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Is now still a good time for you? Perfect. Just to get started on that one, Karen, if I could pass you through security, just that name, date of birth, and current address, if you don't mind. Perfect. Perfect. Thanks for that on there, Karen. Now as I said, I do have you booked in for your annual review there. Now in regards to that one there, so we're just gonna go through, confirm a few details, and then just run through a quick risk profile much like the the previous years that you have completed. They have done it a little bit differently this time. So following the call, they're just gonna send out an annual review pack for you just to to send out the reports for you to review. At the moment, you're currently a no fee client just based on your your balance. I believe you sort of remember that from, like, when you did your, yeah, your updated advice piece. I believe you took out some money while you had your Netwealth account and then moved to to Hub in 2024. Is that correct? Yeah. Just because we haven't spoken previously. Obviously, I was just trying to get my head around it a little bit. When you move in funds and, yeah, the the bit of the backstory, you've been around for quite a while as a client. So just trying to to get a bit of a feel for it, so fine. So from there, we'll just do a quick review, see how you feel about things. At the moment, just because of, like, obviously, taking the money out previously, your balance still has a quite a a a low compared to, like, obviously, what it was when you came on board from taking the funds out. That's not to say that your performance wasn't too great. Being in that diversified sort of balanced portfolio there, it still did 7.81% after fees, which is really quite a nice return for a standardized balance growth portfolio. So will that that is traveling quite nicely. It took a little bit of a dip with what's occurring at the moment given the current circumstances. So probably not the best time to take out sort of money if you were sort of thinking about it at the moment. I'd probably give it a little bit of a chance. Oh, yeah. So $39,863. So it's gone up a bit from when you went into I believe when it went into Hub, it yeah. I think yeah. Originally, the first rollover was twenty two five, so '20 2000. Yeah. So then and that was back in, yeah, July 2024, I believe. So not too bad of a return at the moment. It was over the the 40 there for a second until, obviously, did it come. So not fantastic then saying that you're still able to pay for that insurance policy you currently still have there as well. And in terms of that, you're still comfortable with that life cover policy and how much you pay for that at the moment? Okay. Yeah. So the the youth yeah. So at the moment, the policy yearly premium is around the 3,300 mark. After the 15% rebate, it is $2,838.95 as a yearly premium. And then with that, the sum insured for $311,717 at the moment of life cover. Just in the event that anything did happen, that's what does pay out. Now, obviously, as you get older, it gets more expensive. You you are sort of, you know, a few years off there potentially, like, looking at settling entitlements, things like that as well. So there is the option potentially, like, given your lower balance as well just for going insurance cover. Obviously, you do lose that risk mitigation there, and I'd have to double check when this policy expires as well, like policies. I believe it should be still quite a number of years, but I'd have to double check. I don't have it up in front of me at the the moment. But, yeah, there's certain age that do expire as well. And I'll just see if it's got around the COC as well. Alright. It wouldn't expire for quite some time. So it would expire in 2062, so it's still some time in regards to that With that so in regards to insurance cover and sort of the price you pay and your current balance there at the moment, they can know you're currently working as a hairdresser and still contributing to it. Are you happy maintaining that for now? Is that something you wanna potentially ever think about? In terms of just reducing the the cover amount versus? I'll have a quick look and see what it might look like there. So, yeah, just this and is there a sort of amount in mind you're potentially thinking about in terms of yep. No. Yeah. You are. Let me just bear with me. So I'm just logging in to to Neos to do some in force quoting to to show you what that might look like. It's being a bit slow. It's ready? Yeah. It's ready to knock off for the day. So within regards to that, if you just dropped it down to the 300 mark, it brings it obviously, you still get the 15% rebate, but currently, it's around $3,339.94, and that would drop to $3,214.40. Now if you dropped it maybe to because generally in lots of 250,000, under a million dollars, cover becomes a little bit cheaper. So if you did just, like, 250,000, you would drop it down to $2,678.67, which is a bit more of a significant drop for the amount. And then after the 15%, I'll just see what that actually comes to, it'd be around $2,276.86 in terms of, like, a a yearly figure, which drops it down a little bit there. At the moment there I'll just bring that back up. It's yeah. No. It's fine. $2,838.95. So about eight $100 and yeah. $2,838 and 95 cents. And then if you dropped it down to the 2 50 after The 300. Let me just bring that one up as well. No. That's fine. Yep. So I'll just get that after. So I just have to do the the rebate there as well. It's annoying with the the quoting that they don't actually include the the rebated amount. It's only on the certificate of currencies. Yeah. It's just it's weird like that. Bear with me. Yeah. So after the rebate for the 300, it'd be $2,732.24. Yep. And then if you dropped it down to the $2.50 mark, it would drop it after the rebate down to $2,276.86. Yeah. And, obviously, each year, it does creep up again as well, and you do have a CPO on on that as well. So it does, like, increase a little bit each year. Is that something that you wanna address following this? Are you happy just to have a think about it and just shoot us an email or give us a call? Yep. Not a problem at all. Yep. You obviously, yeah, if you're happy managing it yet yourself and just reaching out when you want to address it, that's more than fine. Obviously yeah. So I can just sort of just generally speaking. So in regards to, like, debts, you don't actually have but unless you sort of obviously haven't updated your assets and liabilities, you don't have, like, really any outstanding debts in terms of, like, if anything was to to happen to you in terms of covering it for your partner. Obviously, you know, Andre might wanna take some time off work to to grieve and things like that as well. So that's what a life insurance policy could do. Because, generally, like, life insurance, it's meant to cover, you know, outstanding debts, a little bit of bereavement, funeral costs, things like that to be out of sorta. When you're looking, like, TPD and compensation, they're a little bit different. Like, yes, when you're still around and trying to cover for things, whereas life's just, like, generally, you just wanna, like, clear clear some yeah. It doesn't affect you so much as it more affects the person. Yeah. Person behind and sort of how they're willing to able to, you know, cover expenses based on their income and things like that as well. So, you know, Andre wasn't based on his income able to to cover, like, his rent and things like that. If you are gone, you may wanna still look at, you know, providing that until sort of he was able to, you know, apply for pensions, things like that, or if he's able to, you know, draw down his occupation, superannuation to be able to cover expenses, things like that as well. You might not need as much cover. So, yeah, less of, like, it the effect on you and more so the effect on partner that's left behind, you know, even with your your current super balance, even though it is that low balance, rather than the 40,000 there, Mark. Obviously, it does take a little bit to, you know, get released and things like that, but that's more than enough money to to pay for a nice funeral and a bit of a wake at the end of the day as well if something was to happen and then probably a little bit left over for Andre, worst case scenario, if you're no longer around. It's just something to to think about. I know it's a little bit morbid, but, yeah, it's just one of those things, unfortunately. Yeah. Prepare for the the unexpected. Exactly. That's that's it. I'll just go through and confirm a few details there for you as well, Karen. So email's to Karen.Masood@Gmail.com. Perfect. Address hasn't changed. Still just the the two dependents even though, you know, the children are a little bit older. Yep. Not really carrying that. That's fine. Oh, one came back. Yeah. Especially with the cost of living at the moment. It's not getting any any cheaper. And I know at the moment you were finalizing your partnership. Have you managed to finish that at the moment? Yep. And are you because I know you were doing some sort of managing as well. Are you still doing the manager, or are you just like, you're cutting hair in addition to that as well? Yep. Yep. Managing the floor and and hair. That's perfect. And how much do you reckon sort of office space versus, like, on the the floor doing, like, the haircuts and things like that? On average, maybe yeah. Maybe around 30% office workers, like, if you broke it down between the time you spent doing that sort of forty, sixty. And as far as, like, qualifications at the moment, so you probably got, like, some sort of certificate in hairdressing, but do you have any other applicable qualifications at the moment? That's fine. And we don't have your employee name. I know this is, like, all a bit little bit random, so they have updated their system. Some of the so I'm just trying to get the most full picture with the updated workbooks. I apologize. Yeah. Some of these. No. That as far as I say, it's a lot of just general information that is just like with the the new updated workbook. A lot of it didn't pull across. So I'm just, and we haven't spoken previously. Yeah. So I just wanna make sure that everything is up to date. Unfortunately, that is quite painful, and you feel yep. We we're currently, yeah, we're currently dealing with that at the moment. So I feel your pain trying to get everything back updated. So it's kind of like well, I guess we haven't spoken before, so it's nice in the sense that I get to know a little bit more about you. So in addition to, yeah, just making sure that everything's nice and up to date. But in terms of, like, managing the the salon there, how long have you been doing that as a a job now, if you don't mind me asking? Yep. And are you considered full time at the moment? Yep. For permanent part time? Perfect. And then in regards to annual income, do you know roughly what you're on at the moment? Yeah. Gross is gross is fine. Yeah. That's fine. Yeah. Take your take your time. No. No. Never, especially in the afternoon. Probably about the eighteen months now. Getting around to a few clients with the way they're they're sort of do things in regards to you know, it was a bit of a flow of terms of, like, people speaking with different advisers. I think they're doing a bit more of a a group system now where you're more likely to get the the same adviser moving forward. So we'll see we'll see how that works out. And if you're you're talking to me for the next sort of twelve, twenty four months, yeah, in saying that the team is pretty helpful here anyway if you do get one of us all together. Perfect. It's good to hear. That's that's what I like to hear. Might have a different opinion. Right? Okay. Yep. And as far as, like, a budget, are you doing a budget at the moment in terms of, like, what you're trying to save per week versus what your expenditures are at the moment? Okay. Yep. Okay. Not a problem. And did you want a copy of, like, OQ's budget planner to be able to sort of track those bills and things like that a little bit better? You don't actually have to return it if you're sort of happy just utilizing it. It just helps in terms of, like, you can just chuck in all your bills that you expect for the year, and it just gives you a bit more of a breakdown. You're able to track it a little bit better for that. And then yeah. Perfect. I'll get that emailed off to you there. And then in regards to contributions, are you planning on doing any other contributions to superannuation at the moment apart from, like, your your salary contribution? Yeah. No. Completely understandable. Yeah. Because, like, generally, if your balance is, like, a little bit high, you can look at, like, transition to retirement type studies that can benefit, like, in drawing down some of your super and recontributing. But based on your your tax bracket, it probably wouldn't be the most beneficial at the moment, Not unless you sort of got up into that, you know, up to, you know, 45 and above maybe, and then it might start showing some benefits. But apart from that, it might just end up being a bit more in administration cost than what it would sort of benefit you in terms of that. Because with that, you obviously get taxed less going into to superannuation and sort of trying to draw down a little bit as well. But with the the lower amounts drawing, you're not gonna sort of save too much on tax given you're in a lower tax bracket anyway. It's once you sort of look at going above that, because at the moment, you're only getting charged around sort of 16% for, like, you know, every dollar that you're you're making, whereas superannuation's 15 at the moment. So when you start getting dollars over the 45,000 mark, that's when you sort of you know, you're on that 30% tax bracket that you might look at doing those sort of strategies to where, you know, contributing to superannuation brings you back down, and then you're paying that 15%, not the 30. And then you can draw down a little bit of a superannuation tax free given that you're over the age of 60 now. Yeah. So that's the sort of way to do it. So you're not actually losing money in that sense. So even though at the moment, you don't feel like you got money to spare, it doesn't actually matter in that sense that yeah. But given that, you know, depending on, you know, how things going, if you draw down your super things like that, given you're not too far off, maybe applying for settling entitlements and things like that as well, It might not come into play, but, you know, depending on how things go as well. Yeah. So we'll there you go. So maybe maybe next month, you might be in the the million dollar one. So you gotta be in it to win it as they say. Yeah. There's a there's a few people that have a certificate going around the office as well to just to try and, you know, like you said, in it to win. Yeah. It tends to be like that. I'm not too sure if it's more people being in Australia and the cost of living. Everyone wants to win it big. Yeah. Exactly. In terms of the your assets and liabilities there, I know you had the car was around the 18 mark that you nearly had paid off. Have you managed to pay that off now? Probably. And as far yeah. I mean, I yeah. A little bit, you know, a day older, a a a dollar less, but, yeah, some things say it's like a fine one, so you never know. Brilliant. And as far as, like, a savings account there, Karen, do you have a little bit, like, of a rainy day fund at the moment? Yep. Yep. And do you know roughly how much you got sort of sitting in there at the moment? Just check that there. And as far as any other assets and liabilities that we're not really aware of, is there anything else that we're not too sure of? Yeah. No. That's fine. Okay. No. That's that's perfectly fine. Yeah. You never know. We're we're still holding out on that lottery. Yeah. Yeah. And then, you know, sometimes, you know, the the subscriptions get a little out of hand. You gotta cut back on Netflix for a few months and things like that as well. Exactly. And in terms of your health, Karen, for the past twelve months, no unexpected hospital trips. So that your health's been largely well? Right. And currently nonsmoker? Not planning on taking it up any time soon? Yeah. Exactly. So you've answered these questions previously as well, but you haven't declared bankruptcy or part nine debt agreement, have you? Okay. Was that bankruptcy or part nine? So part nine is like a payment plan sort of agreement. Where is bankruptcy? Not that it matters a whole heap, but do you remember sort of what year that might be? Four years ago? Oh, so it's like it ended four years ago, and it was, like yeah. Perfect. Just make a note of that. Not that it matters a whole heap unless you're sort of going for things like property purchase and things like that as well unless that's on the the cards for the next few months. And then as far as private health there, Karen, have you got private health insurance? Right. And then as far as the will is concerned, have you and Andre gotten around to perfect and do you have a power of attorney in place with that one? Right. And then these ones are a little bit random there, but you're not a tax resident for any other country at the moment, are you? Perfect. And this is a bit of more of a random one. You're not politically exposed, though. You don't have any sort of friends and family and politics or yourself? And as far as goals are concerned there, Karen, I know your main sort of goal was to finish your apprenticeship and then maybe do a little bit of traveling. Is that sort of yeah. Okay. There it is. And then is in terms of, like, other goals, like, in with your retirement as well and thinking about that, Yep. Yeah. Yeah. Exactly. And so, hopefully, there's some few things here. Yeah. Yeah. No. You're exactly right there. Obviously, yeah, when it comes down to Centrelink and your Centrelink entitlements and things like that, those are all things we can look at at that sort of age of 67, things like that as well. A little bit, but in saying that hopefully a lot of it that is grandfathered. So at least hopefully for you, it's it's more than capable there as well. And have you had a thought about because, obviously, you know, with the the superannuation being a little bit lower in that as well, is the main goal, like, just at the moment just to build up a bit more of a savings and then sort of maybe think about, like, the super side of things and maybe trying to bolster it up just a little bit as well? Yep. And is that something you wanna sort of revisit in maybe six months, or is that something, you know, in, like, your next interview you might wanna start thinking about a little bit more? Or Yep. Yep. Yeah. And, obviously, we can yeah. And sometimes you don't you, like, don't even wanna end up where you sorta are. You might wanna be somewhere else, you know, closer to family, things like that as well. So those are all sort of things to to think about as well. Well. Yeah. Yeah. So those are all sort of things that we can have a look at, you know, given that, you know, you obviously do have your partner there as well. We can sort of look at, you know, in the next sort of couple of years doing, like, maybe a joint advice piece as well to sort of encompass both of them and what that sorta looks like in terms of that. And, yeah, and then having a bit of a discussion around what you're you're trying to achieve. Obviously, I can't go into too much detail about Andre's. Yeah. But, yeah, in saying that we can have a bit more of a discussion around what you're you're both trying to achieve then, get going. He's thinking about it at the moment sort of thing and yeah. Yeah. Yeah. So that's all sort of things we need to sort of have a a discussion around and things like that as well. Perfect. And within regards to risk profile, quickly run through that and just make sure that's all up to date. But I have here previously that you have direct invest in direct shares. Is that correct? What was that? Sorry. I cut out just a little bit. Yeah. Have you, like, invested in direct shares previously? Like, just holding, like, companies, yeah, like, stocks. You know? Yep. Okay. Not a problem. Okay. Yep. And then in terms of your superannuation, there's a good chance that you might wanna sorta access some of it in the next sort of two or three years? Yeah. So yeah. Not a problem. And then, obviously, with inflation and cost of living and things like that going up, would you still consider yourself a bit more of a moderate to risk taker in regards to being able to take on a bit more risk to outpace inflation and get more of a return while you are still working? Well, as in terms of, like, if you just put it all in cash, you you know, you're probably getting just the, you know, the standard maybe a little bit more if you do, like, term deposits and bonds and things like that. But the inflation rate kinda eats away that in terms of, like, the inflation rate can get quite high. So if you were to pull it all sort of out now, you sort of miss out on the opportunity for some growth. Yeah. That's fine. And given everything that is happening at the moment, obviously, you know, you see we did take a little bit of a a dive there just to what's happening with the wars in Ukraine. Yeah. Not to say it's a huge amount by any means. You still made quite a nice return over a twelve month period, but it could have been a lot better given if anything did happen. When things like that do occur and if it was to, like, drop by significant sort of amounts, would you still just hold and wait for it to improve, or would you sort of be a bit worried, looked at moving to more secure assets, or are you still, you know, willing? Yeah. No. Understandable. Yeah. No. Completely understandable. Yep. Perfect. And then as far as, like, a return that you aimed here, you'd be happy to get obviously, you know, you got the higher end of things with that that 8% this year. But, like, is it if you were getting sort of, you know, four to 6% in that bit more of a like, it's still somewhat growth, but defensive a little bit there as well, would you be comfortable if you were still getting, like, four or 6% per annum? Yeah. Obviously, big is always better. So that's fine. Yep. Not a problem at all. And then in regards to borrowed money, like, obviously, circumstances were different, would you ever borrow money to invest in certain things like property and things like that if you were to have a house if circumstances were different? Yeah. Not a problem at all. Yeah. No. Understandable there as well. That still does bring you to a bit more of a a moderate investor. Now within regards to what you currently hold you in that Vanguard portfolio just due to the cost of your lower balance, so that's in that oh, bear with me. The diversified balance sort of growth portfolio there as well. And it is still getting that nice return at at the moment in terms of what you you invested in, what the return you are getting. Slightly more defensive in the sense that you do sort of probably have around the 40% in defensive assets, around the 60% of the growth assets. But that's also probably why you have sort of not taken a significant dive compared to some of those growth and high growth portfolios given that you do have some of that more defensive. They've gone backwards quite a bit, whereas your portfolio has held up quite nicely in terms of, like, what has occurred in their current markets. Now are you still, yeah. Are you still happy with your your current portfolio at the moment and what you're currently invested in? Yeah. Obviously, at year, we sort of still review it as well in terms of that and and what happened is happening. One thing I forgot to mention there as well, I had here on your that you were renting somewhat $200 per month. Is that still the same? Yeah. No. It's a bit odd. In terms of that one? No. It might be some old data because as I said, there's a you've been on board for quite some time, so I was pulling from a bunch of workbooks. That current residence here, are you renting that one at the moment, or is that do you know roughly what's the the That's fine. And I don't think I mentioned it either, but apart from the car and the savings, do you have any other assets or liabilities that I didn't mention there at the moment there, Karen? Yeah. No problem. I'll just get that updated then. Now in terms of, like, what we can do at the moment, Karen, given that your portfolio is tracking quite well and you don't wanna address your insurances just yet, We can look to leave things alone, Pranadi. I'm happy leaving the fees off just giving your current balance at the moment. Obviously, when we sort of look to maybe update your advice and do some joint advice, they might wanna chuck the fee on. At the moment, there's a coupling fee, so it's 1.1 if your spouse is on board. Yes. So with that, I'm happy to leave it off at the moment just while we're not looking at updating anything. And then should, you know, six to twelve months, we look at doing, like, maybe an advice piece, they might wanna put the the feedback on, but we'll we'll leave it off for now. In terms of, like, what comes next there, obviously, if you wanna address your insurances, that's more than fine and have a think about that. I can even send you some some quotes for you to have a look at. With those two quotes, obviously, they'll be before the discounts apply, but I can show you what that $302.50 looks like when I email you through the budget planner as well. You can have a look at it. At least it gives you the cost difference and how that might change for you to review. And then yeah. Exactly. It all adds up at the end of the day. And then from this conversation there as well, they will send out the annual review pack. Obviously, in regards to ongoing service agreement, there won't be one because you're not paying a fee currently. But they'll show you your twelve month performance. They'll give you certificate of currency, a few other documents as well. I believe they'll also include a TFN opt in form. So where we're storing your tax file number, the form's just updated as well. From there, if they do have any other outstanding documents, they will just reach out. But I believe everything else is largely up to date. I'll just do a double check on your account. Super insurance beneficiary forms are up to date. ID is up to date. So I don't believe there's anything else that we need just at this moment. But is there anything else you wanna have a chat about, Karen, while you've got me anything in relation to yeah. No. That's fine. Yeah. No. That's good. Yeah. I see. Yeah. Yep. No. That's fine. Yeah. I'll send you yeah. I'll send you the the quotes with the the budget planner there as well. You can have a review of the 300 and the $2.50. As I said, when you see the quote, it doesn't include the actual rollover max. You do get a little bit of a discount paying through superannuation. That doesn't list. So the the amounts will look higher, but you'll get the 15% rebate based on the yearly totals there. So it will be a little bit less than that as well. So just be mindful of that in regards to what you're actually paying, and then I'll include that budget planner for you guys to just be able to utilize to help sorta, you know, cover those bigger expenses and plan for those a little bit there as well and, you know, leisure activities, things like that. And then if you just respond to that one as well, we'll just get that quote. We'll get it signed. We'll get that sent off to the insurer, and that's as good as dusted for that one. And then we'll just let you know when it goes in force. Not a problem. But do you have any other questions for me, Karen, while you've got me there today? Yeah. No. You're perfectly fine. Take your time. Yes, sir. He can. Yeah. It's it's not not a huge huge problem there anyway. So once we were to update anything, we might need some more sort of concrete figures and things like that just so it's up to date. At the moment, I've just got you the take home, that 900, and then I believe it was previously around the 52 mark in terms of, like, what your sort of gross income was as a total. Okay. So my be a little bit yes. No. That's fine. So with that let's have a quick look down 52. So 900 times of 52 is around 46,800. Does that sound about sort of right in regards to yeah. Okay. No problem. I'll just track that down. As I said, it doesn't sort of make a huge difference. So that's just sort of looking at updating things or doing sort of plans and things like that as well. So that's fine. As far as everything's concerned, if you are happy with everything and sort of get that annual review pack and sign everything, there isn't a whole heap that that needs to sort of change that we're concerned about at the moment with how your super is tracking. Obviously, you know, if anything does change in the future, feel free to to reach out and have a conversation around anything. But we'll also touch base in, like, another twelve months for that annual review, and you can maybe have a think about, yeah, what you guys are maybe trying to yeah. And trying to to look to do, so that's more than fine. And if you wanna take all your money and run at the end of the day, that's more than fine as well. We don't hold any. Yeah. I don't know. The lot yeah. Understandable. And then, you know, there's always the lotto at the end of the day there as well. So fingers crossed for you. Yeah. Well, other than that there, Kyle, I'll let you get back to your afternoon. But in saying that, if you do have any questions once that interview comes through, feel free to give us a call, come back with any question. Otherwise, you respond to that email. And if you wanna look at reducing it, we can get that action for you as well. No problem at all, Cam. Well, you enjoy the rest of your night, and thanks. It's been a pleasure. Cheers. 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afternoon, Karen. It's Carl calling from Financial. How are you today? Yeah. Not too bad at all.\n\nThanks for asking. I've got you scheduled in for an interview. Catch up. Is now still a good time for you? Perfect.\n\nJust to get started on that one, Karen, if I could pass you through security, just that name, date of birth, and current address, if you don't mind. Perfect. Perfect. Thanks for that on there, Karen. Now as I said, I do have you booked in for your annual review there.\n\nNow in regards to that one there, so we're just gonna go through, confirm a few details, and then just run through a quick risk profile much like the the previous years that you have completed. They have done it a little bit differently this time. So following the call, they're just gonna send out an annual review pack for you just to to send out the reports for you to review. At the moment, you're currently a no fee client just based on your your balance. I believe you sort of remember that from, like, when you did your, yeah, your updated advice piece.\n\nI believe you took out some money while you had your Netwealth account and then moved to to Hub in 2024. Is that correct? Yeah. Just because we haven't spoken previously. Obviously, I was just trying to get my head around it a little bit.\n\nWhen you move in funds and, yeah, the the bit of the backstory, you've been around for quite a while as a client. So just trying to to get a bit of a feel for it, so fine. So from there, we'll just do a quick review, see how you feel about things. At the moment, just because of, like, obviously, taking the money out previously, your balance still has a quite a a a low compared to, like, obviously, what it was when you came on board from taking the funds out. That's not to say that your performance wasn't too great.\n\nBeing in that diversified sort of balanced portfolio there, it still did 7.81% after fees, which is really quite a nice return for a standardized balance growth portfolio. So will that that is traveling quite nicely. It took a little bit of a dip with what's occurring at the moment given the current circumstances. So probably not the best time to take out sort of money if you were sort of thinking about it at the moment. I'd probably give it a little bit of a chance.\n\nOh, yeah. So $39,863. So it's gone up a bit from when you went into I believe when it went into Hub, it yeah. I think yeah. Originally, the first rollover was twenty two five, so '20 2000.\n\nYeah. So then and that was back in, yeah, July 2024, I believe. So not too bad of a return at the moment. It was over the the 40 there for a second until, obviously, did it come. So not fantastic then saying that you're still able to pay for that insurance policy you currently still have there as well.\n\nAnd in terms of that, you're still comfortable with that life cover policy and how much you pay for that at the moment? Okay. Yeah. So the the youth yeah. So at the moment, the policy yearly premium is around the 3,300 mark.\n\nAfter the 15% rebate, it is $2,838.95 as a yearly premium. And then with that, the sum insured for $311,717 at the moment of life cover. Just in the event that anything did happen, that's what does pay out. Now, obviously, as you get older, it gets more expensive. You you are sort of, you know, a few years off there potentially, like, looking at settling entitlements, things like that as well.\n\nSo there is the option potentially, like, given your lower balance as well just for going insurance cover. Obviously, you do lose that risk mitigation there, and I'd have to double check when this policy expires as well, like policies. I believe it should be still quite a number of years, but I'd have to double check. I don't have it up in front of me at the the moment. But, yeah, there's certain age that do expire as well.\n\nAnd I'll just see if it's got around the COC as well. Alright. It wouldn't expire for quite some time. So it would expire in 2062, so it's still some time in regards to that With that so in regards to insurance cover and sort of the price you pay and your current balance there at the moment, they can know you're currently working as a hairdresser and still contributing to it. Are you happy maintaining that for now?\n\nIs that something you wanna potentially ever think about? In terms of just reducing the the cover amount versus? I'll have a quick look and see what it might look like there. So, yeah, just this and is there a sort of amount in mind you're potentially thinking about in terms of yep. No.\n\nYeah. You are. Let me just bear with me. So I'm just logging in to to Neos to do some in force quoting to to show you what that might look like. It's being a bit slow.\n\nIt's ready? Yeah. It's ready to knock off for the day. So within regards to that, if you just dropped it down to the 300 mark, it brings it obviously, you still get the 15% rebate, but currently, it's around $3,339.94, and that would drop to $3,214.40. Now if you dropped it maybe to because generally in lots of 250,000, under a million dollars, cover becomes a little bit cheaper.\n\nSo if you did just, like, 250,000, you would drop it down to $2,678.67, which is a bit more of a significant drop for the amount. And then after the 15%, I'll just see what that actually comes to, it'd be around $2,276.86 in terms of, like, a a yearly figure, which drops it down a little bit there. At the moment there I'll just bring that back up. It's yeah. No.\n\nIt's fine. $2,838.95. So about eight $100 and yeah. $2,838 and 95 cents. And then if you dropped it down to the 2 50 after The 300.\n\nLet me just bring that one up as well. No. That's fine. Yep. So I'll just get that after.\n\nSo I just have to do the the rebate there as well. It's annoying with the the quoting that they don't actually include the the rebated amount. It's only on the certificate of currencies. Yeah. It's just it's weird like that.\n\nBear with me. Yeah. So after the rebate for the 300, it'd be $2,732.24. Yep. And then if you dropped it down to the $2.50 mark, it would drop it after the rebate down to $2,276.86.\n\nYeah. And, obviously, each year, it does creep up again as well, and you do have a CPO on on that as well. So it does, like, increase a little bit each year. Is that something that you wanna address following this? Are you happy just to have a think about it and just shoot us an email or give us a call?\n\nYep. Not a problem at all. Yep. You obviously, yeah, if you're happy managing it yet yourself and just reaching out when you want to address it, that's more than fine. Obviously yeah.\n\nSo I can just sort of just generally speaking. So in regards to, like, debts, you don't actually have but unless you sort of obviously haven't updated your assets and liabilities, you don't have, like, really any outstanding debts in terms of, like, if anything was to to happen to you in terms of covering it for your partner. Obviously, you know, Andre might wanna take some time off work to to grieve and things like that as well. So that's what a life insurance policy could do. Because, generally, like, life insurance, it's meant to cover, you know, outstanding debts, a little bit of bereavement, funeral costs, things like that to be out of sorta.\n\nWhen you're looking, like, TPD and compensation, they're a little bit different. Like, yes, when you're still around and trying to cover for things, whereas life's just, like, generally, you just wanna, like, clear clear some yeah. It doesn't affect you so much as it more affects the person. Yeah. Person behind and sort of how they're willing to able to, you know, cover expenses based on their income and things like that as well.\n\nSo, you know, Andre wasn't based on his income able to to cover, like, his rent and things like that. If you are gone, you may wanna still look at, you know, providing that until sort of he was able to, you know, apply for pensions, things like that, or if he's able to, you know, draw down his occupation, superannuation to be able to cover expenses, things like that as well. You might not need as much cover. So, yeah, less of, like, it the effect on you and more so the effect on partner that's left behind, you know, even with your your current super balance, even though it is that low balance, rather than the 40,000 there, Mark. Obviously, it does take a little bit to, you know, get released and things like that, but that's more than enough money to to pay for a nice funeral and a bit of a wake at the end of the day as well if something was to happen and then probably a little bit left over for Andre, worst case scenario, if you're no longer around.\n\nIt's just something to to think about. I know it's a little bit morbid, but, yeah, it's just one of those things, unfortunately. Yeah. Prepare for the the unexpected. Exactly.\n\nThat's that's it. I'll just go through and confirm a few details there for you as well, Karen. So email's to Karen.Masood@Gmail.com. Perfect. Address hasn't changed.\n\nStill just the the two dependents even though, you know, the children are a little bit older. Yep. Not really carrying that. That's fine. Oh, one came back.\n\nYeah. Especially with the cost of living at the moment. It's not getting any any cheaper. And I know at the moment you were finalizing your partnership. Have you managed to finish that at the moment?\n\nYep. And are you because I know you were doing some sort of managing as well. Are you still doing the manager, or are you just like, you're cutting hair in addition to that as well? Yep. Yep.\n\nManaging the floor and and hair. That's perfect. And how much do you reckon sort of office space versus, like, on the the floor doing, like, the haircuts and things like that? On average, maybe yeah. Maybe around 30% office workers, like, if you broke it down between the time you spent doing that sort of forty, sixty.\n\nAnd as far as, like, qualifications at the moment, so you probably got, like, some sort of certificate in hairdressing, but do you have any other applicable qualifications at the moment? That's fine. And we don't have your employee name. I know this is, like, all a bit little bit random, so they have updated their system. Some of the so I'm just trying to get the most full picture with the updated workbooks.\n\nI apologize. Yeah. Some of these. No. That as far as I say, it's a lot of just general information that is just like with the the new updated workbook.\n\nA lot of it didn't pull across. So I'm just, and we haven't spoken previously. Yeah. So I just wanna make sure that everything is up to date. Unfortunately, that is quite painful, and you feel yep.\n\nWe we're currently, yeah, we're currently dealing with that at the moment. So I feel your pain trying to get everything back updated. So it's kind of like well, I guess we haven't spoken before, so it's nice in the sense that I get to know a little bit more about you. So in addition to, yeah, just making sure that everything's nice and up to date. But in terms of, like, managing the the salon there, how long have you been doing that as a a job now, if you don't mind me asking?\n\nYep. And are you considered full time at the moment? Yep. For permanent part time? Perfect.\n\nAnd then in regards to annual income, do you know roughly what you're on at the moment? Yeah. Gross is gross is fine. Yeah. That's fine.\n\nYeah. Take your take your time. No. No. Never, especially in the afternoon.\n\nProbably about the eighteen months now. Getting around to a few clients with the way they're they're sort of do things in regards to you know, it was a bit of a flow of terms of, like, people speaking with different advisers. I think they're doing a bit more of a a group system now where you're more likely to get the the same adviser moving forward. So we'll see we'll see how that works out. And if you're you're talking to me for the next sort of twelve, twenty four months, yeah, in saying that the team is pretty helpful here anyway if you do get one of us all together.\n\nPerfect. It's good to hear. That's that's what I like to hear. Might have a different opinion. Right?\n\nOkay. Yep. And as far as, like, a budget, are you doing a budget at the moment in terms of, like, what you're trying to save per week versus what your expenditures are at the moment? Okay. Yep.\n\nOkay. Not a problem. And did you want a copy of, like, OQ's budget planner to be able to sort of track those bills and things like that a little bit better? You don't actually have to return it if you're sort of happy just utilizing it. It just helps in terms of, like, you can just chuck in all your bills that you expect for the year, and it just gives you a bit more of a breakdown.\n\nYou're able to track it a little bit better for that. And then yeah. Perfect. I'll get that emailed off to you there. And then in regards to contributions, are you planning on doing any other contributions to superannuation at the moment apart from, like, your your salary contribution?\n\nYeah. No. Completely understandable. Yeah. Because, like, generally, if your balance is, like, a little bit high, you can look at, like, transition to retirement type studies that can benefit, like, in drawing down some of your super and recontributing.\n\nBut based on your your tax bracket, it probably wouldn't be the most beneficial at the moment, Not unless you sort of got up into that, you know, up to, you know, 45 and above maybe, and then it might start showing some benefits. But apart from that, it might just end up being a bit more in administration cost than what it would sort of benefit you in terms of that. Because with that, you obviously get taxed less going into to superannuation and sort of trying to draw down a little bit as well. But with the the lower amounts drawing, you're not gonna sort of save too much on tax given you're in a lower tax bracket anyway. It's once you sort of look at going above that, because at the moment, you're only getting charged around sort of 16% for, like, you know, every dollar that you're you're making, whereas superannuation's 15 at the moment.\n\nSo when you start getting dollars over the 45,000 mark, that's when you sort of you know, you're on that 30% tax bracket that you might look at doing those sort of strategies to where, you know, contributing to superannuation brings you back down, and then you're paying that 15%, not the 30. And then you can draw down a little bit of a superannuation tax free given that you're over the age of 60 now. Yeah. So that's the sort of way to do it. So you're not actually losing money in that sense.\n\nSo even though at the moment, you don't feel like you got money to spare, it doesn't actually matter in that sense that yeah. But given that, you know, depending on, you know, how things going, if you draw down your super things like that, given you're not too far off, maybe applying for settling entitlements and things like that as well, It might not come into play, but, you know, depending on how things go as well. Yeah. So we'll there you go. So maybe maybe next month, you might be in the the million dollar one.\n\nSo you gotta be in it to win it as they say. Yeah. There's a there's a few people that have a certificate going around the office as well to just to try and, you know, like you said, in it to win. Yeah. It tends to be like that.\n\nI'm not too sure if it's more people being in Australia and the cost of living. Everyone wants to win it big. Yeah. Exactly. In terms of the your assets and liabilities there, I know you had the car was around the 18 mark that you nearly had paid off.\n\nHave you managed to pay that off now? Probably. And as far yeah. I mean, I yeah. A little bit, you know, a day older, a a a dollar less, but, yeah, some things say it's like a fine one, so you never know.\n\nBrilliant. And as far as, like, a savings account there, Karen, do you have a little bit, like, of a rainy day fund at the moment? Yep. Yep. And do you know roughly how much you got sort of sitting in there at the moment?\n\nJust check that there. And as far as any other assets and liabilities that we're not really aware of, is there anything else that we're not too sure of? Yeah. No. That's fine.\n\nOkay. No. That's that's perfectly fine. Yeah. You never know.\n\nWe're we're still holding out on that lottery. Yeah. Yeah. And then, you know, sometimes, you know, the the subscriptions get a little out of hand. You gotta cut back on Netflix for a few months and things like that as well.\n\nExactly. And in terms of your health, Karen, for the past twelve months, no unexpected hospital trips. So that your health's been largely well? Right. And currently nonsmoker?\n\nNot planning on taking it up any time soon? Yeah. Exactly. So you've answered these questions previously as well, but you haven't declared bankruptcy or part nine debt agreement, have you? Okay.\n\nWas that bankruptcy or part nine? So part nine is like a payment plan sort of agreement. Where is bankruptcy? Not that it matters a whole heap, but do you remember sort of what year that might be? Four years ago?\n\nOh, so it's like it ended four years ago, and it was, like yeah. Perfect. Just make a note of that. Not that it matters a whole heap unless you're sort of going for things like property purchase and things like that as well unless that's on the the cards for the next few months. And then as far as private health there, Karen, have you got private health insurance?\n\nRight. And then as far as the will is concerned, have you and Andre gotten around to perfect and do you have a power of attorney in place with that one? Right. And then these ones are a little bit random there, but you're not a tax resident for any other country at the moment, are you? Perfect.\n\nAnd this is a bit of more of a random one. You're not politically exposed, though. You don't have any sort of friends and family and politics or yourself? And as far as goals are concerned there, Karen, I know your main sort of goal was to finish your apprenticeship and then maybe do a little bit of traveling. Is that sort of yeah.\n\nOkay. There it is. And then is in terms of, like, other goals, like, in with your retirement as well and thinking about that, Yep. Yeah. Yeah.\n\nExactly. And so, hopefully, there's some few things here. Yeah. Yeah. No.\n\nYou're exactly right there. Obviously, yeah, when it comes down to Centrelink and your Centrelink entitlements and things like that, those are all things we can look at at that sort of age of 67, things like that as well. A little bit, but in saying that hopefully a lot of it that is grandfathered. So at least hopefully for you, it's it's more than capable there as well. And have you had a thought about because, obviously, you know, with the the superannuation being a little bit lower in that as well, is the main goal, like, just at the moment just to build up a bit more of a savings and then sort of maybe think about, like, the super side of things and maybe trying to bolster it up just a little bit as well?\n\nYep. And is that something you wanna sort of revisit in maybe six months, or is that something, you know, in, like, your next interview you might wanna start thinking about a little bit more? Or Yep. Yep. Yeah.\n\nAnd, obviously, we can yeah. And sometimes you don't you, like, don't even wanna end up where you sorta are. You might wanna be somewhere else, you know, closer to family, things like that as well. So those are all sort of things to to think about as well. Well.\n\nYeah. Yeah. So those are all sort of things that we can have a look at, you know, given that, you know, you obviously do have your partner there as well. We can sort of look at, you know, in the next sort of couple of years doing, like, maybe a joint advice piece as well to sort of encompass both of them and what that sorta looks like in terms of that. And, yeah, and then having a bit of a discussion around what you're you're trying to achieve.\n\nObviously, I can't go into too much detail about Andre's. Yeah. But, yeah, in saying that we can have a bit more of a discussion around what you're you're both trying to achieve then, get going. He's thinking about it at the moment sort of thing and yeah. Yeah.\n\nYeah. So that's all sort of things we need to sort of have a a discussion around and things like that as well. Perfect. And within regards to risk profile, quickly run through that and just make sure that's all up to date. But I have here previously that you have direct invest in direct shares.\n\nIs that correct? What was that? Sorry. I cut out just a little bit. Yeah.\n\nHave you, like, invested in direct shares previously? Like, just holding, like, companies, yeah, like, stocks. You know? Yep. Okay.\n\nNot a problem. Okay. Yep. And then in terms of your superannuation, there's a good chance that you might wanna sorta access some of it in the next sort of two or three years? Yeah.\n\nSo yeah. Not a problem. And then, obviously, with inflation and cost of living and things like that going up, would you still consider yourself a bit more of a moderate to risk taker in regards to being able to take on a bit more risk to outpace inflation and get more of a return while you are still working? Well, as in terms of, like, if you just put it all in cash, you you know, you're probably getting just the, you know, the standard maybe a little bit more if you do, like, term deposits and bonds and things like that. But the inflation rate kinda eats away that in terms of, like, the inflation rate can get quite high.\n\nSo if you were to pull it all sort of out now, you sort of miss out on the opportunity for some growth. Yeah. That's fine. And given everything that is happening at the moment, obviously, you know, you see we did take a little bit of a a dive there just to what's happening with the wars in Ukraine. Yeah.\n\nNot to say it's a huge amount by any means. You still made quite a nice return over a twelve month period, but it could have been a lot better given if anything did happen. When things like that do occur and if it was to, like, drop by significant sort of amounts, would you still just hold and wait for it to improve, or would you sort of be a bit worried, looked at moving to more secure assets, or are you still, you know, willing? Yeah. No.\n\nUnderstandable. Yeah. No. Completely understandable. Yep.\n\nPerfect. And then as far as, like, a return that you aimed here, you'd be happy to get obviously, you know, you got the higher end of things with that that 8% this year. But, like, is it if you were getting sort of, you know, four to 6% in that bit more of a like, it's still somewhat growth, but defensive a little bit there as well, would you be comfortable if you were still getting, like, four or 6% per annum? Yeah. Obviously, big is always better.\n\nSo that's fine. Yep. Not a problem at all. And then in regards to borrowed money, like, obviously, circumstances were different, would you ever borrow money to invest in certain things like property and things like that if you were to have a house if circumstances were different? Yeah.\n\nNot a problem at all. Yeah. No. Understandable there as well. That still does bring you to a bit more of a a moderate investor.\n\nNow within regards to what you currently hold you in that Vanguard portfolio just due to the cost of your lower balance, so that's in that oh, bear with me. The diversified balance sort of growth portfolio there as well. And it is still getting that nice return at at the moment in terms of what you you invested in, what the return you are getting. Slightly more defensive in the sense that you do sort of probably have around the 40% in defensive assets, around the 60% of the growth assets. But that's also probably why you have sort of not taken a significant dive compared to some of those growth and high growth portfolios given that you do have some of that more defensive.\n\nThey've gone backwards quite a bit, whereas your portfolio has held up quite nicely in terms of, like, what has occurred in their current markets. Now are you still, yeah. Are you still happy with your your current portfolio at the moment and what you're currently invested in? Yeah. Obviously, at year, we sort of still review it as well in terms of that and and what happened is happening.\n\nOne thing I forgot to mention there as well, I had here on your that you were renting somewhat $200 per month. Is that still the same? Yeah. No. It's a bit odd.\n\nIn terms of that one? No. It might be some old data because as I said, there's a you've been on board for quite some time, so I was pulling from a bunch of workbooks. That current residence here, are you renting that one at the moment, or is that do you know roughly what's the the That's fine. And I don't think I mentioned it either, but apart from the car and the savings, do you have any other assets or liabilities that I didn't mention there at the moment there, Karen?\n\nYeah. No problem. I'll just get that updated then. Now in terms of, like, what we can do at the moment, Karen, given that your portfolio is tracking quite well and you don't wanna address your insurances just yet, We can look to leave things alone, Pranadi. I'm happy leaving the fees off just giving your current balance at the moment.\n\nObviously, when we sort of look to maybe update your advice and do some joint advice, they might wanna chuck the fee on. At the moment, there's a coupling fee, so it's 1.1 if your spouse is on board. Yes. So with that, I'm happy to leave it off at the moment just while we're not looking at updating anything. And then should, you know, six to twelve months, we look at doing, like, maybe an advice piece, they might wanna put the the feedback on, but we'll we'll leave it off for now.\n\nIn terms of, like, what comes next there, obviously, if you wanna address your insurances, that's more than fine and have a think about that. I can even send you some some quotes for you to have a look at. With those two quotes, obviously, they'll be before the discounts apply, but I can show you what that $302.50 looks like when I email you through the budget planner as well. You can have a look at it. At least it gives you the cost difference and how that might change for you to review.\n\nAnd then yeah. Exactly. It all adds up at the end of the day. And then from this conversation there as well, they will send out the annual review pack. Obviously, in regards to ongoing service agreement, there won't be one because you're not paying a fee currently.\n\nBut they'll show you your twelve month performance. They'll give you certificate of currency, a few other documents as well. I believe they'll also include a TFN opt in form. So where we're storing your tax file number, the form's just updated as well. From there, if they do have any other outstanding documents, they will just reach out.\n\nBut I believe everything else is largely up to date. I'll just do a double check on your account. Super insurance beneficiary forms are up to date. ID is up to date. So I don't believe there's anything else that we need just at this moment.\n\nBut is there anything else you wanna have a chat about, Karen, while you've got me anything in relation to yeah. No. That's fine. Yeah. No.\n\nThat's good. Yeah. I see. Yeah. Yep.\n\nNo. That's fine. Yeah. I'll send you yeah. I'll send you the the quotes with the the budget planner there as well.\n\nYou can have a review of the 300 and the $2.50. As I said, when you see the quote, it doesn't include the actual rollover max. You do get a little bit of a discount paying through superannuation. That doesn't list. So the the amounts will look higher, but you'll get the 15% rebate based on the yearly totals there.\n\nSo it will be a little bit less than that as well. So just be mindful of that in regards to what you're actually paying, and then I'll include that budget planner for you guys to just be able to utilize to help sorta, you know, cover those bigger expenses and plan for those a little bit there as well and, you know, leisure activities, things like that. And then if you just respond to that one as well, we'll just get that quote. We'll get it signed. We'll get that sent off to the insurer, and that's as good as dusted for that one.\n\nAnd then we'll just let you know when it goes in force. Not a problem. But do you have any other questions for me, Karen, while you've got me there today? Yeah. No.\n\nYou're perfectly fine. Take your time. Yes, sir. He can. Yeah.\n\nIt's it's not not a huge huge problem there anyway. So once we were to update anything, we might need some more sort of concrete figures and things like that just so it's up to date. At the moment, I've just got you the take home, that 900, and then I believe it was previously around the 52 mark in terms of, like, what your sort of gross income was as a total. Okay. So my be a little bit yes.\n\nNo. That's fine. So with that let's have a quick look down 52. So 900 times of 52 is around 46,800. Does that sound about sort of right in regards to yeah.\n\nOkay. No problem. I'll just track that down. As I said, it doesn't sort of make a huge difference. So that's just sort of looking at updating things or doing sort of plans and things like that as well.\n\nSo that's fine. As far as everything's concerned, if you are happy with everything and sort of get that annual review pack and sign everything, there isn't a whole heap that that needs to sort of change that we're concerned about at the moment with how your super is tracking. Obviously, you know, if anything does change in the future, feel free to to reach out and have a conversation around anything. But we'll also touch base in, like, another twelve months for that annual review, and you can maybe have a think about, yeah, what you guys are maybe trying to yeah. And trying to to look to do, so that's more than fine.\n\nAnd if you wanna take all your money and run at the end of the day, that's more than fine as well. We don't hold any. Yeah. I don't know. The lot yeah.\n\nUnderstandable. And then, you know, there's always the lotto at the end of the day there as well. So fingers crossed for you. Yeah. Well, other than that there, Kyle, I'll let you get back to your afternoon.\n\nBut in saying that, if you do have any questions once that interview comes through, feel free to give us a call, come back with any question. Otherwise, you respond to that email. And if you wanna look at reducing it, we can get that action for you as well. No problem at all, Cam. Well, you enjoy the rest of your night, and thanks.\n\nIt's been a pleasure. Cheers. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Karen.","start":1.68,"end":2.48,"sentiment":"positive","sentiment_score":0.3903646171092987},{"text":"It's Carl calling from Financial.","start":2.48,"end":3.78,"sentiment":"neutral","sentiment_score":0.24873228669166564},{"text":"How are you today?","start":4.0,"end":4.9,"sentiment":"neutral","sentiment_score":0.2899039015173912},{"text":"Yeah.","start":6.72,"end":6.96,"sentiment":"neutral","sentiment_score":0.23192350566387177},{"text":"Not too bad at all.","start":6.96,"end":7.7599998,"sentiment":"neutral","sentiment_score":0.2903333634138107}],"sentiment":"neutral","sentiment_score":0.29210895631048417,"num_words":18,"start":1.68,"end":7.7599998},{"sentences":[{"text":"Thanks for asking.","start":7.7599998,"end":8.72,"sentiment":"positive","sentiment_score":0.6439900596936544},{"text":"I've got you scheduled in for an interview.","start":8.72,"end":10.639999,"sentiment":"positive","sentiment_score":0.3501366749405861},{"text":"Catch up.","start":10.639999,"end":10.96,"sentiment":"neutral","sentiment_score":0.27402544021606445},{"text":"Is now still a good time for you?","start":10.96,"end":12.495,"sentiment":"neutral","sentiment_score":0.32542477548122406},{"text":"Perfect.","start":14.815,"end":15.315,"sentiment":"positive","sentiment_score":0.5377901792526245}],"sentiment":"positive","sentiment_score":0.382831947370009,"num_words":22,"start":7.7599998,"end":15.315},{"sentences":[{"text":"Just to get started on that one, Karen, if I could pass you through security, just that name, date of birth, and current address, if you don't mind.","start":15.535,"end":20.515,"sentiment":"neutral","sentiment_score":0.264881966901677},{"text":"Perfect.","start":30.27,"end":30.77,"sentiment":"positive","sentiment_score":0.5101919174194336},{"text":"Perfect.","start":31.71,"end":31.869999,"sentiment":"positive","sentiment_score":0.6249265670776367},{"text":"Thanks for that on there, Karen.","start":31.869999,"end":33.17,"sentiment":"positive","sentiment_score":0.7210773130257925},{"text":"Now as I said, I do have you booked in for your annual review there.","start":33.31,"end":37.41,"sentiment":"neutral","sentiment_score":0.19412784675757092}],"sentiment":"neutral","sentiment_score":0.3096116693580852,"num_words":51,"start":15.535,"end":37.41},{"sentences":[{"text":"Now in regards to that one there, so we're just gonna go through, confirm a few details, and then just run through a quick risk profile much like the the previous years that you have completed.","start":37.47,"end":48.715,"sentiment":"neutral","sentiment_score":0.06110886029071278},{"text":"They have done it a little bit differently this time.","start":50.23,"end":52.39,"sentiment":"neutral","sentiment_score":-0.02483034208416939},{"text":"So following the call, they're just gonna send out an annual review pack for you just to to send out the reports for you to review.","start":52.39,"end":59.29,"sentiment":"neutral","sentiment_score":0.10318380479629223},{"text":"At the moment, you're currently a no fee client just based on your your balance.","start":59.67,"end":63.19,"sentiment":"neutral","sentiment_score":0.06419549584388733},{"text":"I believe you sort of remember that from, like, when you did your, yeah, your updated advice piece.","start":63.19,"end":69.255,"sentiment":"neutral","sentiment_score":0.04781894696255525}],"sentiment":"neutral","sentiment_score":0.06150540911725589,"num_words":105,"start":37.47,"end":69.255},{"sentences":[{"text":"I believe you took out some money while you had your Netwealth account and then moved to to Hub in 2024.","start":69.255,"end":74.375,"sentiment":"neutral","sentiment_score":0.009174861279981477},{"text":"Is that correct?","start":74.375,"end":75.115,"sentiment":"neutral","sentiment_score":0.05775924523671468},{"text":"Yeah.","start":76.695,"end":77.195,"sentiment":"neutral","sentiment_score":0.03838007897138595},{"text":"Just because we haven't spoken previously.","start":77.335,"end":78.774994,"sentiment":"neutral","sentiment_score":-0.012278736724207798},{"text":"Obviously, I was just trying to get my head around it a little bit.","start":78.774994,"end":82.07001,"sentiment":"neutral","sentiment_score":-0.046971556065338}],"sentiment":"neutral","sentiment_score":-0.007265428971085283,"num_words":45,"start":69.255,"end":82.07001},{"sentences":[{"text":"When you move in funds and, yeah, the the bit of the backstory, you've been around for quite a while as a client.","start":82.29,"end":87.73,"sentiment":"neutral","sentiment_score":0.03780388953569143},{"text":"So just trying to to get a bit of a feel for it, so fine.","start":87.73,"end":92.08501,"sentiment":"neutral","sentiment_score":0.13810981512069703},{"text":"So from there, we'll just do a quick review, see how you feel about things.","start":92.225006,"end":95.525,"sentiment":"neutral","sentiment_score":0.08399529506762822},{"text":"At the moment, just because of, like, obviously, taking the money out previously, your balance still has a quite a a a low compared to, like, obviously, what it was when you came on board from taking the funds out.","start":96.465004,"end":106.53,"sentiment":"neutral","sentiment_score":-0.2239492330700159},{"text":"That's not to say that your performance wasn't too great.","start":106.53,"end":109.43,"sentiment":"neutral","sentiment_score":-0.09073525369167328}],"sentiment":"neutral","sentiment_score":-0.05499277424826784,"num_words":103,"start":82.29,"end":109.43},{"sentences":[{"text":"Being in that diversified sort of balanced portfolio there, it still did 7.81% after fees, which is really quite a nice return for a standardized balance growth portfolio.","start":109.49,"end":120.95,"sentiment":"positive","sentiment_score":0.412138720708234},{"text":"So will that that is traveling quite nicely.","start":122.455,"end":125.895004,"sentiment":"positive","sentiment_score":0.542939767241478},{"text":"It took a little bit of a dip with what's occurring at the moment given the current circumstances.","start":125.895004,"end":129.915,"sentiment":"neutral","sentiment_score":-0.23662545531988144},{"text":"So probably not the best time to take out sort of money if you were sort of thinking about it at the moment.","start":131.575,"end":136.13,"sentiment":"negative","sentiment_score":-0.40371693346811377},{"text":"I'd probably give it a little bit of a chance.","start":136.13,"end":137.91,"sentiment":"neutral","sentiment_score":-0.3310275852680206}],"sentiment":"neutral","sentiment_score":-0.011168059775199014,"num_words":87,"start":109.49,"end":137.91},{"sentences":[{"text":"Oh, yeah.","start":138.21,"end":138.61,"sentiment":"neutral","sentiment_score":-0.02564987912774086},{"text":"So $39,863.","start":138.61,"end":142.61,"sentiment":"neutral","sentiment_score":-0.008630403084680438},{"text":"So it's gone up a bit from when you went into I believe when it went into Hub, it yeah.","start":142.61,"end":151.465,"sentiment":"neutral","sentiment_score":-0.020169803639873862},{"text":"I think yeah.","start":151.465,"end":152.905,"sentiment":"neutral","sentiment_score":-0.0029303645715117455},{"text":"Originally, the first rollover was twenty two five, so '20 2000.","start":152.905,"end":157.565,"sentiment":"neutral","sentiment_score":-0.00045404699101874775}],"sentiment":"neutral","sentiment_score":-0.01278269073258056,"num_words":38,"start":138.21,"end":157.565},{"sentences":[{"text":"Yeah.","start":157.945,"end":158.345,"sentiment":"neutral","sentiment_score":0.004834284074604511},{"text":"So then and that was back in, yeah, July 2024, I believe.","start":158.345,"end":164.285,"sentiment":"neutral","sentiment_score":-0.005768701225557986},{"text":"So not too bad of a return at the moment.","start":165.12,"end":168.42,"sentiment":"neutral","sentiment_score":0.04761947393417358},{"text":"It was over the the 40 there for a second until, obviously, did it come.","start":168.95999,"end":173.28,"sentiment":"neutral","sentiment_score":-0.030788855999708174},{"text":"So not fantastic then saying that you're still able to pay for that insurance policy you currently still have there as well.","start":173.28,"end":179.765,"sentiment":"neutral","sentiment_score":-0.09517313607714394}],"sentiment":"neutral","sentiment_score":-0.03573062041638574,"num_words":60,"start":157.945,"end":179.765},{"sentences":[{"text":"And in terms of that, you're still comfortable with that life cover policy and how much you pay for that at the moment?","start":179.765,"end":184.585,"sentiment":"neutral","sentiment_score":0.052297277295071144},{"text":"Okay.","start":188.565,"end":188.885,"sentiment":"neutral","sentiment_score":-0.03336632251739502},{"text":"Yeah.","start":188.885,"end":189.125,"sentiment":"neutral","sentiment_score":-0.056757695972919464},{"text":"So the the youth yeah.","start":189.125,"end":194.2,"sentiment":"neutral","sentiment_score":-0.11000020168721676},{"text":"So at the moment, the policy yearly premium is around the 3,300 mark.","start":194.26,"end":198.26,"sentiment":"neutral","sentiment_score":-0.011650997142379101}],"sentiment":"neutral","sentiment_score":0.00956393925603046,"num_words":43,"start":179.765,"end":198.26},{"sentences":[{"text":"After the 15% rebate, it is $2,838.95 as a yearly premium.","start":198.26,"end":204.52,"sentiment":"neutral","sentiment_score":0.04233116116374731},{"text":"And then with that, the sum insured for $311,717 at the moment of life cover.","start":204.9,"end":212.565,"sentiment":"neutral","sentiment_score":0.1253904101749261},{"text":"Just in the event that anything did happen, that's what does pay out.","start":212.565,"end":216.425,"sentiment":"neutral","sentiment_score":0.23120459341085875},{"text":"Now, obviously, as you get older, it gets more expensive.","start":216.645,"end":220.44,"sentiment":"negative","sentiment_score":-0.49086786806583405},{"text":"You you are sort of, you know, a few years off there potentially, like, looking at settling entitlements, things like that as well.","start":220.74,"end":227.56,"sentiment":"neutral","sentiment_score":-0.2871001537727273}],"sentiment":"neutral","sentiment_score":-0.08735429209617662,"num_words":72,"start":198.26,"end":227.56},{"sentences":[{"text":"So there is the option potentially, like, given your lower balance as well just for going insurance cover.","start":228.1,"end":234.215,"sentiment":"neutral","sentiment_score":0.11018606854809655},{"text":"Obviously, you do lose that risk mitigation there, and I'd have to double check when this policy expires as well, like policies.","start":234.675,"end":242.455,"sentiment":"neutral","sentiment_score":-0.15390528298237108},{"text":"I believe it should be still quite a number of years, but I'd have to double check.","start":245.95,"end":249.70999,"sentiment":"neutral","sentiment_score":-0.05607720508294947},{"text":"I don't have it up in front of me at the the moment.","start":249.70999,"end":252.61,"sentiment":"neutral","sentiment_score":-0.1185705976990553},{"text":"But, yeah, there's certain age that do expire as well.","start":252.98999,"end":255.81,"sentiment":"neutral","sentiment_score":-0.0610431969165802}],"sentiment":"neutral","sentiment_score":-0.05634661521762609,"num_words":80,"start":228.1,"end":255.81},{"sentences":[{"text":"And I'll just see if it's got around the COC as well.","start":257.265,"end":260.325,"sentiment":"neutral","sentiment_score":-0.11805044114589691},{"text":"Alright.","start":263.265,"end":263.745,"sentiment":"neutral","sentiment_score":0.05237802118062973},{"text":"It wouldn't expire for quite some time.","start":263.745,"end":265.505,"sentiment":"neutral","sentiment_score":-0.013491191169513124},{"text":"So it would expire in 2062, so it's still some time in regards to that With that so in regards to insurance cover and sort of the price you pay and your current balance there at the moment, they can know you're currently working as a hairdresser and still contributing to it.","start":265.505,"end":283.0,"sentiment":"neutral","sentiment_score":0.02218570947073973},{"text":"Are you happy maintaining that for now?","start":283.0,"end":285.08,"sentiment":"neutral","sentiment_score":0.2020459281546729}],"sentiment":"neutral","sentiment_score":0.014041933908917104,"num_words":79,"start":257.265,"end":285.08},{"sentences":[{"text":"Is that something you wanna potentially ever think about?","start":285.08,"end":287.535,"sentiment":"neutral","sentiment_score":0.09467469652493794},{"text":"In terms of just reducing the the cover amount versus?","start":310.75,"end":313.88998,"sentiment":"neutral","sentiment_score":-0.10076154619455338},{"text":"I'll have a quick look and see what it might look like there.","start":315.885,"end":319.645,"sentiment":"neutral","sentiment_score":0.00570706116895263},{"text":"So, yeah, just this and is there a sort of amount in mind you're potentially thinking about in terms of yep.","start":319.645,"end":333.42,"sentiment":"neutral","sentiment_score":-0.08094253426506406},{"text":"No.","start":339.0,"end":339.24,"sentiment":"neutral","sentiment_score":-0.1807675063610077}],"sentiment":"neutral","sentiment_score":-0.036331705999112236,"num_words":54,"start":285.08,"end":339.24},{"sentences":[{"text":"Yeah.","start":339.24,"end":339.48,"sentiment":"neutral","sentiment_score":-0.08727312088012695},{"text":"You are.","start":339.48,"end":340.38,"sentiment":"neutral","sentiment_score":-0.041700832545757294},{"text":"Let me just bear with me.","start":344.035,"end":349.655,"sentiment":"neutral","sentiment_score":-0.02911359289040168},{"text":"So I'm just logging in to to Neos to do some in force quoting to to show you what that might look like.","start":351.315,"end":356.73,"sentiment":"neutral","sentiment_score":0.004042282325984991},{"text":"It's being a bit slow.","start":364.09,"end":365.47,"sentiment":"negative","sentiment_score":-0.4220988988876343}],"sentiment":"neutral","sentiment_score":-0.06386157687174508,"num_words":37,"start":339.24,"end":365.47},{"sentences":[{"text":"It's ready?","start":366.65002,"end":367.31,"sentiment":"neutral","sentiment_score":0.0759335458278656},{"text":"Yeah.","start":367.93002,"end":368.33002,"sentiment":"neutral","sentiment_score":0.12067222595214844},{"text":"It's ready to knock off for the day.","start":368.33002,"end":370.03,"sentiment":"neutral","sentiment_score":0.2296014279127121},{"text":"So within regards to that, if you just dropped it down to the 300 mark, it brings it obviously, you still get the 15% rebate, but currently, it's around $3,339.94, and that would drop to $3,214.40.","start":383.19,"end":397.485,"sentiment":"neutral","sentiment_score":0.05201190027097861},{"text":"Now if you dropped it maybe to because generally in lots of 250,000, under a million dollars, cover becomes a little bit cheaper.","start":398.44498,"end":407.485,"sentiment":"neutral","sentiment_score":-0.007505816690947699}],"sentiment":"neutral","sentiment_score":0.054416362382471564,"num_words":70,"start":366.65002,"end":407.485},{"sentences":[{"text":"So if you did just, like, 250,000, you would drop it down to $2,678.67, which is a bit more of a significant drop for the amount.","start":407.485,"end":418.21,"sentiment":"neutral","sentiment_score":-0.08365782646713062},{"text":"And then after the 15%, I'll just see what that actually comes to, it'd be around $2,276.86 in terms of, like, a a yearly figure, which drops it down a little bit there.","start":418.50998,"end":431.845,"sentiment":"neutral","sentiment_score":-0.06744711388918487},{"text":"At the moment there I'll just bring that back up.","start":435.42502,"end":438.405,"sentiment":"neutral","sentiment_score":-0.05058358572423458},{"text":"It's yeah.","start":439.185,"end":439.98502,"sentiment":"neutral","sentiment_score":-0.07307307049632072},{"text":"No.","start":439.98502,"end":440.14502,"sentiment":"neutral","sentiment_score":-0.05327712744474411}],"sentiment":"neutral","sentiment_score":-0.07091829683566983,"num_words":72,"start":407.485,"end":440.14502},{"sentences":[{"text":"It's fine.","start":440.14502,"end":440.465,"sentiment":"neutral","sentiment_score":0.011756358435377479},{"text":"$2,838.95.","start":440.465,"end":443.22,"sentiment":"neutral","sentiment_score":0.018077081069350243},{"text":"So about eight $100 and yeah.","start":443.62,"end":447.62,"sentiment":"neutral","sentiment_score":0.019423411848644417},{"text":"$2,838 and 95 cents.","start":447.62,"end":450.76,"sentiment":"neutral","sentiment_score":0.028459955006837845},{"text":"And then if you dropped it down to the 2 50 after The 300.","start":451.22,"end":458.835,"sentiment":"neutral","sentiment_score":0.006791882815637759}],"sentiment":"neutral","sentiment_score":0.013594683276972285,"num_words":27,"start":440.14502,"end":458.835},{"sentences":[{"text":"Let me just bring that one up as well.","start":458.835,"end":460.615,"sentiment":"neutral","sentiment_score":0.03548327481581105},{"text":"No.","start":462.835,"end":462.995,"sentiment":"neutral","sentiment_score":-0.07083563506603241},{"text":"That's fine.","start":462.995,"end":463.735,"sentiment":"neutral","sentiment_score":0.03667772561311722},{"text":"Yep.","start":465.235,"end":465.735,"sentiment":"neutral","sentiment_score":0.12138380855321884},{"text":"So I'll just get that after.","start":466.19498,"end":468.53497,"sentiment":"neutral","sentiment_score":0.1100909523665905}],"sentiment":"neutral","sentiment_score":0.05809467432922438,"num_words":19,"start":458.835,"end":468.53497},{"sentences":[{"text":"So I just have to do the the rebate there as well.","start":471.27,"end":473.93,"sentiment":"neutral","sentiment_score":0.06681311037391424},{"text":"It's annoying with the the quoting that they don't actually include the the rebated amount.","start":479.43,"end":484.54498,"sentiment":"negative","sentiment_score":-0.5973242163658142},{"text":"It's only on the certificate of currencies.","start":484.54498,"end":485.925,"sentiment":"neutral","sentiment_score":-0.12432014090674263},{"text":"Yeah.","start":486.785,"end":487.10498,"sentiment":"neutral","sentiment_score":-0.24617907404899597},{"text":"It's just it's weird like that.","start":487.10498,"end":489.60498,"sentiment":"negative","sentiment_score":-0.4438348015149434}],"sentiment":"neutral","sentiment_score":-0.29115938513380724,"num_words":41,"start":471.27,"end":489.60498},{"sentences":[{"text":"Bear with me.","start":490.38498,"end":491.365,"sentiment":"neutral","sentiment_score":-0.13453957438468933},{"text":"Yeah.","start":492.465,"end":492.865,"sentiment":"neutral","sentiment_score":0.014690916053950788},{"text":"So after the rebate for the 300, it'd be $2,732.24.","start":492.865,"end":498.245,"sentiment":"neutral","sentiment_score":0.013924097560811787},{"text":"Yep.","start":502.36,"end":502.86,"sentiment":"neutral","sentiment_score":0.0846916064620018},{"text":"And then if you dropped it down to the $2.50 mark, it would drop it after the rebate down to $2,276.86.","start":502.91998,"end":510.78,"sentiment":"neutral","sentiment_score":0.031824679601760136}],"sentiment":"neutral","sentiment_score":0.013981195739082372,"num_words":36,"start":490.38498,"end":510.78},{"sentences":[{"text":"Yeah.","start":521.765,"end":522.005,"sentiment":"neutral","sentiment_score":0.09042909741401672},{"text":"And, obviously, each year, it does creep up again as well, and you do have a CPO on on that as well.","start":522.005,"end":526.6023,"sentiment":"neutral","sentiment_score":0.010158196684311737},{"text":"So it does, like, increase a little bit each year.","start":526.6023,"end":529.63293,"sentiment":"neutral","sentiment_score":0.11020010635256768},{"text":"Is that something that you wanna address following this?","start":529.63293,"end":532.36053,"sentiment":"neutral","sentiment_score":0.236326707734002},{"text":"Are you happy just to have a think about it and just shoot us an email or give us a call?","start":532.36053,"end":538.725,"sentiment":"neutral","sentiment_score":0.19107770103783833}],"sentiment":"neutral","sentiment_score":0.11992829491103453,"num_words":63,"start":521.765,"end":538.725},{"sentences":[{"text":"Yep.","start":547.685,"end":548.08496,"sentiment":"neutral","sentiment_score":0.028904467821121216},{"text":"Not a problem at all.","start":548.08496,"end":549.38495,"sentiment":"neutral","sentiment_score":-0.22553365230560302},{"text":"Yep.","start":550.98,"end":551.14,"sentiment":"neutral","sentiment_score":0.21119356155395508},{"text":"You obviously, yeah, if you're happy managing it yet yourself and just reaching out when you want to address it, that's more than fine.","start":551.14,"end":557.56,"sentiment":"positive","sentiment_score":0.3412801157683134},{"text":"Obviously yeah.","start":557.77997,"end":558.92,"sentiment":"neutral","sentiment_score":0.012884127907454967}],"sentiment":"neutral","sentiment_score":0.2220885091545907,"num_words":33,"start":547.685,"end":558.92},{"sentences":[{"text":"So I can just sort of just generally speaking.","start":561.62,"end":564.18,"sentiment":"neutral","sentiment_score":-0.046189547412925296},{"text":"So in regards to, like, debts, you don't actually have but unless you sort of obviously haven't updated your assets and liabilities, you don't have, like, really any outstanding debts in terms of, like, if anything was to to happen to you in terms of covering it for your partner.","start":564.18,"end":577.235,"sentiment":"neutral","sentiment_score":-0.10918617006391287},{"text":"Obviously, you know, Andre might wanna take some time off work to to grieve and things like that as well.","start":577.235,"end":582.25,"sentiment":"neutral","sentiment_score":-0.15743964100256563},{"text":"So that's what a life insurance policy could do.","start":582.25,"end":584.59,"sentiment":"neutral","sentiment_score":0.043919081075323954},{"text":"Because, generally, like, life insurance, it's meant to cover, you know, outstanding debts, a little bit of bereavement, funeral costs, things like that to be out of sorta.","start":585.05,"end":593.23,"sentiment":"neutral","sentiment_score":-0.027556394559464285}],"sentiment":"neutral","sentiment_score":-0.08103547041336524,"num_words":116,"start":561.62,"end":593.23},{"sentences":[{"text":"When you're looking, like, TPD and compensation, they're a little bit different.","start":594.045,"end":596.685,"sentiment":"neutral","sentiment_score":-0.03757803048938513},{"text":"Like, yes, when you're still around and trying to cover for things, whereas life's just, like, generally, you just wanna, like, clear clear some yeah.","start":596.685,"end":603.725,"sentiment":"neutral","sentiment_score":-0.1000122794508934},{"text":"It doesn't affect you so much as it more affects the person.","start":603.725,"end":606.545,"sentiment":"neutral","sentiment_score":-0.21605714845160642},{"text":"Yeah.","start":608.07,"end":608.43,"sentiment":"neutral","sentiment_score":-0.1813005954027176},{"text":"Person behind and sort of how they're willing to able to, you know, cover expenses based on their income and things like that as well.","start":608.43,"end":616.21,"sentiment":"neutral","sentiment_score":-0.27426706910133364}],"sentiment":"neutral","sentiment_score":-0.16775875275333724,"num_words":75,"start":594.045,"end":616.21},{"sentences":[{"text":"So, you know, Andre wasn't based on his income able to to cover, like, his rent and things like that.","start":616.75,"end":622.545,"sentiment":"neutral","sentiment_score":-0.21236604154109956},{"text":"If you are gone, you may wanna still look at, you know, providing that until sort of he was able to, you know, apply for pensions, things like that, or if he's able to, you know, draw down his occupation, superannuation to be able to cover expenses, things like that as well.","start":622.545,"end":635.745,"sentiment":"neutral","sentiment_score":-0.1586367661276689},{"text":"You might not need as much cover.","start":635.745,"end":637.37,"sentiment":"neutral","sentiment_score":-0.25828403660229277},{"text":"So, yeah, less of, like, it the effect on you and more so the effect on partner that's left behind, you know, even with your your current super balance, even though it is that low balance, rather than the 40,000 there, Mark.","start":638.07,"end":652.01,"sentiment":"neutral","sentiment_score":-0.10067155212163925},{"text":"Obviously, it does take a little bit to, you know, get released and things like that, but that's more than enough money to to pay for a nice funeral and a bit of a wake at the end of the day as well if something was to happen and then probably a little bit left over for Andre, worst case scenario, if you're no longer around.","start":652.82495,"end":667.08496,"sentiment":"neutral","sentiment_score":-0.0038503755561330104}],"sentiment":"neutral","sentiment_score":-0.10046390856412005,"num_words":187,"start":616.75,"end":667.08496},{"sentences":[{"text":"It's just something to to think about.","start":669.62,"end":670.82,"sentiment":"neutral","sentiment_score":-0.09447867103985377},{"text":"I know it's a little bit morbid, but, yeah, it's just one of those things, unfortunately.","start":670.82,"end":674.92004,"sentiment":"neutral","sentiment_score":-0.18692705733701587},{"text":"Yeah.","start":675.14,"end":675.64,"sentiment":"neutral","sentiment_score":-0.011419875547289848},{"text":"Prepare for the the unexpected.","start":676.82,"end":678.28,"sentiment":"neutral","sentiment_score":-0.04719145596027374},{"text":"Exactly.","start":682.515,"end":683.015,"sentiment":"neutral","sentiment_score":0.13041488826274872}],"sentiment":"neutral","sentiment_score":-0.12563819605857135,"num_words":30,"start":669.62,"end":683.015},{"sentences":[{"text":"That's that's it.","start":683.23505,"end":684.85504,"sentiment":"neutral","sentiment_score":0.1042904332280159},{"text":"I'll just go through and confirm a few details there for you as well, Karen.","start":685.23505,"end":688.515,"sentiment":"neutral","sentiment_score":0.11661315560340882},{"text":"So email's to Karen.Masood@Gmail.com.","start":688.515,"end":692.34,"sentiment":"neutral","sentiment_score":0.04172092815861106},{"text":"Perfect.","start":693.94,"end":694.44,"sentiment":"positive","sentiment_score":0.4539000391960144},{"text":"Address hasn't changed.","start":694.5,"end":695.80005,"sentiment":"neutral","sentiment_score":0.15123218794663748}],"sentiment":"neutral","sentiment_score":0.12063649805405965,"num_words":26,"start":683.23505,"end":695.80005},{"sentences":[{"text":"Still just the the two dependents even though, you know, the children are a little bit older.","start":696.34,"end":700.76,"sentiment":"neutral","sentiment_score":-0.008375317953965244},{"text":"Yep.","start":704.26,"end":704.58,"sentiment":"neutral","sentiment_score":0.012924674898386002},{"text":"Not really carrying that.","start":704.58,"end":706.28,"sentiment":"neutral","sentiment_score":-0.14605426788330078},{"text":"That's fine.","start":706.34,"end":707.16003,"sentiment":"neutral","sentiment_score":0.01591956859920174},{"text":"Oh, one came back.","start":711.085,"end":712.22504,"sentiment":"neutral","sentiment_score":-0.03928362904116511}],"sentiment":"neutral","sentiment_score":-0.02996314931494583,"num_words":28,"start":696.34,"end":712.22504},{"sentences":[{"text":"Yeah.","start":715.405,"end":715.72504,"sentiment":"neutral","sentiment_score":-0.051739342510700226},{"text":"Especially with the cost of living at the moment.","start":715.72504,"end":717.66504,"sentiment":"neutral","sentiment_score":-0.2655613356166416},{"text":"It's not getting any any cheaper.","start":719.16504,"end":720.705,"sentiment":"neutral","sentiment_score":-0.31263211369514465},{"text":"And I know at the moment you were finalizing your partnership.","start":721.29,"end":724.64996,"sentiment":"neutral","sentiment_score":-0.0716063603758812},{"text":"Have you managed to finish that at the moment?","start":724.64996,"end":726.35,"sentiment":"neutral","sentiment_score":-0.046601273119449615}],"sentiment":"neutral","sentiment_score":-0.15346292965114117,"num_words":36,"start":715.405,"end":726.35},{"sentences":[{"text":"Yep.","start":728.08997,"end":728.41,"sentiment":"neutral","sentiment_score":0.040229253470897675},{"text":"And are you because I know you were doing some sort of managing as well.","start":728.41,"end":732.00995,"sentiment":"neutral","sentiment_score":0.003197779009739558},{"text":"Are you still doing the manager, or are you just like, you're cutting hair in addition to that as well?","start":732.00995,"end":736.35,"sentiment":"neutral","sentiment_score":0.0017923681996762752},{"text":"Yep.","start":739.885,"end":740.385,"sentiment":"neutral","sentiment_score":0.05036897584795952},{"text":"Yep.","start":744.125,"end":744.285,"sentiment":"neutral","sentiment_score":0.06530964374542236}],"sentiment":"neutral","sentiment_score":0.006308471636944695,"num_words":38,"start":728.08997,"end":744.285},{"sentences":[{"text":"Managing the floor and and hair.","start":744.285,"end":746.125,"sentiment":"neutral","sentiment_score":0.2128301536043485},{"text":"That's perfect.","start":746.125,"end":747.02496,"sentiment":"positive","sentiment_score":0.5120676755905151},{"text":"And how much do you reckon sort of office space versus, like, on the the floor doing, like, the haircuts and things like that?","start":749.74,"end":756.08,"sentiment":"neutral","sentiment_score":-0.014439303583155075},{"text":"On average, maybe yeah.","start":769.03503,"end":771.375,"sentiment":"neutral","sentiment_score":-0.06262817746028304},{"text":"Maybe around 30% office workers, like, if you broke it down between the time you spent doing that sort of forty, sixty.","start":774.88995,"end":782.91,"sentiment":"neutral","sentiment_score":-0.009040067057040605}],"sentiment":"neutral","sentiment_score":0.025951358650265068,"num_words":58,"start":744.285,"end":782.91},{"sentences":[{"text":"And as far as, like, qualifications at the moment, so you probably got, like, some sort of certificate in hairdressing, but do you have any other applicable qualifications at the moment?","start":784.90497,"end":795.08496,"sentiment":"neutral","sentiment_score":0.004606570597858199},{"text":"That's fine.","start":797.88,"end":798.62,"sentiment":"neutral","sentiment_score":0.10694190114736557},{"text":"And we don't have your employee name.","start":800.04,"end":801.8,"sentiment":"neutral","sentiment_score":-0.13794537048254693},{"text":"I know this is, like, all a bit little bit random, so they have updated their system.","start":801.8,"end":805.0,"sentiment":"neutral","sentiment_score":-0.1078680503894301},{"text":"Some of the so I'm just trying to get the most full picture with the updated workbooks.","start":805.0,"end":808.94,"sentiment":"neutral","sentiment_score":-0.07807095743277494}],"sentiment":"neutral","sentiment_score":-0.050944503182797016,"num_words":74,"start":784.90497,"end":808.94},{"sentences":[{"text":"I apologize.","start":809.0,"end":809.58,"sentiment":"neutral","sentiment_score":-0.16032961010932922},{"text":"Yeah.","start":809.96,"end":810.36,"sentiment":"neutral","sentiment_score":-0.03284937143325806},{"text":"Some of these.","start":810.36,"end":811.18,"sentiment":"neutral","sentiment_score":-0.017389273270964622},{"text":"No.","start":819.025,"end":819.425,"sentiment":"neutral","sentiment_score":-0.08527398109436035},{"text":"That as far as I say, it's a lot of just general information that is just like with the the new updated workbook.","start":819.425,"end":824.625,"sentiment":"neutral","sentiment_score":-0.04076527771742448}],"sentiment":"neutral","sentiment_score":-0.04761839266866445,"num_words":30,"start":809.0,"end":824.625},{"sentences":[{"text":"A lot of it didn't pull across.","start":824.625,"end":825.90497,"sentiment":"neutral","sentiment_score":-0.1847725361585617},{"text":"So I'm just, and we haven't spoken previously.","start":825.90497,"end":828.15,"sentiment":"neutral","sentiment_score":-0.08560087345540524},{"text":"Yeah.","start":828.53,"end":828.85004,"sentiment":"neutral","sentiment_score":-0.11010321229696274},{"text":"So I just wanna make sure that everything is up to date.","start":828.85004,"end":831.67004,"sentiment":"neutral","sentiment_score":-0.0367460319151481},{"text":"Unfortunately, that is quite painful, and you feel yep.","start":831.89,"end":840.165,"sentiment":"negative","sentiment_score":-0.36141351858774823}],"sentiment":"neutral","sentiment_score":-0.1562700541438283,"num_words":37,"start":824.625,"end":840.165},{"sentences":[{"text":"We we're currently, yeah, we're currently dealing with that at the moment.","start":851.52,"end":855.12,"sentiment":"neutral","sentiment_score":-0.24117496982216835},{"text":"So I feel your pain trying to get everything back updated.","start":855.12,"end":859.76,"sentiment":"neutral","sentiment_score":-0.05606887286359614},{"text":"So it's kind of like well, I guess we haven't spoken before, so it's nice in the sense that I get to know a little bit more about you.","start":859.76,"end":864.8,"sentiment":"neutral","sentiment_score":0.2793968389260358},{"text":"So in addition to, yeah, just making sure that everything's nice and up to date.","start":864.8,"end":871.035,"sentiment":"neutral","sentiment_score":0.3150639628370603},{"text":"But in terms of, like, managing the the salon there, how long have you been doing that as a a job now, if you don't mind me asking?","start":871.575,"end":877.675,"sentiment":"neutral","sentiment_score":0.02318621227251632}],"sentiment":"neutral","sentiment_score":0.10491394184921918,"num_words":95,"start":851.52,"end":877.675},{"sentences":[{"text":"Yep.","start":885.35004,"end":885.75,"sentiment":"neutral","sentiment_score":0.0020334571599960327},{"text":"And are you considered full time at the moment?","start":885.75,"end":888.34,"sentiment":"neutral","sentiment_score":-0.005007908369104068},{"text":"Yep.","start":891.28503,"end":891.78503,"sentiment":"neutral","sentiment_score":0.023956988006830215},{"text":"For permanent part time?","start":892.325,"end":893.86505,"sentiment":"neutral","sentiment_score":0.03209307324141264},{"text":"Perfect.","start":896.005,"end":896.505,"sentiment":"positive","sentiment_score":0.41560691595077515}],"sentiment":"neutral","sentiment_score":0.03280615492258221,"num_words":16,"start":885.35004,"end":896.505},{"sentences":[{"text":"And then in regards to annual income, do you know roughly what you're on at the moment?","start":897.125,"end":902.42505,"sentiment":"neutral","sentiment_score":0.0422179904382895},{"text":"Yeah.","start":914.07,"end":914.47,"sentiment":"neutral","sentiment_score":0.027755480259656903},{"text":"Gross is gross is fine.","start":914.47,"end":916.01,"sentiment":"neutral","sentiment_score":0.026736406981945036},{"text":"Yeah.","start":935.41,"end":935.81,"sentiment":"neutral","sentiment_score":0.008263187482953072},{"text":"That's fine.","start":935.81,"end":936.70996,"sentiment":"neutral","sentiment_score":0.08218903094530106}],"sentiment":"neutral","sentiment_score":0.04045325392284072,"num_words":26,"start":897.125,"end":936.70996},{"sentences":[{"text":"Yeah.","start":949.265,"end":949.765,"sentiment":"neutral","sentiment_score":0.08794524520635605},{"text":"Take your take your time.","start":950.145,"end":951.445,"sentiment":"neutral","sentiment_score":0.08862941861152648},{"text":"No.","start":961.12,"end":961.28,"sentiment":"neutral","sentiment_score":-0.12120296061038972},{"text":"No.","start":961.28,"end":961.60004,"sentiment":"neutral","sentiment_score":-0.14875847101211548},{"text":"Never, especially in the afternoon.","start":961.60004,"end":963.22003,"sentiment":"neutral","sentiment_score":-0.1031893327832222}],"sentiment":"neutral","sentiment_score":-0.019601212098048285,"num_words":13,"start":949.265,"end":963.22003},{"sentences":[{"text":"Probably about the eighteen months now.","start":969.77496,"end":971.95496,"sentiment":"neutral","sentiment_score":-0.035090649500489235},{"text":"Getting around to a few clients with the way they're they're sort of do things in regards to you know, it was a bit of a flow of terms of, like, people speaking with different advisers.","start":973.375,"end":982.64996,"sentiment":"neutral","sentiment_score":0.009933838051640324},{"text":"I think they're doing a bit more of a a group system now where you're more likely to get the the same adviser moving forward.","start":982.64996,"end":990.11,"sentiment":"neutral","sentiment_score":0.023509091660380364},{"text":"So we'll see we'll see how that works out.","start":990.17,"end":993.305,"sentiment":"neutral","sentiment_score":0.10456258886390263},{"text":"And if you're you're talking to me for the next sort of twelve, twenty four months, yeah, in saying that the team is pretty helpful here anyway if you do get one of us all together.","start":993.305,"end":1002.685,"sentiment":"neutral","sentiment_score":0.08368445053282711}],"sentiment":"neutral","sentiment_score":0.0418616525296654,"num_words":112,"start":969.77496,"end":1002.685},{"sentences":[{"text":"Perfect.","start":1005.16003,"end":1005.66003,"sentiment":"positive","sentiment_score":0.7277042269706726},{"text":"It's good to hear.","start":1005.72003,"end":1006.62,"sentiment":"positive","sentiment_score":0.6818991005420685},{"text":"That's that's what I like to hear.","start":1012.2,"end":1013.9,"sentiment":"neutral","sentiment_score":0.19490490002291544},{"text":"Might have a different opinion.","start":1018.73505,"end":1020.015,"sentiment":"neutral","sentiment_score":-0.12559490501880646},{"text":"Right?","start":1020.015,"end":1020.515,"sentiment":"neutral","sentiment_score":0.021031100302934647}],"sentiment":"neutral","sentiment_score":0.23403841691712537,"num_words":18,"start":1005.16003,"end":1020.515},{"sentences":[{"text":"Okay.","start":1023.615,"end":1024.115,"sentiment":"neutral","sentiment_score":0.08573159575462341},{"text":"Yep.","start":1052.14,"end":1052.38,"sentiment":"neutral","sentiment_score":0.06457477062940598},{"text":"And as far as, like, a budget, are you doing a budget at the moment in terms of, like, what you're trying to save per week versus what your expenditures are at the moment?","start":1052.38,"end":1059.92,"sentiment":"neutral","sentiment_score":0.02368114379179828},{"text":"Okay.","start":1065.035,"end":1065.535,"sentiment":"neutral","sentiment_score":-0.021018708124756813},{"text":"Yep.","start":1076.81,"end":1077.2101,"sentiment":"neutral","sentiment_score":0.04655420035123825}],"sentiment":"neutral","sentiment_score":0.0258158091455698,"num_words":38,"start":1023.615,"end":1077.2101},{"sentences":[{"text":"Okay.","start":1077.2101,"end":1077.6901,"sentiment":"neutral","sentiment_score":0.06748266518115997},{"text":"Not a problem.","start":1077.6901,"end":1078.5901,"sentiment":"neutral","sentiment_score":0.09384902069965999},{"text":"And did you want a copy of, like, OQ's budget planner to be able to sort of track those bills and things like that a little bit better?","start":1080.0901,"end":1087.9501,"sentiment":"neutral","sentiment_score":0.07905006515128273},{"text":"You don't actually have to return it if you're sort of happy just utilizing it.","start":1091.485,"end":1094.525,"sentiment":"neutral","sentiment_score":0.1843399375677109},{"text":"It just helps in terms of, like, you can just chuck in all your bills that you expect for the year, and it just gives you a bit more of a breakdown.","start":1094.525,"end":1100.605,"sentiment":"neutral","sentiment_score":0.17822469444945455}],"sentiment":"neutral","sentiment_score":0.13962937768878816,"num_words":79,"start":1077.2101,"end":1100.605},{"sentences":[{"text":"You're able to track it a little bit better for that.","start":1100.605,"end":1104.2,"sentiment":"neutral","sentiment_score":0.12443270263346759},{"text":"And then yeah.","start":1105.14,"end":1106.12,"sentiment":"neutral","sentiment_score":0.12104433526595433},{"text":"Perfect.","start":1109.62,"end":1110.12,"sentiment":"positive","sentiment_score":0.5040729641914368},{"text":"I'll get that emailed off to you there.","start":1110.42,"end":1112.76,"sentiment":"neutral","sentiment_score":0.2539392588660121},{"text":"And then in regards to contributions, are you planning on doing any other contributions to superannuation at the moment apart from, like, your your salary contribution?","start":1113.78,"end":1125.275,"sentiment":"neutral","sentiment_score":0.03469650483188721}],"sentiment":"neutral","sentiment_score":0.10550181419417566,"num_words":49,"start":1100.605,"end":1125.275},{"sentences":[{"text":"Yeah.","start":1131.03,"end":1131.43,"sentiment":"neutral","sentiment_score":-0.03459122031927109},{"text":"No.","start":1131.43,"end":1131.67,"sentiment":"neutral","sentiment_score":-0.21466654539108276},{"text":"Completely understandable.","start":1131.67,"end":1132.65,"sentiment":"neutral","sentiment_score":-0.224598228931427},{"text":"Yeah.","start":1139.91,"end":1140.31,"sentiment":"neutral","sentiment_score":0.08408903330564499},{"text":"Because, like, generally, if your balance is, like, a little bit high, you can look at, like, transition to retirement type studies that can benefit, like, in drawing down some of your super and recontributing.","start":1140.31,"end":1149.475,"sentiment":"neutral","sentiment_score":0.12228834490690912}],"sentiment":"neutral","sentiment_score":0.09164317203685642,"num_words":40,"start":1131.03,"end":1149.475},{"sentences":[{"text":"But based on your your tax bracket, it probably wouldn't be the most beneficial at the moment, Not unless you sort of got up into that, you know, up to, you know, 45 and above maybe, and then it might start showing some benefits.","start":1150.255,"end":1163.94,"sentiment":"neutral","sentiment_score":-0.21767583591016856},{"text":"But apart from that, it might just end up being a bit more in administration cost than what it would sort of benefit you in terms of that.","start":1164.32,"end":1170.74,"sentiment":"neutral","sentiment_score":-0.05225037197981562},{"text":"Because with that, you obviously get taxed less going into to superannuation and sort of trying to draw down a little bit as well.","start":1171.165,"end":1178.705,"sentiment":"neutral","sentiment_score":0.23108070033291975},{"text":"But with the the lower amounts drawing, you're not gonna sort of save too much on tax given you're in a lower tax bracket anyway.","start":1179.3251,"end":1185.425,"sentiment":"neutral","sentiment_score":0.05604362934827804},{"text":"It's once you sort of look at going above that, because at the moment, you're only getting charged around sort of 16% for, like, you know, every dollar that you're you're making, whereas superannuation's 15 at the moment.","start":1186.98,"end":1199.78,"sentiment":"neutral","sentiment_score":0.03499217576494342}],"sentiment":"neutral","sentiment_score":-0.017383754557970935,"num_words":159,"start":1150.255,"end":1199.78},{"sentences":[{"text":"So when you start getting dollars over the 45,000 mark, that's when you sort of you know, you're on that 30% tax bracket that you might look at doing those sort of strategies to where, you know, contributing to superannuation brings you back down, and then you're paying that 15%, not the 30.","start":1199.78,"end":1216.5,"sentiment":"neutral","sentiment_score":0.036100556546787045},{"text":"And then you can draw down a little bit of a superannuation tax free given that you're over the age of 60 now.","start":1216.5,"end":1221.56,"sentiment":"neutral","sentiment_score":0.0635567550425944},{"text":"Yeah.","start":1223.7001,"end":1224.2001,"sentiment":"neutral","sentiment_score":0.07826633006334305},{"text":"So that's the sort of way to do it.","start":1224.26,"end":1225.86,"sentiment":"neutral","sentiment_score":0.07308559326661958},{"text":"So you're not actually losing money in that sense.","start":1225.86,"end":1227.62,"sentiment":"neutral","sentiment_score":0.0037035155627462616}],"sentiment":"neutral","sentiment_score":0.0436263491840739,"num_words":95,"start":1199.78,"end":1227.62},{"sentences":[{"text":"So even though at the moment, you don't feel like you got money to spare, it doesn't actually matter in that sense that yeah.","start":1227.62,"end":1234.6849,"sentiment":"neutral","sentiment_score":-0.10394573428978522},{"text":"But given that, you know, depending on, you know, how things going, if you draw down your super things like that, given you're not too far off, maybe applying for settling entitlements and things like that as well, It might not come into play, but, you know, depending on how things go as well.","start":1236.505,"end":1250.73,"sentiment":"neutral","sentiment_score":-0.030287554418599164},{"text":"Yeah.","start":1251.99,"end":1252.3099,"sentiment":"neutral","sentiment_score":0.15093572437763214},{"text":"So we'll there you go.","start":1252.3099,"end":1256.87,"sentiment":"neutral","sentiment_score":0.13482585847377776},{"text":"So maybe maybe next month, you might be in the the million dollar one.","start":1256.87,"end":1261.35,"sentiment":"neutral","sentiment_score":0.13485994562506676}],"sentiment":"neutral","sentiment_score":-0.014460421490425967,"num_words":98,"start":1227.62,"end":1261.35},{"sentences":[{"text":"So you gotta be in it to win it as they say.","start":1261.35,"end":1268.695,"sentiment":"neutral","sentiment_score":0.15560404770076275},{"text":"Yeah.","start":1274.61,"end":1274.85,"sentiment":"neutral","sentiment_score":-0.03439677506685257},{"text":"There's a there's a few people that have a certificate going around the office as well to just to try and, you know, like you said, in it to win.","start":1274.85,"end":1281.99,"sentiment":"neutral","sentiment_score":-0.016760919863979023},{"text":"Yeah.","start":1285.01,"end":1285.41,"sentiment":"neutral","sentiment_score":-0.0223133098334074},{"text":"It tends to be like that.","start":1285.41,"end":1286.45,"sentiment":"neutral","sentiment_score":-0.07675085216760635}],"sentiment":"neutral","sentiment_score":0.016944115571677684,"num_words":50,"start":1261.35,"end":1286.45},{"sentences":[{"text":"I'm not too sure if it's more people being in Australia and the cost of living.","start":1286.45,"end":1289.3949,"sentiment":"neutral","sentiment_score":-0.06541164708323777},{"text":"Everyone wants to win it big.","start":1289.3949,"end":1291.0149,"sentiment":"neutral","sentiment_score":0.1383745496471723},{"text":"Yeah.","start":1292.4349,"end":1292.6749,"sentiment":"neutral","sentiment_score":0.0530269593000412},{"text":"Exactly.","start":1292.6749,"end":1293.1749,"sentiment":"neutral","sentiment_score":0.050826769322156906},{"text":"In terms of the your assets and liabilities there, I know you had the car was around the 18 mark that you nearly had paid off.","start":1294.5149,"end":1300.7549,"sentiment":"neutral","sentiment_score":-0.019921184589083377}],"sentiment":"neutral","sentiment_score":-0.012608722522854806,"num_words":50,"start":1286.45,"end":1300.7549},{"sentences":[{"text":"Have you managed to pay that off now?","start":1300.7549,"end":1302.45,"sentiment":"neutral","sentiment_score":-0.03811753215268254},{"text":"Probably.","start":1304.0499,"end":1304.5499,"sentiment":"neutral","sentiment_score":-0.29192671179771423},{"text":"And as far yeah.","start":1304.69,"end":1307.73,"sentiment":"negative","sentiment_score":-0.39252055436372757},{"text":"I mean, I yeah.","start":1307.73,"end":1309.1699,"sentiment":"neutral","sentiment_score":-0.00606346782296896},{"text":"A little bit, you know, a day older, a a a dollar less, but, yeah, some things say it's like a fine one, so you never know.","start":1309.1699,"end":1316.63,"sentiment":"neutral","sentiment_score":0.0887520739601718}],"sentiment":"neutral","sentiment_score":0.004661430435424501,"num_words":44,"start":1300.7549,"end":1316.63},{"sentences":[{"text":"Brilliant.","start":1319.1951,"end":1319.6951,"sentiment":"positive","sentiment_score":0.8083698749542236},{"text":"And as far as, like, a savings account there, Karen, do you have a little bit, like, of a rainy day fund at the moment?","start":1319.915,"end":1325.775,"sentiment":"neutral","sentiment_score":0.1345364499092102},{"text":"Yep.","start":1328.635,"end":1329.135,"sentiment":"neutral","sentiment_score":0.0872296392917633},{"text":"Yep.","start":1340.09,"end":1340.57,"sentiment":"neutral","sentiment_score":0.06993749737739563},{"text":"And do you know roughly how much you got sort of sitting in there at the moment?","start":1340.57,"end":1343.625,"sentiment":"neutral","sentiment_score":0.03730952268575921}],"sentiment":"neutral","sentiment_score":0.11029355877803432,"num_words":45,"start":1319.1951,"end":1343.625},{"sentences":[{"text":"Just check that there.","start":1349.625,"end":1350.845,"sentiment":"neutral","sentiment_score":0.06701949518173933},{"text":"And as far as any other assets and liabilities that we're not really aware of, is there anything else that we're not too sure of?","start":1350.985,"end":1356.24,"sentiment":"neutral","sentiment_score":0.0008315562456846237},{"text":"Yeah.","start":1359.6799,"end":1359.84,"sentiment":"neutral","sentiment_score":0.010234239511191843},{"text":"No.","start":1359.84,"end":1360.08,"sentiment":"neutral","sentiment_score":-0.05676339566707611},{"text":"That's fine.","start":1360.08,"end":1360.82,"sentiment":"neutral","sentiment_score":-0.006045445799827576}],"sentiment":"neutral","sentiment_score":0.006977176942834349,"num_words":33,"start":1349.625,"end":1360.82},{"sentences":[{"text":"Okay.","start":1369.215,"end":1369.715,"sentiment":"neutral","sentiment_score":-0.014720330014824867},{"text":"No.","start":1370.415,"end":1370.655,"sentiment":"neutral","sentiment_score":-0.035564955323934555},{"text":"That's that's perfectly fine.","start":1370.655,"end":1372.195,"sentiment":"neutral","sentiment_score":0.06867416575551033},{"text":"Yeah.","start":1373.615,"end":1374.115,"sentiment":"neutral","sentiment_score":-0.029240179806947708},{"text":"You never know.","start":1374.735,"end":1375.535,"sentiment":"neutral","sentiment_score":-0.06898909310499828}],"sentiment":"neutral","sentiment_score":-0.0011796081438660623,"num_words":10,"start":1369.215,"end":1375.535},{"sentences":[{"text":"We're we're still holding out on that lottery.","start":1375.535,"end":1377.215,"sentiment":"neutral","sentiment_score":-0.0667550377547741},{"text":"Yeah.","start":1377.215,"end":1377.715,"sentiment":"neutral","sentiment_score":-0.005892869085073471},{"text":"Yeah.","start":1386.1901,"end":1386.6901,"sentiment":"neutral","sentiment_score":-0.0618504136800766},{"text":"And then, you know, sometimes, you know, the the subscriptions get a little out of hand.","start":1387.79,"end":1392.1901,"sentiment":"neutral","sentiment_score":-0.15260919136926532},{"text":"You gotta cut back on Netflix for a few months and things like that as well.","start":1392.1901,"end":1395.41,"sentiment":"neutral","sentiment_score":-0.12245695106685162}],"sentiment":"neutral","sentiment_score":-0.11911528247098128,"num_words":42,"start":1375.535,"end":1395.41},{"sentences":[{"text":"Exactly.","start":1398.585,"end":1399.085,"sentiment":"neutral","sentiment_score":-0.03643668815493584},{"text":"And in terms of your health, Karen, for the past twelve months, no unexpected hospital trips.","start":1399.945,"end":1404.4249,"sentiment":"neutral","sentiment_score":0.2400098331272602},{"text":"So that your health's been largely well?","start":1404.4249,"end":1406.205,"sentiment":"positive","sentiment_score":0.4743743709155491},{"text":"Right.","start":1408.44,"end":1408.94,"sentiment":"neutral","sentiment_score":0.2205812633037567},{"text":"And currently nonsmoker?","start":1409.7999,"end":1411.02,"sentiment":"neutral","sentiment_score":-0.0346904012064139}],"sentiment":"neutral","sentiment_score":0.25860183207052095,"num_words":28,"start":1398.585,"end":1411.02},{"sentences":[{"text":"Not planning on taking it up any time soon?","start":1413.16,"end":1415.1799,"sentiment":"neutral","sentiment_score":-0.24058831234773},{"text":"Yeah.","start":1415.7999,"end":1416.2999,"sentiment":"neutral","sentiment_score":-0.09261885285377502},{"text":"Exactly.","start":1417.0,"end":1417.5,"sentiment":"neutral","sentiment_score":-0.09621267020702362},{"text":"So you've answered these questions previously as well, but you haven't declared bankruptcy or part nine debt agreement, have you?","start":1418.52,"end":1424.265,"sentiment":"neutral","sentiment_score":-0.11184458546340466},{"text":"Okay.","start":1425.925,"end":1426.3251,"sentiment":"neutral","sentiment_score":-0.022000521421432495}],"sentiment":"neutral","sentiment_score":-0.1441568301524967,"num_words":32,"start":1413.16,"end":1426.3251},{"sentences":[{"text":"Was that bankruptcy or part nine?","start":1426.3251,"end":1428.665,"sentiment":"neutral","sentiment_score":-0.04163954686373472},{"text":"So part nine is like a payment plan sort of agreement.","start":1431.525,"end":1433.8451,"sentiment":"neutral","sentiment_score":-0.03986464237624949},{"text":"Where is bankruptcy?","start":1433.8451,"end":1434.7451,"sentiment":"neutral","sentiment_score":-0.10252096007267635},{"text":"Not that it matters a whole heap, but do you remember sort of what year that might be?","start":1437.48,"end":1440.7799,"sentiment":"neutral","sentiment_score":-0.15478025832109982},{"text":"Four years ago?","start":1447.1749,"end":1448.075,"sentiment":"neutral","sentiment_score":-0.04758149012923241}],"sentiment":"neutral","sentiment_score":-0.09572439872455306,"num_words":41,"start":1426.3251,"end":1448.075},{"sentences":[{"text":"Oh, so it's like it ended four years ago, and it was, like yeah.","start":1454.9349,"end":1462.15,"sentiment":"neutral","sentiment_score":-0.029966568840401515},{"text":"Perfect.","start":1462.15,"end":1462.65,"sentiment":"positive","sentiment_score":0.4000427722930908},{"text":"Just make a note of that.","start":1464.87,"end":1465.91,"sentiment":"neutral","sentiment_score":0.2706417217850685},{"text":"Not that it matters a whole heap unless you're sort of going for things like property purchase and things like that as well unless that's on the the cards for the next few months.","start":1465.91,"end":1475.625,"sentiment":"neutral","sentiment_score":-0.017425002174123246},{"text":"And then as far as private health there, Karen, have you got private health insurance?","start":1477.525,"end":1480.985,"sentiment":"neutral","sentiment_score":-0.0033006714036067325}],"sentiment":"neutral","sentiment_score":0.01374858563233699,"num_words":70,"start":1454.9349,"end":1480.985},{"sentences":[{"text":"Right.","start":1488.9,"end":1489.4,"sentiment":"neutral","sentiment_score":0.04762767255306244},{"text":"And then as far as the will is concerned, have you and Andre gotten around to perfect and do you have a power of attorney in place with that one?","start":1490.02,"end":1499.415,"sentiment":"neutral","sentiment_score":0.035866720850269},{"text":"Right.","start":1501.235,"end":1501.735,"sentiment":"neutral","sentiment_score":0.029752809554338455},{"text":"And then these ones are a little bit random there, but you're not a tax resident for any other country at the moment, are you?","start":1502.675,"end":1508.43,"sentiment":"neutral","sentiment_score":-0.06233959972858429},{"text":"Perfect.","start":1510.27,"end":1510.77,"sentiment":"neutral","sentiment_score":0.10230875015258788}],"sentiment":"neutral","sentiment_score":-0.0052206747490784215,"num_words":58,"start":1488.9,"end":1510.77},{"sentences":[{"text":"And this is a bit of more of a random one.","start":1511.0701,"end":1513.0701,"sentiment":"neutral","sentiment_score":-0.08044285293329846},{"text":"You're not politically exposed, though.","start":1513.0701,"end":1514.1901,"sentiment":"neutral","sentiment_score":-0.24383486807346344},{"text":"You don't have any sort of friends and family and politics or yourself?","start":1514.1901,"end":1517.65,"sentiment":"neutral","sentiment_score":-0.22554537252737925},{"text":"And as far as goals are concerned there, Karen, I know your main sort of goal was to finish your apprenticeship and then maybe do a little bit of traveling.","start":1523.485,"end":1530.865,"sentiment":"neutral","sentiment_score":-0.00218317915375034},{"text":"Is that sort of yeah.","start":1532.125,"end":1536.4099,"sentiment":"neutral","sentiment_score":-0.15442402958869933}],"sentiment":"neutral","sentiment_score":-0.09177736075071152,"num_words":64,"start":1511.0701,"end":1536.4099},{"sentences":[{"text":"Okay.","start":1536.4099,"end":1536.9099,"sentiment":"neutral","sentiment_score":0.021352548152208328},{"text":"There it is.","start":1537.61,"end":1538.4299,"sentiment":"neutral","sentiment_score":0.12909887731075287},{"text":"And then is in terms of, like, other goals, like, in with your retirement as well and thinking about that, Yep.","start":1539.0499,"end":1564.5,"sentiment":"neutral","sentiment_score":0.11417452653958685},{"text":"Yeah.","start":1573.695,"end":1574.095,"sentiment":"neutral","sentiment_score":0.025100279599428177},{"text":"Yeah.","start":1574.095,"end":1574.415,"sentiment":"neutral","sentiment_score":0.03826764225959778}],"sentiment":"neutral","sentiment_score":0.10628452441758579,"num_words":27,"start":1536.4099,"end":1574.415},{"sentences":[{"text":"Exactly.","start":1574.415,"end":1574.895,"sentiment":"neutral","sentiment_score":0.05804026126861572},{"text":"And so, hopefully, there's some few things here.","start":1574.895,"end":1576.995,"sentiment":"neutral","sentiment_score":-0.03538400586694479},{"text":"Yeah.","start":1581.135,"end":1581.615,"sentiment":"neutral","sentiment_score":-0.023786388337612152},{"text":"Yeah.","start":1581.615,"end":1581.855,"sentiment":"neutral","sentiment_score":-0.0283424761146307},{"text":"No.","start":1581.855,"end":1582.255,"sentiment":"neutral","sentiment_score":-0.1277065873146057}],"sentiment":"neutral","sentiment_score":-0.03373893645281593,"num_words":12,"start":1574.415,"end":1582.255},{"sentences":[{"text":"You're exactly right there.","start":1582.255,"end":1584.035,"sentiment":"neutral","sentiment_score":-0.07894474640488625},{"text":"Obviously, yeah, when it comes down to Centrelink and your Centrelink entitlements and things like that, those are all things we can look at at that sort of age of 67, things like that as well.","start":1584.4601,"end":1592.8,"sentiment":"neutral","sentiment_score":-0.030509324744343758},{"text":"A little bit, but in saying that hopefully a lot of it that is grandfathered.","start":1597.195,"end":1601.0549,"sentiment":"neutral","sentiment_score":0.10211041383445263},{"text":"So at least hopefully for you, it's it's more than capable there as well.","start":1601.195,"end":1607.695,"sentiment":"neutral","sentiment_score":0.27467005646654535},{"text":"And have you had a thought about because, obviously, you know, with the the superannuation being a little bit lower in that as well, is the main goal, like, just at the moment just to build up a bit more of a savings and then sort of maybe think about, like, the super side of things and maybe trying to bolster it up just a little bit as well?","start":1607.9149,"end":1623.015,"sentiment":"neutral","sentiment_score":0.12211166397816893}],"sentiment":"neutral","sentiment_score":0.08977266040671131,"num_words":138,"start":1582.255,"end":1623.015},{"sentences":[{"text":"Yep.","start":1631.895,"end":1632.055,"sentiment":"neutral","sentiment_score":0.1943938434123993},{"text":"And is that something you wanna sort of revisit in maybe six months, or is that something, you know, in, like, your next interview you might wanna start thinking about a little bit more?","start":1632.055,"end":1639.2,"sentiment":"neutral","sentiment_score":0.1671664438703481},{"text":"Or Yep.","start":1639.2,"end":1647.135,"sentiment":"neutral","sentiment_score":0.1350802183151245},{"text":"Yep.","start":1658.255,"end":1658.495,"sentiment":"neutral","sentiment_score":0.16500364243984222},{"text":"Yeah.","start":1658.495,"end":1658.8151,"sentiment":"neutral","sentiment_score":0.17007611691951752}],"sentiment":"neutral","sentiment_score":0.16623828541009855,"num_words":39,"start":1631.895,"end":1658.8151},{"sentences":[{"text":"And, obviously, we can yeah.","start":1658.8151,"end":1663.17,"sentiment":"neutral","sentiment_score":0.06383925303816795},{"text":"And sometimes you don't you, like, don't even wanna end up where you sorta are.","start":1663.17,"end":1667.25,"sentiment":"neutral","sentiment_score":-0.05553174950182438},{"text":"You might wanna be somewhere else, you know, closer to family, things like that as well.","start":1667.25,"end":1671.1901,"sentiment":"neutral","sentiment_score":0.01598741626366973},{"text":"So those are all sort of things to to think about as well.","start":1671.65,"end":1675.185,"sentiment":"neutral","sentiment_score":0.22011612527645552},{"text":"Well.","start":1686.625,"end":1687.125,"sentiment":"neutral","sentiment_score":0.1487540304660797}],"sentiment":"neutral","sentiment_score":0.055045646838843824,"num_words":50,"start":1658.8151,"end":1687.125},{"sentences":[{"text":"Yeah.","start":1687.185,"end":1687.505,"sentiment":"neutral","sentiment_score":0.17341840267181396},{"text":"Yeah.","start":1687.505,"end":1687.905,"sentiment":"neutral","sentiment_score":0.1745530366897583},{"text":"So those are all sort of things that we can have a look at, you know, given that, you know, you obviously do have your partner there as well.","start":1687.905,"end":1695.26,"sentiment":"neutral","sentiment_score":0.19773824821258412},{"text":"We can sort of look at, you know, in the next sort of couple of years doing, like, maybe a joint advice piece as well to sort of encompass both of them and what that sorta looks like in terms of that.","start":1695.26,"end":1709.235,"sentiment":"neutral","sentiment_score":0.15962782901312625},{"text":"And, yeah, and then having a bit of a discussion around what you're you're trying to achieve.","start":1710.8151,"end":1715.0751,"sentiment":"neutral","sentiment_score":0.16033066984485178}],"sentiment":"neutral","sentiment_score":0.1723596760382255,"num_words":90,"start":1687.185,"end":1715.0751},{"sentences":[{"text":"Obviously, I can't go into too much detail about Andre's.","start":1715.4551,"end":1717.9551,"sentiment":"neutral","sentiment_score":-0.051764125004410744},{"text":"Yeah.","start":1718.735,"end":1719.15,"sentiment":"neutral","sentiment_score":0.11523845791816711},{"text":"But, yeah, in saying that we can have a bit more of a discussion around what you're you're both trying to achieve then, get going.","start":1720.03,"end":1726.37,"sentiment":"neutral","sentiment_score":0.26132771134376526},{"text":"He's thinking about it at the moment sort of thing and yeah.","start":1730.35,"end":1743.745,"sentiment":"neutral","sentiment_score":-0.012675192051877579},{"text":"Yeah.","start":1743.745,"end":1744.245,"sentiment":"neutral","sentiment_score":0.002599671483039856}],"sentiment":"neutral","sentiment_score":0.12206708894548368,"num_words":49,"start":1715.4551,"end":1744.245},{"sentences":[{"text":"Yeah.","start":1746.9601,"end":1747.36,"sentiment":"neutral","sentiment_score":0.02909906581044197},{"text":"So that's all sort of things we need to sort of have a a discussion around and things like that as well.","start":1747.36,"end":1752.26,"sentiment":"neutral","sentiment_score":0.05317869359119372},{"text":"Perfect.","start":1755.04,"end":1755.2001,"sentiment":"positive","sentiment_score":0.6697098016738892},{"text":"And within regards to risk profile, quickly run through that and just make sure that's all up to date.","start":1755.2001,"end":1762.555,"sentiment":"neutral","sentiment_score":0.19634667117344706},{"text":"But I have here previously that you have direct invest in direct shares.","start":1763.415,"end":1767.415,"sentiment":"neutral","sentiment_score":0.018161094246002343}],"sentiment":"neutral","sentiment_score":0.10420394828543067,"num_words":56,"start":1746.9601,"end":1767.415},{"sentences":[{"text":"Is that correct?","start":1767.415,"end":1768.3151,"sentiment":"neutral","sentiment_score":0.013273975811898708},{"text":"What was that?","start":1773.99,"end":1774.55,"sentiment":"neutral","sentiment_score":-0.1126530518134435},{"text":"Sorry.","start":1774.55,"end":1774.67,"sentiment":"neutral","sentiment_score":-0.19747889041900635},{"text":"I cut out just a little bit.","start":1774.67,"end":1776.0901,"sentiment":"neutral","sentiment_score":-0.13389110565185547},{"text":"Yeah.","start":1779.67,"end":1779.91,"sentiment":"neutral","sentiment_score":-0.009518876671791077}],"sentiment":"neutral","sentiment_score":-0.09615818231056134,"num_words":15,"start":1767.415,"end":1779.91},{"sentences":[{"text":"Have you, like, invested in direct shares previously?","start":1779.91,"end":1782.0901,"sentiment":"neutral","sentiment_score":-0.01752606895752251},{"text":"Like, just holding, like, companies, yeah, like, stocks.","start":1784.3049,"end":1787.125,"sentiment":"neutral","sentiment_score":-0.04270661203190684},{"text":"You know?","start":1787.6649,"end":1788.325,"sentiment":"neutral","sentiment_score":-0.06732853502035141},{"text":"Yep.","start":1789.9049,"end":1790.225,"sentiment":"neutral","sentiment_score":-0.016607951372861862},{"text":"Okay.","start":1790.225,"end":1790.5449,"sentiment":"neutral","sentiment_score":-0.014308279380202292}],"sentiment":"neutral","sentiment_score":-0.03237173743546009,"num_words":20,"start":1779.91,"end":1790.5449},{"sentences":[{"text":"Not a problem.","start":1790.5449,"end":1791.2849,"sentiment":"neutral","sentiment_score":-0.12285871555407842},{"text":"Okay.","start":1794.145,"end":1794.465,"sentiment":"neutral","sentiment_score":0.124197818338871},{"text":"Yep.","start":1794.465,"end":1794.965,"sentiment":"neutral","sentiment_score":0.19103926420211792},{"text":"And then in terms of your superannuation, there's a good chance that you might wanna sorta access some of it in the next sort of two or three years?","start":1795.13,"end":1800.1901,"sentiment":"neutral","sentiment_score":0.21221728494455075},{"text":"Yeah.","start":1810.105,"end":1810.605,"sentiment":"neutral","sentiment_score":0.12846225500106812}],"sentiment":"neutral","sentiment_score":0.17798355583633696,"num_words":35,"start":1790.5449,"end":1810.605},{"sentences":[{"text":"So yeah.","start":1810.985,"end":1814.345,"sentiment":"neutral","sentiment_score":0.09787974506616592},{"text":"Not a problem.","start":1814.345,"end":1815.085,"sentiment":"neutral","sentiment_score":0.27149735391139984},{"text":"And then, obviously, with inflation and cost of living and things like that going up, would you still consider yourself a bit more of a moderate to risk taker in regards to being able to take on a bit more risk to outpace inflation and get more of a return while you are still working?","start":1815.3049,"end":1829.62,"sentiment":"neutral","sentiment_score":0.11270140246911482},{"text":"Well, as in terms of, like, if you just put it all in cash, you you know, you're probably getting just the, you know, the standard maybe a little bit more if you do, like, term deposits and bonds and things like that.","start":1832.64,"end":1842.4551,"sentiment":"neutral","sentiment_score":-0.05548032381853392},{"text":"But the inflation rate kinda eats away that in terms of, like, the inflation rate can get quite high.","start":1842.4551,"end":1847.1951,"sentiment":"neutral","sentiment_score":-0.2481898172317367}],"sentiment":"neutral","sentiment_score":0.000881706853015501,"num_words":122,"start":1810.985,"end":1847.1951},{"sentences":[{"text":"So if you were to pull it all sort of out now, you sort of miss out on the opportunity for some growth.","start":1847.655,"end":1852.5399,"sentiment":"negative","sentiment_score":-0.36435408598702884},{"text":"Yeah.","start":1852.9199,"end":1853.4199,"sentiment":"neutral","sentiment_score":-0.11213882267475128},{"text":"That's fine.","start":1853.96,"end":1854.78,"sentiment":"neutral","sentiment_score":-0.14188402518630028},{"text":"And given everything that is happening at the moment, obviously, you know, you see we did take a little bit of a a dive there just to what's happening with the wars in Ukraine.","start":1855.32,"end":1862.5399,"sentiment":"neutral","sentiment_score":-0.15768762951826348},{"text":"Yeah.","start":1862.6799,"end":1863.1799,"sentiment":"neutral","sentiment_score":0.01478661224246025}],"sentiment":"neutral","sentiment_score":-0.2315187482315986,"num_words":61,"start":1847.655,"end":1863.1799},{"sentences":[{"text":"Not to say it's a huge amount by any means.","start":1863.5599,"end":1865.8151,"sentiment":"neutral","sentiment_score":-0.08566545583307743},{"text":"You still made quite a nice return over a twelve month period, but it could have been a lot better given if anything did happen.","start":1865.8151,"end":1871.675,"sentiment":"neutral","sentiment_score":0.2276915641874075},{"text":"When things like that do occur and if it was to, like, drop by significant sort of amounts, would you still just hold and wait for it to improve, or would you sort of be a bit worried, looked at moving to more secure assets, or are you still, you know, willing?","start":1872.295,"end":1884.4701,"sentiment":"neutral","sentiment_score":-0.10586000412989122},{"text":"Yeah.","start":1890.29,"end":1890.79,"sentiment":"neutral","sentiment_score":-0.0493982657790184},{"text":"No.","start":1891.17,"end":1891.41,"sentiment":"neutral","sentiment_score":-0.1341574341058731}],"sentiment":"neutral","sentiment_score":-0.009580240093087881,"num_words":89,"start":1863.5599,"end":1891.41},{"sentences":[{"text":"Understandable.","start":1891.41,"end":1891.91,"sentiment":"neutral","sentiment_score":-0.08648940175771713},{"text":"Yeah.","start":1901.755,"end":1902.155,"sentiment":"neutral","sentiment_score":0.012152310460805891},{"text":"No.","start":1902.155,"end":1902.475,"sentiment":"neutral","sentiment_score":-0.05013042315840721},{"text":"Completely understandable.","start":1902.475,"end":1903.535,"sentiment":"neutral","sentiment_score":0.12823467515408993},{"text":"Yep.","start":1906.17,"end":1906.57,"sentiment":"positive","sentiment_score":0.4236997961997986}],"sentiment":"neutral","sentiment_score":0.09261693867544334,"num_words":6,"start":1891.41,"end":1906.57},{"sentences":[{"text":"Perfect.","start":1906.57,"end":1907.07,"sentiment":"positive","sentiment_score":0.6213555335998535},{"text":"And then as far as, like, a return that you aimed here, you'd be happy to get obviously, you know, you got the higher end of things with that that 8% this year.","start":1908.01,"end":1915.53,"sentiment":"positive","sentiment_score":0.3774361841832147},{"text":"But, like, is it if you were getting sort of, you know, four to 6% in that bit more of a like, it's still somewhat growth, but defensive a little bit there as well, would you be comfortable if you were still getting, like, four or 6% per annum?","start":1915.53,"end":1928.9049,"sentiment":"neutral","sentiment_score":0.0037963741591998507},{"text":"Yeah.","start":1931.86,"end":1932.1799,"sentiment":"neutral","sentiment_score":0.23118895292282104},{"text":"Obviously, big is always better.","start":1932.1799,"end":1933.86,"sentiment":"neutral","sentiment_score":0.29637165665626525}],"sentiment":"neutral","sentiment_score":0.16826763125450422,"num_words":89,"start":1906.57,"end":1933.86},{"sentences":[{"text":"So that's fine.","start":1933.86,"end":1935.32,"sentiment":"neutral","sentiment_score":0.28990058104197186},{"text":"Yep.","start":1941.38,"end":1941.88,"sentiment":"neutral","sentiment_score":0.22140124440193176},{"text":"Not a problem at all.","start":1942.26,"end":1943.72,"sentiment":"positive","sentiment_score":0.35099220275878906},{"text":"And then in regards to borrowed money, like, obviously, circumstances were different, would you ever borrow money to invest in certain things like property and things like that if you were to have a house if circumstances were different?","start":1943.86,"end":1955.745,"sentiment":"neutral","sentiment_score":0.10031147845662557},{"text":"Yeah.","start":1958.54,"end":1959.04,"sentiment":"neutral","sentiment_score":0.07418420910835266}],"sentiment":"neutral","sentiment_score":0.1394366504130315,"num_words":49,"start":1933.86,"end":1959.04},{"sentences":[{"text":"Not a problem at all.","start":1959.1,"end":1960.3201,"sentiment":"neutral","sentiment_score":0.025234402716159822},{"text":"Yeah.","start":1960.78,"end":1961.1,"sentiment":"neutral","sentiment_score":0.06435433030128479},{"text":"No.","start":1961.1,"end":1961.5801,"sentiment":"neutral","sentiment_score":0.039095133543014526},{"text":"Understandable there as well.","start":1961.5801,"end":1963.28,"sentiment":"neutral","sentiment_score":0.06297209672629833},{"text":"That still does bring you to a bit more of a a moderate investor.","start":1964.22,"end":1967.12,"sentiment":"neutral","sentiment_score":0.2297845897930009}],"sentiment":"neutral","sentiment_score":0.14793976485729218,"num_words":25,"start":1959.1,"end":1967.12},{"sentences":[{"text":"Now within regards to what you currently hold you in that Vanguard portfolio just due to the cost of your lower balance, so that's in that oh, bear with me.","start":1967.26,"end":1978.415,"sentiment":"neutral","sentiment_score":0.13901106131573518},{"text":"The diversified balance sort of growth portfolio there as well.","start":1978.415,"end":1981.635,"sentiment":"positive","sentiment_score":0.34887409806251524},{"text":"And it is still getting that nice return at at the moment in terms of what you you invested in, what the return you are getting.","start":1982.015,"end":1988.6699,"sentiment":"positive","sentiment_score":0.47889574330586654},{"text":"Slightly more defensive in the sense that you do sort of probably have around the 40% in defensive assets, around the 60% of the growth assets.","start":1989.1299,"end":1996.75,"sentiment":"neutral","sentiment_score":0.013394761866388412},{"text":"But that's also probably why you have sort of not taken a significant dive compared to some of those growth and high growth portfolios given that you do have some of that more defensive.","start":1997.1299,"end":2006.7251,"sentiment":"neutral","sentiment_score":-0.052607595372725934}],"sentiment":"neutral","sentiment_score":0.1481743469198663,"num_words":126,"start":1967.26,"end":2006.7251},{"sentences":[{"text":"They've gone backwards quite a bit, whereas your portfolio has held up quite nicely in terms of, like, what has occurred in their current markets.","start":2006.865,"end":2014.165,"sentiment":"neutral","sentiment_score":0.08266381248831749},{"text":"Now are you still, yeah.","start":2014.545,"end":2017.29,"sentiment":"neutral","sentiment_score":0.24655379801988603},{"text":"Are you still happy with your your current portfolio at the moment and what you're currently invested in?","start":2017.29,"end":2022.03,"sentiment":"neutral","sentiment_score":0.14726035503877533},{"text":"Yeah.","start":2024.01,"end":2024.49,"sentiment":"neutral","sentiment_score":0.028098927810788155},{"text":"Obviously, at year, we sort of still review it as well in terms of that and and what happened is happening.","start":2024.49,"end":2030.67,"sentiment":"neutral","sentiment_score":-0.014062252494373493}],"sentiment":"neutral","sentiment_score":0.08118346169191812,"num_words":70,"start":2006.865,"end":2030.67},{"sentences":[{"text":"One thing I forgot to mention there as well, I had here on your that you were renting somewhat $200 per month.","start":2031.925,"end":2042.0851,"sentiment":"neutral","sentiment_score":-0.05262359798970548},{"text":"Is that still the same?","start":2042.0851,"end":2045.04,"sentiment":"neutral","sentiment_score":-0.15864971429109573},{"text":"Yeah.","start":2045.8201,"end":2046.3201,"sentiment":"neutral","sentiment_score":-0.10340510308742525},{"text":"No.","start":2046.7001,"end":2046.9401,"sentiment":"negative","sentiment_score":-0.34805482625961304},{"text":"It's a bit odd.","start":2046.9401,"end":2047.92,"sentiment":"negative","sentiment_score":-0.3793492242693901}],"sentiment":"neutral","sentiment_score":-0.11878256223192721,"num_words":33,"start":2031.925,"end":2047.92},{"sentences":[{"text":"In terms of that one?","start":2048.46,"end":2050.32,"sentiment":"neutral","sentiment_score":-0.13312657177448273},{"text":"No.","start":2051.82,"end":2052.22,"sentiment":"neutral","sentiment_score":-0.19444024562835693},{"text":"It might be some old data because as I said, there's a you've been on board for quite some time, so I was pulling from a bunch of workbooks.","start":2052.22,"end":2058.08,"sentiment":"neutral","sentiment_score":-0.12549809199468842},{"text":"That current residence here, are you renting that one at the moment, or is that do you know roughly what's the the That's fine.","start":2058.995,"end":2092.705,"sentiment":"neutral","sentiment_score":-0.03304129520741602},{"text":"And I don't think I mentioned it either, but apart from the car and the savings, do you have any other assets or liabilities that I didn't mention there at the moment there, Karen?","start":2092.705,"end":2100.16,"sentiment":"neutral","sentiment_score":-0.059495117953594995}],"sentiment":"neutral","sentiment_score":-0.07865960072846181,"num_words":93,"start":2048.46,"end":2100.16},{"sentences":[{"text":"Yeah.","start":2130.41,"end":2130.57,"sentiment":"neutral","sentiment_score":0.09084278345108032},{"text":"No problem.","start":2130.57,"end":2131.13,"sentiment":"neutral","sentiment_score":0.2381955087184906},{"text":"I'll just get that updated then.","start":2131.13,"end":2132.91,"sentiment":"neutral","sentiment_score":0.20263899366060892},{"text":"Now in terms of, like, what we can do at the moment, Karen, given that your portfolio is tracking quite well and you don't wanna address your insurances just yet, We can look to leave things alone, Pranadi.","start":2134.985,"end":2147.3,"sentiment":"neutral","sentiment_score":0.045402924187089265},{"text":"I'm happy leaving the fees off just giving your current balance at the moment.","start":2147.3,"end":2150.4202,"sentiment":"neutral","sentiment_score":0.23706644560609544}],"sentiment":"neutral","sentiment_score":0.1119231003351876,"num_words":61,"start":2130.41,"end":2150.4202},{"sentences":[{"text":"Obviously, when we sort of look to maybe update your advice and do some joint advice, they might wanna chuck the fee on.","start":2150.4202,"end":2155.54,"sentiment":"neutral","sentiment_score":-0.000909734274382176},{"text":"At the moment, there's a coupling fee, so it's 1.1 if your spouse is on board.","start":2155.54,"end":2160.04,"sentiment":"neutral","sentiment_score":-0.022933969856239855},{"text":"Yes.","start":2162.035,"end":2162.355,"sentiment":"neutral","sentiment_score":0.1377788484096527},{"text":"So with that, I'm happy to leave it off at the moment just while we're not looking at updating anything.","start":2162.355,"end":2167.415,"sentiment":"neutral","sentiment_score":0.22484013997018337},{"text":"And then should, you know, six to twelve months, we look at doing, like, maybe an advice piece, they might wanna put the the feedback on, but we'll we'll leave it off for now.","start":2168.035,"end":2176.42,"sentiment":"neutral","sentiment_score":0.04557891869369675}],"sentiment":"neutral","sentiment_score":0.06166380295094023,"num_words":94,"start":2150.4202,"end":2176.42},{"sentences":[{"text":"In terms of, like, what comes next there, obviously, if you wanna address your insurances, that's more than fine and have a think about that.","start":2176.72,"end":2183.0398,"sentiment":"neutral","sentiment_score":0.11003425106406212},{"text":"I can even send you some some quotes for you to have a look at.","start":2183.0398,"end":2187.405,"sentiment":"neutral","sentiment_score":0.104657115538915},{"text":"With those two quotes, obviously, they'll be before the discounts apply, but I can show you what that $302.50 looks like when I email you through the budget planner as well.","start":2188.365,"end":2197.345,"sentiment":"neutral","sentiment_score":0.12499192212858508},{"text":"You can have a look at it.","start":2198.285,"end":2199.405,"sentiment":"neutral","sentiment_score":0.13005991599389485},{"text":"At least it gives you the cost difference and how that might change for you to review.","start":2199.405,"end":2204.32,"sentiment":"neutral","sentiment_score":0.17835206932881298}],"sentiment":"neutral","sentiment_score":0.12776702301282633,"num_words":95,"start":2176.72,"end":2204.32},{"sentences":[{"text":"And then yeah.","start":2205.58,"end":2208.7,"sentiment":"positive","sentiment_score":0.3902519146601359},{"text":"Exactly.","start":2208.7,"end":2209.2,"sentiment":"positive","sentiment_score":0.3412870168685913},{"text":"It all adds up at the end of the day.","start":2209.74,"end":2211.68,"sentiment":"positive","sentiment_score":0.44735503792762754},{"text":"And then from this conversation there as well, they will send out the annual review pack.","start":2212.3801,"end":2217.9949,"sentiment":"neutral","sentiment_score":0.22946473583579063},{"text":"Obviously, in regards to ongoing service agreement, there won't be one because you're not paying a fee currently.","start":2217.9949,"end":2222.4148,"sentiment":"neutral","sentiment_score":0.05260523305171066}],"sentiment":"neutral","sentiment_score":0.2209150647589316,"num_words":48,"start":2205.58,"end":2222.4148},{"sentences":[{"text":"But they'll show you your twelve month performance.","start":2223.275,"end":2225.9348,"sentiment":"neutral","sentiment_score":0.31247938238084316},{"text":"They'll give you certificate of currency, a few other documents as well.","start":2226.555,"end":2229.115,"sentiment":"neutral","sentiment_score":0.26167500391602516},{"text":"I believe they'll also include a TFN opt in form.","start":2229.115,"end":2231.76,"sentiment":"neutral","sentiment_score":0.21486763507127762},{"text":"So where we're storing your tax file number, the form's just updated as well.","start":2231.76,"end":2235.06,"sentiment":"neutral","sentiment_score":0.17816140183380672},{"text":"From there, if they do have any other outstanding documents, they will just reach out.","start":2236.8801,"end":2240.32,"sentiment":"neutral","sentiment_score":0.1320125917593638}],"sentiment":"neutral","sentiment_score":0.20784847387823008,"num_words":59,"start":2223.275,"end":2240.32},{"sentences":[{"text":"But I believe everything else is largely up to date.","start":2240.32,"end":2242.72,"sentiment":"neutral","sentiment_score":0.16071084290742874},{"text":"I'll just do a double check on your account.","start":2242.72,"end":2244.6602,"sentiment":"neutral","sentiment_score":0.12942041373915142},{"text":"Super insurance beneficiary forms are up to date.","start":2245.885,"end":2248.2852,"sentiment":"neutral","sentiment_score":0.16011139750480652},{"text":"ID is up to date.","start":2248.2852,"end":2249.665,"sentiment":"neutral","sentiment_score":0.08121991753578187},{"text":"So I don't believe there's anything else that we need just at this moment.","start":2250.605,"end":2253.405,"sentiment":"neutral","sentiment_score":-0.06302082831306118}],"sentiment":"neutral","sentiment_score":0.07775198530567728,"num_words":46,"start":2240.32,"end":2253.405},{"sentences":[{"text":"But is there anything else you wanna have a chat about, Karen, while you've got me anything in relation to yeah.","start":2253.405,"end":2261.66,"sentiment":"neutral","sentiment_score":0.012629070097491854},{"text":"No.","start":2261.66,"end":2261.82,"sentiment":"neutral","sentiment_score":-0.07671741396188736},{"text":"That's fine.","start":2261.82,"end":2262.56,"sentiment":"neutral","sentiment_score":0.12224993109703064},{"text":"Yeah.","start":2325.815,"end":2326.135,"sentiment":"neutral","sentiment_score":0.07322274148464203},{"text":"No.","start":2326.135,"end":2326.295,"sentiment":"neutral","sentiment_score":0.039406415075063705}],"sentiment":"neutral","sentiment_score":0.020985464493815716,"num_words":26,"start":2253.405,"end":2326.295},{"sentences":[{"text":"That's good.","start":2326.295,"end":2327.035,"sentiment":"neutral","sentiment_score":0.24073654413223267},{"text":"Yeah.","start":2327.255,"end":2327.415,"sentiment":"neutral","sentiment_score":0.05494044721126557},{"text":"I see.","start":2327.415,"end":2327.9949,"sentiment":"neutral","sentiment_score":0.028399860486388206},{"text":"Yeah.","start":2329.015,"end":2329.515,"sentiment":"neutral","sentiment_score":-0.0006141625344753265},{"text":"Yep.","start":2349.925,"end":2350.425,"sentiment":"neutral","sentiment_score":0.031804390251636505}],"sentiment":"neutral","sentiment_score":0.08920049773795265,"num_words":7,"start":2326.295,"end":2350.425},{"sentences":[{"text":"No.","start":2350.565,"end":2350.885,"sentiment":"neutral","sentiment_score":0.018645092844963074},{"text":"That's fine.","start":2350.885,"end":2351.785,"sentiment":"neutral","sentiment_score":0.15392377227544785},{"text":"Yeah.","start":2361.3,"end":2361.54,"sentiment":"neutral","sentiment_score":0.0794825553894043},{"text":"I'll send you yeah.","start":2361.54,"end":2365.62,"sentiment":"neutral","sentiment_score":0.11799488961696625},{"text":"I'll send you the the quotes with the the budget planner there as well.","start":2365.62,"end":2369.225,"sentiment":"neutral","sentiment_score":0.17029604368976184}],"sentiment":"neutral","sentiment_score":0.148277243768627,"num_words":22,"start":2350.565,"end":2369.225},{"sentences":[{"text":"You can have a review of the 300 and the $2.50.","start":2369.225,"end":2371.5452,"sentiment":"neutral","sentiment_score":0.11296911266717044},{"text":"As I said, when you see the quote, it doesn't include the actual rollover max.","start":2371.5452,"end":2376.425,"sentiment":"neutral","sentiment_score":-0.010601352900266647},{"text":"You do get a little bit of a discount paying through superannuation.","start":2376.425,"end":2378.7651,"sentiment":"neutral","sentiment_score":0.053367654172082744},{"text":"That doesn't list.","start":2379.145,"end":2380.125,"sentiment":"neutral","sentiment_score":-0.04015687728921572},{"text":"So the the amounts will look higher, but you'll get the 15% rebate based on the yearly totals there.","start":2380.9402,"end":2386.56,"sentiment":"neutral","sentiment_score":0.025241099101932424}],"sentiment":"neutral","sentiment_score":0.03471936744948228,"num_words":60,"start":2369.225,"end":2386.56},{"sentences":[{"text":"So it will be a little bit less than that as well.","start":2386.86,"end":2389.52,"sentiment":"neutral","sentiment_score":-0.025017931902160246},{"text":"So just be mindful of that in regards to what you're actually paying, and then I'll include that budget planner for you guys to just be able to utilize to help sorta, you know, cover those bigger expenses and plan for those a little bit there as well and, you know, leisure activities, things like that.","start":2389.58,"end":2405.925,"sentiment":"neutral","sentiment_score":0.13007163828504936},{"text":"And then if you just respond to that one as well, we'll just get that quote.","start":2406.0652,"end":2409.77,"sentiment":"neutral","sentiment_score":0.1874043857678771},{"text":"We'll get it signed.","start":2409.77,"end":2410.49,"sentiment":"neutral","sentiment_score":0.25118403136730194},{"text":"We'll get that sent off to the insurer, and that's as good as dusted for that one.","start":2410.49,"end":2414.57,"sentiment":"positive","sentiment_score":0.3684092567247503}],"sentiment":"neutral","sentiment_score":0.1642853354591699,"num_words":105,"start":2386.86,"end":2414.57},{"sentences":[{"text":"And then we'll just let you know when it goes in force.","start":2414.57,"end":2416.59,"sentiment":"neutral","sentiment_score":0.14987263083457947},{"text":"Not a problem.","start":2420.9849,"end":2421.785,"sentiment":"neutral","sentiment_score":0.2709748099247615},{"text":"But do you have any other questions for me, Karen, while you've got me there today?","start":2421.785,"end":2424.6848,"sentiment":"neutral","sentiment_score":0.043529904913157225},{"text":"Yeah.","start":2433.4,"end":2433.56,"sentiment":"neutral","sentiment_score":0.03529253602027893},{"text":"No.","start":2433.56,"end":2433.72,"sentiment":"neutral","sentiment_score":0.023231372237205505}],"sentiment":"neutral","sentiment_score":0.10201207232294661,"num_words":33,"start":2414.57,"end":2433.72},{"sentences":[{"text":"You're perfectly fine.","start":2433.72,"end":2434.6,"sentiment":"positive","sentiment_score":0.4126198689142863},{"text":"Take your time.","start":2434.6,"end":2435.42,"sentiment":"positive","sentiment_score":0.4144112467765808},{"text":"Yes, sir.","start":2475.765,"end":2476.325,"sentiment":"neutral","sentiment_score":-0.03857081010937691},{"text":"He can.","start":2476.325,"end":2476.9849,"sentiment":"neutral","sentiment_score":-0.006643518805503844},{"text":"Yeah.","start":2497.955,"end":2498.275,"sentiment":"neutral","sentiment_score":-0.05622022971510887}],"sentiment":"neutral","sentiment_score":0.2122222235934301,"num_words":11,"start":2433.72,"end":2498.275},{"sentences":[{"text":"It's it's not not a huge huge problem there anyway.","start":2498.275,"end":2502.855,"sentiment":"neutral","sentiment_score":-0.1847250357270241},{"text":"So once we were to update anything, we might need some more sort of concrete figures and things like that just so it's up to date.","start":2503.155,"end":2510.06,"sentiment":"neutral","sentiment_score":-0.0006583895032795576},{"text":"At the moment, I've just got you the take home, that 900, and then I believe it was previously around the 52 mark in terms of, like, what your sort of gross income was as a total.","start":2511.8,"end":2522.385,"sentiment":"neutral","sentiment_score":0.016384241146010323},{"text":"Okay.","start":2528.6848,"end":2529.1848,"sentiment":"neutral","sentiment_score":0.02555966004729271},{"text":"So my be a little bit yes.","start":2529.2449,"end":2533.5,"sentiment":"neutral","sentiment_score":0.01779887585767678}],"sentiment":"neutral","sentiment_score":-0.013679009517309841,"num_words":81,"start":2498.275,"end":2533.5},{"sentences":[{"text":"No.","start":2533.5,"end":2533.6602,"sentiment":"neutral","sentiment_score":-0.04629821330308914},{"text":"That's fine.","start":2533.6602,"end":2534.4001,"sentiment":"neutral","sentiment_score":0.00023325288202613592},{"text":"So with that let's have a quick look down 52.","start":2536.62,"end":2540.78,"sentiment":"neutral","sentiment_score":0.010984298959374427},{"text":"So 900 times of 52 is around 46,800.","start":2540.78,"end":2544.54,"sentiment":"neutral","sentiment_score":-0.0022940722992643714},{"text":"Does that sound about sort of right in regards to yeah.","start":2544.54,"end":2548.155,"sentiment":"neutral","sentiment_score":-0.01303764009340243}],"sentiment":"neutral","sentiment_score":-0.0030548542927135713,"num_words":32,"start":2533.5,"end":2548.155},{"sentences":[{"text":"Okay.","start":2548.155,"end":2548.475,"sentiment":"neutral","sentiment_score":0.03694761544466019},{"text":"No problem.","start":2548.475,"end":2548.875,"sentiment":"neutral","sentiment_score":0.1318308711051941},{"text":"I'll just track that down.","start":2548.875,"end":2550.095,"sentiment":"neutral","sentiment_score":0.10489452257752419},{"text":"As I said, it doesn't sort of make a huge difference.","start":2550.395,"end":2553.355,"sentiment":"neutral","sentiment_score":0.017933485976589673},{"text":"So that's just sort of looking at updating things or doing sort of plans and things like that as well.","start":2553.355,"end":2557.615,"sentiment":"neutral","sentiment_score":0.05045428052544594}],"sentiment":"neutral","sentiment_score":0.05208810068702755,"num_words":39,"start":2548.155,"end":2557.615},{"sentences":[{"text":"So that's fine.","start":2558.635,"end":2559.615,"sentiment":"neutral","sentiment_score":0.25376499195893604},{"text":"As far as everything's concerned, if you are happy with everything and sort of get that annual review pack and sign everything, there isn't a whole heap that that needs to sort of change that we're concerned about at the moment with how your super is tracking.","start":2560.38,"end":2572.96,"sentiment":"neutral","sentiment_score":0.06643292957797964},{"text":"Obviously, you know, if anything does change in the future, feel free to to reach out and have a conversation around anything.","start":2573.5251,"end":2579.3052,"sentiment":"neutral","sentiment_score":0.21510125933723015},{"text":"But we'll also touch base in, like, another twelve months for that annual review, and you can maybe have a think about, yeah, what you guys are maybe trying to yeah.","start":2579.605,"end":2587.3,"sentiment":"neutral","sentiment_score":0.16476418618713656},{"text":"And trying to to look to do, so that's more than fine.","start":2587.3,"end":2590.3599,"sentiment":"neutral","sentiment_score":0.257858470082283}],"sentiment":"neutral","sentiment_score":0.14624227638477866,"num_words":115,"start":2558.635,"end":2590.3599},{"sentences":[{"text":"And if you wanna take all your money and run at the end of the day, that's more than fine as well.","start":2590.66,"end":2594.42,"sentiment":"neutral","sentiment_score":0.23677085627886382},{"text":"We don't hold any.","start":2594.42,"end":2595.56,"sentiment":"negative","sentiment_score":-0.45005492866039276},{"text":"Yeah.","start":2600.2751,"end":2600.435,"sentiment":"neutral","sentiment_score":-0.18478211760520935},{"text":"I don't know.","start":2600.435,"end":2600.995,"sentiment":"neutral","sentiment_score":-0.18950324257214865},{"text":"The lot yeah.","start":2600.995,"end":2602.7751,"sentiment":"neutral","sentiment_score":-0.09794317930936813}],"sentiment":"neutral","sentiment_score":0.07156417394677798,"num_words":33,"start":2590.66,"end":2602.7751},{"sentences":[{"text":"Understandable.","start":2602.8352,"end":2603.3352,"sentiment":"neutral","sentiment_score":0.019259890541434288},{"text":"And then, you know, there's always the lotto at the end of the day there as well.","start":2604.1152,"end":2607.395,"sentiment":"neutral","sentiment_score":-0.0010306453880141763},{"text":"So fingers crossed for you.","start":2607.395,"end":2608.935,"sentiment":"neutral","sentiment_score":0.14137877747416497},{"text":"Yeah.","start":2611.17,"end":2611.41,"sentiment":"neutral","sentiment_score":0.15195947885513306},{"text":"Well, other than that there, Kyle, I'll let you get back to your afternoon.","start":2611.41,"end":2614.31,"sentiment":"neutral","sentiment_score":0.07319804387433189}],"sentiment":"neutral","sentiment_score":0.049614865773994675,"num_words":38,"start":2602.8352,"end":2614.31},{"sentences":[{"text":"But in saying that, if you do have any questions once that interview comes through, feel free to give us a call, come back with any question.","start":2614.37,"end":2620.55,"sentiment":"neutral","sentiment_score":0.08336038915095506},{"text":"Otherwise, you respond to that email.","start":2620.85,"end":2622.825,"sentiment":"neutral","sentiment_score":0.033456825030346714},{"text":"And if you wanna look at reducing it, we can get that action for you as well.","start":2622.825,"end":2626.125,"sentiment":"neutral","sentiment_score":0.05119897786747007},{"text":"No problem at all, Cam.","start":2628.185,"end":2629.145,"sentiment":"positive","sentiment_score":0.6177798628807067},{"text":"Well, you enjoy the rest of your night, and thanks.","start":2629.145,"end":2630.825,"sentiment":"positive","sentiment_score":0.7847611904144287}],"sentiment":"neutral","sentiment_score":0.2193594661469643,"num_words":65,"start":2614.37,"end":2630.825},{"sentences":[{"text":"It's been a pleasure.","start":2630.825,"end":2631.645,"sentiment":"positive","sentiment_score":0.694683313369751},{"text":"Cheers.","start":2632.745,"end":2633.245,"sentiment":"positive","sentiment_score":0.6203773021697998},{"text":"Bye.","start":2633.305,"end":2633.805,"sentiment":"neutral","sentiment_score":-0.05248314142227173}],"sentiment":"positive","sentiment_score":0.557771235704422,"num_words":6,"start":2630.825,"end":2633.805}]}}]},{"alternatives":[{"transcript":"I'm speaking. I'm well. Thank you. And you? Yep. Perfect. Mhmm. Karen Ann Marie Masood. Unit 1611 Toole Drive, Hudram, And 15th 1162. Mhmm. Okay. That sounds right. Yeah. Yeah. Mhmm. Mhmm. Mhmm. Yep. Yeah. Well yeah. Yeah. No. I don't How much do I have? '25 or something. Yeah. Okay. Yeah. 06/30. Mhmm. Yep. Yep. I don't even know I don't even know what I'm paying or what I have at the moment, actually, to be quite honest with you. So, like, one of those things that you just take and, you know, don't think about it again. Mhmm. Mhmm. Yeah. Yep. Okay. Oh, yeah. Yep. Yep. Okay. Yep. Mhmm. If if I dropped it, like, what, you know, like, what's sort of we're looking at the fees. How how much do you reduce it by if you drop, like, you know, just like, sometimes when you do like, if you take the 300, you sort of drop $10 or something. But then sometimes when you drop it, like, a 150, it's a big drop. You know what I'm saying? Like, how do you work out? Yeah. Yeah. Yeah. Yeah. Yeah. Because I have dropped it over the years. It's sort of like like well. Well, I suppose that keeps going up how much everything cost. Doesn't like it. You should be making it go up. Does that make sense? Like, you know yeah. What what would 300 would 300 make any difference? Yeah. Yeah. It's how I feel at the moment. Yeah. Okay. Yes. Yep. Yep. Yeah. Yeah. So what am I paying at the moment? Yep. Sorry. 2,000. Alright then. Yep. Yep. Yep. Yep. Three 100. What was the 300? Yeah. I did write down, but I should because I won't remember when you hang up. Yes, ma'am. Oh, really? Make your book. Okay. Yep. Okay. Give me something to think about. I have Yep. Okay. Yep. Okay. Yep. Those all helps over time, doesn't it? This is over the a year, is it? This one? Yep. Yeah. Okay. Yep. Cool. Yeah. I wanna have a think about it, but yeah. Because it's sort of I'm interested in doing it because, you know but I I do need to think about it. But can you value about that? Yeah. Yeah. What do you recommend? Well, you can't do that. Mhmm. Okay. Yep. Yeah. Yeah. Yeah. Okay. You don't. Yeah. No. This is behind. Yep. Yep. Yep. Mhmm. Yes, sir. Okay. Yep. Okay. Yep. Yep. Okay. Yeah. Yeah. Yeah. Makes sense. Okay then. Think about that's not. Yep. Yep. They're prepared and nothing happens. Yep. That's it. Nope. Yeah. Well, I still have gone now. But except once come back to save money. That's that's what you do. You come back home to save money. Yeah. Yeah. Yep. Yep. Both. Doing both. I'm doing both. Mannington. The floor. Yep. So that's a hard question because it just depends on some weeks. Some weeks, you don't like to do any office work and then some weeks, if it's a bit slower, you catch all up. So it oh, it'd be hard. There's this stuff you have to do. Yeah. Because I have to pay wages, and I do, like, some pay bills sort of stuff. Maybe 40, 60. Yep. Yep. Yeah. Mhmm. The that's okay. The business name is Bunroon. And you need, like, the proprietary name? Or okay. Yep. Yeah. I don't hate that. Yeah. Yeah. Yeah. Yeah. Yeah. We've done it before. I've been changed. We closed one. We had two. We closed one, and all the patient info was supposed to transfer over. And some came over in duplicates, and some didn't come, and some came, but they never even thought. I don't even know how it all happens. Yeah. Yeah. There you go. I've been at that company now eight years. Issue? Eight, eight years. Issue? I do thirty hours. Yeah. That's fine. I can tell you. I just got my email. Is that on gross? Yep. Okay. Just let me find it. Sometimes it's gotta do a payslip. Sometimes it's not. Then it goes to company. It's always one the way I do it first is not the right way. Just bear with me. So coming up that way, I'll just I got it Monday, so I'm gonna just go back to Monday. It might be easier. Nothing simple. So how long you been logged in? Okay. Yeah. Oh, yeah. Yeah. Okay. Yep. Yep. Okay. Yeah. Yeah. I haven't had any problem. I'm an easy client. Oh, I'm telling you, I am put you down. You're horrible. Okay. Growth is a fun yeah. But that's okay. I have no problem with that. Let me find it. Just gonna make it large. So I'll see this. Great. Here we go. 900. Address is done. Yeah. I do. But then, you know, it goes a bit pear shaped. You know, when you you're all fine then. You know? And those needs tires or something. You know? They were fine, and then they're not. And it's one of those budgets. Yeah. Okay. That's right. Yeah. Yeah. Yeah. Yeah. Yeah. Okay. Okay. Okay. We can do that. I'd love to, but I never seem to have anything left in the end. So at the moment, no. By the time you do, you have fun and just not it's like, oh my god. No. Okay. Yes. Yep. Yes. True. Yes. Yep. Okay. Yep. Consider. Yep. Yep. Okay. Yep. Okay. Okay. So you think yeah. Mhmm. Yeah. No. No. No. No. Here here here is on there. So yeah. Yeah. Yeah. Yeah. Well, you know, I won lotto on Saturday, and I won $10.65. You know? Might be a start. Well, I guess, got better because I'm actually buying tickets now. Yeah. Yeah. Yeah. That's what I've I worked out. I thought, oh, I think I'm not winning a lot. I know. Need to buy a ticket. But they sell them some big jackpots, actually. Yeah. Maybe. We're in the jackpot. Yeah. I don't. It's probably worthless now because it's older. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. You know? Yeah. No. It's all paid off. I try. But it's sort of, as I said, like, I have it's where the money sits, like, because I got Rejo coming out this month, and I sort of sit money in there for that, for those surprises. I think it's $12,000. Or do I say 12,000? I meant 1,200. So I just said that and I thought, oh, that's not why I don't want to make no. I don't have that much. Because I was thinking my retro is at least 500, so minus that. No. No. That's not how much I got. Sorry. Oh, I wish you're thinking. Yeah. Yeah. Because I was thinking now I've been putting money away for, like, with just different little bits and pieces that the bills that come up, like, how some months you've got more than others. Yeah. I hear. You know. You know the story. I'm fine. Help you guys. I don't know how people afford that. I don't know how you can afford it. No. Yeah. Oh, what's the part nine? No. Bankruptcy. Three years, maybe? Four years now? Three. Yeah. It was like, I did my time. It's like but it is like a print prison sentence. You do your time. Yeah. Three or four years ago. Yeah. Yes. Yes. I got hospital and extras. Yes. Yep. Done. Yep. No. No. Still got traveling on my list, but at the moment, it's not looking good. Yeah. I actually that's funny. I've only just started probably last few weeks thinking about that part of it. I haven't really sat down and gone through it in my head actually, but it's not that far away now, so I gotta start thinking about it. And I'm also coming up for into your time. I've got long service, so I need to think about it, where I'm going. Because it can't work forever. Well, you can part time or whatever, but you just can't full time. It just that would be just a bit too heavy, don't you? Yeah. Yeah. They keep changing the doll posts, so it couldn't be anything by the time I get there. Yeah. Yes. Yeah. I would yeah. I'd like to do store and help you. I definitely would. Probably in my annual review because I've had I haven't like, I need to get my head around what I'm gonna actually do long term and how long I'm gonna work for. Yeah. And then it said I it just hit me. I just went, oh, I bet I should actually so I have a plan. I was just wandering around aimlessly. Yeah. Yeah. Yeah. It'd be nice to yes. So I'm like, I need to start thinking about what it means, like, down the track to, like, sort of being totally debt free so you can live on your super and your pension. Mhmm. Oh, yeah. Yeah. Okay. Yes. Yep. Yep. No. No. That's okay. Yep. I do know he's thinking he wants to retire. Yeah. He's getting he's getting towards these. That's what I said. We need to chat and see what what where we're gonna go. So that's what really brought it to a head. He said that he's two years old for me. So he will actually retire before me. Yeah. Yep. Yeah. Yep. Mhmm. No. No. No. You mean, do I did I have shares? What's direct shares? Like, this this stock market? I did, but I don't anymore. Because they gave they bought it. I had a buyback program, so I don't have any. Well, I gotta add to it. I can take that. So yeah. I would like to, but, no, I might have to add to it first. What do you suggest? Edit. Yes. Yes. Yep. Oh, no. I wouldn't do that. No. I wouldn't do that. No. I was expecting that. Yeah. Yep. Yeah. Yeah. I've been I've just gone on what what whoever's been looking after advises me to do on those. Because he he they'll say, no. Don't be more do more risks or whatever. So I think whatever I'm in now is because that's what I was advised because one of the experts sent me on this. And so I take your advice on board. I like more. But if, you know, it's been advisable because of what's going on to be safe and fine. Oh, gotcha. You're just wondering that. Yep. Yep. Yep. Yep. Yep. Yep. Yeah. Okay. Well, it's good advice I got there, wasn't it? Yeah. Yeah. Yeah. Yep. Yep. Yep. That doesn't sound right, does it? Yeah. I don't think that came across. Yeah. Yep. Yeah. I'm just gonna have a look for it. It's about I think it's just a month. There were things. I think so. I'll double just think about it for a sec, but Probably about, I think, about 2,800 a month. Oh, okay. Yeah. I see. Thank you. Mhmm. Yep. Yeah. Yeah. I do, actually. Yeah. Okay. Mhmm. Yep. Yep. Yep. Okay. Mhmm. Yep. It is a little bit good sometimes. Yeah. Mhmm. Thank you. Okay. No. That sounds pretty I think so. Oh, if you give me one sec. I just won't be a minute. I'll just just got a question for Thank you. Your life insurance. Sure. We should drop. It's been 3,117 thousand. $2.50. You still there? Yep. You dropped a 100. Oh, I was trying what what do I have to say about my assets and my abilities? No. I think that's it. Yeah. I was struggling to think. We updated my car. No. So I took I don't have any more. So you'll send me all the info anyway so I can go through it. And if and if I say I wanna drop my life insurance, I just email you back? Because you'll send me that stuff. It'll have your email there as well. Yeah. Yep. Yep. Yep. Yep. Yep. Yep. Okay. Yep. That sounds good. Just can you give me another second? Sorry. One eight. Give me another sec. Oh, it's grossed me a 100 times. Again? Yeah. I'm just just just seeing just seeing what my gross wage was. Well, anyway, I can reply to you anyway about that the the insurance anyway, so I don't keep any longer. And I just gotta think about it. Yeah. Yeah. Yep. Okay. Yeah. Yeah. Yeah. Because I I was work when I was doing my friendship, I was working 38, and then I've now dropped to 30. So I take home a little bit there soon before. Yeah. That sounds a bit wrong. Yeah. Yep. Yeah. Yeah. Yeah. Yeah. Yes, please. Mhmm. Yes. I'm happy with that. Yep. Yep. Sounds perfect. Where it was? I'm done. I'm not I'm not running far. That's the problem. I wanna run a bit further. Well, that's I'm doing my best on that one. You too. Yep. Yep. Yeah. Okay. Thank you very much for your help. You too. Thank you. 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speaking. I'm well. Thank you. And you? Yep.\n\nPerfect. Mhmm. Karen Ann Marie Masood. Unit 1611 Toole Drive, Hudram, And 15th 1162. Mhmm.\n\nOkay. That sounds right. Yeah. Yeah. Mhmm.\n\nMhmm. Mhmm. Yep. Yeah. Well yeah.\n\nYeah. No. I don't How much do I have? '25 or something. Yeah.\n\nOkay. Yeah. 06/30. Mhmm. Yep.\n\nYep. I don't even know I don't even know what I'm paying or what I have at the moment, actually, to be quite honest with you. So, like, one of those things that you just take and, you know, don't think about it again. Mhmm. Mhmm.\n\nYeah. Yep. Okay. Oh, yeah. Yep.\n\nYep. Okay. Yep. Mhmm. If if I dropped it, like, what, you know, like, what's sort of we're looking at the fees.\n\nHow how much do you reduce it by if you drop, like, you know, just like, sometimes when you do like, if you take the 300, you sort of drop $10 or something. But then sometimes when you drop it, like, a 150, it's a big drop. You know what I'm saying? Like, how do you work out? Yeah.\n\nYeah. Yeah. Yeah. Yeah. Because I have dropped it over the years.\n\nIt's sort of like like well. Well, I suppose that keeps going up how much everything cost. Doesn't like it. You should be making it go up. Does that make sense?\n\nLike, you know yeah. What what would 300 would 300 make any difference? Yeah. Yeah. It's how I feel at the moment.\n\nYeah. Okay. Yes. Yep. Yep.\n\nYeah. Yeah. So what am I paying at the moment? Yep. Sorry.\n\n2,000. Alright then. Yep. Yep. Yep.\n\nYep. Three 100. What was the 300? Yeah. I did write down, but I should because I won't remember when you hang up.\n\nYes, ma'am. Oh, really? Make your book. Okay. Yep.\n\nOkay. Give me something to think about. I have Yep. Okay. Yep.\n\nOkay. Yep. Those all helps over time, doesn't it? This is over the a year, is it? This one?\n\nYep. Yeah. Okay. Yep. Cool.\n\nYeah. I wanna have a think about it, but yeah. Because it's sort of I'm interested in doing it because, you know but I I do need to think about it. But can you value about that? Yeah.\n\nYeah. What do you recommend? Well, you can't do that. Mhmm. Okay.\n\nYep. Yeah. Yeah. Yeah. Okay.\n\nYou don't. Yeah. No. This is behind. Yep.\n\nYep. Yep. Mhmm. Yes, sir. Okay.\n\nYep. Okay. Yep. Yep. Okay.\n\nYeah. Yeah. Yeah. Makes sense. Okay then.\n\nThink about that's not. Yep. Yep. They're prepared and nothing happens. Yep.\n\nThat's it. Nope. Yeah. Well, I still have gone now. But except once come back to save money.\n\nThat's that's what you do. You come back home to save money. Yeah. Yeah. Yep.\n\nYep. Both. Doing both. I'm doing both. Mannington.\n\nThe floor. Yep. So that's a hard question because it just depends on some weeks. Some weeks, you don't like to do any office work and then some weeks, if it's a bit slower, you catch all up. So it oh, it'd be hard.\n\nThere's this stuff you have to do. Yeah. Because I have to pay wages, and I do, like, some pay bills sort of stuff. Maybe 40, 60. Yep.\n\nYep. Yeah. Mhmm. The that's okay. The business name is Bunroon.\n\nAnd you need, like, the proprietary name? Or okay. Yep. Yeah. I don't hate that.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nWe've done it before. I've been changed. We closed one. We had two. We closed one, and all the patient info was supposed to transfer over.\n\nAnd some came over in duplicates, and some didn't come, and some came, but they never even thought. I don't even know how it all happens. Yeah. Yeah. There you go.\n\nI've been at that company now eight years. Issue? Eight, eight years. Issue? I do thirty hours.\n\nYeah. That's fine. I can tell you. I just got my email. Is that on gross?\n\nYep. Okay. Just let me find it. Sometimes it's gotta do a payslip. Sometimes it's not.\n\nThen it goes to company. It's always one the way I do it first is not the right way. Just bear with me. So coming up that way, I'll just I got it Monday, so I'm gonna just go back to Monday. It might be easier.\n\nNothing simple. So how long you been logged in? Okay. Yeah. Oh, yeah.\n\nYeah. Okay. Yep. Yep. Okay.\n\nYeah. Yeah. I haven't had any problem. I'm an easy client. Oh, I'm telling you, I am put you down.\n\nYou're horrible. Okay. Growth is a fun yeah. But that's okay. I have no problem with that.\n\nLet me find it. Just gonna make it large. So I'll see this. Great. Here we go.\n\n900. Address is done. Yeah. I do. But then, you know, it goes a bit pear shaped.\n\nYou know, when you you're all fine then. You know? And those needs tires or something. You know? They were fine, and then they're not.\n\nAnd it's one of those budgets. Yeah. Okay. That's right. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Okay.\n\nOkay. Okay. We can do that. I'd love to, but I never seem to have anything left in the end. So at the moment, no.\n\nBy the time you do, you have fun and just not it's like, oh my god. No. Okay. Yes. Yep.\n\nYes. True. Yes. Yep. Okay.\n\nYep. Consider. Yep. Yep. Okay.\n\nYep. Okay. Okay. So you think yeah. Mhmm.\n\nYeah. No. No. No. No.\n\nHere here here is on there. So yeah. Yeah. Yeah. Yeah.\n\nWell, you know, I won lotto on Saturday, and I won $10.65. You know? Might be a start. Well, I guess, got better because I'm actually buying tickets now. Yeah.\n\nYeah. Yeah. That's what I've I worked out. I thought, oh, I think I'm not winning a lot. I know.\n\nNeed to buy a ticket. But they sell them some big jackpots, actually. Yeah. Maybe. We're in the jackpot.\n\nYeah. I don't. It's probably worthless now because it's older. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. You know?\n\nYeah. No. It's all paid off. I try. But it's sort of, as I said, like, I have it's where the money sits, like, because I got Rejo coming out this month, and I sort of sit money in there for that, for those surprises.\n\nI think it's $12,000. Or do I say 12,000? I meant 1,200. So I just said that and I thought, oh, that's not why I don't want to make no. I don't have that much.\n\nBecause I was thinking my retro is at least 500, so minus that. No. No. That's not how much I got. Sorry.\n\nOh, I wish you're thinking. Yeah. Yeah. Because I was thinking now I've been putting money away for, like, with just different little bits and pieces that the bills that come up, like, how some months you've got more than others. Yeah.\n\nI hear. You know. You know the story. I'm fine. Help you guys.\n\nI don't know how people afford that. I don't know how you can afford it. No. Yeah. Oh, what's the part nine?\n\nNo. Bankruptcy. Three years, maybe? Four years now? Three.\n\nYeah. It was like, I did my time. It's like but it is like a print prison sentence. You do your time. Yeah.\n\nThree or four years ago. Yeah. Yes. Yes. I got hospital and extras.\n\nYes. Yep. Done. Yep. No.\n\nNo. Still got traveling on my list, but at the moment, it's not looking good. Yeah. I actually that's funny. I've only just started probably last few weeks thinking about that part of it.\n\nI haven't really sat down and gone through it in my head actually, but it's not that far away now, so I gotta start thinking about it. And I'm also coming up for into your time. I've got long service, so I need to think about it, where I'm going. Because it can't work forever. Well, you can part time or whatever, but you just can't full time.\n\nIt just that would be just a bit too heavy, don't you? Yeah. Yeah. They keep changing the doll posts, so it couldn't be anything by the time I get there. Yeah.\n\nYes. Yeah. I would yeah. I'd like to do store and help you. I definitely would.\n\nProbably in my annual review because I've had I haven't like, I need to get my head around what I'm gonna actually do long term and how long I'm gonna work for. Yeah. And then it said I it just hit me. I just went, oh, I bet I should actually so I have a plan. I was just wandering around aimlessly.\n\nYeah. Yeah. Yeah. It'd be nice to yes. So I'm like, I need to start thinking about what it means, like, down the track to, like, sort of being totally debt free so you can live on your super and your pension.\n\nMhmm. Oh, yeah. Yeah. Okay. Yes.\n\nYep. Yep. No. No. That's okay.\n\nYep. I do know he's thinking he wants to retire. Yeah. He's getting he's getting towards these. That's what I said.\n\nWe need to chat and see what what where we're gonna go. So that's what really brought it to a head. He said that he's two years old for me. So he will actually retire before me. Yeah.\n\nYep. Yeah. Yep. Mhmm. No.\n\nNo. No. You mean, do I did I have shares? What's direct shares? Like, this this stock market?\n\nI did, but I don't anymore. Because they gave they bought it. I had a buyback program, so I don't have any. Well, I gotta add to it. I can take that.\n\nSo yeah. I would like to, but, no, I might have to add to it first. What do you suggest? Edit. Yes.\n\nYes. Yep. Oh, no. I wouldn't do that. No.\n\nI wouldn't do that. No. I was expecting that. Yeah. Yep.\n\nYeah. Yeah. I've been I've just gone on what what whoever's been looking after advises me to do on those. Because he he they'll say, no. Don't be more do more risks or whatever.\n\nSo I think whatever I'm in now is because that's what I was advised because one of the experts sent me on this. And so I take your advice on board. I like more. But if, you know, it's been advisable because of what's going on to be safe and fine. Oh, gotcha.\n\nYou're just wondering that. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yeah. Okay. Well, it's good advice I got there, wasn't it?\n\nYeah. Yeah. Yeah. Yep. Yep.\n\nYep. That doesn't sound right, does it? Yeah. I don't think that came across. Yeah.\n\nYep. Yeah. I'm just gonna have a look for it. It's about I think it's just a month. There were things.\n\nI think so. I'll double just think about it for a sec, but Probably about, I think, about 2,800 a month. Oh, okay. Yeah. I see.\n\nThank you. Mhmm. Yep. Yeah. Yeah.\n\nI do, actually. Yeah. Okay. Mhmm. Yep.\n\nYep. Yep. Okay. Mhmm. Yep.\n\nIt is a little bit good sometimes. Yeah. Mhmm. Thank you. Okay.\n\nNo. That sounds pretty I think so. Oh, if you give me one sec. I just won't be a minute. I'll just just got a question for Thank you.\n\nYour life insurance. Sure. We should drop. It's been 3,117 thousand. $2.50.\n\nYou still there? Yep. You dropped a 100. Oh, I was trying what what do I have to say about my assets and my abilities? No.\n\nI think that's it. Yeah. I was struggling to think. We updated my car. No.\n\nSo I took I don't have any more. So you'll send me all the info anyway so I can go through it. And if and if I say I wanna drop my life insurance, I just email you back? Because you'll send me that stuff. It'll have your email there as well.\n\nYeah. Yep. Yep. Yep. Yep.\n\nYep. Yep. Okay. Yep. That sounds good.\n\nJust can you give me another second? Sorry. One eight. Give me another sec. Oh, it's grossed me a 100 times.\n\nAgain? Yeah. I'm just just just seeing just seeing what my gross wage was. Well, anyway, I can reply to you anyway about that the the insurance anyway, so I don't keep any longer. And I just gotta think about it.\n\nYeah. Yeah. Yep. Okay. Yeah.\n\nYeah. Yeah. Because I I was work when I was doing my friendship, I was working 38, and then I've now dropped to 30. So I take home a little bit there soon before. Yeah.\n\nThat sounds a bit wrong. Yeah. Yep. Yeah. Yeah.\n\nYeah. Yeah. Yes, please. Mhmm. Yes.\n\nI'm happy with that. Yep. Yep. Sounds perfect. Where it was?\n\nI'm done. I'm not I'm not running far. That's the problem. I wanna run a bit further. Well, that's I'm doing my best on that one.\n\nYou too. Yep. Yep. Yeah. Okay.\n\nThank you very much for your help. You too. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"I'm speaking.","start":0.0,"end":1.22,"sentiment":"neutral","sentiment_score":0.04791536182165146},{"text":"I'm well.","start":5.04,"end":5.52,"sentiment":"positive","sentiment_score":0.4405438005924225},{"text":"Thank you.","start":5.52,"end":5.92,"sentiment":"positive","sentiment_score":0.6066730618476868},{"text":"And you?","start":5.92,"end":6.58,"sentiment":"neutral","sentiment_score":0.29727989435195923},{"text":"Yep.","start":12.48,"end":12.98,"sentiment":"neutral","sentiment_score":0.28748515248298645}],"sentiment":"positive","sentiment_score":0.3413677099678252,"num_words":9,"start":0.0,"end":12.98},{"sentences":[{"text":"Perfect.","start":13.695,"end":14.195,"sentiment":"positive","sentiment_score":0.5798898339271545},{"text":"Mhmm.","start":20.654999,"end":21.154999,"sentiment":"neutral","sentiment_score":0.04082280397415161},{"text":"Karen Ann Marie 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write down, but I should because I won't remember when you hang up.","start":459.645,"end":462.705,"sentiment":"neutral","sentiment_score":-0.017012213512013357}],"sentiment":"neutral","sentiment_score":-0.012150319890402581,"num_words":23,"start":453.11,"end":462.705},{"sentences":[{"text":"Yes, ma'am.","start":472.09998,"end":485.0,"sentiment":"neutral","sentiment_score":-0.02543637901544571},{"text":"Oh, really?","start":485.37997,"end":486.03998,"sentiment":"neutral","sentiment_score":-0.15171115472912788},{"text":"Make your 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to chat and see what what where we're gonna go.","start":1735.915,"end":1738.475,"sentiment":"neutral","sentiment_score":-0.12950265718003115},{"text":"So that's what really brought it to a head.","start":1738.475,"end":1740.48,"sentiment":"neutral","sentiment_score":-0.005689783383988672},{"text":"He said that he's two years old for me.","start":1740.48,"end":1742.9,"sentiment":"neutral","sentiment_score":-0.04619062484966384},{"text":"So he will actually retire before 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mean, do I did I have shares?","start":1777.53,"end":1779.39,"sentiment":"neutral","sentiment_score":-0.07118014898151159},{"text":"What's direct shares?","start":1782.765,"end":1783.645,"sentiment":"neutral","sentiment_score":-0.027203648040692013},{"text":"Like, this this stock market?","start":1783.645,"end":1785.505,"sentiment":"neutral","sentiment_score":-0.023420766368508338}],"sentiment":"neutral","sentiment_score":-0.05733309551659557,"num_words":18,"start":1776.81,"end":1785.505},{"sentences":[{"text":"I did, but I don't anymore.","start":1787.885,"end":1789.345,"sentiment":"neutral","sentiment_score":-0.17824574808279672},{"text":"Because they gave they bought it.","start":1790.045,"end":1791.165,"sentiment":"neutral","sentiment_score":-0.08582834526896477},{"text":"I had a buyback program, so I don't have any.","start":1791.165,"end":1793.505,"sentiment":"neutral","sentiment_score":-0.11667942628264427},{"text":"Well, I gotta add to 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no.","start":1891.345,"end":1892.865,"sentiment":"neutral","sentiment_score":-0.13457483053207397},{"text":"Don't be more do more risks or whatever.","start":1892.865,"end":1895.345,"sentiment":"neutral","sentiment_score":-0.292843172326684}],"sentiment":"neutral","sentiment_score":-0.13503965773784063,"num_words":34,"start":1870.4451,"end":1895.345},{"sentences":[{"text":"So I think whatever I'm in now is because that's what I was advised because one of the experts sent me on this.","start":1895.345,"end":1901.5249,"sentiment":"neutral","sentiment_score":-0.04179961525875589},{"text":"And so I take your advice on board.","start":1902.625,"end":1904.725,"sentiment":"neutral","sentiment_score":0.17767790518701077},{"text":"I like more.","start":1930.265,"end":1931.245,"sentiment":"neutral","sentiment_score":0.2825374901294708},{"text":"But if, you know, it's been advisable because of what's going on to be safe and 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it's good advice I got there, wasn't 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doesn't sound right, does it?","start":2043.935,"end":2045.475,"sentiment":"neutral","sentiment_score":-0.18709084888299307},{"text":"Yeah.","start":2048.74,"end":2049.24,"sentiment":"neutral","sentiment_score":-0.09443001449108124},{"text":"I don't think that came across.","start":2049.38,"end":2050.84,"sentiment":"neutral","sentiment_score":-0.14897011717160544},{"text":"Yeah.","start":2056.82,"end":2057.32,"sentiment":"neutral","sentiment_score":-0.025259247049689293}],"sentiment":"neutral","sentiment_score":-0.14142466926326355,"num_words":15,"start":2027.7,"end":2057.32},{"sentences":[{"text":"Yep.","start":2062.635,"end":2063.135,"sentiment":"neutral","sentiment_score":-0.024470198899507523},{"text":"Yeah.","start":2065.675,"end":2065.835,"sentiment":"neutral","sentiment_score":0.013394560664892197},{"text":"I'm just gonna have a look for it.","start":2065.835,"end":2067.7751,"sentiment":"neutral","sentiment_score":0.02665957296267152},{"text":"It's about I think it's just a 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is a little bit good sometimes.","start":2205.7048,"end":2207.4849,"sentiment":"positive","sentiment_score":0.5201621736798968},{"text":"Yeah.","start":2209.7048,"end":2210.2048,"sentiment":"positive","sentiment_score":0.3388257622718811},{"text":"Mhmm.","start":2222.47,"end":2222.97,"sentiment":"neutral","sentiment_score":0.1449524462223053},{"text":"Thank you.","start":2223.03,"end":2223.77,"sentiment":"positive","sentiment_score":0.4485415667295456},{"text":"Okay.","start":2235.465,"end":2235.965,"sentiment":"neutral","sentiment_score":0.13150647282600403}],"sentiment":"positive","sentiment_score":0.42945858587821323,"num_words":12,"start":2205.7048,"end":2235.965},{"sentences":[{"text":"No.","start":2256.385,"end":2256.625,"sentiment":"neutral","sentiment_score":-0.04066652059555054},{"text":"That sounds pretty I think so.","start":2256.625,"end":2258.5452,"sentiment":"neutral","sentiment_score":-0.020599397520224254},{"text":"Oh, if you give me one 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thousand.","start":2273.21,"end":2277.7952,"sentiment":"neutral","sentiment_score":0.03869682736694813},{"text":"$2.50.","start":2287.5352,"end":2288.2751,"sentiment":"neutral","sentiment_score":0.05665714666247368}],"sentiment":"neutral","sentiment_score":0.09198914250979821,"num_words":12,"start":2264.8901,"end":2288.2751},{"sentences":[{"text":"You still there?","start":2326.2249,"end":2327.025,"sentiment":"neutral","sentiment_score":0.17128819227218628},{"text":"Yep.","start":2327.025,"end":2327.525,"sentiment":"neutral","sentiment_score":0.10816185921430588},{"text":"You dropped a 100.","start":2328.145,"end":2329.285,"sentiment":"neutral","sentiment_score":-0.019469550345093012},{"text":"Oh, I was trying what what do I have to say about my assets and my 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car.","start":2337.665,"end":2339.045,"sentiment":"neutral","sentiment_score":-0.0905385110527277},{"text":"No.","start":2342.3,"end":2342.62,"sentiment":"neutral","sentiment_score":-0.13789546489715576}],"sentiment":"neutral","sentiment_score":-0.12508359998464585,"num_words":15,"start":2333.025,"end":2342.62},{"sentences":[{"text":"So I took I don't have any more.","start":2342.62,"end":2344.24,"sentiment":"neutral","sentiment_score":-0.13861071784049273},{"text":"So you'll send me all the info anyway so I can go through it.","start":2352.285,"end":2355.1648,"sentiment":"neutral","sentiment_score":0.17476926956857955},{"text":"And if and if I say I wanna drop my life insurance, I just email you back?","start":2355.1648,"end":2360.305,"sentiment":"neutral","sentiment_score":0.053944634383215624},{"text":"Because you'll send me that stuff.","start":2361.405,"end":2362.765,"sentiment":"neutral","sentiment_score":0.1280543121198813},{"text":"It'll have your email there as well.","start":2362.765,"end":2365.1848,"sentiment":"neutral","sentiment_score":0.11254513263702393}],"sentiment":"neutral","sentiment_score":0.07329008878710178,"num_words":52,"start":2342.62,"end":2365.1848},{"sentences":[{"text":"Yeah.","start":2384.2952,"end":2384.7952,"sentiment":"neutral","sentiment_score":0.023599987849593163},{"text":"Yep.","start":2384.935,"end":2385.435,"sentiment":"neutral","sentiment_score":0.023847486823797222},{"text":"Yep.","start":2389.815,"end":2389.975,"sentiment":"neutral","sentiment_score":0.01991850696504116},{"text":"Yep.","start":2389.975,"end":2390.475,"sentiment":"neutral","sentiment_score":0.025345247238874435},{"text":"Yep.","start":2391.325,"end":2391.575,"sentiment":"neutral","sentiment_score":0.010091297328472136}],"sentiment":"neutral","sentiment_score":0.020560505241155623,"num_words":5,"start":2384.2952,"end":2391.575},{"sentences":[{"text":"Yep.","start":2391.575,"end":2391.825,"sentiment":"neutral","sentiment_score":0.06004263088107109},{"text":"Yep.","start":2391.825,"end":2392.325,"sentiment":"neutral","sentiment_score":0.08322808146476746},{"text":"Okay.","start":2418.325,"end":2418.825,"sentiment":"neutral","sentiment_score":0.20818184316158295},{"text":"Yep.","start":2418.885,"end":2419.17,"sentiment":"neutral","sentiment_score":0.2725900411605835},{"text":"That sounds good.","start":2419.3298,"end":2420.8699,"sentiment":"positive","sentiment_score":0.45908915003140766}],"sentiment":"neutral","sentiment_score":0.2859014352517469,"num_words":7,"start":2391.575,"end":2420.8699},{"sentences":[{"text":"Just can you give me another second?","start":2430.77,"end":2432.6099,"sentiment":"neutral","sentiment_score":0.000013698025473526546},{"text":"Sorry.","start":2432.6099,"end":2433.1099,"sentiment":"neutral","sentiment_score":-0.05210910364985466},{"text":"One eight.","start":2437.3652,"end":2438.1052,"sentiment":"neutral","sentiment_score":0.026922203600406647},{"text":"Give me another sec.","start":2442.5652,"end":2443.625,"sentiment":"neutral","sentiment_score":-0.016346683260053396},{"text":"Oh, it's grossed me a 100 times.","start":2446.0852,"end":2448.0251,"sentiment":"negative","sentiment_score":-0.5342143859182086}],"sentiment":"neutral","sentiment_score":-0.18109791641611428,"num_words":21,"start":2430.77,"end":2448.0251},{"sentences":[{"text":"Again?","start":2474.19,"end":2474.69,"sentiment":"neutral","sentiment_score":-0.22916880249977112},{"text":"Yeah.","start":2477.23,"end":2477.55,"sentiment":"neutral","sentiment_score":-0.04321214556694031},{"text":"I'm just just just seeing just seeing what my gross wage was.","start":2477.55,"end":2482.93,"sentiment":"neutral","sentiment_score":-0.05879715488602718},{"text":"Well, anyway, I can reply to you anyway about that the the insurance anyway, so I don't keep any longer.","start":2490.595,"end":2496.615,"sentiment":"neutral","sentiment_score":-0.10679467935115099},{"text":"And I just gotta think about it.","start":2497.555,"end":2499.395,"sentiment":"neutral","sentiment_score":-0.07721026401434626}],"sentiment":"neutral","sentiment_score":-0.08912956687371905,"num_words":41,"start":2474.19,"end":2499.395},{"sentences":[{"text":"Yeah.","start":2499.395,"end":2499.81,"sentiment":"neutral","sentiment_score":-0.047413188964128494},{"text":"Yeah.","start":2502.85,"end":2503.35,"sentiment":"neutral","sentiment_score":-0.0005041901022195816},{"text":"Yep.","start":2509.4102,"end":2509.81,"sentiment":"neutral","sentiment_score":0.002010653493925929},{"text":"Okay.","start":2509.81,"end":2510.31,"sentiment":"neutral","sentiment_score":0.03303273767232895},{"text":"Yeah.","start":2510.45,"end":2510.61,"sentiment":"neutral","sentiment_score":0.03165717050433159}],"sentiment":"neutral","sentiment_score":0.003756636520847678,"num_words":5,"start":2499.395,"end":2510.61},{"sentences":[{"text":"Yeah.","start":2510.61,"end":2511.11,"sentiment":"neutral","sentiment_score":0.02967389114201069},{"text":"Yeah.","start":2521.435,"end":2521.915,"sentiment":"neutral","sentiment_score":0.014791504479944706},{"text":"Because I I was work when I was doing my friendship, I was working 38, and then I've now dropped to 30.","start":2521.915,"end":2527.615,"sentiment":"neutral","sentiment_score":-0.0368478935719891},{"text":"So I take home a little bit there soon before.","start":2527.98,"end":2531.2,"sentiment":"neutral","sentiment_score":0.013365373760461808},{"text":"Yeah.","start":2546.2751,"end":2546.435,"sentiment":"neutral","sentiment_score":-0.03490415960550308}],"sentiment":"neutral","sentiment_score":-0.01906967671321971,"num_words":35,"start":2510.61,"end":2546.435},{"sentences":[{"text":"That sounds a bit wrong.","start":2546.435,"end":2547.475,"sentiment":"neutral","sentiment_score":-0.1607673943042755},{"text":"Yeah.","start":2547.475,"end":2547.975,"sentiment":"neutral","sentiment_score":-0.009181862697005272},{"text":"Yep.","start":2548.7551,"end":2549.2551,"sentiment":"neutral","sentiment_score":0.13535772264003754},{"text":"Yeah.","start":2556.6501,"end":2556.81,"sentiment":"neutral","sentiment_score":0.07303586602210999},{"text":"Yeah.","start":2556.81,"end":2557.31,"sentiment":"neutral","sentiment_score":0.10512778162956238}],"sentiment":"neutral","sentiment_score":-0.05549971821407477,"num_words":9,"start":2546.435,"end":2557.31},{"sentences":[{"text":"Yeah.","start":2557.37,"end":2557.61,"sentiment":"neutral","sentiment_score":0.12639516592025757},{"text":"Yeah.","start":2557.61,"end":2558.11,"sentiment":"neutral","sentiment_score":0.15605640411376953},{"text":"Yes, please.","start":2565.85,"end":2566.75,"sentiment":"neutral","sentiment_score":0.1696026772260666},{"text":"Mhmm.","start":2571.925,"end":2572.425,"sentiment":"neutral","sentiment_score":0.006095176562666893},{"text":"Yes.","start":2573.6848,"end":2574.165,"sentiment":"neutral","sentiment_score":0.001161731081083417}],"sentiment":"neutral","sentiment_score":0.10481897202165176,"num_words":6,"start":2557.37,"end":2574.165},{"sentences":[{"text":"I'm happy with that.","start":2574.165,"end":2575.4648,"sentiment":"neutral","sentiment_score":0.27058107033371925},{"text":"Yep.","start":2578.005,"end":2578.2449,"sentiment":"neutral","sentiment_score":0.15671473741531372},{"text":"Yep.","start":2578.2449,"end":2578.7449,"sentiment":"neutral","sentiment_score":0.12264573574066162},{"text":"Sounds perfect.","start":2582.645,"end":2583.385,"sentiment":"positive","sentiment_score":0.5980812609195709},{"text":"Where it was?","start":2585.33,"end":2586.05,"sentiment":"neutral","sentiment_score":-0.054252887765566506}],"sentiment":"neutral","sentiment_score":0.21773532845757224,"num_words":11,"start":2574.165,"end":2586.05},{"sentences":[{"text":"I'm done.","start":2586.05,"end":2586.71,"sentiment":"neutral","sentiment_score":-0.02976965345442295},{"text":"I'm not I'm not running far.","start":2595.57,"end":2597.1702,"sentiment":"negative","sentiment_score":-0.4684458076953888},{"text":"That's the problem.","start":2597.1702,"end":2598.07,"sentiment":"negative","sentiment_score":-0.40518338481585187},{"text":"I wanna run a bit further.","start":2600.365,"end":2601.7449,"sentiment":"neutral","sentiment_score":-0.15304230277736983},{"text":"Well, that's I'm doing my best on that one.","start":2607.6448,"end":2610.065,"sentiment":"neutral","sentiment_score":0.19245218568378025}],"sentiment":"neutral","sentiment_score":-0.1258441712707281,"num_words":26,"start":2586.05,"end":2610.065},{"sentences":[{"text":"You too.","start":2615.24,"end":2615.98,"sentiment":"neutral","sentiment_score":0.04621130786836147},{"text":"Yep.","start":2616.8398,"end":2617.3398,"sentiment":"neutral","sentiment_score":0.07605206966400146},{"text":"Yep.","start":2620.92,"end":2621.42,"sentiment":"neutral","sentiment_score":0.03991590067744255},{"text":"Yeah.","start":2625.2288,"end":2625.629,"sentiment":"neutral","sentiment_score":0.060051579028368},{"text":"Okay.","start":2625.629,"end":2626.129,"sentiment":"positive","sentiment_score":0.37988823652267456}],"sentiment":"neutral","sentiment_score":0.10805506693820159,"num_words":6,"start":2615.24,"end":2626.129},{"sentences":[{"text":"Thank you very much for your help.","start":2626.5088,"end":2627.9688,"sentiment":"positive","sentiment_score":0.7753911018371582},{"text":"You too.","start":2631.0688,"end":2631.5488,"sentiment":"positive","sentiment_score":0.518809050321579},{"text":"Thank you.","start":2631.5488,"end":2632.2888,"sentiment":"positive","sentiment_score":0.6512299180030823},{"text":"Bye.","start":2632.429,"end":2632.929,"sentiment":"positive","sentiment_score":0.44618499279022217}],"sentiment":"positive","sentiment_score":0.684500053524971,"num_words":12,"start":2626.5088,"end":2632.929}]}}]}],"paragraphs":{"transcript":"\nChannel 1: I'm speaking.\n\nChannel 0: Good afternoon, Karen. It's Carl calling from Financial. How are you today?\n\nChannel 1: I'm well. Thank you. And you?\n\nChannel 0: Yeah. Not too bad at all. Thanks for asking. I've got you scheduled in for an interview. Catch up.\n\nIs now still a good time for you?\n\nChannel 1: Yep. Perfect.\n\nChannel 0: Perfect. Just to get started on that one, Karen, if I could pass you through security, just that name, date of birth, and current address, if you don't mind.\n\nChannel 1: Mhmm. Karen Ann Marie Masood. Unit 1611 Toole Drive, Hudram, And 15th 1162.\n\nChannel 0: Perfect. Perfect. Thanks for that on there, Karen. Now as I said, I do have you booked in for your annual review there. Now in regards to that one there, so we're just gonna go through, confirm a few details, and then\n\nChannel 1: Mhmm.\n\nChannel 0: just run through a quick risk profile much like the the previous years that you have completed. They have done it a little bit differently this time. So following the call, they're just gonna send out an annual review pack for you just\n\nChannel 1: Okay.\n\nChannel 0: to to send out the reports for you to review. At the moment, you're currently a no fee client just based on your your balance. I believe you sort of remember that from, like, when you did your, yeah, your updated advice piece. I believe you took out some money while you had your Netwealth account and then moved to to Hub in 2024. Is that correct?\n\nChannel 1: That sounds right. Yeah.\n\nChannel 0: Yeah. Just because we haven't spoken previously. Obviously, I was just trying to get my head\n\nChannel 1: Yeah.\n\nChannel 0: around it a little bit. When you move in funds and, yeah, the the bit of the backstory, you've been around for quite a while as a client. So just trying to to get a bit of a feel for it, so fine. So from there, we'll just do\n\nChannel 1: Mhmm.\n\nChannel 0: a quick review, see how you feel about things.\n\nChannel 1: Mhmm.\n\nChannel 0: At the moment, just because of, like, obviously, taking the money out previously, your balance still has a quite a a a low compared to, like, obviously, what it was when you came on board from taking the funds out. That's not to say that your performance wasn't too great. Being in that diversified sort of balanced portfolio there, it still\n\nChannel 1: Mhmm.\n\nChannel 0: did 7.81% after fees, which is really quite a nice return for a\n\nChannel 1: Yep.\n\nChannel 0: standardized balance growth portfolio. So will that that is traveling quite nicely. It took a little bit of a dip with what's occurring at the moment\n\nChannel 1: Yeah.\n\nChannel 0: given\n\nChannel 1: Well\n\nChannel 0: the current\n\nChannel 1: yeah.\n\nChannel 0: circumstances.\n\nChannel 1: Yeah.\n\nChannel 0: So probably not the best time to take out sort of money if you were sort of thinking about it at the moment. I'd\n\nChannel 1: No.\n\nChannel 0: probably give it\n\nChannel 1: I\n\nChannel 0: a little bit of\n\nChannel 1: don't\n\nChannel 0: a chance. Oh,\n\nChannel 1: How\n\nChannel 0: yeah.\n\nChannel 1: much\n\nChannel 0: So\n\nChannel 1: do I have?\n\nChannel 0: $39,863. So it's gone up a bit from when you went into I believe when it went into Hub,\n\nChannel 1: '25\n\nChannel 0: it\n\nChannel 1: or something.\n\nChannel 0: yeah. I think yeah. Originally, the first rollover was twenty two five,\n\nChannel 1: Yeah.\n\nChannel 0: so '20\n\nChannel 1: Okay.\n\nChannel 0: 2000. Yeah. So\n\nChannel 1: Yeah.\n\nChannel 0: then\n\nChannel 1: 06/30.\n\nChannel 0: and that was back in, yeah, July 2024, I believe.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: So not too bad of a return at the moment. It was over the the 40 there for a second until, obviously, did it come. So not fantastic then saying that you're still able to pay for that insurance policy you currently still have there as well. And\n\nChannel 1: Yep.\n\nChannel 0: in terms of that, you're still comfortable with that life cover policy and how much you pay\n\nChannel 1: I\n\nChannel 0: for\n\nChannel 1: don't\n\nChannel 0: that at\n\nChannel 1: even\n\nChannel 0: the moment?\n\nChannel 1: know I don't even know what I'm paying or what I have at the moment, actually, to be quite honest with you.\n\nChannel 0: Okay. Yeah.\n\nChannel 1: So,\n\nChannel 0: So\n\nChannel 1: like,\n\nChannel 0: the\n\nChannel 1: one\n\nChannel 0: the\n\nChannel 1: of those\n\nChannel 0: youth\n\nChannel 1: things that you just take and, you know, don't think about it again.\n\nChannel 0: yeah. So at the moment, the policy yearly premium is around the 3,300 mark. After the 15% rebate, it is $2,838.95 as a yearly premium. And then with that, the sum insured for $311,717 at the moment of\n\nChannel 1: Mhmm.\n\nChannel 0: life cover. Just in the event that anything did happen, that's what does pay out.\n\nChannel 1: Mhmm.\n\nChannel 0: Now, obviously, as you get older, it gets more expensive.\n\nChannel 1: Yeah.\n\nChannel 0: You you are sort of, you know, a few years off there potentially, like, looking at settling entitlements, things like that as well.\n\nChannel 1: Yep.\n\nChannel 0: So there is the option potentially,\n\nChannel 1: Okay.\n\nChannel 0: like, given your lower balance as well just for going insurance cover. Obviously, you do lose that risk mitigation there, and I'd have to double check when this policy expires as well, like policies.\n\nChannel 1: Oh, yeah.\n\nChannel 0: I believe it should be still quite a number of years, but I'd have to double check. I don't have it up in front of me at the\n\nChannel 1: Yep.\n\nChannel 0: the\n\nChannel 1: Yep.\n\nChannel 0: moment.\n\nChannel 1: Okay.\n\nChannel 0: But, yeah, there's certain age that do expire as well. And I'll just see if it's got around the COC as well. Alright. It wouldn't expire for quite some time. So it would expire in 2062, so it's still some time in regards\n\nChannel 1: Yep.\n\nChannel 0: to that With that so in regards to insurance cover and sort of the price you pay and your current balance there at the moment, they can know you're currently working as a hairdresser and still contributing\n\nChannel 1: Mhmm.\n\nChannel 0: to it. Are you happy maintaining that for now? Is that something you wanna potentially\n\nChannel 1: If\n\nChannel 0: ever think about?\n\nChannel 1: if I dropped it, like, what, you know, like, what's sort of we're looking at the fees. How how much do you reduce it by if you drop, like, you know, just like, sometimes when you do like, if you take the 300, you sort of drop $10 or something. But then sometimes when you drop it, like, a 150, it's a big drop. You know what I'm saying? Like,\n\nChannel 0: In\n\nChannel 1: how\n\nChannel 0: terms\n\nChannel 1: do you\n\nChannel 0: of\n\nChannel 1: work\n\nChannel 0: just reducing\n\nChannel 1: out?\n\nChannel 0: the the cover amount\n\nChannel 1: Yeah.\n\nChannel 0: versus?\n\nChannel 1: Yeah. Yeah. Yeah. Yeah.\n\nChannel 0: I'll have a quick look and see what it might look like\n\nChannel 1: Because\n\nChannel 0: there. So,\n\nChannel 1: I have dropped it over the years. It's sort of like\n\nChannel 0: yeah,\n\nChannel 1: like well.\n\nChannel 0: just this and is there a sort of amount in mind you're potentially thinking about in terms of\n\nChannel 1: Well, I suppose that keeps going up how much everything cost. Doesn't like it. You should\n\nChannel 0: yep.\n\nChannel 1: be making it go up. Does that make sense? Like, you know\n\nChannel 0: No. Yeah.\n\nChannel 1: yeah. What\n\nChannel 0: You\n\nChannel 1: what\n\nChannel 0: are.\n\nChannel 1: would 300 would 300 make any difference?\n\nChannel 0: Let me just bear with me. So I'm just logging in to to Neos\n\nChannel 1: Yeah.\n\nChannel 0: to do some in force quoting to to show you what that might look like. It's being a bit slow.\n\nChannel 1: Yeah. It's how\n\nChannel 0: It's\n\nChannel 1: I\n\nChannel 0: ready?\n\nChannel 1: feel at the moment.\n\nChannel 0: Yeah. It's ready to knock off for the day.\n\nChannel 1: Yeah.\n\nChannel 0: So within regards to that, if you just dropped it down to the 300 mark, it brings it obviously, you still get the 15% rebate, but currently, it's around $3,339.94, and that would drop to $3,214.40. Now if you dropped it maybe to because generally in lots of 250,000, under a million\n\nChannel 1: Okay.\n\nChannel 0: dollars,\n\nChannel 1: Yes.\n\nChannel 0: cover becomes\n\nChannel 1: Yep.\n\nChannel 0: a little\n\nChannel 1: Yep.\n\nChannel 0: bit cheaper. So if you did just, like, 250,000, you would drop it down to $2,678.67, which is a bit more of a significant drop for\n\nChannel 1: Yeah.\n\nChannel 0: the amount. And then after the 15%, I'll just see what that actually comes to, it'd be around $2,276.86 in terms of, like, a a yearly figure, which drops it down a little bit there.\n\nChannel 1: Yeah. So what am I paying at the moment?\n\nChannel 0: At the moment there I'll just bring\n\nChannel 1: Yep.\n\nChannel 0: that back up.\n\nChannel 1: Sorry.\n\nChannel 0: It's yeah. No. It's fine. $2,838.95. So about\n\nChannel 1: 2,000.\n\nChannel 0: eight\n\nChannel 1: Alright\n\nChannel 0: $100\n\nChannel 1: then.\n\nChannel 0: and\n\nChannel 1: Yep.\n\nChannel 0: yeah. $2,838 and 95\n\nChannel 1: Yep.\n\nChannel 0: cents. And then if you dropped it down\n\nChannel 1: Yep.\n\nChannel 0: to the 2\n\nChannel 1: Yep.\n\nChannel 0: 50\n\nChannel 1: Three\n\nChannel 0: after\n\nChannel 1: 100. What was the 300?\n\nChannel 0: The 300. Let me just bring that\n\nChannel 1: Yeah.\n\nChannel 0: one\n\nChannel 1: I did\n\nChannel 0: up as\n\nChannel 1: write\n\nChannel 0: well.\n\nChannel 1: down, but I should because I won't remember when you hang up.\n\nChannel 0: No. That's fine. Yep. So I'll just get that after. So I just have to do\n\nChannel 1: Yes,\n\nChannel 0: the the rebate there as well. It's annoying with the the quoting that they don't actually include the the rebated amount.\n\nChannel 1: ma'am.\n\nChannel 0: It's only on the certificate of\n\nChannel 1: Oh,\n\nChannel 0: currencies.\n\nChannel 1: really?\n\nChannel 0: Yeah. It's just it's weird like that. Bear with me.\n\nChannel 1: Make your book.\n\nChannel 0: Yeah. So after the rebate for the 300, it'd be $2,732.24.\n\nChannel 1: Okay. Yep. Okay. Give me something to think about. I have Yep.\n\nOkay.\n\nChannel 0: Yep. And then if you dropped it down to the $2.50 mark, it would drop it after the rebate down to $2,276.86.\n\nChannel 1: Yep. Okay. Yep. Those all helps over time, doesn't it? This is over the a year, is it?\n\nThis one?\n\nChannel 0: Yeah. And, obviously, each\n\nChannel 1: Yep.\n\nChannel 0: year, it does creep up again as well, and you do have\n\nChannel 1: Yeah.\n\nChannel 0: a CPO on on that\n\nChannel 1: Okay.\n\nChannel 0: as well. So it does, like, increase a little bit\n\nChannel 1: Yep.\n\nChannel 0: each year. Is that something that you\n\nChannel 1: Cool.\n\nChannel 0: wanna address following this? Are you happy just to have a think about it and just shoot us an email\n\nChannel 1: Yeah.\n\nChannel 0: or\n\nChannel 1: I wanna\n\nChannel 0: give us\n\nChannel 1: have a think\n\nChannel 0: a\n\nChannel 1: about\n\nChannel 0: call?\n\nChannel 1: it, but yeah. Because it's sort of I'm interested in doing it because, you know but I I do need to think about\n\nChannel 0: Yep.\n\nChannel 1: it. But\n\nChannel 0: Not\n\nChannel 1: can you\n\nChannel 0: a problem\n\nChannel 1: value about\n\nChannel 0: at all.\n\nChannel 1: that?\n\nChannel 0: Yep. You obviously, yeah, if you're happy managing it yet yourself and just reaching out when you want to address it, that's more than fine.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Obviously\n\nChannel 1: What do\n\nChannel 0: yeah.\n\nChannel 1: you recommend? Well, you can't do that.\n\nChannel 0: So I can just sort of just generally speaking. So in regards to, like, debts, you don't actually have but unless you sort of obviously haven't updated your assets and liabilities, you don't have, like, really any outstanding debts in terms of, like, if anything was to to happen to you in terms of covering\n\nChannel 1: Mhmm.\n\nChannel 0: it for your partner. Obviously, you know, Andre might wanna take some time off work to to grieve and things like that as well. So that's what a life insurance policy could do.\n\nChannel 1: Okay.\n\nChannel 0: Because,\n\nChannel 1: Yep.\n\nChannel 0: generally, like, life insurance, it's meant to cover, you know, outstanding debts, a little bit of bereavement, funeral costs, things like that to be\n\nChannel 1: Yeah.\n\nChannel 0: out\n\nChannel 1: Yeah.\n\nChannel 0: of sorta.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: When you're looking, like, TPD and compensation, they're a little bit different. Like, yes, when you're still around and trying to cover for things, whereas life's just, like, generally,\n\nChannel 1: You\n\nChannel 0: you just\n\nChannel 1: don't.\n\nChannel 0: wanna, like, clear clear some yeah. It doesn't affect\n\nChannel 1: Yeah.\n\nChannel 0: you so much as it more affects the\n\nChannel 1: No.\n\nChannel 0: person.\n\nChannel 1: This is behind. Yep.\n\nChannel 0: Yeah. Person behind and sort of how they're willing to able to, you know, cover expenses based on their income and things like that as well. So,\n\nChannel 1: Yep.\n\nChannel 0: you know, Andre wasn't based on his income able to to cover, like, his rent and things like that. If you are gone, you may wanna still look at, you know, providing that until sort of he was able to, you know, apply for pensions, things like that, or if he's able to, you know, draw\n\nChannel 1: Yep.\n\nChannel 0: down his occupation, superannuation to be able to cover expenses, things like that as well. You might not need as much cover.\n\nChannel 1: Mhmm. Yes,\n\nChannel 0: So,\n\nChannel 1: sir.\n\nChannel 0: yeah,\n\nChannel 1: Okay.\n\nChannel 0: less\n\nChannel 1: Yep.\n\nChannel 0: of,\n\nChannel 1: Okay.\n\nChannel 0: like, it the effect on you and more so the effect on partner that's left behind,\n\nChannel 1: Yep. Yep.\n\nChannel 0: you know,\n\nChannel 1: Okay.\n\nChannel 0: even with your your current super balance, even though it is that low balance, rather than the 40,000 there, Mark. Obviously, it does take a little bit to, you know, get released and things like that, but that's more\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: than enough\n\nChannel 1: Yeah.\n\nChannel 0: money\n\nChannel 1: Makes\n\nChannel 0: to\n\nChannel 1: sense.\n\nChannel 0: to pay for a nice funeral and a bit of a wake at the end of the day as well if something was to happen and then probably a little bit left over for Andre, worst case scenario, if you're no longer around.\n\nChannel 1: Okay\n\nChannel 0: It's just something\n\nChannel 1: then.\n\nChannel 0: to to think about. I know\n\nChannel 1: Think\n\nChannel 0: it's a little\n\nChannel 1: about\n\nChannel 0: bit morbid, but, yeah, it's\n\nChannel 1: that's\n\nChannel 0: just one of\n\nChannel 1: not.\n\nChannel 0: those things, unfortunately. Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Prepare for the the unexpected.\n\nChannel 1: Yep. They're prepared and nothing happens.\n\nChannel 0: Exactly. That's that's it. I'll just go through and confirm a few details there for you as well, Karen. So email's to Karen.Masood@Gmail.com.\n\nChannel 1: Yep. That's it.\n\nChannel 0: Perfect. Address hasn't changed. Still just the the two dependents even though, you know, the children are a little bit older.\n\nChannel 1: Nope. Yeah. Well, I still have gone now.\n\nChannel 0: Yep. Not really carrying that. That's fine.\n\nChannel 1: But except once come back to save money.\n\nChannel 0: Oh, one came back.\n\nChannel 1: That's that's what you do. You come back home to save money.\n\nChannel 0: Yeah. Especially with the cost of living at the moment. It's not getting any any cheaper. And I know at the moment you were finalizing your partnership. Have you managed to finish that at the moment?\n\nChannel 1: Yeah. Yeah. Yep.\n\nChannel 0: Yep. And are you because I know you were doing some sort of managing as well. Are you still doing the manager,\n\nChannel 1: Yep.\n\nChannel 0: or are you just like, you're cutting hair in addition\n\nChannel 1: Both.\n\nChannel 0: to that as\n\nChannel 1: Doing\n\nChannel 0: well?\n\nChannel 1: both. I'm doing both. Mannington.\n\nChannel 0: Yep.\n\nChannel 1: The floor.\n\nChannel 0: Yep. Managing the floor and and hair. That's perfect.\n\nChannel 1: Yep.\n\nChannel 0: And how much do you reckon sort of office space versus, like, on the the floor doing, like, the haircuts and things like that?\n\nChannel 1: So that's a hard question because it just depends on some weeks. Some weeks, you don't like to do any office work and then some weeks, if it's a bit slower, you catch all up. So it oh, it'd be hard. There's this\n\nChannel 0: On\n\nChannel 1: stuff\n\nChannel 0: average,\n\nChannel 1: you have\n\nChannel 0: maybe\n\nChannel 1: to do. Yeah. Because\n\nChannel 0: yeah.\n\nChannel 1: I have to pay wages, and I do, like, some pay bills sort of stuff.\n\nChannel 0: Maybe around 30% office workers, like, if you broke it down between the time you spent doing that\n\nChannel 1: Maybe\n\nChannel 0: sort\n\nChannel 1: 40,\n\nChannel 0: of\n\nChannel 1: 60.\n\nChannel 0: forty, sixty. And as far as, like, qualifications at the moment, so you probably got, like, some sort of certificate in hairdressing, but do you have any\n\nChannel 1: Yep.\n\nChannel 0: other applicable qualifications at the moment? That's fine. And we don't have your employee name. I know this is, like, all a bit little bit random,\n\nChannel 1: Yep.\n\nChannel 0: so\n\nChannel 1: Yeah.\n\nChannel 0: they have updated their system. Some of the so I'm just\n\nChannel 1: Mhmm.\n\nChannel 0: trying to get the most full picture with the updated workbooks.\n\nChannel 1: The\n\nChannel 0: I apologize. Yeah. Some\n\nChannel 1: that's\n\nChannel 0: of\n\nChannel 1: okay.\n\nChannel 0: these.\n\nChannel 1: The business name is Bunroon. And you need, like, the proprietary name? Or\n\nChannel 0: No. That as far as I\n\nChannel 1: okay.\n\nChannel 0: say, it's a lot of\n\nChannel 1: Yep.\n\nChannel 0: just general information that is just like with the the new updated workbook. A lot of it didn't pull across. So I'm just, and we haven't spoken\n\nChannel 1: Yeah. I don't\n\nChannel 0: previously.\n\nChannel 1: hate that.\n\nChannel 0: Yeah. So I just wanna make sure that everything is up to date. Unfortunately, that is quite painful,\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: and\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: you feel\n\nChannel 1: Yeah. We've done it before. I've been changed. We closed\n\nChannel 0: yep.\n\nChannel 1: one. We had two. We closed one, and all the patient info was supposed to transfer over. And some came over in duplicates, and some didn't come, and some came, but they never even thought.\n\nChannel 0: We\n\nChannel 1: I don't\n\nChannel 0: we're\n\nChannel 1: even know\n\nChannel 0: currently,\n\nChannel 1: how it all happens.\n\nChannel 0: yeah, we're currently dealing with that at the moment. So I feel your\n\nChannel 1: Yeah.\n\nChannel 0: pain\n\nChannel 1: Yeah.\n\nChannel 0: trying to get everything back updated. So it's kind of like well, I guess we haven't spoken before, so it's nice in the sense that I get to know a little bit more\n\nChannel 1: There\n\nChannel 0: about\n\nChannel 1: you go.\n\nChannel 0: you. So in addition to, yeah, just making sure that everything's nice and up to date. But in terms of, like, managing the the salon there, how long have you been doing that as a a job now, if you don't mind me asking?\n\nChannel 1: I've been at that company now eight years. Issue? Eight, eight years. Issue?\n\nChannel 0: Yep. And are you considered full time at the moment?\n\nChannel 1: I do thirty hours.\n\nChannel 0: Yep. For permanent part time?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Perfect. And then in regards to annual income, do you know roughly what you're on at the moment?\n\nChannel 1: I can tell you. I just got my email. Is that on gross?\n\nChannel 0: Yeah. Gross is gross is fine.\n\nChannel 1: Yep. Okay. Just let me find it. Sometimes it's gotta do a payslip. Sometimes it's not.\n\nThen it goes to company. It's always one the way I do it first is not the right way.\n\nChannel 0: Yeah. That's fine.\n\nChannel 1: Just bear with me.\n\nChannel 0: Yeah. Take your\n\nChannel 1: So\n\nChannel 0: take\n\nChannel 1: coming\n\nChannel 0: your time.\n\nChannel 1: up that way, I'll just I got it Monday, so I'm gonna just go back to Monday. It might be easier. Nothing simple.\n\nChannel 0: No. No. Never, especially in the afternoon.\n\nChannel 1: So how long you been logged in?\n\nChannel 0: Probably about the eighteen months now.\n\nChannel 1: Okay.\n\nChannel 0: Getting around to a few clients with the way they're they're sort of do things in regards to you know, it was a bit of a flow of terms of, like, people speaking with different advisers. I think they're doing a\n\nChannel 1: Yeah.\n\nChannel 0: bit more of a a group system now where you're more likely to get the the same adviser\n\nChannel 1: Oh, yeah. Yeah.\n\nChannel 0: moving\n\nChannel 1: Okay.\n\nChannel 0: forward. So we'll see we'll see how that works out. And if you're you're talking to me for the next sort of twelve,\n\nChannel 1: Yep. Yep.\n\nChannel 0: twenty\n\nChannel 1: Okay.\n\nChannel 0: four months, yeah, in saying that the team is pretty helpful here anyway if you do get one\n\nChannel 1: Yeah.\n\nChannel 0: of us\n\nChannel 1: Yeah.\n\nChannel 0: all together.\n\nChannel 1: I haven't had any problem.\n\nChannel 0: Perfect. It's good to hear.\n\nChannel 1: I'm an easy\n\nChannel 0: That's that's\n\nChannel 1: client.\n\nChannel 0: what I like to hear.\n\nChannel 1: Oh, I'm telling you, I am put you down. You're horrible. Okay. Growth\n\nChannel 0: Might have\n\nChannel 1: is\n\nChannel 0: a different opinion.\n\nChannel 1: a fun\n\nChannel 0: Right?\n\nChannel 1: yeah. But that's okay. I have no problem with that.\n\nChannel 0: Okay.\n\nChannel 1: Let me find it. Just gonna make it large. So I'll see this. Great. Here we go.\n\n900. Address is done.\n\nChannel 0: Yep. And as far as, like, a budget, are you doing a budget at the moment in terms of, like, what you're trying to save per week versus what your expenditures are at the moment?\n\nChannel 1: Yeah. I do. But then, you know, it goes a bit pear shaped.\n\nChannel 0: Okay.\n\nChannel 1: You know, when you you're all fine then. You know? And those needs tires or something. You know? They were fine, and then they're not.\n\nAnd it's one of those budgets.\n\nChannel 0: Yep. Okay. Not a problem. And did you want a copy of, like, OQ's budget planner to be able to sort of track those bills and things like that a little bit better?\n\nChannel 1: Yeah. Okay. That's right.\n\nChannel 0: You don't actually have to return it if you're sort of happy just utilizing it. It just helps\n\nChannel 1: Yeah.\n\nChannel 0: in terms of, like, you can just chuck in all your bills that you expect for the year,\n\nChannel 1: Yeah.\n\nChannel 0: and\n\nChannel 1: Yeah.\n\nChannel 0: it\n\nChannel 1: Yeah.\n\nChannel 0: just gives you a bit more of a breakdown. You're able to track it a\n\nChannel 1: Yeah.\n\nChannel 0: little\n\nChannel 1: Okay.\n\nChannel 0: bit better\n\nChannel 1: Okay.\n\nChannel 0: for that. And then yeah.\n\nChannel 1: Okay. We can do that.\n\nChannel 0: Perfect. I'll get that emailed off to you there. And then in regards to contributions, are you planning on doing any other contributions to superannuation at the moment apart from, like, your your salary\n\nChannel 1: I'd love\n\nChannel 0: contribution?\n\nChannel 1: to, but I never seem to have anything left in the end.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: No. Completely\n\nChannel 1: at\n\nChannel 0: understandable.\n\nChannel 1: the moment, no. By the time you do, you have fun and just not it's like, oh my god.\n\nChannel 0: Yeah. Because, like, generally, if your balance is, like, a little bit high, you can look at, like, transition to retirement type studies that can benefit, like, in drawing down some of your super and recontributing. But based on your your tax bracket, it probably wouldn't be the most beneficial\n\nChannel 1: No.\n\nChannel 0: at the moment, Not unless you sort of got up into that, you know, up to, you know, 45 and above maybe, and then it might start showing some benefits. But\n\nChannel 1: Okay.\n\nChannel 0: apart from that, it might just end up being a bit more in administration cost than what it would sort of benefit\n\nChannel 1: Yes.\n\nChannel 0: you in terms of that. Because\n\nChannel 1: Yep.\n\nChannel 0: with that, you obviously get taxed less going into to superannuation and sort\n\nChannel 1: Yes.\n\nChannel 0: of trying to\n\nChannel 1: True.\n\nChannel 0: draw down a little bit as well. But with the the lower amounts drawing, you're not gonna sort of save too much on tax given you're in a lower tax bracket anyway.\n\nChannel 1: Yes. Yep.\n\nChannel 0: It's once you sort of look at going above that, because at the moment, you're only getting charged around sort of 16% for, like, you know, every dollar that you're you're making, whereas superannuation's 15 at the moment. So when you start getting\n\nChannel 1: Okay.\n\nChannel 0: dollars over the 45,000 mark,\n\nChannel 1: Yep.\n\nChannel 0: that's when you sort of you know, you're on that\n\nChannel 1: Consider.\n\nChannel 0: 30% tax bracket that you might look\n\nChannel 1: Yep.\n\nChannel 0: at\n\nChannel 1: Yep.\n\nChannel 0: doing those sort of strategies to where,\n\nChannel 1: Okay.\n\nChannel 0: you know, contributing to superannuation brings you back down, and then you're paying that 15%, not the 30. And then you\n\nChannel 1: Yep.\n\nChannel 0: can draw down a little bit of a superannuation tax free given that you're over the age of 60\n\nChannel 1: Okay.\n\nChannel 0: now.\n\nChannel 1: Okay. So you think yeah.\n\nChannel 0: Yeah. So that's\n\nChannel 1: Mhmm.\n\nChannel 0: the sort of way to do it. So you're not actually losing money in that sense. So even though at the moment,\n\nChannel 1: Yeah.\n\nChannel 0: you don't feel like you got money to spare, it doesn't actually matter in\n\nChannel 1: No.\n\nChannel 0: that\n\nChannel 1: No.\n\nChannel 0: sense\n\nChannel 1: No. No. Here\n\nChannel 0: that\n\nChannel 1: here\n\nChannel 0: yeah.\n\nChannel 1: here is on there. So\n\nChannel 0: But given that, you know, depending on, you know, how things going, if you draw down your super things like that, given you're not too far off, maybe applying for settling entitlements and things like that as well, It might not come into play, but, you know, depending on\n\nChannel 1: yeah.\n\nChannel 0: how things go\n\nChannel 1: Yeah.\n\nChannel 0: as\n\nChannel 1: Yeah.\n\nChannel 0: well.\n\nChannel 1: Yeah. Well, you know, I\n\nChannel 0: Yeah.\n\nChannel 1: won lotto\n\nChannel 0: So\n\nChannel 1: on Saturday, and I won $10.65. You know? Might\n\nChannel 0: we'll\n\nChannel 1: be a\n\nChannel 0: there\n\nChannel 1: start.\n\nChannel 0: you go. So maybe maybe next month, you might be in the the million dollar one.\n\nChannel 1: Well,\n\nChannel 0: So\n\nChannel 1: I guess, got better because I'm actually buying tickets now.\n\nChannel 0: you gotta be in it to win it as they say.\n\nChannel 1: Yeah. Yeah. Yeah. That's what I've I worked out. I thought, oh, I think I'm not winning a lot.\n\nI know. Need to buy a ticket.\n\nChannel 0: Yeah. There's a there's a few people that have a certificate going around the office as well to just\n\nChannel 1: But\n\nChannel 0: to try and, you know, like you said, in it to win.\n\nChannel 1: they sell them some big jackpots, actually.\n\nChannel 0: Yeah. It tends to be like that. I'm not too sure if it's more people being in Australia and the\n\nChannel 1: Yeah.\n\nChannel 0: cost of living.\n\nChannel 1: Maybe.\n\nChannel 0: Everyone wants to win it big.\n\nChannel 1: We're in the jackpot.\n\nChannel 0: Yeah. Exactly. In terms of the your assets and liabilities there, I know you had the car was around the 18 mark that you nearly had paid off. Have you managed to pay that off now?\n\nChannel 1: Yeah. I don't.\n\nChannel 0: Probably.\n\nChannel 1: It's probably\n\nChannel 0: And as\n\nChannel 1: worthless\n\nChannel 0: far\n\nChannel 1: now\n\nChannel 0: yeah.\n\nChannel 1: because it's\n\nChannel 0: I\n\nChannel 1: older.\n\nChannel 0: mean, I\n\nChannel 1: Yeah.\n\nChannel 0: yeah. A little bit, you know, a day older, a a a dollar less,\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: but,\n\nChannel 1: Yeah.\n\nChannel 0: yeah,\n\nChannel 1: Yeah.\n\nChannel 0: some things say it's\n\nChannel 1: Yeah. You\n\nChannel 0: like\n\nChannel 1: know?\n\nChannel 0: a fine one, so you never know.\n\nChannel 1: Yeah. No. It's all paid off.\n\nChannel 0: Brilliant. And as far as, like, a savings account there, Karen, do you have a little bit, like, of a rainy day fund at the moment?\n\nChannel 1: I try.\n\nChannel 0: Yep.\n\nChannel 1: But it's sort of, as I said, like, I have it's where the money sits, like, because I got Rejo coming out this month, and I sort of sit money in there for that, for those surprises.\n\nChannel 0: Yep. And do you know roughly how much you got sort of sitting in there at the moment?\n\nChannel 1: I think it's $12,000.\n\nChannel 0: Just check that there. And as far as any other assets and liabilities that we're not really aware of, is there anything else that we're not too sure of?\n\nChannel 1: Or do I say 12,000? I meant 1,200. So\n\nChannel 0: Yeah.\n\nChannel 1: I\n\nChannel 0: No.\n\nChannel 1: just said\n\nChannel 0: That's\n\nChannel 1: that\n\nChannel 0: fine.\n\nChannel 1: and I thought, oh, that's not why I don't want to make no. I don't have that much. Because I was thinking my retro is at least 500, so minus that. No. No.\n\nThat's not how much I got. Sorry.\n\nChannel 0: Okay. No. That's that's perfectly\n\nChannel 1: Oh, I\n\nChannel 0: fine.\n\nChannel 1: wish you're thinking.\n\nChannel 0: Yeah. You never know. We're we're still holding out on that lottery.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Because I was thinking now I've been putting money away for, like, with just different little bits and pieces that the bills that come up, like, how some months you've got more than others.\n\nChannel 0: Yeah. And then, you know, sometimes, you know, the the subscriptions get a little out of hand. You gotta cut back on Netflix for a few months and things like that as well.\n\nChannel 1: Yeah. I hear. You know. You know the story.\n\nChannel 0: Exactly. And in terms of your health, Karen, for the past twelve months, no unexpected hospital trips. So that your health's been\n\nChannel 1: I'm\n\nChannel 0: largely well?\n\nChannel 1: fine. Help you\n\nChannel 0: Right.\n\nChannel 1: guys.\n\nChannel 0: And currently nonsmoker? Not planning on\n\nChannel 1: I\n\nChannel 0: taking\n\nChannel 1: don't know how\n\nChannel 0: it\n\nChannel 1: people\n\nChannel 0: up any time\n\nChannel 1: afford\n\nChannel 0: soon?\n\nChannel 1: that. I don't know how you can\n\nChannel 0: Yeah.\n\nChannel 1: afford it. No.\n\nChannel 0: Exactly. So you've answered these questions previously as well, but you haven't declared bankruptcy or part nine debt agreement, have you?\n\nChannel 1: Yeah.\n\nChannel 0: Okay. Was that bankruptcy\n\nChannel 1: Oh,\n\nChannel 0: or part nine?\n\nChannel 1: what's the part nine?\n\nChannel 0: So part nine is like a payment plan sort of agreement. Where\n\nChannel 1: No.\n\nChannel 0: is bankruptcy?\n\nChannel 1: Bankruptcy.\n\nChannel 0: Not that it matters a whole heap, but do you remember sort of what year that might be?\n\nChannel 1: Three years, maybe? Four years now? Three.\n\nChannel 0: Four years ago?\n\nChannel 1: Yeah. It was like, I did my time. It's like but it is like a print prison sentence.\n\nChannel 0: Oh,\n\nChannel 1: You\n\nChannel 0: so\n\nChannel 1: do your\n\nChannel 0: it's\n\nChannel 1: time.\n\nChannel 0: like it ended four years ago, and it\n\nChannel 1: Yeah.\n\nChannel 0: was, like\n\nChannel 1: Three or four years ago. Yeah.\n\nChannel 0: yeah. Perfect. Just make a note of that. Not that it matters a whole heap unless you're sort of going for things like property purchase and things\n\nChannel 1: Yes.\n\nChannel 0: like that as well unless that's on the the cards for the next few months. And then as far as private health there, Karen, have you got private health insurance?\n\nChannel 1: Yes. I got hospital and extras.\n\nChannel 0: Right. And then as far as the will is concerned, have you and Andre gotten around\n\nChannel 1: Yes.\n\nChannel 0: to\n\nChannel 1: Yep. Done.\n\nChannel 0: perfect and do you have a power of attorney in place with that one?\n\nChannel 1: Yep.\n\nChannel 0: Right. And then these ones are a little bit random there, but you're not a tax resident for any other country at the moment, are you?\n\nChannel 1: No.\n\nChannel 0: Perfect. And this is a bit of more of a random one. You're not politically exposed, though. You don't have any sort of friends and family and politics or yourself? And as far as goals are concerned there, Karen, I know your main sort of goal was to finish your apprenticeship and then maybe do a little bit\n\nChannel 1: No.\n\nChannel 0: of traveling.\n\nChannel 1: Still\n\nChannel 0: Is that\n\nChannel 1: got\n\nChannel 0: sort\n\nChannel 1: traveling\n\nChannel 0: of\n\nChannel 1: on my list, but at the moment, it's not looking good.\n\nChannel 0: yeah. Okay. There it is. And then is in terms of, like, other goals, like, in with your retirement as well and thinking about that,\n\nChannel 1: Yeah. I actually that's funny. I've only just started probably last few weeks thinking about that part of it. I haven't really sat down and gone through it in my head actually, but it's not that far away now, so I gotta start thinking about it. And I'm also coming up for into your time.\n\nI've got long service, so I\n\nChannel 0: Yep.\n\nChannel 1: need to think about it, where I'm going. Because it can't work forever.\n\nChannel 0: Yeah. Yeah. Exactly. And so, hopefully,\n\nChannel 1: Well,\n\nChannel 0: there's\n\nChannel 1: you\n\nChannel 0: some\n\nChannel 1: can\n\nChannel 0: few\n\nChannel 1: part\n\nChannel 0: things here.\n\nChannel 1: time or whatever, but you just can't full time. It just that would be just a bit too heavy, don't you?\n\nChannel 0: Yeah. Yeah. No. You're exactly right there. Obviously, yeah, when it comes down to Centrelink and your Centrelink entitlements and things like that, those are all things we can look at at that sort of age of 67, things like that as well.\n\nChannel 1: Yeah. Yeah. They keep changing the doll posts, so it couldn't be anything by the time I get there.\n\nChannel 0: A little bit, but in saying\n\nChannel 1: Yeah.\n\nChannel 0: that hopefully a lot of it that is grandfathered. So at least hopefully for you, it's it's more than capable there as well. And have you had a thought about because, obviously, you know, with the the superannuation being a little bit lower in that as well, is the main goal, like, just at the moment just to build up a bit more of a savings and\n\nChannel 1: Yes.\n\nChannel 0: then sort of maybe think about, like, the super side of things and maybe trying to bolster it up just a little bit\n\nChannel 1: Yeah.\n\nChannel 0: as\n\nChannel 1: I\n\nChannel 0: well?\n\nChannel 1: would yeah. I'd like to do store and help you. I definitely would.\n\nChannel 0: Yep. And is that something you wanna sort of revisit in maybe six months, or is that something, you know, in, like, your next interview you might wanna start thinking about a little bit more? Or\n\nChannel 1: Probably in my annual review because I've had I haven't like, I need to get my head around what I'm gonna actually do long term and\n\nChannel 0: Yep.\n\nChannel 1: how long I'm gonna work for. Yeah. And then it said I it just hit me. I just went, oh, I bet I should actually so I have a plan.\n\nChannel 0: Yep.\n\nChannel 1: I\n\nChannel 0: Yeah. And, obviously,\n\nChannel 1: was just wandering\n\nChannel 0: we can\n\nChannel 1: around aimlessly.\n\nChannel 0: yeah. And sometimes you don't you, like, don't even wanna end up where you sorta are. You might wanna be somewhere else, you know, closer to\n\nChannel 1: Yeah.\n\nChannel 0: family, things like that as well.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Yeah.\n\nChannel 0: those are all sort of things to\n\nChannel 1: It'd\n\nChannel 0: to think\n\nChannel 1: be\n\nChannel 0: about\n\nChannel 1: nice\n\nChannel 0: as well.\n\nChannel 1: to yes. So I'm like, I need to start thinking about what it means, like, down the track to, like, sort of being totally debt free so you can live on your super and your pension.\n\nChannel 0: Well. Yeah. Yeah. So those are all sort of things that we can have a look at, you know,\n\nChannel 1: Mhmm.\n\nChannel 0: given that, you know, you obviously do have your partner there as well. We can sort of look at, you know, in the next sort of couple of years doing, like, maybe a joint advice piece as well\n\nChannel 1: Oh,\n\nChannel 0: to sort\n\nChannel 1: yeah.\n\nChannel 0: of\n\nChannel 1: Yeah.\n\nChannel 0: encompass\n\nChannel 1: Okay. Yes. Yep.\n\nChannel 0: both of them and what that sorta looks like in terms of that.\n\nChannel 1: Yep.\n\nChannel 0: And, yeah, and then having a bit of a discussion around what you're you're trying to achieve. Obviously, I can't go into too much detail about Andre's.\n\nChannel 1: No. No. That's okay.\n\nChannel 0: Yeah. But, yeah, in saying that we can have a bit more of a discussion around what you're you're both trying to achieve then,\n\nChannel 1: Yep.\n\nChannel 0: get going.\n\nChannel 1: I do know he's thinking he wants to retire.\n\nChannel 0: He's thinking about it at the moment sort of thing and\n\nChannel 1: Yeah. He's getting he's getting towards these. That's what I said. We need to chat and see what what where we're gonna go. So that's what really brought it to a head.\n\nHe said that he's two years old for me.\n\nChannel 0: yeah.\n\nChannel 1: So he will\n\nChannel 0: Yeah.\n\nChannel 1: actually retire before me.\n\nChannel 0: Yeah. So that's all sort of things we need to sort of\n\nChannel 1: Yeah.\n\nChannel 0: have a a discussion around and things like\n\nChannel 1: Yep.\n\nChannel 0: that as well. Perfect. And within regards to risk profile, quickly run through that and just make sure\n\nChannel 1: Yeah.\n\nChannel 0: that's\n\nChannel 1: Yep.\n\nChannel 0: all up to date.\n\nChannel 1: Mhmm.\n\nChannel 0: But I have here previously that you have direct invest in direct shares. Is that correct?\n\nChannel 1: No.\n\nChannel 0: What was that? Sorry. I cut out just a little bit.\n\nChannel 1: No. No. You mean, do I did I have shares?\n\nChannel 0: Yeah. Have you, like, invested in direct shares previously?\n\nChannel 1: What's direct shares? Like, this\n\nChannel 0: Like, just\n\nChannel 1: this stock\n\nChannel 0: holding,\n\nChannel 1: market?\n\nChannel 0: like, companies, yeah, like, stocks. You know?\n\nChannel 1: I did, but I don't anymore.\n\nChannel 0: Yep.\n\nChannel 1: Because\n\nChannel 0: Okay.\n\nChannel 1: they gave\n\nChannel 0: Not a\n\nChannel 1: they\n\nChannel 0: problem.\n\nChannel 1: bought it. I had a buyback program, so I don't have any.\n\nChannel 0: Okay. Yep. And then in terms of your superannuation, there's a good chance that you might wanna sorta access some of it in the next sort of two or three years?\n\nChannel 1: Well, I gotta add to it. I can take that. So\n\nChannel 0: Yeah.\n\nChannel 1: yeah. I\n\nChannel 0: So\n\nChannel 1: would like to, but, no, I might have to add to it first.\n\nChannel 0: yeah. Not a problem. And then, obviously, with inflation and cost of living and things like that going up, would you still consider yourself a bit more of a moderate to risk taker in regards to being able to take on a bit more risk to outpace inflation and get more of a return while you are still working?\n\nChannel 1: What do you suggest?\n\nChannel 0: Well, as in terms of, like, if you just put it all in cash, you you know, you're probably getting just the, you know, the standard maybe a little bit more if you do, like, term deposits and bonds and things like that. But the inflation rate kinda eats away that in terms\n\nChannel 1: Edit.\n\nChannel 0: of, like, the\n\nChannel 1: Yes.\n\nChannel 0: inflation\n\nChannel 1: Yes.\n\nChannel 0: rate can get quite high. So\n\nChannel 1: Yep.\n\nChannel 0: if you were to pull it all sort of out now, you sort of miss out on the opportunity for\n\nChannel 1: Oh, no. I wouldn't\n\nChannel 0: some\n\nChannel 1: do\n\nChannel 0: growth.\n\nChannel 1: that.\n\nChannel 0: Yeah.\n\nChannel 1: No. I wouldn't\n\nChannel 0: That's\n\nChannel 1: do that.\n\nChannel 0: fine.\n\nChannel 1: No.\n\nChannel 0: And given everything that is happening at the moment, obviously, you know, you see we did take a little bit of a a dive there just to\n\nChannel 1: I\n\nChannel 0: what's\n\nChannel 1: was\n\nChannel 0: happening\n\nChannel 1: expecting\n\nChannel 0: with the wars\n\nChannel 1: that.\n\nChannel 0: in Ukraine.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Not to say it's a huge amount by any means. You still made quite a nice return over a twelve month period, but it could have been a\n\nChannel 1: Yep.\n\nChannel 0: lot better given\n\nChannel 1: Yeah.\n\nChannel 0: if\n\nChannel 1: Yeah.\n\nChannel 0: anything did happen. When things like that do occur and if it was to, like, drop by significant sort of amounts, would you still just hold and wait for it to improve, or would you sort of be a bit worried, looked at moving to more secure assets, or are you still, you know,\n\nChannel 1: I've been\n\nChannel 0: willing?\n\nChannel 1: I've just gone on what what whoever's been looking after advises me to do on those.\n\nChannel 0: Yeah. No.\n\nChannel 1: Because\n\nChannel 0: Understandable.\n\nChannel 1: he he they'll say, no. Don't be more do more risks or whatever. So I think whatever I'm in now is because that's what I was advised because one of the experts sent me on this.\n\nChannel 0: Yeah. No. Completely\n\nChannel 1: And so I\n\nChannel 0: understandable.\n\nChannel 1: take your advice on board.\n\nChannel 0: Yep. Perfect. And then as far as, like, a return that you aimed here, you'd be happy to get obviously, you know, you got the higher end of things with that that 8% this year. But, like, is it if you were getting sort of, you know, four to 6% in that bit more of a like, it's still somewhat growth, but defensive a little bit there as well, would you be comfortable if you were still getting, like, four or 6% per annum?\n\nChannel 1: I like more.\n\nChannel 0: Yeah. Obviously, big is always better. So that's fine.\n\nChannel 1: But if, you know, it's been advisable because of what's going on to be safe and fine.\n\nChannel 0: Yep. Not a problem at all. And then in regards to borrowed money, like, obviously, circumstances were different, would you ever borrow money to invest in certain things like property and things like that if you were to have a house if circumstances were different?\n\nChannel 1: Oh, gotcha.\n\nChannel 0: Yeah.\n\nChannel 1: You're just\n\nChannel 0: Not\n\nChannel 1: wondering\n\nChannel 0: a problem\n\nChannel 1: that.\n\nChannel 0: at all. Yeah. No. Understandable there as well. That still does bring you to a bit more of a a moderate investor.\n\nNow within regards to what you currently hold you in that Vanguard portfolio just due to\n\nChannel 1: Yep.\n\nChannel 0: the\n\nChannel 1: Yep.\n\nChannel 0: cost of your lower balance, so\n\nChannel 1: Yep.\n\nChannel 0: that's in that oh, bear with me. The diversified balance sort of growth portfolio there as well. And it is still getting that nice return at at the moment in terms of what you you invested in, what the return you are getting. Slightly\n\nChannel 1: Yep.\n\nChannel 0: more defensive in the sense that you do sort of probably have around the 40% in defensive assets, around the 60% of the growth assets. But that's also probably why you have sort of not taken a significant dive compared to some of those growth and high growth portfolios\n\nChannel 1: Yep.\n\nChannel 0: given that you do have some of that more defensive. They've gone backwards quite a bit, whereas\n\nChannel 1: Yep.\n\nChannel 0: your portfolio has held up quite nicely in terms of, like, what\n\nChannel 1: Yeah.\n\nChannel 0: has occurred\n\nChannel 1: Okay.\n\nChannel 0: in their current markets. Now\n\nChannel 1: Well, it's\n\nChannel 0: are\n\nChannel 1: good\n\nChannel 0: you\n\nChannel 1: advice\n\nChannel 0: still,\n\nChannel 1: I got there, wasn't it?\n\nChannel 0: yeah. Are you still happy with your your current portfolio at the moment and what you're currently invested\n\nChannel 1: Yeah.\n\nChannel 0: in?\n\nChannel 1: Yeah. Yeah. Yep. Yep.\n\nChannel 0: Yeah. Obviously, at year, we sort of still review it as well in terms\n\nChannel 1: Yep.\n\nChannel 0: of that and and what happened is happening. One thing I forgot to mention there as well, I had here on your that you were renting somewhat $200 per month. Is that still\n\nChannel 1: That doesn't\n\nChannel 0: the\n\nChannel 1: sound\n\nChannel 0: same?\n\nChannel 1: right, does it?\n\nChannel 0: Yeah. No. It's a bit odd. In terms\n\nChannel 1: Yeah.\n\nChannel 0: of\n\nChannel 1: I don't\n\nChannel 0: that\n\nChannel 1: think\n\nChannel 0: one?\n\nChannel 1: that came across.\n\nChannel 0: No. It might be some old data because as I said, there's a you've been on board for quite some time, so I was pulling from\n\nChannel 1: Yeah.\n\nChannel 0: a bunch of workbooks. That current residence here, are you renting that one at the moment, or is that\n\nChannel 1: Yep.\n\nChannel 0: do you know roughly what's the\n\nChannel 1: Yeah. I'm\n\nChannel 0: the\n\nChannel 1: just gonna have a look for it. It's about I think it's just a month. There were\n\nChannel 0: That's fine.\n\nChannel 1: things.\n\nChannel 0: And I don't think I mentioned it either, but apart from the car and the savings, do you have any other assets or liabilities that I didn't mention there at the moment there, Karen?\n\nChannel 1: I think so. I'll double just think about it for a sec, but Probably about, I think, about 2,800 a month.\n\nChannel 0: Yeah. No problem. I'll just get that updated then. Now in terms of, like, what we can do at the moment, Karen, given that your portfolio is tracking quite well and you don't wanna address your insurances just yet, We can look to leave things alone, Pranadi. I'm happy leaving the fees off just giving your current balance at the moment.\n\nObviously, when we sort of look to maybe update your advice and do some joint advice, they might wanna chuck the fee on. At the moment, there's a coupling fee, so it's 1.1 if your spouse\n\nChannel 1: Oh,\n\nChannel 0: is on\n\nChannel 1: okay.\n\nChannel 0: board.\n\nChannel 1: Yeah. I see.\n\nChannel 0: Yes. So with that, I'm happy to leave it off at the moment just while we're not\n\nChannel 1: Thank\n\nChannel 0: looking\n\nChannel 1: you.\n\nChannel 0: at updating anything. And then should, you know, six to twelve months, we look at doing, like, maybe an advice piece, they might wanna put\n\nChannel 1: Mhmm.\n\nChannel 0: the the feedback on, but we'll\n\nChannel 1: Yep.\n\nChannel 0: we'll leave it off for now. In terms of, like, what comes next there, obviously, if you wanna address your insurances, that's more than fine and have a think\n\nChannel 1: Yeah.\n\nChannel 0: about that.\n\nChannel 1: Yeah.\n\nChannel 0: I\n\nChannel 1: I\n\nChannel 0: can\n\nChannel 1: do,\n\nChannel 0: even\n\nChannel 1: actually.\n\nChannel 0: send you some some quotes for you\n\nChannel 1: Yeah.\n\nChannel 0: to have\n\nChannel 1: Okay.\n\nChannel 0: a look at.\n\nChannel 1: Mhmm.\n\nChannel 0: With those two quotes, obviously, they'll be before the discounts apply, but I can show you what that $302.50 looks like when I email\n\nChannel 1: Yep.\n\nChannel 0: you through\n\nChannel 1: Yep.\n\nChannel 0: the budget planner as well.\n\nChannel 1: Yep. Okay. Mhmm.\n\nChannel 0: You can have a look at it. At least it gives you the cost difference and how that might change for you\n\nChannel 1: Yep.\n\nChannel 0: to review. And\n\nChannel 1: It\n\nChannel 0: then\n\nChannel 1: is a little bit good sometimes.\n\nChannel 0: yeah. Exactly.\n\nChannel 1: Yeah.\n\nChannel 0: It all adds up at the end of the day. And then from this conversation there as well, they will send out the annual review pack. Obviously, in regards to ongoing service agreement, there won't be one because you're not paying a fee currently.\n\nChannel 1: Mhmm. Thank you.\n\nChannel 0: But they'll show you your twelve month performance. They'll give you certificate of currency, a few other documents as well. I believe they'll also include a TFN opt in form. So where we're storing your tax file number, the form's just updated as well.\n\nChannel 1: Okay.\n\nChannel 0: From there, if they do have any other outstanding documents, they will just reach out. But I believe everything else is largely up to date. I'll just do a double check on your account. Super insurance beneficiary forms are up to date. ID is up to date.\n\nSo I don't believe there's anything else that we need just at this moment. But is there anything else you wanna have a chat about, Karen, while you've got me anything in\n\nChannel 1: No.\n\nChannel 0: relation\n\nChannel 1: That sounds\n\nChannel 0: to\n\nChannel 1: pretty I think so. Oh, if you give me one sec. I just won't be a minute. I'll\n\nChannel 0: yeah.\n\nChannel 1: just\n\nChannel 0: No. That's\n\nChannel 1: just\n\nChannel 0: fine.\n\nChannel 1: got a question for Thank you. Your life insurance. Sure. We should drop. It's been 3,117 thousand.\n\n$2.50.\n\nChannel 0: Yeah. No.\n\nChannel 1: You\n\nChannel 0: That's\n\nChannel 1: still\n\nChannel 0: good.\n\nChannel 1: there? Yep.\n\nChannel 0: Yeah. I see.\n\nChannel 1: You dropped a 100.\n\nChannel 0: Yeah.\n\nChannel 1: Oh, I was trying what what do I have to say about my assets and my abilities? No. I think that's it. Yeah. I was struggling to think.\n\nWe updated my car. No. So I took I don't have any more.\n\nChannel 0: Yep. No. That's fine.\n\nChannel 1: So you'll send me all the info anyway so I can go through it. And if and if I say I wanna drop my life insurance, I just email you back?\n\nChannel 0: Yeah.\n\nChannel 1: Because\n\nChannel 0: I'll\n\nChannel 1: you'll\n\nChannel 0: send\n\nChannel 1: send me that stuff. It'll have your\n\nChannel 0: you\n\nChannel 1: email there as well.\n\nChannel 0: yeah. I'll send you the the quotes with the the budget planner there as well. You can have a review of the 300 and the $2.50. As I said, when you see the quote, it doesn't include the actual rollover max. You do get a little bit of a discount paying through superannuation.\n\nThat doesn't list. So the the amounts will look higher, but you'll get the 15% rebate\n\nChannel 1: Yeah.\n\nChannel 0: based\n\nChannel 1: Yep.\n\nChannel 0: on the yearly totals there. So it will be a little bit less than that as well. So just\n\nChannel 1: Yep. Yep.\n\nChannel 0: be mindful of that\n\nChannel 1: Yep. Yep. Yep.\n\nChannel 0: in regards to what you're actually paying, and then I'll include that budget planner for you guys to just be able to utilize to help sorta, you know, cover those bigger expenses and plan for those a little bit there as well and, you know, leisure activities, things like that. And then if you just respond to that one as well, we'll just get that quote. We'll get it signed. We'll get that sent off to the insurer, and that's as good as dusted for that one. And then we'll just let you know when it goes in force.\n\nChannel 1: Okay. Yep. That sounds good.\n\nChannel 0: Not a problem. But do you have any other questions for me, Karen, while you've got me there today?\n\nChannel 1: Just can you give me another second? Sorry.\n\nChannel 0: Yeah. No. You're perfectly fine. Take your time.\n\nChannel 1: One eight. Give me another sec. Oh, it's grossed me a 100 times. Again?\n\nChannel 0: Yes, sir. He can.\n\nChannel 1: Yeah. I'm just just just seeing just seeing what my gross wage was. Well, anyway, I can reply to you anyway about that the the insurance anyway, so I don't keep any longer. And I just\n\nChannel 0: Yeah.\n\nChannel 1: gotta\n\nChannel 0: It's\n\nChannel 1: think\n\nChannel 0: it's\n\nChannel 1: about it. Yeah.\n\nChannel 0: not not a huge huge problem there anyway.\n\nChannel 1: Yeah.\n\nChannel 0: So once we were to update anything, we might need some more sort of concrete figures and things like that just so it's up to\n\nChannel 1: Yep.\n\nChannel 0: date.\n\nChannel 1: Okay. Yeah. Yeah.\n\nChannel 0: At the moment, I've just got you the take home, that 900, and then I believe it was previously around the 52 mark in terms of, like, what your sort of gross income was\n\nChannel 1: Yeah.\n\nChannel 0: as a total.\n\nChannel 1: Because I I was work when I was doing my friendship, I was working 38, and then I've now dropped to 30. So\n\nChannel 0: Okay. So\n\nChannel 1: I take\n\nChannel 0: my\n\nChannel 1: home a little bit there soon before.\n\nChannel 0: be a little bit yes. No. That's fine. So with that let's have a quick look down 52. So 900 times of 52 is around 46,800.\n\nDoes that sound about sort of right in regards\n\nChannel 1: Yeah.\n\nChannel 0: to\n\nChannel 1: That sounds a bit wrong. Yeah.\n\nChannel 0: yeah. Okay. No problem.\n\nChannel 1: Yep.\n\nChannel 0: I'll just track that down. As I said, it doesn't sort of make a huge difference. So that's just sort of looking at updating things or doing sort of plans and things like\n\nChannel 1: Yeah.\n\nChannel 0: that\n\nChannel 1: Yeah.\n\nChannel 0: as well.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: So that's fine. As far as everything's concerned, if you are happy with everything and sort of get that annual review pack and sign everything,\n\nChannel 1: Yes, please.\n\nChannel 0: there isn't a whole heap that that needs to sort of change that we're concerned about at the moment with how your\n\nChannel 1: Mhmm.\n\nChannel 0: super is tracking. Obviously,\n\nChannel 1: Yes.\n\nChannel 0: you know,\n\nChannel 1: I'm\n\nChannel 0: if anything\n\nChannel 1: happy with\n\nChannel 0: does\n\nChannel 1: that.\n\nChannel 0: change in the future, feel free to to reach out and have a conversation\n\nChannel 1: Yep. Yep.\n\nChannel 0: around anything. But we'll also touch base in, like, another twelve months for that annual review,\n\nChannel 1: Sounds\n\nChannel 0: and you\n\nChannel 1: perfect.\n\nChannel 0: can maybe have a think about, yeah, what you guys are maybe\n\nChannel 1: Where it\n\nChannel 0: trying\n\nChannel 1: was?\n\nChannel 0: to\n\nChannel 1: I'm done.\n\nChannel 0: yeah. And trying to to look to do, so that's more than fine. And if you wanna take all your money and run at the end of the day, that's more than fine as well. We don't hold any.\n\nChannel 1: I'm not I'm not running far. That's the problem.\n\nChannel 0: Yeah.\n\nChannel 1: I\n\nChannel 0: I\n\nChannel 1: wanna\n\nChannel 0: don't\n\nChannel 1: run\n\nChannel 0: know.\n\nChannel 1: a\n\nChannel 0: The\n\nChannel 1: bit\n\nChannel 0: lot\n\nChannel 1: further.\n\nChannel 0: yeah. Understandable. And then, you know, there's always the lotto at the end of the day there as well. So fingers\n\nChannel 1: Well, that's\n\nChannel 0: crossed for\n\nChannel 1: I'm\n\nChannel 0: you.\n\nChannel 1: doing my best on that one.\n\nChannel 0: Yeah. Well, other than that there, Kyle, I'll let you get back to your afternoon. But in saying that,\n\nChannel 1: You\n\nChannel 0: if you\n\nChannel 1: too.\n\nChannel 0: do have any questions once that\n\nChannel 1: Yep.\n\nChannel 0: interview comes through, feel free to give us a call, come back with any question. Otherwise,\n\nChannel 1: Yep.\n\nChannel 0: you respond to that email. And if you wanna look at reducing it, we can get that action for\n\nChannel 1: Yeah.\n\nChannel 0: you as well.\n\nChannel 1: Okay. Thank you very much for your help.\n\nChannel 0: No problem at all, Cam. Well, you enjoy the rest of your night, and thanks. It's been a\n\nChannel 1: You\n\nChannel 0: pleasure.\n\nChannel 1: too. Thank you. Bye.\n\nChannel 0: Cheers. Bye.","paragraphs":[{"sentences":[{"text":"I'm speaking.","start":0.0,"end":1.22,"sentiment":"neutral","sentiment_score":0.04791536182165146}],"sentiment":"neutral","sentiment_score":0.04791536182165146,"channel":1,"num_words":2,"start":0.0,"end":1.22},{"sentences":[{"text":"Good afternoon, Karen.","start":1.68,"end":2.48,"sentiment":"positive","sentiment_score":0.3903646171092987},{"text":"It's Carl calling from Financial.","start":2.48,"end":3.78,"sentiment":"neutral","sentiment_score":0.24873228669166564},{"text":"How are you today?","start":4.0,"end":4.9,"sentiment":"neutral","sentiment_score":0.2899039015173912}],"sentiment":"neutral","sentiment_score":0.2978642409046491,"channel":0,"num_words":12,"start":1.68,"end":4.9},{"sentences":[{"text":"I'm well.","start":5.04,"end":5.52,"sentiment":"positive","sentiment_score":0.4405438005924225},{"text":"Thank you.","start":5.52,"end":5.92,"sentiment":"positive","sentiment_score":0.6066730618476868},{"text":"And you?","start":5.92,"end":6.58,"sentiment":"neutral","sentiment_score":0.29727989435195923}],"sentiment":"positive","sentiment_score":0.44816558559735614,"channel":1,"num_words":6,"start":5.04,"end":6.58},{"sentences":[{"text":"Yeah.","start":6.72,"end":6.96,"sentiment":"neutral","sentiment_score":0.23192350566387177},{"text":"Not too bad at all.","start":6.96,"end":7.7599998,"sentiment":"neutral","sentiment_score":0.2903333634138107},{"text":"Thanks for asking.","start":7.7599998,"end":8.72,"sentiment":"positive","sentiment_score":0.6439900596936544},{"text":"I've got you scheduled in for an interview.","start":8.72,"end":10.639999,"sentiment":"positive","sentiment_score":0.3501366749405861},{"text":"Catch up.","start":10.639999,"end":10.96,"sentiment":"neutral","sentiment_score":0.27402544021606445}],"sentiment":"positive","sentiment_score":0.3665634095668793,"channel":0,"num_words":19,"start":6.72,"end":10.96},{"sentences":[{"text":"Is now still a good time for you?","start":10.96,"end":12.495,"sentiment":"neutral","sentiment_score":0.32542477548122406}],"sentiment":"neutral","sentiment_score":0.32542477548122406,"channel":0,"num_words":8,"start":10.96,"end":12.495},{"sentences":[{"text":"Yep.","start":12.48,"end":12.98,"sentiment":"neutral","sentiment_score":0.28748515248298645},{"text":"Perfect.","start":13.695,"end":14.195,"sentiment":"positive","sentiment_score":0.5798898339271545}],"sentiment":"positive","sentiment_score":0.4336874932050705,"channel":1,"num_words":2,"start":12.48,"end":14.195},{"sentences":[{"text":"Perfect.","start":14.815,"end":15.315,"sentiment":"positive","sentiment_score":0.5377901792526245},{"text":"Just to get started on that one, Karen, if I could pass you through security, just that name, date of birth, and current address, if you don't mind.","start":15.535,"end":20.515,"sentiment":"neutral","sentiment_score":0.264881966901677}],"sentiment":"neutral","sentiment_score":0.2742925949137786,"channel":0,"num_words":29,"start":14.815,"end":20.515},{"sentences":[{"text":"Mhmm.","start":20.654999,"end":21.154999,"sentiment":"neutral","sentiment_score":0.04082280397415161},{"text":"Karen Ann Marie Masood.","start":22.015,"end":23.395,"sentiment":"neutral","sentiment_score":0.03911151085048914},{"text":"Unit 1611 Toole Drive, Hudram, And 15th 1162.","start":24.735,"end":30.48,"sentiment":"neutral","sentiment_score":0.04158773925155401}],"sentiment":"neutral","sentiment_score":0.04076698164527233,"channel":1,"num_words":13,"start":20.654999,"end":30.48},{"sentences":[{"text":"Perfect.","start":30.27,"end":30.77,"sentiment":"positive","sentiment_score":0.5101919174194336},{"text":"Perfect.","start":31.71,"end":31.869999,"sentiment":"positive","sentiment_score":0.6249265670776367},{"text":"Thanks for that on there, Karen.","start":31.869999,"end":33.17,"sentiment":"positive","sentiment_score":0.7210773130257925},{"text":"Now as I said, I do have you booked in for your annual review there.","start":33.31,"end":37.41,"sentiment":"neutral","sentiment_score":0.19412784675757092},{"text":"Now in regards to that one there, so we're just gonna go through, confirm a few details, and then","start":37.47,"end":44.535,"sentiment":"neutral","sentiment_score":0.09050648835928816}],"sentiment":"neutral","sentiment_score":0.24031246054385388,"channel":0,"num_words":42,"start":30.27,"end":44.535},{"sentences":[{"text":"Mhmm.","start":44.465,"end":44.965,"sentiment":"neutral","sentiment_score":0.0321994312107563}],"sentiment":"neutral","sentiment_score":0.0321994312107563,"channel":1,"num_words":1,"start":44.465,"end":44.965},{"sentences":[{"text":"just run through a quick risk profile much like the the previous years that you have 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a","start":2630.825,"end":2631.145,"sentiment":"positive","sentiment_score":0.6853142579396566}],"sentiment":"positive","sentiment_score":0.7218029995759329,"channel":0,"num_words":18,"start":2628.185,"end":2631.145},{"sentences":[{"text":"You","start":2631.0688,"end":2631.3088,"sentiment":"positive","sentiment_score":0.5708253979682922}],"sentiment":"positive","sentiment_score":0.5708253979682922,"channel":1,"num_words":1,"start":2631.0688,"end":2631.3088},{"sentences":[{"text":"pleasure.","start":2631.145,"end":2631.645,"sentiment":"positive","sentiment_score":0.7227904796600342}],"sentiment":"positive","sentiment_score":0.7227904796600342,"channel":0,"num_words":1,"start":2631.145,"end":2631.645},{"sentences":[{"text":"too.","start":2631.3088,"end":2631.5488,"sentiment":"positive","sentiment_score":0.4667927026748657},{"text":"Thank you.","start":2631.5488,"end":2632.2888,"sentiment":"positive","sentiment_score":0.6512299180030823},{"text":"Bye.","start":2632.429,"end":2632.929,"sentiment":"positive","sentiment_score":0.44618499279022217}],"sentiment":"positive","sentiment_score":0.5538593828678131,"channel":1,"num_words":4,"start":2631.3088,"end":2632.929},{"sentences":[{"text":"Cheers.","start":2632.745,"end":2633.245,"sentiment":"positive","sentiment_score":0.6203773021697998},{"text":"Bye.","start":2633.305,"end":2633.805,"sentiment":"neutral","sentiment_score":-0.05248314142227173}],"sentiment":"neutral","sentiment_score":0.28394708037376404,"channel":0,"num_words":2,"start":2632.745,"end":2633.805}]},"summary":{"result":"success","short":"The agent, Carl, schedules Karen's annual interview and confirms her personal information, insurance policy, and employment details. They also discuss the benefits of retirement plans and health issues, including managing finances and risk profiles. The agent suggests reducing cover and rebating policies, and provides quotes for the customer's current portfolio and annual budget planner. They also discuss updating information and providing a quote for the annual review form for life insurance. The speaker provides quotes for the customer's current portfolio and explains the annual review form and monthly budget planner and insurance beneficiary forms."},"intents":{"segments":[{"text":"I've got you scheduled in for an interview. Catch up.","start_word":29,"end_word":38,"intents":[{"intent":"Schedule interview","confidence_score":0.14612132}]},{"text":"Being in that diversified sort of balanced portfolio there, it still Mhmm. did 7.81% after fees, which is really quite a nice return for a Yep.","start_word":376,"end_word":401,"intents":[{"intent":"Discuss portfolio performance","confidence_score":0.036176357}]},{"text":"Just in the event that anything did happen, that's what does pay out. Mhmm.","start_word":699,"end_word":712,"intents":[{"intent":"Ask about insurance cover","confidence_score":0.0008117604}]},{"text":"Obviously, you do lose that risk mitigation there, and I'd have to double check when this policy expires as well, like policies.","start_word":767,"end_word":788,"intents":[{"intent":"Discuss policy expiration","confidence_score":0.02574172}]},{"text":"How how much do you reduce it by if you drop, like, you know, just like, sometimes when you do like, if you take the 300, you sort of drop $10 or something. But then sometimes when you drop it, like, a 150, it's a big drop. You know what I'm saying? Like, In how terms do you of work just reducing out? the the cover amount Yeah.","start_word":942,"end_word":1009,"intents":[{"intent":"Discuss billing terms","confidence_score":0.000010610201}]},{"text":"So within regards to that, if you just dropped it down to the 300 mark, it brings it obviously, you still get the 15% rebate, but currently, it's around $3,339.94, and that would drop to $3,214.40.","start_word":1160,"end_word":1195,"intents":[{"intent":"Calculate rebate amount","confidence_score":0.020272732}]},{"text":"year, it does creep up again as well, and you do have Yeah. a CPO on on that Okay. as well. So it does, like, increase a little bit Yep. each year.","start_word":1504,"end_word":1535,"intents":[{"intent":"Discuss yep","confidence_score":0.11270278}]},{"text":"Is that something that you Cool. wanna address following this? Are you happy just to have a think about it and just shoot us an email Yeah. or I wanna give us have a think a about call? it, but yeah. Because it's sort of I'm interested in doing it because, you know but I I do need to think about Yep. it. But Not can you a problem value about at all. that? Yep.","start_word":1536,"end_word":1610,"intents":[{"intent":"Address your concerns","confidence_score":0.000091114474}]},{"text":"wanna address following this? Are you happy just to have a think about it and just shoot us an email Yeah. or I wanna give us have a think a about call? it, but yeah.","start_word":1542,"end_word":1576,"intents":[{"intent":"Address a request","confidence_score":0.00005653623}]},{"text":"Are you happy just to have a think about it and just shoot us an email Yeah.","start_word":1546,"end_word":1562,"intents":[{"intent":"Send an email","confidence_score":0.0036423241}]},{"text":"you recommend?","start_word":1641,"end_word":1642,"intents":[{"intent":"Recommend rebate","confidence_score":0.04344184}]},{"text":"So in regards to, like, debts, you don't actually have but unless you sort of obviously haven't updated your assets and liabilities, you don't have, like, really any outstanding debts in terms of, like, if anything was to to happen to you in terms of covering Mhmm. it for your partner.","start_word":1658,"end_word":1708,"intents":[{"intent":"Resolve debts","confidence_score":0.0008107464}]},{"text":"Person behind and sort of how they're willing to able to, you know, cover expenses based on their income and things like that as well. So, Yep.","start_word":1829,"end_word":1855,"intents":[{"intent":"Cover expenses","confidence_score":0.14701523}]},{"text":"I'll just go through and confirm a few details there for you as well, Karen. So email's to Karen.Masood@Gmail.com. Yep.","start_word":2103,"end_word":2122,"intents":[{"intent":"Confirm details","confidence_score":0.43412992}]},{"text":"Address hasn't changed. Still just the the two dependents even though, you know, the children are a little bit older. Nope.","start_word":2126,"end_word":2146,"intents":[{"intent":"Confirm address","confidence_score":0.40820408},{"intent":"Confirm address","confidence_score":0.3116358},{"intent":"Confirm address","confidence_score":0.30944628},{"intent":"Confirm address","confidence_score":0.3076528},{"intent":"Confirm address","confidence_score":0.30134612}]},{"text":"And I know at the moment you were finalizing your partnership. Have you managed to finish that at the moment?","start_word":2201,"end_word":2220,"intents":[{"intent":"Finalize partnership","confidence_score":0.12278997}]},{"text":"Are you still doing the manager, Yep. or are you just like, you're cutting hair in addition Both.","start_word":2240,"end_word":2257,"intents":[{"intent":"Manage hair","confidence_score":0.35911202}]},{"text":"Managing the floor and and hair. That's perfect. Yep.","start_word":2272,"end_word":2280,"intents":[{"intent":"Manage floor and hair","confidence_score":0.17505573}]},{"text":"And how much do you reckon sort of office space versus, like, on the the floor doing, like, the haircuts and things like that?","start_word":2282,"end_word":2305,"intents":[{"intent":"Inquire about office space","confidence_score":0.030911284},{"intent":"Confirm office hours","confidence_score":0.019656386}]},{"text":"And as far as, like, qualifications at the moment, so you probably got, like, some sort of certificate in hairdressing, but do you have any Yep. other applicable qualifications at the moment?","start_word":2399,"end_word":2430,"intents":[{"intent":"Identify job requirements","confidence_score":0.0006657358},{"intent":"Inquire about qualifications","confidence_score":0.13140124},{"intent":"Request assistance","confidence_score":0.000077049815}]},{"text":"they have updated their system. Some of the so I'm just Mhmm. trying to get the most full picture with the updated workbooks. The I apologize.","start_word":2454,"end_word":2479,"intents":[{"intent":"Update workbook","confidence_score":0.01700359}]},{"text":"The I apologize. Yeah.","start_word":2477,"end_word":2480,"intents":[{"intent":"Apologize for miscommunication","confidence_score":0.001789177}]},{"text":"We've done it before. I've been changed. We closed yep. one. We had two. We closed one, and all the patient info was supposed to transfer over. And some came over in duplicates, and some didn't come, and some came, but they never even thought.","start_word":2571,"end_word":2615,"intents":[{"intent":"Recall previous interaction","confidence_score":0.0015042548}]},{"text":"trying to get everything back updated. So it's kind of like well, I guess we haven't spoken before, so it's nice in the sense that I get to know a little bit more There about you go.","start_word":2643,"end_word":2679,"intents":[{"intent":"Update information","confidence_score":0.06366832}]},{"text":"And did you want a copy of, like, OQ's budget planner to be able to sort of track those bills and things like that a little bit better? Yeah.","start_word":3166,"end_word":3194,"intents":[{"intent":"Track bills","confidence_score":0.11605027}]},{"text":"I'll get that emailed off to you there.","start_word":3272,"end_word":3279,"intents":[{"intent":"Send emailed version","confidence_score":0.0003094613}]},{"text":"Because, like, generally, if your balance is, like, a little bit high, you can look at, like, transition to retirement type studies that can benefit, like, in drawing down some of your super and recontributing. But based on your your tax bracket, it probably wouldn't be the most beneficial No.","start_word":3346,"end_word":3395,"intents":[{"intent":"Calculate benefits","confidence_score":0.0064880806}]},{"text":"And do you know roughly how much you got sort of sitting in there at the moment?","start_word":4075,"end_word":4091,"intents":[{"intent":"Check account balance","confidence_score":0.055643596}]},{"text":"And as far as goals are concerned there, Karen, I know your main sort of goal was to finish your apprenticeship and then maybe do a little bit No.","start_word":4620,"end_word":4648,"intents":[{"intent":"Finish apprenticeship","confidence_score":0.6531565}]},{"text":"Still Is that got sort traveling of on my list, but at the moment, it's not looking good. yeah.","start_word":4650,"end_word":4668,"intents":[{"intent":"Travel","confidence_score":0.017876236}]},{"text":"And then is in terms of, like, other goals, like, in with your retirement as well and thinking about that, Yeah.","start_word":4673,"end_word":4693,"intents":[{"intent":"Think about retirement","confidence_score":0.6560469}]},{"text":"And have you had a thought about because, obviously, you know, with the the superannuation being a little bit lower in that as well, is the main goal, like, just at the moment just to build up a bit more of a savings and Yes.","start_word":4896,"end_word":4940,"intents":[{"intent":"Resolve savings issues","confidence_score":0.000012331269}]},{"text":"I'd like to do store and help you. I definitely would.","start_word":4970,"end_word":4980,"intents":[{"intent":"Help with superannuation","confidence_score":0.00006062602}]},{"text":"And is that something you wanna sort of revisit in maybe six months, or is that something, you know, in, like, your next interview you might wanna start thinking about a little bit more? Or Probably in my annual review because I've had I haven't like, I need to get my head around what I'm gonna actually do long term and Yep. how long I'm gonna work for. Yeah.","start_word":4982,"end_word":5050,"intents":[{"intent":"Revisit and review long term plans","confidence_score":0.000021632577}]},{"text":"And, yeah, and then having a bit of a discussion around what you're you're trying to achieve.","start_word":5255,"end_word":5271,"intents":[{"intent":"Discuss andre's ambitions","confidence_score":0.035463914}]},{"text":"I do know he's thinking he wants to retire.","start_word":5313,"end_word":5321,"intents":[{"intent":"Discuss retirement plan","confidence_score":0.0013384923}]},{"text":"He said that he's two years old for me. yeah. So he will Yeah. actually retire before me. Yeah.","start_word":5365,"end_word":5383,"intents":[{"intent":"Discuss retirement plans","confidence_score":0.3875044}]},{"text":"And within regards to risk profile, quickly run through that and just make sure Yeah. that's Yep. all up to date. Mhmm.","start_word":5409,"end_word":5430,"intents":[{"intent":"Discuss risk profile","confidence_score":0.5435805}]},{"text":"Well, I gotta add to it. I can take that. So Yeah.","start_word":5554,"end_word":5565,"intents":[{"intent":"Add to superannuation","confidence_score":0.07791445}]},{"text":"And then, obviously, with inflation and cost of living and things like that going up, would you still consider yourself a bit more of a moderate to risk taker in regards to being able to take on a bit more risk to outpace inflation and get more of a return while you are still working? What do you suggest?","start_word":5586,"end_word":5644,"intents":[{"intent":"Discuss inflation and cost of living","confidence_score":0.108906046},{"intent":"Evaluate potential benefits","confidence_score":0.002593235}]},{"text":"Well, as in terms of, like, if you just put it all in cash, you you know, you're probably getting just the, you know, the standard maybe a little bit more if you do, like, term deposits and bonds and things like that. But the inflation rate kinda eats away that in terms Edit.","start_word":5646,"end_word":5699,"intents":[{"intent":"Evaluate volatility","confidence_score":0.028702691}]},{"text":"Now within regards to what you currently hold you in that Vanguard portfolio just due to Yep.","start_word":6139,"end_word":6155,"intents":[{"intent":"Assess portfolio value","confidence_score":0.017126026}]},{"text":"Obviously, at year, we sort of still review it as well in terms Yep.","start_word":6337,"end_word":6350,"intents":[{"intent":"Review renter's information","confidence_score":0.0008279609}]},{"text":"That current residence here, are you renting that one at the moment, or is that Yep. do you know roughly what's the Yeah.","start_word":6440,"end_word":6462,"intents":[{"intent":"Confirm current residence","confidence_score":0.0036922325}]},{"text":"I'm the just gonna have a look for it. It's about I think it's just a month.","start_word":6463,"end_word":6479,"intents":[{"intent":"Look for new information","confidence_score":0.000028992494}]},{"text":"I'm happy leaving the fees off just giving your current balance at the moment.","start_word":6587,"end_word":6600,"intents":[{"intent":"Leave off fees","confidence_score":0.5291469}]},{"text":"Obviously, when we sort of look to maybe update your advice and do some joint advice, they might wanna chuck the fee on.","start_word":6601,"end_word":6623,"intents":[{"intent":"Update adviser","confidence_score":0.026719697}]},{"text":"So with that, I'm happy to leave it off at the moment just while we're not Thank looking you. at updating anything.","start_word":6646,"end_word":6667,"intents":[{"intent":"Provide assistance","confidence_score":0.0018867167}]},{"text":"But is there anything else you wanna have a chat about, Karen, while you've got me anything in No. relation That sounds to pretty I think so.","start_word":6978,"end_word":7004,"intents":[{"intent":"Schedule a conversation with karen","confidence_score":0.000038203252}]},{"text":"Your life insurance. Sure. We should drop. It's been 3,117 thousand. $2.50.","start_word":7031,"end_word":7042,"intents":[{"intent":"Drop life insurance","confidence_score":0.38695818}]},{"text":"Because I'll you'll send send me that stuff. It'll have your you email there as well. yeah. I'll send you the the quotes with the the budget planner there as well. You can have a review of the 300 and the $2.50.","start_word":7136,"end_word":7177,"intents":[{"intent":"Send quotes","confidence_score":0.2829805}]},{"text":"You can have a review of the 300 and the $2.50.","start_word":7167,"end_word":7177,"intents":[{"intent":"Review expenses","confidence_score":0.00008564084}]},{"text":"in regards to what you're actually paying, and then I'll include that budget planner for you guys to just be able to utilize to help sorta, you know, cover those bigger expenses and plan for those a little bit there as well and, you know, leisure activities, things like that.","start_word":7252,"end_word":7301,"intents":[{"intent":"Include budget planner","confidence_score":0.25693268}]}]},"sentiments":{"segments":[{"text":"I'm speaking.","start_word":0,"end_word":1,"sentiment":"neutral","sentiment_score":0.04650668427348137},{"text":"Good afternoon, Karen.","start_word":2,"end_word":4,"sentiment":"positive","sentiment_score":0.39246538281440735},{"text":"It's Carl calling from Financial. How are you today?","start_word":5,"end_word":13,"sentiment":"neutral","sentiment_score":0.2790983319282532},{"text":"I'm well. Thank you.","start_word":14,"end_word":17,"sentiment":"positive","sentiment_score":0.497050404548645},{"text":"And you? Yeah. Not too bad at all.","start_word":18,"end_word":25,"sentiment":"neutral","sentiment_score":0.29371604323387146},{"text":"Thanks for asking. I've got you scheduled in for an interview.","start_word":26,"end_word":36,"sentiment":"positive","sentiment_score":0.4267195463180542},{"text":"Catch up. Is now still a good time for you? Yep.","start_word":37,"end_word":47,"sentiment":"neutral","sentiment_score":0.3076562285423279},{"text":"Perfect. Perfect.","start_word":48,"end_word":49,"sentiment":"positive","sentiment_score":0.5588400363922119},{"text":"Just to get started on that one, Karen, if I could pass you through security, just that name, date of birth, and current address, if you don't mind. Mhmm. Karen Ann Marie Masood. Unit 1611 Toole Drive, Hudram, And 15th 1162.","start_word":50,"end_word":90,"sentiment":"neutral","sentiment_score":0.16669580340385437},{"text":"Perfect. Perfect. Thanks for that on there, Karen.","start_word":91,"end_word":98,"sentiment":"positive","sentiment_score":0.6662529706954956},{"text":"Now as I said, I do have you booked in for your annual review there. Now in regards to that one there, so we're just gonna go through, confirm a few details, and then Mhmm. just run through a quick risk profile much like the the previous years that you have completed. They have done it a little bit differently this time. So following the call, they're just gonna send out an annual review pack for you just Okay. to to send out the reports for you to review. At the moment, you're currently a no fee client just based on your your balance. I believe you sort of remember that from, like, when you did your, yeah, your updated advice piece. I believe you took out some money while you had your Netwealth account and then moved to to Hub in 2024. Is that correct? That sounds right. Yeah. Yeah. Just because we haven't spoken previously. Obviously, I was just trying to get my head Yeah. around it a little bit. When you move in funds and, yeah, the the bit of the backstory, you've been around for quite a while as a client. So just trying to to get a bit of a feel for it, so fine. So from there, we'll just do Mhmm. a quick review, see how you feel about things. Mhmm. At the moment, just because of, like, obviously, taking the money out previously, your balance still has a quite a a a low compared to, like, obviously, what it was when you came on board from taking the funds out. That's not to say that your performance wasn't too great. Being in that diversified sort of balanced portfolio there, it still Mhmm.","start_word":99,"end_word":387,"sentiment":"neutral","sentiment_score":0.02277324888790767},{"text":"did 7.81% after fees, which is really quite a nice return for a Yep. standardized balance growth portfolio. So will that that is traveling quite nicely.","start_word":388,"end_word":413,"sentiment":"positive","sentiment_score":0.5074239373207092},{"text":"It took a little bit of a dip with what's occurring at the moment Yeah. given Well the current yeah. circumstances. Yeah.","start_word":414,"end_word":435,"sentiment":"neutral","sentiment_score":-0.22230824828147888},{"text":"So probably not the best time to take out sort of money if you were sort of thinking about it at the moment.","start_word":436,"end_word":458,"sentiment":"negative","sentiment_score":-0.4034391939640045},{"text":"I'd No.","start_word":459,"end_word":460,"sentiment":"neutral","sentiment_score":-0.25551411509513855},{"text":"probably give it I a little bit of don't a chance.","start_word":461,"end_word":471,"sentiment":"negative","sentiment_score":-0.34908851981163025},{"text":"Oh, How yeah. much So do I have? $39,863. So it's gone up a bit from when you went into I believe when it went into Hub, '25 it or something. yeah. I think yeah. Originally, the first rollover was twenty two five, Yeah. so '20 Okay. 2000. Yeah. So Yeah. then 06/30. and that was back in, yeah, July 2024, I believe. Mhmm. Yep. So not too bad of a return at the moment. It was over the the 40 there for a second until, obviously, did it come. So not fantastic then saying that you're still able to pay for that insurance policy you currently still have there as well. And Yep. in terms of that, you're still comfortable with that life cover policy and how much you pay I for don't that at even the moment? know I don't even know what I'm paying or what I have at the moment, actually, to be quite honest with you. Okay. Yeah. So, So like, the one the of those youth things that you just take and, you know, don't think about it again. yeah. So at the moment, the policy yearly premium is around the 3,300 mark. After the 15% rebate, it is $2,838. 95 as a yearly premium. And then with that, the sum insured for $311,717 at the moment of Mhmm. life cover. Just in the event that anything did happen, that's what does pay out. Mhmm.","start_word":472,"end_word":711,"sentiment":"neutral","sentiment_score":-0.015883429100116093},{"text":"Now, obviously, as you get older, it gets more expensive.","start_word":712,"end_word":721,"sentiment":"negative","sentiment_score":-0.4705694913864136},{"text":"Yeah. You you are sort of, you know, a few years off there potentially, like, looking at settling entitlements, things like that as well. Yep. So there is the option potentially, Okay. like, given your lower balance as well just for going insurance cover. Obviously, you do lose that risk mitigation there, and I'd have to double check when this policy expires as well, like policies. Oh, yeah. I believe it should be still quite a number of years, but I'd have to double check. I don't have it up in front of me at the Yep. the moment. Yep. Okay. But, yeah, there's certain age that do expire as well. And I'll just see if it's got around the COC as well. Alright. It wouldn't expire for quite some time. So it would expire in 2062, so it's still some time in regards Yep. to that With that so in regards to insurance cover and sort of the price you pay and your current balance there at the moment, they can know you're currently working as a hairdresser and still contributing Mhmm. to it. Are you happy maintaining that for now? Is that something you wanna potentially If ever think about? if I dropped it, like, what, you know, like, what's sort of we're looking at the fees. How how much do you reduce it by if you drop, like, you know, just like, sometimes when you do like, if you take the 300, you sort of drop $10 or something.","start_word":722,"end_word":973,"sentiment":"neutral","sentiment_score":-0.05762198567390442},{"text":"But then sometimes when you drop it, like, a 150, it's a big drop.","start_word":974,"end_word":987,"sentiment":"negative","sentiment_score":-0.3430456817150116},{"text":"You know what I'm saying? Like, In how terms do you of work just reducing out? the the cover amount Yeah. versus? Yeah. Yeah. Yeah. Yeah. I'll have a quick look and see what it might look like Because there. So, I have dropped it over the years. It's sort of like yeah, like well. just this and is there a sort of amount in mind you're potentially thinking about in terms of Well, I suppose that keeps going up how much everything cost.","start_word":988,"end_word":1071,"sentiment":"neutral","sentiment_score":-0.10013420720185552},{"text":"Doesn't like it.","start_word":1072,"end_word":1074,"sentiment":"negative","sentiment_score":-0.5729866027832031},{"text":"You should yep. be making it go up. Does that make sense? Like, you know No. Yeah. yeah. What You what are. would 300 would 300 make any difference? Let me just bear with me. So I'm just logging in to to Neos Yeah. to do some in force quoting to to show you what that might look like.","start_word":1075,"end_word":1133,"sentiment":"neutral","sentiment_score":-0.06355123966932297},{"text":"It's being a bit slow.","start_word":1134,"end_word":1138,"sentiment":"negative","sentiment_score":-0.4226686954498291},{"text":"Yeah. It's how It's I ready? feel at the moment. Yeah. It's ready to knock off for the day. Yeah. So within regards to that, if you just dropped it down to the 300 mark, it brings it obviously, you still get the 15% rebate, but currently, it's around $3,339.94, and that would drop to $3,214.40. Now if you dropped it maybe to because generally in lots of 250,000, under a million Okay. dollars, Yes. cover becomes Yep. a little Yep. bit cheaper. So if you did just, like, 250,000, you would drop it down to $2,678.67, which is a bit more of a significant drop for Yeah. the amount. And then after the 15%, I'll just see what that actually comes to, it'd be around $2,276.86 in terms of, like, a a yearly figure, which drops it down a little bit there. Yeah. So what am I paying at the moment? At the moment there I'll just bring Yep. that back up. Sorry. It's yeah. No. It's fine. $2,838.95. So about 2,000. eight Alright $100 then. and Yep. yeah. $2,838 and 95 Yep. cents. And then if you dropped it down Yep. to the 2 Yep. 50 Three after 100. What was the 300? The 300. Let me just bring that Yeah. one I did up as write well. down, but I should because I won't remember when you hang up. No. That's fine. Yep. So I'll just get that after. So I just have to do Yes, the the rebate there as well.","start_word":1139,"end_word":1393,"sentiment":"neutral","sentiment_score":0.0015631707239092566},{"text":"It's annoying with the the quoting that they don't actually include the the rebated amount.","start_word":1394,"end_word":1408,"sentiment":"negative","sentiment_score":-0.6000203490257263},{"text":"ma'am. It's only on the certificate of Oh, currencies. really? Yeah.","start_word":1409,"end_word":1419,"sentiment":"neutral","sentiment_score":-0.15120986104011536},{"text":"It's just it's weird like that.","start_word":1420,"end_word":1425,"sentiment":"negative","sentiment_score":-0.4385278224945069},{"text":"Bear with me. Make your book. Yeah. So after the rebate for the 300, it'd be $2,732.24. Okay. Yep. Okay. Give me something to think about. I have Yep. Okay. Yep. And then if you dropped it down to the $2.50 mark, it would drop it after the rebate down to $2,276.86. Yep. Okay. Yep. Those all helps over time, doesn't it? This is over the a year, is it? This one? Yeah. And, obviously, each Yep. year, it does creep up again as well, and you do have Yeah. a CPO on on that Okay. as well. So it does, like, increase a little bit Yep. each year. Is that something that you Cool. wanna address following this? Are you happy just to have a think about it and just shoot us an email Yeah. or I wanna give us have a think a about call? it, but yeah. Because it's sort of I'm interested in doing it because, you know but I I do need to think about Yep. it. But Not can you a problem value about at all. that? Yep.","start_word":1426,"end_word":1609,"sentiment":"neutral","sentiment_score":0.07369048148393631},{"text":"You obviously, yeah, if you're happy managing it yet yourself and just reaching out when you want to address it, that's more than fine.","start_word":1610,"end_word":1633,"sentiment":"positive","sentiment_score":0.3422408699989319},{"text":"Yeah. Yeah. Obviously What do yeah. you recommend?","start_word":1634,"end_word":1641,"sentiment":"neutral","sentiment_score":0.03194080665707588},{"text":"Well, you can't do that.","start_word":1642,"end_word":1646,"sentiment":"negative","sentiment_score":-0.38438740372657776},{"text":"So I can just sort of just generally speaking. So in regards to, like, debts, you don't actually have but unless you sort of obviously haven't updated your assets and liabilities, you don't have, like, really any outstanding debts in terms of, like, if anything was to to happen to you in terms of covering Mhmm. it for your partner. Obviously, you know, Andre might wanna take some time off work to to grieve and things like that as well. So that's what a life insurance policy could do. Okay. Because, Yep. generally, like, life insurance, it's meant to cover, you know, outstanding debts, a little bit of bereavement, funeral costs, things like that to be Yeah. out Yeah. of sorta. Yeah. Okay. When you're looking, like, TPD and compensation, they're a little bit different. Like, yes, when you're still around and trying to cover for things, whereas life's just, like, generally, You you just don't. wanna, like, clear clear some yeah. It doesn't affect Yeah. you so much as it more affects the No.","start_word":1647,"end_word":1821,"sentiment":"neutral","sentiment_score":-0.07909401286925588},{"text":"person. This is behind.","start_word":1822,"end_word":1825,"sentiment":"negative","sentiment_score":-0.4904364049434662},{"text":"Yep. Yeah. Person behind and sort of how they're willing to able to, you know, cover expenses based on their income and things like that as well. So, Yep. you know, Andre wasn't based on his income able to to cover, like, his rent and things like that. If you are gone, you may wanna still look at, you know, providing that until sort of he was able to, you know, apply for pensions, things like that, or if he's able to, you know, draw Yep. down his occupation, superannuation to be able to cover expenses, things like that as well. You might not need as much cover. Mhmm. Yes, So, sir. yeah, Okay. less Yep. of, Okay. like, it the effect on you and more so the effect on partner that's left behind, Yep. Yep. you know, Okay. even with your your current super balance, even though it is that low balance, rather than the 40,000 there, Mark. Obviously, it does take a little bit to, you know, get released and things like that, but that's more Yeah. Yeah. than enough Yeah. money Makes to sense. to pay for a nice funeral and a bit of a wake at the end of the day as well if something was to happen and then probably a little bit left over for Andre, worst case scenario, if you're no longer around. Okay It's just something then. to to think about. I know Think it's a little about bit morbid, but, yeah, it's that's just one of not. those things, unfortunately. Yeah. Yep. Prepare for the the unexpected. Yep. They're prepared and nothing happens. Exactly. That's that's it. I'll just go through and confirm a few details there for you as well, Karen. So email's to Karen.Masood@Gmail.com. Yep. That's it.","start_word":1826,"end_word":2123,"sentiment":"neutral","sentiment_score":-0.08432878556367535},{"text":"Perfect.","start_word":2124,"end_word":2124,"sentiment":"positive","sentiment_score":0.4539000391960144},{"text":"Address hasn't changed. Still just the the two dependents even though, you know, the children are a little bit older. Nope. Yeah. Well, I still have gone now. Yep. Not really carrying that. That's fine. But except once come back to save money. Oh, one came back. That's that's what you do. You come back home to save money. Yeah. Especially with the cost of living at the moment. It's not getting any any cheaper. And I know at the moment you were finalizing your partnership. Have you managed to finish that at the moment? Yeah. Yeah. Yep. Yep. And are you because I know you were doing some sort of managing as well. Are you still doing the manager, Yep. or are you just like, you're cutting hair in addition Both. to that as Doing well? both. I'm doing both. Mannington. Yep. The floor. Yep. Managing the floor and and hair.","start_word":2125,"end_word":2276,"sentiment":"neutral","sentiment_score":-0.022464627400040627},{"text":"That's perfect.","start_word":2277,"end_word":2278,"sentiment":"positive","sentiment_score":0.5087871551513672},{"text":"Yep. And how much do you reckon sort of office space versus, like, on the the floor doing, like, the haircuts and things like that? So that's a hard question because it just depends on some weeks. Some weeks, you don't like to do any office work and then some weeks, if it's a bit slower, you catch all up. So it oh, it'd be hard. There's this On stuff average, you have maybe to do. Yeah. Because yeah. I have to pay wages, and I do, like, some pay bills sort of stuff. Maybe around 30% office workers, like, if you broke it down between the time you spent doing that Maybe sort 40, of 60. forty, sixty. And as far as, like, qualifications at the moment, so you probably got, like, some sort of certificate in hairdressing, but do you have any Yep. other applicable qualifications at the moment? That's fine. And we don't have your employee name. I know this is, like, all a bit little bit random, Yep. so Yeah. they have updated their system. Some of the so I'm just Mhmm. trying to get the most full picture with the updated workbooks. The I apologize. Yeah. Some that's of okay. these. The business name is Bunroon. And you need, like, the proprietary name? Or No. That as far as I okay. say, it's a lot of Yep. just general information that is just like with the the new updated workbook. A lot of it didn't pull across. So I'm just, and we haven't spoken Yeah. I don't previously.","start_word":2279,"end_word":2541,"sentiment":"neutral","sentiment_score":-0.07621368340892937},{"text":"hate that.","start_word":2542,"end_word":2543,"sentiment":"negative","sentiment_score":-0.42954349517822266},{"text":"Yeah. So I just wanna make sure that everything is up to date.","start_word":2544,"end_word":2556,"sentiment":"neutral","sentiment_score":-0.04711718112230301},{"text":"Unfortunately, that is quite painful, Yeah.","start_word":2557,"end_word":2562,"sentiment":"negative","sentiment_score":-0.4980953633785248},{"text":"Yeah. and Yeah. Yeah. you feel Yeah. We've done it before. I've been changed. We closed yep. one. We had two. We closed one, and all the patient info was supposed to transfer over. And some came over in duplicates, and some didn't come, and some came, but they never even thought. We I don't we're even know currently, how it all happens. yeah, we're currently dealing with that at the moment. So I feel your Yeah. pain Yeah. trying to get everything back updated. So it's kind of like well, I guess we haven't spoken before, so it's nice in the sense that I get to know a little bit more There about you go. you. So in addition to, yeah, just making sure that everything's nice and up to date. But in terms of, like, managing the the salon there, how long have you been doing that as a a job now, if you don't mind me asking? I've been at that company now eight years. Issue? Eight, eight years. Issue? Yep. And are you considered full time at the moment? I do thirty hours. Yep. For permanent part time? Yeah. That's fine.","start_word":2563,"end_word":2757,"sentiment":"neutral","sentiment_score":0.005913772682348887},{"text":"Perfect.","start_word":2758,"end_word":2758,"sentiment":"positive","sentiment_score":0.41560691595077515},{"text":"And then in regards to annual income, do you know roughly what you're on at the moment? I can tell you. I just got my email. Is that on gross? Yeah. Gross is gross is fine. Yep. Okay. Just let me find it. Sometimes it's gotta do a payslip. Sometimes it's not. Then it goes to company. It's always one the way I do it first is not the right way. Yeah. That's fine. Just bear with me. Yeah. Take your So take coming your time. up that way, I'll just I got it Monday, so I'm gonna just go back to Monday. It might be easier. Nothing simple. No. No. Never, especially in the afternoon. So how long you been logged in? Probably about the eighteen months now. Okay. Getting around to a few clients with the way they're they're sort of do things in regards to you know, it was a bit of a flow of terms of, like, people speaking with different advisers. I think they're doing a Yeah. bit more of a a group system now where you're more likely to get the the same adviser Oh, yeah. Yeah. moving Okay. forward. So we'll see we'll see how that works out. And if you're you're talking to me for the next sort of twelve, Yep. Yep. twenty Okay. four months, yeah, in saying that the team is pretty helpful here anyway if you do get one Yeah. of us Yeah. all together. I haven't had any problem.","start_word":2759,"end_word":3009,"sentiment":"neutral","sentiment_score":0.01908233368479873},{"text":"Perfect. It's good to hear.","start_word":3010,"end_word":3014,"sentiment":"positive","sentiment_score":0.6802405714988708},{"text":"I'm an easy That's that's client. what I like to hear. Oh, I'm telling you, I am put you down.","start_word":3015,"end_word":3034,"sentiment":"neutral","sentiment_score":0.07516713440418243},{"text":"You're horrible.","start_word":3035,"end_word":3036,"sentiment":"negative","sentiment_score":-0.4283670485019684},{"text":"Okay. Growth Might have is a different opinion. a fun Right? yeah. But that's okay. I have no problem with that. Okay. Let me find it. Just gonna make it large. So I'll see this.","start_word":3037,"end_word":3071,"sentiment":"neutral","sentiment_score":0.04055333137512207},{"text":"Great.","start_word":3072,"end_word":3072,"sentiment":"positive","sentiment_score":0.42798739671707153},{"text":"Here we go. 900. Address is done. Yep. And as far as, like, a budget, are you doing a budget at the moment in terms of, like, what you're trying to save per week versus what your expenditures are at the moment? Yeah. I do. But then, you know, it goes a bit pear shaped. Okay. You know, when you you're all fine then. You know? And those needs tires or something. You know? They were fine, and then they're not. And it's one of those budgets. Yep. Okay. Not a problem. And did you want a copy of, like, OQ's budget planner to be able to sort of track those bills and things like that a little bit better? Yeah. Okay. That's right. You don't actually have to return it if you're sort of happy just utilizing it. It just helps Yeah. in terms of, like, you can just chuck in all your bills that you expect for the year, Yeah. and Yeah. it Yeah. just gives you a bit more of a breakdown. You're able to track it a Yeah. little Okay. bit better Okay. for that. And then yeah. Okay. We can do that.","start_word":3073,"end_word":3269,"sentiment":"neutral","sentiment_score":0.07938066124916077},{"text":"Perfect.","start_word":3270,"end_word":3270,"sentiment":"positive","sentiment_score":0.5040729641914368},{"text":"I'll get that emailed off to you there. And then in regards to contributions, are you planning on doing any other contributions to superannuation at the moment apart from, like, your your salary I'd love contribution? to, but I never seem to have anything left in the end. Yeah. So No. Completely at understandable. the moment, no. By the time you do, you have fun and just not it's like, oh my god. Yeah. Because, like, generally, if your balance is, like, a little bit high, you can look at, like, transition to retirement type studies that can benefit, like, in drawing down some of your super and recontributing. But based on your your tax bracket, it probably wouldn't be the most beneficial No. at the moment, Not unless you sort of got up into that, you know, up to, you know, 45 and above maybe, and then it might start showing some benefits. But Okay. apart from that, it might just end up being a bit more in administration cost than what it would sort of benefit Yes. you in terms of that. Because Yep. with that, you obviously get taxed less going into to superannuation and sort Yes. of trying to True. draw down a little bit as well. But with the the lower amounts drawing, you're not gonna sort of save too much on tax given you're in a lower tax bracket anyway. Yes. Yep. It's once you sort of look at going above that, because at the moment, you're only getting charged around sort of 16% for, like, you know, every dollar that you're you're making, whereas superannuation's 15 at the moment. So when you start getting Okay. dollars over the 45,000 mark, Yep. that's when you sort of you know, you're on that Consider. 30% tax bracket that you might look Yep. at Yep. doing those sort of strategies to where, Okay. you know, contributing to superannuation brings you back down, and then you're paying that 15%, not the 30. And then you Yep. can draw down a little bit of a superannuation tax free given that you're over the age of 60 Okay. now. Okay. So you think yeah. Yeah. So that's Mhmm. the sort of way to do it. So you're not actually losing money in that sense. So even though at the moment, Yeah. you don't feel like you got money to spare, it doesn't actually matter in No. that No. sense No. No. Here that here yeah. here is on there. So But given that, you know, depending on, you know, how things going, if you draw down your super things like that, given you're not too far off, maybe applying for settling entitlements and things like that as well, It might not come into play, but, you know, depending on yeah. how things go Yeah. as Yeah. well. Yeah. Well, you know, I Yeah. won lotto So on Saturday, and I won $10.65. You know? Might we'll be a there start. you go. So maybe maybe next month, you might be in the the million dollar one. Well, So I guess, got better because I'm actually buying tickets now. you gotta be in it to win it as they say. Yeah. Yeah. Yeah. That's what I've I worked out. I thought, oh, I think I'm not winning a lot. I know. Need to buy a ticket. Yeah. There's a there's a few people that have a certificate going around the office as well to just But to try and, you know, like you said, in it to win. they sell them some big jackpots, actually. Yeah. It tends to be like that. I'm not too sure if it's more people being in Australia and the Yeah. cost of living. Maybe. Everyone wants to win it big. We're in the jackpot. Yeah. Exactly. In terms of the your assets and liabilities there, I know you had the car was around the 18 mark that you nearly had paid off. Have you managed to pay that off now? Yeah. I don't. Probably.","start_word":3271,"end_word":3950,"sentiment":"neutral","sentiment_score":0.014624298880260218},{"text":"It's probably And as worthless far now yeah.","start_word":3951,"end_word":3958,"sentiment":"negative","sentiment_score":-0.3869588971138001},{"text":"because it's I older. mean, I Yeah. yeah. A little bit, you know, a day older, a a a dollar less, Yeah. Yeah. but, Yeah. yeah, Yeah. some things say it's Yeah. You like know? a fine one, so you never know. Yeah. No.","start_word":3959,"end_word":4002,"sentiment":"neutral","sentiment_score":0.07205770909786224},{"text":"It's all paid off. Brilliant.","start_word":4003,"end_word":4007,"sentiment":"positive","sentiment_score":0.6007742285728455},{"text":"And as far as, like, a savings account there, Karen, do you have a little bit, like, of a rainy day fund at the moment? I try. Yep. But it's sort of, as I said, like, I have it's where the money sits, like, because I got Rejo coming out this month, and I sort of sit money in there for that, for those surprises. Yep. And do you know roughly how much you got sort of sitting in there at the moment? I think it's $12,000. Just check that there. And as far as any other assets and liabilities that we're not really aware of, is there anything else that we're not too sure of? Or do I say 12,000? I meant 1,200. So Yeah. I No. just said That's that fine. and I thought, oh, that's not why I don't want to make no. I don't have that much. Because I was thinking my retro is at least 500, so minus that. No. No. That's not how much I got. Sorry. Okay. No. That's that's perfectly Oh, I fine. wish you're thinking. Yeah. You never know. We're we're still holding out on that lottery. Yeah. Yeah. Yeah. Because I was thinking now I've been putting money away for, like, with just different little bits and pieces that the bills that come up, like, how some months you've got more than others. Yeah. And then, you know, sometimes, you know, the the subscriptions get a little out of hand. You gotta cut back on Netflix for a few months and things like that as well. Yeah. I hear. You know. You know the story. Exactly. And in terms of your health, Karen, for the past twelve months, no unexpected hospital trips.","start_word":4008,"end_word":4299,"sentiment":"neutral","sentiment_score":-0.0011503583534735525},{"text":"So that your health's been I'm largely well? fine.","start_word":4300,"end_word":4308,"sentiment":"positive","sentiment_score":0.47598761320114136},{"text":"Help you Right. guys. And currently nonsmoker? Not planning on I taking don't know how it people up any time afford soon? that. I don't know how you can Yeah. afford it. No. Exactly. So you've answered these questions previously as well, but you haven't declared bankruptcy or part nine debt agreement, have you? Yeah. Okay. Was that bankruptcy Oh, or part nine? what's the part nine? So part nine is like a payment plan sort of agreement. Where No. is bankruptcy? Bankruptcy. Not that it matters a whole heap, but do you remember sort of what year that might be? Three years, maybe? Four years now? Three. Four years ago? Yeah. It was like, I did my time. It's like but it is like a print prison sentence. Oh, You so do your it's time. like it ended four years ago, and it Yeah. was, like Three or four years ago. Yeah. yeah.","start_word":4309,"end_word":4462,"sentiment":"neutral","sentiment_score":-0.10153073817491531},{"text":"Perfect.","start_word":4463,"end_word":4463,"sentiment":"positive","sentiment_score":0.4000427722930908},{"text":"Just make a note of that. Not that it matters a whole heap unless you're sort of going for things like property purchase and things Yes. like that as well unless that's on the the cards for the next few months. And then as far as private health there, Karen, have you got private health insurance? Yes. I got hospital and extras. Right. And then as far as the will is concerned, have you and Andre gotten around Yes. to Yep. Done. perfect and do you have a power of attorney in place with that one? Yep. Right. And then these ones are a little bit random there, but you're not a tax resident for any other country at the moment, are you? No. Perfect. And this is a bit of more of a random one. You're not politically exposed, though. You don't have any sort of friends and family and politics or yourself? And as far as goals are concerned there, Karen, I know your main sort of goal was to finish your apprenticeship and then maybe do a little bit No. of traveling. Still Is that got sort traveling of on my list, but at the moment, it's not looking good. yeah. Okay. There it is. And then is in terms of, like, other goals, like, in with your retirement as well and thinking about that, Yeah. I actually that's funny. I've only just started probably last few weeks thinking about that part of it. I haven't really sat down and gone through it in my head actually, but it's not that far away now, so I gotta start thinking about it. And I'm also coming up for into your time. I've got long service, so I Yep. need to think about it, where I'm going. Because it can't work forever. Yeah. Yeah. Exactly. And so, hopefully, Well, there's you some can few part things here. time or whatever, but you just can't full time. It just that would be just a bit too heavy, don't you? Yeah. Yeah. No. You're exactly right there. Obviously, yeah, when it comes down to Centrelink and your Centrelink entitlements and things like that, those are all things we can look at at that sort of age of 67, things like that as well. Yeah. Yeah. They keep changing the doll posts, so it couldn't be anything by the time I get there. A little bit, but in saying Yeah. that hopefully a lot of it that is grandfathered. So at least hopefully for you, it's it's more than capable there as well. And have you had a thought about because, obviously, you know, with the the superannuation being a little bit lower in that as well, is the main goal, like, just at the moment just to build up a bit more of a savings and Yes. then sort of maybe think about, like, the super side of things and maybe trying to bolster it up just a little bit Yeah. as I well? would yeah. I'd like to do store and help you.","start_word":4464,"end_word":4976,"sentiment":"neutral","sentiment_score":0.008774160118828042},{"text":"I definitely would.","start_word":4977,"end_word":4979,"sentiment":"positive","sentiment_score":0.410327285528183},{"text":"Yep. And is that something you wanna sort of revisit in maybe six months, or is that something, you know, in, like, your next interview you might wanna start thinking about a little bit more? Or Probably in my annual review because I've had I haven't like, I need to get my head around what I'm gonna actually do long term and Yep. how long I'm gonna work for. Yeah. And then it said I it just hit me. I just went, oh, I bet I should actually so I have a plan. Yep. I Yeah. And, obviously, was just wandering we can around aimlessly. yeah. And sometimes you don't you, like, don't even wanna end up where you sorta are. You might wanna be somewhere else, you know, closer to Yeah. family, things like that as well. Yeah. So Yeah. those are all sort of things to It'd to think be about nice as well. to yes. So I'm like, I need to start thinking about what it means, like, down the track to, like, sort of being totally debt free so you can live on your super and your pension. Well. Yeah. Yeah. So those are all sort of things that we can have a look at, you know, Mhmm. given that, you know, you obviously do have your partner there as well. We can sort of look at, you know, in the next sort of couple of years doing, like, maybe a joint advice piece as well Oh, to sort yeah. of Yeah. encompass Okay. Yes. Yep. both of them and what that sorta looks like in terms of that. Yep. And, yeah, and then having a bit of a discussion around what you're you're trying to achieve. Obviously, I can't go into too much detail about Andre's. No. No. That's okay. Yeah. But, yeah, in saying that we can have a bit more of a discussion around what you're you're both trying to achieve then, Yep. get going. I do know he's thinking he wants to retire. He's thinking about it at the moment sort of thing and Yeah. He's getting he's getting towards these. That's what I said. We need to chat and see what what where we're gonna go. So that's what really brought it to a head. He said that he's two years old for me. yeah. So he will Yeah. actually retire before me. Yeah. So that's all sort of things we need to sort of Yeah. have a a discussion around and things like that Yep. as well.","start_word":4980,"end_word":5406,"sentiment":"neutral","sentiment_score":0.1126855884000345},{"text":"Perfect.","start_word":5407,"end_word":5407,"sentiment":"positive","sentiment_score":0.6697098016738892},{"text":"And within regards to risk profile, quickly run through that and just make sure Yeah. that's Yep. all up to date. Mhmm. But I have here previously that you have direct invest in direct shares. Is that correct? No. What was that? Sorry. I cut out just a little bit. No. No. You mean, do I did I have shares? Yeah. Have you, like, invested in direct shares previously? What's direct shares? Like, this Like, just this stock holding, market? like, companies, yeah, like, stocks. You know? I did, but I don't anymore. Yep. Because Okay. they gave Not a they problem. bought it. I had a buyback program, so I don't have any. Okay. Yep. And then in terms of your superannuation, there's a good chance that you might wanna sorta access some of it in the next sort of two or three years? Well, I gotta add to it. I can take that. So Yeah. yeah. I So would like to, but, no, I might have to add to it first. yeah. Not a problem. And then, obviously, with inflation and cost of living and things like that going up, would you still consider yourself a bit more of a moderate to risk taker in regards to being able to take on a bit more risk to outpace inflation and get more of a return while you are still working? What do you suggest? Well, as in terms of, like, if you just put it all in cash, you you know, you're probably getting just the, you know, the standard maybe a little bit more if you do, like, term deposits and bonds and things like that.","start_word":5408,"end_word":5686,"sentiment":"neutral","sentiment_score":0.034678650372344536},{"text":"But the inflation rate kinda eats away that in terms Edit.","start_word":5687,"end_word":5697,"sentiment":"negative","sentiment_score":-0.3938644528388977},{"text":"of, like, the Yes. inflation Yes. rate can get quite high. So Yep.","start_word":5698,"end_word":5710,"sentiment":"neutral","sentiment_score":-0.02658163011074066},{"text":"if you were to pull it all sort of out now, you sort of miss out on the opportunity for Oh, no. I wouldn't some do growth.","start_word":5711,"end_word":5737,"sentiment":"negative","sentiment_score":-0.3809998333454132},{"text":"that. Yeah. No. I wouldn't That's do that. fine. No. And given everything that is happening at the moment, obviously, you know, you see we did take a little bit of a a dive there just to I what's was happening expecting with the wars that. in Ukraine. Yeah. Yeah. Not to say it's a huge amount by any means. You still made quite a nice return over a twelve month period, but it could have been a Yep. lot better given Yeah. if Yeah. anything did happen. When things like that do occur and if it was to, like, drop by significant sort of amounts, would you still just hold and wait for it to improve, or would you sort of be a bit worried, looked at moving to more secure assets, or are you still, you know, I've been willing? I've just gone on what what whoever's been looking after advises me to do on those. Yeah. No. Because Understandable. he he they'll say, no. Don't be more do more risks or whatever. So I think whatever I'm in now is because that's what I was advised because one of the experts sent me on this. Yeah. No. Completely And so I understandable. take your advice on board.","start_word":5738,"end_word":5947,"sentiment":"neutral","sentiment_score":-0.06290066987276077},{"text":"Yep. Perfect. And then as far as, like, a return that you aimed here, you'd be happy to get obviously, you know, you got the higher end of things with that that 8% this year.","start_word":5948,"end_word":5982,"sentiment":"positive","sentiment_score":0.3981364071369171},{"text":"But, like, is it if you were getting sort of, you know, four to 6% in that bit more of a like, it's still somewhat growth, but defensive a little bit there as well, would you be comfortable if you were still getting, like, four or 6% per annum? I like more. Yeah. Obviously, big is always better. So that's fine. But if, you know, it's been advisable because of what's going on to be safe and fine. Yep.","start_word":5983,"end_word":6061,"sentiment":"neutral","sentiment_score":0.11479916423559187},{"text":"Not a problem at all.","start_word":6062,"end_word":6066,"sentiment":"positive","sentiment_score":0.3469863533973694},{"text":"And then in regards to borrowed money, like, obviously, circumstances were different, would you ever borrow money to invest in certain things like property and things like that if you were to have a house if circumstances were different? Oh, gotcha. Yeah. You're just Not wondering a problem that. at all. Yeah. No. Understandable there as well. That still does bring you to a bit more of a a moderate investor. Now within regards to what you currently hold you in that Vanguard portfolio just due to Yep. the Yep. cost of your lower balance, so Yep. that's in that oh, bear with me.","start_word":6067,"end_word":6170,"sentiment":"neutral","sentiment_score":0.12006042152643204},{"text":"The diversified balance sort of growth portfolio there as well. And it is still getting that nice return at at the moment in terms of what you you invested in, what the return you are getting.","start_word":6171,"end_word":6206,"sentiment":"positive","sentiment_score":0.4339852035045624},{"text":"Slightly Yep. more defensive in the sense that you do sort of probably have around the 40% in defensive assets, around the 60% of the growth assets. But that's also probably why you have sort of not taken a significant dive compared to some of those growth and high growth portfolios Yep. given that you do have some of that more defensive. They've gone backwards quite a bit, whereas Yep. your portfolio has held up quite nicely in terms of, like, what Yeah. has occurred Okay. in their current markets. Now Well, it's are good you advice still, I got there, wasn't it? yeah. Are you still happy with your your current portfolio at the moment and what you're currently invested Yeah. in? Yeah. Yeah. Yep. Yep. Yeah. Obviously, at year, we sort of still review it as well in terms Yep. of that and and what happened is happening. One thing I forgot to mention there as well, I had here on your that you were renting somewhat $200 per month. Is that still That doesn't the sound same? right, does it? Yeah.","start_word":6207,"end_word":6390,"sentiment":"neutral","sentiment_score":0.021040947864884915},{"text":"No. It's a bit odd.","start_word":6391,"end_word":6395,"sentiment":"negative","sentiment_score":-0.3717894554138184},{"text":"In terms Yeah. of I don't that think one? that came across. No. It might be some old data because as I said, there's a you've been on board for quite some time, so I was pulling from Yeah. a bunch of workbooks. That current residence here, are you renting that one at the moment, or is that Yep. do you know roughly what's the Yeah. I'm the just gonna have a look for it. It's about I think it's just a month. There were That's fine. things. And I don't think I mentioned it either, but apart from the car and the savings, do you have any other assets or liabilities that I didn't mention there at the moment there, Karen? I think so. I'll double just think about it for a sec, but Probably about, I think, about 2,800 a month. Yeah. No problem. I'll just get that updated then. Now in terms of, like, what we can do at the moment, Karen, given that your portfolio is tracking quite well and you don't wanna address your insurances just yet, We can look to leave things alone, Pranadi. I'm happy leaving the fees off just giving your current balance at the moment. Obviously, when we sort of look to maybe update your advice and do some joint advice, they might wanna chuck the fee on. At the moment, there's a coupling fee, so it's 1.1 if your spouse Oh, is on okay. board. Yeah. I see. Yes. So with that, I'm happy to leave it off at the moment just while we're not Thank looking you. at updating anything. And then should, you know, six to twelve months, we look at doing, like, maybe an advice piece, they might wanna put Mhmm. the the feedback on, but we'll Yep. we'll leave it off for now. In terms of, like, what comes next there, obviously, if you wanna address your insurances, that's more than fine and have a think Yeah. about that. Yeah. I I can do, even actually. send you some some quotes for you Yeah. to have Okay. a look at. Mhmm. With those two quotes, obviously, they'll be before the discounts apply, but I can show you what that $302.50 looks like when I email Yep. you through Yep. the budget planner as well. Yep. Okay. Mhmm. You can have a look at it. At least it gives you the cost difference and how that might change for you Yep. to review.","start_word":6396,"end_word":6811,"sentiment":"neutral","sentiment_score":0.04179526554742971},{"text":"And It then is a little bit good sometimes.","start_word":6812,"end_word":6820,"sentiment":"positive","sentiment_score":0.5132800340652466},{"text":"yeah.","start_word":6821,"end_word":6821,"sentiment":"neutral","sentiment_score":0.254619836807251},{"text":"Exactly. Yeah. It all adds up at the end of the day.","start_word":6822,"end_word":6833,"sentiment":"positive","sentiment_score":0.4110555648803711},{"text":"And then from this conversation there as well, they will send out the annual review pack. Obviously, in regards to ongoing service agreement, there won't be one because you're not paying a fee currently. Mhmm.","start_word":6834,"end_word":6868,"sentiment":"neutral","sentiment_score":0.12738293409347534},{"text":"Thank you.","start_word":6869,"end_word":6870,"sentiment":"positive","sentiment_score":0.4413956999778747},{"text":"But they'll show you your twelve month performance. They'll give you certificate of currency, a few other documents as well. I believe they'll also include a TFN opt in form. So where we're storing your tax file number, the form's just updated as well. Okay. From there, if they do have any other outstanding documents, they will just reach out. But I believe everything else is largely up to date. I'll just do a double check on your account. Super insurance beneficiary forms are up to date. ID is up to date. So I don't believe there's anything else that we need just at this moment. But is there anything else you wanna have a chat about, Karen, while you've got me anything in No. relation That sounds to pretty I think so. Oh, if you give me one sec. I just won't be a minute. I'll yeah. just No. That's just fine. got a question for Thank you. Your life insurance. Sure. We should drop. It's been 3,117 thousand. $2.50. Yeah. No. You That's still good. there? Yep. Yeah. I see. You dropped a 100. Yeah. Oh, I was trying what what do I have to say about my assets and my abilities? No. I think that's it. Yeah. I was struggling to think. We updated my car. No. So I took I don't have any more. Yep. No. That's fine. So you'll send me all the info anyway so I can go through it. And if and if I say I wanna drop my life insurance, I just email you back? Yeah. Because I'll you'll send send me that stuff. It'll have your you email there as well. yeah. I'll send you the the quotes with the the budget planner there as well. You can have a review of the 300 and the $2.50. As I said, when you see the quote, it doesn't include the actual rollover max. You do get a little bit of a discount paying through superannuation. That doesn't list. So the the amounts will look higher, but you'll get the 15% rebate Yeah. based Yep. on the yearly totals there. So it will be a little bit less than that as well. So just Yep. Yep. be mindful of that Yep. Yep. Yep. in regards to what you're actually paying, and then I'll include that budget planner for you guys to just be able to utilize to help sorta, you know, cover those bigger expenses and plan for those a little bit there as well and, you know, leisure activities, things like that. And then if you just respond to that one as well, we'll just get that quote. We'll get it signed.","start_word":6871,"end_word":7320,"sentiment":"neutral","sentiment_score":0.08409916450579961},{"text":"We'll get that sent off to the insurer, and that's as good as dusted for that one.","start_word":7321,"end_word":7337,"sentiment":"positive","sentiment_score":0.37112587690353394},{"text":"And then we'll just let you know when it goes in force. Okay. Yep.","start_word":7338,"end_word":7351,"sentiment":"neutral","sentiment_score":0.1742684245109558},{"text":"That sounds good.","start_word":7352,"end_word":7354,"sentiment":"positive","sentiment_score":0.44856029748916626},{"text":"Not a problem. But do you have any other questions for me, Karen, while you've got me there today? Just can you give me another second? Sorry. Yeah. No.","start_word":7355,"end_word":7383,"sentiment":"neutral","sentiment_score":0.05752320793168298},{"text":"You're perfectly fine. Take your time.","start_word":7384,"end_word":7389,"sentiment":"positive","sentiment_score":0.39028820395469666},{"text":"One eight. Give me another sec.","start_word":7390,"end_word":7395,"sentiment":"neutral","sentiment_score":-0.0006967536173760891},{"text":"Oh, it's grossed me a 100 times.","start_word":7396,"end_word":7402,"sentiment":"negative","sentiment_score":-0.5267709493637085},{"text":"Again? Yes, sir. He can. Yeah. I'm just just just seeing just seeing what my gross wage was. Well, anyway, I can reply to you anyway about that the the insurance anyway, so I don't keep any longer. And I just Yeah. gotta It's it's think about it. Yeah. not not a huge huge problem there anyway. Yeah. So once we were to update anything, we might need some more sort of concrete figures and things like that just so it's up to Yep. date. Okay. Yeah. Yeah. At the moment, I've just got you the take home, that 900, and then I believe it was previously around the 52 mark in terms of, like, what your sort of gross income was Yeah. as a total. Because I I was work when I was doing my friendship, I was working 38, and then I've now dropped to 30. So Okay. So I take my home a little bit there soon before. be a little bit yes. No. That's fine. So with that let's have a quick look down 52. So 900 times of 52 is around 46,800. Does that sound about sort of right in regards Yeah. to That sounds a bit wrong. Yeah. yeah. Okay. No problem. Yep. I'll just track that down. As I said, it doesn't sort of make a huge difference. So that's just sort of looking at updating things or doing sort of plans and things like Yeah. that Yeah. as well. Yeah. Yeah. So that's fine. As far as everything's concerned, if you are happy with everything and sort of get that annual review pack and sign everything, Yes, please. there isn't a whole heap that that needs to sort of change that we're concerned about at the moment with how your Mhmm. super is tracking. Obviously, Yes. you know, if I'm anything happy with does that. change in the future, feel free to to reach out and have a conversation Yep. Yep. around anything. But we'll also touch base in, like, another twelve months for that annual review, and Sounds you can perfect. maybe have a think about, yeah, what you guys are maybe Where it trying was? to I'm done. yeah. And trying to to look to do, so that's more than fine. And if you wanna take all your money and run at the end of the day, that's more than fine as well.","start_word":7403,"end_word":7805,"sentiment":"neutral","sentiment_score":0.05247035744616175},{"text":"We don't hold any. I'm not I'm not running far. That's the problem.","start_word":7806,"end_word":7818,"sentiment":"negative","sentiment_score":-0.4476734101772308},{"text":"Yeah. I I wanna don't run know. a The bit lot further. yeah. Understandable. And then, you know, there's always the lotto at the end of the day there as well. So fingers Well, that's crossed for I'm you. doing my best on that one. Yeah. Well, other than that there, Kyle, I'll let you get back to your afternoon. But in saying that, You if you too. do have any questions once that Yep. interview comes through, feel free to give us a call, come back with any question. Otherwise, Yep. you respond to that email. And if you wanna look at reducing it, we can get that action for Yeah. you as well.","start_word":7819,"end_word":7933,"sentiment":"neutral","sentiment_score":0.043210435658693314},{"text":"Okay. Thank you very much for your help. No problem at all, Cam. Well, you enjoy the rest of your night, and thanks. It's been a You pleasure. too. Thank you. Bye. Cheers. Bye.","start_word":7934,"end_word":7967,"sentiment":"positive","sentiment_score":0.6555289030075073}],"average":{"sentiment":"neutral","sentiment_score":0.021046533232064315}}}}