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We're trying a bit of working from home with the fuel shortage at the moment, and I'm just kind of looking at it. The sun's finally come out after three days, so loving it. No worries. What I wanted to call you about today, Susanna, was we were finalizing some updated advice for your superannuation, and I went through a whole bunch of research that was being done by Kyle, one of the advisers that you spoke to for some Uber shares inside your super. Does that ring a bell? Yes. So we've pretty much got an updated portfolio in mind for you, and I wanted to just finalize a couple of things with you today so I can get that sent through to you over the next week or two. Do you have about fifteen, twenty minutes for me today? Perfect. So no. That's perfect. And I will definitely leave you to that because I would absolutely love to jump on and play some games too, but I still got a few hours left. I've got your your fact find open in front of me with all of your details, and Sam was just telling me that you didn't really have any major changes over, I guess, the the sort of Christmas period and the New Year's. Everything's pretty well stable at your end. Yep. So I'm gonna go through a few portfolio ideas with you today. Before I do that, are you okay for me to do the usual security check with you? Perfect. So the calls are recorded for training and quality purposes, and I'm registered with Aptive as adviser one 273105. Could you please confirm your date of birth and address? Fantastic. Now I'm going through your goals that were captured by Carl as well just to make sure that's all current as well. The main thing that I can say for you is obviously we've got the superannuation, which we're trying to is bit of comfortable living a lifestyle with the family and making sure all debts are paid down by retirement. Does that sound right? Perfect. There was a note here that we're looking possibly towards the age of 67 for retirement with mortgage paid off in about $800 a week coming out in today's dollars, obviously, accounting for inflation. Does that still sound about right? Perfect. Occupation wise, we've got you doing traffic control and baking sorry, baker. Yep. So 85,000 for the annual income sound about right? Oh, fantastic. I don't know if you know what you're gonna end up with for this financial year between the two jobs. Oh, and we still got another month and a half to go? Yeah. So we're thinking, like, $1.20 or yep. Okay. I might even just double check your contributions and work those back just to clarify it, but one twenty sounds pretty close. Yeah. Fantastic. So hundred and five at the moment. 15. Okay. That's perfect. I'll put that in and update the contributions coming in and update the projections as well. So that way, it looks a little bit more accurate for you. Oh, nothing. Like, long distance work? Oh, yeah. Yeah. Oh, right. So you're getting a bit of a double dip. Yeah. Okay. Yeah. It's not like the same it's not a flat 12% on everything that you've earned. It's a lot less than that. Yep. Okay. Alright. Well, I'll factor that in. Thank you for that. Mhmm. Okay. Do you know are you just gonna do that salary sacrifice through the payroll system? You're gonna do that personally? How are you gonna do the transaction? Okay. Okay. And you were saying 100 a week? K. If you need any help with it, one of the things that we do for a lot of, like, self employed guys is they put in contributions through BPAY or EFT personally. And then when it comes to June each year, we do a notice of intent to claim form, prefill it for you, and help you claim it as a tax deduction if you're not gonna do it through salary sacrifice. So if that might be helpful for you. We'll organize it. We'll basically put in a catch up in, like, May, and we'll pretty much just fill out some forms for you, get you to sign it, send it off to the super fund. They code it with the tax office, and as long as you get the confirmation letter before you submit your tax return, you're good to go. Cool. So if salary sacrifice is not gonna work, we can do that for you. Yeah. Cool. So whether it's BPA or EST, once that comes in, it comes in as, like, a personal contribution. We do that for months a year. You get the deduction, and that's 5,200 down on your taxable income. Similar. Similar. So the employer and they've got all these reference numbers linking to your account. Whereas if you're gonna put it in from, like, your bank account as an example, you can do a direct, like, BPAY or EFT debit, and that can just go in regularly too. So whichever one works for you, we can send it through to you. Yep. Absolutely. So what I'll do is I'll get the BPA details sent through to you. We'll go through a bit of an updated plan in about a week or two's time with all of the investment changes and everything with updated projections for you, and then you should be pretty well sweet for the financial year. Cool. So the last couple of things I wanted to go over with you was just a couple of quick checks on your assets and then the portfolio ideas, and then I'll pretty well have a good direction from there. Cool. So in terms of assets, we've got two cars, about 25 worth of vehicles in those two cars, about thousand dollars in bank in terms of savings. Is that still pretty accurate, or is it changed quite a bit? Yep. Perfect. I get you. I get you. I'll just say cash saving. Yep. Yep. Oh, no. My wife the same thing under control and rolling properly, and we have to do separate accounts. And I pulled some cash out, and so this is your fund money for the week. And, yeah, I understand completely. Yeah. Fantastic. So build up the savings. Do you still have the the credit cards and the personal one that you're trying to knock down? Yep. Cool. So I think Sensational. Oh, well done. You're you're doing everything right. Savings building up, super's building up. Anything else on the cards for you? Yeah. Yeah. Okay. Yeah. Fantastic. So then are you doing everything right? So is there anything else that you're you're gonna build towards after that? Like, obviously, debts will be paid down, your savings will be up. Is there a sort of medium term goal for what to do after you're back on track? Yeah. Yeah. Need a bit of assistance there. Yep. Georgia. Oh, so in a good spot to save up some cash. Okay. I think all sounds like worthy goals. I've got those updated. Go. Just quickly on just before I jump into the super there, in terms of the state planning, I think you've got beneficiary nominations split between Anna, Pedro, and Catherine. Can I just double check with you their relations here? Yep. Okay. Sister and nephew. Thank you. And did you say sorry. Catherine, would you mind? Sorry. Catherine's sister, Petra nephew. K. Just bear in mind that, obviously, government makes it a bit of a pain in the butt when it comes to beneficiary nominations, and usually, you gotta send all of that into, like, a will to get it off to people who aren't financially dependent. So I can leave it alone, but just wanted to remind you about the old will situation. Yep. Touch wood. That'd be fantastic. Lot of, like, regulations and checks and measures in place. Yeah. Yeah. Oh, that's fantastic. Okay. Oh, wow. Oh, yeah. So it's not even one of those, like, one lane goes at a time thing. It's just straight up close it and detail. Yeah. Oh. Yeah. Right. Okay. But still feels pretty safe either way. Cool. Alright. Good to hear. Good to hear. Alright. I'm just gonna go over your super investments with you because I wanted to kind of I had a bit of an idea for you, run it by you. If you remember with your super, we've got you in, like, a pretty high growth setup. Most of your super is in, like, shares and property, only about five to 10% is in the safer side to try and get you as much growth as possible. Does that ring a bell? Yep. So if you're in high growth, we've got about 90 in growth assets, which is like shares and property, high risk, high return, and about five to 10% in safer asset. Cool. So I'm assuming because retirement's a good twenty, twenty seven years away, you're still okay with the old ups and downs and trying to get all that growth until you're a bit closer to retirement and then protect it then? Yeah. Because the whole idea is you get those returns where it goes up 20% a year. Every seven years of the crash, because COVID, GFC, we use that. Yep. And we use that as a buying opportunity. We do contributions. We repeat that every year. So we're gonna be a year before retirement and lose half your super. Cool. So the two questions I've got for you sorry. Go. Yeah. Yeah. Mhmm. Oh, thank you. One of the things that I use as a bit of an analogy is like house prices. Right? If you buy a house for $600,000 or I get a million now, and if that dropped down to 800,000, is that a signal to rush off and go and sell it and crystallize the loss, or do you go, oh, I've been picking up a couple investment properties now and have three. Yeah. And that's what we kinda do is we just buy when it goes down for a cheaper price, and we don't sell anything to crystallize any losses until you're actually at retirement, and you need to start funding a pension. Cool. So one thing that I'm gonna do is in your portfolio, most of the investments have been going up very, very well. All your shares and gold, 6%, 7%, 34% growth doing very good. The only one that's a concern for me at the moment is your Australian shares, which haven't been doing too well. And the other Australian shares options. So I wanna just when we're talking about the whole mixing in a bit of Uber, I wanna just do a bit of an engine tune up on the portfolio and switch that option out as well. Yeah. We can. So the research that I've got is they'll kind of check-in if you had any in your current investments anyway. One thing that we can do is there's about it's only very small. We've got 0.28% of one of your investments goes into Uber already. We've got a few $100 in there because, obviously, it buys, like, 200 shares sorry, 200 companies, and one of them includes Uber as well. Yeah. Yep. Absolutely. So what I wanna do is there was a bit of an idea that possibly you were looking at maybe at least having a couple of grand in there, maybe $2,000, if possible. Yeah. So what I might do is sometimes these platforms, you can buy that share directly. And if you want that mixed in, I'm gonna double check today if they can let you buy it as a single shareholding alongside all your other investments. And we can put in, like, a maximum of, say, 10% into that one. It's not gonna throw everything out of weight too crazy. Like, I wouldn't go up up. Putting it in there. Yep. Yeah. Yeah. So I reckon five to 10% might be possible, and I'm gonna double check that as well. So I'll put all that together with a bit of an update on the portfolio. I'll see if I can mix in the Uber shares in there as well, and I'll add that extra contribution so I can show you kind of what that's gonna do to the super as well. Cool. Susanna, do you have any preference? Like, there's no wrong answer for this one, but we can do passive or active investments. One being very low fee and follows the market pretty closely. The other side of things pays a slightly higher investment fee to try and get a higher return. Do you have a strong leaning between the two or a preference? Mhmm. Yeah. So we've got you in a bit of a blend at the moment. Okay. I might continue that sort of blend that we've got going at the moment because we use a bit of both. And if you're happy with that, I can find a bit of a replacement. Cool. And the last question I've got for you is just there was a note there that you're really not interested in, like, insurances and things like that. So I just wanted to ask the question again about life insurance, disability, income protection, all that kind of thing. Perfect. Just grow the super, save the fees and premiums, and let it catch up. Yeah. And if you end up getting a mortgage down the line, you can add a bit of life insurance or something to pay off off the mortgage. But at the moment, if you focus on this on growing things and building the savings, but we're here to tailor things to to your life. Awesome. Now we've gone through quite a bit today. So, again, I'll go through that stated plan with you in a couple of weeks time just to show you all the figures and changes and what it looks like. Do you have any questions for me so far? Yep. Yeah. It's sort of bouncing around. Yeah. It's like a that high growth is like a $20 up and down every couple of weeks at the moment. Yeah. Yep. Still up. Yep. Absolutely. Cool. So I'll put all this together. Look. I appreciate it because, yeah, I appreciate it because it means that, like, we're all on the same page with where we're trying to get to. We just need to do our job and keep reviewing things and and optimizing it every now and then. And sometimes part of our job is a bit of like a psychological coaching because people do get prone to panicking, and that's a part of it too. So, Susan, if it's okay with you, I was just checking through the file, and I'm gonna get the team to call you in about a week's time just to get you booked back in with me to go through that document with you. Do you have any kind of preferred days and times, or should we just give you a call and book it in a bit close to the day? Mhmm. Yes. Okay. Yeah. Gotcha. Cool. What I might do as well, if you're still comfortable with everything that we're doing, I we need to still be remaining as active advisers on your Netwealth account. So I was gonna send you through a bit of an annual review pack and, like, an updated service agreement if you're still happy for us to remain on there. Cool. So when you get that document, it's gonna come through from our new overview system. First one might go to your spam box, but everything after that should be cool. And it'll just have the usual, like, the 1.65% in the fees, the $600,000 cap, and the 12 month consent. And once we've got all that up there, we can obviously move things around on the account and still have transaction access. Cool. Other than that, just expect a call in a week or two to have a quick chat with me, and I'll go through that portfolio with you. And I'll send you those details hopefully today or Monday. Perfect. And just to double check, that'll be more like next financial year coming July. Right? Yep. Perfect. Alrighty. I'll add that in the plan too. Well, thank you so much for your time, Susanna. Any questions for me before I let you go? I know you said you don't have many at the moment, but Awesome, Susanna. I might send you the usual text message if you're happy to give us a a review and your feedback. And, look, it's been absolutely lovely talking to you today. I hope you have a fantastic weekend. Absolutely. Again, I'll be jumping on the games and going straight out of it. Alright, mate. Thank you. I'll talk to you soon. 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afternoon, Susanna. No worries at all. Hi, Susanna. It's Tommy here. I'm the senior adviser at ITU.\n\nHow are you going today? Great to hear. Oh, it's an absolute beautiful Friday. We're trying a bit of working from home with the fuel shortage at the moment, and I'm just kind of looking at it. The sun's finally come out after three days, so loving it.\n\nNo worries. What I wanted to call you about today, Susanna, was we were finalizing some updated advice for your superannuation, and I went through a whole bunch of research that was being done by Kyle, one of the advisers that you spoke to for some Uber shares inside your super. Does that ring a bell? Yes. So we've pretty much got an updated portfolio in mind for you, and I wanted to just finalize a couple of things with you today so I can get that sent through to you over the next week or two.\n\nDo you have about fifteen, twenty minutes for me today? Perfect. So no. That's perfect. And I will definitely leave you to that because I would absolutely love to jump on and play some games too, but I still got a few hours left.\n\nI've got your your fact find open in front of me with all of your details, and Sam was just telling me that you didn't really have any major changes over, I guess, the the sort of Christmas period and the New Year's. Everything's pretty well stable at your end. Yep. So I'm gonna go through a few portfolio ideas with you today. Before I do that, are you okay for me to do the usual security check with you?\n\nPerfect. So the calls are recorded for training and quality purposes, and I'm registered with Aptive as adviser one 273105. Could you please confirm your date of birth and address? Fantastic. Now I'm going through your goals that were captured by Carl as well just to make sure that's all current as well.\n\nThe main thing that I can say for you is obviously we've got the superannuation, which we're trying to is bit of comfortable living a lifestyle with the family and making sure all debts are paid down by retirement. Does that sound right? Perfect. There was a note here that we're looking possibly towards the age of 67 for retirement with mortgage paid off in about $800 a week coming out in today's dollars, obviously, accounting for inflation. Does that still sound about right?\n\nPerfect. Occupation wise, we've got you doing traffic control and baking sorry, baker. Yep. So 85,000 for the annual income sound about right? Oh, fantastic.\n\nI don't know if you know what you're gonna end up with for this financial year between the two jobs. Oh, and we still got another month and a half to go? Yeah. So we're thinking, like, $1.20 or yep. Okay.\n\nI might even just double check your contributions and work those back just to clarify it, but one twenty sounds pretty close. Yeah. Fantastic. So hundred and five at the moment. 15.\n\nOkay. That's perfect. I'll put that in and update the contributions coming in and update the projections as well. So that way, it looks a little bit more accurate for you. Oh, nothing.\n\nLike, long distance work? Oh, yeah. Yeah. Oh, right. So you're getting a bit of a double dip.\n\nYeah. Okay. Yeah. It's not like the same it's not a flat 12% on everything that you've earned. It's a lot less than that.\n\nYep. Okay. Alright. Well, I'll factor that in. Thank you for that.\n\nMhmm. Okay. Do you know are you just gonna do that salary sacrifice through the payroll system? You're gonna do that personally? How are you gonna do the transaction?\n\nOkay. Okay. And you were saying 100 a week? K. If you need any help with it, one of the things that we do for a lot of, like, self employed guys is they put in contributions through BPAY or EFT personally.\n\nAnd then when it comes to June each year, we do a notice of intent to claim form, prefill it for you, and help you claim it as a tax deduction if you're not gonna do it through salary sacrifice. So if that might be helpful for you. We'll organize it. We'll basically put in a catch up in, like, May, and we'll pretty much just fill out some forms for you, get you to sign it, send it off to the super fund. They code it with the tax office, and as long as you get the confirmation letter before you submit your tax return, you're good to go.\n\nCool. So if salary sacrifice is not gonna work, we can do that for you. Yeah. Cool. So whether it's BPA or EST, once that comes in, it comes in as, like, a personal contribution.\n\nWe do that for months a year. You get the deduction, and that's 5,200 down on your taxable income. Similar. Similar. So the employer and they've got all these reference numbers linking to your account.\n\nWhereas if you're gonna put it in from, like, your bank account as an example, you can do a direct, like, BPAY or EFT debit, and that can just go in regularly too. So whichever one works for you, we can send it through to you. Yep. Absolutely. So what I'll do is I'll get the BPA details sent through to you.\n\nWe'll go through a bit of an updated plan in about a week or two's time with all of the investment changes and everything with updated projections for you, and then you should be pretty well sweet for the financial year. Cool. So the last couple of things I wanted to go over with you was just a couple of quick checks on your assets and then the portfolio ideas, and then I'll pretty well have a good direction from there. Cool. So in terms of assets, we've got two cars, about 25 worth of vehicles in those two cars, about thousand dollars in bank in terms of savings.\n\nIs that still pretty accurate, or is it changed quite a bit? Yep. Perfect. I get you. I get you.\n\nI'll just say cash saving. Yep. Yep. Oh, no. My wife the same thing under control and rolling properly, and we have to do separate accounts.\n\nAnd I pulled some cash out, and so this is your fund money for the week. And, yeah, I understand completely. Yeah. Fantastic. So build up the savings.\n\nDo you still have the the credit cards and the personal one that you're trying to knock down? Yep. Cool. So I think Sensational. Oh, well done.\n\nYou're you're doing everything right. Savings building up, super's building up. Anything else on the cards for you? Yeah. Yeah.\n\nOkay. Yeah. Fantastic. So then are you doing everything right? So is there anything else that you're you're gonna build towards after that?\n\nLike, obviously, debts will be paid down, your savings will be up. Is there a sort of medium term goal for what to do after you're back on track? Yeah. Yeah. Need a bit of assistance there.\n\nYep. Georgia. Oh, so in a good spot to save up some cash. Okay. I think all sounds like worthy goals.\n\nI've got those updated. Go. Just quickly on just before I jump into the super there, in terms of the state planning, I think you've got beneficiary nominations split between Anna, Pedro, and Catherine. Can I just double check with you their relations here? Yep.\n\nOkay. Sister and nephew. Thank you. And did you say sorry. Catherine, would you mind?\n\nSorry. Catherine's sister, Petra nephew. K. Just bear in mind that, obviously, government makes it a bit of a pain in the butt when it comes to beneficiary nominations, and usually, you gotta send all of that into, like, a will to get it off to people who aren't financially dependent. So I can leave it alone, but just wanted to remind you about the old will situation.\n\nYep. Touch wood. That'd be fantastic. Lot of, like, regulations and checks and measures in place. Yeah.\n\nYeah. Oh, that's fantastic. Okay. Oh, wow. Oh, yeah.\n\nSo it's not even one of those, like, one lane goes at a time thing. It's just straight up close it and detail. Yeah. Oh. Yeah.\n\nRight. Okay. But still feels pretty safe either way. Cool. Alright.\n\nGood to hear. Good to hear. Alright. I'm just gonna go over your super investments with you because I wanted to kind of I had a bit of an idea for you, run it by you. If you remember with your super, we've got you in, like, a pretty high growth setup.\n\nMost of your super is in, like, shares and property, only about five to 10% is in the safer side to try and get you as much growth as possible. Does that ring a bell? Yep. So if you're in high growth, we've got about 90 in growth assets, which is like shares and property, high risk, high return, and about five to 10% in safer asset. Cool.\n\nSo I'm assuming because retirement's a good twenty, twenty seven years away, you're still okay with the old ups and downs and trying to get all that growth until you're a bit closer to retirement and then protect it then? Yeah. Because the whole idea is you get those returns where it goes up 20% a year. Every seven years of the crash, because COVID, GFC, we use that. Yep.\n\nAnd we use that as a buying opportunity. We do contributions. We repeat that every year. So we're gonna be a year before retirement and lose half your super. Cool.\n\nSo the two questions I've got for you sorry. Go. Yeah. Yeah. Mhmm.\n\nOh, thank you. One of the things that I use as a bit of an analogy is like house prices. Right? If you buy a house for $600,000 or I get a million now, and if that dropped down to 800,000, is that a signal to rush off and go and sell it and crystallize the loss, or do you go, oh, I've been picking up a couple investment properties now and have three. Yeah.\n\nAnd that's what we kinda do is we just buy when it goes down for a cheaper price, and we don't sell anything to crystallize any losses until you're actually at retirement, and you need to start funding a pension. Cool. So one thing that I'm gonna do is in your portfolio, most of the investments have been going up very, very well. All your shares and gold, 6%, 7%, 34% growth doing very good. The only one that's a concern for me at the moment is your Australian shares, which haven't been doing too well.\n\nAnd the other Australian shares options. So I wanna just when we're talking about the whole mixing in a bit of Uber, I wanna just do a bit of an engine tune up on the portfolio and switch that option out as well. Yeah. We can. So the research that I've got is they'll kind of check-in if you had any in your current investments anyway.\n\nOne thing that we can do is there's about it's only very small. We've got 0.28% of one of your investments goes into Uber already. We've got a few $100 in there because, obviously, it buys, like, 200 shares sorry, 200 companies, and one of them includes Uber as well. Yeah. Yep.\n\nAbsolutely. So what I wanna do is there was a bit of an idea that possibly you were looking at maybe at least having a couple of grand in there, maybe $2,000, if possible. Yeah. So what I might do is sometimes these platforms, you can buy that share directly. And if you want that mixed in, I'm gonna double check today if they can let you buy it as a single shareholding alongside all your other investments.\n\nAnd we can put in, like, a maximum of, say, 10% into that one. It's not gonna throw everything out of weight too crazy. Like, I wouldn't go up up. Putting it in there. Yep.\n\nYeah. Yeah. So I reckon five to 10% might be possible, and I'm gonna double check that as well. So I'll put all that together with a bit of an update on the portfolio. I'll see if I can mix in the Uber shares in there as well, and I'll add that extra contribution so I can show you kind of what that's gonna do to the super as well.\n\nCool. Susanna, do you have any preference? Like, there's no wrong answer for this one, but we can do passive or active investments. One being very low fee and follows the market pretty closely. The other side of things pays a slightly higher investment fee to try and get a higher return.\n\nDo you have a strong leaning between the two or a preference? Mhmm. Yeah. So we've got you in a bit of a blend at the moment. Okay.\n\nI might continue that sort of blend that we've got going at the moment because we use a bit of both. And if you're happy with that, I can find a bit of a replacement. Cool. And the last question I've got for you is just there was a note there that you're really not interested in, like, insurances and things like that. So I just wanted to ask the question again about life insurance, disability, income protection, all that kind of thing.\n\nPerfect. Just grow the super, save the fees and premiums, and let it catch up. Yeah. And if you end up getting a mortgage down the line, you can add a bit of life insurance or something to pay off off the mortgage. But at the moment, if you focus on this on growing things and building the savings, but we're here to tailor things to to your life.\n\nAwesome. Now we've gone through quite a bit today. So, again, I'll go through that stated plan with you in a couple of weeks time just to show you all the figures and changes and what it looks like. Do you have any questions for me so far? Yep.\n\nYeah. It's sort of bouncing around. Yeah. It's like a that high growth is like a $20 up and down every couple of weeks at the moment. Yeah.\n\nYep. Still up. Yep. Absolutely. Cool.\n\nSo I'll put all this together. Look. I appreciate it because, yeah, I appreciate it because it means that, like, we're all on the same page with where we're trying to get to. We just need to do our job and keep reviewing things and and optimizing it every now and then. And sometimes part of our job is a bit of like a psychological coaching because people do get prone to panicking, and that's a part of it too.\n\nSo, Susan, if it's okay with you, I was just checking through the file, and I'm gonna get the team to call you in about a week's time just to get you booked back in with me to go through that document with you. Do you have any kind of preferred days and times, or should we just give you a call and book it in a bit close to the day? Mhmm. Yes. Okay.\n\nYeah. Gotcha. Cool. What I might do as well, if you're still comfortable with everything that we're doing, I we need to still be remaining as active advisers on your Netwealth account. So I was gonna send you through a bit of an annual review pack and, like, an updated service agreement if you're still happy for us to remain on there.\n\nCool. So when you get that document, it's gonna come through from our new overview system. First one might go to your spam box, but everything after that should be cool. And it'll just have the usual, like, the 1.65% in the fees, the $600,000 cap, and the 12 month consent. And once we've got all that up there, we can obviously move things around on the account and still have transaction access.\n\nCool. Other than that, just expect a call in a week or two to have a quick chat with me, and I'll go through that portfolio with you. And I'll send you those details hopefully today or Monday. Perfect. And just to double check, that'll be more like next financial year coming July.\n\nRight? Yep. Perfect. Alrighty. I'll add that in the plan too.\n\nWell, thank you so much for your time, Susanna. Any questions for me before I let you go? I know you said you don't have many at the moment, but Awesome, Susanna. I might send you the usual text message if you're happy to give us a a review and your feedback. And, look, it's been absolutely lovely talking to you today.\n\nI hope you have a fantastic weekend. Absolutely. Again, I'll be jumping on the games and going straight out of it. Alright, mate. Thank you.\n\nI'll talk to you soon. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Susanna.","start":4.88,"end":6.16,"sentiment":"neutral","sentiment_score":0.2971990704536438},{"text":"No worries at all.","start":6.16,"end":7.2999997,"sentiment":"neutral","sentiment_score":0.14964036457240582},{"text":"Hi, Susanna.","start":11.28,"end":12.0,"sentiment":"neutral","sentiment_score":0.1761244609951973},{"text":"It's Tommy here.","start":12.0,"end":12.799999,"sentiment":"neutral","sentiment_score":0.120745450258255},{"text":"I'm the senior adviser at ITU.","start":12.799999,"end":14.32,"sentiment":"neutral","sentiment_score":0.11564686770240466}],"sentiment":"neutral","sentiment_score":0.1610291749238968,"num_words":18,"start":4.88,"end":14.32},{"sentences":[{"text":"How are you going today?","start":14.32,"end":15.46,"sentiment":"neutral","sentiment_score":0.2294011414051056},{"text":"Great to hear.","start":19.845,"end":20.824999,"sentiment":"positive","sentiment_score":0.6199789841969808},{"text":"Oh, it's an absolute beautiful Friday.","start":21.605,"end":24.965,"sentiment":"positive","sentiment_score":0.5888562500476837},{"text":"We're trying a bit of working from home with the fuel shortage at the moment, and I'm just kind of looking at it.","start":24.965,"end":30.48,"sentiment":"neutral","sentiment_score":0.21429222789795502},{"text":"The sun's finally come out after three days, so loving it.","start":30.48,"end":33.94,"sentiment":"positive","sentiment_score":0.5395745811137286}],"sentiment":"positive","sentiment_score":0.3625858707043032,"num_words":48,"start":14.32,"end":33.94},{"sentences":[{"text":"No worries.","start":36.8,"end":37.54,"sentiment":"neutral","sentiment_score":0.1379363164305687},{"text":"What I wanted to call you about today, Susanna, was we were finalizing some updated advice for your superannuation, and I went through a whole bunch of research that was being done by Kyle, one of the advisers that you spoke to for some Uber shares inside your super.","start":37.68,"end":56.835,"sentiment":"neutral","sentiment_score":0.05523620059295577},{"text":"Does that ring a bell?","start":56.835,"end":57.975,"sentiment":"neutral","sentiment_score":0.028969914466142655},{"text":"Yes.","start":59.75,"end":60.25,"sentiment":"neutral","sentiment_score":0.12294008582830428},{"text":"So we've pretty much got an updated portfolio in mind for you, and I wanted to just finalize a couple of things with you today so I can get that sent through to you over the next week or two.","start":60.63,"end":73.05,"sentiment":"neutral","sentiment_score":0.18464072998613118}],"sentiment":"neutral","sentiment_score":0.10964809607752819,"num_words":97,"start":36.8,"end":73.05},{"sentences":[{"text":"Do you have about fifteen, twenty minutes for me today?","start":73.255005,"end":76.235,"sentiment":"neutral","sentiment_score":0.05169263631105423},{"text":"Perfect.","start":78.855,"end":79.355,"sentiment":"neutral","sentiment_score":0.2185610830783844},{"text":"So no.","start":79.575005,"end":82.135,"sentiment":"neutral","sentiment_score":0.07333820685744286},{"text":"That's perfect.","start":82.135,"end":82.695,"sentiment":"neutral","sentiment_score":0.27610789239406586},{"text":"And I will definitely leave you to that because I would absolutely love to jump on and play some games too, but I still got a few hours left.","start":82.695,"end":89.035,"sentiment":"neutral","sentiment_score":0.265782714018534}],"sentiment":"neutral","sentiment_score":0.20777450798248703,"num_words":44,"start":73.255005,"end":89.035},{"sentences":[{"text":"I've got your your fact find open in front of me with all of your details, and Sam was just telling me that you didn't really have any major changes over, I guess, the the sort of Christmas period and the New Year's.","start":92.67,"end":105.625,"sentiment":"neutral","sentiment_score":0.07276349575367085},{"text":"Everything's pretty well stable at your end.","start":105.625,"end":107.725,"sentiment":"neutral","sentiment_score":0.2071480346577508},{"text":"Yep.","start":110.345,"end":110.744995,"sentiment":"neutral","sentiment_score":0.0817403718829155},{"text":"So I'm gonna go through a few portfolio ideas with you today.","start":110.744995,"end":114.284996,"sentiment":"neutral","sentiment_score":0.09343068301677704},{"text":"Before I do that, are you okay for me to do the usual security check with you?","start":114.54,"end":118.48,"sentiment":"neutral","sentiment_score":0.0271708234487211}],"sentiment":"neutral","sentiment_score":0.07804598908405751,"num_words":80,"start":92.67,"end":118.48},{"sentences":[{"text":"Perfect.","start":120.62,"end":121.100006,"sentiment":"neutral","sentiment_score":0.20022407174110413},{"text":"So the calls are recorded for training and quality purposes, and I'm registered with Aptive as adviser one 273105.","start":121.100006,"end":128.8,"sentiment":"neutral","sentiment_score":0.06190593756343189},{"text":"Could you please confirm your date of birth and address?","start":128.975,"end":131.875,"sentiment":"neutral","sentiment_score":0.02753646895289421},{"text":"Fantastic.","start":139.535,"end":140.035,"sentiment":"positive","sentiment_score":0.8124583959579468},{"text":"Now I'm going through your goals that were captured by Carl as well just to make sure that's all current as well.","start":140.815,"end":148.40999,"sentiment":"positive","sentiment_score":0.49949485063552856}],"sentiment":"neutral","sentiment_score":0.2538329563191477,"num_words":53,"start":120.62,"end":148.40999},{"sentences":[{"text":"The main thing that I can say for you is obviously we've got the superannuation, which we're trying to is bit of comfortable living a lifestyle with the family and making sure all debts are paid down by retirement.","start":149.26999,"end":164.54501,"sentiment":"neutral","sentiment_score":0.2441998880643111},{"text":"Does that sound right?","start":164.60501,"end":165.66501,"sentiment":"neutral","sentiment_score":0.13739254511892796},{"text":"Perfect.","start":167.645,"end":168.145,"sentiment":"positive","sentiment_score":0.5566447377204895},{"text":"There was a note here that we're looking possibly towards the age of 67 for retirement with mortgage paid off in about $800 a week coming out in today's dollars, obviously, accounting for inflation.","start":168.68501,"end":181.31999,"sentiment":"neutral","sentiment_score":0.0734196738613879},{"text":"Does that still sound about right?","start":181.37999,"end":183.0,"sentiment":"neutral","sentiment_score":0.03124363658328851}],"sentiment":"neutral","sentiment_score":0.15849692004156254,"num_words":84,"start":149.26999,"end":183.0},{"sentences":[{"text":"Perfect.","start":185.06,"end":185.56,"sentiment":"neutral","sentiment_score":0.2164199948310852},{"text":"Occupation wise, we've got you doing traffic control and baking sorry, baker.","start":187.165,"end":193.505,"sentiment":"neutral","sentiment_score":0.0372264472146829},{"text":"Yep.","start":195.405,"end":195.905,"sentiment":"neutral","sentiment_score":0.06221085414290428},{"text":"So 85,000 for the annual income sound about right?","start":196.285,"end":200.76,"sentiment":"neutral","sentiment_score":0.013193484602702988},{"text":"Oh, fantastic.","start":204.2,"end":204.93999,"sentiment":"positive","sentiment_score":0.33954986929893494}],"sentiment":"neutral","sentiment_score":0.06092757262289524,"num_words":25,"start":185.06,"end":204.93999},{"sentences":[{"text":"I don't know if you know what you're gonna end up with for this financial year between the two jobs.","start":205.64,"end":210.93999,"sentiment":"neutral","sentiment_score":0.034739360213279724},{"text":"Oh, and we still got another month and a half to go?","start":219.25499,"end":222.795,"sentiment":"neutral","sentiment_score":-0.036106072288627424},{"text":"Yeah.","start":227.92,"end":228.42,"sentiment":"neutral","sentiment_score":-0.03571390360593796},{"text":"So we're thinking, like, $1.20 or yep.","start":230.64,"end":236.5,"sentiment":"neutral","sentiment_score":-0.04275846215231078},{"text":"Okay.","start":247.61499,"end":248.11499,"sentiment":"neutral","sentiment_score":0.0030512306839227676}],"sentiment":"neutral","sentiment_score":-0.0017184773460030556,"num_words":41,"start":205.64,"end":248.11499},{"sentences":[{"text":"I might even just double check your contributions and work those back just to clarify it, but one twenty sounds pretty close.","start":249.055,"end":255.91,"sentiment":"neutral","sentiment_score":0.01778553460131992},{"text":"Yeah.","start":261.88998,"end":262.29,"sentiment":"neutral","sentiment_score":0.15244314074516296},{"text":"Fantastic.","start":262.29,"end":262.79,"sentiment":"positive","sentiment_score":0.3429069519042969},{"text":"So hundred and five at the moment.","start":262.93,"end":264.95,"sentiment":"neutral","sentiment_score":0.13894687380109513},{"text":"15.","start":270.705,"end":271.685,"sentiment":"neutral","sentiment_score":0.0628870353102684}],"sentiment":"neutral","sentiment_score":0.060067093931138515,"num_words":32,"start":249.055,"end":271.685},{"sentences":[{"text":"Okay.","start":271.825,"end":272.325,"sentiment":"neutral","sentiment_score":0.12316463142633438},{"text":"That's perfect.","start":273.025,"end":274.145,"sentiment":"positive","sentiment_score":0.47674596309661865},{"text":"I'll put that in and update the contributions coming in and update the projections as well.","start":274.145,"end":280.50998,"sentiment":"neutral","sentiment_score":0.2173785138875246},{"text":"So that way, it looks a little bit more accurate for you.","start":280.50998,"end":284.69,"sentiment":"neutral","sentiment_score":0.0927537123983105},{"text":"Oh, nothing.","start":294.445,"end":295.745,"sentiment":"neutral","sentiment_score":-0.321023553609848}],"sentiment":"neutral","sentiment_score":0.15229424913272713,"num_words":33,"start":271.825,"end":295.745},{"sentences":[{"text":"Like, long distance work?","start":307.88,"end":309.26,"sentiment":"neutral","sentiment_score":-0.059439475648105145},{"text":"Oh, yeah.","start":319.73502,"end":320.375,"sentiment":"neutral","sentiment_score":-0.07196973264217377},{"text":"Yeah.","start":320.375,"end":320.875,"sentiment":"neutral","sentiment_score":-0.06810510158538818},{"text":"Oh, right.","start":337.88,"end":338.52,"sentiment":"neutral","sentiment_score":-0.060807909816503525},{"text":"So you're getting a bit of a double dip.","start":338.52,"end":340.38,"sentiment":"neutral","sentiment_score":-0.14618366004692185}],"sentiment":"neutral","sentiment_score":-0.10483729052874777,"num_words":18,"start":307.88,"end":340.38},{"sentences":[{"text":"Yeah.","start":353.73502,"end":354.135,"sentiment":"neutral","sentiment_score":-0.09248945116996764},{"text":"Okay.","start":354.135,"end":354.635,"sentiment":"neutral","sentiment_score":-0.13276958465576172},{"text":"Yeah.","start":362.84,"end":363.15997,"sentiment":"neutral","sentiment_score":-0.17860232293605804},{"text":"It's not like the same it's not a flat 12% on everything that you've earned.","start":363.15997,"end":366.86,"sentiment":"negative","sentiment_score":-0.3808421512444814},{"text":"It's a lot less than that.","start":366.91998,"end":368.145,"sentiment":"neutral","sentiment_score":-0.29069967071215314}],"sentiment":"neutral","sentiment_score":-0.3275288188209136,"num_words":24,"start":353.73502,"end":368.145},{"sentences":[{"text":"Yep.","start":369.025,"end":369.425,"sentiment":"neutral","sentiment_score":0.03477223217487335},{"text":"Okay.","start":369.425,"end":369.925,"sentiment":"neutral","sentiment_score":0.0559515580534935},{"text":"Alright.","start":370.705,"end":371.10498,"sentiment":"neutral","sentiment_score":0.1074802428483963},{"text":"Well, I'll factor that in.","start":371.10498,"end":372.305,"sentiment":"neutral","sentiment_score":0.11922435909509659},{"text":"Thank you for that.","start":372.305,"end":373.205,"sentiment":"positive","sentiment_score":0.3849346190690994}],"sentiment":"neutral","sentiment_score":0.1945053587357203,"num_words":12,"start":369.025,"end":373.205},{"sentences":[{"text":"Mhmm.","start":374.065,"end":374.565,"sentiment":"neutral","sentiment_score":-0.0351700596511364},{"text":"Okay.","start":385.68,"end":386.18,"sentiment":"neutral","sentiment_score":0.04227670282125473},{"text":"Do you know are you just gonna do that salary sacrifice through the payroll system?","start":386.32,"end":390.0,"sentiment":"neutral","sentiment_score":0.026579269394278526},{"text":"You're gonna do that personally?","start":390.0,"end":391.30002,"sentiment":"neutral","sentiment_score":0.02293486837297678},{"text":"How are you gonna do the transaction?","start":391.36002,"end":392.74,"sentiment":"neutral","sentiment_score":0.0009160619229078293}],"sentiment":"neutral","sentiment_score":0.01816836066929431,"num_words":29,"start":374.065,"end":392.74},{"sentences":[{"text":"Okay.","start":405.415,"end":405.73502,"sentiment":"neutral","sentiment_score":0.023931976407766346},{"text":"Okay.","start":405.73502,"end":406.055,"sentiment":"neutral","sentiment_score":0.01718839444220066},{"text":"And you were saying 100 a week?","start":406.055,"end":407.73,"sentiment":"neutral","sentiment_score":-0.007850825786590576},{"text":"K.","start":409.89,"end":410.39,"sentiment":"neutral","sentiment_score":-0.03243768587708473},{"text":"If you need any help with it, one of the things that we do for a lot of, like, self employed guys is they put in contributions through BPAY or EFT personally.","start":410.61002,"end":419.67,"sentiment":"neutral","sentiment_score":0.1494986021425575}],"sentiment":"neutral","sentiment_score":0.11280195650068067,"num_words":42,"start":405.415,"end":419.67},{"sentences":[{"text":"And then when it comes to June each year, we do a notice of intent to claim form, prefill it for you, and help you claim it as a tax deduction if you're not gonna do it through salary sacrifice.","start":419.97498,"end":431.655,"sentiment":"neutral","sentiment_score":0.13511152593418957},{"text":"So if that might be helpful for you.","start":431.655,"end":433.595,"sentiment":"neutral","sentiment_score":0.211762810125947},{"text":"We'll organize it.","start":440.71,"end":441.83,"sentiment":"neutral","sentiment_score":0.24974367519219717},{"text":"We'll basically put in a catch up in, like, May, and we'll pretty much just fill out some forms for you, get you to sign it, send it off to the super fund.","start":441.83,"end":451.095,"sentiment":"neutral","sentiment_score":0.2672196443785321},{"text":"They code it with the tax office, and as long as you get the confirmation letter before you submit your tax return, you're good to go.","start":451.095,"end":458.555,"sentiment":"positive","sentiment_score":0.3368156271485182}],"sentiment":"neutral","sentiment_score":0.23112044649367983,"num_words":110,"start":419.97498,"end":458.555},{"sentences":[{"text":"Cool.","start":462.78,"end":463.02002,"sentiment":"positive","sentiment_score":0.5778555870056152},{"text":"So if salary sacrifice is not gonna work, we can do that for you.","start":463.02002,"end":466.56,"sentiment":"neutral","sentiment_score":-0.0351532655102866},{"text":"Yeah.","start":482.79498,"end":483.035,"sentiment":"positive","sentiment_score":0.347680002450943},{"text":"Cool.","start":483.035,"end":483.35498,"sentiment":"positive","sentiment_score":0.49957823753356934},{"text":"So whether it's BPA or EST, once that comes in, it comes in as, like, a personal contribution.","start":483.35498,"end":488.41498,"sentiment":"neutral","sentiment_score":0.24234485626220703}],"sentiment":"neutral","sentiment_score":0.1512907292161669,"num_words":35,"start":462.78,"end":488.41498},{"sentences":[{"text":"We do that for months a year.","start":488.76,"end":490.36002,"sentiment":"neutral","sentiment_score":0.3049675439085279},{"text":"You get the deduction, and that's 5,200 down on your taxable income.","start":490.36002,"end":495.74002,"sentiment":"positive","sentiment_score":0.3663790225982666},{"text":"Similar.","start":511.49503,"end":511.99503,"sentiment":"neutral","sentiment_score":0.06219653785228729},{"text":"Similar.","start":512.85504,"end":513.335,"sentiment":"neutral","sentiment_score":0.06181564927101135},{"text":"So the employer and they've got all these reference numbers linking to your account.","start":513.335,"end":521.32,"sentiment":"neutral","sentiment_score":0.08137264688100133}],"sentiment":"neutral","sentiment_score":0.22270143777132034,"num_words":35,"start":488.76,"end":521.32},{"sentences":[{"text":"Whereas if you're gonna put it in from, like, your bank account as an example, you can do a direct, like, BPAY or EFT debit, and that can just go in regularly too.","start":521.62,"end":531.58496,"sentiment":"neutral","sentiment_score":0.1464587025570147},{"text":"So whichever one works for you, we can send it through to you.","start":531.58496,"end":538.88495,"sentiment":"neutral","sentiment_score":0.19079866776099572},{"text":"Yep.","start":547.24,"end":547.63995,"sentiment":"positive","sentiment_score":0.389687716960907},{"text":"Absolutely.","start":547.63995,"end":548.13995,"sentiment":"positive","sentiment_score":0.6848369836807251},{"text":"So what I'll do is I'll get the BPA details sent through to you.","start":548.19995,"end":551.89996,"sentiment":"positive","sentiment_score":0.4342685980456216}],"sentiment":"neutral","sentiment_score":0.2333516925573349,"num_words":62,"start":521.62,"end":551.89996},{"sentences":[{"text":"We'll go through a bit of an updated plan in about a week or two's time with all of the investment changes and everything with updated projections for you, and then you should be pretty well sweet for the financial year.","start":552.27997,"end":563.47504,"sentiment":"positive","sentiment_score":0.45653391465908144},{"text":"Cool.","start":566.335,"end":566.835,"sentiment":"positive","sentiment_score":0.6332099437713623},{"text":"So the last couple of things I wanted to go over with you was just a couple of quick checks on your assets and then the portfolio ideas, and then I'll pretty well have a good direction from there.","start":567.05505,"end":579.07,"sentiment":"neutral","sentiment_score":0.2542442087179575},{"text":"Cool.","start":583.71497,"end":584.035,"sentiment":"positive","sentiment_score":0.3960455656051636},{"text":"So in terms of assets, we've got two cars, about 25 worth of vehicles in those two cars, about thousand dollars in bank in terms of savings.","start":584.035,"end":595.415,"sentiment":"neutral","sentiment_score":0.08588036963785137}],"sentiment":"neutral","sentiment_score":0.29340770762037793,"num_words":109,"start":552.27997,"end":595.415},{"sentences":[{"text":"Is that still pretty accurate, or is it changed quite a bit?","start":595.555,"end":598.35,"sentiment":"neutral","sentiment_score":0.00757319200783968},{"text":"Yep.","start":608.50995,"end":609.00995,"sentiment":"neutral","sentiment_score":0.16890184581279755},{"text":"Perfect.","start":609.47,"end":609.79,"sentiment":"positive","sentiment_score":0.43698978424072266},{"text":"I get you.","start":609.79,"end":610.35,"sentiment":"neutral","sentiment_score":0.287793571750323},{"text":"I get you.","start":610.35,"end":611.17,"sentiment":"neutral","sentiment_score":0.19729227324326834}],"sentiment":"neutral","sentiment_score":0.10760137345641851,"num_words":20,"start":595.555,"end":611.17},{"sentences":[{"text":"I'll just say cash saving.","start":611.855,"end":613.71497,"sentiment":"neutral","sentiment_score":0.044330150634050366},{"text":"Yep.","start":622.33496,"end":622.83496,"sentiment":"neutral","sentiment_score":0.051329534500837326},{"text":"Yep.","start":623.87,"end":624.37,"sentiment":"neutral","sentiment_score":-0.07797487080097198},{"text":"Oh, no.","start":633.15,"end":633.47,"sentiment":"neutral","sentiment_score":-0.03324190620332956},{"text":"My wife the same thing under control and rolling properly, and we have to do separate accounts.","start":633.47,"end":641.805,"sentiment":"neutral","sentiment_score":-0.006522253374843036}],"sentiment":"neutral","sentiment_score":0.0006785883496587093,"num_words":26,"start":611.855,"end":641.805},{"sentences":[{"text":"And I pulled some cash out, and so this is your fund money for the week.","start":641.805,"end":644.76495,"sentiment":"neutral","sentiment_score":0.0578613905236125},{"text":"And, yeah, I understand completely.","start":644.76495,"end":646.785,"sentiment":"neutral","sentiment_score":0.08309872001409531},{"text":"Yeah.","start":662.055,"end":662.555,"sentiment":"neutral","sentiment_score":-0.03721410408616066},{"text":"Fantastic.","start":677.93,"end":678.43,"sentiment":"positive","sentiment_score":0.6830490231513977},{"text":"So build up the savings.","start":678.57,"end":680.91,"sentiment":"neutral","sentiment_score":0.19162027686834335}],"sentiment":"neutral","sentiment_score":0.10518614828054394,"num_words":28,"start":641.805,"end":680.91},{"sentences":[{"text":"Do you still have the the credit cards and the personal one that you're trying to knock down?","start":681.85,"end":685.94995,"sentiment":"neutral","sentiment_score":0.002638694778498676},{"text":"Yep.","start":687.755,"end":688.15497,"sentiment":"neutral","sentiment_score":0.07739737629890442},{"text":"Cool.","start":688.15497,"end":688.39496,"sentiment":"neutral","sentiment_score":0.15844304859638214},{"text":"So I think Sensational.","start":688.39496,"end":695.375,"sentiment":"neutral","sentiment_score":0.05715580377727747},{"text":"Oh, well done.","start":697.035,"end":697.915,"sentiment":"positive","sentiment_score":0.4927286704381307}],"sentiment":"neutral","sentiment_score":0.07370911693821351,"num_words":27,"start":681.85,"end":697.915},{"sentences":[{"text":"You're you're doing everything right.","start":697.915,"end":699.615,"sentiment":"neutral","sentiment_score":0.2694915860891342},{"text":"Savings building up, super's building up.","start":705.62006,"end":707.94,"sentiment":"neutral","sentiment_score":0.29724690318107605},{"text":"Anything else on the cards for you?","start":707.94,"end":709.80005,"sentiment":"neutral","sentiment_score":0.05912512806909425},{"text":"Yeah.","start":721.15497,"end":721.65497,"sentiment":"neutral","sentiment_score":-0.0639791190624237},{"text":"Yeah.","start":735.81,"end":736.31,"sentiment":"neutral","sentiment_score":-0.024023279547691345}],"sentiment":"neutral","sentiment_score":0.1728406423702836,"num_words":20,"start":697.915,"end":736.31},{"sentences":[{"text":"Okay.","start":745.90497,"end":746.40497,"sentiment":"neutral","sentiment_score":0.16183628141880035},{"text":"Yeah.","start":748.625,"end":749.125,"sentiment":"neutral","sentiment_score":0.03408978879451752},{"text":"Fantastic.","start":759.58,"end":760.08,"sentiment":"positive","sentiment_score":0.46724092960357666},{"text":"So then are you doing everything right?","start":760.38,"end":761.9,"sentiment":"neutral","sentiment_score":0.1385904507977622},{"text":"So is there anything else that you're you're gonna build towards after that?","start":761.9,"end":765.555,"sentiment":"neutral","sentiment_score":0.12647049931379464}],"sentiment":"neutral","sentiment_score":0.1424963759339374,"num_words":23,"start":745.90497,"end":765.555},{"sentences":[{"text":"Like, obviously, debts will be paid down, your savings will be up.","start":765.555,"end":768.115,"sentiment":"neutral","sentiment_score":0.1416960023343563},{"text":"Is there a sort of medium term goal for what to do after you're back on track?","start":768.115,"end":771.735,"sentiment":"neutral","sentiment_score":0.053352749303859824},{"text":"Yeah.","start":779.09,"end":779.59,"sentiment":"neutral","sentiment_score":-0.031928252428770065},{"text":"Yeah.","start":788.22504,"end":788.72504,"sentiment":"neutral","sentiment_score":0.04336851090192795},{"text":"Need a bit of assistance there.","start":788.945,"end":790.565,"sentiment":"neutral","sentiment_score":0.11384764375785987}],"sentiment":"neutral","sentiment_score":0.08923986181616783,"num_words":37,"start":765.555,"end":790.565},{"sentences":[{"text":"Yep.","start":807.28,"end":807.78,"sentiment":"neutral","sentiment_score":0.0801706463098526},{"text":"Georgia.","start":808.4,"end":808.9,"sentiment":"neutral","sentiment_score":0.04411818087100983},{"text":"Oh, so in a good spot to save up some cash.","start":823.565,"end":825.745,"sentiment":"positive","sentiment_score":0.41188078305938025},{"text":"Okay.","start":829.57,"end":830.07,"sentiment":"positive","sentiment_score":0.3498157262802124},{"text":"I think all sounds like worthy goals.","start":832.37006,"end":834.55005,"sentiment":"positive","sentiment_score":0.5016908858503614}],"sentiment":"positive","sentiment_score":0.4055537794317518,"num_words":21,"start":807.28,"end":834.55005},{"sentences":[{"text":"I've got those updated.","start":834.85004,"end":836.15,"sentiment":"positive","sentiment_score":0.35802123695611954},{"text":"Go.","start":838.45,"end":838.95,"sentiment":"neutral","sentiment_score":0.08116218447685242},{"text":"Just quickly on just before I jump into the super there, in terms of the state planning, I think you've got beneficiary nominations split between Anna, Pedro, and Catherine.","start":839.36505,"end":849.945,"sentiment":"neutral","sentiment_score":0.05430044869667497},{"text":"Can I just double check with you their relations here?","start":852.57996,"end":856.51996,"sentiment":"neutral","sentiment_score":0.03768205866217613},{"text":"Yep.","start":861.13995,"end":861.63995,"sentiment":"neutral","sentiment_score":0.046626344323158264}],"sentiment":"neutral","sentiment_score":0.07803126834332944,"num_words":45,"start":834.85004,"end":861.63995},{"sentences":[{"text":"Okay.","start":864.245,"end":864.745,"sentiment":"neutral","sentiment_score":0.05849438160657883},{"text":"Sister and nephew.","start":866.325,"end":868.185,"sentiment":"neutral","sentiment_score":0.05997462446490923},{"text":"Thank you.","start":868.485,"end":869.305,"sentiment":"neutral","sentiment_score":0.28139202296733856},{"text":"And did you say sorry.","start":871.605,"end":873.285,"sentiment":"neutral","sentiment_score":0.017836064100265503},{"text":"Catherine, would you mind?","start":873.285,"end":874.505,"sentiment":"neutral","sentiment_score":0.00308719533495605}],"sentiment":"neutral","sentiment_score":0.06018209351847569,"num_words":15,"start":864.245,"end":874.505},{"sentences":[{"text":"Sorry.","start":878.82,"end":879.32,"sentiment":"neutral","sentiment_score":-0.026389004662632946},{"text":"Catherine's sister, Petra nephew.","start":881.54004,"end":884.04004,"sentiment":"neutral","sentiment_score":0.005155019927769899},{"text":"K.","start":885.78,"end":886.28,"sentiment":"neutral","sentiment_score":-0.007237442769110203},{"text":"Just bear in mind that, obviously, government makes it a bit of a pain in the butt when it comes to beneficiary nominations, and usually, you gotta send all of that into, like, a will to get it off to people who aren't financially dependent.","start":886.34,"end":899.595,"sentiment":"neutral","sentiment_score":-0.07791291222804123},{"text":"So I can leave it alone, but just wanted to remind you about the old will situation.","start":899.655,"end":904.22,"sentiment":"neutral","sentiment_score":-0.04737067989566747}],"sentiment":"neutral","sentiment_score":-0.06359395553248332,"num_words":68,"start":878.82,"end":904.22},{"sentences":[{"text":"Yep.","start":911.0,"end":911.5,"sentiment":"neutral","sentiment_score":0.011303022503852844},{"text":"Touch wood.","start":913.56,"end":914.27997,"sentiment":"neutral","sentiment_score":-0.008501737844198942},{"text":"That'd be fantastic.","start":914.27997,"end":915.26,"sentiment":"neutral","sentiment_score":0.1142328957406183},{"text":"Lot of, like, regulations and checks and measures in place.","start":925.50494,"end":928.785,"sentiment":"neutral","sentiment_score":0.00489835967309773},{"text":"Yeah.","start":928.785,"end":929.285,"sentiment":"neutral","sentiment_score":0.03958095610141754}],"sentiment":"neutral","sentiment_score":0.02503310510998263,"num_words":17,"start":911.0,"end":929.285},{"sentences":[{"text":"Yeah.","start":947.265,"end":947.765,"sentiment":"neutral","sentiment_score":0.03813352435827255},{"text":"Oh, that's fantastic.","start":958.57,"end":959.63,"sentiment":"positive","sentiment_score":0.4834282696247101},{"text":"Okay.","start":968.09,"end":968.59,"sentiment":"neutral","sentiment_score":0.03484358638525009},{"text":"Oh, wow.","start":973.475,"end":974.135,"sentiment":"neutral","sentiment_score":0.09409597516059875},{"text":"Oh, yeah.","start":986.85004,"end":987.17,"sentiment":"neutral","sentiment_score":0.06770631484687328}],"sentiment":"neutral","sentiment_score":0.20520738884806633,"num_words":9,"start":947.265,"end":987.17},{"sentences":[{"text":"So it's not even one of those, like, one lane goes at a time thing.","start":987.17,"end":990.13,"sentiment":"neutral","sentiment_score":0.06116439625620842},{"text":"It's just straight up close it and detail.","start":990.13,"end":992.23,"sentiment":"neutral","sentiment_score":0.08334982581436634},{"text":"Yeah.","start":999.34503,"end":999.84503,"sentiment":"neutral","sentiment_score":0.012077780440449716},{"text":"Oh.","start":1003.745,"end":1004.245,"sentiment":"neutral","sentiment_score":-0.029502706602215767},{"text":"Yeah.","start":1014.07996,"end":1014.39996,"sentiment":"neutral","sentiment_score":0.017398633062839508}],"sentiment":"neutral","sentiment_score":0.06093224066381271,"num_words":26,"start":987.17,"end":1014.39996},{"sentences":[{"text":"Right.","start":1014.39996,"end":1014.72,"sentiment":"neutral","sentiment_score":0.05264361947774887},{"text":"Okay.","start":1014.72,"end":1015.22,"sentiment":"neutral","sentiment_score":0.07527384161949158},{"text":"But still feels pretty safe either way.","start":1015.83997,"end":1018.01996,"sentiment":"neutral","sentiment_score":0.2754630765744618},{"text":"Cool.","start":1022.01495,"end":1022.175,"sentiment":"neutral","sentiment_score":-0.1892159134149551},{"text":"Alright.","start":1022.175,"end":1022.675,"sentiment":"neutral","sentiment_score":-0.09121955931186676}],"sentiment":"neutral","sentiment_score":0.1614294113083319,"num_words":11,"start":1014.39996,"end":1022.675},{"sentences":[{"text":"Good to hear.","start":1025.215,"end":1025.775,"sentiment":"neutral","sentiment_score":0.2683185835679372},{"text":"Good to hear.","start":1025.775,"end":1026.6749,"sentiment":"neutral","sentiment_score":0.3063610643148422},{"text":"Alright.","start":1031.6,"end":1032.1,"sentiment":"neutral","sentiment_score":0.032347239553928375},{"text":"I'm just gonna go over your super investments with you because I wanted to kind of I had a bit of an idea for you, run it by you.","start":1033.5199,"end":1042.74,"sentiment":"neutral","sentiment_score":0.112880682380035},{"text":"If you remember with your super, we've got you in, like, a pretty high growth setup.","start":1043.455,"end":1048.195,"sentiment":"neutral","sentiment_score":0.04536757944151759}],"sentiment":"neutral","sentiment_score":0.11068860083245315,"num_words":52,"start":1025.215,"end":1048.195},{"sentences":[{"text":"Most of your super is in, like, shares and property, only about five to 10% is in the safer side to try and get you as much growth as possible.","start":1048.815,"end":1056.355,"sentiment":"neutral","sentiment_score":0.03094292717675368},{"text":"Does that ring a bell?","start":1056.4149,"end":1057.5549,"sentiment":"neutral","sentiment_score":0.0423486515879631},{"text":"Yep.","start":1067.8,"end":1068.3,"sentiment":"neutral","sentiment_score":0.08323771506547928},{"text":"So if you're in high growth, we've got about 90 in growth assets, which is like shares and property, high risk, high return, and about five to 10% in safer asset.","start":1068.3601,"end":1080.5349,"sentiment":"neutral","sentiment_score":0.06639563628742771},{"text":"Cool.","start":1083.57,"end":1084.0499,"sentiment":"positive","sentiment_score":0.4700608849525452}],"sentiment":"neutral","sentiment_score":0.055170505855451614,"num_words":68,"start":1048.815,"end":1084.0499},{"sentences":[{"text":"So I'm assuming because retirement's a good twenty, twenty seven years away, you're still okay with the old ups and downs and trying to get all that growth until you're a bit closer to retirement and then protect it then?","start":1084.0499,"end":1097.055,"sentiment":"neutral","sentiment_score":0.08767637368291617},{"text":"Yeah.","start":1099.935,"end":1100.175,"sentiment":"neutral","sentiment_score":0.14671242237091064},{"text":"Because the whole idea is you get those returns where it goes up 20% a year.","start":1100.175,"end":1104.515,"sentiment":"neutral","sentiment_score":0.1674834256991744},{"text":"Every seven years of the crash, because COVID, GFC, we use that.","start":1104.5751,"end":1108.755,"sentiment":"neutral","sentiment_score":0.0016344785690307617},{"text":"Yep.","start":1109.3899,"end":1109.5499,"sentiment":"neutral","sentiment_score":0.1198464035987854}],"sentiment":"neutral","sentiment_score":0.09247089039002146,"num_words":70,"start":1084.0499,"end":1109.5499},{"sentences":[{"text":"And we use that as a buying opportunity.","start":1109.5499,"end":1111.33,"sentiment":"neutral","sentiment_score":0.1332154255360365},{"text":"We do contributions.","start":1111.47,"end":1112.37,"sentiment":"neutral","sentiment_score":0.0763799970348676},{"text":"We repeat that every year.","start":1112.99,"end":1114.61,"sentiment":"neutral","sentiment_score":0.014160246402025223},{"text":"So we're gonna be a year before retirement and lose half your super.","start":1114.6699,"end":1120.9299,"sentiment":"neutral","sentiment_score":-0.06844018772244453},{"text":"Cool.","start":1126.9249,"end":1127.1649,"sentiment":"neutral","sentiment_score":0.22116699814796448}],"sentiment":"neutral","sentiment_score":0.023236972838640214,"num_words":30,"start":1109.5499,"end":1127.1649},{"sentences":[{"text":"So the two questions I've got for you sorry.","start":1127.1649,"end":1129.725,"sentiment":"neutral","sentiment_score":0.057101405329174466},{"text":"Go.","start":1129.725,"end":1130.225,"sentiment":"neutral","sentiment_score":-0.004690110683441162},{"text":"Yeah.","start":1147.515,"end":1148.015,"sentiment":"neutral","sentiment_score":-0.022480176761746407},{"text":"Yeah.","start":1151.995,"end":1152.495,"sentiment":"neutral","sentiment_score":0.026137087494134903},{"text":"Mhmm.","start":1167.53,"end":1167.61,"sentiment":"positive","sentiment_score":0.3710397779941559}],"sentiment":"neutral","sentiment_score":0.06799378661582103,"num_words":13,"start":1127.1649,"end":1167.61},{"sentences":[{"text":"Oh, thank you.","start":1167.61,"end":1168.59,"sentiment":"neutral","sentiment_score":0.28277358909447986},{"text":"One of the things that I use as a bit of an analogy is like house prices.","start":1170.025,"end":1174.265,"sentiment":"neutral","sentiment_score":-0.01096775645718855},{"text":"Right?","start":1174.265,"end":1174.765,"sentiment":"neutral","sentiment_score":-0.013738999143242836},{"text":"If you buy a house for $600,000 or I get a million now, and if that dropped down to 800,000, is that a signal to rush off and go and sell it and crystallize the loss, or do you go, oh, I've been picking up a couple investment properties now and have three.","start":1174.8251,"end":1190.2101,"sentiment":"neutral","sentiment_score":-0.07286507924491505},{"text":"Yeah.","start":1194.67,"end":1194.9901,"sentiment":"neutral","sentiment_score":0.011990412138402462}],"sentiment":"neutral","sentiment_score":-0.042689718392988046,"num_words":75,"start":1167.61,"end":1194.9901},{"sentences":[{"text":"And that's what we kinda do is we just buy when it goes down for a cheaper price, and we don't sell anything to crystallize any losses until you're actually at retirement, and you need to start funding a pension.","start":1194.9901,"end":1205.155,"sentiment":"neutral","sentiment_score":-0.030584081867709757},{"text":"Cool.","start":1208.495,"end":1208.995,"sentiment":"positive","sentiment_score":0.5200701355934143},{"text":"So one thing that I'm gonna do is in your portfolio, most of the investments have been going up very, very well.","start":1211.13,"end":1218.91,"sentiment":"positive","sentiment_score":0.34165859019214456},{"text":"All your shares and gold, 6%, 7%, 34% growth doing very good.","start":1219.8501,"end":1225.7101,"sentiment":"positive","sentiment_score":0.4455697288115819},{"text":"The only one that's a concern for me at the moment is your Australian shares, which haven't been doing too well.","start":1226.205,"end":1232.465,"sentiment":"neutral","sentiment_score":-0.23436587765103295}],"sentiment":"neutral","sentiment_score":0.07539947041853641,"num_words":96,"start":1194.9901,"end":1232.465},{"sentences":[{"text":"And the other Australian shares options.","start":1232.845,"end":1240.32,"sentiment":"neutral","sentiment_score":-0.1596113865574201},{"text":"So I wanna just when we're talking about the whole mixing in a bit of Uber, I wanna just do a bit of an engine tune up on the portfolio and switch that option out as well.","start":1240.86,"end":1250.48,"sentiment":"neutral","sentiment_score":-0.07607217908308313},{"text":"Yeah.","start":1259.0651,"end":1259.385,"sentiment":"neutral","sentiment_score":0.04299028962850571},{"text":"We can.","start":1259.385,"end":1259.945,"sentiment":"neutral","sentiment_score":0.036987822502851486},{"text":"So the research that I've got is they'll kind of check-in if you had any in your current investments anyway.","start":1259.945,"end":1265.725,"sentiment":"neutral","sentiment_score":-0.008901123015675694}],"sentiment":"neutral","sentiment_score":-0.05808174956208942,"num_words":66,"start":1232.845,"end":1265.725},{"sentences":[{"text":"One thing that we can do is there's about it's only very small.","start":1267.1399,"end":1271.7999,"sentiment":"neutral","sentiment_score":-0.031706166095458545},{"text":"We've got 0.28% of one of your investments goes into Uber already.","start":1272.4199,"end":1279.48,"sentiment":"neutral","sentiment_score":-0.01085060501160721},{"text":"We've got a few $100 in there because, obviously, it buys, like, 200 shares sorry, 200 companies, and one of them includes Uber as well.","start":1280.58,"end":1291.6951,"sentiment":"neutral","sentiment_score":0.02033490303903818},{"text":"Yeah.","start":1305.5599,"end":1306.0599,"sentiment":"neutral","sentiment_score":0.006790017243474722},{"text":"Yep.","start":1312.305,"end":1312.625,"sentiment":"neutral","sentiment_score":0.3281031847000122}],"sentiment":"neutral","sentiment_score":0.005786122279599882,"num_words":52,"start":1267.1399,"end":1312.625},{"sentences":[{"text":"Absolutely.","start":1312.625,"end":1313.125,"sentiment":"positive","sentiment_score":0.48727095127105713},{"text":"So what I wanna do is there was a bit of an idea that possibly you were looking at maybe at least having a couple of grand in there, maybe $2,000, if possible.","start":1313.745,"end":1324.3099,"sentiment":"neutral","sentiment_score":0.18233581564643167},{"text":"Yeah.","start":1328.9299,"end":1329.4299,"sentiment":"neutral","sentiment_score":0.13962993025779724},{"text":"So what I might do is sometimes these platforms, you can buy that share directly.","start":1329.57,"end":1334.87,"sentiment":"neutral","sentiment_score":0.15184517900149028},{"text":"And if you want that mixed in, I'm gonna double check today if they can let you buy it as a single shareholding alongside all your other investments.","start":1335.4099,"end":1344.105,"sentiment":"neutral","sentiment_score":0.16713228449225426}],"sentiment":"neutral","sentiment_score":0.17437646729059708,"num_words":78,"start":1312.625,"end":1344.105},{"sentences":[{"text":"And we can put in, like, a maximum of, say, 10% into that one.","start":1344.805,"end":1349.785,"sentiment":"neutral","sentiment_score":0.18054541519709996},{"text":"It's not gonna throw everything out of weight too crazy.","start":1350.5651,"end":1353.125,"sentiment":"neutral","sentiment_score":-0.05369290448725224},{"text":"Like, I wouldn't go up up.","start":1353.125,"end":1354.7,"sentiment":"neutral","sentiment_score":-0.021027615914742153},{"text":"Putting it in there.","start":1357.72,"end":1358.7799,"sentiment":"neutral","sentiment_score":0.08979219198226929},{"text":"Yep.","start":1381.99,"end":1382.49,"sentiment":"neutral","sentiment_score":0.2101374864578247}],"sentiment":"neutral","sentiment_score":0.06953849505100931,"num_words":35,"start":1344.805,"end":1382.49},{"sentences":[{"text":"Yeah.","start":1388.23,"end":1388.71,"sentiment":"neutral","sentiment_score":0.17023888230323792},{"text":"Yeah.","start":1388.71,"end":1389.21,"sentiment":"neutral","sentiment_score":0.17229755222797394},{"text":"So I reckon five to 10% might be possible, and I'm gonna double check that as well.","start":1389.4299,"end":1398.4149,"sentiment":"neutral","sentiment_score":0.20702711536603816},{"text":"So I'll put all that together with a bit of an update on the portfolio.","start":1398.4149,"end":1401.635,"sentiment":"neutral","sentiment_score":0.18741132219632467},{"text":"I'll see if I can mix in the Uber shares in there as well, and I'll add that extra contribution so I can show you kind of what that's gonna do to the super as well.","start":1402.4149,"end":1412.35,"sentiment":"neutral","sentiment_score":0.30240146526032025}],"sentiment":"neutral","sentiment_score":0.2508517139724323,"num_words":70,"start":1388.23,"end":1412.35},{"sentences":[{"text":"Cool.","start":1415.37,"end":1415.87,"sentiment":"positive","sentiment_score":0.4685280323028565},{"text":"Susanna, do you have any preference?","start":1416.09,"end":1417.5299,"sentiment":"neutral","sentiment_score":0.11648982266585033},{"text":"Like, there's no wrong answer for this one, but we can do passive or active investments.","start":1417.5299,"end":1424.5549,"sentiment":"neutral","sentiment_score":0.12397874752059579},{"text":"One being very low fee and follows the market pretty closely.","start":1425.095,"end":1428.875,"sentiment":"neutral","sentiment_score":0.24623096937483008},{"text":"The other side of things pays a slightly higher investment fee to try and get a higher return.","start":1429.415,"end":1435.595,"sentiment":"neutral","sentiment_score":0.029391200385159917}],"sentiment":"neutral","sentiment_score":0.12285979228237501,"num_words":52,"start":1415.37,"end":1435.595},{"sentences":[{"text":"Do you have a strong leaning between the two or a preference?","start":1435.92,"end":1439.06,"sentiment":"neutral","sentiment_score":0.020608019394179184},{"text":"Mhmm.","start":1449.775,"end":1450.275,"sentiment":"neutral","sentiment_score":-0.18340668082237244},{"text":"Yeah.","start":1460.255,"end":1460.495,"sentiment":"neutral","sentiment_score":0.050629179924726486},{"text":"So we've got you in a bit of a blend at the moment.","start":1460.495,"end":1462.835,"sentiment":"neutral","sentiment_score":0.05544987636116835},{"text":"Okay.","start":1464.0299,"end":1464.5299,"sentiment":"neutral","sentiment_score":0.0514095351099968}],"sentiment":"neutral","sentiment_score":0.03167059498706034,"num_words":28,"start":1435.92,"end":1464.5299},{"sentences":[{"text":"I might continue that sort of blend that we've got going at the moment because we use a bit of both.","start":1467.1499,"end":1471.5499,"sentiment":"neutral","sentiment_score":0.10104971698352269},{"text":"And if you're happy with that, I can find a bit of a replacement.","start":1471.5499,"end":1474.5299,"sentiment":"neutral","sentiment_score":0.16862374703798974},{"text":"Cool.","start":1482.1951,"end":1482.675,"sentiment":"neutral","sentiment_score":0.15269403159618378},{"text":"And the last question I've got for you is just there was a note there that you're really not interested in, like, insurances and things like that.","start":1482.675,"end":1489.0751,"sentiment":"neutral","sentiment_score":-0.18460194476776653},{"text":"So I just wanted to ask the question again about life insurance, disability, income protection, all that kind of thing.","start":1489.0751,"end":1495.12,"sentiment":"neutral","sentiment_score":-0.07673831600695849}],"sentiment":"neutral","sentiment_score":-0.022693352796227098,"num_words":83,"start":1467.1499,"end":1495.12},{"sentences":[{"text":"Perfect.","start":1500.14,"end":1500.64,"sentiment":"positive","sentiment_score":0.35838931798934937},{"text":"Just grow the super, save the fees and premiums, and let it catch up.","start":1501.66,"end":1505.52,"sentiment":"neutral","sentiment_score":0.32669783383607864},{"text":"Yeah.","start":1514.8151,"end":1515.135,"sentiment":"neutral","sentiment_score":0.06014250963926315},{"text":"And if you end up getting a mortgage down the line, you can add a bit of life insurance or something to pay off off the mortgage.","start":1515.135,"end":1519.86,"sentiment":"neutral","sentiment_score":0.08500349921760736},{"text":"But at the moment, if you focus on this on growing things and building the savings, but we're here to tailor things to to your life.","start":1519.86,"end":1527.32,"sentiment":"neutral","sentiment_score":0.11031331695043124}],"sentiment":"neutral","sentiment_score":0.14718177131768587,"num_words":69,"start":1500.14,"end":1527.32},{"sentences":[{"text":"Awesome.","start":1533.3151,"end":1533.8151,"sentiment":"positive","sentiment_score":0.5823202729225159},{"text":"Now we've gone through quite a bit today.","start":1533.9551,"end":1535.635,"sentiment":"neutral","sentiment_score":0.32090661115944386},{"text":"So, again, I'll go through that stated plan with you in a couple of weeks time just to show you all the figures and changes and what it looks like.","start":1535.635,"end":1542.595,"sentiment":"neutral","sentiment_score":0.28940842201312383},{"text":"Do you have any questions for me so far?","start":1542.595,"end":1544.615,"sentiment":"neutral","sentiment_score":0.06706313581930266},{"text":"Yep.","start":1564.175,"end":1564.675,"sentiment":"neutral","sentiment_score":0.0973971113562584}],"sentiment":"neutral","sentiment_score":0.2557712480881993,"num_words":49,"start":1533.3151,"end":1564.675},{"sentences":[{"text":"Yeah.","start":1583.5651,"end":1583.885,"sentiment":"neutral","sentiment_score":-0.1457880735397339},{"text":"It's sort of bouncing around.","start":1583.885,"end":1585.425,"sentiment":"negative","sentiment_score":-0.3420016050338745},{"text":"Yeah.","start":1587.245,"end":1587.725,"sentiment":"neutral","sentiment_score":-0.03932122141122818},{"text":"It's like a that high growth is like a $20 up and down every couple of weeks at the moment.","start":1587.725,"end":1592.465,"sentiment":"neutral","sentiment_score":-0.1025419432669878},{"text":"Yeah.","start":1605.02,"end":1605.3401,"sentiment":"neutral","sentiment_score":0.11226992309093475}],"sentiment":"neutral","sentiment_score":-0.13691736651318415,"num_words":28,"start":1583.5651,"end":1605.3401},{"sentences":[{"text":"Yep.","start":1605.3401,"end":1605.74,"sentiment":"neutral","sentiment_score":0.15967874228954315},{"text":"Still up.","start":1605.74,"end":1606.48,"sentiment":"neutral","sentiment_score":0.22909380495548248},{"text":"Yep.","start":1610.535,"end":1610.855,"sentiment":"neutral","sentiment_score":0.1740170568227768},{"text":"Absolutely.","start":1610.855,"end":1611.355,"sentiment":"positive","sentiment_score":0.5356501340866089},{"text":"Cool.","start":1613.735,"end":1614.215,"sentiment":"neutral","sentiment_score":0.12238473445177078}],"sentiment":"neutral","sentiment_score":0.24165304626027742,"num_words":6,"start":1605.3401,"end":1614.215},{"sentences":[{"text":"So I'll put all this together.","start":1614.215,"end":1615.675,"sentiment":"neutral","sentiment_score":0.07819617725908756},{"text":"Look.","start":1631.27,"end":1631.51,"sentiment":"neutral","sentiment_score":-0.0012681251391768456},{"text":"I appreciate it because, yeah, I appreciate it because it means that, like, we're all on the same page with where we're trying to get to.","start":1631.51,"end":1638.9451,"sentiment":"neutral","sentiment_score":0.17808217010818994},{"text":"We just need to do our job and keep reviewing things and and optimizing it every now and then.","start":1638.9451,"end":1644.0851,"sentiment":"neutral","sentiment_score":0.13022457102411672},{"text":"And sometimes part of our job is a bit of like a psychological coaching because people do get prone to panicking, and that's a part of it too.","start":1644.2251,"end":1653.11,"sentiment":"neutral","sentiment_score":-0.07895771640219859}],"sentiment":"neutral","sentiment_score":0.06701870189281181,"num_words":80,"start":1614.215,"end":1653.11},{"sentences":[{"text":"So, Susan, if it's okay with you, I was just checking through the file, and I'm gonna get the team to call you in about a week's time just to get you booked back in with me to go through that document with you.","start":1664.475,"end":1676.35,"sentiment":"neutral","sentiment_score":0.1054031561467458},{"text":"Do you have any kind of preferred days and times, or should we just give you a call and book it in a bit close to the day?","start":1678.81,"end":1685.205,"sentiment":"neutral","sentiment_score":0.07743823335372976},{"text":"Mhmm.","start":1694.325,"end":1694.4049,"sentiment":"neutral","sentiment_score":-0.0002895030193030834},{"text":"Yes.","start":1694.4049,"end":1694.9049,"sentiment":"neutral","sentiment_score":0.010579504072666168},{"text":"Okay.","start":1697.6849,"end":1698.1849,"sentiment":"neutral","sentiment_score":-0.05365551263093949}],"sentiment":"neutral","sentiment_score":0.09016858523711563,"num_words":75,"start":1664.475,"end":1698.1849},{"sentences":[{"text":"Yeah.","start":1703.12,"end":1703.62,"sentiment":"neutral","sentiment_score":-0.06806280463933945},{"text":"Gotcha.","start":1713.775,"end":1714.275,"sentiment":"neutral","sentiment_score":0.004203477408736944},{"text":"Cool.","start":1722.87,"end":1723.37,"sentiment":"positive","sentiment_score":0.5811154246330261},{"text":"What I might do as well, if you're still comfortable with everything that we're doing, I we need to still be remaining as active advisers on your Netwealth account.","start":1723.43,"end":1732.65,"sentiment":"neutral","sentiment_score":0.1987440388264327},{"text":"So I was gonna send you through a bit of an annual review pack and, like, an updated service agreement if you're still happy for us to remain on there.","start":1732.79,"end":1740.855,"sentiment":"neutral","sentiment_score":0.18619654526313145}],"sentiment":"neutral","sentiment_score":0.191398864213918,"num_words":62,"start":1703.12,"end":1740.855},{"sentences":[{"text":"Cool.","start":1743.155,"end":1743.635,"sentiment":"neutral","sentiment_score":0.31325188279151917},{"text":"So when you get that document, it's gonna come through from our new overview system.","start":1743.635,"end":1747.735,"sentiment":"neutral","sentiment_score":0.19356940189997354},{"text":"First one might go to your spam box, but everything after that should be cool.","start":1748.115,"end":1751.735,"sentiment":"neutral","sentiment_score":0.15755376666784288},{"text":"And it'll just have the usual, like, the 1.65% in the fees, the $600,000 cap, and the 12 month consent.","start":1752.08,"end":1759.7,"sentiment":"neutral","sentiment_score":0.1326064694672823},{"text":"And once we've got all that up there, we can obviously move things around on the account and still have transaction access.","start":1760.3201,"end":1766.58,"sentiment":"neutral","sentiment_score":0.16069809211926026}],"sentiment":"neutral","sentiment_score":0.1611998195517553,"num_words":73,"start":1743.155,"end":1766.58},{"sentences":[{"text":"Cool.","start":1770.6749,"end":1771.1549,"sentiment":"positive","sentiment_score":0.3766084909439087},{"text":"Other than that, just expect a call in a week or two to have a quick chat with me, and I'll go through that portfolio with you.","start":1771.1549,"end":1777.575,"sentiment":"neutral","sentiment_score":0.16940944338286365},{"text":"And I'll send you those details hopefully today or Monday.","start":1782.37,"end":1785.75,"sentiment":"neutral","sentiment_score":0.19345590993762016},{"text":"Perfect.","start":1790.77,"end":1791.27,"sentiment":"positive","sentiment_score":0.3634507060050965},{"text":"And just to double check, that'll be more like next financial year coming July.","start":1791.725,"end":1795.645,"sentiment":"neutral","sentiment_score":0.15192346274852753}],"sentiment":"neutral","sentiment_score":0.17689814615362096,"num_words":53,"start":1770.6749,"end":1795.645},{"sentences":[{"text":"Right?","start":1795.645,"end":1796.145,"sentiment":"neutral","sentiment_score":0.0681508332490921},{"text":"Yep.","start":1802.845,"end":1803.345,"sentiment":"neutral","sentiment_score":0.19048188626766205},{"text":"Perfect.","start":1803.66,"end":1803.9801,"sentiment":"positive","sentiment_score":0.3616102635860443},{"text":"Alrighty.","start":1803.9801,"end":1804.4601,"sentiment":"neutral","sentiment_score":0.2548345923423767},{"text":"I'll add that in the plan too.","start":1804.4601,"end":1806.06,"sentiment":"neutral","sentiment_score":0.25632280324186596}],"sentiment":"neutral","sentiment_score":0.242667018012567,"num_words":11,"start":1795.645,"end":1806.06},{"sentences":[{"text":"Well, thank you so much for your time, Susanna.","start":1806.06,"end":1807.8201,"sentiment":"positive","sentiment_score":0.4325486388471391},{"text":"Any questions for me before I let you go?","start":1807.8201,"end":1809.18,"sentiment":"neutral","sentiment_score":0.1281214381257693},{"text":"I know you said you don't have many at the moment, but Awesome, Susanna.","start":1809.18,"end":1825.755,"sentiment":"neutral","sentiment_score":0.0594265947916678},{"text":"I might send you the usual text message if you're happy to give us a a review and your feedback.","start":1825.755,"end":1830.335,"sentiment":"neutral","sentiment_score":0.31877499520778657},{"text":"And, look, it's been absolutely lovely talking to you today.","start":1830.6499,"end":1833.13,"sentiment":"positive","sentiment_score":0.807887202501297}],"sentiment":"neutral","sentiment_score":0.32794153143561655,"num_words":62,"start":1806.06,"end":1833.13},{"sentences":[{"text":"I hope you have a fantastic weekend.","start":1833.13,"end":1837.63,"sentiment":"positive","sentiment_score":0.6309193543025425},{"text":"Absolutely.","start":1842.0099,"end":1842.5099,"sentiment":"positive","sentiment_score":0.504423975944519},{"text":"Again, I'll be jumping on the games and going straight out of it.","start":1842.57,"end":1845.255,"sentiment":"positive","sentiment_score":0.6017167751605694},{"text":"Alright, mate.","start":1850.935,"end":1851.835,"sentiment":"neutral","sentiment_score":0.21637264639139175},{"text":"Thank you.","start":1852.055,"end":1852.455,"sentiment":"positive","sentiment_score":0.504769429564476}],"sentiment":"positive","sentiment_score":0.5674184674024582,"num_words":25,"start":1833.13,"end":1852.455},{"sentences":[{"text":"I'll talk to you soon.","start":1852.455,"end":1853.415,"sentiment":"neutral","sentiment_score":0.22061762511730193},{"text":"Bye.","start":1853.415,"end":1853.915,"sentiment":"neutral","sentiment_score":0.12534531950950625}],"sentiment":"neutral","sentiment_score":0.20473890751600266,"num_words":6,"start":1852.455,"end":1853.915}]}}]},{"alternatives":[{"transcript":"Hello? Give me two secs. Not bad. Not bad at all. Just chilling here playing good. How are you? Oh, nice. Yes. It does. Yes. Like I said, I'm just sitting here playing games. Yeah. Yeah. No. Good. Yes. Everything's the same. Yep. Yep. No dramas. '82, and a 63 community parade now. Yes. Yep. Yes. Yes. Still the same. Mhmm. No. It's increased. I'm thinking at the moment, I'm already at a 112, I think. Yeah. Which I'm scared I'm gonna go ahead for the threshold. But yeah. I'm thinking that because I've got at the moment, it's 76 k in cold and $30.32, I think, from traffic. I'll say oh, yeah. No. It's a I was at my 105, sorry, at the moment. So 2, 46. Yeah. So I'm thinking of reaching a 150. Yeah. Yeah. The the problem is the problem is there's not much super going in because they've got a new fucking system, which is stupid. Any overtime doesn't get taxed. Yeah. I mean, it doesn't get stupid. And any out of range how can I put it? Any out of no. Out of because I'm a baker, I work from twelve in the morning till fucking eight 08:00 in the morning. So the those times in between there are called out of range. They're out of the normal range of normally hours. They don't get super either, and that's the problem. That's why there there hasn't been much super put in. So as of next yeah. It's stupid. So sometimes I'm earning, like was it $1,200, and I'm only getting a $120 for super? It's like it's it's because of the that penalty sheet that they did. So I'm getting more money, but not enough to go into my favor. So yeah. Exactly. Yeah. So as of, yeah, no, as of next year though, as of the next financial year, I'm gonna start contributing an extra $100 on top a week into super. I don't know how that's gonna work. I might just have to do it personally. So I've got all the forms and emails and stuff in my emails, and I can go through that and have a look how I can do it personally. Yeah. Oh, that would be very helpful. I have to call you guys back in July. Oh, cool. Okay. Even better. Oh, awesome. You know, I'm talking more of the putting into the super. So I've given it to you guys. I've got all the paperwork to that says to the account numbers and all that to send it to you guys. Oh, okay. Oh, whatchamacallit? How does it work through PayPal? There is a form the is it the same sort of thing that I gave to my employees? That's my daughter. Yes. Oh, okay. Where can I get the BPAY number then? Oh, awesome. If you could do that today, that'd be great. So then I can have it for the next month. Next financial year and start doing it. Thank you. Yep. Awesome. Yes. That'll be very good. Okay. Yep. All good. You should. I don't have the savings, but I do have the savings in cash, if you know what I mean. Yeah. I've I've yeah. Cash savings. So I've got about 3 and a half grand savings in cash because I can't trust myself with the bank because, you know, when you've got you, now everything's tap tap tap, and you can just keep tapping and you never lose track of it all. So I'm just taking it out. Yeah. So, yeah, I am I am also I have kind of started putting I have a a zed account that has a a 4.75% interest. It's the a zed plus account, which I'm gonna start putting I've already started this week of putting $300 a week in it to see if I can not touch it because that one is completely separate to every other account that I've got. So I don't need to touch it. Yeah. Yes. The personal loan's down to 39 and sorry. 29. And the credit cards are paid off. So yeah. Yeah. I'm I'm I'm getting there. It's it's slowly but surely. So well, I'm trying to save up. Yeah. So I'm I'm getting back on track. It it it it took me a while to get back on track after I went to Disneyland. That's the problem. I went to Disneyland with my partner two years ago and just trying to get back onto the because I used all my credit cards and all my savings. So I'm like, oh, dude. Trying to get back from it. It's been very hard. So now I'm trying to put myself back into a routine where I can just save and focus on. So I've paid off the credit cards finally. The loan is still going down, which is great. I'm actually paying more than what I need to, so I'm overdrawn. I mean, I've got Rachel of five k. So yeah. Yeah. No. I'm still trying to save to buy a house, but not really. I won't be able to make that that jump on my own, especially since the house is, like, over a mill. So mostly mostly yeah. Mostly, it's just to be able to live with no worries. So that's what my saving goal is, is to be able to work and not have to stress too much about money. Do you know what I mean? Because at the moment, I'm boarding boarding with my mom, and I'm paying $230 a week. Don't have to worry about any rent. Mom feeds me and everything. So Yeah. Pretty much. So it's yep. Yes. My Anna's my mom, Catherine's my sister, and Pedro is my nephew. Yep. No. Catherine's my sister. Anna is my mom. That's right. Yes. Yep. No. That's fine. At the moment, it's I'm not gonna do it anytime soon, so I'm good. But yeah. True. Oh, no. Traffic is actually pretty safe considering everyone thinks it's such a hectic job. It's actually a pretty safe industry. There are so many measures. Well well, not just that. When you're on the road, there are so many so many measures you have to take before you can step on the road. So there's signage, there's cones, there's only place there's certain places you can stand. It's and the back is fantastic. The stop is like, slide back. Everyone fucking you stick it out the front and the road stops immediately. It's fantastic. I haven't I haven't had any issues. So and and also we're working with the customer. One of our clients is a no back policy. So in other words, we have to have a road closed. So the road's gonna be has to be closed. There's no traffic going through it. So for for our safety and for the worker safety as well, so I don't have to worry about traffic. Just telling them, sorry. Very close. Go around. Follow the details. Yep. Yes. Pretty much. Because that's the policy for the client one of the clients we have. Because in the past, they've lost a few traffic controllers. Not not not on their part on the negligence of the actual traffic controller. So to prevent that, they've created the no back policy. So which is great because it's yeah. Pretty much. So that's why I'm not gonna die anytime soon. I'm also very stressed, ma'am. Not really. Mhmm. But yeah. Yes. It can actually, sorry. Can you repeat the last bit again? Oh, yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yep. That's I remember that, so it's all good. Yes. Pretty much. Then it goes back up. Yeah. Yeah. Yeah. Exactly. No. That's perfectly fine. Just stay the same. Because yeah. I yes. No. I saw a YouTube click on that whole where you have to be patient with your investments and stuff. Most people, as soon as they see a crash, it's like, oh my god. We gotta sell. Gotta sell. They'll freak out. And that's it. But sometimes you don't have to because they do go up and down like a roller coaster. And in like you said, in seven five years or seven years, they'll go back up, and then they'll go back down and so forth. So I'm happy to stay like that. And I'm not stressed because I know you guys are doing a great job at making me money. Done. I just get the investment probably. Yeah. Yeah. No. That's good. That's very good to hear. Okay. Yep. No. That's fine. So So what's happening with the Uber? Are you gonna invest in can you invest in that or not? Oh, okay. Yeah. Oh, okay. Cool. Because it that that one looks like it's gonna be a it's gonna go up very quickly. At the moment, it already has gone up, especially with this whole petrol crisis happening. To the Uber. Yeah. Yeah. Even if it's 5%, you know, so long as there's something in there. Because like I said, I I have a feeling. I have I've tracked it, and Uber at the moment is going up very quickly. Like, everyone's using it. Everyone wants it because no one wants to pay for their petrol. And also you've got Uber Eats, you've got Uber Shares, you've got Uber of Ebersal. So Okay. Awesome. Not really. Like, because I'm not retiring anytime soon, it's not like I'm gonna hurry this up really quickly at the moment. But at the same time, I do wanna hurry it up. It's it's a it's a 50 50 sort of thing. So whatever you guys think is best. Pardon? Yeah. Yep. Yep. Not that perfectly fine. No. I'm still good with that with that that stuff. I don't need to worry. Yep. Yep. And then maybe when I'm actually, like, maybe in my fifties or I'm 55 or something, I might think of insurances and stuff. But at the moment, I yeah. Yeah. Yep. No. All good. Thank you, Majli. No. I I never have questions with you guys because I know you guys are doing the best you can, especially with this whole war thing and everything going on. I do keep an eye on my on my ups and downs on the app to make sure it's not going too far, but I understand as well because of the whole changing of the world thing. That's why it's because at one point, it was at 02/2005, I think it was, or 02/2003. And now it's gone back down to $1.90. But I understand again because of the whole shit that's happening. Yeah. So but Yeah. It's but, again, it's it's coming up really well. And from the graph, I can tell it's even it's better than it was last year anyway regardless of going up and down. I'm still I'm still better off this year than I was last year, so it's all going great. Mhmm. Sorry. I I yeah. Sorry. I'm very aware of my I'm very aware of my sleepover because you got you've given me the app and stuff, and I'm also very aware of what's happening around the world and how it affects everything. So there's not there's not much you got I have to ask. Yeah. Yeah. Freaks people out and you you suffer with sometimes. But not all good. Yep. No dramas. Give me a call closer to the day because sometimes, like, for instance, today, I work in baking, not in traffic. So that's why I was able to take the call at one. But if I'm working in traffic all day, I can't take the call because I'm right? So and and I don't know, yeah, I don't know from I know from day to day. I don't know from I don't know weeks in advance. So, yeah, just give us a call. Yeah. Yeah. That'd be awesome. Yes. Yes. Awesome. Awesome. Thank you much, please. Yes. That would be great. So then I can start contributing some more. Yeah. After after July, like, the July, I'll start putting money into it. No. I'm actually doing pretty well at the moment. You've answered everything. You've explained everything, and you guys are doing a great job, so I have no issues. Yep. Thank you. You too. Enjoy your weekend, and enjoy the sun that's finally coming up. Awesome. I'll catch you later then. Yeah. 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Give me two secs. Not bad. Not bad at all. Just chilling here playing good.\n\nHow are you? Oh, nice. Yes. It does. Yes.\n\nLike I said, I'm just sitting here playing games. Yeah. Yeah. No. Good.\n\nYes. Everything's the same. Yep. Yep. No dramas.\n\n'82, and a 63 community parade now. Yes. Yep. Yes. Yes.\n\nStill the same. Mhmm. No. It's increased. I'm thinking at the moment, I'm already at a 112, I think.\n\nYeah. Which I'm scared I'm gonna go ahead for the threshold. But yeah. I'm thinking that because I've got at the moment, it's 76 k in cold and $30.32, I think, from traffic. I'll say oh, yeah.\n\nNo. It's a I was at my 105, sorry, at the moment. So 2, 46. Yeah. So I'm thinking of reaching a 150.\n\nYeah. Yeah. The the problem is the problem is there's not much super going in because they've got a new fucking system, which is stupid. Any overtime doesn't get taxed. Yeah.\n\nI mean, it doesn't get stupid. And any out of range how can I put it? Any out of no. Out of because I'm a baker, I work from twelve in the morning till fucking eight 08:00 in the morning. So the those times in between there are called out of range.\n\nThey're out of the normal range of normally hours. They don't get super either, and that's the problem. That's why there there hasn't been much super put in. So as of next yeah. It's stupid.\n\nSo sometimes I'm earning, like was it $1,200, and I'm only getting a $120 for super? It's like it's it's because of the that penalty sheet that they did. So I'm getting more money, but not enough to go into my favor. So yeah. Exactly.\n\nYeah. So as of, yeah, no, as of next year though, as of the next financial year, I'm gonna start contributing an extra $100 on top a week into super. I don't know how that's gonna work. I might just have to do it personally. So I've got all the forms and emails and stuff in my emails, and I can go through that and have a look how I can do it personally.\n\nYeah. Oh, that would be very helpful. I have to call you guys back in July. Oh, cool. Okay.\n\nEven better. Oh, awesome. You know, I'm talking more of the putting into the super. So I've given it to you guys. I've got all the paperwork to that says to the account numbers and all that to send it to you guys.\n\nOh, okay. Oh, whatchamacallit? How does it work through PayPal? There is a form the is it the same sort of thing that I gave to my employees? That's my daughter.\n\nYes. Oh, okay. Where can I get the BPAY number then? Oh, awesome. If you could do that today, that'd be great.\n\nSo then I can have it for the next month. Next financial year and start doing it. Thank you. Yep. Awesome.\n\nYes. That'll be very good. Okay. Yep. All good.\n\nYou should. I don't have the savings, but I do have the savings in cash, if you know what I mean. Yeah. I've I've yeah. Cash savings.\n\nSo I've got about 3 and a half grand savings in cash because I can't trust myself with the bank because, you know, when you've got you, now everything's tap tap tap, and you can just keep tapping and you never lose track of it all. So I'm just taking it out. Yeah. So, yeah, I am I am also I have kind of started putting I have a a zed account that has a a 4.75% interest. It's the a zed plus account, which I'm gonna start putting I've already started this week of putting $300 a week in it to see if I can not touch it because that one is completely separate to every other account that I've got.\n\nSo I don't need to touch it. Yeah. Yes. The personal loan's down to 39 and sorry. 29.\n\nAnd the credit cards are paid off. So yeah. Yeah. I'm I'm I'm getting there. It's it's slowly but surely.\n\nSo well, I'm trying to save up. Yeah. So I'm I'm getting back on track. It it it it took me a while to get back on track after I went to Disneyland. That's the problem.\n\nI went to Disneyland with my partner two years ago and just trying to get back onto the because I used all my credit cards and all my savings. So I'm like, oh, dude. Trying to get back from it. It's been very hard. So now I'm trying to put myself back into a routine where I can just save and focus on.\n\nSo I've paid off the credit cards finally. The loan is still going down, which is great. I'm actually paying more than what I need to, so I'm overdrawn. I mean, I've got Rachel of five k. So yeah.\n\nYeah. No. I'm still trying to save to buy a house, but not really. I won't be able to make that that jump on my own, especially since the house is, like, over a mill. So mostly mostly yeah.\n\nMostly, it's just to be able to live with no worries. So that's what my saving goal is, is to be able to work and not have to stress too much about money. Do you know what I mean? Because at the moment, I'm boarding boarding with my mom, and I'm paying $230 a week. Don't have to worry about any rent.\n\nMom feeds me and everything. So Yeah. Pretty much. So it's yep. Yes.\n\nMy Anna's my mom, Catherine's my sister, and Pedro is my nephew. Yep. No. Catherine's my sister. Anna is my mom.\n\nThat's right. Yes. Yep. No. That's fine.\n\nAt the moment, it's I'm not gonna do it anytime soon, so I'm good. But yeah. True. Oh, no. Traffic is actually pretty safe considering everyone thinks it's such a hectic job.\n\nIt's actually a pretty safe industry. There are so many measures. Well well, not just that. When you're on the road, there are so many so many measures you have to take before you can step on the road. So there's signage, there's cones, there's only place there's certain places you can stand.\n\nIt's and the back is fantastic. The stop is like, slide back. Everyone fucking you stick it out the front and the road stops immediately. It's fantastic. I haven't I haven't had any issues.\n\nSo and and also we're working with the customer. One of our clients is a no back policy. So in other words, we have to have a road closed. So the road's gonna be has to be closed. There's no traffic going through it.\n\nSo for for our safety and for the worker safety as well, so I don't have to worry about traffic. Just telling them, sorry. Very close. Go around. Follow the details.\n\nYep. Yes. Pretty much. Because that's the policy for the client one of the clients we have. Because in the past, they've lost a few traffic controllers.\n\nNot not not on their part on the negligence of the actual traffic controller. So to prevent that, they've created the no back policy. So which is great because it's yeah. Pretty much. So that's why I'm not gonna die anytime soon.\n\nI'm also very stressed, ma'am. Not really. Mhmm. But yeah. Yes.\n\nIt can actually, sorry. Can you repeat the last bit again? Oh, yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yep. That's I remember that, so it's all good. Yes. Pretty much.\n\nThen it goes back up. Yeah. Yeah. Yeah. Exactly.\n\nNo. That's perfectly fine. Just stay the same. Because yeah. I yes.\n\nNo. I saw a YouTube click on that whole where you have to be patient with your investments and stuff. Most people, as soon as they see a crash, it's like, oh my god. We gotta sell. Gotta sell.\n\nThey'll freak out. And that's it. But sometimes you don't have to because they do go up and down like a roller coaster. And in like you said, in seven five years or seven years, they'll go back up, and then they'll go back down and so forth. So I'm happy to stay like that.\n\nAnd I'm not stressed because I know you guys are doing a great job at making me money. Done. I just get the investment probably. Yeah. Yeah.\n\nNo. That's good. That's very good to hear. Okay. Yep.\n\nNo. That's fine. So So what's happening with the Uber? Are you gonna invest in can you invest in that or not? Oh, okay.\n\nYeah. Oh, okay. Cool. Because it that that one looks like it's gonna be a it's gonna go up very quickly. At the moment, it already has gone up, especially with this whole petrol crisis happening.\n\nTo the Uber. Yeah. Yeah. Even if it's 5%, you know, so long as there's something in there. Because like I said, I I have a feeling.\n\nI have I've tracked it, and Uber at the moment is going up very quickly. Like, everyone's using it. Everyone wants it because no one wants to pay for their petrol. And also you've got Uber Eats, you've got Uber Shares, you've got Uber of Ebersal. So Okay.\n\nAwesome. Not really. Like, because I'm not retiring anytime soon, it's not like I'm gonna hurry this up really quickly at the moment. But at the same time, I do wanna hurry it up. It's it's a it's a 50 50 sort of thing.\n\nSo whatever you guys think is best. Pardon? Yeah. Yep. Yep.\n\nNot that perfectly fine. No. I'm still good with that with that that stuff. I don't need to worry. Yep.\n\nYep. And then maybe when I'm actually, like, maybe in my fifties or I'm 55 or something, I might think of insurances and stuff. But at the moment, I yeah. Yeah. Yep.\n\nNo. All good. Thank you, Majli. No. I I never have questions with you guys because I know you guys are doing the best you can, especially with this whole war thing and everything going on.\n\nI do keep an eye on my on my ups and downs on the app to make sure it's not going too far, but I understand as well because of the whole changing of the world thing. That's why it's because at one point, it was at 02/2005, I think it was, or 02/2003. And now it's gone back down to $1.90. But I understand again because of the whole shit that's happening. Yeah.\n\nSo but Yeah. It's but, again, it's it's coming up really well. And from the graph, I can tell it's even it's better than it was last year anyway regardless of going up and down. I'm still I'm still better off this year than I was last year, so it's all going great. Mhmm.\n\nSorry. I I yeah. Sorry. I'm very aware of my I'm very aware of my sleepover because you got you've given me the app and stuff, and I'm also very aware of what's happening around the world and how it affects everything. So there's not there's not much you got I have to ask.\n\nYeah. Yeah. Freaks people out and you you suffer with sometimes. But not all good. Yep.\n\nNo dramas. Give me a call closer to the day because sometimes, like, for instance, today, I work in baking, not in traffic. So that's why I was able to take the call at one. But if I'm working in traffic all day, I can't take the call because I'm right? So and and I don't know, yeah, I don't know from I know from day to day.\n\nI don't know from I don't know weeks in advance. So, yeah, just give us a call. Yeah. Yeah. That'd be awesome.\n\nYes. Yes. Awesome. Awesome. Thank you much, please.\n\nYes. That would be great. So then I can start contributing some more. Yeah. After after July, like, the July, I'll start putting money into it.\n\nNo. I'm actually doing pretty well at the moment. You've answered everything. You've explained everything, and you guys are doing a great job, so I have no issues. Yep.\n\nThank you. You too. Enjoy your weekend, and enjoy the sun that's finally coming up. Awesome. I'll catch you later then.\n\nYeah. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.48,"end":0.98,"sentiment":"neutral","sentiment_score":0.006460179109126329},{"text":"Give me two secs.","start":2.24,"end":3.3799999,"sentiment":"neutral","sentiment_score":0.008738980395719409},{"text":"Not bad.","start":15.994999,"end":16.814999,"sentiment":"neutral","sentiment_score":0.2484002411365509},{"text":"Not bad at all.","start":17.755,"end":18.974998,"sentiment":"neutral","sentiment_score":0.25606758892536163},{"text":"Just chilling here playing good.","start":19.115,"end":20.734999,"sentiment":"positive","sentiment_score":0.5652016520500183}],"sentiment":"neutral","sentiment_score":0.27428094993229024,"num_words":16,"start":0.48,"end":20.734999},{"sentences":[{"text":"How are you?","start":21.435,"end":22.255,"sentiment":"neutral","sentiment_score":0.22971034546693167},{"text":"Oh, nice.","start":30.83,"end":31.41,"sentiment":"positive","sentiment_score":0.5453170537948608},{"text":"Yes.","start":58.37,"end":58.85,"sentiment":"neutral","sentiment_score":0.08818289637565613},{"text":"It does.","start":58.85,"end":59.67,"sentiment":"neutral","sentiment_score":0.10401948913931847},{"text":"Yes.","start":76.925,"end":77.425,"sentiment":"neutral","sentiment_score":0.0904584527015686}],"sentiment":"neutral","sentiment_score":0.24071616348293093,"num_words":9,"start":21.435,"end":77.425},{"sentences":[{"text":"Like I said, I'm just sitting here playing games.","start":79.08501,"end":81.185005,"sentiment":"neutral","sentiment_score":0.08559840089744991},{"text":"Yeah.","start":81.3,"end":81.8,"sentiment":"neutral","sentiment_score":0.04302377253770828},{"text":"Yeah.","start":90.26,"end":90.5,"sentiment":"neutral","sentiment_score":0.03356264904141426},{"text":"No.","start":90.5,"end":91.0,"sentiment":"neutral","sentiment_score":0.038974612951278687},{"text":"Good.","start":91.060005,"end":91.560005,"sentiment":"neutral","sentiment_score":0.14644934237003326}],"sentiment":"neutral","sentiment_score":0.07941507576749875,"num_words":13,"start":79.08501,"end":91.560005},{"sentences":[{"text":"Yes.","start":106.435005,"end":106.935005,"sentiment":"neutral","sentiment_score":0.18169480562210083},{"text":"Everything's the same.","start":108.009995,"end":108.96999,"sentiment":"neutral","sentiment_score":0.20305938025315604},{"text":"Yep.","start":108.96999,"end":109.46999,"sentiment":"neutral","sentiment_score":0.095900259912014},{"text":"Yep.","start":118.729996,"end":119.049995,"sentiment":"neutral","sentiment_score":0.03125079721212387},{"text":"No dramas.","start":119.049995,"end":119.78999,"sentiment":"neutral","sentiment_score":0.03461712785065174}],"sentiment":"neutral","sentiment_score":0.12340728240087628,"num_words":8,"start":106.435005,"end":119.78999},{"sentences":[{"text":"'82, and a 63 community parade now.","start":133.005,"end":137.62999,"sentiment":"neutral","sentiment_score":0.07184802581157003},{"text":"Yes.","start":166.04,"end":166.54,"sentiment":"neutral","sentiment_score":0.24927327036857605},{"text":"Yep.","start":183.495,"end":183.93,"sentiment":"neutral","sentiment_score":0.08010108768939972},{"text":"Yes.","start":192.81,"end":193.31,"sentiment":"neutral","sentiment_score":0.04065987840294838},{"text":"Yes.","start":194.09,"end":194.59,"sentiment":"neutral","sentiment_score":0.04560971260070801}],"sentiment":"neutral","sentiment_score":0.08350728452205658,"num_words":11,"start":133.005,"end":194.59},{"sentences":[{"text":"Still the same.","start":195.37,"end":196.34999,"sentiment":"neutral","sentiment_score":0.046413340916236244},{"text":"Mhmm.","start":196.56999,"end":197.06999,"sentiment":"neutral","sentiment_score":0.02114721387624741},{"text":"No.","start":201.97499,"end":202.215,"sentiment":"neutral","sentiment_score":-0.1632089912891388},{"text":"It's increased.","start":202.215,"end":202.955,"sentiment":"neutral","sentiment_score":-0.12752867862582207},{"text":"I'm thinking at the moment, I'm already at a 112, I think.","start":211.415,"end":221.09001,"sentiment":"neutral","sentiment_score":-0.0071260038918505115}],"sentiment":"neutral","sentiment_score":-0.018073218874633312,"num_words":19,"start":195.37,"end":221.09001},{"sentences":[{"text":"Yeah.","start":223.23001,"end":223.73001,"sentiment":"neutral","sentiment_score":-0.0646703839302063},{"text":"Which I'm scared I'm gonna go ahead for the threshold.","start":224.51001,"end":226.85,"sentiment":"neutral","sentiment_score":-0.1703384682536125},{"text":"But yeah.","start":228.10501,"end":233.945,"sentiment":"neutral","sentiment_score":-0.046425435692071915},{"text":"I'm thinking that because I've got at the moment, it's 76 k in cold and $30.32, I think, from traffic.","start":233.945,"end":245.57,"sentiment":"neutral","sentiment_score":-0.053143190871924165},{"text":"I'll say oh, yeah.","start":249.31001,"end":257.115,"sentiment":"neutral","sentiment_score":0.010822157259099185}],"sentiment":"neutral","sentiment_score":-0.07785084125006923,"num_words":37,"start":223.23001,"end":257.115},{"sentences":[{"text":"No.","start":257.675,"end":257.995,"sentiment":"neutral","sentiment_score":-0.07145858556032181},{"text":"It's a I was at my 105, sorry, at the moment.","start":257.995,"end":260.895,"sentiment":"neutral","sentiment_score":-0.07028167525475676},{"text":"So 2, 46.","start":263.115,"end":265.935,"sentiment":"neutral","sentiment_score":0.09230745583772659},{"text":"Yeah.","start":266.63498,"end":266.875,"sentiment":"neutral","sentiment_score":0.04688313603401184},{"text":"So I'm thinking of reaching a 150.","start":266.875,"end":269.535,"sentiment":"neutral","sentiment_score":0.061304474781666486}],"sentiment":"neutral","sentiment_score":-0.003983486362773439,"num_words":23,"start":257.675,"end":269.535},{"sentences":[{"text":"Yeah.","start":272.395,"end":272.64,"sentiment":"neutral","sentiment_score":0.19322136044502256},{"text":"Yeah.","start":282.40002,"end":282.90002,"sentiment":"neutral","sentiment_score":0.09044744074344636},{"text":"The the problem is the problem is there's not much super going in because they've got a new fucking system, which is stupid.","start":283.2,"end":291.975,"sentiment":"negative","sentiment_score":-0.5649367687494858},{"text":"Any overtime doesn't get taxed.","start":292.51498,"end":295.495,"sentiment":"negative","sentiment_score":-0.3594889283180237},{"text":"Yeah.","start":296.275,"end":296.595,"sentiment":"neutral","sentiment_score":-0.19994470477104187}],"sentiment":"negative","sentiment_score":-0.47442794278744727,"num_words":31,"start":272.395,"end":296.595},{"sentences":[{"text":"I mean, it doesn't get stupid.","start":296.595,"end":297.895,"sentiment":"neutral","sentiment_score":-0.2825867384672165},{"text":"And any out of range how can I put it?","start":298.355,"end":305.84,"sentiment":"neutral","sentiment_score":-0.13476168140769004},{"text":"Any out of no.","start":307.34,"end":309.98,"sentiment":"neutral","sentiment_score":-0.07058196794241667},{"text":"Out of because I'm a baker, I work from twelve in the morning till fucking eight 08:00 in the morning.","start":309.98,"end":318.74503,"sentiment":"neutral","sentiment_score":-0.16969273537397384},{"text":"So the those times in between there are called out of range.","start":320.80502,"end":326.74503,"sentiment":"neutral","sentiment_score":-0.16283971692125002}],"sentiment":"neutral","sentiment_score":-0.16679608513816044,"num_words":52,"start":296.595,"end":326.74503},{"sentences":[{"text":"They're out of the normal range of normally hours.","start":327.125,"end":329.87003,"sentiment":"neutral","sentiment_score":-0.2622174835867352},{"text":"They don't get super either, and that's the problem.","start":330.09003,"end":334.49002,"sentiment":"negative","sentiment_score":-0.3731775184472402},{"text":"That's why there there hasn't been much super put in.","start":334.49002,"end":337.23,"sentiment":"neutral","sentiment_score":-0.3229187160730362},{"text":"So as of next yeah.","start":337.77002,"end":341.63,"sentiment":"neutral","sentiment_score":-0.08745640255510807},{"text":"It's stupid.","start":341.85,"end":343.745,"sentiment":"neutral","sentiment_score":-0.2696157991886139}],"sentiment":"neutral","sentiment_score":-0.2835501654339688,"num_words":35,"start":327.125,"end":343.745},{"sentences":[{"text":"So sometimes I'm earning, like was it $1,200, and I'm only getting a $120 for super?","start":343.745,"end":352.645,"sentiment":"neutral","sentiment_score":-0.2028760090470314},{"text":"It's like it's it's because of the that penalty sheet that they did.","start":354.22498,"end":358.66,"sentiment":"neutral","sentiment_score":-0.3080095522678815},{"text":"So I'm getting more money, but not enough to go into my favor.","start":358.80002,"end":362.26,"sentiment":"negative","sentiment_score":-0.3854515598370479},{"text":"So yeah.","start":363.44,"end":367.44,"sentiment":"neutral","sentiment_score":-0.24681570380926132},{"text":"Exactly.","start":367.44,"end":367.94,"sentiment":"neutral","sentiment_score":-0.1702219545841217}],"sentiment":"neutral","sentiment_score":-0.287219199207094,"num_words":45,"start":343.745,"end":367.94},{"sentences":[{"text":"Yeah.","start":368.96,"end":369.46,"sentiment":"neutral","sentiment_score":-0.00010894052684307098},{"text":"So as of, yeah, no, as of next year though, as of the next financial year, I'm gonna start contributing an extra $100 on top a week into super.","start":370.48,"end":383.98502,"sentiment":"neutral","sentiment_score":0.0843807537237118},{"text":"I don't know how that's gonna work.","start":392.74,"end":394.74,"sentiment":"neutral","sentiment_score":-0.1517306034054075},{"text":"I might just have to do it personally.","start":394.74,"end":396.36002,"sentiment":"neutral","sentiment_score":-0.11726358719170094},{"text":"So I've got all the forms and emails and stuff in my emails, and I can go through that and have a look how I can do it personally.","start":398.095,"end":404.675,"sentiment":"neutral","sentiment_score":-0.0004260060216846137}],"sentiment":"neutral","sentiment_score":0.005869673262979533,"num_words":74,"start":368.96,"end":404.675},{"sentences":[{"text":"Yeah.","start":408.095,"end":408.595,"sentiment":"neutral","sentiment_score":0.007831256836652756},{"text":"Oh, that would be very helpful.","start":433.505,"end":435.445,"sentiment":"positive","sentiment_score":0.445036843419075},{"text":"I have to call you guys back in July.","start":435.80002,"end":438.14,"sentiment":"neutral","sentiment_score":0.2265857242875629},{"text":"Oh, cool.","start":459.895,"end":460.8,"sentiment":"positive","sentiment_score":0.5415512323379517},{"text":"Okay.","start":461.03998,"end":461.53998,"sentiment":"positive","sentiment_score":0.4214004874229431}],"sentiment":"neutral","sentiment_score":0.3274645677914745,"num_words":19,"start":408.095,"end":461.53998},{"sentences":[{"text":"Even better.","start":463.12,"end":463.94,"sentiment":"neutral","sentiment_score":0.1026543416082859},{"text":"Oh, awesome.","start":467.28,"end":468.02,"sentiment":"positive","sentiment_score":0.5614011883735657},{"text":"You know, I'm talking more of the putting into the super.","start":468.4,"end":471.68,"sentiment":"neutral","sentiment_score":0.24279485236514697},{"text":"So I've given it to you guys.","start":471.68,"end":473.295,"sentiment":"neutral","sentiment_score":0.3236556031874248},{"text":"I've got all the paperwork to that says to the account numbers and all that to send it to you guys.","start":473.375,"end":482.27502,"sentiment":"neutral","sentiment_score":0.28270464213121504}],"sentiment":"neutral","sentiment_score":0.2837497940243677,"num_words":43,"start":463.12,"end":482.27502},{"sentences":[{"text":"Oh, okay.","start":496.91,"end":497.56998,"sentiment":"neutral","sentiment_score":0.10580706223845482},{"text":"Oh, whatchamacallit?","start":499.76498,"end":500.345,"sentiment":"neutral","sentiment_score":0.07314854860305786},{"text":"How does it work through PayPal?","start":502.645,"end":504.16498,"sentiment":"neutral","sentiment_score":0.07751632295548916},{"text":"There is a form the is it the same sort of thing that I gave to my employees?","start":504.16498,"end":509.785,"sentiment":"neutral","sentiment_score":0.07222871958381599},{"text":"That's my daughter.","start":510.645,"end":511.705,"sentiment":"neutral","sentiment_score":0.06462909777959187}],"sentiment":"neutral","sentiment_score":0.07474236791172335,"num_words":31,"start":496.91,"end":511.705},{"sentences":[{"text":"Yes.","start":526.14,"end":526.64,"sentiment":"neutral","sentiment_score":0.1352485418319702},{"text":"Oh, okay.","start":533.47504,"end":534.135,"sentiment":"neutral","sentiment_score":0.13764391839504242},{"text":"Where can I get the BPAY number then?","start":534.67505,"end":536.695,"sentiment":"neutral","sentiment_score":0.07811499806120992},{"text":"Oh, awesome.","start":539.315,"end":539.955,"sentiment":"positive","sentiment_score":0.36788567900657654},{"text":"If you could do that today, that'd be great.","start":539.955,"end":541.715,"sentiment":"positive","sentiment_score":0.7299898995293511}],"sentiment":"positive","sentiment_score":0.3791425825858658,"num_words":22,"start":526.14,"end":541.715},{"sentences":[{"text":"So then I can have it for the next month.","start":541.715,"end":544.23,"sentiment":"positive","sentiment_score":0.5066502064466476},{"text":"Next financial year and start doing it.","start":544.70996,"end":549.51,"sentiment":"neutral","sentiment_score":0.3158935691629137},{"text":"Thank you.","start":549.51,"end":550.17,"sentiment":"positive","sentiment_score":0.6990996599197388},{"text":"Yep.","start":560.205,"end":560.705,"sentiment":"positive","sentiment_score":0.5437861680984497},{"text":"Awesome.","start":564.28503,"end":564.78503,"sentiment":"positive","sentiment_score":0.7131261825561523}],"sentiment":"positive","sentiment_score":0.47299374852861675,"num_words":21,"start":541.715,"end":564.78503},{"sentences":[{"text":"Yes.","start":564.925,"end":565.425,"sentiment":"positive","sentiment_score":0.49853670597076416},{"text":"That'll be very good.","start":566.365,"end":568.465,"sentiment":"positive","sentiment_score":0.6118985861539841},{"text":"Okay.","start":580.54,"end":580.86,"sentiment":"neutral","sentiment_score":0.21842491626739505},{"text":"Yep.","start":580.86,"end":581.36,"sentiment":"neutral","sentiment_score":0.2585861384868622},{"text":"All good.","start":581.42,"end":581.89996,"sentiment":"positive","sentiment_score":0.566633552312851}],"sentiment":"positive","sentiment_score":0.5062676899962955,"num_words":9,"start":564.925,"end":581.89996},{"sentences":[{"text":"You should.","start":581.89996,"end":582.56,"sentiment":"positive","sentiment_score":0.5571525394916534},{"text":"I don't have the savings, but I do have the savings in cash, if you know what I mean.","start":602.19,"end":608.69,"sentiment":"neutral","sentiment_score":-0.03289405481987878},{"text":"Yeah.","start":611.95,"end":612.26996,"sentiment":"neutral","sentiment_score":0.059139691293239594},{"text":"I've I've yeah.","start":612.26996,"end":614.665,"sentiment":"neutral","sentiment_score":0.04332193732261658},{"text":"Cash savings.","start":614.665,"end":615.385,"sentiment":"neutral","sentiment_score":0.037964314222335815}],"sentiment":"neutral","sentiment_score":0.027938969226347074,"num_words":27,"start":581.89996,"end":615.385},{"sentences":[{"text":"So I've got about 3 and a half grand savings in cash because I can't trust myself with the bank because, you know, when you've got you, now everything's tap tap tap, and you can just keep tapping and you never lose track of it all.","start":615.385,"end":632.27997,"sentiment":"neutral","sentiment_score":0.01182551268974076},{"text":"So I'm just taking it out.","start":633.3,"end":635.0,"sentiment":"neutral","sentiment_score":-0.030117006972432137},{"text":"Yeah.","start":647.605,"end":648.105,"sentiment":"neutral","sentiment_score":0.07176749408245087},{"text":"So, yeah, I am I am also I have kind of started putting I have a a zed account that has a a 4.75% interest.","start":648.805,"end":660.84,"sentiment":"neutral","sentiment_score":0.07464586317539215},{"text":"It's the a zed plus account, which I'm gonna start putting I've already started this week of putting $300 a week in it to see if I can not touch it because that one is completely separate to every other account that I've got.","start":662.26,"end":676.875,"sentiment":"neutral","sentiment_score":0.038827231407842853}],"sentiment":"neutral","sentiment_score":0.032865440961523135,"num_words":122,"start":615.385,"end":676.875},{"sentences":[{"text":"So I don't need to touch it.","start":677.735,"end":679.32,"sentiment":"neutral","sentiment_score":0.2772690068398203},{"text":"Yeah.","start":681.88,"end":682.38,"sentiment":"neutral","sentiment_score":0.026926515623927116},{"text":"Yes.","start":686.12,"end":686.62,"sentiment":"neutral","sentiment_score":0.06199906766414642},{"text":"The personal loan's down to 39 and 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problem.","start":719.31,"end":720.19,"sentiment":"neutral","sentiment_score":-0.24382318059603372}],"sentiment":"neutral","sentiment_score":-0.06773711058000724,"num_words":36,"start":705.105,"end":720.19},{"sentences":[{"text":"I went to Disneyland with my partner two years ago and just trying to get back onto the because I used all my credit cards and all my savings.","start":720.19,"end":730.585,"sentiment":"neutral","sentiment_score":-0.1388390462460189},{"text":"So I'm like, oh, dude.","start":730.645,"end":731.84503,"sentiment":"neutral","sentiment_score":-0.1996944397687912},{"text":"Trying to get back from it.","start":731.84503,"end":733.60504,"sentiment":"neutral","sentiment_score":-0.2401233067115148},{"text":"It's been very hard.","start":733.60504,"end":734.825,"sentiment":"neutral","sentiment_score":-0.30492741614580154},{"text":"So now I'm trying to put myself back into a routine where I can just save and focus 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yeah.","start":756.875,"end":758.095,"sentiment":"neutral","sentiment_score":0.19308096915483475}],"sentiment":"neutral","sentiment_score":0.10883894562721252,"num_words":39,"start":742.37006,"end":758.095},{"sentences":[{"text":"Yeah.","start":760.635,"end":761.04,"sentiment":"neutral","sentiment_score":0.12847620248794556},{"text":"No.","start":774.355,"end":774.59503,"sentiment":"neutral","sentiment_score":-0.07734499126672745},{"text":"I'm still trying to save to buy a house, but not really.","start":774.59503,"end":780.115,"sentiment":"neutral","sentiment_score":-0.06007811271895965},{"text":"I won't be able to make that that jump on my own, especially since the house is, like, over a mill.","start":780.115,"end":786.855,"sentiment":"neutral","sentiment_score":-0.11671695219618934},{"text":"So mostly mostly 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yeah.","start":1078.98,"end":1079.3799,"sentiment":"neutral","sentiment_score":0.05318527668714523},{"text":"Yeah.","start":1079.3799,"end":1079.8799,"sentiment":"neutral","sentiment_score":0.052515365183353424},{"text":"Yeah.","start":1080.6599,"end":1080.98,"sentiment":"neutral","sentiment_score":0.06057087332010269}],"sentiment":"neutral","sentiment_score":0.03492654077708721,"num_words":15,"start":1060.625,"end":1080.98},{"sentences":[{"text":"Yeah.","start":1080.98,"end":1081.0599,"sentiment":"neutral","sentiment_score":0.06281668692827225},{"text":"Yeah.","start":1081.0599,"end":1081.14,"sentiment":"neutral","sentiment_score":0.0641118586063385},{"text":"Yeah.","start":1081.14,"end":1081.22,"sentiment":"neutral","sentiment_score":0.06390214711427689},{"text":"Yeah.","start":1081.22,"end":1081.3799,"sentiment":"neutral","sentiment_score":0.07506833970546722},{"text":"Yeah.","start":1081.3799,"end":1081.5399,"sentiment":"neutral","sentiment_score":0.09723810851573944}],"sentiment":"neutral","sentiment_score":0.07262742817401886,"num_words":5,"start":1080.98,"end":1081.5399},{"sentences":[{"text":"Yeah.","start":1081.5399,"end":1082.0399,"sentiment":"neutral","sentiment_score":0.13657310605049133},{"text":"Yep.","start":1083.0651,"end":1083.545,"sentiment":"neutral","sentiment_score":0.24220901727676392},{"text":"That's I remember that, so it's all good.","start":1083.545,"end":1085.645,"sentiment":"positive","sentiment_score":0.4738789051771164},{"text":"Yes.","start":1097.705,"end":1098.12,"sentiment":"neutral","sentiment_score":0.15123367309570312},{"text":"Pretty much.","start":1098.2,"end":1099.02,"sentiment":"neutral","sentiment_score":0.17313066124916077}],"sentiment":"positive","sentiment_score":0.35902372002601624,"num_words":13,"start":1081.5399,"end":1099.02},{"sentences":[{"text":"Then it goes back 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forth.","start":1150.9751,"end":1157.4751,"sentiment":"neutral","sentiment_score":0.06547390580177308},{"text":"So I'm happy to stay like that.","start":1158.12,"end":1160.46,"sentiment":"positive","sentiment_score":0.5759358491216388}],"sentiment":"neutral","sentiment_score":0.0812454716725783,"num_words":55,"start":1143.935,"end":1160.46},{"sentences":[{"text":"And I'm not stressed because I know you guys are doing a great job at making me money.","start":1162.28,"end":1168.3,"sentiment":"positive","sentiment_score":0.5359949171543121},{"text":"Done.","start":1170.5751,"end":1171.0751,"sentiment":"neutral","sentiment_score":-0.00804903730750084},{"text":"I just get the investment probably.","start":1191.7101,"end":1193.41,"sentiment":"neutral","sentiment_score":-0.011740573061009249},{"text":"Yeah.","start":1195.63,"end":1196.13,"sentiment":"neutral","sentiment_score":0.013190225698053837},{"text":"Yeah.","start":1205.995,"end":1206.495,"sentiment":"neutral","sentiment_score":0.04241529479622841}],"sentiment":"positive","sentiment_score":0.35648227976290164,"num_words":27,"start":1162.28,"end":1206.495},{"sentences":[{"text":"No.","start":1207.4349,"end":1207.6749,"sentiment":"neutral","sentiment_score":0.06260015815496445},{"text":"That's good.","start":1207.6749,"end":1208.495,"sentiment":"neutral","sentiment_score":0.2729928344488144},{"text":"That's very good to hear.","start":1208.5549,"end":1209.9349,"sentiment":"positive","sentiment_score":0.5862691164016723},{"text":"Okay.","start":1252.02,"end":1252.52,"sentiment":"neutral","sentiment_score":0.012782970443367958},{"text":"Yep.","start":1252.66,"end":1252.98,"sentiment":"neutral","sentiment_score":-0.0016401367029175162}],"sentiment":"positive","sentiment_score":0.3551074242801405,"num_words":10,"start":1207.4349,"end":1252.98},{"sentences":[{"text":"No.","start":1252.98,"end":1253.14,"sentiment":"neutral","sentiment_score":-0.05030116066336632},{"text":"That's fine.","start":1253.14,"end":1253.78,"sentiment":"neutral","sentiment_score":-0.013350655615795404},{"text":"So So what's happening with the Uber?","start":1253.78,"end":1255.4249,"sentiment":"neutral","sentiment_score":-0.016426839998790195},{"text":"Are you gonna invest in can you invest in that or not?","start":1255.4249,"end":1258.005,"sentiment":"neutral","sentiment_score":-0.012173183262348175},{"text":"Oh, okay.","start":1280.27,"end":1281.01,"sentiment":"neutral","sentiment_score":0.01840533595532179}],"sentiment":"neutral","sentiment_score":-0.012552411630167626,"num_words":24,"start":1252.98,"end":1281.01},{"sentences":[{"text":"Yeah.","start":1288.7251,"end":1289.2251,"sentiment":"neutral","sentiment_score":0.013697311282157898},{"text":"Oh, okay.","start":1292.0851,"end":1292.8251,"sentiment":"neutral","sentiment_score":0.1453499123454094},{"text":"Cool.","start":1292.885,"end":1293.36,"sentiment":"neutral","sentiment_score":0.25506919622421265},{"text":"Because it that that one looks like it's gonna be a it's gonna go up very quickly.","start":1295.36,"end":1302.4,"sentiment":"neutral","sentiment_score":0.18874159367645488},{"text":"At the moment, it already has gone up, especially with this whole petrol crisis happening.","start":1302.4,"end":1310.755,"sentiment":"neutral","sentiment_score":-0.10613981857895852}],"sentiment":"neutral","sentiment_score":0.06044378183368179,"num_words":36,"start":1288.7251,"end":1310.755},{"sentences":[{"text":"To the Uber.","start":1326.19,"end":1327.3099,"sentiment":"neutral","sentiment_score":0.05843542143702507},{"text":"Yeah.","start":1327.3099,"end":1327.8099,"sentiment":"neutral","sentiment_score":0.1286204308271408},{"text":"Yeah.","start":1359.75,"end":1360.07,"sentiment":"neutral","sentiment_score":0.2050982117652893},{"text":"Even if it's 5%, you know, so long as there's something in there.","start":1360.07,"end":1366.555,"sentiment":"neutral","sentiment_score":0.14319438888476446},{"text":"Because like I said, I I have a feeling.","start":1366.935,"end":1369.015,"sentiment":"neutral","sentiment_score":0.1453424005044831}],"sentiment":"neutral","sentiment_score":0.13624568766465894,"num_words":27,"start":1326.19,"end":1369.015},{"sentences":[{"text":"I have I've tracked it, and Uber at the moment is going up very quickly.","start":1369.015,"end":1375.275,"sentiment":"positive","sentiment_score":0.35471304059028624},{"text":"Like, everyone's using it.","start":1375.3351,"end":1376.615,"sentiment":"positive","sentiment_score":0.40529508143663406},{"text":"Everyone wants it because no one wants to pay for their petrol.","start":1376.615,"end":1380.33,"sentiment":"neutral","sentiment_score":0.1264162678271532},{"text":"And also you've got Uber Eats, you've got Uber Shares, you've got Uber of Ebersal.","start":1382.23,"end":1386.09,"sentiment":"neutral","sentiment_score":0.1788410425186157},{"text":"So Okay.","start":1389.59,"end":1413.4,"sentiment":"neutral","sentiment_score":0.2650853097438812}],"sentiment":"neutral","sentiment_score":0.24315952928736806,"num_words":48,"start":1369.015,"end":1413.4},{"sentences":[{"text":"Awesome.","start":1413.54,"end":1414.04,"sentiment":"positive","sentiment_score":0.5712343454360962},{"text":"Not really.","start":1441.76,"end":1442.5,"sentiment":"neutral","sentiment_score":-0.255740150809288},{"text":"Like, because I'm not retiring anytime soon, it's not like I'm gonna hurry this up really quickly at the moment.","start":1445.7351,"end":1453.115,"sentiment":"neutral","sentiment_score":-0.25119857862591743},{"text":"But at the same time, I do wanna hurry it up.","start":1453.9751,"end":1455.9751,"sentiment":"neutral","sentiment_score":0.04977875575423241},{"text":"It's it's a it's a 50 50 sort of thing.","start":1455.9751,"end":1458.395,"sentiment":"neutral","sentiment_score":0.022602507937699558}],"sentiment":"neutral","sentiment_score":-0.09524150309152901,"num_words":44,"start":1413.54,"end":1458.395},{"sentences":[{"text":"So whatever you guys think is best.","start":1459.75,"end":1462.25,"sentiment":"neutral","sentiment_score":0.061651461092489104},{"text":"Pardon?","start":1463.83,"end":1464.33,"sentiment":"neutral","sentiment_score":0.0006621641805395484},{"text":"Yeah.","start":1466.55,"end":1467.05,"sentiment":"neutral","sentiment_score":0.07401803880929947},{"text":"Yep.","start":1477.4451,"end":1477.9451,"sentiment":"neutral","sentiment_score":0.07313430309295654},{"text":"Yep.","start":1478.5651,"end":1478.885,"sentiment":"neutral","sentiment_score":0.05814564228057861}],"sentiment":"neutral","sentiment_score":0.057956397819163445,"num_words":11,"start":1459.75,"end":1478.885},{"sentences":[{"text":"Not that perfectly fine.","start":1478.885,"end":1480.665,"sentiment":"neutral","sentiment_score":0.013010522350668907},{"text":"No.","start":1495.64,"end":1495.88,"sentiment":"neutral","sentiment_score":-0.07916294783353806},{"text":"I'm still good with that with that that stuff.","start":1495.88,"end":1498.54,"sentiment":"neutral","sentiment_score":0.05518631233523289},{"text":"I don't need to worry.","start":1498.92,"end":1500.045,"sentiment":"neutral","sentiment_score":0.11739798933267594},{"text":"Yep.","start":1503.485,"end":1503.985,"sentiment":"neutral","sentiment_score":0.3095090091228485}],"sentiment":"neutral","sentiment_score":0.06830274541862309,"num_words":20,"start":1478.885,"end":1503.985},{"sentences":[{"text":"Yep.","start":1505.885,"end":1506.2051,"sentiment":"neutral","sentiment_score":0.08600644767284393},{"text":"And then maybe when I'm actually, like, maybe in my fifties or I'm 55 or something, I might think of insurances and stuff.","start":1506.2051,"end":1513.58,"sentiment":"neutral","sentiment_score":0.041431532443865486},{"text":"But at the moment, I yeah.","start":1514.84,"end":1519.1,"sentiment":"neutral","sentiment_score":0.07612329597274463},{"text":"Yeah.","start":1524.775,"end":1525.275,"sentiment":"neutral","sentiment_score":0.10744534432888032},{"text":"Yep.","start":1527.975,"end":1528.375,"sentiment":"neutral","sentiment_score":0.07183530926704407}],"sentiment":"neutral","sentiment_score":0.052342253853566945,"num_words":32,"start":1505.885,"end":1528.375},{"sentences":[{"text":"No.","start":1528.375,"end":1528.695,"sentiment":"neutral","sentiment_score":0.08509768545627594},{"text":"All good.","start":1528.695,"end":1529.4349,"sentiment":"neutral","sentiment_score":0.2782517224550247},{"text":"Thank you, Majli.","start":1530.535,"end":1531.595,"sentiment":"positive","sentiment_score":0.49686648448308307},{"text":"No.","start":1546.31,"end":1546.81,"sentiment":"neutral","sentiment_score":-0.11759672313928604},{"text":"I I never have questions with you guys because I know you guys are doing the best you can, especially with this whole war thing and everything going on.","start":1547.51,"end":1557.055,"sentiment":"neutral","sentiment_score":-0.21281008704982954}],"sentiment":"neutral","sentiment_score":-0.11546912954913245,"num_words":36,"start":1528.375,"end":1557.055},{"sentences":[{"text":"I do keep an eye on my on my ups and downs on the app to make sure it's not going too far, but I understand as well because of the whole changing of the world thing.","start":1557.055,"end":1571.43,"sentiment":"neutral","sentiment_score":0.010379490014669058},{"text":"That's why it's because at one point, it was at 02/2005, I think it was, or 02/2003.","start":1571.43,"end":1577.61,"sentiment":"neutral","sentiment_score":-0.0818110209177522},{"text":"And now it's gone back down to $1.90.","start":1578.705,"end":1581.205,"sentiment":"neutral","sentiment_score":-0.15032157767564058},{"text":"But I understand again because of the whole shit that's happening.","start":1582.465,"end":1585.525,"sentiment":"neutral","sentiment_score":-0.2359559400515123},{"text":"Yeah.","start":1586.3049,"end":1586.8049,"sentiment":"neutral","sentiment_score":-0.05596863105893135}],"sentiment":"neutral","sentiment_score":-0.06568652456878005,"num_words":74,"start":1557.055,"end":1586.8049},{"sentences":[{"text":"So but Yeah.","start":1587.4249,"end":1593.4199,"sentiment":"neutral","sentiment_score":-0.01936854049563408},{"text":"It's but, again, it's it's coming up really well.","start":1593.4199,"end":1597.5,"sentiment":"positive","sentiment_score":0.35274908919301295},{"text":"And from the graph, I can tell it's even it's better than it was last year anyway regardless of going up and down.","start":1597.5,"end":1603.6,"sentiment":"neutral","sentiment_score":0.20188154199201128},{"text":"I'm still I'm still better off this year than I was last year, so it's all going great.","start":1604.7799,"end":1611.895,"sentiment":"neutral","sentiment_score":0.21120433550741938},{"text":"Mhmm.","start":1612.275,"end":1612.775,"sentiment":"neutral","sentiment_score":0.07190334796905518}],"sentiment":"neutral","sentiment_score":0.21543505618831627,"num_words":54,"start":1587.4249,"end":1612.775},{"sentences":[{"text":"Sorry.","start":1613.635,"end":1614.115,"sentiment":"neutral","sentiment_score":0.07603874802589417},{"text":"I I yeah.","start":1614.115,"end":1616.835,"sentiment":"neutral","sentiment_score":0.05193708774944147},{"text":"Sorry.","start":1616.835,"end":1617.235,"sentiment":"neutral","sentiment_score":-0.010923581197857857},{"text":"I'm very aware of my I'm very aware of my sleepover because you got you've given me the app and stuff, and I'm also very aware of what's happening around the world and how it affects everything.","start":1617.235,"end":1628.71,"sentiment":"neutral","sentiment_score":0.0013868141718007424},{"text":"So there's not there's not much you got I have to ask.","start":1628.71,"end":1633.05,"sentiment":"neutral","sentiment_score":0.030420580723633368}],"sentiment":"neutral","sentiment_score":0.011801583761418308,"num_words":54,"start":1613.635,"end":1633.05},{"sentences":[{"text":"Yeah.","start":1635.465,"end":1635.965,"sentiment":"neutral","sentiment_score":0.15864187479019165},{"text":"Yeah.","start":1654.95,"end":1655.2699,"sentiment":"neutral","sentiment_score":-0.09631981700658798},{"text":"Freaks people out and you you suffer with sometimes.","start":1655.2699,"end":1658.6499,"sentiment":"neutral","sentiment_score":-0.2705054051346249},{"text":"But not all good.","start":1660.3899,"end":1662.4099,"sentiment":"neutral","sentiment_score":-0.269194345921278},{"text":"Yep.","start":1676.745,"end":1677.245,"sentiment":"neutral","sentiment_score":0.10268932580947876}],"sentiment":"neutral","sentiment_score":-0.20914466539397836,"num_words":16,"start":1635.465,"end":1677.245},{"sentences":[{"text":"No dramas.","start":1677.8899,"end":1678.5499,"sentiment":"neutral","sentiment_score":0.037134841084480286},{"text":"Give me a call closer to the day because sometimes, like, for instance, today, I work in baking, not in traffic.","start":1686.45,"end":1692.7899,"sentiment":"neutral","sentiment_score":-0.008584948123565741},{"text":"So that's why I was able to take the call at one.","start":1693.1449,"end":1696.205,"sentiment":"neutral","sentiment_score":0.008940753061324358},{"text":"But if I'm working in traffic all day, I can't take the call because I'm right?","start":1696.825,"end":1701.085,"sentiment":"neutral","sentiment_score":-0.11018400848843157},{"text":"So and and I don't know, yeah, I don't know from I know from day to day.","start":1702.105,"end":1707.945,"sentiment":"neutral","sentiment_score":-0.13106684299076304}],"sentiment":"neutral","sentiment_score":-0.058673612622763306,"num_words":68,"start":1677.8899,"end":1707.945},{"sentences":[{"text":"I don't know from I don't know weeks in advance.","start":1707.945,"end":1711.6,"sentiment":"neutral","sentiment_score":-0.13029882982373236},{"text":"So, yeah, just give us a call.","start":1713.5,"end":1715.26,"sentiment":"neutral","sentiment_score":0.006517730520239898},{"text":"Yeah.","start":1715.26,"end":1715.76,"sentiment":"neutral","sentiment_score":0.10135629773139954},{"text":"Yeah.","start":1719.5,"end":1719.82,"sentiment":"neutral","sentiment_score":0.23786622285842896},{"text":"That'd be awesome.","start":1719.82,"end":1720.72,"sentiment":"positive","sentiment_score":0.608840545018514}],"sentiment":"neutral","sentiment_score":0.041289998684078455,"num_words":22,"start":1707.945,"end":1720.72},{"sentences":[{"text":"Yes.","start":1740.8,"end":1741.3,"sentiment":"neutral","sentiment_score":0.23491117358207703},{"text":"Yes.","start":1760.745,"end":1760.97,"sentiment":"neutral","sentiment_score":0.09742175787687302},{"text":"Awesome.","start":1768.73,"end":1769.23,"sentiment":"positive","sentiment_score":0.4823445677757263},{"text":"Awesome.","start":1778.985,"end":1779.485,"sentiment":"positive","sentiment_score":0.3987331688404083},{"text":"Thank you much, please.","start":1779.9451,"end":1781.245,"sentiment":"positive","sentiment_score":0.45226337015628815}],"sentiment":"positive","sentiment_score":0.37780801858752966,"num_words":8,"start":1740.8,"end":1781.245},{"sentences":[{"text":"Yes.","start":1784.905,"end":1785.225,"sentiment":"neutral","sentiment_score":0.09642025828361513},{"text":"That would be great.","start":1785.225,"end":1786.025,"sentiment":"neutral","sentiment_score":0.2945935130119324},{"text":"So then I can start contributing some more.","start":1786.025,"end":1788.36,"sentiment":"neutral","sentiment_score":0.22794916294515133},{"text":"Yeah.","start":1795.48,"end":1795.98,"sentiment":"neutral","sentiment_score":0.07796791940927505},{"text":"After after July, like, the July, I'll start putting money into it.","start":1796.52,"end":1801.82,"sentiment":"neutral","sentiment_score":0.11816397526611884}],"sentiment":"neutral","sentiment_score":0.17670473986520216,"num_words":26,"start":1784.905,"end":1801.82},{"sentences":[{"text":"No.","start":1813.795,"end":1814.115,"sentiment":"neutral","sentiment_score":-0.029719706624746323},{"text":"I'm actually doing pretty well at the moment.","start":1814.115,"end":1816.85,"sentiment":"positive","sentiment_score":0.7010033875703812},{"text":"You've answered everything.","start":1816.85,"end":1817.8099,"sentiment":"positive","sentiment_score":0.726068377494812},{"text":"You've explained everything, and you guys are doing a great job, so I have no issues.","start":1817.8099,"end":1822.87,"sentiment":"positive","sentiment_score":0.7955653890967369},{"text":"Yep.","start":1833.0149,"end":1833.5149,"sentiment":"positive","sentiment_score":0.418662965297699}],"sentiment":"positive","sentiment_score":0.7208352316299389,"num_words":29,"start":1813.795,"end":1833.5149},{"sentences":[{"text":"Thank you.","start":1835.575,"end":1836.215,"sentiment":"positive","sentiment_score":0.7469683885574341},{"text":"You too.","start":1836.215,"end":1836.9349,"sentiment":"positive","sentiment_score":0.4655553102493286},{"text":"Enjoy your weekend, and enjoy the sun that's finally coming up.","start":1836.9349,"end":1840.7949,"sentiment":"positive","sentiment_score":0.5047810186039318},{"text":"Awesome.","start":1844.64,"end":1845.14,"sentiment":"positive","sentiment_score":0.6337893009185791},{"text":"I'll catch you later then.","start":1847.28,"end":1851.14,"sentiment":"neutral","sentiment_score":0.23808963298797609}],"sentiment":"positive","sentiment_score":0.4667560032435826,"num_words":21,"start":1835.575,"end":1851.14},{"sentences":[{"text":"Yeah.","start":1853.8401,"end":1854.24,"sentiment":"neutral","sentiment_score":0.0896148607134819},{"text":"Bye.","start":1854.24,"end":1854.74,"sentiment":"neutral","sentiment_score":0.06530173867940903}],"sentiment":"neutral","sentiment_score":0.07745829969644547,"num_words":2,"start":1853.8401,"end":1854.74}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? Give me two secs.\n\nChannel 0: Good afternoon, Susanna. No worries at all. Hi, Susanna. It's Tommy here. I'm the senior adviser at ITU.\n\nHow are you going today?\n\nChannel 1: Not bad. Not bad at all. Just chilling here\n\nChannel 0: Great\n\nChannel 1: playing\n\nChannel 0: to\n\nChannel 1: good.\n\nChannel 0: hear.\n\nChannel 1: How\n\nChannel 0: Oh,\n\nChannel 1: are you?\n\nChannel 0: it's an absolute beautiful Friday. We're trying a bit of working from home with the fuel shortage at the moment, and I'm just kind of looking at it. The sun's\n\nChannel 1: Oh, nice.\n\nChannel 0: finally come out after three days, so loving it. No worries. What I wanted to call you about today, Susanna, was we were finalizing some updated advice for your superannuation, and I went through a whole bunch of research that was being done by Kyle, one of the advisers that you spoke to for some Uber shares inside your super. Does that ring a bell?\n\nChannel 1: Yes. It does.\n\nChannel 0: Yes. So we've pretty much got an updated portfolio in mind for you, and I wanted to just finalize a couple of things with you today so I can get that sent through to you over the next week or two. Do you have about fifteen, twenty minutes for me today?\n\nChannel 1: Yes.\n\nChannel 0: Perfect.\n\nChannel 1: Like I said,\n\nChannel 0: So\n\nChannel 1: I'm just sitting here playing games. Yeah.\n\nChannel 0: no. That's perfect. And I will definitely leave you to that because I would absolutely love to jump on and play some games too, but I still got a few hours left.\n\nChannel 1: Yeah. No. Good.\n\nChannel 0: I've got your your fact find open in front of me with all of your details, and Sam was just telling me that you didn't really have any major changes over, I guess, the the sort of Christmas period and the New Year's. Everything's pretty well\n\nChannel 1: Yes.\n\nChannel 0: stable at your end.\n\nChannel 1: Everything's the same. Yep.\n\nChannel 0: Yep. So I'm gonna go through a few portfolio ideas with you today. Before I do that, are you okay for me to do the usual security check with you?\n\nChannel 1: Yep. No dramas.\n\nChannel 0: Perfect. So the calls are recorded for training and quality purposes, and I'm registered with Aptive as adviser one 273105. Could you please confirm your date of birth and address?\n\nChannel 1: '82, and a 63 community parade now.\n\nChannel 0: Fantastic. Now I'm going through your goals that were captured by Carl as well just to make sure that's all current as well. The main thing that I can say for you is obviously we've got the superannuation, which we're trying to is bit of comfortable living a lifestyle with the family and making sure all debts are paid down by retirement. Does that sound right?\n\nChannel 1: Yes.\n\nChannel 0: Perfect. There was a note here that we're looking possibly towards the age of 67 for retirement with mortgage paid off in about $800 a week coming out in today's dollars, obviously, accounting for inflation. Does that still sound about right?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Occupation wise, we've got you doing traffic control and baking sorry,\n\nChannel 1: Yes.\n\nChannel 0: baker.\n\nChannel 1: Yes. Still\n\nChannel 0: Yep.\n\nChannel 1: the same.\n\nChannel 0: So\n\nChannel 1: Mhmm.\n\nChannel 0: 85,000 for the annual income sound about right?\n\nChannel 1: No. It's increased.\n\nChannel 0: Oh, fantastic. I don't know if you know what you're gonna end up with for this financial year between the two jobs.\n\nChannel 1: I'm thinking at the moment, I'm already at a 112,\n\nChannel 0: Oh, and we\n\nChannel 1: I\n\nChannel 0: still\n\nChannel 1: think.\n\nChannel 0: got another month and a half to go?\n\nChannel 1: Yeah. Which I'm scared I'm gonna go ahead for the threshold.\n\nChannel 0: Yeah.\n\nChannel 1: But\n\nChannel 0: So we're thinking, like, $1.20 or\n\nChannel 1: yeah. I'm thinking that because I've\n\nChannel 0: yep.\n\nChannel 1: got at the moment, it's 76 k in cold and $30.32, I think, from traffic.\n\nChannel 0: Okay. I might\n\nChannel 1: I'll say\n\nChannel 0: even just double check your contributions and work those back just to clarify it, but one twenty sounds pretty close.\n\nChannel 1: oh, yeah. No. It's a I was at my 105, sorry, at the moment.\n\nChannel 0: Yeah. Fantastic. So\n\nChannel 1: So 2,\n\nChannel 0: hundred and five at the moment.\n\nChannel 1: 46. Yeah. So I'm thinking of reaching a 150.\n\nChannel 0: 15. Okay.\n\nChannel 1: Yeah.\n\nChannel 0: That's perfect. I'll put that in and update the contributions coming in and update the projections as well. So that way, it looks a little bit\n\nChannel 1: Yeah. The\n\nChannel 0: more\n\nChannel 1: the\n\nChannel 0: accurate\n\nChannel 1: problem is\n\nChannel 0: for you.\n\nChannel 1: the problem is there's not much super going in because they've got a new fucking system, which is stupid. Any overtime doesn't\n\nChannel 0: Oh,\n\nChannel 1: get taxed.\n\nChannel 0: nothing.\n\nChannel 1: Yeah. I mean, it doesn't get stupid. And any out of range how can I put it? Any out\n\nChannel 0: Like,\n\nChannel 1: of\n\nChannel 0: long distance work?\n\nChannel 1: no. Out of because I'm a baker, I work from twelve in the morning till fucking eight 08:00 in the morning.\n\nChannel 0: Oh, yeah. Yeah.\n\nChannel 1: So the those times in between there are called out of range. They're out of the normal range of normally hours. They don't get super either, and that's the problem. That's why there there hasn't been much super put in. So\n\nChannel 0: Oh, right.\n\nChannel 1: as of\n\nChannel 0: So you're\n\nChannel 1: next\n\nChannel 0: getting a bit of a double dip.\n\nChannel 1: yeah. It's stupid. So sometimes I'm earning, like was it $1,200, and I'm only getting a $120 for super?\n\nChannel 0: Yeah. Okay.\n\nChannel 1: It's like it's it's because of the that penalty sheet that they did. So I'm getting more money, but not enough to go into my favor.\n\nChannel 0: Yeah. It's not\n\nChannel 1: So\n\nChannel 0: like the same it's not a flat 12% on everything that you've earned. It's a lot\n\nChannel 1: yeah.\n\nChannel 0: less\n\nChannel 1: Exactly.\n\nChannel 0: than that.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Okay.\n\nChannel 1: So\n\nChannel 0: Alright. Well, I'll factor that in.\n\nChannel 1: as\n\nChannel 0: Thank\n\nChannel 1: of,\n\nChannel 0: you for that.\n\nChannel 1: yeah, no, as\n\nChannel 0: Mhmm.\n\nChannel 1: of next year though, as of the next financial year, I'm gonna start contributing an extra $100 on top a week into super.\n\nChannel 0: Okay. Do you know are you just gonna do that salary sacrifice through the payroll system? You're gonna do that personally? How are you gonna do the transaction?\n\nChannel 1: I don't know how that's gonna work. I might just have to do it personally. So I've got all the forms and emails and stuff in my emails, and I can go through that and have a look how I can do it personally.\n\nChannel 0: Okay. Okay. And you were saying 100 a week?\n\nChannel 1: Yeah.\n\nChannel 0: K. If you need any help with it, one of the things that we do for a lot of, like, self employed guys is they put in contributions through BPAY or EFT personally. And then when it comes to June each year, we do a notice of intent to claim form, prefill it for you, and help you claim it as a tax deduction if you're not gonna do it through salary sacrifice. So if that might be helpful for you.\n\nChannel 1: Oh, that would be very helpful. I have to call you guys back in July.\n\nChannel 0: We'll organize it. We'll basically put in a catch up in, like, May, and we'll pretty much just fill out some forms for you, get you to sign it, send it off to the super fund. They code it with the tax office, and as long as you get the confirmation letter before you submit your tax return, you're good to go.\n\nChannel 1: Oh, cool. Okay.\n\nChannel 0: Cool. So\n\nChannel 1: Even\n\nChannel 0: if\n\nChannel 1: better.\n\nChannel 0: salary sacrifice is not gonna work, we can do that for you.\n\nChannel 1: Oh, awesome. You know, I'm talking more of the putting into the super. So I've given it to you guys. I've got all the paperwork to that says to the account numbers and all that to send it to you guys.\n\nChannel 0: Yeah. Cool. So whether it's BPA or EST, once that comes in, it comes in as, like, a personal contribution. We do that for months a year. You get the deduction, and that's 5,200 down on your taxable income.\n\nChannel 1: Oh, okay. Oh, whatchamacallit? How does it work through PayPal? There is a form the is it the same sort of thing that I gave to my employees? That's my daughter.\n\nChannel 0: Similar. Similar. So the employer and they've got all these reference numbers linking to your account. Whereas if you're gonna put it in from, like, your bank account as an example, you can do a direct,\n\nChannel 1: Yes.\n\nChannel 0: like, BPAY or EFT debit, and that can just go in regularly too. So whichever one works for you,\n\nChannel 1: Oh, okay. Where can I get the BPAY number then?\n\nChannel 0: we can send it through to you.\n\nChannel 1: Oh, awesome. If you could do that today, that'd be great. So then I can have it for the next month. Next financial year and start doing\n\nChannel 0: Yep. Absolutely. So what I'll do is\n\nChannel 1: it.\n\nChannel 0: I'll\n\nChannel 1: Thank\n\nChannel 0: get\n\nChannel 1: you.\n\nChannel 0: the BPA details sent through to you. We'll go through a bit of an updated plan in about a week or two's time with all of the investment changes and everything with updated projections for you,\n\nChannel 1: Yep.\n\nChannel 0: and then you should be pretty well sweet for the financial year.\n\nChannel 1: Awesome. Yes.\n\nChannel 0: Cool.\n\nChannel 1: That'll be\n\nChannel 0: So\n\nChannel 1: very good.\n\nChannel 0: the last couple of things I wanted to go over with you was just a couple of quick checks on your assets and then the portfolio ideas, and then I'll pretty well have a good direction from there.\n\nChannel 1: Okay. Yep. All good. You should.\n\nChannel 0: Cool. So in terms of assets, we've got two cars, about 25 worth of vehicles in those two cars, about thousand dollars in bank in terms of savings. Is that still pretty accurate, or is it changed quite a bit?\n\nChannel 1: I don't have the savings, but I do have the savings in cash, if you know what I mean.\n\nChannel 0: Yep. Perfect. I get you. I get you. I'll\n\nChannel 1: Yeah.\n\nChannel 0: just\n\nChannel 1: I've\n\nChannel 0: say\n\nChannel 1: I've\n\nChannel 0: cash saving.\n\nChannel 1: yeah. Cash savings. So I've got about 3 and a half grand savings in cash\n\nChannel 0: Yep.\n\nChannel 1: because I can't trust myself\n\nChannel 0: Yep.\n\nChannel 1: with the bank because, you know, when you've got you, now everything's tap tap tap, and you can just keep tapping and you never lose track of it all.\n\nChannel 0: Oh, no.\n\nChannel 1: So\n\nChannel 0: My\n\nChannel 1: I'm just\n\nChannel 0: wife\n\nChannel 1: taking it out.\n\nChannel 0: the same thing under control and rolling properly, and we have to do separate accounts. And I pulled some cash out, and so this is your fund money for the week. And, yeah, I understand completely.\n\nChannel 1: Yeah. So, yeah, I am I am also I have kind of started putting I have a a zed account that has a a 4.75% interest.\n\nChannel 0: Yeah.\n\nChannel 1: It's the a zed plus account, which I'm gonna start putting I've already started this week of putting $300 a week in it to see if I can not touch it because that one is completely separate to every other account that I've got. So\n\nChannel 0: Fantastic.\n\nChannel 1: I don't need\n\nChannel 0: So\n\nChannel 1: to touch it.\n\nChannel 0: build up the savings. Do\n\nChannel 1: Yeah.\n\nChannel 0: you still have the the credit cards and the personal one that you're trying to knock down?\n\nChannel 1: Yes.\n\nChannel 0: Yep.\n\nChannel 1: The personal\n\nChannel 0: Cool. So\n\nChannel 1: loan's\n\nChannel 0: I think\n\nChannel 1: down to 39 and sorry. 29. And the credit cards\n\nChannel 0: Sensational.\n\nChannel 1: are paid off.\n\nChannel 0: Oh, well done. You're you're doing\n\nChannel 1: So yeah.\n\nChannel 0: everything right.\n\nChannel 1: Yeah. I'm I'm I'm getting there. It's it's slowly but surely. So\n\nChannel 0: Savings building up, super's building up.\n\nChannel 1: well,\n\nChannel 0: Anything\n\nChannel 1: I'm\n\nChannel 0: else\n\nChannel 1: trying\n\nChannel 0: on the\n\nChannel 1: to\n\nChannel 0: cards\n\nChannel 1: save up.\n\nChannel 0: for you?\n\nChannel 1: Yeah. So I'm I'm getting back on track. It it it it took me a while to get back on track after I went to Disneyland. That's the problem. I went to Disneyland with\n\nChannel 0: Yeah.\n\nChannel 1: my partner two years ago and just trying to get back onto the because I used all my credit cards and all my savings. So I'm like, oh, dude. Trying to get back from it. It's been very hard. So now I'm\n\nChannel 0: Yeah.\n\nChannel 1: trying to put myself back into a routine where I can just save and focus on. So I've paid off the credit cards finally. The loan is\n\nChannel 0: Okay.\n\nChannel 1: still going down, which is great. I'm actually paying\n\nChannel 0: Yeah.\n\nChannel 1: more than what I need to, so I'm overdrawn. I mean, I've got Rachel of five k. So yeah.\n\nChannel 0: Fantastic. So then\n\nChannel 1: Yeah.\n\nChannel 0: are you doing everything right? So is there anything else that you're you're gonna build towards after that? Like, obviously, debts will be paid down, your savings will be up. Is there a sort of medium term goal for what to do after you're back on track?\n\nChannel 1: No. I'm still trying to save to buy a house,\n\nChannel 0: Yeah.\n\nChannel 1: but not really. I won't be able to make that that jump on my own, especially since the house is, like, over a mill.\n\nChannel 0: Yeah.\n\nChannel 1: So mostly\n\nChannel 0: Need a bit of assistance\n\nChannel 1: mostly\n\nChannel 0: there.\n\nChannel 1: yeah. Mostly, it's just to be able to live with no worries. So that's what my saving goal is, is to be able to work and not have to stress too much about\n\nChannel 0: Yep. Georgia.\n\nChannel 1: money. Do you know what I mean? Because at the moment, I'm boarding boarding with my mom, and I'm paying $230 a week. Don't have to worry about any rent. Mom feeds me and everything.\n\nChannel 0: Oh, so in a\n\nChannel 1: So\n\nChannel 0: good spot to save up some cash.\n\nChannel 1: Yeah. Pretty much.\n\nChannel 0: Okay.\n\nChannel 1: So\n\nChannel 0: I think all\n\nChannel 1: it's\n\nChannel 0: sounds like worthy goals. I've got those updated.\n\nChannel 1: yep.\n\nChannel 0: Go. Just quickly on just before I jump into the super there, in terms of the state planning, I think you've got beneficiary nominations split between Anna, Pedro, and Catherine.\n\nChannel 1: Yes.\n\nChannel 0: Can I just double check with you their relations here?\n\nChannel 1: My Anna's my mom, Catherine's my sister,\n\nChannel 0: Yep.\n\nChannel 1: and Pedro is my nephew.\n\nChannel 0: Okay. Sister and nephew. Thank you.\n\nChannel 1: Yep.\n\nChannel 0: And did you say sorry. Catherine, would you mind?\n\nChannel 1: No. Catherine's my sister. Anna is my\n\nChannel 0: Sorry.\n\nChannel 1: mom. That's right.\n\nChannel 0: Catherine's sister, Petra nephew. K. Just bear in mind that, obviously, government makes it a bit of a pain in the butt when it comes to beneficiary nominations, and usually, you gotta send all of that into, like, a will to get it off to\n\nChannel 1: Yes.\n\nChannel 0: people who aren't financially dependent. So I can leave it alone, but just wanted to remind you about the old will situation.\n\nChannel 1: Yep. No. That's fine. At the moment, it's I'm not gonna do it anytime soon, so I'm good.\n\nChannel 0: Yep. Touch wood. That'd be\n\nChannel 1: But\n\nChannel 0: fantastic.\n\nChannel 1: yeah. True. Oh, no. Traffic is actually pretty safe considering everyone thinks it's such a hectic job. It's actually a pretty safe industry.\n\nThere are\n\nChannel 0: Lot\n\nChannel 1: so many\n\nChannel 0: of, like,\n\nChannel 1: measures.\n\nChannel 0: regulations and checks and measures in place.\n\nChannel 1: Well\n\nChannel 0: Yeah.\n\nChannel 1: well, not just that. When you're on the road, there are so many so many measures you have to take before you can step on the road. So there's signage, there's cones, there's only place there's certain places you can stand. It's and the back is fantastic. The stop is\n\nChannel 0: Yeah.\n\nChannel 1: like, slide back. Everyone fucking you stick it out the front and the road stops immediately. It's fantastic. I haven't I haven't had any issues.\n\nChannel 0: Oh,\n\nChannel 1: So\n\nChannel 0: that's fantastic.\n\nChannel 1: and and also we're working with the customer. One of our clients is a no back policy.\n\nChannel 0: Okay.\n\nChannel 1: So in other words, we have to have a road closed. So the road's\n\nChannel 0: Oh, wow.\n\nChannel 1: gonna be has to be closed. There's no traffic going through it. So for for our safety and for the worker safety as well, so I don't have to worry about traffic. Just telling them, sorry. Very close.\n\nGo around. Follow the details.\n\nChannel 0: Oh, yeah. So it's not even one of those, like, one lane goes at a time thing. It's just straight up close it and detail.\n\nChannel 1: Yep. Yes. Pretty much. Because that's the policy for the client one of the clients we have. Because\n\nChannel 0: Yeah.\n\nChannel 1: in the past, they've lost a few traffic controllers.\n\nChannel 0: Oh.\n\nChannel 1: Not not not on their part on the negligence of the actual traffic controller. So to prevent that, they've created the no back policy.\n\nChannel 0: Yeah. Right. Okay.\n\nChannel 1: So\n\nChannel 0: But\n\nChannel 1: which is\n\nChannel 0: still\n\nChannel 1: great\n\nChannel 0: feels\n\nChannel 1: because\n\nChannel 0: pretty\n\nChannel 1: it's\n\nChannel 0: safe either way.\n\nChannel 1: yeah. Pretty much. So that's why I'm not gonna\n\nChannel 0: Cool.\n\nChannel 1: die\n\nChannel 0: Alright.\n\nChannel 1: anytime soon. I'm\n\nChannel 0: Good\n\nChannel 1: also\n\nChannel 0: to hear.\n\nChannel 1: very\n\nChannel 0: Good to hear.\n\nChannel 1: stressed, ma'am. Not really. Mhmm. But\n\nChannel 0: Alright.\n\nChannel 1: yeah.\n\nChannel 0: I'm just gonna go over your super investments with you because I wanted to kind of I had a bit of an idea for you, run it by you. If you remember with your super, we've got you in, like, a pretty high growth setup. Most of your super is in, like, shares and property, only about five to 10% is in the safer side to try and get you as much growth as possible. Does that ring a bell?\n\nChannel 1: Yes. It can actually, sorry. Can you repeat the last bit again?\n\nChannel 0: Yep. So if you're in high growth, we've got about 90 in growth assets, which is like shares and property, high risk, high return, and about five to 10%\n\nChannel 1: Oh, yeah.\n\nChannel 0: in\n\nChannel 1: Yeah.\n\nChannel 0: safer asset.\n\nChannel 1: Yeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yep. That's\n\nChannel 0: Cool.\n\nChannel 1: I\n\nChannel 0: So\n\nChannel 1: remember that, so it's all good.\n\nChannel 0: I'm assuming because retirement's a good twenty, twenty seven years away, you're still okay with the old ups and downs and trying to get all that growth until you're a bit closer to retirement and then protect it then?\n\nChannel 1: Yes. Pretty much.\n\nChannel 0: Yeah. Because the whole idea is you get those returns where it goes up 20% a year. Every seven years of the crash, because COVID,\n\nChannel 1: Then\n\nChannel 0: GFC,\n\nChannel 1: it goes back\n\nChannel 0: we use\n\nChannel 1: up. Yeah.\n\nChannel 0: that. Yep. And we use that as a buying opportunity. We do contributions. We repeat\n\nChannel 1: Yeah.\n\nChannel 0: that every year. So we're gonna be a year before retirement and lose half your super.\n\nChannel 1: Yeah. Exactly. No. That's perfectly fine. Just stay the same.\n\nChannel 0: Cool. So\n\nChannel 1: Because\n\nChannel 0: the two\n\nChannel 1: yeah.\n\nChannel 0: questions\n\nChannel 1: I\n\nChannel 0: I've got for you\n\nChannel 1: yes.\n\nChannel 0: sorry. Go.\n\nChannel 1: No. I saw a YouTube click on that whole where you have to be patient with your investments and stuff. Most people, as soon as they see a crash, it's like, oh my god. We gotta sell. Gotta sell.\n\nThey'll freak out. And that's it. But sometimes you don't have to\n\nChannel 0: Yeah.\n\nChannel 1: because they do go up and down like a roller coaster. And in like\n\nChannel 0: Yeah.\n\nChannel 1: you said, in seven five years or seven years, they'll go back up, and then they'll go back down and so forth. So I'm happy to stay like that. And I'm not stressed because I know you guys are doing a great job at making\n\nChannel 0: Mhmm. Oh,\n\nChannel 1: me money.\n\nChannel 0: thank you. One of the things\n\nChannel 1: Done.\n\nChannel 0: that I use as a bit of an analogy is like house prices. Right? If you buy a house for $600,000 or I get a million now, and if that dropped down to 800,000, is that a signal to rush off and go and sell it and crystallize the loss, or do you go, oh, I've been picking up a couple investment properties now and have three.\n\nChannel 1: I just get the investment probably.\n\nChannel 0: Yeah. And that's what we\n\nChannel 1: Yeah.\n\nChannel 0: kinda do is we just buy when it goes down for a cheaper price, and we don't sell anything to crystallize any losses until you're actually at retirement, and you need to start funding a pension.\n\nChannel 1: Yeah. No. That's good.\n\nChannel 0: Cool.\n\nChannel 1: That's very good to hear.\n\nChannel 0: So one thing that I'm gonna do is in your portfolio, most of the investments have been going up very, very well. All your shares and gold, 6%, 7%, 34% growth doing very good. The only one that's a concern for me at the moment is your Australian shares, which haven't been doing too well. And the other Australian shares options. So I wanna just when we're talking about the whole mixing in a bit of Uber, I wanna just do a bit of an engine tune up on the portfolio and switch that option out as well.\n\nChannel 1: Okay. Yep. No. That's fine. So So what's happening with the Uber?\n\nAre you gonna invest in can you invest in that or not?\n\nChannel 0: Yeah. We can. So the research that I've got is they'll kind of check-in if you had any in your current investments anyway. One thing that we can do is there's about it's only very small. We've got 0.28% of one of your investments goes into Uber already.\n\nChannel 1: Oh, okay.\n\nChannel 0: We've got a few $100 in there because, obviously, it buys, like, 200 shares sorry, 200\n\nChannel 1: Yeah.\n\nChannel 0: companies, and one of them includes Uber as well.\n\nChannel 1: Oh, okay. Cool. Because it that that one looks like it's gonna be a it's gonna go up very quickly. At the moment, it already has gone up,\n\nChannel 0: Yeah.\n\nChannel 1: especially with this whole petrol crisis happening.\n\nChannel 0: Yep. Absolutely. So what I wanna do is there was a bit of an idea that possibly you were looking at maybe at least having a couple of grand in there, maybe $2,000, if possible.\n\nChannel 1: To the Uber. Yeah.\n\nChannel 0: Yeah. So what I might do is sometimes these platforms, you can buy that share directly. And if you want that mixed in, I'm gonna double check today if they can let you buy it as a single shareholding alongside all your other investments. And we can put in, like, a maximum of, say, 10% into that one. It's not gonna throw everything out of weight too crazy.\n\nLike, I wouldn't go up up. Putting it in there.\n\nChannel 1: Yeah. Even if it's 5%, you know, so long as there's something in there. Because like I said, I I have a feeling. I have I've tracked it, and Uber at the moment is going up very quickly. Like, everyone's using it.\n\nEveryone wants it because no one wants to pay for their petrol.\n\nChannel 0: Yep.\n\nChannel 1: And also you've got Uber Eats, you've got Uber Shares, you've got Uber of Ebersal.\n\nChannel 0: Yeah. Yeah. So\n\nChannel 1: So\n\nChannel 0: I reckon five to 10% might be possible, and I'm gonna double check that as well. So I'll put all that together with a bit of an update on the portfolio. I'll see if I can mix in the Uber shares in there as well, and I'll add that extra contribution so I can show you kind of what that's gonna do to the super as well.\n\nChannel 1: Okay. Awesome.\n\nChannel 0: Cool. Susanna, do you have any preference? Like, there's no wrong answer for this one, but we can do passive or active investments. One being very low fee and follows the market pretty closely. The other side of things pays a slightly higher investment fee to try and get a higher return.\n\nDo you have a strong leaning between the two or a preference?\n\nChannel 1: Not really. Like, because I'm not retiring anytime soon, it's not like I'm gonna\n\nChannel 0: Mhmm.\n\nChannel 1: hurry this up really quickly at the moment. But at the same time, I do wanna hurry it up. It's it's a it's a 50 50 sort of thing. So whatever\n\nChannel 0: Yeah. So\n\nChannel 1: you\n\nChannel 0: we've\n\nChannel 1: guys\n\nChannel 0: got you in\n\nChannel 1: think\n\nChannel 0: a bit\n\nChannel 1: is\n\nChannel 0: of a\n\nChannel 1: best.\n\nChannel 0: blend at the moment.\n\nChannel 1: Pardon?\n\nChannel 0: Okay.\n\nChannel 1: Yeah.\n\nChannel 0: I might continue that sort of blend that we've got going at the moment because we use a bit of both. And if you're happy with that, I can find a bit of a replacement.\n\nChannel 1: Yep. Yep. Not that perfectly fine.\n\nChannel 0: Cool. And the last question I've got for you is just there was a note there that you're really not interested in, like, insurances and things like that. So I just wanted to ask the question again about life insurance, disability, income protection, all that kind of thing.\n\nChannel 1: No. I'm still good with that with that that stuff. I don't need to worry.\n\nChannel 0: Perfect. Just grow the super, save the fees\n\nChannel 1: Yep.\n\nChannel 0: and premiums, and let it catch up.\n\nChannel 1: Yep. And then maybe when I'm actually, like, maybe in my fifties or I'm 55 or something, I might think of insurances and stuff.\n\nChannel 0: Yeah.\n\nChannel 1: But\n\nChannel 0: And\n\nChannel 1: at\n\nChannel 0: if\n\nChannel 1: the\n\nChannel 0: you\n\nChannel 1: moment,\n\nChannel 0: end up getting\n\nChannel 1: I\n\nChannel 0: a mortgage down the line, you can add a bit of life insurance or\n\nChannel 1: yeah.\n\nChannel 0: something to pay off off the mortgage. But at the moment, if you focus on this on growing things and building the savings, but we're\n\nChannel 1: Yeah.\n\nChannel 0: here to tailor things to to your life.\n\nChannel 1: Yep. No. All good. Thank you, Majli.\n\nChannel 0: Awesome. Now we've gone through quite a bit today. So, again, I'll go through that stated plan with you in a couple of weeks time just to show you all the figures and changes and what it looks like. Do you have any questions for me so far?\n\nChannel 1: No. I I never have questions with you guys because I know you guys are doing the best you can, especially with this whole war thing and everything going on. I do keep an eye on my on my ups and downs on the app to make\n\nChannel 0: Yep.\n\nChannel 1: sure it's not going too far, but I understand as well because of the whole changing of the world thing. That's why it's because at one point, it was at 02/2005, I think it was, or 02/2003. And now it's gone back down to $1.90. But I understand again\n\nChannel 0: Yeah.\n\nChannel 1: because\n\nChannel 0: It's\n\nChannel 1: of\n\nChannel 0: sort\n\nChannel 1: the whole\n\nChannel 0: of bouncing\n\nChannel 1: shit that's\n\nChannel 0: around.\n\nChannel 1: happening. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: It's like\n\nChannel 1: but\n\nChannel 0: a that high growth is like a $20 up and down every couple of weeks at the moment.\n\nChannel 1: Yeah. It's but, again, it's it's coming up really well. And from the graph, I can tell it's even it's better than it was last year anyway regardless of going up and down. I'm still\n\nChannel 0: Yeah. Yep.\n\nChannel 1: I'm still\n\nChannel 0: Still\n\nChannel 1: better\n\nChannel 0: up.\n\nChannel 1: off this year than I was last year, so it's\n\nChannel 0: Yep.\n\nChannel 1: all\n\nChannel 0: Absolutely.\n\nChannel 1: going great. Mhmm. Sorry.\n\nChannel 0: Cool.\n\nChannel 1: I\n\nChannel 0: So I'll put all\n\nChannel 1: I\n\nChannel 0: this together.\n\nChannel 1: yeah. Sorry. I'm very aware of my I'm very aware of my sleepover because you got you've given me the app and stuff, and I'm also very aware of what's happening around the world and how it affects everything. So there's not there's not much\n\nChannel 0: Look.\n\nChannel 1: you\n\nChannel 0: I\n\nChannel 1: got\n\nChannel 0: appreciate\n\nChannel 1: I have\n\nChannel 0: it\n\nChannel 1: to\n\nChannel 0: because,\n\nChannel 1: ask.\n\nChannel 0: yeah, I appreciate\n\nChannel 1: Yeah.\n\nChannel 0: it because it means that, like, we're all on the same page with where we're trying to get to. We just need to do our job and keep reviewing things and and optimizing it every now and then. And sometimes part of our job is a bit of like a psychological coaching because people do get prone to panicking, and that's a part of it too.\n\nChannel 1: Yeah. Freaks people out and you you suffer with sometimes. But not all good.\n\nChannel 0: So, Susan, if it's okay with you, I was just checking through the file, and I'm gonna get the team to call you in about a week's time just to get you booked back in with me to go through that document with you.\n\nChannel 1: Yep. No dramas.\n\nChannel 0: Do you have any kind of preferred days and times, or should we just give you a call and book it in a bit close to the day?\n\nChannel 1: Give me a call closer to the day because sometimes, like, for instance, today, I work in baking, not in traffic. So that's why I was able to take\n\nChannel 0: Mhmm. Yes.\n\nChannel 1: the call at one. But if I'm working\n\nChannel 0: Okay.\n\nChannel 1: in traffic all day, I can't take the call because I'm right? So and and\n\nChannel 0: Yeah.\n\nChannel 1: I don't know, yeah, I don't know from I know from day to day. I don't know from I don't know weeks in advance. So, yeah,\n\nChannel 0: Gotcha.\n\nChannel 1: just give us a call. Yeah. Yeah. That'd be awesome.\n\nChannel 0: Cool. What I might do as well, if you're still comfortable with everything that we're doing, I we need to still be remaining as active advisers on your Netwealth account. So I was gonna send you through a bit of an annual review pack and, like, an updated service agreement if you're still happy for us to remain on there.\n\nChannel 1: Yes.\n\nChannel 0: Cool. So when you get that document, it's gonna come through from our new overview system. First one might go to your spam box, but everything after that should be cool. And it'll just have the usual, like, the 1.65% in the fees, the $600,000 cap, and the 12 month consent. And once\n\nChannel 1: Yes.\n\nChannel 0: we've got all that up there, we can obviously move things around on the account and still have transaction access.\n\nChannel 1: Awesome.\n\nChannel 0: Cool. Other than that, just expect a call in a week or two to have a quick chat with me, and I'll go through that portfolio with you.\n\nChannel 1: Awesome. Thank you much, please.\n\nChannel 0: And I'll send you those details hopefully today\n\nChannel 1: Yes.\n\nChannel 0: or\n\nChannel 1: That\n\nChannel 0: Monday.\n\nChannel 1: would be great. So then I can start contributing some more.\n\nChannel 0: Perfect. And just to double check, that'll be more like next financial year coming July.\n\nChannel 1: Yeah.\n\nChannel 0: Right?\n\nChannel 1: After after July, like, the July, I'll start putting money into it.\n\nChannel 0: Yep. Perfect. Alrighty. I'll add that in the plan too. Well, thank you so much for your time, Susanna.\n\nAny questions for me before I let you go? I know you said you don't have many at the moment, but\n\nChannel 1: No. I'm actually doing pretty well at the moment. You've answered everything. You've explained everything, and you guys are doing a great job, so I have no issues.\n\nChannel 0: Awesome, Susanna. I might send you the usual text message if you're happy to give us a a review and your feedback. And, look, it's been absolutely lovely talking to you today.\n\nChannel 1: Yep.\n\nChannel 0: I hope you have a fantastic\n\nChannel 1: Thank you. You too. Enjoy\n\nChannel 0: weekend.\n\nChannel 1: your weekend, and enjoy the sun that's finally coming up.\n\nChannel 0: Absolutely. Again, I'll be jumping on the games and going straight out\n\nChannel 1: Awesome.\n\nChannel 0: of it.\n\nChannel 1: I'll catch you later then.\n\nChannel 0: Alright, mate. Thank you. I'll talk to you soon. Bye.\n\nChannel 1: Yeah. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.48,"end":0.98,"sentiment":"neutral","sentiment_score":0.006460179109126329},{"text":"Give me two secs.","start":2.24,"end":3.3799999,"sentiment":"neutral","sentiment_score":0.008738980395719409}],"sentiment":"neutral","sentiment_score":0.008283220138400793,"channel":1,"num_words":5,"start":0.48,"end":3.3799999},{"sentences":[{"text":"Good afternoon, Susanna.","start":4.88,"end":6.16,"sentiment":"neutral","sentiment_score":0.2971990704536438},{"text":"No worries at all.","start":6.16,"end":7.2999997,"sentiment":"neutral","sentiment_score":0.14964036457240582},{"text":"Hi, Susanna.","start":11.28,"end":12.0,"sentiment":"neutral","sentiment_score":0.1761244609951973},{"text":"It's Tommy here.","start":12.0,"end":12.799999,"sentiment":"neutral","sentiment_score":0.120745450258255},{"text":"I'm the senior adviser at 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properties now and have three.","start":1174.8251,"end":1190.2101,"sentiment":"neutral","sentiment_score":-0.07286507924491505}],"sentiment":"neutral","sentiment_score":-0.060353555897278574,"channel":0,"num_words":67,"start":1170.585,"end":1190.2101},{"sentences":[{"text":"I just get the investment probably.","start":1191.7101,"end":1193.41,"sentiment":"neutral","sentiment_score":-0.011740573061009249}],"sentiment":"neutral","sentiment_score":-0.011740573061009249,"channel":1,"num_words":6,"start":1191.7101,"end":1193.41},{"sentences":[{"text":"Yeah.","start":1194.67,"end":1194.9901,"sentiment":"neutral","sentiment_score":0.011990412138402462},{"text":"And that's what 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pension.","start":1195.7101,"end":1205.155,"sentiment":"neutral","sentiment_score":-0.034412382998400264}],"sentiment":"neutral","sentiment_score":-0.034412382998400264,"channel":0,"num_words":36,"start":1195.7101,"end":1205.155},{"sentences":[{"text":"Yeah.","start":1205.995,"end":1206.495,"sentiment":"neutral","sentiment_score":0.04241529479622841},{"text":"No.","start":1207.4349,"end":1207.6749,"sentiment":"neutral","sentiment_score":0.06260015815496445},{"text":"That's good.","start":1207.6749,"end":1208.495,"sentiment":"neutral","sentiment_score":0.2729928344488144}],"sentiment":"neutral","sentiment_score":0.1627502804622054,"channel":1,"num_words":4,"start":1205.995,"end":1208.495},{"sentences":[{"text":"Cool.","start":1208.495,"end":1208.995,"sentiment":"positive","sentiment_score":0.5200701355934143}],"sentiment":"positive","sentiment_score":0.5200701355934143,"channel":0,"num_words":1,"start":1208.495,"end":1208.995},{"sentences":[{"text":"That's very good to hear.","start":1208.5549,"end":1209.9349,"sentiment":"positive","sentiment_score":0.5862691164016723}],"sentiment":"positive","sentiment_score":0.5862691164016723,"channel":1,"num_words":5,"start":1208.5549,"end":1209.9349},{"sentences":[{"text":"So one thing that I'm gonna do is in your portfolio, most of the investments have been going up very, very well.","start":1211.13,"end":1218.91,"sentiment":"positive","sentiment_score":0.34165859019214456},{"text":"All your shares and gold, 6%, 7%, 34% growth doing very good.","start":1219.8501,"end":1225.7101,"sentiment":"positive","sentiment_score":0.4455697288115819},{"text":"The only one that's a concern for me at the moment is your Australian shares, which haven't been doing too well.","start":1226.205,"end":1232.465,"sentiment":"neutral","sentiment_score":-0.23436587765103295},{"text":"And the other Australian shares options.","start":1232.845,"end":1240.32,"sentiment":"neutral","sentiment_score":-0.1596113865574201},{"text":"So I wanna just when we're talking about the whole mixing in a bit of Uber, I wanna just do a bit of an engine tune up on the portfolio and switch that option out as well.","start":1240.86,"end":1250.48,"sentiment":"neutral","sentiment_score":-0.07607217908308313}],"sentiment":"neutral","sentiment_score":0.042543911774243624,"channel":0,"num_words":98,"start":1211.13,"end":1250.48},{"sentences":[{"text":"Okay.","start":1252.02,"end":1252.52,"sentiment":"neutral","sentiment_score":0.012782970443367958},{"text":"Yep.","start":1252.66,"end":1252.98,"sentiment":"neutral","sentiment_score":-0.0016401367029175162},{"text":"No.","start":1252.98,"end":1253.14,"sentiment":"neutral","sentiment_score":-0.05030116066336632},{"text":"That's fine.","start":1253.14,"end":1253.78,"sentiment":"neutral","sentiment_score":-0.013350655615795404},{"text":"So So what's happening with the Uber?","start":1253.78,"end":1255.4249,"sentiment":"neutral","sentiment_score":-0.016426839998790195}],"sentiment":"neutral","sentiment_score":-0.015070626512169838,"channel":1,"num_words":12,"start":1252.02,"end":1255.4249},{"sentences":[{"text":"Are you gonna invest in can you invest in that or not?","start":1255.4249,"end":1258.005,"sentiment":"neutral","sentiment_score":-0.012173183262348175}],"sentiment":"neutral","sentiment_score":-0.012173183262348175,"channel":1,"num_words":12,"start":1255.4249,"end":1258.005},{"sentences":[{"text":"Yeah.","start":1259.0651,"end":1259.385,"sentiment":"neutral","sentiment_score":0.04299028962850571},{"text":"We can.","start":1259.385,"end":1259.945,"sentiment":"neutral","sentiment_score":0.036987822502851486},{"text":"So the research that I've got is they'll kind of check-in if you had any in your current investments anyway.","start":1259.945,"end":1265.725,"sentiment":"neutral","sentiment_score":-0.008901123015675694},{"text":"One thing that we can do is there's about it's only very small.","start":1267.1399,"end":1271.7999,"sentiment":"neutral","sentiment_score":-0.031706166095458545},{"text":"We've got 0.28% of one of your investments goes into Uber already.","start":1272.4199,"end":1279.48,"sentiment":"neutral","sentiment_score":-0.01085060501160721}],"sentiment":"neutral","sentiment_score":-0.01257174885540735,"channel":0,"num_words":48,"start":1259.0651,"end":1279.48},{"sentences":[{"text":"Oh, okay.","start":1280.27,"end":1281.01,"sentiment":"neutral","sentiment_score":0.01840533595532179}],"sentiment":"neutral","sentiment_score":0.01840533595532179,"channel":1,"num_words":2,"start":1280.27,"end":1281.01},{"sentences":[{"text":"We've got a few $100 in there because, obviously, it buys, like, 200 shares sorry, 200","start":1280.58,"end":1289.035,"sentiment":"neutral","sentiment_score":0.019314749573823065}],"sentiment":"neutral","sentiment_score":0.019314749573823065,"channel":0,"num_words":16,"start":1280.58,"end":1289.035},{"sentences":[{"text":"Yeah.","start":1288.7251,"end":1289.2251,"sentiment":"neutral","sentiment_score":0.013697311282157898}],"sentiment":"neutral","sentiment_score":0.013697311282157898,"channel":1,"num_words":1,"start":1288.7251,"end":1289.2251},{"sentences":[{"text":"companies, and one of them includes Uber as well.","start":1289.035,"end":1291.6951,"sentiment":"neutral","sentiment_score":0.022148509199420612}],"sentiment":"neutral","sentiment_score":0.022148509199420612,"channel":0,"num_words":9,"start":1289.035,"end":1291.6951},{"sentences":[{"text":"Oh, okay.","start":1292.0851,"end":1292.8251,"sentiment":"neutral","sentiment_score":0.1453499123454094},{"text":"Cool.","start":1292.885,"end":1293.36,"sentiment":"neutral","sentiment_score":0.25506919622421265},{"text":"Because it that that one looks like it's gonna be a it's gonna go up very quickly.","start":1295.36,"end":1302.4,"sentiment":"neutral","sentiment_score":0.18874159367645488},{"text":"At the moment, it already has gone up,","start":1302.4,"end":1304.58,"sentiment":"neutral","sentiment_score":0.01582243898883462}],"sentiment":"neutral","sentiment_score":0.13860555804733718,"channel":1,"num_words":28,"start":1292.0851,"end":1304.58},{"sentences":[{"text":"Yeah.","start":1305.5599,"end":1306.0599,"sentiment":"neutral","sentiment_score":0.006790017243474722}],"sentiment":"neutral","sentiment_score":0.006790017243474722,"channel":0,"num_words":1,"start":1305.5599,"end":1306.0599},{"sentences":[{"text":"especially with this whole petrol crisis happening.","start":1307.535,"end":1310.755,"sentiment":"neutral","sentiment_score":-0.24552525579929352}],"sentiment":"neutral","sentiment_score":-0.24552525579929352,"channel":1,"num_words":7,"start":1307.535,"end":1310.755},{"sentences":[{"text":"Yep.","start":1312.305,"end":1312.625,"sentiment":"neutral","sentiment_score":0.3281031847000122},{"text":"Absolutely.","start":1312.625,"end":1313.125,"sentiment":"positive","sentiment_score":0.48727095127105713},{"text":"So what I wanna do is there was a bit of an idea that possibly you were looking at maybe at least having a couple of grand in there, maybe $2,000, if possible.","start":1313.745,"end":1324.3099,"sentiment":"neutral","sentiment_score":0.18233581564643167}],"sentiment":"neutral","sentiment_score":0.19521303006580898,"channel":0,"num_words":35,"start":1312.305,"end":1324.3099},{"sentences":[{"text":"To the Uber.","start":1326.19,"end":1327.3099,"sentiment":"neutral","sentiment_score":0.05843542143702507},{"text":"Yeah.","start":1327.3099,"end":1327.8099,"sentiment":"neutral","sentiment_score":0.1286204308271408}],"sentiment":"neutral","sentiment_score":0.075981673784554,"channel":1,"num_words":4,"start":1326.19,"end":1327.8099},{"sentences":[{"text":"Yeah.","start":1328.9299,"end":1329.4299,"sentiment":"neutral","sentiment_score":0.13962993025779724},{"text":"So what I might do is sometimes these platforms, you can buy that share directly.","start":1329.57,"end":1334.87,"sentiment":"neutral","sentiment_score":0.15184517900149028},{"text":"And if you want that mixed in, I'm gonna double check today if they can let you buy it as a single shareholding alongside all your other investments.","start":1335.4099,"end":1344.105,"sentiment":"neutral","sentiment_score":0.16713228449225426},{"text":"And we can put in, like, a maximum of, say, 10% into that one.","start":1344.805,"end":1349.785,"sentiment":"neutral","sentiment_score":0.18054541519709996},{"text":"It's not gonna throw everything out of weight too crazy.","start":1350.5651,"end":1353.125,"sentiment":"neutral","sentiment_score":-0.05369290448725224}],"sentiment":"neutral","sentiment_score":0.1336429168963257,"channel":0,"num_words":68,"start":1328.9299,"end":1353.125},{"sentences":[{"text":"Like, I wouldn't go up up.","start":1353.125,"end":1354.7,"sentiment":"neutral","sentiment_score":-0.021027615914742153},{"text":"Putting it in there.","start":1357.72,"end":1358.7799,"sentiment":"neutral","sentiment_score":0.08979219198226929}],"sentiment":"neutral","sentiment_score":0.023300307244062422,"channel":0,"num_words":10,"start":1353.125,"end":1358.7799},{"sentences":[{"text":"Yeah.","start":1359.75,"end":1360.07,"sentiment":"neutral","sentiment_score":0.2050982117652893},{"text":"Even if it's 5%, you know, so long as there's something in 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petrol.","start":1376.615,"end":1380.33,"sentiment":"neutral","sentiment_score":0.1264162678271532}],"sentiment":"neutral","sentiment_score":0.1264162678271532,"channel":1,"num_words":12,"start":1376.615,"end":1380.33},{"sentences":[{"text":"Yep.","start":1381.99,"end":1382.49,"sentiment":"neutral","sentiment_score":0.2101374864578247}],"sentiment":"neutral","sentiment_score":0.2101374864578247,"channel":0,"num_words":1,"start":1381.99,"end":1382.49},{"sentences":[{"text":"And also you've got Uber Eats, you've got Uber Shares, you've got Uber of 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really.","start":1441.76,"end":1442.5,"sentiment":"neutral","sentiment_score":-0.255740150809288},{"text":"Like, because I'm not retiring anytime soon, it's not like I'm gonna","start":1445.7351,"end":1450.155,"sentiment":"neutral","sentiment_score":-0.25299439827601117}],"sentiment":"neutral","sentiment_score":-0.25338664863790783,"channel":1,"num_words":14,"start":1441.76,"end":1450.155},{"sentences":[{"text":"Mhmm.","start":1449.775,"end":1450.275,"sentiment":"neutral","sentiment_score":-0.18340668082237244}],"sentiment":"neutral","sentiment_score":-0.18340668082237244,"channel":0,"num_words":1,"start":1449.775,"end":1450.275},{"sentences":[{"text":"hurry this up really quickly at the moment.","start":1451.0951,"end":1453.115,"sentiment":"neutral","sentiment_score":-0.24850484915077686},{"text":"But at the same time, I do wanna hurry it up.","start":1453.9751,"end":1455.9751,"sentiment":"neutral","sentiment_score":0.04977875575423241},{"text":"It's it's a it's a 50 50 sort of 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you in","start":1460.895,"end":1461.295,"sentiment":"neutral","sentiment_score":0.0646313230196635}],"sentiment":"neutral","sentiment_score":0.0646313230196635,"channel":0,"num_words":3,"start":1460.895,"end":1461.295},{"sentences":[{"text":"think","start":1461.1901,"end":1461.51,"sentiment":"neutral","sentiment_score":0.06165086477994919}],"sentiment":"neutral","sentiment_score":0.06165086477994919,"channel":1,"num_words":1,"start":1461.1901,"end":1461.51},{"sentences":[{"text":"a bit","start":1461.295,"end":1461.535,"sentiment":"neutral","sentiment_score":0.07065264880657196}],"sentiment":"neutral","sentiment_score":0.07065264880657196,"channel":0,"num_words":2,"start":1461.295,"end":1461.535},{"sentences":[{"text":"is","start":1461.51,"end":1461.75,"sentiment":"neutral","sentiment_score":0.06958971172571182}],"sentiment":"neutral","sentiment_score":0.06958971172571182,"channel":1,"num_words":1,"start":1461.51,"end":1461.75},{"sentences":[{"text":"of a","start":1461.535,"end":1461.775,"sentiment":"neutral","sentiment_score":0.053712304681539536}],"sentiment":"neutral","sentiment_score":0.053712304681539536,"channel":0,"num_words":2,"start":1461.535,"end":1461.775},{"sentences":[{"text":"best.","start":1461.75,"end":1462.25,"sentiment":"neutral","sentiment_score":0.05956236273050308}],"sentiment":"neutral","sentiment_score":0.05956236273050308,"channel":1,"num_words":1,"start":1461.75,"end":1462.25},{"sentences":[{"text":"blend at the 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sort of blend that we've got going at the moment because we use a bit of both.","start":1467.1499,"end":1471.5499,"sentiment":"neutral","sentiment_score":0.10104971698352269},{"text":"And if you're happy with that, I can find a bit of a replacement.","start":1471.5499,"end":1474.5299,"sentiment":"neutral","sentiment_score":0.16862374703798974}],"sentiment":"neutral","sentiment_score":0.12807932900530952,"channel":0,"num_words":35,"start":1467.1499,"end":1474.5299},{"sentences":[{"text":"Yep.","start":1477.4451,"end":1477.9451,"sentiment":"neutral","sentiment_score":0.07313430309295654},{"text":"Yep.","start":1478.5651,"end":1478.885,"sentiment":"neutral","sentiment_score":0.05814564228057861},{"text":"Not that perfectly 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They also mention personal contributions and investments, including savings and credit cards. The speakers discuss retirement plans, staying true to retirement goals and beneficiary nominations, and the potential for growth in the market. They also mention their focus on building savings and finding a replacement for their current plan. They offer to book a call for a review and reassure customers that they will be contacted soon."},"intents":{"segments":[{"text":"What I wanted to call you about today, Susanna, was we were finalizing some updated advice for your superannuation, and I went through a whole bunch of research that was being done by Kyle, one of the advisers that you spoke to for some Uber shares inside your super. Does that ring a bell? Yes.","start_word":89,"end_word":143,"intents":[{"intent":"Finalize advice","confidence_score":0.67358327}]},{"text":"Could you please confirm your date of birth and address?","start_word":353,"end_word":362,"intents":[{"intent":"Confirm identity","confidence_score":0.07493947}]},{"text":"Do you know are you just gonna do that salary sacrifice through the payroll system?","start_word":940,"end_word":954,"intents":[{"intent":"Communicate career goals","confidence_score":0.0000014123184}]},{"text":"If you need any help with it, one of the things that we do for a lot of, like, self employed guys is they put in contributions through BPAY or EFT personally. And then when it comes to June each year, we do a notice of intent to claim form, prefill it for you, and help you claim it as a tax deduction if you're not gonna do it through salary sacrifice. So if that might be helpful for you.","start_word":1023,"end_word":1102,"intents":[{"intent":"Request assistance with filing form","confidence_score":0.00032250772}]},{"text":"So what I'll do is it. I'll Thank get you. the BPA details sent through to you. We'll go through a bit of an updated plan in about a week or two's time with all of the investment changes and everything with updated projections for you, Yep. and then you should be pretty well sweet for the financial year. Awesome.","start_word":1412,"end_word":1471,"intents":[{"intent":"Educate about plan","confidence_score":0.00076824246}]},{"text":"It's the a zed plus account, which I'm gonna start putting I've already started this week of putting $300 a week in it to see if I can not touch it because that one is completely separate to every other account that I've got.","start_word":1723,"end_word":1766,"intents":[{"intent":"Assist with zed plus account","confidence_score":0.00082250097}]},{"text":"build up the savings. Do Yeah.","start_word":1775,"end_word":1780,"intents":[{"intent":"Build savings","confidence_score":0.28595328}]},{"text":"And the credit cards Sensational. are paid off.","start_word":1813,"end_word":1820,"intents":[{"intent":"Pay off credit cards","confidence_score":0.2284755}]},{"text":"And the credit cards Sensational. are paid off. Oh, well done.","start_word":1813,"end_word":1823,"intents":[{"intent":"Pay off debts","confidence_score":0.019988265}]},{"text":"trying to put myself back into a routine where I can just save and focus on.","start_word":1940,"end_word":1955,"intents":[{"intent":"Reset focus","confidence_score":0.000027930888}]},{"text":"Is there a sort of medium term goal for what to do after you're back on track? No.","start_word":2031,"end_word":2048,"intents":[{"intent":"Set a goal for the future","confidence_score":0.00031163564}]},{"text":"So I think all it's sounds like worthy goals. I've got those updated. yep.","start_word":2179,"end_word":2192,"intents":[{"intent":"Check fund-raising status","confidence_score":0.000005053504}]},{"text":"So in other words, we have to have a road closed.","start_word":2505,"end_word":2515,"intents":[{"intent":"Inform about road closure policy","confidence_score":0.001450525}]},{"text":"Most of your super is in, like, shares and property, only about five to 10% is in the safer side to try and get you as much growth as possible. Does that ring a bell? Yes.","start_word":2735,"end_word":2770,"intents":[{"intent":"Promote growth strategies","confidence_score":0.007270316}]},{"text":"One of the things Done. that I use as a bit of an analogy is like house prices. Right?","start_word":3086,"end_word":3104,"intents":[{"intent":"Analyze house prices","confidence_score":0.33375496}]},{"text":"So what I wanna do is there was a bit of an idea that possibly you were looking at maybe at least having a couple of grand in there, maybe $2,000, if possible. To the Uber.","start_word":3451,"end_word":3486,"intents":[{"intent":"Express interest in additional investments","confidence_score":0.000029310375}]},{"text":"So what I might do is sometimes these platforms, you can buy that share directly. And if you want that mixed in, I'm gonna double check today if they can let you buy it as a single shareholding alongside all your other investments.","start_word":3489,"end_word":3531,"intents":[{"intent":"Check platform integration and availability","confidence_score":1.1491422e-7}]},{"text":"Susanna, do you have any preference? Like, there's no wrong answer for this one, but we can do passive or active investments. One being very low fee and follows the market pretty closely. The other side of things pays a slightly higher investment fee to try and get a higher return. Do you have a strong leaning between the two or a preference?","start_word":3710,"end_word":3772,"intents":[{"intent":"Express preference for passive and active investments","confidence_score":0.0434738}]},{"text":"Susanna, do you have any preference? Like, there's no wrong answer for this one, but we can do passive or active investments. One being very low fee and follows the market pretty closely. The other side of things pays a slightly higher investment fee to try and get a higher return. Do you have a strong leaning between the two or a preference? Not really.","start_word":3710,"end_word":3774,"intents":[{"intent":"Discuss preference for investment fee","confidence_score":0.002915007}]},{"text":"Do you have a strong leaning between the two or a preference?","start_word":3761,"end_word":3772,"intents":[{"intent":"Consider future comparisons","confidence_score":1.4108707e-8}]},{"text":"Not really. Like, because I'm not retiring anytime soon, it's not like I'm gonna Mhmm. hurry this up really quickly at the moment.","start_word":3773,"end_word":3795,"intents":[{"intent":"Describe potential retirement preferences","confidence_score":0.00002206369}]},{"text":"And the last question I've got for you is just there was a note there that you're really not interested in, like, insurances and things like that. So I just wanted to ask the question again about life insurance, disability, income protection, all that kind of thing.","start_word":3883,"end_word":3929,"intents":[{"intent":"Explore insurance options","confidence_score":0.07440843}]},{"text":"Do you have any kind of preferred days and times, or should we just give you a call and book it in a bit close to the day?","start_word":4490,"end_word":4517,"intents":[{"intent":"Book meeting","confidence_score":0.2016108}]},{"text":"Give me a call closer to the day because sometimes, like, for instance, today, I work in baking, not in traffic. So that's why I was able to take Mhmm.","start_word":4519,"end_word":4548,"intents":[{"intent":"Schedule a call","confidence_score":0.043893296}]},{"text":"I might send you the usual text message if you're happy to give us a a review and your feedback.","start_word":4902,"end_word":4921,"intents":[{"intent":"Provide feedback","confidence_score":0.052788325}]}]},"sentiments":{"segments":[{"text":"Hello? Give me two secs. Good afternoon, Susanna. No worries at all. Hi, Susanna. It's Tommy here. I'm the senior adviser at ITU. How are you going today? Not bad. Not bad at all.","start_word":0,"end_word":33,"sentiment":"neutral","sentiment_score":0.16485677659511566},{"text":"Just chilling here Great playing to good. hear.","start_word":34,"end_word":41,"sentiment":"positive","sentiment_score":0.5671094059944153},{"text":"How Oh, are you?","start_word":42,"end_word":45,"sentiment":"neutral","sentiment_score":0.23865088820457456},{"text":"it's an absolute beautiful Friday.","start_word":46,"end_word":50,"sentiment":"positive","sentiment_score":0.6277869939804077},{"text":"We're trying a bit of working from home with the fuel shortage at the moment, and I'm just kind of looking at it.","start_word":51,"end_word":73,"sentiment":"neutral","sentiment_score":0.23257526755332947},{"text":"The sun's Oh, nice. finally come out after three days, so loving it.","start_word":74,"end_word":86,"sentiment":"positive","sentiment_score":0.5068545937538147},{"text":"No worries. What I wanted to call you about today, Susanna, was we were finalizing some updated advice for your superannuation, and I went through a whole bunch of research that was being done by Kyle, one of the advisers that you spoke to for some Uber shares inside your super. Does that ring a bell? Yes. It does. Yes. So we've pretty much got an updated portfolio in mind for you, and I wanted to just finalize a couple of things with you today so I can get that sent through to you over the next week or two. Do you have about fifteen, twenty minutes for me today? Yes. Perfect. Like I said, So I'm just sitting here playing games. Yeah. no. That's perfect. And I will definitely leave you to that because I would absolutely love to jump on and play some games too, but I still got a few hours left. Yeah. No. Good. I've got your your fact find open in front of me with all of your details, and Sam was just telling me that you didn't really have any major changes over, I guess, the the sort of Christmas period and the New Year's. Everything's pretty well Yes. stable at your end. Everything's the same. Yep. Yep. So I'm gonna go through a few portfolio ideas with you today. Before I do that, are you okay for me to do the usual security check with you? Yep. No dramas. Perfect. So the calls are recorded for training and quality purposes, and I'm registered with Aptive as adviser one 273105. Could you please confirm your date of birth and address? '82, and a 63 community parade now.","start_word":87,"end_word":369,"sentiment":"neutral","sentiment_score":0.10559966380941573},{"text":"Fantastic. Now I'm going through your goals that were captured by Carl as well just to make sure that's all current as well.","start_word":370,"end_word":392,"sentiment":"positive","sentiment_score":0.5242272019386292},{"text":"The main thing that I can say for you is obviously we've got the superannuation, which we're trying to is bit of comfortable living a lifestyle with the family and making sure all debts are paid down by retirement. Does that sound right? Yes.","start_word":393,"end_word":436,"sentiment":"neutral","sentiment_score":0.2313183695077896},{"text":"Perfect.","start_word":437,"end_word":437,"sentiment":"positive","sentiment_score":0.5566447377204895},{"text":"There was a note here that we're looking possibly towards the age of 67 for retirement with mortgage paid off in about $800 a week coming out in today's dollars, obviously, accounting for inflation. Does that still sound about right? Yep. Perfect. Occupation wise, we've got you doing traffic control and baking sorry, Yes. baker. Yes. Still Yep. the same. So Mhmm. 85,000 for the annual income sound about right? No. It's increased.","start_word":438,"end_word":510,"sentiment":"neutral","sentiment_score":0.04354455694556236},{"text":"Oh, fantastic.","start_word":511,"end_word":512,"sentiment":"positive","sentiment_score":0.33954986929893494},{"text":"I don't know if you know what you're gonna end up with for this financial year between the two jobs. I'm thinking at the moment, I'm already at a 112, Oh, and we I still think. got another month and a half to go? Yeah. Which I'm scared I'm gonna go ahead for the threshold. Yeah. But So we're thinking, like, $1.20 or yeah. I'm thinking that because I've yep. got at the moment, it's 76 k in cold and $30.32, I think, from traffic. Okay. I might I'll say even just double check your contributions and work those back just to clarify it, but one twenty sounds pretty close. oh, yeah. No. It's a I was at my 105, sorry, at the moment. Yeah.","start_word":513,"end_word":637,"sentiment":"neutral","sentiment_score":-0.031086385250091553},{"text":"Fantastic.","start_word":638,"end_word":638,"sentiment":"positive","sentiment_score":0.3429069519042969},{"text":"So So 2, hundred and five at the moment. 46. Yeah. So I'm thinking of reaching a 150. 15. Okay. Yeah.","start_word":639,"end_word":659,"sentiment":"neutral","sentiment_score":0.09551641345024107},{"text":"That's perfect.","start_word":660,"end_word":661,"sentiment":"positive","sentiment_score":0.4636499583721161},{"text":"I'll put that in and update the contributions coming in and update the projections as well. So that way, it looks a little bit Yeah. The more the accurate problem is for you.","start_word":662,"end_word":694,"sentiment":"neutral","sentiment_score":0.14836056530475616},{"text":"the problem is there's not much super going in because they've got a new fucking system, which is stupid. Any overtime doesn't Oh, get taxed.","start_word":695,"end_word":719,"sentiment":"negative","sentiment_score":-0.6026455163955688},{"text":"nothing. Yeah. I mean, it doesn't get stupid. And any out of range how can I put it? Any out Like, of long distance work? no. Out of because I'm a baker, I work from twelve in the morning till fucking eight 08:00 in the morning. Oh, yeah. Yeah. So the those times in between there are called out of range. They're out of the normal range of normally hours.","start_word":720,"end_word":789,"sentiment":"neutral","sentiment_score":-0.1781763732433319},{"text":"They don't get super either, and that's the problem.","start_word":790,"end_word":798,"sentiment":"negative","sentiment_score":-0.3817976713180542},{"text":"That's why there there hasn't been much super put in. So Oh, right. as of So you're next getting a bit of a double dip. yeah. It's stupid. So sometimes I'm earning, like was it $1,200, and I'm only getting a $120 for super? Yeah. Okay. It's like it's it's because of the that penalty sheet that they did.","start_word":799,"end_word":857,"sentiment":"neutral","sentiment_score":-0.22066561877727509},{"text":"So I'm getting more money, but not enough to go into my favor.","start_word":858,"end_word":870,"sentiment":"negative","sentiment_score":-0.37652912735939026},{"text":"Yeah.","start_word":871,"end_word":871,"sentiment":"neutral","sentiment_score":-0.17860232293605804},{"text":"It's not So like the same it's not a flat 12% on everything that you've earned. It's a lot yeah.","start_word":872,"end_word":891,"sentiment":"negative","sentiment_score":-0.37849780917167664},{"text":"less Exactly. than that. Yeah. Yep. Okay. So Alright. Well, I'll factor that in.","start_word":892,"end_word":905,"sentiment":"neutral","sentiment_score":0.017051024362444878},{"text":"as Thank of, you for that.","start_word":906,"end_word":911,"sentiment":"positive","sentiment_score":0.35964444279670715},{"text":"yeah, no, as Mhmm. of next year though, as of the next financial year, I'm gonna start contributing an extra $100 on top a week into super. Okay. Do you know are you just gonna do that salary sacrifice through the payroll system? You're gonna do that personally? How are you gonna do the transaction? I don't know how that's gonna work. I might just have to do it personally. So I've got all the forms and emails and stuff in my emails, and I can go through that and have a look how I can do it personally. Okay. Okay. And you were saying 100 a week? Yeah. K. If you need any help with it, one of the things that we do for a lot of, like, self employed guys is they put in contributions through BPAY or EFT personally. And then when it comes to June each year, we do a notice of intent to claim form, prefill it for you, and help you claim it as a tax deduction if you're not gonna do it through salary sacrifice. So if that might be helpful for you.","start_word":912,"end_word":1101,"sentiment":"neutral","sentiment_score":0.06264600866645771},{"text":"Oh, that would be very helpful.","start_word":1102,"end_word":1107,"sentiment":"positive","sentiment_score":0.43588951230049133},{"text":"I have to call you guys back in July. We'll organize it. We'll basically put in a catch up in, like, May, and we'll pretty much just fill out some forms for you, get you to sign it, send it off to the super fund.","start_word":1108,"end_word":1152,"sentiment":"neutral","sentiment_score":0.2571597993373871},{"text":"They code it with the tax office, and as long as you get the confirmation letter before you submit your tax return, you're good to go. Oh, cool. Okay. Cool.","start_word":1153,"end_word":1182,"sentiment":"positive","sentiment_score":0.380982369184494},{"text":"So Even if better. salary sacrifice is not gonna work, we can do that for you.","start_word":1183,"end_word":1198,"sentiment":"neutral","sentiment_score":-0.017206547781825066},{"text":"Oh, awesome.","start_word":1199,"end_word":1200,"sentiment":"positive","sentiment_score":0.5614011883735657},{"text":"You know, I'm talking more of the putting into the super. So I've given it to you guys. I've got all the paperwork to that says to the account numbers and all that to send it to you guys.","start_word":1201,"end_word":1239,"sentiment":"neutral","sentiment_score":0.2823980152606964},{"text":"Yeah. Cool.","start_word":1240,"end_word":1241,"sentiment":"positive","sentiment_score":0.42362910509109497},{"text":"So whether it's BPA or EST, once that comes in, it comes in as, like, a personal contribution. We do that for months a year.","start_word":1242,"end_word":1266,"sentiment":"neutral","sentiment_score":0.2609267830848694},{"text":"You get the deduction, and that's 5,200 down on your taxable income.","start_word":1267,"end_word":1278,"sentiment":"positive","sentiment_score":0.366690069437027},{"text":"Oh, okay. Oh, whatchamacallit? How does it work through PayPal? There is a form the is it the same sort of thing that I gave to my employees? That's my daughter. Similar. Similar. So the employer and they've got all these reference numbers linking to your account. Whereas if you're gonna put it in from, like, your bank account as an example, you can do a direct, Yes. like, BPAY or EFT debit, and that can just go in regularly too. So whichever one works for you, Oh, okay. Where can I get the BPAY number then? we can send it through to you.","start_word":1279,"end_word":1382,"sentiment":"neutral","sentiment_score":0.11240758001804352},{"text":"Oh, awesome. If you could do that today, that'd be great. So then I can have it for the next month.","start_word":1383,"end_word":1403,"sentiment":"positive","sentiment_score":0.6351564611707415},{"text":"Next financial year and start doing Yep.","start_word":1404,"end_word":1410,"sentiment":"neutral","sentiment_score":0.32846346497535706},{"text":"Absolutely. So what I'll do is it. I'll Thank get you.","start_word":1411,"end_word":1421,"sentiment":"positive","sentiment_score":0.5644857883453369},{"text":"the BPA details sent through to you.","start_word":1422,"end_word":1428,"sentiment":"neutral","sentiment_score":0.32667678594589233},{"text":"We'll go through a bit of an updated plan in about a week or two's time with all of the investment changes and everything with updated projections for you, Yep. and then you should be pretty well sweet for the financial year. Awesome. Yes. Cool. That'll be So very good.","start_word":1429,"end_word":1478,"sentiment":"positive","sentiment_score":0.48183974623680115},{"text":"the last couple of things I wanted to go over with you was just a couple of quick checks on your assets and then the portfolio ideas, and then I'll pretty well have a good direction from there. Okay. Yep.","start_word":1479,"end_word":1518,"sentiment":"neutral","sentiment_score":0.24700330197811127},{"text":"All good. You should. Cool.","start_word":1519,"end_word":1523,"sentiment":"positive","sentiment_score":0.5200103521347046},{"text":"So in terms of assets, we've got two cars, about 25 worth of vehicles in those two cars, about thousand dollars in bank in terms of savings. Is that still pretty accurate, or is it changed quite a bit? I don't have the savings, but I do have the savings in cash, if you know what I mean. Yep.","start_word":1524,"end_word":1582,"sentiment":"neutral","sentiment_score":0.032462652772665024},{"text":"Perfect.","start_word":1583,"end_word":1583,"sentiment":"positive","sentiment_score":0.43698978424072266},{"text":"I get you. I get you. I'll Yeah. just I've say I've cash saving. yeah. Cash savings. So I've got about 3 and a half grand savings in cash Yep. because I can't trust myself Yep. with the bank because, you know, when you've got you, now everything's tap tap tap, and you can just keep tapping and you never lose track of it all. Oh, no. So My I'm just wife taking it out. the same thing under control and rolling properly, and we have to do separate accounts. And I pulled some cash out, and so this is your fund money for the week. And, yeah, I understand completely. Yeah. So, yeah, I am I am also I have kind of started putting I have a a zed account that has a a 4.75% interest. Yeah. It's the a zed plus account, which I'm gonna start putting I've already started this week of putting $300 a week in it to see if I can not touch it because that one is completely separate to every other account that I've got.","start_word":1584,"end_word":1765,"sentiment":"neutral","sentiment_score":0.04056017510183565},{"text":"So Fantastic.","start_word":1766,"end_word":1767,"sentiment":"positive","sentiment_score":0.6656569838523865},{"text":"I don't need So to touch it. build up the savings. Do Yeah. you still have the the credit cards and the personal one that you're trying to knock down? Yes. Yep. The personal Cool. So loan's I think down to 39 and sorry. 29. And the credit cards Sensational. are paid off.","start_word":1768,"end_word":1820,"sentiment":"neutral","sentiment_score":0.07693250477313995},{"text":"Oh, well done.","start_word":1821,"end_word":1823,"sentiment":"positive","sentiment_score":0.4723338186740875},{"text":"You're you're doing So yeah. everything right. Yeah. I'm I'm I'm getting there. It's it's slowly but surely. So Savings building up, super's building up. well, Anything I'm else trying on the to cards save up. for you? Yeah. So I'm I'm getting back on track. It it it it took me a while to get back on track after I went to Disneyland. That's the problem. I went to Disneyland with Yeah. my partner two years ago and just trying to get back onto the because I used all my credit cards and all my savings. So I'm like, oh, dude. Trying to get back from it. It's been very hard. So now I'm Yeah. trying to put myself back into a routine where I can just save and focus on. So I've paid off the credit cards finally. The loan is Okay. still going down, which is great. I'm actually paying Yeah. more than what I need to, so I'm overdrawn. I mean, I've got Rachel of five k. So yeah.","start_word":1824,"end_word":1996,"sentiment":"neutral","sentiment_score":0.020041247829794884},{"text":"Fantastic.","start_word":1997,"end_word":1997,"sentiment":"positive","sentiment_score":0.46724092960357666},{"text":"So then Yeah. are you doing everything right? So is there anything else that you're you're gonna build towards after that? Like, obviously, debts will be paid down, your savings will be up. Is there a sort of medium term goal for what to do after you're back on track? No. I'm still trying to save to buy a house, Yeah. but not really. I won't be able to make that that jump on my own, especially since the house is, like, over a mill. Yeah. So mostly Need a bit of assistance mostly there. yeah.","start_word":1998,"end_word":2093,"sentiment":"neutral","sentiment_score":0.03253300736347834},{"text":"Mostly, it's just to be able to live with no worries.","start_word":2094,"end_word":2104,"sentiment":"positive","sentiment_score":0.3681156039237976},{"text":"So that's what my saving goal is, is to be able to work and not have to stress too much about Yep. Georgia. money. Do you know what I mean? Because at the moment, I'm boarding boarding with my mom, and I'm paying $230 a week. Don't have to worry about any rent. Mom feeds me and everything.","start_word":2105,"end_word":2162,"sentiment":"neutral","sentiment_score":0.18504483997821808},{"text":"Oh, so in a So good spot to save up some cash.","start_word":2163,"end_word":2174,"sentiment":"positive","sentiment_score":0.390299379825592},{"text":"Yeah.","start_word":2175,"end_word":2175,"sentiment":"neutral","sentiment_score":0.3133847117424011},{"text":"Pretty much. Okay. So I think all it's sounds like worthy goals. I've got those updated.","start_word":2176,"end_word":2191,"sentiment":"positive","sentiment_score":0.426699697971344},{"text":"yep. Go. Just quickly on just before I jump into the super there, in terms of the state planning, I think you've got beneficiary nominations split between Anna, Pedro, and Catherine. Yes. Can I just double check with you their relations here? My Anna's my mom, Catherine's my sister, Yep. and Pedro is my nephew. Okay. Sister and nephew. Thank you. Yep. And did you say sorry. Catherine, would you mind? No. Catherine's my sister. Anna is my Sorry. mom. That's right. Catherine's sister, Petra nephew. K. Just bear in mind that, obviously, government makes it a bit of a pain in the butt when it comes to beneficiary nominations, and usually, you gotta send all of that into, like, a will to get it off to Yes. people who aren't financially dependent. So I can leave it alone, but just wanted to remind you about the old will situation. Yep. No. That's fine. At the moment, it's I'm not gonna do it anytime soon, so I'm good. Yep. Touch wood. That'd be But fantastic. yeah. True. Oh, no. Traffic is actually pretty safe considering everyone thinks it's such a hectic job. It's actually a pretty safe industry. There are Lot so many of, like, measures. regulations and checks and measures in place. Well Yeah. well, not just that. When you're on the road, there are so many so many measures you have to take before you can step on the road. So there's signage, there's cones, there's only place there's certain places you can stand.","start_word":2192,"end_word":2447,"sentiment":"neutral","sentiment_score":0.009683950112048478},{"text":"It's and the back is fantastic.","start_word":2448,"end_word":2453,"sentiment":"positive","sentiment_score":0.6051419377326965},{"text":"The stop is Yeah. like, slide back. Everyone fucking you stick it out the front and the road stops immediately.","start_word":2454,"end_word":2473,"sentiment":"neutral","sentiment_score":-0.10029125958681108},{"text":"It's fantastic.","start_word":2474,"end_word":2475,"sentiment":"positive","sentiment_score":0.6367939114570618},{"text":"I haven't I haven't had any issues.","start_word":2476,"end_word":2482,"sentiment":"neutral","sentiment_score":0.2751242220401764},{"text":"Oh, So that's fantastic.","start_word":2483,"end_word":2486,"sentiment":"positive","sentiment_score":0.48018696904182434},{"text":"and and also we're working with the customer. One of our clients is a no back policy. Okay. So in other words, we have to have a road closed. So the road's Oh, wow. gonna be has to be closed. There's no traffic going through it. So for for our safety and for the worker safety as well, so I don't have to worry about traffic. Just telling them, sorry. Very close. Go around. Follow the details. Oh, yeah. So it's not even one of those, like, one lane goes at a time thing. It's just straight up close it and detail. Yep. Yes. Pretty much. Because that's the policy for the client one of the clients we have. Because Yeah. in the past, they've lost a few traffic controllers. Oh. Not not not on their part on the negligence of the actual traffic controller. So to prevent that, they've created the no back policy. Yeah. Right. Okay. So But which is still great feels because pretty it's safe either way. yeah. Pretty much. So that's why I'm not gonna Cool. die Alright. anytime soon. I'm Good also to hear. very Good to hear. stressed, ma'am. Not really. Mhmm. But Alright. yeah. I'm just gonna go over your super investments with you because I wanted to kind of I had a bit of an idea for you, run it by you. If you remember with your super, we've got you in, like, a pretty high growth setup. Most of your super is in, like, shares and property, only about five to 10% is in the safer side to try and get you as much growth as possible. Does that ring a bell? Yes. It can actually, sorry. Can you repeat the last bit again? Yep. So if you're in high growth, we've got about 90 in growth assets, which is like shares and property, high risk, high return, and about five to 10% Oh, yeah. in Yeah. safer asset. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yep.","start_word":2487,"end_word":2823,"sentiment":"neutral","sentiment_score":0.06599038291048226},{"text":"That's Cool. I So remember that, so it's all good.","start_word":2824,"end_word":2833,"sentiment":"positive","sentiment_score":0.46475499868392944},{"text":"I'm assuming because retirement's a good twenty, twenty seven years away, you're still okay with the old ups and downs and trying to get all that growth until you're a bit closer to retirement and then protect it then? Yes. Pretty much. Yeah. Because the whole idea is you get those returns where it goes up 20% a year. Every seven years of the crash, because COVID, Then GFC, it goes back we use up. Yeah. that. Yep. And we use that as a buying opportunity. We do contributions. We repeat Yeah. that every year. So we're gonna be a year before retirement and lose half your super. Yeah. Exactly. No. That's perfectly fine. Just stay the same. Cool. So Because the two yeah. questions I I've got for you yes. sorry. Go. No. I saw a YouTube click on that whole where you have to be patient with your investments and stuff. Most people, as soon as they see a crash, it's like, oh my god. We gotta sell. Gotta sell. They'll freak out. And that's it. But sometimes you don't have to Yeah. because they do go up and down like a roller coaster. And in like Yeah. you said, in seven five years or seven years, they'll go back up, and then they'll go back down and so forth.","start_word":2834,"end_word":3055,"sentiment":"neutral","sentiment_score":0.03182906284928322},{"text":"So I'm happy to stay like that. And I'm not stressed because I know you guys are doing a great job at making Mhmm.","start_word":3056,"end_word":3079,"sentiment":"positive","sentiment_score":0.5431970357894897},{"text":"Oh, me money.","start_word":3080,"end_word":3082,"sentiment":"neutral","sentiment_score":0.23275136947631836},{"text":"thank you.","start_word":3083,"end_word":3084,"sentiment":"positive","sentiment_score":0.40777429938316345},{"text":"One of the things Done. that I use as a bit of an analogy is like house prices. Right? If you buy a house for $600,000 or I get a million now, and if that dropped down to 800,000, is that a signal to rush off and go and sell it and crystallize the loss, or do you go, oh, I've been picking up a couple investment properties now and have three. I just get the investment probably. Yeah. And that's what we Yeah. kinda do is we just buy when it goes down for a cheaper price, and we don't sell anything to crystallize any losses until you're actually at retirement, and you need to start funding a pension. Yeah. No. That's good.","start_word":3085,"end_word":3208,"sentiment":"neutral","sentiment_score":-0.031375445425510406},{"text":"Cool. That's very good to hear. So one thing that I'm gonna do is in your portfolio, most of the investments have been going up very, very well. All your shares and gold, 6%, 7%, 34% growth doing very good.","start_word":3209,"end_word":3248,"sentiment":"positive","sentiment_score":0.40414202213287354},{"text":"The only one that's a concern for me at the moment is your Australian shares, which haven't been doing too well. And the other Australian shares options. So I wanna just when we're talking about the whole mixing in a bit of Uber, I wanna just do a bit of an engine tune up on the portfolio and switch that option out as well. Okay. Yep. No. That's fine. So So what's happening with the Uber? Are you gonna invest in can you invest in that or not? Yeah. We can. So the research that I've got is they'll kind of check-in if you had any in your current investments anyway. One thing that we can do is there's about it's only very small. We've got 0.28% of one of your investments goes into Uber already. Oh, okay. We've got a few $100 in there because, obviously, it buys, like, 200 shares sorry, 200 Yeah. companies, and one of them includes Uber as well. Oh, okay. Cool. Because it that that one looks like it's gonna be a it's gonna go up very quickly. At the moment, it already has gone up, Yeah. especially with this whole petrol crisis happening. Yep.","start_word":3249,"end_word":3449,"sentiment":"neutral","sentiment_score":-0.02478640068748697},{"text":"Absolutely.","start_word":3450,"end_word":3450,"sentiment":"positive","sentiment_score":0.48727095127105713},{"text":"So what I wanna do is there was a bit of an idea that possibly you were looking at maybe at least having a couple of grand in there, maybe $2,000, if possible. To the Uber. Yeah. Yeah. So what I might do is sometimes these platforms, you can buy that share directly. And if you want that mixed in, I'm gonna double check today if they can let you buy it as a single shareholding alongside all your other investments. And we can put in, like, a maximum of, say, 10% into that one. It's not gonna throw everything out of weight too crazy. Like, I wouldn't go up up. Putting it in there. Yeah. Even if it's 5%, you know, so long as there's something in there. Because like I said, I I have a feeling.","start_word":3451,"end_word":3588,"sentiment":"neutral","sentiment_score":0.13858982920646667},{"text":"I have I've tracked it, and Uber at the moment is going up very quickly. Like, everyone's using it.","start_word":3589,"end_word":3607,"sentiment":"positive","sentiment_score":0.365646094083786},{"text":"Everyone wants it because no one wants to pay for their petrol. Yep. And also you've got Uber Eats, you've got Uber Shares, you've got Uber of Ebersal. Yeah. Yeah. So So I reckon five to 10% might be possible, and I'm gonna double check that as well. So I'll put all that together with a bit of an update on the portfolio. I'll see if I can mix in the Uber shares in there as well, and I'll add that extra contribution so I can show you kind of what that's gonna do to the super as well.","start_word":3608,"end_word":3706,"sentiment":"neutral","sentiment_score":0.22221516072750092},{"text":"Okay. Awesome. Cool.","start_word":3707,"end_word":3709,"sentiment":"positive","sentiment_score":0.458693265914917},{"text":"Susanna, do you have any preference? Like, there's no wrong answer for this one, but we can do passive or active investments. One being very low fee and follows the market pretty closely. The other side of things pays a slightly higher investment fee to try and get a higher return. Do you have a strong leaning between the two or a preference? Not really. Like, because I'm not retiring anytime soon, it's not like I'm gonna Mhmm. hurry this up really quickly at the moment. But at the same time, I do wanna hurry it up. It's it's a it's a 50 50 sort of thing. So whatever Yeah. So you we've guys got you in think a bit is of a best. blend at the moment. Pardon? Okay. Yeah. I might continue that sort of blend that we've got going at the moment because we use a bit of both. And if you're happy with that, I can find a bit of a replacement. Yep. Yep. Not that perfectly fine. Cool. And the last question I've got for you is just there was a note there that you're really not interested in, like, insurances and things like that. So I just wanted to ask the question again about life insurance, disability, income protection, all that kind of thing. No. I'm still good with that with that that stuff. I don't need to worry.","start_word":3710,"end_word":3944,"sentiment":"neutral","sentiment_score":0.0038786145521605263},{"text":"Perfect. Just grow the super, save the fees Yep.","start_word":3945,"end_word":3953,"sentiment":"positive","sentiment_score":0.36670851707458496},{"text":"and premiums, and let it catch up. Yep. And then maybe when I'm actually, like, maybe in my fifties or I'm 55 or something, I might think of insurances and stuff. Yeah. But And at if the you moment, end up getting I a mortgage down the line, you can add a bit of life insurance or yeah. something to pay off off the mortgage. But at the moment, if you focus on this on growing things and building the savings, but we're Yeah. here to tailor things to to your life. Yep. No. All good.","start_word":3954,"end_word":4049,"sentiment":"neutral","sentiment_score":0.09662960469722748},{"text":"Thank you, Majli. Awesome.","start_word":4050,"end_word":4053,"sentiment":"positive","sentiment_score":0.5273587107658386},{"text":"Now we've gone through quite a bit today. So, again, I'll go through that stated plan with you in a couple of weeks time just to show you all the figures and changes and what it looks like. Do you have any questions for me so far? No. I I never have questions with you guys because I know you guys are doing the best you can, especially with this whole war thing and everything going on. I do keep an eye on my on my ups and downs on the app to make Yep. sure it's not going too far, but I understand as well because of the whole changing of the world thing. That's why it's because at one point, it was at 02/2005, I think it was, or 02/2003. And now it's gone back down to $1.90. But I understand again Yeah.","start_word":4054,"end_word":4198,"sentiment":"neutral","sentiment_score":0.029274939463056367},{"text":"because It's of sort the whole of bouncing shit that's around.","start_word":4199,"end_word":4209,"sentiment":"negative","sentiment_score":-0.3504979610443115},{"text":"happening. Yeah. Yeah. So It's like but a that high growth is like a $20 up and down every couple of weeks at the moment. Yeah. It's but, again, it's it's coming up really well. And from the graph, I can tell it's even it's better than it was last year anyway regardless of going up and down. I'm still Yeah. Yep. I'm still Still better up. off this year than I was last year, so it's Yep.","start_word":4210,"end_word":4287,"sentiment":"neutral","sentiment_score":0.12245466560125352},{"text":"all Absolutely. going great.","start_word":4288,"end_word":4291,"sentiment":"positive","sentiment_score":0.5274437665939331},{"text":"Mhmm. Sorry. Cool. I So I'll put all I this together. yeah. Sorry. I'm very aware of my I'm very aware of my sleepover because you got you've given me the app and stuff, and I'm also very aware of what's happening around the world and how it affects everything. So there's not there's not much Look. I you appreciate got I have it to because, ask. yeah, I appreciate Yeah. it because it means that, like, we're all on the same page with where we're trying to get to. We just need to do our job and keep reviewing things and and optimizing it every now and then. And sometimes part of our job is a bit of like a psychological coaching because people do get prone to panicking, and that's a part of it too. Yeah. Freaks people out and you you suffer with sometimes. But not all good. So, Susan, if it's okay with you, I was just checking through the file, and I'm gonna get the team to call you in about a week's time just to get you booked back in with me to go through that document with you. Yep. No dramas. Do you have any kind of preferred days and times, or should we just give you a call and book it in a bit close to the day? Give me a call closer to the day because sometimes, like, for instance, today, I work in baking, not in traffic. So that's why I was able to take Mhmm. Yes. the call at one. But if I'm working Okay. in traffic all day, I can't take the call because I'm right? So and and Yeah. I don't know, yeah, I don't know from I know from day to day. I don't know from I don't know weeks in advance. So, yeah, Gotcha. just give us a call. Yeah. Yeah.","start_word":4292,"end_word":4607,"sentiment":"neutral","sentiment_score":0.013098799847537958},{"text":"That'd be awesome. Cool.","start_word":4608,"end_word":4611,"sentiment":"positive","sentiment_score":0.5980328917503357},{"text":"What I might do as well, if you're still comfortable with everything that we're doing, I we need to still be remaining as active advisers on your Netwealth account. So I was gonna send you through a bit of an annual review pack and, like, an updated service agreement if you're still happy for us to remain on there. Yes. Cool. So when you get that document, it's gonna come through from our new overview system. First one might go to your spam box, but everything after that should be cool. And it'll just have the usual, like, the 1.65% in the fees, the $600,000 cap, and the 12 month consent. And once Yes. we've got all that up there, we can obviously move things around on the account and still have transaction access.","start_word":4612,"end_word":4745,"sentiment":"neutral","sentiment_score":0.1750158816576004},{"text":"Awesome. Cool.","start_word":4746,"end_word":4747,"sentiment":"positive","sentiment_score":0.4294765293598175},{"text":"Other than that, just expect a call in a week or two to have a quick chat with me, and I'll go through that portfolio with you.","start_word":4748,"end_word":4774,"sentiment":"neutral","sentiment_score":0.17210854589939115},{"text":"Awesome. Thank you much, please.","start_word":4775,"end_word":4779,"sentiment":"positive","sentiment_score":0.42937007546424866},{"text":"And I'll send you those details hopefully today Yes. or That Monday.","start_word":4780,"end_word":4791,"sentiment":"neutral","sentiment_score":0.17859697341918945},{"text":"would be great.","start_word":4792,"end_word":4794,"sentiment":"positive","sentiment_score":0.35212191939353943},{"text":"So then I can start contributing some more.","start_word":4795,"end_word":4802,"sentiment":"neutral","sentiment_score":0.22686667740345},{"text":"Perfect.","start_word":4803,"end_word":4803,"sentiment":"positive","sentiment_score":0.3634507060050965},{"text":"And just to double check, that'll be more like next financial year coming July. Yeah. Right? After after July, like, the July, I'll start putting money into it. Yep.","start_word":4804,"end_word":4832,"sentiment":"neutral","sentiment_score":0.13426947593688965},{"text":"Perfect.","start_word":4833,"end_word":4833,"sentiment":"positive","sentiment_score":0.3616102635860443},{"text":"Alrighty. I'll add that in the plan too.","start_word":4834,"end_word":4841,"sentiment":"neutral","sentiment_score":0.2534351944923401},{"text":"Well, thank you so much for your time, Susanna.","start_word":4842,"end_word":4850,"sentiment":"positive","sentiment_score":0.45516079664230347},{"text":"Any questions for me before I let you go? I know you said you don't have many at the moment, but No.","start_word":4851,"end_word":4872,"sentiment":"neutral","sentiment_score":0.014232962392270563},{"text":"I'm actually doing pretty well at the moment. You've answered everything. You've explained everything, and you guys are doing a great job, so I have no issues. Awesome, Susanna.","start_word":4873,"end_word":4901,"sentiment":"positive","sentiment_score":0.7439098954200745},{"text":"I might send you the usual text message if you're happy to give us a a review and your feedback.","start_word":4902,"end_word":4921,"sentiment":"neutral","sentiment_score":0.31867715716362},{"text":"And, look, it's been absolutely lovely talking to you today. Yep. I hope you have a fantastic Thank you. You too. Enjoy weekend. your weekend, and enjoy the sun that's finally coming up. Absolutely. Again, I'll be jumping on the games and going straight out Awesome. of it.","start_word":4922,"end_word":4969,"sentiment":"positive","sentiment_score":0.6010388731956482},{"text":"I'll catch you later then. Alright, mate.","start_word":4970,"end_word":4976,"sentiment":"neutral","sentiment_score":0.2358904331922531},{"text":"Thank you.","start_word":4977,"end_word":4978,"sentiment":"positive","sentiment_score":0.4947706162929535},{"text":"I'll talk to you soon. Bye. Yeah. Bye.","start_word":4979,"end_word":4986,"sentiment":"neutral","sentiment_score":0.16015884280204773}],"average":{"sentiment":"neutral","sentiment_score":0.09367032409676612}}}}