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Good to hear. Because I think last time we spoke, you were in the process of trying to pack everything up and getting ready to move everything over there and fly back just for work. Yeah. Okay. Beautiful. No. Fantastic. Well, I did, after our last conversation, go back and have a really good look. We're fine to still provide advice because you are still working in Australia, so there's no additional tax laws that we need to take that we need to take into account. So that's a really good thing for you. Before I know, Katha, I know you called up and spoke to my colleague just wanting to have a bit of a chat about your super balance as well. I do wanna kinda go through that with you and sort of give you an update and have a chat about your concerns there. But just before I do, I do have to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Oh, fantastic. And just to do security, just get you to confirm your full name, your date of birth, and address I should have on file there for you. Yep. Yes. I do. Yes. Okay. No. That's okay. That's not a problem. When you do happen to get ready to change that address, if you could just let me know. And for the meantime, I'll just make sure any communications are emailed to you so nothing is sent to that address. Is that okay? Yeah. Oh, no. That no. That's absolutely fine, but I'll grab the new address off you just because I don't want anything to be posted to the old address there. So if you've got it, I'll absolutely grab it off you. Yeah. What's the new address? Yeah. You're right. Okay. Beautiful. Yeah. You're fine. Yep. Sorry. What was the suburb? Richland. Yep. Yep. 4077. Beautiful. Thank you so much for that. You're comfortable with us sending mail to that address for you if there's anything we need to post out? Yep. Well, we can. In all honesty, we normally just email everything to you anyway, so it's normally easier. You're super fund email things. Having your postal addresses or address in Australia is more just, you know, just a secondary kind of method of contact and also just a confirmation that you do have an Australian address, especially for your super fund. But are you comfortable with us putting that address on your super fund and the rest of your file in case an email had to be sent? Yep. Yep. Perfect. Not a problem at all. Just remember when we call you, when we do security, that's the address we have on file for you, Gaspar. Easy. Not a problem at all. Excellent. I know when you called the other day and you spoke to my colleague, Hayden, you were had a bit of a question about your super balance and it kinda going down a little bit. Is that right? Oh. Yeah. Right. No. That's okay. Yeah. Yeah. Absolutely. That's what you have us for. It's absolutely not a problem. If you ever get stuck, feel free to let us know. I am after sort of going through, I've reviewed your file. And the last time we spoke about after we kind of talked about the insurance side of things because you are still kind of traveling across to New Zealand and residing there for some of the time. And with the health can like, with your health history as well, getting new insurance sort of isn't really we're not really able to apply for new new insurance at the moment, so we do have to retain the insurance you have within IND there. But I've had a really good look at your super, and it looks like there's some things that we can maybe update. I could update the portfolio. I know we have made a bit of a change to one of your investments because since we've spoken and, you know, caught up around about September for you and your review, the markets have been a little bit up and down there. So I've had a bit of a really good review of everything. There might be definitely a chance that we could we might be able to change or alter the investments within your portfolio, find maybe a, you know, an investment portfolio that might be working a little bit better for you, also maybe rebalance some of your current investments that have been performing really well and taking advantage of the market the market ups and downs we have at the moment. Are you comfortable with me maybe looking at that and updating the advice for you just to see if we can, you know, keep you on track and keep you super working harder? Yep. Happy with high growth? Yep. Yeah. Absolutely. I'll have a look at all the high growth portfolios out there. I know last year when we did your risk profile, you had still scored high growth, and you were still happy to keep in that high growth environment. We do have a couple of portfolios which will still give you that high growth asset allocation and good returns can also kind of help to reduce the risk a little bit. So I can have a look at those sorts of options, look at, you know, how we can reduce the risk with the market volatility to still look for good returns and have you invested, diversified in a in a portfolio that's showing good positive results. You're comfortable with me doing that for you? Yeah. Beautiful. With the as we kind of spoke about before, we're not able get new new insurance cover. So keeping the life and TB that you have within the IND suit is gonna be preferable at the moment mostly because if we do look to apply for any new cover, I mean, we did sort of do a bit a ring around with the pre assessments completed, and it it has sort of come back saying that they weren't willing to offer any cover mostly without any loadings or huge exclusions. So an exclusion is basically stops you from claiming for anything that's preexisting. So it does make it much harder to apply for new cover that way. But are you comfortable if we just keep your licensed EPD as it is and try to maybe boost your super a bit more to give you a bit of a buffer in the event of anything occurring? Yep. Beautiful. And are you open to maybe making additional contributions to super if it provides a greater benefit long term, or would you prefer not to make additional contributions to super at the moment? Nope. That's okay. Yeah. Absolutely. Yeah. Definitely. And you're not working in New Zealand at the moment. Is there any plans to work in New Zealand down the track? Yep. Okay. No. Definitely keeping it both very separate. Absolutely. No. Perfect. Not a problem at all. And I can see here when we kinda caught up last year, we talked about, obviously, your beneficiaries. You still want them to be nominated a 100% to to your wife if anything was to happen. Have you guys since sort of looking set up a will since we caught up, or have you talked about doing a making a will on power of attorney and things like that? Sorry. I looking at the account, it actually looks like there's no beneficiary applied. So I wanna make sure that we do get one applied to you. I I have a note from the last time we called out that you wanted it to be to your wife, and I'm just double checking. How do I spell her name just so it is correct? Yep. Beautiful. This is just the first and last name sufficient. So it's k e sorry. You're right. You're right. It's k e r I a n a, just one r? Yep. Perfect. Perfect. I have Van Staden, same as yours. Beautiful. Excellent. Did you if you like, what we can do is we can have that prefilled. If you're comfortable with us doing so, prefilling the information on the beneficiary, and I can get my admin team to email it to you. Would that be preferable? Yep. Beautiful. I'm just logging into the super account now. I will definitely I'm just logging into Netwealth to double check and have a look. The the file that I had here said there was nothing applied. In Netwealth, it does look like I do have the beneficiary there, but it does have her surname. I think it would be her old name. Yeah. Yep. And does she go by the Van Staden surname? Yes. Okay. Is her light yeah. That's okay. Is her license being changed to reflect that? Yes. Beautiful. So it's still really important we update that because while she is noted here as a beneficiary and it's correct, it does essentially mean that if anything was to happen, it can be harder for her to claim that the surname not being up to date. So I'll get the beneficiary emailed to you. I can get my team member to email that either today or tomorrow for you, and I'll make sure we do update it for you. Can I grab her date of birth off you as well, Casper? Yep. 1985. Beautiful. And I've got here so we've got a couple of different options for directions. So beneficiaries, you've got a binding or nothing beneficiary at the moment. That essentially means that the trustee is forced to follow the direction you've made so long as it's valid. And it means you only have to fill the form out once and never have to fill out again unless you change your beneficiary. Did you want to keep that binding nonlapsing beneficiary nomination? Are you happy for me to tick that box? Yep. Beautiful. Lovely. So what we'll do is I'll get Michelle, my admin, to pre fill those out to you, and she'll email them through to you either today or tomorrow. And, yeah, once they come through, if you can just print, sign, get two witnesses to witness the document. Your wife can't be a witness. If you've got two people at work or your cousin and his partner or someone yep. Perfect. Just get them to witness the document, and then send it back to us, and we can have that updated to reflect for you. So if anything was to happen, it'll be a lot easier for her to sign to to claim. Sorry. Okay? Yeah. Yep. No. Not a problem. I'll let Michelle know to try and get that done this afternoon for you straight after the call. That way we can get that emailed off to you ASAP. Not a problem at all, Gus. But that's okay. If you have any other questions while you have me here with the other any other concerns or questions? Or yes. Yeah. Right. Yes. Yes. That is a really interesting question. I'm not a 100% sure, mostly because I'm not sure how the structure or the tax system in New Zealand works. But the only way that I would probably think and the way I understand our tax system to work is that if you as an Australian tax resident, we have to pay tax here on both Australian income, but also income earned in other countries. Is the business in New Zealand, is that like a sole trader business, or is it a company? Or how is that set up? Yeah. Okay. Yeah. Yeah. Because I yeah. Yeah. Yeah. The only thing I could maybe think of that it could be, and I'd probably just double check with your accountant to have them explain sorry. Explain it a bit clearer to you, is, like, I have investments in another country in The US. So when I do my tax return every year, any income that I've earned or dividends that my investment has paid from The US, I pay tax in The US, but then I also declare it on my tax return here. So then I pay tax here as well as in The US, but the tax I pay in The US, I claim as a tax deduction. So it hopefully reduces the amount of tax, but I technically still have to pay tax in both companies. And then my accountant claims a tax deduction for the tax I paid overseas. Does that make sense? Yeah. Mhmm. Yeah. I mean, page can add blocker on account, and so they should be doing it properly, but they should be able to explain that to you and show you when they do your tax summary. They should be able to show you where they're inputting the information and how that all works. So I would probably ask them the question on how that works because I I know how it works for me and the way I invest. And I've I've seen other people who have got business overseas, and I understand how that works for them as well. But it kinda comes this comes down to your personal circumstances. But that's probably the only way that I can see that that would be what they're doing for you. But I would get them to to break that down for you, ask them a question, and, you know, see if they can they should be able to explain they should be able to print the document out and show you where they're inputting the income from both the places and what they're, you know, deducting off and how that works. Yeah. We don't, unfortunately. We do have tax accountants that we work with. So if you like, we can send you some referral information on a couple of accountants if you wanted to maybe have that email across. Yeah. No. Not a problem at all. In Brisbane. I'll see what I can find for you. I'll have a look. We do have a couple of accounts, and we just send you the email with their details, and then you're welcome to have a look at their website and and contact them if you want them to have a look at it. But some of these accountants, even if they are on the Gold Coast or not quite in Brisbane, they might be able to do everything over the phone and email for you. And if they're a little bit better than the HNI block, they might be also able to explain everything in a bit more detail to you as well. Yeah. That's okay. I'll get Michelle to add some of that information there on one of the accounting firms that we deal with for you as part of that email with your beneficiaries if you like. Oh, fantastic. All good. Well, what I'll do after the call is I'll go back and just complete some updated research for you. I'll look at your portfolio, look at updating everything. We'll provide a new updated advice document for you. Just having a quick look. Did you want me to make some time now to book you back in for in a couple of weeks to have that advice document presented, or did you want me to give you a call once it's ready yet? Perfect. Now you work two weeks on, don't you? That's okay. So you're flying back into Brisbane now or to last night. Is that right? Yep. That okay. So does that mean you'll be flying back on the June 2? That's okay. You're fine. Okay. Yep. Yep. Yep. That's fine. Did you want me just to book in if you're flying out the June 2, did you want me to book in a time oh, sorry. The third. Not a problem. Are you working on the second, the Tuesday the second at all? Yep. Did okay. All good. Yeah. Absolutely. So what time WA time suits you for a phone call just to go through the updated advice document? Yeah. You are. Look. Honestly, I will work early or late or whatever time suits you. I'll make it work on this end for you. Did you want because I believe so seven 08:00 your time is about 10:00 my time. Yeah. Absolutely. So 7AM WA time is eight. It's 09:00 my time on Tuesday, the second of June. Yeah. No. Not a problem at all. I'll make that work for you. Absolutely. That's okay. So I'll go back and review your portfolio. I'll do up an advice document. We'll definitely have to retain the I n g, but we'll do what we can to make it work, and we'll do another advice document, look at your investments, how everything is, and I'll let you know what we recommend. We can go through that together. I'll send it to you when I give you the phone call so you can see what I've recommended, how it works for you, the advantages, and then you're welcome to take it and read it before you sign it. So if you go back to New Zealand and wanna, you know, read it while you're there, that's fine. And then you get to decide whether you take on the advice at all. Does that sound okay? Yep. Fantastic. Not a problem. And I'll make sure we get those beneficiary nominations out to you this afternoon. And I'll also just let Michelle know to add the details for our local account there as well. Okay? Oh, not a problem at all, Casper. I hope you have a good week. I'll talk to you soon. If there's anything else you need, please don't ever hesitate to give me a buzz. Okay? No worries. Talk to you soon. Thank you. See you later. 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Casper. It's Dana from OC Financial. How are you today? I'm very well. Thank you.\n\nHow's everything been going for you since the move? Oh, okay. Oh, okay. Beautiful. Beautiful.\n\nNo. Excellent. Good to hear. Because I think last time we spoke, you were in the process of trying to pack everything up and getting ready to move everything over there and fly back just for work. Yeah.\n\nOkay. Beautiful. No. Fantastic. Well, I did, after our last conversation, go back and have a really good look.\n\nWe're fine to still provide advice because you are still working in Australia, so there's no additional tax laws that we need to take that we need to take into account. So that's a really good thing for you. Before I know, Katha, I know you called up and spoke to my colleague just wanting to have a bit of a chat about your super balance as well. I do wanna kinda go through that with you and sort of give you an update and have a chat about your concerns there. But just before I do, I do have to let you know we do record our calls for quality and training purposes.\n\nAre you happy for me to proceed with that? Oh, fantastic. And just to do security, just get you to confirm your full name, your date of birth, and address I should have on file there for you. Yep. Yes.\n\nI do. Yes. Okay. No. That's okay.\n\nThat's not a problem. When you do happen to get ready to change that address, if you could just let me know. And for the meantime, I'll just make sure any communications are emailed to you so nothing is sent to that address. Is that okay? Yeah.\n\nOh, no. That no. That's absolutely fine, but I'll grab the new address off you just because I don't want anything to be posted to the old address there. So if you've got it, I'll absolutely grab it off you. Yeah.\n\nWhat's the new address? Yeah. You're right. Okay. Beautiful.\n\nYeah. You're fine. Yep. Sorry. What was the suburb?\n\nRichland. Yep. Yep. 4077. Beautiful.\n\nThank you so much for that. You're comfortable with us sending mail to that address for you if there's anything we need to post out? Yep. Well, we can. In all honesty, we normally just email everything to you anyway, so it's normally easier.\n\nYou're super fund email things. Having your postal addresses or address in Australia is more just, you know, just a secondary kind of method of contact and also just a confirmation that you do have an Australian address, especially for your super fund. But are you comfortable with us putting that address on your super fund and the rest of your file in case an email had to be sent? Yep. Yep.\n\nPerfect. Not a problem at all. Just remember when we call you, when we do security, that's the address we have on file for you, Gaspar. Easy. Not a problem at all.\n\nExcellent. I know when you called the other day and you spoke to my colleague, Hayden, you were had a bit of a question about your super balance and it kinda going down a little bit. Is that right? Oh. Yeah.\n\nRight. No. That's okay. Yeah. Yeah.\n\nAbsolutely. That's what you have us for. It's absolutely not a problem. If you ever get stuck, feel free to let us know. I am after sort of going through, I've reviewed your file.\n\nAnd the last time we spoke about after we kind of talked about the insurance side of things because you are still kind of traveling across to New Zealand and residing there for some of the time. And with the health can like, with your health history as well, getting new insurance sort of isn't really we're not really able to apply for new new insurance at the moment, so we do have to retain the insurance you have within IND there. But I've had a really good look at your super, and it looks like there's some things that we can maybe update. I could update the portfolio. I know we have made a bit of a change to one of your investments because since we've spoken and, you know, caught up around about September for you and your review, the markets have been a little bit up and down there.\n\nSo I've had a bit of a really good review of everything. There might be definitely a chance that we could we might be able to change or alter the investments within your portfolio, find maybe a, you know, an investment portfolio that might be working a little bit better for you, also maybe rebalance some of your current investments that have been performing really well and taking advantage of the market the market ups and downs we have at the moment. Are you comfortable with me maybe looking at that and updating the advice for you just to see if we can, you know, keep you on track and keep you super working harder? Yep. Happy with high growth?\n\nYep. Yeah. Absolutely. I'll have a look at all the high growth portfolios out there. I know last year when we did your risk profile, you had still scored high growth, and you were still happy to keep in that high growth environment.\n\nWe do have a couple of portfolios which will still give you that high growth asset allocation and good returns can also kind of help to reduce the risk a little bit. So I can have a look at those sorts of options, look at, you know, how we can reduce the risk with the market volatility to still look for good returns and have you invested, diversified in a in a portfolio that's showing good positive results. You're comfortable with me doing that for you? Yeah. Beautiful.\n\nWith the as we kind of spoke about before, we're not able get new new insurance cover. So keeping the life and TB that you have within the IND suit is gonna be preferable at the moment mostly because if we do look to apply for any new cover, I mean, we did sort of do a bit a ring around with the pre assessments completed, and it it has sort of come back saying that they weren't willing to offer any cover mostly without any loadings or huge exclusions. So an exclusion is basically stops you from claiming for anything that's preexisting. So it does make it much harder to apply for new cover that way. But are you comfortable if we just keep your licensed EPD as it is and try to maybe boost your super a bit more to give you a bit of a buffer in the event of anything occurring?\n\nYep. Beautiful. And are you open to maybe making additional contributions to super if it provides a greater benefit long term, or would you prefer not to make additional contributions to super at the moment? Nope. That's okay.\n\nYeah. Absolutely. Yeah. Definitely. And you're not working in New Zealand at the moment.\n\nIs there any plans to work in New Zealand down the track? Yep. Okay. No. Definitely keeping it both very separate.\n\nAbsolutely. No. Perfect. Not a problem at all. And I can see here when we kinda caught up last year, we talked about, obviously, your beneficiaries.\n\nYou still want them to be nominated a 100% to to your wife if anything was to happen. Have you guys since sort of looking set up a will since we caught up, or have you talked about doing a making a will on power of attorney and things like that? Sorry. I looking at the account, it actually looks like there's no beneficiary applied. So I wanna make sure that we do get one applied to you.\n\nI I have a note from the last time we called out that you wanted it to be to your wife, and I'm just double checking. How do I spell her name just so it is correct? Yep. Beautiful. This is just the first and last name sufficient.\n\nSo it's k e sorry. You're right. You're right. It's k e r I a n a, just one r? Yep.\n\nPerfect. Perfect. I have Van Staden, same as yours. Beautiful. Excellent.\n\nDid you if you like, what we can do is we can have that prefilled. If you're comfortable with us doing so, prefilling the information on the beneficiary, and I can get my admin team to email it to you. Would that be preferable? Yep. Beautiful.\n\nI'm just logging into the super account now. I will definitely I'm just logging into Netwealth to double check and have a look. The the file that I had here said there was nothing applied. In Netwealth, it does look like I do have the beneficiary there, but it does have her surname. I think it would be her old name.\n\nYeah. Yep. And does she go by the Van Staden surname? Yes. Okay.\n\nIs her light yeah. That's okay. Is her license being changed to reflect that? Yes. Beautiful.\n\nSo it's still really important we update that because while she is noted here as a beneficiary and it's correct, it does essentially mean that if anything was to happen, it can be harder for her to claim that the surname not being up to date. So I'll get the beneficiary emailed to you. I can get my team member to email that either today or tomorrow for you, and I'll make sure we do update it for you. Can I grab her date of birth off you as well, Casper? Yep.\n\n1985. Beautiful. And I've got here so we've got a couple of different options for directions. So beneficiaries, you've got a binding or nothing beneficiary at the moment. That essentially means that the trustee is forced to follow the direction you've made so long as it's valid.\n\nAnd it means you only have to fill the form out once and never have to fill out again unless you change your beneficiary. Did you want to keep that binding nonlapsing beneficiary nomination? Are you happy for me to tick that box? Yep. Beautiful.\n\nLovely. So what we'll do is I'll get Michelle, my admin, to pre fill those out to you, and she'll email them through to you either today or tomorrow. And, yeah, once they come through, if you can just print, sign, get two witnesses to witness the document. Your wife can't be a witness. If you've got two people at work or your cousin and his partner or someone yep.\n\nPerfect. Just get them to witness the document, and then send it back to us, and we can have that updated to reflect for you. So if anything was to happen, it'll be a lot easier for her to sign to to claim. Sorry. Okay?\n\nYeah. Yep. No. Not a problem. I'll let Michelle know to try and get that done this afternoon for you straight after the call.\n\nThat way we can get that emailed off to you ASAP. Not a problem at all, Gus. But that's okay. If you have any other questions while you have me here with the other any other concerns or questions? Or yes.\n\nYeah. Right. Yes. Yes. That is a really interesting question.\n\nI'm not a 100% sure, mostly because I'm not sure how the structure or the tax system in New Zealand works. But the only way that I would probably think and the way I understand our tax system to work is that if you as an Australian tax resident, we have to pay tax here on both Australian income, but also income earned in other countries. Is the business in New Zealand, is that like a sole trader business, or is it a company? Or how is that set up? Yeah.\n\nOkay. Yeah. Yeah. Because I yeah. Yeah.\n\nYeah. The only thing I could maybe think of that it could be, and I'd probably just double check with your accountant to have them explain sorry. Explain it a bit clearer to you, is, like, I have investments in another country in The US. So when I do my tax return every year, any income that I've earned or dividends that my investment has paid from The US, I pay tax in The US, but then I also declare it on my tax return here. So then I pay tax here as well as in The US, but the tax I pay in The US, I claim as a tax deduction.\n\nSo it hopefully reduces the amount of tax, but I technically still have to pay tax in both companies. And then my accountant claims a tax deduction for the tax I paid overseas. Does that make sense? Yeah. Mhmm.\n\nYeah. I mean, page can add blocker on account, and so they should be doing it properly, but they should be able to explain that to you and show you when they do your tax summary. They should be able to show you where they're inputting the information and how that all works. So I would probably ask them the question on how that works because I I know how it works for me and the way I invest. And I've I've seen other people who have got business overseas, and I understand how that works for them as well.\n\nBut it kinda comes this comes down to your personal circumstances. But that's probably the only way that I can see that that would be what they're doing for you. But I would get them to to break that down for you, ask them a question, and, you know, see if they can they should be able to explain they should be able to print the document out and show you where they're inputting the income from both the places and what they're, you know, deducting off and how that works. Yeah. We don't, unfortunately.\n\nWe do have tax accountants that we work with. So if you like, we can send you some referral information on a couple of accountants if you wanted to maybe have that email across. Yeah. No. Not a problem at all.\n\nIn Brisbane. I'll see what I can find for you. I'll have a look. We do have a couple of accounts, and we just send you the email with their details, and then you're welcome to have a look at their website and and contact them if you want them to have a look at it. But some of these accountants, even if they are on the Gold Coast or not quite in Brisbane, they might be able to do everything over the phone and email for you.\n\nAnd if they're a little bit better than the HNI block, they might be also able to explain everything in a bit more detail to you as well. Yeah. That's okay. I'll get Michelle to add some of that information there on one of the accounting firms that we deal with for you as part of that email with your beneficiaries if you like. Oh, fantastic.\n\nAll good. Well, what I'll do after the call is I'll go back and just complete some updated research for you. I'll look at your portfolio, look at updating everything. We'll provide a new updated advice document for you. Just having a quick look.\n\nDid you want me to make some time now to book you back in for in a couple of weeks to have that advice document presented, or did you want me to give you a call once it's ready yet? Perfect. Now you work two weeks on, don't you? That's okay. So you're flying back into Brisbane now or to last night.\n\nIs that right? Yep. That okay. So does that mean you'll be flying back on the June 2? That's okay.\n\nYou're fine. Okay. Yep. Yep. Yep.\n\nThat's fine. Did you want me just to book in if you're flying out the June 2, did you want me to book in a time oh, sorry. The third. Not a problem. Are you working on the second, the Tuesday the second at all?\n\nYep. Did okay. All good. Yeah. Absolutely.\n\nSo what time WA time suits you for a phone call just to go through the updated advice document? Yeah. You are. Look. Honestly, I will work early or late or whatever time suits you.\n\nI'll make it work on this end for you. Did you want because I believe so seven 08:00 your time is about 10:00 my time. Yeah. Absolutely. So 7AM WA time is eight.\n\nIt's 09:00 my time on Tuesday, the second of June. Yeah. No. Not a problem at all. I'll make that work for you.\n\nAbsolutely. That's okay. So I'll go back and review your portfolio. I'll do up an advice document. We'll definitely have to retain the I n g, but we'll do what we can to make it work, and we'll do another advice document, look at your investments, how everything is, and I'll let you know what we recommend.\n\nWe can go through that together. I'll send it to you when I give you the phone call so you can see what I've recommended, how it works for you, the advantages, and then you're welcome to take it and read it before you sign it. So if you go back to New Zealand and wanna, you know, read it while you're there, that's fine. And then you get to decide whether you take on the advice at all. Does that sound okay?\n\nYep. Fantastic. Not a problem. And I'll make sure we get those beneficiary nominations out to you this afternoon. And I'll also just let Michelle know to add the details for our local account there as well.\n\nOkay? Oh, not a problem at all, Casper. I hope you have a good week. I'll talk to you soon. If there's anything else you need, please don't ever hesitate to give me a buzz.\n\nOkay? No worries. Talk to you soon. Thank you. See you later.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hi, Casper.","start":2.24,"end":3.12,"sentiment":"neutral","sentiment_score":0.16850315034389496},{"text":"It's Dana from OC Financial.","start":3.12,"end":4.74,"sentiment":"neutral","sentiment_score":0.17969964146614076},{"text":"How are you today?","start":4.88,"end":5.8599997,"sentiment":"neutral","sentiment_score":0.2346946932375431},{"text":"I'm very well.","start":8.0,"end":8.96,"sentiment":"positive","sentiment_score":0.618921677271525},{"text":"Thank you.","start":8.96,"end":9.44,"sentiment":"positive","sentiment_score":0.6690797805786133}],"sentiment":"positive","sentiment_score":0.33557549212127924,"num_words":16,"start":2.24,"end":9.44},{"sentences":[{"text":"How's everything been going for you since the move?","start":9.44,"end":12.099999,"sentiment":"neutral","sentiment_score":0.3136269847551982},{"text":"Oh, okay.","start":20.955,"end":21.615,"sentiment":"neutral","sentiment_score":0.1481109783053398},{"text":"Oh, okay.","start":30.13,"end":30.929998,"sentiment":"neutral","sentiment_score":0.1841033697128296},{"text":"Beautiful.","start":30.929998,"end":31.429998,"sentiment":"positive","sentiment_score":0.4075432419776917},{"text":"Beautiful.","start":31.89,"end":32.39,"sentiment":"positive","sentiment_score":0.38670945167541504}],"sentiment":"neutral","sentiment_score":0.28542161683241524,"num_words":15,"start":9.44,"end":32.39},{"sentences":[{"text":"No.","start":32.77,"end":33.27,"sentiment":"neutral","sentiment_score":0.11289045959711076},{"text":"Excellent.","start":33.57,"end":34.07,"sentiment":"neutral","sentiment_score":0.2782893776893616},{"text":"Good to hear.","start":34.129997,"end":34.93,"sentiment":"neutral","sentiment_score":0.2898993293444316},{"text":"Because I think last time we spoke, you were in the process of trying to pack everything up and getting ready to move everything over there and fly back just for work.","start":34.93,"end":42.79,"sentiment":"neutral","sentiment_score":0.06978519877884537},{"text":"Yeah.","start":48.795,"end":49.295,"sentiment":"neutral","sentiment_score":0.06435365229845047}],"sentiment":"neutral","sentiment_score":0.09364099575108603,"num_words":38,"start":32.77,"end":49.295},{"sentences":[{"text":"Okay.","start":51.114998,"end":51.594997,"sentiment":"neutral","sentiment_score":0.1492137610912323},{"text":"Beautiful.","start":51.594997,"end":52.094997,"sentiment":"neutral","sentiment_score":0.23456718027591705},{"text":"No.","start":52.315,"end":52.635,"sentiment":"neutral","sentiment_score":0.1922229826450348},{"text":"Fantastic.","start":52.635,"end":53.135,"sentiment":"neutral","sentiment_score":0.33275285363197327},{"text":"Well, I did, after our last conversation, go back and have a really good look.","start":53.995,"end":57.355,"sentiment":"neutral","sentiment_score":0.25909057855606077}],"sentiment":"neutral","sentiment_score":0.2523744976834247,"num_words":19,"start":51.114998,"end":57.355},{"sentences":[{"text":"We're fine to still provide advice because you are still working in Australia, so there's no additional tax laws that we need to take that we need to take into account.","start":57.355,"end":65.58,"sentiment":"neutral","sentiment_score":0.19482403921504174},{"text":"So that's a really good thing for you.","start":65.58,"end":67.520004,"sentiment":"positive","sentiment_score":0.5101939402520657},{"text":"Before I know, Katha, I know you called up and spoke to my colleague just wanting to have a bit of a chat about your super balance as well.","start":68.14,"end":75.415,"sentiment":"neutral","sentiment_score":0.06666103121021698},{"text":"I do wanna kinda go through that with you and sort of give you an update and have a chat about your concerns there.","start":75.715,"end":81.174995,"sentiment":"neutral","sentiment_score":0.0882202466018498},{"text":"But just before I do, I do have to let you know we do record our calls for quality and training purposes.","start":81.395,"end":86.659996,"sentiment":"neutral","sentiment_score":0.046832189725881275}],"sentiment":"neutral","sentiment_score":0.1333496555718675,"num_words":114,"start":57.355,"end":86.659996},{"sentences":[{"text":"Are you happy for me to proceed with that?","start":86.659996,"end":88.84,"sentiment":"neutral","sentiment_score":0.0993085718817181},{"text":"Oh, fantastic.","start":91.14,"end":91.96,"sentiment":"positive","sentiment_score":0.3950525224208832},{"text":"And just to do security, just get you to confirm your full name, your date of birth, and address I should have on file there for you.","start":92.259995,"end":99.31999,"sentiment":"neutral","sentiment_score":0.14004531889050095},{"text":"Yep.","start":104.335,"end":104.835,"sentiment":"neutral","sentiment_score":0.06358092278242111},{"text":"Yes.","start":110.255005,"end":110.755005,"sentiment":"neutral","sentiment_score":0.07883177697658539}],"sentiment":"neutral","sentiment_score":0.14018796253949403,"num_words":40,"start":86.659996,"end":110.755005},{"sentences":[{"text":"I do.","start":110.975,"end":111.615005,"sentiment":"neutral","sentiment_score":0.07425401732325554},{"text":"Yes.","start":111.615005,"end":112.115005,"sentiment":"neutral","sentiment_score":0.03521251678466797},{"text":"Okay.","start":119.229996,"end":119.729996,"sentiment":"neutral","sentiment_score":0.21643328666687012},{"text":"No.","start":120.909996,"end":121.229996,"sentiment":"neutral","sentiment_score":0.011517565697431564},{"text":"That's okay.","start":121.229996,"end":122.11,"sentiment":"neutral","sentiment_score":0.08554234355688095}],"sentiment":"neutral","sentiment_score":0.08325087012989181,"num_words":7,"start":110.975,"end":122.11},{"sentences":[{"text":"That's not a problem.","start":122.11,"end":123.07,"sentiment":"neutral","sentiment_score":0.26443587243556976},{"text":"When you do happen to get ready to change that address, if you could just let me know.","start":123.07,"end":127.49,"sentiment":"neutral","sentiment_score":0.11634532486399014},{"text":"And for the meantime, I'll just make sure any communications are emailed to you so nothing is sent to that address.","start":127.95,"end":133.77501,"sentiment":"neutral","sentiment_score":0.06809142019067492},{"text":"Is that okay?","start":133.77501,"end":134.595,"sentiment":"neutral","sentiment_score":0.08788058161735535},{"text":"Yeah.","start":138.895,"end":139.395,"sentiment":"neutral","sentiment_score":-0.05001120641827583}],"sentiment":"neutral","sentiment_score":0.102032121270895,"num_words":47,"start":122.11,"end":139.395},{"sentences":[{"text":"Oh, no.","start":140.255,"end":141.375,"sentiment":"neutral","sentiment_score":-0.028636743780225515},{"text":"That no.","start":141.375,"end":143.6,"sentiment":"neutral","sentiment_score":-0.07460151240229607},{"text":"That's absolutely fine, but I'll grab the new address off you just because I don't want anything to be posted to the old address there.","start":143.6,"end":149.04001,"sentiment":"neutral","sentiment_score":-0.07790890619158745},{"text":"So if you've got it, I'll absolutely grab it off you.","start":149.04001,"end":151.44,"sentiment":"neutral","sentiment_score":0.03408720090307973},{"text":"Yeah.","start":151.44,"end":151.94,"sentiment":"neutral","sentiment_score":0.025260940194129944}],"sentiment":"neutral","sentiment_score":-0.04277997602504201,"num_words":41,"start":140.255,"end":151.94},{"sentences":[{"text":"What's the new address?","start":152.0,"end":153.14,"sentiment":"neutral","sentiment_score":0.011210551019757986},{"text":"Yeah.","start":156.415,"end":156.81499,"sentiment":"neutral","sentiment_score":0.04027194157242775},{"text":"You're right.","start":156.81499,"end":157.635,"sentiment":"neutral","sentiment_score":0.04823790863156319},{"text":"Okay.","start":162.17499,"end":162.67499,"sentiment":"neutral","sentiment_score":0.05907551571726799},{"text":"Beautiful.","start":162.89499,"end":163.39499,"sentiment":"neutral","sentiment_score":0.28885960578918457}],"sentiment":"neutral","sentiment_score":0.058836120491226516,"num_words":9,"start":152.0,"end":163.39499},{"sentences":[{"text":"Yeah.","start":166.73499,"end":167.055,"sentiment":"neutral","sentiment_score":0.03957181423902512},{"text":"You're fine.","start":167.055,"end":167.875,"sentiment":"neutral","sentiment_score":0.03986469842493534},{"text":"Yep.","start":169.76999,"end":170.26999,"sentiment":"neutral","sentiment_score":0.02779245004057884},{"text":"Sorry.","start":175.04999,"end":175.54999,"sentiment":"neutral","sentiment_score":-0.006016632542014122},{"text":"What was the suburb?","start":176.25,"end":177.39,"sentiment":"neutral","sentiment_score":-0.0008045077556744218}],"sentiment":"neutral","sentiment_score":0.01531766639608476,"num_words":9,"start":166.73499,"end":177.39},{"sentences":[{"text":"Richland.","start":177.84999,"end":178.34999,"sentiment":"neutral","sentiment_score":0.014097390696406364},{"text":"Yep.","start":178.48999,"end":178.98999,"sentiment":"neutral","sentiment_score":0.020044468343257904},{"text":"Yep.","start":181.76999,"end":182.26999,"sentiment":"neutral","sentiment_score":0.019579000771045685},{"text":"4077.","start":189.735,"end":191.25499,"sentiment":"neutral","sentiment_score":0.024198859930038452},{"text":"Beautiful.","start":191.25499,"end":191.75499,"sentiment":"positive","sentiment_score":0.43360593914985657}],"sentiment":"neutral","sentiment_score":0.10230513177812099,"num_words":5,"start":177.84999,"end":191.75499},{"sentences":[{"text":"Thank you so much for that.","start":191.815,"end":193.355,"sentiment":"positive","sentiment_score":0.6132045189539591},{"text":"You're comfortable with us sending mail to that address for you if there's anything we need to post out?","start":193.655,"end":199.84001,"sentiment":"neutral","sentiment_score":0.29993774153684316},{"text":"Yep.","start":202.06001,"end":202.56001,"sentiment":"neutral","sentiment_score":0.022527864202857018},{"text":"Well, we can.","start":205.5,"end":207.84001,"sentiment":"neutral","sentiment_score":0.05646808352321386},{"text":"In all honesty, we normally just email everything to you anyway, so it's normally easier.","start":208.06001,"end":212.70001,"sentiment":"neutral","sentiment_score":0.12298330714305242}],"sentiment":"neutral","sentiment_score":0.2594255892009559,"num_words":44,"start":191.815,"end":212.70001},{"sentences":[{"text":"You're super fund email things.","start":212.70001,"end":214.795,"sentiment":"neutral","sentiment_score":0.20343518257141113},{"text":"Having your postal addresses or address in Australia is more just, you know, just a secondary kind of method of contact and also just a confirmation that you do have an Australian address, especially for your super fund.","start":215.415,"end":228.215,"sentiment":"neutral","sentiment_score":0.05339937233120987},{"text":"But are you comfortable with us putting that address on your super fund and the rest of your file in case an email had to be sent?","start":228.215,"end":236.6,"sentiment":"neutral","sentiment_score":0.05675523824713848},{"text":"Yep.","start":236.6,"end":237.1,"sentiment":"neutral","sentiment_score":0.0701332688331604},{"text":"Yep.","start":238.68001,"end":239.18001,"sentiment":"neutral","sentiment_score":0.2461402267217636}],"sentiment":"neutral","sentiment_score":0.06798634707875964,"num_words":72,"start":212.70001,"end":239.18001},{"sentences":[{"text":"Perfect.","start":239.40001,"end":239.90001,"sentiment":"positive","sentiment_score":0.5076760053634644},{"text":"Not a problem at all.","start":240.20001,"end":241.24,"sentiment":"neutral","sentiment_score":0.2896364271640778},{"text":"Just remember when we call you, when we do security, that's the address we have on file for you, Gaspar.","start":241.24,"end":246.22499,"sentiment":"neutral","sentiment_score":0.12129609100520611},{"text":"Easy.","start":248.765,"end":249.165,"sentiment":"neutral","sentiment_score":0.3170034885406494},{"text":"Not a problem at all.","start":249.165,"end":250.28499,"sentiment":"neutral","sentiment_score":0.26364597082138064}],"sentiment":"neutral","sentiment_score":0.18803166574798524,"num_words":32,"start":239.40001,"end":250.28499},{"sentences":[{"text":"Excellent.","start":250.28499,"end":250.78499,"sentiment":"positive","sentiment_score":0.4663222432136536},{"text":"I know when you called the other day and you spoke to my colleague, Hayden, you were had a bit of a question about your super balance and it kinda going down a little bit.","start":251.485,"end":259.86,"sentiment":"neutral","sentiment_score":-0.0036693404827799116},{"text":"Is that right?","start":259.86,"end":262.82,"sentiment":"neutral","sentiment_score":-0.05206081767876943},{"text":"Oh.","start":262.82,"end":263.32,"sentiment":"neutral","sentiment_score":-0.09333081543445589},{"text":"Yeah.","start":269.62,"end":270.12,"sentiment":"neutral","sentiment_score":-0.03863377869129181}],"sentiment":"neutral","sentiment_score":0.0012133726623000166,"num_words":41,"start":250.28499,"end":270.12},{"sentences":[{"text":"Right.","start":275.215,"end":275.535,"sentiment":"neutral","sentiment_score":-0.02271372452378273},{"text":"No.","start":275.535,"end":276.015,"sentiment":"neutral","sentiment_score":-0.05025137960910797},{"text":"That's okay.","start":276.015,"end":276.835,"sentiment":"neutral","sentiment_score":-0.029759674333035946},{"text":"Yeah.","start":281.855,"end":282.355,"sentiment":"neutral","sentiment_score":-0.06676356494426727},{"text":"Yeah.","start":287.26,"end":287.76,"sentiment":"neutral","sentiment_score":-0.04009941965341568}],"sentiment":"neutral","sentiment_score":-0.03989123956610759,"num_words":6,"start":275.215,"end":287.76},{"sentences":[{"text":"Absolutely.","start":293.90002,"end":294.38,"sentiment":"neutral","sentiment_score":0.21831953525543213},{"text":"That's what you have us for.","start":294.38,"end":295.58002,"sentiment":"neutral","sentiment_score":0.2823595255613327},{"text":"It's absolutely not a problem.","start":295.58002,"end":296.7,"sentiment":"neutral","sentiment_score":0.32226739525794984},{"text":"If you ever get stuck, feel free to let us know.","start":296.7,"end":299.12003,"sentiment":"neutral","sentiment_score":0.13207837803797287},{"text":"I am after sort of going through, I've reviewed your file.","start":300.03497,"end":302.995,"sentiment":"neutral","sentiment_score":0.009541059336201712}],"sentiment":"neutral","sentiment_score":0.14945963164791465,"num_words":34,"start":293.90002,"end":302.995},{"sentences":[{"text":"And the last time we spoke about after we kind of talked about the insurance side of things because you are still kind of traveling across to New Zealand and residing there for some of the time.","start":302.995,"end":313.655,"sentiment":"neutral","sentiment_score":-0.012000337394105422},{"text":"And with the health can like, with your health history as well, getting new insurance sort of isn't really we're not really able to apply for new new insurance at the moment, so we do have to retain the insurance you have within IND there.","start":314.88,"end":328.26,"sentiment":"neutral","sentiment_score":-0.06616075556311342},{"text":"But I've had a really good look at your super, and it looks like there's some things that we can maybe update.","start":328.985,"end":333.54498,"sentiment":"positive","sentiment_score":0.4184511209076101},{"text":"I could update the portfolio.","start":333.54498,"end":335.00497,"sentiment":"neutral","sentiment_score":0.17391790747642516},{"text":"I know we have made a bit of a change to one of your investments because since we've spoken and, you know, caught up around about September for you and your review, the markets have been a little bit up and down there.","start":335.465,"end":348.95,"sentiment":"neutral","sentiment_score":0.06900418515122214}],"sentiment":"neutral","sentiment_score":0.06329899786138221,"num_words":152,"start":302.995,"end":348.95},{"sentences":[{"text":"So I've had a bit of a really good review of everything.","start":348.95,"end":351.53,"sentiment":"neutral","sentiment_score":0.22498024441301823},{"text":"There might be definitely a chance that we could we might be able to change or alter the investments within your portfolio, find maybe a, you know, an investment portfolio that might be working a little bit better for you, also maybe rebalance some of your current investments that have been performing really well and taking advantage of the market the market ups and downs we have at the moment.","start":352.31,"end":371.23,"sentiment":"neutral","sentiment_score":0.16781050727835722},{"text":"Are you comfortable with me maybe looking at that and updating the advice for you just to see if we can, you know, keep you on track and keep you super working harder?","start":371.93,"end":379.71,"sentiment":"neutral","sentiment_score":0.1880217707066825},{"text":"Yep.","start":384.025,"end":384.525,"sentiment":"neutral","sentiment_score":0.06106370687484741},{"text":"Happy with high growth?","start":386.50497,"end":388.28497,"sentiment":"neutral","sentiment_score":0.2211271971464157}],"sentiment":"neutral","sentiment_score":0.17997324476018547,"num_words":120,"start":348.95,"end":388.28497},{"sentences":[{"text":"Yep.","start":392.425,"end":392.905,"sentiment":"neutral","sentiment_score":0.15088900923728943},{"text":"Yeah.","start":392.905,"end":393.22498,"sentiment":"neutral","sentiment_score":0.2393641173839569},{"text":"Absolutely.","start":393.22498,"end":393.72498,"sentiment":"positive","sentiment_score":0.4019995629787445},{"text":"I'll have a look at all the high growth portfolios out there.","start":393.78497,"end":396.26498,"sentiment":"neutral","sentiment_score":0.22985734418034554},{"text":"I know last year when we did your risk profile, you had still scored high growth, and you were still happy to keep in that high growth environment.","start":396.26498,"end":403.13998,"sentiment":"neutral","sentiment_score":0.28047429238046917}],"sentiment":"neutral","sentiment_score":0.2652051396841227,"num_words":43,"start":392.425,"end":403.13998},{"sentences":[{"text":"We do have a couple of portfolios which will still give you that high growth asset allocation and good returns can also kind of help to reduce the risk a little bit.","start":403.91998,"end":413.95502,"sentiment":"neutral","sentiment_score":0.3056774800643325},{"text":"So I can have a look at those sorts of options, look at, you know, how we can reduce the risk with the market volatility to still look for good returns and have you invested, diversified in a in a portfolio that's showing good positive results.","start":414.255,"end":426.53,"sentiment":"neutral","sentiment_score":0.17581658081515975},{"text":"You're comfortable with me doing that for you?","start":426.59,"end":428.77,"sentiment":"positive","sentiment_score":0.3832690566778183},{"text":"Yeah.","start":430.19,"end":430.59,"sentiment":"neutral","sentiment_score":0.28459104895591736},{"text":"Beautiful.","start":430.59,"end":431.09,"sentiment":"positive","sentiment_score":0.4838361144065857}],"sentiment":"neutral","sentiment_score":0.2466343374584209,"num_words":88,"start":403.91998,"end":431.09},{"sentences":[{"text":"With the as we kind of spoke about before, we're not able get new new insurance cover.","start":431.71,"end":436.125,"sentiment":"neutral","sentiment_score":-0.02607391807524597},{"text":"So keeping the life and TB that you have within the IND suit is gonna be preferable at the moment mostly because if we do look to apply for any new cover, I mean, we did sort of do a bit a ring around with the pre assessments completed, and it it has sort of come back saying that they weren't willing to offer any cover mostly without any loadings or huge exclusions.","start":436.125,"end":459.74002,"sentiment":"neutral","sentiment_score":-0.002148309339807458},{"text":"So an exclusion is basically stops you from claiming for anything that's preexisting.","start":459.80002,"end":465.365,"sentiment":"neutral","sentiment_score":-0.10360779727880771},{"text":"So it does make it much harder to apply for new cover that way.","start":466.225,"end":469.685,"sentiment":"neutral","sentiment_score":-0.1741191382919039},{"text":"But are you comfortable if we just keep your licensed EPD as it is and try to maybe boost your super a bit more to give you a bit of a buffer in the event of anything occurring?","start":470.225,"end":480.31998,"sentiment":"neutral","sentiment_score":0.20047589587537865}],"sentiment":"neutral","sentiment_score":0.020860848732052312,"num_words":155,"start":431.71,"end":480.31998},{"sentences":[{"text":"Yep.","start":483.02,"end":483.52,"sentiment":"positive","sentiment_score":0.35959920287132263},{"text":"Beautiful.","start":483.58,"end":484.08,"sentiment":"positive","sentiment_score":0.6360692977905273},{"text":"And are you open to maybe making additional contributions to super if it provides a greater benefit long term, or would you prefer not to make additional contributions to super at the moment?","start":484.62,"end":494.815,"sentiment":"neutral","sentiment_score":0.1475397688195561},{"text":"Nope.","start":497.67502,"end":498.155,"sentiment":"neutral","sentiment_score":-0.0607745349407196},{"text":"That's okay.","start":498.155,"end":498.975,"sentiment":"neutral","sentiment_score":0.037914859130978584}],"sentiment":"neutral","sentiment_score":0.15472463302706418,"num_words":38,"start":483.02,"end":498.975},{"sentences":[{"text":"Yeah.","start":502.875,"end":503.375,"sentiment":"neutral","sentiment_score":0.09250924736261368},{"text":"Absolutely.","start":508.26,"end":508.76,"sentiment":"neutral","sentiment_score":0.31933143734931946},{"text":"Yeah.","start":510.18,"end":510.58,"sentiment":"neutral","sentiment_score":0.0638798177242279},{"text":"Definitely.","start":510.58,"end":511.08,"sentiment":"neutral","sentiment_score":0.0522112250328064},{"text":"And you're not working in New Zealand at the moment.","start":511.38,"end":513.62,"sentiment":"neutral","sentiment_score":-0.14812199249863625}],"sentiment":"neutral","sentiment_score":-0.06809201410838536,"num_words":14,"start":502.875,"end":513.62},{"sentences":[{"text":"Is there any plans to work in New Zealand down the track?","start":513.62,"end":516.52,"sentiment":"neutral","sentiment_score":-0.06522632203996181},{"text":"Yep.","start":530.025,"end":530.42505,"sentiment":"neutral","sentiment_score":-0.08370275795459747},{"text":"Okay.","start":530.42505,"end":530.92505,"sentiment":"neutral","sentiment_score":-0.0626889020204544},{"text":"No.","start":534.44,"end":534.94,"sentiment":"neutral","sentiment_score":-0.15359815955162048},{"text":"Definitely keeping it both very separate.","start":535.16003,"end":537.4,"sentiment":"neutral","sentiment_score":-0.1413046047091484}],"sentiment":"neutral","sentiment_score":-0.09193015772671927,"num_words":21,"start":513.62,"end":537.4},{"sentences":[{"text":"Absolutely.","start":537.4,"end":537.9,"sentiment":"neutral","sentiment_score":0.06958353519439697},{"text":"No.","start":538.52,"end":539.02,"sentiment":"neutral","sentiment_score":0.123020201921463},{"text":"Perfect.","start":539.08,"end":539.56,"sentiment":"neutral","sentiment_score":0.3185008764266968},{"text":"Not a problem at all.","start":539.56,"end":540.94,"sentiment":"neutral","sentiment_score":0.2820179402828217},{"text":"And I can see here when we kinda caught up last year, we talked about, obviously, your beneficiaries.","start":541.80005,"end":546.14,"sentiment":"neutral","sentiment_score":0.16295191024740538}],"sentiment":"neutral","sentiment_score":0.18670494997730622,"num_words":26,"start":537.4,"end":546.14},{"sentences":[{"text":"You still want them to be nominated a 100% to to your wife if anything was to happen.","start":547.075,"end":552.995,"sentiment":"neutral","sentiment_score":0.21197496597758597},{"text":"Have you guys since sort of looking set up a will since we caught up, or have you talked about doing a making a will on power of attorney and things like that?","start":552.995,"end":562.4,"sentiment":"neutral","sentiment_score":-0.002719765359705145},{"text":"Sorry.","start":562.4,"end":562.9,"sentiment":"neutral","sentiment_score":-0.15215639770030975},{"text":"I looking at the account, it actually looks like there's no beneficiary applied.","start":572.48004,"end":577.855,"sentiment":"neutral","sentiment_score":-0.11417239904403687},{"text":"So I wanna make sure that we do get one applied to you.","start":577.855,"end":581.235,"sentiment":"neutral","sentiment_score":-0.060701267937055}],"sentiment":"neutral","sentiment_score":0.016670295670150947,"num_words":78,"start":547.075,"end":581.235},{"sentences":[{"text":"I I have a note from the last time we called out that you wanted it to be to your wife, and I'm just double checking.","start":582.095,"end":588.45,"sentiment":"neutral","sentiment_score":0.018427220352280598},{"text":"How do I spell her name just so it is correct?","start":588.45,"end":591.03,"sentiment":"neutral","sentiment_score":0.0045248763635754585},{"text":"Yep.","start":593.41,"end":593.91,"sentiment":"neutral","sentiment_score":0.0020702052861452103},{"text":"Beautiful.","start":596.37,"end":596.87,"sentiment":"positive","sentiment_score":0.3453781008720398},{"text":"This is just the first and last name sufficient.","start":602.33496,"end":604.89496,"sentiment":"neutral","sentiment_score":0.023910473204321332}],"sentiment":"neutral","sentiment_score":0.022740081961577136,"num_words":48,"start":582.095,"end":604.89496},{"sentences":[{"text":"So it's k e sorry.","start":604.89496,"end":607.21497,"sentiment":"neutral","sentiment_score":-0.0024817935191094875},{"text":"You're right.","start":607.21497,"end":607.855,"sentiment":"neutral","sentiment_score":0.005448240786790847},{"text":"You're right.","start":607.855,"end":608.255,"sentiment":"neutral","sentiment_score":0.030649518594145775},{"text":"It's k e r I a n a, just one r?","start":608.255,"end":612.115,"sentiment":"neutral","sentiment_score":0.001577593216841871},{"text":"Yep.","start":613.68,"end":614.18,"sentiment":"neutral","sentiment_score":0.09299924224615096}],"sentiment":"neutral","sentiment_score":0.008101872323701778,"num_words":21,"start":604.89496,"end":614.18},{"sentences":[{"text":"Perfect.","start":614.8,"end":615.28,"sentiment":"positive","sentiment_score":0.3972748517990112},{"text":"Perfect.","start":615.28,"end":615.78,"sentiment":"positive","sentiment_score":0.3766942620277405},{"text":"I have Van Staden, same as yours.","start":618.72003,"end":621.62,"sentiment":"neutral","sentiment_score":0.06211532386285918},{"text":"Beautiful.","start":623.6,"end":624.1,"sentiment":"positive","sentiment_score":0.4680316746234894},{"text":"Excellent.","start":625.84,"end":626.34,"sentiment":"positive","sentiment_score":0.4242962598800659}],"sentiment":"neutral","sentiment_score":0.19100948321548375,"num_words":11,"start":614.8,"end":626.34},{"sentences":[{"text":"Did you if you like, what we can do is we can have that prefilled.","start":627.265,"end":630.565,"sentiment":"neutral","sentiment_score":0.032974963262677195},{"text":"If you're comfortable with us doing so, prefilling the information on the beneficiary, and I can get my admin team to email it to you.","start":630.625,"end":637.505,"sentiment":"neutral","sentiment_score":0.0385543817281723},{"text":"Would that be preferable?","start":637.505,"end":638.565,"sentiment":"neutral","sentiment_score":0.03636172227561474},{"text":"Yep.","start":641.0,"end":641.48,"sentiment":"neutral","sentiment_score":0.1596059799194336},{"text":"Beautiful.","start":641.48,"end":641.98,"sentiment":"positive","sentiment_score":0.34331029653549194}],"sentiment":"neutral","sentiment_score":0.04580102516743152,"num_words":46,"start":627.265,"end":641.98},{"sentences":[{"text":"I'm just logging into the super account now.","start":642.04,"end":645.1,"sentiment":"neutral","sentiment_score":0.06485486263409257},{"text":"I will definitely I'm just logging into Netwealth to double check and have a look.","start":648.44,"end":652.44,"sentiment":"neutral","sentiment_score":0.06432001367211342},{"text":"The the file that I had here said there was nothing applied.","start":652.44,"end":655.18,"sentiment":"neutral","sentiment_score":-0.059446035884320736},{"text":"In Netwealth, it does look like I do have the beneficiary there, but it does have her surname.","start":655.725,"end":660.545,"sentiment":"neutral","sentiment_score":0.03832669832950665},{"text":"I think it would be her old name.","start":661.245,"end":663.185,"sentiment":"neutral","sentiment_score":-0.008808675687760115}],"sentiment":"neutral","sentiment_score":0.022781931802813637,"num_words":61,"start":642.04,"end":663.185},{"sentences":[{"text":"Yeah.","start":663.485,"end":663.985,"sentiment":"neutral","sentiment_score":0.0057689654640853405},{"text":"Yep.","start":667.74,"end":668.06,"sentiment":"neutral","sentiment_score":0.020926475524902344},{"text":"And does she go by the Van Staden surname?","start":668.06,"end":671.68,"sentiment":"neutral","sentiment_score":0.011300301696691249},{"text":"Yes.","start":673.66,"end":674.16,"sentiment":"neutral","sentiment_score":0.04102666676044464},{"text":"Okay.","start":674.78,"end":675.18,"sentiment":"neutral","sentiment_score":0.02696136012673378}],"sentiment":"neutral","sentiment_score":0.015106629472799026,"num_words":13,"start":663.485,"end":675.18},{"sentences":[{"text":"Is her light yeah.","start":675.18,"end":677.42,"sentiment":"neutral","sentiment_score":0.021431684028357267},{"text":"That's okay.","start":677.42,"end":678.06,"sentiment":"neutral","sentiment_score":0.07772989943623543},{"text":"Is her license being changed to reflect that?","start":678.06,"end":680.64,"sentiment":"neutral","sentiment_score":0.023141250829212368},{"text":"Yes.","start":682.635,"end":683.03503,"sentiment":"neutral","sentiment_score":0.14520180225372314},{"text":"Beautiful.","start":683.03503,"end":683.53503,"sentiment":"positive","sentiment_score":0.47520771622657776}],"sentiment":"neutral","sentiment_score":0.06542037875624374,"num_words":16,"start":675.18,"end":683.53503},{"sentences":[{"text":"So it's still really important we update that because while she is noted here as a beneficiary and it's correct, it does essentially mean that if anything was to happen, it can be harder for her to claim that the surname not being up to date.","start":684.075,"end":697.115,"sentiment":"neutral","sentiment_score":0.042572733824667724},{"text":"So I'll get the beneficiary emailed to you.","start":697.115,"end":701.02997,"sentiment":"neutral","sentiment_score":0.15722689405083656},{"text":"I can get my team member to email that either today or tomorrow for you, and I'll make sure we do update it for you.","start":701.33,"end":707.81,"sentiment":"neutral","sentiment_score":0.20522884666919708},{"text":"Can I grab her date of birth off you as well, Casper?","start":707.81,"end":710.63,"sentiment":"neutral","sentiment_score":0.06733054636667173},{"text":"Yep.","start":714.075,"end":714.575,"sentiment":"neutral","sentiment_score":0.008717188611626625}],"sentiment":"neutral","sentiment_score":0.09960397630525024,"num_words":92,"start":684.075,"end":714.575},{"sentences":[{"text":"1985.","start":715.675,"end":716.875,"sentiment":"neutral","sentiment_score":0.03409258648753166},{"text":"Beautiful.","start":716.875,"end":717.375,"sentiment":"positive","sentiment_score":0.4699929356575012},{"text":"And I've got here so we've got a couple of different options for directions.","start":718.795,"end":722.475,"sentiment":"neutral","sentiment_score":0.19326395967176982},{"text":"So beneficiaries, you've got a binding or nothing beneficiary at the moment.","start":722.475,"end":726.575,"sentiment":"neutral","sentiment_score":0.07376828075697024},{"text":"That essentially means that the trustee is forced to follow the direction you've made so long as it's valid.","start":726.77,"end":732.07,"sentiment":"neutral","sentiment_score":0.16371495708038933}],"sentiment":"neutral","sentiment_score":0.1533103087481032,"num_words":47,"start":715.675,"end":732.07},{"sentences":[{"text":"And it means you only have to fill the form out once and never have to fill out again unless you change your beneficiary.","start":732.29,"end":738.07,"sentiment":"neutral","sentiment_score":0.13027801706145206},{"text":"Did you want to keep that binding nonlapsing beneficiary nomination?","start":738.61,"end":742.14496,"sentiment":"neutral","sentiment_score":0.08339345939457417},{"text":"Are you happy for me to tick that box?","start":742.14496,"end":744.005,"sentiment":"neutral","sentiment_score":0.11813237849209043},{"text":"Yep.","start":745.425,"end":745.82495,"sentiment":"neutral","sentiment_score":0.21779809892177585},{"text":"Beautiful.","start":745.82495,"end":746.32495,"sentiment":"positive","sentiment_score":0.5617814660072327}],"sentiment":"neutral","sentiment_score":0.12896395499507587,"num_words":45,"start":732.29,"end":746.32495},{"sentences":[{"text":"Lovely.","start":746.545,"end":747.02496,"sentiment":"positive","sentiment_score":0.530178427696228},{"text":"So what we'll do is I'll get Michelle, my admin, to pre fill those out to you, and she'll email them through to you either today or tomorrow.","start":747.02496,"end":754.565,"sentiment":"neutral","sentiment_score":0.2621618365602834},{"text":"And, yeah, once they come through, if you can just print, sign, get two witnesses to witness the document.","start":755.11005,"end":760.33,"sentiment":"neutral","sentiment_score":0.14805044625934802},{"text":"Your wife can't be a witness.","start":761.03,"end":762.63,"sentiment":"neutral","sentiment_score":-0.036801138892769814},{"text":"If you've got two people at work or your cousin and his partner or someone yep.","start":762.63,"end":767.45,"sentiment":"neutral","sentiment_score":0.004608979361364618}],"sentiment":"neutral","sentiment_score":0.15052293095338556,"num_words":70,"start":746.545,"end":767.45},{"sentences":[{"text":"Perfect.","start":769.04504,"end":769.54504,"sentiment":"neutral","sentiment_score":0.1350100189447403},{"text":"Just get them to witness the document, and then send it back to us, and we can have that updated to reflect for you.","start":769.60504,"end":775.60504,"sentiment":"neutral","sentiment_score":0.3191773220896721},{"text":"So if anything was to happen, it'll be a lot easier for her to sign to to claim.","start":775.60504,"end":780.965,"sentiment":"positive","sentiment_score":0.410971740881602},{"text":"Sorry.","start":780.965,"end":781.445,"sentiment":"neutral","sentiment_score":0.00293000228703022},{"text":"Okay?","start":781.445,"end":781.945,"sentiment":"neutral","sentiment_score":0.007386913523077965}],"sentiment":"positive","sentiment_score":0.3378460889061292,"num_words":45,"start":769.04504,"end":781.945},{"sentences":[{"text":"Yeah.","start":784.02,"end":784.52,"sentiment":"neutral","sentiment_score":0.02593708038330078},{"text":"Yep.","start":795.38,"end":795.86005,"sentiment":"positive","sentiment_score":0.4620631635189056},{"text":"No.","start":795.86005,"end":796.36005,"sentiment":"neutral","sentiment_score":0.28115829825401306},{"text":"Not a problem.","start":797.39496,"end":798.195,"sentiment":"positive","sentiment_score":0.3334725499153137},{"text":"I'll let Michelle know to try and get that done this afternoon for you straight after the call.","start":798.195,"end":802.855,"sentiment":"positive","sentiment_score":0.376334998342726}],"sentiment":"positive","sentiment_score":0.35598359008630115,"num_words":24,"start":784.02,"end":802.855},{"sentences":[{"text":"That way we can get that emailed off to you ASAP.","start":803.315,"end":805.89496,"sentiment":"positive","sentiment_score":0.4780771759423343},{"text":"Not a problem at all, Gus.","start":806.435,"end":807.95496,"sentiment":"neutral","sentiment_score":0.16677172233661017},{"text":"But that's okay.","start":807.95496,"end":809.015,"sentiment":"neutral","sentiment_score":0.2569974958896637},{"text":"If you have any other questions while you have me here with the other any other concerns or questions?","start":809.73,"end":815.03,"sentiment":"neutral","sentiment_score":0.11523393267079403},{"text":"Or yes.","start":815.17,"end":818.15,"sentiment":"neutral","sentiment_score":-0.011150378733873367}],"sentiment":"neutral","sentiment_score":0.2243320907397968,"num_words":41,"start":803.315,"end":818.15},{"sentences":[{"text":"Yeah.","start":820.61,"end":821.11,"sentiment":"neutral","sentiment_score":-0.019891997799277306},{"text":"Right.","start":825.325,"end":825.825,"sentiment":"neutral","sentiment_score":-0.0043089790269732475},{"text":"Yes.","start":827.645,"end":828.145,"sentiment":"neutral","sentiment_score":-0.008549382910132408},{"text":"Yes.","start":846.79004,"end":847.29004,"sentiment":"neutral","sentiment_score":-0.04159919172525406},{"text":"That is a really interesting question.","start":856.045,"end":857.825,"sentiment":"neutral","sentiment_score":-0.145492322742939}],"sentiment":"neutral","sentiment_score":-0.0947303487919271,"num_words":10,"start":820.61,"end":857.825},{"sentences":[{"text":"I'm not a 100% sure, mostly because I'm not sure how the structure or the tax system in New Zealand works.","start":858.365,"end":865.265,"sentiment":"neutral","sentiment_score":-0.17456630085195815},{"text":"But the only way that I would probably think and the way I understand our tax system to work is that if you as an Australian tax resident, we have to pay tax here on both Australian income, but also income earned in other countries.","start":865.325,"end":882.53503,"sentiment":"neutral","sentiment_score":-0.08869885868496365},{"text":"Is the business in New Zealand, is that like a sole trader business, or is it a company?","start":882.675,"end":889.555,"sentiment":"neutral","sentiment_score":-0.06708932109177113},{"text":"Or how is that set up?","start":889.555,"end":891.015,"sentiment":"neutral","sentiment_score":-0.07591843356688817},{"text":"Yeah.","start":903.45,"end":903.85004,"sentiment":"neutral","sentiment_score":-0.007432244718074799}],"sentiment":"neutral","sentiment_score":-0.10250430312621725,"num_words":91,"start":858.365,"end":903.85004},{"sentences":[{"text":"Okay.","start":903.85004,"end":904.35004,"sentiment":"neutral","sentiment_score":0.005752082914113998},{"text":"Yeah.","start":908.17004,"end":908.67004,"sentiment":"neutral","sentiment_score":-0.10584554076194765},{"text":"Yeah.","start":917.655,"end":918.135,"sentiment":"neutral","sentiment_score":-0.14327213168144226},{"text":"Because I yeah.","start":918.135,"end":921.03503,"sentiment":"neutral","sentiment_score":-0.14821360011895499},{"text":"Yeah.","start":931.35,"end":931.75,"sentiment":"neutral","sentiment_score":-0.07007447630167007}],"sentiment":"neutral","sentiment_score":-0.1082972665982587,"num_words":7,"start":903.85004,"end":931.75},{"sentences":[{"text":"Yeah.","start":931.75,"end":932.25,"sentiment":"neutral","sentiment_score":-0.07037175446748734},{"text":"The only thing I could maybe think of that it could be, and I'd probably just double check with your accountant to have them explain sorry.","start":939.97504,"end":947.015,"sentiment":"neutral","sentiment_score":-0.08573602197261956},{"text":"Explain it a bit clearer to you, is, like, I have investments in another country in The US.","start":947.015,"end":952.375,"sentiment":"neutral","sentiment_score":0.01026423741132021},{"text":"So when I do my tax return every year, any income that I've earned or dividends that my investment has paid from The US, I pay tax in The US, but then I also declare it on my tax return here.","start":952.375,"end":965.76,"sentiment":"neutral","sentiment_score":0.05529924209524945},{"text":"So then I pay tax here as well as in The US, but the tax I pay in The US, I claim as a tax deduction.","start":966.44495,"end":973.425,"sentiment":"neutral","sentiment_score":0.0862600700213359}],"sentiment":"neutral","sentiment_score":0.02138641691167972,"num_words":112,"start":931.75,"end":973.425},{"sentences":[{"text":"So it hopefully reduces the amount of tax, but I technically still have to pay tax in both companies.","start":973.485,"end":979.58496,"sentiment":"neutral","sentiment_score":0.029694323673060064},{"text":"And then my accountant claims a tax deduction for the tax I paid overseas.","start":980.19,"end":985.25,"sentiment":"neutral","sentiment_score":0.028846824541687965},{"text":"Does that make sense?","start":985.47003,"end":986.61,"sentiment":"neutral","sentiment_score":0.02810847293585539},{"text":"Yeah.","start":989.39,"end":989.89,"sentiment":"neutral","sentiment_score":0.00285165011882782},{"text":"Mhmm.","start":995.155,"end":995.655,"sentiment":"neutral","sentiment_score":-0.02131793275475502}],"sentiment":"neutral","sentiment_score":0.02723116160203249,"num_words":39,"start":973.485,"end":995.655},{"sentences":[{"text":"Yeah.","start":1004.59503,"end":1005.09503,"sentiment":"neutral","sentiment_score":0.10588221251964568},{"text":"I mean, page can add blocker on account, and so they should be doing it properly, but they should be able to explain that to you and show you when they do your tax summary.","start":1005.155,"end":1014.3,"sentiment":"neutral","sentiment_score":0.19754662939480372},{"text":"They should be able to show you where they're inputting the information and how that all works.","start":1014.68,"end":1018.92,"sentiment":"neutral","sentiment_score":0.23482480316477664},{"text":"So I would probably ask them the question on how that works because I I know how it works for me and the way I invest.","start":1018.92,"end":1024.865,"sentiment":"neutral","sentiment_score":0.3101896202334991},{"text":"And I've I've seen other people who have got business overseas, and I understand how that works for them as well.","start":1024.865,"end":1031.105,"sentiment":"neutral","sentiment_score":0.32372602891354335}],"sentiment":"neutral","sentiment_score":0.2587521262839437,"num_words":100,"start":1004.59503,"end":1031.105},{"sentences":[{"text":"But it kinda comes this comes down to your personal circumstances.","start":1031.105,"end":1034.085,"sentiment":"neutral","sentiment_score":0.060853728516535324},{"text":"But that's probably the only way that I can see that that would be what they're doing for you.","start":1034.3049,"end":1041.79,"sentiment":"neutral","sentiment_score":0.20709177812463359},{"text":"But I would get them to to break that down for you, ask them a question, and, you know, see if they can they should be able to explain they should be able to print the document out and show you where they're inputting the income from both the places and what they're, you know, deducting off and how that works.","start":1042.41,"end":1058.365,"sentiment":"neutral","sentiment_score":0.20423084940211694},{"text":"Yeah.","start":1058.505,"end":1059.005,"sentiment":"neutral","sentiment_score":0.05033499002456665},{"text":"We don't, unfortunately.","start":1063.0651,"end":1064.125,"sentiment":"neutral","sentiment_score":-0.03871598280966282}],"sentiment":"neutral","sentiment_score":0.17890951213868042,"num_words":95,"start":1031.105,"end":1064.125},{"sentences":[{"text":"We do have tax accountants that we work with.","start":1064.265,"end":1066.44,"sentiment":"neutral","sentiment_score":0.055721205141809255},{"text":"So if you like, we can send you some referral information on a couple of accountants if you wanted to maybe have that email across.","start":1066.44,"end":1073.9,"sentiment":"neutral","sentiment_score":0.08553820610046386},{"text":"Yeah.","start":1079.175,"end":1079.495,"sentiment":"neutral","sentiment_score":0.039330754429101944},{"text":"No.","start":1079.495,"end":1079.735,"sentiment":"neutral","sentiment_score":-0.022579891607165337},{"text":"Not a problem at all.","start":1079.735,"end":1081.035,"sentiment":"neutral","sentiment_score":-0.05033681504428387}],"sentiment":"neutral","sentiment_score":0.058658848448497496,"num_words":41,"start":1064.265,"end":1081.035},{"sentences":[{"text":"In Brisbane.","start":1083.415,"end":1084.155,"sentiment":"neutral","sentiment_score":0.01436758041381836},{"text":"I'll see what I can find for you.","start":1084.295,"end":1086.475,"sentiment":"neutral","sentiment_score":0.10601684171706438},{"text":"I'll have a look.","start":1086.775,"end":1087.655,"sentiment":"neutral","sentiment_score":0.08280778210610151},{"text":"We do have a couple of accounts, and we just send you the email with their details, and then you're welcome to have a look at their website and and contact them if you want them to have a look at it.","start":1087.655,"end":1096.61,"sentiment":"neutral","sentiment_score":0.19150377348774955},{"text":"But some of these accountants, even if they are on the Gold Coast or not quite in Brisbane, they might be able to do everything over the phone and email for you.","start":1096.99,"end":1104.845,"sentiment":"neutral","sentiment_score":0.18679314339533448}],"sentiment":"neutral","sentiment_score":0.17305272838778116,"num_words":88,"start":1083.415,"end":1104.845},{"sentences":[{"text":"And if they're a little bit better than the HNI block, they might be also able to explain everything in a bit more detail to you as well.","start":1104.845,"end":1111.8251,"sentiment":"neutral","sentiment_score":0.2905659201954092},{"text":"Yeah.","start":1111.965,"end":1112.465,"sentiment":"neutral","sentiment_score":0.19595590233802795},{"text":"That's okay.","start":1113.74,"end":1114.4601,"sentiment":"neutral","sentiment_score":0.21996557444799691},{"text":"I'll get Michelle to add some of that information there on one of the accounting firms that we deal with for you as part of that email with your beneficiaries if you like.","start":1114.4601,"end":1123.8401,"sentiment":"neutral","sentiment_score":0.07049847303917914},{"text":"Oh, fantastic.","start":1127.0249,"end":1127.845,"sentiment":"positive","sentiment_score":0.7208543717861176}],"sentiment":"neutral","sentiment_score":0.18999835106925192,"num_words":66,"start":1104.845,"end":1127.845},{"sentences":[{"text":"All good.","start":1128.1449,"end":1128.8849,"sentiment":"positive","sentiment_score":0.6177199184894562},{"text":"Well, what I'll do after the call is I'll go back and just complete some updated research for you.","start":1128.945,"end":1133.5049,"sentiment":"neutral","sentiment_score":0.1873459031707362},{"text":"I'll look at your portfolio, look at updating everything.","start":1133.5049,"end":1136.1649,"sentiment":"neutral","sentiment_score":0.15028936995400322},{"text":"We'll provide a new updated advice document for you.","start":1136.705,"end":1139.9249,"sentiment":"neutral","sentiment_score":0.20265122254689535},{"text":"Just having a quick look.","start":1140.56,"end":1141.84,"sentiment":"neutral","sentiment_score":0.1441056624054909}],"sentiment":"neutral","sentiment_score":0.19754558276723733,"num_words":44,"start":1128.1449,"end":1141.84},{"sentences":[{"text":"Did you want me to make some time now to book you back in for in a couple of weeks to have that advice document presented, or did you want me to give you a call once it's ready yet?","start":1141.84,"end":1151.78,"sentiment":"neutral","sentiment_score":0.09109347341582179},{"text":"Perfect.","start":1153.245,"end":1153.725,"sentiment":"positive","sentiment_score":0.4818792343139648},{"text":"Now you work two weeks on, don't you?","start":1153.725,"end":1156.785,"sentiment":"neutral","sentiment_score":0.10203934367746115},{"text":"That's okay.","start":1159.245,"end":1160.0651,"sentiment":"neutral","sentiment_score":0.13340745121240616},{"text":"So you're flying back into Brisbane now or to last night.","start":1160.365,"end":1164.445,"sentiment":"neutral","sentiment_score":0.07662865959785202}],"sentiment":"neutral","sentiment_score":0.09760746900593081,"num_words":62,"start":1141.84,"end":1164.445},{"sentences":[{"text":"Is that right?","start":1164.445,"end":1165.345,"sentiment":"neutral","sentiment_score":0.06974295775095622},{"text":"Yep.","start":1166.79,"end":1167.29,"sentiment":"neutral","sentiment_score":0.054059773683547974},{"text":"That okay.","start":1168.43,"end":1170.9701,"sentiment":"neutral","sentiment_score":0.055326471105217934},{"text":"So does that mean you'll be flying back on the June 2?","start":1171.1901,"end":1174.49,"sentiment":"neutral","sentiment_score":0.03716952788333098},{"text":"That's okay.","start":1179.4349,"end":1180.235,"sentiment":"neutral","sentiment_score":0.08620063215494156}],"sentiment":"neutral","sentiment_score":0.04961885940283537,"num_words":20,"start":1164.445,"end":1180.235},{"sentences":[{"text":"You're fine.","start":1180.235,"end":1180.975,"sentiment":"neutral","sentiment_score":0.11229948699474335},{"text":"Okay.","start":1188.475,"end":1188.975,"sentiment":"neutral","sentiment_score":0.03706816956400871},{"text":"Yep.","start":1196.13,"end":1196.63,"sentiment":"neutral","sentiment_score":0.07966679334640503},{"text":"Yep.","start":1205.09,"end":1205.59,"sentiment":"neutral","sentiment_score":0.05530241131782532},{"text":"Yep.","start":1206.165,"end":1206.5651,"sentiment":"neutral","sentiment_score":0.06491686403751373}],"sentiment":"neutral","sentiment_score":0.07692553537587325,"num_words":6,"start":1180.235,"end":1206.5651},{"sentences":[{"text":"That's fine.","start":1206.5651,"end":1207.4651,"sentiment":"neutral","sentiment_score":0.09981641545891762},{"text":"Did you want me just to book in if you're flying out the June 2, did you want me to book in a time oh, sorry.","start":1208.0851,"end":1214.265,"sentiment":"neutral","sentiment_score":0.0027008385469134036},{"text":"The third.","start":1214.885,"end":1215.625,"sentiment":"neutral","sentiment_score":0.013717494904994965},{"text":"Not a problem.","start":1216.805,"end":1217.685,"sentiment":"neutral","sentiment_score":0.09719529499610265},{"text":"Are you working on the second, the Tuesday the second at all?","start":1217.685,"end":1221.0651,"sentiment":"neutral","sentiment_score":0.044121437395612396}],"sentiment":"neutral","sentiment_score":0.02485183903740512,"num_words":45,"start":1206.5651,"end":1221.0651},{"sentences":[{"text":"Yep.","start":1223.03,"end":1223.35,"sentiment":"neutral","sentiment_score":0.03647640347480774},{"text":"Did okay.","start":1223.35,"end":1225.85,"sentiment":"neutral","sentiment_score":0.04247695580124855},{"text":"All good.","start":1227.51,"end":1228.25,"sentiment":"positive","sentiment_score":0.4637043625116348},{"text":"Yeah.","start":1235.305,"end":1235.7051,"sentiment":"neutral","sentiment_score":0.21862150728702545},{"text":"Absolutely.","start":1235.7051,"end":1236.2051,"sentiment":"neutral","sentiment_score":0.23328189551830292}],"sentiment":"neutral","sentiment_score":0.21439177755798614,"num_words":7,"start":1223.03,"end":1236.2051},{"sentences":[{"text":"So what time WA time suits you for a phone call just to go through the updated advice document?","start":1236.8251,"end":1242.125,"sentiment":"neutral","sentiment_score":0.08142275890139372},{"text":"Yeah.","start":1244.665,"end":1244.985,"sentiment":"neutral","sentiment_score":0.0018067867495119572},{"text":"You are.","start":1244.985,"end":1245.805,"sentiment":"neutral","sentiment_score":0.0017361154314130545},{"text":"Look.","start":1247.5701,"end":1247.81,"sentiment":"neutral","sentiment_score":0.020930495113134384},{"text":"Honestly, I will work early or late or whatever time suits you.","start":1247.81,"end":1252.6901,"sentiment":"neutral","sentiment_score":0.06363225976626079}],"sentiment":"neutral","sentiment_score":0.06676654425848808,"num_words":35,"start":1236.8251,"end":1252.6901},{"sentences":[{"text":"I'll make it work on this end for you.","start":1252.6901,"end":1254.87,"sentiment":"neutral","sentiment_score":0.1474979900651508},{"text":"Did you want because I believe so seven 08:00 your time is about 10:00 my time.","start":1255.09,"end":1262.0701,"sentiment":"neutral","sentiment_score":0.018942594237159938},{"text":"Yeah.","start":1266.095,"end":1266.5751,"sentiment":"neutral","sentiment_score":0.06815879046916962},{"text":"Absolutely.","start":1266.5751,"end":1267.0751,"sentiment":"neutral","sentiment_score":0.10598841309547424},{"text":"So 7AM WA time is eight.","start":1267.535,"end":1269.6951,"sentiment":"neutral","sentiment_score":0.05813266895711422}],"sentiment":"neutral","sentiment_score":0.06525777683903773,"num_words":33,"start":1252.6901,"end":1269.6951},{"sentences":[{"text":"It's 09:00 my time on Tuesday, the second of June.","start":1269.6951,"end":1274.275,"sentiment":"neutral","sentiment_score":0.036565599218010905},{"text":"Yeah.","start":1274.335,"end":1274.5751,"sentiment":"neutral","sentiment_score":0.07609163969755173},{"text":"No.","start":1274.5751,"end":1274.8151,"sentiment":"neutral","sentiment_score":0.13836243748664856},{"text":"Not a problem at all.","start":1274.8151,"end":1275.855,"sentiment":"neutral","sentiment_score":0.23016495406627654},{"text":"I'll make that work for you.","start":1275.855,"end":1277.215,"sentiment":"neutral","sentiment_score":0.27572818100452423}],"sentiment":"neutral","sentiment_score":0.14718712720534075,"num_words":23,"start":1269.6951,"end":1277.215},{"sentences":[{"text":"Absolutely.","start":1277.215,"end":1277.715,"sentiment":"positive","sentiment_score":0.4222244620323181},{"text":"That's okay.","start":1280.23,"end":1281.03,"sentiment":"positive","sentiment_score":0.4303244650363922},{"text":"So I'll go back and review your portfolio.","start":1281.03,"end":1283.05,"sentiment":"neutral","sentiment_score":0.23754938505589962},{"text":"I'll do up an advice document.","start":1283.19,"end":1284.8099,"sentiment":"neutral","sentiment_score":0.16892038037379584},{"text":"We'll definitely have to retain the I n g, but we'll do what we can to make it work, and we'll do another advice document, look at your investments, how everything is, and I'll let you know what we recommend.","start":1285.51,"end":1296.515,"sentiment":"neutral","sentiment_score":0.28907751850783825}],"sentiment":"neutral","sentiment_score":0.27648932447558955,"num_words":57,"start":1277.215,"end":1296.515},{"sentences":[{"text":"We can go through that together.","start":1296.6549,"end":1298.195,"sentiment":"neutral","sentiment_score":0.2495445360740026},{"text":"I'll send it to you when I give you the phone call so you can see what I've recommended, how it works for you, the advantages, and then you're welcome to take it and read it before you sign it.","start":1298.255,"end":1307.5349,"sentiment":"neutral","sentiment_score":0.26672188825905324},{"text":"So if you go back to New Zealand and wanna, you know, read it while you're there, that's fine.","start":1307.5349,"end":1312.0701,"sentiment":"neutral","sentiment_score":0.22883788849178113},{"text":"And then you get to decide whether you take on the advice at all.","start":1312.13,"end":1315.25,"sentiment":"neutral","sentiment_score":0.13182342797517776},{"text":"Does that sound okay?","start":1315.25,"end":1316.4701,"sentiment":"neutral","sentiment_score":0.18756244331598282}],"sentiment":"neutral","sentiment_score":0.23023904088031816,"num_words":83,"start":1296.6549,"end":1316.4701},{"sentences":[{"text":"Yep.","start":1318.77,"end":1319.17,"sentiment":"positive","sentiment_score":0.43004435300827026},{"text":"Fantastic.","start":1319.17,"end":1319.67,"sentiment":"positive","sentiment_score":0.6208500862121582},{"text":"Not a problem.","start":1319.89,"end":1320.6901,"sentiment":"positive","sentiment_score":0.40282904108365375},{"text":"And I'll make sure we get those beneficiary nominations out to you this afternoon.","start":1320.6901,"end":1324.55,"sentiment":"positive","sentiment_score":0.4048893579414913},{"text":"And I'll also just let Michelle know to add the details for our local account there as well.","start":1325.1349,"end":1330.2549,"sentiment":"neutral","sentiment_score":0.2856148241294755}],"sentiment":"positive","sentiment_score":0.35321349751304937,"num_words":37,"start":1318.77,"end":1330.2549},{"sentences":[{"text":"Okay?","start":1330.2549,"end":1330.7549,"sentiment":"neutral","sentiment_score":0.14084121584892273},{"text":"Oh, not a problem at all, Casper.","start":1332.975,"end":1334.735,"sentiment":"positive","sentiment_score":0.5519435490880694},{"text":"I hope you have a good week.","start":1334.735,"end":1336.595,"sentiment":"positive","sentiment_score":0.6870004619870868},{"text":"I'll talk to you soon.","start":1338.5901,"end":1339.7101,"sentiment":"positive","sentiment_score":0.3402063846588135},{"text":"If there's anything else you need, please don't ever hesitate to give me a buzz.","start":1339.7101,"end":1343.15,"sentiment":"neutral","sentiment_score":0.17545974999666214}],"sentiment":"positive","sentiment_score":0.37561078476054327,"num_words":35,"start":1330.2549,"end":1343.15},{"sentences":[{"text":"Okay?","start":1343.15,"end":1343.65,"sentiment":"neutral","sentiment_score":0.17062193155288696},{"text":"No worries.","start":1345.9501,"end":1346.5901,"sentiment":"neutral","sentiment_score":0.3201884329319},{"text":"Talk to you soon.","start":1346.5901,"end":1347.47,"sentiment":"positive","sentiment_score":0.38223619759082794},{"text":"Thank you.","start":1347.47,"end":1348.2101,"sentiment":"positive","sentiment_score":0.6564274728298187},{"text":"See you later.","start":1349.87,"end":1350.5901,"sentiment":"neutral","sentiment_score":0.2683715919653575}],"sentiment":"positive","sentiment_score":0.37149277577797574,"num_words":12,"start":1343.15,"end":1350.5901},{"sentences":[{"text":"Bye.","start":1350.5901,"end":1351.08,"sentiment":"neutral","sentiment_score":-0.1296970695257187}],"sentiment":"neutral","sentiment_score":-0.1296970695257187,"num_words":1,"start":1350.5901,"end":1351.08}]}}]},{"alternatives":[{"transcript":"Good. And yourself? Good. Well, actually, I'm glad you called. So we're actually still gonna be based in Australia. So that one is so it's not gonna be just gonna be flying in and out to New Zealand every two weeks, but we're gonna keep everything the same. Yeah. Yeah. Well, we actually so everything is the same. We're just winding up on Brisbane now. Yeah. Yeah. Yeah. Yes. Yes. Yep. Yep. Yeah. Yeah. It's all good. It's Gaspar and Ingrid Gonna Star on the 05/22/1977, and you're still at 9th In The Carter Street, Alkamos, W I 6038 only. We haven't changed the address yet. There's something we have to do in the next couple of days. We just finished. We just flew in last night. So, yeah, today is the rest day. Yeah. Yeah. Well, I can actually well, I can I can give you the address? I just haven't changed it on my license and stuff. If that's if it doesn't make a difference, that's fine. Yeah. Alright. I'm just putting it in speaker so I can just find it. It is actually my cousin's we're using my cousin's address when we're in Australia to stay. Let me just go on this. I know it's 30 4 Nursery Road, and that is in Richlands. Obviously, but Richlands. Richland. Obviously, Brisbane, Queensland, and I'm just trying to get the postcode is 4077. Yeah. Yeah. Because I don't know. Do you send mail overseas or do you prefer to keep it Australia? Yeah. Yeah. Yeah. Okay. Yeah. That's fine. That's fine. Thank you. Yeah. That's fine. No. No. No. No. No. It was nothing like that. It was it was just I was doing some bank things, and I had to provide my my balance on my super fund. And that's why I called here because I tried to log on to Metro upon that day, and for some reason, they they I couldn't log in. So I went off. I needed it straight away, so that's why I thought I'll I'll know somebody who's might be able to assist me, so that's why I thought. Yeah. Yes. Yeah. Whatever whatever. Like I said, high risk gives us the most money I'm I'm happy with, especially with things with fuel and everything, the living cost with everything that's going on in the world. So yeah. Yes. Okay. Yeah. Yes, please. Yeah. Yep. Yep. Yeah. Yeah. I might be with that. Thank you. Not currently. No. Just because we got a lot of infrastructure and stuff going back on back in New Zealand. So whatever seems I can save on this side, they help me. And that's why I just established over there. It's, you know, more beneficial to me. It won't be anything soon. But whatever we might be is going back in the business back there, so there's no financial benefit for me bringing any money back to New Zealand to affect anything I'm doing here. So no. Yeah. We we keep we keep talking about it. We never get it. But can I just check that the beneficiary do you have Keriana coffee or Keriana when starting on file? Yes. Yep. H k e r I a n a. And do you need a middle name? Do you need a full name or is just the first name and the last name sufficient? And the yep. Sorry. Yes. Kiriana. And and what last name do you have on the yeah. That's correct. Yeah. But control repairs. Yeah. Yeah. That's fine. Yeah. Do you need anything else? Do you need a date of birth or anything like that? Or Different. Yeah. Yeah. That will be Kawhiah, k a w h I h. Yes. She does now. Yeah. For instance, we married. Yeah. Yes. It is. Yes. Okay. Yes, please. It's the 09/23/2019 '85. Yep. Yes, please. Yeah. Yeah. Yeah. Yeah. Yes. I do. Yeah. If I know it's a bit late in the afternoon over here. If you can get it done to me this afternoon or early tomorrow morning because I gotta go to Officeworks and do some other paperwork since we haven't set up print and stuff over here yet. That will be appreciated. Thank you. Thank you. Yes. I do. It's not direct reflecting to me because the the business background, the ABN is registered in my wife's name. When it comes to tax time, we pay additional tax. Can you explain to me how does that work? I know you I don't know if that's the right question to ask you, but I'm a bit confused because the way H and R Block explained it to us largely is this. There is a tax difference. So we make up in Australia for the tax in New Zealand even though none of that money comes to us in Australia? What how does that work? Okay. Yeah. Mhmm. It's a firewood business. I wouldn't actually know it's a sole trader or how should set up in that regard. However, I mean, we pay full tax on everything there, you know. And we and we pay full tax on what we earn over here. So I don't know. So that's why I'm sort of miss you know, I do not understand it correctly or not explained correctly that whatever it takes then, then we pay something up and it's like, well, why are we paying tax for something that is taxed over there? And none of that proceeds is actually coming to us in Australia or to our bank account. And so the the government is getting extra money for nothing. That makes a bit more sense. So so in your opinion, we're better off going to a tax a a tax agent or tax agent agent compared to, you know, H and R Block, which is somebody who knows how to do tax. So they could okay. Yeah. Yeah. Alright. You guys tend to text Steve? Yeah. Somebody in Queensland, we can physically go and see that. We appreciate it. On Brisbane. I mean, not in Queensland, Brisbane specifically. Yeah. Yeah. Yes. Yeah. Yeah. Pleasure. Thank you. Yeah. No. It's fine. I appreciate it. Thanks. Yep. Yeah. That'll be good. Yeah. That'll be good. Yeah. One week off. Yeah. Yeah. So we fly on Wednesday. Two weeks Wednesday. Yeah. Let me just have to speak to speaker just so I can have a look. Now, normally, when we fly in, we normally fly out to New Zealand that evening. But oh, Wednesday. Yeah. That'll be the second. So if if I'm a New Zealand, I'll make I'll just probably send you a courtesy email. And if you can't call me, we can still arrange the time, and I'll just call you from New Zealand. No. We're flying out of third. We're flying out of third. It's Wednesday to Wednesday. Yeah. Yes. I am. I'll be on night shift, WA time. So I'm but I'm happy to accept the phone call if it can be early as the earliest you can, WA time. Well, what's that? Two weeks there is different. So what what time do you guys open up? 07:00 will be preferable if it's possible. Yep. Yeah. Got it. Thank you. Appreciate that. Yes. Yeah. That sounds good. Thank you. Alright. Thank you so much. I appreciate it. Thank you. You too. I will do. Thank you so much. See you. 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And yourself? Good. Well, actually, I'm glad you called. So we're actually still gonna be based in Australia.\n\nSo that one is so it's not gonna be just gonna be flying in and out to New Zealand every two weeks, but we're gonna keep everything the same. Yeah. Yeah. Well, we actually so everything is the same. We're just winding up on Brisbane now.\n\nYeah. Yeah. Yeah. Yes. Yes.\n\nYep. Yep. Yeah. Yeah. It's all good.\n\nIt's Gaspar and Ingrid Gonna Star on the 05/22/1977, and you're still at 9th In The Carter Street, Alkamos, W I 6038 only. We haven't changed the address yet. There's something we have to do in the next couple of days. We just finished. We just flew in last night.\n\nSo, yeah, today is the rest day. Yeah. Yeah. Well, I can actually well, I can I can give you the address? I just haven't changed it on my license and stuff.\n\nIf that's if it doesn't make a difference, that's fine. Yeah. Alright. I'm just putting it in speaker so I can just find it. It is actually my cousin's we're using my cousin's address when we're in Australia to stay.\n\nLet me just go on this. I know it's 30 4 Nursery Road, and that is in Richlands. Obviously, but Richlands. Richland. Obviously, Brisbane, Queensland, and I'm just trying to get the postcode is 4077.\n\nYeah. Yeah. Because I don't know. Do you send mail overseas or do you prefer to keep it Australia? Yeah.\n\nYeah. Yeah. Okay. Yeah. That's fine.\n\nThat's fine. Thank you. Yeah. That's fine. No.\n\nNo. No. No. No. It was nothing like that.\n\nIt was it was just I was doing some bank things, and I had to provide my my balance on my super fund. And that's why I called here because I tried to log on to Metro upon that day, and for some reason, they they I couldn't log in. So I went off. I needed it straight away, so that's why I thought I'll I'll know somebody who's might be able to assist me, so that's why I thought. Yeah.\n\nYes. Yeah. Whatever whatever. Like I said, high risk gives us the most money I'm I'm happy with, especially with things with fuel and everything, the living cost with everything that's going on in the world. So yeah.\n\nYes. Okay. Yeah. Yes, please. Yeah.\n\nYep. Yep. Yeah. Yeah. I might be with that.\n\nThank you. Not currently. No. Just because we got a lot of infrastructure and stuff going back on back in New Zealand. So whatever seems I can save on this side, they help me.\n\nAnd that's why I just established over there. It's, you know, more beneficial to me. It won't be anything soon. But whatever we might be is going back in the business back there, so there's no financial benefit for me bringing any money back to New Zealand to affect anything I'm doing here. So no.\n\nYeah. We we keep we keep talking about it. We never get it. But can I just check that the beneficiary do you have Keriana coffee or Keriana when starting on file? Yes.\n\nYep. H k e r I a n a. And do you need a middle name? Do you need a full name or is just the first name and the last name sufficient? And the yep.\n\nSorry. Yes. Kiriana. And and what last name do you have on the yeah. That's correct.\n\nYeah. But control repairs. Yeah. Yeah. That's fine.\n\nYeah. Do you need anything else? Do you need a date of birth or anything like that? Or Different. Yeah.\n\nYeah. That will be Kawhiah, k a w h I h. Yes. She does now. Yeah.\n\nFor instance, we married. Yeah. Yes. It is. Yes.\n\nOkay. Yes, please. It's the 09/23/2019 '85. Yep. Yes, please.\n\nYeah. Yeah. Yeah. Yeah. Yes.\n\nI do. Yeah. If I know it's a bit late in the afternoon over here. If you can get it done to me this afternoon or early tomorrow morning because I gotta go to Officeworks and do some other paperwork since we haven't set up print and stuff over here yet. That will be appreciated.\n\nThank you. Thank you. Yes. I do. It's not direct reflecting to me because the the business background, the ABN is registered in my wife's name.\n\nWhen it comes to tax time, we pay additional tax. Can you explain to me how does that work? I know you I don't know if that's the right question to ask you, but I'm a bit confused because the way H and R Block explained it to us largely is this. There is a tax difference. So we make up in Australia for the tax in New Zealand even though none of that money comes to us in Australia?\n\nWhat how does that work? Okay. Yeah. Mhmm. It's a firewood business.\n\nI wouldn't actually know it's a sole trader or how should set up in that regard. However, I mean, we pay full tax on everything there, you know. And we and we pay full tax on what we earn over here. So I don't know. So that's why I'm sort of miss you know, I do not understand it correctly or not explained correctly that whatever it takes then, then we pay something up and it's like, well, why are we paying tax for something that is taxed over there?\n\nAnd none of that proceeds is actually coming to us in Australia or to our bank account. And so the the government is getting extra money for nothing. That makes a bit more sense. So so in your opinion, we're better off going to a tax a a tax agent or tax agent agent compared to, you know, H and R Block, which is somebody who knows how to do tax. So they could okay.\n\nYeah. Yeah. Alright. You guys tend to text Steve? Yeah.\n\nSomebody in Queensland, we can physically go and see that. We appreciate it. On Brisbane. I mean, not in Queensland, Brisbane specifically. Yeah.\n\nYeah. Yes. Yeah. Yeah. Pleasure.\n\nThank you. Yeah. No. It's fine. I appreciate it.\n\nThanks. Yep. Yeah. That'll be good. Yeah.\n\nThat'll be good. Yeah. One week off. Yeah. Yeah.\n\nSo we fly on Wednesday. Two weeks Wednesday. Yeah. Let me just have to speak to speaker just so I can have a look. Now, normally, when we fly in, we normally fly out to New Zealand that evening.\n\nBut oh, Wednesday. Yeah. That'll be the second. So if if I'm a New Zealand, I'll make I'll just probably send you a courtesy email. And if you can't call me, we can still arrange the time, and I'll just call you from New Zealand.\n\nNo. We're flying out of third. We're flying out of third. It's Wednesday to Wednesday. Yeah.\n\nYes. I am. I'll be on night shift, WA time. So I'm but I'm happy to accept the phone call if it can be early as the earliest you can, WA time. Well, what's that?\n\nTwo weeks there is different. So what what time do you guys open up? 07:00 will be preferable if it's possible. Yep. Yeah.\n\nGot it. Thank you. Appreciate that. Yes. Yeah.\n\nThat sounds good. Thank you. Alright. Thank you so much. I appreciate it.\n\nThank you. You too. I will do. Thank you so much. See you.\n\nBye bye.","paragraphs":[{"sentences":[{"text":"Good.","start":6.3999996,"end":6.64,"sentiment":"positive","sentiment_score":0.4409550726413727},{"text":"And yourself?","start":6.64,"end":7.2999997,"sentiment":"neutral","sentiment_score":0.2889254093170166},{"text":"Good.","start":13.005,"end":13.245,"sentiment":"positive","sentiment_score":0.4113277196884155},{"text":"Well, actually, I'm glad you called.","start":13.245,"end":16.205,"sentiment":"positive","sentiment_score":0.4886465867360433},{"text":"So we're actually still gonna be based in Australia.","start":16.205,"end":19.905,"sentiment":"neutral","sentiment_score":0.208181983894772}],"sentiment":"neutral","sentiment_score":0.32819215718068573,"num_words":19,"start":6.3999996,"end":19.905},{"sentences":[{"text":"So that one is so it's not gonna be just gonna be flying in and out to New Zealand every two weeks, but we're gonna keep everything the 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stuff.","start":138.14,"end":140.54001,"sentiment":"neutral","sentiment_score":-0.05326218232512474}],"sentiment":"neutral","sentiment_score":0.050096571270842105,"num_words":32,"start":118.07,"end":140.54001},{"sentences":[{"text":"If that's if it doesn't make a difference, that's fine.","start":140.54001,"end":143.20001,"sentiment":"neutral","sentiment_score":-0.025303522776812314},{"text":"Yeah.","start":149.495,"end":149.995,"sentiment":"neutral","sentiment_score":0.01934250257909298},{"text":"Alright.","start":152.375,"end":152.855,"sentiment":"neutral","sentiment_score":0.019876446574926376},{"text":"I'm just putting it in speaker so I can just find it.","start":152.855,"end":156.075,"sentiment":"neutral","sentiment_score":0.03361441691716512},{"text":"It is actually my cousin's we're using my cousin's address when we're in Australia to stay.","start":156.215,"end":163.55,"sentiment":"neutral","sentiment_score":0.029073504614643753}],"sentiment":"neutral","sentiment_score":0.016368319955654444,"num_words":40,"start":140.54001,"end":163.55},{"sentences":[{"text":"Let me just go on this.","start":164.81001,"end":166.19,"sentiment":"neutral","sentiment_score":0.0776728813846906},{"text":"I know it's 30 4 Nursery Road, and that is in Richlands.","start":166.41,"end":172.91,"sentiment":"neutral","sentiment_score":0.026013097104926903},{"text":"Obviously, but Richlands.","start":174.57,"end":176.91,"sentiment":"neutral","sentiment_score":-0.0005029455448190371},{"text":"Richland.","start":178.36499,"end":178.86499,"sentiment":"neutral","sentiment_score":0.017832506448030472},{"text":"Obviously, Brisbane, Queensland, and I'm just trying to get the postcode is 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correct.","start":622.14496,"end":622.865,"sentiment":"neutral","sentiment_score":0.08084337040781975}],"sentiment":"neutral","sentiment_score":0.05747154401615262,"num_words":16,"start":607.01,"end":622.865},{"sentences":[{"text":"Yeah.","start":622.865,"end":623.1,"sentiment":"neutral","sentiment_score":0.10739770531654358},{"text":"But control repairs.","start":623.1,"end":629.9825,"sentiment":"neutral","sentiment_score":0.14005190879106522},{"text":"Yeah.","start":632.6737,"end":633.1737,"sentiment":"neutral","sentiment_score":0.03322574123740196},{"text":"Yeah.","start":639.46497,"end":639.705,"sentiment":"neutral","sentiment_score":0.07202008366584778},{"text":"That's 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Different.","start":647.625,"end":662.06995,"sentiment":"neutral","sentiment_score":0.008238282985985279},{"text":"Yeah.","start":662.12994,"end":662.505,"sentiment":"neutral","sentiment_score":-0.012723270803689957}],"sentiment":"neutral","sentiment_score":0.018922194186598063,"num_words":20,"start":640.425,"end":662.505},{"sentences":[{"text":"Yeah.","start":663.465,"end":663.965,"sentiment":"neutral","sentiment_score":-0.0004628486931324005},{"text":"That will be Kawhiah, k a w h I h.","start":664.34503,"end":667.565,"sentiment":"neutral","sentiment_score":0.014657183829694987},{"text":"Yes.","start":672.34503,"end":672.84503,"sentiment":"neutral","sentiment_score":0.03676646575331688},{"text":"She does 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is.","start":681.84,"end":682.58,"sentiment":"neutral","sentiment_score":0.07719488069415092},{"text":"Yes.","start":696.975,"end":697.475,"sentiment":"neutral","sentiment_score":0.11471941322088242}],"sentiment":"neutral","sentiment_score":0.049713965608841844,"num_words":9,"start":674.825,"end":697.475},{"sentences":[{"text":"Okay.","start":697.695,"end":698.195,"sentiment":"neutral","sentiment_score":0.13130182027816772},{"text":"Yes, please.","start":701.375,"end":702.42,"sentiment":"neutral","sentiment_score":0.22703862935304642},{"text":"It's the 09/23/2019 '85.","start":710.16003,"end":714.885,"sentiment":"neutral","sentiment_score":0.009473102865740657},{"text":"Yep.","start":738.98004,"end":739.245,"sentiment":"neutral","sentiment_score":0.07251116633415222},{"text":"Yes, please.","start":744.045,"end":745.025,"sentiment":"neutral","sentiment_score":0.14176884293556213}],"sentiment":"neutral","sentiment_score":0.09793203426524996,"num_words":10,"start":697.695,"end":745.025},{"sentences":[{"text":"Yeah.","start":761.42,"end":761.92,"sentiment":"neutral","sentiment_score":-0.021343093365430832},{"text":"Yeah.","start":764.62,"end":765.12,"sentiment":"neutral","sentiment_score":0.020090898498892784},{"text":"Yeah.","start":765.58,"end":766.005,"sentiment":"neutral","sentiment_score":0.008960975334048271},{"text":"Yeah.","start":766.165,"end":766.405,"sentiment":"neutral","sentiment_score":0.013949230313301086},{"text":"Yes.","start":766.405,"end":766.905,"sentiment":"neutral","sentiment_score":0.036181606352329254}],"sentiment":"neutral","sentiment_score":0.011567923426628112,"num_words":5,"start":761.42,"end":766.905},{"sentences":[{"text":"I do.","start":767.765,"end":768.34503,"sentiment":"neutral","sentiment_score":0.12385755032300949},{"text":"Yeah.","start":782.10004,"end":782.60004,"sentiment":"neutral","sentiment_score":0.0056524816900491714},{"text":"If I know it's a bit late in the afternoon over here.","start":782.74,"end":785.54004,"sentiment":"neutral","sentiment_score":-0.0052974652498960495},{"text":"If you can get it done to me this afternoon or early tomorrow morning because I gotta go to Officeworks and do some other paperwork since we haven't set up print and stuff over here yet.","start":785.54004,"end":794.965,"sentiment":"neutral","sentiment_score":0.09050546441641119},{"text":"That will be appreciated.","start":795.185,"end":796.325,"sentiment":"positive","sentiment_score":0.48652106523513794}],"sentiment":"neutral","sentiment_score":0.09807416325943037,"num_words":55,"start":767.765,"end":796.325},{"sentences":[{"text":"Thank you.","start":803.185,"end":803.925,"sentiment":"positive","sentiment_score":0.5679379105567932},{"text":"Thank you.","start":806.625,"end":807.3,"sentiment":"neutral","sentiment_score":0.2241753712296486},{"text":"Yes.","start":814.82,"end":815.32,"sentiment":"neutral","sentiment_score":0.04387899115681648},{"text":"I do.","start":816.26,"end":817.08,"sentiment":"neutral","sentiment_score":0.04773559048771858},{"text":"It's not direct reflecting to me because the the business background, the ABN is registered in my wife's name.","start":817.3,"end":824.785,"sentiment":"neutral","sentiment_score":-0.031638361881241986}],"sentiment":"neutral","sentiment_score":0.04317107153698229,"num_words":26,"start":803.185,"end":824.785},{"sentences":[{"text":"When it comes to tax time, we pay additional tax.","start":825.32495,"end":829.505,"sentiment":"neutral","sentiment_score":-0.020222187414765357},{"text":"Can you explain to me how does that work?","start":830.20496,"end":832.605,"sentiment":"neutral","sentiment_score":-0.037441625777218074},{"text":"I know you I don't know if that's the right question to ask you, but I'm a bit confused because the way H and R Block explained it to us largely is this.","start":832.605,"end":841.19,"sentiment":"neutral","sentiment_score":-0.1705271712306774},{"text":"There is a tax difference.","start":841.33,"end":842.87,"sentiment":"neutral","sentiment_score":-0.14559847563505174},{"text":"So we make up in Australia for the tax in New Zealand even though none of that money comes to us in Australia?","start":843.09,"end":852.995,"sentiment":"neutral","sentiment_score":-0.07933398967851764}],"sentiment":"neutral","sentiment_score":-0.10899084121920169,"num_words":80,"start":825.32495,"end":852.995},{"sentences":[{"text":"What how does that work?","start":853.375,"end":854.915,"sentiment":"neutral","sentiment_score":-0.06715015545487404},{"text":"Okay.","start":864.75,"end":865.25,"sentiment":"neutral","sentiment_score":-0.07535270601511002},{"text":"Yeah.","start":865.63,"end":866.13,"sentiment":"neutral","sentiment_score":-0.07027452439069748},{"text":"Mhmm.","start":882.84503,"end":883.34503,"sentiment":"neutral","sentiment_score":-0.05538445711135864},{"text":"It's a firewood business.","start":891.71,"end":893.07,"sentiment":"neutral","sentiment_score":-0.014503859914839268}],"sentiment":"neutral","sentiment_score":-0.049564825370907784,"num_words":12,"start":853.375,"end":893.07},{"sentences":[{"text":"I wouldn't actually know it's a sole trader or how should set up in that regard.","start":893.07,"end":898.13,"sentiment":"neutral","sentiment_score":-0.05011473980266601},{"text":"However, I mean, we pay full tax on everything there, you know.","start":898.59,"end":903.645,"sentiment":"neutral","sentiment_score":-0.027253962121903896},{"text":"And we and we pay full tax on what we earn over here.","start":903.965,"end":907.505,"sentiment":"neutral","sentiment_score":0.013754447205708576},{"text":"So I don't know.","start":907.965,"end":909.16504,"sentiment":"neutral","sentiment_score":-0.18276268430054188},{"text":"So that's why I'm sort of miss you know, I do not understand it correctly or not explained correctly that whatever it takes then, then we pay something up and it's like, well, why are we paying tax for something that is taxed over there?","start":909.16504,"end":926.64,"sentiment":"neutral","sentiment_score":-0.24284714029894935}],"sentiment":"neutral","sentiment_score":-0.140102751325402,"num_words":90,"start":893.07,"end":926.64},{"sentences":[{"text":"And none of that proceeds is actually coming to us in Australia or to our bank account.","start":926.94,"end":932.695,"sentiment":"neutral","sentiment_score":-0.1531280222184518},{"text":"And so the the government is getting extra money for nothing.","start":933.315,"end":938.53503,"sentiment":"neutral","sentiment_score":-0.28238523683764716},{"text":"That makes a bit more sense.","start":986.90497,"end":988.425,"sentiment":"neutral","sentiment_score":0.03069552903374036},{"text":"So so in your opinion, we're better off going to a tax a a tax agent or tax agent agent compared to, you know, H and R Block, which is somebody who knows how to do tax.","start":988.425,"end":1003.95,"sentiment":"neutral","sentiment_score":-0.023385693898072112},{"text":"So they could okay.","start":1004.65,"end":1006.35004,"sentiment":"neutral","sentiment_score":0.13718884624540806}],"sentiment":"neutral","sentiment_score":-0.07789008130629857,"num_words":75,"start":926.94,"end":1006.35004},{"sentences":[{"text":"Yeah.","start":1052.39,"end":1052.87,"sentiment":"neutral","sentiment_score":0.05349792540073395},{"text":"Yeah.","start":1052.87,"end":1053.37,"sentiment":"neutral","sentiment_score":0.03912854939699173},{"text":"Alright.","start":1060.15,"end":1060.55,"sentiment":"neutral","sentiment_score":0.05885378271341324},{"text":"You guys tend to text Steve?","start":1060.55,"end":1073.0751,"sentiment":"neutral","sentiment_score":0.02611286425963044},{"text":"Yeah.","start":1074.5751,"end":1074.895,"sentiment":"neutral","sentiment_score":0.13616478443145752}],"sentiment":"neutral","sentiment_score":0.04443222275003791,"num_words":10,"start":1052.39,"end":1074.895},{"sentences":[{"text":"Somebody in Queensland, we can physically go and see that.","start":1074.895,"end":1077.6,"sentiment":"neutral","sentiment_score":0.17997146397829056},{"text":"We appreciate it.","start":1077.6,"end":1079.22,"sentiment":"positive","sentiment_score":0.4595726629098256},{"text":"On Brisbane.","start":1079.6,"end":1080.42,"sentiment":"neutral","sentiment_score":-0.07484175823628902},{"text":"I mean, not in Queensland, Brisbane specifically.","start":1080.48,"end":1082.74,"sentiment":"neutral","sentiment_score":-0.051410196881209104},{"text":"Yeah.","start":1087.28,"end":1087.78,"sentiment":"neutral","sentiment_score":0.09295888245105743}],"sentiment":"neutral","sentiment_score":0.12007985288358253,"num_words":23,"start":1074.895,"end":1087.78},{"sentences":[{"text":"Yeah.","start":1092.48,"end":1092.98,"sentiment":"neutral","sentiment_score":0.22337506711483},{"text":"Yes.","start":1099.6726,"end":1100.1726,"sentiment":"neutral","sentiment_score":0.10756129026412964},{"text":"Yeah.","start":1112.15,"end":1112.23,"sentiment":"neutral","sentiment_score":0.21890047192573547},{"text":"Yeah.","start":1112.23,"end":1112.31,"sentiment":"neutral","sentiment_score":0.2956089377403259},{"text":"Pleasure.","start":1112.31,"end":1112.81,"sentiment":"positive","sentiment_score":0.6366531848907471}],"sentiment":"neutral","sentiment_score":0.2964197903871536,"num_words":5,"start":1092.48,"end":1112.81},{"sentences":[{"text":"Thank you.","start":1112.8701,"end":1113.6901,"sentiment":"positive","sentiment_score":0.7436969578266144},{"text":"Yeah.","start":1124.485,"end":1124.725,"sentiment":"neutral","sentiment_score":0.08937729150056839},{"text":"No.","start":1124.725,"end":1124.965,"sentiment":"neutral","sentiment_score":0.10169139504432678},{"text":"It's fine.","start":1124.965,"end":1125.445,"sentiment":"neutral","sentiment_score":0.27354802191257477},{"text":"I appreciate it.","start":1125.445,"end":1126.325,"sentiment":"positive","sentiment_score":0.6080316702524821}],"sentiment":"positive","sentiment_score":0.44996151742007995,"num_words":9,"start":1112.8701,"end":1126.325},{"sentences":[{"text":"Thanks.","start":1126.325,"end":1126.825,"sentiment":"positive","sentiment_score":0.6516063809394836},{"text":"Yep.","start":1140.74,"end":1141.24,"sentiment":"neutral","sentiment_score":0.1511133760213852},{"text":"Yeah.","start":1149.445,"end":1149.765,"sentiment":"neutral","sentiment_score":0.06647058576345444},{"text":"That'll be good.","start":1149.765,"end":1150.825,"sentiment":"neutral","sentiment_score":0.15796017150084177},{"text":"Yeah.","start":1151.525,"end":1151.845,"sentiment":"neutral","sentiment_score":0.19784080982208252}],"sentiment":"neutral","sentiment_score":0.2201302381498473,"num_words":7,"start":1126.325,"end":1151.845},{"sentences":[{"text":"That'll be good.","start":1151.845,"end":1152.825,"sentiment":"positive","sentiment_score":0.40321295460065204},{"text":"Yeah.","start":1157.125,"end":1157.445,"sentiment":"neutral","sentiment_score":0.04669239744544029},{"text":"One week off.","start":1157.445,"end":1158.325,"sentiment":"neutral","sentiment_score":0.04495343814293543},{"text":"Yeah.","start":1158.325,"end":1158.72,"sentiment":"neutral","sentiment_score":0.09784981608390808},{"text":"Yeah.","start":1165.6,"end":1166.1,"sentiment":"neutral","sentiment_score":0.047518447041511536}],"sentiment":"neutral","sentiment_score":0.17072887097795805,"num_words":9,"start":1151.845,"end":1166.1},{"sentences":[{"text":"So we fly on Wednesday.","start":1166.24,"end":1167.7,"sentiment":"neutral","sentiment_score":0.04738592430949211},{"text":"Two weeks Wednesday.","start":1168.0,"end":1169.38,"sentiment":"neutral","sentiment_score":0.04230904082457224},{"text":"Yeah.","start":1169.44,"end":1169.94,"sentiment":"neutral","sentiment_score":0.06480395793914795},{"text":"Let me just have to speak to speaker just so I can have a look.","start":1175.695,"end":1179.635,"sentiment":"neutral","sentiment_score":0.0352588064968586},{"text":"Now, normally, when we fly in, we normally fly out to New Zealand that evening.","start":1182.415,"end":1187.7,"sentiment":"neutral","sentiment_score":0.05422252242763837}],"sentiment":"neutral","sentiment_score":0.04540719579045589,"num_words":39,"start":1166.24,"end":1187.7},{"sentences":[{"text":"But oh, Wednesday.","start":1189.2,"end":1190.58,"sentiment":"neutral","sentiment_score":0.03126918524503708},{"text":"Yeah.","start":1190.64,"end":1190.88,"sentiment":"neutral","sentiment_score":0.04374111071228981},{"text":"That'll be the second.","start":1190.88,"end":1192.02,"sentiment":"neutral","sentiment_score":0.0523983109742403},{"text":"So if if I'm a New Zealand, I'll make I'll just probably send you a courtesy email.","start":1192.24,"end":1199.455,"sentiment":"neutral","sentiment_score":0.07590803909389411},{"text":"And if you can't call me, we can still arrange the time, and I'll just call you from New Zealand.","start":1199.455,"end":1205.475,"sentiment":"neutral","sentiment_score":0.07940578851848841}],"sentiment":"neutral","sentiment_score":0.07168209656245178,"num_words":45,"start":1189.2,"end":1205.475},{"sentences":[{"text":"No.","start":1212.27,"end":1212.4299,"sentiment":"neutral","sentiment_score":-0.037256721407175064},{"text":"We're flying out of third.","start":1212.4299,"end":1213.63,"sentiment":"neutral","sentiment_score":-0.02254641428589821},{"text":"We're flying out of third.","start":1213.63,"end":1214.83,"sentiment":"neutral","sentiment_score":-0.018595810793340207},{"text":"It's Wednesday to Wednesday.","start":1214.83,"end":1216.0499,"sentiment":"neutral","sentiment_score":0.013981331838294864},{"text":"Yeah.","start":1216.11,"end":1216.61,"sentiment":"neutral","sentiment_score":0.061160191893577576}],"sentiment":"neutral","sentiment_score":-0.007867645472288132,"num_words":16,"start":1212.27,"end":1216.61},{"sentences":[{"text":"Yes.","start":1221.71,"end":1222.21,"sentiment":"neutral","sentiment_score":0.024910224601626396},{"text":"I am.","start":1222.625,"end":1222.9851,"sentiment":"neutral","sentiment_score":0.04043693095445633},{"text":"I'll be on night shift, WA time.","start":1222.9851,"end":1226.165,"sentiment":"neutral","sentiment_score":0.030868188877190863},{"text":"So I'm but I'm happy to accept the phone call if it can be early as the earliest you can, WA time.","start":1226.8651,"end":1234.9651,"sentiment":"positive","sentiment_score":0.4155841794880954},{"text":"Well, what's that?","start":1241.54,"end":1242.4199,"sentiment":"neutral","sentiment_score":0.0067700758421172695}],"sentiment":"neutral","sentiment_score":0.2710006738547236,"num_words":35,"start":1221.71,"end":1242.4199},{"sentences":[{"text":"Two weeks there is different.","start":1242.4199,"end":1243.86,"sentiment":"neutral","sentiment_score":-0.015448563545942307},{"text":"So what what time do you guys open up?","start":1243.86,"end":1246.28,"sentiment":"neutral","sentiment_score":0.0019308105628523561},{"text":"07:00 will be preferable if it's possible.","start":1262.99,"end":1265.81,"sentiment":"neutral","sentiment_score":0.03249820029096944},{"text":"Yep.","start":1271.79,"end":1272.29,"sentiment":"neutral","sentiment_score":0.04227061569690704},{"text":"Yeah.","start":1273.15,"end":1273.65,"sentiment":"neutral","sentiment_score":0.022572780027985573}],"sentiment":"neutral","sentiment_score":0.010107185873810364,"num_words":23,"start":1242.4199,"end":1273.65},{"sentences":[{"text":"Got it.","start":1275.63,"end":1276.37,"sentiment":"neutral","sentiment_score":0.25585027039051056},{"text":"Thank you.","start":1277.985,"end":1282.3213,"sentiment":"positive","sentiment_score":0.40470777451992035},{"text":"Appreciate that.","start":1285.6575,"end":1289.9937,"sentiment":"neutral","sentiment_score":0.2705535739660263},{"text":"Yes.","start":1301.33,"end":1301.83,"sentiment":"neutral","sentiment_score":0.22249895334243777},{"text":"Yeah.","start":1313.025,"end":1313.525,"sentiment":"neutral","sentiment_score":0.0812661349773407}],"sentiment":"neutral","sentiment_score":0.2707485407590866,"num_words":8,"start":1275.63,"end":1313.525},{"sentences":[{"text":"That sounds good.","start":1317.025,"end":1317.76,"sentiment":"positive","sentiment_score":0.49669145544370014},{"text":"Thank you.","start":1317.76,"end":1319.22,"sentiment":"positive","sentiment_score":0.578532338142395},{"text":"Alright.","start":1330.88,"end":1331.36,"sentiment":"neutral","sentiment_score":0.1049630269408226},{"text":"Thank you so much.","start":1331.36,"end":1332.285,"sentiment":"positive","sentiment_score":0.8185833692550659},{"text":"I appreciate it.","start":1332.365,"end":1335.305,"sentiment":"positive","sentiment_score":0.5219194889068604}],"sentiment":"positive","sentiment_score":0.5840149240998121,"num_words":13,"start":1317.025,"end":1335.305},{"sentences":[{"text":"Thank you.","start":1337.0851,"end":1337.5651,"sentiment":"positive","sentiment_score":0.7588954269886017},{"text":"You too.","start":1337.5651,"end":1338.225,"sentiment":"positive","sentiment_score":0.42000678181648254},{"text":"I will do.","start":1343.805,"end":1344.525,"sentiment":"positive","sentiment_score":0.39605100949605304},{"text":"Thank you so much.","start":1344.525,"end":1345.3949,"sentiment":"positive","sentiment_score":0.7651652097702026},{"text":"See you.","start":1348.8348,"end":1349.315,"sentiment":"positive","sentiment_score":0.4647352546453476}],"sentiment":"positive","sentiment_score":0.579699138036141,"num_words":13,"start":1337.0851,"end":1349.315},{"sentences":[{"text":"Bye bye.","start":1349.315,"end":1350.0549,"sentiment":"neutral","sentiment_score":0.21896874904632568}],"sentiment":"neutral","sentiment_score":0.21896874904632568,"num_words":2,"start":1349.315,"end":1350.0549}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Hi, Casper. It's Dana from OC Financial. How are you today?\n\nChannel 1: Good. And yourself?\n\nChannel 0: I'm very well. Thank you. How's everything been going for you since the move?\n\nChannel 1: Good. Well, actually, I'm glad you called. So we're actually still gonna be based in Australia. So\n\nChannel 0: Oh,\n\nChannel 1: that\n\nChannel 0: okay.\n\nChannel 1: one is so it's not gonna be just gonna be flying in and out to New Zealand every two weeks, but we're gonna keep everything the same.\n\nChannel 0: Oh, okay. Beautiful. Beautiful.\n\nChannel 1: Yeah.\n\nChannel 0: No. Excellent. Good to hear. Because I think last time we spoke, you were in the process of trying to pack everything up and getting ready to move everything over there and fly back just for work.\n\nChannel 1: Yeah. Well, we actually so everything is the same. We're just\n\nChannel 0: Yeah.\n\nChannel 1: winding up on Brisbane now.\n\nChannel 0: Okay. Beautiful. No. Fantastic. Well, I did, after our last conversation, go back and have a really good look.\n\nWe're fine to still provide advice because you are still working in Australia, so there's no additional\n\nChannel 1: Yeah.\n\nChannel 0: tax laws that we need to take that we need to take\n\nChannel 1: Yeah.\n\nChannel 0: into account. So that's a really good thing for you.\n\nChannel 1: Yeah.\n\nChannel 0: Before I know, Katha, I know you called up and spoke to my colleague just wanting to have a bit of a chat about your super balance as well. I do wanna kinda go\n\nChannel 1: Yes.\n\nChannel 0: through that with you and sort of give you an update and have a chat about your\n\nChannel 1: Yes.\n\nChannel 0: concerns there. But just before\n\nChannel 1: Yep.\n\nChannel 0: I do, I do have to let you know we do record our calls for quality and training\n\nChannel 1: Yep.\n\nChannel 0: purposes. Are you happy for me to proceed with that?\n\nChannel 1: Yeah. Yeah. It's all good.\n\nChannel 0: Oh, fantastic. And just to do security, just get you to confirm your full name, your date of birth, and address I should have on file there for you.\n\nChannel 1: It's Gaspar and Ingrid Gonna Star on the 05/22/1977, and you're\n\nChannel 0: Yep.\n\nChannel 1: still at 9th In The Carter Street, Alkamos, W I 6038 only.\n\nChannel 0: Yes. I do. Yes.\n\nChannel 1: We haven't changed the address yet. There's something we have to do in the next couple of days. We just finished. We just flew in last night. So, yeah, today is\n\nChannel 0: Okay.\n\nChannel 1: the rest day.\n\nChannel 0: No. That's okay. That's not a problem. When you do happen to get ready to change that address, if you could just let me know. And\n\nChannel 1: Yeah.\n\nChannel 0: for the meantime, I'll just make sure any communications are emailed to you so nothing is sent to that address. Is that okay?\n\nChannel 1: Yeah. Well, I can actually well, I can I can give you the address? I just haven't changed\n\nChannel 0: Yeah.\n\nChannel 1: it on my license and stuff.\n\nChannel 0: Oh,\n\nChannel 1: If that's if\n\nChannel 0: no.\n\nChannel 1: it\n\nChannel 0: That\n\nChannel 1: doesn't make a difference, that's fine.\n\nChannel 0: no. That's absolutely fine, but I'll grab the new address off you just because I don't want anything to be posted to the old address there. So if you've\n\nChannel 1: Yeah.\n\nChannel 0: got it, I'll absolutely grab it off you. Yeah. What's the\n\nChannel 1: Alright.\n\nChannel 0: new address?\n\nChannel 1: I'm just putting it in speaker so I can just find it. It is\n\nChannel 0: Yeah.\n\nChannel 1: actually\n\nChannel 0: You're right.\n\nChannel 1: my cousin's we're using my cousin's address when we're in Australia to\n\nChannel 0: Okay. Beautiful.\n\nChannel 1: stay. Let me just go on this. I know it's\n\nChannel 0: Yeah. You're\n\nChannel 1: 30\n\nChannel 0: fine.\n\nChannel 1: 4 Nursery Road,\n\nChannel 0: Yep.\n\nChannel 1: and that is in Richlands. Obviously,\n\nChannel 0: Sorry.\n\nChannel 1: but\n\nChannel 0: What\n\nChannel 1: Richlands.\n\nChannel 0: was the suburb? Richland.\n\nChannel 1: Richland.\n\nChannel 0: Yep.\n\nChannel 1: Obviously, Brisbane,\n\nChannel 0: Yep.\n\nChannel 1: Queensland, and I'm just trying to get the postcode is 4077.\n\nChannel 0: 4077. Beautiful. Thank you so much for that. You're comfortable with us sending mail to that address for you if there's anything we need to post out?\n\nChannel 1: Yeah. Yeah. Because\n\nChannel 0: Yep.\n\nChannel 1: I don't know. Do you send mail overseas or do you prefer\n\nChannel 0: Well,\n\nChannel 1: to keep it Australia?\n\nChannel 0: we can. In all honesty, we normally just email everything to you anyway, so it's normally\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: easier. You're super fund email things. Having your postal addresses or\n\nChannel 1: Yeah.\n\nChannel 0: address in Australia is more just, you know, just a secondary kind of method of contact and also just a confirmation that you do have an Australian address, especially for your super fund. But are you comfortable\n\nChannel 1: Okay.\n\nChannel 0: with us putting that address on your super fund and the rest of your file in case an email had to be sent? Yep.\n\nChannel 1: Yeah. That's fine. That's fine.\n\nChannel 0: Yep.\n\nChannel 1: Thank you.\n\nChannel 0: Perfect. Not a problem at all. Just remember when we call you, when we do security, that's the address we have on file for you, Gaspar.\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Easy. Not a problem at all. Excellent. I know when you called the other day and you spoke to my colleague, Hayden, you were had a bit of a question about your super balance and it kinda going down a little bit. Is that\n\nChannel 1: No. No. No. No. No.\n\nChannel 0: right?\n\nChannel 1: It was\n\nChannel 0: Oh.\n\nChannel 1: nothing like that. It was it was just I was doing some bank things,\n\nChannel 0: Yeah.\n\nChannel 1: and I had to provide my my balance on my super fund.\n\nChannel 0: Right. No.\n\nChannel 1: And that's\n\nChannel 0: That's\n\nChannel 1: why\n\nChannel 0: okay.\n\nChannel 1: I called here because I tried to log on to Metro upon that day, and\n\nChannel 0: Yeah.\n\nChannel 1: for some reason, they they I couldn't log in. So I went off. I needed\n\nChannel 0: Yeah.\n\nChannel 1: it straight away, so that's why I thought I'll I'll know somebody who's might be able to assist me, so that's why I thought.\n\nChannel 0: Absolutely. That's what you have us for. It's absolutely not a problem. If you ever get stuck, feel free to let us know.\n\nChannel 1: Yeah.\n\nChannel 0: I am after sort of going through, I've reviewed your file. And the last time we spoke about after we kind of talked about the insurance side of things because you are still kind of traveling across to New Zealand and residing there for some of the time. And with the health can like, with your health history as well, getting\n\nChannel 1: Yes.\n\nChannel 0: new insurance sort of isn't really we're not really able to apply for new new insurance at the moment, so we do have to retain the insurance you have within IND there. But I've had a really good look at your super, and it looks like there's some things that we can maybe update. I could update the portfolio. I know we have made a bit of a change to one of your investments because since we've spoken and, you know, caught up around about September for you and your review, the markets have been a little bit up and down there. So I've had a bit of a really good review of everything.\n\nThere might be definitely a chance that we could we might be able to change or alter the investments within your portfolio, find maybe a, you know, an investment portfolio that might be working a little bit better for you, also maybe rebalance some of your current investments that have been performing really well and taking advantage of the market the market ups and downs we have at the moment. Are you comfortable with me maybe looking at that and updating the advice for you just to see if we can, you know, keep you on track and keep you super working harder?\n\nChannel 1: Yeah. Whatever whatever. Like I said, high risk gives us the\n\nChannel 0: Yep.\n\nChannel 1: most money I'm I'm happy with, especially\n\nChannel 0: Happy\n\nChannel 1: with\n\nChannel 0: with\n\nChannel 1: things with\n\nChannel 0: high\n\nChannel 1: fuel\n\nChannel 0: growth?\n\nChannel 1: and everything, the living cost with everything that's going on in the world. So yeah.\n\nChannel 0: Yep. Yeah. Absolutely. I'll have a look at all the high growth portfolios out there. I know last year when we did your risk profile, you had still scored high growth, and you were still happy to keep in that high growth environment.\n\nWe do\n\nChannel 1: Yes.\n\nChannel 0: have a couple of portfolios which will still give you that high growth asset allocation and good returns can also kind of help to reduce the risk a little bit. So I\n\nChannel 1: Okay.\n\nChannel 0: can have a look at those sorts of options, look at, you know, how we can reduce the risk with the market volatility to still look for good returns and have you invested, diversified in a in a portfolio that's showing\n\nChannel 1: Yeah.\n\nChannel 0: good positive results. You're comfortable with me doing that for you?\n\nChannel 1: Yes,\n\nChannel 0: Yeah. Beautiful. With the as we kind of spoke\n\nChannel 1: please.\n\nChannel 0: about before, we're not able get new new insurance cover. So keeping the life and TB that you have within the IND suit is gonna be preferable at the moment mostly\n\nChannel 1: Yeah.\n\nChannel 0: because if we do look to apply for any new cover, I mean, we did sort of do a bit a ring around with the pre assessments completed, and it it has sort of come back saying that they weren't willing to offer any cover mostly without\n\nChannel 1: Yep.\n\nChannel 0: any loadings or huge exclusions. So an exclusion is basically stops you from claiming for anything that's preexisting. So it does make it much harder to apply for new cover that way.\n\nChannel 1: Yep.\n\nChannel 0: But are you comfortable if we just keep your licensed EPD as it is and try to maybe boost your super a bit more to give you a bit of a buffer in the event of anything occurring?\n\nChannel 1: Yeah. Yeah. I might be with that. Thank you.\n\nChannel 0: Yep. Beautiful. And are you open to maybe making additional contributions to super if it provides a greater benefit long term, or would you prefer not to make additional contributions to super at the moment?\n\nChannel 1: Not currently. No. Just because\n\nChannel 0: Nope.\n\nChannel 1: we got\n\nChannel 0: That's\n\nChannel 1: a lot\n\nChannel 0: okay.\n\nChannel 1: of infrastructure and stuff going back on back in New Zealand. So whatever\n\nChannel 0: Yeah.\n\nChannel 1: seems I can save on this side, they help me. And that's why I just established over there. It's, you know,\n\nChannel 0: Absolutely.\n\nChannel 1: more beneficial to me.\n\nChannel 0: Yeah. Definitely. And you're not working in New Zealand at the moment. Is there any plans to work in New Zealand down the track?\n\nChannel 1: It won't be anything soon. But whatever we might be is going back in the business back there, so there's no financial benefit for me\n\nChannel 0: Yep. Okay.\n\nChannel 1: bringing any money back to New Zealand to affect anything I'm doing here. So\n\nChannel 0: No.\n\nChannel 1: no.\n\nChannel 0: Definitely keeping it both very separate. Absolutely.\n\nChannel 1: Yeah.\n\nChannel 0: No. Perfect. Not a problem at all. And I can see here when we kinda caught up last year, we talked about, obviously, your beneficiaries. You still want them to be nominated a 100% to to your wife if anything was to happen.\n\nHave you guys since sort of looking set up a will since we caught up, or have you talked about doing a making a will on power of attorney and things like that?\n\nChannel 1: We we\n\nChannel 0: Sorry.\n\nChannel 1: keep we keep talking about it. We never get it. But can I just check that the beneficiary do you have Keriana coffee or Keriana when starting on file?\n\nChannel 0: I looking at the account, it actually looks like there's no beneficiary applied. So I wanna make sure that we do get one applied to you.\n\nChannel 1: Yes.\n\nChannel 0: I I have a note from the last time we called out that you wanted it to be to your wife, and I'm just double\n\nChannel 1: Yep.\n\nChannel 0: checking. How do I spell her name just so it is correct?\n\nChannel 1: H k e r\n\nChannel 0: Yep.\n\nChannel 1: I a n a.\n\nChannel 0: Beautiful.\n\nChannel 1: And do you need a middle name? Do you need a full name or is just the first name and the last name sufficient?\n\nChannel 0: This is just the first and last name sufficient. So it's\n\nChannel 1: And\n\nChannel 0: k\n\nChannel 1: the\n\nChannel 0: e\n\nChannel 1: yep.\n\nChannel 0: sorry.\n\nChannel 1: Sorry.\n\nChannel 0: You're right. You're right. It's k e r I a n a, just one r?\n\nChannel 1: Yes. Kiriana.\n\nChannel 0: Yep. Perfect. Perfect.\n\nChannel 1: And and what last name do you have on the\n\nChannel 0: I have Van Staden, same as yours.\n\nChannel 1: yeah. That's correct. Yeah. But\n\nChannel 0: Beautiful. Excellent.\n\nChannel 1: control\n\nChannel 0: Did you if you like, what we can do is we can\n\nChannel 1: repairs.\n\nChannel 0: have that prefilled. If you're comfortable with us doing so, prefilling\n\nChannel 1: Yeah.\n\nChannel 0: the information on the beneficiary, and I can get my admin team to email it to you. Would that be preferable?\n\nChannel 1: Yeah. That's fine. Yeah.\n\nChannel 0: Yep. Beautiful. I'm just logging into the\n\nChannel 1: Do\n\nChannel 0: super\n\nChannel 1: you need\n\nChannel 0: account\n\nChannel 1: anything\n\nChannel 0: now.\n\nChannel 1: else? Do you need a date of birth or anything like that? Or\n\nChannel 0: I will definitely I'm just logging into Netwealth to double check and have a look. The the file that I had here said there was nothing applied. In Netwealth, it does look like I do have the beneficiary there, but it does have her surname. I think it\n\nChannel 1: Different.\n\nChannel 0: would be her\n\nChannel 1: Yeah.\n\nChannel 0: old name.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: That will be Kawhiah, k a w h I h.\n\nChannel 0: Yep. And does she go by the Van Staden surname?\n\nChannel 1: Yes. She does now.\n\nChannel 0: Yes.\n\nChannel 1: Yeah.\n\nChannel 0: Okay.\n\nChannel 1: For instance,\n\nChannel 0: Is her\n\nChannel 1: we\n\nChannel 0: light\n\nChannel 1: married.\n\nChannel 0: yeah.\n\nChannel 1: Yeah.\n\nChannel 0: That's okay. Is her license being changed to reflect that?\n\nChannel 1: Yes. It is.\n\nChannel 0: Yes. Beautiful. So it's still really important we update that because while she is noted here as a beneficiary and it's correct, it does essentially mean that if anything was to happen, it can be harder for her to claim that the surname not being up to date.\n\nChannel 1: Yes.\n\nChannel 0: So\n\nChannel 1: Okay.\n\nChannel 0: I'll get the beneficiary emailed to you. I\n\nChannel 1: Yes,\n\nChannel 0: can get my\n\nChannel 1: please.\n\nChannel 0: team member to email that either today or tomorrow for you, and I'll make sure we do update it for you. Can I grab her date of birth off you as well, Casper?\n\nChannel 1: It's the 09/23/2019\n\nChannel 0: Yep.\n\nChannel 1: '85.\n\nChannel 0: 1985. Beautiful. And I've got here so we've got a couple of different options for directions. So beneficiaries, you've got a binding or nothing beneficiary at the moment. That essentially means that the trustee is forced to follow the direction you've made so long as it's valid.\n\nAnd it means you only have to fill the form out once and never have to fill out again unless you change your beneficiary. Did you\n\nChannel 1: Yep.\n\nChannel 0: want to keep that binding nonlapsing beneficiary nomination? Are you happy for me to tick that box?\n\nChannel 1: Yes, please.\n\nChannel 0: Yep. Beautiful. Lovely. So what we'll do is I'll get Michelle, my admin, to pre fill those out to you, and she'll email them through to you either today or tomorrow. And, yeah, once they come through, if you can just print, sign, get two witnesses to witness the document.\n\nYour wife\n\nChannel 1: Yeah.\n\nChannel 0: can't be a witness. If you've got two people at work or your cousin\n\nChannel 1: Yeah.\n\nChannel 0: and his\n\nChannel 1: Yeah.\n\nChannel 0: partner or\n\nChannel 1: Yeah.\n\nChannel 0: someone\n\nChannel 1: Yes.\n\nChannel 0: yep.\n\nChannel 1: I do.\n\nChannel 0: Perfect. Just get them to witness the document, and then send it back to us, and we can have that updated to reflect for you. So if anything was to happen, it'll be a lot easier for her to sign to to claim. Sorry. Okay?\n\nChannel 1: Yeah. If I know it's a bit late in\n\nChannel 0: Yeah.\n\nChannel 1: the afternoon over here. If you can get it done to me this afternoon or early tomorrow morning because I gotta go to Officeworks and do some other paperwork since we haven't set up print and stuff over here yet. That\n\nChannel 0: Yep.\n\nChannel 1: will be appreciated.\n\nChannel 0: No. Not a problem. I'll let Michelle know to try and get that done this afternoon for you straight after the call.\n\nChannel 1: Thank\n\nChannel 0: That\n\nChannel 1: you.\n\nChannel 0: way we can get that emailed off to you ASAP. Not\n\nChannel 1: Thank\n\nChannel 0: a problem\n\nChannel 1: you.\n\nChannel 0: at all, Gus. But that's okay. If you have any other questions while you have me here with the other any other concerns or questions?\n\nChannel 1: Yes.\n\nChannel 0: Or\n\nChannel 1: I do. It's not\n\nChannel 0: yes.\n\nChannel 1: direct reflecting to me because\n\nChannel 0: Yeah.\n\nChannel 1: the the business background, the ABN is registered in my wife's name. When\n\nChannel 0: Right.\n\nChannel 1: it comes to tax time, we\n\nChannel 0: Yes.\n\nChannel 1: pay additional tax. Can you explain to me how does that work? I know you I don't know if that's the right question to ask you, but I'm a bit confused because the way H and R Block explained it to us largely is this. There is a tax difference. So we make up in Australia for\n\nChannel 0: Yes.\n\nChannel 1: the tax in New Zealand even though none of that money comes to us in Australia? What how does that work?\n\nChannel 0: That is a really interesting question. I'm not a 100% sure, mostly because I'm not sure how the structure or the tax system in New Zealand\n\nChannel 1: Okay.\n\nChannel 0: works. But\n\nChannel 1: Yeah.\n\nChannel 0: the only way that I would probably think and the way I understand our tax system to work is that if you as an Australian tax resident, we have to pay tax here on both Australian income, but also income earned in other countries. Is\n\nChannel 1: Mhmm.\n\nChannel 0: the business in New Zealand, is that like a sole trader business, or is it a company? Or how is that set up?\n\nChannel 1: It's a firewood business. I wouldn't actually know it's a sole trader or how should set up in that regard. However, I mean, we pay full tax on everything there, you know.\n\nChannel 0: Yeah. Okay.\n\nChannel 1: And we and we pay full tax on what we earn over here. So\n\nChannel 0: Yeah.\n\nChannel 1: I don't know. So that's why I'm sort of miss you know, I do not understand it correctly or not explained correctly that\n\nChannel 0: Yeah. Because\n\nChannel 1: whatever it\n\nChannel 0: I\n\nChannel 1: takes then, then we pay\n\nChannel 0: yeah.\n\nChannel 1: something up and it's like, well, why are we paying tax for something that is taxed over there? And none of that proceeds is actually coming to us in Australia or\n\nChannel 0: Yeah.\n\nChannel 1: to our\n\nChannel 0: Yeah.\n\nChannel 1: bank account. And so the the government is getting extra money for nothing.\n\nChannel 0: The only thing I could maybe think of that it could be, and I'd probably just double check with your accountant to have them explain sorry. Explain it a bit clearer to you, is, like, I have investments in another country in The US. So when I do my tax return every year, any income that I've earned or dividends that my investment has paid from The US, I pay tax in The US, but then I also declare it on my tax return here. So then I pay tax here as well as in The US, but the tax I pay in The US, I claim as a tax deduction. So it hopefully reduces the amount of tax, but I technically still have to pay tax in both companies.\n\nAnd then my accountant claims a tax deduction for the tax I paid overseas. Does that make sense?\n\nChannel 1: That makes a bit more sense. So\n\nChannel 0: Yeah.\n\nChannel 1: so in your opinion, we're better off going to a tax a a tax\n\nChannel 0: Mhmm.\n\nChannel 1: agent or tax agent agent compared to, you know, H and R Block, which is somebody who knows how to do tax.\n\nChannel 0: Yeah.\n\nChannel 1: So they could\n\nChannel 0: I mean,\n\nChannel 1: okay.\n\nChannel 0: page can add blocker on account, and so they should be doing it properly, but they should be able to explain that to you and show you when they do your tax summary. They should be able to show you where they're inputting the information and how that all works. So I would probably ask them the question on how that works because I I know how it works for me and the way I invest. And I've I've seen other people who have got business overseas, and I understand how that works for them as well. But it kinda comes this comes down to your personal circumstances.\n\nBut that's probably the only way that I can see that that would be what they're doing for you. But I would get them to to break that down for you, ask them a question, and, you know, see if they can they should be able to explain they should be able to print the document out and show you where they're\n\nChannel 1: Yeah.\n\nChannel 0: inputting\n\nChannel 1: Yeah.\n\nChannel 0: the income from both the places and what they're, you know, deducting off and how that works. Yeah.\n\nChannel 1: Alright. You guys tend to text\n\nChannel 0: We don't, unfortunately. We do have tax accountants that we work with. So if you like, we can send you some referral information on a couple of accountants if you wanted to maybe\n\nChannel 1: Steve?\n\nChannel 0: have that email across.\n\nChannel 1: Yeah. Somebody in Queensland, we can physically go and see that. We appreciate it.\n\nChannel 0: Yeah. No.\n\nChannel 1: On\n\nChannel 0: Not a\n\nChannel 1: Brisbane.\n\nChannel 0: problem at\n\nChannel 1: I\n\nChannel 0: all.\n\nChannel 1: mean, not in Queensland, Brisbane specifically.\n\nChannel 0: In Brisbane. I'll see what I can find for you. I'll have\n\nChannel 1: Yeah.\n\nChannel 0: a look. We do have a couple of accounts, and we just send you the email with their details, and then you're welcome to\n\nChannel 1: Yeah.\n\nChannel 0: have a look at their website and and contact them if you want them to have a look at it. But some of these accountants, even if they are on the Gold Coast\n\nChannel 1: Yes.\n\nChannel 0: or not quite in Brisbane, they might be able to do everything over the phone and email for you. And if they're a little bit better than the HNI block, they might be also able to explain everything in a bit more detail to you as well. Yeah.\n\nChannel 1: Yeah. Yeah. Pleasure. Thank you.\n\nChannel 0: That's okay. I'll get Michelle to add some of that information there on one of the accounting firms that we deal with for you as part of that email with your beneficiaries if you like.\n\nChannel 1: Yeah. No. It's fine. I appreciate it. Thanks.\n\nChannel 0: Oh, fantastic. All good. Well, what I'll do after the call is I'll go back and just complete some updated research for you. I'll look at your portfolio, look at updating everything. We'll provide a new updated advice document for you.\n\nJust\n\nChannel 1: Yep.\n\nChannel 0: having a quick look. Did you want me to make some time now to book you back in for in a couple of weeks to have that advice document presented, or did you want me to give you\n\nChannel 1: Yeah.\n\nChannel 0: a call\n\nChannel 1: That'll\n\nChannel 0: once\n\nChannel 1: be\n\nChannel 0: it's\n\nChannel 1: good.\n\nChannel 0: ready yet?\n\nChannel 1: Yeah. That'll be good.\n\nChannel 0: Perfect. Now you work two weeks on, don't you?\n\nChannel 1: Yeah. One week off. Yeah.\n\nChannel 0: That's okay. So you're flying back into Brisbane now or to last night. Is that right?\n\nChannel 1: Yeah. So we fly\n\nChannel 0: Yep.\n\nChannel 1: on Wednesday. Two weeks\n\nChannel 0: That\n\nChannel 1: Wednesday. Yeah.\n\nChannel 0: okay. So does that mean you'll be flying back on the June 2?\n\nChannel 1: Let me just have to speak to speaker just so I can have a look.\n\nChannel 0: That's okay. You're fine.\n\nChannel 1: Now, normally, when we fly in, we normally fly out to New Zealand that evening.\n\nChannel 0: Okay.\n\nChannel 1: But oh, Wednesday. Yeah. That'll be the second. So if if I'm a New Zealand,\n\nChannel 0: Yep.\n\nChannel 1: I'll make I'll just probably send you a courtesy email. And if you can't call me, we can still arrange the time, and I'll just call you from New Zealand.\n\nChannel 0: Yep. Yep. That's fine. Did you want me just to book in if you're flying out the June 2, did you want me\n\nChannel 1: No.\n\nChannel 0: to\n\nChannel 1: We're\n\nChannel 0: book in\n\nChannel 1: flying\n\nChannel 0: a time\n\nChannel 1: out of third. We're\n\nChannel 0: oh, sorry.\n\nChannel 1: flying out of third. It's\n\nChannel 0: The\n\nChannel 1: Wednesday\n\nChannel 0: third.\n\nChannel 1: to Wednesday. Yeah.\n\nChannel 0: Not a problem. Are you working on the second, the Tuesday the second at all?\n\nChannel 1: Yes. I am. I'll\n\nChannel 0: Yep.\n\nChannel 1: be\n\nChannel 0: Did\n\nChannel 1: on night shift, WA\n\nChannel 0: okay.\n\nChannel 1: time. So I'm\n\nChannel 0: All\n\nChannel 1: but\n\nChannel 0: good.\n\nChannel 1: I'm happy to accept the phone call if it can be early as the earliest you can, WA time.\n\nChannel 0: Yeah. Absolutely. So what time WA time suits you for a phone call just to go through the updated advice\n\nChannel 1: Well,\n\nChannel 0: document?\n\nChannel 1: what's that? Two weeks there is different. So what what time\n\nChannel 0: Yeah.\n\nChannel 1: do you\n\nChannel 0: You\n\nChannel 1: guys\n\nChannel 0: are.\n\nChannel 1: open up?\n\nChannel 0: Look. Honestly, I will work early or late or whatever time suits you. I'll make it work on this end for you. Did you want because I believe so seven 08:00 your time is about 10:00 my time.\n\nChannel 1: 07:00 will be preferable if it's possible.\n\nChannel 0: Yeah. Absolutely. So 7AM WA time is eight. It's 09:00 my time on\n\nChannel 1: Yep.\n\nChannel 0: Tuesday, the second\n\nChannel 1: Yeah.\n\nChannel 0: of June. Yeah. No. Not a problem at all.\n\nChannel 1: Got\n\nChannel 0: I'll\n\nChannel 1: it.\n\nChannel 0: make that work for you. Absolutely.\n\nChannel 1: Thank\n\nChannel 0: That's okay. So I'll go back\n\nChannel 1: you.\n\nChannel 0: and review your portfolio. I'll do up an advice document. We'll\n\nChannel 1: Appreciate\n\nChannel 0: definitely have to retain the I n g, but we'll do what we can to make it work, and\n\nChannel 1: that.\n\nChannel 0: we'll do another advice document, look at your investments, how everything is, and I'll let you know what we recommend. We can go through that together. I'll send it to you when I give you the phone call so you can see\n\nChannel 1: Yes.\n\nChannel 0: what I've recommended, how it works for you, the advantages, and then you're welcome to take it and read it before you sign it. So if you go back to New Zealand and wanna, you know, read it while you're there, that's fine. And then you get to\n\nChannel 1: Yeah.\n\nChannel 0: decide whether you take on the advice at all. Does that sound okay?\n\nChannel 1: That sounds good. Thank you.\n\nChannel 0: Yep. Fantastic. Not a problem. And I'll make sure we get those beneficiary nominations out to you this afternoon. And I'll also just let Michelle know to add the details for our local account there as well.\n\nOkay?\n\nChannel 1: Alright. Thank you so much. I appreciate\n\nChannel 0: Oh, not a problem at all, Casper. I\n\nChannel 1: it.\n\nChannel 0: hope you have a good week.\n\nChannel 1: Thank you. You too.\n\nChannel 0: I'll talk to you soon. If there's anything else you need, please don't ever hesitate to give me a buzz. Okay?\n\nChannel 1: I will do. Thank you so much.\n\nChannel 0: No worries. Talk to you soon. Thank you.\n\nChannel 1: See you. Bye bye.\n\nChannel 0: See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Casper.","start":2.24,"end":3.12,"sentiment":"neutral","sentiment_score":0.16850315034389496},{"text":"It's Dana from OC Financial.","start":3.12,"end":4.74,"sentiment":"neutral","sentiment_score":0.17969964146614076},{"text":"How are you today?","start":4.88,"end":5.8599997,"sentiment":"neutral","sentiment_score":0.2346946932375431}],"sentiment":"neutral","sentiment_score":0.19766211645169693,"channel":0,"num_words":11,"start":2.24,"end":5.8599997},{"sentences":[{"text":"Good.","start":6.3999996,"end":6.64,"sentiment":"positive","sentiment_score":0.4409550726413727},{"text":"And yourself?","start":6.64,"end":7.2999997,"sentiment":"neutral","sentiment_score":0.2889254093170166}],"sentiment":"positive","sentiment_score":0.33960196375846863,"channel":1,"num_words":3,"start":6.3999996,"end":7.2999997},{"sentences":[{"text":"I'm very well.","start":8.0,"end":8.96,"sentiment":"positive","sentiment_score":0.618921677271525},{"text":"Thank you.","start":8.96,"end":9.44,"sentiment":"positive","sentiment_score":0.6690797805786133},{"text":"How's everything been going for you since the move?","start":9.44,"end":12.099999,"sentiment":"neutral","sentiment_score":0.3136269847551982}],"sentiment":"positive","sentiment_score":0.4298262468406132,"channel":0,"num_words":14,"start":8.0,"end":12.099999},{"sentences":[{"text":"Good.","start":13.005,"end":13.245,"sentiment":"positive","sentiment_score":0.4113277196884155},{"text":"Well, actually, I'm glad you called.","start":13.245,"end":16.205,"sentiment":"positive","sentiment_score":0.4886465867360433},{"text":"So we're actually still gonna be based in 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is so it's not gonna be just gonna be flying in and out to New Zealand every two weeks, but we're gonna keep everything the same.","start":21.165,"end":29.519999,"sentiment":"neutral","sentiment_score":0.11840665643965756}],"sentiment":"neutral","sentiment_score":0.11840665643965756,"channel":1,"num_words":27,"start":21.165,"end":29.519999},{"sentences":[{"text":"Oh, 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it's like, well, why are we paying tax for something that is taxed over there?","start":920.78,"end":926.64,"sentiment":"neutral","sentiment_score":-0.22231551797853577},{"text":"And none of that proceeds is actually coming to us in Australia or","start":926.94,"end":931.47504,"sentiment":"neutral","sentiment_score":-0.17410243531832328}],"sentiment":"neutral","sentiment_score":-0.202097128475866,"channel":1,"num_words":31,"start":920.78,"end":931.47504},{"sentences":[{"text":"Yeah.","start":931.35,"end":931.75,"sentiment":"neutral","sentiment_score":-0.07007447630167007}],"sentiment":"neutral","sentiment_score":-0.07007447630167007,"channel":0,"num_words":1,"start":931.35,"end":931.75},{"sentences":[{"text":"to 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accountant to have them explain sorry.","start":939.97504,"end":947.015,"sentiment":"neutral","sentiment_score":-0.08573602197261956},{"text":"Explain it a bit clearer to you, is, like, I have investments in another country in The US.","start":947.015,"end":952.375,"sentiment":"neutral","sentiment_score":0.01026423741132021},{"text":"So when I do my tax return every year, any income that I've earned or dividends that my investment has paid from The US, I pay tax in The US, but then I also declare it on my tax return here.","start":952.375,"end":965.76,"sentiment":"neutral","sentiment_score":0.05529924209524945},{"text":"So then I pay tax here as well as in The US, but the tax I pay in The US, I claim as a tax deduction.","start":966.44495,"end":973.425,"sentiment":"neutral","sentiment_score":0.0862600700213359},{"text":"So it hopefully reduces the amount of tax, but I technically still have to pay tax in both 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on how that works because I I know how it works for me and the way I invest.","start":1018.92,"end":1024.865,"sentiment":"neutral","sentiment_score":0.3101896202334991},{"text":"And I've I've seen other people who have got business overseas, and I understand how that works for them as well.","start":1024.865,"end":1031.105,"sentiment":"neutral","sentiment_score":0.32372602891354335},{"text":"But it kinda comes this comes down to your personal circumstances.","start":1031.105,"end":1034.085,"sentiment":"neutral","sentiment_score":0.060853728516535324}],"sentiment":"neutral","sentiment_score":0.24201323571442454,"channel":0,"num_words":108,"start":1005.875,"end":1034.085},{"sentences":[{"text":"But that's probably the only way that I can see that that would be what they're doing for you.","start":1034.3049,"end":1041.79,"sentiment":"neutral","sentiment_score":0.20709177812463359},{"text":"But I would get them to to break that down for you, ask them a question, and, you know, see if they 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and","start":1285.83,"end":1289.67,"sentiment":"neutral","sentiment_score":0.32077730250986}],"sentiment":"neutral","sentiment_score":0.32077730250986,"channel":0,"num_words":19,"start":1285.83,"end":1289.67},{"sentences":[{"text":"that.","start":1289.4937,"end":1289.9937,"sentiment":"neutral","sentiment_score":0.2814286947250366}],"sentiment":"neutral","sentiment_score":0.2814286947250366,"channel":1,"num_words":1,"start":1289.4937,"end":1289.9937},{"sentences":[{"text":"we'll do another advice document, look at your investments, how everything is, and I'll let you know what we recommend.","start":1289.67,"end":1296.515,"sentiment":"neutral","sentiment_score":0.2642777547240257},{"text":"We can go through that together.","start":1296.6549,"end":1298.195,"sentiment":"neutral","sentiment_score":0.2495445360740026},{"text":"I'll send it to you when I give you the phone call so you can 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good.","start":1317.025,"end":1317.76,"sentiment":"positive","sentiment_score":0.49669145544370014},{"text":"Thank you.","start":1317.76,"end":1319.22,"sentiment":"positive","sentiment_score":0.578532338142395}],"sentiment":"positive","sentiment_score":0.5294278085231781,"channel":1,"num_words":5,"start":1317.025,"end":1319.22},{"sentences":[{"text":"Yep.","start":1318.77,"end":1319.17,"sentiment":"positive","sentiment_score":0.43004435300827026},{"text":"Fantastic.","start":1319.17,"end":1319.67,"sentiment":"positive","sentiment_score":0.6208500862121582},{"text":"Not a problem.","start":1319.89,"end":1320.6901,"sentiment":"positive","sentiment_score":0.40282904108365375},{"text":"And I'll make sure we get those beneficiary nominations out to you this afternoon.","start":1320.6901,"end":1324.55,"sentiment":"positive","sentiment_score":0.4048893579414913},{"text":"And I'll also just let Michelle know to add the details for our local account there as 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Casper.","start":1332.975,"end":1334.735,"sentiment":"positive","sentiment_score":0.5519435490880694},{"text":"I","start":1334.735,"end":1334.975,"sentiment":"positive","sentiment_score":0.5628312230110168}],"sentiment":"positive","sentiment_score":0.5533045083284378,"channel":0,"num_words":8,"start":1332.975,"end":1334.975},{"sentences":[{"text":"it.","start":1334.805,"end":1335.305,"sentiment":"positive","sentiment_score":0.40804523229599}],"sentiment":"positive","sentiment_score":0.40804523229599,"channel":1,"num_words":1,"start":1334.805,"end":1335.305},{"sentences":[{"text":"hope you have a good week.","start":1334.975,"end":1336.595,"sentiment":"positive","sentiment_score":0.707695335149765}],"sentiment":"positive","sentiment_score":0.707695335149765,"channel":0,"num_words":6,"start":1334.975,"end":1336.595},{"sentences":[{"text":"Thank you.","start":1337.0851,"end":1337.5651,"sentiment":"positive","sentiment_score":0.7588954269886017},{"text":"You 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bye.","start":1349.315,"end":1350.0549,"sentiment":"neutral","sentiment_score":0.21896874904632568}],"sentiment":"positive","sentiment_score":0.34185200184583664,"channel":1,"num_words":4,"start":1348.8348,"end":1350.0549},{"sentences":[{"text":"See you later.","start":1349.87,"end":1350.5901,"sentiment":"neutral","sentiment_score":0.2683715919653575},{"text":"Bye.","start":1350.5901,"end":1351.08,"sentiment":"neutral","sentiment_score":-0.1296970695257187}],"sentiment":"neutral","sentiment_score":0.16885442659258842,"channel":0,"num_words":4,"start":1349.87,"end":1351.08}]},"summary":{"result":"success","short":"A representative from OC Financial named Dana discusses the customer's financial situation with Casper and confirms their personal information. They update the insurance policy and discuss potential changes to the customer's investment portfolio. The representative suggests looking into options to reduce risk and updates the beneficiary's name and surname. They also discuss updating the customer's income and portfolio and offer to send referral information to beneficiaries and schedule a call for a later time. The customer is advised to retain the I n g and emphasizes the importance of staying up-to-date with tax regulations."},"intents":{"segments":[{"text":"We're fine to still provide advice because you are still working in Australia, so there's no additional Yeah. tax laws that we need to take that we need to take Yeah. into account. So that's a really good thing for you. Before Yeah.","start_word":153,"end_word":195,"intents":[{"intent":"Provide advice","confidence_score":0.70075625}]},{"text":"I know, Katha, I know you called up and spoke to my colleague just wanting to have a bit of a chat about your super balance as well.","start_word":196,"end_word":223,"intents":[{"intent":"Update and discuss super balance","confidence_score":0.010670426}]},{"text":"I do, I do have to let you know we do record our calls for quality and training Yep. purposes. Are you happy for me to proceed with that? Yeah. Yeah.","start_word":254,"end_word":284,"intents":[{"intent":"Record calls","confidence_score":0.14625077}]},{"text":"And just to do security, just get you to confirm your full name, your date of birth, and address I should have on file there for you. It's Gaspar and Ingrid Gonna Star on the 05/22/1977, and you're Yep. still at 9th In The Carter Street, Alkamos, W I 6038 only. Yes.","start_word":290,"end_word":341,"intents":[{"intent":"Confirm identity and relocate","confidence_score":0.00022517904},{"intent":"Confirm security","confidence_score":0.41648182}]},{"text":"We haven't changed the address yet. There's something we have to do in the next couple of days. We just finished. We just flew in last night. So, yeah, today is Okay. the rest day. No. That's okay. That's not a problem. When you do happen to get ready to change that address, if you could just let me know. And Yeah.","start_word":346,"end_word":407,"intents":[{"intent":"Change address","confidence_score":0.85619676}]},{"text":"Thank you so much for that. You're comfortable with us sending mail to that address for you if there's anything we need to post out? Yeah.","start_word":594,"end_word":619,"intents":[{"intent":"Send mail","confidence_score":0.059335265}]},{"text":"That's what you have us for. It's absolutely not a problem. If you ever get stuck, feel free to let us know. Yeah.","start_word":913,"end_word":935,"intents":[{"intent":"Request assistance with address","confidence_score":0.0021693483}]},{"text":"new insurance sort of isn't really we're not really able to apply for new new insurance at the moment, so we do have to retain the insurance you have within IND there.","start_word":998,"end_word":1029,"intents":[{"intent":"Retain insurance","confidence_score":0.19965477}]},{"text":"I could update the portfolio.","start_word":1052,"end_word":1056,"intents":[{"intent":"Update portfolio","confidence_score":0.9164003}]},{"text":"There might be definitely a chance that we could we might be able to change or alter the investments within your portfolio, find maybe a, you know, an investment portfolio that might be working a little bit better for you, also maybe rebalance some of your current investments that have been performing really well and taking advantage of the market the market ups and downs we have at the moment.","start_word":1112,"end_word":1181,"intents":[{"intent":"Rebalance investments","confidence_score":0.084843755}]},{"text":"Are you comfortable with me maybe looking at that and updating the advice for you just to see if we can, you know, keep you on track and keep you super working harder? Yeah.","start_word":1182,"end_word":1215,"intents":[{"intent":"Keep on track","confidence_score":0.00245639}]},{"text":"have a couple of portfolios which will still give you that high growth asset allocation and good returns can also kind of help to reduce the risk a little bit. So I Okay.","start_word":1303,"end_word":1335,"intents":[{"intent":"Reduce risk","confidence_score":0.6888214}]},{"text":"have a couple of portfolios which will still give you that high growth asset allocation and good returns can also kind of help to reduce the risk a little bit. So I Okay. can have a look at those sorts of options, look at, you know, how we can reduce the risk with the market volatility to still look for good returns and have you invested, diversified in a in a portfolio that's showing Yeah.","start_word":1303,"end_word":1377,"intents":[{"intent":"Provide portfolio options","confidence_score":0.0042159595}]},{"text":"can have a look at those sorts of options, look at, you know, how we can reduce the risk with the market volatility to still look for good returns and have you invested, diversified in a in a portfolio that's showing Yeah.","start_word":1336,"end_word":1377,"intents":[{"intent":"Divert investment","confidence_score":0.000004318359}]},{"text":"So keeping the life and TB that you have within the IND suit is gonna be preferable at the moment mostly Yeah.","start_word":1411,"end_word":1432,"intents":[{"intent":"Keep life and tb","confidence_score":0.02159892}]},{"text":"because if we do look to apply for any new cover, I mean, we did sort of do a bit a ring around with the pre assessments completed, and it it has sort of come back saying that they weren't willing to offer any cover mostly without Yep.","start_word":1432,"end_word":1479,"intents":[{"intent":"Apply for new coverage","confidence_score":0.05482047}]},{"text":"But are you comfortable if we just keep your licensed EPD as it is and try to maybe boost your super a bit more to give you a bit of a buffer in the event of anything occurring? Yeah.","start_word":1513,"end_word":1551,"intents":[{"intent":"Boost super","confidence_score":0.05462222}]},{"text":"And are you open to maybe making additional contributions to super if it provides a greater benefit long term, or would you prefer not to make additional contributions to super at the moment? Not currently.","start_word":1562,"end_word":1596,"intents":[{"intent":"Pay additional contributions","confidence_score":0.000007217381}]},{"text":"But can I just check that the beneficiary do you have Keriana coffee or Keriana when starting on file?","start_word":1811,"end_word":1829,"intents":[{"intent":"Check beneficiary application","confidence_score":0.033647485}]},{"text":"So it's still really important we update that because while she is noted here as a beneficiary and it's correct, it does essentially mean that if anything was to happen, it can be harder for her to claim that the surname not being up to date. Yes. So Okay.","start_word":2177,"end_word":2225,"intents":[{"intent":"Update beneficiary information","confidence_score":0.6919425}]},{"text":"Just get them to witness the document, and then send it back to us, and we can have that updated to reflect for you. So if anything was to happen, it'll be a lot easier for her to sign to to claim. Sorry. Okay? Yeah.","start_word":2451,"end_word":2495,"intents":[{"intent":"Request document clarification","confidence_score":0.017886026}]},{"text":"So then I pay tax here as well as in The US, but the tax I pay in The US, I claim as a tax deduction. So it hopefully reduces the amount of tax, but I technically still have to pay tax in both companies. And then my accountant claims a tax deduction for the tax I paid overseas. Does that make sense?","start_word":3042,"end_word":3104,"intents":[{"intent":"Clarify tax deduction","confidence_score":0.08562232}]},{"text":"We do have tax accountants that we work with. So if you like, we can send you some referral information on a couple of accountants if you wanted to maybe Steve? have that email across. Yeah.","start_word":3357,"end_word":3392,"intents":[{"intent":"Provide referral information","confidence_score":0.0556883}]},{"text":"Well, what I'll do after the call is I'll go back and just complete some updated research for you. I'll look at your portfolio, look at updating everything. We'll provide a new updated advice document for you. Just Yep.","start_word":3594,"end_word":3632,"intents":[{"intent":"Complete research","confidence_score":0.013321707},{"intent":"Present advice document","confidence_score":0.12705098}]},{"text":"Did you want me to make some time now to book you back in for in a couple of weeks to have that advice document presented, or did you want me to give you Yeah.","start_word":3637,"end_word":3671,"intents":[{"intent":"Schedule call","confidence_score":0.4174834}]},{"text":"I'm happy to accept the phone call if it can be early as the earliest you can, WA time. Yeah.","start_word":3902,"end_word":3921,"intents":[{"intent":"Accept wa call","confidence_score":0.0010529475}]},{"text":"So I'll go back you. and review your portfolio.","start_word":4046,"end_word":4054,"intents":[{"intent":"Review portfolio review","confidence_score":0.0032296984}]},{"text":"I'll do up an advice document. We'll Appreciate definitely have to retain the I n g, but we'll do what we can to make it work, and that. we'll do another advice document, look at your investments, how everything is, and I'll let you know what we recommend. We can go through that together.","start_word":4055,"end_word":4108,"intents":[{"intent":"Provide advice and recommendations","confidence_score":0.00029468338}]},{"text":"Not a problem. And I'll make sure we get those beneficiary nominations out to you this afternoon. And I'll also just let Michelle know to add the details for our local account there as well. Okay? Alright.","start_word":4195,"end_word":4231,"intents":[{"intent":"Add beneficiary nominations","confidence_score":0.54681623}]}]},"sentiments":{"segments":[{"text":"Hi, Casper. It's Dana from OC Financial. How are you today?","start_word":0,"end_word":10,"sentiment":"neutral","sentiment_score":0.1896701157093048},{"text":"Good.","start_word":11,"end_word":11,"sentiment":"positive","sentiment_score":0.4409550726413727},{"text":"And yourself?","start_word":12,"end_word":13,"sentiment":"neutral","sentiment_score":0.3009638786315918},{"text":"I'm very well. Thank you.","start_word":14,"end_word":18,"sentiment":"positive","sentiment_score":0.6272352337837219},{"text":"How's everything been going for you since the move?","start_word":19,"end_word":27,"sentiment":"neutral","sentiment_score":0.3177785873413086},{"text":"Good. Well, actually, I'm glad you called.","start_word":28,"end_word":34,"sentiment":"positive","sentiment_score":0.4614053368568421},{"text":"So we're actually still gonna be based in Australia. So Oh, that okay. one is so it's not gonna be just gonna be flying in and out to New Zealand every two weeks, but we're gonna keep everything the same. Oh, okay.","start_word":35,"end_word":76,"sentiment":"neutral","sentiment_score":0.15048402547836304},{"text":"Beautiful. Beautiful.","start_word":77,"end_word":78,"sentiment":"positive","sentiment_score":0.39712634682655334},{"text":"Yeah. No. Excellent. Good to hear. Because I think last time we spoke, you were in the process of trying to pack everything up and getting ready to move everything over there and fly back just for work. Yeah. Well, we actually so everything is the same. We're just Yeah. winding up on Brisbane now. Okay. Beautiful. No. Fantastic. Well, I did, after our last conversation, go back and have a really good look. We're fine to still provide advice because you are still working in Australia, so there's no additional Yeah. tax laws that we need to take that we need to take Yeah. into account.","start_word":79,"end_word":185,"sentiment":"neutral","sentiment_score":0.15728943049907684},{"text":"So that's a really good thing for you.","start_word":186,"end_word":193,"sentiment":"positive","sentiment_score":0.5023235082626343},{"text":"Before Yeah. I know, Katha, I know you called up and spoke to my colleague just wanting to have a bit of a chat about your super balance as well. I do wanna kinda go Yes. through that with you and sort of give you an update and have a chat about your Yes. concerns there. But just before Yep. I do, I do have to let you know we do record our calls for quality and training Yep. purposes. Are you happy for me to proceed with that? Yeah. Yeah. It's all good.","start_word":194,"end_word":287,"sentiment":"neutral","sentiment_score":0.08230547606945038},{"text":"Oh, fantastic.","start_word":288,"end_word":289,"sentiment":"positive","sentiment_score":0.3950525224208832},{"text":"And just to do security, just get you to confirm your full name, your date of birth, and address I should have on file there for you. It's Gaspar and Ingrid Gonna Star on the 05/22/1977, and you're Yep. still at 9th In The Carter Street, Alkamos, W I 6038 only. Yes. I do. Yes. We haven't changed the address yet. There's something we have to do in the next couple of days. We just finished. We just flew in last night. So, yeah, today is Okay. the rest day. No. That's okay. That's not a problem. When you do happen to get ready to change that address, if you could just let me know. And Yeah. for the meantime, I'll just make sure any communications are emailed to you so nothing is sent to that address. Is that okay? Yeah. Well, I can actually well, I can I can give you the address? I just haven't changed Yeah. it on my license and stuff. Oh, If that's if no. it That doesn't make a difference, that's fine. no. That's absolutely fine, but I'll grab the new address off you just because I don't want anything to be posted to the old address there. So if you've Yeah. got it, I'll absolutely grab it off you. Yeah. What's the Alright. new address? I'm just putting it in speaker so I can just find it. It is Yeah. actually You're right. my cousin's we're using my cousin's address when we're in Australia to Okay. Beautiful. stay. Let me just go on this. I know it's Yeah. You're 30 fine. 4 Nursery Road, Yep. and that is in Richlands. Obviously, Sorry. but What Richlands. was the suburb? Richland. Richland. Yep. Obviously, Brisbane, Yep. Queensland, and I'm just trying to get the postcode is 4077. 4077.","start_word":290,"end_word":592,"sentiment":"neutral","sentiment_score":0.042053151371652144},{"text":"Beautiful. Thank you so much for that.","start_word":593,"end_word":599,"sentiment":"positive","sentiment_score":0.5687447786331177},{"text":"You're comfortable with us sending mail to that address for you if there's anything we need to post out? Yeah. Yeah. Because Yep. I don't know. Do you send mail overseas or do you prefer Well, to keep it Australia? we can. In all honesty, we normally just email everything to you anyway, so it's normally Yeah. Yeah. easier. You're super fund email things. Having your postal addresses or Yeah. address in Australia is more just, you know, just a secondary kind of method of contact and also just a confirmation that you do have an Australian address, especially for your super fund. But are you comfortable Okay. with us putting that address on your super fund and the rest of your file in case an email had to be sent? Yep. Yeah. That's fine. That's fine. Yep.","start_word":600,"end_word":737,"sentiment":"neutral","sentiment_score":0.11029881066170293},{"text":"Thank you. Perfect.","start_word":738,"end_word":740,"sentiment":"positive","sentiment_score":0.5384292006492615},{"text":"Not a problem at all. Just remember when we call you, when we do security, that's the address we have on file for you, Gaspar. Yeah. That's fine. Easy. Not a problem at all.","start_word":741,"end_word":774,"sentiment":"neutral","sentiment_score":0.18745315074920657},{"text":"Excellent.","start_word":775,"end_word":775,"sentiment":"positive","sentiment_score":0.4663222432136536},{"text":"I know when you called the other day and you spoke to my colleague, Hayden, you were had a bit of a question about your super balance and it kinda going down a little bit. Is that No. No. No. No. No. right? It was Oh. nothing like that. It was it was just I was doing some bank things, Yeah. and I had to provide my my balance on my super fund. Right. No. And that's That's why okay. I called here because I tried to log on to Metro upon that day, and Yeah. for some reason, they they I couldn't log in. So I went off. I needed Yeah. it straight away, so that's why I thought I'll I'll know somebody who's might be able to assist me, so that's why I thought. Absolutely. That's what you have us for. It's absolutely not a problem. If you ever get stuck, feel free to let us know. Yeah. I am after sort of going through, I've reviewed your file. And the last time we spoke about after we kind of talked about the insurance side of things because you are still kind of traveling across to New Zealand and residing there for some of the time. And with the health can like, with your health history as well, getting Yes. new insurance sort of isn't really we're not really able to apply for new new insurance at the moment, so we do have to retain the insurance you have within IND there.","start_word":776,"end_word":1029,"sentiment":"neutral","sentiment_score":-0.013187753036618233},{"text":"But I've had a really good look at your super, and it looks like there's some things that we can maybe update.","start_word":1030,"end_word":1051,"sentiment":"positive","sentiment_score":0.4105072617530823},{"text":"I could update the portfolio. I know we have made a bit of a change to one of your investments because since we've spoken and, you know, caught up around about September for you and your review, the markets have been a little bit up and down there. So I've had a bit of a really good review of everything. There might be definitely a chance that we could we might be able to change or alter the investments within your portfolio, find maybe a, you know, an investment portfolio that might be working a little bit better for you, also maybe rebalance some of your current investments that have been performing really well and taking advantage of the market the market ups and downs we have at the moment. Are you comfortable with me maybe looking at that and updating the advice for you just to see if we can, you know, keep you on track and keep you super working harder? Yeah. Whatever whatever. Like I said, high risk gives us the Yep. most money I'm I'm happy with, especially Happy with with things with high fuel growth? and everything, the living cost with everything that's going on in the world. So yeah. Yep. Yeah.","start_word":1052,"end_word":1258,"sentiment":"neutral","sentiment_score":0.14654803276062012},{"text":"Absolutely.","start_word":1259,"end_word":1259,"sentiment":"positive","sentiment_score":0.4019995629787445},{"text":"I'll have a look at all the high growth portfolios out there. I know last year when we did your risk profile, you had still scored high growth, and you were still happy to keep in that high growth environment. We do Yes. have a couple of portfolios which will still give you that high growth asset allocation and good returns can also kind of help to reduce the risk a little bit. So I Okay. can have a look at those sorts of options, look at, you know, how we can reduce the risk with the market volatility to still look for good returns and have you invested, diversified in a in a portfolio that's showing Yeah.","start_word":1260,"end_word":1377,"sentiment":"neutral","sentiment_score":0.22649399936199188},{"text":"good positive results. You're comfortable with me doing that for you?","start_word":1378,"end_word":1388,"sentiment":"positive","sentiment_score":0.4391321837902069},{"text":"Yes, Yeah.","start_word":1389,"end_word":1390,"sentiment":"neutral","sentiment_score":0.22200661897659305},{"text":"Beautiful.","start_word":1391,"end_word":1391,"sentiment":"positive","sentiment_score":0.4838361144065857},{"text":"With the as we kind of spoke please. about before, we're not able get new new insurance cover. So keeping the life and TB that you have within the IND suit is gonna be preferable at the moment mostly Yeah. because if we do look to apply for any new cover, I mean, we did sort of do a bit a ring around with the pre assessments completed, and it it has sort of come back saying that they weren't willing to offer any cover mostly without Yep. any loadings or huge exclusions. So an exclusion is basically stops you from claiming for anything that's preexisting. So it does make it much harder to apply for new cover that way. Yep. But are you comfortable if we just keep your licensed EPD as it is and try to maybe boost your super a bit more to give you a bit of a buffer in the event of anything occurring? Yeah. Yeah. I might be with that.","start_word":1392,"end_word":1557,"sentiment":"neutral","sentiment_score":0.02363380964800536},{"text":"Thank you. Yep. Beautiful.","start_word":1558,"end_word":1561,"sentiment":"positive","sentiment_score":0.5106039047241211},{"text":"And are you open to maybe making additional contributions to super if it provides a greater benefit long term, or would you prefer not to make additional contributions to super at the moment? Not currently. No. Just because Nope. we got That's a lot okay. of infrastructure and stuff going back on back in New Zealand. So whatever Yeah. seems I can save on this side, they help me. And that's why I just established over there. It's, you know, Absolutely. more beneficial to me. Yeah. Definitely. And you're not working in New Zealand at the moment. Is there any plans to work in New Zealand down the track? It won't be anything soon. But whatever we might be is going back in the business back there, so there's no financial benefit for me Yep. Okay. bringing any money back to New Zealand to affect anything I'm doing here. So No. no. Definitely keeping it both very separate. Absolutely. Yeah. No. Perfect. Not a problem at all. And I can see here when we kinda caught up last year, we talked about, obviously, your beneficiaries. You still want them to be nominated a 100% to to your wife if anything was to happen. Have you guys since sort of looking set up a will since we caught up, or have you talked about doing a making a will on power of attorney and things like that? We we Sorry. keep we keep talking about it. We never get it. But can I just check that the beneficiary do you have Keriana coffee or Keriana when starting on file? I looking at the account, it actually looks like there's no beneficiary applied. So I wanna make sure that we do get one applied to you. Yes. I I have a note from the last time we called out that you wanted it to be to your wife, and I'm just double Yep. checking. How do I spell her name just so it is correct? H k e r Yep. I a n a.","start_word":1562,"end_word":1903,"sentiment":"neutral","sentiment_score":0.018209659140448125},{"text":"Beautiful.","start_word":1904,"end_word":1904,"sentiment":"positive","sentiment_score":0.3453781008720398},{"text":"And do you need a middle name? Do you need a full name or is just the first name and the last name sufficient? This is just the first and last name sufficient. So it's And k the e yep. sorry. Sorry. You're right. You're right. It's k e r I a n a, just one r? Yes. Kiriana. Yep.","start_word":1905,"end_word":1964,"sentiment":"neutral","sentiment_score":0.016294021159410477},{"text":"Perfect. Perfect.","start_word":1965,"end_word":1966,"sentiment":"positive","sentiment_score":0.38698455691337585},{"text":"And and what last name do you have on the I have Van Staden, same as yours. yeah. That's correct. Yeah.","start_word":1967,"end_word":1987,"sentiment":"neutral","sentiment_score":0.06731172651052475},{"text":"But Beautiful. Excellent.","start_word":1988,"end_word":1990,"sentiment":"positive","sentiment_score":0.39531925320625305},{"text":"control Did you if you like, what we can do is we can repairs. have that prefilled. If you're comfortable with us doing so, prefilling Yeah. the information on the beneficiary, and I can get my admin team to email it to you. Would that be preferable? Yeah. That's fine. Yeah. Yep.","start_word":1991,"end_word":2042,"sentiment":"neutral","sentiment_score":0.053056590259075165},{"text":"Beautiful.","start_word":2043,"end_word":2043,"sentiment":"positive","sentiment_score":0.34331029653549194},{"text":"I'm just logging into the Do super you need account anything now. else? Do you need a date of birth or anything like that? Or I will definitely I'm just logging into Netwealth to double check and have a look. The the file that I had here said there was nothing applied. In Netwealth, it does look like I do have the beneficiary there, but it does have her surname. I think it Different. would be her Yeah. old name. Yeah. Yeah. That will be Kawhiah, k a w h I h. Yep. And does she go by the Van Staden surname? Yes. She does now. Yes. Yeah. Okay. For instance, Is her we light married. yeah. Yeah. That's okay. Is her license being changed to reflect that? Yes. It is. Yes.","start_word":2044,"end_word":2175,"sentiment":"neutral","sentiment_score":0.027573835612698036},{"text":"Beautiful.","start_word":2176,"end_word":2176,"sentiment":"positive","sentiment_score":0.47520771622657776},{"text":"So it's still really important we update that because while she is noted here as a beneficiary and it's correct, it does essentially mean that if anything was to happen, it can be harder for her to claim that the surname not being up to date. Yes. So Okay. I'll get the beneficiary emailed to you. I Yes, can get my please. team member to email that either today or tomorrow for you, and I'll make sure we do update it for you. Can I grab her date of birth off you as well, Casper? It's the 09/23/2019 Yep. '85. 1985.","start_word":2177,"end_word":2277,"sentiment":"neutral","sentiment_score":0.09692277014255524},{"text":"Beautiful.","start_word":2278,"end_word":2278,"sentiment":"positive","sentiment_score":0.4699929356575012},{"text":"And I've got here so we've got a couple of different options for directions. So beneficiaries, you've got a binding or nothing beneficiary at the moment. That essentially means that the trustee is forced to follow the direction you've made so long as it's valid. And it means you only have to fill the form out once and never have to fill out again unless you change your beneficiary. Did you Yep. want to keep that binding nonlapsing beneficiary nomination? Are you happy for me to tick that box? Yes, please. Yep.","start_word":2279,"end_word":2370,"sentiment":"neutral","sentiment_score":0.13592633605003357},{"text":"Beautiful. Lovely.","start_word":2371,"end_word":2372,"sentiment":"positive","sentiment_score":0.5459799766540527},{"text":"So what we'll do is I'll get Michelle, my admin, to pre fill those out to you, and she'll email them through to you either today or tomorrow. And, yeah, once they come through, if you can just print, sign, get two witnesses to witness the document. Your wife Yeah. can't be a witness. If you've got two people at work or your cousin Yeah. and his Yeah. partner or Yeah. someone Yes. yep. I do.","start_word":2373,"end_word":2448,"sentiment":"neutral","sentiment_score":0.12972798943519592},{"text":"Perfect.","start_word":2449,"end_word":2449,"sentiment":"positive","sentiment_score":0.4537452161312103},{"text":"Just get them to witness the document, and then send it back to us, and we can have that updated to reflect for you.","start_word":2450,"end_word":2473,"sentiment":"neutral","sentiment_score":0.32021528482437134},{"text":"So if anything was to happen, it'll be a lot easier for her to sign to to claim.","start_word":2474,"end_word":2491,"sentiment":"positive","sentiment_score":0.4229172170162201},{"text":"Sorry. Okay? Yeah. If I know it's a bit late in Yeah. the afternoon over here. If you can get it done to me this afternoon or early tomorrow morning because I gotta go to Officeworks and do some other paperwork since we haven't set up print and stuff over here yet.","start_word":2492,"end_word":2543,"sentiment":"neutral","sentiment_score":0.05593036115169525},{"text":"That Yep. will be appreciated.","start_word":2544,"end_word":2548,"sentiment":"positive","sentiment_score":0.4798809885978699},{"text":"No. Not a problem.","start_word":2549,"end_word":2552,"sentiment":"neutral","sentiment_score":0.31714701652526855},{"text":"I'll let Michelle know to try and get that done this afternoon for you straight after the call. Thank That you. way we can get that emailed off to you ASAP.","start_word":2553,"end_word":2583,"sentiment":"positive","sentiment_score":0.4245701432228088},{"text":"Not Thank a problem you. at all, Gus. But that's okay. If you have any other questions while you have me here with the other any other concerns or questions? Yes. Or I do. It's not yes. direct reflecting to me because Yeah. the the business background, the ABN is registered in my wife's name. When Right. it comes to tax time, we Yes. pay additional tax. Can you explain to me how does that work? I know you I don't know if that's the right question to ask you, but I'm a bit confused because the way H and R Block explained it to us largely is this. There is a tax difference. So we make up in Australia for Yes. the tax in New Zealand even though none of that money comes to us in Australia? What how does that work? That is a really interesting question. I'm not a 100% sure, mostly because I'm not sure how the structure or the tax system in New Zealand Okay. works. But Yeah. the only way that I would probably think and the way I understand our tax system to work is that if you as an Australian tax resident, we have to pay tax here on both Australian income, but also income earned in other countries. Is Mhmm. the business in New Zealand, is that like a sole trader business, or is it a company? Or how is that set up? It's a firewood business. I wouldn't actually know it's a sole trader or how should set up in that regard. However, I mean, we pay full tax on everything there, you know. Yeah. Okay. And we and we pay full tax on what we earn over here. So Yeah. I don't know. So that's why I'm sort of miss you know, I do not understand it correctly or not explained correctly that Yeah. Because whatever it I takes then, then we pay yeah. something up and it's like, well, why are we paying tax for something that is taxed over there? And none of that proceeds is actually coming to us in Australia or Yeah. to our Yeah. bank account. And so the the government is getting extra money for nothing. The only thing I could maybe think of that it could be, and I'd probably just double check with your accountant to have them explain sorry. Explain it a bit clearer to you, is, like, I have investments in another country in The US. So when I do my tax return every year, any income that I've earned or dividends that my investment has paid from The US, I pay tax in The US, but then I also declare it on my tax return here. So then I pay tax here as well as in The US, but the tax I pay in The US, I claim as a tax deduction. So it hopefully reduces the amount of tax, but I technically still have to pay tax in both companies. And then my accountant claims a tax deduction for the tax I paid overseas. Does that make sense? That makes a bit more sense. So Yeah. so in your opinion, we're better off going to a tax a a tax Mhmm. agent or tax agent agent compared to, you know, H and R Block, which is somebody who knows how to do tax. Yeah. So they could I mean, okay. page can add blocker on account, and so they should be doing it properly, but they should be able to explain that to you and show you when they do your tax summary. They should be able to show you where they're inputting the information and how that all works. So I would probably ask them the question on how that works because I I know how it works for me and the way I invest. And I've I've seen other people who have got business overseas, and I understand how that works for them as well. But it kinda comes this comes down to your personal circumstances. But that's probably the only way that I can see that that would be what they're doing for you. But I would get them to to break that down for you, ask them a question, and, you know, see if they can they should be able to explain they should be able to print the document out and show you where they're Yeah. inputting Yeah. the income from both the places and what they're, you know, deducting off and how that works. Yeah. Alright. You guys tend to text We don't, unfortunately. We do have tax accountants that we work with. So if you like, we can send you some referral information on a couple of accountants if you wanted to maybe Steve? have that email across. Yeah. Somebody in Queensland, we can physically go and see that.","start_word":2584,"end_word":3402,"sentiment":"neutral","sentiment_score":0.01739719813241554},{"text":"We appreciate it.","start_word":3403,"end_word":3405,"sentiment":"positive","sentiment_score":0.4416857957839966},{"text":"Yeah. No. On Not a Brisbane. problem at I all. mean, not in Queensland, Brisbane specifically. In Brisbane. I'll see what I can find for you. I'll have Yeah. a look. We do have a couple of accounts, and we just send you the email with their details, and then you're welcome to Yeah. have a look at their website and and contact them if you want them to have a look at it. But some of these accountants, even if they are on the Gold Coast Yes. or not quite in Brisbane, they might be able to do everything over the phone and email for you. And if they're a little bit better than the HNI block, they might be also able to explain everything in a bit more detail to you as well. Yeah. Yeah. Yeah.","start_word":3406,"end_word":3543,"sentiment":"neutral","sentiment_score":0.16838569939136505},{"text":"Pleasure. Thank you. That's okay.","start_word":3544,"end_word":3548,"sentiment":"positive","sentiment_score":0.5826812982559204},{"text":"I'll get Michelle to add some of that information there on one of the accounting firms that we deal with for you as part of that email with your beneficiaries if you like. Yeah. No. It's fine.","start_word":3549,"end_word":3585,"sentiment":"neutral","sentiment_score":0.09456371515989304},{"text":"I appreciate it. Thanks. Oh, fantastic. All good.","start_word":3586,"end_word":3593,"sentiment":"positive","sentiment_score":0.6487884521484375},{"text":"Well, what I'll do after the call is I'll go back and just complete some updated research for you. I'll look at your portfolio, look at updating everything. We'll provide a new updated advice document for you. Just Yep. having a quick look. Did you want me to make some time now to book you back in for in a couple of weeks to have that advice document presented, or did you want me to give you Yeah. a call That'll once be it's good. ready yet? Yeah.","start_word":3594,"end_word":3681,"sentiment":"neutral","sentiment_score":0.14184625446796417},{"text":"That'll be good. Perfect.","start_word":3682,"end_word":3685,"sentiment":"positive","sentiment_score":0.4160618782043457},{"text":"Now you work two weeks on, don't you? Yeah. One week off. Yeah. That's okay. So you're flying back into Brisbane now or to last night. Is that right? Yeah. So we fly Yep. on Wednesday. Two weeks That Wednesday. Yeah. okay. So does that mean you'll be flying back on the June 2? Let me just have to speak to speaker just so I can have a look. That's okay. You're fine. Now, normally, when we fly in, we normally fly out to New Zealand that evening. Okay. But oh, Wednesday. Yeah. That'll be the second. So if if I'm a New Zealand, Yep. I'll make I'll just probably send you a courtesy email. And if you can't call me, we can still arrange the time, and I'll just call you from New Zealand. Yep. Yep. That's fine. Did you want me just to book in if you're flying out the June 2, did you want me No. to We're book in flying a time out of third. We're oh, sorry. flying out of third. It's The Wednesday third. to Wednesday. Yeah. Not a problem. Are you working on the second, the Tuesday the second at all? Yes. I am. I'll Yep. be Did on night shift, WA okay. time.","start_word":3686,"end_word":3896,"sentiment":"neutral","sentiment_score":0.0501265906998049},{"text":"So I'm All but good. I'm happy to accept the phone call if it can be early as the earliest you can, WA time.","start_word":3897,"end_word":3920,"sentiment":"positive","sentiment_score":0.4232769310474396},{"text":"Yeah. Absolutely. So what time WA time suits you for a phone call just to go through the updated advice Well, document? what's that? Two weeks there is different. So what what time Yeah. do you You guys are. open up? Look. Honestly, I will work early or late or whatever time suits you. I'll make it work on this end for you. Did you want because I believe so seven 08:00 your time is about 10:00 my time. 07:00 will be preferable if it's possible. Yeah. Absolutely. So 7AM WA time is eight. It's 09:00 my time on Yep. Tuesday, the second Yeah. of June. Yeah. No. Not a problem at all. Got I'll it. make that work for you.","start_word":3921,"end_word":4041,"sentiment":"neutral","sentiment_score":0.07561223208904266},{"text":"Absolutely. Thank That's okay.","start_word":4042,"end_word":4045,"sentiment":"positive","sentiment_score":0.4461870193481446},{"text":"So I'll go back you. and review your portfolio. I'll do up an advice document. We'll Appreciate definitely have to retain the I n g, but we'll do what we can to make it work, and that. we'll do another advice document, look at your investments, how everything is, and I'll let you know what we recommend. We can go through that together. I'll send it to you when I give you the phone call so you can see Yes.","start_word":4046,"end_word":4125,"sentiment":"neutral","sentiment_score":0.2386983335018158},{"text":"what I've recommended, how it works for you, the advantages, and then you're welcome to take it and read it before you sign it.","start_word":4126,"end_word":4149,"sentiment":"positive","sentiment_score":0.3446453809738159},{"text":"So if you go back to New Zealand and wanna, you know, read it while you're there, that's fine. And then you get to Yeah. decide whether you take on the advice at all. Does that sound okay?","start_word":4150,"end_word":4187,"sentiment":"neutral","sentiment_score":0.19498704373836517},{"text":"That sounds good. Thank you. Yep. Fantastic. Not a problem. And I'll make sure we get those beneficiary nominations out to you this afternoon.","start_word":4188,"end_word":4211,"sentiment":"positive","sentiment_score":0.4403174221515655},{"text":"And I'll also just let Michelle know to add the details for our local account there as well. Okay? Alright.","start_word":4212,"end_word":4231,"sentiment":"neutral","sentiment_score":0.2576143145561218},{"text":"Thank you so much. I appreciate Oh, not a problem at all, Casper. I it. hope you have a good week. Thank you. You too.","start_word":4232,"end_word":4256,"sentiment":"positive","sentiment_score":0.6203635334968567},{"text":"I'll talk to you soon. If there's anything else you need, please don't ever hesitate to give me a buzz. Okay?","start_word":4257,"end_word":4277,"sentiment":"neutral","sentiment_score":0.21031571924686432},{"text":"I will do. Thank you so much. No worries. Talk to you soon. Thank you. See you.","start_word":4278,"end_word":4294,"sentiment":"positive","sentiment_score":0.5059136152267456},{"text":"Bye bye. See you later. Bye.","start_word":4295,"end_word":4300,"sentiment":"neutral","sentiment_score":0.21621935069561005}],"average":{"sentiment":"neutral","sentiment_score":0.10182742054909263}}}}