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Anyway, our call is recorded. And security, full name, date of birth, and address, please. 6 16. Perfect. Absolutely amazing. So as I said before, the purpose of today's call is to go through and have an update, touch base with you, see if there's any areas of advice that you wanna ultimately look at, and and and sort of gauge where things are at for you and make sure that we're still on target to reach sorry. Hiccups. Yeah. Yeah. Okay. Perfect. So, specifically, we wanna look at where our insurances are sitting at the moment as well. Absolutely. We can do definitely do that. So, I guess the first thing I generally like to look at is just making sure, that our records are most up up to date. And the reason for that is is it it enables me to, I guess, identify anything that could possibly be an area for advice or, you know, make sure that everything's still kosher if there's been a significant change for you as well. Amazing. So what did our pay move up to? Fantastic. Because previously, we were sitting That's a bit of a pay increase. Well done. More responsibilities with it. Just finally come to the table. Perfect. And is that base income? Are there any bonuses or overtime or anything like that that you earn from that? Okay. Cool. Alright. So amazing. So I skipped ahead. I'm just gonna skip back. Cool. You've already confirmed your address, which is perfect. No change to, like, number of dependents, marital status, nothing like that. Perfect. And then with regards to your, I guess, occupation, has have you like, with the role, have you taken on any additional, like, duties and responsibilities, explosives operator? Okay. So operator is obviously hands on. Coordinate, I assume, goes halfway between the management of and the hands on. Okay. And then you've got your supervisor only, which is supervisor only. Not you still enjoy watching the things go boom? Yeah. That's completely fair. No. That's that politics is probably the only one I've got in that realm. I wish. Perfect. So the last the last record I have is that you're working above ground. Is that still the case? Perfect. And still with Rio? How long have you been with them now? Fourteen years with the same well done. I can imagine. What what's your what's your swing like? Are you sort of two on two off? Or okay. So yeah. I mean, that's not too too bad. That's a pretty good that's a pretty good swing ratio. Not yeah. Definitely. And can I ask how does like, are you paid fortnightly to deal with, like, obviously, your swing, or is it monthly? Monthly. Yeah. I always do. Which just is a pain. No. No. It I mean, it's six one half, not the other. It's just, like, your swing's obviously not the same as everyone. Some people, you know, depending on the mind, can do four in one or three in one or whatever the case may be. But a lot of the swings are very much, like, fortnightly, like, ratioed. So, like, you know, you got one and one or, in your case, you know, eight and six, which is a fortnight. So it would make more sense to pay on the fortnight because, otherwise, it's just I don't know. From a accounting background, it gets messy in the back end. No. I think they're just spending more on accounting than what they probably need to. Now with your increase in wage, have your expenses increased? Are you saving more now? Where does everything fit for you in that realm? Cost of living? Yeah. No. That's perfect. Because last record I I had was you obviously have the Yeah. No. That's fair. So your your wage is both savings and expenses. It's the the sole income coming in. Yeah. Okay. Absolutely. And how old are the the kids? Because I know you have two dependents. Oh, good age. Hard age. They're good. Yeah. Yeah. I've got three. My eldest is 12, so we're full blown into that that realm. Correct. Yeah. It's just I know. My youngest, like, my youngest just started school, and it's a blessing. Don't be wrong. Like, you know, everyone's at school and everyone's in the same location. But Right? But there's you know, to a degree, it's it's also a a bit of a pain because there's all these other external people. Yeah. Yeah. Great one. We start seven. I mean, not not back in my day. But Yeah. Yeah. So my 12 year old's high school, and I've got Oh, yep. See, I've got one of those silly households that's up the whole of the sun. All five all five of us are up by, like, 5AM. Yeah. So even the 12 year old, like, he's no he's pushing 13, but, yeah, even even him, he's he's not a normal teenager. He's he's up. Basically, I I I walk out the door at 04:30 to go for a go to the gym and go for a run, and he'll pop his head out and be like, oh, bye, mom. Have a great day. I'm like, go back to sleep. You're up at ten. Sorry. Oh, just doesn't settle? Yep. Yeah. I look. I can I can definitely appreciate it? I was that kid. I was, you know, two or 03:00 in the morning still reading a book. You'd be like, one one more page. One I'll just I'll finish this chapter. And then, of course, it finishes on a cliffhanger. You gotta finish the next chapter. Yeah. And then, you know, no friends. Just just books. Books on the weekends. And Yeah. Yep. Yep. Yep. They unfortunately do. Yeah. They they can spend some time on devices, and I know, like, my my kids you know, I've I'm an acreage kid. I grew up on a few acres. So I was you know, you're not inside the house. If you're inside the house, you're cleaning. You're out out the back. You're in the yard. You're doing something. You're playing. You're on a bike. So very much my kids are the same. It's not devices, but, you know, the older they get, the more push is there for their mates. So, you know, come on and play games and do this and do that. And so it's very, very different world, but it's very interesting at the same time to, I I guess, watch. Amazing. Yeah. I put no. That's good. I put my kids into taekwondo for the same reason. None of them are sporty, but gave them something to do. So oh, I love that. And with skateboarding, you can do it anytime, anywhere. So it works. Anyway, we've taught kids, but yes. With regards to your assets, I know that we've got the mortgage. We've got the block of land. There was a renovation debt that we had as well. Where do those figures sit now? Do you know what the house is valued at? Because I had about 1 0.2 previously. The market's obviously yeah. Yeah. I was gonna say it's probably probably up there. And do you know what the mortgage is sitting at? I had $403.40. Fantastic. Are we paying more than what we owe, like, more than the minimum each payment cycle? Okay. We're just meeting minimum. That's okay. And I'm assuming that would have definitely stopped once Sharon dropped off work. Shannon. Sorry. Yeah. Okay. Yeah. I took a re re relook at finances. Yeah. No. That's good. Yeah. And the block of land, would do we still own that? Have we Solved it. Okay. So can I ask when we sold it? Okay. Cool. That's absolutely fine. So Okay. Perfect. Perfect. That's okay. I will remove that. And I'm assuming we put that money back into our residence. Yeah. Amazing. Now the renovation debt, we're doing work to the shed. Do we still have a debt for that, or are we just spending what we can, I guess, afford as we go? Cool. Amazing. And it feels like a sense of accomplishment when you do it. So we've cleared definitely. I think one of the my favorite things about, like, owning a house is being able to install a toilet yourself and learning how to replace a washer and a tap, things that you never had to do. The the renovation debt, it was you you previously had a couple of tens of thousands. Have we cleared that off and the only debt we have is our mortgage, or is there any Perfect. So are there any other assets that we have apart from the mortgage? Any other, like, cars, boats, trailers? No. That's okay. Cool. So that's fine. Oh, they they they pull. They they are. Is it early than 2014 or later than? Nice. Perfect. And they're a really, really, really good car. I mean, apart from probably, like, the '90 series, like, the Toyota Prados are pretty decent. Perfect. Okay. So cash and bank, you said that you had pretty much exhausted that with Shannon being off work. So we're Okay. And we're just kind of living on that at the moment, putting that into whatever it is that we need to okay. Perfect. So it's just emergency funding. Amazing. Perfect. I was gonna say perfect. Okay. So State. Not really. No. So an offset account versus a redraw, a redraw can give you less flexibility depending on the, like, facility that you're using through the lender that you have. Your redraw facility could restrict you from being able to take, like, a certain amount each month. So you may be only, say, able to do, like, one one withdrawal or up to a certain amount. Whereas with the offset, it works in the same way, but you can touch it as much as you want, generally. Yeah. So more than likely, it's a full offset account. Because some some providers will actually allow you to have multiple offset accounts. So, theoretically, you could have, you know, your wages going in. They can. Yeah. One of the things, yeah, one of the things that you can look at doing that some people do, and it's look. It's not really my area of of finance. It's it's definitely a broker's. But I can definitely I can still model it for you. But, obviously, I can't give you a recommendation on which provider or lender would be best appropriate, is that you have a you know, you obviously have your mortgage account, which is where you put money into to actually physically pay the mortgage down. Obviously, anything additional that you put on the mortgage apart from the minimum pulls down the actual principal that you owe. If you make the minimum, then you obviously pay off principal and interest at the same time. Makes sense. With an offset account, what you're doing is you're basically temporarily reducing the amount that you owe, so the principal of the loan for the the amount of time that that money is sitting in the offset. So theoretically speaking, with the fact that you get paid monthly and that you would then live off your income over the month, if you got paid into your offset account or you had an offset account set up, your monthly income got put into that offset account. Because interest isn't accrued daily, not monthly, it's charged monthly, but it's accrued daily, for the amount of time that that money is in the account, it actually reduces the amount of interest that you have on your loan. Yeah. Yeah. Very quick. Yep. Beautiful. Absolutely beautiful. Yeah. No. Absolutely. And so long as you live within your means and what you can pay off on the credit card, it's not an issue, and pay it by the end of the month. Correct. Then it becomes a loan. Yeah. What you have the the thing is. Oh, I love that's so you have to pay for your own flights. Okay. So yep. Oh, that's cool. So it's like the company pays for it, but the points are accrued to you. Oh, that's nice. That's a nice little perk. Being away from your family sucks, but it's a nice little perk. Can I ask, what's the credit card value? Cool. So that one is Yes. Yes. Yeah. Otherwise, the temptation to possibly spend can be there. Yeah. Yeah. Remove the risk. Yeah. Just remove the risk. Absolutely. Perfect. Okay. Now health wise, has anything changed? I know that you had a head injury twenty two years ago, back in o four. Has anything else changed? Any medications that you're taking? Anything to that realm? Perfect. And we haven't picked up smoking at all? No. Perfect. Amazing. So with regards to all of that, that's fantastic. The one thing I did want to know that I don't have on file at all is, I guess, with regards to estate planning, I do know that you previously didn't have a will. Have you put one in place over the last few years? Or or no. No. That's okay. And I'm assuming it it is something that should be considered. So we with estate planning, and I I I generally I mean, we'll go off about, but that's okay. With with the assets that you hold, some of those, depending on how they're owned, can be considered a state asset. So your primary residence, it's owned by the two of you. So more than likely, it's owned jointly by the two of you, which means that upon the passing of one, the other would assume ownership a 100%. So the house, therefore, would not form part of the estate. If if there's any bank accounts that are owned individually, they've become a state asset. If there's cars, trailers, or boats that are owned individually, they become a state asset. And that's where a will steps in is that a will enables any of those individual assets to be able to be passed to whoever it is that you're wanting to. Like, a lot of the time when there's, you know, when you're a a singular, I guess, nuclear family, let's call it, there's not gonna be a lot of external, you know, people contesting a will. But when you have your slightly messier families, a will definitely comes in handy to be able to make sure that there's clear. Yeah. Yeah. Yep. Yeah. Yeah. No. And that's that's absolutely fine. So if if you're confident that you that that basically things are all under control, then that's fine. Absolutely. I guess the the biggest part is is that banks transitioning bank accounts over into an individual name can become hard without a will purely purely because privacy laws still stand even after someone has passed. And superannuation companies, insurance funds, and and banking banking institutions can make things difficult if there's no executor named. And that's really what it comes down to is naming an executor. There's obviously in a will, there's executives and beneficiaries. The executor is a person that is honoring the deceased's wishes, and the beneficiary is the people that are getting the money. So, like, for example, say, in your case, you may make your wife an executor and a beneficiary. There's not not anything wrong with that, providing, you know, she has the mental fortitude to be able to deal with it all upon your passing along with the kids. Some people choose to make a mate, a brother, a friend, you know, the executor, so that way your wife can just deal with everything that has to happen. But it's all personal preference on that front, really. There are obviously it's so far down the list. I get it. It it took me until my kid was 10 or 11 till I finally got mine in place, and I've been saying it since just as long as he was alive. So I completely understand it. It is low. It's just always something that I like to raise because the assets that we're talking about do and can form part of the estate. Now the I guess the best thing we can do, and it's, you know, nice and easy, is make sure that, obviously, your wishes are honored with your super fund, then your wishes are honored with your insurer to ensure that if anything happens, those benefits go pretty quickly to who you're wanting it to go to. And that's, you know, beneficiary nomination forms and stuff like that. So we'll definitely double check those to make sure that they're still honoring your wishes and go from there, if that makes sense. Cool. So with respect to, I guess, your super and your insurance since we're now touching on them, your superannuation fund is is Hub twenty four. It's where where your your superannuation is invested, where everything's sitting. Now with your super, it is invested in the market. So what happens is you purchase specific assets, and those assets, you know, perform as the market performs. Now the assets that you hold, majority of them are doing really well. There is one that has underperformed a little bit that I have been migrating my clients out of slowly, and it's just because it's a what's called a high conviction fund. So it's a it's a Australian equity spend along asset. And spend along that that fund, basically, they they put they purchase stocks and shares within that within that fund itself. And then, generally, what they're supposed to do is make small movements as the market varies. That fund, they are high conviction funds, and, basically, they stand back what they're invested in. Now, traditionally, it has done really, really well. Previous market volatility has seen it drop, and they're just not making the choice to make any moves on that fund. So my trust in that as an as an equity and as a fund as in itself has started to waiver, and I am moving my client out of that fund because I don't wanna see, you know, something that isn't gonna bounce back continue to be on on, you know, a whole portfolio. So what I would really like to do, and I guess this is me pushing more so than you requesting, is definitely a bit of an update to the portfolio as a whole to cater for that asset. As I said, everything else is looking really, really good. You know, you diversified across not only, you know, equities and and different sectors, but also within asset classes as well. It's just that one asset that's really, I guess, weighing things down. Your balance sits today at at $247,000. So it has had a little bit of a drop over the last month or last couple of weeks, I should say, just with the current things that are happening. And it's it's standard when whenever we You do have I can't account for previous to the hub account. But, you know, from, like, where the account sits now, it's been going really well. I'm just looking over. Oh, I've seen a lot lower. It it's, yeah, it's actually not too bad. Really breaking that, like, quarter 1,000,000 bracket is the hardest leg. Once you break that because, obviously, more money makes more money. So the more you have invested in the market, the more it starts compounding and moving. It's breaking that quarter mil. Once you break that, it does start really compounding and and making a massive difference. Because if you think about it, you know, 10% on on 250,000, you've got yourself 25 growth over the year. So it's it's just about those those different, like, legs. You Yeah. Yeah. So it will all depend to oh, to the tax brackets. Yes. 47%. Yeah. So currently, you're sitting in I know. It was 45 plus 2% levy 2% Medicare levy, but, yep, 47%. Currently, you're sitting in the 39% bracket. So every dollar that you earn over a 135,000 is charged at 39¢ tax wise. Yeah. So tax brackets work. So, basically, not that they pay it this this way because otherwise it'd be really confusing for people as they get, you know, through the year. It's averaged out. But, basically, the first $18,200 that you earn in any financial year is tax free. Right? So let's just say, for example, say, in the year you went and earned $18 in one month, you would pay tax on that money straight up because it would be assumed that in that month, you were gonna earn $18 each month following through. So they would gross it up and say, oh, well, you're gonna earn, you know, $200,000. So therefore, we're gonna charge you at what is appropriate for that amount of money. Now, obviously, if you only earn that $18,000, you would go into your tax return. You get all that money back on your tax return. So the next bracket up from there is, like, 18,201 through to 45,000, and that's 16¢ on every dollar over 18,000. Then it's 45 to $1.35 at 30¢, and then it's $1.35 to $1.90, which is your 37 slash your Medicare, and then it's $1.90 and over, which is your 40 5. Mhmm. Yes and yes and no. It all just depends on, obviously, your cost of living. So when it comes to salary sacrifice, there are a couple of considerations. The first consideration is how much you're allowed to actually contribute, which you're only allowed to contribute up to $30,000 in any financial year under some certain rules. Now there are ways that you can utilize previous years, what they call contribution caps, to be able to put more in, but the other consideration is is your actual living expenses. If you're currently living on the net of a $185,000 for your family putting nothing into savings, then there's not really any room for you as a family to put money into your super. While it is another savings account, it's a savings account you can't currently live on. So that's the probably the biggest immediate consideration that needs to be made is can you afford to put money into your fund under salary sacrifice, and what does that sort of look like? So you could turn around and say, I can afford, say, $300 a month that I would lose. Now what I would do is I would say, cool. That's $300 a month net that you're happy to forego out of your net income. What does that convert into from a gross perspective? Because it would come out of your gross income before tax comes off it. And that's what I would do, but you would need to make the consideration. Yeah. Because currently, your employer on, like, the 185, your your employer like, Rio Tinto would put $2,222,200 into your fund on your behalf. So you're just you know, you're basically $7,800 away from hitting that cap, but you've never earned to the point where you could where you would still have room in those contribution caps from the last five years that we could we could use. So if you ever got, like, say, a lump sum payout, we could probably put some money in that way. In terms of other, I guess, investments, none of them are really as tax effective as super contributions. But, again, investing personally, you have access to it. So, you know, the 15,000 that you have currently in the offset, it's in the offset, but it's only offsetting, say, the, you know, the four and a bit percent or the 5% interest that you would accrue on your mortgage. You could invest that 15%, and you could get 6%, 7%. You could also drop and only earn two or 3%. So it's depending on the risk level that you're willing Yeah. So whether you're Yeah. Yeah. And that's and that's sort of, I guess, the the consideration of the question. Yeah. Mhmm. Yeah. Which is completely fair. Two thousand and '1. Yeah. Yep. Yeah. If you if you look if you look back far enough, you'll you sort of see the cycles. It's, you know, o one. There's o o seven to o nine. Then you got COVID in 2021 where you've got your big dips, but you also see the pop back up on the other side. So whilst, yeah, they do dip. Yeah. And even if you look back on, you know, thirty, forty, fifty years, you even see, you know, through, you know, the walls and stuff like that that they it does obviously take effect. But right now, what you can take confidence in is that this is money you're not touching. It's money that's invested, and we wanna make sure it's obviously making the most for you, but it's not money that's taking away from your cost of living. Yeah. So, yes, con contributions additional, definitely going to help, especially at the moment where you can buy in low while the market has had a drop, but you need to service the family and make sure that you can actually put food on the table. Yeah. So probably not a consideration for right now, but fingers crossed Rio Tinto give you that pay rise, and you'll be good. Yes. Now I've been talking and not looking up what I wanted to look up while I was talking because I got distracted. Crazy. I'm a woman, but I'm terrible at multitasking today. Does happen from time to time. Where was it? I downloaded your insurance statement earlier. It's sitting over, if I remember correctly. I'm just pulling it up. Yes. Yeah. Yeah. Yeah. What does the family get out of it? Yeah. Definitely. Yeah. So you've got in life insurance, you've got 1.59. So 1,000,000 590. I'll send it to you anyway, but definitely. Yep. So life insurance is $1,591,348.96. We're gonna be specific. Total and permanent disability is of the same amount. So 159134896. So to define them, life insurance pays out if you were to pass away or be diagnosed as terminally ill. Total permanent disability pays out if you were totally and permanently disabled, not able to work in any occupation in which you were trained qualified or have experience in. Income protection, you have a ninety day waiting period. So if you're off work for ninety days, then your policy can pay you for up to five years. So it's a five year benefit period, and you're paid $13,909.16 a month. One three nine zero nine and sixteen. Per month. Yes. Premium. Mhmm. Policy? Yes. Yep. Yes. Yep. Yep. Mhmm. Twelve months. Full pay. Okay. Yep. Okay. Premiums? Yeah. That's like So I guess, yes, we can definitely change things, and it will affect the premiums. The I guess the there's a couple of ways we can change the policy. One of the ways would be to to drop the benefit period. So it's currently a five year benefit period. You could drop it to two years, and that would that would bring the premium down. I'd have to quote it to find out exactly what it would drop the premium to, but it would would definitely help. Or the correct. Yes. It won't help in that way. There is one benefit I haven't touched on yet because it falls a little bit outside of life TPD and IP, and that's trauma policy, which you're insured for $318,269.79. That's a lump sum payout that would give you money if you are battling cancer. That that Yeah. No. It's like medical trauma events. So, like, if you fell off a ladder and you severely impacted your brain, yes. If you there are some side benefits that, like, if anything had happened or if you did fall off a ladder, like, call me and, you know, so long as it's significance ish, like, if you just got a gas on your legs, no. But if you're, you know, bed bed bound for, you know, two weeks because of it, then give me a call because there are benefits that we could probably look at claiming under that. It's very situational that we'd have to sort of talk about, and I have to look at and pull apart the PDFs to make sure. Yes. Nope. No. No. Do you enjoy it? No. No. If you were you were rock climbing or whatever the case may be, absolutely fine. Not not an issue. You could be doing whatever it is that you're doing. It's whatever you're doing in your normal life. So let's just say you're up on the roof, fixing the roof of the the house, and you fell and something happened to you. You're covered there. If if if it's just anything in that realm that could possibly happen irrespective of whether you're at work or not. Now, obviously, if you're at work, work does help, but I don't know if you've ever been a part of or watched any of the guys go through a work cover claim. They do start dropping off in benefits. So, generally, they pay a 100%, and then it eventually drops to 90 and then 85 and then 65, and then they pay you out. And it doesn't give you, you know, any sort of longevity, which is where the secondary IP policy can kick in and where your TPD comes into effect if, you know, you're long term never able to work again. That 1.5 is obviously gonna pay off a little bit of mortgage and set you up with a massive lump sum. But if we ever went to claim, we could definitely look at what that would look like for you. Now premium I've skipped over it. So sorry. Premium is from your super fund for the life PPD and and IP is $1,896.60 per annum. So $1.08 $9.06 and 60 per year. And then, no, it's actually quite reasonable. I've even triple checked when I had a look at it because I wanna have a look at it. Like, I probably need a couple more questions to do with your job. I do wanna look and see whether we can get an occupation rating change to it. It is hard with Resolution Life just because they are what's called a grandfathered book. Like, they're no longer Resolution Life sold their book. Oh, how long ago? Past a decade? More? Yeah. Probably about six six, seven years ago? Yes. Yes. So it was used to be called AMP Elevate, and they transitioned to Resolution Life and then grandfathered and sold their books. They sacked 90% of their workforce, and they only have a very small, basically, claims team that they that that work for them now. They just they got to a point as a as a insurer that they got they hit their cap. They weren't gonna insure any other people because the risk having reinsurers and underwriters and everything like that, they just made the decision that they weren't gonna write anyone. I love Resolution Life. Don't get me wrong. Like, in no way, shape, or form am I saying the product's not great. It is a fantastic product. And especially for someone in your occupation, they are pretty much the only people that will ensure your occupation. There's not really any anyone on the market that do. Yeah. Yeah. No one really ensures your your occupation. But I can definitely have a look to see whether there is something, and I sort of already wrote in my notes to have a look. It just sort of depends on, I guess, the percentage of how much you work with explosives now versus how much you did previously. Generally speaking, they kind of consider any explosives as explosives irrespective of percentage. And there's probably not gonna be a lot of movement, but it's still something I wanna look at anyway. Just I think not bad. Yeah. You yeah. No. You know, definitely not bad at all. You are paying for the trauma policy out of pocket, though. Let me just flip over to that policy because it's, like, 180 something. Sorry. I had it up. Yeah. Go back. $181.31, and that's for the trauma policy. For the trauma policy that's monthly. Yes. Yes. Yes. Yes. Sorry. Yes. Let me 131 2. No. You're okay. 217572. 217572. Okay. Definitely. Did you want me to look at, like, decreasing the policy? Are you happy and comfortable with where the policy sits at the moment? I Okay. I do know that, like, your income protect anything happens. Definitely. I'm more than happy, I think. Oh, well, you know, it doesn't replace, but I guess it helps. The one thing I did note when I was looking at everything and your income changed, so I was doing the math before, is that your income protection policy has increased a little bit further than what you would actually be able to claim on. So you know how I said you were insured for $13.09 $0.09 and cents? Your income at a 185 for the policy only enables you to be covered for up to 75% of your income, which 75% of your income is actually $11.05 62 per month. So we can drop the income protection. It's gonna increase again down the line. In a benefit. Yep. Yep. Because you can't be better off under claim than what you were working. Yeah. Frustrating. I know. So we can drop it's increased over time. So the policy CPIs and it increases. So it's increased over the last couple of couple of years, and it's popped just a little bit over. The last couple of increases, it's just been enough to push it. So it's just something that I mean, it was a lot higher, but you've obviously had that pay increase, so it's leveled out a little bit. It's something that I did wanna raise with you and look at when we were looking at the insurance is just to at least drop that income protection. The other consideration is that if we don't drop it and your income increases or we do drop it, sorry, and your income does increase, you'd be getting less than what your new income could possibly be if that made sense. Yep. Yep. Yep. It depends on how it depends on how work pays you. If work's just paying you every month as if you were working, then no. The IP policy would kick in after. Yeah. So you would just continue to get the pay from work first, and then the IP policy can kick in. No. No. Just like you can't double dip work cover with income protection either. They have to sit back to back. It's the same as if if you had sick leave, long service leave, annual leave. You could choose to use that up prior to your IP policy kicking in. You could use that leave up during the ninety day waiting period, and then the IP policy can kick in. But It'll reduce yeah. Yeah. 100%. It'll reduce what you pay. I'd have to look and see whether Resolution Life dual one year waiting periods. They used to back in, like, a decade ago, but I'm not sure what they offer at the moment because a lot of insurers removed their six month, one year, two year waiting periods because people that are not supported for a long period of time, you know, when they're ill or injured, generally end up going on really long term claims. So insure sure as an industry made the determination to shorten waiting for only offered short waiting periods. So that way, basically, people would go on claim earlier, and then there's, you know, services that are offered through them under claim. I can definitely look at it and see what how it affects the premium. But in saying that, you did say that your your your work changed their poll their their leave their sick leave policy. So do you have confidence that they won't change their sick leave policy in the future? Okay. So, I mean, if you're confident, I can definitely look at it and see whether they offer and what the what the basically longest term. Yeah. Yes. Correct. Yeah. Yeah. Industry standard is ten ten sick and 20 annual. So they're definitely sitting above. But, yeah, I can I can definitely have a look and and quote it up and see what what is offerable? Yeah. We're not talking $10. Yeah. Alright. Cool. I will investigate it and see what's offered there. Now I I wanna confirm that your wife sorry. The hiccups. I wanna confirm that your wife, Shannon, is 100% the beneficiary on your life policy. That's still definitely the way you wanna hold it. Yep. Perfect. Just thought I'd ask the question. It's actually really it it gets messy, but I it's it's actually kind of interesting. It it depends on survivorship laws, which you're in WA. So not a 100%, but I know that Queensland survivorship laws, and I'm pretty sure it's pretty much across country, is it's if you die at the same time, it's assumed that the older of the two passed away first, which means that the state of the older migrates to the yeah. So it means that the that your like, if you were older, your assets would might like, would basically settle onto Shannon, and then Shannon assets would settle onto wherever it needs to settle from there. So it's not that they both get get implemented at the same time. It's that it actually has to settle first to her and then then to someone else. With the superannuation fund, look, realistically, the kids are probably gonna be the prime candidate for it, but it does become a little bit messy. Yeah. I think because the kids are so young, the biggest probably point to make is that, like, your your wills can literally mirror each other. I went and got a will. Me and my husband got one done for a grand, and we got two wills and two power of attorneys drawn up. So four documents for a thousand dollars. So it wasn't break the bank money. They're wrong. You know, it wasn't expensive to live without, but it wasn't ridiculous. And then Mira will, so it means that if he passes away, everything comes to me and vice versa. If neither of the neither of us is surviving, then one of my poor sisters ends up with three kids and all their assets and blah blah blah blah per our wishes. And that's probably the biggest part that you need to consider is that what happens with the kids and who becomes their guardian, which is something that you can make a decision in on the will. Yes. Winning. Yeah. Yeah. Well, I mean, more kids the merrier in my book. Once you once you hit the couple Yes. I'll I'll need it. Now the one thing that is missing is while your insurance policy has the nomination made on it, your super fund doesn't. So I wanna get a beneficiary form out to you so you can fill it out, and we can pop it on the fund. So your super fund your super your super or the insurance policy can either form part of the estate or can be held outside. So it means that the super policy currently, because there's no nomination, it's an estate asset. It will be assumed that you have a will, and the will will the the will is the document to follow. You don't, which means you're passing away intestate, which means that the money has to go through blah blah blah and all the, you know, fun things that has to go through. Realistically, because it's superannuation, your wife's gonna be the forefront, you know, contested for the money. But the the the nomination document just makes things a lot smoother from a claims perspective. And it's something that we can put on file, set and forget. We remind you of it every year and just be like, it's this, which is still the standard, and you say yay or nay. And if we ever wanna update it, we can. Yeah. I don't know. So you can nominate the kids because your children will always be what's considered assist dependent, which is the superannuation industry legislation, your your children will always be assist dependent. Your children, once they turn 18 and or become nonfinancially dependent, so between 18 and 25, could have a tax element to it because they're non tax dependent, whereas your wife will always be a tax dependent while you're married. So there's tax considerations for any benefit from your super funds beneficial to go to your wife. But let's just say for argument's sake, something happened to you sooner rather than later. All you're doing to your wife is making her go through three sets of documentation rather than one. And, essentially, she's the one that's gonna end up with the money because she is the guardian for the children right now. So the money would just go to her through a full documentation for the kids. Unless you had a trust set up where the money went to the trust and she would say, you know, the trustee for it and could control where it went and how it was dealt with through the trust and the trust documents. Essentially, from the super funds, the money just goes to your wife, and she uses it to support and look after your kids. So it's probably more of a conversation. There's no without having a will or a trust or specific setups? Not really. Like, your your position is really simple, so it's it's good. You know, me personally, I didn't wanna pay the $5 to to put a a a trust together. What I did was I wrote a letter to my sister in the event that both of us passed away, put it with my will, and it basically stipulates that I want x amount of money to be put in a savings account for each of my kids to be given to them on their 20 birthday. That's all it says. The rest of the money is yours. The rest of the assets is yours. That's they're they're my wishes. Put that amount of money away, and that's that's my legacy to my kids because I know that, you know, while my kids are all very young, everything I'm leaving has to be used to raise them. So you could do something similar if there's, you know, if that's what you wanna do, or you can go through the the the trust position. But, realistically, right this second, the biggest thing is is just get the nomination on file. Really just nominate your wife. There's no no requirement to nominate the kids. If anything happens in the future, sure, we can definitely revisit it. But a nomination to to Shannon is is much better than trying to split it three ways and make the paperwork three times harder. Cool. Amazing. Now I guess we've talked a lot. I have. I wanna know if there's anything else that you have question wise. I guess, actions for me at the moment is to send you the beneficiary form. I'm gonna have a look at other investment options to the Superfund, and then I'm gonna look at the insurance policy just to see what it looks like if we do extend it. Is there anything else you wanna look at or talk about? Amazing. Yeah. Yeah. Yeah. Just yeah. Just over. $4. Yeah. Yeah. And if if you wanna change them, like, don't be wrong. It's a lot easier to reduce them than it is to increase them. And in your position, I probably wouldn't need increase. If you do wanna reduce them, we definitely can. So if you wanna, you know, drop down the the trauma policy so it's taking less of an impact on your back pocket, put more money into your savings from that perspective, that's definitely something we can do. It will. Yes. It will increase each year as you get older. It's no. It's it's percentage per year. It's pretty standard. It's based on, like, CPI or a limited CPI. It's not full. I I can I'll when I'm doing the research with the the income protection, I'll see if I can pull a future premium projection as well. Okay? And I can just pop that as we migrate through. I'm just sorta I guess I'm just putting considerations forward because I like, you are on one one occupation. So I don't want, you know, things to cause massive issues for you cost of living wise because I don't know if you know, but the fuel's pretty expensive these days. No. No. No. No. Not at all. Right? Perfect. Alright. Well, what I'll do is I'll get cracking. If you give me a couple of yeah. It's $22,200 per annum. So, yeah, just the 1,800. Yes. Yeah. Yeah. That's definitely a way of putting it. Yeah. No. I love it. Perfect. Amazing. Mhmm. There there's different there's different claimable events. So they can be. The big the biggest claim buckets for a trauma policy are heart attacks, strokes, neurological conditions like your Parkinson's, Huntington's, muscular dystrophy, and then your cancers. So they're your big four buckets. So, like, it's your cardiovascular, neurological cancers. They're your massive claims. It'll pretty much almost get you to the point of a full claim every time. Some cancers, depending on the grading severity, may see a partial. For example, testicular cancer, you know, grade, like, stage two removed and the cancer's done could get you a partial. In terms of any other, like, specific events, it's event specific. I can definitely look at what would be claimable under those conditions. Each provider's different, and it's not something I keep as a traveling encyclopedia, you know, for the 15 different insurers exactly what is claimable. But there is there are there can be, I guess, is probably the best way to put it. There can be claims that that fall outside of those buckets. For loss of limb temporarily, you know, you could have, you know, severed fingers, arms broken. There are things along those lines that can fall into it. It just depends on whether your policy does cover it. But as I'm as I'm looking through the insurance IP, I'll put together from your because your policy is older, which don't get me wrong, in this day and age, it's better. I can put that together too. Of course. Exclusion? Yep. Yep. To remove it. Yeah. No. There's there's no exclusion on the policy at all. So an exclusion is where they do not pay for it. So there's not an exclusion on the policy. So, yeah, you're all kosher on that front. Mental health? No. I mean, let me I can I'll contact them and and have a look, but I cannot currently see an exclusion. Yeah. Yeah. But, generally speaking, insurers, if it's been an extended period of time since the event occurred when you take out the policy, then they're fine. If it's a one off event, it's fine. If it's there's a difference between acute and chronic, acute being because an event occurred that another reasonable person would also feel, you know, attached to versus chronic being something that's long term. Yeah. I I will definitely double check, and I will include it in the email when I get all the data through. But I I can't see an exclusion at all for either mental health or for a brain injury, but I will double double check. Yeah. Yeah. You you you were ensured that the exclusion was removed or that it was included in the Volusia. Yep. Everything's fine. No. That's good. Oh, perfect. Alright. Well, I've got a little bit of homework to do, which fantastic. You'll get an email from me. It'll probably take me a couple of weeks to get an answer from ResLife or Resolution Life just with regards to, like, the quotes and stuff like that. So I will send you an email through with the details when I get it. I haven't forgotten. It's just gonna take time to get it from them. And, otherwise, I will include the trauma claims just so you have a little bit more in-depth, I guess, information on what is actually claimable, what what partial claims are available under your policy as well. And I will double check on the exclusions and ensure that they're definitely 1000% on none. Yes. Yeah. No. That's absolutely fine. I am more than happy to schedule in an appointment if she knows what availability. Absolutely. I I will send a text message to her after this to try and schedule in a time that will work. Absolutely. Now what I'm gonna do is I'm gonna send you a pack via email, and it's just gonna have a bit of a a summary on, like, where things fit, balance the figures that we we just ran through and you broke down. I did tell you I was gonna email it to you. I'll send that through to you so that way you have that. It also has our ongoing service agreement. So It they generally go hand in hand, feisty and calm. It works. So I will send you that email. Now we've changed our CRM or our our our data system, and it's all integrated with, like, any of our our email systems. So if it goes to your junk inbox, don't be surprised. But I am sending that now, so you'll get it within the next few minutes. Okay? That's okay. And, otherwise, I'll touch base with you in a couple of weeks to just have a chat about the investment changes that I recommend after I do my little investigation. Cool. Perfect. Well, if there's any questions, feel free to reach out. But, otherwise, have a fantastic afternoon. Thanks, Greg. 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Craig. Sorry about that. I don't know what happened. No. That's okay.\n\nI was like, hello? Hello? And then I looked at the phone. I was like, nope. It's just totally gone.\n\nAnyway, our call is recorded. And security, full name, date of birth, and address, please. 6 16. Perfect. Absolutely amazing.\n\nSo as I said before, the purpose of today's call is to go through and have an update, touch base with you, see if there's any areas of advice that you wanna ultimately look at, and and and sort of gauge where things are at for you and make sure that we're still on target to reach sorry. Hiccups. Yeah. Yeah. Okay.\n\nPerfect. So, specifically, we wanna look at where our insurances are sitting at the moment as well. Absolutely. We can do definitely do that. So, I guess the first thing I generally like to look at is just making sure, that our records are most up up to date.\n\nAnd the reason for that is is it it enables me to, I guess, identify anything that could possibly be an area for advice or, you know, make sure that everything's still kosher if there's been a significant change for you as well. Amazing. So what did our pay move up to? Fantastic. Because previously, we were sitting That's a bit of a pay increase.\n\nWell done. More responsibilities with it. Just finally come to the table. Perfect. And is that base income?\n\nAre there any bonuses or overtime or anything like that that you earn from that? Okay. Cool. Alright. So amazing.\n\nSo I skipped ahead. I'm just gonna skip back. Cool. You've already confirmed your address, which is perfect. No change to, like, number of dependents, marital status, nothing like that.\n\nPerfect. And then with regards to your, I guess, occupation, has have you like, with the role, have you taken on any additional, like, duties and responsibilities, explosives operator? Okay. So operator is obviously hands on. Coordinate, I assume, goes halfway between the management of and the hands on.\n\nOkay. And then you've got your supervisor only, which is supervisor only. Not you still enjoy watching the things go boom? Yeah. That's completely fair.\n\nNo. That's that politics is probably the only one I've got in that realm. I wish. Perfect. So the last the last record I have is that you're working above ground.\n\nIs that still the case? Perfect. And still with Rio? How long have you been with them now? Fourteen years with the same well done.\n\nI can imagine. What what's your what's your swing like? Are you sort of two on two off? Or okay. So yeah.\n\nI mean, that's not too too bad. That's a pretty good that's a pretty good swing ratio. Not yeah. Definitely. And can I ask how does like, are you paid fortnightly to deal with, like, obviously, your swing, or is it monthly?\n\nMonthly. Yeah. I always do. Which just is a pain. No.\n\nNo. It I mean, it's six one half, not the other. It's just, like, your swing's obviously not the same as everyone. Some people, you know, depending on the mind, can do four in one or three in one or whatever the case may be. But a lot of the swings are very much, like, fortnightly, like, ratioed.\n\nSo, like, you know, you got one and one or, in your case, you know, eight and six, which is a fortnight. So it would make more sense to pay on the fortnight because, otherwise, it's just I don't know. From a accounting background, it gets messy in the back end. No. I think they're just spending more on accounting than what they probably need to.\n\nNow with your increase in wage, have your expenses increased? Are you saving more now? Where does everything fit for you in that realm? Cost of living? Yeah.\n\nNo. That's perfect. Because last record I I had was you obviously have the Yeah. No. That's fair.\n\nSo your your wage is both savings and expenses. It's the the sole income coming in. Yeah. Okay. Absolutely.\n\nAnd how old are the the kids? Because I know you have two dependents. Oh, good age. Hard age. They're good.\n\nYeah. Yeah. I've got three. My eldest is 12, so we're full blown into that that realm. Correct.\n\nYeah. It's just I know. My youngest, like, my youngest just started school, and it's a blessing. Don't be wrong. Like, you know, everyone's at school and everyone's in the same location.\n\nBut Right? But there's you know, to a degree, it's it's also a a bit of a pain because there's all these other external people. Yeah. Yeah. Great one.\n\nWe start seven. I mean, not not back in my day. But Yeah. Yeah. So my 12 year old's high school, and I've got Oh, yep.\n\nSee, I've got one of those silly households that's up the whole of the sun. All five all five of us are up by, like, 5AM. Yeah. So even the 12 year old, like, he's no he's pushing 13, but, yeah, even even him, he's he's not a normal teenager. He's he's up.\n\nBasically, I I I walk out the door at 04:30 to go for a go to the gym and go for a run, and he'll pop his head out and be like, oh, bye, mom. Have a great day. I'm like, go back to sleep. You're up at ten. Sorry.\n\nOh, just doesn't settle? Yep. Yeah. I look. I can I can definitely appreciate it?\n\nI was that kid. I was, you know, two or 03:00 in the morning still reading a book. You'd be like, one one more page. One I'll just I'll finish this chapter. And then, of course, it finishes on a cliffhanger.\n\nYou gotta finish the next chapter. Yeah. And then, you know, no friends. Just just books. Books on the weekends.\n\nAnd Yeah. Yep. Yep. Yep. They unfortunately do.\n\nYeah. They they can spend some time on devices, and I know, like, my my kids you know, I've I'm an acreage kid. I grew up on a few acres. So I was you know, you're not inside the house. If you're inside the house, you're cleaning.\n\nYou're out out the back. You're in the yard. You're doing something. You're playing. You're on a bike.\n\nSo very much my kids are the same. It's not devices, but, you know, the older they get, the more push is there for their mates. So, you know, come on and play games and do this and do that. And so it's very, very different world, but it's very interesting at the same time to, I I guess, watch. Amazing.\n\nYeah. I put no. That's good. I put my kids into taekwondo for the same reason. None of them are sporty, but gave them something to do.\n\nSo oh, I love that. And with skateboarding, you can do it anytime, anywhere. So it works. Anyway, we've taught kids, but yes. With regards to your assets, I know that we've got the mortgage.\n\nWe've got the block of land. There was a renovation debt that we had as well. Where do those figures sit now? Do you know what the house is valued at? Because I had about 1 0.2 previously.\n\nThe market's obviously yeah. Yeah. I was gonna say it's probably probably up there. And do you know what the mortgage is sitting at? I had $403.40.\n\nFantastic. Are we paying more than what we owe, like, more than the minimum each payment cycle? Okay. We're just meeting minimum. That's okay.\n\nAnd I'm assuming that would have definitely stopped once Sharon dropped off work. Shannon. Sorry. Yeah. Okay.\n\nYeah. I took a re re relook at finances. Yeah. No. That's good.\n\nYeah. And the block of land, would do we still own that? Have we Solved it. Okay. So can I ask when we sold it?\n\nOkay. Cool. That's absolutely fine. So Okay. Perfect.\n\nPerfect. That's okay. I will remove that. And I'm assuming we put that money back into our residence. Yeah.\n\nAmazing. Now the renovation debt, we're doing work to the shed. Do we still have a debt for that, or are we just spending what we can, I guess, afford as we go? Cool. Amazing.\n\nAnd it feels like a sense of accomplishment when you do it. So we've cleared definitely. I think one of the my favorite things about, like, owning a house is being able to install a toilet yourself and learning how to replace a washer and a tap, things that you never had to do. The the renovation debt, it was you you previously had a couple of tens of thousands. Have we cleared that off and the only debt we have is our mortgage, or is there any Perfect.\n\nSo are there any other assets that we have apart from the mortgage? Any other, like, cars, boats, trailers? No. That's okay. Cool.\n\nSo that's fine. Oh, they they they pull. They they are. Is it early than 2014 or later than? Nice.\n\nPerfect. And they're a really, really, really good car. I mean, apart from probably, like, the '90 series, like, the Toyota Prados are pretty decent. Perfect. Okay.\n\nSo cash and bank, you said that you had pretty much exhausted that with Shannon being off work. So we're Okay. And we're just kind of living on that at the moment, putting that into whatever it is that we need to okay. Perfect. So it's just emergency funding.\n\nAmazing. Perfect. I was gonna say perfect. Okay. So State.\n\nNot really. No. So an offset account versus a redraw, a redraw can give you less flexibility depending on the, like, facility that you're using through the lender that you have. Your redraw facility could restrict you from being able to take, like, a certain amount each month. So you may be only, say, able to do, like, one one withdrawal or up to a certain amount.\n\nWhereas with the offset, it works in the same way, but you can touch it as much as you want, generally. Yeah. So more than likely, it's a full offset account. Because some some providers will actually allow you to have multiple offset accounts. So, theoretically, you could have, you know, your wages going in.\n\nThey can. Yeah. One of the things, yeah, one of the things that you can look at doing that some people do, and it's look. It's not really my area of of finance. It's it's definitely a broker's.\n\nBut I can definitely I can still model it for you. But, obviously, I can't give you a recommendation on which provider or lender would be best appropriate, is that you have a you know, you obviously have your mortgage account, which is where you put money into to actually physically pay the mortgage down. Obviously, anything additional that you put on the mortgage apart from the minimum pulls down the actual principal that you owe. If you make the minimum, then you obviously pay off principal and interest at the same time. Makes sense.\n\nWith an offset account, what you're doing is you're basically temporarily reducing the amount that you owe, so the principal of the loan for the the amount of time that that money is sitting in the offset. So theoretically speaking, with the fact that you get paid monthly and that you would then live off your income over the month, if you got paid into your offset account or you had an offset account set up, your monthly income got put into that offset account. Because interest isn't accrued daily, not monthly, it's charged monthly, but it's accrued daily, for the amount of time that that money is in the account, it actually reduces the amount of interest that you have on your loan. Yeah. Yeah.\n\nVery quick. Yep. Beautiful. Absolutely beautiful. Yeah.\n\nNo. Absolutely. And so long as you live within your means and what you can pay off on the credit card, it's not an issue, and pay it by the end of the month. Correct. Then it becomes a loan.\n\nYeah. What you have the the thing is. Oh, I love that's so you have to pay for your own flights. Okay. So yep.\n\nOh, that's cool. So it's like the company pays for it, but the points are accrued to you. Oh, that's nice. That's a nice little perk. Being away from your family sucks, but it's a nice little perk.\n\nCan I ask, what's the credit card value? Cool. So that one is Yes. Yes. Yeah.\n\nOtherwise, the temptation to possibly spend can be there. Yeah. Yeah. Remove the risk. Yeah.\n\nJust remove the risk. Absolutely. Perfect. Okay. Now health wise, has anything changed?\n\nI know that you had a head injury twenty two years ago, back in o four. Has anything else changed? Any medications that you're taking? Anything to that realm? Perfect.\n\nAnd we haven't picked up smoking at all? No. Perfect. Amazing. So with regards to all of that, that's fantastic.\n\nThe one thing I did want to know that I don't have on file at all is, I guess, with regards to estate planning, I do know that you previously didn't have a will. Have you put one in place over the last few years? Or or no. No. That's okay.\n\nAnd I'm assuming it it is something that should be considered. So we with estate planning, and I I I generally I mean, we'll go off about, but that's okay. With with the assets that you hold, some of those, depending on how they're owned, can be considered a state asset. So your primary residence, it's owned by the two of you. So more than likely, it's owned jointly by the two of you, which means that upon the passing of one, the other would assume ownership a 100%.\n\nSo the house, therefore, would not form part of the estate. If if there's any bank accounts that are owned individually, they've become a state asset. If there's cars, trailers, or boats that are owned individually, they become a state asset. And that's where a will steps in is that a will enables any of those individual assets to be able to be passed to whoever it is that you're wanting to. Like, a lot of the time when there's, you know, when you're a a singular, I guess, nuclear family, let's call it, there's not gonna be a lot of external, you know, people contesting a will.\n\nBut when you have your slightly messier families, a will definitely comes in handy to be able to make sure that there's clear. Yeah. Yeah. Yep. Yeah.\n\nYeah. No. And that's that's absolutely fine. So if if you're confident that you that that basically things are all under control, then that's fine. Absolutely.\n\nI guess the the biggest part is is that banks transitioning bank accounts over into an individual name can become hard without a will purely purely because privacy laws still stand even after someone has passed. And superannuation companies, insurance funds, and and banking banking institutions can make things difficult if there's no executor named. And that's really what it comes down to is naming an executor. There's obviously in a will, there's executives and beneficiaries. The executor is a person that is honoring the deceased's wishes, and the beneficiary is the people that are getting the money.\n\nSo, like, for example, say, in your case, you may make your wife an executor and a beneficiary. There's not not anything wrong with that, providing, you know, she has the mental fortitude to be able to deal with it all upon your passing along with the kids. Some people choose to make a mate, a brother, a friend, you know, the executor, so that way your wife can just deal with everything that has to happen. But it's all personal preference on that front, really. There are obviously it's so far down the list.\n\nI get it. It it took me until my kid was 10 or 11 till I finally got mine in place, and I've been saying it since just as long as he was alive. So I completely understand it. It is low. It's just always something that I like to raise because the assets that we're talking about do and can form part of the estate.\n\nNow the I guess the best thing we can do, and it's, you know, nice and easy, is make sure that, obviously, your wishes are honored with your super fund, then your wishes are honored with your insurer to ensure that if anything happens, those benefits go pretty quickly to who you're wanting it to go to. And that's, you know, beneficiary nomination forms and stuff like that. So we'll definitely double check those to make sure that they're still honoring your wishes and go from there, if that makes sense. Cool. So with respect to, I guess, your super and your insurance since we're now touching on them, your superannuation fund is is Hub twenty four.\n\nIt's where where your your superannuation is invested, where everything's sitting. Now with your super, it is invested in the market. So what happens is you purchase specific assets, and those assets, you know, perform as the market performs. Now the assets that you hold, majority of them are doing really well. There is one that has underperformed a little bit that I have been migrating my clients out of slowly, and it's just because it's a what's called a high conviction fund.\n\nSo it's a it's a Australian equity spend along asset. And spend along that that fund, basically, they they put they purchase stocks and shares within that within that fund itself. And then, generally, what they're supposed to do is make small movements as the market varies. That fund, they are high conviction funds, and, basically, they stand back what they're invested in. Now, traditionally, it has done really, really well.\n\nPrevious market volatility has seen it drop, and they're just not making the choice to make any moves on that fund. So my trust in that as an as an equity and as a fund as in itself has started to waiver, and I am moving my client out of that fund because I don't wanna see, you know, something that isn't gonna bounce back continue to be on on, you know, a whole portfolio. So what I would really like to do, and I guess this is me pushing more so than you requesting, is definitely a bit of an update to the portfolio as a whole to cater for that asset. As I said, everything else is looking really, really good. You know, you diversified across not only, you know, equities and and different sectors, but also within asset classes as well.\n\nIt's just that one asset that's really, I guess, weighing things down. Your balance sits today at at $247,000. So it has had a little bit of a drop over the last month or last couple of weeks, I should say, just with the current things that are happening. And it's it's standard when whenever we You do have I can't account for previous to the hub account. But, you know, from, like, where the account sits now, it's been going really well.\n\nI'm just looking over. Oh, I've seen a lot lower. It it's, yeah, it's actually not too bad. Really breaking that, like, quarter 1,000,000 bracket is the hardest leg. Once you break that because, obviously, more money makes more money.\n\nSo the more you have invested in the market, the more it starts compounding and moving. It's breaking that quarter mil. Once you break that, it does start really compounding and and making a massive difference. Because if you think about it, you know, 10% on on 250,000, you've got yourself 25 growth over the year. So it's it's just about those those different, like, legs.\n\nYou Yeah. Yeah. So it will all depend to oh, to the tax brackets. Yes. 47%.\n\nYeah. So currently, you're sitting in I know. It was 45 plus 2% levy 2% Medicare levy, but, yep, 47%. Currently, you're sitting in the 39% bracket. So every dollar that you earn over a 135,000 is charged at 39¢ tax wise.\n\nYeah. So tax brackets work. So, basically, not that they pay it this this way because otherwise it'd be really confusing for people as they get, you know, through the year. It's averaged out. But, basically, the first $18,200 that you earn in any financial year is tax free.\n\nRight? So let's just say, for example, say, in the year you went and earned $18 in one month, you would pay tax on that money straight up because it would be assumed that in that month, you were gonna earn $18 each month following through. So they would gross it up and say, oh, well, you're gonna earn, you know, $200,000. So therefore, we're gonna charge you at what is appropriate for that amount of money. Now, obviously, if you only earn that $18,000, you would go into your tax return.\n\nYou get all that money back on your tax return. So the next bracket up from there is, like, 18,201 through to 45,000, and that's 16¢ on every dollar over 18,000. Then it's 45 to $1.35 at 30¢, and then it's $1.35 to $1.90, which is your 37 slash your Medicare, and then it's $1.90 and over, which is your 40 5. Mhmm. Yes and yes and no.\n\nIt all just depends on, obviously, your cost of living. So when it comes to salary sacrifice, there are a couple of considerations. The first consideration is how much you're allowed to actually contribute, which you're only allowed to contribute up to $30,000 in any financial year under some certain rules. Now there are ways that you can utilize previous years, what they call contribution caps, to be able to put more in, but the other consideration is is your actual living expenses. If you're currently living on the net of a $185,000 for your family putting nothing into savings, then there's not really any room for you as a family to put money into your super.\n\nWhile it is another savings account, it's a savings account you can't currently live on. So that's the probably the biggest immediate consideration that needs to be made is can you afford to put money into your fund under salary sacrifice, and what does that sort of look like? So you could turn around and say, I can afford, say, $300 a month that I would lose. Now what I would do is I would say, cool. That's $300 a month net that you're happy to forego out of your net income.\n\nWhat does that convert into from a gross perspective? Because it would come out of your gross income before tax comes off it. And that's what I would do, but you would need to make the consideration. Yeah. Because currently, your employer on, like, the 185, your your employer like, Rio Tinto would put $2,222,200 into your fund on your behalf.\n\nSo you're just you know, you're basically $7,800 away from hitting that cap, but you've never earned to the point where you could where you would still have room in those contribution caps from the last five years that we could we could use. So if you ever got, like, say, a lump sum payout, we could probably put some money in that way. In terms of other, I guess, investments, none of them are really as tax effective as super contributions. But, again, investing personally, you have access to it. So, you know, the 15,000 that you have currently in the offset, it's in the offset, but it's only offsetting, say, the, you know, the four and a bit percent or the 5% interest that you would accrue on your mortgage.\n\nYou could invest that 15%, and you could get 6%, 7%. You could also drop and only earn two or 3%. So it's depending on the risk level that you're willing Yeah. So whether you're Yeah. Yeah.\n\nAnd that's and that's sort of, I guess, the the consideration of the question. Yeah. Mhmm. Yeah. Which is completely fair.\n\nTwo thousand and '1. Yeah. Yep. Yeah. If you if you look if you look back far enough, you'll you sort of see the cycles.\n\nIt's, you know, o one. There's o o seven to o nine. Then you got COVID in 2021 where you've got your big dips, but you also see the pop back up on the other side. So whilst, yeah, they do dip. Yeah.\n\nAnd even if you look back on, you know, thirty, forty, fifty years, you even see, you know, through, you know, the walls and stuff like that that they it does obviously take effect. But right now, what you can take confidence in is that this is money you're not touching. It's money that's invested, and we wanna make sure it's obviously making the most for you, but it's not money that's taking away from your cost of living. Yeah. So, yes, con contributions additional, definitely going to help, especially at the moment where you can buy in low while the market has had a drop, but you need to service the family and make sure that you can actually put food on the table.\n\nYeah. So probably not a consideration for right now, but fingers crossed Rio Tinto give you that pay rise, and you'll be good. Yes. Now I've been talking and not looking up what I wanted to look up while I was talking because I got distracted. Crazy.\n\nI'm a woman, but I'm terrible at multitasking today. Does happen from time to time. Where was it? I downloaded your insurance statement earlier. It's sitting over, if I remember correctly.\n\nI'm just pulling it up. Yes. Yeah. Yeah. Yeah.\n\nWhat does the family get out of it? Yeah. Definitely. Yeah. So you've got in life insurance, you've got 1.59.\n\nSo 1,000,000 590. I'll send it to you anyway, but definitely. Yep. So life insurance is $1,591,348.96. We're gonna be specific.\n\nTotal and permanent disability is of the same amount. So 159134896. So to define them, life insurance pays out if you were to pass away or be diagnosed as terminally ill. Total permanent disability pays out if you were totally and permanently disabled, not able to work in any occupation in which you were trained qualified or have experience in. Income protection, you have a ninety day waiting period.\n\nSo if you're off work for ninety days, then your policy can pay you for up to five years. So it's a five year benefit period, and you're paid $13,909.16 a month. One three nine zero nine and sixteen. Per month. Yes.\n\nPremium. Mhmm. Policy? Yes. Yep.\n\nYes. Yep. Yep. Mhmm. Twelve months.\n\nFull pay. Okay. Yep. Okay. Premiums?\n\nYeah. That's like So I guess, yes, we can definitely change things, and it will affect the premiums. The I guess the there's a couple of ways we can change the policy. One of the ways would be to to drop the benefit period. So it's currently a five year benefit period.\n\nYou could drop it to two years, and that would that would bring the premium down. I'd have to quote it to find out exactly what it would drop the premium to, but it would would definitely help. Or the correct. Yes. It won't help in that way.\n\nThere is one benefit I haven't touched on yet because it falls a little bit outside of life TPD and IP, and that's trauma policy, which you're insured for $318,269.79. That's a lump sum payout that would give you money if you are battling cancer. That that Yeah. No. It's like medical trauma events.\n\nSo, like, if you fell off a ladder and you severely impacted your brain, yes. If you there are some side benefits that, like, if anything had happened or if you did fall off a ladder, like, call me and, you know, so long as it's significance ish, like, if you just got a gas on your legs, no. But if you're, you know, bed bed bound for, you know, two weeks because of it, then give me a call because there are benefits that we could probably look at claiming under that. It's very situational that we'd have to sort of talk about, and I have to look at and pull apart the PDFs to make sure. Yes.\n\nNope. No. No. Do you enjoy it? No.\n\nNo. If you were you were rock climbing or whatever the case may be, absolutely fine. Not not an issue. You could be doing whatever it is that you're doing. It's whatever you're doing in your normal life.\n\nSo let's just say you're up on the roof, fixing the roof of the the house, and you fell and something happened to you. You're covered there. If if if it's just anything in that realm that could possibly happen irrespective of whether you're at work or not. Now, obviously, if you're at work, work does help, but I don't know if you've ever been a part of or watched any of the guys go through a work cover claim. They do start dropping off in benefits.\n\nSo, generally, they pay a 100%, and then it eventually drops to 90 and then 85 and then 65, and then they pay you out. And it doesn't give you, you know, any sort of longevity, which is where the secondary IP policy can kick in and where your TPD comes into effect if, you know, you're long term never able to work again. That 1.5 is obviously gonna pay off a little bit of mortgage and set you up with a massive lump sum. But if we ever went to claim, we could definitely look at what that would look like for you. Now premium I've skipped over it.\n\nSo sorry. Premium is from your super fund for the life PPD and and IP is $1,896.60 per annum. So $1.08 $9.06 and 60 per year. And then, no, it's actually quite reasonable. I've even triple checked when I had a look at it because I wanna have a look at it.\n\nLike, I probably need a couple more questions to do with your job. I do wanna look and see whether we can get an occupation rating change to it. It is hard with Resolution Life just because they are what's called a grandfathered book. Like, they're no longer Resolution Life sold their book. Oh, how long ago?\n\nPast a decade? More? Yeah. Probably about six six, seven years ago? Yes.\n\nYes. So it was used to be called AMP Elevate, and they transitioned to Resolution Life and then grandfathered and sold their books. They sacked 90% of their workforce, and they only have a very small, basically, claims team that they that that work for them now. They just they got to a point as a as a insurer that they got they hit their cap. They weren't gonna insure any other people because the risk having reinsurers and underwriters and everything like that, they just made the decision that they weren't gonna write anyone.\n\nI love Resolution Life. Don't get me wrong. Like, in no way, shape, or form am I saying the product's not great. It is a fantastic product. And especially for someone in your occupation, they are pretty much the only people that will ensure your occupation.\n\nThere's not really any anyone on the market that do. Yeah. Yeah. No one really ensures your your occupation. But I can definitely have a look to see whether there is something, and I sort of already wrote in my notes to have a look.\n\nIt just sort of depends on, I guess, the percentage of how much you work with explosives now versus how much you did previously. Generally speaking, they kind of consider any explosives as explosives irrespective of percentage. And there's probably not gonna be a lot of movement, but it's still something I wanna look at anyway. Just I think not bad. Yeah.\n\nYou yeah. No. You know, definitely not bad at all. You are paying for the trauma policy out of pocket, though. Let me just flip over to that policy because it's, like, 180 something.\n\nSorry. I had it up. Yeah. Go back. $181.31, and that's for the trauma policy.\n\nFor the trauma policy that's monthly. Yes. Yes. Yes. Yes.\n\nSorry. Yes. Let me 131 2. No. You're okay.\n\n217572. 217572. Okay. Definitely. Did you want me to look at, like, decreasing the policy?\n\nAre you happy and comfortable with where the policy sits at the moment? I Okay. I do know that, like, your income protect anything happens. Definitely. I'm more than happy, I think.\n\nOh, well, you know, it doesn't replace, but I guess it helps. The one thing I did note when I was looking at everything and your income changed, so I was doing the math before, is that your income protection policy has increased a little bit further than what you would actually be able to claim on. So you know how I said you were insured for $13.09 $0.09 and cents? Your income at a 185 for the policy only enables you to be covered for up to 75% of your income, which 75% of your income is actually $11.05 62 per month. So we can drop the income protection.\n\nIt's gonna increase again down the line. In a benefit. Yep. Yep. Because you can't be better off under claim than what you were working.\n\nYeah. Frustrating. I know. So we can drop it's increased over time. So the policy CPIs and it increases.\n\nSo it's increased over the last couple of couple of years, and it's popped just a little bit over. The last couple of increases, it's just been enough to push it. So it's just something that I mean, it was a lot higher, but you've obviously had that pay increase, so it's leveled out a little bit. It's something that I did wanna raise with you and look at when we were looking at the insurance is just to at least drop that income protection. The other consideration is that if we don't drop it and your income increases or we do drop it, sorry, and your income does increase, you'd be getting less than what your new income could possibly be if that made sense.\n\nYep. Yep. Yep. It depends on how it depends on how work pays you. If work's just paying you every month as if you were working, then no.\n\nThe IP policy would kick in after. Yeah. So you would just continue to get the pay from work first, and then the IP policy can kick in. No. No.\n\nJust like you can't double dip work cover with income protection either. They have to sit back to back. It's the same as if if you had sick leave, long service leave, annual leave. You could choose to use that up prior to your IP policy kicking in. You could use that leave up during the ninety day waiting period, and then the IP policy can kick in.\n\nBut It'll reduce yeah. Yeah. 100%. It'll reduce what you pay. I'd have to look and see whether Resolution Life dual one year waiting periods.\n\nThey used to back in, like, a decade ago, but I'm not sure what they offer at the moment because a lot of insurers removed their six month, one year, two year waiting periods because people that are not supported for a long period of time, you know, when they're ill or injured, generally end up going on really long term claims. So insure sure as an industry made the determination to shorten waiting for only offered short waiting periods. So that way, basically, people would go on claim earlier, and then there's, you know, services that are offered through them under claim. I can definitely look at it and see what how it affects the premium. But in saying that, you did say that your your your work changed their poll their their leave their sick leave policy.\n\nSo do you have confidence that they won't change their sick leave policy in the future? Okay. So, I mean, if you're confident, I can definitely look at it and see whether they offer and what the what the basically longest term. Yeah. Yes.\n\nCorrect. Yeah. Yeah. Industry standard is ten ten sick and 20 annual. So they're definitely sitting above.\n\nBut, yeah, I can I can definitely have a look and and quote it up and see what what is offerable? Yeah. We're not talking $10. Yeah. Alright.\n\nCool. I will investigate it and see what's offered there. Now I I wanna confirm that your wife sorry. The hiccups. I wanna confirm that your wife, Shannon, is 100% the beneficiary on your life policy.\n\nThat's still definitely the way you wanna hold it. Yep. Perfect. Just thought I'd ask the question. It's actually really it it gets messy, but I it's it's actually kind of interesting.\n\nIt it depends on survivorship laws, which you're in WA. So not a 100%, but I know that Queensland survivorship laws, and I'm pretty sure it's pretty much across country, is it's if you die at the same time, it's assumed that the older of the two passed away first, which means that the state of the older migrates to the yeah. So it means that the that your like, if you were older, your assets would might like, would basically settle onto Shannon, and then Shannon assets would settle onto wherever it needs to settle from there. So it's not that they both get get implemented at the same time. It's that it actually has to settle first to her and then then to someone else.\n\nWith the superannuation fund, look, realistically, the kids are probably gonna be the prime candidate for it, but it does become a little bit messy. Yeah. I think because the kids are so young, the biggest probably point to make is that, like, your your wills can literally mirror each other. I went and got a will. Me and my husband got one done for a grand, and we got two wills and two power of attorneys drawn up.\n\nSo four documents for a thousand dollars. So it wasn't break the bank money. They're wrong. You know, it wasn't expensive to live without, but it wasn't ridiculous. And then Mira will, so it means that if he passes away, everything comes to me and vice versa.\n\nIf neither of the neither of us is surviving, then one of my poor sisters ends up with three kids and all their assets and blah blah blah blah per our wishes. And that's probably the biggest part that you need to consider is that what happens with the kids and who becomes their guardian, which is something that you can make a decision in on the will. Yes. Winning. Yeah.\n\nYeah. Well, I mean, more kids the merrier in my book. Once you once you hit the couple Yes. I'll I'll need it. Now the one thing that is missing is while your insurance policy has the nomination made on it, your super fund doesn't.\n\nSo I wanna get a beneficiary form out to you so you can fill it out, and we can pop it on the fund. So your super fund your super your super or the insurance policy can either form part of the estate or can be held outside. So it means that the super policy currently, because there's no nomination, it's an estate asset. It will be assumed that you have a will, and the will will the the will is the document to follow. You don't, which means you're passing away intestate, which means that the money has to go through blah blah blah and all the, you know, fun things that has to go through.\n\nRealistically, because it's superannuation, your wife's gonna be the forefront, you know, contested for the money. But the the the nomination document just makes things a lot smoother from a claims perspective. And it's something that we can put on file, set and forget. We remind you of it every year and just be like, it's this, which is still the standard, and you say yay or nay. And if we ever wanna update it, we can.\n\nYeah. I don't know. So you can nominate the kids because your children will always be what's considered assist dependent, which is the superannuation industry legislation, your your children will always be assist dependent. Your children, once they turn 18 and or become nonfinancially dependent, so between 18 and 25, could have a tax element to it because they're non tax dependent, whereas your wife will always be a tax dependent while you're married. So there's tax considerations for any benefit from your super funds beneficial to go to your wife.\n\nBut let's just say for argument's sake, something happened to you sooner rather than later. All you're doing to your wife is making her go through three sets of documentation rather than one. And, essentially, she's the one that's gonna end up with the money because she is the guardian for the children right now. So the money would just go to her through a full documentation for the kids. Unless you had a trust set up where the money went to the trust and she would say, you know, the trustee for it and could control where it went and how it was dealt with through the trust and the trust documents.\n\nEssentially, from the super funds, the money just goes to your wife, and she uses it to support and look after your kids. So it's probably more of a conversation. There's no without having a will or a trust or specific setups? Not really. Like, your your position is really simple, so it's it's good.\n\nYou know, me personally, I didn't wanna pay the $5 to to put a a a trust together. What I did was I wrote a letter to my sister in the event that both of us passed away, put it with my will, and it basically stipulates that I want x amount of money to be put in a savings account for each of my kids to be given to them on their 20 birthday. That's all it says. The rest of the money is yours. The rest of the assets is yours.\n\nThat's they're they're my wishes. Put that amount of money away, and that's that's my legacy to my kids because I know that, you know, while my kids are all very young, everything I'm leaving has to be used to raise them. So you could do something similar if there's, you know, if that's what you wanna do, or you can go through the the the trust position. But, realistically, right this second, the biggest thing is is just get the nomination on file. Really just nominate your wife.\n\nThere's no no requirement to nominate the kids. If anything happens in the future, sure, we can definitely revisit it. But a nomination to to Shannon is is much better than trying to split it three ways and make the paperwork three times harder. Cool. Amazing.\n\nNow I guess we've talked a lot. I have. I wanna know if there's anything else that you have question wise. I guess, actions for me at the moment is to send you the beneficiary form. I'm gonna have a look at other investment options to the Superfund, and then I'm gonna look at the insurance policy just to see what it looks like if we do extend it.\n\nIs there anything else you wanna look at or talk about? Amazing. Yeah. Yeah. Yeah.\n\nJust yeah. Just over. $4. Yeah. Yeah.\n\nAnd if if you wanna change them, like, don't be wrong. It's a lot easier to reduce them than it is to increase them. And in your position, I probably wouldn't need increase. If you do wanna reduce them, we definitely can. So if you wanna, you know, drop down the the trauma policy so it's taking less of an impact on your back pocket, put more money into your savings from that perspective, that's definitely something we can do.\n\nIt will. Yes. It will increase each year as you get older. It's no. It's it's percentage per year.\n\nIt's pretty standard. It's based on, like, CPI or a limited CPI. It's not full. I I can I'll when I'm doing the research with the the income protection, I'll see if I can pull a future premium projection as well. Okay?\n\nAnd I can just pop that as we migrate through. I'm just sorta I guess I'm just putting considerations forward because I like, you are on one one occupation. So I don't want, you know, things to cause massive issues for you cost of living wise because I don't know if you know, but the fuel's pretty expensive these days. No. No.\n\nNo. No. Not at all. Right? Perfect.\n\nAlright. Well, what I'll do is I'll get cracking. If you give me a couple of yeah. It's $22,200 per annum. So, yeah, just the 1,800.\n\nYes. Yeah. Yeah. That's definitely a way of putting it. Yeah.\n\nNo. I love it. Perfect. Amazing. Mhmm.\n\nThere there's different there's different claimable events. So they can be. The big the biggest claim buckets for a trauma policy are heart attacks, strokes, neurological conditions like your Parkinson's, Huntington's, muscular dystrophy, and then your cancers. So they're your big four buckets. So, like, it's your cardiovascular, neurological cancers.\n\nThey're your massive claims. It'll pretty much almost get you to the point of a full claim every time. Some cancers, depending on the grading severity, may see a partial. For example, testicular cancer, you know, grade, like, stage two removed and the cancer's done could get you a partial. In terms of any other, like, specific events, it's event specific.\n\nI can definitely look at what would be claimable under those conditions. Each provider's different, and it's not something I keep as a traveling encyclopedia, you know, for the 15 different insurers exactly what is claimable. But there is there are there can be, I guess, is probably the best way to put it. There can be claims that that fall outside of those buckets. For loss of limb temporarily, you know, you could have, you know, severed fingers, arms broken.\n\nThere are things along those lines that can fall into it. It just depends on whether your policy does cover it. But as I'm as I'm looking through the insurance IP, I'll put together from your because your policy is older, which don't get me wrong, in this day and age, it's better. I can put that together too. Of course.\n\nExclusion? Yep. Yep. To remove it. Yeah.\n\nNo. There's there's no exclusion on the policy at all. So an exclusion is where they do not pay for it. So there's not an exclusion on the policy. So, yeah, you're all kosher on that front.\n\nMental health? No. I mean, let me I can I'll contact them and and have a look, but I cannot currently see an exclusion. Yeah. Yeah.\n\nBut, generally speaking, insurers, if it's been an extended period of time since the event occurred when you take out the policy, then they're fine. If it's a one off event, it's fine. If it's there's a difference between acute and chronic, acute being because an event occurred that another reasonable person would also feel, you know, attached to versus chronic being something that's long term. Yeah. I I will definitely double check, and I will include it in the email when I get all the data through.\n\nBut I I can't see an exclusion at all for either mental health or for a brain injury, but I will double double check. Yeah. Yeah. You you you were ensured that the exclusion was removed or that it was included in the Volusia. Yep.\n\nEverything's fine. No. That's good. Oh, perfect. Alright.\n\nWell, I've got a little bit of homework to do, which fantastic. You'll get an email from me. It'll probably take me a couple of weeks to get an answer from ResLife or Resolution Life just with regards to, like, the quotes and stuff like that. So I will send you an email through with the details when I get it. I haven't forgotten.\n\nIt's just gonna take time to get it from them. And, otherwise, I will include the trauma claims just so you have a little bit more in-depth, I guess, information on what is actually claimable, what what partial claims are available under your policy as well. And I will double check on the exclusions and ensure that they're definitely 1000% on none. Yes. Yeah.\n\nNo. That's absolutely fine. I am more than happy to schedule in an appointment if she knows what availability. Absolutely. I I will send a text message to her after this to try and schedule in a time that will work.\n\nAbsolutely. Now what I'm gonna do is I'm gonna send you a pack via email, and it's just gonna have a bit of a a summary on, like, where things fit, balance the figures that we we just ran through and you broke down. I did tell you I was gonna email it to you. I'll send that through to you so that way you have that. It also has our ongoing service agreement.\n\nSo It they generally go hand in hand, feisty and calm. It works. So I will send you that email. Now we've changed our CRM or our our our data system, and it's all integrated with, like, any of our our email systems. So if it goes to your junk inbox, don't be surprised.\n\nBut I am sending that now, so you'll get it within the next few minutes. Okay? That's okay. And, otherwise, I'll touch base with you in a couple of weeks to just have a chat about the investment changes that I recommend after I do my little investigation. Cool.\n\nPerfect. Well, if there's any questions, feel free to reach out. But, otherwise, have a fantastic afternoon. Thanks, Greg. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Craig.","start":1.4399999,"end":2.1599998,"sentiment":"neutral","sentiment_score":-0.023042961955070496},{"text":"Sorry about that.","start":2.1599998,"end":3.12,"sentiment":"neutral","sentiment_score":-0.22641544540723166},{"text":"I don't know what happened.","start":3.12,"end":4.42,"sentiment":"neutral","sentiment_score":-0.23478426933288574},{"text":"No.","start":7.04,"end":7.2799997,"sentiment":"neutral","sentiment_score":-0.1272522211074829},{"text":"That's okay.","start":7.2799997,"end":8.18,"sentiment":"neutral","sentiment_score":-0.07750559598207474}],"sentiment":"neutral","sentiment_score":-0.16780900152829978,"num_words":13,"start":1.4399999,"end":8.18},{"sentences":[{"text":"I was like, hello?","start":8.24,"end":9.84,"sentiment":"neutral","sentiment_score":-0.04501656605862081},{"text":"Hello?","start":9.84,"end":10.16,"sentiment":"neutral","sentiment_score":-0.019734293222427368},{"text":"And then I looked at the phone.","start":10.16,"end":11.2,"sentiment":"neutral","sentiment_score":-0.09917674852269036},{"text":"I was like, nope.","start":11.2,"end":12.16,"sentiment":"neutral","sentiment_score":-0.21986081078648567},{"text":"It's just totally gone.","start":12.16,"end":13.5199995,"sentiment":"negative","sentiment_score":-0.3769785463809967}],"sentiment":"neutral","sentiment_score":-0.16406976128928363,"num_words":20,"start":8.24,"end":13.5199995},{"sentences":[{"text":"Anyway, our call is recorded.","start":13.5199995,"end":16.664999,"sentiment":"neutral","sentiment_score":0.02838200852274895},{"text":"And security, full name, date of birth, and address, please.","start":17.685,"end":21.145,"sentiment":"neutral","sentiment_score":0.043101674132049086},{"text":"6 16.","start":28.26,"end":29.140001,"sentiment":"neutral","sentiment_score":0.04464985616505146},{"text":"Perfect.","start":29.140001,"end":29.640001,"sentiment":"positive","sentiment_score":0.5428264141082764},{"text":"Absolutely amazing.","start":30.1,"end":31.240002,"sentiment":"positive","sentiment_score":0.7041892111301422}],"sentiment":"neutral","sentiment_score":0.13067156663164498,"num_words":20,"start":13.5199995,"end":31.240002},{"sentences":[{"text":"So as I said before, the purpose of today's call is to go through and have an update, touch base with you, see if there's any areas of advice that you wanna ultimately look at, and and and sort of gauge where things are at for you and make sure that we're still on target to reach sorry.","start":31.54,"end":50.045002,"sentiment":"neutral","sentiment_score":0.3067153577275317},{"text":"Hiccups.","start":50.045002,"end":50.545002,"sentiment":"neutral","sentiment_score":-0.03301915153861046},{"text":"Yeah.","start":51.885002,"end":52.385002,"sentiment":"neutral","sentiment_score":0.13975229859352112},{"text":"Yeah.","start":57.100002,"end":57.420002,"sentiment":"neutral","sentiment_score":0.14725619554519653},{"text":"Okay.","start":57.420002,"end":57.66,"sentiment":"neutral","sentiment_score":0.2260502278804779}],"sentiment":"neutral","sentiment_score":0.2946698438496359,"num_words":62,"start":31.54,"end":57.66},{"sentences":[{"text":"Perfect.","start":57.66,"end":58.14,"sentiment":"positive","sentiment_score":0.3670298457145691},{"text":"So, specifically, we wanna look at where our insurances are sitting at the moment as well.","start":58.14,"end":62.620003,"sentiment":"neutral","sentiment_score":0.16502283001318574},{"text":"Absolutely.","start":62.620003,"end":63.120003,"sentiment":"positive","sentiment_score":0.4339504837989807},{"text":"We can do definitely do that.","start":63.18,"end":65.04,"sentiment":"positive","sentiment_score":0.49888186653455097},{"text":"So, I guess the first thing I generally like to look at is just making sure, that our records are most up up to date.","start":65.340004,"end":75.335,"sentiment":"neutral","sentiment_score":0.2320968824625015}],"sentiment":"neutral","sentiment_score":0.24973589531621154,"num_words":49,"start":57.66,"end":75.335},{"sentences":[{"text":"And the reason for that is is it it enables me to, I guess, identify anything that could possibly be an area for advice or, you know, make sure that everything's still kosher if there's been a significant change for you as well.","start":75.875,"end":88.340004,"sentiment":"neutral","sentiment_score":0.21174289234155833},{"text":"Amazing.","start":93.455,"end":93.955,"sentiment":"neutral","sentiment_score":0.2604433298110962},{"text":"So what did our pay move up to?","start":94.495,"end":97.875,"sentiment":"neutral","sentiment_score":0.08119420194998384},{"text":"Fantastic.","start":101.055,"end":101.555,"sentiment":"neutral","sentiment_score":0.23441730439662933},{"text":"Because previously, we were sitting That's a bit of a pay increase.","start":101.695,"end":106.130005,"sentiment":"neutral","sentiment_score":-0.011762408229211966}],"sentiment":"neutral","sentiment_score":0.15551091879606246,"num_words":65,"start":75.875,"end":106.130005},{"sentences":[{"text":"Well done.","start":106.43,"end":107.170006,"sentiment":"neutral","sentiment_score":0.1633300557732582},{"text":"More responsibilities with it.","start":110.43,"end":112.21,"sentiment":"neutral","sentiment_score":-0.02871985314413905},{"text":"Just finally come to the table.","start":114.19,"end":115.89,"sentiment":"neutral","sentiment_score":0.0644147911419471},{"text":"Perfect.","start":118.305,"end":118.805,"sentiment":"neutral","sentiment_score":0.17442962527275083},{"text":"And is that base income?","start":118.945,"end":122.385,"sentiment":"neutral","sentiment_score":0.051597630977630614}],"sentiment":"neutral","sentiment_score":0.05726040144347482,"num_words":18,"start":106.43,"end":122.385},{"sentences":[{"text":"Are there any bonuses or overtime or anything like that that you earn from that?","start":122.385,"end":128.80501,"sentiment":"neutral","sentiment_score":0.00952649600803852},{"text":"Okay.","start":152.755,"end":153.07501,"sentiment":"neutral","sentiment_score":0.137212872505188},{"text":"Cool.","start":153.07501,"end":153.475,"sentiment":"positive","sentiment_score":0.4665549397468567},{"text":"Alright.","start":153.475,"end":153.975,"sentiment":"positive","sentiment_score":0.35099077224731445},{"text":"So amazing.","start":154.675,"end":158.92,"sentiment":"positive","sentiment_score":0.48807600140571594}],"sentiment":"neutral","sentiment_score":0.10369040137156844,"num_words":20,"start":122.385,"end":158.92},{"sentences":[{"text":"So I skipped ahead.","start":161.3,"end":163.62,"sentiment":"neutral","sentiment_score":0.30556753277778625},{"text":"I'm just gonna skip back.","start":163.62,"end":164.92,"sentiment":"neutral","sentiment_score":0.21623283326625825},{"text":"Cool.","start":167.3,"end":167.8,"sentiment":"positive","sentiment_score":0.4941179156303406},{"text":"You've already confirmed your address, which is perfect.","start":167.86,"end":171.32,"sentiment":"positive","sentiment_score":0.5612185373902321},{"text":"No change to, like, number of dependents, marital status, nothing like that.","start":172.365,"end":177.58499,"sentiment":"neutral","sentiment_score":0.05839208917071422}],"sentiment":"neutral","sentiment_score":0.26626685274144013,"num_words":30,"start":161.3,"end":177.58499},{"sentences":[{"text":"Perfect.","start":179.245,"end":179.745,"sentiment":"neutral","sentiment_score":0.2914204001426697},{"text":"And then with regards to your, I guess, occupation, has have you like, with the role, have you taken on any additional, like, duties and responsibilities, explosives operator?","start":181.08499,"end":198.40999,"sentiment":"neutral","sentiment_score":0.011883928906172514},{"text":"Okay.","start":212.95001,"end":213.35,"sentiment":"neutral","sentiment_score":0.0005178553983569145},{"text":"So operator is obviously hands on.","start":213.35,"end":215.75,"sentiment":"neutral","sentiment_score":-0.001329808495938778},{"text":"Coordinate, I assume, goes halfway between the management of and the hands on.","start":215.75,"end":221.77,"sentiment":"neutral","sentiment_score":-0.0063617421457400685}],"sentiment":"neutral","sentiment_score":0.010898097266195988,"num_words":49,"start":179.245,"end":221.77},{"sentences":[{"text":"Okay.","start":223.52501,"end":223.925,"sentiment":"neutral","sentiment_score":0.008547032251954079},{"text":"And then you've got your supervisor only, which is supervisor only.","start":223.925,"end":229.865,"sentiment":"neutral","sentiment_score":-0.008572695750362154},{"text":"Not you still enjoy watching the things go boom?","start":232.485,"end":237.865,"sentiment":"neutral","sentiment_score":0.1024146820935938},{"text":"Yeah.","start":248.59001,"end":249.09001,"sentiment":"neutral","sentiment_score":-0.09970250725746156},{"text":"That's completely fair.","start":249.47,"end":251.17001,"sentiment":"neutral","sentiment_score":-0.28462526202201843}],"sentiment":"neutral","sentiment_score":-0.004703951019328087,"num_words":25,"start":223.52501,"end":251.17001},{"sentences":[{"text":"No.","start":257.405,"end":257.885,"sentiment":"neutral","sentiment_score":-0.25590789318084717},{"text":"That's that politics is probably the only one I've got in that realm.","start":257.885,"end":263.105,"sentiment":"neutral","sentiment_score":-0.30764863926630753},{"text":"I wish.","start":267.78,"end":268.44,"sentiment":"neutral","sentiment_score":0.003301849588751793},{"text":"Perfect.","start":271.14,"end":271.62003,"sentiment":"neutral","sentiment_score":0.2020392119884491},{"text":"So the last the last record I have is that you're working above ground.","start":271.62003,"end":276.02002,"sentiment":"neutral","sentiment_score":0.011664064201925482}],"sentiment":"neutral","sentiment_score":-0.1252709804403205,"num_words":31,"start":257.405,"end":276.02002},{"sentences":[{"text":"Is that still the case?","start":276.02002,"end":277.32,"sentiment":"neutral","sentiment_score":0.013542539626359939},{"text":"Perfect.","start":279.13498,"end":279.53497,"sentiment":"neutral","sentiment_score":0.13863256573677063},{"text":"And still with Rio?","start":279.53497,"end":280.595,"sentiment":"neutral","sentiment_score":0.029791882261633873},{"text":"How long have you been with them now?","start":282.175,"end":284.03497,"sentiment":"neutral","sentiment_score":0.012563129654154181},{"text":"Fourteen years with the same well done.","start":286.655,"end":289.47,"sentiment":"neutral","sentiment_score":0.13125078805855342}],"sentiment":"neutral","sentiment_score":0.05379093386232853,"num_words":25,"start":276.02002,"end":289.47},{"sentences":[{"text":"I can imagine.","start":295.23,"end":296.13,"sentiment":"neutral","sentiment_score":0.03412073105573654},{"text":"What what's your what's your swing like?","start":296.27,"end":298.11,"sentiment":"neutral","sentiment_score":-0.002791301347315312},{"text":"Are you sort of two on two off?","start":298.11,"end":299.47,"sentiment":"neutral","sentiment_score":-0.017218030523508787},{"text":"Or okay.","start":299.47,"end":304.625,"sentiment":"neutral","sentiment_score":0.00753067247569561},{"text":"So yeah.","start":304.685,"end":306.365,"sentiment":"neutral","sentiment_score":0.07947541400790215}],"sentiment":"neutral","sentiment_score":0.005413227841596712,"num_words":22,"start":295.23,"end":306.365},{"sentences":[{"text":"I mean, that's not too too bad.","start":306.365,"end":307.985,"sentiment":"neutral","sentiment_score":0.0916848246540342},{"text":"That's a pretty good that's a pretty good swing ratio.","start":308.44498,"end":311.26498,"sentiment":"neutral","sentiment_score":0.06279995180666446},{"text":"Not yeah.","start":318.54,"end":320.24,"sentiment":"neutral","sentiment_score":-0.28136944957077503},{"text":"Definitely.","start":320.3,"end":320.8,"sentiment":"neutral","sentiment_score":0.08620631694793701},{"text":"And can I ask how does like, are you paid fortnightly to deal with, like, obviously, your swing, or is it 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much, like, fortnightly, like, ratioed.","start":350.05,"end":354.935,"sentiment":"neutral","sentiment_score":-0.11508524561157593}],"sentiment":"neutral","sentiment_score":-0.11386116064185726,"num_words":58,"start":335.915,"end":354.935},{"sentences":[{"text":"So, like, you know, you got one and one or, in your case, you know, eight and six, which is a fortnight.","start":355.315,"end":360.67502,"sentiment":"neutral","sentiment_score":-0.036337236111814324},{"text":"So it would make more sense to pay on the fortnight because, otherwise, it's just I don't know.","start":360.67502,"end":364.755,"sentiment":"neutral","sentiment_score":-0.08964075831075509},{"text":"From a accounting background, it gets messy in the back end.","start":364.755,"end":367.655,"sentiment":"neutral","sentiment_score":-0.17879772863604806},{"text":"No.","start":373.65002,"end":373.89,"sentiment":"neutral","sentiment_score":-0.3281019330024719},{"text":"I think they're just spending more on accounting than what 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finances.","start":776.055,"end":778.635,"sentiment":"neutral","sentiment_score":-0.08940085582435131},{"text":"Yeah.","start":791.19,"end":791.69,"sentiment":"neutral","sentiment_score":0.038688912987709045},{"text":"No.","start":792.63,"end":792.87,"sentiment":"neutral","sentiment_score":-0.06167159229516983},{"text":"That's good.","start":792.87,"end":793.53,"sentiment":"neutral","sentiment_score":-0.041052427142858505}],"sentiment":"neutral","sentiment_score":-0.06566868006036831,"num_words":13,"start":775.735,"end":793.53},{"sentences":[{"text":"Yeah.","start":796.15,"end":796.65,"sentiment":"neutral","sentiment_score":0.0059435004368424416},{"text":"And the block of land, would do we still own that?","start":797.65497,"end":800.77496,"sentiment":"neutral","sentiment_score":-0.008952114604074846},{"text":"Have we Solved it.","start":800.77496,"end":802.555,"sentiment":"neutral","sentiment_score":-0.03650763840414584},{"text":"Okay.","start":803.975,"end":804.475,"sentiment":"neutral","sentiment_score":-0.014847430400550364},{"text":"So can I ask when we sold it?","start":804.615,"end":806.475,"sentiment":"neutral","sentiment_score":-0.019081609323620796}],"sentiment":"neutral","sentiment_score":-0.01624242475256324,"num_words":25,"start":796.15,"end":806.475},{"sentences":[{"text":"Okay.","start":814.95,"end":815.43,"sentiment":"neutral","sentiment_score":0.029670216143131256},{"text":"Cool.","start":815.43,"end":815.83,"sentiment":"neutral","sentiment_score":0.07439354062080383},{"text":"That's absolutely fine.","start":815.83,"end":817.13,"sentiment":"neutral","sentiment_score":0.10088790953159332},{"text":"So Okay.","start":817.99,"end":820.55,"sentiment":"neutral","sentiment_score":0.014744151383638382},{"text":"Perfect.","start":820.55,"end":821.05,"sentiment":"neutral","sentiment_score":0.06495878100395203}],"sentiment":"neutral","sentiment_score":0.06264682114124298,"num_words":8,"start":814.95,"end":821.05},{"sentences":[{"text":"Perfect.","start":826.185,"end":826.665,"sentiment":"neutral","sentiment_score":0.09454210102558136},{"text":"That's okay.","start":826.665,"end":827.46497,"sentiment":"neutral","sentiment_score":0.06616949662566185},{"text":"I will remove that.","start":827.46497,"end":828.825,"sentiment":"neutral","sentiment_score":0.01805579848587513},{"text":"And I'm assuming we put that money back into our residence.","start":828.825,"end":833.96497,"sentiment":"neutral","sentiment_score":0.031589547002857384},{"text":"Yeah.","start":834.185,"end":834.58496,"sentiment":"neutral","sentiment_score":0.13200600445270538}],"sentiment":"neutral","sentiment_score":0.040978700510765374,"num_words":19,"start":826.185,"end":834.58496},{"sentences":[{"text":"Amazing.","start":834.58496,"end":835.08496,"sentiment":"neutral","sentiment_score":0.2375787049531937},{"text":"Now the renovation debt, we're doing work to the shed.","start":836.51,"end":839.87,"sentiment":"neutral","sentiment_score":0.03476504646241665},{"text":"Do we still have a debt for that, or are we just spending what we can, I guess, afford as we go?","start":839.87,"end":844.93,"sentiment":"neutral","sentiment_score":0.003013712946664203},{"text":"Cool.","start":845.87,"end":846.37,"sentiment":"neutral","sentiment_score":0.23743179440498352},{"text":"Amazing.","start":847.63,"end":848.13,"sentiment":"positive","sentiment_score":0.6383359432220459}],"sentiment":"neutral","sentiment_score":0.0436371026294572,"num_words":35,"start":834.58496,"end":848.13},{"sentences":[{"text":"And it feels like a sense of accomplishment when you do it.","start":848.19,"end":851.625,"sentiment":"positive","sentiment_score":0.6365628937880198},{"text":"So we've cleared definitely.","start":854.165,"end":858.505,"sentiment":"neutral","sentiment_score":0.13251034077256918},{"text":"I think one of the my favorite things about, like, owning a house is being able to install a toilet yourself and learning how to replace a washer and a tap, things that you never had to do.","start":858.725,"end":872.17,"sentiment":"positive","sentiment_score":0.46520477376486125},{"text":"The the renovation debt, it was you you previously had a couple of tens of thousands.","start":874.63,"end":878.97,"sentiment":"neutral","sentiment_score":-0.01833226998860482},{"text":"Have we cleared that off and the only debt we have is our mortgage, or is there any Perfect.","start":879.725,"end":885.58496,"sentiment":"neutral","sentiment_score":0.0018139264889453586}],"sentiment":"neutral","sentiment_score":0.2875025367986913,"num_words":89,"start":848.19,"end":885.58496},{"sentences":[{"text":"So are there any other assets that we have apart from the mortgage?","start":886.685,"end":890.285,"sentiment":"neutral","sentiment_score":0.03759160007421787},{"text":"Any other, like, cars, boats, trailers?","start":890.285,"end":892.865,"sentiment":"neutral","sentiment_score":0.015037608643372854},{"text":"No.","start":901.70996,"end":901.79,"sentiment":"neutral","sentiment_score":-0.13081246614456177},{"text":"That's okay.","start":901.79,"end":902.69,"sentiment":"neutral","sentiment_score":-0.08075853809714317},{"text":"Cool.","start":903.63,"end":903.87,"sentiment":"neutral","sentiment_score":-0.06790904700756073}],"sentiment":"neutral","sentiment_score":0.009507733194724373,"num_words":23,"start":886.685,"end":903.87},{"sentences":[{"text":"So that's fine.","start":903.87,"end":914.305,"sentiment":"neutral","sentiment_score":0.024740979075431827},{"text":"Oh, they they they pull.","start":914.925,"end":916.945,"sentiment":"neutral","sentiment_score":0.05843786597251892},{"text":"They they are.","start":918.205,"end":919.345,"sentiment":"neutral","sentiment_score":0.047974648574988045},{"text":"Is it early than 2014 or later than?","start":920.42,"end":923.32,"sentiment":"neutral","sentiment_score":0.026469049393199384},{"text":"Nice.","start":925.22,"end":925.7,"sentiment":"neutral","sentiment_score":0.2947947382926941}],"sentiment":"neutral","sentiment_score":0.05084416731260717,"num_words":20,"start":903.87,"end":925.7},{"sentences":[{"text":"Perfect.","start":925.7,"end":926.2,"sentiment":"neutral","sentiment_score":0.30087342858314514},{"text":"And they're a really, really, really good car.","start":929.22,"end":931.875,"sentiment":"positive","sentiment_score":0.48865003511309624},{"text":"I mean, apart from probably, like, the '90 series, like, the Toyota Prados are pretty 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amount.","start":1007.43994,"end":1012.315,"sentiment":"neutral","sentiment_score":-0.3019712151665437}],"sentiment":"neutral","sentiment_score":-0.33014015113907075,"num_words":67,"start":989.225,"end":1012.315},{"sentences":[{"text":"Whereas with the offset, it works in the same way, but you can touch it as much as you want, generally.","start":1012.375,"end":1017.355,"sentiment":"neutral","sentiment_score":0.13423321839599384},{"text":"Yeah.","start":1025.1901,"end":1025.51,"sentiment":"neutral","sentiment_score":0.1024964079260826},{"text":"So more than likely, it's a full offset account.","start":1025.51,"end":1028.01,"sentiment":"neutral","sentiment_score":0.19496555791960823},{"text":"Because some some providers will actually allow you to have multiple offset accounts.","start":1029.59,"end":1033.37,"sentiment":"neutral","sentiment_score":0.160054549574852},{"text":"So, theoretically, you could have, you know, your wages going 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broker's.","start":1054.0199,"end":1055.3999,"sentiment":"neutral","sentiment_score":0.023948310501873495}],"sentiment":"neutral","sentiment_score":0.02293314978382305,"num_words":38,"start":1039.095,"end":1055.3999},{"sentences":[{"text":"But I can definitely I can still model it for you.","start":1055.86,"end":1058.12,"sentiment":"positive","sentiment_score":0.3373511325229298},{"text":"But, obviously, I can't give you a recommendation on which provider or lender would be best appropriate, is that you have a you know, you obviously have your mortgage account, which is where you put money into to actually physically pay the mortgage down.","start":1058.82,"end":1071.165,"sentiment":"neutral","sentiment_score":-0.07022507666525515},{"text":"Obviously, anything additional that you put on the mortgage apart from the minimum pulls down the actual principal that you owe.","start":1071.165,"end":1078.35,"sentiment":"neutral","sentiment_score":-0.08916842600419408},{"text":"If you make the minimum, then you obviously pay off principal and interest at the same time.","start":1078.4299,"end":1082.27,"sentiment":"neutral","sentiment_score":0.05118340056608705},{"text":"Makes sense.","start":1082.27,"end":1083.09,"sentiment":"neutral","sentiment_score":0.16754629462957382}],"sentiment":"neutral","sentiment_score":-0.0004880785549941816,"num_words":95,"start":1055.86,"end":1083.09},{"sentences":[{"text":"With an offset account, what you're doing is you're basically temporarily reducing the amount that you owe, so the principal of the loan for the the amount of time that that money is sitting in the offset.","start":1084.83,"end":1096.245,"sentiment":"neutral","sentiment_score":0.05486064766709869},{"text":"So theoretically speaking, with the fact that you get paid monthly and that you would then live off your income over the month, if you got paid into your offset account or you had an offset account set up, your monthly income got put into that offset account.","start":1096.305,"end":1110.5399,"sentiment":"neutral","sentiment_score":0.0775654607762893},{"text":"Because interest isn't accrued daily, not monthly, it's charged monthly, but it's accrued daily, for the amount of time that that money is in the account, it actually reduces the amount of interest that you have on your loan.","start":1110.9199,"end":1122.465,"sentiment":"neutral","sentiment_score":0.08493056215154819},{"text":"Yeah.","start":1125.745,"end":1126.245,"sentiment":"neutral","sentiment_score":0.14236176013946533},{"text":"Yeah.","start":1129.1849,"end":1129.6849,"sentiment":"neutral","sentiment_score":0.15311919152736664}],"sentiment":"neutral","sentiment_score":0.07429173775017262,"num_words":126,"start":1084.83,"end":1129.6849},{"sentences":[{"text":"Very 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not an issue, and pay it by the end of the month.","start":1156.415,"end":1162.115,"sentiment":"neutral","sentiment_score":0.14111111289821565},{"text":"Correct.","start":1173.9099,"end":1174.4099,"sentiment":"neutral","sentiment_score":0.021911153569817543},{"text":"Then it becomes a loan.","start":1174.7899,"end":1176.1699,"sentiment":"neutral","sentiment_score":-0.0023944444954395296}],"sentiment":"neutral","sentiment_score":0.11799045274965465,"num_words":40,"start":1155.455,"end":1176.1699},{"sentences":[{"text":"Yeah.","start":1189.955,"end":1190.275,"sentiment":"neutral","sentiment_score":0.026205463334918026},{"text":"What you have the the thing is.","start":1190.275,"end":1203.14,"sentiment":"neutral","sentiment_score":0.05122043697961739},{"text":"Oh, I love that's so you have to pay for your own 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risk.","start":1273.1699,"end":1274.23,"sentiment":"neutral","sentiment_score":-0.005961785713831584},{"text":"Yeah.","start":1275.25,"end":1275.49,"sentiment":"neutral","sentiment_score":0.02381061762571335}],"sentiment":"neutral","sentiment_score":-0.009940762196977933,"num_words":15,"start":1256.755,"end":1275.49},{"sentences":[{"text":"Just remove the risk.","start":1275.49,"end":1276.7899,"sentiment":"neutral","sentiment_score":0.018098941538482904},{"text":"Absolutely.","start":1278.865,"end":1279.265,"sentiment":"neutral","sentiment_score":0.2493007481098175},{"text":"Perfect.","start":1279.265,"end":1279.765,"sentiment":"neutral","sentiment_score":0.30023497343063354},{"text":"Okay.","start":1279.825,"end":1280.325,"sentiment":"neutral","sentiment_score":0.10205133259296416},{"text":"Now health wise, has anything 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realm?","start":1291.745,"end":1294.5701,"sentiment":"neutral","sentiment_score":0.0177056104876101},{"text":"Perfect.","start":1295.11,"end":1295.61,"sentiment":"neutral","sentiment_score":0.173248291015625}],"sentiment":"neutral","sentiment_score":0.028122362618645032,"num_words":30,"start":1283.6649,"end":1295.61},{"sentences":[{"text":"And we haven't picked up smoking at all?","start":1296.15,"end":1298.3301,"sentiment":"neutral","sentiment_score":0.010502890218049288},{"text":"No.","start":1299.99,"end":1300.31,"sentiment":"neutral","sentiment_score":0.010793279856443403},{"text":"Perfect.","start":1300.31,"end":1300.81,"sentiment":"neutral","sentiment_score":0.2822750210762024},{"text":"Amazing.","start":1302.31,"end":1302.81,"sentiment":"positive","sentiment_score":0.39797499775886536},{"text":"So with regards to all of that, that's fantastic.","start":1303.03,"end":1309.295,"sentiment":"positive","sentiment_score":0.5441495014561547}],"sentiment":"neutral","sentiment_score":0.2836205966770649,"num_words":20,"start":1296.15,"end":1309.295},{"sentences":[{"text":"The one thing I did want to know that I don't have on file at all is, I guess, with regards to estate planning, I do know that you previously didn't have a will.","start":1309.675,"end":1323.35,"sentiment":"neutral","sentiment_score":-0.04073155446745017},{"text":"Have you put one in place over the last few years?","start":1324.0499,"end":1327.25,"sentiment":"neutral","sentiment_score":-0.032757295803590256},{"text":"Or or no.","start":1327.25,"end":1329.4099,"sentiment":"neutral","sentiment_score":-0.08348451058069865},{"text":"No.","start":1329.4099,"end":1329.49,"sentiment":"neutral","sentiment_score":-0.0888846144080162},{"text":"That's okay.","start":1329.49,"end":1330.3099,"sentiment":"neutral","sentiment_score":-0.019747209269553423}],"sentiment":"neutral","sentiment_score":-0.04164775824356897,"num_words":51,"start":1309.675,"end":1330.3099},{"sentences":[{"text":"And I'm assuming it it is something that should be considered.","start":1330.61,"end":1335.815,"sentiment":"neutral","sentiment_score":0.021029389040036636},{"text":"So we with estate planning, and I I I generally I mean, we'll go off about, but that's okay.","start":1336.195,"end":1342.455,"sentiment":"neutral","sentiment_score":0.08464314082735463},{"text":"With with the assets that you hold, some of those, depending on how they're owned, can be considered a state asset.","start":1342.675,"end":1349.415,"sentiment":"neutral","sentiment_score":0.16515277148712249},{"text":"So your primary residence, it's owned by the two of you.","start":1349.84,"end":1354.3201,"sentiment":"neutral","sentiment_score":0.13128346543420444},{"text":"So more than likely, it's owned jointly by the two of you, which means that upon the passing of one, the other would assume ownership a 100%.","start":1354.3201,"end":1367.335,"sentiment":"neutral","sentiment_score":0.14681791790105678}],"sentiment":"neutral","sentiment_score":0.12040396696061231,"num_words":89,"start":1330.61,"end":1367.335},{"sentences":[{"text":"So the house, therefore, would not form part of the estate.","start":1367.7949,"end":1371.015,"sentiment":"neutral","sentiment_score":0.049725205044854774},{"text":"If if there's any bank accounts that are owned individually, they've become a state asset.","start":1372.035,"end":1377.15,"sentiment":"neutral","sentiment_score":0.1818955992658933},{"text":"If there's cars, trailers, or boats that are owned individually, they become a state asset.","start":1377.87,"end":1383.25,"sentiment":"neutral","sentiment_score":0.2512548337380091},{"text":"And that's where a will steps in is that a will enables any of those individual assets to be able to be passed to whoever it is that you're wanting to.","start":1385.0701,"end":1398.355,"sentiment":"positive","sentiment_score":0.36484881947117465},{"text":"Like, a lot of the time when there's, you know, when you're a a singular, I guess, nuclear family, let's call it, there's not gonna be a lot of external, you know, people contesting a will.","start":1398.575,"end":1411.41,"sentiment":"neutral","sentiment_score":0.04473630887352758}],"sentiment":"neutral","sentiment_score":0.18486161364449394,"num_words":108,"start":1367.7949,"end":1411.41},{"sentences":[{"text":"But when you have your slightly messier families, a will definitely comes in handy to be able to make sure that there's clear.","start":1412.27,"end":1418.13,"sentiment":"neutral","sentiment_score":0.11097436495449232},{"text":"Yeah.","start":1424.535,"end":1425.035,"sentiment":"neutral","sentiment_score":-0.014493066817522047},{"text":"Yeah.","start":1432.2301,"end":1432.7301,"sentiment":"neutral","sentiment_score":-0.04093366488814354},{"text":"Yep.","start":1453.9249,"end":1454.245,"sentiment":"neutral","sentiment_score":0.025474807247519493},{"text":"Yeah.","start":1454.245,"end":1454.745,"sentiment":"neutral","sentiment_score":-0.03913010284304619}],"sentiment":"neutral","sentiment_score":0.09197512469081967,"num_words":27,"start":1412.27,"end":1454.745},{"sentences":[{"text":"Yeah.","start":1458.38,"end":1458.88,"sentiment":"neutral","sentiment_score":0.2624872922897339},{"text":"No.","start":1459.02,"end":1459.3401,"sentiment":"neutral","sentiment_score":0.15218494832515717},{"text":"And that's that's absolutely fine.","start":1459.3401,"end":1461.4401,"sentiment":"positive","sentiment_score":0.5386597633361816},{"text":"So if if you're confident that you that that basically things are all under control, then that's fine.","start":1461.9,"end":1466.86,"sentiment":"positive","sentiment_score":0.563256722357538},{"text":"Absolutely.","start":1466.86,"end":1467.36,"sentiment":"positive","sentiment_score":0.5492703914642334}],"sentiment":"positive","sentiment_score":0.5306100942767583,"num_words":26,"start":1458.38,"end":1467.36},{"sentences":[{"text":"I guess the the biggest part is is that banks transitioning bank accounts over into an individual name can become hard without a will purely purely because privacy laws still stand even after someone has passed.","start":1468.8049,"end":1483.8,"sentiment":"neutral","sentiment_score":-0.06519273347738716},{"text":"And superannuation companies, insurance funds, and and banking banking institutions can make things difficult if there's no executor named.","start":1484.1799,"end":1495.355,"sentiment":"neutral","sentiment_score":-0.17397517789351313},{"text":"And that's really what it comes down to is naming an executor.","start":1495.735,"end":1498.875,"sentiment":"neutral","sentiment_score":0.018499709355334442},{"text":"There's obviously in a will, there's executives and beneficiaries.","start":1498.935,"end":1501.495,"sentiment":"neutral","sentiment_score":0.03358585791041454},{"text":"The executor is a person that is honoring the deceased's wishes, and the beneficiary is the people that are getting the money.","start":1501.495,"end":1507.44,"sentiment":"neutral","sentiment_score":0.10379284586418759}],"sentiment":"neutral","sentiment_score":-0.02902811166013078,"num_words":98,"start":1468.8049,"end":1507.44},{"sentences":[{"text":"So, like, for example, say, in your case, you may make your wife an executor and a beneficiary.","start":1508.0,"end":1512.0,"sentiment":"neutral","sentiment_score":0.11899811153610547},{"text":"There's not not anything wrong with that, providing, you know, she has the mental fortitude to be able to deal with it all upon your passing along with the kids.","start":1512.0,"end":1520.4199,"sentiment":"neutral","sentiment_score":0.25766381472349165},{"text":"Some people choose to make a mate, a brother, a friend, you know, the executor, so that way your wife can just deal with everything that has to happen.","start":1520.615,"end":1528.475,"sentiment":"neutral","sentiment_score":0.22308696806430817},{"text":"But it's all personal preference on that front, really.","start":1529.0951,"end":1532.155,"sentiment":"neutral","sentiment_score":0.13372015870279735},{"text":"There are obviously it's so far down the list.","start":1533.74,"end":1542.06,"sentiment":"neutral","sentiment_score":-0.031782166411479316}],"sentiment":"neutral","sentiment_score":0.18167204688254154,"num_words":95,"start":1508.0,"end":1542.06},{"sentences":[{"text":"I get it.","start":1542.06,"end":1542.88,"sentiment":"neutral","sentiment_score":0.03936528538664182},{"text":"It it took me until my kid was 10 or 11 till I finally got mine in place, and I've been saying it since just as long as he was alive.","start":1543.5,"end":1551.9651,"sentiment":"neutral","sentiment_score":0.011928061203610512},{"text":"So I completely understand it.","start":1552.265,"end":1554.1051,"sentiment":"neutral","sentiment_score":0.27444683015346527},{"text":"It is low.","start":1554.1051,"end":1554.9851,"sentiment":"neutral","sentiment_score":0.021646030247211456},{"text":"It's just always something that I like to raise because the assets that we're talking about do and can form part of the estate.","start":1554.9851,"end":1562.46,"sentiment":"neutral","sentiment_score":0.28083773562684655}],"sentiment":"neutral","sentiment_score":0.13129005530341106,"num_words":66,"start":1542.06,"end":1562.46},{"sentences":[{"text":"Now the I guess the best thing we can do, and it's, you know, nice and easy, is make sure that, obviously, your wishes are honored with your super fund, then your wishes are honored with your insurer to ensure that if anything happens, those benefits go pretty quickly to who you're wanting it to go to.","start":1563.32,"end":1583.365,"sentiment":"positive","sentiment_score":0.4704925804807429},{"text":"And that's, you know, beneficiary nomination forms and stuff like that.","start":1584.0651,"end":1587.025,"sentiment":"neutral","sentiment_score":0.2778234129602259},{"text":"So we'll definitely double check those to make sure that they're still honoring your wishes and go from there, if that makes sense.","start":1587.025,"end":1595.4199,"sentiment":"neutral","sentiment_score":0.3278916931670645},{"text":"Cool.","start":1597.16,"end":1597.66,"sentiment":"positive","sentiment_score":0.46449515223503113},{"text":"So with respect to, I guess, your super and your insurance since we're now touching on them, your superannuation fund is is Hub twenty four.","start":1598.44,"end":1608.115,"sentiment":"neutral","sentiment_score":0.14672899961471558}],"sentiment":"positive","sentiment_score":0.35511421978983104,"num_words":117,"start":1563.32,"end":1608.115},{"sentences":[{"text":"It's where where your your superannuation is invested, where everything's sitting.","start":1608.4149,"end":1614.595,"sentiment":"neutral","sentiment_score":0.11685410616072742},{"text":"Now with your super, it is invested in the market.","start":1615.455,"end":1620.63,"sentiment":"neutral","sentiment_score":0.08914111256599426},{"text":"So what happens is you purchase specific assets, and those assets, you know, perform as the market performs.","start":1620.63,"end":1628.65,"sentiment":"neutral","sentiment_score":0.09301843494176865},{"text":"Now the assets that you hold, majority of them are doing really well.","start":1628.9501,"end":1633.275,"sentiment":"neutral","sentiment_score":0.28778223120249236},{"text":"There is one that has underperformed a little bit that I have been migrating my clients out of slowly, and it's just because it's a what's called a high conviction fund.","start":1633.275,"end":1645.03,"sentiment":"neutral","sentiment_score":0.15213925824049981}],"sentiment":"neutral","sentiment_score":0.14829667630683946,"num_words":83,"start":1608.4149,"end":1645.03},{"sentences":[{"text":"So it's a it's a Australian equity spend along asset.","start":1645.3301,"end":1648.4701,"sentiment":"neutral","sentiment_score":0.11447750329971314},{"text":"And spend along that that fund, basically, they they put they purchase stocks and shares within that within that fund itself.","start":1648.8501,"end":1658.3049,"sentiment":"neutral","sentiment_score":0.09340824275499299},{"text":"And then, generally, what they're supposed to do is make small movements as the market varies.","start":1659.085,"end":1664.785,"sentiment":"neutral","sentiment_score":0.10166001040488482},{"text":"That fund, they are high conviction funds, and, basically, they stand back what they're invested in.","start":1665.245,"end":1671.2899,"sentiment":"neutral","sentiment_score":0.09622188797220588},{"text":"Now, traditionally, it has done really, really well.","start":1671.99,"end":1674.8899,"sentiment":"neutral","sentiment_score":0.13350496627390385}],"sentiment":"neutral","sentiment_score":0.10338729908558685,"num_words":71,"start":1645.3301,"end":1674.8899},{"sentences":[{"text":"Previous market volatility has seen it drop, and they're just not making the choice to make any moves on that fund.","start":1676.47,"end":1683.375,"sentiment":"negative","sentiment_score":-0.3425800913856143},{"text":"So my trust in that as an as an equity and as a fund as in itself has started to waiver, and I am moving my client out of that fund because I don't wanna see, you know, something that isn't gonna bounce back continue to be on on, you know, a whole portfolio.","start":1683.995,"end":1699.1599,"sentiment":"neutral","sentiment_score":-0.24160330121715864},{"text":"So what I would really like to do, and I guess this is me pushing more so than you requesting, is definitely a bit of an update to the portfolio as a whole to cater for that asset.","start":1700.1799,"end":1711.365,"sentiment":"positive","sentiment_score":0.39002704698788493},{"text":"As I said, everything else is looking really, really good.","start":1711.505,"end":1714.645,"sentiment":"positive","sentiment_score":0.6984171271324158},{"text":"You know, you diversified across not only, you know, equities and and different sectors, but also within asset classes as well.","start":1715.265,"end":1723.35,"sentiment":"positive","sentiment_score":0.4029064022359394}],"sentiment":"neutral","sentiment_score":0.0696213424930142,"num_words":144,"start":1676.47,"end":1723.35},{"sentences":[{"text":"It's just that one asset that's really, I guess, weighing things down.","start":1723.83,"end":1727.0499,"sentiment":"neutral","sentiment_score":0.2339900235335032},{"text":"Your balance sits today at at $247,000.","start":1727.6699,"end":1730.97,"sentiment":"neutral","sentiment_score":0.09932050641093935},{"text":"So it has had a little bit of a drop over the last month or last couple of weeks, I should say, just with the current things that are happening.","start":1731.6699,"end":1744.855,"sentiment":"neutral","sentiment_score":-0.19199646239479382},{"text":"And it's it's standard when whenever we You do have I can't account for previous to the hub account.","start":1746.435,"end":1774.0651,"sentiment":"neutral","sentiment_score":-0.037413434787212235},{"text":"But, you know, from, like, where the account sits now, it's been going really well.","start":1774.685,"end":1780.82,"sentiment":"neutral","sentiment_score":0.13730737591783207}],"sentiment":"neutral","sentiment_score":-0.010939935744033161,"num_words":83,"start":1723.83,"end":1780.82},{"sentences":[{"text":"I'm just looking over.","start":1780.82,"end":1783.24,"sentiment":"neutral","sentiment_score":-0.0016715414822101593},{"text":"Oh, I've seen a lot lower.","start":1787.06,"end":1788.68,"sentiment":"neutral","sentiment_score":-0.1576434075832367},{"text":"It it's, yeah, it's actually not too bad.","start":1789.22,"end":1792.0651,"sentiment":"neutral","sentiment_score":-0.12211910635232925},{"text":"Really breaking that, like, quarter 1,000,000 bracket is the hardest leg.","start":1792.0651,"end":1796.965,"sentiment":"neutral","sentiment_score":-0.31111833453178406},{"text":"Once you break that because, obviously, more money makes more money.","start":1797.025,"end":1799.985,"sentiment":"neutral","sentiment_score":-0.015146051618185911}],"sentiment":"neutral","sentiment_score":-0.1379601927474141,"num_words":40,"start":1780.82,"end":1799.985},{"sentences":[{"text":"So the more you have invested in the market, the more it starts compounding and moving.","start":1799.985,"end":1803.845,"sentiment":"neutral","sentiment_score":0.1503357554320246},{"text":"It's breaking that quarter mil.","start":1804.545,"end":1806.45,"sentiment":"neutral","sentiment_score":0.24101551175117492},{"text":"Once you break that, it does start really compounding and and making a massive difference.","start":1806.45,"end":1810.05,"sentiment":"positive","sentiment_score":0.3880955994129181},{"text":"Because if you think about it, you know, 10% on on 250,000, you've got yourself 25 growth over the year.","start":1810.05,"end":1816.29,"sentiment":"neutral","sentiment_score":0.16841922104358673},{"text":"So it's it's just about those those different, like, legs.","start":1816.29,"end":1820.6649,"sentiment":"neutral","sentiment_score":0.07843259200453759}],"sentiment":"neutral","sentiment_score":0.20582718148150228,"num_words":66,"start":1799.985,"end":1820.6649},{"sentences":[{"text":"You Yeah.","start":1820.6649,"end":1825.625,"sentiment":"neutral","sentiment_score":0.03333641216158867},{"text":"Yeah.","start":1825.625,"end":1826.125,"sentiment":"neutral","sentiment_score":0.03359883651137352},{"text":"So it will all depend to oh, to the tax brackets.","start":1834.6799,"end":1841.88,"sentiment":"neutral","sentiment_score":-0.01893024874681776},{"text":"Yes.","start":1841.88,"end":1842.38,"sentiment":"neutral","sentiment_score":0.0755767673254013},{"text":"47%.","start":1845.5651,"end":1846.525,"sentiment":"neutral","sentiment_score":0.07900890707969666}],"sentiment":"neutral","sentiment_score":0.0029140374390408397,"num_words":16,"start":1820.6649,"end":1846.525},{"sentences":[{"text":"Yeah.","start":1846.525,"end":1846.845,"sentiment":"neutral","sentiment_score":0.030944103375077248},{"text":"So currently, you're sitting in I know.","start":1846.845,"end":1850.225,"sentiment":"neutral","sentiment_score":-0.030461802014282773},{"text":"It was 45 plus 2% levy 2% Medicare levy, but, yep, 47%.","start":1851.5651,"end":1856.35,"sentiment":"neutral","sentiment_score":-0.051320355385541916},{"text":"Currently, you're sitting in the 39% bracket.","start":1856.35,"end":1859.73,"sentiment":"neutral","sentiment_score":-0.0542913693934679},{"text":"So every dollar that you earn over a 135,000 is charged at 39¢ tax wise.","start":1860.11,"end":1870.355,"sentiment":"neutral","sentiment_score":-0.04518157682780709}],"sentiment":"neutral","sentiment_score":-0.04416376674865804,"num_words":42,"start":1846.525,"end":1870.355},{"sentences":[{"text":"Yeah.","start":1873.6951,"end":1874.1951,"sentiment":"neutral","sentiment_score":0.08138401806354523},{"text":"So tax brackets work.","start":1874.255,"end":1875.775,"sentiment":"neutral","sentiment_score":0.11922458745539188},{"text":"So, basically, not that they pay it this this way because otherwise it'd be really confusing for people as they get, you know, through the year.","start":1875.775,"end":1883.1901,"sentiment":"neutral","sentiment_score":-0.05159587011887477},{"text":"It's averaged out.","start":1883.3301,"end":1884.55,"sentiment":"neutral","sentiment_score":0.052082132548093796},{"text":"But, basically, the first $18,200 that you earn in any financial year is tax free.","start":1884.8501,"end":1892.63,"sentiment":"neutral","sentiment_score":0.12942165186007817}],"sentiment":"neutral","sentiment_score":0.026823692251833117,"num_words":49,"start":1873.6951,"end":1892.63},{"sentences":[{"text":"Right?","start":1892.93,"end":1893.3301,"sentiment":"neutral","sentiment_score":0.07689166814088821},{"text":"So let's just say, for example, say, in the year you went and earned $18 in one month, you would pay tax on that money straight up because it would be assumed that in that month, you were gonna earn $18 each month following through.","start":1893.3301,"end":1907.575,"sentiment":"neutral","sentiment_score":0.020057940897014407},{"text":"So they would gross it up and say, oh, well, you're gonna earn, you know, $200,000.","start":1907.575,"end":1912.075,"sentiment":"neutral","sentiment_score":0.04545589932240546},{"text":"So therefore, we're gonna charge you at what is appropriate for that amount of money.","start":1912.3301,"end":1915.93,"sentiment":"neutral","sentiment_score":0.03818147505323092},{"text":"Now, obviously, if you only earn that $18,000, you would go into your tax return.","start":1915.93,"end":1919.2101,"sentiment":"neutral","sentiment_score":0.00395418256521225}],"sentiment":"neutral","sentiment_score":0.02542204632545295,"num_words":92,"start":1892.93,"end":1919.2101},{"sentences":[{"text":"You get all that money back on your tax return.","start":1919.2101,"end":1921.15,"sentiment":"neutral","sentiment_score":0.06495338007807731},{"text":"So the next bracket up from there is, like, 18,201 through to 45,000, and that's 16¢ on every dollar over 18,000.","start":1922.5701,"end":1931.295,"sentiment":"neutral","sentiment_score":0.04022099021822214},{"text":"Then it's 45 to $1.35 at 30¢, and then it's $1.35 to $1.90, which is your 37 slash your Medicare, and then it's $1.90 and over, which is your 40 5.","start":1931.295,"end":1943.6699,"sentiment":"neutral","sentiment_score":-0.08556338444609067},{"text":"Mhmm.","start":1944.5299,"end":1945.0299,"sentiment":"neutral","sentiment_score":0.0688413679599762},{"text":"Yes and yes and no.","start":1954.145,"end":1957.2849,"sentiment":"neutral","sentiment_score":-0.044412538409233086}],"sentiment":"neutral","sentiment_score":-0.01816316719811696,"num_words":68,"start":1919.2101,"end":1957.2849},{"sentences":[{"text":"It all just depends on, obviously, your cost of living.","start":1958.145,"end":1961.105,"sentiment":"neutral","sentiment_score":-0.16698887199163437},{"text":"So when it comes to salary sacrifice, there are a couple of considerations.","start":1961.105,"end":1965.9,"sentiment":"neutral","sentiment_score":-0.06263032440955822},{"text":"The first consideration is how much you're allowed to actually contribute, which you're only allowed to contribute up to $30,000 in any financial year under some certain rules.","start":1965.9,"end":1975.6,"sentiment":"neutral","sentiment_score":-0.028153632301837206},{"text":"Now there are ways that you can utilize previous years, what they call contribution caps, to be able to put more in, but the other consideration is is your actual living expenses.","start":1976.3151,"end":1989.535,"sentiment":"neutral","sentiment_score":0.03680430504027754},{"text":"If you're currently living on the net of a $185,000 for your family putting nothing into savings, then there's not really any room for you as a family to put money into your super.","start":1990.11,"end":1999.87,"sentiment":"neutral","sentiment_score":-0.27743337977239313}],"sentiment":"neutral","sentiment_score":-0.09852463070653443,"num_words":117,"start":1958.145,"end":1999.87},{"sentences":[{"text":"While it is another savings account, it's a savings account you can't currently live on.","start":1999.87,"end":2003.65,"sentiment":"neutral","sentiment_score":-0.21810354789098105},{"text":"So that's the probably the biggest immediate consideration that needs to be made is can you afford to put money into your fund under salary sacrifice, and what does that sort of look like?","start":2003.765,"end":2014.4851,"sentiment":"neutral","sentiment_score":-0.1563120363828014},{"text":"So you could turn around and say, I can afford, say, $300 a month that I would lose.","start":2014.4851,"end":2019.68,"sentiment":"neutral","sentiment_score":-0.2002916940384441},{"text":"Now what I would do is I would say, cool.","start":2019.8201,"end":2021.5801,"sentiment":"neutral","sentiment_score":0.18911176919937134},{"text":"That's $300 a month net that you're happy to forego out of your net income.","start":2021.5801,"end":2026.0,"sentiment":"neutral","sentiment_score":0.14004919131596882}],"sentiment":"neutral","sentiment_score":-0.0891256237645512,"num_words":92,"start":1999.87,"end":2026.0},{"sentences":[{"text":"What does that convert into from a gross perspective?","start":2026.22,"end":2028.96,"sentiment":"neutral","sentiment_score":0.054768267191118665},{"text":"Because it would come out of your gross income before tax comes off it.","start":2029.8201,"end":2034.0549,"sentiment":"neutral","sentiment_score":0.16111595769013679},{"text":"And that's what I would do, but you would need to make the consideration.","start":2034.4349,"end":2038.375,"sentiment":"neutral","sentiment_score":0.14490935179804051},{"text":"Yeah.","start":2050.6099,"end":2051.1099,"sentiment":"neutral","sentiment_score":-0.0361793115735054},{"text":"Because currently, your employer on, like, the 185, your your employer like, Rio Tinto would put $2,222,200 into your fund on your behalf.","start":2051.17,"end":2060.5251,"sentiment":"neutral","sentiment_score":0.11220906934012538}],"sentiment":"neutral","sentiment_score":0.12003111509514637,"num_words":61,"start":2026.22,"end":2060.5251},{"sentences":[{"text":"So you're just you know, you're basically $7,800 away from hitting that cap, but you've never earned to the point where you could where you would still have room in those contribution caps from the last five years that we could we could use.","start":2061.225,"end":2075.4102,"sentiment":"neutral","sentiment_score":0.2243486771529371},{"text":"So if you ever got, like, say, a lump sum payout, we could probably put some money in that way.","start":2075.6301,"end":2080.545,"sentiment":"neutral","sentiment_score":0.274097940325737},{"text":"In terms of other, I guess, investments, none of them are really as tax effective as super contributions.","start":2081.505,"end":2088.2449,"sentiment":"neutral","sentiment_score":0.0743327865170108},{"text":"But, again, investing personally, you have access to it.","start":2090.2249,"end":2096.34,"sentiment":"neutral","sentiment_score":0.17779143816894954},{"text":"So, you know, the 15,000 that you have currently in the offset, it's in the offset, but it's only offsetting, say, the, you know, the four and a bit percent or the 5% interest that you would accrue on your mortgage.","start":2096.4001,"end":2107.695,"sentiment":"neutral","sentiment_score":0.0686762040798984}],"sentiment":"neutral","sentiment_score":0.15990256113141324,"num_words":132,"start":2061.225,"end":2107.695},{"sentences":[{"text":"You could invest that 15%, and you could get 6%, 7%.","start":2107.9949,"end":2113.515,"sentiment":"neutral","sentiment_score":0.1348910785534165},{"text":"You could also drop and only earn two or 3%.","start":2113.515,"end":2117.515,"sentiment":"neutral","sentiment_score":0.028172642365097998},{"text":"So it's depending on the risk level that you're willing Yeah.","start":2117.515,"end":2121.1301,"sentiment":"neutral","sentiment_score":-0.0274293375286189},{"text":"So whether you're Yeah.","start":2121.1301,"end":2124.67,"sentiment":"neutral","sentiment_score":-0.0439457674510777},{"text":"Yeah.","start":2127.93,"end":2128.41,"sentiment":"neutral","sentiment_score":0.01605374366044998}],"sentiment":"neutral","sentiment_score":0.035245304021078186,"num_words":37,"start":2107.9949,"end":2128.41},{"sentences":[{"text":"And that's and that's sort of, I guess, the the consideration of the question.","start":2128.41,"end":2132.35,"sentiment":"neutral","sentiment_score":0.0010019606977169002},{"text":"Yeah.","start":2138.615,"end":2139.115,"sentiment":"neutral","sentiment_score":-0.1331593096256256},{"text":"Mhmm.","start":2142.4548,"end":2142.9548,"sentiment":"neutral","sentiment_score":-0.19042524695396423},{"text":"Yeah.","start":2147.43,"end":2147.93,"sentiment":"neutral","sentiment_score":-0.19056513905525208},{"text":"Which is completely fair.","start":2148.31,"end":2149.85,"sentiment":"neutral","sentiment_score":-0.2860035467892885}],"sentiment":"neutral","sentiment_score":-0.07829221109637902,"num_words":21,"start":2128.41,"end":2149.85},{"sentences":[{"text":"Two thousand and '1.","start":2153.51,"end":2154.73,"sentiment":"neutral","sentiment_score":-0.07291625067591667},{"text":"Yeah.","start":2155.35,"end":2155.85,"sentiment":"neutral","sentiment_score":-0.2319392561912537},{"text":"Yep.","start":2158.075,"end":2158.575,"sentiment":"neutral","sentiment_score":-0.040038250386714935},{"text":"Yeah.","start":2158.955,"end":2159.355,"sentiment":"neutral","sentiment_score":-0.026173017919063568},{"text":"If you if you look if you look back far enough, you'll you sort of see the cycles.","start":2159.355,"end":2162.875,"sentiment":"neutral","sentiment_score":-0.022133336127606325}],"sentiment":"neutral","sentiment_score":-0.03952862309990451,"num_words":25,"start":2153.51,"end":2162.875},{"sentences":[{"text":"It's, you know, o one.","start":2162.875,"end":2164.815,"sentiment":"neutral","sentiment_score":0.016249403916299344},{"text":"There's o o seven to o nine.","start":2165.115,"end":2168.2551,"sentiment":"neutral","sentiment_score":0.011030095496347972},{"text":"Then you got COVID in 2021 where you've got your big dips, but you also see the pop back up on the other side.","start":2168.635,"end":2179.55,"sentiment":"neutral","sentiment_score":0.0068637939014782505},{"text":"So whilst, yeah, they do dip.","start":2179.55,"end":2181.1702,"sentiment":"neutral","sentiment_score":0.018733734109749395},{"text":"Yeah.","start":2181.47,"end":2181.79,"sentiment":"neutral","sentiment_score":0.09862983971834184}],"sentiment":"neutral","sentiment_score":0.012423743862052297,"num_words":43,"start":2162.875,"end":2181.79},{"sentences":[{"text":"And even if you look back on, you know, thirty, forty, fifty years, you even see, you know, through, you know, the walls and stuff like that that they it does obviously take effect.","start":2181.79,"end":2193.685,"sentiment":"neutral","sentiment_score":0.11122542729272562},{"text":"But right now, what you can take confidence in is that this is money you're not touching.","start":2193.985,"end":2198.805,"sentiment":"positive","sentiment_score":0.41433852472726035},{"text":"It's money that's invested, and we wanna make sure it's obviously making the most for you, but it's not money that's taking away from your cost of living.","start":2198.98,"end":2207.72,"sentiment":"neutral","sentiment_score":0.1643325396414314},{"text":"Yeah.","start":2209.46,"end":2209.96,"sentiment":"neutral","sentiment_score":0.2459272593259811},{"text":"So, yes, con contributions additional, definitely going to help, especially at the moment where you can buy in low while the market has had a drop, but you need to service the family and make sure that you can actually put food on the table.","start":2210.5,"end":2225.72,"sentiment":"neutral","sentiment_score":0.2974548523624738}],"sentiment":"neutral","sentiment_score":0.23246500939130782,"num_words":125,"start":2181.79,"end":2225.72},{"sentences":[{"text":"Yeah.","start":2227.22,"end":2227.62,"sentiment":"neutral","sentiment_score":0.170863538980484},{"text":"So probably not a consideration for right now, but fingers crossed Rio Tinto give you that pay rise, and you'll be good.","start":2227.62,"end":2234.52,"sentiment":"neutral","sentiment_score":0.16617510857229884},{"text":"Yes.","start":2237.06,"end":2237.56,"sentiment":"neutral","sentiment_score":0.04532444477081299},{"text":"Now I've been talking and not looking up what I wanted to look up while I was talking because I got distracted.","start":2238.645,"end":2244.825,"sentiment":"neutral","sentiment_score":-0.11129073866389015},{"text":"Crazy.","start":2245.7651,"end":2246.165,"sentiment":"neutral","sentiment_score":-0.31792157888412476}],"sentiment":"neutral","sentiment_score":0.02352601155004603,"num_words":47,"start":2227.22,"end":2246.165},{"sentences":[{"text":"I'm a woman, but I'm terrible at multitasking today.","start":2246.165,"end":2248.825,"sentiment":"neutral","sentiment_score":-0.3066525326834785},{"text":"Does happen from time to time.","start":2251.54,"end":2253.0798,"sentiment":"neutral","sentiment_score":-0.10719702889521916},{"text":"Where was it?","start":2257.6199,"end":2258.8398,"sentiment":"neutral","sentiment_score":-0.03720527949432532},{"text":"I downloaded your insurance statement earlier.","start":2259.14,"end":2265.035,"sentiment":"neutral","sentiment_score":-0.022914841305464506},{"text":"It's sitting over, if I remember correctly.","start":2293.5251,"end":2295.945,"sentiment":"neutral","sentiment_score":-0.06885936962706703}],"sentiment":"neutral","sentiment_score":-0.1333604981041243,"num_words":31,"start":2246.165,"end":2295.945},{"sentences":[{"text":"I'm just pulling it up.","start":2296.165,"end":2305.8599,"sentiment":"neutral","sentiment_score":-0.026263420656323432},{"text":"Yes.","start":2305.8599,"end":2306.3398,"sentiment":"neutral","sentiment_score":0.03962583467364311},{"text":"Yeah.","start":2306.3398,"end":2306.5798,"sentiment":"neutral","sentiment_score":0.03150050714612007},{"text":"Yeah.","start":2306.5798,"end":2306.8198,"sentiment":"neutral","sentiment_score":0.03355751186609268},{"text":"Yeah.","start":2306.8198,"end":2307.3198,"sentiment":"neutral","sentiment_score":0.0028436349239200354}],"sentiment":"neutral","sentiment_score":-0.002643290519093474,"num_words":9,"start":2296.165,"end":2307.3198},{"sentences":[{"text":"What does the family get out of it?","start":2315.7952,"end":2317.075,"sentiment":"neutral","sentiment_score":0.09668261185288429},{"text":"Yeah.","start":2317.075,"end":2317.3152,"sentiment":"neutral","sentiment_score":0.26669377088546753},{"text":"Definitely.","start":2317.3152,"end":2317.8152,"sentiment":"positive","sentiment_score":0.3565821051597595},{"text":"Yeah.","start":2321.5552,"end":2321.955,"sentiment":"neutral","sentiment_score":0.20193634927272797},{"text":"So you've got in life insurance, you've got 1.59.","start":2321.955,"end":2327.83,"sentiment":"neutral","sentiment_score":0.11703778306643169}],"sentiment":"neutral","sentiment_score":0.13260065838694574,"num_words":20,"start":2315.7952,"end":2327.83},{"sentences":[{"text":"So 1,000,000 590.","start":2328.85,"end":2330.87,"sentiment":"neutral","sentiment_score":0.053349186976750694},{"text":"I'll send it to you anyway, but definitely.","start":2333.8901,"end":2336.07,"sentiment":"neutral","sentiment_score":0.07776733487844467},{"text":"Yep.","start":2367.115,"end":2367.615,"sentiment":"neutral","sentiment_score":0.06782625615596771},{"text":"So life insurance is $1,591,348.96.","start":2371.915,"end":2381.8198,"sentiment":"neutral","sentiment_score":-0.0198644507676363},{"text":"We're gonna be specific.","start":2382.68,"end":2383.8198,"sentiment":"neutral","sentiment_score":-0.012550070881843567}],"sentiment":"neutral","sentiment_score":0.03335666470229626,"num_words":21,"start":2328.85,"end":2383.8198},{"sentences":[{"text":"Total and permanent disability is of the same amount.","start":2386.5999,"end":2389.42,"sentiment":"neutral","sentiment_score":-0.07558060768577787},{"text":"So 159134896.","start":2391.985,"end":2397.125,"sentiment":"neutral","sentiment_score":-0.01769621716812253},{"text":"So to define them, life insurance pays out if you were to pass away or be diagnosed as terminally ill.","start":2400.385,"end":2405.64,"sentiment":"neutral","sentiment_score":-0.11703134570270776},{"text":"Total permanent disability pays out if you were totally and permanently disabled, not able to work in any occupation in which you were trained qualified or have experience in.","start":2406.2798,"end":2413.66,"sentiment":"neutral","sentiment_score":-0.06428073629223068},{"text":"Income protection, you have a ninety day waiting period.","start":2416.92,"end":2420.1748,"sentiment":"neutral","sentiment_score":0.028031886762215033}],"sentiment":"neutral","sentiment_score":-0.06765361143735008,"num_words":69,"start":2386.5999,"end":2420.1748},{"sentences":[{"text":"So if you're off work for ninety days, then your policy can pay you for up to five years.","start":2420.1748,"end":2427.375,"sentiment":"neutral","sentiment_score":0.03546557943091581},{"text":"So it's a five year benefit period, and you're paid $13,909.16 a month.","start":2427.375,"end":2437.48,"sentiment":"neutral","sentiment_score":0.07153478393761012},{"text":"One three nine zero nine and sixteen.","start":2443.555,"end":2446.455,"sentiment":"neutral","sentiment_score":-0.0023859920246260507},{"text":"Per month.","start":2449.315,"end":2449.955,"sentiment":"neutral","sentiment_score":-0.004018499981611968},{"text":"Yes.","start":2449.955,"end":2450.455,"sentiment":"neutral","sentiment_score":0.04028242826461792}],"sentiment":"neutral","sentiment_score":0.038555754392984365,"num_words":42,"start":2420.1748,"end":2450.455},{"sentences":[{"text":"Premium.","start":2467.345,"end":2467.845,"sentiment":"neutral","sentiment_score":-0.04566023498773575},{"text":"Mhmm.","start":2468.0652,"end":2468.5652,"sentiment":"neutral","sentiment_score":-0.02532993070781231},{"text":"Policy?","start":2477.745,"end":2478.245,"sentiment":"neutral","sentiment_score":-0.01021970435976982},{"text":"Yes.","start":2480.48,"end":2480.88,"sentiment":"neutral","sentiment_score":0.09902465343475342},{"text":"Yep.","start":2480.88,"end":2481.38,"sentiment":"neutral","sentiment_score":0.08263041079044342}],"sentiment":"neutral","sentiment_score":0.02008903883397579,"num_words":5,"start":2467.345,"end":2481.38},{"sentences":[{"text":"Yes.","start":2485.2,"end":2485.5999,"sentiment":"neutral","sentiment_score":0.05945000424981117},{"text":"Yep.","start":2485.5999,"end":2486.0999,"sentiment":"neutral","sentiment_score":0.05221116170287132},{"text":"Yep.","start":2490.16,"end":2490.66,"sentiment":"neutral","sentiment_score":-0.03838053718209267},{"text":"Mhmm.","start":2495.375,"end":2495.875,"sentiment":"neutral","sentiment_score":-0.21918658912181857},{"text":"Twelve months.","start":2515.07,"end":2516.29,"sentiment":"neutral","sentiment_score":-0.0017466489225625992}],"sentiment":"neutral","sentiment_score":-0.02489987636605899,"num_words":6,"start":2485.2,"end":2516.29},{"sentences":[{"text":"Full pay.","start":2518.125,"end":2518.945,"sentiment":"neutral","sentiment_score":0.024081085808575153},{"text":"Okay.","start":2519.965,"end":2520.465,"sentiment":"neutral","sentiment_score":0.034664832055568695},{"text":"Yep.","start":2526.7651,"end":2527.2651,"sentiment":"neutral","sentiment_score":0.038668639957904816},{"text":"Okay.","start":2539.18,"end":2539.68,"sentiment":"neutral","sentiment_score":0.04438116401433945},{"text":"Premiums?","start":2545.915,"end":2546.415,"sentiment":"neutral","sentiment_score":0.02520739659667015}],"sentiment":"neutral","sentiment_score":0.03184736737360557,"num_words":6,"start":2518.125,"end":2546.415},{"sentences":[{"text":"Yeah.","start":2547.2751,"end":2547.7751,"sentiment":"neutral","sentiment_score":0.017116989940404892},{"text":"That's like So I guess, yes, we can definitely change things, and it will affect the premiums.","start":2547.835,"end":2567.31,"sentiment":"neutral","sentiment_score":0.07036180701106787},{"text":"The I guess the there's a couple of ways we can change the policy.","start":2571.805,"end":2576.785,"sentiment":"neutral","sentiment_score":-0.04617906468255179},{"text":"One of the ways would be to to drop the benefit period.","start":2577.325,"end":2581.165,"sentiment":"neutral","sentiment_score":-0.07131786861767371},{"text":"So it's currently a five year benefit period.","start":2581.165,"end":2583.005,"sentiment":"neutral","sentiment_score":-0.04999592271633446}],"sentiment":"neutral","sentiment_score":-0.013250403876344744,"num_words":52,"start":2547.2751,"end":2583.005},{"sentences":[{"text":"You could drop it to two years, and that would that would bring the premium down.","start":2583.005,"end":2590.6,"sentiment":"neutral","sentiment_score":-0.03485016920603812},{"text":"I'd have to quote it to find out exactly what it would drop the premium to, but it would would definitely help.","start":2590.98,"end":2599.045,"sentiment":"neutral","sentiment_score":-0.0016235888681628487},{"text":"Or the correct.","start":2601.105,"end":2605.765,"sentiment":"neutral","sentiment_score":-0.09105898191531499},{"text":"Yes.","start":2605.9048,"end":2606.305,"sentiment":"neutral","sentiment_score":-0.1449558585882187},{"text":"It won't help in that way.","start":2606.305,"end":2607.765,"sentiment":"neutral","sentiment_score":-0.3025976965824763}],"sentiment":"neutral","sentiment_score":-0.05889668012969196,"num_words":48,"start":2583.005,"end":2607.765},{"sentences":[{"text":"There is one benefit I haven't touched on yet because it falls a little bit outside of life TPD and IP, and that's trauma policy, which you're insured for $318,269.79.","start":2607.825,"end":2621.73,"sentiment":"neutral","sentiment_score":-0.10907325704271595},{"text":"That's a lump sum payout that would give you money if you are battling cancer.","start":2622.875,"end":2627.295,"sentiment":"neutral","sentiment_score":0.0026805661618709564},{"text":"That that Yeah.","start":2629.275,"end":2643.07,"sentiment":"neutral","sentiment_score":-0.19089377423127493},{"text":"No.","start":2643.4502,"end":2643.6902,"sentiment":"negative","sentiment_score":-0.4965697526931762},{"text":"It's like medical trauma events.","start":2643.6902,"end":2645.55,"sentiment":"negative","sentiment_score":-0.3904048502445221}],"sentiment":"neutral","sentiment_score":-0.11580119528635233,"num_words":54,"start":2607.825,"end":2645.55},{"sentences":[{"text":"So, like, if you fell off a ladder and you severely impacted your brain, yes.","start":2645.61,"end":2649.645,"sentiment":"neutral","sentiment_score":-0.3302476108074188},{"text":"If you there are some side benefits that, like, if anything had happened or if you did fall off a ladder, like, call me and, you know, so long as it's significance ish, like, if you just got a gas on your legs, no.","start":2650.845,"end":2662.705,"sentiment":"neutral","sentiment_score":-0.08618002308701928},{"text":"But if you're, you know, bed bed bound for, you know, two weeks because of it, then give me a call because there are benefits that we could probably look at claiming under that.","start":2662.7651,"end":2671.61,"sentiment":"neutral","sentiment_score":-0.043664738207178956},{"text":"It's very situational that we'd have to sort of talk about, and I have to look at and pull apart the PDFs to make sure.","start":2671.6702,"end":2677.61,"sentiment":"neutral","sentiment_score":-0.0999063267558813},{"text":"Yes.","start":2684.7952,"end":2685.2952,"sentiment":"neutral","sentiment_score":0.01619517058134079}],"sentiment":"neutral","sentiment_score":-0.10682100231344459,"num_words":119,"start":2645.61,"end":2685.2952},{"sentences":[{"text":"Nope.","start":2688.475,"end":2688.975,"sentiment":"neutral","sentiment_score":-0.1179424375295639},{"text":"No.","start":2689.2751,"end":2689.7751,"sentiment":"neutral","sentiment_score":-0.07495511323213577},{"text":"No.","start":2693.05,"end":2693.55,"sentiment":"neutral","sentiment_score":-0.19165179133415225},{"text":"Do you enjoy it?","start":2693.93,"end":2695.15,"sentiment":"neutral","sentiment_score":-0.16639388725161552},{"text":"No.","start":2696.17,"end":2696.49,"sentiment":"neutral","sentiment_score":-0.07783536612987518}],"sentiment":"neutral","sentiment_score":-0.14099503215402365,"num_words":8,"start":2688.475,"end":2696.49},{"sentences":[{"text":"No.","start":2696.49,"end":2696.73,"sentiment":"neutral","sentiment_score":-0.042351845651865005},{"text":"If you were you were rock climbing or whatever the case may be, absolutely fine.","start":2696.73,"end":2701.55,"sentiment":"neutral","sentiment_score":0.03610192065437635},{"text":"Not not an issue.","start":2702.4849,"end":2703.865,"sentiment":"neutral","sentiment_score":0.031349899247288704},{"text":"You could be doing whatever it is that you're doing.","start":2704.165,"end":2706.2449,"sentiment":"neutral","sentiment_score":0.15939123257994653},{"text":"It's whatever you're doing in your normal life.","start":2706.2449,"end":2707.925,"sentiment":"neutral","sentiment_score":0.07183155883103609}],"sentiment":"neutral","sentiment_score":0.07350371993686024,"num_words":38,"start":2696.49,"end":2707.925},{"sentences":[{"text":"So let's just say you're up on the roof, fixing the roof of the the house, and you fell and something happened to you.","start":2707.925,"end":2714.105,"sentiment":"neutral","sentiment_score":-0.01482320367358625},{"text":"You're covered there.","start":2714.805,"end":2715.865,"sentiment":"neutral","sentiment_score":-0.03638806069890658},{"text":"If if if it's just anything in that realm that could possibly happen irrespective of whether you're at work or not.","start":2716.645,"end":2725.1,"sentiment":"neutral","sentiment_score":-0.13986918614024207},{"text":"Now, obviously, if you're at work, work does help, but I don't know if you've ever been a part of or watched any of the guys go through a work cover claim.","start":2725.1,"end":2736.335,"sentiment":"neutral","sentiment_score":-0.11123868694994599},{"text":"They do start dropping off in benefits.","start":2736.475,"end":2738.475,"sentiment":"neutral","sentiment_score":-0.24904708138534}],"sentiment":"neutral","sentiment_score":-0.10005909806096006,"num_words":87,"start":2707.925,"end":2738.475},{"sentences":[{"text":"So, generally, they pay a 100%, and then it eventually drops to 90 and then 85 and then 65, and then they pay you out.","start":2738.475,"end":2744.7349,"sentiment":"neutral","sentiment_score":-0.12532362401485442},{"text":"And it doesn't give you, you know, any sort of longevity, which is where the secondary IP policy can kick in and where your TPD comes into effect if, you know, you're long term never able to work again.","start":2746.2,"end":2756.68,"sentiment":"neutral","sentiment_score":-0.03608322965028959},{"text":"That 1.5 is obviously gonna pay off a little bit of mortgage and set you up with a massive lump sum.","start":2756.68,"end":2762.745,"sentiment":"neutral","sentiment_score":0.04612266272306442},{"text":"But if we ever went to claim, we could definitely look at what that would look like for you.","start":2762.745,"end":2769.965,"sentiment":"neutral","sentiment_score":0.13217237513316304},{"text":"Now premium I've skipped over it.","start":2771.4,"end":2773.0798,"sentiment":"neutral","sentiment_score":-0.0426388755440712}],"sentiment":"neutral","sentiment_score":-0.0119665342298421,"num_words":110,"start":2738.475,"end":2773.0798},{"sentences":[{"text":"So sorry.","start":2773.0798,"end":2773.74,"sentiment":"neutral","sentiment_score":-0.04199386574327946},{"text":"Premium is from your super fund for the life PPD and and IP is $1,896.60 per annum.","start":2773.8,"end":2782.54,"sentiment":"neutral","sentiment_score":0.0072962099220603704},{"text":"So $1.08 $9.06 and 60 per year.","start":2786.2952,"end":2792.7952,"sentiment":"neutral","sentiment_score":0.0010339605755039624},{"text":"And then, no, it's actually quite reasonable.","start":2793.095,"end":2798.41,"sentiment":"neutral","sentiment_score":0.008771531816039766},{"text":"I've even triple checked when I had a look at it because I wanna have a look at it.","start":2798.63,"end":2812.905,"sentiment":"neutral","sentiment_score":0.05296243580156251}],"sentiment":"neutral","sentiment_score":0.021441780079980023,"num_words":52,"start":2773.0798,"end":2812.905},{"sentences":[{"text":"Like, I probably need a couple more questions to do with your job.","start":2812.965,"end":2816.105,"sentiment":"neutral","sentiment_score":0.007370360625477938},{"text":"I do wanna look and see whether we can get an occupation rating change to it.","start":2816.645,"end":2825.0833,"sentiment":"neutral","sentiment_score":0.046541458228603005},{"text":"It is hard with Resolution Life just because they are what's called a grandfathered book.","start":2826.29,"end":2830.21,"sentiment":"neutral","sentiment_score":-0.25728501776854196},{"text":"Like, they're no longer Resolution Life sold their book.","start":2830.21,"end":2834.23,"sentiment":"neutral","sentiment_score":-0.2221454398499595},{"text":"Oh, how long ago?","start":2835.045,"end":2838.345,"sentiment":"neutral","sentiment_score":-0.05384785495698452}],"sentiment":"neutral","sentiment_score":-0.09181574781082179,"num_words":57,"start":2812.965,"end":2838.345},{"sentences":[{"text":"Past a decade?","start":2838.9648,"end":2839.785,"sentiment":"neutral","sentiment_score":-0.04757490133245786},{"text":"More?","start":2839.9248,"end":2840.4248,"sentiment":"neutral","sentiment_score":-0.0558609664440155},{"text":"Yeah.","start":2841.125,"end":2841.4448,"sentiment":"neutral","sentiment_score":-0.030792035162448883},{"text":"Probably about six six, seven years ago?","start":2841.4448,"end":2843.545,"sentiment":"neutral","sentiment_score":-0.033164488683853834},{"text":"Yes.","start":2843.6848,"end":2844.005,"sentiment":"neutral","sentiment_score":-0.002569415606558323}],"sentiment":"neutral","sentiment_score":-0.03569988784595178,"num_words":13,"start":2838.9648,"end":2844.005},{"sentences":[{"text":"Yes.","start":2844.005,"end":2844.2449,"sentiment":"neutral","sentiment_score":0.0023063961416482925},{"text":"So it was used to be called AMP Elevate, and they transitioned to Resolution Life and then grandfathered and sold their books.","start":2844.2449,"end":2850.9402,"sentiment":"neutral","sentiment_score":-0.04676274794407866},{"text":"They sacked 90% of their workforce, and they only have a very small, basically, claims team that they that that work for them now.","start":2850.9402,"end":2860.32,"sentiment":"neutral","sentiment_score":-0.20226162485778332},{"text":"They just they got to a point as a as a insurer that they got they hit their cap.","start":2860.86,"end":2865.7751,"sentiment":"neutral","sentiment_score":-0.14321477319064893},{"text":"They weren't gonna insure any other people because the risk having reinsurers and underwriters and everything like that, they just made the decision that they weren't gonna write anyone.","start":2865.7751,"end":2874.2551,"sentiment":"neutral","sentiment_score":-0.19332450576897325}],"sentiment":"neutral","sentiment_score":-0.14956046750670984,"num_words":95,"start":2844.005,"end":2874.2551},{"sentences":[{"text":"I love Resolution Life.","start":2874.2551,"end":2875.375,"sentiment":"positive","sentiment_score":0.5461173057556152},{"text":"Don't get me wrong.","start":2875.375,"end":2876.095,"sentiment":"neutral","sentiment_score":0.23690524511039257},{"text":"Like, in no way, shape, or form am I saying the product's not great.","start":2876.095,"end":2879.01,"sentiment":"negative","sentiment_score":-0.36349266341754366},{"text":"It is a fantastic product.","start":2879.09,"end":2880.53,"sentiment":"positive","sentiment_score":0.61002676486969},{"text":"And especially for someone in your occupation, they are pretty much the only people that will ensure your occupation.","start":2880.53,"end":2887.51,"sentiment":"neutral","sentiment_score":0.244317239052371}],"sentiment":"neutral","sentiment_score":0.12468161482525908,"num_words":46,"start":2874.2551,"end":2887.51},{"sentences":[{"text":"There's not really any anyone on the market that do.","start":2888.05,"end":2890.95,"sentiment":"neutral","sentiment_score":-0.12779926061630248},{"text":"Yeah.","start":2900.885,"end":2901.2852,"sentiment":"neutral","sentiment_score":-0.028351955115795135},{"text":"Yeah.","start":2901.2852,"end":2901.605,"sentiment":"neutral","sentiment_score":-0.03938230127096176},{"text":"No one really ensures your your occupation.","start":2901.605,"end":2903.865,"sentiment":"neutral","sentiment_score":-0.09103728298630033},{"text":"But I can definitely have a look to see whether there is something, and I sort of already wrote in my notes to have a look.","start":2905.28,"end":2911.06,"sentiment":"neutral","sentiment_score":0.034828005716777764}],"sentiment":"neutral","sentiment_score":-0.02394354877372583,"num_words":45,"start":2888.05,"end":2911.06},{"sentences":[{"text":"It just sort of depends on, I guess, the percentage of how much you work with explosives now versus how much you did previously.","start":2912.96,"end":2919.7,"sentiment":"neutral","sentiment_score":-0.01724425928356747},{"text":"Generally speaking, they kind of consider any explosives as explosives irrespective of percentage.","start":2920.9148,"end":2926.9348,"sentiment":"neutral","sentiment_score":-0.022027054371742103},{"text":"And there's probably not gonna be a lot of movement, but it's still something I wanna look at anyway.","start":2927.395,"end":2931.395,"sentiment":"neutral","sentiment_score":-0.0980019463520301},{"text":"Just I think not bad.","start":2931.395,"end":2936.04,"sentiment":"neutral","sentiment_score":-0.16312129944562911},{"text":"Yeah.","start":2938.66,"end":2939.16,"sentiment":"neutral","sentiment_score":-0.04257656633853912}],"sentiment":"neutral","sentiment_score":-0.05516828990150844,"num_words":62,"start":2912.96,"end":2939.16},{"sentences":[{"text":"You yeah.","start":2940.98,"end":2943.54,"sentiment":"neutral","sentiment_score":-0.03175383526831865},{"text":"No.","start":2943.54,"end":2943.86,"sentiment":"neutral","sentiment_score":-0.09914810955524445},{"text":"You know, definitely not bad at all.","start":2943.86,"end":2945.805,"sentiment":"neutral","sentiment_score":-0.12431247532367706},{"text":"You are paying for the trauma policy out of pocket, though.","start":2946.6848,"end":2950.4648,"sentiment":"neutral","sentiment_score":-0.18000849133188074},{"text":"Let me just flip over to that policy because it's, like, 180 something.","start":2951.325,"end":2957.665,"sentiment":"neutral","sentiment_score":-0.06543912251408283}],"sentiment":"neutral","sentiment_score":-0.11363662072621725,"num_words":34,"start":2940.98,"end":2957.665},{"sentences":[{"text":"Sorry.","start":2961.05,"end":2961.45,"sentiment":"neutral","sentiment_score":-0.1111828237771988},{"text":"I had it up.","start":2961.45,"end":2962.51,"sentiment":"neutral","sentiment_score":-0.08524944446980953},{"text":"Yeah.","start":2962.57,"end":2963.07,"sentiment":"neutral","sentiment_score":-0.020500503480434418},{"text":"Go back.","start":2966.97,"end":2967.71,"sentiment":"neutral","sentiment_score":-0.019283894449472427},{"text":"$181.31, and that's for the trauma policy.","start":2969.45,"end":2973.3901,"sentiment":"neutral","sentiment_score":-0.03831653908959457}],"sentiment":"neutral","sentiment_score":-0.05196431117753188,"num_words":15,"start":2961.05,"end":2973.3901},{"sentences":[{"text":"For the trauma policy that's monthly.","start":2973.695,"end":2978.975,"sentiment":"neutral","sentiment_score":-0.052475043262044586},{"text":"Yes.","start":2978.975,"end":2979.215,"sentiment":"neutral","sentiment_score":-0.002946368418633938},{"text":"Yes.","start":2979.215,"end":2979.375,"sentiment":"neutral","sentiment_score":-0.000019634608179330822},{"text":"Yes.","start":2979.375,"end":2979.615,"sentiment":"neutral","sentiment_score":0.0021130661480128765},{"text":"Yes.","start":2979.615,"end":2979.855,"sentiment":"neutral","sentiment_score":-0.004802328068763018}],"sentiment":"neutral","sentiment_score":-0.03205055245198309,"num_words":10,"start":2973.695,"end":2979.855},{"sentences":[{"text":"Sorry.","start":2979.855,"end":2980.335,"sentiment":"neutral","sentiment_score":-0.03706400841474533},{"text":"Yes.","start":2980.335,"end":2980.835,"sentiment":"neutral","sentiment_score":-0.005755238234996796},{"text":"Let me 131 2.","start":2985.695,"end":2990.56,"sentiment":"neutral","sentiment_score":-0.006513930857181549},{"text":"No.","start":2991.34,"end":2991.66,"sentiment":"neutral","sentiment_score":-0.04287485405802727},{"text":"You're okay.","start":2991.66,"end":2992.22,"sentiment":"neutral","sentiment_score":-0.010513282846659422}],"sentiment":"neutral","sentiment_score":-0.014752932203312715,"num_words":9,"start":2979.855,"end":2992.22},{"sentences":[{"text":"217572.","start":2992.22,"end":2995.04,"sentiment":"neutral","sentiment_score":-0.0017265744972974062},{"text":"217572.","start":2995.9,"end":2997.6,"sentiment":"neutral","sentiment_score":-0.0004890558775514364},{"text":"Okay.","start":3008.555,"end":3009.055,"sentiment":"neutral","sentiment_score":-0.1113085001707077},{"text":"Definitely.","start":3023.77,"end":3024.27,"sentiment":"neutral","sentiment_score":0.00973127782344818},{"text":"Did you want me to look at, like, decreasing the policy?","start":3024.81,"end":3027.87,"sentiment":"neutral","sentiment_score":-0.06256282329559326}],"sentiment":"neutral","sentiment_score":-0.05279892726490895,"num_words":15,"start":2992.22,"end":3027.87},{"sentences":[{"text":"Are you happy and comfortable with where the policy sits at the moment?","start":3028.01,"end":3031.635,"sentiment":"neutral","sentiment_score":0.007632751877491291},{"text":"I Okay.","start":3032.015,"end":3033.855,"sentiment":"neutral","sentiment_score":0.2002234011888504},{"text":"I do know that, like, your income protect anything happens.","start":3033.855,"end":3039.875,"sentiment":"neutral","sentiment_score":0.256736995279789},{"text":"Definitely.","start":3043.79,"end":3044.29,"sentiment":"positive","sentiment_score":0.45260143280029297},{"text":"I'm more than happy, I think.","start":3049.23,"end":3050.59,"sentiment":"positive","sentiment_score":0.6448997457822164}],"sentiment":"neutral","sentiment_score":0.23090757615864277,"num_words":32,"start":3028.01,"end":3050.59},{"sentences":[{"text":"Oh, well, you know, it doesn't replace, but I guess it helps.","start":3050.59,"end":3054.61,"sentiment":"neutral","sentiment_score":0.09767556842416525},{"text":"The one thing I did note when I was looking at everything and your income changed, so I was doing the math before, is that your income protection policy has increased a little bit further than what you would actually be able to claim on.","start":3055.965,"end":3068.88,"sentiment":"neutral","sentiment_score":-0.0006778632601102193},{"text":"So you know how I said you were insured for $13.09 $0.09 and cents?","start":3069.2,"end":3074.18,"sentiment":"neutral","sentiment_score":0.0012319813083325113},{"text":"Your income at a 185 for the policy only enables you to be covered for up to 75% of your income, which 75% of your income is actually $11.05 62 per month.","start":3074.5598,"end":3089.155,"sentiment":"neutral","sentiment_score":-0.011468124110251665},{"text":"So we can drop the income protection.","start":3090.015,"end":3092.575,"sentiment":"neutral","sentiment_score":-0.22446334787777492}],"sentiment":"neutral","sentiment_score":-0.00708520630882545,"num_words":110,"start":3050.59,"end":3092.575},{"sentences":[{"text":"It's gonna increase again down the line.","start":3092.575,"end":3095.2349,"sentiment":"neutral","sentiment_score":-0.10326732162918363},{"text":"In a benefit.","start":3101.64,"end":3102.5398,"sentiment":"neutral","sentiment_score":-0.02304059515396754},{"text":"Yep.","start":3103.24,"end":3103.74,"sentiment":"neutral","sentiment_score":-0.01713099516928196},{"text":"Yep.","start":3105.3198,"end":3105.64,"sentiment":"neutral","sentiment_score":-0.028390824794769287},{"text":"Because you can't be better off under claim than what you were working.","start":3105.64,"end":3110.94,"sentiment":"neutral","sentiment_score":-0.1641269360597317}],"sentiment":"neutral","sentiment_score":-0.11884660102427005,"num_words":25,"start":3092.575,"end":3110.94},{"sentences":[{"text":"Yeah.","start":3113.135,"end":3113.635,"sentiment":"neutral","sentiment_score":-0.32604628801345825},{"text":"Frustrating.","start":3114.015,"end":3114.515,"sentiment":"negative","sentiment_score":-0.4977651536464691},{"text":"I know.","start":3114.575,"end":3115.235,"sentiment":"negative","sentiment_score":-0.41728830337524414},{"text":"So we can drop it's increased over time.","start":3116.495,"end":3122.895,"sentiment":"neutral","sentiment_score":-0.3125100303441286},{"text":"So the policy CPIs and it increases.","start":3122.895,"end":3126.28,"sentiment":"neutral","sentiment_score":-0.18903739963259017}],"sentiment":"neutral","sentiment_score":-0.2885121099258724,"num_words":19,"start":3113.135,"end":3126.28},{"sentences":[{"text":"So it's increased over the last couple of couple of years, and it's popped just a little bit over.","start":3126.58,"end":3133.0,"sentiment":"neutral","sentiment_score":-0.22654522798563304},{"text":"The last couple of increases, it's just been enough to push it.","start":3133.46,"end":3137.0,"sentiment":"neutral","sentiment_score":-0.30632853507995605},{"text":"So it's just something that I mean, it was a lot higher, but you've obviously had that pay increase, so it's leveled out a little bit.","start":3138.195,"end":3146.375,"sentiment":"neutral","sentiment_score":-0.29416292963119656},{"text":"It's something that I did wanna raise with you and look at when we were looking at the insurance is just to at least drop that income protection.","start":3146.7551,"end":3154.0,"sentiment":"neutral","sentiment_score":-0.1463035432887929},{"text":"The other consideration is that if we don't drop it and your income increases or we do drop it, sorry, and your income does increase, you'd be getting less than what your new income could possibly be if that made sense.","start":3154.06,"end":3170.755,"sentiment":"negative","sentiment_score":-0.37056462303167437}],"sentiment":"neutral","sentiment_score":-0.27712846571017824,"num_words":126,"start":3126.58,"end":3170.755},{"sentences":[{"text":"Yep.","start":3186.35,"end":3186.85,"sentiment":"neutral","sentiment_score":-0.0433611273765564},{"text":"Yep.","start":3190.11,"end":3190.61,"sentiment":"neutral","sentiment_score":-0.00109626108314842},{"text":"Yep.","start":3199.405,"end":3199.905,"sentiment":"neutral","sentiment_score":0.22809676826000216},{"text":"It depends on how it depends on how work pays you.","start":3203.82,"end":3207.1,"sentiment":"neutral","sentiment_score":0.03607294843955473},{"text":"If work's just paying you every month as if you were working, then no.","start":3207.1,"end":3211.04,"sentiment":"neutral","sentiment_score":-0.06280548418206829}],"sentiment":"neutral","sentiment_score":-0.01067267735405559,"num_words":28,"start":3186.35,"end":3211.04},{"sentences":[{"text":"The IP policy would kick in after.","start":3211.1802,"end":3213.04,"sentiment":"neutral","sentiment_score":-0.05647096197519984},{"text":"Yeah.","start":3215.515,"end":3215.915,"sentiment":"neutral","sentiment_score":-0.004676401615142822},{"text":"So you would just continue to get the pay from work first, and then the IP policy can kick in.","start":3215.915,"end":3222.175,"sentiment":"neutral","sentiment_score":-0.015085932239890099},{"text":"No.","start":3222.875,"end":3223.375,"sentiment":"neutral","sentiment_score":-0.2857522964477539},{"text":"No.","start":3225.755,"end":3226.235,"sentiment":"neutral","sentiment_score":-0.3161713480949402}],"sentiment":"neutral","sentiment_score":-0.04345384749273459,"num_words":30,"start":3211.1802,"end":3226.235},{"sentences":[{"text":"Just like you can't double dip work cover with income protection either.","start":3226.235,"end":3230.015,"sentiment":"neutral","sentiment_score":-0.25881415605545044},{"text":"They have to sit back to back.","start":3230.12,"end":3233.56,"sentiment":"neutral","sentiment_score":-0.1322277741772788},{"text":"It's the same as if if you had sick leave, long service leave, annual leave.","start":3233.56,"end":3238.7,"sentiment":"neutral","sentiment_score":-0.0747274212539196},{"text":"You could choose to use that up prior to your IP policy kicking in.","start":3238.92,"end":3243.255,"sentiment":"neutral","sentiment_score":-0.006058630134378161},{"text":"You could use that leave up during the ninety day waiting period, and then the IP policy can kick in.","start":3243.815,"end":3249.6748,"sentiment":"neutral","sentiment_score":-0.012378335371613503}],"sentiment":"neutral","sentiment_score":-0.08065681088277522,"num_words":68,"start":3226.235,"end":3249.6748},{"sentences":[{"text":"But It'll reduce yeah.","start":3250.375,"end":3266.95,"sentiment":"neutral","sentiment_score":-0.13027122616767883},{"text":"Yeah.","start":3266.95,"end":3267.19,"sentiment":"neutral","sentiment_score":0.04181994870305061},{"text":"100%.","start":3267.19,"end":3267.75,"sentiment":"neutral","sentiment_score":0.10040776431560516},{"text":"It'll reduce what you pay.","start":3267.75,"end":3269.05,"sentiment":"neutral","sentiment_score":-0.12176259458065034},{"text":"I'd have to look and see whether Resolution Life dual one year waiting periods.","start":3270.7349,"end":3273.9548,"sentiment":"neutral","sentiment_score":-0.10695243307522365}],"sentiment":"neutral","sentiment_score":-0.09940016910433769,"num_words":25,"start":3250.375,"end":3273.9548},{"sentences":[{"text":"They used to back in, like, a decade ago, but I'm not sure what they offer at the moment because a lot of insurers removed their six month, one year, two year waiting periods because people that are not supported for a long period of time, you know, when they're ill or injured, generally end up going on really long term claims.","start":3274.6548,"end":3299.405,"sentiment":"neutral","sentiment_score":-0.17374869688383995},{"text":"So insure sure as an industry made the determination to shorten waiting for only offered short waiting periods.","start":3299.625,"end":3307.0652,"sentiment":"neutral","sentiment_score":-0.0496438971410195},{"text":"So that way, basically, people would go on claim earlier, and then there's, you know, services that are offered through them under claim.","start":3307.0652,"end":3312.445,"sentiment":"neutral","sentiment_score":0.01643809481807377},{"text":"I can definitely look at it and see what how it affects the premium.","start":3314.06,"end":3317.04,"sentiment":"neutral","sentiment_score":0.062256834602781704},{"text":"But in saying that, you did say that your your your work changed their poll their their leave their sick leave policy.","start":3317.82,"end":3324.48,"sentiment":"neutral","sentiment_score":0.015073719011111692}],"sentiment":"neutral","sentiment_score":-0.07255191130818223,"num_words":139,"start":3274.6548,"end":3324.48},{"sentences":[{"text":"So do you have confidence that they won't change their sick leave policy in the future?","start":3325.02,"end":3328.88,"sentiment":"neutral","sentiment_score":0.12911115679889917},{"text":"Okay.","start":3345.57,"end":3346.07,"sentiment":"neutral","sentiment_score":0.06994228065013885},{"text":"So, I mean, if you're confident, I can definitely look at it and see whether they offer and what the what the basically longest term.","start":3346.21,"end":3351.99,"sentiment":"neutral","sentiment_score":0.14101704180240632},{"text":"Yeah.","start":3354.29,"end":3354.79,"sentiment":"neutral","sentiment_score":-0.012929734773933887},{"text":"Yes.","start":3355.6748,"end":3356.075,"sentiment":"neutral","sentiment_score":-0.019032206386327744}],"sentiment":"neutral","sentiment_score":0.12793602030300957,"num_words":44,"start":3325.02,"end":3356.075},{"sentences":[{"text":"Correct.","start":3356.075,"end":3356.575,"sentiment":"neutral","sentiment_score":-0.048728302121162415},{"text":"Yeah.","start":3359.6748,"end":3360.1748,"sentiment":"neutral","sentiment_score":-0.06716485321521759},{"text":"Yeah.","start":3360.315,"end":3360.635,"sentiment":"neutral","sentiment_score":-0.07552692294120789},{"text":"Industry standard is ten ten sick and 20 annual.","start":3360.635,"end":3364.9749,"sentiment":"neutral","sentiment_score":-0.13807054609060287},{"text":"So they're definitely sitting above.","start":3368.73,"end":3370.51,"sentiment":"neutral","sentiment_score":-0.030189568549394606}],"sentiment":"neutral","sentiment_score":-0.09323546093176394,"num_words":17,"start":3356.075,"end":3370.51},{"sentences":[{"text":"But, yeah, I can I can definitely have a look and and quote it up and see what what is offerable?","start":3370.57,"end":3375.55,"sentiment":"neutral","sentiment_score":0.14382162299894152},{"text":"Yeah.","start":3383.065,"end":3383.305,"sentiment":"neutral","sentiment_score":-0.02329435758292675},{"text":"We're not talking $10.","start":3383.305,"end":3385.165,"sentiment":"neutral","sentiment_score":-0.07504241913557053},{"text":"Yeah.","start":3388.185,"end":3388.505,"sentiment":"neutral","sentiment_score":0.139726459980011},{"text":"Alright.","start":3388.505,"end":3388.905,"sentiment":"neutral","sentiment_score":0.20640985667705536}],"sentiment":"neutral","sentiment_score":0.1086759416253439,"num_words":28,"start":3370.57,"end":3388.905},{"sentences":[{"text":"Cool.","start":3388.905,"end":3389.2249,"sentiment":"neutral","sentiment_score":0.3103976249694824},{"text":"I will investigate it and see what's offered there.","start":3389.2249,"end":3392.2048,"sentiment":"neutral","sentiment_score":0.2123880601591534},{"text":"Now I I wanna confirm that your wife sorry.","start":3393.24,"end":3399.72,"sentiment":"neutral","sentiment_score":-0.022695903562837176},{"text":"The hiccups.","start":3399.72,"end":3400.38,"sentiment":"neutral","sentiment_score":-0.18075025081634521},{"text":"I wanna confirm that your wife, Shannon, is 100% the beneficiary on your life policy.","start":3400.92,"end":3405.82,"sentiment":"positive","sentiment_score":0.5430459618568421}],"sentiment":"neutral","sentiment_score":0.2722726655710075,"num_words":36,"start":3388.905,"end":3405.82},{"sentences":[{"text":"That's still definitely the way you wanna hold it.","start":3407.24,"end":3410.405,"sentiment":"positive","sentiment_score":0.718594041135576},{"text":"Yep.","start":3411.8252,"end":3412.145,"sentiment":"positive","sentiment_score":0.400789350271225},{"text":"Perfect.","start":3412.145,"end":3412.645,"sentiment":"positive","sentiment_score":0.682520866394043},{"text":"Just thought I'd ask the question.","start":3412.945,"end":3414.405,"sentiment":"neutral","sentiment_score":0.2368340604007244},{"text":"It's actually really it it gets messy, but I it's it's actually kind of interesting.","start":3429.84,"end":3436.465,"sentiment":"neutral","sentiment_score":-0.10701772173245748}],"sentiment":"neutral","sentiment_score":0.23019984760321677,"num_words":32,"start":3407.24,"end":3436.465},{"sentences":[{"text":"It it depends on survivorship laws, which you're in WA.","start":3436.465,"end":3442.725,"sentiment":"neutral","sentiment_score":-0.05520002022385597},{"text":"So not a 100%, but I know that Queensland survivorship laws, and I'm pretty sure it's pretty much across country, is it's if you die at the same time, it's assumed that the older of the two passed away first, which means that the state of the older migrates to the yeah.","start":3442.7852,"end":3464.2249,"sentiment":"neutral","sentiment_score":-0.05295202522896803},{"text":"So it means that the that your like, if you were older, your assets would might like, would basically settle onto Shannon, and then Shannon assets would settle onto wherever it needs to settle from there.","start":3464.2249,"end":3477.37,"sentiment":"neutral","sentiment_score":-0.019406168204214837},{"text":"So it's not that they both get get implemented at the same time.","start":3477.37,"end":3480.4102,"sentiment":"neutral","sentiment_score":-0.0799426635584006},{"text":"It's that it actually has to settle first to her and then then to someone else.","start":3480.4102,"end":3484.6702,"sentiment":"neutral","sentiment_score":-0.1041879242984578}],"sentiment":"neutral","sentiment_score":-0.05283770853961547,"num_words":127,"start":3436.465,"end":3484.6702},{"sentences":[{"text":"With the superannuation fund, look, realistically, the kids are probably gonna be the prime candidate for it, but it does become a little bit messy.","start":3485.37,"end":3495.365,"sentiment":"neutral","sentiment_score":0.012251497656106948},{"text":"Yeah.","start":3519.215,"end":3519.715,"sentiment":"neutral","sentiment_score":-0.11296168714761734},{"text":"I think because the kids are so young, the biggest probably point to make is that, like, your your wills can literally mirror each other.","start":3520.335,"end":3528.89,"sentiment":"neutral","sentiment_score":-0.007871416807174682},{"text":"I went and got a will.","start":3528.89,"end":3530.25,"sentiment":"neutral","sentiment_score":0.0372650201121966},{"text":"Me and my husband got one done for a grand, and we got two wills and two power of attorneys drawn up.","start":3530.25,"end":3535.45,"sentiment":"neutral","sentiment_score":0.02328285329382528}],"sentiment":"neutral","sentiment_score":0.009270294015354749,"num_words":79,"start":3485.37,"end":3535.45},{"sentences":[{"text":"So four documents for a thousand dollars.","start":3535.45,"end":3537.45,"sentiment":"neutral","sentiment_score":-0.012387227799211229},{"text":"So it wasn't break the bank money.","start":3537.45,"end":3539.23,"sentiment":"neutral","sentiment_score":-0.1721923824931894},{"text":"They're wrong.","start":3540.395,"end":3540.795,"sentiment":"neutral","sentiment_score":-0.2763710170984268},{"text":"You know, it wasn't expensive to live without, but it wasn't ridiculous.","start":3540.795,"end":3543.855,"sentiment":"neutral","sentiment_score":-0.18826182062427202},{"text":"And then Mira will, so it means that if he passes away, everything comes to me and vice versa.","start":3544.875,"end":3549.535,"sentiment":"neutral","sentiment_score":-0.11234831751177185}],"sentiment":"neutral","sentiment_score":-0.1327353018395444,"num_words":47,"start":3535.45,"end":3549.535},{"sentences":[{"text":"If neither of the neither of us is surviving, then one of my poor sisters ends up with three kids and all their assets and blah blah blah blah per our wishes.","start":3549.755,"end":3558.67,"sentiment":"negative","sentiment_score":-0.3395711746998131},{"text":"And that's probably the biggest part that you need to consider is that what happens with the kids and who becomes their guardian, which is something that you can make a decision in on the will.","start":3558.73,"end":3569.285,"sentiment":"neutral","sentiment_score":-0.04902281969164809},{"text":"Yes.","start":3573.825,"end":3574.325,"sentiment":"neutral","sentiment_score":0.1223108321428299},{"text":"Winning.","start":3579.025,"end":3579.525,"sentiment":"positive","sentiment_score":0.3798286318778992},{"text":"Yeah.","start":3588.85,"end":3589.35,"sentiment":"neutral","sentiment_score":0.06288978457450867}],"sentiment":"neutral","sentiment_score":-0.16994464578448046,"num_words":71,"start":3549.755,"end":3589.35},{"sentences":[{"text":"Yeah.","start":3596.6848,"end":3597.005,"sentiment":"neutral","sentiment_score":0.10103639960289},{"text":"Well, I mean, more kids the merrier in my book.","start":3597.005,"end":3600.4448,"sentiment":"neutral","sentiment_score":0.2514812096953392},{"text":"Once you once you hit the couple Yes.","start":3600.4448,"end":3608.53,"sentiment":"neutral","sentiment_score":0.054911807645112276},{"text":"I'll I'll need it.","start":3608.53,"end":3610.07,"sentiment":"neutral","sentiment_score":0.014677748898975551},{"text":"Now the one thing that is missing is while your insurance policy has the nomination made on it, your super fund doesn't.","start":3612.05,"end":3619.43,"sentiment":"neutral","sentiment_score":-0.22467747432264415}],"sentiment":"neutral","sentiment_score":-0.040645566261890864,"num_words":45,"start":3596.6848,"end":3619.43},{"sentences":[{"text":"So I wanna get a beneficiary form out to you so you can fill it out, and we can pop it on the fund.","start":3620.865,"end":3627.845,"sentiment":"neutral","sentiment_score":0.22996545055260262},{"text":"So your super fund your super your super or the insurance policy can either form part of the estate or can be held outside.","start":3633.44,"end":3639.46,"sentiment":"neutral","sentiment_score":0.01877117607121666},{"text":"So it means that the super policy currently, because there's no nomination, it's an estate asset.","start":3639.52,"end":3645.015,"sentiment":"neutral","sentiment_score":0.022250729001825675},{"text":"It will be assumed that you have a will, and the will will the the will is the document to follow.","start":3645.015,"end":3652.875,"sentiment":"neutral","sentiment_score":0.06738882848904246},{"text":"You don't, which means you're passing away intestate, which means that the money has to go through blah blah blah and all the, you know, fun things that has to go through.","start":3653.015,"end":3661.85,"sentiment":"neutral","sentiment_score":-0.28469109209254384}],"sentiment":"neutral","sentiment_score":-0.011703067057184938,"num_words":117,"start":3620.865,"end":3661.85},{"sentences":[{"text":"Realistically, because it's superannuation, your wife's gonna be the forefront, you know, contested for the money.","start":3663.67,"end":3669.05,"sentiment":"neutral","sentiment_score":-0.14409242756664753},{"text":"But the the the nomination document just makes things a lot smoother from a claims perspective.","start":3671.2048,"end":3675.785,"sentiment":"positive","sentiment_score":0.43982654996216297},{"text":"And it's something that we can put on file, set and forget.","start":3676.6448,"end":3679.285,"sentiment":"positive","sentiment_score":0.4281336988011996},{"text":"We remind you of it every year and just be like, it's this, which is still the standard, and you say yay or nay.","start":3679.285,"end":3685.53,"sentiment":"neutral","sentiment_score":0.280682606001695},{"text":"And if we ever wanna update it, we can.","start":3685.53,"end":3687.31,"sentiment":"neutral","sentiment_score":0.16171476162142223}],"sentiment":"neutral","sentiment_score":0.23456059405943017,"num_words":77,"start":3663.67,"end":3687.31},{"sentences":[{"text":"Yeah.","start":3691.9302,"end":3692.4302,"sentiment":"neutral","sentiment_score":-0.18379756808280945},{"text":"I don't know.","start":3693.61,"end":3694.4302,"sentiment":"neutral","sentiment_score":-0.1515408456325531},{"text":"So you can nominate the kids because your children will always be what's considered assist dependent, which is the superannuation industry legislation, your your children will always be assist dependent.","start":3702.5051,"end":3714.5,"sentiment":"neutral","sentiment_score":0.11124771013855934},{"text":"Your children, once they turn 18 and or become nonfinancially dependent, so between 18 and 25, could have a tax element to it because they're non tax dependent, whereas your wife will always be a tax dependent while you're married.","start":3714.64,"end":3728.035,"sentiment":"neutral","sentiment_score":0.041640129219740626},{"text":"So there's tax considerations for any benefit from your super funds beneficial to go to your wife.","start":3729.055,"end":3734.2551,"sentiment":"neutral","sentiment_score":0.2369008432416355}],"sentiment":"neutral","sentiment_score":0.09221901871509604,"num_words":91,"start":3691.9302,"end":3734.2551},{"sentences":[{"text":"But let's just say for argument's sake, something happened to you sooner rather than later.","start":3734.2551,"end":3738.0,"sentiment":"neutral","sentiment_score":-0.17059330542882284},{"text":"All you're doing to your wife is making her go through three sets of documentation rather than one.","start":3739.04,"end":3743.3,"sentiment":"neutral","sentiment_score":-0.04248178928780059},{"text":"And, essentially, she's the one that's gonna end up with the money because she is the guardian for the children right now.","start":3743.6,"end":3751.2,"sentiment":"neutral","sentiment_score":-0.006117873274805871},{"text":"So the money would just go to her through a full documentation for the kids.","start":3751.2,"end":3755.665,"sentiment":"neutral","sentiment_score":-0.02104541187485059},{"text":"Unless you had a trust set up where the money went to the trust and she would say, you know, the trustee for it and could control where it went and how it was dealt with through the trust and the trust documents.","start":3756.365,"end":3766.705,"sentiment":"neutral","sentiment_score":-0.2623788641635762}],"sentiment":"neutral","sentiment_score":-0.1332401534319913,"num_words":113,"start":3734.2551,"end":3766.705},{"sentences":[{"text":"Essentially, from the super funds, the money just goes to your wife, and she uses it to support and look after your kids.","start":3767.8499,"end":3773.3098,"sentiment":"neutral","sentiment_score":-0.04767379375255626},{"text":"So it's probably more of a conversation.","start":3774.89,"end":3777.63,"sentiment":"neutral","sentiment_score":0.15093378509793962},{"text":"There's no without having a will or a trust or specific setups?","start":3777.93,"end":3788.165,"sentiment":"neutral","sentiment_score":0.11970476309458415},{"text":"Not really.","start":3788.305,"end":3788.945,"sentiment":"neutral","sentiment_score":-0.11293304711580278},{"text":"Like, your your position is really simple, so it's it's good.","start":3788.945,"end":3791.845,"sentiment":"positive","sentiment_score":0.36954729191281577}],"sentiment":"neutral","sentiment_score":0.09519364569674839,"num_words":55,"start":3767.8499,"end":3791.845},{"sentences":[{"text":"You know, me personally, I didn't wanna pay the $5 to to put a a a trust together.","start":3792.545,"end":3798.565,"sentiment":"neutral","sentiment_score":-0.0034429236418671086},{"text":"What I did was I wrote a letter to my sister in the event that both of us passed away, put it with my will, and it basically stipulates that I want x amount of money to be put in a savings account for each of my kids to be given to them on their 20 birthday.","start":3798.81,"end":3810.35,"sentiment":"neutral","sentiment_score":0.0881854630353158},{"text":"That's all it says.","start":3810.9248,"end":3811.4849,"sentiment":"neutral","sentiment_score":0.038328967057168484},{"text":"The rest of the money is yours.","start":3811.4849,"end":3812.605,"sentiment":"neutral","sentiment_score":0.013489020190068654},{"text":"The rest of the assets is yours.","start":3812.605,"end":3813.9648,"sentiment":"neutral","sentiment_score":0.03633361629077366}],"sentiment":"neutral","sentiment_score":0.05878143108660175,"num_words":93,"start":3792.545,"end":3813.9648},{"sentences":[{"text":"That's they're they're my wishes.","start":3813.9648,"end":3815.505,"sentiment":"neutral","sentiment_score":0.05625458881258964},{"text":"Put that amount of money away, and that's that's my legacy to my kids because I know that, you know, while my kids are all very young, everything I'm leaving has to be used to raise them.","start":3815.7249,"end":3823.9048,"sentiment":"neutral","sentiment_score":-0.022403040812728373},{"text":"So you could do something similar if there's, you know, if that's what you wanna do, or you can go through the the the trust position.","start":3826.6199,"end":3832.48,"sentiment":"neutral","sentiment_score":0.12977247054760271},{"text":"But, realistically, right this second, the biggest thing is is just get the nomination on file.","start":3832.6199,"end":3837.68,"sentiment":"neutral","sentiment_score":0.2886727834120393},{"text":"Really just nominate your wife.","start":3837.82,"end":3839.505,"sentiment":"positive","sentiment_score":0.38522839546203613}],"sentiment":"neutral","sentiment_score":0.10529608067564583,"num_words":89,"start":3813.9648,"end":3839.505},{"sentences":[{"text":"There's no no requirement to nominate the kids.","start":3839.585,"end":3841.9248,"sentiment":"neutral","sentiment_score":0.21930131316184998},{"text":"If anything happens in the future, sure, we can definitely revisit it.","start":3843.025,"end":3847.2048,"sentiment":"neutral","sentiment_score":0.1135036526247859},{"text":"But a nomination to to Shannon is is much better than trying to split it three ways and make the paperwork three times harder.","start":3847.825,"end":3855.09,"sentiment":"neutral","sentiment_score":0.10263139382004738},{"text":"Cool.","start":3858.29,"end":3858.79,"sentiment":"positive","sentiment_score":0.6798281073570251},{"text":"Amazing.","start":3860.29,"end":3860.79,"sentiment":"positive","sentiment_score":0.7130364179611206}],"sentiment":"neutral","sentiment_score":0.15157548508242422,"num_words":46,"start":3839.585,"end":3860.79},{"sentences":[{"text":"Now I guess we've talked a lot.","start":3860.9302,"end":3863.4302,"sentiment":"neutral","sentiment_score":0.2907307296991348},{"text":"I have.","start":3863.57,"end":3864.23,"sentiment":"neutral","sentiment_score":0.09875235706567764},{"text":"I wanna know if there's anything else that you have question wise.","start":3866.2102,"end":3870.07,"sentiment":"neutral","sentiment_score":0.07995224216332038},{"text":"I guess, actions for me at the moment is to send you the beneficiary form.","start":3870.675,"end":3874.195,"sentiment":"neutral","sentiment_score":0.06200633570551872},{"text":"I'm gonna have a look at other investment options to the Superfund, and then I'm gonna look at the insurance policy just to see what it looks like if we do extend it.","start":3874.195,"end":3883.2551,"sentiment":"neutral","sentiment_score":0.0910321187340852}],"sentiment":"neutral","sentiment_score":0.10327828524337299,"num_words":69,"start":3860.9302,"end":3883.2551},{"sentences":[{"text":"Is there anything else you wanna look at or talk about?","start":3883.475,"end":3886.135,"sentiment":"neutral","sentiment_score":0.02996494781903245},{"text":"Amazing.","start":3889.69,"end":3890.19,"sentiment":"positive","sentiment_score":0.5798197984695435},{"text":"Yeah.","start":3899.465,"end":3899.865,"sentiment":"neutral","sentiment_score":0.06821427494287491},{"text":"Yeah.","start":3899.865,"end":3900.105,"sentiment":"neutral","sentiment_score":0.059162843972444534},{"text":"Yeah.","start":3900.105,"end":3900.425,"sentiment":"neutral","sentiment_score":0.051866866648197174}],"sentiment":"neutral","sentiment_score":0.07257854733616113,"num_words":15,"start":3883.475,"end":3900.425},{"sentences":[{"text":"Just yeah.","start":3900.425,"end":3902.185,"sentiment":"neutral","sentiment_score":0.03927643969655037},{"text":"Just over.","start":3902.185,"end":3902.825,"sentiment":"neutral","sentiment_score":0.03514649718999863},{"text":"$4.","start":3902.825,"end":3903.385,"sentiment":"neutral","sentiment_score":0.045446209609508514},{"text":"Yeah.","start":3903.385,"end":3903.885,"sentiment":"neutral","sentiment_score":0.08604986220598221},{"text":"Yeah.","start":3914.18,"end":3914.68,"sentiment":"neutral","sentiment_score":0.06480970233678818}],"sentiment":"neutral","sentiment_score":0.04930737827505384,"num_words":7,"start":3900.425,"end":3914.68},{"sentences":[{"text":"And if if you wanna change them, like, don't be wrong.","start":3914.9,"end":3917.94,"sentiment":"neutral","sentiment_score":0.03464219854636626},{"text":"It's a lot easier to reduce them than it is to increase them.","start":3917.94,"end":3920.02,"sentiment":"neutral","sentiment_score":0.026693295114315473},{"text":"And in your position, I probably wouldn't need increase.","start":3920.02,"end":3922.36,"sentiment":"neutral","sentiment_score":-0.01279154523379273},{"text":"If you do wanna reduce them, we definitely can.","start":3922.9,"end":3925.695,"sentiment":"neutral","sentiment_score":0.044135394816597305},{"text":"So if you wanna, you know, drop down the the trauma policy so it's taking less of an impact on your back pocket, put more money into your savings from that perspective, that's definitely something we can do.","start":3925.695,"end":3936.7551,"sentiment":"neutral","sentiment_score":-0.017833065976829904}],"sentiment":"neutral","sentiment_score":0.004156439495272934,"num_words":80,"start":3914.9,"end":3936.7551},{"sentences":[{"text":"It will.","start":3938.69,"end":3939.3298,"sentiment":"neutral","sentiment_score":-0.011425116565078497},{"text":"Yes.","start":3939.3298,"end":3939.73,"sentiment":"neutral","sentiment_score":0.012531092390418053},{"text":"It will increase each year as you get older.","start":3939.73,"end":3942.71,"sentiment":"neutral","sentiment_score":-0.002575247445040279},{"text":"It's no.","start":3945.41,"end":3950.705,"sentiment":"neutral","sentiment_score":-0.05477020423859358},{"text":"It's it's percentage per year.","start":3950.8452,"end":3954.0452,"sentiment":"neutral","sentiment_score":-0.02368132546544075}],"sentiment":"neutral","sentiment_score":-0.013760179134183809,"num_words":19,"start":3938.69,"end":3954.0452},{"sentences":[{"text":"It's pretty standard.","start":3954.0452,"end":3954.925,"sentiment":"neutral","sentiment_score":-0.00002737964193026225},{"text":"It's based on, like, CPI or a limited CPI.","start":3954.925,"end":3958.3052,"sentiment":"neutral","sentiment_score":-0.04843461037509971},{"text":"It's not full.","start":3958.685,"end":3959.665,"sentiment":"neutral","sentiment_score":-0.10230710357427597},{"text":"I I can I'll when I'm doing the research with the the income protection, I'll see if I can pull a future premium projection as well.","start":3960.8452,"end":3973.69,"sentiment":"neutral","sentiment_score":0.04823072340625983},{"text":"Okay?","start":3974.885,"end":3975.365,"sentiment":"neutral","sentiment_score":0.024923283606767654}],"sentiment":"neutral","sentiment_score":0.012762074979643026,"num_words":42,"start":3954.0452,"end":3975.365},{"sentences":[{"text":"And I can just pop that as we migrate through.","start":3975.365,"end":3981.125,"sentiment":"neutral","sentiment_score":0.020159841049462557},{"text":"I'm just sorta I guess I'm just putting considerations forward because I like, you are on one one occupation.","start":3981.125,"end":3986.7449,"sentiment":"neutral","sentiment_score":-0.01231184012967309},{"text":"So I don't want, you know, things to cause massive issues for you cost of living wise because I don't know if you know, but the fuel's pretty expensive these days.","start":3986.805,"end":3998.27,"sentiment":"neutral","sentiment_score":-0.14117063954472542},{"text":"No.","start":4005.065,"end":4005.5452,"sentiment":"neutral","sentiment_score":-0.20411816239356995},{"text":"No.","start":4005.5452,"end":4005.7852,"sentiment":"neutral","sentiment_score":-0.23089678585529327}],"sentiment":"neutral","sentiment_score":-0.07812308590491152,"num_words":62,"start":3975.365,"end":4005.7852},{"sentences":[{"text":"No.","start":4005.7852,"end":4006.0251,"sentiment":"neutral","sentiment_score":-0.26321470737457275},{"text":"No.","start":4006.0251,"end":4006.2651,"sentiment":"neutral","sentiment_score":-0.25578972697257996},{"text":"Not at all.","start":4006.2651,"end":4007.165,"sentiment":"neutral","sentiment_score":-0.15191859006881714},{"text":"Right?","start":4011.065,"end":4011.565,"sentiment":"neutral","sentiment_score":-0.016622699797153473},{"text":"Perfect.","start":4015.0798,"end":4015.5798,"sentiment":"positive","sentiment_score":0.4848742187023163}],"sentiment":"neutral","sentiment_score":-0.07235838366406304,"num_words":7,"start":4005.7852,"end":4015.5798},{"sentences":[{"text":"Alright.","start":4015.8,"end":4016.2,"sentiment":"neutral","sentiment_score":0.21233224868774417},{"text":"Well, what I'll do is I'll get cracking.","start":4016.2,"end":4018.2,"sentiment":"neutral","sentiment_score":0.043114818865433335},{"text":"If you give me a couple of yeah.","start":4018.2,"end":4022.3,"sentiment":"neutral","sentiment_score":0.0066810970893129715},{"text":"It's $22,200 per annum.","start":4032.305,"end":4035.765,"sentiment":"neutral","sentiment_score":0.021389616886153817},{"text":"So, yeah, just the 1,800.","start":4035.825,"end":4038.085,"sentiment":"neutral","sentiment_score":0.03627235554158688}],"sentiment":"neutral","sentiment_score":0.03375460852224093,"num_words":26,"start":4015.8,"end":4038.085},{"sentences":[{"text":"Yes.","start":4047.3,"end":4047.6199,"sentiment":"neutral","sentiment_score":0.04997952654957771},{"text":"Yeah.","start":4047.6199,"end":4047.94,"sentiment":"neutral","sentiment_score":0.050095170736312866},{"text":"Yeah.","start":4047.94,"end":4048.18,"sentiment":"neutral","sentiment_score":0.0700468048453331},{"text":"That's definitely a way of putting it.","start":4048.18,"end":4049.46,"sentiment":"neutral","sentiment_score":0.09165217620985848},{"text":"Yeah.","start":4049.46,"end":4049.96,"sentiment":"neutral","sentiment_score":0.04543077573180199}],"sentiment":"neutral","sentiment_score":0.07791977375745773,"num_words":11,"start":4047.3,"end":4049.96},{"sentences":[{"text":"No.","start":4052.7551,"end":4053.155,"sentiment":"neutral","sentiment_score":-0.12820450961589813},{"text":"I love it.","start":4053.155,"end":4053.975,"sentiment":"neutral","sentiment_score":0.001736372709274292},{"text":"Perfect.","start":4061.5552,"end":4062.0552,"sentiment":"positive","sentiment_score":0.3684729933738709},{"text":"Amazing.","start":4063.68,"end":4064.18,"sentiment":"neutral","sentiment_score":0.30482256412506104},{"text":"Mhmm.","start":4066.08,"end":4066.58,"sentiment":"neutral","sentiment_score":-0.020414849743247032}],"sentiment":"neutral","sentiment_score":0.07569790232394423,"num_words":7,"start":4052.7551,"end":4066.58},{"sentences":[{"text":"There there's different there's different claimable events.","start":4077.565,"end":4083.565,"sentiment":"neutral","sentiment_score":-0.05292517159666334},{"text":"So they can be.","start":4083.565,"end":4089.31,"sentiment":"neutral","sentiment_score":-0.16197222471237183},{"text":"The big the biggest claim buckets for a trauma policy are heart attacks, strokes, neurological conditions like your Parkinson's, Huntington's, muscular dystrophy, and then your cancers.","start":4090.01,"end":4102.955,"sentiment":"neutral","sentiment_score":-0.17449711836301363},{"text":"So they're your big four buckets.","start":4103.0146,"end":4104.715,"sentiment":"neutral","sentiment_score":-0.11988295987248421},{"text":"So, like, it's your cardiovascular, neurological cancers.","start":4105.735,"end":4109.5947,"sentiment":"neutral","sentiment_score":-0.12517495240483964}],"sentiment":"neutral","sentiment_score":-0.14301625207066537,"num_words":50,"start":4077.565,"end":4109.5947},{"sentences":[{"text":"They're your massive claims.","start":4111.495,"end":4112.6147,"sentiment":"neutral","sentiment_score":-0.2352016679942608},{"text":"It'll pretty much almost get you to the point of a full claim every time.","start":4112.6147,"end":4118.05,"sentiment":"neutral","sentiment_score":-0.17410422066847484},{"text":"Some cancers, depending on the grading severity, may see a partial.","start":4118.4297,"end":4123.4097,"sentiment":"neutral","sentiment_score":-0.16468411277640949},{"text":"For example, testicular cancer, you know, grade, like, stage two removed and the cancer's done could get you a partial.","start":4124.4297,"end":4132.8247,"sentiment":"neutral","sentiment_score":-0.14952829591929911},{"text":"In terms of any other, like, specific events, it's event specific.","start":4136.2446,"end":4141.97,"sentiment":"neutral","sentiment_score":0.013332054061307148}],"sentiment":"neutral","sentiment_score":-0.1345542384632176,"num_words":61,"start":4111.495,"end":4141.97},{"sentences":[{"text":"I can definitely look at what would be claimable under those conditions.","start":4142.51,"end":4146.77,"sentiment":"neutral","sentiment_score":0.10464635646591584},{"text":"Each provider's different, and it's not something I keep as a traveling encyclopedia, you know, for the 15 different insurers exactly what is claimable.","start":4147.23,"end":4158.865,"sentiment":"neutral","sentiment_score":-0.10630734047542016},{"text":"But there is there are there can be, I guess, is probably the best way to put it.","start":4159.565,"end":4163.805,"sentiment":"neutral","sentiment_score":-0.1178162404232555},{"text":"There can be claims that that fall outside of those buckets.","start":4163.805,"end":4167.61,"sentiment":"neutral","sentiment_score":-0.22392678260803223},{"text":"For loss of limb temporarily, you know, you could have, you know, severed fingers, arms broken.","start":4167.61,"end":4177.23,"sentiment":"neutral","sentiment_score":-0.31383840180933475}],"sentiment":"neutral","sentiment_score":-0.13457927480340004,"num_words":81,"start":4142.51,"end":4177.23},{"sentences":[{"text":"There are things along those lines that can fall into it.","start":4177.3696,"end":4180.305,"sentiment":"neutral","sentiment_score":-0.21954703330993652},{"text":"It just depends on whether your policy does cover it.","start":4180.5454,"end":4183.285,"sentiment":"neutral","sentiment_score":-0.12811452001333237},{"text":"But as I'm as I'm looking through the insurance IP, I'll put together from your because your policy is older, which don't get me wrong, in this day and age, it's better.","start":4183.345,"end":4196.39,"sentiment":"neutral","sentiment_score":-0.10526170360390097},{"text":"I can put that together too.","start":4196.6904,"end":4198.1504,"sentiment":"neutral","sentiment_score":0.03306295908987522},{"text":"Of course.","start":4199.0903,"end":4199.75,"sentiment":"neutral","sentiment_score":-0.04940461553633213}],"sentiment":"neutral","sentiment_score":-0.11417981243280113,"num_words":61,"start":4177.3696,"end":4199.75},{"sentences":[{"text":"Exclusion?","start":4205.985,"end":4206.485,"sentiment":"negative","sentiment_score":-0.35940632224082947},{"text":"Yep.","start":4209.585,"end":4210.085,"sentiment":"neutral","sentiment_score":-0.05908583849668503},{"text":"Yep.","start":4210.945,"end":4211.445,"sentiment":"neutral","sentiment_score":-0.002613810356706381},{"text":"To remove it.","start":4228.64,"end":4229.78,"sentiment":"neutral","sentiment_score":-0.11707424993316333},{"text":"Yeah.","start":4241.245,"end":4241.745,"sentiment":"neutral","sentiment_score":-0.03690250962972641}],"sentiment":"neutral","sentiment_score":-0.11560446150334817,"num_words":7,"start":4205.985,"end":4241.745},{"sentences":[{"text":"No.","start":4242.205,"end":4242.5254,"sentiment":"neutral","sentiment_score":-0.09725094586610794},{"text":"There's there's no exclusion on the policy at all.","start":4242.5254,"end":4245.96,"sentiment":"neutral","sentiment_score":-0.16071177108420265},{"text":"So an exclusion is where they do not pay for it.","start":4245.96,"end":4249.42,"sentiment":"neutral","sentiment_score":-0.2172021527181972},{"text":"So there's not an exclusion on the policy.","start":4249.96,"end":4252.3003,"sentiment":"neutral","sentiment_score":-0.11451908014714718},{"text":"So, yeah, you're all kosher on that front.","start":4253.64,"end":4256.535,"sentiment":"positive","sentiment_score":0.3655495159327984}],"sentiment":"neutral","sentiment_score":-0.052017218357807884,"num_words":37,"start":4242.205,"end":4256.535},{"sentences":[{"text":"Mental health?","start":4276.3096,"end":4277.3696,"sentiment":"neutral","sentiment_score":-0.0950930044054985},{"text":"No.","start":4279.4297,"end":4279.9097,"sentiment":"neutral","sentiment_score":-0.14712734520435333},{"text":"I mean, let me I can I'll contact them and and have a look, but I cannot currently see an exclusion.","start":4279.9097,"end":4288.205,"sentiment":"neutral","sentiment_score":-0.09497991541311854},{"text":"Yeah.","start":4302.54,"end":4303.04,"sentiment":"neutral","sentiment_score":-0.17294931411743164},{"text":"Yeah.","start":4309.1953,"end":4309.6953,"sentiment":"neutral","sentiment_score":-0.07952570915222168}],"sentiment":"neutral","sentiment_score":-0.09939871542155743,"num_words":26,"start":4276.3096,"end":4309.6953},{"sentences":[{"text":"But, generally speaking, insurers, if it's been an extended period of time since the event occurred when you take out the policy, then they're fine.","start":4309.995,"end":4319.515,"sentiment":"neutral","sentiment_score":-0.01200536459684372},{"text":"If it's a one off event, it's fine.","start":4319.515,"end":4321.2,"sentiment":"neutral","sentiment_score":0.041315154638141394},{"text":"If it's there's a difference between acute and chronic, acute being because an event occurred that another reasonable person would also feel, you know, attached to versus chronic being something that's long term.","start":4321.2803,"end":4333.9404,"sentiment":"neutral","sentiment_score":-0.07058993043998878},{"text":"Yeah.","start":4335.845,"end":4336.165,"sentiment":"neutral","sentiment_score":0.1499384641647339},{"text":"I I will definitely double check, and I will include it in the email when I get all the data through.","start":4336.165,"end":4340.345,"sentiment":"neutral","sentiment_score":0.1904853731393814}],"sentiment":"neutral","sentiment_score":0.021034667247229,"num_words":88,"start":4309.995,"end":4340.345},{"sentences":[{"text":"But I I can't see an exclusion at all for either mental health or for a brain injury, but I will double double check.","start":4340.565,"end":4347.3853,"sentiment":"neutral","sentiment_score":-0.050991552571455635},{"text":"Yeah.","start":4358.18,"end":4358.68,"sentiment":"neutral","sentiment_score":-0.0358661524951458},{"text":"Yeah.","start":4363.7954,"end":4364.2954,"sentiment":"neutral","sentiment_score":0.0005922559648752213},{"text":"You you you were ensured that the exclusion was removed or that it was included in the Volusia.","start":4364.355,"end":4371.6553,"sentiment":"neutral","sentiment_score":0.018144540695680514},{"text":"Yep.","start":4375.8696,"end":4376.3696,"sentiment":"neutral","sentiment_score":0.026038434356451035}],"sentiment":"neutral","sentiment_score":-0.020142910919255682,"num_words":45,"start":4340.565,"end":4376.3696},{"sentences":[{"text":"Everything's fine.","start":4379.63,"end":4380.77,"sentiment":"neutral","sentiment_score":0.16004672646522522},{"text":"No.","start":4381.15,"end":4381.31,"sentiment":"neutral","sentiment_score":0.0398489385843277},{"text":"That's good.","start":4381.31,"end":4382.05,"sentiment":"neutral","sentiment_score":0.15213312208652496},{"text":"Oh, perfect.","start":4382.59,"end":4383.23,"sentiment":"positive","sentiment_score":0.4319383203983307},{"text":"Alright.","start":4383.23,"end":4383.4697,"sentiment":"neutral","sentiment_score":0.2850189208984375}],"sentiment":"neutral","sentiment_score":0.22663802467286587,"num_words":8,"start":4379.63,"end":4383.4697},{"sentences":[{"text":"Well, I've got a little bit of homework to do, which fantastic.","start":4383.4697,"end":4386.565,"sentiment":"positive","sentiment_score":0.37120719502369565},{"text":"You'll get an email from me.","start":4387.9854,"end":4389.185,"sentiment":"neutral","sentiment_score":0.1656272808710734},{"text":"It'll probably take me a couple of weeks to get an answer from ResLife or Resolution Life just with regards to, like, the quotes and stuff like that.","start":4389.185,"end":4397.4253,"sentiment":"neutral","sentiment_score":0.1515109704009124},{"text":"So I will send you an email through with the details when I get it.","start":4397.4253,"end":4402.08,"sentiment":"neutral","sentiment_score":0.15115195959806443},{"text":"I haven't forgotten.","start":4402.08,"end":4402.96,"sentiment":"neutral","sentiment_score":0.08969486753145854}],"sentiment":"neutral","sentiment_score":0.19104564364533871,"num_words":64,"start":4383.4697,"end":4402.96},{"sentences":[{"text":"It's just gonna take time to get it from them.","start":4402.96,"end":4405.2197,"sentiment":"neutral","sentiment_score":0.08161713071167469},{"text":"And, otherwise, I will include the trauma claims just so you have a little bit more in-depth, I guess, information on what is actually claimable, what what partial claims are available under your policy as well.","start":4407.1997,"end":4419.895,"sentiment":"neutral","sentiment_score":0.022742094472050667},{"text":"And I will double check on the exclusions and ensure that they're definitely 1000% on none.","start":4420.835,"end":4425.975,"sentiment":"neutral","sentiment_score":0.07959009305341169},{"text":"Yes.","start":4430.56,"end":4431.06,"sentiment":"neutral","sentiment_score":-0.021137738600373268},{"text":"Yeah.","start":4441.855,"end":4442.355,"sentiment":"neutral","sentiment_score":-0.1502060741186142}],"sentiment":"neutral","sentiment_score":0.042765381003846414,"num_words":64,"start":4402.96,"end":4442.355},{"sentences":[{"text":"No.","start":4458.75,"end":4459.15,"sentiment":"neutral","sentiment_score":-0.0709678903222084},{"text":"That's absolutely fine.","start":4459.15,"end":4460.61,"sentiment":"neutral","sentiment_score":0.25873952110608417},{"text":"I am more than happy to schedule in an appointment if she knows what availability.","start":4461.23,"end":4466.6147,"sentiment":"positive","sentiment_score":0.48459203640619913},{"text":"Absolutely.","start":4473.155,"end":4473.655,"sentiment":"neutral","sentiment_score":0.26732587814331055},{"text":"I I will send a text message to her after this to try and schedule in a time that will work.","start":4475.3945,"end":4481.4946,"sentiment":"neutral","sentiment_score":0.21530780125231969}],"sentiment":"neutral","sentiment_score":0.3112907542324648,"num_words":41,"start":4458.75,"end":4481.4946},{"sentences":[{"text":"Absolutely.","start":4483.28,"end":4483.78,"sentiment":"neutral","sentiment_score":0.31627076864242554},{"text":"Now what I'm gonna do is I'm gonna send you a pack via email, and it's just gonna have a bit of a a summary on, like, where things fit, balance the figures that we we just ran through and you broke down.","start":4484.08,"end":4495.86,"sentiment":"neutral","sentiment_score":0.18679556042649026},{"text":"I did tell you I was gonna email it to you.","start":4495.905,"end":4498.005,"sentiment":"neutral","sentiment_score":0.11176029186357152},{"text":"I'll send that through to you so that way you have that.","start":4498.945,"end":4502.465,"sentiment":"neutral","sentiment_score":0.19222326328357062},{"text":"It also has our ongoing service agreement.","start":4502.465,"end":4505.585,"sentiment":"neutral","sentiment_score":0.06610840133258275}],"sentiment":"neutral","sentiment_score":0.16685514927313133,"num_words":74,"start":4483.28,"end":4505.585},{"sentences":[{"text":"So It they generally go hand in hand, feisty and calm.","start":4505.585,"end":4528.995,"sentiment":"neutral","sentiment_score":0.11553488366983154},{"text":"It works.","start":4529.455,"end":4530.115,"sentiment":"neutral","sentiment_score":0.14906348288059235},{"text":"So I will send you that email.","start":4532.335,"end":4536.0903,"sentiment":"neutral","sentiment_score":0.18156759015151433},{"text":"Now we've changed our CRM or our our our data system, and it's all integrated with, like, any of our our email systems.","start":4536.0903,"end":4545.6104,"sentiment":"neutral","sentiment_score":0.16081424737754074},{"text":"So if it goes to your junk inbox, don't be surprised.","start":4545.6104,"end":4549.175,"sentiment":"neutral","sentiment_score":0.15618002008308063}],"sentiment":"neutral","sentiment_score":0.15290169866272696,"num_words":54,"start":4505.585,"end":4549.175},{"sentences":[{"text":"But I am sending that now, so you'll get it within the next few minutes.","start":4549.795,"end":4553.155,"sentiment":"neutral","sentiment_score":0.17259141157070795},{"text":"Okay?","start":4553.155,"end":4553.655,"sentiment":"neutral","sentiment_score":0.11359724402427672},{"text":"That's okay.","start":4556.275,"end":4557.015,"sentiment":"neutral","sentiment_score":0.2946234941482544},{"text":"And, otherwise, I'll touch base with you in a couple of weeks to just have a chat about the investment changes that I recommend after I do my little investigation.","start":4557.0747,"end":4566.97,"sentiment":"neutral","sentiment_score":0.1999412402510643},{"text":"Cool.","start":4569.327,"end":4569.827,"sentiment":"positive","sentiment_score":0.383784294128418}],"sentiment":"neutral","sentiment_score":0.19742320219472964,"num_words":49,"start":4549.795,"end":4569.827},{"sentences":[{"text":"Perfect.","start":4569.887,"end":4570.387,"sentiment":"positive","sentiment_score":0.481339693069458},{"text":"Well, if there's any questions, feel free to reach out.","start":4570.527,"end":4573.087,"sentiment":"neutral","sentiment_score":0.29241113513708117},{"text":"But, otherwise, have a fantastic afternoon.","start":4573.087,"end":4575.427,"sentiment":"positive","sentiment_score":0.5110789885123571},{"text":"Thanks, Greg.","start":4577.727,"end":4578.607,"sentiment":"positive","sentiment_score":0.8121811151504517},{"text":"Bye.","start":4578.607,"end":4579.107,"sentiment":"neutral","sentiment_score":-0.07813356816768646}],"sentiment":"positive","sentiment_score":0.40090768188238146,"num_words":20,"start":4569.887,"end":4579.107}]}}]},{"alternatives":[{"transcript":"Hello? No. That was me. Sorry. I I pressed the wrong button. Craig Dickinson. 11387620 Martha Street, Bakersfield 6162. Yes. And I just like to know that all my insurances and stuff are in place and all going good. No worries. It's been a pay increase. It's the only thing that sort of changed. About $1.85. Yeah. Finally, they're coughing up the dough. Yeah. No. Just base income. All the all the bonuses and what do they call it? The allowances will go off your base. So if your base goes up, then everything else goes up. But that still just packages into my take home. No. What what is it that have they done it? What am I done at the moment? No. I'm what they call the explosive coordinator now. So one under supervisor, I guess. More supervisor kinda role. Correct. No. Not quite there, but I'm not sure if I I wanna get there. No. Twenty years is enough. But how it pays the bill pays the bill, so I'll just cover it. Unless we unless you have an idea unless you have an idea where I can do something crazy and and that kind of money. Financial adviser. Yep. Yep. Fourteen years. It's Sinatra's times up there. No. Eight days on, six days off. No. When you when when you when you look at the the, you know, that $185 and they're only working just over half a year, it's it's it's doable. No. Monthly. Oh, is that is that better is that better for them? Yes. Yeah. I know Rio very well, and I always think they've had an an ulterior motive there that's better for them somehow, but yeah. No. Not really. Just the price of living has gone up, and we've done a few mods around the house to to keep getting savings at bay. Yep. And then we're already on one wage. The wife stopped working, which is great for the kids and great for the family, but has made their savings too much. Yeah. Oh, absolutely. Nine and 11. Nine. But it's all hard. Do you got kids? Oh. Yeah. Yeah. And there's no nothing's particularly easy. Everything's just hard in a different way. When our baby, do you think once they get out of napkins and walking and talking, you think it's a lot easier, but you know, they had to talk back here and free free day care. Does your kids start and you're in Queensland, Did your kids starting high school in grade seven or eight? Yes. Same as you learn. You just changed that. Yeah. Fairly, he's high school, and it's a battle. It's a battle to get him out. He doesn't use a sleep for an hour. Every morning, it's just a battle to get him out. Yeah. Right. Right. Yeah. Yeah. Well, it's yeah. Boy, he doesn't sleep well. He he doesn't get to sleep well, which sucks. Well, doesn't settle. And then he starts reading a book. So he's like, oh, cool. Great. He's 11 year old. He's reading a book all the time. He's reading novel after novel after novel. But when he's reading a novel at eleven or twelve at night, Not so good. And, like, you know, he pulled a book off him and then he will sit there with a headlamp and sneak a book. At least it's not Nintendo or an iPad, but it's not sleeping either. Yeah. Yeah. Yeah. It's it's really good because when he when they do lose it or when he loses it, you know, of a has an emotional roller coaster day, It's just just go and read your book. Right? And a good one that'll just settle him down and give him some focus and chill. Because I do see a lot of other kids sitting on the iPads for hours and hours and hours and hours, which she doesn't do. Yeah. Yep. Yeah. Because they don't particularly their kids aren't particularly sporty, but they don't do much. He plays water polo as a boy, which is really great. And he's into that. So it's every Friday. And but skateboarding was the only thing that really kept him you know, pulled him out of that iPad world or that he had a Nintendo switch there for a while. I don't even touch as much anymore. He just gets in on a skater and has a bit of a Skype, which is great. Yep. 100%. Moving right along. Probably bump it up to 1.5 just because the property market's been hammering. Three no. $3.40. Not currently. No. This minimum. Shannon. Yes. Correct. And we sort of plowed through those savings, but it's been a kind of a okay thing because it's just made us stop spending so much. And some for a while, I mean, we're not a holiday. We went to Japan last year and just doing a bit of renovation in the shed, and it's just really put the brakes on a lot of those spendings, those unwanted spendings, which is a good thing. Forced. But it's it's okay. No. No. We didn't have it anymore. Oh. Sam, when did we sell Bremer? Maybe three or four years ago. About four years five years ago. Were we here or in Tom Price? Yeah. Oh, yeah. So it's like four years ago. Yes. Just spending what we can afford. We're doing it ourselves. Yeah. And then when it when it breaks, we know how to fix it. Yes, sir. That's correct. Yeah. No. Well, I've got a car and a boat and a trailer, but nothing really that you'd say is a massive asset. I've got an old sailing boat, which is cool, but it's not worth any. I mean, it's worth mentioning. And the old car, we still got the old Prada, which is still going great. That'll be yeah. No. It's going really good. Earlier. Two '70 '7. Yeah. Yeah. No. Really good. I'll give it $15. Well, that's not really moving anywhere. That's just staying there for emergencies. Yep. Which is in in the mortgage account, offsetting that. Is that the best is is an offset account any different to putting it into the mortgage with a redraw facility of it? No. Not no. We haven't had any drivers accessing it multiple times. I did look into that, but they charge a fee for such a thing. So I'll just sort of know. I'll just keep putting in any mortgage and redraw on it where we need to. Yep. Yeah. No. Yeah. So we're we're doing that. We've been doing that forever having we did have a few properties back then, so that's sort of good knowledge. And we just so the money goes into the savings account, I guess. And then because of the beauty of Internet banking, these guys are all very manageable from the company home. So, yeah, then we transfer all into the mortgage with their credit card for the full month and then just pay the rate credit card off at the end of the month. Yeah. Knowing that your interest gets charged daily. So Yes. That's right. Yeah. That's exactly right. And I'll say that to a lot of people is that just because you get a credit card, it's not your money. They're gonna want it back. And if you don't pay it back within thirty days, they're gonna charge you. Yeah. That's right. At very high interest. No. That's right. And this is something you told me a long time ago is is the bank will never give you interest free loans except for credit cards if you paid off thirty or forty days depending on what. And then you get the points, which is kind of okay because I fly Qantas to work. So we need to skip quantas points. So that just tops it all up nice. I've got loads of quantas points here to do it on a holiday. No. No. No. We'd like quantas to work, but we still get the points for that. Yeah. Yep. Well, it's just eight perks. Yeah. Yeah. We dropped it down to 6,000. You see it 10,000 or we just dropped it at 6,000 because it it was a bit easy to because it's a really good reminder that we were running out. Oh, you nearly out of this month's because then you just chuck more in there. It's all we never go over. Yeah. Yep. $10 was probably better when we're both working. But now with just one of us working, we just drop it down to 6,000 just to pull the reins up when, you know, it's a good reminder. Pull the reins. Yep. No. No. No. Should we do it? Correct. Correct. Yep. Well, Right. Well, that's probably have been too fast about it. Probably could do it, but they just say the house is joint owned and the cars, you know, it's it's 2,010. It's probably only worth $25. I'm sure it's not gonna take that long to work that out. I might I've proven wrong and I won't be here to worry about it. But if I was to target and the car, I guess, the only thing that's in my name, but that's only, you know, it's an old Prado now. It's not like a we can go down the line and find a $160 Land Cruiser, so I wouldn't call it a massive asset by any stretch. Yeah. Gotcha. Yeah. Okay. Yes. Yep. It's probably something we should do. I probably said that last time when I said to you guys and probably something we should do, but Yeah. Yep. Yep. Yep. Yep. Okay. It's a load on, ain't it? Is it because because is it because I've got a lot of insurance coming out of that? I mean, $2.40 seven, I I've been working twenty years mining, so I've been always over a $100, I guess. And there's twenty years of mining. It's not that much, is it? Yeah. But 2 47 for a 50 year old is probably a bit low, is it? I don't know. Oh. Yes. Yeah. I guess the the question that I will ask when we get to it I'll just ask it now. Just the things with the with the with the pay rise, should I put more will it make much more than my take home if I donate more to my super? Well, one 100 and 90 is the next bracket, isn't it? I think I read a million. Yeah. Once I get a 190, then it goes up to, like, 70%. Yep. Oh, so what's what's below? A 100 and alright. So it has a week, is it? Yeah. Yeah. Yep. Yep. Yeah. Yeah. Yeah. Gotcha. So if if for whatever reason, if I go up over the $1.90, I should start thinking about delivering more than a super, do you think? Or making another investment somewhere? Yeah. Uh-huh. Yep. Yeah. Yeah. Yeah. Yeah. Yeah. Yes. I mean, that's not a problem. Yes. That's right. And that's that's where if I do go over that, if I get to the 200 sort of grand a year, then I'll be ringing you and saying, how much can I salary save for most without affecting too much my take home? Yep. Yep. Yep. Yep. Uh-huh. Yep. That's right. Because there's a risk. That's right. So 15 grand, we're not really willing to risk that. The 6% is offsetting is is good enough. Yeah. Yeah. If you've made a speculative thing and it made a 100% increase, that'd be great. But I'm afraid of the markets at the moment with the the work current world, the stuff that's happening in the world. I don't have a lot of faith. I'll be I'm old enough to remember 2010 and, like, 2016 was a 2016 was a bit of a bad year. Yeah. Yeah. They still are. Yep. Yep. Exactly. That's all. There we go. No. Yeah. I just wanna make sure. Last discussions we had, I don't think it was you particularly, but with Oakview, they they sort of considered dropping my life insurance for getting older. You know? If I was the car, I want to know that my wife, at least, has loads of loads of money to I think it's a million dollars maybe. The life payout. Because what have I got? I got life, t p and d, and income protection, I think. I just wanna make sure they're they're all in place and where they fit. How much it's costing me and what do they all get out or or the family gets out of it. Just just just hold it for a minute. I'll just get a pen and paper. Oh, yeah. Finance. So I'll just drop this down. Sorry. $2.47 in super. Okay. Lost. Yeah. Yep. Yes. Okay. Ninety day waiting period 13,900 per month. Something's changed there, which I'll probably just leave it the same. But so the re the reason I put the ninety day waiting period in is because it dropped the the premium a bit. But work now so what you probably didn't hear about it. So work used to have a great sick leave policy that you used to have two, three days a year or about thereabouts, which once you on a on a eight and six roster, that's about three months. And then they would drop you down to your base pay without all your side allowances. So they realized that, oh my gosh, everyone's just bludging and, you know, we're really short on workers at work. So they've now changed it to fifteen six six days a year. And but you in case of serious illness or injury, you get twelve months at full pay. So if I was to break my leg, get some disease or or whatever where I'm not able to work, they will now pay me my full wage for twelve months as opposed to the three months at full pay and then drop you down to a base salary. So I'd probably keep that the same just for but the one thing, yeah, I wanna know is how much these are costing me, the premiums for both both the last dividend income and whether changing things affects the premium that much. It won't help it won't help us on battling cancers without use. Yeah. Yep. Is there any can like, I mean, how does that what is that? Is that any cancer, any trauma? So I I fell off a ladder and snapped my pill. I don't know. You know, just plucking things out of the is it trauma like that? Is it I don't know. And is that sort of do do they if you if I'm out on a jet not that I rode a jet ski, but if I'm out of jet ski, and do they, like, spray out upon on that, I guess, as opposed to me doing day to day or as opposed to an extreme sport kind of things? Not that I'm a jet skier. Oh, okay. It's good to know. Gotcha. Gotcha. Yep. No prob. 1,800 and nine six per year. That's not that much. I thought it was more than that for some reason. Because because I work with explosives, that's always been a thing. But does my new job, because I'm less actually dealing with explosives, that changed at all? Was that a and p? Yeah. Yeah. That's right. Because I used to get all these phone calls from these random laughing serious people. And then you only have to say the word explosives and they just hang up on you. Yep. Gotcha. But in saying that 1,000 eight 100 a year is instead of my service, it is less than I thought. So that's yeah. It's been months, ain't it? And what's that? Are you? I have the year of the day access to a calculator. Yep. Those numbers aren't as big as I thought they were. You know, and and it's with any luck, my health holds down. It's a complete waste of money. But if it doesn't hold out and then they'll get crook, I'm sure I'll be very happy with it. Well, I think so. Just because those numbers are pretty numbers pretty good. If whatever happens and I get 3 100 and 80 $18, then I'm sure that's gonna come in handy. And if I cut it, I'm sure the 1.5 is the waffle we have here with that. Yeah. Yeah. Oh, so so I'm paying for $13.09 $0.09 per month in in the in the case of income protection, but then they're gonna give me $11. Probably paying two months for that one the whole time ever. Yeah. I have a fair bit of confidence that at least work's gonna pay me pay me a minimum of one year so that that'll be you can double dip. Okay. They they don't so income protection, so I I fall over and break my pelvis. I like to pay break pelvis rather than something I'm gonna die from. Break my pelvis, they're gonna pay me 75% of the wage. So it was 11 and a half grand or whatever you said. Plus work will still pay me for at least one year. And that that that Oh, really? Oh, you can't double dip on that one. I was under the assumption you could double dip. No. I understand the work cover. Oh, Well, so so in saying that, should I pump out the ninety day waiting period to to one year waiting period? Because I have confidence that my work will pay me for a year, and that that should reduce my pay with it. Interesting. Yes. Yeah. I'm pretty confident that they've it's a fairly rash decision to change your sick leave from fifty days to fifteen. A lot of disgruntled employees there, but it's, yeah, set in stone now that they wanna go back. Because that's that's the industry or actually, they're even above industry standard. Industry standard 10 days a year, I think, like, that leaves I've slipped another five days in there. Yep. See how we go because, like I said, that 1,800 a year coming in with a super to pay for that and life isn't as scary as what I thought it was. Yeah. That's right. Exactly. Yeah. Yeah. And and maybe we need to sort that wheel out because, I mean, the only other thing is the kids. So if we both cock it, then just leave everything kids, but I don't know how automatic that'll or does that get sticky if we're in a plane accident or a car accident and we both cock it? Is it as simple as that or is that where without a wheel gets a bit tricky tricky? Oh, that'll fit Catamax with Pigeons. They already fought over everything. Probably we've probably I see where the wheel kicks in now because we've got an executive, which should be the brother-in-law. He's a sensible guy and a bit younger than us. So, I mean, I can put my mom or the wife's mom, but she's about getting too old for such a gig. So I spoke to brother-in-law to the sensible one as an executor, and he could he he's we I don't confidence that he'd make the right decision in such a case. Right. That'd be the also the brother-in-law, but and they they live in Bali, and they got three young kids. They get along because the cousins are great. It's all very it's all very because they wanna move back to WA anyway, I think. So that that would probably cool. We'll look after the kids when we're moving into your house. And then it'd be a madhouse because there'd be five kids here, but they can do it with it. Yeah. And so then then you'll be oh, jeez. Thank god you did the shed out. There's a bit of a granny flat. You found me out there a bit. Yep. Oh, so does that sort of supersede a wheel as far as the super is concerned? Yep. Yeah. And just and this is all very hypotheticals. We don't plan on dying anytime particularly soon. But if if I was to put the kids as the beneficiary, can they access it? So they have to wait till they're 18 or something, is it? Wrong. Yep. I'm picking up what you put now. Just just hurry up and get a will, would you, is what you're saying? Yeah. Yeah. Yeah. Yep. Yep. No. That's about it. That's pretty good. I'm pretty happy with those numbers. It's only let's say, about $4, I guess, per year for all that insurance. Yeah. And that's acceptable in my current situation, I think, for those numbers with, you know, for the payer numbers. Yep. No. Is is that due to go up every every year you get older? By by what kind of percentage, I guess? Because I'm 50 this year. But is 50 like a big number where they go, oh, cool. We're gonna plug you in. Or it's just percentage per year? Okay. Yeah. That'll that'll come into play. No. You you I'm trying to fear factor fear me into it, but that's that's dead right. I know. That riding bikes is saying. No. That that's all pretty good. I'm pretty happy with all that. Because realistically, this is just the way my brain thinks. So if I'm getting, would you say, about $2 super contributions from work per month? 1,800. Certainly, that's I'm getting about eleven months of contribution after they pay for the $1.08 $9.06 per year for the loss and TBD income protection. Yeah. That's just why my brain works. Sorry. And then I just have to cough up the 2,100 to pay for the trauma, which I'm happy enough with at this stage. And and just tell me about trauma. Do they and now if I just break my arm, I'm running out for six months. Do they it's it's not the full lump sum of $3.18 that they sort of do it per injury kind of thing. Is that the way that works? Or is it just a standard $3.18 lump sum? So I know insurance companies. I don't I'm never on sort of insurance companies or scammers. Right. No. Okay. I've got something else I've got something else to mention as well. Now when I've had that policy, I had to go through a lot of work to get rid of that hip injury. I think that I've had enough exclusion. So that was excluded into my knowledge. Can I just confirm that that's still the case, I guess? There's a lot of I went through I used to work to had to get neurologist reports and and all that kind of stuff to exclude but there was no exclusion for any hereditary. It was like, yep. None of those that that they didn't so they would still pay out if my head had a relapse of the head injury, which is hasn't been the case for twenty five years or whatever it is. Oh, cool. There was one there was one there because I had a harassment case and this is also, what, fifteen years ago. There's a harassment case at work and I went to the doctor and just had some time off because of work related stress. And then I I was honest when I took that policy out and I think they excluded stress and stuff like that. But what you're saying, there was a yeah. Mental health. It was I mean, it's it's I didn't get diagnosed with mental health or stress related injuries. It was just I was just honest. They said, have you ever suffered stress? So I said, oh, you went to the doctor because I got grass at work and I just took some sick leave because of I wasn't, you know, fit for work. It was not like to to to get diagnosed with stress is a whole different kettle of fish. Yeah. Yep. Yeah. Yeah. Yeah. Perfect. Now I went I went through a lot of the because I was worried about the brain injury, but through so my old financial adviser guy, he helped me through and he would excluded that, I guess. Or, you know, so it was never gonna be a drama. There's never been a drama since. Yeah. Yep. And I I I would take it from myself just to go to neurologist every couple of years just to go and have a chat and whatever. And and he's like, no. You're all good. Don't worry. Yeah. Yep. No, bro. No worries. Now my wife just walked out then, but maybe she's due for a catch up call. Not now, obviously, but at some stage in the next month. Can we just book I can't see every day. I just have not had a chance to look at it, and I'm not happy with the performance of the last year. Well, you need to sort of talk to him to make that work. Yep. My wife looks putting it ahead in his hand or is it else to me? You you guys scheduling a phone call to her to schedule an appointment and then they're working at otherwise, I'll be in trouble. Yep. No problems. Yep. It seems it takes to book in the course. Mine was just, like, one thing, very slow in the whole of our year. And it's like Well, you need to talk to them about it. I'm not in charge of that. Okay. I'm just gonna have the chance to do my investigation into our budget. Oh, gee. She's forced to get that one. No worries. Alright. Thanks very much. No worries. Cheers. You too. 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No. That was me. Sorry. I I pressed the wrong button.\n\nCraig Dickinson. 11387620 Martha Street, Bakersfield 6162. Yes. And I just like to know that all my insurances and stuff are in place and all going good. No worries.\n\nIt's been a pay increase. It's the only thing that sort of changed. About $1.85. Yeah. Finally, they're coughing up the dough.\n\nYeah. No. Just base income. All the all the bonuses and what do they call it? The allowances will go off your base.\n\nSo if your base goes up, then everything else goes up. But that still just packages into my take home. No. What what is it that have they done it? What am I done at the moment?\n\nNo. I'm what they call the explosive coordinator now. So one under supervisor, I guess. More supervisor kinda role. Correct.\n\nNo. Not quite there, but I'm not sure if I I wanna get there. No. Twenty years is enough. But how it pays the bill pays the bill, so I'll just cover it.\n\nUnless we unless you have an idea unless you have an idea where I can do something crazy and and that kind of money. Financial adviser. Yep. Yep. Fourteen years.\n\nIt's Sinatra's times up there. No. Eight days on, six days off. No. When you when when you when you look at the the, you know, that $185 and they're only working just over half a year, it's it's it's doable.\n\nNo. Monthly. Oh, is that is that better is that better for them? Yes. Yeah.\n\nI know Rio very well, and I always think they've had an an ulterior motive there that's better for them somehow, but yeah. No. Not really. Just the price of living has gone up, and we've done a few mods around the house to to keep getting savings at bay. Yep.\n\nAnd then we're already on one wage. The wife stopped working, which is great for the kids and great for the family, but has made their savings too much. Yeah. Oh, absolutely. Nine and 11.\n\nNine. But it's all hard. Do you got kids? Oh. Yeah.\n\nYeah. And there's no nothing's particularly easy. Everything's just hard in a different way. When our baby, do you think once they get out of napkins and walking and talking, you think it's a lot easier, but you know, they had to talk back here and free free day care. Does your kids start and you're in Queensland, Did your kids starting high school in grade seven or eight?\n\nYes. Same as you learn. You just changed that. Yeah. Fairly, he's high school, and it's a battle.\n\nIt's a battle to get him out. He doesn't use a sleep for an hour. Every morning, it's just a battle to get him out. Yeah. Right.\n\nRight. Yeah. Yeah. Well, it's yeah. Boy, he doesn't sleep well.\n\nHe he doesn't get to sleep well, which sucks. Well, doesn't settle. And then he starts reading a book. So he's like, oh, cool. Great.\n\nHe's 11 year old. He's reading a book all the time. He's reading novel after novel after novel. But when he's reading a novel at eleven or twelve at night, Not so good. And, like, you know, he pulled a book off him and then he will sit there with a headlamp and sneak a book.\n\nAt least it's not Nintendo or an iPad, but it's not sleeping either. Yeah. Yeah. Yeah. It's it's really good because when he when they do lose it or when he loses it, you know, of a has an emotional roller coaster day, It's just just go and read your book.\n\nRight? And a good one that'll just settle him down and give him some focus and chill. Because I do see a lot of other kids sitting on the iPads for hours and hours and hours and hours, which she doesn't do. Yeah. Yep.\n\nYeah. Because they don't particularly their kids aren't particularly sporty, but they don't do much. He plays water polo as a boy, which is really great. And he's into that. So it's every Friday.\n\nAnd but skateboarding was the only thing that really kept him you know, pulled him out of that iPad world or that he had a Nintendo switch there for a while. I don't even touch as much anymore. He just gets in on a skater and has a bit of a Skype, which is great. Yep. 100%.\n\nMoving right along. Probably bump it up to 1.5 just because the property market's been hammering. Three no. $3.40. Not currently.\n\nNo. This minimum. Shannon. Yes. Correct.\n\nAnd we sort of plowed through those savings, but it's been a kind of a okay thing because it's just made us stop spending so much. And some for a while, I mean, we're not a holiday. We went to Japan last year and just doing a bit of renovation in the shed, and it's just really put the brakes on a lot of those spendings, those unwanted spendings, which is a good thing. Forced. But it's it's okay.\n\nNo. No. We didn't have it anymore. Oh. Sam, when did we sell Bremer?\n\nMaybe three or four years ago. About four years five years ago. Were we here or in Tom Price? Yeah. Oh, yeah.\n\nSo it's like four years ago. Yes. Just spending what we can afford. We're doing it ourselves. Yeah.\n\nAnd then when it when it breaks, we know how to fix it. Yes, sir. That's correct. Yeah. No.\n\nWell, I've got a car and a boat and a trailer, but nothing really that you'd say is a massive asset. I've got an old sailing boat, which is cool, but it's not worth any. I mean, it's worth mentioning. And the old car, we still got the old Prada, which is still going great. That'll be yeah.\n\nNo. It's going really good. Earlier. Two '70 '7. Yeah.\n\nYeah. No. Really good. I'll give it $15. Well, that's not really moving anywhere.\n\nThat's just staying there for emergencies. Yep. Which is in in the mortgage account, offsetting that. Is that the best is is an offset account any different to putting it into the mortgage with a redraw facility of it? No.\n\nNot no. We haven't had any drivers accessing it multiple times. I did look into that, but they charge a fee for such a thing. So I'll just sort of know. I'll just keep putting in any mortgage and redraw on it where we need to.\n\nYep. Yeah. No. Yeah. So we're we're doing that.\n\nWe've been doing that forever having we did have a few properties back then, so that's sort of good knowledge. And we just so the money goes into the savings account, I guess. And then because of the beauty of Internet banking, these guys are all very manageable from the company home. So, yeah, then we transfer all into the mortgage with their credit card for the full month and then just pay the rate credit card off at the end of the month. Yeah.\n\nKnowing that your interest gets charged daily. So Yes. That's right. Yeah. That's exactly right.\n\nAnd I'll say that to a lot of people is that just because you get a credit card, it's not your money. They're gonna want it back. And if you don't pay it back within thirty days, they're gonna charge you. Yeah. That's right.\n\nAt very high interest. No. That's right. And this is something you told me a long time ago is is the bank will never give you interest free loans except for credit cards if you paid off thirty or forty days depending on what. And then you get the points, which is kind of okay because I fly Qantas to work.\n\nSo we need to skip quantas points. So that just tops it all up nice. I've got loads of quantas points here to do it on a holiday. No. No.\n\nNo. We'd like quantas to work, but we still get the points for that. Yeah. Yep. Well, it's just eight perks.\n\nYeah. Yeah. We dropped it down to 6,000. You see it 10,000 or we just dropped it at 6,000 because it it was a bit easy to because it's a really good reminder that we were running out. Oh, you nearly out of this month's because then you just chuck more in there.\n\nIt's all we never go over. Yeah. Yep. $10 was probably better when we're both working. But now with just one of us working, we just drop it down to 6,000 just to pull the reins up when, you know, it's a good reminder.\n\nPull the reins. Yep. No. No. No.\n\nShould we do it? Correct. Correct. Yep. Well, Right.\n\nWell, that's probably have been too fast about it. Probably could do it, but they just say the house is joint owned and the cars, you know, it's it's 2,010. It's probably only worth $25. I'm sure it's not gonna take that long to work that out. I might I've proven wrong and I won't be here to worry about it.\n\nBut if I was to target and the car, I guess, the only thing that's in my name, but that's only, you know, it's an old Prado now. It's not like a we can go down the line and find a $160 Land Cruiser, so I wouldn't call it a massive asset by any stretch. Yeah. Gotcha. Yeah.\n\nOkay. Yes. Yep. It's probably something we should do. I probably said that last time when I said to you guys and probably something we should do, but Yeah.\n\nYep. Yep. Yep. Yep. Okay.\n\nIt's a load on, ain't it? Is it because because is it because I've got a lot of insurance coming out of that? I mean, $2.40 seven, I I've been working twenty years mining, so I've been always over a $100, I guess. And there's twenty years of mining. It's not that much, is it?\n\nYeah. But 2 47 for a 50 year old is probably a bit low, is it? I don't know. Oh. Yes.\n\nYeah. I guess the the question that I will ask when we get to it I'll just ask it now. Just the things with the with the with the pay rise, should I put more will it make much more than my take home if I donate more to my super? Well, one 100 and 90 is the next bracket, isn't it? I think I read a million.\n\nYeah. Once I get a 190, then it goes up to, like, 70%. Yep. Oh, so what's what's below? A 100 and alright.\n\nSo it has a week, is it? Yeah. Yeah. Yep. Yep.\n\nYeah. Yeah. Yeah. Gotcha. So if if for whatever reason, if I go up over the $1.90, I should start thinking about delivering more than a super, do you think?\n\nOr making another investment somewhere? Yeah. Uh-huh. Yep. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yes.\n\nI mean, that's not a problem. Yes. That's right. And that's that's where if I do go over that, if I get to the 200 sort of grand a year, then I'll be ringing you and saying, how much can I salary save for most without affecting too much my take home? Yep.\n\nYep. Yep. Yep. Uh-huh. Yep.\n\nThat's right. Because there's a risk. That's right. So 15 grand, we're not really willing to risk that. The 6% is offsetting is is good enough.\n\nYeah. Yeah. If you've made a speculative thing and it made a 100% increase, that'd be great. But I'm afraid of the markets at the moment with the the work current world, the stuff that's happening in the world. I don't have a lot of faith.\n\nI'll be I'm old enough to remember 2010 and, like, 2016 was a 2016 was a bit of a bad year. Yeah. Yeah. They still are. Yep.\n\nYep. Exactly. That's all. There we go. No.\n\nYeah. I just wanna make sure. Last discussions we had, I don't think it was you particularly, but with Oakview, they they sort of considered dropping my life insurance for getting older. You know? If I was the car, I want to know that my wife, at least, has loads of loads of money to I think it's a million dollars maybe.\n\nThe life payout. Because what have I got? I got life, t p and d, and income protection, I think. I just wanna make sure they're they're all in place and where they fit. How much it's costing me and what do they all get out or or the family gets out of it.\n\nJust just just hold it for a minute. I'll just get a pen and paper. Oh, yeah. Finance. So I'll just drop this down.\n\nSorry. $2.47 in super. Okay. Lost. Yeah.\n\nYep. Yes. Okay. Ninety day waiting period 13,900 per month. Something's changed there, which I'll probably just leave it the same.\n\nBut so the re the reason I put the ninety day waiting period in is because it dropped the the premium a bit. But work now so what you probably didn't hear about it. So work used to have a great sick leave policy that you used to have two, three days a year or about thereabouts, which once you on a on a eight and six roster, that's about three months. And then they would drop you down to your base pay without all your side allowances. So they realized that, oh my gosh, everyone's just bludging and, you know, we're really short on workers at work.\n\nSo they've now changed it to fifteen six six days a year. And but you in case of serious illness or injury, you get twelve months at full pay. So if I was to break my leg, get some disease or or whatever where I'm not able to work, they will now pay me my full wage for twelve months as opposed to the three months at full pay and then drop you down to a base salary. So I'd probably keep that the same just for but the one thing, yeah, I wanna know is how much these are costing me, the premiums for both both the last dividend income and whether changing things affects the premium that much. It won't help it won't help us on battling cancers without use.\n\nYeah. Yep. Is there any can like, I mean, how does that what is that? Is that any cancer, any trauma? So I I fell off a ladder and snapped my pill.\n\nI don't know. You know, just plucking things out of the is it trauma like that? Is it I don't know. And is that sort of do do they if you if I'm out on a jet not that I rode a jet ski, but if I'm out of jet ski, and do they, like, spray out upon on that, I guess, as opposed to me doing day to day or as opposed to an extreme sport kind of things? Not that I'm a jet skier.\n\nOh, okay. It's good to know. Gotcha. Gotcha. Yep.\n\nNo prob. 1,800 and nine six per year. That's not that much. I thought it was more than that for some reason. Because because I work with explosives, that's always been a thing.\n\nBut does my new job, because I'm less actually dealing with explosives, that changed at all? Was that a and p? Yeah. Yeah. That's right.\n\nBecause I used to get all these phone calls from these random laughing serious people. And then you only have to say the word explosives and they just hang up on you. Yep. Gotcha. But in saying that 1,000 eight 100 a year is instead of my service, it is less than I thought.\n\nSo that's yeah. It's been months, ain't it? And what's that? Are you? I have the year of the day access to a calculator.\n\nYep. Those numbers aren't as big as I thought they were. You know, and and it's with any luck, my health holds down. It's a complete waste of money. But if it doesn't hold out and then they'll get crook, I'm sure I'll be very happy with it.\n\nWell, I think so. Just because those numbers are pretty numbers pretty good. If whatever happens and I get 3 100 and 80 $18, then I'm sure that's gonna come in handy. And if I cut it, I'm sure the 1.5 is the waffle we have here with that. Yeah.\n\nYeah. Oh, so so I'm paying for $13.09 $0.09 per month in in the in the case of income protection, but then they're gonna give me $11. Probably paying two months for that one the whole time ever. Yeah. I have a fair bit of confidence that at least work's gonna pay me pay me a minimum of one year so that that'll be you can double dip.\n\nOkay. They they don't so income protection, so I I fall over and break my pelvis. I like to pay break pelvis rather than something I'm gonna die from. Break my pelvis, they're gonna pay me 75% of the wage. So it was 11 and a half grand or whatever you said.\n\nPlus work will still pay me for at least one year. And that that that Oh, really? Oh, you can't double dip on that one. I was under the assumption you could double dip. No.\n\nI understand the work cover. Oh, Well, so so in saying that, should I pump out the ninety day waiting period to to one year waiting period? Because I have confidence that my work will pay me for a year, and that that should reduce my pay with it. Interesting. Yes.\n\nYeah. I'm pretty confident that they've it's a fairly rash decision to change your sick leave from fifty days to fifteen. A lot of disgruntled employees there, but it's, yeah, set in stone now that they wanna go back. Because that's that's the industry or actually, they're even above industry standard. Industry standard 10 days a year, I think, like, that leaves I've slipped another five days in there.\n\nYep. See how we go because, like I said, that 1,800 a year coming in with a super to pay for that and life isn't as scary as what I thought it was. Yeah. That's right. Exactly.\n\nYeah. Yeah. And and maybe we need to sort that wheel out because, I mean, the only other thing is the kids. So if we both cock it, then just leave everything kids, but I don't know how automatic that'll or does that get sticky if we're in a plane accident or a car accident and we both cock it? Is it as simple as that or is that where without a wheel gets a bit tricky tricky?\n\nOh, that'll fit Catamax with Pigeons. They already fought over everything. Probably we've probably I see where the wheel kicks in now because we've got an executive, which should be the brother-in-law. He's a sensible guy and a bit younger than us. So, I mean, I can put my mom or the wife's mom, but she's about getting too old for such a gig.\n\nSo I spoke to brother-in-law to the sensible one as an executor, and he could he he's we I don't confidence that he'd make the right decision in such a case. Right. That'd be the also the brother-in-law, but and they they live in Bali, and they got three young kids. They get along because the cousins are great. It's all very it's all very because they wanna move back to WA anyway, I think.\n\nSo that that would probably cool. We'll look after the kids when we're moving into your house. And then it'd be a madhouse because there'd be five kids here, but they can do it with it. Yeah. And so then then you'll be oh, jeez.\n\nThank god you did the shed out. There's a bit of a granny flat. You found me out there a bit. Yep. Oh, so does that sort of supersede a wheel as far as the super is concerned?\n\nYep. Yeah. And just and this is all very hypotheticals. We don't plan on dying anytime particularly soon. But if if I was to put the kids as the beneficiary, can they access it?\n\nSo they have to wait till they're 18 or something, is it? Wrong. Yep. I'm picking up what you put now. Just just hurry up and get a will, would you, is what you're saying?\n\nYeah. Yeah. Yeah. Yep. Yep.\n\nNo. That's about it. That's pretty good. I'm pretty happy with those numbers. It's only let's say, about $4, I guess, per year for all that insurance.\n\nYeah. And that's acceptable in my current situation, I think, for those numbers with, you know, for the payer numbers. Yep. No. Is is that due to go up every every year you get older?\n\nBy by what kind of percentage, I guess? Because I'm 50 this year. But is 50 like a big number where they go, oh, cool. We're gonna plug you in. Or it's just percentage per year?\n\nOkay. Yeah. That'll that'll come into play. No. You you I'm trying to fear factor fear me into it, but that's that's dead right.\n\nI know. That riding bikes is saying. No. That that's all pretty good. I'm pretty happy with all that.\n\nBecause realistically, this is just the way my brain thinks. So if I'm getting, would you say, about $2 super contributions from work per month? 1,800. Certainly, that's I'm getting about eleven months of contribution after they pay for the $1.08 $9.06 per year for the loss and TBD income protection. Yeah.\n\nThat's just why my brain works. Sorry. And then I just have to cough up the 2,100 to pay for the trauma, which I'm happy enough with at this stage. And and just tell me about trauma. Do they and now if I just break my arm, I'm running out for six months.\n\nDo they it's it's not the full lump sum of $3.18 that they sort of do it per injury kind of thing. Is that the way that works? Or is it just a standard $3.18 lump sum? So I know insurance companies. I don't I'm never on sort of insurance companies or scammers.\n\nRight. No. Okay. I've got something else I've got something else to mention as well. Now when I've had that policy, I had to go through a lot of work to get rid of that hip injury.\n\nI think that I've had enough exclusion. So that was excluded into my knowledge. Can I just confirm that that's still the case, I guess? There's a lot of I went through I used to work to had to get neurologist reports and and all that kind of stuff to exclude but there was no exclusion for any hereditary. It was like, yep.\n\nNone of those that that they didn't so they would still pay out if my head had a relapse of the head injury, which is hasn't been the case for twenty five years or whatever it is. Oh, cool. There was one there was one there because I had a harassment case and this is also, what, fifteen years ago. There's a harassment case at work and I went to the doctor and just had some time off because of work related stress. And then I I was honest when I took that policy out and I think they excluded stress and stuff like that.\n\nBut what you're saying, there was a yeah. Mental health. It was I mean, it's it's I didn't get diagnosed with mental health or stress related injuries. It was just I was just honest. They said, have you ever suffered stress?\n\nSo I said, oh, you went to the doctor because I got grass at work and I just took some sick leave because of I wasn't, you know, fit for work. It was not like to to to get diagnosed with stress is a whole different kettle of fish. Yeah. Yep. Yeah.\n\nYeah. Yeah. Perfect. Now I went I went through a lot of the because I was worried about the brain injury, but through so my old financial adviser guy, he helped me through and he would excluded that, I guess. Or, you know, so it was never gonna be a drama.\n\nThere's never been a drama since. Yeah. Yep. And I I I would take it from myself just to go to neurologist every couple of years just to go and have a chat and whatever. And and he's like, no.\n\nYou're all good. Don't worry. Yeah. Yep. No, bro.\n\nNo worries. Now my wife just walked out then, but maybe she's due for a catch up call. Not now, obviously, but at some stage in the next month. Can we just book I can't see every day. I just have not had a chance to look at it, and I'm not happy with the performance of the last year.\n\nWell, you need to sort of talk to him to make that work. Yep. My wife looks putting it ahead in his hand or is it else to me? You you guys scheduling a phone call to her to schedule an appointment and then they're working at otherwise, I'll be in trouble. Yep.\n\nNo problems. Yep. It seems it takes to book in the course. Mine was just, like, one thing, very slow in the whole of our year. And it's like Well, you need to talk to them about it.\n\nI'm not in charge of that. Okay. I'm just gonna have the chance to do my investigation into our budget. Oh, gee. She's forced to get that one.\n\nNo worries. Alright. Thanks very much. No worries. Cheers.\n\nYou too. Bye bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.48,"end":0.98,"sentiment":"neutral","sentiment_score":0.0023024561814963818},{"text":"No.","start":3.28,"end":3.52,"sentiment":"neutral","sentiment_score":-0.19116877019405365},{"text":"That was me.","start":3.52,"end":4.4,"sentiment":"neutral","sentiment_score":-0.18322094529867172},{"text":"Sorry.","start":4.4,"end":4.88,"sentiment":"neutral","sentiment_score":-0.14589421451091766},{"text":"I I pressed the wrong button.","start":4.88,"end":6.42,"sentiment":"neutral","sentiment_score":-0.13653672486543655}],"sentiment":"neutral","sentiment_score":-0.14197030946767578,"num_words":12,"start":0.48,"end":6.42},{"sentences":[{"text":"Craig Dickinson.","start":21.625,"end":22.525,"sentiment":"neutral","sentiment_score":0.01593128591775894},{"text":"11387620 Martha Street, Bakersfield 6162.","start":23.305,"end":27.63,"sentiment":"neutral","sentiment_score":0.02326018735766411},{"text":"Yes.","start":49.625,"end":49.945,"sentiment":"neutral","sentiment_score":0.035855505615472794},{"text":"And I just like to know that all my insurances and stuff are in place and all going good.","start":49.945,"end":56.34,"sentiment":"neutral","sentiment_score":0.15518264452877797},{"text":"No worries.","start":88.619995,"end":89.1,"sentiment":"neutral","sentiment_score":0.06181791052222252}],"sentiment":"neutral","sentiment_score":0.1122801752182944,"num_words":29,"start":21.625,"end":89.1},{"sentences":[{"text":"It's been a pay increase.","start":89.1,"end":90.479996,"sentiment":"neutral","sentiment_score":0.044808629155159},{"text":"It's the only thing that sort of changed.","start":90.78,"end":92.56,"sentiment":"neutral","sentiment_score":0.05685650184750557},{"text":"About $1.85.","start":98.795006,"end":100.095,"sentiment":"neutral","sentiment_score":0.028178956359624863},{"text":"Yeah.","start":108.395004,"end":108.895004,"sentiment":"neutral","sentiment_score":0.02139938808977604},{"text":"Finally, they're coughing up the dough.","start":110.42,"end":112.52,"sentiment":"neutral","sentiment_score":-0.03080493522187074}],"sentiment":"neutral","sentiment_score":0.025991947728801857,"num_words":22,"start":89.1,"end":112.52},{"sentences":[{"text":"Yeah.","start":116.74,"end":117.24,"sentiment":"neutral","sentiment_score":0.1055714339017868},{"text":"No.","start":129.475,"end":129.875,"sentiment":"neutral","sentiment_score":-0.07449845969676971},{"text":"Just base income.","start":129.875,"end":131.095,"sentiment":"neutral","sentiment_score":-0.05055024226506551},{"text":"All the all the bonuses and what do they call it?","start":133.235,"end":137.79,"sentiment":"neutral","sentiment_score":-0.030045999552715908},{"text":"The allowances will go off your 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'7.","start":925.095,"end":926.315,"sentiment":"neutral","sentiment_score":0.18158607681592306},{"text":"Yeah.","start":932.375,"end":932.875,"sentiment":"neutral","sentiment_score":0.17692406475543976}],"sentiment":"neutral","sentiment_score":0.10925353355705739,"num_words":10,"start":918.19,"end":932.875},{"sentences":[{"text":"Yeah.","start":936.695,"end":937.195,"sentiment":"neutral","sentiment_score":0.13191093504428864},{"text":"No.","start":940.13995,"end":940.37994,"sentiment":"neutral","sentiment_score":0.03559964895248413},{"text":"Really good.","start":940.37994,"end":941.19995,"sentiment":"neutral","sentiment_score":0.20799607038497925},{"text":"I'll give it $15.","start":950.86,"end":952.72,"sentiment":"neutral","sentiment_score":-0.0060219173319637775},{"text":"Well, that's not really moving 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it?","start":980.06,"end":988.225,"sentiment":"neutral","sentiment_score":0.004481780049188629},{"text":"No.","start":1007.9,"end":1008.4,"sentiment":"neutral","sentiment_score":-0.2630758285522461}],"sentiment":"neutral","sentiment_score":0.008144460193580016,"num_words":40,"start":961.365,"end":1008.4},{"sentences":[{"text":"Not no.","start":1008.86,"end":1013.185,"sentiment":"neutral","sentiment_score":-0.10164701379835607},{"text":"We haven't had any drivers accessing it multiple times.","start":1018.045,"end":1024.56,"sentiment":"neutral","sentiment_score":-0.1822393553124534},{"text":"I did look into that, but they charge a fee for such a thing.","start":1035.68,"end":1039.2001,"sentiment":"neutral","sentiment_score":-0.07514841854572296},{"text":"So I'll just sort of know.","start":1039.2001,"end":1040.5051,"sentiment":"neutral","sentiment_score":0.025256875281532604},{"text":"I'll just keep putting in any mortgage and redraw on it where we need to.","start":1040.5051,"end":1045.805,"sentiment":"neutral","sentiment_score":0.028934852965176106}],"sentiment":"neutral","sentiment_score":-0.050216566062653845,"num_words":46,"start":1008.86,"end":1045.805},{"sentences":[{"text":"Yep.","start":1082.785,"end":1083.285,"sentiment":"neutral","sentiment_score":0.22177588939666748},{"text":"Yeah.","start":1093.96,"end":1094.46,"sentiment":"neutral","sentiment_score":0.0034493599086999893},{"text":"No.","start":1122.055,"end":1122.295,"sentiment":"neutral","sentiment_score":0.02353449165821075},{"text":"Yeah.","start":1122.295,"end":1122.615,"sentiment":"neutral","sentiment_score":0.04858094081282616},{"text":"So we're we're doing that.","start":1122.615,"end":1123.8151,"sentiment":"neutral","sentiment_score":0.0635442316532135}],"sentiment":"neutral","sentiment_score":0.06834020444916354,"num_words":9,"start":1082.785,"end":1123.8151},{"sentences":[{"text":"We've been doing that forever having we did have a few properties back then, so that's sort of good knowledge.","start":1123.8151,"end":1128.135,"sentiment":"neutral","sentiment_score":0.1711304008960724},{"text":"And we just so the money goes into the savings account, I guess.","start":1128.135,"end":1133.095,"sentiment":"neutral","sentiment_score":0.17401879338117746},{"text":"And then because of the beauty of Internet banking, these guys are all very manageable from the company home.","start":1133.095,"end":1139.66,"sentiment":"neutral","sentiment_score":0.3166224313409705},{"text":"So, yeah, then we transfer all into the mortgage with their credit card for the full month and then just pay the rate credit card off at the end of the month.","start":1140.52,"end":1147.26,"sentiment":"neutral","sentiment_score":0.17023635632358491},{"text":"Yeah.","start":1150.6001,"end":1150.935,"sentiment":"neutral","sentiment_score":0.2681010365486145}],"sentiment":"neutral","sentiment_score":0.20489815254421795,"num_words":85,"start":1123.8151,"end":1150.935},{"sentences":[{"text":"Knowing that your interest gets charged daily.","start":1151.255,"end":1154.135,"sentiment":"neutral","sentiment_score":0.17230479419231415},{"text":"So Yes.","start":1154.135,"end":1159.515,"sentiment":"neutral","sentiment_score":0.1224278062582016},{"text":"That's right.","start":1162.2151,"end":1163.035,"sentiment":"neutral","sentiment_score":0.19363978505134583},{"text":"Yeah.","start":1163.0951,"end":1163.415,"sentiment":"neutral","sentiment_score":0.227378249168396},{"text":"That's exactly right.","start":1163.415,"end":1164.6951,"sentiment":"positive","sentiment_score":0.33729784687360126}],"sentiment":"neutral","sentiment_score":0.20516936878363293,"num_words":15,"start":1151.255,"end":1164.6951},{"sentences":[{"text":"And I'll say that to a lot of people is that just because you get a credit card, it's not your money.","start":1164.6951,"end":1169.55,"sentiment":"neutral","sentiment_score":0.004322754896499893},{"text":"They're gonna want it back.","start":1169.55,"end":1170.35,"sentiment":"neutral","sentiment_score":-0.11845449060201645},{"text":"And if you don't pay it back within thirty days, they're gonna charge you.","start":1170.35,"end":1173.17,"sentiment":"neutral","sentiment_score":-0.08883341002677168},{"text":"Yeah.","start":1176.91,"end":1177.15,"sentiment":"neutral","sentiment_score":0.029691359028220177},{"text":"That's right.","start":1177.15,"end":1177.9701,"sentiment":"neutral","sentiment_score":0.04989664629101753}],"sentiment":"neutral","sentiment_score":-0.03662170304662802,"num_words":44,"start":1164.6951,"end":1177.9701},{"sentences":[{"text":"At very high interest.","start":1178.03,"end":1179.17,"sentiment":"neutral","sentiment_score":-0.07530499901622534},{"text":"No.","start":1179.31,"end":1179.4701,"sentiment":"neutral","sentiment_score":-0.12531910836696625},{"text":"That's right.","start":1179.4701,"end":1179.87,"sentiment":"neutral","sentiment_score":-0.056414080783724785},{"text":"And this is something you told me a long time ago is is the bank will never give you interest free loans except for credit cards if you paid off thirty or forty days depending on what.","start":1179.87,"end":1189.5349,"sentiment":"neutral","sentiment_score":-0.04952663450023612},{"text":"And then you get the points, which is kind of okay because I fly Qantas to work.","start":1191.6749,"end":1195.6749,"sentiment":"neutral","sentiment_score":0.11716575219350703}],"sentiment":"neutral","sentiment_score":-0.006230081233089087,"num_words":61,"start":1178.03,"end":1195.6749},{"sentences":[{"text":"So we need to skip quantas points.","start":1195.6749,"end":1197.74,"sentiment":"neutral","sentiment_score":0.0748085571186883},{"text":"So that just tops it all up nice.","start":1197.74,"end":1199.1,"sentiment":"neutral","sentiment_score":0.2746522221714258},{"text":"I've got loads of quantas points here to do it on a holiday.","start":1199.1,"end":1201.9199,"sentiment":"neutral","sentiment_score":0.2848351219525704},{"text":"No.","start":1207.5,"end":1207.6599,"sentiment":"neutral","sentiment_score":-0.002759043127298355},{"text":"No.","start":1207.6599,"end":1208.1599,"sentiment":"neutral","sentiment_score":-0.014269309118390083}],"sentiment":"neutral","sentiment_score":0.2135568636779984,"num_words":30,"start":1195.6749,"end":1208.1599},{"sentences":[{"text":"No.","start":1208.795,"end":1209.275,"sentiment":"neutral","sentiment_score":-0.01014108955860138},{"text":"We'd like quantas to work, but we still get the points for that.","start":1209.275,"end":1213.775,"sentiment":"neutral","sentiment_score":0.13370405939909127},{"text":"Yeah.","start":1218.875,"end":1219.275,"sentiment":"neutral","sentiment_score":0.20464636385440824},{"text":"Yep.","start":1219.275,"end":1219.775,"sentiment":"neutral","sentiment_score":0.24898779392242432},{"text":"Well, it's just eight perks.","start":1223.13,"end":1224.57,"sentiment":"positive","sentiment_score":0.39307643175125123}],"sentiment":"neutral","sentiment_score":0.19747752376965114,"num_words":21,"start":1208.795,"end":1224.57},{"sentences":[{"text":"Yeah.","start":1224.57,"end":1225.07,"sentiment":"neutral","sentiment_score":0.23080472648143768},{"text":"Yeah.","start":1229.69,"end":1230.19,"sentiment":"neutral","sentiment_score":0.05737913399934769},{"text":"We dropped it down to 6,000.","start":1235.125,"end":1236.985,"sentiment":"neutral","sentiment_score":0.07948924290637176},{"text":"You see it 10,000 or we just dropped it at 6,000 because it it was a bit easy to because it's a really good reminder that we were running out.","start":1238.245,"end":1248.93,"sentiment":"neutral","sentiment_score":0.1847919210791588},{"text":"Oh, you nearly out of this month's because then you just chuck more in there.","start":1249.3301,"end":1253.0901,"sentiment":"neutral","sentiment_score":0.023545950278639795}],"sentiment":"neutral","sentiment_score":0.12569936234855428,"num_words":53,"start":1224.57,"end":1253.0901},{"sentences":[{"text":"It's all we never go over.","start":1253.0901,"end":1255.1101,"sentiment":"neutral","sentiment_score":-0.009419944602996111},{"text":"Yeah.","start":1260.6901,"end":1261.1901,"sentiment":"neutral","sentiment_score":0.035679593682289124},{"text":"Yep.","start":1261.405,"end":1261.565,"sentiment":"neutral","sentiment_score":0.03199978917837143},{"text":"$10 was probably better when we're both working.","start":1261.565,"end":1263.745,"sentiment":"neutral","sentiment_score":0.04448913736268878},{"text":"But now with just one of us working, we just drop it down to 6,000 just to pull the reins up when, you know, it's a good reminder.","start":1265.245,"end":1273.425,"sentiment":"neutral","sentiment_score":0.07212040107697248}],"sentiment":"neutral","sentiment_score":0.05423736464316872,"num_words":44,"start":1253.0901,"end":1273.425},{"sentences":[{"text":"Pull the reins.","start":1273.565,"end":1274.465,"sentiment":"neutral","sentiment_score":-0.012110726597408453},{"text":"Yep.","start":1277.52,"end":1278.02,"sentiment":"neutral","sentiment_score":0.09867382049560548},{"text":"No.","start":1298.4751,"end":1298.875,"sentiment":"neutral","sentiment_score":-0.06531340628862381},{"text":"No.","start":1298.875,"end":1299.375,"sentiment":"neutral","sentiment_score":-0.05707031488418579},{"text":"No.","start":1328.3351,"end":1328.8351,"sentiment":"neutral","sentiment_score":-0.1004357561469078}],"sentiment":"neutral","sentiment_score":-0.02292540523090533,"num_words":7,"start":1273.565,"end":1328.8351},{"sentences":[{"text":"Should we do it?","start":1330.67,"end":1337.74,"sentiment":"neutral","sentiment_score":0.039160202257335186},{"text":"Correct.","start":1357.02,"end":1357.18,"sentiment":"neutral","sentiment_score":0.14462372660636902},{"text":"Correct.","start":1357.18,"end":1357.68,"sentiment":"neutral","sentiment_score":0.15410546958446503},{"text":"Yep.","start":1370.86,"end":1371.36,"sentiment":"neutral","sentiment_score":0.20565566420555115},{"text":"Well, Right.","start":1371.5801,"end":1378.1549,"sentiment":"neutral","sentiment_score":0.19611810147762299}],"sentiment":"neutral","sentiment_score":0.1170290969312191,"num_words":9,"start":1330.67,"end":1378.1549},{"sentences":[{"text":"Well, that's probably have been too fast about it.","start":1417.29,"end":1419.6101,"sentiment":"neutral","sentiment_score":-0.2669672512759765},{"text":"Probably could do it, but they just say the house is joint owned and the cars, you know, it's it's 2,010.","start":1419.6101,"end":1426.89,"sentiment":"neutral","sentiment_score":-0.04280352716644605},{"text":"It's probably only worth $25.","start":1426.89,"end":1429.2101,"sentiment":"neutral","sentiment_score":-0.04159236997365952},{"text":"I'm sure it's not gonna take that long to work that out.","start":1429.2101,"end":1431.735,"sentiment":"neutral","sentiment_score":-0.12657536193728447},{"text":"I might I've proven wrong and I won't be here to worry about it.","start":1431.975,"end":1437.095,"sentiment":"neutral","sentiment_score":-0.15098934274699008}],"sentiment":"neutral","sentiment_score":-0.11708682497627422,"num_words":61,"start":1417.29,"end":1437.095},{"sentences":[{"text":"But if I was to target and the car, I guess, the only thing that's in my name, but that's only, you know, it's an old Prado now.","start":1437.095,"end":1447.11,"sentiment":"neutral","sentiment_score":-0.11241564766636916},{"text":"It's not like a we can go down the line and find a $160 Land Cruiser, so I wouldn't call it a massive asset by any stretch.","start":1447.11,"end":1457.61,"sentiment":"neutral","sentiment_score":-0.16909300218577739},{"text":"Yeah.","start":1468.105,"end":1468.605,"sentiment":"neutral","sentiment_score":0.2202787697315216},{"text":"Gotcha.","start":1478.36,"end":1478.86,"sentiment":"neutral","sentiment_score":-0.10428106039762496},{"text":"Yeah.","start":1484.36,"end":1484.86,"sentiment":"neutral","sentiment_score":-0.05071243271231651}],"sentiment":"neutral","sentiment_score":-0.13185972270780597,"num_words":58,"start":1437.095,"end":1484.86},{"sentences":[{"text":"Okay.","start":1496.095,"end":1496.595,"sentiment":"neutral","sentiment_score":0.0030264146625995636},{"text":"Yes.","start":1499.98,"end":1500.48,"sentiment":"neutral","sentiment_score":0.07290271669626236},{"text":"Yep.","start":1521.115,"end":1521.615,"sentiment":"neutral","sentiment_score":0.23502179980278015},{"text":"It's probably something we should do.","start":1533.79,"end":1535.39,"sentiment":"neutral","sentiment_score":0.07751644526918729},{"text":"I probably said that last time when I said to you guys and probably something we should do, but 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know.","start":1789.35,"end":1797.05,"sentiment":"neutral","sentiment_score":-0.1486120124657949},{"text":"Oh.","start":1800.23,"end":1800.73,"sentiment":"neutral","sentiment_score":0.04552970826625824},{"text":"Yes.","start":1800.87,"end":1801.37,"sentiment":"neutral","sentiment_score":0.08881140500307083}],"sentiment":"neutral","sentiment_score":-0.052428092541439195,"num_words":21,"start":1781.855,"end":1801.37},{"sentences":[{"text":"Yeah.","start":1814.5751,"end":1815.0751,"sentiment":"neutral","sentiment_score":0.1091749370098114},{"text":"I guess the the question that I will ask when we get to it I'll just ask it now.","start":1820.4401,"end":1824.52,"sentiment":"neutral","sentiment_score":0.05888992214673444},{"text":"Just the things with the with the with the pay rise, should I put more will it make much more than my take home if I donate more to my super?","start":1824.52,"end":1832.9401,"sentiment":"neutral","sentiment_score":0.08426095365035918},{"text":"Well, one 100 and 90 is the next bracket, isn't it?","start":1835.115,"end":1838.7151,"sentiment":"neutral","sentiment_score":-0.00863542306152257},{"text":"I think I read a million.","start":1838.7151,"end":1840.015,"sentiment":"neutral","sentiment_score":-0.04492021010567745}],"sentiment":"neutral","sentiment_score":0.05111267803894246,"num_words":68,"start":1814.5751,"end":1840.015},{"sentences":[{"text":"Yeah.","start":1842.3151,"end":1842.555,"sentiment":"neutral","sentiment_score":0.08059591799974442},{"text":"Once I get a 190, then it goes up to, like, 70%.","start":1842.555,"end":1845.8551,"sentiment":"neutral","sentiment_score":0.08943952930470307},{"text":"Yep.","start":1869.0651,"end":1869.545,"sentiment":"neutral","sentiment_score":-0.026671355590224263},{"text":"Oh, so what's what's below?","start":1869.545,"end":1870.8251,"sentiment":"neutral","sentiment_score":0.007938468642532826},{"text":"A 100 and 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home?","start":2038.075,"end":2050.27,"sentiment":"neutral","sentiment_score":0.13809076644653498},{"text":"Yep.","start":2060.2551,"end":2060.7551,"sentiment":"neutral","sentiment_score":0.24190255999565125}],"sentiment":"neutral","sentiment_score":0.14267412615272235,"num_words":53,"start":2029.595,"end":2060.7551},{"sentences":[{"text":"Yep.","start":2061.0552,"end":2061.5552,"sentiment":"neutral","sentiment_score":0.25357896089553833},{"text":"Yep.","start":2075.95,"end":2076.45,"sentiment":"neutral","sentiment_score":0.25507766008377075},{"text":"Yep.","start":2079.71,"end":2080.21,"sentiment":"neutral","sentiment_score":0.2405376434326172},{"text":"Uh-huh.","start":2089.4749,"end":2089.9749,"sentiment":"neutral","sentiment_score":0.07676908373832703},{"text":"Yep.","start":2108.09,"end":2108.59,"sentiment":"neutral","sentiment_score":0.16588489711284635}],"sentiment":"neutral","sentiment_score":0.19836964905261995,"num_words":5,"start":2061.0552,"end":2108.59},{"sentences":[{"text":"That's right.","start":2117.7349,"end":2118.535,"sentiment":"neutral","sentiment_score":-0.0038681933656334877},{"text":"Because there's a risk.","start":2118.535,"end":2119.6548,"sentiment":"neutral","sentiment_score":-0.06286005489528179},{"text":"That's right.","start":2119.6548,"end":2120.555,"sentiment":"neutral","sentiment_score":-0.015418676659464836},{"text":"So 15 grand, we're not really willing to risk that.","start":2120.9348,"end":2124.81,"sentiment":"neutral","sentiment_score":-0.10723981186747551},{"text":"The 6% is offsetting is is good enough.","start":2124.81,"end":2127.6301,"sentiment":"neutral","sentiment_score":0.04748730221763253}],"sentiment":"neutral","sentiment_score":-0.03778898694480841,"num_words":26,"start":2117.7349,"end":2127.6301},{"sentences":[{"text":"Yeah.","start":2130.8901,"end":2131.2102,"sentiment":"neutral","sentiment_score":0.000470941886305809},{"text":"Yeah.","start":2131.2102,"end":2131.53,"sentiment":"neutral","sentiment_score":0.013867806643247604},{"text":"If you've made a speculative thing and it made a 100% increase, that'd be great.","start":2131.53,"end":2138.09,"sentiment":"neutral","sentiment_score":0.04712456756581863},{"text":"But I'm afraid of the markets at the moment with the the work current world, the stuff that's happening in the world.","start":2138.09,"end":2147.0251,"sentiment":"negative","sentiment_score":-0.34376517920331523},{"text":"I don't have a lot of faith.","start":2148.365,"end":2149.405,"sentiment":"negative","sentiment_score":-0.3984899946621486}],"sentiment":"neutral","sentiment_score":-0.20937079658893787,"num_words":46,"start":2130.8901,"end":2149.405},{"sentences":[{"text":"I'll be I'm old enough to remember 2010 and, like, 2016 was a 2016 was a bit of a bad year.","start":2149.405,"end":2157.66,"sentiment":"neutral","sentiment_score":-0.21678843970100084},{"text":"Yeah.","start":2179.645,"end":2180.045,"sentiment":"neutral","sentiment_score":0.01192936673760414},{"text":"Yeah.","start":2180.045,"end":2180.285,"sentiment":"neutral","sentiment_score":0.0186165738850832},{"text":"They still are.","start":2180.285,"end":2181.265,"sentiment":"neutral","sentiment_score":0.02194253293176492},{"text":"Yep.","start":2194.3499,"end":2194.8499,"sentiment":"neutral","sentiment_score":0.2291613072156906}],"sentiment":"neutral","sentiment_score":-0.1565563847069387,"num_words":27,"start":2149.405,"end":2194.8499},{"sentences":[{"text":"Yep.","start":2204.105,"end":2204.605,"sentiment":"neutral","sentiment_score":-0.11352010816335678},{"text":"Exactly.","start":2208.265,"end":2208.765,"sentiment":"neutral","sentiment_score":0.15129593014717102},{"text":"That's all.","start":2226.0251,"end":2226.7651,"sentiment":"neutral","sentiment_score":0.12147963047027588},{"text":"There we go.","start":2234.8252,"end":2235.725,"sentiment":"neutral","sentiment_score":0.06852317228913307},{"text":"No.","start":2249.3198,"end":2249.8198,"sentiment":"neutral","sentiment_score":-0.12901197373867035}],"sentiment":"neutral","sentiment_score":0.04466157825663686,"num_words":8,"start":2204.105,"end":2249.8198},{"sentences":[{"text":"Yeah.","start":2267.23,"end":2267.31,"sentiment":"neutral","sentiment_score":0.0004861168563365936},{"text":"I just wanna make sure.","start":2267.31,"end":2268.6902,"sentiment":"neutral","sentiment_score":-0.0096392922103405},{"text":"Last discussions we had, I don't think it was you particularly, but with Oakview, they they sort of considered dropping my life insurance for getting older.","start":2269.07,"end":2279.47,"sentiment":"neutral","sentiment_score":-0.12397317244456364},{"text":"You know?","start":2279.47,"end":2280.1301,"sentiment":"neutral","sentiment_score":-0.09913837537169456},{"text":"If I was the car, I want to know that my wife, at least, has loads of loads of money to I think it's a million dollars maybe.","start":2280.815,"end":2289.795,"sentiment":"neutral","sentiment_score":-0.11573315465024539}],"sentiment":"neutral","sentiment_score":-0.10822286949523034,"num_words":62,"start":2267.23,"end":2289.795},{"sentences":[{"text":"The life payout.","start":2291.375,"end":2292.4348,"sentiment":"neutral","sentiment_score":-0.09532917042573293},{"text":"Because what have I got?","start":2300.69,"end":2301.41,"sentiment":"neutral","sentiment_score":-0.08490134477615356},{"text":"I got life, t p and d, and income protection, I think.","start":2301.41,"end":2305.67,"sentiment":"neutral","sentiment_score":0.0017393411447604497},{"text":"I just wanna make sure they're they're all in place and where they fit.","start":2306.0498,"end":2309.1099,"sentiment":"neutral","sentiment_score":0.25792912779642},{"text":"How much it's costing me and what do they all get out or or the family gets out of it.","start":2309.975,"end":2316.075,"sentiment":"neutral","sentiment_score":0.012470233999192715}],"sentiment":"neutral","sentiment_score":0.05871833940209062,"num_words":54,"start":2291.375,"end":2316.075},{"sentences":[{"text":"Just just just hold it for a minute.","start":2329.68,"end":2332.0,"sentiment":"neutral","sentiment_score":0.03513201745226979},{"text":"I'll just get a pen and paper.","start":2332.0,"end":2333.6199,"sentiment":"neutral","sentiment_score":0.02681398977126394},{"text":"Oh, yeah.","start":2336.4,"end":2337.22,"sentiment":"neutral","sentiment_score":0.024431160651147366},{"text":"Finance.","start":2359.5798,"end":2360.0798,"sentiment":"neutral","sentiment_score":-0.009743710979819298},{"text":"So I'll just drop this down.","start":2362.715,"end":2363.7551,"sentiment":"neutral","sentiment_score":-0.04539624570558468}],"sentiment":"neutral","sentiment_score":0.009812300171082219,"num_words":24,"start":2329.68,"end":2363.7551},{"sentences":[{"text":"Sorry.","start":2363.7551,"end":2364.155,"sentiment":"neutral","sentiment_score":-0.07491447031497955},{"text":"$2.47 in super.","start":2364.155,"end":2365.855,"sentiment":"neutral","sentiment_score":0.052225341399510704},{"text":"Okay.","start":2368.555,"end":2369.055,"sentiment":"neutral","sentiment_score":0.0301702544093132},{"text":"Lost.","start":2370.475,"end":2370.975,"sentiment":"neutral","sentiment_score":-0.028264174237847328},{"text":"Yeah.","start":2384.6501,"end":2385.1501,"sentiment":"neutral","sentiment_score":0.0017462465912103653}],"sentiment":"neutral","sentiment_score":0.012201982949461256,"num_words":7,"start":2363.7551,"end":2385.1501},{"sentences":[{"text":"Yep.","start":2397.9248,"end":2398.4248,"sentiment":"neutral","sentiment_score":0.02901614271104336},{"text":"Yes.","start":2406.2449,"end":2406.7449,"sentiment":"neutral","sentiment_score":0.050114672631025314},{"text":"Okay.","start":2414.41,"end":2414.91,"sentiment":"neutral","sentiment_score":0.0353456512093544},{"text":"Ninety day waiting period 13,900 per month.","start":2438.78,"end":2448.8801,"sentiment":"neutral","sentiment_score":-0.0009453270717390948},{"text":"Something's changed there, which I'll probably just leave it the same.","start":2453.185,"end":2457.505,"sentiment":"neutral","sentiment_score":-0.04411418871446089}],"sentiment":"neutral","sentiment_score":-0.017971280895705734,"num_words":21,"start":2397.9248,"end":2457.505},{"sentences":[{"text":"But so the re the reason I put the ninety day waiting period in is because it dropped the the premium a bit.","start":2457.505,"end":2467.81,"sentiment":"neutral","sentiment_score":-0.12555024125005887},{"text":"But work now so what you probably didn't hear about it.","start":2468.51,"end":2473.23,"sentiment":"neutral","sentiment_score":-0.08775158091024919},{"text":"So work used to have a great sick leave policy that you used to have two, three days a year or about thereabouts, which once you on a on a eight and six roster, that's about three months.","start":2473.23,"end":2484.645,"sentiment":"neutral","sentiment_score":0.009574608938572439},{"text":"And then they would drop you down to your base pay without all your side allowances.","start":2485.185,"end":2489.285,"sentiment":"neutral","sentiment_score":-0.016516955103725195},{"text":"So they realized that, oh my gosh, everyone's just bludging and, you know, we're really short on workers at work.","start":2490.945,"end":2497.46,"sentiment":"negative","sentiment_score":-0.3435303200036287}],"sentiment":"neutral","sentiment_score":-0.09837005074843075,"num_words":108,"start":2457.505,"end":2497.46},{"sentences":[{"text":"So they've now changed it to fifteen six six days a year.","start":2499.92,"end":2504.9,"sentiment":"neutral","sentiment_score":-0.018096645052234333},{"text":"And but you in case of serious illness or injury, you get twelve months at full pay.","start":2506.835,"end":2514.055,"sentiment":"neutral","sentiment_score":-0.04445181480225395},{"text":"So if I was to break my leg, get some disease or or whatever where I'm not able to work, they will now pay me my full wage for twelve months as opposed to the three months at full pay and then drop you down to a base salary.","start":2519.84,"end":2536.035,"sentiment":"neutral","sentiment_score":-0.02569368329583382},{"text":"So I'd probably keep that the same just for but the one thing, yeah, I wanna know is how much these are costing me, the premiums for both both the last dividend income and whether changing things affects the premium that much.","start":2539.2148,"end":2559.06,"sentiment":"neutral","sentiment_score":0.009387195287715821},{"text":"It won't help it won't help us on battling cancers without use.","start":2601.27,"end":2604.73,"sentiment":"neutral","sentiment_score":-0.32896973192691803}],"sentiment":"neutral","sentiment_score":-0.0438273155666662,"num_words":132,"start":2499.92,"end":2604.73},{"sentences":[{"text":"Yeah.","start":2608.31,"end":2608.81,"sentiment":"neutral","sentiment_score":-0.04512973874807358},{"text":"Yep.","start":2627.775,"end":2628.275,"sentiment":"neutral","sentiment_score":-0.05484975874423981},{"text":"Is there any can like, I mean, how does that what is that?","start":2629.35,"end":2631.9102,"sentiment":"neutral","sentiment_score":-0.21506919539891756},{"text":"Is that any cancer, any trauma?","start":2631.9102,"end":2634.1501,"sentiment":"neutral","sentiment_score":-0.18898405134677887},{"text":"So I I fell off a ladder and snapped my pill.","start":2634.1501,"end":2638.7102,"sentiment":"negative","sentiment_score":-0.421400170434605}],"sentiment":"neutral","sentiment_score":-0.27078703814186156,"num_words":32,"start":2608.31,"end":2638.7102},{"sentences":[{"text":"I don't know.","start":2638.7102,"end":2639.27,"sentiment":"negative","sentiment_score":-0.38888811071713764},{"text":"You know, just plucking things out of the is it trauma like that?","start":2639.27,"end":2642.3901,"sentiment":"negative","sentiment_score":-0.39439483560048616},{"text":"Is it I don't know.","start":2642.3901,"end":2677.2148,"sentiment":"neutral","sentiment_score":-0.12010961621999741},{"text":"And is that sort of do do they if you if I'm out on a jet not that I rode a jet ski, but if I'm out of jet ski, and do they, like, spray out upon on that, I guess, as opposed to me doing day to day or as opposed to an extreme sport kind of things?","start":2677.835,"end":2692.73,"sentiment":"neutral","sentiment_score":-0.0335157788753257},{"text":"Not that I'm a jet skier.","start":2693.9102,"end":2695.61,"sentiment":"neutral","sentiment_score":-0.17162664979696274}],"sentiment":"neutral","sentiment_score":-0.11513414102888038,"num_words":86,"start":2638.7102,"end":2695.61},{"sentences":[{"text":"Oh, okay.","start":2702.205,"end":2702.845,"sentiment":"neutral","sentiment_score":0.10044946521520615},{"text":"It's good to know.","start":2702.845,"end":2705.185,"sentiment":"neutral","sentiment_score":0.15576359955593944},{"text":"Gotcha.","start":2711.85,"end":2712.35,"sentiment":"neutral","sentiment_score":-0.08033271878957748},{"text":"Gotcha.","start":2719.7476,"end":2720.2476,"sentiment":"neutral","sentiment_score":-0.2260955274105072},{"text":"Yep.","start":2745.3901,"end":2745.8901,"sentiment":"neutral","sentiment_score":-0.042760491371154785}],"sentiment":"neutral","sentiment_score":0.05275162123143673,"num_words":9,"start":2702.205,"end":2745.8901},{"sentences":[{"text":"No prob.","start":2770.36,"end":2771.02,"sentiment":"neutral","sentiment_score":0.023542463779449463},{"text":"1,800 and nine six per year.","start":2784.135,"end":2791.595,"sentiment":"neutral","sentiment_score":-0.00471506438528498},{"text":"That's not that much.","start":2793.095,"end":2793.775,"sentiment":"neutral","sentiment_score":-0.14005495607852936},{"text":"I thought it was more than that for some reason.","start":2793.775,"end":2795.595,"sentiment":"neutral","sentiment_score":-0.15450295582413673},{"text":"Because because I work with explosives, that's always been a thing.","start":2801.38,"end":2804.8198,"sentiment":"neutral","sentiment_score":-0.08093912730162794}],"sentiment":"neutral","sentiment_score":-0.09020561338261221,"num_words":33,"start":2770.36,"end":2804.8198},{"sentences":[{"text":"But does my new job, because I'm less actually dealing with explosives, that changed at all?","start":2804.8198,"end":2810.44,"sentiment":"neutral","sentiment_score":-0.1217679176479578},{"text":"Was that a and p?","start":2841.9448,"end":2843.2449,"sentiment":"neutral","sentiment_score":-0.03053451217710972},{"text":"Yeah.","start":2846.905,"end":2847.405,"sentiment":"neutral","sentiment_score":-0.004827435128390789},{"text":"Yeah.","start":2888.1902,"end":2888.4302,"sentiment":"neutral","sentiment_score":-0.07965726405382156},{"text":"That's right.","start":2888.4302,"end":2889.23,"sentiment":"neutral","sentiment_score":-0.21075859665870667}],"sentiment":"neutral","sentiment_score":-0.10427844543009997,"num_words":25,"start":2804.8198,"end":2889.23},{"sentences":[{"text":"Because I used to get all these phone calls from these random laughing serious people.","start":2889.23,"end":2897.0552,"sentiment":"neutral","sentiment_score":-0.16715230097373326},{"text":"And then you only have to say the word explosives and they just hang up on you.","start":2897.3552,"end":2900.895,"sentiment":"neutral","sentiment_score":-0.14775289770434885},{"text":"Yep.","start":2904.5552,"end":2905.0552,"sentiment":"neutral","sentiment_score":0.02903931401669979},{"text":"Gotcha.","start":2927.515,"end":2928.015,"sentiment":"neutral","sentiment_score":-0.04650502651929855},{"text":"But in saying that 1,000 eight 100 a year is instead of my service, it is less than I thought.","start":2931.675,"end":2938.29,"sentiment":"neutral","sentiment_score":-0.200769854336977}],"sentiment":"neutral","sentiment_score":-0.16762864027448274,"num_words":54,"start":2889.23,"end":2938.29},{"sentences":[{"text":"So that's yeah.","start":2940.83,"end":2942.93,"sentiment":"neutral","sentiment_score":-0.028865943973263104},{"text":"It's been months, ain't it?","start":2977.23,"end":2978.6099,"sentiment":"neutral","sentiment_score":-0.1727738305926323},{"text":"And what's that?","start":2981.115,"end":2981.7551,"sentiment":"neutral","sentiment_score":-0.01579927373677492},{"text":"Are you?","start":2981.7551,"end":2985.335,"sentiment":"neutral","sentiment_score":-0.009103818330913782},{"text":"I have the year of the day access to a calculator.","start":2987.915,"end":2990.2651,"sentiment":"neutral","sentiment_score":-0.010268103669990192}],"sentiment":"neutral","sentiment_score":-0.04704256596354147,"num_words":24,"start":2940.83,"end":2990.2651},{"sentences":[{"text":"Yep.","start":3002.05,"end":3002.29,"sentiment":"neutral","sentiment_score":-0.0005028111627325416},{"text":"Those numbers aren't as big as I thought they were.","start":3002.29,"end":3004.71,"sentiment":"neutral","sentiment_score":-0.24880216270685196},{"text":"You know, and and it's with any luck, my health holds down.","start":3011.865,"end":3016.265,"sentiment":"neutral","sentiment_score":-0.2864440909276406},{"text":"It's a complete waste of money.","start":3016.265,"end":3017.545,"sentiment":"negative","sentiment_score":-0.6743496954441071},{"text":"But if it doesn't hold out and then they'll get crook, I'm sure I'll be very happy with it.","start":3017.545,"end":3022.605,"sentiment":"neutral","sentiment_score":-0.10114144612299769}],"sentiment":"neutral","sentiment_score":-0.2477841495492612,"num_words":48,"start":3002.05,"end":3022.605},{"sentences":[{"text":"Well, I think so.","start":3031.76,"end":3032.98,"sentiment":"neutral","sentiment_score":0.1730923093855381},{"text":"Just because those numbers are pretty numbers pretty good.","start":3034.8,"end":3037.04,"sentiment":"positive","sentiment_score":0.39477014707194436},{"text":"If whatever happens and I get 3 100 and 80 $18, then I'm sure that's gonna come in handy.","start":3037.04,"end":3042.9849,"sentiment":"neutral","sentiment_score":0.2846807366923282},{"text":"And if I cut it, I'm sure the 1.5 is the waffle we have here with that.","start":3043.845,"end":3048.105,"sentiment":"neutral","sentiment_score":0.3068037120734944},{"text":"Yeah.","start":3055.27,"end":3055.77,"sentiment":"neutral","sentiment_score":0.06405211985111237}],"sentiment":"neutral","sentiment_score":0.2986789956688881,"num_words":50,"start":3031.76,"end":3055.77},{"sentences":[{"text":"Yeah.","start":3073.6748,"end":3074.1748,"sentiment":"neutral","sentiment_score":0.006485373713076115},{"text":"Oh, so so I'm paying for $13.09 $0.09 per month in in the in the case of income protection, but then they're gonna give me $11.","start":3094.59,"end":3105.105,"sentiment":"neutral","sentiment_score":-0.01974359158283243},{"text":"Probably paying two months for that one the whole time ever.","start":3116.74,"end":3119.8,"sentiment":"negative","sentiment_score":-0.40556900338693097},{"text":"Yeah.","start":3152.0298,"end":3152.5298,"sentiment":"neutral","sentiment_score":-0.15089207887649536},{"text":"I have a fair bit of confidence that at least work's gonna pay me pay me a minimum of one year so that that'll be you can double dip.","start":3170.0498,"end":3178.0498,"sentiment":"neutral","sentiment_score":0.2989476066211174}],"sentiment":"neutral","sentiment_score":0.05221296277116327,"num_words":68,"start":3073.6748,"end":3178.0498},{"sentences":[{"text":"Okay.","start":3178.0498,"end":3178.5498,"sentiment":"neutral","sentiment_score":-0.0653635561466217},{"text":"They they don't so income protection, so I I fall over and break my pelvis.","start":3178.69,"end":3185.115,"sentiment":"negative","sentiment_score":-0.3937654624382655},{"text":"I like to pay break pelvis rather than something I'm gonna die from.","start":3185.7349,"end":3189.755,"sentiment":"neutral","sentiment_score":-0.1893909567823777},{"text":"Break my pelvis, they're gonna pay me 75% of the wage.","start":3191.7349,"end":3196.2,"sentiment":"neutral","sentiment_score":-0.04164339048756202},{"text":"So it was 11 and a half grand or whatever you said.","start":3196.2,"end":3199.02,"sentiment":"neutral","sentiment_score":-0.03252185943226019}],"sentiment":"neutral","sentiment_score":-0.17850514498926573,"num_words":52,"start":3178.0498,"end":3199.02},{"sentences":[{"text":"Plus work will still pay me for at least one year.","start":3200.04,"end":3203.02,"sentiment":"neutral","sentiment_score":0.20635795931924472},{"text":"And that that that Oh, really?","start":3203.8,"end":3215.155,"sentiment":"neutral","sentiment_score":0.005050430695215861},{"text":"Oh, you can't double dip on that one.","start":3220.895,"end":3222.8352,"sentiment":"neutral","sentiment_score":-0.09750254033133388},{"text":"I was under the assumption you could double dip.","start":3223.5352,"end":3225.73,"sentiment":"neutral","sentiment_score":-0.25234752727879417},{"text":"No.","start":3230.27,"end":3230.5898,"sentiment":"neutral","sentiment_score":-0.2089458554983139}],"sentiment":"neutral","sentiment_score":-0.02742439391357558,"num_words":35,"start":3200.04,"end":3230.5898},{"sentences":[{"text":"I understand the work cover.","start":3230.5898,"end":3232.13,"sentiment":"neutral","sentiment_score":-0.2089656859636307},{"text":"Oh, Well, so so in saying that, should I pump out the ninety day waiting period to to one year waiting period?","start":3234.3499,"end":3258.75,"sentiment":"neutral","sentiment_score":-0.09208692881194028},{"text":"Because I have confidence that my work will pay me for a year, and that that should reduce my pay with it.","start":3258.81,"end":3265.575,"sentiment":"neutral","sentiment_score":-0.08639999106526375},{"text":"Interesting.","start":3314.7,"end":3315.2,"sentiment":"neutral","sentiment_score":0.0821981132030487},{"text":"Yes.","start":3325.2551,"end":3325.7551,"sentiment":"neutral","sentiment_score":0.18184560537338257}],"sentiment":"neutral","sentiment_score":-0.09230386173608256,"num_words":51,"start":3230.5898,"end":3325.7551},{"sentences":[{"text":"Yeah.","start":3331.55,"end":3331.79,"sentiment":"neutral","sentiment_score":0.01960175111889839},{"text":"I'm pretty confident that they've it's a fairly rash decision to change your sick leave from fifty days to fifteen.","start":3331.79,"end":3338.93,"sentiment":"neutral","sentiment_score":-0.15948456563055516},{"text":"A lot of disgruntled employees there, but it's, yeah, set in stone now that they wanna go back.","start":3339.55,"end":3345.09,"sentiment":"neutral","sentiment_score":-0.23296894795364803},{"text":"Because that's that's the industry or actually, they're even above industry standard.","start":3350.075,"end":3353.435,"sentiment":"neutral","sentiment_score":0.025991472027574975},{"text":"Industry standard 10 days a year, I think, like, that leaves I've slipped another five days in there.","start":3353.435,"end":3359.375,"sentiment":"neutral","sentiment_score":-0.10653426301562124}],"sentiment":"neutral","sentiment_score":-0.1299891260088138,"num_words":69,"start":3331.55,"end":3359.375},{"sentences":[{"text":"Yep.","start":3365.88,"end":3366.38,"sentiment":"neutral","sentiment_score":-0.01784280315041542},{"text":"See how we go because, like I said, that 1,800 a year coming in with a super to pay for that and life isn't as scary as what I thought it was.","start":3375.2048,"end":3382.905,"sentiment":"neutral","sentiment_score":-0.2065727540757507},{"text":"Yeah.","start":3385.9248,"end":3386.2449,"sentiment":"neutral","sentiment_score":0.02519736811518669},{"text":"That's right.","start":3386.2449,"end":3387.045,"sentiment":"neutral","sentiment_score":0.0986160896718502},{"text":"Exactly.","start":3387.045,"end":3387.545,"sentiment":"neutral","sentiment_score":0.1345355063676834}],"sentiment":"neutral","sentiment_score":-0.16949205080399643,"num_words":37,"start":3365.88,"end":3387.545},{"sentences":[{"text":"Yeah.","start":3411.0952,"end":3411.5952,"sentiment":"positive","sentiment_score":0.3426741659641266},{"text":"Yeah.","start":3413.94,"end":3414.18,"sentiment":"neutral","sentiment_score":0.08455799520015717},{"text":"And and maybe we need to sort that wheel out because, I mean, the only other thing is the kids.","start":3414.18,"end":3417.7,"sentiment":"neutral","sentiment_score":-0.028788547776639462},{"text":"So if we both cock it, then just leave everything kids, but I don't know how automatic that'll or does that get sticky if we're in a plane accident or a car accident and we both cock it?","start":3417.7,"end":3427.7651,"sentiment":"neutral","sentiment_score":-0.1813811169643151},{"text":"Is it as simple as that or is that where without a wheel gets a bit tricky tricky?","start":3428.0652,"end":3432.885,"sentiment":"neutral","sentiment_score":-0.11215762690537506}],"sentiment":"neutral","sentiment_score":-0.11615203235011834,"num_words":78,"start":3411.0952,"end":3432.885},{"sentences":[{"text":"Oh, that'll fit Catamax with Pigeons.","start":3458.875,"end":3460.715,"sentiment":"neutral","sentiment_score":0.025294821709394455},{"text":"They already fought over everything.","start":3460.715,"end":3462.175,"sentiment":"neutral","sentiment_score":-0.2813419282436371},{"text":"Probably we've probably I see where the wheel kicks in now because we've got an executive, which should be the brother-in-law.","start":3493.96,"end":3498.46,"sentiment":"neutral","sentiment_score":-0.15447713390347503},{"text":"He's a sensible guy and a bit younger than us.","start":3498.6,"end":3503.1602,"sentiment":"neutral","sentiment_score":0.0012985862791538253},{"text":"So, I mean, I can put my mom or the wife's mom, but she's about getting too old for such a gig.","start":3503.1602,"end":3509.5,"sentiment":"neutral","sentiment_score":-0.23127988217906517}],"sentiment":"neutral","sentiment_score":-0.14959581356379203,"num_words":64,"start":3458.875,"end":3509.5},{"sentences":[{"text":"So I spoke to brother-in-law to the sensible one as an executor, and he could he he's we I don't confidence that he'd make the right decision in such a case.","start":3510.4949,"end":3519.9548,"sentiment":"neutral","sentiment_score":-0.28052517375157726},{"text":"Right.","start":3569.625,"end":3570.125,"sentiment":"neutral","sentiment_score":0.03538889437913895},{"text":"That'd be the also the brother-in-law, but and they they live in Bali, and they got three young kids.","start":3571.145,"end":3576.345,"sentiment":"neutral","sentiment_score":0.10674247351524077},{"text":"They get along because the cousins are great.","start":3576.345,"end":3578.445,"sentiment":"positive","sentiment_score":0.5136047713458538},{"text":"It's all very it's all very because they wanna move back to WA anyway, I think.","start":3578.71,"end":3584.95,"sentiment":"neutral","sentiment_score":0.19927900843322277}],"sentiment":"neutral","sentiment_score":0.008860237474242846,"num_words":75,"start":3510.4949,"end":3584.95},{"sentences":[{"text":"So that that would probably cool.","start":3584.95,"end":3586.31,"sentiment":"neutral","sentiment_score":0.2672724078098933},{"text":"We'll look after the kids when we're moving into your house.","start":3586.31,"end":3588.57,"sentiment":"neutral","sentiment_score":0.21823002668944272},{"text":"And then it'd be a madhouse because there'd be five kids here, but they can do it with it.","start":3589.6702,"end":3594.1702,"sentiment":"neutral","sentiment_score":0.05696833435151922},{"text":"Yeah.","start":3602.125,"end":3602.365,"sentiment":"neutral","sentiment_score":0.046964146196842194},{"text":"And so then then you'll be oh, jeez.","start":3602.365,"end":3604.285,"sentiment":"neutral","sentiment_score":0.04038285370916128}],"sentiment":"neutral","sentiment_score":0.12125755708871616,"num_words":45,"start":3584.95,"end":3604.285},{"sentences":[{"text":"Thank god you did the shed out.","start":3604.285,"end":3606.125,"sentiment":"neutral","sentiment_score":0.11128160676785878},{"text":"There's a bit of a granny flat.","start":3606.125,"end":3607.6648,"sentiment":"neutral","sentiment_score":-0.09695826790162496},{"text":"You found me out there a bit.","start":3608.2,"end":3609.74,"sentiment":"neutral","sentiment_score":0.010010239801236562},{"text":"Yep.","start":3610.52,"end":3611.02,"sentiment":"neutral","sentiment_score":0.002440309850499034},{"text":"Oh, so does that sort of supersede a wheel as far as the super is concerned?","start":3628.085,"end":3631.945,"sentiment":"neutral","sentiment_score":-0.006558683700859547}],"sentiment":"neutral","sentiment_score":0.0017851689818168157,"num_words":38,"start":3604.285,"end":3631.945},{"sentences":[{"text":"Yep.","start":3653.445,"end":3653.945,"sentiment":"neutral","sentiment_score":-0.1598421335220337},{"text":"Yeah.","start":3669.42,"end":3669.92,"sentiment":"neutral","sentiment_score":0.145035058259964},{"text":"And just and this is all very hypotheticals.","start":3687.945,"end":3690.8198,"sentiment":"neutral","sentiment_score":-0.06908885575830936},{"text":"We don't plan on dying anytime particularly soon.","start":3690.8198,"end":3692.98,"sentiment":"neutral","sentiment_score":-0.3007410578429699},{"text":"But if if I was to put the kids as the beneficiary, can they access it?","start":3692.98,"end":3698.98,"sentiment":"neutral","sentiment_score":-0.05067849706392735}],"sentiment":"neutral","sentiment_score":-0.11130300991456299,"num_words":34,"start":3653.445,"end":3698.98},{"sentences":[{"text":"So they have to wait till they're 18 or something, is it?","start":3698.98,"end":3701.5598,"sentiment":"neutral","sentiment_score":-0.05510813153038422},{"text":"Wrong.","start":3756.26,"end":3756.76,"sentiment":"negative","sentiment_score":-0.43596798181533813},{"text":"Yep.","start":3773.695,"end":3774.195,"sentiment":"neutral","sentiment_score":0.12508827447891235},{"text":"I'm picking up what you put now.","start":3783.01,"end":3784.53,"sentiment":"neutral","sentiment_score":0.1322048231959343},{"text":"Just just hurry up and get a will, would you, is what you're saying?","start":3784.53,"end":3787.51,"sentiment":"neutral","sentiment_score":0.14009297692349978}],"sentiment":"neutral","sentiment_score":0.05470166153141431,"num_words":35,"start":3698.98,"end":3787.51},{"sentences":[{"text":"Yeah.","start":3792.265,"end":3792.765,"sentiment":"neutral","sentiment_score":0.11601945757865906},{"text":"Yeah.","start":3810.92,"end":3811.42,"sentiment":"neutral","sentiment_score":0.05021623522043228},{"text":"Yeah.","start":3825.4548,"end":3825.9548,"sentiment":"neutral","sentiment_score":0.13125064969062805},{"text":"Yep.","start":3842.19,"end":3842.69,"sentiment":"neutral","sentiment_score":0.09349821507930756},{"text":"Yep.","start":3857.115,"end":3857.615,"sentiment":"positive","sentiment_score":0.34632939100265503}],"sentiment":"neutral","sentiment_score":0.1474627897143364,"num_words":5,"start":3792.265,"end":3857.615},{"sentences":[{"text":"No.","start":3887.14,"end":3887.64,"sentiment":"neutral","sentiment_score":-0.008637528866529465},{"text":"That's about it.","start":3887.7,"end":3888.8398,"sentiment":"neutral","sentiment_score":-0.016217879126391683},{"text":"That's pretty good.","start":3889.38,"end":3890.0999,"sentiment":"positive","sentiment_score":0.5686629414558411},{"text":"I'm pretty happy with those numbers.","start":3890.0999,"end":3891.5398,"sentiment":"positive","sentiment_score":0.6288834810256958},{"text":"It's only let's say, about $4, I guess, per year for all that insurance.","start":3891.5398,"end":3897.9348,"sentiment":"neutral","sentiment_score":0.13733761651175364}],"sentiment":"neutral","sentiment_score":0.2720268583496498,"num_words":27,"start":3887.14,"end":3897.9348},{"sentences":[{"text":"Yeah.","start":3903.9949,"end":3904.4949,"sentiment":"neutral","sentiment_score":0.1128317266702652},{"text":"And that's acceptable in my current situation, I think, for those numbers with, you know, for the payer numbers.","start":3905.355,"end":3913.26,"sentiment":"neutral","sentiment_score":0.1052031695450607},{"text":"Yep.","start":3921.0,"end":3921.5,"sentiment":"neutral","sentiment_score":-0.008128536865115166},{"text":"No.","start":3934.015,"end":3934.515,"sentiment":"neutral","sentiment_score":-0.10318076610565186},{"text":"Is is that due to go up every every year you get older?","start":3935.055,"end":3937.795,"sentiment":"neutral","sentiment_score":-0.0583133720434629}],"sentiment":"neutral","sentiment_score":0.03549453738544669,"num_words":35,"start":3903.9949,"end":3937.795},{"sentences":[{"text":"By by what kind of percentage, I guess?","start":3941.62,"end":3944.36,"sentiment":"neutral","sentiment_score":-0.012637705309316516},{"text":"Because I'm 50 this year.","start":3945.2202,"end":3946.4202,"sentiment":"neutral","sentiment_score":-0.024593554437160492},{"text":"But is 50 like a big number where they go, oh, cool.","start":3946.4202,"end":3948.74,"sentiment":"neutral","sentiment_score":-0.0338611490248392},{"text":"We're gonna plug you in.","start":3948.74,"end":3950.5,"sentiment":"neutral","sentiment_score":-0.07729786485433579},{"text":"Or it's just percentage per year?","start":3950.5,"end":3952.76,"sentiment":"neutral","sentiment_score":-0.025964421530564625}],"sentiment":"neutral","sentiment_score":-0.03257441823370755,"num_words":36,"start":3941.62,"end":3952.76},{"sentences":[{"text":"Okay.","start":3960.2952,"end":3960.7952,"sentiment":"neutral","sentiment_score":-0.03580641373991966},{"text":"Yeah.","start":3973.9602,"end":3974.4602,"sentiment":"neutral","sentiment_score":0.032119445502758026},{"text":"That'll that'll come into play.","start":3975.4802,"end":3978.06,"sentiment":"neutral","sentiment_score":0.026302571594715118},{"text":"No.","start":3996.03,"end":3996.53,"sentiment":"neutral","sentiment_score":-0.21033459901809692},{"text":"You you I'm trying to fear factor fear me into it, but that's that's dead right.","start":3998.1367,"end":4006.6702,"sentiment":"neutral","sentiment_score":-0.19317681714892387}],"sentiment":"neutral","sentiment_score":-0.13222240765268603,"num_words":24,"start":3960.2952,"end":4006.6702},{"sentences":[{"text":"I know.","start":4006.6702,"end":4007.25,"sentiment":"neutral","sentiment_score":-0.07775251939892769},{"text":"That riding bikes is saying.","start":4008.1902,"end":4009.81,"sentiment":"neutral","sentiment_score":-0.057545381039381026},{"text":"No.","start":4010.855,"end":4011.095,"sentiment":"neutral","sentiment_score":-0.07529008388519287},{"text":"That that's all pretty good.","start":4011.095,"end":4012.295,"sentiment":"neutral","sentiment_score":0.20816017389297486},{"text":"I'm pretty happy with all that.","start":4012.295,"end":4014.315,"sentiment":"positive","sentiment_score":0.3932727674643199}],"sentiment":"neutral","sentiment_score":0.15167976033530736,"num_words":19,"start":4006.6702,"end":4014.315},{"sentences":[{"text":"Because realistically, this is just the way my brain thinks.","start":4018.375,"end":4021.1748,"sentiment":"neutral","sentiment_score":0.014480542950332164},{"text":"So if I'm getting, would you say, about $2 super contributions from work per month?","start":4021.1748,"end":4029.05,"sentiment":"neutral","sentiment_score":0.02342308796942234},{"text":"1,800.","start":4038.435,"end":4039.075,"sentiment":"neutral","sentiment_score":0.024757057428359985},{"text":"Certainly, that's I'm getting about eleven months of contribution after they pay for the $1.08 $9.06 per year for the loss and TBD income protection.","start":4039.075,"end":4046.615,"sentiment":"neutral","sentiment_score":0.03281952802091837},{"text":"Yeah.","start":4049.96,"end":4050.28,"sentiment":"neutral","sentiment_score":0.04318976402282715}],"sentiment":"neutral","sentiment_score":0.026626668673438523,"num_words":52,"start":4018.375,"end":4050.28},{"sentences":[{"text":"That's just why my brain works.","start":4050.28,"end":4051.88,"sentiment":"neutral","sentiment_score":0.03010671492666006},{"text":"Sorry.","start":4051.88,"end":4052.2,"sentiment":"neutral","sentiment_score":-0.08006903529167175},{"text":"And then I just have to cough up the 2,100 to pay for the trauma, which I'm happy enough with at this stage.","start":4052.2,"end":4060.14,"sentiment":"neutral","sentiment_score":0.013293815857690313},{"text":"And and just tell me about trauma.","start":4063.3948,"end":4065.015,"sentiment":"neutral","sentiment_score":0.12308998618807111},{"text":"Do they and now if I just break my arm, I'm running out for six months.","start":4066.035,"end":4070.1948,"sentiment":"neutral","sentiment_score":-0.053569958079606295}],"sentiment":"neutral","sentiment_score":0.007751690434678545,"num_words":53,"start":4050.28,"end":4070.1948},{"sentences":[{"text":"Do they it's it's not the full lump sum of $3.18 that they sort of do it per injury kind of thing.","start":4070.1948,"end":4075.17,"sentiment":"neutral","sentiment_score":-0.059132601896470245},{"text":"Is that the way that works?","start":4075.17,"end":4076.47,"sentiment":"neutral","sentiment_score":-0.026376771740615368},{"text":"Or is it just a standard $3.18 lump sum?","start":4077.17,"end":4079.91,"sentiment":"neutral","sentiment_score":-0.041964794819553695},{"text":"So I know insurance companies.","start":4083.0898,"end":4084.45,"sentiment":"neutral","sentiment_score":-0.044251999258995055},{"text":"I don't I'm never on sort of insurance companies or scammers.","start":4084.45,"end":4087.3499,"sentiment":"negative","sentiment_score":-0.3879607238552787}],"sentiment":"neutral","sentiment_score":-0.11935262234424646,"num_words":53,"start":4070.1948,"end":4087.3499},{"sentences":[{"text":"Right.","start":4133.46,"end":4133.96,"sentiment":"neutral","sentiment_score":0.0073919836431741714},{"text":"No.","start":4154.505,"end":4155.005,"sentiment":"neutral","sentiment_score":-0.1812106966972351},{"text":"Okay.","start":4193.96,"end":4194.46,"sentiment":"neutral","sentiment_score":-0.12390290200710297},{"text":"I've got something else I've got something else to mention as well.","start":4194.76,"end":4198.78,"sentiment":"neutral","sentiment_score":-0.01758898204813401},{"text":"Now when I've had that policy, I had to go through a lot of work to get rid of that hip injury.","start":4199.795,"end":4205.255,"sentiment":"neutral","sentiment_score":-0.21790994839234787}],"sentiment":"neutral","sentiment_score":-0.14331914227757905,"num_words":37,"start":4133.46,"end":4205.255},{"sentences":[{"text":"I think that I've had enough exclusion.","start":4207.875,"end":4209.815,"sentiment":"negative","sentiment_score":-0.4700894185474941},{"text":"So that was excluded into my knowledge.","start":4210.9946,"end":4213.5547,"sentiment":"neutral","sentiment_score":-0.1639768130012921},{"text":"Can I just confirm that that's still the case, I guess?","start":4213.5547,"end":4216.39,"sentiment":"neutral","sentiment_score":-0.04027302766388113},{"text":"There's a lot of I went through I used to work to had to get neurologist reports and and all that kind of stuff to exclude but there was no exclusion for any hereditary.","start":4216.39,"end":4229.19,"sentiment":"neutral","sentiment_score":-0.10853695146301214},{"text":"It was like, yep.","start":4229.19,"end":4230.49,"sentiment":"neutral","sentiment_score":-0.14948352426290512}],"sentiment":"neutral","sentiment_score":-0.1455501170148925,"num_words":63,"start":4207.875,"end":4230.49},{"sentences":[{"text":"None of those that that they didn't so they would still pay out if my head had a relapse of the head injury, which is hasn't been the case for twenty five years or whatever it is.","start":4230.995,"end":4240.855,"sentiment":"neutral","sentiment_score":-0.24623733295782194},{"text":"Oh, cool.","start":4243.89,"end":4253.83,"sentiment":"neutral","sentiment_score":0.04120416194200516},{"text":"There was one there was one there because I had a harassment case and this is also, what, fifteen years ago.","start":4256.21,"end":4262.005,"sentiment":"neutral","sentiment_score":-0.08537792361208371},{"text":"There's a harassment case at work and I went to the doctor and just had some time off because of work related stress.","start":4262.005,"end":4268.745,"sentiment":"neutral","sentiment_score":-0.12776088876568753},{"text":"And then I I was honest when I took that policy out and I think they excluded stress and stuff like that.","start":4268.965,"end":4275.3,"sentiment":"neutral","sentiment_score":-0.10296229239214551}],"sentiment":"neutral","sentiment_score":-0.15261885967283023,"num_words":105,"start":4230.995,"end":4275.3},{"sentences":[{"text":"But what you're saying, there was a yeah.","start":4275.3,"end":4278.1797,"sentiment":"neutral","sentiment_score":-0.06585857272148132},{"text":"Mental health.","start":4278.1797,"end":4279.0,"sentiment":"neutral","sentiment_score":-0.08259199559688568},{"text":"It was I mean, it's it's I didn't get diagnosed with mental health or stress related injuries.","start":4286.755,"end":4291.875,"sentiment":"neutral","sentiment_score":-0.2827034434851478},{"text":"It was just I was just honest.","start":4291.875,"end":4293.555,"sentiment":"neutral","sentiment_score":-0.14128173461982182},{"text":"They said, have you ever suffered stress?","start":4293.555,"end":4294.915,"sentiment":"neutral","sentiment_score":-0.14530148676463536}],"sentiment":"neutral","sentiment_score":-0.18302667468059353,"num_words":41,"start":4275.3,"end":4294.915},{"sentences":[{"text":"So I said, oh, you went to the doctor because I got grass at work and I just took some sick leave because of I wasn't, you know, fit for work.","start":4294.915,"end":4301.85,"sentiment":"neutral","sentiment_score":-0.22728924501326778},{"text":"It was not like to to to get diagnosed with stress is a whole different kettle of fish.","start":4303.29,"end":4308.67,"sentiment":"negative","sentiment_score":-0.4229128675328361},{"text":"Yeah.","start":4317.0503,"end":4317.5503,"sentiment":"neutral","sentiment_score":0.0022941231727600098},{"text":"Yep.","start":4321.725,"end":4322.225,"sentiment":"neutral","sentiment_score":-0.03430284187197685},{"text":"Yeah.","start":4330.365,"end":4330.865,"sentiment":"neutral","sentiment_score":-0.04483447968959808}],"sentiment":"neutral","sentiment_score":-0.28337002710367626,"num_words":52,"start":4294.915,"end":4330.865},{"sentences":[{"text":"Yeah.","start":4334.27,"end":4334.5103,"sentiment":"neutral","sentiment_score":0.08459340035915375},{"text":"Yeah.","start":4334.5103,"end":4335.0103,"sentiment":"neutral","sentiment_score":0.09735873341560364},{"text":"Perfect.","start":4345.47,"end":4345.97,"sentiment":"positive","sentiment_score":0.40135908126831055},{"text":"Now I went I went through a lot of the because I was worried about the brain injury, but through so my old financial adviser guy, he helped me through and he would excluded that, I guess.","start":4347.795,"end":4359.235,"sentiment":"neutral","sentiment_score":-0.0425021759410565},{"text":"Or, you know, so it was never gonna be a drama.","start":4359.235,"end":4361.575,"sentiment":"neutral","sentiment_score":-0.18023868853395636}],"sentiment":"neutral","sentiment_score":-0.058272448404892985,"num_words":51,"start":4334.27,"end":4361.575},{"sentences":[{"text":"There's never been a drama since.","start":4362.1,"end":4363.64,"sentiment":"neutral","sentiment_score":-0.22037842373053232},{"text":"Yeah.","start":4368.58,"end":4368.98,"sentiment":"neutral","sentiment_score":0.0299159474670887},{"text":"Yep.","start":4368.98,"end":4369.48,"sentiment":"neutral","sentiment_score":0.04514923691749573},{"text":"And I I I would take it from myself just to go to neurologist every couple of years just to go and have a chat and whatever.","start":4370.1,"end":4376.685,"sentiment":"neutral","sentiment_score":0.028697747668182408},{"text":"And and he's like, no.","start":4376.685,"end":4377.725,"sentiment":"neutral","sentiment_score":0.030401432514190675}],"sentiment":"neutral","sentiment_score":-0.008008975209668279,"num_words":40,"start":4362.1,"end":4377.725},{"sentences":[{"text":"You're all good.","start":4377.725,"end":4378.525,"sentiment":"neutral","sentiment_score":0.11576326936483383},{"text":"Don't worry.","start":4378.525,"end":4379.265,"sentiment":"neutral","sentiment_score":0.1540294587612152},{"text":"Yeah.","start":4381.325,"end":4381.825,"sentiment":"neutral","sentiment_score":0.14627300202846527},{"text":"Yep.","start":4387.245,"end":4387.745,"sentiment":"neutral","sentiment_score":0.19069549441337583},{"text":"No, bro.","start":4405.855,"end":4406.675,"sentiment":"neutral","sentiment_score":-0.039843322709202766}],"sentiment":"neutral","sentiment_score":0.10140339740448528,"num_words":9,"start":4377.725,"end":4406.675},{"sentences":[{"text":"No worries.","start":4426.7803,"end":4427.52,"sentiment":"neutral","sentiment_score":0.022339308634400368},{"text":"Now my wife just walked out then, but maybe she's due for a catch up call.","start":4427.9004,"end":4433.7246,"sentiment":"neutral","sentiment_score":-0.04810477583669126},{"text":"Not now, obviously, but at some stage in the next month.","start":4433.7246,"end":4440.545,"sentiment":"neutral","sentiment_score":-0.11668842285871506},{"text":"Can we just book I can't see every day.","start":4443.11,"end":4444.87,"sentiment":"negative","sentiment_score":-0.33422335982322693},{"text":"I just have not had a chance to look at it, and I'm not happy with the performance of the last year.","start":4444.87,"end":4449.69,"sentiment":"negative","sentiment_score":-0.5200761874968355}],"sentiment":"neutral","sentiment_score":-0.2743042801817258,"num_words":60,"start":4426.7803,"end":4449.69},{"sentences":[{"text":"Well, you need to sort of talk to him to make that work.","start":4449.75,"end":4452.17,"sentiment":"neutral","sentiment_score":-0.015542878267856745},{"text":"Yep.","start":4454.39,"end":4454.71,"sentiment":"neutral","sentiment_score":0.023849492892622948},{"text":"My wife looks putting it ahead in his hand or is it else to me?","start":4454.71,"end":4458.17,"sentiment":"neutral","sentiment_score":-0.07178846349318822},{"text":"You you guys scheduling a phone call to her to schedule an appointment and then they're working at otherwise, I'll be in trouble.","start":4466.175,"end":4472.835,"sentiment":"neutral","sentiment_score":-0.03199229033096977},{"text":"Yep.","start":4481.34,"end":4481.84,"sentiment":"neutral","sentiment_score":0.15601849555969238}],"sentiment":"neutral","sentiment_score":-0.034619604887546236,"num_words":53,"start":4449.75,"end":4481.84},{"sentences":[{"text":"No problems.","start":4482.2197,"end":4482.88,"sentiment":"neutral","sentiment_score":0.2351016253232956},{"text":"Yep.","start":4498.925,"end":4499.425,"sentiment":"neutral","sentiment_score":0.14438335597515106},{"text":"It seems it takes to book in the course.","start":4505.75,"end":4508.17,"sentiment":"neutral","sentiment_score":-0.04234461279378997},{"text":"Mine was just, like, one thing, very slow in the whole of our year.","start":4508.3896,"end":4511.03,"sentiment":"neutral","sentiment_score":-0.29861861893108915},{"text":"And it's like Well, you need to talk to them about it.","start":4511.03,"end":4512.8696,"sentiment":"neutral","sentiment_score":-0.15616468402246633}],"sentiment":"neutral","sentiment_score":-0.15318820478492662,"num_words":38,"start":4482.2197,"end":4512.8696},{"sentences":[{"text":"I'm not in charge of that.","start":4512.8696,"end":4514.205,"sentiment":"neutral","sentiment_score":-0.21782788385947546},{"text":"Okay.","start":4514.845,"end":4515.245,"sentiment":"neutral","sentiment_score":-0.05922333151102066},{"text":"I'm just gonna have the chance to do my investigation into our budget.","start":4515.245,"end":4518.545,"sentiment":"neutral","sentiment_score":-0.018963825817291554},{"text":"Oh, gee.","start":4519.965,"end":4521.485,"sentiment":"neutral","sentiment_score":0.019830668345093727},{"text":"She's forced to get that one.","start":4521.485,"end":4522.9453,"sentiment":"neutral","sentiment_score":-0.012277720030397177}],"sentiment":"neutral","sentiment_score":-0.058811619778030684,"num_words":28,"start":4512.8696,"end":4522.9453},{"sentences":[{"text":"No worries.","start":4529.645,"end":4530.15,"sentiment":"neutral","sentiment_score":0.11650490760803223},{"text":"Alright.","start":4554.375,"end":4554.855,"sentiment":"neutral","sentiment_score":0.24081921577453613},{"text":"Thanks very much.","start":4554.855,"end":4555.995,"sentiment":"positive","sentiment_score":0.5207292636235555},{"text":"No worries.","start":4567.7,"end":4568.457,"sentiment":"neutral","sentiment_score":0.19860579818487167},{"text":"Cheers.","start":4576.057,"end":4576.457,"sentiment":"positive","sentiment_score":0.45902273058891296}],"sentiment":"neutral","sentiment_score":0.3213612387577693,"num_words":9,"start":4529.645,"end":4576.457},{"sentences":[{"text":"You too.","start":4576.457,"end":4576.777,"sentiment":"neutral","sentiment_score":0.1512235626578331},{"text":"Bye bye.","start":4576.777,"end":4577.517,"sentiment":"neutral","sentiment_score":0.18998851627111435}],"sentiment":"neutral","sentiment_score":0.17060603946447372,"num_words":4,"start":4576.457,"end":4577.517}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Craig. Sorry about that. I\n\nChannel 1: No.\n\nChannel 0: don't\n\nChannel 1: That\n\nChannel 0: know\n\nChannel 1: was\n\nChannel 0: what happened.\n\nChannel 1: me. Sorry. I I pressed the wrong button.\n\nChannel 0: No. That's okay. I was like, hello? Hello? And then I looked at the phone.\n\nI was like, nope. It's just totally gone. Anyway, our call is recorded. And security, full name, date of birth, and address, please.\n\nChannel 1: Craig Dickinson. 11387620 Martha Street, Bakersfield 6162.\n\nChannel 0: 6 16. Perfect. Absolutely amazing. So as I said before, the purpose of today's call is to go through and have an update, touch base with you, see if there's any areas of advice that you wanna ultimately look at, and and and sort of gauge where things are at for you and make sure that we're still on target to reach\n\nChannel 1: Yes.\n\nChannel 0: sorry.\n\nChannel 1: And\n\nChannel 0: Hiccups.\n\nChannel 1: I just like to know that all my\n\nChannel 0: Yeah.\n\nChannel 1: insurances and stuff are in place and all going good.\n\nChannel 0: Yeah. Okay. Perfect. So, specifically, we wanna look at where our insurances are sitting at the moment as well. Absolutely.\n\nWe can do definitely do that. So, I guess the first thing I generally like to look at is just making sure, that our records are most up up to date. And the reason for that is is it it enables me to, I guess, identify anything that could possibly be an area for advice or, you know, make sure that everything's still kosher if there's been a significant change for you as well.\n\nChannel 1: No worries. It's been a pay increase. It's the only thing that sort of changed.\n\nChannel 0: Amazing. So what did our pay move up to?\n\nChannel 1: About $1.85.\n\nChannel 0: Fantastic. Because previously, we were sitting That's a bit of a pay increase. Well done.\n\nChannel 1: Yeah. Finally,\n\nChannel 0: More responsibilities\n\nChannel 1: they're coughing\n\nChannel 0: with\n\nChannel 1: up\n\nChannel 0: it.\n\nChannel 1: the dough.\n\nChannel 0: Just finally come to the table.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. And is that base income? Are there any bonuses or overtime or anything like that that you earn from that?\n\nChannel 1: No. Just base income. All the all the bonuses and what do they call it? The allowances will go off your base. So if your base goes up, then everything else goes up.\n\nBut that still just packages into my take\n\nChannel 0: Okay. Cool. Alright. So\n\nChannel 1: home.\n\nChannel 0: amazing. So I skipped ahead. I'm just gonna skip back. Cool. You've already confirmed your address, which is perfect.\n\nNo change to, like, number of dependents, marital status, nothing like that.\n\nChannel 1: No.\n\nChannel 0: Perfect. And then with regards to your, I guess, occupation, has have you like, with the role, have you taken on any additional, like, duties and responsibilities,\n\nChannel 1: What what is it that have they done it? What am I done at the moment?\n\nChannel 0: explosives operator?\n\nChannel 1: No. I'm what they call the explosive coordinator now. So one under supervisor, I guess. More supervisor kinda role.\n\nChannel 0: Okay. So operator is obviously hands on. Coordinate, I assume, goes halfway between the management of and the hands on. Okay. And then you've got your supervisor only, which is supervisor\n\nChannel 1: Correct.\n\nChannel 0: only.\n\nChannel 1: No. Not quite there, but\n\nChannel 0: Not\n\nChannel 1: I'm not sure if I I wanna get there.\n\nChannel 0: you still enjoy watching the things go boom?\n\nChannel 1: No. Twenty years is enough. But how it pays the bill pays the bill, so I'll just cover it.\n\nChannel 0: Yeah. That's\n\nChannel 1: Unless we\n\nChannel 0: completely\n\nChannel 1: unless you have\n\nChannel 0: fair.\n\nChannel 1: an idea unless you have an idea where I can do something crazy and and that kind of money.\n\nChannel 0: No. That's that politics is probably the only one I've got in that realm.\n\nChannel 1: Financial adviser.\n\nChannel 0: I wish. Perfect. So the last the last record I have is that you're working above ground. Is that still the case?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. And still with Rio? How long have you been with them now?\n\nChannel 1: Yep. Fourteen years.\n\nChannel 0: Fourteen years with the same well done.\n\nChannel 1: It's Sinatra's times up there.\n\nChannel 0: I can imagine. What what's your what's your swing like? Are you sort of two on two off? Or\n\nChannel 1: No. Eight days on, six days off.\n\nChannel 0: okay. So yeah. I mean, that's not too too bad. That's a\n\nChannel 1: No.\n\nChannel 0: pretty good that's a pretty\n\nChannel 1: When\n\nChannel 0: good\n\nChannel 1: you\n\nChannel 0: swing\n\nChannel 1: when\n\nChannel 0: ratio.\n\nChannel 1: when you when you look at the the, you know, that $185 and they're only working just over half a year, it's it's\n\nChannel 0: Not\n\nChannel 1: it's doable.\n\nChannel 0: yeah. Definitely. And can I ask how does like, are you paid fortnightly to deal with, like, obviously,\n\nChannel 1: No.\n\nChannel 0: your swing, or is it monthly?\n\nChannel 1: Monthly.\n\nChannel 0: Monthly. Yeah. I always do. Which just\n\nChannel 1: Oh,\n\nChannel 0: is\n\nChannel 1: is\n\nChannel 0: a\n\nChannel 1: that\n\nChannel 0: pain.\n\nChannel 1: is that better is that better for them?\n\nChannel 0: No. No. It I mean, it's six one half, not the other. It's just, like, your swing's obviously not the same as everyone. Some people, you know, depending on the mind, can do four in one or three in one or whatever the case\n\nChannel 1: Yes.\n\nChannel 0: may be. But a lot of the swings are very much, like, fortnightly, like, ratioed. So, like, you know, you got\n\nChannel 1: Yeah.\n\nChannel 0: one and one or, in your case, you know, eight and six, which is a fortnight. So it would make more sense to pay on the fortnight because, otherwise, it's just I don't know. From a accounting background, it gets messy in\n\nChannel 1: I\n\nChannel 0: the back\n\nChannel 1: know\n\nChannel 0: end.\n\nChannel 1: Rio very well, and I always think they've had an an ulterior motive there that's better for them somehow, but\n\nChannel 0: No. I think they're just spending more on accounting than what they probably need to.\n\nChannel 1: yeah.\n\nChannel 0: Now with your increase in wage, have your expenses increased? Are you saving more now? Where does everything fit for you in that realm?\n\nChannel 1: No. Not really. Just the price of\n\nChannel 0: Cost of\n\nChannel 1: living\n\nChannel 0: living?\n\nChannel 1: has gone up, and we've done a few mods around the house to to keep getting\n\nChannel 0: Yeah.\n\nChannel 1: savings at bay.\n\nChannel 0: No. That's\n\nChannel 1: Yep.\n\nChannel 0: perfect. Because last record I I had was you obviously\n\nChannel 1: And\n\nChannel 0: have\n\nChannel 1: then\n\nChannel 0: the\n\nChannel 1: we're already on one wage. The wife stopped working, which is great for the kids and great for the family, but has made\n\nChannel 0: Yeah.\n\nChannel 1: their savings too much.\n\nChannel 0: No. That's fair. So your your wage is both savings and expenses. It's the the sole income coming in.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Oh,\n\nChannel 0: Okay. Absolutely.\n\nChannel 1: absolutely.\n\nChannel 0: And how old are the the kids? Because I know you have two dependents.\n\nChannel 1: Nine and 11.\n\nChannel 0: Oh, good age.\n\nChannel 1: Nine.\n\nChannel 0: Hard age. They're good.\n\nChannel 1: But it's all hard.\n\nChannel 0: Yeah.\n\nChannel 1: Do you got kids?\n\nChannel 0: Yeah. I've got three. My\n\nChannel 1: Oh.\n\nChannel 0: eldest is 12, so we're full blown\n\nChannel 1: Yeah.\n\nChannel 0: into that that realm.\n\nChannel 1: Yeah. And there's no nothing's particularly easy. Everything's just hard in a different way.\n\nChannel 0: Correct. Yeah.\n\nChannel 1: When\n\nChannel 0: It's\n\nChannel 1: our\n\nChannel 0: just\n\nChannel 1: baby, do you think once they get out of napkins and walking and talking, you think it's a lot easier, but you know, they had\n\nChannel 0: I know.\n\nChannel 1: to\n\nChannel 0: My youngest, like, my youngest\n\nChannel 1: talk\n\nChannel 0: just started school, and\n\nChannel 1: back\n\nChannel 0: it's a blessing. Don't be wrong.\n\nChannel 1: here\n\nChannel 0: Like, you know, everyone's at school\n\nChannel 1: and\n\nChannel 0: and everyone's in the same location. But\n\nChannel 1: free free day care.\n\nChannel 0: Right? But there's you know, to a degree, it's it's also a a bit of a pain because there's all these other external\n\nChannel 1: Does your\n\nChannel 0: people.\n\nChannel 1: kids start and you're in Queensland,\n\nChannel 0: Yeah. Yeah. Great one.\n\nChannel 1: Did your kids starting high school in grade seven or eight?\n\nChannel 0: We start seven.\n\nChannel 1: Yes.\n\nChannel 0: I mean, not\n\nChannel 1: Same\n\nChannel 0: not\n\nChannel 1: as\n\nChannel 0: back\n\nChannel 1: you learn.\n\nChannel 0: in my\n\nChannel 1: You\n\nChannel 0: day.\n\nChannel 1: just\n\nChannel 0: But\n\nChannel 1: changed that.\n\nChannel 0: Yeah. Yeah. So my 12 year old's high school, and\n\nChannel 1: Yeah. Fairly,\n\nChannel 0: I've got\n\nChannel 1: he's high school, and it's a battle. It's a battle to get him out. He doesn't use a sleep for an hour.\n\nChannel 0: Oh,\n\nChannel 1: Every\n\nChannel 0: yep.\n\nChannel 1: morning, it's just a battle to get him out.\n\nChannel 0: See, I've got one of those silly households that's up the whole of the sun.\n\nChannel 1: Yeah. Right.\n\nChannel 0: All five all five of us are up by, like, 5AM.\n\nChannel 1: Right.\n\nChannel 0: Yeah. So even the 12 year old, like, he's no he's pushing 13, but, yeah, even even him, he's he's not a normal teenager. He's he's up. Basically, I I I walk out the door at 04:30 to go for a go to the gym and go for a run, and he'll pop his head out and be like, oh, bye, mom. Have a great day.\n\nI'm like, go back to sleep. You're up\n\nChannel 1: Yeah.\n\nChannel 0: at\n\nChannel 1: Yeah. Well, it's yeah. Boy, he doesn't sleep well. He\n\nChannel 0: ten.\n\nChannel 1: he doesn't get to sleep well,\n\nChannel 0: Sorry. Oh, just\n\nChannel 1: which sucks.\n\nChannel 0: doesn't settle?\n\nChannel 1: Well, doesn't settle. And then he starts reading a book. So he's like, oh, cool. Great. He's 11 year old.\n\nHe's reading a book all the time. He's reading novel after novel after novel.\n\nChannel 0: Yep.\n\nChannel 1: But when he's reading a novel at eleven or twelve at night,\n\nChannel 0: Yeah.\n\nChannel 1: Not so good. And, like,\n\nChannel 0: I\n\nChannel 1: you know, he pulled a book off him and then he will sit there with a headlamp and sneak a book. At least it's not Nintendo or an iPad, but it's\n\nChannel 0: look.\n\nChannel 1: not\n\nChannel 0: I can\n\nChannel 1: sleeping either.\n\nChannel 0: I can definitely appreciate it? I was that kid. I was, you know, two or 03:00 in the morning still reading a book. You'd be like, one one more page. One I'll just I'll finish this chapter.\n\nAnd then, of course, it finishes on a cliffhanger. You gotta finish the next chapter.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah. And then, you know, no friends. Just just books. Books on the weekends. And\n\nChannel 1: Yeah. It's it's really\n\nChannel 0: Yeah.\n\nChannel 1: good because when he when they do lose it or when he loses it, you know, of a has an emotional\n\nChannel 0: Yep.\n\nChannel 1: roller coaster day, It's just just go and read your book. Right?\n\nChannel 0: Yep.\n\nChannel 1: And a good one that'll just settle him down and give him some focus and chill.\n\nChannel 0: Yep.\n\nChannel 1: Because I do see a lot of other kids sitting on the iPads for hours and hours and hours and hours, which she doesn't do.\n\nChannel 0: They unfortunately do. Yeah. They they can spend some time on devices, and I know, like, my my kids you know, I've I'm an acreage kid. I grew up on a few acres. So I was you know, you're not inside the house.\n\nIf you're inside the house, you're cleaning. You're out out the back. You're in the yard. You're doing something. You're playing.\n\nYou're on a bike. So very much my kids are the same. It's not devices, but,\n\nChannel 1: Yeah.\n\nChannel 0: you know,\n\nChannel 1: Yep.\n\nChannel 0: the older they get, the more push is there for their mates. So, you know, come on and play games and do this and do that. And so it's very, very different world, but it's very interesting at the same time\n\nChannel 1: Yeah.\n\nChannel 0: to, I I guess,\n\nChannel 1: Because they\n\nChannel 0: watch.\n\nChannel 1: don't particularly their kids aren't particularly sporty, but they don't do much. He plays water polo as a boy, which is really great. And he's into\n\nChannel 0: Amazing.\n\nChannel 1: that. So it's every Friday. And but skateboarding was the only thing that really kept him you know, pulled him out of that iPad world or that he had a Nintendo switch there for a while. I don't even touch as much anymore. He\n\nChannel 0: Yeah.\n\nChannel 1: just gets\n\nChannel 0: I put\n\nChannel 1: in on a skater and has a bit of a Skype, which\n\nChannel 0: no.\n\nChannel 1: is\n\nChannel 0: That's\n\nChannel 1: great.\n\nChannel 0: good. I put my kids into taekwondo for the same reason. None of them are sporty, but gave them something to do.\n\nChannel 1: Yep.\n\nChannel 0: So oh, I love that. And with skateboarding, you can do it anytime, anywhere. So it works.\n\nChannel 1: 100%.\n\nChannel 0: Anyway, we've taught kids,\n\nChannel 1: Moving\n\nChannel 0: but\n\nChannel 1: right along.\n\nChannel 0: yes. With regards to your assets, I know that we've got the mortgage. We've got the block of land. There was a renovation debt that we had as well. Where do those figures sit now?\n\nDo you know what the house is valued at? Because I had about 1 0.2 previously. The market's obviously\n\nChannel 1: Probably bump it up to 1.5 just because\n\nChannel 0: yeah.\n\nChannel 1: the property market's been hammering.\n\nChannel 0: Yeah. I was gonna say it's probably probably up there. And do you know what the mortgage is sitting at? I had $403.40.\n\nChannel 1: Three no. $3.40.\n\nChannel 0: Fantastic. Are we paying more than what we owe, like, more than the minimum each\n\nChannel 1: Not\n\nChannel 0: payment\n\nChannel 1: currently.\n\nChannel 0: cycle?\n\nChannel 1: No.\n\nChannel 0: Okay. We're just meeting minimum.\n\nChannel 1: This minimum.\n\nChannel 0: That's okay. And I'm assuming that would have definitely stopped once Sharon dropped off work. Shannon. Sorry.\n\nChannel 1: Shannon. Yes. Correct.\n\nChannel 0: Yeah. Okay.\n\nChannel 1: And we sort of plowed through those savings, but it's been a kind of a okay thing because it's just made us stop spending so much.\n\nChannel 0: Yeah. I took a re\n\nChannel 1: And some\n\nChannel 0: re\n\nChannel 1: for\n\nChannel 0: relook\n\nChannel 1: a while,\n\nChannel 0: at\n\nChannel 1: I mean,\n\nChannel 0: finances.\n\nChannel 1: we're not a holiday. We went to Japan last year and just doing a bit of renovation in the shed, and it's just really put the brakes on a lot of those spendings, those unwanted spendings, which is a\n\nChannel 0: Yeah.\n\nChannel 1: good thing. Forced.\n\nChannel 0: No. That's good.\n\nChannel 1: But it's it's okay.\n\nChannel 0: Yeah. And the block of land, would do we still own that? Have we\n\nChannel 1: No.\n\nChannel 0: Solved\n\nChannel 1: No.\n\nChannel 0: it.\n\nChannel 1: We didn't have it anymore.\n\nChannel 0: Okay. So can I ask when we sold it?\n\nChannel 1: Oh. Sam, when did we sell Bremer? Maybe three or four years ago.\n\nChannel 0: Okay. Cool. That's absolutely fine.\n\nChannel 1: About four years\n\nChannel 0: So\n\nChannel 1: five years ago.\n\nChannel 0: Okay. Perfect.\n\nChannel 1: Were we here or in Tom Price? Yeah. Oh, yeah. So it's like four years ago.\n\nChannel 0: Perfect. That's okay. I will remove that. And I'm assuming we put that money back into our\n\nChannel 1: Yes.\n\nChannel 0: residence. Yeah. Amazing. Now the renovation debt, we're doing work to the shed. Do we still have a debt for that, or are we just spending what we can, I guess,\n\nChannel 1: Just\n\nChannel 0: afford\n\nChannel 1: spending\n\nChannel 0: as\n\nChannel 1: what\n\nChannel 0: we\n\nChannel 1: we\n\nChannel 0: go?\n\nChannel 1: can afford. We're doing it\n\nChannel 0: Cool.\n\nChannel 1: ourselves.\n\nChannel 0: Amazing. And it feels like a sense of accomplishment when you do it.\n\nChannel 1: Yeah.\n\nChannel 0: So we've\n\nChannel 1: And\n\nChannel 0: cleared\n\nChannel 1: then when it when it breaks, we know how to fix it.\n\nChannel 0: definitely. I think one of the my favorite things about, like, owning a house is being able to install a toilet yourself and learning how to replace a washer and a tap, things that you never had to do.\n\nChannel 1: Yes, sir.\n\nChannel 0: The the renovation debt, it was you you previously had a couple of tens of thousands. Have we cleared that off and the only debt we have is our mortgage,\n\nChannel 1: That's\n\nChannel 0: or\n\nChannel 1: correct.\n\nChannel 0: is there\n\nChannel 1: Yeah.\n\nChannel 0: any Perfect. So are there any other assets that we have apart from the mortgage? Any other, like, cars, boats, trailers?\n\nChannel 1: No. Well, I've got a car and a boat and a trailer, but nothing really that you'd say is a massive asset.\n\nChannel 0: No. That's okay.\n\nChannel 1: I've got an\n\nChannel 0: Cool.\n\nChannel 1: old\n\nChannel 0: So\n\nChannel 1: sailing boat, which is cool, but it's not worth any. I mean, it's worth mentioning. And the\n\nChannel 0: that's\n\nChannel 1: old car, we still got the old Prada, which is still going great.\n\nChannel 0: fine. Oh, they they they pull.\n\nChannel 1: That'll be yeah. No.\n\nChannel 0: They\n\nChannel 1: It's going\n\nChannel 0: they\n\nChannel 1: really\n\nChannel 0: are.\n\nChannel 1: good.\n\nChannel 0: Is it early than 2014 or later than?\n\nChannel 1: Earlier. Two\n\nChannel 0: Nice.\n\nChannel 1: '70\n\nChannel 0: Perfect.\n\nChannel 1: '7.\n\nChannel 0: And they're a really, really, really good car. I mean,\n\nChannel 1: Yeah.\n\nChannel 0: apart from probably, like, the '90 series,\n\nChannel 1: Yeah.\n\nChannel 0: like, the Toyota Prados are pretty decent.\n\nChannel 1: No. Really good.\n\nChannel 0: Perfect. Okay. So cash and bank, you said that you had pretty much exhausted that with Shannon being off work. So we're\n\nChannel 1: I'll give it $15.\n\nChannel 0: Okay. And we're just kind of living on that at the moment, putting that into whatever it is that we need\n\nChannel 1: Well,\n\nChannel 0: to\n\nChannel 1: that's not really moving anywhere. That's just staying there for emergencies.\n\nChannel 0: okay. Perfect. So it's just emergency funding.\n\nChannel 1: Yep. Which is\n\nChannel 0: Amazing.\n\nChannel 1: in in the mortgage account, offsetting that.\n\nChannel 0: Perfect. I was gonna say perfect. Okay. So\n\nChannel 1: Is that the\n\nChannel 0: State.\n\nChannel 1: best is is an offset account any different to putting it into the mortgage with a redraw facility of it?\n\nChannel 0: Not really. No. So an offset account versus a redraw, a redraw can give you less flexibility depending on the, like, facility that you're using through the lender that you have. Your redraw facility could restrict you from being able to take, like, a certain amount each month. So you may be\n\nChannel 1: No.\n\nChannel 0: only, say, able\n\nChannel 1: Not\n\nChannel 0: to do, like, one one withdrawal or up to a certain amount. Whereas\n\nChannel 1: no.\n\nChannel 0: with the offset, it works in the same way, but you can touch it as much as you want, generally.\n\nChannel 1: We haven't had any drivers accessing it multiple times.\n\nChannel 0: Yeah. So more than likely, it's a full offset account. Because some some providers will actually allow you to have multiple offset accounts. So, theoretically, you could have, you know, your wages going\n\nChannel 1: I did look\n\nChannel 0: in.\n\nChannel 1: into that, but they charge a fee for such a thing.\n\nChannel 0: They\n\nChannel 1: So\n\nChannel 0: can.\n\nChannel 1: I'll\n\nChannel 0: Yeah.\n\nChannel 1: just sort of know. I'll just\n\nChannel 0: One\n\nChannel 1: keep\n\nChannel 0: of\n\nChannel 1: putting\n\nChannel 0: the things,\n\nChannel 1: in any mortgage and redraw on it where we need to.\n\nChannel 0: yeah, one of the things that you can look at doing that some people do, and it's look. It's not really my area of of finance. It's it's definitely a broker's. But I can definitely I can still model it for you. But, obviously, I can't give you a recommendation on which provider or lender would be best appropriate, is that you have a you know, you obviously have your mortgage account, which is where you put money into to actually physically pay the mortgage down.\n\nObviously, anything additional that you put on the mortgage apart from the minimum pulls down the actual principal that you owe. If you make the minimum, then you obviously pay off principal and interest at the same time. Makes sense.\n\nChannel 1: Yep.\n\nChannel 0: With an offset account, what you're doing is you're basically temporarily reducing the amount that you owe, so the principal of the loan for the the\n\nChannel 1: Yeah.\n\nChannel 0: amount of time that that money is sitting in the offset. So theoretically speaking, with the fact that you get paid monthly and that you would then live off your income over the month, if you got paid into your offset account or you had an offset account set up, your monthly income got put into that offset account. Because interest isn't accrued daily, not monthly, it's charged monthly, but it's accrued daily, for the amount of time that that money is in the account, it actually reduces the amount of interest that you have on your loan.\n\nChannel 1: No. Yeah. So we're we're doing that. We've been doing that forever having we did have\n\nChannel 0: Yeah.\n\nChannel 1: a few properties back then, so that's sort of good knowledge. And we just\n\nChannel 0: Yeah.\n\nChannel 1: so the money goes into the savings account, I guess. And then because of the beauty of Internet banking, these guys are all very manageable from the company\n\nChannel 0: Very\n\nChannel 1: home.\n\nChannel 0: quick. Yep.\n\nChannel 1: So, yeah, then we transfer all into the mortgage with their credit card for the full month and then just pay the rate credit card off at the end of the month.\n\nChannel 0: Beautiful. Absolutely beautiful.\n\nChannel 1: Yeah. Knowing that your interest gets charged daily. So\n\nChannel 0: Yeah. No. Absolutely. And so long as you live within your means and what you can pay off\n\nChannel 1: Yes.\n\nChannel 0: on the credit card, it's not an issue, and pay it by the end of the month.\n\nChannel 1: That's right. Yeah. That's exactly right. And I'll say that to a lot of people is that just because you get a credit card, it's not your money. They're gonna want it back.\n\nAnd if you don't pay it back within thirty days, they're gonna charge you.\n\nChannel 0: Correct. Then it becomes a loan.\n\nChannel 1: Yeah. That's right. At very high interest. No. That's right.\n\nAnd this is something you told me a long time ago is is the bank will never give you interest free loans except for credit cards if you paid off thirty or forty days depending on what.\n\nChannel 0: Yeah. What you have the\n\nChannel 1: And then you get\n\nChannel 0: the\n\nChannel 1: the\n\nChannel 0: thing\n\nChannel 1: points, which is kind of okay because I fly Qantas to work. So we need to skip quantas points. So that just tops it all up nice. I've got loads of quantas points here to do it on a holiday.\n\nChannel 0: is. Oh, I love that's so you have to pay for your own flights.\n\nChannel 1: No. No. No.\n\nChannel 0: Okay. So\n\nChannel 1: We'd like quantas to work,\n\nChannel 0: yep.\n\nChannel 1: but we still get the points for that.\n\nChannel 0: Oh, that's cool. So it's like the company pays for it, but the points are accrued to you.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Oh, that's nice. That's a nice little perk.\n\nChannel 1: Well, it's just eight perks. Yeah.\n\nChannel 0: Being away from your family sucks, but it's a nice little perk.\n\nChannel 1: Yeah.\n\nChannel 0: Can I ask, what's the credit card value?\n\nChannel 1: We dropped it down to 6,000.\n\nChannel 0: Cool.\n\nChannel 1: You see\n\nChannel 0: So\n\nChannel 1: it\n\nChannel 0: that\n\nChannel 1: 10,000\n\nChannel 0: one is\n\nChannel 1: or we just dropped it at 6,000 because it it was a bit easy to because it's a really good reminder that we were running out. Oh,\n\nChannel 0: Yes.\n\nChannel 1: you nearly out of this month's because then you just\n\nChannel 0: Yes.\n\nChannel 1: chuck more in there. It's all we never go over.\n\nChannel 0: Yeah. Otherwise, the temptation to possibly spend can be there.\n\nChannel 1: Yeah. Yep. $10\n\nChannel 0: Yeah.\n\nChannel 1: was probably better when we're both working.\n\nChannel 0: Yeah.\n\nChannel 1: But now with just one of us working, we just drop it down to 6,000 just to pull the reins up when, you know, it's a good reminder.\n\nChannel 0: Remove\n\nChannel 1: Pull\n\nChannel 0: the risk.\n\nChannel 1: the reins.\n\nChannel 0: Yeah. Just remove the risk.\n\nChannel 1: Yep.\n\nChannel 0: Absolutely. Perfect. Okay. Now health wise, has anything changed? I know that you had a head injury twenty two years ago, back in o four.\n\nHas anything else changed? Any medications that you're taking? Anything to that realm? Perfect. And we haven't picked up smoking at all?\n\nChannel 1: No. No.\n\nChannel 0: No. Perfect. Amazing. So with regards to all of that, that's fantastic. The one thing I did want to know that I don't have on file at all is, I guess, with regards to estate planning, I do know that you previously didn't have a will.\n\nHave you put one in place over the last few years? Or\n\nChannel 1: No.\n\nChannel 0: or no. No. That's okay. And\n\nChannel 1: Should we\n\nChannel 0: I'm assuming it it is something that should be considered. So we\n\nChannel 1: do\n\nChannel 0: with\n\nChannel 1: it?\n\nChannel 0: estate planning, and I I I generally I mean, we'll go off about, but that's okay. With with the assets that you hold, some of those, depending on how they're owned, can be considered a state asset. So your primary residence, it's owned by the two of you. So more than likely, it's owned jointly\n\nChannel 1: Correct. Correct.\n\nChannel 0: by the two of you, which means that upon the passing of one, the other would assume ownership a 100%. So the house, therefore, would not form part of the estate.\n\nChannel 1: Yep. Well,\n\nChannel 0: If if there's any bank accounts that are owned individually, they've become a state asset.\n\nChannel 1: Right.\n\nChannel 0: If there's cars, trailers, or boats that are owned individually, they become a state asset. And that's where a will steps in is that a will enables any of those individual assets to be able to be passed to whoever it is that you're wanting to. Like, a lot of the time when there's, you know, when you're a a singular, I guess, nuclear family, let's call it, there's not gonna be a lot of external, you know, people contesting a will. But when you have your slightly messier families, a will definitely comes in handy to be able to make sure that\n\nChannel 1: Well,\n\nChannel 0: there's clear.\n\nChannel 1: that's probably have been too fast about it. Probably could do it, but they just say the house is joint owned and\n\nChannel 0: Yeah.\n\nChannel 1: the cars, you know, it's it's 2,010. It's probably only worth $25. I'm sure it's not gonna take that long to work that out. I might\n\nChannel 0: Yeah.\n\nChannel 1: I've proven wrong and I won't be here to worry about it. But if I was to target and the car, I guess, the only thing that's in my name, but that's only, you know, it's an old Prado now. It's not like a we can go down the line and find a $160 Land Cruiser, so\n\nChannel 0: Yep. Yeah.\n\nChannel 1: I wouldn't call it a massive asset by any stretch.\n\nChannel 0: Yeah. No. And that's that's absolutely fine. So if if you're confident that you that that basically things are all under control, then that's fine. Absolutely.\n\nChannel 1: Yeah.\n\nChannel 0: I guess the the biggest part is is that banks transitioning bank accounts over into an individual name can become hard without a will\n\nChannel 1: Gotcha.\n\nChannel 0: purely purely because privacy laws still stand even after someone has passed. And\n\nChannel 1: Yeah.\n\nChannel 0: superannuation companies, insurance funds, and and banking banking institutions can make things difficult if there's no executor named. And\n\nChannel 1: Okay.\n\nChannel 0: that's really what it comes down to is naming an executor. There's obviously in a will,\n\nChannel 1: Yes.\n\nChannel 0: there's executives and beneficiaries. The executor is a person that is honoring the deceased's wishes, and the beneficiary is the people that are getting the money. So, like, for example, say, in your case, you may make your wife an executor and a beneficiary. There's not not anything wrong with that, providing, you know, she has the mental fortitude to be able to deal with it all upon your passing along with the kids. Some people choose\n\nChannel 1: Yep.\n\nChannel 0: to make a mate, a brother, a friend, you know, the executor, so that way your wife can just deal with everything that has to happen. But it's all personal preference on that front, really. There\n\nChannel 1: It's\n\nChannel 0: are\n\nChannel 1: probably\n\nChannel 0: obviously\n\nChannel 1: something we should do. I probably said that last time when I said to you guys and probably something we should do, but\n\nChannel 0: it's so far down the list. I get it. It it took me until my kid was 10 or 11 till I finally got mine in place, and I've been saying it since just as long as he was alive. So I completely understand it. It is\n\nChannel 1: Yeah.\n\nChannel 0: low. It's just always something that I like to raise because the assets that we're talking about do and can form part of the estate. Now the I guess the best thing we can do, and it's, you know, nice and easy, is make sure that, obviously, your wishes are honored with your super fund, then your wishes are honored with your insurer to ensure that if anything happens, those benefits go pretty quickly to who you're wanting it to go to. And that's,\n\nChannel 1: Yep.\n\nChannel 0: you know, beneficiary nomination forms and stuff like that. So we'll definitely double check those to make sure that they're still honoring your wishes and go from there, if that makes sense.\n\nChannel 1: Yep.\n\nChannel 0: Cool. So with respect to, I guess, your super and your insurance since we're now touching on them, your superannuation fund is is Hub twenty four. It's\n\nChannel 1: Yep.\n\nChannel 0: where where your your superannuation is invested, where everything's sitting. Now with your super, it is invested in the market. So what happens is you purchase specific assets, and those assets, you know, perform as the market performs. Now\n\nChannel 1: Yep.\n\nChannel 0: the assets that you hold, majority of them are doing really well. There is one that has underperformed a little bit that I have been migrating my clients out of slowly, and it's just because it's a what's called a high conviction fund. So it's a it's a Australian equity spend along asset. And spend along that that fund, basically, they they put they purchase stocks and shares within that within that fund itself. And then, generally, what they're supposed to do is make small movements as the market varies.\n\nThat fund, they are high conviction funds, and, basically, they stand back what they're invested in. Now, traditionally, it has done really, really well. Previous market volatility has seen it drop, and they're just not making the choice to make any moves on that fund. So my trust in that as an as an equity and as a fund as in itself has started to waiver, and I am moving my client out of that fund because I don't wanna see, you know, something that isn't gonna bounce back continue to be on on, you know, a whole portfolio. So what I would really like to do, and I guess this is me pushing more so than you requesting, is definitely a bit of an update to the portfolio as a whole to cater for that asset.\n\nAs I said, everything else is looking really, really good. You know, you diversified across not only, you know, equities and and different sectors, but also within asset classes as well. It's just that one asset that's really, I guess, weighing things down. Your\n\nChannel 1: Okay.\n\nChannel 0: balance sits today at at $247,000. So\n\nChannel 1: It's a load on, ain't it?\n\nChannel 0: it has had a little bit of a drop over the last month or last couple of weeks, I should say, just with the current things that are happening. And it's it's standard when\n\nChannel 1: Is it\n\nChannel 0: whenever\n\nChannel 1: because\n\nChannel 0: we\n\nChannel 1: because is it because I've got a lot of insurance coming out of that? I\n\nChannel 0: You\n\nChannel 1: mean,\n\nChannel 0: do\n\nChannel 1: $2.40\n\nChannel 0: have\n\nChannel 1: seven, I I've been working twenty years mining, so I've been always over a $100, I guess. And there's twenty years of mining. It's not that much, is it?\n\nChannel 0: I can't account for previous to the hub account. But, you know, from, like, where the account sits now, it's been going really well. I'm just\n\nChannel 1: Yeah.\n\nChannel 0: looking\n\nChannel 1: But 2\n\nChannel 0: over.\n\nChannel 1: 47 for a 50 year old is probably a bit low, is it?\n\nChannel 0: Oh, I've seen a lot lower. It\n\nChannel 1: I don't\n\nChannel 0: it's, yeah, it's actually not too bad. Really breaking that, like, quarter 1,000,000 bracket is the hardest leg.\n\nChannel 1: know.\n\nChannel 0: Once you break that because, obviously, more money makes more money. So\n\nChannel 1: Oh.\n\nChannel 0: the more you have\n\nChannel 1: Yes.\n\nChannel 0: invested in the market, the more it starts compounding and moving. It's breaking that quarter mil. Once you break that, it does start really compounding and and making a massive difference. Because if you think about it, you know, 10% on on 250,000, you've got yourself\n\nChannel 1: Yeah.\n\nChannel 0: 25 growth over the year. So it's it's just about those those different, like, legs.\n\nChannel 1: I\n\nChannel 0: You\n\nChannel 1: guess the the question that I will ask when we get to it I'll just ask it now. Just the things with\n\nChannel 0: Yeah.\n\nChannel 1: the\n\nChannel 0: Yeah.\n\nChannel 1: with the with the pay rise, should I put more will it make much more than my take home if I donate more to my super?\n\nChannel 0: So\n\nChannel 1: Well,\n\nChannel 0: it will\n\nChannel 1: one\n\nChannel 0: all\n\nChannel 1: 100\n\nChannel 0: depend\n\nChannel 1: and 90 is the next bracket, isn't it? I think I read a\n\nChannel 0: to\n\nChannel 1: million.\n\nChannel 0: oh, to the tax brackets. Yes.\n\nChannel 1: Yeah. Once I get a 190, then it goes up to, like, 70%.\n\nChannel 0: 47%. Yeah. So currently, you're sitting in I know. It was 45 plus 2% levy 2% Medicare levy, but, yep, 47%. Currently, you're sitting in the 39% bracket.\n\nSo every dollar that you earn over a 135,000 is charged at 39¢\n\nChannel 1: Yep.\n\nChannel 0: tax\n\nChannel 1: Oh, so\n\nChannel 0: wise.\n\nChannel 1: what's what's below? A 100 and alright. So it has a week, is it?\n\nChannel 0: Yeah. So tax brackets work. So, basically, not that they pay it this this way because otherwise it'd be really confusing for people as they get, you know, through the year. It's averaged out. But, basically, the first $18,200 that you earn in any financial year is tax free.\n\nRight? So let's just\n\nChannel 1: Yeah.\n\nChannel 0: say, for example, say, in the year you went and earned $18 in one month, you would pay tax on that money straight up because it would be assumed\n\nChannel 1: Yeah.\n\nChannel 0: that in that month, you were gonna earn $18 each month following through. So they would gross it up and say, oh, well, you're gonna earn, you know, $200,000. So therefore, we're gonna charge you at what is appropriate for that amount of money. Now, obviously, if you only earn that $18,000, you would go into your tax return. You get all that money back on your tax return.\n\nChannel 1: Yep. Yep.\n\nChannel 0: So the next bracket up from there is, like, 18,201 through to 45,000, and that's 16¢ on every dollar\n\nChannel 1: Yeah.\n\nChannel 0: over 18,000. Then it's 45 to $1.35 at 30¢,\n\nChannel 1: Yeah.\n\nChannel 0: and then it's $1.35 to $1.90, which is your 37 slash your Medicare, and then it's $1.90 and over, which is your 40\n\nChannel 1: Yeah.\n\nChannel 0: 5.\n\nChannel 1: Gotcha.\n\nChannel 0: Mhmm.\n\nChannel 1: So if if for whatever reason, if I go up over the $1.90, I should start thinking about delivering more than a super, do you think? Or\n\nChannel 0: Yes\n\nChannel 1: making another\n\nChannel 0: and\n\nChannel 1: investment somewhere?\n\nChannel 0: yes and no. It all just depends on, obviously, your cost of living. So when\n\nChannel 1: Yeah.\n\nChannel 0: it comes to salary sacrifice, there are a couple of considerations. The first consideration is how much you're allowed to actually contribute, which you're only allowed to contribute up to $30,000 in any financial year\n\nChannel 1: Uh-huh.\n\nChannel 0: under some certain rules. Now there are ways that you can utilize previous years,\n\nChannel 1: Yep.\n\nChannel 0: what they call contribution caps, to be able to put more in, but the other consideration is is your actual living expenses. If\n\nChannel 1: Yeah.\n\nChannel 0: you're\n\nChannel 1: Yeah.\n\nChannel 0: currently\n\nChannel 1: Yeah.\n\nChannel 0: living on the net of a $185,000 for your family putting nothing into savings, then there's not really any room for you as a family to put money into your super. While\n\nChannel 1: Yeah.\n\nChannel 0: it is\n\nChannel 1: Yeah.\n\nChannel 0: another savings account, it's a savings account you can't currently live on. So that's the probably the biggest immediate consideration that needs to be made is can you afford to put money into your fund under salary sacrifice, and what does that sort of look like? So you could turn around and say, I can afford, say, $300 a month that I would lose. Now what I would do is I would say, cool. That's $300 a month net that you're happy to forego out of your net income.\n\nWhat does that convert into from a gross perspective?\n\nChannel 1: Yes. I mean,\n\nChannel 0: Because\n\nChannel 1: that's not a problem.\n\nChannel 0: it would come out of your gross income before tax comes off it. And that's what I would do, but you\n\nChannel 1: Yes.\n\nChannel 0: would need\n\nChannel 1: That's\n\nChannel 0: to make the\n\nChannel 1: right.\n\nChannel 0: consideration.\n\nChannel 1: And that's that's where if I do go over that, if I get to the 200 sort of grand a year, then I'll be ringing you and saying, how much can I salary save for most without affecting too much my take home?\n\nChannel 0: Yeah. Because currently, your employer on, like, the 185, your your employer like, Rio Tinto would put $2,222,200 into your fund on your behalf.\n\nChannel 1: Yep. Yep.\n\nChannel 0: So you're just you know, you're basically $7,800 away from hitting that cap, but you've never earned to the point where you could where you would still have room in those contribution caps from the last five years that we could we could use. So if\n\nChannel 1: Yep.\n\nChannel 0: you ever got, like, say, a lump sum payout, we could probably put some money in\n\nChannel 1: Yep.\n\nChannel 0: that way. In terms of other, I guess, investments, none of them are really as tax effective as super contributions.\n\nChannel 1: Uh-huh.\n\nChannel 0: But, again, investing personally, you have access to it. So, you know, the 15,000 that you have currently in the offset, it's in the offset, but it's only offsetting, say, the, you know, the four and a bit percent or the 5% interest that you would accrue on your mortgage. You\n\nChannel 1: Yep.\n\nChannel 0: could invest that 15%, and you could get 6%, 7%. You could also drop and only earn two or 3%. So it's\n\nChannel 1: That's\n\nChannel 0: depending\n\nChannel 1: right.\n\nChannel 0: on the risk\n\nChannel 1: Because\n\nChannel 0: level\n\nChannel 1: there's\n\nChannel 0: that\n\nChannel 1: a\n\nChannel 0: you're\n\nChannel 1: risk.\n\nChannel 0: willing\n\nChannel 1: That's right.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: So\n\nChannel 1: 15\n\nChannel 0: whether you're\n\nChannel 1: grand, we're not really willing to risk\n\nChannel 0: Yeah.\n\nChannel 1: that. The 6% is offsetting is is good enough.\n\nChannel 0: Yeah. And that's and that's sort of, I guess, the\n\nChannel 1: Yeah.\n\nChannel 0: the consideration\n\nChannel 1: Yeah. If\n\nChannel 0: of\n\nChannel 1: you've\n\nChannel 0: the question.\n\nChannel 1: made a speculative thing and it made a 100% increase, that'd be great. But\n\nChannel 0: Yeah.\n\nChannel 1: I'm afraid of the markets at the moment with the\n\nChannel 0: Mhmm.\n\nChannel 1: the work current world, the stuff that's happening in the world.\n\nChannel 0: Yeah. Which\n\nChannel 1: I don't\n\nChannel 0: is\n\nChannel 1: have\n\nChannel 0: completely\n\nChannel 1: a lot of faith.\n\nChannel 0: fair.\n\nChannel 1: I'll be I'm old enough to remember 2010 and, like, 2016\n\nChannel 0: Two thousand and\n\nChannel 1: was\n\nChannel 0: '1.\n\nChannel 1: a\n\nChannel 0: Yeah.\n\nChannel 1: 2016 was a bit of a bad year.\n\nChannel 0: Yep. Yeah. If you if you look if you look back far enough, you'll you sort of see the cycles. It's, you know, o one. There's o o seven to o nine.\n\nThen you got COVID in 2021 where you've got your big dips, but you also see the pop back up on the other side. So\n\nChannel 1: Yeah.\n\nChannel 0: whilst, yeah,\n\nChannel 1: Yeah.\n\nChannel 0: they\n\nChannel 1: They\n\nChannel 0: do\n\nChannel 1: still\n\nChannel 0: dip.\n\nChannel 1: are.\n\nChannel 0: Yeah. And even if you look back on, you know, thirty, forty, fifty years, you even see, you know, through, you know, the walls and stuff like that that they it does obviously take effect. But right\n\nChannel 1: Yep.\n\nChannel 0: now, what you can take confidence in is that this is money you're not touching. It's money that's invested, and we wanna make sure it's obviously making the most for you, but\n\nChannel 1: Yep.\n\nChannel 0: it's not money that's taking away from your cost of living.\n\nChannel 1: Exactly.\n\nChannel 0: Yeah. So, yes, con contributions additional, definitely going to help, especially at the moment where you can buy in low while the market has had a drop, but you need to service the family and make sure that you can actually put food on the table.\n\nChannel 1: That's all.\n\nChannel 0: Yeah. So probably not a consideration for right now, but fingers crossed Rio Tinto give you that pay rise, and you'll be good.\n\nChannel 1: There we go.\n\nChannel 0: Yes. Now I've been talking and not looking up what I wanted to look up while I was talking because I got distracted. Crazy. I'm a woman, but I'm terrible at multitasking today.\n\nChannel 1: No.\n\nChannel 0: Does happen from time to time. Where was it? I downloaded your insurance statement earlier.\n\nChannel 1: Yeah. I just wanna make sure. Last discussions we had, I don't think it was you particularly, but with Oakview, they they sort of considered dropping my life insurance for getting older. You know? If I was the car, I want to know that my wife, at least, has loads of loads of money to I think it's a million dollars maybe.\n\nThe life payout.\n\nChannel 0: It's sitting over, if I remember correctly. I'm just pulling it\n\nChannel 1: Because what have I got? I got life, t p and d, and income protection, I think.\n\nChannel 0: up. Yes.\n\nChannel 1: I just\n\nChannel 0: Yeah.\n\nChannel 1: wanna\n\nChannel 0: Yeah.\n\nChannel 1: make sure\n\nChannel 0: Yeah.\n\nChannel 1: they're they're all in place and where they fit. How much it's costing me and what do they all get out or or the family gets out of it.\n\nChannel 0: What does the family get out of it? Yeah. Definitely. Yeah. So you've got in life insurance, you've got 1.59.\n\nSo 1,000,000\n\nChannel 1: Just\n\nChannel 0: 590.\n\nChannel 1: just just hold it for a minute. I'll just get a pen and paper.\n\nChannel 0: I'll send it to you anyway, but definitely.\n\nChannel 1: Oh, yeah. Finance. So I'll just drop this down. Sorry. $2.47 in super.\n\nChannel 0: Yep.\n\nChannel 1: Okay. Lost.\n\nChannel 0: So life insurance is $1,591,348.96. We're gonna be specific.\n\nChannel 1: Yeah.\n\nChannel 0: Total and permanent disability is of the same amount. So 159134896.\n\nChannel 1: Yep.\n\nChannel 0: So to define them, life insurance pays out if you were to pass away or be diagnosed as terminally ill.\n\nChannel 1: Yes.\n\nChannel 0: Total permanent disability pays out if you were totally and permanently disabled, not able to work in any occupation in which you were trained qualified or have experience in.\n\nChannel 1: Okay.\n\nChannel 0: Income protection, you have a ninety day waiting period. So if you're off work for ninety days, then your policy can pay you for up to five years. So it's a five year benefit period, and you're paid $13,909.16 a month.\n\nChannel 1: Ninety day waiting period 13,900\n\nChannel 0: One three nine zero nine and sixteen.\n\nChannel 1: per month.\n\nChannel 0: Per month. Yes.\n\nChannel 1: Something's changed there, which I'll probably just leave it the same. But so the re the reason I put the ninety day waiting period in is because it dropped the the premium a bit.\n\nChannel 0: Premium. Mhmm.\n\nChannel 1: But work now so what you probably didn't hear about it. So work used to have a great sick leave policy that you used to have\n\nChannel 0: Policy?\n\nChannel 1: two, three days a year or about thereabouts,\n\nChannel 0: Yes. Yep.\n\nChannel 1: which once you on a on a eight and six roster, that's about three months. And\n\nChannel 0: Yes.\n\nChannel 1: then they\n\nChannel 0: Yep.\n\nChannel 1: would drop you down to your base pay without all your side allowances.\n\nChannel 0: Yep.\n\nChannel 1: So they realized that, oh my gosh, everyone's just bludging and, you know,\n\nChannel 0: Mhmm.\n\nChannel 1: we're really short on workers at work. So they've now changed it to fifteen six six days a year. And but you in case of serious illness or injury, you get twelve months at full pay.\n\nChannel 0: Twelve months. Full pay.\n\nChannel 1: So\n\nChannel 0: Okay.\n\nChannel 1: if I was to break my leg, get some disease or or whatever where I'm not able to work, they will\n\nChannel 0: Yep.\n\nChannel 1: now pay me my full wage for twelve months as opposed to the three months at full pay and then drop you down to a base salary.\n\nChannel 0: Okay.\n\nChannel 1: So I'd probably keep that the same just for but the one thing, yeah, I wanna know is how much these\n\nChannel 0: Premiums?\n\nChannel 1: are costing me,\n\nChannel 0: Yeah.\n\nChannel 1: the premiums\n\nChannel 0: That's like\n\nChannel 1: for both both the last dividend income and whether changing things affects the premium that much.\n\nChannel 0: So I guess, yes, we can definitely change things, and it will affect the premiums. The I guess the there's a couple of ways we can change the policy. One of the ways would be to to drop the benefit period. So it's currently a five year benefit period. You could drop it to two years, and that would that would bring the premium down.\n\nI'd have to quote it to find out exactly what it would drop the premium to, but it would would definitely help. Or the\n\nChannel 1: It won't help it won't help us on battling cancers without use.\n\nChannel 0: correct. Yes. It won't help in that way. There is one\n\nChannel 1: Yeah.\n\nChannel 0: benefit I haven't touched on yet because it falls a little bit outside of life TPD and IP, and that's trauma policy, which you're insured for $318,269.79. That's a lump sum payout that would give you money if you are battling cancer.\n\nChannel 1: Yep.\n\nChannel 0: That\n\nChannel 1: Is there\n\nChannel 0: that\n\nChannel 1: any can like, I mean, how does that what is that? Is that any cancer, any trauma? So I I fell off a ladder and snapped my pill. I don't know. You know, just plucking things out of the is it trauma like that?\n\nIs it\n\nChannel 0: Yeah. No. It's like medical trauma events. So, like, if you fell off a ladder and you severely impacted your brain, yes. If you there are some side benefits that, like, if anything had happened or if you did fall off a ladder, like, call me and, you know, so long as it's significance ish, like, if you just got a gas on your legs, no.\n\nBut if you're, you know, bed bed bound for, you know, two weeks because of it, then give me a call because there are benefits that we could probably look at claiming under that. It's very\n\nChannel 1: I\n\nChannel 0: situational that we'd have to sort of talk about,\n\nChannel 1: don't\n\nChannel 0: and I have to look at and pull apart the PDFs\n\nChannel 1: know.\n\nChannel 0: to make sure.\n\nChannel 1: And is that sort of do do they if you if I'm out on a jet not that I rode a jet ski, but if I'm out of jet ski,\n\nChannel 0: Yes.\n\nChannel 1: and do they, like, spray out upon on that, I guess, as opposed to\n\nChannel 0: Nope.\n\nChannel 1: me\n\nChannel 0: No.\n\nChannel 1: doing day to day or as opposed to an extreme sport kind of things?\n\nChannel 0: No.\n\nChannel 1: Not\n\nChannel 0: Do\n\nChannel 1: that\n\nChannel 0: you enjoy\n\nChannel 1: I'm a\n\nChannel 0: it?\n\nChannel 1: jet skier.\n\nChannel 0: No. No. If you were you were rock climbing or whatever the case may be, absolutely fine.\n\nChannel 1: Oh, okay.\n\nChannel 0: Not not\n\nChannel 1: It's\n\nChannel 0: an issue. You could\n\nChannel 1: good\n\nChannel 0: be\n\nChannel 1: to know.\n\nChannel 0: doing whatever it is that you're doing. It's whatever you're doing in your normal life. So let's just say you're up on the roof, fixing the roof of the the house, and you\n\nChannel 1: Gotcha.\n\nChannel 0: fell and something happened to you. You're covered there. If if if it's just anything in that realm\n\nChannel 1: Gotcha.\n\nChannel 0: that could possibly happen irrespective of whether you're at work or not. Now, obviously, if you're at work, work does help, but I don't know if you've ever been a part of or watched any of the guys go through a work cover claim. They do start dropping off in benefits. So, generally, they pay a 100%, and then it eventually drops to 90 and then 85 and then 65, and then they pay you out.\n\nChannel 1: Yep.\n\nChannel 0: And it doesn't give you, you know, any sort of longevity, which is where the secondary IP policy can kick in and where your TPD comes into effect if, you know, you're long term never able to work again. That 1.5 is obviously gonna pay off a little bit of mortgage and set you up with a massive lump sum. But if we ever went to claim, we could definitely look at what that would look like for you.\n\nChannel 1: No prob.\n\nChannel 0: Now premium I've skipped over it. So sorry. Premium is from your super fund for the life PPD and and IP is $1,896.60 per annum.\n\nChannel 1: 1,800\n\nChannel 0: So $1.08 $9.06 and\n\nChannel 1: and\n\nChannel 0: 60\n\nChannel 1: nine six per year.\n\nChannel 0: per year.\n\nChannel 1: That's\n\nChannel 0: And\n\nChannel 1: not\n\nChannel 0: then,\n\nChannel 1: that much. I thought it was more than that for some reason.\n\nChannel 0: no, it's actually quite reasonable. I've even triple checked when I had a look at it because\n\nChannel 1: Because because I work with explosives, that's always been a thing. But does my new job, because I'm less actually dealing with explosives, that changed at all?\n\nChannel 0: I wanna have a look at it. Like, I probably need a couple more questions to do with your job. I do wanna look and see whether we can get an occupation rating change to it. It is hard with Resolution Life just because they are what's called a grandfathered book. Like, they're no longer Resolution Life sold their book.\n\nOh, how long ago? Past a decade? More? Yeah. Probably about\n\nChannel 1: Was\n\nChannel 0: six\n\nChannel 1: that\n\nChannel 0: six,\n\nChannel 1: a and\n\nChannel 0: seven\n\nChannel 1: p?\n\nChannel 0: years ago? Yes. Yes. So it was used to be called AMP Elevate, and they\n\nChannel 1: Yeah.\n\nChannel 0: transitioned to Resolution Life and then grandfathered and sold their books. They sacked 90% of their workforce, and they only have a very small, basically, claims team that they that that work for them now. They just they got to a point as a as a insurer that they got they hit their cap. They weren't gonna insure any other people because the risk having reinsurers and underwriters and everything like that, they just made the decision that they weren't gonna write anyone. I love Resolution Life.\n\nDon't get me wrong. Like, in no way, shape, or form am I saying the product's not great. It is a fantastic product. And especially for someone in your occupation, they are pretty much the only people that will ensure your occupation. There's\n\nChannel 1: Yeah.\n\nChannel 0: not\n\nChannel 1: That's\n\nChannel 0: really\n\nChannel 1: right.\n\nChannel 0: any\n\nChannel 1: Because\n\nChannel 0: anyone\n\nChannel 1: I used\n\nChannel 0: on\n\nChannel 1: to\n\nChannel 0: the\n\nChannel 1: get\n\nChannel 0: market\n\nChannel 1: all these\n\nChannel 0: that\n\nChannel 1: phone\n\nChannel 0: do.\n\nChannel 1: calls from these random laughing serious people. And then you only have to say the word explosives and they just hang up on you.\n\nChannel 0: Yeah. Yeah. No one really ensures your your occupation.\n\nChannel 1: Yep.\n\nChannel 0: But I can definitely have a look to see whether there is something, and I sort of already wrote in my notes to have a look. It just sort of depends on, I guess, the percentage of how much you work with explosives now versus how much you did previously. Generally speaking, they kind of consider any explosives as explosives irrespective of percentage. And\n\nChannel 1: Gotcha.\n\nChannel 0: there's probably not gonna be a lot of movement, but it's still something I wanna look at anyway. Just\n\nChannel 1: But in saying that 1,000\n\nChannel 0: I\n\nChannel 1: eight\n\nChannel 0: think\n\nChannel 1: 100 a year is\n\nChannel 0: not\n\nChannel 1: instead\n\nChannel 0: bad.\n\nChannel 1: of my service, it is less than I thought.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: You\n\nChannel 1: that's yeah.\n\nChannel 0: yeah. No. You know, definitely not bad at all. You are paying for the trauma policy out of pocket, though. Let me just flip over to that policy because it's, like, 180 something.\n\nSorry. I had it up. Yeah. Go back. $181.31, and that's for the trauma policy.\n\nFor the trauma policy\n\nChannel 1: It's been months, ain't it?\n\nChannel 0: that's monthly. Yes. Yes. Yes. Yes.\n\nSorry. Yes.\n\nChannel 1: And what's that? Are you?\n\nChannel 0: Let me 131\n\nChannel 1: I have the year of the day access to a calculator.\n\nChannel 0: 2. No. You're okay. 217572. 217572.\n\nChannel 1: Yep. Those numbers aren't as big as I thought they were.\n\nChannel 0: Okay.\n\nChannel 1: You know, and and it's with any luck, my health holds down. It's a complete waste of money. But if it doesn't hold out and then they'll get crook, I'm sure I'll be very happy with it.\n\nChannel 0: Definitely. Did you want me to look at, like, decreasing the policy? Are you happy and comfortable with where the policy sits at the moment?\n\nChannel 1: Well,\n\nChannel 0: I\n\nChannel 1: I think so.\n\nChannel 0: Okay. I do know that, like,\n\nChannel 1: Just\n\nChannel 0: your\n\nChannel 1: because\n\nChannel 0: income\n\nChannel 1: those numbers\n\nChannel 0: protect\n\nChannel 1: are pretty numbers pretty good. If whatever happens and I get 3\n\nChannel 0: anything\n\nChannel 1: 100 and\n\nChannel 0: happens.\n\nChannel 1: 80 $18, then I'm sure that's gonna come in handy.\n\nChannel 0: Definitely.\n\nChannel 1: And if I cut it, I'm sure the 1.5 is the waffle we have here with that.\n\nChannel 0: I'm more than happy, I think. Oh, well, you know, it doesn't replace, but I guess it helps.\n\nChannel 1: Yeah.\n\nChannel 0: The one thing I did note when I was looking at everything and your income changed, so I was doing the math before, is that your income protection policy has increased a little bit further than what you would actually be able to claim on. So you know how I said you were insured for $13.09 $0.09 and\n\nChannel 1: Yeah.\n\nChannel 0: cents? Your income at a 185 for the policy only enables you to be covered for up to 75% of your income, which 75% of your income is actually $11.05 62 per month. So we can drop the income protection. It's gonna increase again down the\n\nChannel 1: Oh, so\n\nChannel 0: line.\n\nChannel 1: so I'm paying for $13.09 $0.09 per month in in the in the case\n\nChannel 0: In\n\nChannel 1: of\n\nChannel 0: a\n\nChannel 1: income\n\nChannel 0: benefit.\n\nChannel 1: protection, but\n\nChannel 0: Yep.\n\nChannel 1: then they're gonna give me $11.\n\nChannel 0: Yep. Because you can't be better off under claim than what you were working. Yeah. Frustrating. I know.\n\nSo we\n\nChannel 1: Probably\n\nChannel 0: can drop\n\nChannel 1: paying two months for that one the whole time ever.\n\nChannel 0: it's increased over time. So the policy CPIs and it increases. So it's increased over the last couple of couple of years, and it's popped just a little bit over. The last couple of increases, it's just been enough to push it. So it's just something that I mean, it was a lot higher, but you've obviously had that pay increase, so it's leveled out a little bit.\n\nIt's something that I did wanna raise with you and look at when we were looking at the insurance is just\n\nChannel 1: Yeah.\n\nChannel 0: to at least drop that income protection. The other consideration is that if we don't drop it and your income increases or we do drop it, sorry, and your income does increase, you'd be getting less than what your new income could possibly be if that made\n\nChannel 1: I have a\n\nChannel 0: sense.\n\nChannel 1: fair bit of confidence that at least work's gonna pay me pay me a minimum of one year so that that'll be you can double dip. Okay. They they don't so income protection, so I I fall over and break my pelvis. I like to pay\n\nChannel 0: Yep.\n\nChannel 1: break pelvis rather than something I'm gonna die from.\n\nChannel 0: Yep.\n\nChannel 1: Break my pelvis, they're gonna pay me 75% of the wage. So it was 11 and a half grand or whatever you said.\n\nChannel 0: Yep.\n\nChannel 1: Plus work will still pay me for at least one year. And\n\nChannel 0: It depends\n\nChannel 1: that that\n\nChannel 0: on\n\nChannel 1: that\n\nChannel 0: how it depends on how work pays you. If work's just paying you every month as if you were working, then no. The\n\nChannel 1: Oh,\n\nChannel 0: IP policy would kick in after.\n\nChannel 1: really?\n\nChannel 0: Yeah. So you would just continue to get the pay from work first, and then the IP policy\n\nChannel 1: Oh, you\n\nChannel 0: can\n\nChannel 1: can't\n\nChannel 0: kick\n\nChannel 1: double\n\nChannel 0: in.\n\nChannel 1: dip on that one.\n\nChannel 0: No.\n\nChannel 1: I was under the assumption you could double dip.\n\nChannel 0: No. Just like you can't double dip work cover with income protection either. They\n\nChannel 1: No.\n\nChannel 0: have to\n\nChannel 1: I understand the work cover.\n\nChannel 0: sit back to back. It's the same as if\n\nChannel 1: Oh,\n\nChannel 0: if you had sick leave, long service leave, annual leave. You could choose to use that up prior to your IP policy kicking in. You could use that leave up during the ninety day waiting period, and then the IP policy can kick in.\n\nChannel 1: Well,\n\nChannel 0: But\n\nChannel 1: so so in saying that, should I pump out the ninety day waiting period to to one year waiting period? Because I have confidence that my work will pay me for a year, and that that should reduce my pay with it.\n\nChannel 0: It'll reduce yeah. Yeah. 100%. It'll reduce what you pay. I'd have to look and see whether Resolution Life dual one year waiting periods.\n\nThey used to back in, like, a decade ago, but I'm not sure what they offer at the moment because a lot of insurers removed their six month, one year, two year waiting periods because people that are not supported for a long period of time, you know, when they're ill or injured, generally end up going on really long term claims. So insure sure as an industry made the determination to shorten waiting for only offered short waiting periods. So that way, basically, people would go on claim earlier, and then there's, you know, services that are offered through them under claim. I can definitely\n\nChannel 1: Interesting.\n\nChannel 0: look at it and see what how it affects the premium. But in saying that, you did say that your your your work changed their poll their their leave their sick leave policy. So\n\nChannel 1: Yes.\n\nChannel 0: do you have confidence that they won't change their sick leave policy in the future?\n\nChannel 1: Yeah. I'm pretty confident that they've it's a fairly rash decision to change your sick leave from fifty days to fifteen. A lot of disgruntled employees there, but it's, yeah, set in stone now that they wanna go back.\n\nChannel 0: Okay. So, I mean, if you're confident, I can definitely look at it and see whether they offer and what the what\n\nChannel 1: Because\n\nChannel 0: the basically\n\nChannel 1: that's that's the\n\nChannel 0: longest\n\nChannel 1: industry\n\nChannel 0: term.\n\nChannel 1: or actually, they're even above industry standard. Industry standard 10\n\nChannel 0: Yeah.\n\nChannel 1: days a year, I think, like,\n\nChannel 0: Yes. Correct.\n\nChannel 1: that leaves I've slipped another five days in there.\n\nChannel 0: Yeah. Yeah. Industry standard is ten ten sick and 20 annual.\n\nChannel 1: Yep.\n\nChannel 0: So they're definitely sitting above. But, yeah, I can I can definitely have a look and and quote it up and see what what is offerable?\n\nChannel 1: See how we go because, like I said, that 1,800 a year coming in with a super to pay for that and life isn't as scary as what I thought it was.\n\nChannel 0: Yeah. We're not talking $10.\n\nChannel 1: Yeah. That's right. Exactly.\n\nChannel 0: Yeah. Alright. Cool. I will investigate it and see what's offered there. Now I I wanna confirm that your wife sorry.\n\nThe hiccups. I wanna confirm that your wife, Shannon, is 100% the beneficiary on your life policy. That's still definitely the way you wanna hold it.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Perfect. Just thought I'd ask the question.\n\nChannel 1: Yeah. And and maybe we need to sort that wheel out because, I mean, the only other thing is the kids. So if we both cock it, then just leave everything kids, but I don't know how automatic that'll or does that get sticky if we're in a plane accident or a car accident and we both cock it? Is it as simple as that or\n\nChannel 0: It's\n\nChannel 1: is\n\nChannel 0: actually\n\nChannel 1: that where\n\nChannel 0: really\n\nChannel 1: without a wheel gets a bit tricky tricky?\n\nChannel 0: it it gets messy, but I it's it's actually kind of interesting. It it depends on survivorship laws, which you're in WA. So not a 100%, but I know that Queensland survivorship laws, and I'm pretty sure it's pretty much across country, is it's if you die at the same time, it's assumed that the older of the two passed away first, which means that the state of the older migrates\n\nChannel 1: Oh, that'll fit\n\nChannel 0: to the\n\nChannel 1: Catamax with Pigeons. They already fought over everything.\n\nChannel 0: yeah. So it means that the that your like, if you were older, your assets would might like, would basically settle onto Shannon, and then Shannon assets would settle onto wherever it needs to settle from there. So it's not that they both get get implemented at the same time. It's that it actually has to settle first to her and then then to someone else. With the superannuation fund, look, realistically, the kids are probably gonna be the prime candidate for it, but it does become\n\nChannel 1: Probably we've\n\nChannel 0: a little\n\nChannel 1: probably\n\nChannel 0: bit\n\nChannel 1: I\n\nChannel 0: messy.\n\nChannel 1: see where the wheel kicks in now because we've got an executive, which should be the brother-in-law. He's a sensible guy and a bit younger than us. So, I mean, I can put my mom or the wife's mom, but she's about getting too old for such a gig. So I spoke to brother-in-law to the sensible one as an executor, and he could he he's we I don't confidence that he'd make the right decision in such\n\nChannel 0: Yeah.\n\nChannel 1: a case.\n\nChannel 0: I think because the kids are so young, the biggest probably point to make is that, like, your your wills can literally mirror each other. I went and got a will. Me and my husband got one done for a grand, and we got two wills and two power of attorneys drawn up. So four documents for a thousand dollars. So it wasn't break the bank money.\n\nThey're wrong. You know, it wasn't expensive to live without, but it wasn't ridiculous. And then Mira will, so it means that if he passes away, everything comes to me and vice versa. If neither of the neither of us is surviving, then one of my poor sisters ends up with three kids and all their assets and blah blah blah blah per our wishes. And that's probably the biggest part that you need to consider is that what happens with the kids and who becomes their guardian, which is something that you can make a decision in on the will.\n\nChannel 1: Right. That'd be the also the brother-in-law, but and they\n\nChannel 0: Yes.\n\nChannel 1: they live in Bali, and they got three young kids. They get along because the cousins are great. It's all\n\nChannel 0: Winning.\n\nChannel 1: very it's all very because they wanna move back to WA anyway, I think. So that that would probably cool. We'll look after the kids when we're moving into your house.\n\nChannel 0: Yeah.\n\nChannel 1: And then it'd be a madhouse because there'd be five kids here, but they can do it with it.\n\nChannel 0: Yeah. Well, I mean, more kids the merrier in my book. Once you once\n\nChannel 1: Yeah.\n\nChannel 0: you hit\n\nChannel 1: And so\n\nChannel 0: the couple\n\nChannel 1: then then you'll be oh, jeez. Thank god you did the shed out. There's a bit of a granny flat.\n\nChannel 0: Yes.\n\nChannel 1: You found\n\nChannel 0: I'll\n\nChannel 1: me out there a bit.\n\nChannel 0: I'll need it.\n\nChannel 1: Yep.\n\nChannel 0: Now the one thing that is missing is while your insurance policy has the nomination made on it, your super fund doesn't. So I wanna get a beneficiary form out to you so you can fill it out, and we can pop it on the fund.\n\nChannel 1: Oh, so does that sort of supersede a wheel as far as the super is concerned?\n\nChannel 0: So your super fund your super your super or the insurance policy can either form part of the estate or can be held outside. So it means that the super policy currently, because there's no nomination, it's an estate asset. It will be assumed that you have a will, and the will will the the will is the document to follow. You don't,\n\nChannel 1: Yep.\n\nChannel 0: which means you're passing away intestate, which means that the money has to go through blah blah blah and all the, you know, fun things that has to go through. Realistically, because it's superannuation, your wife's gonna be the forefront, you know, contested for the money.\n\nChannel 1: Yeah.\n\nChannel 0: But the the the nomination document just makes things a lot smoother from a claims perspective. And it's something that we can put on file, set and forget. We remind you of it every year and just be like, it's this, which is still the standard, and you say yay or nay. And if we ever wanna update it, we can.\n\nChannel 1: And just and this is all very hypotheticals. We don't plan on dying anytime\n\nChannel 0: Yeah.\n\nChannel 1: particularly soon. But\n\nChannel 0: I don't know.\n\nChannel 1: if if I was to put the kids as the beneficiary, can they access it? So they have to wait till they're 18 or something, is it?\n\nChannel 0: So you can nominate the kids because your children will always be what's considered assist dependent, which is the superannuation industry legislation, your your children will always be assist dependent. Your children, once they turn 18 and or become nonfinancially dependent, so between 18 and 25, could have a tax element to it because they're non tax dependent, whereas your wife will always be a tax dependent while you're married. So there's tax considerations for any benefit from your super funds beneficial to go to your wife. But let's just say for argument's sake, something happened to you sooner rather than later. All you're doing to your wife is making her go through three sets of documentation rather than one.\n\nAnd, essentially, she's the one that's gonna end up with the money because she is the guardian for the children right now. So the money would just go to her through a full documentation for the kids.\n\nChannel 1: Wrong.\n\nChannel 0: Unless you had a trust set up where the money went to the trust and she would say, you know, the trustee for it and could control where it went and how it was dealt with through the trust and the trust documents. Essentially, from the super funds, the money just goes to your wife, and she uses it to support and look after your kids.\n\nChannel 1: Yep.\n\nChannel 0: So it's probably more of a conversation. There's no without having a will or a trust or specific\n\nChannel 1: I'm picking up what you put now. Just just hurry up and get a will, would you, is what you're saying?\n\nChannel 0: setups? Not really. Like, your your position is really simple, so it's it's good.\n\nChannel 1: Yeah.\n\nChannel 0: You know, me personally, I didn't wanna pay the $5 to to put a a a trust together. What I did was I wrote a letter to my sister in the event that both of us passed away, put it with my will, and it basically stipulates that I want x amount of money to be put in a savings account for each of my kids to be given to them on their 20 birthday.\n\nChannel 1: Yeah.\n\nChannel 0: That's all it says. The rest of the money is yours. The rest of the assets is yours. That's they're they're my wishes. Put that amount of money away, and that's that's my legacy to my kids because I know that, you know, while my kids are all very young, everything I'm leaving has to be used to raise them.\n\nChannel 1: Yeah.\n\nChannel 0: So you could do something similar if there's, you know, if that's what you wanna do, or you can go through the the the trust position. But, realistically, right this second, the biggest thing is is just get the nomination on file. Really just nominate your wife. There's no no requirement to nominate the kids.\n\nChannel 1: Yep.\n\nChannel 0: If anything happens in the future, sure, we can definitely revisit it. But a nomination to to Shannon is is much better than trying to split it three ways and make the paperwork three times harder.\n\nChannel 1: Yep.\n\nChannel 0: Cool. Amazing. Now I guess we've talked a lot. I have. I wanna know if there's anything else that you have question wise.\n\nI guess, actions for me at the moment is to send you the beneficiary form. I'm gonna have a look at other investment options to the Superfund, and then I'm gonna look at the insurance policy just to see what it looks like if we do extend it. Is there anything else you wanna look at or talk about?\n\nChannel 1: No. That's about it. That's\n\nChannel 0: Amazing.\n\nChannel 1: pretty good. I'm pretty happy with those numbers. It's only let's say, about $4, I guess, per year for all that insurance.\n\nChannel 0: Yeah. Yeah. Yeah. Just yeah. Just over.\n\n$4. Yeah.\n\nChannel 1: Yeah. And that's acceptable in my current situation, I think, for those numbers with, you know, for the payer numbers.\n\nChannel 0: Yeah. And if if you wanna change them, like, don't be wrong. It's a lot easier to reduce them than it is to increase them. And in your position, I probably\n\nChannel 1: Yep.\n\nChannel 0: wouldn't need increase. If you do wanna reduce them, we definitely can. So if you wanna, you know, drop down the the trauma policy so it's taking less of an impact on your back pocket, put more money into your savings\n\nChannel 1: No.\n\nChannel 0: from that perspective,\n\nChannel 1: Is\n\nChannel 0: that's\n\nChannel 1: is that\n\nChannel 0: definitely\n\nChannel 1: due to\n\nChannel 0: something\n\nChannel 1: go\n\nChannel 0: we\n\nChannel 1: up\n\nChannel 0: can do.\n\nChannel 1: every every year you get older?\n\nChannel 0: It will. Yes. It will increase each year as\n\nChannel 1: By\n\nChannel 0: you\n\nChannel 1: by\n\nChannel 0: get\n\nChannel 1: what\n\nChannel 0: older.\n\nChannel 1: kind of percentage, I guess? Because\n\nChannel 0: It's\n\nChannel 1: I'm 50 this year. But is 50 like a big number where they go, oh, cool. We're gonna plug you\n\nChannel 0: no.\n\nChannel 1: in. Or it's\n\nChannel 0: It's\n\nChannel 1: just percentage per year?\n\nChannel 0: it's percentage per year. It's pretty standard. It's based on, like, CPI or a limited CPI. It's not full.\n\nChannel 1: Okay.\n\nChannel 0: I I can I'll when I'm doing the research with the the income protection, I'll see if I can pull a future premium projection as well.\n\nChannel 1: Yeah.\n\nChannel 0: Okay? And\n\nChannel 1: That'll\n\nChannel 0: I can just pop\n\nChannel 1: that'll\n\nChannel 0: that\n\nChannel 1: come into play.\n\nChannel 0: as we migrate through. I'm just sorta I guess I'm just putting considerations forward because I like, you are on one one occupation. So I don't want, you know, things to cause massive issues for you cost of living wise because I don't know if you know, but\n\nChannel 1: No.\n\nChannel 0: the fuel's pretty expensive these days.\n\nChannel 1: You you I'm trying to fear factor fear me into it,\n\nChannel 0: No.\n\nChannel 1: but that's\n\nChannel 0: No. No.\n\nChannel 1: that's\n\nChannel 0: No.\n\nChannel 1: dead\n\nChannel 0: Not\n\nChannel 1: right.\n\nChannel 0: at all.\n\nChannel 1: I know. That riding bikes is saying. No.\n\nChannel 0: Right?\n\nChannel 1: That that's all pretty good. I'm pretty happy with all that.\n\nChannel 0: Perfect. Alright. Well, what I'll do is I'll get cracking. If you give\n\nChannel 1: Because\n\nChannel 0: me a\n\nChannel 1: realistically,\n\nChannel 0: couple of\n\nChannel 1: this is just the way my brain thinks. So if I'm\n\nChannel 0: yeah.\n\nChannel 1: getting, would you say, about $2 super contributions from work per month?\n\nChannel 0: It's $22,200 per annum. So, yeah, just the 1,800.\n\nChannel 1: 1,800. Certainly, that's I'm getting about eleven months of contribution after they pay for the $1.08 $9.06 per year for the loss and TBD income protection.\n\nChannel 0: Yes. Yeah. Yeah. That's definitely a way of putting it. Yeah.\n\nChannel 1: Yeah. That's just why my brain works. Sorry. And then\n\nChannel 0: No. I love it.\n\nChannel 1: I just have to cough up the 2,100 to pay for the trauma, which I'm happy enough with at this stage.\n\nChannel 0: Perfect.\n\nChannel 1: And and\n\nChannel 0: Amazing.\n\nChannel 1: just tell me about trauma. Do\n\nChannel 0: Mhmm.\n\nChannel 1: they and now if I just break my arm, I'm running out for six months. Do they it's it's not the full lump sum of $3.18 that they sort of do it per injury kind of thing. Is that the way that works? Or is it\n\nChannel 0: There\n\nChannel 1: just a standard $3.18 lump sum?\n\nChannel 0: there's different there's different claimable\n\nChannel 1: So\n\nChannel 0: events.\n\nChannel 1: I know\n\nChannel 0: So\n\nChannel 1: insurance companies. I don't I'm never on sort of insurance companies or scammers.\n\nChannel 0: they can be. The big the biggest claim buckets for a trauma policy are heart attacks, strokes, neurological conditions like your Parkinson's, Huntington's, muscular dystrophy, and then your cancers. So they're your big four buckets. So, like, it's your cardiovascular, neurological cancers. They're your massive claims.\n\nIt'll pretty much almost get you to the point of a full claim every time. Some cancers, depending on the grading severity, may see a partial. For example, testicular cancer, you know, grade, like, stage two removed and the cancer's done could get you a partial.\n\nChannel 1: Right.\n\nChannel 0: In terms of any other, like, specific events, it's event specific. I can definitely look at what would be claimable under those conditions. Each provider's different, and it's not something I keep as a traveling encyclopedia, you\n\nChannel 1: No.\n\nChannel 0: know, for the 15 different insurers exactly what is claimable. But there is there are there can be, I guess, is probably the best way to put it. There can be claims that that fall outside of those buckets. For loss of limb temporarily, you know, you could have, you know, severed fingers, arms broken. There are things along those lines that can fall into it.\n\nIt just depends on whether your policy does cover it. But as I'm as I'm looking through the insurance IP, I'll put together from your because your policy is older, which don't\n\nChannel 1: Okay.\n\nChannel 0: get me wrong, in\n\nChannel 1: I've\n\nChannel 0: this\n\nChannel 1: got\n\nChannel 0: day\n\nChannel 1: something\n\nChannel 0: and age,\n\nChannel 1: else\n\nChannel 0: it's better.\n\nChannel 1: I've\n\nChannel 0: I\n\nChannel 1: got\n\nChannel 0: can put\n\nChannel 1: something\n\nChannel 0: that\n\nChannel 1: else\n\nChannel 0: together\n\nChannel 1: to mention\n\nChannel 0: too.\n\nChannel 1: as well.\n\nChannel 0: Of course.\n\nChannel 1: Now when I've had that policy, I had to go through a lot of work to get rid of that hip injury.\n\nChannel 0: Exclusion?\n\nChannel 1: I think that I've had enough exclusion.\n\nChannel 0: Yep. Yep.\n\nChannel 1: So that was excluded into my knowledge. Can I just confirm that that's still the case, I guess? There's a lot of I went through I used to work to had to get neurologist reports and and all that kind of stuff to exclude but there was no exclusion for any\n\nChannel 0: To\n\nChannel 1: hereditary.\n\nChannel 0: remove\n\nChannel 1: It was\n\nChannel 0: it.\n\nChannel 1: like, yep. None of those that that they didn't so they would still pay out if my head had a relapse of the head injury, which is hasn't been the case for twenty five years or whatever it is.\n\nChannel 0: Yeah. No. There's there's\n\nChannel 1: Oh,\n\nChannel 0: no exclusion on the policy at all. So an exclusion is where they do not pay for it. So there's not an exclusion on the policy.\n\nChannel 1: cool.\n\nChannel 0: So, yeah, you're all kosher on that front.\n\nChannel 1: There was one there was one there because I had a harassment case and this is also, what, fifteen years ago. There's a harassment case at work and I went to the doctor and just had some time off because of work related stress. And then I I was honest when I took that policy out and I think they excluded stress and stuff like that. But what\n\nChannel 0: Mental\n\nChannel 1: you're saying, there\n\nChannel 0: health?\n\nChannel 1: was a yeah. Mental health.\n\nChannel 0: No. I mean, let me I can I'll contact them and and have a look, but I cannot currently see\n\nChannel 1: It was I mean, it's\n\nChannel 0: an\n\nChannel 1: it's\n\nChannel 0: exclusion.\n\nChannel 1: I didn't get diagnosed with mental health or stress related injuries. It was just I was just honest. They said, have you ever suffered stress? So I said, oh, you went to the doctor because I got grass at work and I just took some sick leave because of I wasn't, you know, fit for work.\n\nChannel 0: Yeah.\n\nChannel 1: It was not like to to to get diagnosed with stress is a whole different kettle of fish.\n\nChannel 0: Yeah. But, generally speaking, insurers, if it's been an extended period of time since the\n\nChannel 1: Yeah.\n\nChannel 0: event occurred when you take out the policy, then they're fine. If it's a one off event, it's fine. If it's there's\n\nChannel 1: Yep.\n\nChannel 0: a difference between acute and chronic, acute being because an event occurred that another reasonable person would also feel, you know,\n\nChannel 1: Yeah.\n\nChannel 0: attached to versus chronic being something that's long term.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah. I I will definitely double check, and I will include it in the email when I get all the data through. But I I can't see an exclusion at all for either mental health or for a brain injury, but I will\n\nChannel 1: Perfect.\n\nChannel 0: double double check.\n\nChannel 1: Now I went I went through a lot of the because I was worried about the brain injury, but through so my old financial adviser guy, he helped me through and he would\n\nChannel 0: Yeah.\n\nChannel 1: excluded that, I guess. Or, you know, so it was never gonna be a drama. There's never been a drama since.\n\nChannel 0: Yeah. You you you were ensured that the exclusion was removed\n\nChannel 1: Yeah. Yep.\n\nChannel 0: or that it\n\nChannel 1: And\n\nChannel 0: was\n\nChannel 1: I\n\nChannel 0: included\n\nChannel 1: I I would\n\nChannel 0: in\n\nChannel 1: take\n\nChannel 0: the\n\nChannel 1: it\n\nChannel 0: Volusia.\n\nChannel 1: from myself just to go to neurologist every couple of years just to go and have a chat and\n\nChannel 0: Yep.\n\nChannel 1: whatever. And and he's like, no. You're all good. Don't worry.\n\nChannel 0: Everything's fine. No. That's\n\nChannel 1: Yeah.\n\nChannel 0: good. Oh, perfect. Alright. Well, I've got a little bit of homework to do, which fantastic.\n\nChannel 1: Yep.\n\nChannel 0: You'll get an email from me. It'll probably take me a couple of weeks to get an answer from ResLife or Resolution Life just with regards to, like, the quotes and stuff like that. So I will send you an email through with the details when I get it. I haven't forgotten. It's just gonna take time to get it from them.\n\nChannel 1: No, bro.\n\nChannel 0: And, otherwise, I will include the trauma claims just so you have a little bit more in-depth, I guess, information on what is actually claimable, what what partial claims are available under your policy as well. And I will double check on the exclusions and ensure that they're definitely 1000% on none.\n\nChannel 1: No worries. Now my wife just walked out then, but maybe\n\nChannel 0: Yes.\n\nChannel 1: she's due for a catch up call. Not now, obviously, but at some stage in the next month.\n\nChannel 0: Yeah.\n\nChannel 1: Can we just book I can't see every day. I just have not had a chance to look at it, and I'm not happy with the performance of the last year. Well, you need to sort of talk to him to make that work. Yep. My wife looks putting it ahead in his hand or is it else to me?\n\nChannel 0: No. That's absolutely fine. I am more than happy to schedule in an appointment if she knows what availability.\n\nChannel 1: You you guys scheduling a phone call to her to schedule an appointment and then they're working at otherwise, I'll be in trouble.\n\nChannel 0: Absolutely. I I will send a text message to her after this to try and schedule in a time that will work.\n\nChannel 1: Yep. No problems.\n\nChannel 0: Absolutely. Now what I'm gonna do is I'm gonna send you a pack via email, and it's just gonna have a bit of a a summary on, like, where things fit, balance the figures that we we just ran through and you broke down. I did tell you I was gonna email it to you.\n\nChannel 1: Yep.\n\nChannel 0: I'll send that through to you so that way you have that. It also has our ongoing service agreement. So\n\nChannel 1: It seems it takes to book in the course. Mine was just, like, one thing, very slow in the whole of our year. And it's like Well, you need to talk to them about it. I'm not in charge of that. Okay.\n\nI'm just gonna have the chance to do my investigation into our budget. Oh, gee. She's forced to get that one.\n\nChannel 0: It they generally go hand in hand, feisty and calm. It works.\n\nChannel 1: No worries.\n\nChannel 0: So I will send you that email. Now we've changed our CRM or our our our data system, and it's all integrated with, like, any of our our email systems. So if it goes to your junk inbox, don't be surprised. But I am sending that now, so you'll get it within the next few minutes. Okay?\n\nChannel 1: Alright. Thanks very much.\n\nChannel 0: That's okay. And, otherwise, I'll touch base with you in a couple of weeks to just have a chat about the investment changes that I recommend after I do my little investigation.\n\nChannel 1: No worries.\n\nChannel 0: Cool. Perfect. Well, if there's any questions, feel free to reach out. But, otherwise, have a fantastic afternoon.\n\nChannel 1: Cheers. You too. Bye bye.\n\nChannel 0: Thanks, Greg. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.48,"end":0.98,"sentiment":"neutral","sentiment_score":0.0023024561814963818}],"sentiment":"neutral","sentiment_score":0.0023024561814963818,"channel":1,"num_words":1,"start":0.48,"end":0.98},{"sentences":[{"text":"Hi, Craig.","start":1.4399999,"end":2.1599998,"sentiment":"neutral","sentiment_score":-0.023042961955070496},{"text":"Sorry about that.","start":2.1599998,"end":3.12,"sentiment":"neutral","sentiment_score":-0.22641544540723166},{"text":"I","start":3.12,"end":3.28,"sentiment":"neutral","sentiment_score":-0.2356526106595993}],"sentiment":"neutral","sentiment_score":-0.16016414513190588,"channel":0,"num_words":6,"start":1.4399999,"end":3.28},{"sentences":[{"text":"No.","start":3.28,"end":3.52,"sentiment":"neutral","sentiment_score":-0.19116877019405365}],"sentiment":"neutral","sentiment_score":-0.19116877019405365,"channel":1,"num_words":1,"start":3.28,"end":3.52},{"sentences":[{"text":"don't","start":3.28,"end":3.52,"sentiment":"neutral","sentiment_score":-0.20636671781539917}],"sentiment":"neutral","sentiment_score":-0.20636671781539917,"channel":0,"num_words":1,"start":3.28,"end":3.52},{"sentences":[{"text":"That","start":3.52,"end":3.76,"sentiment":"neutral","sentiment_score":-0.2200018614530563}],"sentiment":"neutral","sentiment_score":-0.2200018614530563,"channel":1,"num_words":1,"start":3.52,"end":3.76},{"sentences":[{"text":"know","start":3.52,"end":3.76,"sentiment":"neutral","sentiment_score":-0.21826063096523285}],"sentiment":"neutral","sentiment_score":-0.21826063096523285,"channel":0,"num_words":1,"start":3.52,"end":3.76},{"sentences":[{"text":"was","start":3.76,"end":4.0,"sentiment":"neutral","sentiment_score":-0.24747657775878903}],"sentiment":"neutral","sentiment_score":-0.24747657775878903,"channel":1,"num_words":1,"start":3.76,"end":4.0},{"sentences":[{"text":"what happened.","start":3.76,"end":4.42,"sentiment":"neutral","sentiment_score":-0.2568206936120987}],"sentiment":"neutral","sentiment_score":-0.2568206936120987,"channel":0,"num_words":2,"start":3.76,"end":4.42},{"sentences":[{"text":"me.","start":4.0,"end":4.4,"sentiment":"neutral","sentiment_score":-0.08218439668416977},{"text":"Sorry.","start":4.4,"end":4.88,"sentiment":"neutral","sentiment_score":-0.14589421451091766},{"text":"I I pressed the wrong button.","start":4.88,"end":6.42,"sentiment":"neutral","sentiment_score":-0.13653672486543655}],"sentiment":"neutral","sentiment_score":-0.13091237004846334,"channel":1,"num_words":8,"start":4.0,"end":6.42},{"sentences":[{"text":"No.","start":7.04,"end":7.2799997,"sentiment":"neutral","sentiment_score":-0.1272522211074829},{"text":"That's okay.","start":7.2799997,"end":8.18,"sentiment":"neutral","sentiment_score":-0.07750559598207474},{"text":"I was like, hello?","start":8.24,"end":9.84,"sentiment":"neutral","sentiment_score":-0.04501656605862081},{"text":"Hello?","start":9.84,"end":10.16,"sentiment":"neutral","sentiment_score":-0.019734293222427368},{"text":"And then I looked at the phone.","start":10.16,"end":11.2,"sentiment":"neutral","sentiment_score":-0.09917674852269036}],"sentiment":"neutral","sentiment_score":-0.07842008067915837,"channel":0,"num_words":15,"start":7.04,"end":11.2},{"sentences":[{"text":"I was like, nope.","start":11.2,"end":12.16,"sentiment":"neutral","sentiment_score":-0.21986081078648567},{"text":"It's just totally gone.","start":12.16,"end":13.5199995,"sentiment":"negative","sentiment_score":-0.3769785463809967},{"text":"Anyway, our call is recorded.","start":13.5199995,"end":16.664999,"sentiment":"neutral","sentiment_score":0.02838200852274895},{"text":"And security, full name, date of birth, and address, please.","start":17.685,"end":21.145,"sentiment":"neutral","sentiment_score":0.043101674132049086}],"sentiment":"neutral","sentiment_score":-0.0788882889015519,"channel":0,"num_words":23,"start":11.2,"end":21.145},{"sentences":[{"text":"Craig Dickinson.","start":21.625,"end":22.525,"sentiment":"neutral","sentiment_score":0.01593128591775894},{"text":"11387620 Martha Street, Bakersfield 6162.","start":23.305,"end":27.63,"sentiment":"neutral","sentiment_score":0.02326018735766411}],"sentiment":"neutral","sentiment_score":0.021166215517691205,"channel":1,"num_words":7,"start":21.625,"end":27.63},{"sentences":[{"text":"6 16.","start":28.26,"end":29.140001,"sentiment":"neutral","sentiment_score":0.04464985616505146},{"text":"Perfect.","start":29.140001,"end":29.640001,"sentiment":"positive","sentiment_score":0.5428264141082764},{"text":"Absolutely amazing.","start":30.1,"end":31.240002,"sentiment":"positive","sentiment_score":0.7041892111301422},{"text":"So as I said before, the purpose of today's call is to go through and have an update, touch base with you, see if there's any areas of advice that you wanna ultimately look at, and and and sort of gauge where things are at for you and make sure that we're still on target to reach","start":31.54,"end":48.865,"sentiment":"neutral","sentiment_score":0.31201753072571337}],"sentiment":"neutral","sentiment_score":0.31976619032361814,"channel":0,"num_words":62,"start":28.26,"end":48.865},{"sentences":[{"text":"Yes.","start":49.625,"end":49.945,"sentiment":"neutral","sentiment_score":0.035855505615472794}],"sentiment":"neutral","sentiment_score":0.035855505615472794,"channel":1,"num_words":1,"start":49.625,"end":49.945},{"sentences":[{"text":"sorry.","start":49.645,"end":50.045002,"sentiment":"neutral","sentiment_score":0.004491496831178665}],"sentiment":"neutral","sentiment_score":0.004491496831178665,"channel":0,"num_words":1,"start":49.645,"end":50.045002},{"sentences":[{"text":"And","start":49.945,"end":50.184998,"sentiment":"neutral","sentiment_score":0.002327859401702881}],"sentiment":"neutral","sentiment_score":0.002327859401702881,"channel":1,"num_words":1,"start":49.945,"end":50.184998},{"sentences":[{"text":"Hiccups.","start":50.045002,"end":50.545002,"sentiment":"neutral","sentiment_score":-0.03301915153861046}],"sentiment":"neutral","sentiment_score":-0.03301915153861046,"channel":0,"num_words":1,"start":50.045002,"end":50.545002},{"sentences":[{"text":"I just like to know that all my","start":50.184998,"end":52.204998,"sentiment":"neutral","sentiment_score":0.049016071017831564}],"sentiment":"neutral","sentiment_score":0.049016071017831564,"channel":1,"num_words":8,"start":50.184998,"end":52.204998},{"sentences":[{"text":"Yeah.","start":51.885002,"end":52.385002,"sentiment":"neutral","sentiment_score":0.13975229859352112}],"sentiment":"neutral","sentiment_score":0.13975229859352112,"channel":0,"num_words":1,"start":51.885002,"end":52.385002},{"sentences":[{"text":"insurances and stuff are in place and all going good.","start":52.345,"end":56.34,"sentiment":"neutral","sentiment_score":0.25540138185024264}],"sentiment":"neutral","sentiment_score":0.25540138185024264,"channel":1,"num_words":10,"start":52.345,"end":56.34},{"sentences":[{"text":"Yeah.","start":57.100002,"end":57.420002,"sentiment":"neutral","sentiment_score":0.14725619554519653},{"text":"Okay.","start":57.420002,"end":57.66,"sentiment":"neutral","sentiment_score":0.2260502278804779},{"text":"Perfect.","start":57.66,"end":58.14,"sentiment":"positive","sentiment_score":0.3670298457145691},{"text":"So, specifically, we wanna look at where our insurances are sitting at the moment as well.","start":58.14,"end":62.620003,"sentiment":"neutral","sentiment_score":0.16502283001318574},{"text":"Absolutely.","start":62.620003,"end":63.120003,"sentiment":"positive","sentiment_score":0.4339504837989807}],"sentiment":"neutral","sentiment_score":0.1907326016575098,"channel":0,"num_words":20,"start":57.100002,"end":63.120003},{"sentences":[{"text":"We can do definitely do that.","start":63.18,"end":65.04,"sentiment":"positive","sentiment_score":0.49888186653455097},{"text":"So, I guess the first thing I generally like to look at is just making sure, that our records are most up up to date.","start":65.340004,"end":75.335,"sentiment":"neutral","sentiment_score":0.2320968824625015},{"text":"And the reason for that is is it it enables me to, I guess, identify anything that could possibly be an area for advice or, you know, make sure that everything's still kosher if there's been a significant change for you as well.","start":75.875,"end":88.340004,"sentiment":"neutral","sentiment_score":0.21174289234155833}],"sentiment":"neutral","sentiment_score":0.24190077880347097,"channel":0,"num_words":74,"start":63.18,"end":88.340004},{"sentences":[{"text":"No worries.","start":88.619995,"end":89.1,"sentiment":"neutral","sentiment_score":0.06181791052222252},{"text":"It's been a pay increase.","start":89.1,"end":90.479996,"sentiment":"neutral","sentiment_score":0.044808629155159},{"text":"It's the only thing that sort of changed.","start":90.78,"end":92.56,"sentiment":"neutral","sentiment_score":0.05685650184750557}],"sentiment":"neutral","sentiment_score":0.053502065440018974,"channel":1,"num_words":15,"start":88.619995,"end":92.56},{"sentences":[{"text":"Amazing.","start":93.455,"end":93.955,"sentiment":"neutral","sentiment_score":0.2604433298110962},{"text":"So what did our pay move up to?","start":94.495,"end":97.875,"sentiment":"neutral","sentiment_score":0.08119420194998384}],"sentiment":"neutral","sentiment_score":0.10111077171232966,"channel":0,"num_words":9,"start":93.455,"end":97.875},{"sentences":[{"text":"About $1.85.","start":98.795006,"end":100.095,"sentiment":"neutral","sentiment_score":0.028178956359624863}],"sentiment":"neutral","sentiment_score":0.028178956359624863,"channel":1,"num_words":2,"start":98.795006,"end":100.095},{"sentences":[{"text":"Fantastic.","start":101.055,"end":101.555,"sentiment":"neutral","sentiment_score":0.23441730439662933},{"text":"Because previously, we were sitting That's a bit of a pay increase.","start":101.695,"end":106.130005,"sentiment":"neutral","sentiment_score":-0.011762408229211966},{"text":"Well done.","start":106.43,"end":107.170006,"sentiment":"neutral","sentiment_score":0.1633300557732582}],"sentiment":"neutral","sentiment_score":0.02799523447950681,"channel":0,"num_words":15,"start":101.055,"end":107.170006},{"sentences":[{"text":"Yeah.","start":108.395004,"end":108.895004,"sentiment":"neutral","sentiment_score":0.02139938808977604},{"text":"Finally,","start":110.42,"end":110.92,"sentiment":"neutral","sentiment_score":-0.012802835553884506}],"sentiment":"neutral","sentiment_score":0.0042982762679457664,"channel":1,"num_words":2,"start":108.395004,"end":110.92},{"sentences":[{"text":"More responsibilities","start":110.43,"end":111.170006,"sentiment":"neutral","sentiment_score":-0.029143494553864002}],"sentiment":"neutral","sentiment_score":-0.029143494553864002,"channel":0,"num_words":2,"start":110.43,"end":111.170006},{"sentences":[{"text":"they're 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the","start":3350.395,"end":3351.115,"sentiment":"neutral","sentiment_score":0.005492442287504673}],"sentiment":"neutral","sentiment_score":0.005492442287504673,"channel":1,"num_words":3,"start":3350.395,"end":3351.115},{"sentences":[{"text":"longest","start":3351.01,"end":3351.49,"sentiment":"neutral","sentiment_score":0.01424754410982132}],"sentiment":"neutral","sentiment_score":0.01424754410982132,"channel":0,"num_words":1,"start":3351.01,"end":3351.49},{"sentences":[{"text":"industry","start":3351.115,"end":3351.435,"sentiment":"neutral","sentiment_score":0.010684475302696228}],"sentiment":"neutral","sentiment_score":0.010684475302696228,"channel":1,"num_words":1,"start":3351.115,"end":3351.435},{"sentences":[{"text":"term.","start":3351.49,"end":3351.99,"sentiment":"neutral","sentiment_score":0.04392126575112343}],"sentiment":"neutral","sentiment_score":0.04392126575112343,"channel":0,"num_words":1,"start":3351.49,"end":3351.99},{"sentences":[{"text":"or actually, they're even above industry standard.","start":3351.675,"end":3353.435,"sentiment":"neutral","sentiment_score":0.0368464541222368},{"text":"Industry standard 10","start":3353.435,"end":3354.395,"sentiment":"neutral","sentiment_score":-0.007380679870645206}],"sentiment":"neutral","sentiment_score":0.023578313924372197,"channel":1,"num_words":10,"start":3351.675,"end":3354.395},{"sentences":[{"text":"Yeah.","start":3354.29,"end":3354.79,"sentiment":"neutral","sentiment_score":-0.012929734773933887}],"sentiment":"neutral","sentiment_score":-0.012929734773933887,"channel":0,"num_words":1,"start":3354.29,"end":3354.79},{"sentences":[{"text":"days a year, I think, 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there.","start":3356.7952,"end":3359.375,"sentiment":"neutral","sentiment_score":-0.1779935426182217}],"sentiment":"neutral","sentiment_score":-0.1779935426182217,"channel":1,"num_words":9,"start":3356.7952,"end":3359.375},{"sentences":[{"text":"Yeah.","start":3359.6748,"end":3360.1748,"sentiment":"neutral","sentiment_score":-0.06716485321521759},{"text":"Yeah.","start":3360.315,"end":3360.635,"sentiment":"neutral","sentiment_score":-0.07552692294120789},{"text":"Industry standard is ten ten sick and 20 annual.","start":3360.635,"end":3364.9749,"sentiment":"neutral","sentiment_score":-0.13807054609060287}],"sentiment":"neutral","sentiment_score":-0.12593879008835013,"channel":0,"num_words":11,"start":3359.6748,"end":3364.9749},{"sentences":[{"text":"Yep.","start":3365.88,"end":3366.38,"sentiment":"neutral","sentiment_score":-0.01784280315041542}],"sentiment":"neutral","sentiment_score":-0.01784280315041542,"channel":1,"num_words":1,"start":3365.88,"end":3366.38},{"sentences":[{"text":"So they're definitely sitting above.","start":3368.73,"end":3370.51,"sentiment":"neutral","sentiment_score":-0.030189568549394606},{"text":"But, yeah, I can I can definitely have a look and and quote it up and see what what is offerable?","start":3370.57,"end":3375.55,"sentiment":"neutral","sentiment_score":0.14382162299894152}],"sentiment":"neutral","sentiment_score":0.11035793231656918,"channel":0,"num_words":26,"start":3368.73,"end":3375.55},{"sentences":[{"text":"See how we go because, like I said, that 1,800 a year coming in with a super to pay for that and life isn't as scary as what I thought it was.","start":3375.2048,"end":3382.905,"sentiment":"neutral","sentiment_score":-0.2065727540757507}],"sentiment":"neutral","sentiment_score":-0.2065727540757507,"channel":1,"num_words":32,"start":3375.2048,"end":3382.905},{"sentences":[{"text":"Yeah.","start":3383.065,"end":3383.305,"sentiment":"neutral","sentiment_score":-0.02329435758292675},{"text":"We're not talking $10.","start":3383.305,"end":3385.165,"sentiment":"neutral","sentiment_score":-0.07504241913557053}],"sentiment":"neutral","sentiment_score":-0.06469280682504178,"channel":0,"num_words":5,"start":3383.065,"end":3385.165},{"sentences":[{"text":"Yeah.","start":3385.9248,"end":3386.2449,"sentiment":"neutral","sentiment_score":0.02519736811518669},{"text":"That's right.","start":3386.2449,"end":3387.045,"sentiment":"neutral","sentiment_score":0.0986160896718502},{"text":"Exactly.","start":3387.045,"end":3387.545,"sentiment":"neutral","sentiment_score":0.1345355063676834}],"sentiment":"neutral","sentiment_score":0.08924126345664263,"channel":1,"num_words":4,"start":3385.9248,"end":3387.545},{"sentences":[{"text":"Yeah.","start":3388.185,"end":3388.505,"sentiment":"neutral","sentiment_score":0.139726459980011},{"text":"Alright.","start":3388.505,"end":3388.905,"sentiment":"neutral","sentiment_score":0.20640985667705536},{"text":"Cool.","start":3388.905,"end":3389.2249,"sentiment":"neutral","sentiment_score":0.3103976249694824},{"text":"I will investigate it and see what's offered there.","start":3389.2249,"end":3392.2048,"sentiment":"neutral","sentiment_score":0.2123880601591534},{"text":"Now I I wanna confirm that your wife sorry.","start":3393.24,"end":3399.72,"sentiment":"neutral","sentiment_score":-0.022695903562837176}],"sentiment":"neutral","sentiment_score":0.11256015957111404,"channel":0,"num_words":21,"start":3388.185,"end":3399.72},{"sentences":[{"text":"The hiccups.","start":3399.72,"end":3400.38,"sentiment":"neutral","sentiment_score":-0.18075025081634521},{"text":"I wanna confirm that your wife, Shannon, is 100% the beneficiary on your life policy.","start":3400.92,"end":3405.82,"sentiment":"positive","sentiment_score":0.5430459618568421},{"text":"That's still definitely the way you wanna hold it.","start":3407.24,"end":3410.405,"sentiment":"positive","sentiment_score":0.718594041135576}],"sentiment":"positive","sentiment_score":0.5481359729400048,"channel":0,"num_words":26,"start":3399.72,"end":3410.405},{"sentences":[{"text":"Yeah.","start":3411.0952,"end":3411.5952,"sentiment":"positive","sentiment_score":0.3426741659641266}],"sentiment":"positive","sentiment_score":0.3426741659641266,"channel":1,"num_words":1,"start":3411.0952,"end":3411.5952},{"sentences":[{"text":"Yep.","start":3411.8252,"end":3412.145,"sentiment":"positive","sentiment_score":0.400789350271225},{"text":"Perfect.","start":3412.145,"end":3412.645,"sentiment":"positive","sentiment_score":0.682520866394043},{"text":"Just thought I'd ask the question.","start":3412.945,"end":3414.405,"sentiment":"neutral","sentiment_score":0.2368340604007244}],"sentiment":"neutral","sentiment_score":0.3130393223837018,"channel":0,"num_words":8,"start":3411.8252,"end":3414.405},{"sentences":[{"text":"Yeah.","start":3413.94,"end":3414.18,"sentiment":"neutral","sentiment_score":0.08455799520015717},{"text":"And and maybe we need to sort that wheel out because, I mean, the only other thing is the kids.","start":3414.18,"end":3417.7,"sentiment":"neutral","sentiment_score":-0.028788547776639462},{"text":"So if we both cock it, then just leave everything kids, but I don't know how automatic that'll or does that get sticky if we're in a plane accident or a car accident and we both cock it?","start":3417.7,"end":3427.7651,"sentiment":"neutral","sentiment_score":-0.1813811169643151},{"text":"Is it as simple as that or","start":3428.0652,"end":3429.685,"sentiment":"neutral","sentiment_score":-0.021982325507061824}],"sentiment":"neutral","sentiment_score":-0.11420563156857635,"channel":1,"num_words":66,"start":3413.94,"end":3429.685},{"sentences":[{"text":"It's","start":3429.84,"end":3430.0,"sentiment":"neutral","sentiment_score":-0.09598386287689208}],"sentiment":"neutral","sentiment_score":-0.09598386287689208,"channel":0,"num_words":1,"start":3429.84,"end":3430.0},{"sentences":[{"text":"is","start":3429.905,"end":3430.0652,"sentiment":"neutral","sentiment_score":-0.10449984669685364}],"sentiment":"neutral","sentiment_score":-0.10449984669685364,"channel":1,"num_words":1,"start":3429.905,"end":3430.0652},{"sentences":[{"text":"actually","start":3430.0,"end":3430.4,"sentiment":"neutral","sentiment_score":-0.08041165769100189}],"sentiment":"neutral","sentiment_score":-0.08041165769100189,"channel":0,"num_words":1,"start":3430.0,"end":3430.4},{"sentences":[{"text":"that where","start":3430.0652,"end":3430.5452,"sentiment":"neutral","sentiment_score":-0.06772942468523979}],"sentiment":"neutral","sentiment_score":-0.06772942468523979,"channel":1,"num_words":2,"start":3430.0652,"end":3430.5452},{"sentences":[{"text":"really","start":3430.4,"end":3430.9,"sentiment":"neutral","sentiment_score":-0.10064557194709778}],"sentiment":"neutral","sentiment_score":-0.10064557194709778,"channel":0,"num_words":1,"start":3430.4,"end":3430.9},{"sentences":[{"text":"without a wheel gets a bit tricky tricky?","start":3430.5452,"end":3432.885,"sentiment":"neutral","sentiment_score":-0.20312528870999813}],"sentiment":"neutral","sentiment_score":-0.20312528870999813,"channel":1,"num_words":8,"start":3430.5452,"end":3432.885},{"sentences":[{"text":"it it gets messy, but I it's it's actually kind of interesting.","start":3432.41,"end":3436.465,"sentiment":"neutral","sentiment_score":-0.1106853944559892},{"text":"It it depends on survivorship laws, which you're in WA.","start":3436.465,"end":3442.725,"sentiment":"neutral","sentiment_score":-0.05520002022385597},{"text":"So not a 100%, but I know that Queensland survivorship laws, and I'm pretty sure it's pretty much across country, is it's if you die at the same time, it's assumed that the older of the two passed away first, which means that the state of the older migrates","start":3442.7852,"end":3459.31,"sentiment":"neutral","sentiment_score":-0.056242855911960404}],"sentiment":"neutral","sentiment_score":-0.0652975334562886,"channel":0,"num_words":71,"start":3432.41,"end":3459.31},{"sentences":[{"text":"Oh, that'll fit","start":3458.875,"end":3459.675,"sentiment":"neutral","sentiment_score":0.024038462589184444}],"sentiment":"neutral","sentiment_score":0.024038462589184444,"channel":1,"num_words":3,"start":3458.875,"end":3459.675},{"sentences":[{"text":"to 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cool.","start":3584.95,"end":3586.31,"sentiment":"neutral","sentiment_score":0.2672724078098933},{"text":"We'll look after the kids when we're moving into your house.","start":3586.31,"end":3588.57,"sentiment":"neutral","sentiment_score":0.21823002668944272}],"sentiment":"neutral","sentiment_score":0.20545513447253935,"channel":1,"num_words":31,"start":3581.27,"end":3588.57},{"sentences":[{"text":"Yeah.","start":3588.85,"end":3589.35,"sentiment":"neutral","sentiment_score":0.06288978457450867}],"sentiment":"neutral","sentiment_score":0.06288978457450867,"channel":0,"num_words":1,"start":3588.85,"end":3589.35},{"sentences":[{"text":"And then it'd be a madhouse because there'd be five kids here, but they can do it with 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once","start":3600.4448,"end":3602.125,"sentiment":"neutral","sentiment_score":0.0761228824655215}],"sentiment":"neutral","sentiment_score":0.20315836742520332,"channel":0,"num_words":14,"start":3596.6848,"end":3602.125},{"sentences":[{"text":"Yeah.","start":3602.125,"end":3602.365,"sentiment":"neutral","sentiment_score":0.046964146196842194}],"sentiment":"neutral","sentiment_score":0.046964146196842194,"channel":1,"num_words":1,"start":3602.125,"end":3602.365},{"sentences":[{"text":"you hit","start":3602.125,"end":3602.6848,"sentiment":"neutral","sentiment_score":0.0333718229085207}],"sentiment":"neutral","sentiment_score":0.0333718229085207,"channel":0,"num_words":2,"start":3602.125,"end":3602.6848},{"sentences":[{"text":"And so","start":3602.365,"end":3602.9248,"sentiment":"neutral","sentiment_score":0.02957935817539692}],"sentiment":"neutral","sentiment_score":0.02957935817539692,"channel":1,"num_words":2,"start":3602.365,"end":3602.9248},{"sentences":[{"text":"the couple","start":3602.6848,"end":3603.2449,"sentiment":"neutral","sentiment_score":0.04830080829560757}],"sentiment":"neutral","sentiment_score":0.04830080829560757,"channel":0,"num_words":2,"start":3602.6848,"end":3603.2449},{"sentences":[{"text":"then then you'll be oh, jeez.","start":3602.9248,"end":3604.285,"sentiment":"neutral","sentiment_score":0.04398401888708273},{"text":"Thank god you did the shed out.","start":3604.285,"end":3606.125,"sentiment":"neutral","sentiment_score":0.11128160676785878},{"text":"There's a bit of a granny flat.","start":3606.125,"end":3607.6648,"sentiment":"neutral","sentiment_score":-0.09695826790162496}],"sentiment":"neutral","sentiment_score":0.01820837426930666,"channel":1,"num_words":20,"start":3602.9248,"end":3607.6648},{"sentences":[{"text":"Yes.","start":3608.13,"end":3608.53,"sentiment":"neutral","sentiment_score":0.047580551356077194}],"sentiment":"neutral","sentiment_score":0.047580551356077194,"channel":0,"num_words":1,"start":3608.13,"end":3608.53},{"sentences":[{"text":"You found","start":3608.2,"end":3608.6,"sentiment":"neutral","sentiment_score":0.009769048541784286}],"sentiment":"neutral","sentiment_score":0.009769048541784286,"channel":1,"num_words":2,"start":3608.2,"end":3608.6},{"sentences":[{"text":"I'll","start":3608.53,"end":3609.03,"sentiment":"neutral","sentiment_score":0.016765480861067772}],"sentiment":"neutral","sentiment_score":0.016765480861067772,"channel":0,"num_words":1,"start":3608.53,"end":3609.03},{"sentences":[{"text":"me out there a bit.","start":3608.6,"end":3609.74,"sentiment":"neutral","sentiment_score":0.010106716305017471}],"sentiment":"neutral","sentiment_score":0.010106716305017471,"channel":1,"num_words":5,"start":3608.6,"end":3609.74},{"sentences":[{"text":"I'll need it.","start":3609.25,"end":3610.07,"sentiment":"neutral","sentiment_score":0.01398183824494481}],"sentiment":"neutral","sentiment_score":0.01398183824494481,"channel":0,"num_words":3,"start":3609.25,"end":3610.07},{"sentences":[{"text":"Yep.","start":3610.52,"end":3611.02,"sentiment":"neutral","sentiment_score":0.002440309850499034}],"sentiment":"neutral","sentiment_score":0.002440309850499034,"channel":1,"num_words":1,"start":3610.52,"end":3611.02},{"sentences":[{"text":"Now the one thing that is missing is while your insurance policy has the nomination made on it, your super fund doesn't.","start":3612.05,"end":3619.43,"sentiment":"neutral","sentiment_score":-0.22467747432264415},{"text":"So I wanna get a beneficiary form out to you so you can fill it out, and we can pop it on the fund.","start":3620.865,"end":3627.845,"sentiment":"neutral","sentiment_score":0.22996545055260262}],"sentiment":"neutral","sentiment_score":0.01252752996009329,"channel":0,"num_words":46,"start":3612.05,"end":3627.845},{"sentences":[{"text":"Oh, so does that sort of supersede a wheel as far as the super is concerned?","start":3628.085,"end":3631.945,"sentiment":"neutral","sentiment_score":-0.006558683700859547}],"sentiment":"neutral","sentiment_score":-0.006558683700859547,"channel":1,"num_words":16,"start":3628.085,"end":3631.945},{"sentences":[{"text":"So your super fund your super your super or the insurance policy can either form part of the estate or can be held outside.","start":3633.44,"end":3639.46,"sentiment":"neutral","sentiment_score":0.01877117607121666},{"text":"So it means that the super policy currently, because there's no nomination, it's an estate asset.","start":3639.52,"end":3645.015,"sentiment":"neutral","sentiment_score":0.022250729001825675},{"text":"It will be assumed that you have a will, and the will will the the will is the document to follow.","start":3645.015,"end":3652.875,"sentiment":"neutral","sentiment_score":0.06738882848904246},{"text":"You don't,","start":3653.015,"end":3653.575,"sentiment":"neutral","sentiment_score":-0.13737917691469193}],"sentiment":"neutral","sentiment_score":0.030903602129824105,"channel":0,"num_words":63,"start":3633.44,"end":3653.575},{"sentences":[{"text":"Yep.","start":3653.445,"end":3653.945,"sentiment":"neutral","sentiment_score":-0.1598421335220337}],"sentiment":"neutral","sentiment_score":-0.1598421335220337,"channel":1,"num_words":1,"start":3653.445,"end":3653.945},{"sentences":[{"text":"which means you're passing away intestate, which means that the money has to go through blah blah blah and all the, you know, fun things that has to go through.","start":3653.575,"end":3661.85,"sentiment":"neutral","sentiment_score":-0.29451188643773396},{"text":"Realistically, because it's superannuation, your wife's gonna be the forefront, you know, contested for the money.","start":3663.67,"end":3669.05,"sentiment":"neutral","sentiment_score":-0.14409242756664753}],"sentiment":"neutral","sentiment_score":-0.2421920746564865,"channel":0,"num_words":46,"start":3653.575,"end":3669.05},{"sentences":[{"text":"Yeah.","start":3669.42,"end":3669.92,"sentiment":"neutral","sentiment_score":0.145035058259964}],"sentiment":"neutral","sentiment_score":0.145035058259964,"channel":1,"num_words":1,"start":3669.42,"end":3669.92},{"sentences":[{"text":"But the the the nomination document just makes things a lot smoother from a claims perspective.","start":3671.2048,"end":3675.785,"sentiment":"positive","sentiment_score":0.43982654996216297},{"text":"And it's something that we can put on file, set and forget.","start":3676.6448,"end":3679.285,"sentiment":"positive","sentiment_score":0.4281336988011996},{"text":"We remind you of it every year and just be like, it's this, which is still the standard, and you say yay or nay.","start":3679.285,"end":3685.53,"sentiment":"neutral","sentiment_score":0.280682606001695},{"text":"And if we ever wanna update it, we can.","start":3685.53,"end":3687.31,"sentiment":"neutral","sentiment_score":0.16171476162142223}],"sentiment":"positive","sentiment_score":0.33387941940397514,"channel":0,"num_words":61,"start":3671.2048,"end":3687.31},{"sentences":[{"text":"And just and this is all very hypotheticals.","start":3687.945,"end":3690.8198,"sentiment":"neutral","sentiment_score":-0.06908885575830936},{"text":"We don't plan on dying anytime","start":3690.8198,"end":3692.18,"sentiment":"negative","sentiment_score":-0.3409870117902756}],"sentiment":"neutral","sentiment_score":-0.18561663691486632,"channel":1,"num_words":14,"start":3687.945,"end":3692.18},{"sentences":[{"text":"Yeah.","start":3691.9302,"end":3692.4302,"sentiment":"neutral","sentiment_score":-0.18379756808280945}],"sentiment":"neutral","sentiment_score":-0.18379756808280945,"channel":0,"num_words":1,"start":3691.9302,"end":3692.4302},{"sentences":[{"text":"particularly soon.","start":3692.18,"end":3692.98,"sentiment":"neutral","sentiment_score":-0.18000319600105286},{"text":"But","start":3692.98,"end":3693.48,"sentiment":"neutral","sentiment_score":-0.11462967097759248}],"sentiment":"neutral","sentiment_score":-0.15821202099323273,"channel":1,"num_words":3,"start":3692.18,"end":3693.48},{"sentences":[{"text":"I don't know.","start":3693.61,"end":3694.4302,"sentiment":"neutral","sentiment_score":-0.1515408456325531}],"sentiment":"neutral","sentiment_score":-0.1515408456325531,"channel":0,"num_words":3,"start":3693.61,"end":3694.4302},{"sentences":[{"text":"if if I was to put the kids as the beneficiary, can they access it?","start":3694.18,"end":3698.98,"sentiment":"neutral","sentiment_score":-0.04641508546968301},{"text":"So they have to wait till they're 18 or something, is it?","start":3698.98,"end":3701.5598,"sentiment":"neutral","sentiment_score":-0.05510813153038422}],"sentiment":"neutral","sentiment_score":-0.050278661496661325,"channel":1,"num_words":27,"start":3694.18,"end":3701.5598},{"sentences":[{"text":"So you can nominate the kids because your children will always be what's considered assist dependent, which is the superannuation industry legislation, your your children will always be assist dependent.","start":3702.5051,"end":3714.5,"sentiment":"neutral","sentiment_score":0.11124771013855934},{"text":"Your children, once they turn 18 and or become nonfinancially dependent, so between 18 and 25, could have a tax element to it because they're non tax dependent, whereas your wife will always be a tax dependent while you're married.","start":3714.64,"end":3728.035,"sentiment":"neutral","sentiment_score":0.041640129219740626},{"text":"So there's tax considerations for any benefit from your super funds beneficial to go to your wife.","start":3729.055,"end":3734.2551,"sentiment":"neutral","sentiment_score":0.2369008432416355},{"text":"But let's just say for argument's sake, something happened to you sooner rather than later.","start":3734.2551,"end":3738.0,"sentiment":"neutral","sentiment_score":-0.17059330542882284},{"text":"All you're doing to your wife is making her go through three sets of documentation rather than one.","start":3739.04,"end":3743.3,"sentiment":"neutral","sentiment_score":-0.04248178928780059}],"sentiment":"neutral","sentiment_score":0.0475564918286788,"channel":0,"num_words":120,"start":3702.5051,"end":3743.3},{"sentences":[{"text":"And, essentially, she's the one that's gonna end up with the money because she is the guardian for the children right now.","start":3743.6,"end":3751.2,"sentiment":"neutral","sentiment_score":-0.006117873274805871},{"text":"So the money would just go to her through a full documentation for the kids.","start":3751.2,"end":3755.665,"sentiment":"neutral","sentiment_score":-0.02104541187485059}],"sentiment":"neutral","sentiment_score":-0.012169578112661839,"channel":0,"num_words":37,"start":3743.6,"end":3755.665},{"sentences":[{"text":"Wrong.","start":3756.26,"end":3756.76,"sentiment":"negative","sentiment_score":-0.43596798181533813}],"sentiment":"negative","sentiment_score":-0.43596798181533813,"channel":1,"num_words":1,"start":3756.26,"end":3756.76},{"sentences":[{"text":"Unless you had a trust set up where the money went to the trust and she would say, you know, the trustee for it and could control where it went and how it was dealt with through the trust and the trust documents.","start":3756.365,"end":3766.705,"sentiment":"neutral","sentiment_score":-0.2623788641635762},{"text":"Essentially, from the super funds, the money just goes to your wife, and she uses it to support and look after your kids.","start":3767.8499,"end":3773.3098,"sentiment":"neutral","sentiment_score":-0.04767379375255626}],"sentiment":"neutral","sentiment_score":-0.18755740023246317,"channel":0,"num_words":66,"start":3756.365,"end":3773.3098},{"sentences":[{"text":"Yep.","start":3773.695,"end":3774.195,"sentiment":"neutral","sentiment_score":0.12508827447891235}],"sentiment":"neutral","sentiment_score":0.12508827447891235,"channel":1,"num_words":1,"start":3773.695,"end":3774.195},{"sentences":[{"text":"So it's probably more of a conversation.","start":3774.89,"end":3777.63,"sentiment":"neutral","sentiment_score":0.15093378509793962},{"text":"There's no without having a will or a trust or specific","start":3777.93,"end":3782.51,"sentiment":"neutral","sentiment_score":0.12743526764891364}],"sentiment":"neutral","sentiment_score":0.13657357999020153,"channel":0,"num_words":18,"start":3774.89,"end":3782.51},{"sentences":[{"text":"I'm picking up what you put now.","start":3783.01,"end":3784.53,"sentiment":"neutral","sentiment_score":0.1322048231959343},{"text":"Just just hurry up and get a will, would you, is what you're saying?","start":3784.53,"end":3787.51,"sentiment":"neutral","sentiment_score":0.14009297692349978}],"sentiment":"neutral","sentiment_score":0.13746359234764463,"channel":1,"num_words":21,"start":3783.01,"end":3787.51},{"sentences":[{"text":"setups?","start":3787.665,"end":3788.165,"sentiment":"neutral","sentiment_score":0.034669212996959686},{"text":"Not really.","start":3788.305,"end":3788.945,"sentiment":"neutral","sentiment_score":-0.11293304711580278},{"text":"Like, your your position is really simple, so it's it's good.","start":3788.945,"end":3791.845,"sentiment":"positive","sentiment_score":0.36954729191281577}],"sentiment":"neutral","sentiment_score":0.2767016664147377,"channel":0,"num_words":14,"start":3787.665,"end":3791.845},{"sentences":[{"text":"Yeah.","start":3792.265,"end":3792.765,"sentiment":"neutral","sentiment_score":0.11601945757865906}],"sentiment":"neutral","sentiment_score":0.11601945757865906,"channel":1,"num_words":1,"start":3792.265,"end":3792.765},{"sentences":[{"text":"You know, me personally, I didn't wanna pay the $5 to to put a a a trust together.","start":3792.545,"end":3798.565,"sentiment":"neutral","sentiment_score":-0.0034429236418671086},{"text":"What I did was I wrote a letter to my sister in the event that both of us passed away, put it with my will, and it basically stipulates that I want x amount of money to be put in a savings account for each of my kids to be given to them on their 20 birthday.","start":3798.81,"end":3810.35,"sentiment":"neutral","sentiment_score":0.0881854630353158}],"sentiment":"neutral","sentiment_score":0.0661946502327919,"channel":0,"num_words":75,"start":3792.545,"end":3810.35},{"sentences":[{"text":"Yeah.","start":3810.92,"end":3811.42,"sentiment":"neutral","sentiment_score":0.05021623522043228}],"sentiment":"neutral","sentiment_score":0.05021623522043228,"channel":1,"num_words":1,"start":3810.92,"end":3811.42},{"sentences":[{"text":"That's all it says.","start":3810.9248,"end":3811.4849,"sentiment":"neutral","sentiment_score":0.038328967057168484},{"text":"The rest of the money is yours.","start":3811.4849,"end":3812.605,"sentiment":"neutral","sentiment_score":0.013489020190068654},{"text":"The rest of the assets is yours.","start":3812.605,"end":3813.9648,"sentiment":"neutral","sentiment_score":0.03633361629077366},{"text":"That's they're they're my wishes.","start":3813.9648,"end":3815.505,"sentiment":"neutral","sentiment_score":0.05625458881258964},{"text":"Put that amount of money away, and that's that's my legacy to my kids because I know that, you know, while my kids are all very young, everything I'm leaving has to be used to raise them.","start":3815.7249,"end":3823.9048,"sentiment":"neutral","sentiment_score":-0.022403040812728373}],"sentiment":"neutral","sentiment_score":-0.0007594207068905235,"channel":0,"num_words":60,"start":3810.9248,"end":3823.9048},{"sentences":[{"text":"Yeah.","start":3825.4548,"end":3825.9548,"sentiment":"neutral","sentiment_score":0.13125064969062805}],"sentiment":"neutral","sentiment_score":0.13125064969062805,"channel":1,"num_words":1,"start":3825.4548,"end":3825.9548},{"sentences":[{"text":"So you could do something similar if there's, you know, if that's what you wanna do, or you can go through the the the trust 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future, sure, we can definitely revisit it.","start":3843.025,"end":3847.2048,"sentiment":"neutral","sentiment_score":0.1135036526247859},{"text":"But a nomination to to Shannon is is much better than trying to split it three ways and make the paperwork three times harder.","start":3847.825,"end":3855.09,"sentiment":"neutral","sentiment_score":0.10263139382004738}],"sentiment":"neutral","sentiment_score":0.10625548008829355,"channel":0,"num_words":36,"start":3843.025,"end":3855.09},{"sentences":[{"text":"Yep.","start":3857.115,"end":3857.615,"sentiment":"positive","sentiment_score":0.34632939100265503}],"sentiment":"positive","sentiment_score":0.34632939100265503,"channel":1,"num_words":1,"start":3857.115,"end":3857.615},{"sentences":[{"text":"Cool.","start":3858.29,"end":3858.79,"sentiment":"positive","sentiment_score":0.6798281073570251},{"text":"Amazing.","start":3860.29,"end":3860.79,"sentiment":"positive","sentiment_score":0.7130364179611206},{"text":"Now I guess we've talked a lot.","start":3860.9302,"end":3863.4302,"sentiment":"neutral","sentiment_score":0.2907307296991348},{"text":"I have.","start":3863.57,"end":3864.23,"sentiment":"neutral","sentiment_score":0.09875235706567764},{"text":"I wanna know if there's anything else that you have question wise.","start":3866.2102,"end":3870.07,"sentiment":"neutral","sentiment_score":0.07995224216332038}],"sentiment":"neutral","sentiment_score":0.19934396753492561,"channel":0,"num_words":23,"start":3858.29,"end":3870.07},{"sentences":[{"text":"I guess, actions for me at the moment is to send you the beneficiary form.","start":3870.675,"end":3874.195,"sentiment":"neutral","sentiment_score":0.06200633570551872},{"text":"I'm gonna have a look at other investment options to the Superfund, and then I'm gonna look at the insurance policy just to see what it looks like if we do extend it.","start":3874.195,"end":3883.2551,"sentiment":"neutral","sentiment_score":0.0910321187340852},{"text":"Is there anything else you wanna look at or talk about?","start":3883.475,"end":3886.135,"sentiment":"neutral","sentiment_score":0.02996494781903245}],"sentiment":"neutral","sentiment_score":0.0722672776240161,"channel":0,"num_words":59,"start":3870.675,"end":3886.135},{"sentences":[{"text":"No.","start":3887.14,"end":3887.64,"sentiment":"neutral","sentiment_score":-0.008637528866529465},{"text":"That's about it.","start":3887.7,"end":3888.8398,"sentiment":"neutral","sentiment_score":-0.016217879126391683},{"text":"That's","start":3889.38,"end":3889.7,"sentiment":"positive","sentiment_score":0.5330878496170044}],"sentiment":"neutral","sentiment_score":0.09515933667425998,"channel":1,"num_words":5,"start":3887.14,"end":3889.7},{"sentences":[{"text":"Amazing.","start":3889.69,"end":3890.19,"sentiment":"positive","sentiment_score":0.5798197984695435}],"sentiment":"positive","sentiment_score":0.5798197984695435,"channel":0,"num_words":1,"start":3889.69,"end":3890.19},{"sentences":[{"text":"pretty good.","start":3889.7,"end":3890.0999,"sentiment":"positive","sentiment_score":0.5864504873752594},{"text":"I'm pretty happy with those numbers.","start":3890.0999,"end":3891.5398,"sentiment":"positive","sentiment_score":0.6288834810256958},{"text":"It's only let's say, about $4, I guess, per year for all that insurance.","start":3891.5398,"end":3897.9348,"sentiment":"neutral","sentiment_score":0.13733761651175364}],"sentiment":"neutral","sentiment_score":0.3122240223667838,"channel":1,"num_words":22,"start":3889.7,"end":3897.9348},{"sentences":[{"text":"Yeah.","start":3899.465,"end":3899.865,"sentiment":"neutral","sentiment_score":0.06821427494287491},{"text":"Yeah.","start":3899.865,"end":3900.105,"sentiment":"neutral","sentiment_score":0.059162843972444534},{"text":"Yeah.","start":3900.105,"end":3900.425,"sentiment":"neutral","sentiment_score":0.051866866648197174},{"text":"Just 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month.","start":4433.7246,"end":4440.545,"sentiment":"neutral","sentiment_score":-0.11668842285871506}],"sentiment":"neutral","sentiment_score":-0.08356587257650164,"channel":1,"num_words":18,"start":4430.565,"end":4440.545},{"sentences":[{"text":"Yeah.","start":4441.855,"end":4442.355,"sentiment":"neutral","sentiment_score":-0.1502060741186142}],"sentiment":"neutral","sentiment_score":-0.1502060741186142,"channel":0,"num_words":1,"start":4441.855,"end":4442.355},{"sentences":[{"text":"Can we just book I can't see every day.","start":4443.11,"end":4444.87,"sentiment":"negative","sentiment_score":-0.33422335982322693},{"text":"I just have not had a chance to look at it, and I'm not happy with the performance of the last year.","start":4444.87,"end":4449.69,"sentiment":"negative","sentiment_score":-0.5200761874968355},{"text":"Well, you need to sort of talk to him to make that work.","start":4449.75,"end":4452.17,"sentiment":"neutral","sentiment_score":-0.015542878267856745},{"text":"Yep.","start":4454.39,"end":4454.71,"sentiment":"neutral","sentiment_score":0.023849492892622948},{"text":"My wife looks putting it ahead in his hand or is it else to me?","start":4454.71,"end":4458.17,"sentiment":"neutral","sentiment_score":-0.07178846349318822}],"sentiment":"neutral","sentiment_score":-0.261745354005446,"channel":1,"num_words":60,"start":4443.11,"end":4458.17},{"sentences":[{"text":"No.","start":4458.75,"end":4459.15,"sentiment":"neutral","sentiment_score":-0.0709678903222084},{"text":"That's absolutely fine.","start":4459.15,"end":4460.61,"sentiment":"neutral","sentiment_score":0.25873952110608417},{"text":"I am more than happy to schedule in an appointment if she knows what availability.","start":4461.23,"end":4466.6147,"sentiment":"positive","sentiment_score":0.48459203640619913}],"sentiment":"positive","sentiment_score":0.41969111679415955,"channel":0,"num_words":19,"start":4458.75,"end":4466.6147},{"sentences":[{"text":"You you guys scheduling a phone call to her to schedule an appointment and then they're working at otherwise, I'll be in trouble.","start":4466.175,"end":4472.835,"sentiment":"neutral","sentiment_score":-0.03199229033096977}],"sentiment":"neutral","sentiment_score":-0.03199229033096977,"channel":1,"num_words":23,"start":4466.175,"end":4472.835},{"sentences":[{"text":"Absolutely.","start":4473.155,"end":4473.655,"sentiment":"neutral","sentiment_score":0.26732587814331055},{"text":"I I will send a text message to her after this to try and schedule in a time that will work.","start":4475.3945,"end":4481.4946,"sentiment":"neutral","sentiment_score":0.21530780125231969}],"sentiment":"neutral","sentiment_score":0.21767225929281928,"channel":0,"num_words":22,"start":4473.155,"end":4481.4946},{"sentences":[{"text":"Yep.","start":4481.34,"end":4481.84,"sentiment":"neutral","sentiment_score":0.15601849555969238},{"text":"No problems.","start":4482.2197,"end":4482.88,"sentiment":"neutral","sentiment_score":0.2351016253232956}],"sentiment":"neutral","sentiment_score":0.2087405820687612,"channel":1,"num_words":3,"start":4481.34,"end":4482.88},{"sentences":[{"text":"Absolutely.","start":4483.28,"end":4483.78,"sentiment":"neutral","sentiment_score":0.31627076864242554},{"text":"Now what I'm gonna do is I'm gonna send you a pack via email, and it's just gonna have a bit of a a summary on, like, where things fit, balance the figures that we we just ran through and you broke down.","start":4484.08,"end":4495.86,"sentiment":"neutral","sentiment_score":0.18679556042649026},{"text":"I did tell you I was gonna email it to you.","start":4495.905,"end":4498.005,"sentiment":"neutral","sentiment_score":0.11176029186357152}],"sentiment":"neutral","sentiment_score":0.1741426014087417,"channel":0,"num_words":55,"start":4483.28,"end":4498.005},{"sentences":[{"text":"Yep.","start":4498.925,"end":4499.425,"sentiment":"neutral","sentiment_score":0.14438335597515106}],"sentiment":"neutral","sentiment_score":0.14438335597515106,"channel":1,"num_words":1,"start":4498.925,"end":4499.425},{"sentences":[{"text":"I'll send that through to you so that way you have that.","start":4498.945,"end":4502.465,"sentiment":"neutral","sentiment_score":0.19222326328357062},{"text":"It also has our ongoing service agreement.","start":4502.465,"end":4505.585,"sentiment":"neutral","sentiment_score":0.06610840133258275},{"text":"So","start":4505.585,"end":4506.085,"sentiment":"neutral","sentiment_score":0.014396633952856064}],"sentiment":"neutral","sentiment_score":0.13919173013418912,"channel":0,"num_words":20,"start":4498.945,"end":4506.085},{"sentences":[{"text":"It seems it takes to book in the course.","start":4505.75,"end":4508.17,"sentiment":"neutral","sentiment_score":-0.04234461279378997},{"text":"Mine was just, like, one thing, very slow in the whole of our year.","start":4508.3896,"end":4511.03,"sentiment":"neutral","sentiment_score":-0.29861861893108915},{"text":"And it's like Well, you need to talk to them about it.","start":4511.03,"end":4512.8696,"sentiment":"neutral","sentiment_score":-0.15616468402246633},{"text":"I'm not in charge of that.","start":4512.8696,"end":4514.205,"sentiment":"neutral","sentiment_score":-0.21782788385947546},{"text":"Okay.","start":4514.845,"end":4515.245,"sentiment":"neutral","sentiment_score":-0.05922333151102066}],"sentiment":"neutral","sentiment_score":-0.18576021483611493,"channel":1,"num_words":42,"start":4505.75,"end":4515.245},{"sentences":[{"text":"I'm just gonna have the chance to do my investigation into our budget.","start":4515.245,"end":4518.545,"sentiment":"neutral","sentiment_score":-0.018963825817291554},{"text":"Oh, gee.","start":4519.965,"end":4521.485,"sentiment":"neutral","sentiment_score":0.019830668345093727},{"text":"She's forced to get that one.","start":4521.485,"end":4522.9453,"sentiment":"neutral","sentiment_score":-0.012277720030397177}],"sentiment":"neutral","sentiment_score":-0.013358796148427896,"channel":1,"num_words":21,"start":4515.245,"end":4522.9453},{"sentences":[{"text":"It they generally go hand in hand, feisty and calm.","start":4525.695,"end":4528.995,"sentiment":"neutral","sentiment_score":0.12564870864152908},{"text":"It works.","start":4529.455,"end":4530.115,"sentiment":"neutral","sentiment_score":0.14906348288059235}],"sentiment":"neutral","sentiment_score":0.12955117101470628,"channel":0,"num_words":12,"start":4525.695,"end":4530.115},{"sentences":[{"text":"No worries.","start":4529.645,"end":4530.15,"sentiment":"neutral","sentiment_score":0.11650490760803223}],"sentiment":"neutral","sentiment_score":0.11650490760803223,"channel":1,"num_words":2,"start":4529.645,"end":4530.15},{"sentences":[{"text":"So I will send you that email.","start":4532.335,"end":4536.0903,"sentiment":"neutral","sentiment_score":0.18156759015151433},{"text":"Now we've changed our CRM or our our our data system, and it's all integrated with, like, any of our our email systems.","start":4536.0903,"end":4545.6104,"sentiment":"neutral","sentiment_score":0.16081424737754074},{"text":"So if it goes to your junk inbox, don't be surprised.","start":4545.6104,"end":4549.175,"sentiment":"neutral","sentiment_score":0.15618002008308063},{"text":"But I am sending that now, so you'll get it within the next few minutes.","start":4549.795,"end":4553.155,"sentiment":"neutral","sentiment_score":0.17259141157070795},{"text":"Okay?","start":4553.155,"end":4553.655,"sentiment":"neutral","sentiment_score":0.11359724402427672}],"sentiment":"neutral","sentiment_score":0.16473946419724247,"channel":0,"num_words":57,"start":4532.335,"end":4553.655},{"sentences":[{"text":"Alright.","start":4554.375,"end":4554.855,"sentiment":"neutral","sentiment_score":0.24081921577453613},{"text":"Thanks very much.","start":4554.855,"end":4555.995,"sentiment":"positive","sentiment_score":0.5207292636235555}],"sentiment":"positive","sentiment_score":0.45075175166130066,"channel":1,"num_words":4,"start":4554.375,"end":4555.995},{"sentences":[{"text":"That's okay.","start":4556.275,"end":4557.015,"sentiment":"neutral","sentiment_score":0.2946234941482544},{"text":"And, otherwise, I'll touch base with you in a couple of weeks to just have a chat about the investment changes that I recommend after I do my little investigation.","start":4557.0747,"end":4566.97,"sentiment":"neutral","sentiment_score":0.1999412402510643}],"sentiment":"neutral","sentiment_score":0.20585888111963868,"channel":0,"num_words":32,"start":4556.275,"end":4566.97},{"sentences":[{"text":"No worries.","start":4567.7,"end":4568.457,"sentiment":"neutral","sentiment_score":0.19860579818487167}],"sentiment":"neutral","sentiment_score":0.19860579818487167,"channel":1,"num_words":2,"start":4567.7,"end":4568.457},{"sentences":[{"text":"Cool.","start":4569.327,"end":4569.827,"sentiment":"positive","sentiment_score":0.383784294128418},{"text":"Perfect.","start":4569.887,"end":4570.387,"sentiment":"positive","sentiment_score":0.481339693069458},{"text":"Well, if there's any questions, feel free to reach out.","start":4570.527,"end":4573.087,"sentiment":"neutral","sentiment_score":0.29241113513708117},{"text":"But, otherwise, have a fantastic afternoon.","start":4573.087,"end":4575.427,"sentiment":"positive","sentiment_score":0.5110789885123571}],"sentiment":"positive","sentiment_score":0.38087273720237946,"channel":0,"num_words":18,"start":4569.327,"end":4575.427},{"sentences":[{"text":"Cheers.","start":4576.057,"end":4576.457,"sentiment":"positive","sentiment_score":0.45902273058891296},{"text":"You too.","start":4576.457,"end":4576.777,"sentiment":"neutral","sentiment_score":0.1512235626578331},{"text":"Bye bye.","start":4576.777,"end":4577.517,"sentiment":"neutral","sentiment_score":0.18998851627111435}],"sentiment":"neutral","sentiment_score":0.22828937768936158,"channel":1,"num_words":5,"start":4576.057,"end":4577.517},{"sentences":[{"text":"Thanks, Greg.","start":4577.727,"end":4578.607,"sentiment":"positive","sentiment_score":0.8121811151504517},{"text":"Bye.","start":4578.607,"end":4579.107,"sentiment":"neutral","sentiment_score":-0.07813356816768646}],"sentiment":"positive","sentiment_score":0.5154095540444056,"channel":0,"num_words":3,"start":4577.727,"end":4579.107}]},"summary":{"result":"success","short":"The agent discusses the benefits of paying less for work and saving more for the elderly, as well as the challenges of working in a tight schedule and the age of their children. They emphasize the importance of privacy laws to ensure personal well-being and discuss retirement savings, investment plans, and dropping premium policies. The speakers emphasize the need for privacy laws to ensure personal well-being and explain the process of removing exclusions for mental health and brain injury claims. They also mention scheduling appointments with their spouse to discuss investment changes."},"intents":{"segments":[{"text":"insurances and stuff are in place and all going good. Yeah.","start_word":142,"end_word":152,"intents":[{"intent":"Inquire about insurances","confidence_score":0.00034257577}]},{"text":"So operator is obviously hands on. Coordinate, I assume, goes halfway between the management of and the hands on. Okay.","start_word":469,"end_word":488,"intents":[{"intent":"Coordinate duties and responsibilities","confidence_score":0.014999142}]},{"text":"So the last the last record I have is that you're working above ground. Is that still the case? Yep. Perfect.","start_word":590,"end_word":610,"intents":[{"intent":"Provide previous records","confidence_score":0.000042689084}]},{"text":"And can I ask how does like, are you paid fortnightly to deal with, like, obviously, No. your swing, or is it monthly? Monthly. Monthly. Yeah. I always do. Which just Oh, is is a that pain. is that better is that better for them? No. No.","start_word":716,"end_word":762,"intents":[{"intent":"Clarify benefits","confidence_score":0.0027660558}]},{"text":"But a lot of the swings are very much, like, fortnightly, like, ratioed.","start_word":808,"end_word":820,"intents":[{"intent":"Discuss swing preferences","confidence_score":0.0006822811}]},{"text":"Are you saving more now? Where does everything fit for you in that realm? No. Not really.","start_word":921,"end_word":937,"intents":[{"intent":"Inquire about saving","confidence_score":0.0012701503}]},{"text":"And how old are the the kids?","start_word":1036,"end_word":1042,"intents":[{"intent":"Ask about age","confidence_score":0.008804336},{"intent":"Inquire about family size","confidence_score":0.0016246449}]},{"text":"I was, you know, two or 03:00 in the morning still reading a book. You'd be like, one one more page. One I'll just I'll finish this chapter. And then, of course, it finishes on a cliffhanger. You gotta finish the next chapter. Yeah.","start_word":1517,"end_word":1560,"intents":[{"intent":"Book reading","confidence_score":0.030478617}]},{"text":"don't particularly their kids aren't particularly sporty, but they don't do much.","start_word":1792,"end_word":1803,"intents":[{"intent":"Evaluate kids' activity","confidence_score":0.004839514}]},{"text":"And do you know what the mortgage is sitting at?","start_word":2011,"end_word":2020,"intents":[{"intent":"Determine mortgage balance","confidence_score":0.0066292114}]},{"text":"So an offset account versus a redraw, a redraw can give you less flexibility depending on the, like, facility that you're using through the lender that you have.","start_word":2671,"end_word":2698,"intents":[{"intent":"Discuss balance redrawns","confidence_score":2.8323032e-7}]},{"text":"I've got loads of quantas points here to do it on a holiday. is.","start_word":3379,"end_word":3392,"intents":[{"intent":"Request points","confidence_score":0.0071726325}]},{"text":"Can I ask, what's the credit card value?","start_word":3471,"end_word":3478,"intents":[{"intent":"Ask about credit card value","confidence_score":0.15130289}]},{"text":"We dropped it down to 6,000. Cool. You So see it that 10,000 one is or we just dropped it at 6,000 because it it was a bit easy to because it's a really good reminder that we were running out. Oh, Yes.","start_word":3479,"end_word":3521,"intents":[{"intent":"Confirm balance","confidence_score":0.0033956121}]},{"text":"Now health wise, has anything changed? I know that you had a head injury twenty two years ago, back in o four. Has anything else changed? Any medications that you're taking? Anything to that realm? Perfect.","start_word":3608,"end_word":3643,"intents":[{"intent":"Discuss health changes","confidence_score":0.030543378}]},{"text":"Any medications that you're taking? Anything to that realm? Perfect.","start_word":3634,"end_word":3643,"intents":[{"intent":"Ask about medications","confidence_score":0.030801361}]},{"text":"The one thing I did want to know that I don't have on file at all is, I guess, with regards to estate planning, I do know that you previously didn't have a will. Have you put one in place over the last few years? Or No. or no.","start_word":3666,"end_word":3714,"intents":[{"intent":"Discuss estate planning","confidence_score":0.21605411}]},{"text":"And Should we I'm assuming it it is something that should be considered. So we do with it?","start_word":3719,"end_word":3736,"intents":[{"intent":"Analyze estate planning","confidence_score":0.06966288}]},{"text":"I guess the the biggest part is is that banks transitioning bank accounts over into an individual name can become hard without a will Gotcha.","start_word":4094,"end_word":4118,"intents":[{"intent":"Discuss retirement plans","confidence_score":0.0006474992}]},{"text":"And that's, Yep. you know, beneficiary nomination forms and stuff like that. So we'll definitely double check those to make sure that they're still honoring your wishes and go from there, if that makes sense. Yep.","start_word":4441,"end_word":4476,"intents":[{"intent":"Verify funds' benefits","confidence_score":0.00013559403}]},{"text":"So what I would really like to do, and I guess this is me pushing more so than you requesting, is definitely a bit of an update to the portfolio as a whole to cater for that asset.","start_word":4735,"end_word":4772,"intents":[{"intent":"Update portfolio","confidence_score":0.6636816},{"intent":"Analyze investment portfolio","confidence_score":0.005172889},{"intent":"Address asset concerns","confidence_score":0.00259886}]},{"text":"As I said, everything else is looking really, really good. You know, you diversified across not only, you know, equities and and different sectors, but also within asset classes as well. It's just that one asset that's really, I guess, weighing things down.","start_word":4772,"end_word":4814,"intents":[{"intent":"Assess potential impact on portfolio","confidence_score":0.0021903284}]},{"text":"You know, you diversified across not only, you know, equities and and different sectors, but also within asset classes as well. It's just that one asset that's really, I guess, weighing things down. Your Okay.","start_word":4782,"end_word":4816,"intents":[{"intent":"Address asset diversified","confidence_score":0.014594853}]},{"text":"balance sits today at at $247,000. So It's a load on, ain't it? it has had a little bit of a drop over the last month or last couple of weeks, I should say, just with the current things that are happening.","start_word":4817,"end_word":4858,"intents":[{"intent":"Assess risk of lower balance","confidence_score":0.00077570643}]},{"text":"it has had a little bit of a drop over the last month or last couple of weeks, I should say, just with the current things that are happening.","start_word":4830,"end_word":4858,"intents":[{"intent":"Assess current situation","confidence_score":0.020976285},{"intent":"Assess risk of dropping","confidence_score":0.0025750129}]},{"text":"invested in the market, the more it starts compounding and moving. It's breaking that quarter mil. Once you break that, it does start really compounding and and making a massive difference.","start_word":5008,"end_word":5038,"intents":[{"intent":"Inquire about compounding income","confidence_score":0.00002275158}]},{"text":"So Well, it will one all 100 depend and 90 is the next bracket, isn't it?","start_word":5123,"end_word":5138,"intents":[{"intent":"Explain brackets","confidence_score":0.0013889268}]},{"text":"oh, to the tax brackets. Yes. Yeah.","start_word":5146,"end_word":5152,"intents":[{"intent":"Explain tax brackets","confidence_score":0.4911653},{"intent":"Explain tax brackets","confidence_score":0.031675424}]},{"text":"So currently, you're sitting in I know. It was 45 plus 2% levy 2% Medicare levy, but, yep, 47%. Currently, you're sitting in the 39% bracket. So every dollar that you earn over a 135,000 is charged at 39<unk> Yep.","start_word":5167,"end_word":5206,"intents":[{"intent":"Explain tax bracket charges","confidence_score":0.0316069}]},{"text":"So tax brackets work. So, basically, not that they pay it this this way because otherwise it'd be really confusing for people as they get, you know, through the year. It's averaged out. But, basically, the first $18,200 that you earn in any financial year is tax free. Right?","start_word":5226,"end_word":5274,"intents":[{"intent":"Explain tax bracket cost","confidence_score":0.00090947276}]},{"text":"The first consideration is how much you're allowed to actually contribute, which you're only allowed to contribute up to $30,000 in any financial year Uh-huh. under some certain rules.","start_word":5498,"end_word":5526,"intents":[{"intent":"Determine contribution limit and eligibility for other programs","confidence_score":5.0929196e-12}]},{"text":"Now there are ways that you can utilize previous years, Yep. what they call contribution caps, to be able to put more in, but the other consideration is is your actual living expenses. If Yeah.","start_word":5527,"end_word":5561,"intents":[{"intent":"Determine current cost and financial benefits for previous savings accounts","confidence_score":4.8286867e-15}]},{"text":"Yes.","start_word":5700,"end_word":5700,"intents":[{"intent":"Determine relative cost/income relative to previous years","confidence_score":7.0073035e-8}]},{"text":"I mean, Because that's not a problem. it would come out of your gross income before tax comes off it.","start_word":5701,"end_word":5720,"intents":[{"intent":"Determine gross income for previous investments","confidence_score":0.00081495213}]},{"text":"Because currently, your employer on, like, the 185, your your employer like, Rio Tinto would put $2,222,200 into your fund on your behalf. Yep.","start_word":5783,"end_word":5806,"intents":[{"intent":"Inquire about employer's financial position","confidence_score":6.0215694e-7}]},{"text":"How much it's costing me and what do they all get out or or the family gets out of it.","start_word":6484,"end_word":6503,"intents":[{"intent":"Inquire about cost and family benefits","confidence_score":0.012955038},{"intent":"Provide insurance pricing","confidence_score":0.00013157696}]},{"text":"So you've got in life insurance, you've got 1.59. So 1,000,000 Just 590. just just hold it for a minute. I'll just get a pen and paper. I'll send it to you anyway, but definitely. Oh, yeah. Finance. So I'll just drop this down. Sorry. $2.47 in super. Yep. Okay. Lost. So life insurance is $1,591,348.96.","start_word":6515,"end_word":6570,"intents":[{"intent":"Clarify insurance coverage","confidence_score":0.018311862}]},{"text":"So life insurance is $1,591,348.96. We're gonna be specific. Yeah. Total and permanent disability is of the same amount. So 159134896. Yep. So to define them, life insurance pays out if you were to pass away or be diagnosed as terminally ill. Yes.","start_word":6566,"end_word":6608,"intents":[{"intent":"Clarify insurance requirements","confidence_score":0.0058349534},{"intent":"Confirm coverage policy","confidence_score":0.000043757085},{"intent":"Specify insurance coverage","confidence_score":0.0003424167}]},{"text":"Something's changed there, which I'll probably just leave it the same. But so the re the reason I put the ninety day waiting period in is because it dropped the the premium a bit. Premium.","start_word":6697,"end_word":6731,"intents":[{"intent":"Confirm premium level","confidence_score":0.0000029949051}]},{"text":"two, three days a year or about thereabouts, Yes. Yep. which once you on a on a eight and six roster, that's about three months. And Yes.","start_word":6760,"end_word":6786,"intents":[{"intent":"Request clarification on policy duration","confidence_score":0.000048632526}]},{"text":"So they realized that, oh my gosh, everyone's just bludging and, you know, Mhmm. we're really short on workers at work. So they've now changed it to fifteen six six days a year. And but you in case of serious illness or injury, you get twelve months at full pay. Twelve months.","start_word":6805,"end_word":6856,"intents":[{"intent":"Change workers pay rates","confidence_score":0.00002883618}]},{"text":"If you there are some side benefits that, like, if anything had happened or if you did fall off a ladder, like, call me and, you know, so long as it's significance ish, like, if you just got a gas on your legs, no.","start_word":7184,"end_word":7227,"intents":[{"intent":"Consider side benefits","confidence_score":0.005695733},{"intent":"Discuss side benefits","confidence_score":0.21377066},{"intent":"Discuss benefits","confidence_score":0.29556257},{"intent":"Discuss side benefits","confidence_score":0.22420603}]},{"text":"It's very I situational that we'd have to sort of talk about, don't and I have to look at and pull apart the PDFs know. to make sure.","start_word":7262,"end_word":7289,"intents":[{"intent":"Discuss situational scenario","confidence_score":0.0003931601}]},{"text":"Now, obviously, if you're at work, work does help, but I don't know if you've ever been a part of or watched any of the guys go through a work cover claim. They do start dropping off in benefits. So, generally, they pay a 100%, and then it eventually drops to 90 and then 85 and then 65, and then they pay you out. Yep.","start_word":7458,"end_word":7522,"intents":[{"intent":"Discuss work cover claim","confidence_score":0.002531059}]},{"text":"Like, in no way, shape, or form am I saying the product's not great. It is a fantastic product.","start_word":7889,"end_word":7907,"intents":[{"intent":"Evaluate product value","confidence_score":0.038447678}]},{"text":"Did you want me to look at, like, decreasing the policy? Are you happy and comfortable with where the policy sits at the moment?","start_word":8235,"end_word":8258,"intents":[{"intent":"Assess policy comfort","confidence_score":0.023579456}]},{"text":"Well, But so so in saying that, should I pump out the ninety day waiting period to to one year waiting period? Because I have confidence that my work will pay me for a year, and that that should reduce my pay with it. It'll reduce yeah. Yeah. 100%. It'll reduce what you pay. I'd have to look and see whether Resolution Life dual one year waiting periods.","start_word":8894,"end_word":8961,"intents":[{"intent":"Obtain information about waiting periods","confidence_score":0.00070371566}]},{"text":"They used to back in, like, a decade ago, but I'm not sure what they offer at the moment because a lot of insurers removed their six month, one year, two year waiting periods because people that are not supported for a long period of time, you know, when they're ill or injured, generally end up going on really long term claims.","start_word":8963,"end_word":9024,"intents":[{"intent":"Inquire about offer and benefits","confidence_score":0.00016228767}]},{"text":"Now I I wanna confirm that your wife sorry. The hiccups.","start_word":9308,"end_word":9318,"intents":[{"intent":"Confirm wife's condition","confidence_score":0.0057663005}]},{"text":"I wanna confirm that your wife, Shannon, is 100% the beneficiary on your life policy.","start_word":9320,"end_word":9334,"intents":[{"intent":"Confirm beneficiary status","confidence_score":0.18812753}]},{"text":"So I spoke to brother-in-law to the sensible one as an executor, and he could he he's we I don't confidence that he'd make the right decision in such Yeah.","start_word":9661,"end_word":9690,"intents":[{"intent":"Discuss kidding plan","confidence_score":0.000001191465}]},{"text":"I went and got a will. Me and my husband got one done for a grand, and we got two wills and two power of attorneys drawn up. So four documents for a thousand dollars. So it wasn't break the bank money. They're wrong.","start_word":9717,"end_word":9760,"intents":[{"intent":"Make a will","confidence_score":0.013456282}]},{"text":"And that's probably the biggest part that you need to consider is that what happens with the kids and who becomes their guardian, which is something that you can make a decision in on the will. Right.","start_word":9824,"end_word":9860,"intents":[{"intent":"Consider family's will","confidence_score":0.0006552576}]},{"text":"they live in Bali, and they got three young kids. They get along because the cousins are great. It's all Winning. very it's all very because they wanna move back to WA anyway, I think. So that that would probably cool. We'll look after the kids when we're moving into your house. Yeah.","start_word":9871,"end_word":9923,"intents":[{"intent":"Disclose house address","confidence_score":7.5093004e-7}]},{"text":"We'll look after the kids when we're moving into your house. Yeah.","start_word":9912,"end_word":9923,"intents":[{"intent":"Take care of kids","confidence_score":0.012430544}]},{"text":"And then it'd be a madhouse because there'd be five kids here, but they can do it with it. Yeah.","start_word":9924,"end_word":9943,"intents":[{"intent":"Discuss british house's situation","confidence_score":2.549948e-8}]},{"text":"So your super fund your super your super or the insurance policy can either form part of the estate or can be held outside.","start_word":10059,"end_word":10082,"intents":[{"intent":"Confirm super fund eligibility","confidence_score":0.0026763156}]},{"text":"All you're doing to your wife is making her go through three sets of documentation rather than one. And, essentially, she's the one that's gonna end up with the money because she is the guardian for the children right now. So the money would just go to her through a full documentation for the kids. Wrong.","start_word":10382,"end_word":10437,"intents":[{"intent":"Discussing portfolio","confidence_score":0.00011524853}]},{"text":"So it's probably more of a conversation. There's no without having a will or a trust or specific I'm picking up what you put now. Just just hurry up and get a will, would you, is what you're saying? setups? Not really.","start_word":10504,"end_word":10545,"intents":[{"intent":"Discussing will","confidence_score":0.0054045976}]},{"text":"So it's probably more of a conversation. There's no without having a will or a trust or specific I'm picking up what you put now. Just just hurry up and get a will, would you, is what you're saying? setups? Not really. Like, your your position is really simple, so it's it's good. Yeah.","start_word":10504,"end_word":10557,"intents":[{"intent":"Providing will","confidence_score":0.057329662}]},{"text":"Not really.","start_word":10544,"end_word":10545,"intents":[{"intent":"Discussing will setup","confidence_score":0.00015661832}]},{"text":"Like, your your position is really simple, so it's it's good. Yeah.","start_word":10546,"end_word":10557,"intents":[{"intent":"Reminding about trust position","confidence_score":0.00009700553}]},{"text":"So you could do something similar if there's, you know, if that's what you wanna do, or you can go through the the the trust position.","start_word":10695,"end_word":10720,"intents":[{"intent":"Proposing alternatives","confidence_score":0.0006315948}]},{"text":"But, realistically, right this second, the biggest thing is is just get the nomination on file. Really just nominate your wife. There's no no requirement to nominate the kids.","start_word":10721,"end_word":10749,"intents":[{"intent":"Requesting nomination","confidence_score":0.011809161}]},{"text":"I guess, actions for me at the moment is to send you the beneficiary form.","start_word":10811,"end_word":10825,"intents":[{"intent":"Provide beneficiaries form","confidence_score":0.00070603716}]},{"text":"I'm gonna have a look at other investment options to the Superfund, and then I'm gonna look at the insurance policy just to see what it looks like if we do extend it. Is there anything else you wanna look at or talk about? No.","start_word":10826,"end_word":10870,"intents":[{"intent":"Discuss investment options","confidence_score":0.27161878},{"intent":"Discuss insurance policy extension","confidence_score":0.26949322}]},{"text":"No.","start_word":10870,"end_word":10870,"intents":[{"intent":"Discuss insurance policy","confidence_score":0.20950253},{"intent":"Discuss insurance policy changes","confidence_score":0.032596916}]},{"text":"It's based on, like, CPI or a limited CPI. It's not full. Okay.","start_word":11081,"end_word":11093,"intents":[{"intent":"Discuss cpi percentages","confidence_score":0.0032833875}]},{"text":"I I can I'll when I'm doing the research with the the income protection, I'll see if I can pull a future premium projection as well. Yeah.","start_word":11095,"end_word":11121,"intents":[{"intent":"Analyze income projections","confidence_score":0.0037691775}]},{"text":"It just depends on whether your policy does cover it. But as I'm as I'm looking through the insurance IP, I'll put together from your because your policy is older, which don't Okay.","start_word":11639,"end_word":11671,"intents":[{"intent":"Evaluate policies","confidence_score":0.0014187018}]},{"text":"There's a lot of I went through I used to work to had to get neurologist reports and and all that kind of stuff to exclude but there was no exclusion for any To hereditary.","start_word":11753,"end_word":11787,"intents":[{"intent":"Discuss policy exclusions","confidence_score":0.020136654}]},{"text":"Now I went I went through a lot of the because I was worried about the brain injury, but through so my old financial adviser guy, he helped me through and he would Yeah. excluded that, I guess. Or, you know, so it was never gonna be a drama. There's never been a drama since. Yeah.","start_word":12170,"end_word":12225,"intents":[{"intent":"Relay experiences and exclusions","confidence_score":5.2171836e-9}]},{"text":"You'll get an email from me. It'll probably take me a couple of weeks to get an answer from ResLife or Resolution Life just with regards to, like, the quotes and stuff like that. So I will send you an email through with the details when I get it. I haven't forgotten. It's just gonna take time to get it from them. No, bro.","start_word":12306,"end_word":12369,"intents":[{"intent":"Obtain response from reslife","confidence_score":0.0011076508}]},{"text":"And, otherwise, I will include the trauma claims just so you have a little bit more in-depth, I guess, information on what is actually claimable, what what partial claims are available under your policy as well. And I will double check on the exclusions and ensure that they're definitely 1000% on none. No worries.","start_word":12370,"end_word":12423,"intents":[{"intent":"Include trauma claims","confidence_score":0.2375463}]},{"text":"Can we just book I can't see every day. I just have not had a chance to look at it, and I'm not happy with the performance of the last year.","start_word":12453,"end_word":12483,"intents":[{"intent":"Book meet up call","confidence_score":0.000690908}]},{"text":"I am more than happy to schedule in an appointment if she knows what availability. You you guys scheduling a phone call to her to schedule an appointment and then they're working at otherwise, I'll be in trouble. Absolutely.","start_word":12517,"end_word":12555,"intents":[{"intent":"Schedule appointment","confidence_score":0.7343556}]},{"text":"Now what I'm gonna do is I'm gonna send you a pack via email, and it's just gonna have a bit of a a summary on, like, where things fit, balance the figures that we we just ran through and you broke down.","start_word":12581,"end_word":12623,"intents":[{"intent":"Send pack","confidence_score":0.6328461}]},{"text":"I'm just gonna have the chance to do my investigation into our budget. Oh, gee.","start_word":12698,"end_word":12712,"intents":[{"intent":"Investigate budget","confidence_score":0.5020492}]},{"text":"And, otherwise, I'll touch base with you in a couple of weeks to just have a chat about the investment changes that I recommend after I do my little investigation. No worries.","start_word":12796,"end_word":12827,"intents":[{"intent":"Touch base","confidence_score":0.2235128}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Craig. Sorry about that. I don't No. know That what was happened. me. Sorry. I I pressed the wrong button. No. That's okay. I was like, hello? Hello? And then I looked at the phone. I was like, nope.","start_word":0,"end_word":40,"sentiment":"neutral","sentiment_score":-0.1345854252576828},{"text":"It's just totally gone.","start_word":41,"end_word":44,"sentiment":"negative","sentiment_score":-0.3731548488140106},{"text":"Anyway, our call is recorded. And security, full name, date of birth, and address, please. Craig Dickinson. 11387620 Martha Street, Bakersfield 6162. 6 16. Perfect.","start_word":45,"end_word":69,"sentiment":"neutral","sentiment_score":0.05397419631481171},{"text":"Absolutely amazing.","start_word":70,"end_word":71,"sentiment":"positive","sentiment_score":0.7076385021209717},{"text":"So as I said before, the purpose of today's call is to go through and have an update, touch base with you, see if there's any areas of advice that you wanna ultimately look at, and and and sort of gauge where things are at for you and make sure that we're still on target to reach Yes. sorry. And Hiccups. I just like to know that all my Yeah. insurances and stuff are in place and all going good. Yeah. Okay.","start_word":72,"end_word":153,"sentiment":"neutral","sentiment_score":0.2482965886592865},{"text":"Perfect.","start_word":154,"end_word":154,"sentiment":"positive","sentiment_score":0.3670298457145691},{"text":"So, specifically, we wanna look at where our insurances are sitting at the moment as well.","start_word":155,"end_word":170,"sentiment":"neutral","sentiment_score":0.17150601744651794},{"text":"Absolutely. We can do definitely do that.","start_word":171,"end_word":177,"sentiment":"positive","sentiment_score":0.48189714550971985},{"text":"So, I guess the first thing I generally like to look at is just making sure, that our records are most up up to date. And the reason for that is is it it enables me to, I guess, identify anything that could possibly be an area for advice or, you know, make sure that everything's still kosher if there's been a significant change for you as well. No worries. It's been a pay increase. It's the only thing that sort of changed. Amazing. So what did our pay move up to? About $1.85. Fantastic. Because previously, we were sitting That's a bit of a pay increase. Well done. Yeah. Finally, More responsibilities they're coughing with up it. the dough. Just finally come to the table. Yeah. Perfect. And is that base income? Are there any bonuses or overtime or anything like that that you earn from that? No. Just base income. All the all the bonuses and what do they call it? The allowances will go off your base. So if your base goes up, then everything else goes up. But that still just packages into my take Okay.","start_word":178,"end_word":367,"sentiment":"neutral","sentiment_score":0.08283088451839592},{"text":"Cool. Alright. So home. amazing.","start_word":368,"end_word":372,"sentiment":"positive","sentiment_score":0.4485202729701996},{"text":"So I skipped ahead. I'm just gonna skip back.","start_word":373,"end_word":381,"sentiment":"neutral","sentiment_score":0.2521854043006897},{"text":"Cool. You've already confirmed your address, which is perfect.","start_word":382,"end_word":390,"sentiment":"positive","sentiment_score":0.5375596880912781},{"text":"No change to, like, number of dependents, marital status, nothing like that. No. Perfect. And then with regards to your, I guess, occupation, has have you like, with the role, have you taken on any additional, like, duties and responsibilities, What what is it that have they done it? What am I done at the moment? explosives operator? No. I'm what they call the explosive coordinator now. So one under supervisor, I guess. More supervisor kinda role. Okay. So operator is obviously hands on. Coordinate, I assume, goes halfway between the management of and the hands on. Okay. And then you've got your supervisor only, which is supervisor Correct. only. No. Not quite there, but Not I'm not sure if I I wanna get there. you still enjoy watching the things go boom? No. Twenty years is enough. But how it pays the bill pays the bill, so I'll just cover it. Yeah. That's Unless we completely unless you have fair.","start_word":391,"end_word":551,"sentiment":"neutral","sentiment_score":-0.048096779733896255},{"text":"an idea unless you have an idea where I can do something crazy and and that kind of money.","start_word":552,"end_word":570,"sentiment":"negative","sentiment_score":-0.40828683972358704},{"text":"No. That's that politics is probably the only one I've got in that realm. Financial adviser. I wish. Perfect. So the last the last record I have is that you're working above ground. Is that still the case? Yep. Perfect. And still with Rio? How long have you been with them now? Yep. Fourteen years. Fourteen years with the same well done. It's Sinatra's times up there. I can imagine. What what's your what's your swing like? Are you sort of two on two off? Or No. Eight days on, six days off. okay. So yeah. I mean, that's not too too bad. That's a No. pretty good that's a pretty When good you swing when ratio. when you when you look at the the, you know, that $185 and they're only working just over half a year, it's it's Not it's doable. yeah. Definitely. And can I ask how does like, are you paid fortnightly to deal with, like, obviously, No. your swing, or is it monthly? Monthly. Monthly. Yeah. I always do. Which just Oh, is is a that pain. is that better is that better for them? No. No. It I mean, it's six one half, not the other. It's just, like, your swing's obviously not the same as everyone. Some people, you know, depending on the mind, can do four in one or three in one or whatever the case Yes. may be. But a lot of the swings are very much, like, fortnightly, like, ratioed. So, like, you know, you got Yeah. one and one or, in your case, you know, eight and six, which is a fortnight. So it would make more sense to pay on the fortnight because, otherwise, it's just I don't know. From a accounting background, it gets messy in I the back know end. Rio very well, and I always think they've had an an ulterior motive there that's better for them somehow, but No.","start_word":571,"end_word":895,"sentiment":"neutral","sentiment_score":-0.07457005699863657},{"text":"I think they're just spending more on accounting than what they probably need to.","start_word":896,"end_word":909,"sentiment":"negative","sentiment_score":-0.3648499846458435},{"text":"yeah. Now with your increase in wage, have your expenses increased? Are you saving more now? Where does everything fit for you in that realm? No. Not really. Just the price of Cost of living living? has gone up, and we've done a few mods around the house to to keep getting Yeah. savings at bay. No. That's Yep. perfect. Because last record I I had was you obviously And have then the we're already on one wage. The wife stopped working, which is great for the kids and great for the family, but has made Yeah. their savings too much. No. That's fair. So your your wage is both savings and expenses. It's the the sole income coming in. Yeah. Yeah. Oh, Okay. Absolutely. absolutely. And how old are the the kids? Because I know you have two dependents. Nine and 11. Oh, good age. Nine. Hard age. They're good. But it's all Yeah. hard. Do you got kids? Yeah. I've got three. My Oh. eldest is 12, so we're full blown Yeah. into that that realm. Yeah. And there's no nothing's particularly easy. Everything's just hard in a different way. Correct. Yeah. When It's our just baby, do you think once they get out of napkins and walking and talking, you think it's a lot easier, but you know, they had I know.","start_word":910,"end_word":1134,"sentiment":"neutral","sentiment_score":-0.032410143613815307},{"text":"to My youngest, like, my youngest talk just started school, and back it's a blessing.","start_word":1135,"end_word":1149,"sentiment":"positive","sentiment_score":0.4410702586174011},{"text":"Don't be wrong. here Like, you know, everyone's at school and and everyone's in the same location. But free free day care. Right? But there's you know, to a degree, it's it's also a a bit of a pain because there's all these other external Does your people. kids start and you're in Queensland, Yeah. Yeah.","start_word":1150,"end_word":1205,"sentiment":"neutral","sentiment_score":-0.07596326619386673},{"text":"Great one.","start_word":1206,"end_word":1207,"sentiment":"positive","sentiment_score":0.4740211963653565},{"text":"Did your kids starting high school in grade seven or eight? We start seven. I Yes. mean, not Same not as back you in learn. my You day. just But changed that. Yeah. Yeah. So my 12 year old's high school, and Yeah. Fairly, I've got he's high school, and it's a battle. It's a battle to get him out. He doesn't use a sleep for an hour. Oh, Every yep. morning, it's just a battle to get him out. See, I've got one of those silly households that's up the whole of the sun. Yeah. Right. All five all five of us are up by, like, 5AM. Right. Yeah. So even the 12 year old, like, he's no he's pushing 13, but, yeah, even even him, he's he's not a normal teenager. He's he's up. Basically, I I I walk out the door at 04:30 to go for a go to the gym and go for a run, and he'll pop his head out and be like, oh, bye, mom.","start_word":1208,"end_word":1378,"sentiment":"neutral","sentiment_score":-0.007794639346195243},{"text":"Have a great day.","start_word":1379,"end_word":1382,"sentiment":"positive","sentiment_score":0.6435123085975647},{"text":"I'm like, go back to sleep. You're up Yeah. at Yeah. Well, it's yeah.","start_word":1383,"end_word":1396,"sentiment":"neutral","sentiment_score":0.07152718305587769},{"text":"Boy, he doesn't sleep well.","start_word":1397,"end_word":1401,"sentiment":"negative","sentiment_score":-0.3630757927894592},{"text":"He ten. he doesn't get to sleep well, Sorry.","start_word":1402,"end_word":1410,"sentiment":"neutral","sentiment_score":-0.2923286557197571},{"text":"Oh, just which sucks.","start_word":1411,"end_word":1414,"sentiment":"negative","sentiment_score":-0.4135846495628357},{"text":"doesn't settle? Well, doesn't settle. And then he starts reading a book. So he's like, oh, cool.","start_word":1415,"end_word":1431,"sentiment":"neutral","sentiment_score":0.05421258136630058},{"text":"Great.","start_word":1432,"end_word":1432,"sentiment":"positive","sentiment_score":0.5033859610557556},{"text":"He's 11 year old. He's reading a book all the time. He's reading novel after novel after novel. Yep. But when he's reading a novel at eleven or twelve at night, Yeah.","start_word":1433,"end_word":1464,"sentiment":"neutral","sentiment_score":0.08726409822702408},{"text":"Not so good.","start_word":1465,"end_word":1467,"sentiment":"negative","sentiment_score":-0.4733433127403259},{"text":"And, like, I you know, he pulled a book off him and then he will sit there with a headlamp and sneak a book. At least it's not Nintendo or an iPad, but it's look. not I can sleeping either. I can definitely appreciate it? I was that kid. I was, you know, two or 03:00 in the morning still reading a book. You'd be like, one one more page. One I'll just I'll finish this chapter. And then, of course, it finishes on a cliffhanger. You gotta finish the next chapter. Yeah. Yeah. Yeah. And then, you know, no friends. Just just books. Books on the weekends. And Yeah. It's it's really Yeah. good because when he when they do lose it or when he loses it, you know, of a has an emotional Yep. roller coaster day, It's just just go and read your book. Right? Yep.","start_word":1468,"end_word":1616,"sentiment":"neutral","sentiment_score":0.07978774607181549},{"text":"And a good one that'll just settle him down and give him some focus and chill.","start_word":1617,"end_word":1632,"sentiment":"positive","sentiment_score":0.49981746077537537},{"text":"Yep. Because I do see a lot of other kids sitting on the iPads for hours and hours and hours and hours, which she doesn't do. They unfortunately do. Yeah. They they can spend some time on devices, and I know, like, my my kids you know, I've I'm an acreage kid. I grew up on a few acres. So I was you know, you're not inside the house. If you're inside the house, you're cleaning. You're out out the back. You're in the yard. You're doing something. You're playing. You're on a bike. So very much my kids are the same. It's not devices, but, Yeah. you know, Yep. the older they get, the more push is there for their mates. So, you know, come on and play games and do this and do that. And so it's very, very different world, but it's very interesting at the same time Yeah. to, I I guess, Because they watch. don't particularly their kids aren't particularly sporty, but they don't do much.","start_word":1633,"end_word":1803,"sentiment":"neutral","sentiment_score":0.016087850130963744},{"text":"He plays water polo as a boy, which is really great. And he's into Amazing.","start_word":1804,"end_word":1818,"sentiment":"positive","sentiment_score":0.4120524823665619},{"text":"that. So it's every Friday. And but skateboarding was the only thing that really kept him you know, pulled him out of that iPad world or that he had a Nintendo switch there for a while. I don't even touch as much anymore. He Yeah. just gets I put in on a skater and has a bit of a Skype, which no.","start_word":1819,"end_word":1880,"sentiment":"neutral","sentiment_score":0.04081129282712936},{"text":"is That's great. good.","start_word":1881,"end_word":1884,"sentiment":"positive","sentiment_score":0.4086921215057373},{"text":"I put my kids into taekwondo for the same reason. None of them are sporty, but gave them something to do. Yep.","start_word":1885,"end_word":1906,"sentiment":"neutral","sentiment_score":0.2306058704853058},{"text":"So oh, I love that. And with skateboarding, you can do it anytime, anywhere. So it works.","start_word":1907,"end_word":1923,"sentiment":"positive","sentiment_score":0.4910771548748016},{"text":"100%. Anyway, we've taught kids, Moving but right along. yes. With regards to your assets, I know that we've got the mortgage. We've got the block of land. There was a renovation debt that we had as well. Where do those figures sit now? Do you know what the house is valued at? Because I had about 1 0.2 previously. The market's obviously Probably bump it up to 1.5 just because yeah. the property market's been hammering. Yeah. I was gonna say it's probably probably up there. And do you know what the mortgage is sitting at? I had $403.40. Three no. $3.40.","start_word":1924,"end_word":2026,"sentiment":"neutral","sentiment_score":-0.015070283713126645},{"text":"Fantastic.","start_word":2027,"end_word":2027,"sentiment":"positive","sentiment_score":0.38477954268455505},{"text":"Are we paying more than what we owe, like, more than the minimum each Not payment currently. cycle? No. Okay. We're just meeting minimum. This minimum. That's okay. And I'm assuming that would have definitely stopped once Sharon dropped off work. Shannon. Sorry. Shannon. Yes. Correct. Yeah. Okay. And we sort of plowed through those savings, but it's been a kind of a okay thing because it's just made us stop spending so much. Yeah. I took a re And some re for relook a while, at I mean, finances. we're not a holiday. We went to Japan last year and just doing a bit of renovation in the shed, and it's just really put the brakes on a lot of those spendings, those unwanted spendings, which is a Yeah. good thing. Forced. No. That's good. But it's it's okay. Yeah. And the block of land, would do we still own that? Have we No. Solved No. it. We didn't have it anymore. Okay. So can I ask when we sold it? Oh. Sam, when did we sell Bremer? Maybe three or four years ago. Okay. Cool. That's absolutely fine. About four years So five years ago. Okay. Perfect. Were we here or in Tom Price? Yeah. Oh, yeah. So it's like four years ago. Perfect. That's okay. I will remove that. And I'm assuming we put that money back into our Yes. residence. Yeah. Amazing. Now the renovation debt, we're doing work to the shed. Do we still have a debt for that, or are we just spending what we can, I guess, Just afford spending as what we we go? can afford. We're doing it Cool. ourselves.","start_word":2028,"end_word":2306,"sentiment":"neutral","sentiment_score":-0.02018819190561771},{"text":"Amazing. And it feels like a sense of accomplishment when you do it.","start_word":2307,"end_word":2319,"sentiment":"positive","sentiment_score":0.6365216970443726},{"text":"Yeah. So we've And cleared then when it when it breaks, we know how to fix it. definitely.","start_word":2320,"end_word":2337,"sentiment":"neutral","sentiment_score":0.15090705454349518},{"text":"I think one of the my favorite things about, like, owning a house is being able to install a toilet yourself and learning how to replace a washer and a tap, things that you never had to do.","start_word":2338,"end_word":2375,"sentiment":"positive","sentiment_score":0.4731071889400482},{"text":"Yes, sir. The the renovation debt, it was you you previously had a couple of tens of thousands. Have we cleared that off and the only debt we have is our mortgage, That's or correct. is there Yeah. any Perfect. So are there any other assets that we have apart from the mortgage? Any other, like, cars, boats, trailers? No. Well, I've got a car and a boat and a trailer, but nothing really that you'd say is a massive asset. No. That's okay. I've got an Cool. old So sailing boat, which is cool, but it's not worth any. I mean, it's worth mentioning. And the that's old car, we still got the old Prada, which is still going great. fine. Oh, they they they pull. That'll be yeah. No. They It's going they really are. good. Is it early than 2014 or later than? Earlier. Two Nice. '70 Perfect. '7.","start_word":2376,"end_word":2527,"sentiment":"neutral","sentiment_score":0.006123931147158146},{"text":"And they're a really, really, really good car.","start_word":2528,"end_word":2535,"sentiment":"positive","sentiment_score":0.49058735370635986},{"text":"I mean, Yeah. apart from probably, like, the '90 series, Yeah. like, the Toyota Prados are pretty decent. No. Really good. Perfect. Okay. So cash and bank, you said that you had pretty much exhausted that with Shannon being off work. So we're I'll give it $15. Okay. And we're just kind of living on that at the moment, putting that into whatever it is that we need Well, to that's not really moving anywhere. That's just staying there for emergencies. okay. Perfect. So it's just emergency funding. Yep. Which is Amazing. in in the mortgage account, offsetting that. Perfect. I was gonna say perfect. Okay. So Is that the State. best is is an offset account any different to putting it into the mortgage with a redraw facility of it? Not really. No. So an offset account versus a redraw, a redraw can give you less flexibility depending on the, like, facility that you're using through the lender that you have.","start_word":2536,"end_word":2697,"sentiment":"neutral","sentiment_score":-0.030644974222889653},{"text":"Your redraw facility could restrict you from being able to take, like, a certain amount each month.","start_word":2698,"end_word":2714,"sentiment":"negative","sentiment_score":-0.4398333430290222},{"text":"So you may be No. only, say, able Not to do, like, one one withdrawal or up to a certain amount. Whereas no. with the offset, it works in the same way, but you can touch it as much as you want, generally. We haven't had any drivers accessing it multiple times. Yeah. So more than likely, it's a full offset account. Because some some providers will actually allow you to have multiple offset accounts. So, theoretically, you could have, you know, your wages going I did look in. into that, but they charge a fee for such a thing. They So can. I'll Yeah. just sort of know. I'll just One keep of putting the things, in any mortgage and redraw on it where we need to. yeah, one of the things that you can look at doing that some people do, and it's look. It's not really my area of of finance. It's it's definitely a broker's.","start_word":2715,"end_word":2873,"sentiment":"neutral","sentiment_score":-0.0029427644331008196},{"text":"But I can definitely I can still model it for you.","start_word":2874,"end_word":2884,"sentiment":"positive","sentiment_score":0.3339412212371826},{"text":"But, obviously, I can't give you a recommendation on which provider or lender would be best appropriate, is that you have a you know, you obviously have your mortgage account, which is where you put money into to actually physically pay the mortgage down. Obviously, anything additional that you put on the mortgage apart from the minimum pulls down the actual principal that you owe. If you make the minimum, then you obviously pay off principal and interest at the same time. Makes sense. Yep. With an offset account, what you're doing is you're basically temporarily reducing the amount that you owe, so the principal of the loan for the the Yeah. amount of time that that money is sitting in the offset. So theoretically speaking, with the fact that you get paid monthly and that you would then live off your income over the month, if you got paid into your offset account or you had an offset account set up, your monthly income got put into that offset account. Because interest isn't accrued daily, not monthly, it's charged monthly, but it's accrued daily, for the amount of time that that money is in the account, it actually reduces the amount of interest that you have on your loan. No. Yeah. So we're we're doing that. We've been doing that forever having we did have Yeah. a few properties back then, so that's sort of good knowledge. And we just Yeah. so the money goes into the savings account, I guess. And then because of the beauty of Internet banking, these guys are all very manageable from the company Very home. quick. Yep. So, yeah, then we transfer all into the mortgage with their credit card for the full month and then just pay the rate credit card off at the end of the month.","start_word":2885,"end_word":3190,"sentiment":"neutral","sentiment_score":0.07993783821424871},{"text":"Beautiful. Absolutely beautiful.","start_word":3191,"end_word":3193,"sentiment":"positive","sentiment_score":0.7093877196311951},{"text":"Yeah. Knowing that your interest gets charged daily. So Yeah. No. Absolutely. And so long as you live within your means and what you can pay off Yes. on the credit card, it's not an issue, and pay it by the end of the month. That's right. Yeah.","start_word":3194,"end_word":3241,"sentiment":"neutral","sentiment_score":0.14998894929885864},{"text":"That's exactly right.","start_word":3242,"end_word":3244,"sentiment":"positive","sentiment_score":0.33467531204223633},{"text":"And I'll say that to a lot of people is that just because you get a credit card, it's not your money. They're gonna want it back. And if you don't pay it back within thirty days, they're gonna charge you. Correct. Then it becomes a loan. Yeah. That's right. At very high interest. No. That's right. And this is something you told me a long time ago is is the bank will never give you interest free loans except for credit cards if you paid off thirty or forty days depending on what. Yeah. What you have the And then you get the the thing points, which is kind of okay because I fly Qantas to work. So we need to skip quantas points. So that just tops it all up nice. I've got loads of quantas points here to do it on a holiday. is.","start_word":3245,"end_word":3391,"sentiment":"neutral","sentiment_score":0.032556977455637286},{"text":"Oh, I love that's so you have to pay for your own flights.","start_word":3392,"end_word":3404,"sentiment":"positive","sentiment_score":0.41696757078170776},{"text":"No. No. No. Okay. So We'd like quantas to work, yep. but we still get the points for that.","start_word":3405,"end_word":3423,"sentiment":"neutral","sentiment_score":0.09343583136796953},{"text":"Oh, that's cool.","start_word":3424,"end_word":3426,"sentiment":"positive","sentiment_score":0.4243088662624359},{"text":"So it's like the company pays for it, but the points are accrued to you. Yeah. Yep.","start_word":3427,"end_word":3443,"sentiment":"neutral","sentiment_score":0.19652387499809265},{"text":"Oh, that's nice. That's a nice little perk. Well, it's just eight perks.","start_word":3444,"end_word":3456,"sentiment":"positive","sentiment_score":0.5849749445915222},{"text":"Yeah. Being away from your family sucks, but it's a nice little perk. Yeah. Can I ask, what's the credit card value? We dropped it down to 6,000. Cool. You So see it that 10,000 one is or we just dropped it at 6,000 because it it was a bit easy to because it's a really good reminder that we were running out. Oh, Yes. you nearly out of this month's because then you just Yes. chuck more in there. It's all we never go over. Yeah. Otherwise, the temptation to possibly spend can be there. Yeah. Yep. $10 Yeah. was probably better when we're both working. Yeah. But now with just one of us working, we just drop it down to 6,000 just to pull the reins up when, you know, it's a good reminder. Remove Pull the risk. the reins. Yeah. Just remove the risk. Yep. Absolutely. Perfect. Okay. Now health wise, has anything changed? I know that you had a head injury twenty two years ago, back in o four. Has anything else changed? Any medications that you're taking? Anything to that realm? Perfect. And we haven't picked up smoking at all? No. No. No. Perfect.","start_word":3457,"end_word":3655,"sentiment":"neutral","sentiment_score":0.07427828758955002},{"text":"Amazing. So with regards to all of that, that's fantastic.","start_word":3656,"end_word":3665,"sentiment":"positive","sentiment_score":0.5334703326225281},{"text":"The one thing I did want to know that I don't have on file at all is, I guess, with regards to estate planning, I do know that you previously didn't have a will. Have you put one in place over the last few years? Or No. or no. No. That's okay. And Should we I'm assuming it it is something that should be considered. So we do with it? estate planning, and I I I generally I mean, we'll go off about, but that's okay. With with the assets that you hold, some of those, depending on how they're owned, can be considered a state asset. So your primary residence, it's owned by the two of you. So more than likely, it's owned jointly Correct. Correct. by the two of you, which means that upon the passing of one, the other would assume ownership a 100%. So the house, therefore, would not form part of the estate. Yep. Well, If if there's any bank accounts that are owned individually, they've become a state asset. Right. If there's cars, trailers, or boats that are owned individually, they become a state asset.","start_word":3666,"end_word":3856,"sentiment":"neutral","sentiment_score":0.08899448180073843},{"text":"And that's where a will steps in is that a will enables any of those individual assets to be able to be passed to whoever it is that you're wanting to.","start_word":3857,"end_word":3887,"sentiment":"positive","sentiment_score":0.3584975600242615},{"text":"Like, a lot of the time when there's, you know, when you're a a singular, I guess, nuclear family, let's call it, there's not gonna be a lot of external, you know, people contesting a will. But when you have your slightly messier families, a will definitely comes in handy to be able to make sure that Well, there's clear. that's probably have been too fast about it. Probably could do it, but they just say the house is joint owned and Yeah. the cars, you know, it's it's 2,010. It's probably only worth $25. I'm sure it's not gonna take that long to work that out. I might Yeah. I've proven wrong and I won't be here to worry about it. But if I was to target and the car, I guess, the only thing that's in my name, but that's only, you know, it's an old Prado now. It's not like a we can go down the line and find a $160 Land Cruiser, so Yep. Yeah. I wouldn't call it a massive asset by any stretch. Yeah. No.","start_word":3888,"end_word":4068,"sentiment":"neutral","sentiment_score":-0.05178776045859848},{"text":"And that's that's absolutely fine. So if if you're confident that you that that basically things are all under control, then that's fine. Absolutely.","start_word":4069,"end_word":4092,"sentiment":"positive","sentiment_score":0.5593217015266418},{"text":"Yeah. I guess the the biggest part is is that banks transitioning bank accounts over into an individual name can become hard without a will Gotcha. purely purely because privacy laws still stand even after someone has passed. And Yeah. superannuation companies, insurance funds, and and banking banking institutions can make things difficult if there's no executor named. And Okay. that's really what it comes down to is naming an executor. There's obviously in a will, Yes. there's executives and beneficiaries. The executor is a person that is honoring the deceased's wishes, and the beneficiary is the people that are getting the money. So, like, for example, say, in your case, you may make your wife an executor and a beneficiary. There's not not anything wrong with that, providing, you know, she has the mental fortitude to be able to deal with it all upon your passing along with the kids. Some people choose Yep. to make a mate, a brother, a friend, you know, the executor, so that way your wife can just deal with everything that has to happen. But it's all personal preference on that front, really. There It's are probably obviously something we should do. I probably said that last time when I said to you guys and probably something we should do, but it's so far down the list. I get it. It it took me until my kid was 10 or 11 till I finally got mine in place, and I've been saying it since just as long as he was alive. So I completely understand it. It is Yeah. low. It's just always something that I like to raise because the assets that we're talking about do and can form part of the estate.","start_word":4093,"end_word":4383,"sentiment":"neutral","sentiment_score":0.08103463053703308},{"text":"Now the I guess the best thing we can do, and it's, you know, nice and easy, is make sure that, obviously, your wishes are honored with your super fund, then your wishes are honored with your insurer to ensure that if anything happens, those benefits go pretty quickly to who you're wanting it to go to.","start_word":4384,"end_word":4440,"sentiment":"positive","sentiment_score":0.47277137637138367},{"text":"And that's, Yep. you know, beneficiary nomination forms and stuff like that. So we'll definitely double check those to make sure that they're still honoring your wishes and go from there, if that makes sense. Yep.","start_word":4441,"end_word":4476,"sentiment":"neutral","sentiment_score":0.3148369789123535},{"text":"Cool.","start_word":4477,"end_word":4477,"sentiment":"positive","sentiment_score":0.46449515223503113},{"text":"So with respect to, I guess, your super and your insurance since we're now touching on them, your superannuation fund is is Hub twenty four. It's Yep. where where your your superannuation is invested, where everything's sitting. Now with your super, it is invested in the market. So what happens is you purchase specific assets, and those assets, you know, perform as the market performs. Now Yep. the assets that you hold, majority of them are doing really well. There is one that has underperformed a little bit that I have been migrating my clients out of slowly, and it's just because it's a what's called a high conviction fund. So it's a it's a Australian equity spend along asset. And spend along that that fund, basically, they they put they purchase stocks and shares within that within that fund itself. And then, generally, what they're supposed to do is make small movements as the market varies. That fund, they are high conviction funds, and, basically, they stand back what they're invested in. Now, traditionally, it has done really, really well.","start_word":4478,"end_word":4658,"sentiment":"neutral","sentiment_score":0.1303875893354416},{"text":"Previous market volatility has seen it drop, and they're just not making the choice to make any moves on that fund.","start_word":4659,"end_word":4679,"sentiment":"negative","sentiment_score":-0.3465425372123718},{"text":"So my trust in that as an as an equity and as a fund as in itself has started to waiver, and I am moving my client out of that fund because I don't wanna see, you know, something that isn't gonna bounce back continue to be on on, you know, a whole portfolio.","start_word":4680,"end_word":4733,"sentiment":"neutral","sentiment_score":-0.2385211884975433},{"text":"So what I would really like to do, and I guess this is me pushing more so than you requesting, is definitely a bit of an update to the portfolio as a whole to cater for that asset. As I said, everything else is looking really, really good. You know, you diversified across not only, you know, equities and and different sectors, but also within asset classes as well.","start_word":4734,"end_word":4802,"sentiment":"positive","sentiment_score":0.4400711953639984},{"text":"It's just that one asset that's really, I guess, weighing things down. Your Okay. balance sits today at at $247,000. So It's a load on, ain't it? it has had a little bit of a drop over the last month or last couple of weeks, I should say, just with the current things that are happening. And it's it's standard when Is it whenever because we because is it because I've got a lot of insurance coming out of that? I You mean, do $2.40 have seven, I I've been working twenty years mining, so I've been always over a $100, I guess. And there's twenty years of mining. It's not that much, is it? I can't account for previous to the hub account. But, you know, from, like, where the account sits now, it's been going really well. I'm just Yeah. looking But 2 over. 47 for a 50 year old is probably a bit low, is it? Oh, I've seen a lot lower. It I don't it's, yeah, it's actually not too bad. Really breaking that, like, quarter 1,000,000 bracket is the hardest leg. know. Once you break that because, obviously, more money makes more money. So Oh. the more you have Yes. invested in the market, the more it starts compounding and moving. It's breaking that quarter mil.","start_word":4803,"end_word":5023,"sentiment":"neutral","sentiment_score":-0.015266962349414824},{"text":"Once you break that, it does start really compounding and and making a massive difference.","start_word":5024,"end_word":5038,"sentiment":"positive","sentiment_score":0.3916894197463989},{"text":"Because if you think about it, you know, 10% on on 250,000, you've got yourself Yeah. 25 growth over the year. So it's it's just about those those different, like, legs. I You guess the the question that I will ask when we get to it I'll just ask it now. Just the things with Yeah. the Yeah. with the with the pay rise, should I put more will it make much more than my take home if I donate more to my super? So Well, it will one all 100 depend and 90 is the next bracket, isn't it? I think I read a to million. oh, to the tax brackets. Yes. Yeah. Once I get a 190, then it goes up to, like, 70%. 47%. Yeah. So currently, you're sitting in I know. It was 45 plus 2% levy 2% Medicare levy, but, yep, 47%. Currently, you're sitting in the 39% bracket. So every dollar that you earn over a 135,000 is charged at 39<unk> Yep. tax Oh, so wise. what's what's below? A 100 and alright. So it has a week, is it? Yeah. So tax brackets work. So, basically, not that they pay it this this way because otherwise it'd be really confusing for people as they get, you know, through the year. It's averaged out. But, basically, the first $18,200 that you earn in any financial year is tax free. Right? So let's just Yeah. say, for example, say, in the year you went and earned $18 in one month, you would pay tax on that money straight up because it would be assumed Yeah. that in that month, you were gonna earn $18 each month following through. So they would gross it up and say, oh, well, you're gonna earn, you know, $200,000. So therefore, we're gonna charge you at what is appropriate for that amount of money. Now, obviously, if you only earn that $18,000, you would go into your tax return. You get all that money back on your tax return. Yep. Yep. So the next bracket up from there is, like, 18,201 through to 45,000, and that's 16<unk> on every dollar Yeah. over 18,000. Then it's 45 to $1.35 at 30<unk>, Yeah. and then it's $1.35 to $1.90, which is your 37 slash your Medicare, and then it's $1. 90 and over, which is your 40 Yeah. 5. Gotcha. Mhmm. So if if for whatever reason, if I go up over the $1.90, I should start thinking about delivering more than a super, do you think? Or Yes making another and investment somewhere? yes and no. It all just depends on, obviously, your cost of living. So when Yeah. it comes to salary sacrifice, there are a couple of considerations. The first consideration is how much you're allowed to actually contribute, which you're only allowed to contribute up to $30,000 in any financial year Uh-huh. under some certain rules. Now there are ways that you can utilize previous years, Yep. what they call contribution caps, to be able to put more in, but the other consideration is is your actual living expenses. If Yeah. you're Yeah. currently Yeah. living on the net of a $185,000 for your family putting nothing into savings, then there's not really any room for you as a family to put money into your super. While Yeah. it is Yeah. another savings account, it's a savings account you can't currently live on. So that's the probably the biggest immediate consideration that needs to be made is can you afford to put money into your fund under salary sacrifice, and what does that sort of look like? So you could turn around and say, I can afford, say, $300 a month that I would lose. Now what I would do is I would say, cool. That's $300 a month net that you're happy to forego out of your net income. What does that convert into from a gross perspective? Yes. I mean, Because that's not a problem. it would come out of your gross income before tax comes off it. And that's what I would do, but you Yes. would need That's to make the right. consideration. And that's that's where if I do go over that, if I get to the 200 sort of grand a year, then I'll be ringing you and saying, how much can I salary save for most without affecting too much my take home? Yeah. Because currently, your employer on, like, the 185, your your employer like, Rio Tinto would put $2,222,200 into your fund on your behalf. Yep. Yep. So you're just you know, you're basically $7,800 away from hitting that cap, but you've never earned to the point where you could where you would still have room in those contribution caps from the last five years that we could we could use. So if Yep. you ever got, like, say, a lump sum payout, we could probably put some money in Yep. that way. In terms of other, I guess, investments, none of them are really as tax effective as super contributions. Uh-huh. But, again, investing personally, you have access to it. So, you know, the 15,000 that you have currently in the offset, it's in the offset, but it's only offsetting, say, the, you know, the four and a bit percent or the 5% interest that you would accrue on your mortgage. You Yep. could invest that 15%, and you could get 6%, 7%. You could also drop and only earn two or 3%. So it's That's depending right. on the risk Because level there's that a you're risk. willing That's right. Yeah. So So 15 whether you're grand, we're not really willing to risk Yeah. that. The 6% is offsetting is is good enough. Yeah. And that's and that's sort of, I guess, the Yeah. the consideration Yeah. If of you've the question. made a speculative thing and it made a 100% increase, that'd be great. But Yeah.","start_word":5039,"end_word":6037,"sentiment":"neutral","sentiment_score":0.032370519140983246},{"text":"I'm afraid of the markets at the moment with the Mhmm.","start_word":6038,"end_word":6048,"sentiment":"negative","sentiment_score":-0.3584098815917969},{"text":"the work current world, the stuff that's happening in the world. Yeah.","start_word":6049,"end_word":6060,"sentiment":"neutral","sentiment_score":-0.2822647988796234},{"text":"Which I don't is have completely a lot of faith.","start_word":6061,"end_word":6070,"sentiment":"negative","sentiment_score":-0.3811196982860565},{"text":"fair. I'll be I'm old enough to remember 2010 and, like, 2016 Two thousand and was '1. a Yeah.","start_word":6071,"end_word":6089,"sentiment":"neutral","sentiment_score":-0.09437984228134157},{"text":"2016 was a bit of a bad year.","start_word":6090,"end_word":6097,"sentiment":"negative","sentiment_score":-0.4447082281112671},{"text":"Yep. Yeah. If you if you look if you look back far enough, you'll you sort of see the cycles. It's, you know, o one. There's o o seven to o nine. Then you got COVID in 2021 where you've got your big dips, but you also see the pop back up on the other side. So Yeah. whilst, yeah, Yeah. they They do still dip. are. Yeah. And even if you look back on, you know, thirty, forty, fifty years, you even see, you know, through, you know, the walls and stuff like that that they it does obviously take effect. But right Yep.","start_word":6098,"end_word":6202,"sentiment":"neutral","sentiment_score":0.04017128068066779},{"text":"now, what you can take confidence in is that this is money you're not touching. It's money that's invested, and we wanna make sure it's obviously making the most for you, but Yep.","start_word":6203,"end_word":6235,"sentiment":"positive","sentiment_score":0.4353961646556854},{"text":"it's not money that's taking away from your cost of living.","start_word":6236,"end_word":6246,"sentiment":"negative","sentiment_score":-0.3410409688949585},{"text":"Exactly. Yeah. So, yes, con contributions additional, definitely going to help, especially at the moment where you can buy in low while the market has had a drop, but you need to service the family and make sure that you can actually put food on the table. That's all. Yeah. So probably not a consideration for right now, but fingers crossed Rio Tinto give you that pay rise, and you'll be good. There we go. Yes. Now I've been talking and not looking up what I wanted to look up while I was talking because I got distracted. Crazy. I'm a woman, but I'm terrible at multitasking today. No. Does happen from time to time. Where was it? I downloaded your insurance statement earlier. Yeah. I just wanna make sure. Last discussions we had, I don't think it was you particularly, but with Oakview, they they sort of considered dropping my life insurance for getting older. You know? If I was the car, I want to know that my wife, at least, has loads of loads of money to I think it's a million dollars maybe. The life payout. It's sitting over, if I remember correctly. I'm just pulling it Because what have I got? I got life, t p and d, and income protection, I think. up. Yes. I just Yeah. wanna Yeah. make sure Yeah.","start_word":6247,"end_word":6473,"sentiment":"neutral","sentiment_score":0.00871349684894085},{"text":"they're they're all in place and where they fit.","start_word":6474,"end_word":6482,"sentiment":"positive","sentiment_score":0.3799694776535034},{"text":"How much it's costing me and what do they all get out or or the family gets out of it. What does the family get out of it? Yeah.","start_word":6483,"end_word":6511,"sentiment":"neutral","sentiment_score":0.04880009591579437},{"text":"Definitely.","start_word":6512,"end_word":6512,"sentiment":"positive","sentiment_score":0.3565821051597595},{"text":"Yeah. So you've got in life insurance, you've got 1.59. So 1,000,000 Just 590. just just hold it for a minute. I'll just get a pen and paper. I'll send it to you anyway, but definitely. Oh, yeah. Finance. So I'll just drop this down. Sorry. $2.47 in super. Yep. Okay. Lost. So life insurance is $1,591,348.96. We're gonna be specific. Yeah. Total and permanent disability is of the same amount. So 159134896. Yep. So to define them, life insurance pays out if you were to pass away or be diagnosed as terminally ill. Yes. Total permanent disability pays out if you were totally and permanently disabled, not able to work in any occupation in which you were trained qualified or have experience in. Okay. Income protection, you have a ninety day waiting period. So if you're off work for ninety days, then your policy can pay you for up to five years. So it's a five year benefit period, and you're paid $13,909.16 a month. Ninety day waiting period 13,900 One three nine zero nine and sixteen. per month. Per month. Yes. Something's changed there, which I'll probably just leave it the same. But so the re the reason I put the ninety day waiting period in is because it dropped the the premium a bit. Premium. Mhmm. But work now so what you probably didn't hear about it. So work used to have a great sick leave policy that you used to have Policy? two, three days a year or about thereabouts, Yes. Yep. which once you on a on a eight and six roster, that's about three months. And Yes. then they Yep. would drop you down to your base pay without all your side allowances. Yep.","start_word":6513,"end_word":6802,"sentiment":"neutral","sentiment_score":-0.008655642159283161},{"text":"So they realized that, oh my gosh, everyone's just bludging and, you know, Mhmm.","start_word":6803,"end_word":6816,"sentiment":"negative","sentiment_score":-0.3683888912200928},{"text":"we're really short on workers at work. So they've now changed it to fifteen six six days a year. And but you in case of serious illness or injury, you get twelve months at full pay. Twelve months. Full pay. So Okay. if I was to break my leg, get some disease or or whatever where I'm not able to work, they will Yep. now pay me my full wage for twelve months as opposed to the three months at full pay and then drop you down to a base salary. Okay. So I'd probably keep that the same just for but the one thing, yeah, I wanna know is how much these Premiums? are costing me, Yeah. the premiums That's like for both both the last dividend income and whether changing things affects the premium that much. So I guess, yes, we can definitely change things, and it will affect the premiums. The I guess the there's a couple of ways we can change the policy. One of the ways would be to to drop the benefit period. So it's currently a five year benefit period. You could drop it to two years, and that would that would bring the premium down. I'd have to quote it to find out exactly what it would drop the premium to, but it would would definitely help. Or the It won't help it won't help us on battling cancers without use. correct. Yes. It won't help in that way. There is one Yeah. benefit I haven't touched on yet because it falls a little bit outside of life TPD and IP, and that's trauma policy, which you're insured for $318,269.79. That's a lump sum payout that would give you money if you are battling cancer. Yep. That Is there that any can like, I mean, how does that what is that? Is that any cancer, any trauma?","start_word":6817,"end_word":7131,"sentiment":"neutral","sentiment_score":-0.06598878651857376},{"text":"So I I fell off a ladder and snapped my pill. I don't know. You know, just plucking things out of the is it trauma like that?","start_word":7132,"end_word":7158,"sentiment":"negative","sentiment_score":-0.40220189094543457},{"text":"Is it Yeah.","start_word":7159,"end_word":7161,"sentiment":"neutral","sentiment_score":-0.18486325442790985},{"text":"No. It's like medical trauma events.","start_word":7162,"end_word":7167,"sentiment":"negative","sentiment_score":-0.4409901201725006},{"text":"So, like, if you fell off a ladder and you severely impacted your brain, yes. If you there are some side benefits that, like, if anything had happened or if you did fall off a ladder, like, call me and, you know, so long as it's significance ish, like, if you just got a gas on your legs, no. But if you're, you know, bed bed bound for, you know, two weeks because of it, then give me a call because there are benefits that we could probably look at claiming under that. It's very I situational that we'd have to sort of talk about, don't and I have to look at and pull apart the PDFs know. to make sure. And is that sort of do do they if you if I'm out on a jet not that I rode a jet ski, but if I'm out of jet ski, Yes. and do they, like, spray out upon on that, I guess, as opposed to Nope. me No. doing day to day or as opposed to an extreme sport kind of things? No. Not Do that you enjoy I'm a it? jet skier. No. No. If you were you were rock climbing or whatever the case may be, absolutely fine. Oh, okay. Not not It's an issue. You could good be to know. doing whatever it is that you're doing. It's whatever you're doing in your normal life. So let's just say you're up on the roof, fixing the roof of the the house, and you Gotcha. fell and something happened to you. You're covered there. If if if it's just anything in that realm Gotcha. that could possibly happen irrespective of whether you're at work or not. Now, obviously, if you're at work, work does help, but I don't know if you've ever been a part of or watched any of the guys go through a work cover claim. They do start dropping off in benefits. So, generally, they pay a 100%, and then it eventually drops to 90 and then 85 and then 65, and then they pay you out. Yep. And it doesn't give you, you know, any sort of longevity, which is where the secondary IP policy can kick in and where your TPD comes into effect if, you know, you're long term never able to work again. That 1.5 is obviously gonna pay off a little bit of mortgage and set you up with a massive lump sum. But if we ever went to claim, we could definitely look at what that would look like for you. No prob. Now premium I've skipped over it. So sorry. Premium is from your super fund for the life PPD and and IP is $1,896.60 per annum. 1,800 So $1.08 $9.06 and and 60 nine six per year. per year. And That's not then, that much. I thought it was more than that for some reason. no, it's actually quite reasonable. I've even triple checked when I had a look at it because Because because I work with explosives, that's always been a thing. But does my new job, because I'm less actually dealing with explosives, that changed at all? I wanna have a look at it. Like, I probably need a couple more questions to do with your job. I do wanna look and see whether we can get an occupation rating change to it. It is hard with Resolution Life just because they are what's called a grandfathered book. Like, they're no longer Resolution Life sold their book. Oh, how long ago? Past a decade? More? Yeah. Probably about Was six that six, a and seven p? years ago? Yes. Yes. So it was used to be called AMP Elevate, and they Yeah. transitioned to Resolution Life and then grandfathered and sold their books. They sacked 90% of their workforce, and they only have a very small, basically, claims team that they that that work for them now. They just they got to a point as a as a insurer that they got they hit their cap. They weren't gonna insure any other people because the risk having reinsurers and underwriters and everything like that, they just made the decision that they weren't gonna write anyone.","start_word":7168,"end_word":7878,"sentiment":"neutral","sentiment_score":-0.06869836148456179},{"text":"I love Resolution Life.","start_word":7879,"end_word":7882,"sentiment":"positive","sentiment_score":0.5419855117797852},{"text":"Don't get me wrong.","start_word":7883,"end_word":7886,"sentiment":"neutral","sentiment_score":0.26444536447525024},{"text":"Like, in no way, shape, or form am I saying the product's not great.","start_word":7887,"end_word":7900,"sentiment":"negative","sentiment_score":-0.3666331171989441},{"text":"It is a fantastic product.","start_word":7901,"end_word":7905,"sentiment":"positive","sentiment_score":0.6054717898368835},{"text":"And especially for someone in your occupation, they are pretty much the only people that will ensure your occupation. There's Yeah. not That's really right. any Because anyone I used on to the get market all these that phone do. calls from these random laughing serious people. And then you only have to say the word explosives and they just hang up on you. Yeah. Yeah. No one really ensures your your occupation. Yep. But I can definitely have a look to see whether there is something, and I sort of already wrote in my notes to have a look. It just sort of depends on, I guess, the percentage of how much you work with explosives now versus how much you did previously. Generally speaking, they kind of consider any explosives as explosives irrespective of percentage. And Gotcha. there's probably not gonna be a lot of movement, but it's still something I wanna look at anyway. Just But in saying that 1,000 I eight think 100 a year is not instead bad. of my service, it is less than I thought. Yeah. So You that's yeah. yeah. No. You know, definitely not bad at all. You are paying for the trauma policy out of pocket, though. Let me just flip over to that policy because it's, like, 180 something. Sorry. I had it up. Yeah. Go back. $181.31, and that's for the trauma policy. For the trauma policy It's been months, ain't it? that's monthly. Yes. Yes. Yes. Yes. Sorry. Yes. And what's that? Are you? Let me 131 I have the year of the day access to a calculator. 2. No. You're okay. 217572. 217572. Yep. Those numbers aren't as big as I thought they were. Okay. You know, and and it's with any luck, my health holds down.","start_word":7906,"end_word":8206,"sentiment":"neutral","sentiment_score":-0.07406681776046753},{"text":"It's a complete waste of money.","start_word":8207,"end_word":8212,"sentiment":"negative","sentiment_score":-0.6601733565330505},{"text":"But if it doesn't hold out and then they'll get crook, I'm sure I'll be very happy with it. Definitely. Did you want me to look at, like, decreasing the policy? Are you happy and comfortable with where the policy sits at the moment? Well, I I think so. Okay. I do know that, like, Just your because income those numbers protect are pretty numbers pretty good. If whatever happens and I get 3 anything 100 and happens. 80 $18, then I'm sure that's gonna come in handy.","start_word":8213,"end_word":8300,"sentiment":"neutral","sentiment_score":0.11576630954038011},{"text":"Definitely.","start_word":8301,"end_word":8301,"sentiment":"positive","sentiment_score":0.45260143280029297},{"text":"And if I cut it, I'm sure the 1.5 is the waffle we have here with that.","start_word":8302,"end_word":8318,"sentiment":"neutral","sentiment_score":0.3010696470737457},{"text":"I'm more than happy, I think.","start_word":8319,"end_word":8324,"sentiment":"positive","sentiment_score":0.6497728228569031},{"text":"Oh, well, you know, it doesn't replace, but I guess it helps. Yeah. The one thing I did note when I was looking at everything and your income changed, so I was doing the math before, is that your income protection policy has increased a little bit further than what you would actually be able to claim on. So you know how I said you were insured for $13.09 $0.09 and Yeah. cents? Your income at a 185 for the policy only enables you to be covered for up to 75% of your income, which 75% of your income is actually $11.05 62 per month. So we can drop the income protection. It's gonna increase again down the Oh, so line. so I'm paying for $13.09 $0.09 per month in in the in the case In of a income benefit. protection, but Yep. then they're gonna give me $11. Yep. Because you can't be better off under claim than what you were working. Yeah.","start_word":8325,"end_word":8488,"sentiment":"neutral","sentiment_score":-0.028493326157331467},{"text":"Frustrating. I know. So we Probably can drop paying two months for that one the whole time ever.","start_word":8489,"end_word":8506,"sentiment":"negative","sentiment_score":-0.4157080352306366},{"text":"it's increased over time. So the policy CPIs and it increases. So it's increased over the last couple of couple of years, and it's popped just a little bit over. The last couple of increases, it's just been enough to push it. So it's just something that I mean, it was a lot higher, but you've obviously had that pay increase, so it's leveled out a little bit. It's something that I did wanna raise with you and look at when we were looking at the insurance is just Yeah. to at least drop that income protection.","start_word":8507,"end_word":8603,"sentiment":"neutral","sentiment_score":-0.2399883568286896},{"text":"The other consideration is that if we don't drop it and your income increases or we do drop it, sorry, and your income does increase, you'd be getting less than what your new income could possibly be if that made I have a sense.","start_word":8604,"end_word":8647,"sentiment":"negative","sentiment_score":-0.3748129308223725},{"text":"fair bit of confidence that at least work's gonna pay me pay me a minimum of one year so that that'll be you can double dip.","start_word":8648,"end_word":8673,"sentiment":"positive","sentiment_score":0.39267244935035706},{"text":"Okay.","start_word":8674,"end_word":8674,"sentiment":"neutral","sentiment_score":-0.0653635561466217},{"text":"They they don't so income protection, so I I fall over and break my pelvis.","start_word":8675,"end_word":8689,"sentiment":"negative","sentiment_score":-0.3839415907859802},{"text":"I like to pay Yep. break pelvis rather than something I'm gonna die from. Yep. Break my pelvis, they're gonna pay me 75% of the wage. So it was 11 and a half grand or whatever you said. Yep. Plus work will still pay me for at least one year. And It depends that that on that how it depends on how work pays you. If work's just paying you every month as if you were working, then no. The Oh, IP policy would kick in after. really? Yeah. So you would just continue to get the pay from work first, and then the IP policy Oh, you can can't kick double in. dip on that one. No. I was under the assumption you could double dip. No. Just like you can't double dip work cover with income protection either. They No. have to I understand the work cover. sit back to back. It's the same as if Oh, if you had sick leave, long service leave, annual leave. You could choose to use that up prior to your IP policy kicking in. You could use that leave up during the ninety day waiting period, and then the IP policy can kick in. Well, But so so in saying that, should I pump out the ninety day waiting period to to one year waiting period? Because I have confidence that my work will pay me for a year, and that that should reduce my pay with it. It'll reduce yeah. Yeah. 100%. It'll reduce what you pay. I'd have to look and see whether Resolution Life dual one year waiting periods. They used to back in, like, a decade ago, but I'm not sure what they offer at the moment because a lot of insurers removed their six month, one year, two year waiting periods because people that are not supported for a long period of time, you know, when they're ill or injured, generally end up going on really long term claims. So insure sure as an industry made the determination to shorten waiting for only offered short waiting periods. So that way, basically, people would go on claim earlier, and then there's, you know, services that are offered through them under claim. I can definitely look Interesting. at it and see what how it affects the premium. But in saying that, you did say that your your your work changed their poll their their leave their sick leave policy. So Yes. do you have confidence that they won't change their sick leave policy in the future? Yeah. I'm pretty confident that they've it's a fairly rash decision to change your sick leave from fifty days to fifteen. A lot of disgruntled employees there, but it's, yeah, set in stone now that they wanna go back. Okay. So, I mean, if you're confident, I can definitely look at it and see whether they offer and what the what Because the basically that's that's the longest industry term. or actually, they're even above industry standard. Industry standard 10 Yeah. days a year, I think, like, Yes. Correct. that leaves I've slipped another five days in there. Yeah. Yeah. Industry standard is ten ten sick and 20 annual. Yep. So they're definitely sitting above. But, yeah, I can I can definitely have a look and and quote it up and see what what is offerable? See how we go because, like I said, that 1,800 a year coming in with a super to pay for that and life isn't as scary as what I thought it was. Yeah. We're not talking $10. Yeah. That's right. Exactly. Yeah. Alright. Cool. I will investigate it and see what's offered there. Now I I wanna confirm that your wife sorry. The hiccups.","start_word":8690,"end_word":9317,"sentiment":"neutral","sentiment_score":-0.0608624229148315},{"text":"I wanna confirm that your wife, Shannon, is 100% the beneficiary on your life policy. That's still definitely the way you wanna hold it. Yeah. Yep. Perfect.","start_word":9318,"end_word":9344,"sentiment":"positive","sentiment_score":0.5879819989204407},{"text":"Just thought I'd ask the question. Yeah. And and maybe we need to sort that wheel out because, I mean, the only other thing is the kids. So if we both cock it, then just leave everything kids, but I don't know how automatic that'll or does that get sticky if we're in a plane accident or a car accident and we both cock it? Is it as simple as that or It's is actually that where really without a wheel gets a bit tricky tricky? it it gets messy, but I it's it's actually kind of interesting. It it depends on survivorship laws, which you're in WA. So not a 100%, but I know that Queensland survivorship laws, and I'm pretty sure it's pretty much across country, is it's if you die at the same time, it's assumed that the older of the two passed away first, which means that the state of the older migrates Oh, that'll fit to the Catamax with Pigeons. They already fought over everything. yeah. So it means that the that your like, if you were older, your assets would might like, would basically settle onto Shannon, and then Shannon assets would settle onto wherever it needs to settle from there. So it's not that they both get get implemented at the same time. It's that it actually has to settle first to her and then then to someone else. With the superannuation fund, look, realistically, the kids are probably gonna be the prime candidate for it, but it does become Probably we've a little probably bit I messy. see where the wheel kicks in now because we've got an executive, which should be the brother-in-law. He's a sensible guy and a bit younger than us. So, I mean, I can put my mom or the wife's mom, but she's about getting too old for such a gig. So I spoke to brother-in-law to the sensible one as an executor, and he could he he's we I don't confidence that he'd make the right decision in such Yeah. a case. I think because the kids are so young, the biggest probably point to make is that, like, your your wills can literally mirror each other. I went and got a will. Me and my husband got one done for a grand, and we got two wills and two power of attorneys drawn up. So four documents for a thousand dollars. So it wasn't break the bank money. They're wrong. You know, it wasn't expensive to live without, but it wasn't ridiculous. And then Mira will, so it means that if he passes away, everything comes to me and vice versa. If neither of the neither of us is surviving, then one of my poor sisters ends up with three kids and all their assets and blah blah blah blah per our wishes. And that's probably the biggest part that you need to consider is that what happens with the kids and who becomes their guardian, which is something that you can make a decision in on the will. Right. That'd be the also the brother-in-law, but and they Yes. they live in Bali, and they got three young kids.","start_word":9345,"end_word":9879,"sentiment":"neutral","sentiment_score":-0.0965360380918066},{"text":"They get along because the cousins are great. It's all Winning.","start_word":9880,"end_word":9890,"sentiment":"positive","sentiment_score":0.4652698040008545},{"text":"very it's all very because they wanna move back to WA anyway, I think. So that that would probably cool. We'll look after the kids when we're moving into your house. Yeah. And then it'd be a madhouse because there'd be five kids here, but they can do it with it. Yeah. Well, I mean, more kids the merrier in my book. Once you once you Yeah. hit And so the couple then then you'll be oh, jeez. Thank god you did the shed out. There's a bit of a granny flat. Yes. You found I'll me out there a bit. I'll need it. Yep. Now the one thing that is missing is while your insurance policy has the nomination made on it, your super fund doesn't. So I wanna get a beneficiary form out to you so you can fill it out, and we can pop it on the fund. Oh, so does that sort of supersede a wheel as far as the super is concerned? So your super fund your super your super or the insurance policy can either form part of the estate or can be held outside. So it means that the super policy currently, because there's no nomination, it's an estate asset. It will be assumed that you have a will, and the will will the the will is the document to follow. You don't, Yep. which means you're passing away intestate, which means that the money has to go through blah blah blah and all the, you know, fun things that has to go through. Realistically, because it's superannuation, your wife's gonna be the forefront, you know, contested for the money. Yeah.","start_word":9891,"end_word":10168,"sentiment":"neutral","sentiment_score":-0.0027459099915602223},{"text":"But the the the nomination document just makes things a lot smoother from a claims perspective. And it's something that we can put on file, set and forget.","start_word":10169,"end_word":10196,"sentiment":"positive","sentiment_score":0.4423823952674866},{"text":"We remind you of it every year and just be like, it's this, which is still the standard, and you say yay or nay. And if we ever wanna update it, we can. And just and this is all very hypotheticals. We don't plan on dying anytime Yeah. particularly soon. But I don't know. if if I was to put the kids as the beneficiary, can they access it? So they have to wait till they're 18 or something, is it? So you can nominate the kids because your children will always be what's considered assist dependent, which is the superannuation industry legislation, your your children will always be assist dependent. Your children, once they turn 18 and or become nonfinancially dependent, so between 18 and 25, could have a tax element to it because they're non tax dependent, whereas your wife will always be a tax dependent while you're married. So there's tax considerations for any benefit from your super funds beneficial to go to your wife. But let's just say for argument's sake, something happened to you sooner rather than later. All you're doing to your wife is making her go through three sets of documentation rather than one. And, essentially, she's the one that's gonna end up with the money because she is the guardian for the children right now. So the money would just go to her through a full documentation for the kids.","start_word":10197,"end_word":10434,"sentiment":"neutral","sentiment_score":0.031807938254117464},{"text":"Wrong.","start_word":10435,"end_word":10435,"sentiment":"negative","sentiment_score":-0.43596798181533813},{"text":"Unless you had a trust set up where the money went to the trust and she would say, you know, the trustee for it and could control where it went and how it was dealt with through the trust and the trust documents. Essentially, from the super funds, the money just goes to your wife, and she uses it to support and look after your kids. Yep. So it's probably more of a conversation. There's no without having a will or a trust or specific I'm picking up what you put now. Just just hurry up and get a will, would you, is what you're saying? setups? Not really.","start_word":10436,"end_word":10544,"sentiment":"neutral","sentiment_score":-0.04571305215358734},{"text":"Like, your your position is really simple, so it's it's good.","start_word":10545,"end_word":10555,"sentiment":"positive","sentiment_score":0.3613523244857788},{"text":"Yeah. You know, me personally, I didn't wanna pay the $5 to to put a a a trust together. What I did was I wrote a letter to my sister in the event that both of us passed away, put it with my will, and it basically stipulates that I want x amount of money to be put in a savings account for each of my kids to be given to them on their 20 birthday. Yeah. That's all it says. The rest of the money is yours. The rest of the assets is yours. That's they're they're my wishes. Put that amount of money away, and that's that's my legacy to my kids because I know that, you know, while my kids are all very young, everything I'm leaving has to be used to raise them. Yeah. So you could do something similar if there's, you know, if that's what you wanna do, or you can go through the the the trust position. But, realistically, right this second, the biggest thing is is just get the nomination on file.","start_word":10556,"end_word":10735,"sentiment":"neutral","sentiment_score":0.07389543205499649},{"text":"Really just nominate your wife.","start_word":10736,"end_word":10740,"sentiment":"positive","sentiment_score":0.38533899188041687},{"text":"There's no no requirement to nominate the kids. Yep. If anything happens in the future, sure, we can definitely revisit it. But a nomination to to Shannon is is much better than trying to split it three ways and make the paperwork three times harder.","start_word":10741,"end_word":10785,"sentiment":"neutral","sentiment_score":0.13114481866359712},{"text":"Yep. Cool. Amazing.","start_word":10786,"end_word":10788,"sentiment":"positive","sentiment_score":0.5463881492614746},{"text":"Now I guess we've talked a lot. I have. I wanna know if there's anything else that you have question wise. I guess, actions for me at the moment is to send you the beneficiary form. I'm gonna have a look at other investment options to the Superfund, and then I'm gonna look at the insurance policy just to see what it looks like if we do extend it. Is there anything else you wanna look at or talk about? No. That's about it.","start_word":10789,"end_word":10872,"sentiment":"neutral","sentiment_score":0.08883871138095856},{"text":"That's Amazing. pretty good. I'm pretty happy with those numbers.","start_word":10873,"end_word":10882,"sentiment":"positive","sentiment_score":0.594338595867157},{"text":"It's only let's say, about $4, I guess, per year for all that insurance. Yeah. Yeah. Yeah. Just yeah. Just over. $4. Yeah. Yeah. And that's acceptable in my current situation, I think, for those numbers with, you know, for the payer numbers. Yeah. And if if you wanna change them, like, don't be wrong. It's a lot easier to reduce them than it is to increase them. And in your position, I probably Yep. wouldn't need increase. If you do wanna reduce them, we definitely can. So if you wanna, you know, drop down the the trauma policy so it's taking less of an impact on your back pocket, put more money into your savings No. from that perspective, Is that's is definitely that due to something go we up can do. every every year you get older? It will. Yes. It will increase each year as By you by get what older. kind of percentage, I guess? Because It's I'm 50 this year. But is 50 like a big number where they go, oh, cool. We're gonna plug you no. in. Or it's It's just percentage per year? it's percentage per year. It's pretty standard. It's based on, like, CPI or a limited CPI. It's not full. Okay. I I can I'll when I'm doing the research with the the income protection, I'll see if I can pull a future premium projection as well. Yeah. Okay? And That'll I can just pop that'll that come into play. as we migrate through. I'm just sorta I guess I'm just putting considerations forward because I like, you are on one one occupation. So I don't want, you know, things to cause massive issues for you cost of living wise because I don't know if you know, but No. the fuel's pretty expensive these days. You you I'm trying to fear factor fear me into it, No. but that's No. No. that's No. dead Not right. at all. I know. That riding bikes is saying. No. Right? That that's all pretty good.","start_word":10883,"end_word":11223,"sentiment":"neutral","sentiment_score":-0.015241263051929712},{"text":"I'm pretty happy with all that. Perfect.","start_word":11224,"end_word":11230,"sentiment":"positive","sentiment_score":0.3938153088092804},{"text":"Alright. Well, what I'll do is I'll get cracking. If you give Because me a realistically, couple of this is just the way my brain thinks. So if I'm yeah. getting, would you say, about $2 super contributions from work per month? It's $22,200 per annum. So, yeah, just the 1,800. 1,800. Certainly, that's I'm getting about eleven months of contribution after they pay for the $1.08 $9.06 per year for the loss and TBD income protection. Yes. Yeah. Yeah. That's definitely a way of putting it. Yeah. Yeah. That's just why my brain works. Sorry. And then No. I love it. I just have to cough up the 2,100 to pay for the trauma, which I'm happy enough with at this stage.","start_word":11231,"end_word":11353,"sentiment":"neutral","sentiment_score":0.032333772629499435},{"text":"Perfect.","start_word":11354,"end_word":11354,"sentiment":"positive","sentiment_score":0.3684729933738709},{"text":"And and Amazing. just tell me about trauma. Do Mhmm. they and now if I just break my arm, I'm running out for six months. Do they it's it's not the full lump sum of $3.18 that they sort of do it per injury kind of thing. Is that the way that works? Or is it There just a standard $3.18 lump sum? there's different there's different claimable So events. I know So insurance companies.","start_word":11355,"end_word":11429,"sentiment":"neutral","sentiment_score":-0.029180379584431648},{"text":"I don't I'm never on sort of insurance companies or scammers.","start_word":11430,"end_word":11440,"sentiment":"negative","sentiment_score":-0.3697565793991089},{"text":"they can be. The big the biggest claim buckets for a trauma policy are heart attacks, strokes, neurological conditions like your Parkinson's, Huntington's, muscular dystrophy, and then your cancers. So they're your big four buckets. So, like, it's your cardiovascular, neurological cancers. They're your massive claims. It'll pretty much almost get you to the point of a full claim every time. Some cancers, depending on the grading severity, may see a partial. For example, testicular cancer, you know, grade, like, stage two removed and the cancer's done could get you a partial. Right. In terms of any other, like, specific events, it's event specific. I can definitely look at what would be claimable under those conditions. Each provider's different, and it's not something I keep as a traveling encyclopedia, you No. know, for the 15 different insurers exactly what is claimable. But there is there are there can be, I guess, is probably the best way to put it. There can be claims that that fall outside of those buckets. For loss of limb temporarily, you know, you could have, you know, severed fingers, arms broken. There are things along those lines that can fall into it. It just depends on whether your policy does cover it. But as I'm as I'm looking through the insurance IP, I'll put together from your because your policy is older, which don't Okay. get me wrong, in I've this got day something and age, else it's better. I've I got can put something that else together to mention too. as well. Of course. Now when I've had that policy, I had to go through a lot of work to get rid of that hip injury.","start_word":11441,"end_word":11722,"sentiment":"neutral","sentiment_score":-0.1356399804353714},{"text":"Exclusion? I think that I've had enough exclusion.","start_word":11723,"end_word":11730,"sentiment":"negative","sentiment_score":-0.4572609066963196},{"text":"Yep. Yep. So that was excluded into my knowledge. Can I just confirm that that's still the case, I guess? There's a lot of I went through I used to work to had to get neurologist reports and and all that kind of stuff to exclude but there was no exclusion for any To hereditary. remove It was it. like, yep. None of those that that they didn't so they would still pay out if my head had a relapse of the head injury, which is hasn't been the case for twenty five years or whatever it is. Yeah. No. There's there's Oh, no exclusion on the policy at all. So an exclusion is where they do not pay for it. So there's not an exclusion on the policy. cool.","start_word":11731,"end_word":11860,"sentiment":"neutral","sentiment_score":-0.15019924365557158},{"text":"So, yeah, you're all kosher on that front.","start_word":11861,"end_word":11868,"sentiment":"positive","sentiment_score":0.3545757234096527},{"text":"There was one there was one there because I had a harassment case and this is also, what, fifteen years ago. There's a harassment case at work and I went to the doctor and just had some time off because of work related stress. And then I I was honest when I took that policy out and I think they excluded stress and stuff like that. But what Mental you're saying, there health? was a yeah. Mental health. No. I mean, let me I can I'll contact them and and have a look, but I cannot currently see It was I mean, it's an it's exclusion. I didn't get diagnosed with mental health or stress related injuries. It was just I was just honest. They said, have you ever suffered stress? So I said, oh, you went to the doctor because I got grass at work and I just took some sick leave because of I wasn't, you know, fit for work. Yeah.","start_word":11869,"end_word":12031,"sentiment":"neutral","sentiment_score":-0.1519765555858612},{"text":"It was not like to to to get diagnosed with stress is a whole different kettle of fish.","start_word":12032,"end_word":12049,"sentiment":"negative","sentiment_score":-0.4200041890144348},{"text":"Yeah. But, generally speaking, insurers, if it's been an extended period of time since the Yeah. event occurred when you take out the policy, then they're fine. If it's a one off event, it's fine. If it's there's Yep. a difference between acute and chronic, acute being because an event occurred that another reasonable person would also feel, you know, Yeah. attached to versus chronic being something that's long term. Yeah. Yeah. Yeah. I I will definitely double check, and I will include it in the email when I get all the data through. But I I can't see an exclusion at all for either mental health or for a brain injury, but I will Perfect. double double check. Now I went I went through a lot of the because I was worried about the brain injury, but through so my old financial adviser guy, he helped me through and he would Yeah. excluded that, I guess. Or, you know, so it was never gonna be a drama. There's never been a drama since. Yeah. You you you were ensured that the exclusion was removed Yeah. Yep. or that it And was I included I I would in take the it Volusia. from myself just to go to neurologist every couple of years just to go and have a chat and Yep. whatever. And and he's like, no. You're all good. Don't worry. Everything's fine. No. That's Yeah. good.","start_word":12050,"end_word":12288,"sentiment":"neutral","sentiment_score":-0.0015262622838239789},{"text":"Oh, perfect.","start_word":12289,"end_word":12290,"sentiment":"positive","sentiment_score":0.4319383203983307},{"text":"Alright.","start_word":12291,"end_word":12291,"sentiment":"neutral","sentiment_score":0.2850189208984375},{"text":"Well, I've got a little bit of homework to do, which fantastic.","start_word":12292,"end_word":12303,"sentiment":"positive","sentiment_score":0.36953669786453247},{"text":"Yep. You'll get an email from me. It'll probably take me a couple of weeks to get an answer from ResLife or Resolution Life just with regards to, like, the quotes and stuff like that. So I will send you an email through with the details when I get it. I haven't forgotten. It's just gonna take time to get it from them. No, bro. And, otherwise, I will include the trauma claims just so you have a little bit more in-depth, I guess, information on what is actually claimable, what what partial claims are available under your policy as well. And I will double check on the exclusions and ensure that they're definitely 1000% on none. No worries. Now my wife just walked out then, but maybe Yes. she's due for a catch up call. Not now, obviously, but at some stage in the next month. Yeah.","start_word":12304,"end_word":12451,"sentiment":"neutral","sentiment_score":0.05525600537657738},{"text":"Can we just book I can't see every day. I just have not had a chance to look at it, and I'm not happy with the performance of the last year.","start_word":12452,"end_word":12482,"sentiment":"negative","sentiment_score":-0.4730270504951477},{"text":"Well, you need to sort of talk to him to make that work. Yep. My wife looks putting it ahead in his hand or is it else to me? No. That's absolutely fine.","start_word":12483,"end_word":12515,"sentiment":"neutral","sentiment_score":-0.0016899899346753957},{"text":"I am more than happy to schedule in an appointment if she knows what availability.","start_word":12516,"end_word":12530,"sentiment":"positive","sentiment_score":0.47016119956970215},{"text":"You you guys scheduling a phone call to her to schedule an appointment and then they're working at otherwise, I'll be in trouble. Absolutely. I I will send a text message to her after this to try and schedule in a time that will work. Yep. No problems. Absolutely. Now what I'm gonna do is I'm gonna send you a pack via email, and it's just gonna have a bit of a a summary on, like, where things fit, balance the figures that we we just ran through and you broke down. I did tell you I was gonna email it to you. Yep. I'll send that through to you so that way you have that. It also has our ongoing service agreement. So It seems it takes to book in the course. Mine was just, like, one thing, very slow in the whole of our year. And it's like Well, you need to talk to them about it. I'm not in charge of that. Okay. I'm just gonna have the chance to do my investigation into our budget. Oh, gee. She's forced to get that one. It they generally go hand in hand, feisty and calm. It works. No worries. So I will send you that email. Now we've changed our CRM or our our our data system, and it's all integrated with, like, any of our our email systems. So if it goes to your junk inbox, don't be surprised. But I am sending that now, so you'll get it within the next few minutes. Okay? Alright.","start_word":12531,"end_word":12789,"sentiment":"neutral","sentiment_score":0.08130506426095963},{"text":"Thanks very much.","start_word":12790,"end_word":12792,"sentiment":"positive","sentiment_score":0.5196883082389832},{"text":"That's okay. And, otherwise, I'll touch base with you in a couple of weeks to just have a chat about the investment changes that I recommend after I do my little investigation. No worries.","start_word":12793,"end_word":12826,"sentiment":"neutral","sentiment_score":0.2114284783601761},{"text":"Cool. Perfect.","start_word":12827,"end_word":12828,"sentiment":"positive","sentiment_score":0.432561993598938},{"text":"Well, if there's any questions, feel free to reach out.","start_word":12829,"end_word":12838,"sentiment":"neutral","sentiment_score":0.3026167154312134},{"text":"But, otherwise, have a fantastic afternoon. Cheers.","start_word":12839,"end_word":12845,"sentiment":"positive","sentiment_score":0.48578476905822754},{"text":"You too. Bye bye.","start_word":12846,"end_word":12849,"sentiment":"neutral","sentiment_score":0.19380579143762589},{"text":"Thanks, Greg. Bye.","start_word":12850,"end_word":12852,"sentiment":"positive","sentiment_score":0.7152971625328064}],"average":{"sentiment":"neutral","sentiment_score":0.008677278317709088}}}}