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Just the same as yesterday, I was just wondering if I could check security with you and grab your client password with us. Sensational, mate. And just like yesterday, the calls are recorded for training and quality purposes. So I've got that coming through to your Gmail address. Will you better look on to that one today? No worries. With the no worries. The with the new Odoo system, it should come through to the main inbox pretty well instantly. If it is the first time you've used it, it might be in the spam folder. Cool. Just while you're grabbing that one open, I was gonna just update a few details with you and then just dive into the attachments together and see if I need to change any of the strategies. The the sort of main thing I wanted to double check with you is there was a few different employers putting in contributions the last twelve months, and I think the most recent one would be RACQ. Awesome. So just with the the occupation and income, are you doing a similar role in terms of the value assessing for disaster relief? Yep. Oh, fair enough. What what are you doing now with our ACQ? Okay. K. Yeah. Right. Business initiative specialist. And do you have a a bit of a new salary now for this financial year? Or Yep. Perfect. Alrighty. I'll go a bit conservative with it and pop the 115 in. That way we're not going overboard with it. And a couple of questions from last fact fine, but we also got a couple of new ones as well, is just in terms of estate planning, did you end up putting a will in place? That's alright. It's just the yearly reminder from us. That's okay. And for insolvency, this one's a bit strange, but have you ever gone through a bankruptcy or a part nine debt agreement before? Perfect. Perfect. Alrighty. And the last couple of things, so just in terms of family, we have Natasha and the two children, and they are split as your beneficiaries for the super. So you've got it split three ways. Perfect. Any changes you wanna make there? Happy to leave that one as is. Perfect. And then for assets and liabilities, so one of your main priorities in terms of previous goals that I can see is the car loan followed by the mortgage and a little bit of travel. Would you say that's still, I guess, the cash flow priority for the next few years? Yep. Mhmm. Fantastic. I'm just gonna grab up a bit of an updated online evaluation for the home. Do you know off the top of your head how much is left on the vehicle? Yeah. Wow. Almost done. Absolutely. And that's good to do. You don't wanna have consumer debt hanging around for too long. It is one of the biggest sinkholes. With the property, interesting for your area, they're saying it's jumped all the way up to possibly 1.7 at the moment. Okay. And mortgage, we had six 50. Oh. Oh, no. $6.95. Sensational. Yep. Awesome. And outside of that, we just had the other vehicle and a boat. Perfect. And just in terms of cash flow with the new role and everything, do you guys have, like, a a set amount that you're able to put into savings at the moment, or are you just kind of pumping it all into the loans? What's the the cash flow like? Fantastic. And I just note down just a bit of a rough estimate in terms of cash savings at the moment? Yep. Perfect. I'll just say holiday flights are paid for, which is good. There's a spending money to build up in between. Oh, amazing. And are you going overseas for the fortieth? Or Oh, cool. Before I swing into the the policy and the the super there, are you going up north, central, or south? Awesome. I did a bit of a yeah. I went last year. That was my first overseas trip was to Japan and Tokyo, and it was just the the most incredible experience. If I could, I'd go back every year. It's just that that easy. Yeah. And sometimes there's wars and the economy explodes and the cost of living goes up and down and fuel crises. A few things pop up. Awesome. Just before I dive into the super there, if you've got that email open, when you hit the purple button, the first document that should show up to review, it'll let you kind of go through all six documents with me just to have a bit of a scroll. You should see a super and insurance summary. It's got, like, an Oakview financial letterhead is the first first document when you hit that sign button. Cool. Just in terms of so we got the hub and the MetLife. I wanted to double check with you for the life and disability insurance. So my analysis of that is obviously it kind of clears out the mortgage for you guys, which is a priority. And then with that million left over, you kinda get that eight years worth of of net income replacement. So all up, that would be income protection. It's a little over $2 at the moment. The 15% rebate drops at just under $2. Not too concerned in terms of pricing on my end compared to the market, but just wanted to see, you know, does that life or TPD insurance feel too much, too little? Does that sound comfortable in those scenarios of, you know, death and disability? Yeah. Needs haven't changed. A few other things have changed, but outside of that, still in the same priorities, I guess, as as last time. Awesome. So with the, income protection, just as a quick heads up, so can you see there how it's got the monthly benefit amount of $7.05 $8.05 and a thirty day wait five year benefit. And it's just under the approximate benefit on that first page. No worries at all. Perfect. Perfect. So if you're out of work for more than a month, it'll kick in a monthly payment for up to five years per injury and illness. Now because it's based on a percentage of income, they have a maximum of 70%. So because of indexation, they tend to slightly increase your benefit amount each year to try and keep up with inflation. So what's essentially happened is that they're protecting you currently for an income of a 130,000. Whereas if you're on a 115,000, what that basically means is if you went to claim on it, they may pay you a little bit less than what you're insured for. So let's say it's 7,500 a month, but you're only protected for that 115,000. They may pay you 6,700 depending on your tax return and things like that. So the options are essentially we can either trim it back down a little bit or we can wait for your income to kind of bump up and then you're already insured for it without having to go through underwriting to increase it. Mhmm. Yep. So would it be appropriate to kind of do a bit of a trim, do you think, or would you wanna kind of hold on to it for a little while? Yep. No. No. So looking at that, if I go 15,000 divided by the $1.30, at maximum, probably drop it by about nine or 10%. Cool. Yep. Yeah. I mean, fingers crossed. Get a random promotion or something, and then it's already filled in because going through medical questions and applications again can always be a bit painful. But I just wanted to let you know that if something happens, they would base it off, you know, for example, your last tax return and then percentage of that. Beautiful. And in terms of the super, that second document in there is a performance table. It's not the most user friendly performance table, but it's got a hub logo at the top. It's a blue table with all your investments listed. Can you see that one? Cool. So my analysis yesterday for the account, essentially, is you're in a high growth portfolio. So we're trying to aim for that 90% or above of your money being in growth assets, like shares, property, and gold, and small portion in the defensive side of things if that rings a bell. Now in that profile, you're essentially aiming for an average benchmark return of about nine to 10%, and that includes the really, really good years where it jumps up ten, twenty, 30, and it includes the odd year where there's a financial crisis and a crash, and it may drop ten, twenty, 30% as well. So if you can kind of average out at the double digits over a decade, you're pretty well on track, if that makes sense. Now having a look at it so far, you've gone from a 112 to just shy of a 130. And in terms of percentages, you've just cleared nine percent after fees, including that drop that happened in March with the Iran war. So the stock market had a bit of a dive, and it yeah. So dove, bounced back, which was lovely. I hope you're you're comfortable with the whole long term time frames when it comes to investing. Yeah. One of the strange conversations I have with people is, like, it always does come back up if you've got the time frame there. And you don't wanna be 64 years old losing half your super year before you retire because that's a bit of a nightmare scenario. Exactly. And so my question today is basically, are you okay to continue kind of growing it as much as we can? And then in those last seven to ten years, we can reduce the risk level down. Yeah. And you've just gotten to that point too where because you've hit 6 figures in the super, the returns that you're now getting are starting to eclipse the contributions that you're putting in. So, you know, when you've got your first $30 in super, it grows 10%, and you get $3 in there, but you're putting in that sort of 9 to 11. Whereas I think you've cleared just over 12,000 in earnings at the moment even with that dip in between. So it's gonna start to kind of accelerate over the next decade where it's gonna become that $10.15, $20.30, 40,000 is what will happen compared to your contribution. So it'll kind of do the heavy lifting from here. Yeah. And you've essentially got, what, twenty years just under until preservation age, and the age pension's not until age 67. So you've still got a good three market cycles of heavy growth to get, and then we can start reducing it down once you've built up that, you know, million dollars or whatever the figure is. You're at a point where at some point, we might talk about some salary sacrifice and extra contributions down the line. A few things we can do to catch you up after age 60 as well, a few different strategies. I guess I would say you're a little bit behind on balance for your age, but not too much, but you're catching up very quickly. So I'm not worried that that you're gonna be staying behind forever. You're gonna be at a point very, very soon where you catch up to where you should be. It's a lot better than the people who sit in that default balance option for their whole life, and they rock up into the office at 58 going, oh, I've got 250 in super, and I need a million. What can you do for me in five years? And it's like, not much. Yeah. I guess we're all at that point where we know someone of that generation that either didn't get super for a while or didn't pay much attention to it, and we're definitely in a lot better both. Yeah. Yeah. Nineties onwards. Yep. Yeah. Bit of downsizing. Yeah. Unfortunate. Absolutely. We do a lot of three generation advice lately where you've got grandparents trying to downsize to fund retirement. You've got their kids who are just getting established, and then you've got the grandkids who are trying to get into the market, and a lot of estate planning comes into it as well. One thing I did wanna point out to you as well is in terms of those investment options on that first page, do you still have that document open? Yep. So left hand side has all the option codes and names on it, and the right hand side, the very last column has, like, a percentage return after fees. Don't know if you can make out those figures there. Yeah. So where it says return net of IMF, I'm just looking in that column there. And what you can basically see is the top and bottom are in brackets, and everything in between there, it kind of builds up to the one in the middle, which is up just shy of 43%. So that's your battery tech and lithium essentially electric vehicles. They've done very well alongside the gold and the cybersecurity. Again, everything with AI electric vehicles and so on and precious metals has been doing very well. The only ones of concern would be the top and bottom, which is your Ben Long Australian shares option, which has been kind of dragging its feet compared to the Aussie market, and the property ETF has gone down a little bit just given the recent changes to negative gearing and capital gains tax. Yeah. So not good on property. It's one of the things where it's like it's been the most sensational investment for a century, and then a couple of government announcements make it have a bit of a shock. So that's probably one where long term, great. Next six months, probably not so much. I am putting a bit of a flag on that top one. So the the Benelong option, like I said, it's it's kind of underperformed the Aussie market. Usually, that's a bit of a temporary thing, but if that doesn't kind of catch back up, let's say, by Christmas or by the time of your next review, I'm probably gonna have to look at maybe switching that one out. So what I might do, if you're comfortable with it, is I'm gonna put a flag on the account that next time we speak, I'll see how you went income wise and whether we do need to trim down the income protection and just engine tune up the portfolio a little bit, especially if it continues to drag its feet and your next return is below benchmark. I would probably look at a few replacements in there. Is that okay? Cool. Do you want me to pencil in for a bit of a catch up before Christmas time to kind of jump onto this a bit earlier, or are you okay to just kind of see how it goes for the twelve months and then catch up for the annual review? Yeah. Correct. So what I might do is I'll I'll call it a bit of a three month catch up, a bit of a quarterly, and I'll get someone to touch base with you in November, book in for a bit of an updated chat. And then if we need to change both of those, I can kind of address that in a strategy update for you. Beautiful. Outside of that, I'm glad that your your soup is actually doing well because there's a lot of nightmares floating around at the moment. A lot of people in the negatives out there and crashing and all kinds of things. But, yeah, there's a few fix ups to do and people walk in the door going, oh my god. It's melting. But it's good that you're on a nice steady ship even with a few shocks in between. Yeah. Absolutely. Just out of curiosity, if you're on personal investments, did you have some shares or ETFs or something? Or yep. Yeah. No. That's fair. If at any point you would like any advice on personal investing, we do do that. Pretty similar to the good example I give is because you're with Hub twenty four, they also offer, like, personal investment accounts, which are identical to the super accounts. So you can essentially have, like, two accounts on the same login. Can have your personal money, your super money. You can have them alongside each other, all the same investment options as well. Yeah. Is it one of the like like, a Comsec, NABTrey, like, brokerage account, or are you thinking more like a raise spaceship type thing? Fair. Yeah. No worries. Two one I've not heard of that one, but I'm gonna have a little look at it sometime. Gotcha. Yeah. I think that's pretty good. Low account keeping fees, good interest rate on it. That's pretty cool. Why not? I mean, good on you for giving it a go. And it's one of those things that yeah. So you're not taking any unnecessary risks. Yeah. Look. I do get people oh, Man, do you know how many people I get calling up the office weekly saying, oh, I wanna buy a house in twelve months. Can you invest my deposit in the stock market? And I'm just like, no. It's like a ten year game, not like a twelve month game, and then you're at the mercy of a crash wiping out your home deposit. Why why bother? Oh. Yeah. Wow. So yeah. So when it comes to our style of advice for it, so you've obviously got priorities in terms of, like, the vehicle, the holidays, the mortgage. Once those are in a in a steady enough position, like, you know, how you said you had a ten year plan, we would basically then sit down once those are on track and go through, like, a a personal risk profile similar to your super risk profile and kind of split them into two different ones. And then we would build a portfolio whether that was something medium risk or or above depending on time frames and goals and things like that. And then we'd be a little bit more little bit more conservative with it. Nothing crazy. No $5,000,000 margin loans. Cool. Yeah. Yep. Fantastic. So go through the old holidays and loan repayments, and then when the kids leave, buy a unit, rent out the house, and, yeah, that's a pretty solid ten year plan. Good on you. Fair. Yeah. Give it a go and just refine it over time. It's better than having no plan and waking up at fifty eight going, whoops. I probably should have looked at that. Absolutely. Alright. I've just added into the system a bit of a catch up for you in November. I've have just added those goals in as well just so we can kind of touch base on them together. Outside of that, actually, there is one thing I've gotta show you as well. On that email, we've got an updated consent form with Hub twenty four in terms of our fees and our services through them and a tax file number opt in form, which is basically just our way of trying to, a, get your consent to be holding such a sensitive number, and, b, trying to keep it into one form rather than six digital systems. But so that's a bit of a safety thing. But after your performance report from Hub, the next document you'll see is your MetLife certificate of currency. But what I wanted to do, if you can just for a second for me before I let you go, the one after that is an updated service guide and financial services guide with us. It's got a big blue banner city picture on it. Can you see that one? Now if you scroll all the way down through our services guide, you'll see all the pictures of the team, and it'll get about to page 13, and then you'll see another document identical called financial services guide. Cool. So I just wanted to let you know we have updated our fee structure, and there's been no real changes for you at the moment, but there's some future changes upcoming. So if you go down to a few pages into that, you should see an ongoing service fee and two little tables there split between sorry. Individual and couple. And it should be on Odo. It should be page 17. But, again, it's kind of two documents merged into one. So yep. So normally no. You're right. Normally, 1.65%, but when people are above 200,000 now, we're implementing a tiered fee reduction. So from $205,100,000, the percentage will drop. 500 to a million, it'll drop again. And then one to 2,000,000, it'll have a further drop as well. So it's just essentially saying, you're at 01:30 now, so there's no change to the percentage. But when you press 200,000, we'll start to apply some discounts. Cool. And the all important question is, are you comfortable with our services? Are you happy for us to continue looking after things? Can't promise you it'll always be good news. There'll always be something popping up in the world. That's the one. And whenever something does happen, my job is essentially to walk you through what the options are, what's happened. And the main thing for us is just don't leave something in a bad state for multiple years in a row. If you can make a few changes here and there as the world changes, keep it on track. It should be sweet. Cool. No. Oh, no. Gotcha. I've added that one in, but that's okay. So we've got the vehicle loan, the tax debt, the mortgage, and then, awesome, straight into the unit after that. Yeah. Yep. Fair chunk out of it. Yep. Yep. And that actually does remind me one last question I've got for you is previous company did do some salary sacrifice, but I just made a note from earlier in the conversation that we weren't going to do any additional contributions to Suba because you've got your kind of three step cash flow plan. Did you want me to look at anything like that or just leave it alone until those goals are achieved? Yep. No. That's totally fair. Can't be locking funds away until age 60 when you've got all these things to sort out. Out. Oh, right. Damn. Yeah. That's a lovely roof. Yeah. Oh, man. So a few things. Yeah. Actually, I do have someone coming into the office this afternoon who had salary sacrifice going for, like, three years. And then one time, they coded it wrong as a personal contribution right after we had done a big lump sum, like, 360,000 into super using up all their caps, and it just triggered that overpayment, messed the whole strategy up. So now he's gotta pull $200 back out again. Right. So fringe benefits tax, is that what you got hit with? Jeez. Yeah. Philip, you're you're the criminal, mate. Just watch out. They're coming after you. Bloody hell. Oh, man. Righty. Yeah. Mate, any questions for me before I let you go? Yep. Anything else pop up in between, just give us a buzz and let us know. But I've got all that file noted in there for our next catch up. And if there's anything else you need, just, yeah, let us know. Awesome, Phil. I'll leave that pack with you there, mate. If you have any trouble with the digital authorization, I'll get Michelle to give you a buzz next week and and see how you go. Awesome. Have a great weekend, mate. Thank you so much. 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morning, Phil. It's Tommy here from Oakview, mate. How are you doing? Tommy. I've got that pack to send through to you for the review.\n\nHave we got a a bit of time now? Fantastic. Just the same as yesterday, I was just wondering if I could check security with you and grab your client password with us. Sensational, mate. And just like yesterday, the calls are recorded for training and quality purposes.\n\nSo I've got that coming through to your Gmail address. Will you better look on to that one today? No worries. With the no worries. The with the new Odoo system, it should come through to the main inbox pretty well instantly.\n\nIf it is the first time you've used it, it might be in the spam folder. Cool. Just while you're grabbing that one open, I was gonna just update a few details with you and then just dive into the attachments together and see if I need to change any of the strategies. The the sort of main thing I wanted to double check with you is there was a few different employers putting in contributions the last twelve months, and I think the most recent one would be RACQ. Awesome.\n\nSo just with the the occupation and income, are you doing a similar role in terms of the value assessing for disaster relief? Yep. Oh, fair enough. What what are you doing now with our ACQ? Okay.\n\nK. Yeah. Right. Business initiative specialist. And do you have a a bit of a new salary now for this financial year?\n\nOr Yep. Perfect. Alrighty. I'll go a bit conservative with it and pop the 115 in. That way we're not going overboard with it.\n\nAnd a couple of questions from last fact fine, but we also got a couple of new ones as well, is just in terms of estate planning, did you end up putting a will in place? That's alright. It's just the yearly reminder from us. That's okay. And for insolvency, this one's a bit strange, but have you ever gone through a bankruptcy or a part nine debt agreement before?\n\nPerfect. Perfect. Alrighty. And the last couple of things, so just in terms of family, we have Natasha and the two children, and they are split as your beneficiaries for the super. So you've got it split three ways.\n\nPerfect. Any changes you wanna make there? Happy to leave that one as is. Perfect. And then for assets and liabilities, so one of your main priorities in terms of previous goals that I can see is the car loan followed by the mortgage and a little bit of travel.\n\nWould you say that's still, I guess, the cash flow priority for the next few years? Yep. Mhmm. Fantastic. I'm just gonna grab up a bit of an updated online evaluation for the home.\n\nDo you know off the top of your head how much is left on the vehicle? Yeah. Wow. Almost done. Absolutely.\n\nAnd that's good to do. You don't wanna have consumer debt hanging around for too long. It is one of the biggest sinkholes. With the property, interesting for your area, they're saying it's jumped all the way up to possibly 1.7 at the moment. Okay.\n\nAnd mortgage, we had six 50. Oh. Oh, no. $6.95. Sensational.\n\nYep. Awesome. And outside of that, we just had the other vehicle and a boat. Perfect. And just in terms of cash flow with the new role and everything, do you guys have, like, a a set amount that you're able to put into savings at the moment, or are you just kind of pumping it all into the loans?\n\nWhat's the the cash flow like? Fantastic. And I just note down just a bit of a rough estimate in terms of cash savings at the moment? Yep. Perfect.\n\nI'll just say holiday flights are paid for, which is good. There's a spending money to build up in between. Oh, amazing. And are you going overseas for the fortieth? Or Oh, cool.\n\nBefore I swing into the the policy and the the super there, are you going up north, central, or south? Awesome. I did a bit of a yeah. I went last year. That was my first overseas trip was to Japan and Tokyo, and it was just the the most incredible experience.\n\nIf I could, I'd go back every year. It's just that that easy. Yeah. And sometimes there's wars and the economy explodes and the cost of living goes up and down and fuel crises. A few things pop up.\n\nAwesome. Just before I dive into the super there, if you've got that email open, when you hit the purple button, the first document that should show up to review, it'll let you kind of go through all six documents with me just to have a bit of a scroll. You should see a super and insurance summary. It's got, like, an Oakview financial letterhead is the first first document when you hit that sign button. Cool.\n\nJust in terms of so we got the hub and the MetLife. I wanted to double check with you for the life and disability insurance. So my analysis of that is obviously it kind of clears out the mortgage for you guys, which is a priority. And then with that million left over, you kinda get that eight years worth of of net income replacement. So all up, that would be income protection.\n\nIt's a little over $2 at the moment. The 15% rebate drops at just under $2. Not too concerned in terms of pricing on my end compared to the market, but just wanted to see, you know, does that life or TPD insurance feel too much, too little? Does that sound comfortable in those scenarios of, you know, death and disability? Yeah.\n\nNeeds haven't changed. A few other things have changed, but outside of that, still in the same priorities, I guess, as as last time. Awesome. So with the, income protection, just as a quick heads up, so can you see there how it's got the monthly benefit amount of $7.05 $8.05 and a thirty day wait five year benefit. And it's just under the approximate benefit on that first page.\n\nNo worries at all. Perfect. Perfect. So if you're out of work for more than a month, it'll kick in a monthly payment for up to five years per injury and illness. Now because it's based on a percentage of income, they have a maximum of 70%.\n\nSo because of indexation, they tend to slightly increase your benefit amount each year to try and keep up with inflation. So what's essentially happened is that they're protecting you currently for an income of a 130,000. Whereas if you're on a 115,000, what that basically means is if you went to claim on it, they may pay you a little bit less than what you're insured for. So let's say it's 7,500 a month, but you're only protected for that 115,000. They may pay you 6,700 depending on your tax return and things like that.\n\nSo the options are essentially we can either trim it back down a little bit or we can wait for your income to kind of bump up and then you're already insured for it without having to go through underwriting to increase it. Mhmm. Yep. So would it be appropriate to kind of do a bit of a trim, do you think, or would you wanna kind of hold on to it for a little while? Yep.\n\nNo. No. So looking at that, if I go 15,000 divided by the $1.30, at maximum, probably drop it by about nine or 10%. Cool. Yep.\n\nYeah. I mean, fingers crossed. Get a random promotion or something, and then it's already filled in because going through medical questions and applications again can always be a bit painful. But I just wanted to let you know that if something happens, they would base it off, you know, for example, your last tax return and then percentage of that. Beautiful.\n\nAnd in terms of the super, that second document in there is a performance table. It's not the most user friendly performance table, but it's got a hub logo at the top. It's a blue table with all your investments listed. Can you see that one? Cool.\n\nSo my analysis yesterday for the account, essentially, is you're in a high growth portfolio. So we're trying to aim for that 90% or above of your money being in growth assets, like shares, property, and gold, and small portion in the defensive side of things if that rings a bell. Now in that profile, you're essentially aiming for an average benchmark return of about nine to 10%, and that includes the really, really good years where it jumps up ten, twenty, 30, and it includes the odd year where there's a financial crisis and a crash, and it may drop ten, twenty, 30% as well. So if you can kind of average out at the double digits over a decade, you're pretty well on track, if that makes sense. Now having a look at it so far, you've gone from a 112 to just shy of a 130.\n\nAnd in terms of percentages, you've just cleared nine percent after fees, including that drop that happened in March with the Iran war. So the stock market had a bit of a dive, and it yeah. So dove, bounced back, which was lovely. I hope you're you're comfortable with the whole long term time frames when it comes to investing. Yeah.\n\nOne of the strange conversations I have with people is, like, it always does come back up if you've got the time frame there. And you don't wanna be 64 years old losing half your super year before you retire because that's a bit of a nightmare scenario. Exactly. And so my question today is basically, are you okay to continue kind of growing it as much as we can? And then in those last seven to ten years, we can reduce the risk level down.\n\nYeah. And you've just gotten to that point too where because you've hit 6 figures in the super, the returns that you're now getting are starting to eclipse the contributions that you're putting in. So, you know, when you've got your first $30 in super, it grows 10%, and you get $3 in there, but you're putting in that sort of 9 to 11. Whereas I think you've cleared just over 12,000 in earnings at the moment even with that dip in between. So it's gonna start to kind of accelerate over the next decade where it's gonna become that $10.15, $20.30, 40,000 is what will happen compared to your contribution.\n\nSo it'll kind of do the heavy lifting from here. Yeah. And you've essentially got, what, twenty years just under until preservation age, and the age pension's not until age 67. So you've still got a good three market cycles of heavy growth to get, and then we can start reducing it down once you've built up that, you know, million dollars or whatever the figure is. You're at a point where at some point, we might talk about some salary sacrifice and extra contributions down the line.\n\nA few things we can do to catch you up after age 60 as well, a few different strategies. I guess I would say you're a little bit behind on balance for your age, but not too much, but you're catching up very quickly. So I'm not worried that that you're gonna be staying behind forever. You're gonna be at a point very, very soon where you catch up to where you should be. It's a lot better than the people who sit in that default balance option for their whole life, and they rock up into the office at 58 going, oh, I've got 250 in super, and I need a million.\n\nWhat can you do for me in five years? And it's like, not much. Yeah. I guess we're all at that point where we know someone of that generation that either didn't get super for a while or didn't pay much attention to it, and we're definitely in a lot better both. Yeah.\n\nYeah. Nineties onwards. Yep. Yeah. Bit of downsizing.\n\nYeah. Unfortunate. Absolutely. We do a lot of three generation advice lately where you've got grandparents trying to downsize to fund retirement. You've got their kids who are just getting established, and then you've got the grandkids who are trying to get into the market, and a lot of estate planning comes into it as well.\n\nOne thing I did wanna point out to you as well is in terms of those investment options on that first page, do you still have that document open? Yep. So left hand side has all the option codes and names on it, and the right hand side, the very last column has, like, a percentage return after fees. Don't know if you can make out those figures there. Yeah.\n\nSo where it says return net of IMF, I'm just looking in that column there. And what you can basically see is the top and bottom are in brackets, and everything in between there, it kind of builds up to the one in the middle, which is up just shy of 43%. So that's your battery tech and lithium essentially electric vehicles. They've done very well alongside the gold and the cybersecurity. Again, everything with AI electric vehicles and so on and precious metals has been doing very well.\n\nThe only ones of concern would be the top and bottom, which is your Ben Long Australian shares option, which has been kind of dragging its feet compared to the Aussie market, and the property ETF has gone down a little bit just given the recent changes to negative gearing and capital gains tax. Yeah. So not good on property. It's one of the things where it's like it's been the most sensational investment for a century, and then a couple of government announcements make it have a bit of a shock. So that's probably one where long term, great.\n\nNext six months, probably not so much. I am putting a bit of a flag on that top one. So the the Benelong option, like I said, it's it's kind of underperformed the Aussie market. Usually, that's a bit of a temporary thing, but if that doesn't kind of catch back up, let's say, by Christmas or by the time of your next review, I'm probably gonna have to look at maybe switching that one out. So what I might do, if you're comfortable with it, is I'm gonna put a flag on the account that next time we speak, I'll see how you went income wise and whether we do need to trim down the income protection and just engine tune up the portfolio a little bit, especially if it continues to drag its feet and your next return is below benchmark.\n\nI would probably look at a few replacements in there. Is that okay? Cool. Do you want me to pencil in for a bit of a catch up before Christmas time to kind of jump onto this a bit earlier, or are you okay to just kind of see how it goes for the twelve months and then catch up for the annual review? Yeah.\n\nCorrect. So what I might do is I'll I'll call it a bit of a three month catch up, a bit of a quarterly, and I'll get someone to touch base with you in November, book in for a bit of an updated chat. And then if we need to change both of those, I can kind of address that in a strategy update for you. Beautiful. Outside of that, I'm glad that your your soup is actually doing well because there's a lot of nightmares floating around at the moment.\n\nA lot of people in the negatives out there and crashing and all kinds of things. But, yeah, there's a few fix ups to do and people walk in the door going, oh my god. It's melting. But it's good that you're on a nice steady ship even with a few shocks in between. Yeah.\n\nAbsolutely. Just out of curiosity, if you're on personal investments, did you have some shares or ETFs or something? Or yep. Yeah. No.\n\nThat's fair. If at any point you would like any advice on personal investing, we do do that. Pretty similar to the good example I give is because you're with Hub twenty four, they also offer, like, personal investment accounts, which are identical to the super accounts. So you can essentially have, like, two accounts on the same login. Can have your personal money, your super money.\n\nYou can have them alongside each other, all the same investment options as well. Yeah. Is it one of the like like, a Comsec, NABTrey, like, brokerage account, or are you thinking more like a raise spaceship type thing? Fair. Yeah.\n\nNo worries. Two one I've not heard of that one, but I'm gonna have a little look at it sometime. Gotcha. Yeah. I think that's pretty good.\n\nLow account keeping fees, good interest rate on it. That's pretty cool. Why not? I mean, good on you for giving it a go. And it's one of those things that yeah.\n\nSo you're not taking any unnecessary risks. Yeah. Look. I do get people oh, Man, do you know how many people I get calling up the office weekly saying, oh, I wanna buy a house in twelve months. Can you invest my deposit in the stock market?\n\nAnd I'm just like, no. It's like a ten year game, not like a twelve month game, and then you're at the mercy of a crash wiping out your home deposit. Why why bother? Oh. Yeah.\n\nWow. So yeah. So when it comes to our style of advice for it, so you've obviously got priorities in terms of, like, the vehicle, the holidays, the mortgage. Once those are in a in a steady enough position, like, you know, how you said you had a ten year plan, we would basically then sit down once those are on track and go through, like, a a personal risk profile similar to your super risk profile and kind of split them into two different ones. And then we would build a portfolio whether that was something medium risk or or above depending on time frames and goals and things like that.\n\nAnd then we'd be a little bit more little bit more conservative with it. Nothing crazy. No $5,000,000 margin loans. Cool. Yeah.\n\nYep. Fantastic. So go through the old holidays and loan repayments, and then when the kids leave, buy a unit, rent out the house, and, yeah, that's a pretty solid ten year plan. Good on you. Fair.\n\nYeah. Give it a go and just refine it over time. It's better than having no plan and waking up at fifty eight going, whoops. I probably should have looked at that. Absolutely.\n\nAlright. I've just added into the system a bit of a catch up for you in November. I've have just added those goals in as well just so we can kind of touch base on them together. Outside of that, actually, there is one thing I've gotta show you as well. On that email, we've got an updated consent form with Hub twenty four in terms of our fees and our services through them and a tax file number opt in form, which is basically just our way of trying to, a, get your consent to be holding such a sensitive number, and, b, trying to keep it into one form rather than six digital systems.\n\nBut so that's a bit of a safety thing. But after your performance report from Hub, the next document you'll see is your MetLife certificate of currency. But what I wanted to do, if you can just for a second for me before I let you go, the one after that is an updated service guide and financial services guide with us. It's got a big blue banner city picture on it. Can you see that one?\n\nNow if you scroll all the way down through our services guide, you'll see all the pictures of the team, and it'll get about to page 13, and then you'll see another document identical called financial services guide. Cool. So I just wanted to let you know we have updated our fee structure, and there's been no real changes for you at the moment, but there's some future changes upcoming. So if you go down to a few pages into that, you should see an ongoing service fee and two little tables there split between sorry. Individual and couple.\n\nAnd it should be on Odo. It should be page 17. But, again, it's kind of two documents merged into one. So yep. So normally no.\n\nYou're right. Normally, 1.65%, but when people are above 200,000 now, we're implementing a tiered fee reduction. So from $205,100,000, the percentage will drop. 500 to a million, it'll drop again. And then one to 2,000,000, it'll have a further drop as well.\n\nSo it's just essentially saying, you're at 01:30 now, so there's no change to the percentage. But when you press 200,000, we'll start to apply some discounts. Cool. And the all important question is, are you comfortable with our services? Are you happy for us to continue looking after things?\n\nCan't promise you it'll always be good news. There'll always be something popping up in the world. That's the one. And whenever something does happen, my job is essentially to walk you through what the options are, what's happened. And the main thing for us is just don't leave something in a bad state for multiple years in a row.\n\nIf you can make a few changes here and there as the world changes, keep it on track. It should be sweet. Cool. No. Oh, no.\n\nGotcha. I've added that one in, but that's okay. So we've got the vehicle loan, the tax debt, the mortgage, and then, awesome, straight into the unit after that. Yeah. Yep.\n\nFair chunk out of it. Yep. Yep. And that actually does remind me one last question I've got for you is previous company did do some salary sacrifice, but I just made a note from earlier in the conversation that we weren't going to do any additional contributions to Suba because you've got your kind of three step cash flow plan. Did you want me to look at anything like that or just leave it alone until those goals are achieved?\n\nYep. No. That's totally fair. Can't be locking funds away until age 60 when you've got all these things to sort out. Out.\n\nOh, right. Damn. Yeah. That's a lovely roof. Yeah.\n\nOh, man. So a few things. Yeah. Actually, I do have someone coming into the office this afternoon who had salary sacrifice going for, like, three years. And then one time, they coded it wrong as a personal contribution right after we had done a big lump sum, like, 360,000 into super using up all their caps, and it just triggered that overpayment, messed the whole strategy up.\n\nSo now he's gotta pull $200 back out again. Right. So fringe benefits tax, is that what you got hit with? Jeez. Yeah.\n\nPhilip, you're you're the criminal, mate. Just watch out. They're coming after you. Bloody hell. Oh, man.\n\nRighty. Yeah. Mate, any questions for me before I let you go? Yep. Anything else pop up in between, just give us a buzz and let us know.\n\nBut I've got all that file noted in there for our next catch up. And if there's anything else you need, just, yeah, let us know. Awesome, Phil. I'll leave that pack with you there, mate. If you have any trouble with the digital authorization, I'll get Michelle to give you a buzz next week and and see how you go.\n\nAwesome. Have a great weekend, mate. Thank you so much. Bye.","paragraphs":[{"sentences":[{"text":"Good morning, Phil.","start":7.2799997,"end":8.16,"sentiment":"positive","sentiment_score":0.4006125330924988},{"text":"It's Tommy here from Oakview, mate.","start":8.16,"end":9.679999,"sentiment":"neutral","sentiment_score":0.3048464010159175},{"text":"How are you doing?","start":9.679999,"end":10.5,"sentiment":"neutral","sentiment_score":0.22392575070261955},{"text":"Tommy.","start":12.48,"end":12.98,"sentiment":"neutral","sentiment_score":0.08025167882442474},{"text":"I've got that pack to send through to you for the review.","start":17.435001,"end":20.815,"sentiment":"neutral","sentiment_score":0.16538793593645096}],"sentiment":"neutral","sentiment_score":0.23044330454789674,"num_words":26,"start":7.2799997,"end":20.815},{"sentences":[{"text":"Have we got a a bit of time now?","start":20.955,"end":23.055,"sentiment":"neutral","sentiment_score":0.0353777791476912},{"text":"Fantastic.","start":25.195,"end":25.695,"sentiment":"positive","sentiment_score":0.625175416469574},{"text":"Just the same as yesterday, I was just wondering if I could check security with you and grab your client password with us.","start":26.075,"end":32.19,"sentiment":"neutral","sentiment_score":0.1352192416139271},{"text":"Sensational, mate.","start":35.77,"end":36.73,"sentiment":"positive","sentiment_score":0.37822237610816956},{"text":"And just like yesterday, the calls are recorded for training and quality purposes.","start":36.73,"end":41.055,"sentiment":"neutral","sentiment_score":0.07107542569820698}],"sentiment":"neutral","sentiment_score":0.11945923483775307,"num_words":48,"start":20.955,"end":41.055},{"sentences":[{"text":"So I've got that coming through to your Gmail address.","start":43.215,"end":46.095,"sentiment":"neutral","sentiment_score":0.09840007200837135},{"text":"Will you better look on to that one today?","start":46.095,"end":48.275,"sentiment":"neutral","sentiment_score":0.09228266485863262},{"text":"No worries.","start":51.535,"end":52.275,"sentiment":"neutral","sentiment_score":-0.01176479272544384},{"text":"With the no worries.","start":53.614998,"end":57.36,"sentiment":"neutral","sentiment_score":0.051305361557751894},{"text":"The with the new Odoo system, it should come through to the main inbox pretty well instantly.","start":57.42,"end":61.92,"sentiment":"positive","sentiment_score":0.37857184339972105}],"sentiment":"neutral","sentiment_score":0.20076090243778058,"num_words":42,"start":43.215,"end":61.92},{"sentences":[{"text":"If it is the first time you've used it, it might be in the spam folder.","start":62.62,"end":66.08,"sentiment":"neutral","sentiment_score":-0.03286249458324164},{"text":"Cool.","start":74.395,"end":74.895,"sentiment":"neutral","sentiment_score":0.26944494247436523},{"text":"Just while you're grabbing that one open, I was gonna just update a few details with you and then just dive into the attachments together and see if I need to change any of the strategies.","start":76.155,"end":85.0,"sentiment":"neutral","sentiment_score":0.08572061287446155},{"text":"The the sort of main thing I wanted to double check with you is there was a few different employers putting in contributions the last twelve months, and I think the most recent one would be RACQ.","start":86.82,"end":97.655,"sentiment":"neutral","sentiment_score":0.00809336725521732},{"text":"Awesome.","start":100.034996,"end":100.515,"sentiment":"neutral","sentiment_score":0.21671786904335025}],"sentiment":"neutral","sentiment_score":0.03676658846274182,"num_words":91,"start":62.62,"end":100.515},{"sentences":[{"text":"So just with the the occupation and income, are you doing a similar role in terms of the value assessing for disaster relief?","start":100.515,"end":108.99,"sentiment":"neutral","sentiment_score":0.04732811823487282},{"text":"Yep.","start":113.53,"end":114.03,"sentiment":"neutral","sentiment_score":-0.06334351748228073},{"text":"Oh, fair enough.","start":118.73,"end":119.835,"sentiment":"neutral","sentiment_score":-0.041705384850502014},{"text":"What what are you doing now with our ACQ?","start":120.155,"end":122.015,"sentiment":"neutral","sentiment_score":-0.050337439920339316},{"text":"Okay.","start":128.075,"end":128.575,"sentiment":"neutral","sentiment_score":-0.04949123039841652}],"sentiment":"neutral","sentiment_score":0.010744833991535613,"num_words":37,"start":100.515,"end":128.575},{"sentences":[{"text":"K.","start":139.69,"end":140.19,"sentiment":"neutral","sentiment_score":0.0141429603099823},{"text":"Yeah.","start":146.41,"end":146.89,"sentiment":"neutral","sentiment_score":0.042023420333862305},{"text":"Right.","start":146.89,"end":147.39,"sentiment":"neutral","sentiment_score":0.04595376551151275},{"text":"Business initiative specialist.","start":147.885,"end":149.825,"sentiment":"neutral","sentiment_score":0.04258736843864123},{"text":"And do you have a a bit of a new salary now for this financial year?","start":150.045,"end":154.205,"sentiment":"neutral","sentiment_score":0.034436161047779024}],"sentiment":"neutral","sentiment_score":0.0354936740107157,"num_words":22,"start":139.69,"end":154.205},{"sentences":[{"text":"Or Yep.","start":154.205,"end":167.12,"sentiment":"neutral","sentiment_score":0.03777943458408117},{"text":"Perfect.","start":169.02,"end":169.52,"sentiment":"neutral","sentiment_score":-0.03884778916835785},{"text":"Alrighty.","start":171.26,"end":171.73999,"sentiment":"neutral","sentiment_score":0.20704907178878784},{"text":"I'll go a bit conservative with it and pop the 115 in.","start":171.73999,"end":174.94499,"sentiment":"neutral","sentiment_score":0.23231656601031622},{"text":"That way we're not going overboard with it.","start":176.125,"end":178.305,"sentiment":"neutral","sentiment_score":0.21900670789182186}],"sentiment":"neutral","sentiment_score":0.19931719196029007,"num_words":24,"start":154.205,"end":178.305},{"sentences":[{"text":"And a couple of questions from last fact fine, but we also got a couple of new ones as well, is just in terms of estate planning, did you end up putting a will in place?","start":179.08499,"end":188.67,"sentiment":"neutral","sentiment_score":0.07014546212222841},{"text":"That's alright.","start":192.83,"end":193.55,"sentiment":"neutral","sentiment_score":-0.06716787815093994},{"text":"It's just the yearly reminder from us.","start":193.55,"end":196.43,"sentiment":"neutral","sentiment_score":-0.11741720086761884},{"text":"That's okay.","start":196.43,"end":197.25,"sentiment":"neutral","sentiment_score":-0.015572803560644388},{"text":"And for insolvency, this one's a bit strange, but have you ever gone through a bankruptcy or a part nine debt agreement before?","start":198.91,"end":208.035,"sentiment":"neutral","sentiment_score":-0.06954899964773137}],"sentiment":"neutral","sentiment_score":-0.000882744642772845,"num_words":70,"start":179.08499,"end":208.035},{"sentences":[{"text":"Perfect.","start":210.815,"end":211.315,"sentiment":"neutral","sentiment_score":0.24549706280231476},{"text":"Perfect.","start":211.375,"end":211.875,"sentiment":"neutral","sentiment_score":0.301632285118103},{"text":"Alrighty.","start":211.93501,"end":212.43501,"sentiment":"neutral","sentiment_score":0.17386481165885925},{"text":"And the last couple of things, so just in terms of family, we have Natasha and the two children, and they are split as your beneficiaries for the super.","start":213.13501,"end":223.29999,"sentiment":"neutral","sentiment_score":0.08278637790474398},{"text":"So you've got it split three ways.","start":223.43999,"end":225.14,"sentiment":"neutral","sentiment_score":0.04745615486587797}],"sentiment":"neutral","sentiment_score":0.08856390263789739,"num_words":39,"start":210.815,"end":225.14},{"sentences":[{"text":"Perfect.","start":226.79999,"end":227.29999,"sentiment":"neutral","sentiment_score":0.2982850670814514},{"text":"Any changes you wanna make there?","start":227.36,"end":228.79999,"sentiment":"neutral","sentiment_score":0.10355249668161075},{"text":"Happy to leave that one as is.","start":228.79999,"end":232.80501,"sentiment":"neutral","sentiment_score":0.15385191781180246},{"text":"Perfect.","start":232.80501,"end":233.30501,"sentiment":"positive","sentiment_score":0.36245232820510864},{"text":"And then for assets and liabilities, so one of your main priorities in terms of previous goals that I can see is the car loan followed by the mortgage and a little bit of travel.","start":234.16501,"end":244.82501,"sentiment":"neutral","sentiment_score":0.20196605239595686}],"sentiment":"neutral","sentiment_score":0.18855655267834665,"num_words":50,"start":226.79999,"end":244.82501},{"sentences":[{"text":"Would you say that's still, I guess, the cash flow priority for the next few years?","start":245.04501,"end":249.04,"sentiment":"neutral","sentiment_score":0.14567942218855023},{"text":"Yep.","start":262.95502,"end":263.45502,"sentiment":"neutral","sentiment_score":0.10878872871398926},{"text":"Mhmm.","start":271.83502,"end":272.19,"sentiment":"neutral","sentiment_score":0.10476161539554596},{"text":"Fantastic.","start":278.43,"end":278.93,"sentiment":"positive","sentiment_score":0.7092986702919006},{"text":"I'm just gonna grab up a bit of an updated online evaluation for the home.","start":279.15,"end":284.29,"sentiment":"positive","sentiment_score":0.3638886272907257}],"sentiment":"neutral","sentiment_score":0.2562367405523272,"num_words":34,"start":245.04501,"end":284.29},{"sentences":[{"text":"Do you know off the top of your head how much is left on the vehicle?","start":284.73502,"end":287.475,"sentiment":"neutral","sentiment_score":0.0504349087132141},{"text":"Yeah.","start":295.775,"end":296.095,"sentiment":"neutral","sentiment_score":0.07520624250173569},{"text":"Wow.","start":296.095,"end":296.575,"sentiment":"neutral","sentiment_score":0.19289398193359375},{"text":"Almost done.","start":296.575,"end":297.555,"sentiment":"neutral","sentiment_score":0.23677747696638107},{"text":"Absolutely.","start":297.86,"end":298.36,"sentiment":"neutral","sentiment_score":0.3297022879123688}],"sentiment":"neutral","sentiment_score":0.08944361931866124,"num_words":21,"start":284.73502,"end":298.36},{"sentences":[{"text":"And that's good to do.","start":302.66,"end":303.7,"sentiment":"positive","sentiment_score":0.3672238141298294},{"text":"You don't wanna have consumer debt hanging around for too long.","start":303.7,"end":306.18,"sentiment":"neutral","sentiment_score":-0.27845453877340665},{"text":"It is one of the biggest sinkholes.","start":306.18,"end":307.72,"sentiment":"neutral","sentiment_score":-0.3141811064311436},{"text":"With the property, interesting for your area, they're saying it's jumped all the way up to possibly 1.7 at the moment.","start":311.42502,"end":318.645,"sentiment":"neutral","sentiment_score":-0.01493166848307564},{"text":"Okay.","start":321.825,"end":322.305,"sentiment":"neutral","sentiment_score":0.0017344695515930653}],"sentiment":"neutral","sentiment_score":-0.08306620376598504,"num_words":45,"start":302.66,"end":322.305},{"sentences":[{"text":"And mortgage, we had six 50.","start":322.305,"end":330.75,"sentiment":"neutral","sentiment_score":-0.017413203449298937},{"text":"Oh.","start":330.89,"end":331.39,"sentiment":"neutral","sentiment_score":-0.11203320324420928},{"text":"Oh, no.","start":331.93,"end":332.83002,"sentiment":"neutral","sentiment_score":-0.14696600660681725},{"text":"$6.95.","start":342.10498,"end":343.72498,"sentiment":"neutral","sentiment_score":-0.024186011403799057},{"text":"Sensational.","start":343.865,"end":344.365,"sentiment":"neutral","sentiment_score":-0.014133408665657043}],"sentiment":"neutral","sentiment_score":-0.04988762338391759,"num_words":11,"start":322.305,"end":344.365},{"sentences":[{"text":"Yep.","start":348.905,"end":349.405,"sentiment":"neutral","sentiment_score":0.07094193994998932},{"text":"Awesome.","start":350.025,"end":350.525,"sentiment":"neutral","sentiment_score":0.1962757557630539},{"text":"And outside of that, we just had the other vehicle and a boat.","start":350.91,"end":354.13,"sentiment":"neutral","sentiment_score":0.08780685210457215},{"text":"Perfect.","start":357.23,"end":357.73,"sentiment":"positive","sentiment_score":0.3434981107711792},{"text":"And just in terms of cash flow with the new role and everything, do you guys have, like, a a set amount that you're able to put into savings at the moment, or are you just kind of pumping it all into the loans?","start":358.67,"end":369.58502,"sentiment":"neutral","sentiment_score":0.0525699368762699}],"sentiment":"neutral","sentiment_score":0.0677547017733256,"num_words":60,"start":348.905,"end":369.58502},{"sentences":[{"text":"What's the the cash flow like?","start":369.58502,"end":371.36502,"sentiment":"neutral","sentiment_score":0.01095867312202851},{"text":"Fantastic.","start":391.31,"end":391.71002,"sentiment":"positive","sentiment_score":0.7506056427955627},{"text":"And I just note down just a bit of a rough estimate in terms of cash savings at the moment?","start":391.71002,"end":396.435,"sentiment":"neutral","sentiment_score":0.21515305414795877},{"text":"Yep.","start":411.55,"end":412.05,"sentiment":"neutral","sentiment_score":0.15000632405281067},{"text":"Perfect.","start":414.75,"end":415.25,"sentiment":"positive","sentiment_score":0.7193570733070374}],"sentiment":"neutral","sentiment_score":0.20650972971885367,"num_words":29,"start":369.58502,"end":415.25},{"sentences":[{"text":"I'll just say holiday flights are paid for, which is good.","start":415.31,"end":418.895,"sentiment":"positive","sentiment_score":0.543987206437371},{"text":"There's a spending money to build up in between.","start":418.895,"end":420.995,"sentiment":"neutral","sentiment_score":0.20655598905351427},{"text":"Oh, amazing.","start":426.335,"end":426.995,"sentiment":"neutral","sentiment_score":0.18083660304546356},{"text":"And are you going overseas for the fortieth?","start":427.055,"end":430.115,"sentiment":"neutral","sentiment_score":0.002854771912097931},{"text":"Or Oh, cool.","start":430.175,"end":449.705,"sentiment":"neutral","sentiment_score":0.03670130452762047}],"sentiment":"neutral","sentiment_score":0.25265086264434183,"num_words":33,"start":415.31,"end":449.705},{"sentences":[{"text":"Before I swing into the the policy and the the super there, are you going up north, central, or south?","start":450.165,"end":456.745,"sentiment":"neutral","sentiment_score":0.029412543238140642},{"text":"Awesome.","start":468.63,"end":469.13,"sentiment":"positive","sentiment_score":0.460501492023468},{"text":"I did a bit of a yeah.","start":470.38998,"end":474.715,"sentiment":"neutral","sentiment_score":0.11736628413200378},{"text":"I went last year.","start":474.935,"end":476.29498,"sentiment":"neutral","sentiment_score":0.2070988342165947},{"text":"That was my first overseas trip was to Japan and Tokyo, and it was just the the most incredible experience.","start":476.29498,"end":481.995,"sentiment":"positive","sentiment_score":0.4180377542972565}],"sentiment":"neutral","sentiment_score":0.21268205324080414,"num_words":52,"start":450.165,"end":481.995},{"sentences":[{"text":"If I could, I'd go back every year.","start":482.615,"end":484.055,"sentiment":"neutral","sentiment_score":0.30789071694016457},{"text":"It's just that that easy.","start":484.055,"end":495.2,"sentiment":"neutral","sentiment_score":0.030005631595849992},{"text":"Yeah.","start":496.22,"end":496.425,"sentiment":"neutral","sentiment_score":-0.04863040894269943},{"text":"And sometimes there's wars and the economy explodes and the cost of living goes up and down and fuel crises.","start":496.745,"end":501.865,"sentiment":"neutral","sentiment_score":-0.1470901168882847},{"text":"A few things pop up.","start":501.865,"end":503.16498,"sentiment":"neutral","sentiment_score":-0.0791307732462883}],"sentiment":"neutral","sentiment_score":-0.019818787677929953,"num_words":39,"start":482.615,"end":503.16498},{"sentences":[{"text":"Awesome.","start":505.865,"end":506.365,"sentiment":"neutral","sentiment_score":0.06501657515764236},{"text":"Just before I dive into the super there, if you've got that email open, when you hit the purple button, the first document that should show up to review, it'll let you kind of go through all six documents with me just to have a bit of a scroll.","start":506.82498,"end":520.02997,"sentiment":"neutral","sentiment_score":0.08010610755609006},{"text":"You should see a super and insurance summary.","start":520.33,"end":522.67,"sentiment":"neutral","sentiment_score":0.10017184261232615},{"text":"It's got, like, an Oakview financial letterhead is the first first document when you hit that sign button.","start":526.01,"end":533.255,"sentiment":"neutral","sentiment_score":0.05991371162235737},{"text":"Cool.","start":539.715,"end":540.12,"sentiment":"positive","sentiment_score":0.4301379919052124}],"sentiment":"neutral","sentiment_score":0.08182045957678324,"num_words":77,"start":505.865,"end":540.12},{"sentences":[{"text":"Just in terms of so we got the hub and the MetLife.","start":540.68,"end":542.7,"sentiment":"neutral","sentiment_score":0.1783918465177218},{"text":"I wanted to double check with you for the life and disability insurance.","start":542.76,"end":546.77997,"sentiment":"neutral","sentiment_score":0.18503604370814103},{"text":"So my analysis of that is obviously it kind of clears out the mortgage for you guys, which is a priority.","start":547.24,"end":553.71497,"sentiment":"neutral","sentiment_score":0.1661072444348108},{"text":"And then with that million left over, you kinda get that eight years worth of of net income replacement.","start":554.175,"end":560.435,"sentiment":"neutral","sentiment_score":0.1488188775746446},{"text":"So all up, that would be income protection.","start":560.975,"end":564.51495,"sentiment":"neutral","sentiment_score":0.0771644045598805}],"sentiment":"neutral","sentiment_score":0.1572506406842029,"num_words":73,"start":540.68,"end":564.51495},{"sentences":[{"text":"It's a little over $2 at the moment.","start":564.735,"end":566.65497,"sentiment":"neutral","sentiment_score":0.047650698106735945},{"text":"The 15% rebate drops at just under $2.","start":566.65497,"end":570.16003,"sentiment":"neutral","sentiment_score":0.06693470198661089},{"text":"Not too concerned in terms of pricing on my end compared to the market, but just wanted to see, you know, does that life or TPD insurance feel too much, too little?","start":570.86,"end":582.095,"sentiment":"neutral","sentiment_score":-0.16123160196002573},{"text":"Does that sound comfortable in those scenarios of, you know, death and disability?","start":582.315,"end":586.33496,"sentiment":"neutral","sentiment_score":-0.27005449395913345},{"text":"Yeah.","start":604.58,"end":605.08,"sentiment":"neutral","sentiment_score":-0.08812776207923889}],"sentiment":"neutral","sentiment_score":-0.12647684266971004,"num_words":62,"start":564.735,"end":605.08},{"sentences":[{"text":"Needs haven't changed.","start":605.3,"end":606.26,"sentiment":"neutral","sentiment_score":-0.2661494662364324},{"text":"A few other things have changed, but outside of that, still in the same priorities, I guess, as as last time.","start":606.26,"end":612.27496,"sentiment":"neutral","sentiment_score":-0.13869026799996695},{"text":"Awesome.","start":614.33496,"end":614.815,"sentiment":"positive","sentiment_score":0.34544676542282104},{"text":"So with the, income protection, just as a quick heads up, so can you see there how it's got the monthly benefit amount of $7.05 $8.05 and a thirty day wait five year benefit.","start":614.815,"end":630.09,"sentiment":"neutral","sentiment_score":0.10237749950850711},{"text":"And it's just under the approximate benefit on that first page.","start":630.09,"end":634.03,"sentiment":"neutral","sentiment_score":-0.008013047955252907}],"sentiment":"neutral","sentiment_score":0.00038848849279539925,"num_words":70,"start":605.3,"end":634.03},{"sentences":[{"text":"No worries at all.","start":654.51996,"end":655.58,"sentiment":"neutral","sentiment_score":0.026367980055510998},{"text":"Perfect.","start":660.92,"end":661.24,"sentiment":"positive","sentiment_score":0.7558836936950684},{"text":"Perfect.","start":661.24,"end":661.72,"sentiment":"positive","sentiment_score":0.6523997783660889},{"text":"So if you're out of work for more than a month, it'll kick in a monthly payment for up to five years per injury and illness.","start":661.72,"end":670.415,"sentiment":"neutral","sentiment_score":-0.006289493077649521},{"text":"Now because it's based on a percentage of income, they have a maximum of 70%.","start":670.875,"end":677.375,"sentiment":"neutral","sentiment_score":0.0681789681315422}],"sentiment":"neutral","sentiment_score":0.050487512643349934,"num_words":47,"start":654.51996,"end":677.375},{"sentences":[{"text":"So because of indexation, they tend to slightly increase your benefit amount each year to try and keep up with inflation.","start":677.72003,"end":685.34,"sentiment":"neutral","sentiment_score":0.11105655045026824},{"text":"So what's essentially happened is that they're protecting you currently for an income of a 130,000.","start":685.8,"end":691.42004,"sentiment":"neutral","sentiment_score":0.014771807240322232},{"text":"Whereas if you're on a 115,000, what that basically means is if you went to claim on it, they may pay you a little bit less than what you're insured for.","start":691.985,"end":700.565,"sentiment":"neutral","sentiment_score":-0.05728703749275977},{"text":"So let's say it's 7,500 a month, but you're only protected for that 115,000.","start":705.105,"end":712.36,"sentiment":"neutral","sentiment_score":0.0762775753225599},{"text":"They may pay you 6,700 depending on your tax return and things like that.","start":712.5,"end":716.92,"sentiment":"neutral","sentiment_score":0.0714044871606997}],"sentiment":"neutral","sentiment_score":0.029793616539488237,"num_words":96,"start":677.72003,"end":716.92},{"sentences":[{"text":"So the options are essentially we can either trim it back down a little bit or we can wait for your income to kind of bump up and then you're already insured for it without having to go through underwriting to increase it.","start":717.3,"end":730.015,"sentiment":"neutral","sentiment_score":0.05289004760426144},{"text":"Mhmm.","start":734.73,"end":735.23,"sentiment":"neutral","sentiment_score":-0.11912442743778227},{"text":"Yep.","start":741.5025,"end":742.0025,"sentiment":"neutral","sentiment_score":-0.07938194274902344},{"text":"So would it be appropriate to kind of do a bit of a trim, do you think, or would you wanna kind of hold on to it for a little while?","start":754.275,"end":760.68,"sentiment":"neutral","sentiment_score":-0.06612640583226757},{"text":"Yep.","start":768.2,"end":768.7,"sentiment":"neutral","sentiment_score":-0.10179799795150755}],"sentiment":"neutral","sentiment_score":-0.0009863753500696899,"num_words":77,"start":717.3,"end":768.7},{"sentences":[{"text":"No.","start":773.96,"end":774.435,"sentiment":"neutral","sentiment_score":-0.20071789622306824},{"text":"No.","start":774.595,"end":775.095,"sentiment":"neutral","sentiment_score":-0.09167508035898209},{"text":"So looking at that, if I go 15,000 divided by the $1.30, at maximum, probably drop it by about nine or 10%.","start":775.395,"end":785.735,"sentiment":"neutral","sentiment_score":-0.01972290746528994},{"text":"Cool.","start":792.53,"end":793.03,"sentiment":"neutral","sentiment_score":0.1060660481452942},{"text":"Yep.","start":794.29004,"end":794.79004,"sentiment":"neutral","sentiment_score":0.04314442723989487}],"sentiment":"neutral","sentiment_score":-0.022195633285893843,"num_words":26,"start":773.96,"end":794.79004},{"sentences":[{"text":"Yeah.","start":796.53,"end":796.93,"sentiment":"neutral","sentiment_score":0.08264120668172836},{"text":"I mean, fingers crossed.","start":796.93,"end":797.97003,"sentiment":"neutral","sentiment_score":0.11064015701413155},{"text":"Get a random promotion or something, and then it's already filled in because going through medical questions and applications again can always be a bit painful.","start":797.97003,"end":805.89496,"sentiment":"neutral","sentiment_score":0.014730460082109157},{"text":"But I just wanted to let you know that if something happens, they would base it off, you know, for example, your last tax return and then percentage of that.","start":806.115,"end":817.49,"sentiment":"neutral","sentiment_score":0.12742624456683796},{"text":"Beautiful.","start":817.49,"end":817.99,"sentiment":"positive","sentiment_score":0.6566946506500244}],"sentiment":"neutral","sentiment_score":0.08689799652464929,"num_words":62,"start":796.53,"end":817.99},{"sentences":[{"text":"And in terms of the super, that second document in there is a performance table.","start":818.93,"end":825.27,"sentiment":"neutral","sentiment_score":0.1848545660575231},{"text":"It's not the most user friendly performance table, but it's got a hub logo at the top.","start":825.73,"end":830.585,"sentiment":"neutral","sentiment_score":0.10509116991477854},{"text":"It's a blue table with all your investments listed.","start":830.585,"end":833.065,"sentiment":"neutral","sentiment_score":0.10147089097234938},{"text":"Can you see that one?","start":833.065,"end":834.205,"sentiment":"neutral","sentiment_score":0.059529203176498416},{"text":"Cool.","start":835.86505,"end":836.265,"sentiment":"positive","sentiment_score":0.4179847240447998}],"sentiment":"neutral","sentiment_score":0.13166461995941528,"num_words":47,"start":818.93,"end":836.265},{"sentences":[{"text":"So my analysis yesterday for the account, essentially, is you're in a high growth portfolio.","start":836.265,"end":843.0,"sentiment":"neutral","sentiment_score":0.22936544716358184},{"text":"So we're trying to aim for that 90% or above of your money being in growth assets, like shares, property, and gold, and small portion in the defensive side of things if that rings a bell.","start":843.45996,"end":855.67505,"sentiment":"neutral","sentiment_score":0.21210680363906753},{"text":"Now in that profile, you're essentially aiming for an average benchmark return of about nine to 10%, and that includes the really, really good years where it jumps up ten, twenty, 30, and it includes the odd year where there's a financial crisis and a crash, and it may drop ten, twenty, 30% as well.","start":856.655,"end":876.37,"sentiment":"neutral","sentiment_score":0.14062140722843733},{"text":"So if you can kind of average out at the double digits over a decade, you're pretty well on track, if that makes sense.","start":876.51,"end":882.675,"sentiment":"positive","sentiment_score":0.3821630061914523},{"text":"Now having a look at it so far, you've gone from a 112 to just shy of a 130.","start":885.45496,"end":891.795,"sentiment":"neutral","sentiment_score":-0.004519983243785407}],"sentiment":"neutral","sentiment_score":0.18722507720125603,"num_words":149,"start":836.265,"end":891.795},{"sentences":[{"text":"And in terms of percentages, you've just cleared nine percent after fees, including that drop that happened in March with the Iran war.","start":892.01495,"end":900.51,"sentiment":"neutral","sentiment_score":0.013917584174677082},{"text":"So the stock market had a bit of a dive, and it yeah.","start":900.51,"end":903.97,"sentiment":"neutral","sentiment_score":0.06949169690219256},{"text":"So dove, bounced back, which was lovely.","start":904.11,"end":906.525,"sentiment":"positive","sentiment_score":0.4108388679368155},{"text":"I hope you're you're comfortable with the whole long term time frames when it comes to investing.","start":914.36505,"end":919.35,"sentiment":"neutral","sentiment_score":0.18003735516001196},{"text":"Yeah.","start":926.47,"end":926.97,"sentiment":"neutral","sentiment_score":0.01446991041302681}],"sentiment":"neutral","sentiment_score":0.11761431999077074,"num_words":61,"start":892.01495,"end":926.97},{"sentences":[{"text":"One of the strange conversations I have with people is, like, it always does come back up if you've got the time frame there.","start":927.35,"end":934.60504,"sentiment":"neutral","sentiment_score":-0.06913641203815739},{"text":"And you don't wanna be 64 years old losing half your super year before you retire because that's a bit of a nightmare scenario.","start":934.98505,"end":941.80505,"sentiment":"neutral","sentiment_score":-0.15612086777885756},{"text":"Exactly.","start":946.185,"end":946.66504,"sentiment":"neutral","sentiment_score":0.029639754444360733},{"text":"And so my question today is basically, are you okay to continue kind of growing it as much as we can?","start":946.66504,"end":951.92004,"sentiment":"neutral","sentiment_score":0.06405790895223618},{"text":"And then in those last seven to ten years, we can reduce the risk level down.","start":951.92004,"end":955.62,"sentiment":"neutral","sentiment_score":0.044991036178544164}],"sentiment":"neutral","sentiment_score":-0.03850537551523641,"num_words":86,"start":927.35,"end":955.62},{"sentences":[{"text":"Yeah.","start":964.4,"end":964.755,"sentiment":"neutral","sentiment_score":0.10663950443267822},{"text":"And you've just gotten to that point too where because you've hit 6 figures in the super, the returns that you're now getting are starting to eclipse the contributions that you're putting in.","start":964.835,"end":975.255,"sentiment":"neutral","sentiment_score":0.19933359957102573},{"text":"So, you know, when you've got your first $30 in super, it grows 10%, and you get $3 in there, but you're putting in that sort of 9 to 11.","start":975.395,"end":984.19995,"sentiment":"neutral","sentiment_score":0.10158852549890678},{"text":"Whereas I think you've cleared just over 12,000 in earnings at the moment even with that dip in between.","start":987.22,"end":992.27997,"sentiment":"neutral","sentiment_score":0.10638057087597094},{"text":"So it's gonna start to kind of accelerate over the next decade where it's gonna become that $10.15, $20.30, 40,000 is what will happen compared to your contribution.","start":992.545,"end":1003.185,"sentiment":"neutral","sentiment_score":0.11934465542435646}],"sentiment":"neutral","sentiment_score":0.1361440054394982,"num_words":111,"start":964.4,"end":1003.185},{"sentences":[{"text":"So it'll kind of do the heavy lifting from here.","start":1003.185,"end":1005.605,"sentiment":"neutral","sentiment_score":0.09034077748656273},{"text":"Yeah.","start":1022.01,"end":1022.33,"sentiment":"neutral","sentiment_score":0.07695232331752777},{"text":"And you've essentially got, what, twenty years just under until preservation age, and the age pension's not until age 67.","start":1022.33,"end":1033.015,"sentiment":"neutral","sentiment_score":0.01300436252495274},{"text":"So you've still got a good three market cycles of heavy growth to get, and then we can start reducing it down once you've built up that, you know, million dollars or whatever the figure is.","start":1033.235,"end":1042.55,"sentiment":"neutral","sentiment_score":0.026022065909475915},{"text":"You're at a point where at some point, we might talk about some salary sacrifice and extra contributions down the line.","start":1047.41,"end":1054.325,"sentiment":"neutral","sentiment_score":-0.010602774187212899}],"sentiment":"neutral","sentiment_score":0.022211175721498545,"num_words":88,"start":1003.185,"end":1054.325},{"sentences":[{"text":"A few things we can do to catch you up after age 60 as well, a few different strategies.","start":1054.865,"end":1059.125,"sentiment":"neutral","sentiment_score":0.02739195172723971},{"text":"I guess I would say you're a little bit behind on balance for your age, but not too much, but you're catching up very quickly.","start":1060.145,"end":1066.485,"sentiment":"neutral","sentiment_score":-0.03040002167224884},{"text":"So I'm not worried that that you're gonna be staying behind forever.","start":1066.6699,"end":1071.1699,"sentiment":"neutral","sentiment_score":0.00008368616302808125},{"text":"You're gonna be at a point very, very soon where you catch up to where you should be.","start":1072.0299,"end":1075.65,"sentiment":"neutral","sentiment_score":0.19946171674463484},{"text":"It's a lot better than the people who sit in that default balance option for their whole life, and they rock up into the office at 58 going, oh, I've got 250 in super, and I need a million.","start":1075.95,"end":1085.125,"sentiment":"neutral","sentiment_score":0.15165010457619643}],"sentiment":"neutral","sentiment_score":0.08200102437913945,"num_words":113,"start":1054.865,"end":1085.125},{"sentences":[{"text":"What can you do for me in five years?","start":1085.125,"end":1086.565,"sentiment":"neutral","sentiment_score":-0.1054371628496382},{"text":"And it's like, not much.","start":1086.565,"end":1088.105,"sentiment":"neutral","sentiment_score":-0.1751115471124649},{"text":"Yeah.","start":1093.125,"end":1093.445,"sentiment":"neutral","sentiment_score":0.024365264922380447},{"text":"I guess we're all at that point where we know someone of that generation that either didn't get super for a while or didn't pay much attention to it, and we're definitely in a lot better both.","start":1093.445,"end":1103.55,"sentiment":"neutral","sentiment_score":-0.015719499753637088},{"text":"Yeah.","start":1105.6901,"end":1106.17,"sentiment":"neutral","sentiment_score":0.014054786413908005}],"sentiment":"neutral","sentiment_score":-0.04467346491995004,"num_words":53,"start":1085.125,"end":1106.17},{"sentences":[{"text":"Yeah.","start":1106.17,"end":1106.67,"sentiment":"neutral","sentiment_score":0.009955009445548058},{"text":"Nineties onwards.","start":1107.29,"end":1108.185,"sentiment":"neutral","sentiment_score":0.15306982025504112},{"text":"Yep.","start":1120.7451,"end":1121.2451,"sentiment":"neutral","sentiment_score":0.011617417447268965},{"text":"Yeah.","start":1121.4651,"end":1121.8651,"sentiment":"neutral","sentiment_score":0.0008785407990217209},{"text":"Bit of downsizing.","start":1121.8651,"end":1122.765,"sentiment":"neutral","sentiment_score":-0.08530054117242496}],"sentiment":"neutral","sentiment_score":0.009086123085580766,"num_words":8,"start":1106.17,"end":1122.765},{"sentences":[{"text":"Yeah.","start":1125.51,"end":1126.01,"sentiment":"neutral","sentiment_score":-0.1016792356967926},{"text":"Unfortunate.","start":1126.3099,"end":1126.8099,"sentiment":"neutral","sentiment_score":-0.17617645859718323},{"text":"Absolutely.","start":1127.27,"end":1127.77,"sentiment":"neutral","sentiment_score":0.05144328251481056},{"text":"We do a lot of three generation advice lately where you've got grandparents trying to downsize to fund retirement.","start":1128.23,"end":1134.97,"sentiment":"neutral","sentiment_score":0.04045021484949087},{"text":"You've got their kids who are just getting established, and then you've got the grandkids who are trying to get into the market, and a lot of estate planning comes into it as well.","start":1135.2949,"end":1143.955,"sentiment":"neutral","sentiment_score":0.0504447955857305}],"sentiment":"neutral","sentiment_score":0.04030829857635711,"num_words":56,"start":1125.51,"end":1143.955},{"sentences":[{"text":"One thing I did wanna point out to you as well is in terms of those investment options on that first page, do you still have that document open?","start":1150.38,"end":1159.6001,"sentiment":"neutral","sentiment_score":0.048195788219314195},{"text":"Yep.","start":1161.5,"end":1161.945,"sentiment":"neutral","sentiment_score":0.03457459434866905},{"text":"So left hand side has all the option codes and names on it, and the right hand side, the very last column has, like, a percentage return after fees.","start":1162.2649,"end":1171.085,"sentiment":"neutral","sentiment_score":0.026383724994957447},{"text":"Don't know if you can make out those figures there.","start":1171.465,"end":1173.565,"sentiment":"neutral","sentiment_score":-0.004512322042137385},{"text":"Yeah.","start":1178.09,"end":1178.4099,"sentiment":"neutral","sentiment_score":0.014635180123150349}],"sentiment":"neutral","sentiment_score":0.03095560624663319,"num_words":70,"start":1150.38,"end":1178.4099},{"sentences":[{"text":"So where it says return net of IMF, I'm just looking in that column there.","start":1178.4099,"end":1183.9299,"sentiment":"neutral","sentiment_score":0.007924476824700832},{"text":"And what you can basically see is the top and bottom are in brackets, and everything in between there, it kind of builds up to the one in the middle, which is up just shy of 43%.","start":1183.9299,"end":1194.135,"sentiment":"neutral","sentiment_score":0.010029173733012096},{"text":"So that's your battery tech and lithium essentially electric vehicles.","start":1198.8351,"end":1203.655,"sentiment":"neutral","sentiment_score":0.10511227697134018},{"text":"They've done very well alongside the gold and the cybersecurity.","start":1204.5951,"end":1208.86,"sentiment":"neutral","sentiment_score":0.2537124142050743},{"text":"Again, everything with AI electric vehicles and so on and precious metals has been doing very well.","start":1209.72,"end":1215.02,"sentiment":"neutral","sentiment_score":0.21594283861272476}],"sentiment":"neutral","sentiment_score":0.08706990728845422,"num_words":89,"start":1178.4099,"end":1215.02},{"sentences":[{"text":"The only ones of concern would be the top and bottom, which is your Ben Long Australian shares option, which has been kind of dragging its feet compared to the Aussie market, and the property ETF has gone down a little bit just given the recent changes to negative gearing and capital gains tax.","start":1215.5599,"end":1234.62,"sentiment":"negative","sentiment_score":-0.393312101010923},{"text":"Yeah.","start":1239.42,"end":1239.92,"sentiment":"neutral","sentiment_score":0.06811295449733734},{"text":"So not good on property.","start":1240.62,"end":1245.52,"sentiment":"neutral","sentiment_score":-0.2708305656909943},{"text":"It's one of the things where it's like it's been the most sensational investment for a century, and then a couple of government announcements make it have a bit of a shock.","start":1246.0599,"end":1253.515,"sentiment":"negative","sentiment_score":-0.3816621534060687},{"text":"So that's probably one where long term, great.","start":1253.515,"end":1256.875,"sentiment":"neutral","sentiment_score":-0.025357934646308422}],"sentiment":"negative","sentiment_score":-0.3494094571471214,"num_words":100,"start":1215.5599,"end":1256.875},{"sentences":[{"text":"Next six months, probably not so much.","start":1256.875,"end":1258.975,"sentiment":"neutral","sentiment_score":-0.18296546808310918},{"text":"I am putting a bit of a flag on that top one.","start":1262.155,"end":1265.15,"sentiment":"neutral","sentiment_score":-0.04534262449791034},{"text":"So the the Benelong option, like I said, it's it's kind of underperformed the Aussie market.","start":1265.37,"end":1270.75,"sentiment":"neutral","sentiment_score":-0.167344581335783},{"text":"Usually, that's a bit of a temporary thing, but if that doesn't kind of catch back up, let's say, by Christmas or by the time of your next review, I'm probably gonna have to look at maybe switching that one out.","start":1271.29,"end":1282.455,"sentiment":"neutral","sentiment_score":-0.19244679408829388},{"text":"So what I might do, if you're comfortable with it, is I'm gonna put a flag on the account that next time we speak, I'll see how you went income wise and whether we do need to trim down the income protection and just engine tune up the portfolio a little bit, especially if it continues to drag its feet and your next return is below benchmark.","start":1285.1549,"end":1305.89,"sentiment":"neutral","sentiment_score":-0.010318836836672542}],"sentiment":"neutral","sentiment_score":-0.09149694893430997,"num_words":143,"start":1256.875,"end":1305.89},{"sentences":[{"text":"I would probably look at a few replacements in there.","start":1306.185,"end":1309.2251,"sentiment":"neutral","sentiment_score":0.00034632384777068953},{"text":"Is that okay?","start":1309.2251,"end":1310.045,"sentiment":"neutral","sentiment_score":0.07213878631591797},{"text":"Cool.","start":1312.025,"end":1312.525,"sentiment":"neutral","sentiment_score":0.31393951177597046},{"text":"Do you want me to pencil in for a bit of a catch up before Christmas time to kind of jump onto this a bit earlier, or are you okay to just kind of see how it goes for the twelve months and then catch up for the annual review?","start":1313.0651,"end":1323.7101,"sentiment":"neutral","sentiment_score":0.08402752123773098},{"text":"Yeah.","start":1344.3451,"end":1344.665,"sentiment":"neutral","sentiment_score":0.03724870830774307}],"sentiment":"neutral","sentiment_score":0.07342221352916498,"num_words":65,"start":1306.185,"end":1344.665},{"sentences":[{"text":"Correct.","start":1344.665,"end":1345.165,"sentiment":"neutral","sentiment_score":0.025271344929933548},{"text":"So what I might do is I'll I'll call it a bit of a three month catch up, a bit of a quarterly, and I'll get someone to touch base with you in November, book in for a bit of an updated chat.","start":1346.49,"end":1356.9701,"sentiment":"neutral","sentiment_score":0.08707524922698043},{"text":"And then if we need to change both of those, I can kind of address that in a strategy update for you.","start":1356.9701,"end":1362.785,"sentiment":"neutral","sentiment_score":0.07191008414057168},{"text":"Beautiful.","start":1366.125,"end":1366.625,"sentiment":"positive","sentiment_score":0.5117716193199158},{"text":"Outside of that, I'm glad that your your soup is actually doing well because there's a lot of nightmares floating around at the moment.","start":1367.405,"end":1373.31,"sentiment":"neutral","sentiment_score":0.21765527315437794}],"sentiment":"neutral","sentiment_score":0.12183546250338083,"num_words":91,"start":1344.665,"end":1373.31},{"sentences":[{"text":"A lot of people in the negatives out there and crashing and all kinds of things.","start":1373.4701,"end":1378.27,"sentiment":"neutral","sentiment_score":-0.2139308974146843},{"text":"But, yeah, there's a few fix ups to do and people walk in the door going, oh my god.","start":1378.27,"end":1384.67,"sentiment":"neutral","sentiment_score":-0.036129979450427195},{"text":"It's melting.","start":1384.67,"end":1385.325,"sentiment":"neutral","sentiment_score":-0.051722025498747826},{"text":"But it's good that you're on a nice steady ship even with a few shocks in between.","start":1385.725,"end":1390.945,"sentiment":"positive","sentiment_score":0.4414137181113748},{"text":"Yeah.","start":1396.205,"end":1396.2849,"sentiment":"neutral","sentiment_score":0.11389490962028503}],"sentiment":"neutral","sentiment_score":0.06191127451496537,"num_words":55,"start":1373.4701,"end":1396.2849},{"sentences":[{"text":"Absolutely.","start":1396.2849,"end":1396.7849,"sentiment":"neutral","sentiment_score":0.08213827013969421},{"text":"Just out of curiosity, if you're on personal investments, did you have some shares or ETFs or something?","start":1397.325,"end":1401.91,"sentiment":"neutral","sentiment_score":0.012870358380799493},{"text":"Or yep.","start":1409.0,"end":1409.83,"sentiment":"neutral","sentiment_score":-0.069124735891819},{"text":"Yeah.","start":1419.155,"end":1419.475,"sentiment":"neutral","sentiment_score":-0.08006876707077026},{"text":"No.","start":1419.475,"end":1419.715,"sentiment":"neutral","sentiment_score":-0.17705795168876648}],"sentiment":"neutral","sentiment_score":-0.003546585632569116,"num_words":23,"start":1396.2849,"end":1419.715},{"sentences":[{"text":"That's fair.","start":1419.715,"end":1420.615,"sentiment":"neutral","sentiment_score":-0.2553512901067734},{"text":"If at any point you would like any advice on personal investing, we do do that.","start":1421.875,"end":1426.535,"sentiment":"neutral","sentiment_score":0.029719163896515965},{"text":"Pretty similar to the good example I give is because you're with Hub twenty four, they also offer, like, personal investment accounts, which are identical to the super accounts.","start":1426.915,"end":1438.0599,"sentiment":"neutral","sentiment_score":0.1130966536443809},{"text":"So you can essentially have, like, two accounts on the same login.","start":1438.2,"end":1442.22,"sentiment":"neutral","sentiment_score":0.14232108679910502},{"text":"Can have your personal money, your super money.","start":1442.495,"end":1444.3351,"sentiment":"neutral","sentiment_score":0.17657162807881832}],"sentiment":"neutral","sentiment_score":0.09500049349309793,"num_words":67,"start":1419.715,"end":1444.3351},{"sentences":[{"text":"You can have them alongside each other, all the same investment options as well.","start":1444.3351,"end":1448.515,"sentiment":"neutral","sentiment_score":0.15379572872604644},{"text":"Yeah.","start":1461.55,"end":1461.87,"sentiment":"neutral","sentiment_score":0.11585508286952972},{"text":"Is it one of the like like, a Comsec, NABTrey, like, brokerage account, or are you thinking more like a raise spaceship type thing?","start":1461.87,"end":1471.2051,"sentiment":"neutral","sentiment_score":0.07332045192985485},{"text":"Fair.","start":1473.905,"end":1474.405,"sentiment":"neutral","sentiment_score":-0.11530059576034546},{"text":"Yeah.","start":1484.7201,"end":1484.9601,"sentiment":"neutral","sentiment_score":0.09602152556180954}],"sentiment":"neutral","sentiment_score":0.09779041612566244,"num_words":41,"start":1444.3351,"end":1484.9601},{"sentences":[{"text":"No worries.","start":1484.9601,"end":1485.54,"sentiment":"neutral","sentiment_score":0.19873710721731186},{"text":"Two one I've not heard of that one, but I'm gonna have a little look at it sometime.","start":1493.28,"end":1497.355,"sentiment":"neutral","sentiment_score":0.04800368255625168},{"text":"Gotcha.","start":1504.215,"end":1504.715,"sentiment":"neutral","sentiment_score":0.22866731882095337},{"text":"Yeah.","start":1514.79,"end":1515.11,"sentiment":"neutral","sentiment_score":0.15993143618106842},{"text":"I think that's pretty good.","start":1515.11,"end":1516.49,"sentiment":"positive","sentiment_score":0.49046650528907776}],"sentiment":"neutral","sentiment_score":0.15194339932942832,"num_words":27,"start":1484.9601,"end":1516.49},{"sentences":[{"text":"Low account keeping fees, good interest rate on it.","start":1516.7101,"end":1524.0636,"sentiment":"neutral","sentiment_score":0.23407213969363105},{"text":"That's pretty cool.","start":1525.1064,"end":1528.6921,"sentiment":"neutral","sentiment_score":0.01690283666054408},{"text":"Why not?","start":1529.735,"end":1530.375,"sentiment":"neutral","sentiment_score":0.19092363119125366},{"text":"I mean, good on you for giving it a go.","start":1530.375,"end":1532.53,"sentiment":"positive","sentiment_score":0.5794575542211533},{"text":"And it's one of those things that yeah.","start":1532.59,"end":1537.39,"sentiment":"neutral","sentiment_score":0.09755837824195623}],"sentiment":"neutral","sentiment_score":0.28482023742981255,"num_words":32,"start":1516.7101,"end":1537.39},{"sentences":[{"text":"So you're not taking any unnecessary risks.","start":1537.39,"end":1539.5701,"sentiment":"neutral","sentiment_score":-0.11839712198291506},{"text":"Yeah.","start":1548.4451,"end":1548.9451,"sentiment":"neutral","sentiment_score":0.02341296151280403},{"text":"Look.","start":1549.005,"end":1549.245,"sentiment":"neutral","sentiment_score":-0.042920514941215515},{"text":"I do get people oh, Man, do you know how many people I get calling up the office weekly saying, oh, I wanna buy a house in twelve months.","start":1549.245,"end":1570.01,"sentiment":"neutral","sentiment_score":-0.051983642038600196},{"text":"Can you invest my deposit in the stock market?","start":1570.01,"end":1572.35,"sentiment":"neutral","sentiment_score":-0.055935177124208875}],"sentiment":"neutral","sentiment_score":-0.06083467277757665,"num_words":47,"start":1537.39,"end":1572.35},{"sentences":[{"text":"And I'm just like, no.","start":1572.675,"end":1574.5951,"sentiment":"neutral","sentiment_score":-0.2763828933238983},{"text":"It's like a ten year game, not like a twelve month game, and then you're at the mercy of a crash wiping out your home deposit.","start":1574.5951,"end":1580.515,"sentiment":"negative","sentiment_score":-0.3889329112493075},{"text":"Why why bother?","start":1580.515,"end":1581.655,"sentiment":"negative","sentiment_score":-0.42406723896662396},{"text":"Oh.","start":1595.4099,"end":1595.9099,"sentiment":"neutral","sentiment_score":-0.16478094458580017},{"text":"Yeah.","start":1610.07,"end":1610.57,"sentiment":"neutral","sentiment_score":-0.11774875968694688}],"sentiment":"negative","sentiment_score":-0.3624694883409474,"num_words":36,"start":1572.675,"end":1610.57},{"sentences":[{"text":"Wow.","start":1614.87,"end":1615.37,"sentiment":"neutral","sentiment_score":0.02566471695899963},{"text":"So yeah.","start":1615.59,"end":1619.85,"sentiment":"neutral","sentiment_score":0.043997809290885925},{"text":"So when it comes to our style of advice for it, so you've obviously got priorities in terms of, like, the vehicle, the holidays, the mortgage.","start":1619.99,"end":1628.135,"sentiment":"neutral","sentiment_score":0.10557441012217449},{"text":"Once those are in a in a steady enough position, like, you know, how you said you had a ten year plan, we would basically then sit down once those are on track and go through, like, a a personal risk profile similar to your super risk profile and kind of split them into two different ones.","start":1628.595,"end":1645.67,"sentiment":"neutral","sentiment_score":0.0691709755348009},{"text":"And then we would build a portfolio whether that was something medium risk or or above depending on time frames and goals and things like that.","start":1645.855,"end":1653.875,"sentiment":"neutral","sentiment_score":0.049204894699729405}],"sentiment":"neutral","sentiment_score":0.07214882023566004,"num_words":112,"start":1614.87,"end":1653.875},{"sentences":[{"text":"And then we'd be a little bit more little bit more conservative with it.","start":1653.9349,"end":1658.1749,"sentiment":"neutral","sentiment_score":0.026920371422810212},{"text":"Nothing crazy.","start":1658.1749,"end":1658.975,"sentiment":"neutral","sentiment_score":0.026517229154706},{"text":"No $5,000,000 margin loans.","start":1658.975,"end":1661.04,"sentiment":"neutral","sentiment_score":0.0059975222684443006},{"text":"Cool.","start":1674.48,"end":1674.855,"sentiment":"neutral","sentiment_score":0.22453826665878296},{"text":"Yeah.","start":1682.855,"end":1683.355,"sentiment":"neutral","sentiment_score":0.10983200371265411}],"sentiment":"neutral","sentiment_score":0.03583090989427133,"num_words":22,"start":1653.9349,"end":1683.355},{"sentences":[{"text":"Yep.","start":1699.91,"end":1700.41,"sentiment":"neutral","sentiment_score":0.27095919847488403},{"text":"Fantastic.","start":1714.315,"end":1714.815,"sentiment":"positive","sentiment_score":0.8223379850387573},{"text":"So go through the old holidays and loan repayments, and then when the kids leave, buy a unit, rent out the house, and, yeah, that's a pretty solid ten year plan.","start":1715.195,"end":1724.96,"sentiment":"positive","sentiment_score":0.5385261668312934},{"text":"Good on you.","start":1724.96,"end":1725.78,"sentiment":"positive","sentiment_score":0.6852736473083496},{"text":"Fair.","start":1730.96,"end":1731.225,"sentiment":"neutral","sentiment_score":-0.12193095684051514}],"sentiment":"positive","sentiment_score":0.5330134686586019,"num_words":37,"start":1699.91,"end":1731.225},{"sentences":[{"text":"Yeah.","start":1733.465,"end":1733.865,"sentiment":"neutral","sentiment_score":0.011318322271108627},{"text":"Give it a go and just refine it over time.","start":1733.865,"end":1735.705,"sentiment":"neutral","sentiment_score":0.17658079117536546},{"text":"It's better than having no plan and waking up at fifty eight going, whoops.","start":1735.705,"end":1739.065,"sentiment":"neutral","sentiment_score":-0.05042318840112005},{"text":"I probably should have looked at that.","start":1739.065,"end":1740.765,"sentiment":"neutral","sentiment_score":-0.07076647132635117},{"text":"Absolutely.","start":1744.42,"end":1744.92,"sentiment":"positive","sentiment_score":0.3873192369937897}],"sentiment":"neutral","sentiment_score":0.029186531336921635,"num_words":33,"start":1733.465,"end":1744.92},{"sentences":[{"text":"Alright.","start":1746.5,"end":1746.98,"sentiment":"neutral","sentiment_score":0.24795985221862793},{"text":"I've just added into the system a bit of a catch up for you in November.","start":1746.98,"end":1751.16,"sentiment":"neutral","sentiment_score":0.23796307109296322},{"text":"I've have just added those goals in as well just so we can kind of touch base on them together.","start":1752.34,"end":1757.08,"sentiment":"positive","sentiment_score":0.3347241565585136},{"text":"Outside of that, actually, there is one thing I've gotta show you as well.","start":1759.005,"end":1762.465,"sentiment":"neutral","sentiment_score":0.08623456063547305},{"text":"On that email, we've got an updated consent form with Hub twenty four in terms of our fees and our services through them and a tax file number opt in form, which is basically just our way of trying to, a, get your consent to be holding such a sensitive number, and, b, trying to keep it into one form rather than six digital systems.","start":1763.645,"end":1787.04,"sentiment":"neutral","sentiment_score":0.03458090364359892}],"sentiment":"neutral","sentiment_score":0.12245598885005918,"num_words":116,"start":1746.5,"end":1787.04},{"sentences":[{"text":"But so that's a bit of a safety thing.","start":1788.315,"end":1791.835,"sentiment":"neutral","sentiment_score":0.01820824585027165},{"text":"But after your performance report from Hub, the next document you'll see is your MetLife certificate of currency.","start":1791.835,"end":1798.735,"sentiment":"neutral","sentiment_score":0.040626945077545114},{"text":"But what I wanted to do, if you can just for a second for me before I let you go, the one after that is an updated service guide and financial services guide with us.","start":1800.5299,"end":1809.83,"sentiment":"neutral","sentiment_score":0.03152427098580769},{"text":"It's got a big blue banner city picture on it.","start":1811.33,"end":1814.4149,"sentiment":"neutral","sentiment_score":0.06060707345604897},{"text":"Can you see that one?","start":1814.4149,"end":1815.475,"sentiment":"neutral","sentiment_score":0.03197022303938866}],"sentiment":"neutral","sentiment_score":0.03590169556245401,"num_words":77,"start":1788.315,"end":1815.475},{"sentences":[{"text":"Now if you scroll all the way down through our services guide, you'll see all the pictures of the team, and it'll get about to page 13, and then you'll see another document identical called financial services guide.","start":1816.975,"end":1830.2899,"sentiment":"neutral","sentiment_score":0.03447989109707506},{"text":"Cool.","start":1834.19,"end":1834.69,"sentiment":"neutral","sentiment_score":0.23985004425048828},{"text":"So I just wanted to let you know we have updated our fee structure, and there's been no real changes for you at the moment, but there's some future changes upcoming.","start":1834.75,"end":1844.855,"sentiment":"neutral","sentiment_score":0.03624986532715059},{"text":"So if you go down to a few pages into that, you should see an ongoing service fee and two little tables there split between sorry.","start":1845.395,"end":1855.155,"sentiment":"neutral","sentiment_score":0.041440573520958424},{"text":"Individual and couple.","start":1855.155,"end":1860.24,"sentiment":"neutral","sentiment_score":0.028862107545137405}],"sentiment":"neutral","sentiment_score":0.038766393588498385,"num_words":99,"start":1816.975,"end":1860.24},{"sentences":[{"text":"And it should be on Odo.","start":1860.2999,"end":1862.14,"sentiment":"neutral","sentiment_score":0.04559179830054442},{"text":"It should be page 17.","start":1862.14,"end":1864.08,"sentiment":"neutral","sentiment_score":0.03965334631502628},{"text":"But, again, it's kind of two documents merged into one.","start":1864.7,"end":1867.4199,"sentiment":"neutral","sentiment_score":-0.005466673662886024},{"text":"So yep.","start":1867.4199,"end":1869.465,"sentiment":"neutral","sentiment_score":0.04057747311890125},{"text":"So normally no.","start":1869.7849,"end":1872.1849,"sentiment":"neutral","sentiment_score":0.10215580960114796}],"sentiment":"neutral","sentiment_score":0.030952813838107083,"num_words":26,"start":1860.2999,"end":1872.1849},{"sentences":[{"text":"You're right.","start":1872.1849,"end":1872.745,"sentiment":"neutral","sentiment_score":-0.04442008025944233},{"text":"Normally, 1.65%, but when people are above 200,000 now, we're implementing a tiered fee reduction.","start":1872.745,"end":1880.125,"sentiment":"neutral","sentiment_score":-0.1530099386970202},{"text":"So from $205,100,000, the percentage will drop.","start":1880.6649,"end":1884.28,"sentiment":"neutral","sentiment_score":-0.23028663439410074},{"text":"500 to a million, it'll drop again.","start":1884.42,"end":1886.84,"sentiment":"neutral","sentiment_score":-0.23441053075449808},{"text":"And then one to 2,000,000, it'll have a further drop as well.","start":1886.9,"end":1890.02,"sentiment":"neutral","sentiment_score":-0.1889816758533319}],"sentiment":"neutral","sentiment_score":-0.18382905830824098,"num_words":43,"start":1872.1849,"end":1890.02},{"sentences":[{"text":"So it's just essentially saying, you're at 01:30 now, so there's no change to the percentage.","start":1890.02,"end":1894.6,"sentiment":"neutral","sentiment_score":0.033423741813749075},{"text":"But when you press 200,000, we'll start to apply some discounts.","start":1894.74,"end":1898.525,"sentiment":"neutral","sentiment_score":0.04153053784234957},{"text":"Cool.","start":1902.265,"end":1902.765,"sentiment":"positive","sentiment_score":0.6487315893173218},{"text":"And the all important question is, are you comfortable with our services?","start":1904.265,"end":1907.625,"sentiment":"neutral","sentiment_score":0.20792409032583237},{"text":"Are you happy for us to continue looking after things?","start":1907.625,"end":1909.83,"sentiment":"neutral","sentiment_score":0.23955212384462357}],"sentiment":"neutral","sentiment_score":0.13061915393918752,"num_words":50,"start":1890.02,"end":1909.83},{"sentences":[{"text":"Can't promise you it'll always be good news.","start":1917.19,"end":1918.95,"sentiment":"neutral","sentiment_score":0.1696452156174928},{"text":"There'll always be something popping up in the world.","start":1918.95,"end":1921.21,"sentiment":"neutral","sentiment_score":-0.16022261728843054},{"text":"That's the one.","start":1926.485,"end":1927.385,"sentiment":"neutral","sentiment_score":0.03925825158754984},{"text":"And whenever something does happen, my job is essentially to walk you through what the options are, what's happened.","start":1927.605,"end":1933.465,"sentiment":"neutral","sentiment_score":0.1118426609196161},{"text":"And the main thing for us is just don't leave something in a bad state for multiple years in a row.","start":1933.6849,"end":1939.8099,"sentiment":"neutral","sentiment_score":0.009946065112238838}],"sentiment":"neutral","sentiment_score":0.03944684748227398,"num_words":60,"start":1917.19,"end":1939.8099},{"sentences":[{"text":"If you can make a few changes here and there as the world changes, keep it on track.","start":1940.0299,"end":1944.5099,"sentiment":"positive","sentiment_score":0.3872478985124164},{"text":"It should be sweet.","start":1944.5099,"end":1945.49,"sentiment":"positive","sentiment_score":0.5687359273433685},{"text":"Cool.","start":1948.59,"end":1949.085,"sentiment":"neutral","sentiment_score":0.08289308845996857},{"text":"No.","start":1958.845,"end":1959.345,"sentiment":"neutral","sentiment_score":-0.18827679753303528},{"text":"Oh, no.","start":1965.9,"end":1966.72,"sentiment":"neutral","sentiment_score":-0.07902229577302933}],"sentiment":"positive","sentiment_score":0.3454606762299171,"num_words":26,"start":1940.0299,"end":1966.72},{"sentences":[{"text":"Gotcha.","start":1977.095,"end":1977.595,"sentiment":"neutral","sentiment_score":-0.07944000512361526},{"text":"I've added that one in, but that's okay.","start":1977.6549,"end":1979.815,"sentiment":"neutral","sentiment_score":-0.19343045260757208},{"text":"So we've got the vehicle loan, the tax debt, the mortgage, and then, awesome, straight into the unit after that.","start":1979.815,"end":1986.955,"sentiment":"neutral","sentiment_score":0.10785274486988783},{"text":"Yeah.","start":1999.91,"end":2000.325,"sentiment":"neutral","sentiment_score":0.02243613637983799},{"text":"Yep.","start":2000.325,"end":2000.825,"sentiment":"neutral","sentiment_score":0.001984627917408943}],"sentiment":"neutral","sentiment_score":0.017890065668090697,"num_words":31,"start":1977.095,"end":2000.825},{"sentences":[{"text":"Fair chunk out of it.","start":2001.365,"end":2002.745,"sentiment":"neutral","sentiment_score":0.26040196418762207},{"text":"Yep.","start":2010.565,"end":2011.065,"sentiment":"neutral","sentiment_score":0.02224830910563469},{"text":"Yep.","start":2012.885,"end":2013.385,"sentiment":"neutral","sentiment_score":0.04065753147006035},{"text":"And that actually does remind me one last question I've got for you is previous company did do some salary sacrifice, but I just made a note from earlier in the conversation that we weren't going to do any additional contributions to Suba because you've got your kind of three step cash flow plan.","start":2015.2849,"end":2032.925,"sentiment":"neutral","sentiment_score":-0.009587132440948928},{"text":"Did you want me to look at anything like that or just leave it alone until those goals are achieved?","start":2033.545,"end":2038.525,"sentiment":"neutral","sentiment_score":-0.0009302251040935516}],"sentiment":"neutral","sentiment_score":0.010229703797786325,"num_words":81,"start":2001.365,"end":2038.525},{"sentences":[{"text":"Yep.","start":2049.48,"end":2049.96,"sentiment":"neutral","sentiment_score":0.009220738895237446},{"text":"No.","start":2049.96,"end":2050.2,"sentiment":"neutral","sentiment_score":-0.056611157953739166},{"text":"That's totally fair.","start":2050.2,"end":2051.42,"sentiment":"neutral","sentiment_score":0.01033997597793738},{"text":"Can't be locking funds away until age 60 when you've got all these things to sort out.","start":2051.48,"end":2055.285,"sentiment":"neutral","sentiment_score":-0.1017874794847825},{"text":"Out.","start":2062.805,"end":2063.305,"sentiment":"neutral","sentiment_score":-0.3144727945327759}],"sentiment":"neutral","sentiment_score":-0.08961871464777252,"num_words":23,"start":2049.48,"end":2063.305},{"sentences":[{"text":"Oh, right.","start":2065.365,"end":2066.265,"sentiment":"neutral","sentiment_score":-0.16766571998596191},{"text":"Damn.","start":2085.315,"end":2085.815,"sentiment":"neutral","sentiment_score":-0.32848748564720154},{"text":"Yeah.","start":2088.9949,"end":2089.2349,"sentiment":"neutral","sentiment_score":-0.015004831366240978},{"text":"That's a lovely roof.","start":2089.2349,"end":2090.615,"sentiment":"neutral","sentiment_score":0.10585592035204172},{"text":"Yeah.","start":2091.155,"end":2091.655,"sentiment":"neutral","sentiment_score":0.02394151501357555}],"sentiment":"neutral","sentiment_score":-0.025717617840402655,"num_words":9,"start":2065.365,"end":2091.655},{"sentences":[{"text":"Oh, man.","start":2093.7148,"end":2094.1099,"sentiment":"neutral","sentiment_score":-0.027457749471068382},{"text":"So a few things.","start":2094.1099,"end":2095.17,"sentiment":"neutral","sentiment_score":-0.21749627217650414},{"text":"Yeah.","start":2106.29,"end":2106.69,"sentiment":"neutral","sentiment_score":-0.02958220057189465},{"text":"Actually, I do have someone coming into the office this afternoon who had salary sacrifice going for, like, three years.","start":2106.69,"end":2113.885,"sentiment":"neutral","sentiment_score":-0.05710968216881156},{"text":"And then one time, they coded it wrong as a personal contribution right after we had done a big lump sum, like, 360,000 into super using up all their caps, and it just triggered that overpayment, messed the whole strategy up.","start":2114.185,"end":2130.1,"sentiment":"neutral","sentiment_score":-0.2554924482615983}],"sentiment":"neutral","sentiment_score":-0.18488039426943836,"num_words":68,"start":2093.7148,"end":2130.1},{"sentences":[{"text":"So now he's gotta pull $200 back out again.","start":2130.1,"end":2132.36,"sentiment":"neutral","sentiment_score":-0.23526834944883981},{"text":"Right.","start":2166.325,"end":2166.825,"sentiment":"neutral","sentiment_score":-0.035105522722005844},{"text":"So fringe benefits tax, is that what you got hit with?","start":2167.365,"end":2170.425,"sentiment":"neutral","sentiment_score":-0.06008458789438009},{"text":"Jeez.","start":2173.2852,"end":2173.7852,"sentiment":"neutral","sentiment_score":-0.18623793125152588},{"text":"Yeah.","start":2185.14,"end":2185.46,"sentiment":"neutral","sentiment_score":-0.10401445627212524}],"sentiment":"neutral","sentiment_score":-0.1349436313966694,"num_words":23,"start":2130.1,"end":2185.46},{"sentences":[{"text":"Philip, you're you're the criminal, mate.","start":2185.46,"end":2187.14,"sentiment":"negative","sentiment_score":-0.3727933168411255},{"text":"Just watch out.","start":2187.14,"end":2188.2,"sentiment":"neutral","sentiment_score":-0.2570650676886241},{"text":"They're coming after you.","start":2188.26,"end":2189.64,"sentiment":"neutral","sentiment_score":-0.09018185548484325},{"text":"Bloody hell.","start":2192.42,"end":2193.045,"sentiment":"negative","sentiment_score":-0.5151963829994202},{"text":"Oh, man.","start":2203.4448,"end":2204.345,"sentiment":"neutral","sentiment_score":0.05649559572339058}],"sentiment":"neutral","sentiment_score":-0.25212259415317984,"num_words":17,"start":2185.46,"end":2204.345},{"sentences":[{"text":"Righty.","start":2208.8901,"end":2209.3901,"sentiment":"neutral","sentiment_score":0.2328315228223801},{"text":"Yeah.","start":2210.73,"end":2211.23,"sentiment":"neutral","sentiment_score":0.08871110528707504},{"text":"Mate, any questions for me before I let you go?","start":2211.69,"end":2214.11,"sentiment":"neutral","sentiment_score":0.047789477929472926},{"text":"Yep.","start":2225.545,"end":2226.045,"sentiment":"neutral","sentiment_score":0.2254999727010727},{"text":"Anything else pop up in between, just give us a buzz and let us know.","start":2226.345,"end":2229.7249,"sentiment":"neutral","sentiment_score":0.17751136422157288}],"sentiment":"neutral","sentiment_score":0.13170028012245893,"num_words":28,"start":2208.8901,"end":2229.7249},{"sentences":[{"text":"But I've got all that file noted in there for our next catch up.","start":2229.785,"end":2233.8,"sentiment":"neutral","sentiment_score":0.2631225532719067},{"text":"And if there's anything else you need, just, yeah, let us know.","start":2234.12,"end":2237.74,"sentiment":"neutral","sentiment_score":0.19424524903297424},{"text":"Awesome, Phil.","start":2240.68,"end":2241.32,"sentiment":"positive","sentiment_score":0.7794855535030365},{"text":"I'll leave that pack with you there, mate.","start":2241.32,"end":2242.84,"sentiment":"positive","sentiment_score":0.5689784586429596},{"text":"If you have any trouble with the digital authorization, I'll get Michelle to give you a buzz next week and and see how you go.","start":2242.84,"end":2249.755,"sentiment":"neutral","sentiment_score":0.28274261593818667}],"sentiment":"neutral","sentiment_score":0.3146561132591279,"num_words":61,"start":2229.785,"end":2249.755},{"sentences":[{"text":"Awesome.","start":2252.295,"end":2252.6948,"sentiment":"positive","sentiment_score":0.8337997198104858},{"text":"Have a great weekend, mate.","start":2252.6948,"end":2253.655,"sentiment":"positive","sentiment_score":0.8333333492279053},{"text":"Thank you so much.","start":2253.655,"end":2254.635,"sentiment":"positive","sentiment_score":0.778330072760582},{"text":"Bye.","start":2255.815,"end":2256.315,"sentiment":"neutral","sentiment_score":-0.1034953072667122}],"sentiment":"positive","sentiment_score":0.7282083136114207,"num_words":11,"start":2252.295,"end":2256.315}]}}]},{"alternatives":[{"transcript":"Hello. Philip speaking. Okay. Tom. Yeah. Good, mate. Good. Is it Tommy or Tom? Tommy, x. Yep. I do now. Yep. Yep. Uh-huh. That's Haley. Yep. Yeah. Just loading my email account now. Thinking if it when we take a little little bit to wake up. There we go. Mhmm. Yep. Yep. Yep. Yeah. Correct. No. Not anymore. That that contract finished. Yeah. That's done. They don't do it anymore. So now at RCQ, I'm actually a what's called a business initiative specialist. And so what I'm actually doing, I'm working with communications and comms going out to our everything under mobility, our frontline teams. So, yeah, it's about 900 odd people that I've gotta send stuff out to. Yep. Yeah. Yeah. It's actually come down a little bit. So 100 and it's a 108 either a 115 or a 118, but that includes super. So I'm not sure exactly on the breakdown. Yep. Yep. Yep. No. I haven't got around to that yet. I should have done that, but, no, I haven't done it. No. I haven't. Yep. Yeah. Correct. Yep. Not as if that is it. Yeah. My changes. Yeah. Nothing's really changed in that area yet. Like, we have a ten year plan now, but other than that, no. We, yeah, so we've got do wanna travel, obviously, whenever we can, I'll be but the the paying off the the last of the car car will be good. Nearly nearly paid off now. And then we'll loan both cars outright on the vehicle. I think it's 12,000, 13,000, thereabouts. Yeah. We we smashed a heap of it. Yep. Yep. Yeah. It turns about right. No. That's gone up slightly. We had to we had a few things break in the house, unfortunately. So we had to fix a few things. So that's gone to be back to $6.95 now. Yeah. It was $7.30, but it's come back down again. Yep. Yep. Yeah. Most of it is going into savings because we're going we're planning a couple of holidays. But a short weekend holiday away coming up, and then we've got my wife's fortieth. So we're putting it all into our savings this time. I don't know. Save some money for that. Yeah. I think that I think no. We just paid for all the flights and stuff. So it's probably only about $3 in there now. So we just paid for all the flights. So yeah. Oh, well, and and the accommodation and everything else is all paid. It's just what we wanna do for food. Why were they? Not for the fortieth. Well, we want to. We haven't worked on that yet, but we're doing a little short wedding anniversary going away for that in a couple of weeks. So we're just going to Japan for a few days. Yeah. Just a quick little spirit holiday. We're going into actually just Tokyo. We've never been there, so we're just going to Tokyo City this time. Just yeah. Because it's literally just a few days. So yeah. Never been, so I thought I would have a have a have a go. Yeah. Yeah. Well, that's what we were we would like to do one day. But, yeah, you know, obviously, cash flow doesn't always work that great. Oh, I just yeah. Yeah. Yep. Yep. Hang on. It sent me page, like, 13. Alright. Yep. I'm back on page one now. Yep. Mhmm. At at this point in time, I think it does. I think it's we did talk about it quite in-depth last the first time we did it. I'm trying to work out what the actual amount should be. But, yeah, nothing's really changed for us in that regard. Thank god. Yeah. Yep. I must have gone to the wrong oh, here we go. Sorry. I think I'm back in the wrong sorry. I'm not oh, here we go. Now it's the right one up. Yep. Mhmm. Oh, yeah. Yeah. Yeah. Cool. Yeah. I get that. Yeah. Well, I can't see my income changing in the next twelve months anyway. It is now it's gone back to, obviously, for salary now. So before, it used to fluctuate a bit, but now it's going back to salary. So yeah, it is more of a debt amount. Well, it could probably come down to the $1.20 mark, so it'd be closer, but it doesn't I don't think it would change the premium that much. I don't think, would it? Yeah. Yep. No. No. Not really worth it. Just in case that it does change, means we'd have to put all the effort in. Yeah. Oh, yeah. Yep. Yep. That makes sense. Oh, yeah. Yep. Yep. I can. Yep. Yeah. That's yep. Yeah. Yep. No. I understand that. Yes. I was gonna say yeah. Yeah. I I noticed it in my other my personal stuff. I was like, damn it. Oh, yeah. That was fine. Like, I was like my wife was like, do we have to worry about it? I said, it'll come back up eventually. Just leave it. We don't need it right now anyway. Yeah. Yeah. Yeah. That that would be the I would be very conservative once I get to that age, I think. I've got yeah. That's pretty that's exactly what I was hoping to do. If it's, you know, give me the best chance while I've got the years ahead of me. Yep. Yep. Yeah. Well, that's good. Because, yeah, I remember we're like we're we're not doing it the first time. We're like, oh, we'll have to do a bit of a lot of lifting to begin with, but using your words, you know. But, yeah, it's it's good though when I looked at it last time. Yep. Yes. Yes. Yeah. Yeah. Sounds like my father-in-law. Yeah. Yep. Yeah. He only got it in, like, the last fifteen years. Mhmm. Right. So he's very lucky that the house that they've got that they're about to sell is probably gonna give them the money that they're needing. But even so, it's not not it's still not gonna be enough, I don't think. They're gonna be very heavily on the pension. Yep. Yep. Yep. The return figures, you mean? The digits? Yep. Yep. Yeah. Yep. I understand. Yeah. I can see those. Oh, you use that word. Yeah. Okay. That makes sense. Good on good on property. Sounds bad. Right? Yeah. Yep. Yep. Yeah. That's fine. Yep. Yeah. No. We could do one in December. That wouldn't be a problem. It'd have to be near the beginning because I'm we if we do go overseas, we're going overseas by November 13. So yeah. It just has to be before then. Obviously, most people are not working after that anyway. They're all on holiday mode. Yep. Yep. Sounds good. No. That doesn't sound good. Unfortunate. Yes. Yeah. There was a couple of good ones. Yeah. I had a couple of shares and a couple ETFs. Nothing else really because I don't understand the rest of it. So I'm not I looked at all that, you know, e e what do you call it? Bitcoin, all those sort of things, but I don't understand how it works. So I'm like, I'm not gonna put money in if I don't get it. I'll end up losing it. Oh, really? Okay. Oh, well. Well, that might be actually something to look into. Because, yeah, I I just used the a platform, what do you call one of the app platforms on my phone at the moment. The only one that I found that had decent reviews. I tried a Comsec one. I just it just wouldn't work properly on my phone. I just think it was because my phone's too old. But now I'm actually using I think it's called trading sorry. I'm just gonna pull it up because I've got the name here. It's cool. Trading two one 2. Yeah. It's a u it's I think it's based in The States, but it has good returns on any cash that you just have leaving in the account. You get, like, I think it's, like, 5.6% I'm getting at the moment, the cash that I get back off the dividends. So it's it's okay. Not as yes. Yeah. So it's, you know, for a first time going at it. I thought I'm getting older. I should probably try figuring stuff out. And it's just plain money anyway, so I don't care if I lose it all. So if I if it will no. No. It's not like I'm using the mortgage payment on or anything stupid like that. Like, I've I know of other people that have. Two of my mates did that, and they they had to go into hard financial hardship with their bank when all of the war happened because he did it. But they do let's do that for him. He's like, oh, I I thought I was ahead enough. Yeah. Oh, mate. That's just bad luck. Yeah. Yeah. Why risk you're losing it? And that yeah. My mate in particular, he yeah. He's gonna be what did I I think they put him on, like, a a deferred payment for six months. And then he's yeah. Like, it's a lot of money. And he's gonna be paying it off. I think he's got to add he was only, like, ten years left on his mortgage. He's back up to, like, eighteen years is what they've told him because of all the interest that he's gonna incur over the next six months with no payments. I was like, this isn't a really bad decision, man. Yes. Oh, yeah. Yeah. Because yeah. Exactly. Because, yeah, like, our ten year plan is we wanna, you know, get another get a unit for ourselves and then have our existing houses So that's what what our broker's working on for us. He's the guy who got our house originally for us. So he's helping us to find something that we can look at because, obviously, we're staying there till the kids finish school. But then the kids are planning to rent an office with a few of their mates. That's the current plan because, obviously, my son's 18 now. So he's technically an adult. He can do do what he wants, but he said he wants to stay at the house. Right? Because he has his own area, so he's happy. He's got a the daughter wants the same thing. Yeah. That's that's you know, I can type it works. But if you don't have a plan, right, you got nothing to work towards. So yeah. I should have actually thought about what we're doing. Yep. Yep. Yep. Oh, yeah. Yeah. Yep. Yep. Yep. Yep. Yeah. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Looking at that one there. Oh, yeah. Here we go. Yep. Yep. Very well. I'm looking fine up through it. Yep. Cool. That's cool. Oh, yeah. Definitely. Yeah. No trouble being all good news. It's good. No. No. It won't always be, but, you know, plan for the best. I hope for the worst. I hope for the best. Get the right way around. Yeah. The only thing I've really got going on at the moment other than that, other things I've already spoken about, it's just paying off a new tax debt because my last company I worked for stuffed it all up. They left me with a nice it was a $12.5 bill. That wasn't very impressed. Yeah. So that's the other thing I'm now paying off for that. I didn't realize I was gonna have to pay off because I thought they were doing my books right. Very frustrating. Yep. Yep. Hopefully yeah. I'm not sure how long that'll take me to get rid of it, but at least my tax return will when I when that goes into it, it'll take off a couple of grand, hopefully. And then take a little chunk and then yeah. And then I'll just I've just got it on a a weekly payment thing. Sorry. Fortnight, like, Pays fortnightly now. Yep. I'll probably leave it alone at the moment. Yeah. Just because we gotta try to get a few things sorted. Maybe in December, we could look at it. But, yeah, at the moment, definitely not. Yeah. Yeah. And I think it was actually because they did my salary sacrificing. They screwed it all up because I ended up getting double taxed on everything. So I wasn't very impressed because they put me into a thing saying I was not earning that much and then changed it. Something else. I was had a big massive argument with the ATO about it. But I was like, well, this is what they did. This what you owe. This is what you should have paid. I'm like, right. He's like, it's all on the graph. So I'm like, yeah, I can see it. It's all black and white. It's obvious. Alright. Nothing I can do about it. So it's just live and learn. Don't trust them at their offices. Because sometimes they don't actually put it incorrectly. Yep. Yep. Pretty much exactly what sort of not not those sort of numbers, which I would love it to be, but, you know, but, yeah, similar scenario, but they did it with a vehicle allowance that they were giving me. They were supposed to take tax out of it, but they weren't. They were just giving me a full vehicle allowance amount of money every week. They were every pay. And, yeah, they didn't have put any tax on it. So I'm getting a huge amount of money, and then I was gonna, oh, shit. By the way, you've gotta pay all of this now. You didn't pay anything. And then I got interest on top of it. Yeah. I got hit with that one, and there was some other I forgot what it's called. There's two of them. And then I got fines as well for doing it. And I'm like, well, I didn't actually do it. Technically, they should get the fine, not me. But anyway yeah. Yeah. That's it. That's that's it. It is what it is. I thought I I thought I actually did think I stuffed it all up and I was like, oh. But I actually didn't do any other than sign the form to say yes. I will accept the payment. Yep. It is what it is. No. That's good. For now. It's all sound it's all sounding pretty good at the moment. So we'll keep moving along and, yeah, catch up later in the year. Yeah. Will do, man. Thank you very much for your time. Yeah. No dramas at all. Thanks for that. You too, mate. 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Philip speaking. Okay. Tom. Yeah.\n\nGood, mate. Good. Is it Tommy or Tom? Tommy, x. Yep.\n\nI do now. Yep. Yep. Uh-huh. That's Haley.\n\nYep. Yeah. Just loading my email account now. Thinking if it when we take a little little bit to wake up. There we go.\n\nMhmm. Yep. Yep. Yep. Yeah.\n\nCorrect. No. Not anymore. That that contract finished. Yeah.\n\nThat's done. They don't do it anymore. So now at RCQ, I'm actually a what's called a business initiative specialist. And so what I'm actually doing, I'm working with communications and comms going out to our everything under mobility, our frontline teams. So, yeah, it's about 900 odd people that I've gotta send stuff out to.\n\nYep. Yeah. Yeah. It's actually come down a little bit. So 100 and it's a 108 either a 115 or a 118, but that includes super.\n\nSo I'm not sure exactly on the breakdown. Yep. Yep. Yep. No.\n\nI haven't got around to that yet. I should have done that, but, no, I haven't done it. No. I haven't. Yep.\n\nYeah. Correct. Yep. Not as if that is it. Yeah.\n\nMy changes. Yeah. Nothing's really changed in that area yet. Like, we have a ten year plan now, but other than that, no. We, yeah, so we've got do wanna travel, obviously, whenever we can, I'll be but the the paying off the the last of the car car will be good.\n\nNearly nearly paid off now. And then we'll loan both cars outright on the vehicle. I think it's 12,000, 13,000, thereabouts. Yeah. We we smashed a heap of it.\n\nYep. Yep. Yeah. It turns about right. No.\n\nThat's gone up slightly. We had to we had a few things break in the house, unfortunately. So we had to fix a few things. So that's gone to be back to $6.95 now. Yeah.\n\nIt was $7.30, but it's come back down again. Yep. Yep. Yeah. Most of it is going into savings because we're going we're planning a couple of holidays.\n\nBut a short weekend holiday away coming up, and then we've got my wife's fortieth. So we're putting it all into our savings this time. I don't know. Save some money for that. Yeah.\n\nI think that I think no. We just paid for all the flights and stuff. So it's probably only about $3 in there now. So we just paid for all the flights. So yeah.\n\nOh, well, and and the accommodation and everything else is all paid. It's just what we wanna do for food. Why were they? Not for the fortieth. Well, we want to.\n\nWe haven't worked on that yet, but we're doing a little short wedding anniversary going away for that in a couple of weeks. So we're just going to Japan for a few days. Yeah. Just a quick little spirit holiday. We're going into actually just Tokyo.\n\nWe've never been there, so we're just going to Tokyo City this time. Just yeah. Because it's literally just a few days. So yeah. Never been, so I thought I would have a have a have a go.\n\nYeah. Yeah. Well, that's what we were we would like to do one day. But, yeah, you know, obviously, cash flow doesn't always work that great. Oh, I just yeah.\n\nYeah. Yep. Yep. Hang on. It sent me page, like, 13.\n\nAlright. Yep. I'm back on page one now. Yep. Mhmm.\n\nAt at this point in time, I think it does. I think it's we did talk about it quite in-depth last the first time we did it. I'm trying to work out what the actual amount should be. But, yeah, nothing's really changed for us in that regard. Thank god.\n\nYeah. Yep. I must have gone to the wrong oh, here we go. Sorry. I think I'm back in the wrong sorry.\n\nI'm not oh, here we go. Now it's the right one up. Yep. Mhmm. Oh, yeah.\n\nYeah. Yeah. Cool. Yeah. I get that.\n\nYeah. Well, I can't see my income changing in the next twelve months anyway. It is now it's gone back to, obviously, for salary now. So before, it used to fluctuate a bit, but now it's going back to salary. So yeah, it is more of a debt amount.\n\nWell, it could probably come down to the $1.20 mark, so it'd be closer, but it doesn't I don't think it would change the premium that much. I don't think, would it? Yeah. Yep. No.\n\nNo. Not really worth it. Just in case that it does change, means we'd have to put all the effort in. Yeah. Oh, yeah.\n\nYep. Yep. That makes sense. Oh, yeah. Yep.\n\nYep. I can. Yep. Yeah. That's yep.\n\nYeah. Yep. No. I understand that. Yes.\n\nI was gonna say yeah. Yeah. I I noticed it in my other my personal stuff. I was like, damn it. Oh, yeah.\n\nThat was fine. Like, I was like my wife was like, do we have to worry about it? I said, it'll come back up eventually. Just leave it. We don't need it right now anyway.\n\nYeah. Yeah. Yeah. That that would be the I would be very conservative once I get to that age, I think. I've got yeah.\n\nThat's pretty that's exactly what I was hoping to do. If it's, you know, give me the best chance while I've got the years ahead of me. Yep. Yep. Yeah.\n\nWell, that's good. Because, yeah, I remember we're like we're we're not doing it the first time. We're like, oh, we'll have to do a bit of a lot of lifting to begin with, but using your words, you know. But, yeah, it's it's good though when I looked at it last time. Yep.\n\nYes. Yes. Yeah. Yeah. Sounds like my father-in-law.\n\nYeah. Yep. Yeah. He only got it in, like, the last fifteen years. Mhmm.\n\nRight. So he's very lucky that the house that they've got that they're about to sell is probably gonna give them the money that they're needing. But even so, it's not not it's still not gonna be enough, I don't think. They're gonna be very heavily on the pension. Yep.\n\nYep. Yep. The return figures, you mean? The digits? Yep.\n\nYep. Yeah. Yep. I understand. Yeah.\n\nI can see those. Oh, you use that word. Yeah. Okay. That makes sense.\n\nGood on good on property. Sounds bad. Right? Yeah. Yep.\n\nYep. Yeah. That's fine. Yep. Yeah.\n\nNo. We could do one in December. That wouldn't be a problem. It'd have to be near the beginning because I'm we if we do go overseas, we're going overseas by November 13. So yeah.\n\nIt just has to be before then. Obviously, most people are not working after that anyway. They're all on holiday mode. Yep. Yep.\n\nSounds good. No. That doesn't sound good. Unfortunate. Yes.\n\nYeah. There was a couple of good ones. Yeah. I had a couple of shares and a couple ETFs. Nothing else really because I don't understand the rest of it.\n\nSo I'm not I looked at all that, you know, e e what do you call it? Bitcoin, all those sort of things, but I don't understand how it works. So I'm like, I'm not gonna put money in if I don't get it. I'll end up losing it. Oh, really?\n\nOkay. Oh, well. Well, that might be actually something to look into. Because, yeah, I I just used the a platform, what do you call one of the app platforms on my phone at the moment. The only one that I found that had decent reviews.\n\nI tried a Comsec one. I just it just wouldn't work properly on my phone. I just think it was because my phone's too old. But now I'm actually using I think it's called trading sorry. I'm just gonna pull it up because I've got the name here.\n\nIt's cool. Trading two one 2. Yeah. It's a u it's I think it's based in The States, but it has good returns on any cash that you just have leaving in the account. You get, like, I think it's, like, 5.6% I'm getting at the moment, the cash that I get back off the dividends.\n\nSo it's it's okay. Not as yes. Yeah. So it's, you know, for a first time going at it. I thought I'm getting older.\n\nI should probably try figuring stuff out. And it's just plain money anyway, so I don't care if I lose it all. So if I if it will no. No. It's not like I'm using the mortgage payment on or anything stupid like that.\n\nLike, I've I know of other people that have. Two of my mates did that, and they they had to go into hard financial hardship with their bank when all of the war happened because he did it. But they do let's do that for him. He's like, oh, I I thought I was ahead enough. Yeah.\n\nOh, mate. That's just bad luck. Yeah. Yeah. Why risk you're losing it?\n\nAnd that yeah. My mate in particular, he yeah. He's gonna be what did I I think they put him on, like, a a deferred payment for six months. And then he's yeah. Like, it's a lot of money.\n\nAnd he's gonna be paying it off. I think he's got to add he was only, like, ten years left on his mortgage. He's back up to, like, eighteen years is what they've told him because of all the interest that he's gonna incur over the next six months with no payments. I was like, this isn't a really bad decision, man. Yes.\n\nOh, yeah. Yeah. Because yeah. Exactly. Because, yeah, like, our ten year plan is we wanna, you know, get another get a unit for ourselves and then have our existing houses So that's what what our broker's working on for us.\n\nHe's the guy who got our house originally for us. So he's helping us to find something that we can look at because, obviously, we're staying there till the kids finish school. But then the kids are planning to rent an office with a few of their mates. That's the current plan because, obviously, my son's 18 now. So he's technically an adult.\n\nHe can do do what he wants, but he said he wants to stay at the house. Right? Because he has his own area, so he's happy. He's got a the daughter wants the same thing. Yeah.\n\nThat's that's you know, I can type it works. But if you don't have a plan, right, you got nothing to work towards. So yeah. I should have actually thought about what we're doing. Yep.\n\nYep. Yep. Oh, yeah. Yeah. Yep.\n\nYep. Yep. Yep. Yeah. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Looking at that one there. Oh, yeah. Here we go. Yep.\n\nYep. Very well. I'm looking fine up through it. Yep. Cool.\n\nThat's cool. Oh, yeah. Definitely. Yeah. No trouble being all good news.\n\nIt's good. No. No. It won't always be, but, you know, plan for the best. I hope for the worst.\n\nI hope for the best. Get the right way around. Yeah. The only thing I've really got going on at the moment other than that, other things I've already spoken about, it's just paying off a new tax debt because my last company I worked for stuffed it all up. They left me with a nice it was a $12.5 bill.\n\nThat wasn't very impressed. Yeah. So that's the other thing I'm now paying off for that. I didn't realize I was gonna have to pay off because I thought they were doing my books right. Very frustrating.\n\nYep. Yep. Hopefully yeah. I'm not sure how long that'll take me to get rid of it, but at least my tax return will when I when that goes into it, it'll take off a couple of grand, hopefully. And then take a little chunk and then yeah.\n\nAnd then I'll just I've just got it on a a weekly payment thing. Sorry. Fortnight, like, Pays fortnightly now. Yep. I'll probably leave it alone at the moment.\n\nYeah. Just because we gotta try to get a few things sorted. Maybe in December, we could look at it. But, yeah, at the moment, definitely not. Yeah.\n\nYeah. And I think it was actually because they did my salary sacrificing. They screwed it all up because I ended up getting double taxed on everything. So I wasn't very impressed because they put me into a thing saying I was not earning that much and then changed it. Something else.\n\nI was had a big massive argument with the ATO about it. But I was like, well, this is what they did. This what you owe. This is what you should have paid. I'm like, right.\n\nHe's like, it's all on the graph. So I'm like, yeah, I can see it. It's all black and white. It's obvious. Alright.\n\nNothing I can do about it. So it's just live and learn. Don't trust them at their offices. Because sometimes they don't actually put it incorrectly. Yep.\n\nYep. Pretty much exactly what sort of not not those sort of numbers, which I would love it to be, but, you know, but, yeah, similar scenario, but they did it with a vehicle allowance that they were giving me. They were supposed to take tax out of it, but they weren't. They were just giving me a full vehicle allowance amount of money every week. They were every pay.\n\nAnd, yeah, they didn't have put any tax on it. So I'm getting a huge amount of money, and then I was gonna, oh, shit. By the way, you've gotta pay all of this now. You didn't pay anything. And then I got interest on top of it.\n\nYeah. I got hit with that one, and there was some other I forgot what it's called. There's two of them. And then I got fines as well for doing it. And I'm like, well, I didn't actually do it.\n\nTechnically, they should get the fine, not me. But anyway yeah. Yeah. That's it. That's that's it.\n\nIt is what it is. I thought I I thought I actually did think I stuffed it all up and I was like, oh. But I actually didn't do any other than sign the form to say yes. I will accept the payment. Yep.\n\nIt is what it is. No. That's good. For now. It's all sound it's all sounding pretty good at the moment.\n\nSo we'll keep moving along and, yeah, catch up later in the year. Yeah. Will do, man. Thank you very much for your time. Yeah.\n\nNo dramas at all. Thanks for that. You too, mate. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":5.3599997,"end":5.68,"sentiment":"neutral","sentiment_score":0.04135197401046753},{"text":"Philip speaking.","start":5.68,"end":6.5,"sentiment":"neutral","sentiment_score":0.045124150812625885},{"text":"Okay.","start":9.76,"end":10.08,"sentiment":"neutral","sentiment_score":0.2855870723724365},{"text":"Tom.","start":10.08,"end":10.58,"sentiment":"neutral","sentiment_score":0.10587230324745178},{"text":"Yeah.","start":10.639999,"end":10.88,"sentiment":"neutral","sentiment_score":0.22736987471580505}],"sentiment":"neutral","sentiment_score":0.1250715876619021,"num_words":6,"start":5.3599997,"end":10.88},{"sentences":[{"text":"Good, mate.","start":10.88,"end":11.28,"sentiment":"positive","sentiment_score":0.5010493993759155},{"text":"Good.","start":11.28,"end":11.78,"sentiment":"positive","sentiment_score":0.4043354392051697},{"text":"Is it Tommy or Tom?","start":12.0,"end":13.38,"sentiment":"neutral","sentiment_score":0.0740761250257492},{"text":"Tommy, x.","start":14.96,"end":15.795,"sentiment":"neutral","sentiment_score":0.045799437910318375},{"text":"Yep.","start":21.715,"end":22.215,"sentiment":"neutral","sentiment_score":0.05138186365365982}],"sentiment":"neutral","sentiment_score":0.17452687296000394,"num_words":11,"start":10.88,"end":22.215},{"sentences":[{"text":"I do now.","start":23.395,"end":24.115,"sentiment":"neutral","sentiment_score":0.1018983672062556},{"text":"Yep.","start":24.115,"end":24.615,"sentiment":"neutral","sentiment_score":0.25515255331993103},{"text":"Yep.","start":32.6,"end":33.0,"sentiment":"neutral","sentiment_score":0.07215602695941925},{"text":"Uh-huh.","start":33.0,"end":33.239998,"sentiment":"neutral","sentiment_score":0.07851456105709076},{"text":"That's Haley.","start":33.239998,"end":42.04,"sentiment":"neutral","sentiment_score":0.2070269100368023}],"sentiment":"neutral","sentiment_score":0.14069650787860155,"num_words":8,"start":23.395,"end":42.04},{"sentences":[{"text":"Yep.","start":42.04,"end":42.54,"sentiment":"neutral","sentiment_score":0.09757399559020996},{"text":"Yeah.","start":48.245,"end":48.745,"sentiment":"neutral","sentiment_score":0.05073343217372894},{"text":"Just loading my email account now.","start":48.885,"end":50.905,"sentiment":"neutral","sentiment_score":0.058803142979741096},{"text":"Thinking if it when we take a little little bit to wake up.","start":51.205,"end":55.98,"sentiment":"neutral","sentiment_score":0.005931972024532465},{"text":"There we go.","start":71.305,"end":72.125,"sentiment":"neutral","sentiment_score":0.044015963872273765}],"sentiment":"neutral","sentiment_score":0.0295954088990887,"num_words":24,"start":42.04,"end":72.125},{"sentences":[{"text":"Mhmm.","start":80.985,"end":81.485,"sentiment":"neutral","sentiment_score":0.04240593686699867},{"text":"Yep.","start":85.85999,"end":86.35999,"sentiment":"neutral","sentiment_score":0.05247430503368378},{"text":"Yep.","start":86.5,"end":87.0,"sentiment":"neutral","sentiment_score":0.04295913502573967},{"text":"Yep.","start":95.14,"end":95.64,"sentiment":"neutral","sentiment_score":0.012721817009150982},{"text":"Yeah.","start":98.774994,"end":99.015,"sentiment":"neutral","sentiment_score":0.0469527430832386}],"sentiment":"neutral","sentiment_score":0.03950278740376234,"num_words":5,"start":80.985,"end":99.015},{"sentences":[{"text":"Correct.","start":99.015,"end":99.515,"sentiment":"neutral","sentiment_score":0.11684481799602509},{"text":"No.","start":109.735,"end":110.05499,"sentiment":"neutral","sentiment_score":-0.2002542614936829},{"text":"Not anymore.","start":110.05499,"end":110.795,"sentiment":"neutral","sentiment_score":-0.23531362414360046},{"text":"That that contract finished.","start":111.68,"end":113.06,"sentiment":"neutral","sentiment_score":-0.23237720131874084},{"text":"Yeah.","start":114.71999,"end":115.21999,"sentiment":"neutral","sentiment_score":-0.09040042012929916}],"sentiment":"neutral","sentiment_score":-0.17488287968768013,"num_words":9,"start":99.015,"end":115.21999},{"sentences":[{"text":"That's done.","start":115.6,"end":116.399994,"sentiment":"neutral","sentiment_score":-0.18715940415859222},{"text":"They don't do it anymore.","start":116.399994,"end":117.78,"sentiment":"negative","sentiment_score":-0.35282816290855407},{"text":"So now at RCQ, I'm actually a what's called a business initiative specialist.","start":122.88,"end":127.275,"sentiment":"neutral","sentiment_score":0.010818443046166347},{"text":"And so what I'm actually doing, I'm working with communications and comms going out to our everything under mobility, our frontline teams.","start":129.975,"end":138.475,"sentiment":"neutral","sentiment_score":0.055791556665843185},{"text":"So, yeah, it's about 900 odd people that I've gotta send stuff out to.","start":141.15,"end":146.04999,"sentiment":"neutral","sentiment_score":0.0065208786566342625}],"sentiment":"neutral","sentiment_score":-0.012127023489613618,"num_words":56,"start":115.6,"end":146.04999},{"sentences":[{"text":"Yep.","start":150.59,"end":151.09,"sentiment":"neutral","sentiment_score":0.0474296435713768},{"text":"Yeah.","start":155.41501,"end":155.735,"sentiment":"neutral","sentiment_score":0.032899461686611176},{"text":"Yeah.","start":155.735,"end":155.975,"sentiment":"neutral","sentiment_score":0.051066502928733826},{"text":"It's actually come down a little bit.","start":155.975,"end":157.57501,"sentiment":"neutral","sentiment_score":0.04993300778525216},{"text":"So 100 and it's a 108 either a 115 or a 118, but that includes super.","start":157.57501,"end":167.37999,"sentiment":"neutral","sentiment_score":0.04334850294981152}],"sentiment":"neutral","sentiment_score":0.04517318114924889,"num_words":26,"start":150.59,"end":167.37999},{"sentences":[{"text":"So I'm not sure exactly on the breakdown.","start":167.37999,"end":170.2,"sentiment":"neutral","sentiment_score":-0.027867526281625032},{"text":"Yep.","start":176.26,"end":176.76,"sentiment":"neutral","sentiment_score":0.25413718819618225},{"text":"Yep.","start":178.58,"end":179.06,"sentiment":"neutral","sentiment_score":0.11444652080535889},{"text":"Yep.","start":179.06,"end":179.415,"sentiment":"neutral","sentiment_score":0.09618575870990752},{"text":"No.","start":190.53499,"end":190.775,"sentiment":"neutral","sentiment_score":-0.12284698337316512}],"sentiment":"neutral","sentiment_score":0.009915189507106941,"num_words":12,"start":167.37999,"end":190.775},{"sentences":[{"text":"I haven't got around to that yet.","start":190.775,"end":192.66,"sentiment":"neutral","sentiment_score":-0.17893931376082556},{"text":"I should have done that, but, no, I haven't done it.","start":192.66,"end":194.84,"sentiment":"neutral","sentiment_score":-0.1386350074952299},{"text":"No.","start":209.295,"end":209.53499,"sentiment":"neutral","sentiment_score":-0.12740834057331085},{"text":"I haven't.","start":209.53499,"end":210.19499,"sentiment":"neutral","sentiment_score":-0.14431343227624893},{"text":"Yep.","start":220.19,"end":220.69,"sentiment":"neutral","sentiment_score":0.05807529017329216}],"sentiment":"neutral","sentiment_score":-0.14252364516935564,"num_words":22,"start":190.775,"end":220.69},{"sentences":[{"text":"Yeah.","start":224.11,"end":224.43,"sentiment":"neutral","sentiment_score":0.03957609832286835},{"text":"Correct.","start":224.43,"end":224.93,"sentiment":"neutral","sentiment_score":0.06329745054244995},{"text":"Yep.","start":225.63,"end":226.13,"sentiment":"neutral","sentiment_score":0.1142633706331253},{"text":"Not as if that is it.","start":230.27,"end":231.39,"sentiment":"neutral","sentiment_score":-0.12353260939319928},{"text":"Yeah.","start":231.39,"end":231.735,"sentiment":"neutral","sentiment_score":0.07699332386255264}],"sentiment":"neutral","sentiment_score":-0.04470654129981995,"num_words":10,"start":224.11,"end":231.735},{"sentences":[{"text":"My changes.","start":231.895,"end":232.635,"sentiment":"neutral","sentiment_score":0.08560057356953621},{"text":"Yeah.","start":249.99,"end":250.39,"sentiment":"neutral","sentiment_score":0.027622221037745476},{"text":"Nothing's really changed in that area yet.","start":250.39,"end":252.57,"sentiment":"neutral","sentiment_score":-0.19750853734357016},{"text":"Like, we have a ten year plan now, but other than that, no.","start":253.67,"end":257.13,"sentiment":"neutral","sentiment_score":-0.037286562128708914},{"text":"We, yeah, so we've got do wanna travel, obviously, whenever we can, I'll be but the the paying off the the last of the car car will be good.","start":258.47,"end":271.445,"sentiment":"neutral","sentiment_score":0.11177897305581076}],"sentiment":"neutral","sentiment_score":0.03025247149456006,"num_words":52,"start":231.895,"end":271.445},{"sentences":[{"text":"Nearly nearly paid off now.","start":272.065,"end":274.005,"sentiment":"neutral","sentiment_score":0.2761520713567734},{"text":"And then we'll loan both cars outright on the vehicle.","start":275.48,"end":289.90002,"sentiment":"neutral","sentiment_score":0.308493887539953},{"text":"I think it's 12,000, 13,000, thereabouts.","start":290.825,"end":296.045,"sentiment":"neutral","sentiment_score":0.017283994083603222},{"text":"Yeah.","start":300.02502,"end":300.345,"sentiment":"neutral","sentiment_score":0.2943500280380249},{"text":"We we smashed a heap of it.","start":300.345,"end":302.125,"sentiment":"positive","sentiment_score":0.3648698500224522}],"sentiment":"neutral","sentiment_score":0.25578766120276575,"num_words":29,"start":272.065,"end":302.125},{"sentences":[{"text":"Yep.","start":303.36,"end":303.86,"sentiment":"neutral","sentiment_score":0.31237977743148804},{"text":"Yep.","start":311.34747,"end":311.84747,"sentiment":"neutral","sentiment_score":-0.009078833274543284},{"text":"Yeah.","start":319.57498,"end":319.815,"sentiment":"neutral","sentiment_score":0.009497090242803097},{"text":"It turns about right.","start":319.815,"end":321.115,"sentiment":"neutral","sentiment_score":0.007746329763904214},{"text":"No.","start":325.895,"end":326.215,"sentiment":"neutral","sentiment_score":-0.0945277065038681}],"sentiment":"neutral","sentiment_score":0.031156955868937075,"num_words":8,"start":303.36,"end":326.215},{"sentences":[{"text":"That's gone up slightly.","start":326.215,"end":327.595,"sentiment":"neutral","sentiment_score":-0.13865387812256813},{"text":"We had to we had a few things break in the house, unfortunately.","start":328.055,"end":331.435,"sentiment":"neutral","sentiment_score":-0.08893322371519528},{"text":"So we had to fix a few things.","start":332.13498,"end":333.735,"sentiment":"neutral","sentiment_score":-0.16910209972411394},{"text":"So that's gone to be back to $6.95 now.","start":333.735,"end":340.92,"sentiment":"neutral","sentiment_score":-0.13037537948952782},{"text":"Yeah.","start":344.82,"end":345.32,"sentiment":"neutral","sentiment_score":-0.03913676738739014}],"sentiment":"neutral","sentiment_score":-0.12217369718211038,"num_words":35,"start":326.215,"end":345.32},{"sentences":[{"text":"It was $7.30, but it's come back down again.","start":345.38,"end":347.835,"sentiment":"neutral","sentiment_score":-0.08666517088810603},{"text":"Yep.","start":355.035,"end":355.535,"sentiment":"neutral","sentiment_score":0.09002137184143066},{"text":"Yep.","start":355.675,"end":356.175,"sentiment":"neutral","sentiment_score":0.1798587441444397},{"text":"Yeah.","start":372.26,"end":372.58002,"sentiment":"neutral","sentiment_score":0.030344100669026375},{"text":"Most of it is going into savings because we're going we're planning a couple of holidays.","start":372.58002,"end":377.645,"sentiment":"neutral","sentiment_score":0.03716370603069663}],"sentiment":"neutral","sentiment_score":0.0041020348268960205,"num_words":28,"start":345.38,"end":377.645},{"sentences":[{"text":"But a short weekend holiday away coming up, and then we've got my wife's fortieth.","start":377.785,"end":383.885,"sentiment":"neutral","sentiment_score":-0.000909722022091349},{"text":"So we're putting it all into our savings this time.","start":384.025,"end":387.165,"sentiment":"neutral","sentiment_score":0.15907083600759506},{"text":"I don't know.","start":388.26498,"end":389.065,"sentiment":"neutral","sentiment_score":0.039835114032030106},{"text":"Save some money for that.","start":389.065,"end":390.445,"sentiment":"neutral","sentiment_score":0.1691647544503212},{"text":"Yeah.","start":397.49,"end":397.99,"sentiment":"neutral","sentiment_score":0.02145400643348694}],"sentiment":"neutral","sentiment_score":0.07540722501546364,"num_words":34,"start":377.785,"end":397.99},{"sentences":[{"text":"I think that I think no.","start":398.37,"end":406.01498,"sentiment":"neutral","sentiment_score":-0.037208723525206246},{"text":"We just paid for all the flights and stuff.","start":406.01498,"end":407.935,"sentiment":"neutral","sentiment_score":-0.0014376677572727203},{"text":"So it's probably only about $3 in there now.","start":407.935,"end":411.07498,"sentiment":"neutral","sentiment_score":0.03907591890957621},{"text":"So we just paid for all the flights.","start":411.775,"end":413.315,"sentiment":"neutral","sentiment_score":0.22721584513783455},{"text":"So yeah.","start":413.375,"end":419.775,"sentiment":"positive","sentiment_score":0.3337074816226959}],"sentiment":"neutral","sentiment_score":0.07648922481081065,"num_words":34,"start":398.37,"end":419.775},{"sentences":[{"text":"Oh, well, and and the accommodation and everything else is all paid.","start":419.775,"end":422.51,"sentiment":"neutral","sentiment_score":0.20817557101448378},{"text":"It's just what we wanna do for food.","start":422.51,"end":425.25,"sentiment":"neutral","sentiment_score":0.22266515344381332},{"text":"Why were they?","start":426.67,"end":427.57,"sentiment":"neutral","sentiment_score":0.02060952844719092},{"text":"Not for the fortieth.","start":431.79,"end":432.67,"sentiment":"neutral","sentiment_score":-0.04821263998746872},{"text":"Well, we want to.","start":432.67,"end":433.55,"sentiment":"neutral","sentiment_score":0.012328725075349212}],"sentiment":"neutral","sentiment_score":0.13541035501346474,"num_words":31,"start":419.775,"end":433.55},{"sentences":[{"text":"We haven't worked on that yet, but we're doing a little short wedding anniversary going away for that in a couple of weeks.","start":433.55,"end":441.965,"sentiment":"neutral","sentiment_score":0.00936487883977268},{"text":"So we're just going to Japan for a few days.","start":441.965,"end":443.98502,"sentiment":"neutral","sentiment_score":0.043241608142852786},{"text":"Yeah.","start":446.605,"end":447.105,"sentiment":"neutral","sentiment_score":0.053016990423202515},{"text":"Just a quick little spirit holiday.","start":447.25998,"end":455.94,"sentiment":"neutral","sentiment_score":0.05331800691783428},{"text":"We're going into actually just 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go.","start":470.72498,"end":473.38498,"sentiment":"neutral","sentiment_score":0.1505539289542607}],"sentiment":"neutral","sentiment_score":0.10189428038306926,"num_words":38,"start":459.9,"end":473.38498},{"sentences":[{"text":"Yeah.","start":486.37,"end":486.85,"sentiment":"neutral","sentiment_score":0.08053431659936905},{"text":"Yeah.","start":486.85,"end":487.09,"sentiment":"neutral","sentiment_score":0.0556437186896801},{"text":"Well, that's what we were we would like to do one day.","start":487.09,"end":490.725,"sentiment":"neutral","sentiment_score":0.036986536967257656},{"text":"But, yeah, you know, obviously, cash flow doesn't always work that great.","start":490.725,"end":495.625,"sentiment":"neutral","sentiment_score":-0.02744386422758301},{"text":"Oh, I just yeah.","start":500.085,"end":501.145,"sentiment":"neutral","sentiment_score":-0.11243130080401897}],"sentiment":"neutral","sentiment_score":-0.006634503168364366,"num_words":30,"start":486.37,"end":501.145},{"sentences":[{"text":"Yeah.","start":503.365,"end":503.865,"sentiment":"neutral","sentiment_score":0.016581278294324875},{"text":"Yep.","start":504.3,"end":504.8,"sentiment":"neutral","sentiment_score":0.049014583230018616},{"text":"Yep.","start":511.34,"end":511.84,"sentiment":"neutral","sentiment_score":0.07495304197072983},{"text":"Hang on.","start":532.875,"end":533.855,"sentiment":"neutral","sentiment_score":0.02690584771335125},{"text":"It sent me page, like, 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it'll come back up eventually.","start":922.09503,"end":923.79504,"sentiment":"neutral","sentiment_score":-0.001837680116295815},{"text":"Just leave it.","start":924.015,"end":924.575,"sentiment":"neutral","sentiment_score":-0.038198488454023995},{"text":"We don't need it right now anyway.","start":924.575,"end":926.35504,"sentiment":"neutral","sentiment_score":-0.08368522035224098}],"sentiment":"neutral","sentiment_score":0.020241929537483622,"num_words":35,"start":918.895,"end":926.35504},{"sentences":[{"text":"Yeah.","start":935.29,"end":935.79,"sentiment":"neutral","sentiment_score":-0.0615481436252594},{"text":"Yeah.","start":940.73,"end":941.145,"sentiment":"neutral","sentiment_score":-0.16733881831169128},{"text":"Yeah.","start":941.465,"end":941.625,"sentiment":"neutral","sentiment_score":-0.05734272301197052},{"text":"That that would be the I would be very conservative once I get to that age, I 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fine.","start":1310.57,"end":1311.3899,"sentiment":"neutral","sentiment_score":0.24948221445083618},{"text":"Yep.","start":1324.9349,"end":1325.015,"sentiment":"neutral","sentiment_score":0.07456287741661072},{"text":"Yeah.","start":1325.015,"end":1325.175,"sentiment":"neutral","sentiment_score":0.05635857582092285}],"sentiment":"neutral","sentiment_score":0.1347324289381504,"num_words":6,"start":1283.61,"end":1325.175},{"sentences":[{"text":"No.","start":1325.175,"end":1325.415,"sentiment":"neutral","sentiment_score":-0.018422119319438934},{"text":"We could do one in December.","start":1325.415,"end":1326.695,"sentiment":"neutral","sentiment_score":0.03757464947799841},{"text":"That wouldn't be a problem.","start":1326.695,"end":1327.7599,"sentiment":"neutral","sentiment_score":0.1015038661658764},{"text":"It'd have to be near the beginning because I'm we if we do go overseas, we're going overseas by November 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understand the rest of it.","start":1405.97,"end":1408.4501,"sentiment":"neutral","sentiment_score":-0.08968642726540565}],"sentiment":"neutral","sentiment_score":0.021211694894979396,"num_words":30,"start":1393.3151,"end":1408.4501},{"sentences":[{"text":"So I'm not I looked at all that, you know, e e what do you call it?","start":1408.4501,"end":1412.85,"sentiment":"neutral","sentiment_score":-0.047146233346532375},{"text":"Bitcoin, all those sort of things, but I don't understand how it works.","start":1412.85,"end":1415.41,"sentiment":"neutral","sentiment_score":-0.12241210272678962},{"text":"So I'm like, I'm not gonna put money in if I don't get it.","start":1415.41,"end":1418.0701,"sentiment":"neutral","sentiment_score":-0.150322361184018},{"text":"I'll end up losing it.","start":1419.255,"end":1420.635,"sentiment":"neutral","sentiment_score":-0.14831550121307374},{"text":"Oh, really?","start":1427.0951,"end":1427.735,"sentiment":"neutral","sentiment_score":0.036154091358184814}],"sentiment":"neutral","sentiment_score":-0.1013063859267562,"num_words":51,"start":1408.4501,"end":1427.735},{"sentences":[{"text":"Okay.","start":1427.735,"end":1428.235,"sentiment":"neutral","sentiment_score":0.05627117678523064},{"text":"Oh, well.","start":1449.1399,"end":1449.675,"sentiment":"neutral","sentiment_score":0.11500208079814911},{"text":"Well, that might be actually something to look into.","start":1450.555,"end":1452.5751,"sentiment":"neutral","sentiment_score":0.07984610812531577},{"text":"Because, yeah, I I just used the a platform, what do you call one of the app platforms on my phone at the moment.","start":1453.915,"end":1460.895,"sentiment":"neutral","sentiment_score":0.11836536073436339},{"text":"The only one that I found that had decent 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best.","start":1924.6101,"end":1926.0901,"sentiment":"neutral","sentiment_score":-0.06948531717061997},{"text":"Get the right way around.","start":1926.0901,"end":1927.245,"sentiment":"neutral","sentiment_score":0.05902743563055992},{"text":"Yeah.","start":1947.79,"end":1948.03,"sentiment":"neutral","sentiment_score":0.10921558737754822},{"text":"The only thing I've really got going on at the moment other than that, other things I've already spoken about, it's just paying off a new tax debt because my last company I worked for stuffed it all up.","start":1948.03,"end":1958.275,"sentiment":"neutral","sentiment_score":-0.05267041792663244},{"text":"They left me with a nice it was a $12.5 bill.","start":1959.695,"end":1964.195,"sentiment":"neutral","sentiment_score":-0.1709951494227756}],"sentiment":"neutral","sentiment_score":-0.06357650431331063,"num_words":61,"start":1924.6101,"end":1964.195},{"sentences":[{"text":"That wasn't very 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moment.","start":2038.965,"end":2040.8251,"sentiment":"neutral","sentiment_score":-0.009279007732402533}],"sentiment":"neutral","sentiment_score":0.04893099152129786,"num_words":29,"start":2005.17,"end":2040.8251},{"sentences":[{"text":"Yeah.","start":2041.365,"end":2041.605,"sentiment":"neutral","sentiment_score":0.02840414270758629},{"text":"Just because we gotta try to get a few things sorted.","start":2041.605,"end":2043.785,"sentiment":"neutral","sentiment_score":0.022689553824338047},{"text":"Maybe in December, we could look at it.","start":2043.845,"end":2045.865,"sentiment":"neutral","sentiment_score":0.007618016796186566},{"text":"But, yeah, at the moment, definitely not.","start":2046.725,"end":2048.825,"sentiment":"neutral","sentiment_score":-0.1273187164749418},{"text":"Yeah.","start":2050.485,"end":2050.985,"sentiment":"neutral","sentiment_score":0.03703836351633072}],"sentiment":"neutral","sentiment_score":-0.018402117237980877,"num_words":28,"start":2041.365,"end":2050.985},{"sentences":[{"text":"Yeah.","start":2055.87,"end":2056.37,"sentiment":"neutral","sentiment_score":-0.06248239800333977},{"text":"And I think it was actually because they did my salary sacrificing.","start":2056.59,"end":2059.55,"sentiment":"neutral","sentiment_score":-0.2167505044490099},{"text":"They screwed it all up because I ended up getting double taxed on everything.","start":2059.55,"end":2064.37,"sentiment":"negative","sentiment_score":-0.39982334098645617},{"text":"So I wasn't very impressed because they put me into a thing saying I was not earning that much and then changed it.","start":2065.6301,"end":2073.875,"sentiment":"negative","sentiment_score":-0.4456403074057206},{"text":"Something else.","start":2073.875,"end":2074.4348,"sentiment":"neutral","sentiment_score":-0.29938988387584686}],"sentiment":"negative","sentiment_score":-0.36749080890932906,"num_words":52,"start":2055.87,"end":2074.4348},{"sentences":[{"text":"I was had a big massive argument with the ATO about it.","start":2074.4348,"end":2077.2349,"sentiment":"negative","sentiment_score":-0.36268386741479236},{"text":"But I was like, well, this is what they did.","start":2077.2349,"end":2080.675,"sentiment":"neutral","sentiment_score":-0.31304836124181745},{"text":"This what you owe.","start":2080.675,"end":2081.71,"sentiment":"negative","sentiment_score":-0.33542926609516144},{"text":"This is what you should have paid.","start":2081.71,"end":2082.99,"sentiment":"neutral","sentiment_score":-0.3282445967197418},{"text":"I'm like, right.","start":2082.99,"end":2084.05,"sentiment":"neutral","sentiment_score":-0.2449601689974467}],"sentiment":"neutral","sentiment_score":-0.32936110471685726,"num_words":36,"start":2074.4348,"end":2084.05},{"sentences":[{"text":"He's like, it's all on the graph.","start":2085.55,"end":2086.99,"sentiment":"neutral","sentiment_score":-0.17837593810898916},{"text":"So I'm like, yeah, I can see it.","start":2086.99,"end":2088.51,"sentiment":"neutral","sentiment_score":-0.09125228272750974},{"text":"It's all black and white.","start":2088.51,"end":2089.71,"sentiment":"neutral","sentiment_score":-0.02036440707743168},{"text":"It's obvious.","start":2089.71,"end":2090.37,"sentiment":"neutral","sentiment_score":0.23028069734573364},{"text":"Alright.","start":2094.025,"end":2094.265,"sentiment":"neutral","sentiment_score":-0.015039879828691484}],"sentiment":"neutral","sentiment_score":-0.0710847977872776,"num_words":23,"start":2085.55,"end":2094.265},{"sentences":[{"text":"Nothing I can do about it.","start":2094.265,"end":2095.225,"sentiment":"neutral","sentiment_score":-0.2977367987235387},{"text":"So it's just live and learn.","start":2095.225,"end":2096.825,"sentiment":"neutral","sentiment_score":-0.22307173162698746},{"text":"Don't trust them at their offices.","start":2096.825,"end":2099.725,"sentiment":"negative","sentiment_score":-0.48488467931747437},{"text":"Because sometimes they don't actually put it incorrectly.","start":2100.105,"end":2103.725,"sentiment":"neutral","sentiment_score":-0.2986743859946728},{"text":"Yep.","start":2120.15,"end":2120.65,"sentiment":"neutral","sentiment_score":-0.090403251349926}],"sentiment":"neutral","sentiment_score":-0.31533176286353004,"num_words":27,"start":2094.265,"end":2120.65},{"sentences":[{"text":"Yep.","start":2132.7651,"end":2133.2651,"sentiment":"neutral","sentiment_score":-0.00855245627462864},{"text":"Pretty much exactly what sort of not not those sort of numbers, which I would love it to be, but, you know, but, yeah, similar scenario, but they did it with a vehicle allowance that they were giving me.","start":2133.485,"end":2148.08,"sentiment":"neutral","sentiment_score":-0.023426745134668473},{"text":"They were supposed to take tax out of it, but they weren't.","start":2148.54,"end":2151.645,"sentiment":"neutral","sentiment_score":-0.08050935249775648},{"text":"They were just giving me a full vehicle allowance amount of money every week.","start":2151.645,"end":2155.725,"sentiment":"neutral","sentiment_score":-0.006653899859104838},{"text":"They were every pay.","start":2155.725,"end":2156.945,"sentiment":"neutral","sentiment_score":-0.014174592215567827}],"sentiment":"neutral","sentiment_score":-0.029116581619850226,"num_words":70,"start":2132.7651,"end":2156.945},{"sentences":[{"text":"And, yeah, they didn't have put any tax on it.","start":2157.325,"end":2161.0051,"sentiment":"neutral","sentiment_score":-0.07313970737159252},{"text":"So I'm getting a huge amount of money, and then I was gonna, oh, shit.","start":2161.0051,"end":2163.69,"sentiment":"neutral","sentiment_score":-0.18724094380935033},{"text":"By the way, you've gotta pay all of this now.","start":2163.69,"end":2165.71,"sentiment":"neutral","sentiment_score":-0.07010041922330856},{"text":"You didn't pay anything.","start":2165.77,"end":2166.91,"sentiment":"neutral","sentiment_score":-0.07750908238813281},{"text":"And then I got interest on top of it.","start":2167.53,"end":2169.55,"sentiment":"neutral","sentiment_score":-0.04722457999984423}],"sentiment":"neutral","sentiment_score":-0.10366818693000823,"num_words":48,"start":2157.325,"end":2169.55},{"sentences":[{"text":"Yeah.","start":2170.09,"end":2170.41,"sentiment":"neutral","sentiment_score":-0.06877711415290833},{"text":"I got hit with that one, and there was some other I forgot what it's called.","start":2170.41,"end":2174.51,"sentiment":"neutral","sentiment_score":-0.16056067124009132},{"text":"There's two of them.","start":2174.73,"end":2175.79,"sentiment":"neutral","sentiment_score":-0.10304209403693676},{"text":"And then I got fines as well for doing it.","start":2175.93,"end":2180.2048,"sentiment":"neutral","sentiment_score":-0.19130097553133965},{"text":"And I'm like, well, I didn't actually do it.","start":2180.2048,"end":2182.045,"sentiment":"neutral","sentiment_score":-0.22895162304242453}],"sentiment":"neutral","sentiment_score":-0.17558726482093334,"num_words":40,"start":2170.09,"end":2182.045},{"sentences":[{"text":"Technically, they should get the fine, not me.","start":2182.045,"end":2184.125,"sentiment":"neutral","sentiment_score":-0.15563674084842205},{"text":"But anyway yeah.","start":2184.125,"end":2188.765,"sentiment":"neutral","sentiment_score":-0.09610073516766231},{"text":"Yeah.","start":2188.765,"end":2189.005,"sentiment":"neutral","sentiment_score":-0.03734702616930008},{"text":"That's it.","start":2189.005,"end":2189.665,"sentiment":"neutral","sentiment_score":-0.045340484008193016},{"text":"That's that's it.","start":2189.7249,"end":2190.63,"sentiment":"neutral","sentiment_score":-0.08954332520564397}],"sentiment":"neutral","sentiment_score":-0.1135325942407636,"num_words":17,"start":2182.045,"end":2190.63},{"sentences":[{"text":"It is what it is.","start":2192.63,"end":2193.75,"sentiment":"negative","sentiment_score":-0.47581506371498106},{"text":"I thought I I thought I actually did think I stuffed it all up and I was like, oh.","start":2193.75,"end":2197.21,"sentiment":"neutral","sentiment_score":-0.3240637802763989},{"text":"But I actually didn't do any other than sign the form to say yes.","start":2197.2698,"end":2200.3098,"sentiment":"neutral","sentiment_score":-0.18747275163020408},{"text":"I will accept the payment.","start":2200.3098,"end":2201.8499,"sentiment":"neutral","sentiment_score":-0.03623930439352989},{"text":"Yep.","start":2206.145,"end":2206.645,"sentiment":"neutral","sentiment_score":0.134943887591362}],"sentiment":"neutral","sentiment_score":-0.2547081432051279,"num_words":44,"start":2192.63,"end":2206.645},{"sentences":[{"text":"It is what it is.","start":2208.705,"end":2209.845,"sentiment":"neutral","sentiment_score":0.16234728693962097},{"text":"No.","start":2214.5452,"end":2214.865,"sentiment":"neutral","sentiment_score":-0.049771495163440704},{"text":"That's good.","start":2214.865,"end":2215.605,"sentiment":"neutral","sentiment_score":0.21463674306869507},{"text":"For now.","start":2215.76,"end":2216.5,"sentiment":"neutral","sentiment_score":0.2337677851319313},{"text":"It's all sound it's all sounding pretty good at the moment.","start":2216.64,"end":2219.2,"sentiment":"positive","sentiment_score":0.3858975984833457}],"sentiment":"neutral","sentiment_score":0.2811260752025105,"num_words":21,"start":2208.705,"end":2219.2},{"sentences":[{"text":"So we'll keep moving along and, yeah, catch up later in the year.","start":2219.2,"end":2224.9,"sentiment":"positive","sentiment_score":0.36005131327188933},{"text":"Yeah.","start":2237.915,"end":2238.235,"sentiment":"neutral","sentiment_score":0.25695326924324036},{"text":"Will do, man.","start":2238.235,"end":2238.795,"sentiment":"positive","sentiment_score":0.4688279430071513},{"text":"Thank you very much for your time.","start":2238.795,"end":2240.2551,"sentiment":"positive","sentiment_score":0.8307676996503558},{"text":"Yeah.","start":2250.11,"end":2250.35,"sentiment":"neutral","sentiment_score":0.27285242080688477}],"sentiment":"positive","sentiment_score":0.4972932195663452,"num_words":25,"start":2219.2,"end":2250.35},{"sentences":[{"text":"No dramas at all.","start":2250.35,"end":2251.23,"sentiment":"neutral","sentiment_score":0.22720910795032978},{"text":"Thanks for that.","start":2251.23,"end":2252.1301,"sentiment":"positive","sentiment_score":0.7638946970303854},{"text":"You too, mate.","start":2254.03,"end":2254.83,"sentiment":"positive","sentiment_score":0.5975988705952963},{"text":"Bye.","start":2254.83,"end":2255.33,"sentiment":"neutral","sentiment_score":0.28448209166526794}],"sentiment":"positive","sentiment_score":0.4797999296676029,"num_words":11,"start":2250.35,"end":2255.33}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Philip speaking.\n\nChannel 0: Good morning, Phil. It's Tommy here from Oakview, mate. How\n\nChannel 1: Okay.\n\nChannel 0: are you doing?\n\nChannel 1: Tom. Yeah. Good, mate. Good. Is it Tommy\n\nChannel 0: Tommy.\n\nChannel 1: or Tom? Tommy, x.\n\nChannel 0: I've got that pack to send through to you for the review. Have we got\n\nChannel 1: Yep.\n\nChannel 0: a a bit of time now?\n\nChannel 1: I do now. Yep.\n\nChannel 0: Fantastic. Just the same as yesterday, I was just wondering if I could check security with you and grab your client password with us.\n\nChannel 1: Yep. Uh-huh. That's\n\nChannel 0: Sensational, mate. And just like yesterday, the calls are recorded for training and quality purposes.\n\nChannel 1: Haley. Yep.\n\nChannel 0: So I've got that coming through to your Gmail address. Will you better look on to that one today?\n\nChannel 1: Yeah. Just loading my email account now. Thinking\n\nChannel 0: No\n\nChannel 1: if it\n\nChannel 0: worries.\n\nChannel 1: when we\n\nChannel 0: With\n\nChannel 1: take\n\nChannel 0: the\n\nChannel 1: a little little bit to wake up.\n\nChannel 0: no worries. The with the new Odoo system, it should come through to the main inbox pretty well instantly. If it is the first time you've used it, it might be in the spam folder.\n\nChannel 1: There we go.\n\nChannel 0: Cool. Just while you're grabbing that one open, I was gonna just update a few details with you and then just\n\nChannel 1: Mhmm.\n\nChannel 0: dive into the attachments together and see if I need to change any of the strategies.\n\nChannel 1: Yep. Yep.\n\nChannel 0: The the sort of main thing I wanted to double check with you is there was a few different employers putting in contributions the last twelve months, and\n\nChannel 1: Yep.\n\nChannel 0: I think the most recent one would be RACQ.\n\nChannel 1: Yeah. Correct.\n\nChannel 0: Awesome. So just with the the occupation and income, are you doing a similar role in terms of the value assessing for disaster relief?\n\nChannel 1: No. Not anymore. That that contract finished.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. That's done. They don't do it anymore.\n\nChannel 0: Oh, fair enough. What what are you doing now with our ACQ?\n\nChannel 1: So now at RCQ, I'm actually a what's called a business initiative specialist.\n\nChannel 0: Okay.\n\nChannel 1: And so what I'm actually doing, I'm working with communications and comms going out to our everything under mobility, our frontline teams.\n\nChannel 0: K.\n\nChannel 1: So, yeah, it's about 900 odd people that I've gotta send stuff out to.\n\nChannel 0: Yeah. Right. Business initiative specialist. And do\n\nChannel 1: Yep.\n\nChannel 0: you have a a bit of a new salary now for this financial year? Or\n\nChannel 1: Yeah. Yeah. It's actually come down a little bit. So 100 and it's a 108 either a 115 or a 118, but that includes\n\nChannel 0: Yep.\n\nChannel 1: super. So I'm not sure exactly\n\nChannel 0: Perfect.\n\nChannel 1: on the breakdown.\n\nChannel 0: Alrighty. I'll go a bit conservative with it and pop the 115 in. That\n\nChannel 1: Yep.\n\nChannel 0: way we're not going overboard with it.\n\nChannel 1: Yep. Yep.\n\nChannel 0: And a couple of questions from last fact fine, but we also got a couple of new ones as well, is just in terms of estate planning, did you end up putting a will in place?\n\nChannel 1: No. I haven't got around to that yet. I should\n\nChannel 0: That's\n\nChannel 1: have done\n\nChannel 0: alright.\n\nChannel 1: that, but,\n\nChannel 0: It's\n\nChannel 1: no, I\n\nChannel 0: just\n\nChannel 1: haven't\n\nChannel 0: the\n\nChannel 1: done it.\n\nChannel 0: yearly reminder from us. That's okay. And for insolvency, this one's a bit strange, but have you ever gone through a bankruptcy or a part nine debt agreement before?\n\nChannel 1: No. I haven't.\n\nChannel 0: Perfect. Perfect. Alrighty. And the last couple of things, so just in terms of family, we have Natasha and the two children, and they\n\nChannel 1: Yep.\n\nChannel 0: are split as your beneficiaries for the super. So you've got it split\n\nChannel 1: Yeah.\n\nChannel 0: three\n\nChannel 1: Correct.\n\nChannel 0: ways.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Any changes you wanna make there? Happy to leave that one as\n\nChannel 1: Not as if that is it. Yeah. My changes.\n\nChannel 0: is. Perfect. And then for assets and liabilities, so one of your main priorities in terms of previous goals that I can see is the car loan followed by the mortgage and a little bit of travel. Would you say that's still, I guess, the cash flow priority for the next few years?\n\nChannel 1: Yeah. Nothing's really changed in that area yet. Like, we have a ten year plan now, but other than that, no. We, yeah, so we've got do wanna travel, obviously,\n\nChannel 0: Yep.\n\nChannel 1: whenever we can, I'll be but the the paying off the the last of the car car will be good.\n\nChannel 0: Mhmm.\n\nChannel 1: Nearly nearly paid off now. And then we'll loan both cars outright\n\nChannel 0: Fantastic. I'm just gonna grab up a bit of an updated online evaluation for the home. Do you know off the top of your head how much is left on the vehicle?\n\nChannel 1: on the vehicle. I think it's 12,000, 13,000, thereabouts.\n\nChannel 0: Yeah. Wow. Almost done. Absolutely.\n\nChannel 1: Yeah. We we smashed a heap of it.\n\nChannel 0: And that's good\n\nChannel 1: Yep.\n\nChannel 0: to do. You don't wanna have consumer debt hanging around for too long. It is one of the biggest sinkholes.\n\nChannel 1: Yep.\n\nChannel 0: With the property, interesting for your area, they're saying it's jumped all the way up to possibly 1.7 at the moment.\n\nChannel 1: Yeah. It turns about right.\n\nChannel 0: Okay. And mortgage, we had six\n\nChannel 1: No. That's gone up slightly. We had to we had a few things break in the house,\n\nChannel 0: 50. Oh.\n\nChannel 1: unfortunately.\n\nChannel 0: Oh,\n\nChannel 1: So we\n\nChannel 0: no.\n\nChannel 1: had to fix a few things. So that's gone to be back to $6.95 now.\n\nChannel 0: $6.95. Sensational.\n\nChannel 1: Yeah. It was $7.30, but it's come back down again.\n\nChannel 0: Yep. Awesome. And outside of that, we just had the other vehicle and a boat.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Perfect. And just in terms of cash flow with the new role and everything, do you guys have, like, a a set amount that you're able to put into savings at the moment, or are you just kind of pumping it all into the loans? What's the the cash flow like?\n\nChannel 1: Yeah. Most of it is going into savings because we're going we're planning a couple of holidays. But a short weekend holiday away coming up, and then we've got my wife's fortieth. So we're putting it all into our savings this time. I don't know.\n\nSave some money for that.\n\nChannel 0: Fantastic. And I just note down just a bit of a rough estimate in terms of cash savings at the moment?\n\nChannel 1: Yeah. I think that I think no. We just paid for all the flights and stuff. So it's probably only about $3 in there now.\n\nChannel 0: Yep.\n\nChannel 1: So we just paid for all the flights. So\n\nChannel 0: Perfect. I'll just say holiday flights are paid for, which is good. There's a spending\n\nChannel 1: yeah.\n\nChannel 0: money\n\nChannel 1: Oh,\n\nChannel 0: to\n\nChannel 1: well,\n\nChannel 0: build\n\nChannel 1: and\n\nChannel 0: up\n\nChannel 1: and\n\nChannel 0: in\n\nChannel 1: the\n\nChannel 0: between.\n\nChannel 1: accommodation and everything else is all paid. It's just what we wanna do for food.\n\nChannel 0: Oh, amazing.\n\nChannel 1: Why were\n\nChannel 0: And\n\nChannel 1: they?\n\nChannel 0: are you going overseas for the fortieth? Or\n\nChannel 1: Not for the fortieth. Well, we want to. We haven't worked on that yet, but we're doing a little short wedding anniversary going away for that in a couple of weeks. So we're just going to Japan for a few days.\n\nChannel 0: Oh,\n\nChannel 1: Yeah. Just a quick\n\nChannel 0: cool. Before\n\nChannel 1: little\n\nChannel 0: I swing into the the policy and the the\n\nChannel 1: spirit\n\nChannel 0: super there, are you going up north,\n\nChannel 1: holiday.\n\nChannel 0: central, or south?\n\nChannel 1: We're going into actually just Tokyo. We've never been there, so we're just going to Tokyo City this time. Just yeah. Because it's literally just a few days. So\n\nChannel 0: Awesome. I\n\nChannel 1: yeah.\n\nChannel 0: did\n\nChannel 1: Never\n\nChannel 0: a bit of\n\nChannel 1: been,\n\nChannel 0: a\n\nChannel 1: so I thought I would have a have a have a go.\n\nChannel 0: yeah. I went last year. That was my first overseas trip was to Japan and Tokyo, and it was just the the most incredible experience. If I could, I'd go back every year. It's just that\n\nChannel 1: Yeah. Yeah. Well, that's what we were we would like to do one day. But, yeah, you know, obviously, cash flow doesn't always\n\nChannel 0: that\n\nChannel 1: work\n\nChannel 0: easy.\n\nChannel 1: that great.\n\nChannel 0: Yeah. And sometimes there's wars and the economy explodes and the cost of living\n\nChannel 1: Oh, I just\n\nChannel 0: goes up and\n\nChannel 1: yeah.\n\nChannel 0: down and fuel crises. A few things pop up.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Awesome. Just before I dive into the super there, if you've got that email open,\n\nChannel 1: Yep.\n\nChannel 0: when you hit the purple button, the first document that should show up to review, it'll let you kind of go through all six documents with me just to have a bit of a scroll. You should see a super and insurance summary. It's got, like, an Oakview financial letterhead is the first first document when you hit that sign button.\n\nChannel 1: Hang on. It sent me page, like, 13. Alright. Yep. I'm back on page one now.\n\nChannel 0: Cool. Just in terms of so we got the hub and the MetLife. I wanted to double check with you for the life and disability insurance. So my analysis of that is obviously it kind of clears out the mortgage for you guys, which is a priority. And then\n\nChannel 1: Yep.\n\nChannel 0: with that million left over, you kinda get that eight years worth of of net income replacement. So all up,\n\nChannel 1: Mhmm.\n\nChannel 0: that would be income protection. It's a little over $2 at the moment. The 15% rebate drops at just under $2. Not too concerned in terms of pricing on my end compared to the market, but just wanted to see, you know, does that life or TPD insurance feel too much, too little? Does that sound comfortable in those scenarios of, you know, death and disability?\n\nChannel 1: At at this point in time, I think it does. I think it's we did talk about it quite in-depth last the first time we did it. I'm trying to work out what the actual amount should be. But, yeah, nothing's really changed for us in that regard. Thank god.\n\nChannel 0: Yeah. Needs haven't changed. A few other things have changed, but outside of that, still in the same priorities, I guess, as as last time.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Awesome. So with the, income protection, just as a quick heads up, so can you see there how it's got the monthly benefit amount of $7.05 $8.05 and a thirty day wait five year benefit. And it's just under the approximate benefit on that first page.\n\nChannel 1: I must have gone to the wrong oh, here we go. Sorry. I think I'm back in the wrong sorry. I'm not\n\nChannel 0: No worries\n\nChannel 1: oh, here\n\nChannel 0: at all.\n\nChannel 1: we go. Now it's the right one up.\n\nChannel 0: Perfect. Perfect. So if you're out of work for more than a month, it'll kick in a monthly payment for up to five years per injury and illness. Now\n\nChannel 1: Yep.\n\nChannel 0: because it's based on a percentage of income, they have a maximum of 70%. So because of indexation, they tend to slightly increase your benefit amount each year to try and keep up with inflation. So what's\n\nChannel 1: Mhmm.\n\nChannel 0: essentially happened is that they're protecting you currently for an income of a 130,000. Whereas if you're on a 115,000, what that basically means is if you went to claim on it, they may pay you a little bit less than what you're insured for.\n\nChannel 1: Oh, yeah. Yeah. Yeah. Cool. Yeah.\n\nI get that.\n\nChannel 0: So let's say it's 7,500 a month, but you're only protected for that 115,000. They may pay you 6,700 depending on your tax return and things like that. So the options are essentially we can either trim it back down a little bit or we can wait for your income to kind of bump up and then you're already insured for it without having to go through underwriting to increase it.\n\nChannel 1: Yeah. Well, I can't see\n\nChannel 0: Mhmm.\n\nChannel 1: my income changing in the next twelve months anyway. It is now it's gone\n\nChannel 0: Yep.\n\nChannel 1: back to, obviously, for salary now. So before, it used to fluctuate a bit, but now it's going back to salary. So yeah, it is more of a debt amount.\n\nChannel 0: So would it be appropriate to kind of do a bit of a trim, do you think, or would you wanna kind of hold on to it for a little while?\n\nChannel 1: Well, it could probably come down to the $1.20 mark, so it'd be closer, but it doesn't\n\nChannel 0: Yep.\n\nChannel 1: I don't think it would change the premium that much. I don't think, would it?\n\nChannel 0: No.\n\nChannel 1: Yeah.\n\nChannel 0: No. So looking at that, if I go 15,000 divided by the $1.30, at maximum, probably drop it by about nine or 10%.\n\nChannel 1: Yep. No. No. Not really worth it. Just in case that\n\nChannel 0: Cool.\n\nChannel 1: it does change, means we'd have\n\nChannel 0: Yep.\n\nChannel 1: to put all the effort in.\n\nChannel 0: Yeah. I mean, fingers crossed. Get a random promotion or something, and then it's already filled in because going through medical questions and applications again can always be a bit painful. But I just wanted to let you know that if something\n\nChannel 1: Yeah.\n\nChannel 0: happens, they would base it off, you know, for example, your last tax return\n\nChannel 1: Oh,\n\nChannel 0: and then\n\nChannel 1: yeah.\n\nChannel 0: percentage\n\nChannel 1: Yep. Yep.\n\nChannel 0: of\n\nChannel 1: That makes sense.\n\nChannel 0: that. Beautiful. And in terms of the super, that second document in there is a performance table. It's not the most user friendly performance table, but it's got a hub logo at the top. It's a blue table with all your\n\nChannel 1: Oh,\n\nChannel 0: investments\n\nChannel 1: yeah.\n\nChannel 0: listed.\n\nChannel 1: Yep.\n\nChannel 0: Can you see that one?\n\nChannel 1: Yep. I can.\n\nChannel 0: Cool. So my analysis yesterday for the account, essentially, is you're in a high growth portfolio. So we're trying to aim for that 90% or above of your money being in growth assets, like shares, property, and gold, and small portion in the defensive side of things if that rings a\n\nChannel 1: Yep. Yeah. That's\n\nChannel 0: bell.\n\nChannel 1: yep.\n\nChannel 0: Now in that profile, you're essentially aiming for an average benchmark return of about nine to 10%, and that includes the really, really good years where it jumps up ten, twenty, 30, and it includes the odd year where there's a financial crisis and a crash, and it may drop ten, twenty, 30% as well. So if you can kind of average out at the double digits over a decade, you're pretty well on track, if that makes sense.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Now\n\nChannel 1: No. I\n\nChannel 0: having\n\nChannel 1: understand\n\nChannel 0: a look\n\nChannel 1: that.\n\nChannel 0: at it so far, you've gone from a 112 to just shy of a 130. And in terms of percentages, you've just cleared nine percent after fees, including that drop that happened in March with the Iran war. So the stock market had\n\nChannel 1: Yes.\n\nChannel 0: a bit of a dive,\n\nChannel 1: I was gonna\n\nChannel 0: and it\n\nChannel 1: say\n\nChannel 0: yeah. So\n\nChannel 1: yeah.\n\nChannel 0: dove, bounced back,\n\nChannel 1: Yeah.\n\nChannel 0: which was lovely.\n\nChannel 1: I I noticed it in my other my personal stuff. I was like, damn it.\n\nChannel 0: I hope you're you're comfortable with the whole long term time frames when\n\nChannel 1: Oh,\n\nChannel 0: it comes\n\nChannel 1: yeah.\n\nChannel 0: to\n\nChannel 1: That\n\nChannel 0: investing.\n\nChannel 1: was fine. Like, I was like my wife was like, do we have to worry about it? I said, it'll come back up eventually. Just leave it. We don't need it right now anyway.\n\nChannel 0: Yeah. One of the strange conversations I have with people is, like, it always does come back up if you've got the time frame there. And\n\nChannel 1: Yeah.\n\nChannel 0: you don't wanna be 64 years old losing half your super year before you retire because that's a bit of\n\nChannel 1: Yeah.\n\nChannel 0: a nightmare scenario.\n\nChannel 1: Yeah. That that would be the I would be very conservative once I get to that age, I think.\n\nChannel 0: Exactly. And so my\n\nChannel 1: I've\n\nChannel 0: question\n\nChannel 1: got\n\nChannel 0: today is basically, are you okay to continue kind of growing it as much as we can? And then in those last seven to ten years, we can reduce the risk level down.\n\nChannel 1: yeah. That's pretty that's exactly what I was hoping to do. If it's, you know, give me the best chance while I've got the years ahead of me.\n\nChannel 0: Yeah. And you've just gotten to that point too where because you've hit 6 figures in the super, the returns that you're now getting are starting to eclipse the contributions that you're putting in. So, you know, when you've got your first $30 in super, it grows 10%, and you get $3 in there, but you're putting in that sort of 9 to 11.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Whereas I think you've cleared just over 12,000 in earnings at the moment even with that dip in between. So it's gonna start to kind of accelerate over the next decade where it's gonna become that $10.15, $20.30, 40,000 is what will happen compared to your contribution. So it'll kind of do the heavy lifting from here.\n\nChannel 1: Yeah. Well, that's good. Because, yeah, I remember we're like we're we're not doing it the first time. We're like, oh, we'll have to do a bit of a lot of lifting to begin with, but using your words, you know. But, yeah, it's it's good though when I looked at\n\nChannel 0: Yeah.\n\nChannel 1: it last\n\nChannel 0: And\n\nChannel 1: time.\n\nChannel 0: you've essentially got, what, twenty years just under until preservation age, and the age pension's not until age 67. So you've still got a good three market cycles of heavy growth to get, and then we can start reducing it down once you've built up that, you know, million dollars or whatever the figure is.\n\nChannel 1: Yep.\n\nChannel 0: You're at a point where at some point, we might talk about some salary sacrifice and extra contributions down the line. A few things we can do to catch you up after age 60 as well, a few different strategies. I guess I would say you're a little bit behind on balance for your age, but not too much, but you're catching up very quickly. So I'm not worried that that you're gonna be staying behind forever. You're gonna\n\nChannel 1: Yes.\n\nChannel 0: be at a point\n\nChannel 1: Yes.\n\nChannel 0: very, very soon where you catch up to where you should be. It's a lot better than the people who sit in that default balance option for their whole life, and they rock up into the office at 58 going, oh, I've got 250 in super, and I need a million. What can you do for me in five years? And it's like, not much.\n\nChannel 1: Yeah. Yeah. Sounds like my father-in-law.\n\nChannel 0: Yeah. I guess we're all at that point where we know someone\n\nChannel 1: Yeah.\n\nChannel 0: of that\n\nChannel 1: Yep.\n\nChannel 0: generation that either didn't get super for a while or didn't pay much attention to it, and\n\nChannel 1: Yeah.\n\nChannel 0: we're definitely\n\nChannel 1: He\n\nChannel 0: in\n\nChannel 1: only\n\nChannel 0: a\n\nChannel 1: got\n\nChannel 0: lot\n\nChannel 1: it\n\nChannel 0: better\n\nChannel 1: in, like,\n\nChannel 0: both.\n\nChannel 1: the last fifteen\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: years. Mhmm. Right. So\n\nChannel 0: Nineties onwards.\n\nChannel 1: he's very lucky that the house that they've got that they're about to sell is probably gonna give them the money that they're needing. But even so, it's not not it's still not gonna be enough, I don't think.\n\nChannel 0: Yep.\n\nChannel 1: They're\n\nChannel 0: Yeah.\n\nChannel 1: gonna\n\nChannel 0: Bit\n\nChannel 1: be\n\nChannel 0: of downsizing.\n\nChannel 1: very heavily on the pension.\n\nChannel 0: Yeah. Unfortunate. Absolutely. We do a lot of three generation advice lately where you've got grandparents trying to downsize to fund retirement. You've got their kids who are just getting established, and then you've got the grandkids who are trying to get into the market, and a lot of estate planning comes into it as well.\n\nOne thing I did wanna point out to you as well is in terms of those investment options on that first page, do you still have that document open?\n\nChannel 1: Yep.\n\nChannel 0: Yep. So left hand side has all the option codes and names on it, and the right hand side, the very last column has, like, a percentage return after fees. Don't know if\n\nChannel 1: Yep.\n\nChannel 0: you can make\n\nChannel 1: Yep.\n\nChannel 0: out those figures there.\n\nChannel 1: The return figures, you mean? The digits?\n\nChannel 0: Yeah. So where it says\n\nChannel 1: Yep.\n\nChannel 0: return net of IMF, I'm just looking in that\n\nChannel 1: Yep.\n\nChannel 0: column there. And what you can basically see is the top and bottom are in brackets, and everything in between there, it kind of builds up to the one in the middle, which is up just shy of 43%.\n\nChannel 1: Yeah. Yep. I understand. Yeah. I can see those.\n\nChannel 0: So that's your battery tech and lithium essentially electric vehicles. They've done very well alongside the gold and the cybersecurity. Again, everything with AI electric vehicles and so on and precious metals has been doing very well. The only ones of concern would be the top and bottom, which is your Ben Long Australian shares option, which has been kind of dragging its feet compared to the Aussie market, and the property ETF has gone down a little bit just given the recent changes to negative gearing and capital gains tax.\n\nChannel 1: Oh, you use that word. Yeah. Okay. That makes\n\nChannel 0: Yeah.\n\nChannel 1: sense.\n\nChannel 0: So\n\nChannel 1: Good on good on property. Sounds\n\nChannel 0: not good on property. It's one of the things where it's like it's been the most sensational investment for a century, and then a couple of government announcements make it have a bit of a shock. So\n\nChannel 1: bad. Right?\n\nChannel 0: that's probably one where long term, great. Next six months, probably not so much.\n\nChannel 1: Yeah.\n\nChannel 0: I am putting a bit of a flag on that top one. So the the Benelong option, like I said, it's it's kind of underperformed the Aussie market. Usually, that's a bit of a temporary thing, but if that doesn't kind of catch back up, let's say, by Christmas or by the time of your next review, I'm probably gonna have to look at maybe switching that one out.\n\nChannel 1: Yep. Yep.\n\nChannel 0: So what I might do, if you're comfortable with it, is I'm gonna put a flag on the account that next time we speak, I'll see how you went income wise and whether we do need to trim down the income protection and just engine tune up the portfolio a little bit, especially if it continues to drag its feet and your next return is below benchmark. I would probably look at a few replacements in there. Is that okay?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Cool. Do you want me to pencil in for a bit of a catch up before Christmas time to kind of jump onto this a bit earlier, or are you okay to just kind of see how it goes for the twelve months and then catch up for the annual review?\n\nChannel 1: Yep. Yeah. No. We could do one in December. That wouldn't be a problem.\n\nIt'd have to be near the beginning because I'm we if we do go overseas, we're going overseas by November 13. So yeah. It just has to be before then. Obviously, most people are not working after that anyway. They're all\n\nChannel 0: Yeah.\n\nChannel 1: on\n\nChannel 0: Correct.\n\nChannel 1: holiday mode.\n\nChannel 0: So what I might do is I'll I'll call it a bit of a three month catch up, a bit of a quarterly,\n\nChannel 1: Yep.\n\nChannel 0: and I'll get someone to touch base with you in November, book in for a bit of an updated chat. And then if we need to change both of those, I can kind of address that in a strategy update for you.\n\nChannel 1: Yep. Sounds good.\n\nChannel 0: Beautiful. Outside of that, I'm glad that your your soup is actually doing well because there's a lot of nightmares floating around at the moment. A lot of people in the negatives out there and crashing and\n\nChannel 1: No.\n\nChannel 0: all kinds of things. But,\n\nChannel 1: That doesn't sound good.\n\nChannel 0: yeah, there's a few fix ups to do and people walk in the door going, oh my god. It's melting. But it's good that you're on a nice steady ship even with a few shocks in between.\n\nChannel 1: Unfortunate. Yes. Yeah. There was a couple of good ones.\n\nChannel 0: Yeah. Absolutely. Just out of curiosity, if you're on personal investments, did you have some shares or ETFs or something?\n\nChannel 1: Yeah. I had a couple of shares and a couple ETFs. Nothing else really because I don't understand the rest of it. So\n\nChannel 0: Or\n\nChannel 1: I'm not\n\nChannel 0: yep.\n\nChannel 1: I looked at all that, you know, e e what do you call it? Bitcoin, all those sort of things, but I don't understand how it works. So I'm like, I'm not gonna put money in if I don't get it.\n\nChannel 0: Yeah.\n\nChannel 1: I'll end\n\nChannel 0: No.\n\nChannel 1: up\n\nChannel 0: That's\n\nChannel 1: losing\n\nChannel 0: fair.\n\nChannel 1: it.\n\nChannel 0: If at any point you would like any advice on personal investing, we do do that. Pretty\n\nChannel 1: Oh,\n\nChannel 0: similar\n\nChannel 1: really?\n\nChannel 0: to\n\nChannel 1: Okay.\n\nChannel 0: the good example I give is because you're with Hub twenty four, they also offer, like, personal investment accounts, which are identical to the super accounts. So you can essentially have, like, two accounts on the same login. Can have your personal money, your super money. You can have them alongside each other, all the same investment options as well.\n\nChannel 1: Oh, well. Well, that might be actually something to look into. Because, yeah, I I just used the a platform, what do you call one of the app platforms on my phone at the moment. The\n\nChannel 0: Yeah.\n\nChannel 1: only one\n\nChannel 0: Is it\n\nChannel 1: that I\n\nChannel 0: one\n\nChannel 1: found\n\nChannel 0: of\n\nChannel 1: that\n\nChannel 0: the\n\nChannel 1: had decent\n\nChannel 0: like\n\nChannel 1: reviews.\n\nChannel 0: like, a Comsec, NABTrey, like, brokerage account, or are you thinking more like a raise spaceship\n\nChannel 1: I tried a Comsec\n\nChannel 0: type\n\nChannel 1: one.\n\nChannel 0: thing?\n\nChannel 1: I just it just wouldn't work properly on my phone. I just think it was\n\nChannel 0: Fair.\n\nChannel 1: because my phone's too old. But now I'm actually using I think it's called trading sorry. I'm just gonna pull it up because I've got the name here.\n\nChannel 0: Yeah. No worries.\n\nChannel 1: It's cool. Trading two one\n\nChannel 0: Two one I've not heard of that one, but I'm\n\nChannel 1: 2.\n\nChannel 0: gonna\n\nChannel 1: Yeah.\n\nChannel 0: have\n\nChannel 1: It's\n\nChannel 0: a\n\nChannel 1: a\n\nChannel 0: little\n\nChannel 1: u\n\nChannel 0: look\n\nChannel 1: it's\n\nChannel 0: at\n\nChannel 1: I\n\nChannel 0: it\n\nChannel 1: think\n\nChannel 0: sometime.\n\nChannel 1: it's based in The States, but it has good returns on any cash that you just have leaving in the account.\n\nChannel 0: Gotcha.\n\nChannel 1: You get, like, I think it's, like, 5.6% I'm getting at the moment, the cash that I get back off the dividends. So it's it's okay. Not\n\nChannel 0: Yeah.\n\nChannel 1: as\n\nChannel 0: I think that's pretty good. Low account keeping fees, good interest\n\nChannel 1: yes.\n\nChannel 0: rate\n\nChannel 1: Yeah. So it's,\n\nChannel 0: on\n\nChannel 1: you know, for a first\n\nChannel 0: it.\n\nChannel 1: time going at it. I thought\n\nChannel 0: That's\n\nChannel 1: I'm getting older. I should probably try\n\nChannel 0: pretty\n\nChannel 1: figuring stuff out.\n\nChannel 0: cool. Why not? I mean, good on you for giving it a go. And it's\n\nChannel 1: And\n\nChannel 0: one\n\nChannel 1: it's just\n\nChannel 0: of those\n\nChannel 1: plain\n\nChannel 0: things\n\nChannel 1: money\n\nChannel 0: that\n\nChannel 1: anyway, so I don't care if I lose it all. So\n\nChannel 0: yeah. So you're\n\nChannel 1: if\n\nChannel 0: not\n\nChannel 1: I\n\nChannel 0: taking\n\nChannel 1: if\n\nChannel 0: any\n\nChannel 1: it will\n\nChannel 0: unnecessary risks.\n\nChannel 1: no. No. It's not like I'm using the mortgage payment on or anything stupid like that. Like, I've I know of other people that have.\n\nChannel 0: Yeah.\n\nChannel 1: Two of my\n\nChannel 0: Look.\n\nChannel 1: mates\n\nChannel 0: I\n\nChannel 1: did\n\nChannel 0: do\n\nChannel 1: that,\n\nChannel 0: get\n\nChannel 1: and\n\nChannel 0: people\n\nChannel 1: they they had to go into hard financial hardship with their bank when all of the war happened because he did it.\n\nChannel 0: oh,\n\nChannel 1: But they do let's do that for him. He's like, oh, I I thought I was ahead enough. Yeah. Oh, mate. That's just\n\nChannel 0: Man,\n\nChannel 1: bad luck.\n\nChannel 0: do you know how many people I get calling up the office weekly saying, oh, I wanna buy a house in twelve months. Can you invest my deposit in the stock market? And I'm just like, no. It's like a ten year game, not like a twelve month game, and then you're at the mercy of a crash wiping out your home deposit. Why why bother?\n\nChannel 1: Yeah. Yeah. Why risk you're losing it? And that yeah. My mate in particular, he yeah.\n\nHe's gonna be what did I I think they put him on, like, a a deferred payment for six months. And then\n\nChannel 0: Oh.\n\nChannel 1: he's yeah. Like, it's a lot of money. And he's gonna be paying it off. I think he's got to add he was only, like, ten years left on his mortgage. He's back up to, like, eighteen years is what they've told him because\n\nChannel 0: Yeah.\n\nChannel 1: of all the interest that he's gonna incur over the next six months with no payments. I\n\nChannel 0: Wow.\n\nChannel 1: was\n\nChannel 0: So\n\nChannel 1: like, this isn't a really bad decision, man.\n\nChannel 0: yeah. So when it comes to our style of advice for it, so you've obviously got priorities in terms of, like, the vehicle, the holidays, the mortgage. Once those are in a in a steady enough position, like, you know, how you said you had a ten year plan, we\n\nChannel 1: Yes.\n\nChannel 0: would basically then sit down once those are on track and go through, like, a a personal risk profile similar to your super risk profile and kind of split them into\n\nChannel 1: Oh,\n\nChannel 0: two different ones. And then we would build a portfolio whether that was something medium risk or or\n\nChannel 1: yeah.\n\nChannel 0: above depending on time frames and goals and things like that. And then we'd be a little bit more little bit more conservative with it. Nothing crazy.\n\nChannel 1: Yeah.\n\nChannel 0: No\n\nChannel 1: Because\n\nChannel 0: $5,000,000 margin loans.\n\nChannel 1: yeah. Exactly. Because, yeah, like, our ten year plan is we wanna, you know, get another get a unit for ourselves and then have our existing houses\n\nChannel 0: Cool.\n\nChannel 1: So that's what what our broker's working on for us. He's the guy who got our house originally\n\nChannel 0: Yeah.\n\nChannel 1: for us. So he's helping us to find something that we can look at because, obviously, we're staying there till the kids finish school. But then the kids are planning to rent an office with a few of their mates. That's the current plan because, obviously, my son's 18 now. So\n\nChannel 0: Yep.\n\nChannel 1: he's technically an adult. He can do do what he wants, but he said he wants to stay at the house. Right? Because he has his own area, so he's happy. He's got a the daughter wants the same thing.\n\nChannel 0: Fantastic. So go through the old holidays and loan repayments, and then when the kids leave, buy a unit, rent out the house, and, yeah, that's a pretty solid ten year plan. Good on you.\n\nChannel 1: Yeah. That's that's you know, I can type it works. But if you don't have\n\nChannel 0: Fair.\n\nChannel 1: a plan, right, you got nothing to work towards.\n\nChannel 0: Yeah. Give it a go and just refine it over time. It's better than having no plan and waking up at fifty eight going, whoops. I probably should have looked at that.\n\nChannel 1: So yeah. I should have actually thought about what we're doing.\n\nChannel 0: Absolutely. Alright. I've just added into the system a bit of a catch up for you in November.\n\nChannel 1: Yep.\n\nChannel 0: I've have just added those goals in as well just so we can kind of touch base on them together.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Outside of that, actually, there is one thing I've gotta show you as well. On that email, we've got an updated consent form with Hub twenty four in terms of our fees and our services through them and a tax file number opt in form, which is basically just our way of trying to, a, get your consent to be holding such a sensitive number, and, b, trying to keep it into one form rather than six digital systems. But\n\nChannel 1: Oh, yeah. Yeah.\n\nChannel 0: so that's a bit of a safety thing. But after your performance report from Hub, the next document you'll see is your MetLife certificate of currency.\n\nChannel 1: Yep. Yep.\n\nChannel 0: But what I wanted to do, if you can just for a second for me before I let you go, the one after that is an updated service guide and financial services guide with us. It's got a big blue banner\n\nChannel 1: Yep.\n\nChannel 0: city picture\n\nChannel 1: Yep.\n\nChannel 0: on it. Can you see that one?\n\nChannel 1: Yeah. Yep. Yep.\n\nChannel 0: Now if you scroll all the way down through our services guide, you'll see all the pictures of the team,\n\nChannel 1: Yep.\n\nChannel 0: and it'll\n\nChannel 1: Yep. Yep.\n\nChannel 0: get about to page 13, and then you'll see another document identical called financial services guide.\n\nChannel 1: Yep. Yep. Looking at that one there.\n\nChannel 0: Cool. So I just wanted to let you know we have updated our fee structure, and there's been no real changes for you at the moment, but there's some future changes upcoming. So if you go down to a few pages into that, you should see an ongoing service fee and two little tables there split between sorry. Individual and couple. And it should be on Odo.\n\nIt should be page 17. But, again, it's kind of two documents merged into one.\n\nChannel 1: Oh, yeah.\n\nChannel 0: So\n\nChannel 1: Here we go. Yep. Yep.\n\nChannel 0: yep.\n\nChannel 1: Very\n\nChannel 0: So\n\nChannel 1: well. I'm\n\nChannel 0: normally\n\nChannel 1: looking fine up through it.\n\nChannel 0: no. You're right. Normally, 1.65%, but when people are above 200,000 now, we're implementing a tiered fee reduction. So from $205,100,000, the percentage will drop. 500 to a million, it'll drop again.\n\nAnd then one to 2,000,000, it'll have a further drop as well. So it's just essentially saying, you're at 01:30 now, so there's no change to the percentage. But when you press 200,000, we'll start to apply some discounts.\n\nChannel 1: Yep. Cool. That's\n\nChannel 0: Cool.\n\nChannel 1: cool.\n\nChannel 0: And the all important question is, are you comfortable with our services? Are you happy for us to continue looking after things?\n\nChannel 1: Oh, yeah. Definitely. Yeah. No trouble being all good news. It's\n\nChannel 0: Can't promise you it'll always be good\n\nChannel 1: good.\n\nChannel 0: news. There'll always\n\nChannel 1: No.\n\nChannel 0: be\n\nChannel 1: No.\n\nChannel 0: something\n\nChannel 1: It\n\nChannel 0: popping\n\nChannel 1: won't\n\nChannel 0: up\n\nChannel 1: always\n\nChannel 0: in the world.\n\nChannel 1: be, but, you know, plan for the best. I hope for the worst. I hope for the best. Get the right\n\nChannel 0: That's\n\nChannel 1: way\n\nChannel 0: the\n\nChannel 1: around.\n\nChannel 0: one. And whenever something does happen, my job is essentially to walk you through what the options are, what's happened. And the main thing for us is just don't leave something in a bad state for multiple years in a row. If you can make a few changes here and there as the world changes, keep it on track. It should be sweet.\n\nChannel 1: Yeah. The only thing\n\nChannel 0: Cool.\n\nChannel 1: I've really got going on at the moment other than that, other things I've already spoken about, it's just paying off a new tax debt because my last company I worked for stuffed it all up.\n\nChannel 0: No.\n\nChannel 1: They left me with a nice it was a $12.5 bill. That wasn't very\n\nChannel 0: Oh,\n\nChannel 1: impressed.\n\nChannel 0: no.\n\nChannel 1: Yeah. So that's the other thing I'm now paying off for that. I didn't realize I was gonna have to pay off because I thought they were doing my books right.\n\nChannel 0: Gotcha.\n\nChannel 1: Very\n\nChannel 0: I've added\n\nChannel 1: frustrating.\n\nChannel 0: that one in, but that's okay. So we've got the vehicle loan, the tax debt, the mortgage, and then, awesome, straight into the unit after that.\n\nChannel 1: Yep. Yep. Hopefully yeah. I'm not sure how long that'll take me to get rid of it, but at least my tax return will when I when that goes into it, it'll take off a couple of grand, hopefully. And then\n\nChannel 0: Yeah. Yep. Fair chunk out of it.\n\nChannel 1: take a little chunk and then yeah. And then I'll just I've just got it on a a weekly payment thing. Sorry. Fortnight,\n\nChannel 0: Yep.\n\nChannel 1: like, Pays fortnightly\n\nChannel 0: Yep.\n\nChannel 1: now.\n\nChannel 0: And that actually does remind me one last question I've got for you is previous company did do some salary sacrifice, but I just made a note from earlier in the conversation that we weren't going to do any additional contributions to Suba because you've got your kind of three step cash flow plan. Did\n\nChannel 1: Yep.\n\nChannel 0: you want me to look at anything like that or just leave it alone until those goals are achieved?\n\nChannel 1: I'll probably leave it alone at the moment. Yeah. Just because we gotta try to get a few things sorted. Maybe in December, we could look at it. But, yeah, at the moment, definitely not.\n\nChannel 0: Yep. No. That's totally\n\nChannel 1: Yeah.\n\nChannel 0: fair. Can't be locking funds away until age 60 when you've got all these things to sort out.\n\nChannel 1: Yeah. And I think it was actually because they did my salary sacrificing. They screwed it all up because I ended up getting double taxed\n\nChannel 0: Out.\n\nChannel 1: on everything.\n\nChannel 0: Oh,\n\nChannel 1: So\n\nChannel 0: right.\n\nChannel 1: I wasn't very impressed because they put me into a thing saying I was not earning that much and then changed it. Something else. I was had a big massive argument with the ATO about it. But I was like, well, this is what they did. This what you owe.\n\nThis is what you should have paid. I'm like, right.\n\nChannel 0: Damn.\n\nChannel 1: He's like, it's all on the graph. So I'm like, yeah, I can see it. It's all\n\nChannel 0: Yeah.\n\nChannel 1: black\n\nChannel 0: That's\n\nChannel 1: and\n\nChannel 0: a\n\nChannel 1: white.\n\nChannel 0: lovely\n\nChannel 1: It's obvious.\n\nChannel 0: roof. Yeah. Oh, man.\n\nChannel 1: Alright.\n\nChannel 0: So\n\nChannel 1: Nothing\n\nChannel 0: a\n\nChannel 1: I\n\nChannel 0: few\n\nChannel 1: can do\n\nChannel 0: things.\n\nChannel 1: about it. So it's just live and learn. Don't trust them at their offices. Because sometimes they don't actually put it incorrectly.\n\nChannel 0: Yeah. Actually, I do have someone coming into the office this afternoon who had salary sacrifice going for, like, three years. And then one time, they coded it wrong as a personal contribution right after\n\nChannel 1: Yep.\n\nChannel 0: we had done a big lump sum, like, 360,000 into super using up all their caps, and it just triggered that overpayment, messed the whole strategy up. So now he's gotta pull $200 back out again.\n\nChannel 1: Yep. Pretty much exactly what sort of not not those sort of numbers, which I would love it to be, but, you know, but, yeah, similar scenario, but they did it with a vehicle allowance that they were giving me. They were supposed to take tax out of it, but they weren't. They were just giving me a full vehicle allowance amount of money every week. They were every pay.\n\nAnd, yeah, they didn't have put any tax on it. So I'm getting a huge amount of money, and then I was gonna, oh, shit. By the way, you've gotta pay all of this now. You didn't pay\n\nChannel 0: Right.\n\nChannel 1: anything.\n\nChannel 0: So fringe\n\nChannel 1: And then I\n\nChannel 0: benefits\n\nChannel 1: got interest\n\nChannel 0: tax,\n\nChannel 1: on top\n\nChannel 0: is\n\nChannel 1: of\n\nChannel 0: that what\n\nChannel 1: it.\n\nChannel 0: you got hit with?\n\nChannel 1: Yeah. I got hit with that one, and there was some other\n\nChannel 0: Jeez.\n\nChannel 1: I forgot what it's called. There's two of them. And then I got fines as well for doing it. And I'm like, well, I didn't actually do it. Technically, they should get the fine, not me.\n\nBut anyway\n\nChannel 0: Yeah. Philip, you're you're the criminal, mate. Just watch out. They're coming\n\nChannel 1: yeah. Yeah.\n\nChannel 0: after\n\nChannel 1: That's\n\nChannel 0: you.\n\nChannel 1: it. That's that's it.\n\nChannel 0: Bloody\n\nChannel 1: It is\n\nChannel 0: hell.\n\nChannel 1: what it is. I thought I I thought I actually did think I stuffed it all up and I was like, oh. But I actually didn't do any other than sign the form to say yes. I will accept the payment.\n\nChannel 0: Oh, man.\n\nChannel 1: Yep. It is\n\nChannel 0: Righty.\n\nChannel 1: what it is.\n\nChannel 0: Yeah. Mate, any questions for me before I let you go?\n\nChannel 1: No. That's good. For now. It's all sound it's all sounding pretty good at the moment. So we'll keep moving along and, yeah, catch up later in the year.\n\nChannel 0: Yep. Anything else pop up in between, just give us a buzz and let us know. But I've got all that file noted in there for our next catch up. And if there's anything else you need, just, yeah, let us know.\n\nChannel 1: Yeah. Will do, man. Thank you very much for your time.\n\nChannel 0: Awesome, Phil. I'll leave that pack with you there, mate. If you have any trouble with the digital authorization, I'll get Michelle to give you a buzz next week and and see how you go.\n\nChannel 1: Yeah. No dramas at all. Thanks for that.\n\nChannel 0: Awesome. Have a great weekend, mate. Thank you so\n\nChannel 1: You\n\nChannel 0: much.\n\nChannel 1: too, mate. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":5.3599997,"end":5.68,"sentiment":"neutral","sentiment_score":0.04135197401046753},{"text":"Philip speaking.","start":5.68,"end":6.5,"sentiment":"neutral","sentiment_score":0.045124150812625885}],"sentiment":"neutral","sentiment_score":0.04386675854523977,"channel":1,"num_words":3,"start":5.3599997,"end":6.5},{"sentences":[{"text":"Good morning, Phil.","start":7.2799997,"end":8.16,"sentiment":"positive","sentiment_score":0.4006125330924988},{"text":"It's Tommy here from Oakview, mate.","start":8.16,"end":9.679999,"sentiment":"neutral","sentiment_score":0.3048464010159175},{"text":"How","start":9.679999,"end":9.84,"sentiment":"neutral","sentiment_score":0.2366037368774414}],"sentiment":"neutral","sentiment_score":0.32675197422504426,"channel":0,"num_words":10,"start":7.2799997,"end":9.84},{"sentences":[{"text":"Okay.","start":9.76,"end":10.08,"sentiment":"neutral","sentiment_score":0.2855870723724365}],"sentiment":"neutral","sentiment_score":0.2855870723724365,"channel":1,"num_words":1,"start":9.76,"end":10.08},{"sentences":[{"text":"are you doing?","start":9.84,"end":10.5,"sentiment":"neutral","sentiment_score":0.21969975531101227}],"sentiment":"neutral","sentiment_score":0.21969975531101227,"channel":0,"num_words":3,"start":9.84,"end":10.5},{"sentences":[{"text":"Tom.","start":10.08,"end":10.58,"sentiment":"neutral","sentiment_score":0.10587230324745178},{"text":"Yeah.","start":10.639999,"end":10.88,"sentiment":"neutral","sentiment_score":0.22736987471580505},{"text":"Good, mate.","start":10.88,"end":11.28,"sentiment":"positive","sentiment_score":0.5010493993759155},{"text":"Good.","start":11.28,"end":11.78,"sentiment":"positive","sentiment_score":0.4043354392051697},{"text":"Is it Tommy","start":12.0,"end":12.719999,"sentiment":"neutral","sentiment_score":0.09112085898717244}],"sentiment":"neutral","sentiment_score":0.25162987411022186,"channel":1,"num_words":8,"start":10.08,"end":12.719999},{"sentences":[{"text":"Tommy.","start":12.48,"end":12.98,"sentiment":"neutral","sentiment_score":0.08025167882442474}],"sentiment":"neutral","sentiment_score":0.08025167882442474,"channel":0,"num_words":1,"start":12.48,"end":12.98},{"sentences":[{"text":"or Tom?","start":12.719999,"end":13.38,"sentiment":"neutral","sentiment_score":0.04850902408361435},{"text":"Tommy, x.","start":14.96,"end":15.795,"sentiment":"neutral","sentiment_score":0.045799437910318375}],"sentiment":"neutral","sentiment_score":0.04715423099696636,"channel":1,"num_words":4,"start":12.719999,"end":15.795},{"sentences":[{"text":"I've got that pack to send through to you for the review.","start":17.435001,"end":20.815,"sentiment":"neutral","sentiment_score":0.16538793593645096},{"text":"Have we got","start":20.955,"end":21.755001,"sentiment":"neutral","sentiment_score":0.054584864526987076}],"sentiment":"neutral","sentiment_score":0.14322732165455818,"channel":0,"num_words":15,"start":17.435001,"end":21.755001},{"sentences":[{"text":"Yep.","start":21.715,"end":22.215,"sentiment":"neutral","sentiment_score":0.05138186365365982}],"sentiment":"neutral","sentiment_score":0.05138186365365982,"channel":1,"num_words":1,"start":21.715,"end":22.215},{"sentences":[{"text":"a a bit of time now?","start":21.755001,"end":23.055,"sentiment":"neutral","sentiment_score":0.02577423645804326}],"sentiment":"neutral","sentiment_score":0.02577423645804326,"channel":0,"num_words":6,"start":21.755001,"end":23.055},{"sentences":[{"text":"I do 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us.","start":26.075,"end":32.19,"sentiment":"neutral","sentiment_score":0.1352192416139271}],"sentiment":"neutral","sentiment_score":0.1556340822329124,"channel":0,"num_words":24,"start":25.195,"end":32.19},{"sentences":[{"text":"Yep.","start":32.6,"end":33.0,"sentiment":"neutral","sentiment_score":0.07215602695941925},{"text":"Uh-huh.","start":33.0,"end":33.239998,"sentiment":"neutral","sentiment_score":0.07851456105709076},{"text":"That's","start":33.239998,"end":33.739998,"sentiment":"neutral","sentiment_score":0.3244137167930603}],"sentiment":"neutral","sentiment_score":0.15836143493652344,"channel":1,"num_words":3,"start":32.6,"end":33.739998},{"sentences":[{"text":"Sensational, mate.","start":35.77,"end":36.73,"sentiment":"positive","sentiment_score":0.37822237610816956},{"text":"And just like yesterday, the calls are recorded for training and quality purposes.","start":36.73,"end":41.055,"sentiment":"neutral","sentiment_score":0.07107542569820698}],"sentiment":"neutral","sentiment_score":0.11202835241953532,"channel":0,"num_words":15,"start":35.77,"end":41.055},{"sentences":[{"text":"Haley.","start":41.559998,"end":42.04,"sentiment":"neutral","sentiment_score":0.08964010328054428},{"text":"Yep.","start":42.04,"end":42.54,"sentiment":"neutral","sentiment_score":0.09757399559020996}],"sentiment":"neutral","sentiment_score":0.09360704943537712,"channel":1,"num_words":2,"start":41.559998,"end":42.54},{"sentences":[{"text":"So I've got that coming through to your Gmail address.","start":43.215,"end":46.095,"sentiment":"neutral","sentiment_score":0.09840007200837135},{"text":"Will you better look on to that one today?","start":46.095,"end":48.275,"sentiment":"neutral","sentiment_score":0.09228266485863262}],"sentiment":"neutral","sentiment_score":0.09550235283217932,"channel":0,"num_words":19,"start":43.215,"end":48.275},{"sentences":[{"text":"Yeah.","start":48.245,"end":48.745,"sentiment":"neutral","sentiment_score":0.05073343217372894},{"text":"Just loading my email account now.","start":48.885,"end":50.905,"sentiment":"neutral","sentiment_score":0.058803142979741096},{"text":"Thinking","start":51.205,"end":51.605,"sentiment":"neutral","sentiment_score":0.024463938549160957}],"sentiment":"neutral","sentiment_score":0.05350202857516706,"channel":1,"num_words":8,"start":48.245,"end":51.605},{"sentences":[{"text":"No","start":51.535,"end":51.775,"sentiment":"neutral","sentiment_score":0.011761344969272614}],"sentiment":"neutral","sentiment_score":0.011761344969272614,"channel":0,"num_words":1,"start":51.535,"end":51.775},{"sentences":[{"text":"if 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go.","start":71.305,"end":72.125,"sentiment":"neutral","sentiment_score":0.044015963872273765}],"sentiment":"neutral","sentiment_score":0.044015963872273765,"channel":1,"num_words":3,"start":71.305,"end":72.125},{"sentences":[{"text":"Cool.","start":74.395,"end":74.895,"sentiment":"neutral","sentiment_score":0.26944494247436523},{"text":"Just while you're grabbing that one open, I was gonna just update a few details with you and then just","start":76.155,"end":81.06,"sentiment":"neutral","sentiment_score":0.11332576274871826}],"sentiment":"neutral","sentiment_score":0.1207600094023205,"channel":0,"num_words":21,"start":74.395,"end":81.06},{"sentences":[{"text":"Mhmm.","start":80.985,"end":81.485,"sentiment":"neutral","sentiment_score":0.04240593686699867}],"sentiment":"neutral","sentiment_score":0.04240593686699867,"channel":1,"num_words":1,"start":80.985,"end":81.485},{"sentences":[{"text":"dive into the attachments together and see if I need to change any of the 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and","start":86.82,"end":95.155,"sentiment":"neutral","sentiment_score":0.006656552931027753}],"sentiment":"neutral","sentiment_score":0.006656552931027753,"channel":0,"num_words":28,"start":86.82,"end":95.155},{"sentences":[{"text":"Yep.","start":95.14,"end":95.64,"sentiment":"neutral","sentiment_score":0.012721817009150982}],"sentiment":"neutral","sentiment_score":0.012721817009150982,"channel":1,"num_words":1,"start":95.14,"end":95.64},{"sentences":[{"text":"I think the most recent one would be 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enough.","start":118.73,"end":119.835,"sentiment":"neutral","sentiment_score":-0.041705384850502014},{"text":"What what are you doing now with our ACQ?","start":120.155,"end":122.015,"sentiment":"neutral","sentiment_score":-0.050337439920339316}],"sentiment":"neutral","sentiment_score":-0.04817942615287999,"channel":0,"num_words":12,"start":118.73,"end":122.015},{"sentences":[{"text":"So now at RCQ, I'm actually a what's called a business initiative specialist.","start":122.88,"end":127.275,"sentiment":"neutral","sentiment_score":0.010818443046166347}],"sentiment":"neutral","sentiment_score":0.010818443046166347,"channel":1,"num_words":13,"start":122.88,"end":127.275},{"sentences":[{"text":"Okay.","start":128.075,"end":128.575,"sentiment":"neutral","sentiment_score":-0.04949123039841652}],"sentiment":"neutral","sentiment_score":-0.04949123039841652,"channel":0,"num_words":1,"start":128.075,"end":128.575},{"sentences":[{"text":"And so what I'm actually doing, I'm working with 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you see that one?","start":833.065,"end":834.205,"sentiment":"neutral","sentiment_score":0.059529203176498416}],"sentiment":"neutral","sentiment_score":0.059529203176498416,"channel":0,"num_words":5,"start":833.065,"end":834.205},{"sentences":[{"text":"Yep.","start":834.375,"end":834.695,"sentiment":"neutral","sentiment_score":0.15661734342575073},{"text":"I can.","start":834.695,"end":835.435,"sentiment":"neutral","sentiment_score":0.23653461784124374}],"sentiment":"neutral","sentiment_score":0.20989552636941275,"channel":1,"num_words":3,"start":834.375,"end":835.435},{"sentences":[{"text":"Cool.","start":835.86505,"end":836.265,"sentiment":"positive","sentiment_score":0.4179847240447998},{"text":"So my analysis yesterday for the account, essentially, is you're in a high growth portfolio.","start":836.265,"end":843.0,"sentiment":"neutral","sentiment_score":0.22936544716358184},{"text":"So we're trying to aim for that 90% or above of your money being in growth assets, like shares, 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mode.","start":1344.745,"end":1345.725,"sentiment":"neutral","sentiment_score":-0.004170659929513931}],"sentiment":"neutral","sentiment_score":-0.004170659929513931,"channel":1,"num_words":2,"start":1344.745,"end":1345.725},{"sentences":[{"text":"So what I might do is I'll I'll call it a bit of a three month catch up, a bit of a quarterly,","start":1346.49,"end":1351.4701,"sentiment":"neutral","sentiment_score":0.06682078086811563}],"sentiment":"neutral","sentiment_score":0.06682078086811563,"channel":0,"num_words":23,"start":1346.49,"end":1351.4701},{"sentences":[{"text":"Yep.","start":1351.145,"end":1351.645,"sentiment":"neutral","sentiment_score":0.09798020124435423}],"sentiment":"neutral","sentiment_score":0.09798020124435423,"channel":1,"num_words":1,"start":1351.145,"end":1351.645},{"sentences":[{"text":"and I'll get someone to touch base with you in November, book in for a bit of an updated chat.","start":1351.77,"end":1356.9701,"sentiment":"neutral","sentiment_score":0.11036788783967495},{"text":"And then if we need to change both of those, I can kind of address that in a strategy update for you.","start":1356.9701,"end":1362.785,"sentiment":"neutral","sentiment_score":0.07191008414057168}],"sentiment":"neutral","sentiment_score":0.09022332399728752,"channel":0,"num_words":42,"start":1351.77,"end":1362.785},{"sentences":[{"text":"Yep.","start":1363.11,"end":1363.61,"sentiment":"neutral","sentiment_score":0.18184904754161835},{"text":"Sounds good.","start":1363.67,"end":1364.5701,"sentiment":"positive","sentiment_score":0.4458834379911423}],"sentiment":"positive","sentiment_score":0.35787197450796765,"channel":1,"num_words":3,"start":1363.11,"end":1364.5701},{"sentences":[{"text":"Beautiful.","start":1366.125,"end":1366.625,"sentiment":"positive","sentiment_score":0.5117716193199158},{"text":"Outside of that, I'm glad that your your soup is actually doing well because 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at any point you would like any advice on personal investing, we do do 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that's it.","start":2189.7249,"end":2190.63,"sentiment":"neutral","sentiment_score":-0.08954332520564397}],"sentiment":"neutral","sentiment_score":-0.07644744031131268,"channel":1,"num_words":4,"start":2189.165,"end":2190.63},{"sentences":[{"text":"Bloody","start":2192.42,"end":2192.9,"sentiment":"negative","sentiment_score":-0.5249574184417725}],"sentiment":"negative","sentiment_score":-0.5249574184417725,"channel":0,"num_words":1,"start":2192.42,"end":2192.9},{"sentences":[{"text":"It is","start":2192.63,"end":2192.95,"sentiment":"negative","sentiment_score":-0.62320676445961}],"sentiment":"negative","sentiment_score":-0.62320676445961,"channel":1,"num_words":2,"start":2192.63,"end":2192.95},{"sentences":[{"text":"hell.","start":2192.9,"end":2193.045,"sentiment":"negative","sentiment_score":-0.5054353475570679}],"sentiment":"negative","sentiment_score":-0.5054353475570679,"channel":0,"num_words":1,"start":2192.9,"end":2193.045},{"sentences":[{"text":"what it is.","start":2192.95,"end":2193.75,"sentiment":"negative","sentiment_score":-0.37755392988522846},{"text":"I thought I I thought I actually did think I stuffed it all up and I was like, oh.","start":2193.75,"end":2197.21,"sentiment":"neutral","sentiment_score":-0.3240637802763989},{"text":"But I actually didn't do any other than sign the form to say yes.","start":2197.2698,"end":2200.3098,"sentiment":"neutral","sentiment_score":-0.18747275163020408},{"text":"I will accept the payment.","start":2200.3098,"end":2201.8499,"sentiment":"neutral","sentiment_score":-0.03623930439352989}],"sentiment":"neutral","sentiment_score":-0.24623630877311636,"channel":1,"num_words":41,"start":2192.95,"end":2201.8499},{"sentences":[{"text":"Oh, 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pretty good at the moment.","start":2216.64,"end":2219.2,"sentiment":"positive","sentiment_score":0.3858975984833457},{"text":"So we'll keep moving along and, yeah, catch up later in the year.","start":2219.2,"end":2224.9,"sentiment":"positive","sentiment_score":0.36005131327188933}],"sentiment":"positive","sentiment_score":0.33698545576169575,"channel":1,"num_words":29,"start":2214.5452,"end":2224.9},{"sentences":[{"text":"Yep.","start":2225.545,"end":2226.045,"sentiment":"neutral","sentiment_score":0.2254999727010727},{"text":"Anything else pop up in between, just give us a buzz and let us know.","start":2226.345,"end":2229.7249,"sentiment":"neutral","sentiment_score":0.17751136422157288},{"text":"But I've got all that file noted in there for our next catch up.","start":2229.785,"end":2233.8,"sentiment":"neutral","sentiment_score":0.2631225532719067},{"text":"And if there's anything else you need, just, yeah, let us 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They emphasize the importance of life and disability insurance and suggest strategies for reducing risk levels. The speaker emphasizes the need to prioritize current holidays and loan repayments before building a portfolio and provides updates on their financial situation and financial services guide. They also mention a potential opportunity to replace a Benelong stock with a Benelong one, but it is too soon to make a change. The speaker provides updates on their financial situation and reminds the other speaker to contact them if they need further assistance."},"intents":{"segments":[{"text":"You don't wanna have consumer debt hanging around for too long. It is one of the biggest sinkholes. Yep.","start_word":780,"end_word":798,"intents":[{"intent":"Consolidate debt","confidence_score":0.0008393398}]},{"text":"And I just note down just a bit of a rough estimate in terms of cash savings at the moment? 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We've never been there, so we're just going to Tokyo City this time. Just yeah.","start_word":1182,"end_word":1202,"intents":[{"intent":"Expressing excitement about trip to tokyo city","confidence_score":2.9049858e-7}]},{"text":"I yeah. did Never a bit of been, a so I thought I would have a have a have a go. yeah.","start_word":1212,"end_word":1233,"intents":[{"intent":"Expressing preference for a trip to tokyo","confidence_score":0.000048051603}]},{"text":"That was my first overseas trip was to Japan and Tokyo, and it was just the the most incredible experience. If I could, I'd go back every year. It's just that Yeah.","start_word":1238,"end_word":1269,"intents":[{"intent":"Expressing hopes for return trip","confidence_score":0.00012656157}]},{"text":"Just before I dive into the super there, if you've got that email open, Yep. when you hit the purple button, the first document that should show up to review, it'll let you kind of go through all six documents with me just to have a bit of a scroll.","start_word":1331,"end_word":1380,"intents":[{"intent":"Review documents","confidence_score":0.61321294}]},{"text":"I wanted to double check with you for the life and disability insurance.","start_word":1435,"end_word":1447,"intents":[{"intent":"Double check insurance","confidence_score":0.50779134}]},{"text":"Not too concerned in terms of pricing on my end compared to the market, but just wanted to see, you know, does that life or TPD insurance feel too much, too little? Does that sound comfortable in those scenarios of, you know, death and disability?","start_word":1514,"end_word":1558,"intents":[{"intent":"Clarify pricing and benefits","confidence_score":0.00042474954},{"intent":"Compare insurance scenarios","confidence_score":0.007191395}]},{"text":"So if you're out of work for more than a month, it'll kick in a monthly payment for up to five years per injury and illness. Now Yep.","start_word":1720,"end_word":1747,"intents":[{"intent":"Explaining monthly payments","confidence_score":0.00009644223}]},{"text":"essentially happened is that they're protecting you currently for an income of a 130,000. Whereas if you're on a 115,000, what that basically means is if you went to claim on it, they may pay you a little bit less than what you're insured for. 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No. Yeah.","start_word":2011,"end_word":2027,"intents":[{"intent":"Questioning potential reduction in premium","confidence_score":0.000022829192}]},{"text":"I don't think, would it? No. Yeah.","start_word":2021,"end_word":2027,"intents":[{"intent":"Expressing uncertainty","confidence_score":0.0073103844}]},{"text":"So my analysis yesterday for the account, essentially, is you're in a high growth portfolio. So we're trying to aim for that 90% or above of your money being in growth assets, like shares, property, and gold, and small portion in the defensive side of things if that rings a Yep. Yeah.","start_word":2199,"end_word":2250,"intents":[{"intent":"Analyze investment portfolio","confidence_score":0.0016483024}]},{"text":"was fine. Like, I was like my wife was like, do we have to worry about it? I said, it'll come back up eventually. Just leave it. We don't need it right now anyway. Yeah.","start_word":2443,"end_word":2477,"intents":[{"intent":"Improve investments","confidence_score":0.00029219678}]},{"text":"So you've still got a good three market cycles of heavy growth to get, and then we can start reducing it down once you've built up that, you know, million dollars or whatever the figure is. Yep.","start_word":2814,"end_word":2850,"intents":[{"intent":"Discuss market cycles","confidence_score":0.014305625}]},{"text":"You're at a point where at some point, we might talk about some salary sacrifice and extra contributions down the line.","start_word":2851,"end_word":2871,"intents":[{"intent":"Discuss salary sacrifice","confidence_score":0.35918814}]},{"text":"You're at a point where at some point, we might talk about some salary sacrifice and extra contributions down the line. A few things we can do to catch you up after age 60 as well, a few different strategies.","start_word":2851,"end_word":2890,"intents":[{"intent":"Discuss strategies","confidence_score":0.33385658}]},{"text":"What can you do for me in five years? And it's like, not much. Yeah.","start_word":2987,"end_word":3001,"intents":[{"intent":"Assess potential benefits","confidence_score":0.00017311632}]},{"text":"Sounds like my father-in-law. Yeah.","start_word":3003,"end_word":3007,"intents":[{"intent":"Review son's well-being","confidence_score":0.000051006486}]},{"text":"So what I might do, if you're comfortable with it, is I'm gonna put a flag on the account that next time we speak, I'll see how you went income wise and whether we do need to trim down the income protection and just engine tune up the portfolio a little bit, especially if it continues to drag its feet and your next return is below benchmark.","start_word":3550,"end_word":3616,"intents":[{"intent":"Update portfolio status","confidence_score":0.005802651}]},{"text":"Well, that might be actually something to look into. Because, yeah, I I just used the a platform, what do you call one of the app platforms on my phone at the moment.","start_word":4088,"end_word":4120,"intents":[{"intent":"Inquire about platform","confidence_score":0.0028500557}]},{"text":"I'm just gonna pull it up because I've got the name here. Yeah.","start_word":4193,"end_word":4205,"intents":[{"intent":"Explain trading method","confidence_score":0.00088489533}]},{"text":"You get, like, I think it's, like, 5.6% I'm getting at the moment, the cash that I get back off the dividends.","start_word":4261,"end_word":4282,"intents":[{"intent":"Discuss cash dividend return rates","confidence_score":0.000053808933}]},{"text":"I mean, good on you for giving it a go.","start_word":4334,"end_word":4343,"intents":[{"intent":"Express gratitude","confidence_score":0.060144946}]},{"text":"So you're if not I taking if any it will unnecessary risks. no.","start_word":4368,"end_word":4380,"intents":[{"intent":"Inquire about financial risks","confidence_score":0.00007534983}]},{"text":"It's not like I'm using the mortgage payment on or anything stupid like that. Like, I've I know of other people that have. Yeah.","start_word":4382,"end_word":4405,"intents":[{"intent":"Explain reason for wanting to use mortgage payment","confidence_score":4.5216456e-7}]},{"text":"mates I did do that, get and people they they had to go into hard financial hardship with their bank when all of the war happened because he did it.","start_word":4411,"end_word":4440,"intents":[{"intent":"Communicate financial hardships","confidence_score":0.00014017211}]},{"text":"Can you invest my deposit in the stock market?","start_word":4490,"end_word":4498,"intents":[{"intent":"Discuss investing in stock market","confidence_score":0.06729517}]},{"text":"would basically then sit down once those are on track and go through, like, a a personal risk profile similar to your super risk profile and kind of split them into Oh, two different ones. And then we would build a portfolio whether that was something medium risk or or yeah.","start_word":4696,"end_word":4746,"intents":[{"intent":"Discuss personal risk profile","confidence_score":0.23397113}]},{"text":"And then we would build a portfolio whether that was something medium risk or or yeah.","start_word":4731,"end_word":4746,"intents":[{"intent":"Discuss portfolio size","confidence_score":0.103552915}]},{"text":"Give it a go and just refine it over time.","start_word":4980,"end_word":4989,"intents":[{"intent":"Refine plan","confidence_score":0.032528996}]},{"text":"On that email, we've got an updated consent form with Hub twenty four in terms of our fees and our services through them and a tax file number opt in form, which is basically just our way of trying to, a, get your consent to be holding such a sensitive number, and, b, trying to keep it into one form rather than six digital systems. But Oh, yeah.","start_word":5078,"end_word":5145,"intents":[{"intent":"Update consent form","confidence_score":0.665253}]},{"text":"But after your performance report from Hub, the next document you'll see is your MetLife certificate of currency.","start_word":5154,"end_word":5171,"intents":[{"intent":"Provide performance report","confidence_score":0.34495953}]},{"text":"Now if you scroll all the way down through our services guide, you'll see all the pictures of the team, Yep. and it'll Yep. Yep. get about to page 13, and then you'll see another document identical called financial services guide. Yep.","start_word":5229,"end_word":5270,"intents":[{"intent":"Scroll through services guide","confidence_score":0.13557056}]},{"text":"So I just wanted to let you know we have updated our fee structure, and there's been no real changes for you at the moment, but there's some future changes upcoming.","start_word":5278,"end_word":5308,"intents":[{"intent":"Update fee structure","confidence_score":0.058794122}]},{"text":"So I just wanted to let you know we have updated our fee structure, and there's been no real changes for you at the moment, but there's some future changes upcoming. So if you go down to a few pages into that, you should see an ongoing service fee and two little tables there split between sorry. Individual and couple.","start_word":5278,"end_word":5337,"intents":[{"intent":"Check fee structure","confidence_score":0.0071422337}]},{"text":"Normally, 1.65%, but when people are above 200,000 now, we're implementing a tiered fee reduction. So from $205,100,000, the percentage will drop. 500 to a million, it'll drop again. And then one to 2,000,000, it'll have a further drop as well.","start_word":5381,"end_word":5421,"intents":[{"intent":"Implement fee reduction","confidence_score":0.41668922}]},{"text":"So it's just essentially saying, you're at 01:30 now, so there's no change to the percentage. But when you press 200,000, we'll start to apply some discounts. Yep. Cool.","start_word":5423,"end_word":5451,"intents":[{"intent":"Apply discounts","confidence_score":0.9513934},{"intent":"Apply discounts","confidence_score":0.14156505}]},{"text":"Are you happy for us to continue looking after things? Oh, yeah.","start_word":5466,"end_word":5477,"intents":[{"intent":"Continue looking after things","confidence_score":0.6513325}]},{"text":"And whenever something does happen, my job is essentially to walk you through what the options are, what's happened.","start_word":5536,"end_word":5554,"intents":[{"intent":"Walk through options","confidence_score":0.9186214}]},{"text":"I've really got going on at the moment other than that, other things I've already spoken about, it's just paying off a new tax debt because my last company I worked for stuffed it all up.","start_word":5603,"end_word":5638,"intents":[{"intent":"Pay off tax debt","confidence_score":0.76686805},{"intent":"Pay off tax debt","confidence_score":0.11125531}]},{"text":"And then one time, they coded it wrong as a personal contribution right after Yep. we had done a big lump sum, like, 360,000 into super using up all their caps, and it just triggered that overpayment, messed the whole strategy up. So now he's gotta pull $200 back out again.","start_word":6104,"end_word":6154,"intents":[{"intent":"Resolve payout issues","confidence_score":0.000043719487}]}]},"sentiments":{"segments":[{"text":"Hello. Philip speaking.","start_word":0,"end_word":2,"sentiment":"neutral","sentiment_score":0.04471972584724426},{"text":"Good morning, Phil.","start_word":3,"end_word":5,"sentiment":"positive","sentiment_score":0.4034996032714844},{"text":"It's Tommy here from Oakview, mate. How Okay. are you doing? Tom. Yeah.","start_word":6,"end_word":18,"sentiment":"neutral","sentiment_score":0.27402347326278687},{"text":"Good, mate. Good.","start_word":19,"end_word":21,"sentiment":"positive","sentiment_score":0.4675171971321106},{"text":"Is it Tommy Tommy. or Tom? Tommy, x. I've got that pack to send through to you for the review. Have we got Yep. a a bit of time now? I do now. Yep.","start_word":22,"end_word":55,"sentiment":"neutral","sentiment_score":0.09833794087171556},{"text":"Fantastic.","start_word":56,"end_word":56,"sentiment":"positive","sentiment_score":0.625175416469574},{"text":"Just the same as yesterday, I was just wondering if I could check security with you and grab your client password with us. Yep. Uh-huh.","start_word":57,"end_word":81,"sentiment":"neutral","sentiment_score":0.12116993218660356},{"text":"That's Sensational, mate.","start_word":82,"end_word":84,"sentiment":"positive","sentiment_score":0.3672599792480469},{"text":"And just like yesterday, the calls are recorded for training and quality purposes. Haley. Yep. So I've got that coming through to your Gmail address. Will you better look on to that one today? Yeah. Just loading my email account now. Thinking No if it worries. when we With take the a little little bit to wake up. no worries.","start_word":85,"end_word":144,"sentiment":"neutral","sentiment_score":0.061956774443387985},{"text":"The with the new Odoo system, it should come through to the main inbox pretty well instantly.","start_word":145,"end_word":161,"sentiment":"positive","sentiment_score":0.3703964650630951},{"text":"If it is the first time you've used it, it might be in the spam folder. There we go. Cool. Just while you're grabbing that one open, I was gonna just update a few details with you and then just Mhmm. dive into the attachments together and see if I need to change any of the strategies. Yep. Yep. The the sort of main thing I wanted to double check with you is there was a few different employers putting in contributions the last twelve months, and Yep. I think the most recent one would be RACQ. Yeah. Correct. Awesome. So just with the the occupation and income, are you doing a similar role in terms of the value assessing for disaster relief? No. Not anymore. That that contract finished. Yep. Yeah. That's done.","start_word":162,"end_word":295,"sentiment":"neutral","sentiment_score":0.018476299941539764},{"text":"They don't do it anymore.","start_word":296,"end_word":300,"sentiment":"negative","sentiment_score":-0.34765833616256714},{"text":"Oh, fair enough. What what are you doing now with our ACQ? So now at RCQ, I'm actually a what's called a business initiative specialist. Okay. And so what I'm actually doing, I'm working with communications and comms going out to our everything under mobility, our frontline teams. K. So, yeah, it's about 900 odd people that I've gotta send stuff out to. Yeah. Right. Business initiative specialist. And do Yep. you have a a bit of a new salary now for this financial year? Or Yeah. Yeah. It's actually come down a little bit. So 100 and it's a 108 either a 115 or a 118, but that includes Yep. super. So I'm not sure exactly Perfect. on the breakdown. Alrighty. I'll go a bit conservative with it and pop the 115 in. That Yep. way we're not going overboard with it. Yep. Yep. And a couple of questions from last fact fine, but we also got a couple of new ones as well, is just in terms of estate planning, did you end up putting a will in place? No. I haven't got around to that yet. I should That's have done alright. that, but, It's no, I just haven't the done it. yearly reminder from us. That's okay. And for insolvency, this one's a bit strange, but have you ever gone through a bankruptcy or a part nine debt agreement before? No. I haven't. Perfect. Perfect. Alrighty. And the last couple of things, so just in terms of family, we have Natasha and the two children, and they Yep. are split as your beneficiaries for the super. So you've got it split Yeah. three Correct. ways. Yep. Perfect. Any changes you wanna make there? Happy to leave that one as Not as if that is it. Yeah. My changes. is.","start_word":301,"end_word":603,"sentiment":"neutral","sentiment_score":0.031622100357126086},{"text":"Perfect.","start_word":604,"end_word":604,"sentiment":"positive","sentiment_score":0.36245232820510864},{"text":"And then for assets and liabilities, so one of your main priorities in terms of previous goals that I can see is the car loan followed by the mortgage and a little bit of travel. Would you say that's still, I guess, the cash flow priority for the next few years? Yeah. Nothing's really changed in that area yet. Like, we have a ten year plan now, but other than that, no. We, yeah, so we've got do wanna travel, obviously, Yep. whenever we can, I'll be but the the paying off the the last of the car car will be good. Mhmm. Nearly nearly paid off now.","start_word":605,"end_word":712,"sentiment":"neutral","sentiment_score":0.11123488236356664},{"text":"And then we'll loan both cars outright Fantastic. I'm just gonna grab up a bit of an updated online evaluation for the home.","start_word":713,"end_word":735,"sentiment":"positive","sentiment_score":0.42310112714767456},{"text":"Do you know off the top of your head how much is left on the vehicle? on the vehicle. I think it's 12,000, 13,000, thereabouts. Yeah. Wow. Almost done. Absolutely. Yeah.","start_word":736,"end_word":766,"sentiment":"neutral","sentiment_score":0.08094118535518646},{"text":"We we smashed a heap of it. And that's good Yep.","start_word":767,"end_word":777,"sentiment":"positive","sentiment_score":0.3894110023975372},{"text":"to do. You don't wanna have consumer debt hanging around for too long. It is one of the biggest sinkholes. Yep. With the property, interesting for your area, they're saying it's jumped all the way up to possibly 1.7 at the moment. Yeah. It turns about right. Okay. And mortgage, we had six No. That's gone up slightly. We had to we had a few things break in the house, 50. Oh. unfortunately. Oh, So we no. had to fix a few things. So that's gone to be back to $6.95 now. $6.95. Sensational. Yeah. It was $7.30, but it's come back down again. Yep. Awesome. And outside of that, we just had the other vehicle and a boat. Yep. Yep.","start_word":778,"end_word":898,"sentiment":"neutral","sentiment_score":-0.06634268909692764},{"text":"Perfect.","start_word":899,"end_word":899,"sentiment":"positive","sentiment_score":0.3434981107711792},{"text":"And just in terms of cash flow with the new role and everything, do you guys have, like, a a set amount that you're able to put into savings at the moment, or are you just kind of pumping it all into the loans? What's the the cash flow like? Yeah. Most of it is going into savings because we're going we're planning a couple of holidays. But a short weekend holiday away coming up, and then we've got my wife's fortieth. So we're putting it all into our savings this time. I don't know. Save some money for that.","start_word":900,"end_word":999,"sentiment":"neutral","sentiment_score":0.051315451562404635},{"text":"Fantastic.","start_word":1000,"end_word":1000,"sentiment":"positive","sentiment_score":0.7506056427955627},{"text":"And I just note down just a bit of a rough estimate in terms of cash savings at the moment? Yeah. I think that I think no. We just paid for all the flights and stuff. So it's probably only about $3 in there now. Yep. So we just paid for all the flights.","start_word":1001,"end_word":1054,"sentiment":"neutral","sentiment_score":0.1145489737391472},{"text":"So Perfect. I'll just say holiday flights are paid for, which is good.","start_word":1055,"end_word":1067,"sentiment":"positive","sentiment_score":0.5617813467979431},{"text":"There's a spending yeah. money to Oh, build well, up and and in between. the accommodation and everything else is all paid. It's just what we wanna do for food. Oh, amazing. Why were And they? are you going overseas for the fortieth? Or Not for the fortieth. Well, we want to. We haven't worked on that yet, but we're doing a little short wedding anniversary going away for that in a couple of weeks. So we're just going to Japan for a few days. Oh, Yeah. Just a quick cool. Before little I swing into the the policy and the the spirit super there, are you going up north, holiday. central, or south? We're going into actually just Tokyo. We've never been there, so we're just going to Tokyo City this time. Just yeah. Because it's literally just a few days.","start_word":1068,"end_word":1209,"sentiment":"neutral","sentiment_score":0.0667218491435051},{"text":"So Awesome.","start_word":1210,"end_word":1211,"sentiment":"positive","sentiment_score":0.415285050868988},{"text":"I yeah. did Never a bit of been, a so I thought I would have a have a have a go. yeah. I went last year.","start_word":1212,"end_word":1237,"sentiment":"neutral","sentiment_score":0.1530679315328598},{"text":"That was my first overseas trip was to Japan and Tokyo, and it was just the the most incredible experience.","start_word":1238,"end_word":1257,"sentiment":"positive","sentiment_score":0.4168265163898468},{"text":"If I could, I'd go back every year. It's just that Yeah. Yeah. Well, that's what we were we would like to do one day. But, yeah, you know, obviously, cash flow doesn't always that work easy. that great. Yeah. And sometimes there's wars and the economy explodes and the cost of living Oh, I just goes up and yeah. down and fuel crises. A few things pop up. Yeah. Yep. Awesome. Just before I dive into the super there, if you've got that email open, Yep. when you hit the purple button, the first document that should show up to review, it'll let you kind of go through all six documents with me just to have a bit of a scroll. You should see a super and insurance summary. It's got, like, an Oakview financial letterhead is the first first document when you hit that sign button. Hang on. It sent me page, like, 13. Alright. Yep. I'm back on page one now.","start_word":1258,"end_word":1421,"sentiment":"neutral","sentiment_score":0.04594092873470267},{"text":"Cool.","start_word":1422,"end_word":1422,"sentiment":"positive","sentiment_score":0.4301379919052124},{"text":"Just in terms of so we got the hub and the MetLife. I wanted to double check with you for the life and disability insurance. So my analysis of that is obviously it kind of clears out the mortgage for you guys, which is a priority. And then Yep. with that million left over, you kinda get that eight years worth of of net income replacement. So all up, Mhmm. that would be income protection. It's a little over $2 at the moment. The 15% rebate drops at just under $2. Not too concerned in terms of pricing on my end compared to the market, but just wanted to see, you know, does that life or TPD insurance feel too much, too little? Does that sound comfortable in those scenarios of, you know, death and disability? At at this point in time, I think it does. I think it's we did talk about it quite in-depth last the first time we did it. I'm trying to work out what the actual amount should be. But, yeah, nothing's really changed for us in that regard. Thank god. Yeah. Needs haven't changed. A few other things have changed, but outside of that, still in the same priorities, I guess, as as last time. Yeah. Yep.","start_word":1423,"end_word":1635,"sentiment":"neutral","sentiment_score":-0.014557084068655968},{"text":"Awesome.","start_word":1636,"end_word":1636,"sentiment":"positive","sentiment_score":0.34544676542282104},{"text":"So with the, income protection, just as a quick heads up, so can you see there how it's got the monthly benefit amount of $7.05 $8.05 and a thirty day wait five year benefit. And it's just under the approximate benefit on that first page.","start_word":1637,"end_word":1681,"sentiment":"neutral","sentiment_score":0.07340796291828156},{"text":"I must have gone to the wrong oh, here we go.","start_word":1682,"end_word":1692,"sentiment":"negative","sentiment_score":-0.37535378336906433},{"text":"Sorry. I think I'm back in the wrong sorry. I'm not No worries oh, here at all. we go. Now it's the right one up.","start_word":1693,"end_word":1717,"sentiment":"neutral","sentiment_score":0.0016809394955635071},{"text":"Perfect. Perfect.","start_word":1718,"end_word":1719,"sentiment":"positive","sentiment_score":0.7041417360305786},{"text":"So if you're out of work for more than a month, it'll kick in a monthly payment for up to five years per injury and illness. Now Yep. because it's based on a percentage of income, they have a maximum of 70%. So because of indexation, they tend to slightly increase your benefit amount each year to try and keep up with inflation. So what's Mhmm. essentially happened is that they're protecting you currently for an income of a 130,000. Whereas if you're on a 115,000, what that basically means is if you went to claim on it, they may pay you a little bit less than what you're insured for. Oh, yeah. Yeah. Yeah. Cool. Yeah. I get that. So let's say it's 7,500 a month, but you're only protected for that 115,000. They may pay you 6,700 depending on your tax return and things like that. So the options are essentially we can either trim it back down a little bit or we can wait for your income to kind of bump up and then you're already insured for it without having to go through underwriting to increase it. Yeah. Well, I can't Mhmm. see my income changing in the next twelve months anyway. It is now it's gone Yep. back to, obviously, for salary now. So before, it used to fluctuate a bit, but now it's going back to salary. So yeah, it is more of a debt amount. So would it be appropriate to kind of do a bit of a trim, do you think, or would you wanna kind of hold on to it for a little while? Well, it could probably come down to the $1.20 mark, so it'd be closer, but it doesn't Yep.","start_word":1720,"end_word":2010,"sentiment":"neutral","sentiment_score":-0.007921199314296246},{"text":"I don't think it would change the premium that much.","start_word":2011,"end_word":2020,"sentiment":"negative","sentiment_score":-0.3404902517795563},{"text":"I don't think, would it? No. Yeah. No. So looking at that, if I go 15,000 divided by the $1.30, at maximum, probably drop it by about nine or 10%. Yep.","start_word":2021,"end_word":2051,"sentiment":"neutral","sentiment_score":-0.06284923833464423},{"text":"No. No. Not really worth it.","start_word":2052,"end_word":2057,"sentiment":"negative","sentiment_score":-0.5807313919067383},{"text":"Just in case that Cool. it does change, means we'd have Yep. to put all the effort in. Yeah. I mean, fingers crossed. Get a random promotion or something, and then it's already filled in because going through medical questions and applications again can always be a bit painful. But I just wanted to let you know that if something Yeah. happens, they would base it off, you know, for example, your last tax return Oh, and then yeah. percentage Yep. Yep. of That makes sense.","start_word":2058,"end_word":2143,"sentiment":"neutral","sentiment_score":0.0786842480301857},{"text":"that. Beautiful.","start_word":2144,"end_word":2145,"sentiment":"positive","sentiment_score":0.5494005680084229},{"text":"And in terms of the super, that second document in there is a performance table. It's not the most user friendly performance table, but it's got a hub logo at the top. It's a blue table with all your Oh, investments yeah. listed. Yep. Can you see that one? Yep. I can.","start_word":2146,"end_word":2197,"sentiment":"neutral","sentiment_score":0.1253793090581894},{"text":"Cool.","start_word":2198,"end_word":2198,"sentiment":"positive","sentiment_score":0.4179847240447998},{"text":"So my analysis yesterday for the account, essentially, is you're in a high growth portfolio. So we're trying to aim for that 90% or above of your money being in growth assets, like shares, property, and gold, and small portion in the defensive side of things if that rings a Yep. Yeah. That's bell. yep. Now in that profile, you're essentially aiming for an average benchmark return of about nine to 10%, and that includes the really, really good years where it jumps up ten, twenty, 30, and it includes the odd year where there's a financial crisis and a crash, and it may drop ten, twenty, 30% as well.","start_word":2199,"end_word":2308,"sentiment":"neutral","sentiment_score":0.16807276010513306},{"text":"So if you can kind of average out at the double digits over a decade, you're pretty well on track, if that makes sense.","start_word":2309,"end_word":2332,"sentiment":"positive","sentiment_score":0.38716208934783936},{"text":"Yeah. Yep. Now No. I having understand a look that. at it so far, you've gone from a 112 to just shy of a 130. And in terms of percentages, you've just cleared nine percent after fees, including that drop that happened in March with the Iran war. So the stock market had Yes. a bit of a dive, I was gonna and it say yeah. So yeah. dove, bounced back, Yeah.","start_word":2333,"end_word":2404,"sentiment":"neutral","sentiment_score":0.04953296762606543},{"text":"which was lovely.","start_word":2405,"end_word":2407,"sentiment":"positive","sentiment_score":0.7925620079040527},{"text":"I I noticed it in my other my personal stuff. I was like, damn it. I hope you're you're comfortable with the whole long term time frames when Oh, it comes yeah. to That investing. was fine. Like, I was like my wife was like, do we have to worry about it? I said, it'll come back up eventually. Just leave it. We don't need it right now anyway. Yeah. One of the strange conversations I have with people is, like, it always does come back up if you've got the time frame there. And Yeah. you don't wanna be 64 years old losing half your super year before you retire because that's a bit of Yeah. a nightmare scenario. Yeah. That that would be the I would be very conservative once I get to that age, I think. Exactly. And so my question I've got today is basically, are you okay to continue kind of growing it as much as we can? And then in those last seven to ten years, we can reduce the risk level down. yeah.","start_word":2408,"end_word":2587,"sentiment":"neutral","sentiment_score":0.01872591488063335},{"text":"That's pretty that's exactly what I was hoping to do.","start_word":2588,"end_word":2597,"sentiment":"positive","sentiment_score":0.3339444696903229},{"text":"If it's, you know, give me the best chance while I've got the years ahead of me. Yeah. And you've just gotten to that point too where because you've hit 6 figures in the super, the returns that you're now getting are starting to eclipse the contributions that you're putting in. So, you know, when you've got your first $30 in super, it grows 10%, and you get $3 in there, but you're putting in that sort of 9 to 11. Yep. Yep. Whereas I think you've cleared just over 12,000 in earnings at the moment even with that dip in between. So it's gonna start to kind of accelerate over the next decade where it's gonna become that $10.15, $20. 30, 40,000 is what will happen compared to your contribution. So it'll kind of do the heavy lifting from here. Yeah.","start_word":2598,"end_word":2738,"sentiment":"neutral","sentiment_score":0.13117268375048402},{"text":"Well, that's good.","start_word":2739,"end_word":2741,"sentiment":"positive","sentiment_score":0.5586137771606445},{"text":"Because, yeah, I remember we're like we're we're not doing it the first time. We're like, oh, we'll have to do a bit of a lot of lifting to begin with, but using your words, you know. But, yeah, it's it's good though when I looked at Yeah. it last And time. you've essentially got, what, twenty years just under until preservation age, and the age pension's not until age 67. So you've still got a good three market cycles of heavy growth to get, and then we can start reducing it down once you've built up that, you know, million dollars or whatever the figure is. Yep. You're at a point where at some point, we might talk about some salary sacrifice and extra contributions down the line. A few things we can do to catch you up after age 60 as well, a few different strategies. I guess I would say you're a little bit behind on balance for your age, but not too much, but you're catching up very quickly. So I'm not worried that that you're gonna be staying behind forever. You're gonna Yes. be at a point Yes. very, very soon where you catch up to where you should be. It's a lot better than the people who sit in that default balance option for their whole life, and they rock up into the office at 58 going, oh, I've got 250 in super, and I need a million. What can you do for me in five years? And it's like, not much. Yeah. Yeah. Sounds like my father-in-law. Yeah. I guess we're all at that point where we know someone Yeah. of that Yep. generation that either didn't get super for a while or didn't pay much attention to it, and Yeah. we're definitely He in only a got lot it better in, like, both. the last fifteen Yeah. Yeah. years. Mhmm. Right. So Nineties onwards.","start_word":2742,"end_word":3063,"sentiment":"neutral","sentiment_score":0.03197554229347972},{"text":"he's very lucky that the house that they've got that they're about to sell is probably gonna give them the money that they're needing.","start_word":3064,"end_word":3087,"sentiment":"positive","sentiment_score":0.5346068143844604},{"text":"But even so, it's not not it's still not gonna be enough, I don't think.","start_word":3088,"end_word":3102,"sentiment":"negative","sentiment_score":-0.3462238907814026},{"text":"Yep. They're Yeah. gonna Bit be of downsizing. very heavily on the pension. Yeah. Unfortunate. Absolutely. We do a lot of three generation advice lately where you've got grandparents trying to downsize to fund retirement. You've got their kids who are just getting established, and then you've got the grandkids who are trying to get into the market, and a lot of estate planning comes into it as well. One thing I did wanna point out to you as well is in terms of those investment options on that first page, do you still have that document open? Yep. Yep. So left hand side has all the option codes and names on it, and the right hand side, the very last column has, like, a percentage return after fees. Don't know if Yep. you can make Yep. out those figures there. The return figures, you mean? The digits? Yeah. So where it says Yep. return net of IMF, I'm just looking in that Yep. column there. And what you can basically see is the top and bottom are in brackets, and everything in between there, it kind of builds up to the one in the middle, which is up just shy of 43%. Yeah. Yep. I understand. Yeah. I can see those. So that's your battery tech and lithium essentially electric vehicles. They've done very well alongside the gold and the cybersecurity. Again, everything with AI electric vehicles and so on and precious metals has been doing very well.","start_word":3103,"end_word":3351,"sentiment":"neutral","sentiment_score":0.03913209214806557},{"text":"The only ones of concern would be the top and bottom, which is your Ben Long Australian shares option, which has been kind of dragging its feet compared to the Aussie market, and the property ETF has gone down a little bit just given the recent changes to negative gearing and capital gains tax.","start_word":3352,"end_word":3405,"sentiment":"negative","sentiment_score":-0.3956171870231629},{"text":"Oh, you use that word. Yeah. Okay. That makes Yeah. sense.","start_word":3406,"end_word":3416,"sentiment":"neutral","sentiment_score":-0.0006659606640989131},{"text":"So Good on good on property.","start_word":3417,"end_word":3422,"sentiment":"positive","sentiment_score":0.4507494866847992},{"text":"Sounds not good on property. It's one of the things where it's like it's been the most sensational investment for a century, and then a couple of government announcements make it have a bit of a shock.","start_word":3423,"end_word":3459,"sentiment":"negative","sentiment_score":-0.3877471089363098},{"text":"So bad. Right? that's probably one where long term, great. Next six months, probably not so much. Yeah. I am putting a bit of a flag on that top one. So the the Benelong option, like I said, it's it's kind of underperformed the Aussie market. Usually, that's a bit of a temporary thing, but if that doesn't kind of catch back up, let's say, by Christmas or by the time of your next review, I'm probably gonna have to look at maybe switching that one out. Yep. Yep. So what I might do, if you're comfortable with it, is I'm gonna put a flag on the account that next time we speak, I'll see how you went income wise and whether we do need to trim down the income protection and just engine tune up the portfolio a little bit, especially if it continues to drag its feet and your next return is below benchmark. I would probably look at a few replacements in there. Is that okay? Yeah. That's fine. Cool. Do you want me to pencil in for a bit of a catch up before Christmas time to kind of jump onto this a bit earlier, or are you okay to just kind of see how it goes for the twelve months and then catch up for the annual review? Yep. Yeah. No. We could do one in December. That wouldn't be a problem. It'd have to be near the beginning because I'm we if we do go overseas, we're going overseas by November 13. So yeah. It just has to be before then. Obviously, most people are not working after that anyway. They're all Yeah. on Correct. holiday mode. So what I might do is I'll I'll call it a bit of a three month catch up, a bit of a quarterly, Yep. and I'll get someone to touch base with you in November, book in for a bit of an updated chat. And then if we need to change both of those, I can kind of address that in a strategy update for you. Yep.","start_word":3460,"end_word":3809,"sentiment":"neutral","sentiment_score":-0.009041802787355014},{"text":"Sounds good. Beautiful.","start_word":3810,"end_word":3812,"sentiment":"positive","sentiment_score":0.4695459306240082},{"text":"Outside of that, I'm glad that your your soup is actually doing well because there's a lot of nightmares floating around at the moment. A lot of people in the negatives out there and crashing and No. all kinds of things. But, That doesn't sound good. yeah, there's a few fix ups to do and people walk in the door going, oh my god. It's melting.","start_word":3813,"end_word":3878,"sentiment":"neutral","sentiment_score":-0.01181287132203579},{"text":"But it's good that you're on a nice steady ship even with a few shocks in between.","start_word":3879,"end_word":3895,"sentiment":"positive","sentiment_score":0.44358956813812256},{"text":"Unfortunate. Yes. Yeah. There was a couple of good ones. Yeah. Absolutely. Just out of curiosity, if you're on personal investments, did you have some shares or ETFs or something? Yeah. I had a couple of shares and a couple ETFs. Nothing else really because I don't understand the rest of it. So Or I'm not yep. I looked at all that, you know, e e what do you call it? Bitcoin, all those sort of things, but I don't understand how it works. So I'm like, I'm not gonna put money in if I don't get it. Yeah. I'll end No. up That's losing fair. it. If at any point you would like any advice on personal investing, we do do that. Pretty Oh, similar really? to Okay. the good example I give is because you're with Hub twenty four, they also offer, like, personal investment accounts, which are identical to the super accounts. So you can essentially have, like, two accounts on the same login. Can have your personal money, your super money. You can have them alongside each other, all the same investment options as well. Oh, well. Well, that might be actually something to look into. Because, yeah, I I just used the a platform, what do you call one of the app platforms on my phone at the moment. The Yeah. only one Is it that I one found of that the had decent like reviews. like, a Comsec, NABTrey, like, brokerage account, or are you thinking more like a raise spaceship I tried a Comsec type one. thing?","start_word":3896,"end_word":4159,"sentiment":"neutral","sentiment_score":0.034260548196140335},{"text":"I just it just wouldn't work properly on my phone.","start_word":4160,"end_word":4169,"sentiment":"negative","sentiment_score":-0.3473854660987854},{"text":"I just think it was Fair. because my phone's too old. But now I'm actually using I think it's called trading sorry. I'm just gonna pull it up because I've got the name here. Yeah. No worries.","start_word":4170,"end_word":4206,"sentiment":"neutral","sentiment_score":-0.02286062017083168},{"text":"It's cool.","start_word":4207,"end_word":4208,"sentiment":"positive","sentiment_score":0.35978755354881287},{"text":"Trading two one Two one I've not heard of that one, but I'm 2. gonna Yeah. have It's a a little u look it's at I it think sometime. it's based in The States, but it has good returns on any cash that you just have leaving in the account. Gotcha. You get, like, I think it's, like, 5.6% I'm getting at the moment, the cash that I get back off the dividends. So it's it's okay. Not Yeah.","start_word":4209,"end_word":4287,"sentiment":"neutral","sentiment_score":0.18478097021579745},{"text":"as I think that's pretty good.","start_word":4288,"end_word":4293,"sentiment":"positive","sentiment_score":0.47346359491348267},{"text":"Low account keeping fees, good interest yes. rate Yeah. So it's, on you know, for a first it. time going at it. I thought That's I'm getting older. I should probably try pretty figuring stuff out.","start_word":4294,"end_word":4329,"sentiment":"neutral","sentiment_score":0.01254542637616396},{"text":"cool.","start_word":4330,"end_word":4330,"sentiment":"positive","sentiment_score":0.335631787776947},{"text":"Why not?","start_word":4331,"end_word":4332,"sentiment":"neutral","sentiment_score":0.20394399762153623},{"text":"I mean, good on you for giving it a go.","start_word":4333,"end_word":4342,"sentiment":"positive","sentiment_score":0.5601102709770203},{"text":"And it's And one it's just of those plain things money that anyway, so I don't care if I lose it all. So yeah. So you're if not I taking if any it will unnecessary risks. no. No. It's not like I'm using the mortgage payment on or anything stupid like that. Like, I've I know of other people that have. Yeah. Two of my Look. mates I did do that, get and people they they had to go into hard financial hardship with their bank when all of the war happened because he did it. oh, But they do let's do that for him. He's like, oh, I I thought I was ahead enough. Yeah. Oh, mate. That's just Man, bad luck. do you know how many people I get calling up the office weekly saying, oh, I wanna buy a house in twelve months. Can you invest my deposit in the stock market? And I'm just like, no.","start_word":4343,"end_word":4502,"sentiment":"neutral","sentiment_score":-0.03887081607244909},{"text":"It's like a ten year game, not like a twelve month game, and then you're at the mercy of a crash wiping out your home deposit. Why why bother?","start_word":4503,"end_word":4531,"sentiment":"negative","sentiment_score":-0.3845278024673462},{"text":"Yeah. Yeah.","start_word":4532,"end_word":4533,"sentiment":"neutral","sentiment_score":-0.22933891415596008},{"text":"Why risk you're losing it? And that yeah.","start_word":4534,"end_word":4541,"sentiment":"negative","sentiment_score":-0.4990213811397553},{"text":"My mate in particular, he yeah. He's gonna be what did I I think they put him on, like, a a deferred payment for six months. And then Oh. he's yeah. Like, it's a lot of money. And he's gonna be paying it off. I think he's got to add he was only, like, ten years left on his mortgage. He's back up to, like, eighteen years is what they've told him because Yeah. of all the interest that he's gonna incur over the next six months with no payments. I Wow. was So like, this isn't a really bad decision, man. yeah. So when it comes to our style of advice for it, so you've obviously got priorities in terms of, like, the vehicle, the holidays, the mortgage. Once those are in a in a steady enough position, like, you know, how you said you had a ten year plan, we Yes. would basically then sit down once those are on track and go through, like, a a personal risk profile similar to your super risk profile and kind of split them into Oh, two different ones. And then we would build a portfolio whether that was something medium risk or or yeah. above depending on time frames and goals and things like that. And then we'd be a little bit more little bit more conservative with it. Nothing crazy. Yeah. No Because $5,000,000 margin loans. yeah. Exactly. Because, yeah, like, our ten year plan is we wanna, you know, get another get a unit for ourselves and then have our existing houses Cool. So that's what what our broker's working on for us. He's the guy who got our house originally Yeah. for us. So he's helping us to find something that we can look at because, obviously, we're staying there till the kids finish school. But then the kids are planning to rent an office with a few of their mates. That's the current plan because, obviously, my son's 18 now. So Yep. he's technically an adult. He can do do what he wants, but he said he wants to stay at the house. Right?","start_word":4542,"end_word":4899,"sentiment":"neutral","sentiment_score":0.04071438250095485},{"text":"Because he has his own area, so he's happy. He's got a the daughter wants the same thing. Fantastic. So go through the old holidays and loan repayments, and then when the kids leave, buy a unit, rent out the house, and, yeah, that's a pretty solid ten year plan. Good on you.","start_word":4900,"end_word":4952,"sentiment":"positive","sentiment_score":0.5404231548309326},{"text":"Yeah. That's that's you know, I can type it works. But if you don't have Fair. a plan, right, you got nothing to work towards. Yeah. Give it a go and just refine it over time. It's better than having no plan and waking up at fifty eight going, whoops. I probably should have looked at that. So yeah. I should have actually thought about what we're doing.","start_word":4953,"end_word":5020,"sentiment":"neutral","sentiment_score":0.028066348284482956},{"text":"Absolutely.","start_word":5021,"end_word":5021,"sentiment":"positive","sentiment_score":0.3873192369937897},{"text":"Alright. I've just added into the system a bit of a catch up for you in November. Yep. I've have just added those goals in as well just so we can kind of touch base on them together. Yep. Yep. Outside of that, actually, there is one thing I've gotta show you as well. On that email, we've got an updated consent form with Hub twenty four in terms of our fees and our services through them and a tax file number opt in form, which is basically just our way of trying to, a, get your consent to be holding such a sensitive number, and, b, trying to keep it into one form rather than six digital systems. But Oh, yeah. Yeah. so that's a bit of a safety thing. But after your performance report from Hub, the next document you'll see is your MetLife certificate of currency. Yep. Yep. But what I wanted to do, if you can just for a second for me before I let you go, the one after that is an updated service guide and financial services guide with us. It's got a big blue banner Yep. city picture Yep. on it. Can you see that one? Yeah. Yep. Yep. Now if you scroll all the way down through our services guide, you'll see all the pictures of the team, Yep. and it'll Yep. Yep. get about to page 13, and then you'll see another document identical called financial services guide. Yep. Yep. Looking at that one there. Cool. So I just wanted to let you know we have updated our fee structure, and there's been no real changes for you at the moment, but there's some future changes upcoming. So if you go down to a few pages into that, you should see an ongoing service fee and two little tables there split between sorry. Individual and couple. And it should be on Odo. It should be page 17. But, again, it's kind of two documents merged into one. Oh, yeah. So Here we go. Yep. Yep. yep. Very So well. I'm normally looking fine up through it. no. You're right. Normally, 1.65%, but when people are above 200,000 now, we're implementing a tiered fee reduction. So from $205,100,000, the percentage will drop. 500 to a million, it'll drop again. And then one to 2,000,000, it'll have a further drop as well. So it's just essentially saying, you're at 01:30 now, so there's no change to the percentage. But when you press 200,000, we'll start to apply some discounts. Yep.","start_word":5022,"end_word":5448,"sentiment":"neutral","sentiment_score":0.03634177641376016},{"text":"Cool. That's Cool. cool.","start_word":5449,"end_word":5452,"sentiment":"positive","sentiment_score":0.544840395450592},{"text":"And the all important question is, are you comfortable with our services? Are you happy for us to continue looking after things? Oh, yeah. Definitely. Yeah.","start_word":5453,"end_word":5478,"sentiment":"neutral","sentiment_score":0.227256640791893},{"text":"No trouble being all good news.","start_word":5479,"end_word":5484,"sentiment":"positive","sentiment_score":0.3896872401237488},{"text":"It's Can't promise you it'll always be good good. news. There'll always No. be No. something It popping won't up always in the world. be, but, you know, plan for the best. I hope for the worst. I hope for the best. Get the right That's way the around. one. And whenever something does happen, my job is essentially to walk you through what the options are, what's happened. And the main thing for us is just don't leave something in a bad state for multiple years in a row.","start_word":5485,"end_word":5574,"sentiment":"neutral","sentiment_score":0.0035918366629630327},{"text":"If you can make a few changes here and there as the world changes, keep it on track. It should be sweet.","start_word":5575,"end_word":5596,"sentiment":"positive","sentiment_score":0.4177817702293396},{"text":"Yeah. The only thing Cool. I've really got going on at the moment other than that, other things I've already spoken about, it's just paying off a new tax debt because my last company I worked for stuffed it all up. No. They left me with a nice it was a $12.5 bill. That wasn't very Oh, impressed. no. Yeah. So that's the other thing I'm now paying off for that. I didn't realize I was gonna have to pay off because I thought they were doing my books right. Gotcha. Very I've added frustrating. that one in, but that's okay. So we've got the vehicle loan, the tax debt, the mortgage, and then, awesome, straight into the unit after that. Yep. Yep. Hopefully yeah. I'm not sure how long that'll take me to get rid of it, but at least my tax return will when I when that goes into it, it'll take off a couple of grand, hopefully. And then Yeah. Yep. Fair chunk out of it. take a little chunk and then yeah. And then I'll just I've just got it on a a weekly payment thing. Sorry. Fortnight, Yep. like, Pays fortnightly Yep. now. And that actually does remind me one last question I've got for you is previous company did do some salary sacrifice, but I just made a note from earlier in the conversation that we weren't going to do any additional contributions to Suba because you've got your kind of three step cash flow plan. Did Yep. you want me to look at anything like that or just leave it alone until those goals are achieved? I'll probably leave it alone at the moment. Yeah. Just because we gotta try to get a few things sorted. Maybe in December, we could look at it. But, yeah, at the moment, definitely not. Yep. No. That's totally Yeah. fair. Can't be locking funds away until age 60 when you've got all these things to sort out. Yeah. And I think it was actually because they did my salary sacrificing.","start_word":5597,"end_word":5940,"sentiment":"neutral","sentiment_score":-0.042037188454509475},{"text":"They screwed it all up because I ended up getting double taxed Out.","start_word":5941,"end_word":5953,"sentiment":"negative","sentiment_score":-0.428523063659668},{"text":"on everything. Oh, So right.","start_word":5954,"end_word":5958,"sentiment":"neutral","sentiment_score":-0.14600634574890137},{"text":"I wasn't very impressed because they put me into a thing saying I was not earning that much and then changed it.","start_word":5959,"end_word":5980,"sentiment":"negative","sentiment_score":-0.4575777351856232},{"text":"Something else.","start_word":5981,"end_word":5982,"sentiment":"neutral","sentiment_score":-0.2973141074180603},{"text":"I was had a big massive argument with the ATO about it.","start_word":5983,"end_word":5994,"sentiment":"negative","sentiment_score":-0.35321179032325745},{"text":"But I was like, well, this is what they did. This what you owe. This is what you should have paid. I'm like, right. Damn. He's like, it's all on the graph. So I'm like, yeah, I can see it. It's all Yeah. black That's and a white. lovely It's obvious. roof. Yeah. Oh, man. Alright. So a Nothing I few can do things. about it. So it's just live and learn.","start_word":5995,"end_word":6066,"sentiment":"neutral","sentiment_score":-0.16361944377422333},{"text":"Don't trust them at their offices.","start_word":6067,"end_word":6072,"sentiment":"negative","sentiment_score":-0.4709610342979431},{"text":"Because sometimes they don't actually put it incorrectly. Yeah. Actually, I do have someone coming into the office this afternoon who had salary sacrifice going for, like, three years. And then one time, they coded it wrong as a personal contribution right after Yep. we had done a big lump sum, like, 360,000 into super using up all their caps, and it just triggered that overpayment, messed the whole strategy up. So now he's gotta pull $200 back out again. Yep. Pretty much exactly what sort of not not those sort of numbers, which I would love it to be, but, you know, but, yeah, similar scenario, but they did it with a vehicle allowance that they were giving me. They were supposed to take tax out of it, but they weren't. They were just giving me a full vehicle allowance amount of money every week. They were every pay. And, yeah, they didn't have put any tax on it. So I'm getting a huge amount of money, and then I was gonna, oh, shit. By the way, you've gotta pay all of this now. You didn't pay Right. anything. So fringe And then I benefits got interest tax, on top is of that what it. you got hit with? Yeah. I got hit with that one, and there was some other Jeez. I forgot what it's called. There's two of them. And then I got fines as well for doing it. And I'm like, well, I didn't actually do it. Technically, they should get the fine, not me. But anyway Yeah.","start_word":6073,"end_word":6334,"sentiment":"neutral","sentiment_score":-0.13464674501473667},{"text":"Philip, you're you're the criminal, mate.","start_word":6335,"end_word":6340,"sentiment":"negative","sentiment_score":-0.3631496727466583},{"text":"Just watch out. They're coming yeah. Yeah. after That's you. it. That's that's it.","start_word":6341,"end_word":6354,"sentiment":"neutral","sentiment_score":-0.10378969460725784},{"text":"Bloody It is hell. what it is.","start_word":6355,"end_word":6361,"sentiment":"negative","sentiment_score":-0.47724220156669617},{"text":"I thought I I thought I actually did think I stuffed it all up and I was like, oh. But I actually didn't do any other than sign the form to say yes. I will accept the payment. Oh, man. Yep. It is Righty. what it is. Yeah. Mate, any questions for me before I let you go? No. That's good. For now.","start_word":6362,"end_word":6424,"sentiment":"neutral","sentiment_score":-0.07071305811405182},{"text":"It's all sound it's all sounding pretty good at the moment. So we'll keep moving along and, yeah, catch up later in the year.","start_word":6425,"end_word":6448,"sentiment":"positive","sentiment_score":0.3769703730940819},{"text":"Yep. Anything else pop up in between, just give us a buzz and let us know. But I've got all that file noted in there for our next catch up. And if there's anything else you need, just, yeah, let us know. Yeah.","start_word":6449,"end_word":6491,"sentiment":"neutral","sentiment_score":0.21048371493816376},{"text":"Will do, man. Thank you very much for your time. Awesome, Phil. I'll leave that pack with you there, mate.","start_word":6492,"end_word":6511,"sentiment":"positive","sentiment_score":0.6522493362426758},{"text":"If you have any trouble with the digital authorization, I'll get Michelle to give you a buzz next week and and see how you go. Yeah. No dramas at all.","start_word":6512,"end_word":6541,"sentiment":"neutral","sentiment_score":0.27578067779541016},{"text":"Thanks for that. Awesome. Have a great weekend, mate. Thank you so You much. too, mate.","start_word":6542,"end_word":6557,"sentiment":"positive","sentiment_score":0.7478598952293396},{"text":"Bye. Bye.","start_word":6558,"end_word":6559,"sentiment":"neutral","sentiment_score":0.25783824920654297}],"average":{"sentiment":"neutral","sentiment_score":0.033365959440546336}}}}