{"metadata":{"transaction_key":"deprecated","request_id":"01a069a9-f32a-7742-b3a8-c99daa987f66","sha256":"b74eb60426f7588c34dacf54aa8d0947f8252ccbee6bdb08f8097d8f2ae1fb96","created":"2026-09-03T23:45:42.850Z","duration":1939.464,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":6766,"output_tokens":136},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":7718,"output_tokens":7733},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":7718,"output_tokens":904}},"results":{"channels":[{"alternatives":[{"transcript":"Hey. I'm not too sure what happened there. You cut out of me. Yeah. I don't know why. Where where does it cut out? Yeah. Yep. Okay. So what I'll do is let's let's let's just yeah. No. That's okay. What I'll do is I'll send you through a a a couple documents just to give you an idea of what the breakdown is regarding your regarding your insurances, but also the performance in the defensive portfolio within your Up twenty four account. I don't know if you've have you logged in to Hub twenty four recently? Or Okay. It's Absolutely. Yeah. Yep. It's time when when there is when it's time to go, it's time to go. You know? We definitely take action when the market is favorable, and that's at the moment. And if you look at your Hub twenty four portfolio, you can see since inception, I believe it was January September 2023. That's how long you've been here for. Wow. Crazy. Over that time, you've actually achieved better than the benchmark, and you've done, like, total return in those three years of 40.3%. So I'll show you that in a sec. Yeah. Yeah. It's a really, really strong return. So I just want to get this report up because one of my favorite reports is in in your actual documents. So one second. Account reports. There we go. But other than that, I've got everything else sorted out. So did this did this stroke happen towards the end or in the beginning of the holiday? Yeah. Okay. Okay. Well, while I'm getting these documents up, I'll let you know. So that income protection claim, you've got a ninety day waiting waiting period. So that's that's three months. How long has it been since you've been off work? Okay. I reckon we should make a claim as soon as possible. Because if you're not looking at going because after ninety days, you'll get paid in arrears for the next for the next month, for the next thirty days. So pretty much as of next month, you or the date of incidents, ninety days after, from that moment on, you'll be paid $19,771.75 every month. Yes. Okay. So that that's where the catch is. But it's it's what what happens is they will essentially if you if you if they pay you less or sick leave or anything like that runs up, they will top it up to whatever that benefits of your income protection some insured is for. But we can get to that when we after we submit the claim. I think we should just find some time to run through that. Now I need some time to I'll do it today. Just submit that insurance up insurance claim process, get that get that going. And then on, I think, on Monday, we could probably catch up again, and we can just, you know, break it all down, get it all sorted out, and we'll I'll let you know a little bit more of an update on what happens from there. But, essentially, not only do we write the insurances, we also we also wanna make sure that we do the claims as well. Because insurance companies, we all know they absolutely love taking your money, but when it comes time to claim, they don't like really paying it up that much. They make it difficult. So when you've when you've got somebody that knows the definitions and how it works, you know, they usually don't even put up a fight. So that leave that into our hands. We'll we'll get that claim sorted out for you. Perfect. You've also got total permanent disability. So for whatever reason, if you are unable to perform your usual duties of work due to injury or illness moving forward, you will we could we could more than likely be able to claim on a total permanent disability claim, which is $901,591 at the moment. So that's that's that's a good option as well depending on the severity. Okay. So so you do have options and which is good. So, yeah, it's definitely definitely something to consider, especially on grabbing care plus insurance. It's it's always one of those things you you don't expect to happen. But when it does, you wanna make sure you protect it, then you are, which is good. Yeah. Mhmm. Just trying to quickly throw this document in. There we go. There we go. There we go. And that is from inception. Yep. Open. I just wanna show you an inception report because this year has been a little bit how do I say? It's been a little bit strange. That's why we've been moving assets so much. But what I wanna do is put that there. There we go. Done. Send. I'm sending this now in segment. Are you in front of a computer? Do you have your email stickers? No. IPad iPad's fine. Just on your email from the Gmail. So stegas71@gmail dot com. Patty and let's see. Beautiful. Alright. It's somewhere out there in the ether webs, so let me know when you let me know when you have received it. Beautiful. Amazing. So you wanna click on the review documents? No. That's okay. That's okay. It's alright. Take your time. Amazing. So when you open yeah. So you want so you wanna open up the documents, and the first document you should be looking at is that summary of superannuation as of the 09/03/2026. In the email of from OPU Otisign, it's our own CRM, you should have a little big kind of purple or blue button that says review documents. You got that? Yep. Click on that and all yep. Sign documents. And then, like yep. No. That's okay. Take your time. Okay. What I will do is I might I might send you an email. And Yeah. Of course. Of course. Good morning. As discussed, please see the attached. Oh, we also need a ongoing service agreement signed again as well. There we go. So we'll get that signed up on, but that's okay. There we go. One. Two. We'll do three. We will do and extract. Why not? There we go. There we go. There we go. Okay. So I'm just just uploading those to an email. So valernda and it's b dot stegman? Correct. Yeah. Gotcha. Perfect. So just sending that through now. Let me know when you've received it. They also it's it's in that same email chain correspondence when letting me know about the incident as well. What I'll do is I might actually just try and send you one. Let's do a DocuSign. Bam, bam, bam. Sign. I'll try and upload another one and send it through so that we can see if I can upload OSA just so we can get this ongoing service agreement signed. Insurance claims are pretty full up. Got it. Beautiful. And I like to get paid too. Everybody likes that. Everyone likes that. I've got people. The funny thing is it's not even for me most time, I just pay everybody else, keeping the lights on. But there we go. Let's start with the first one. There we go. Sorry. I'm just sending you through here. Just sending you through that Odoo sign again, so you should be able to receive a second one. But, yeah, it's only gonna have that ongoing service agreement to sign off on. So, hopefully, that's because it doesn't have so much data in it, maybe that would be able to load quicker. Not too sure, but at least it's worth a try. Yep. Now you have you opened up the first attachment? The summary form. Correct. Perfect. So now this is where you're currently at. So, you know, the hub 24 and the ANZ Super, we retained that for the purposes of insurances. You still got that, you know, 62 picking up. This was done as of the twenty fifth of the eleventh of last year. We do definitely need to get an ATP updated. That's according authority to proceed. We just haven't got that signed off on, so we couldn't do the research as of recently. But we can get that signed off on just to confirm the IP or income protection as well as life and TPD as well. But you can see you've got, you know, your income protection policy has that nineteen day wait. Now what's important to note is we we just need to get the claim sorted out. I'll get that submitted today, but I will just let's get this sooner rather than later. Even though you got a ninety day ninety day waiting period, it's always better to get the claim in. Get it get it try and get it approved pre ninety days because then, you know, they don't have to backdate anything on it. It's just it's just better that way. So if you are unable to work for essentially two years, you'll be paid that slump sum. Keep in mind that that is taxed to 19 thousand $771 as an income stream. So it will be added to a taxable income. So you'll be taxed on your marginal rate for that, but it's better than nothing. And, look, realistically, if you are unable to perform your usual duties of work for for more than two years, then you're more than likely not gonna be able to go back to work at all. And if that's the case, your income protection policy will run out, and then we'll apply for a TPD claim. So that's how they kind of work together. But, yeah, IP is definitely something that we wanna look at, but that gives you a breakdown of where everything's at. Does that do you have any question more questions about that income protection? Or I'm sorry. I'm sorry. I missed that one. Okay. What what was the thing is they they actually provide you. So the insurance company is the it's in their best interest not to not to not to pay you for the full two years. So they can more often than not, they actually assist with, you know, specialists and things like that. So you don't have to pay for anything or anything anything along those lines. Yeah. Correct. So they they they wanna help you. Mhmm. Absolutely. Yep. A 100%. Yeah. Exactly. So but look. You you are protected. I will have to send out a authority to proceed. And what I will do is if you can get that signed up on, that'll be amazing. I'll get in touch with Maddie straight away. That's first and foremost, and then we can submit this claim. And then on Monday, let's just book it. Are you gonna be available on Monday just for a quick chat? Or amazing. Amazing. K. No. That's okay. So what about what about 12:00? Does midday sound right? Or Beautiful call, Ian and Belinda Bergman with updates on IP claim. Not a problem. I put that in my calendar. So that's 12:00. Or can I do 12:00? Let's get this time right. So 12:00, I'll put it in for my time, so that's 10AM your time. Beautiful. Beautiful. Perfect. Perfect. Alright. There we go. There we go. And now so that gives you the summary of everything, gives you a few few options, hopefully, because you have a little bit of peace of mind. If you go on to the next attachment, that's just the performance of your super fund. I know it's it's it's been it's been pretty average this year. The reason for that, it's done 6.57%. So you're you're still up, and that's net of these costs and rebates. So you still have a total earnings of $75,360 in the last twelve months, which is not that far that 6.57 percent is not where we wanna be. We wanted a projection of about 10 and a half we worked on a projection of about 10 and a half percent net of fees. So what I did is I took the next if you open up the next attachment, that is a from inception report. And if you look at the from inception report, this is it's performance with internal rate of return, IRR. And if you go to the second page of that second report, that portfolio over the time that you've been invested has essentially achieved a 11.57% rolling average or since you've been on board. So so for three years, essentially. Pretty much bang on. It was the twenty fifth of the ninth when the fund opened. So, yeah, it's it's it's doing better than expected over the long term. Yeah. Does that make sense? Or beautiful. We like I said, we don't have the performance reports or anything for ANZ, so I will get that sent out today. So keep your eye on after this call, keep your eye on the keep your eye on the emails. And then if you when you you should receive it about five, ten minutes after this this conversation. And if you can sign that, they'll come back to us. You'll get a copy of it, and we'll send it off to AIMT. So we could just update the figures and then just initiate the claims process. Alright? But overall, everything's ticking along exactly. It's doing it's ticking along better than expected. From a from a superannuation performance point of view, should I say, could be better without the without the insurance claim. But, hey, at least you're having a conversation to do it. Right? Amazing. Now they have a they have a couple of documents. It's just in a a Vanguard index chart to give you an idea of time versus risk as well as our updated overview services guide. Look, it like I said, if it's not broken, don't fix it. We've we've already allocated assets appropriately with the new portfolio, and everything is doing what it's supposed to be doing. And really I'm really happy with because you you're not in a very high growth environment. You're in a you're in a moderate growth environment. So your your assets are actually invested with defensive exposure as well, And you're still achieving eleven eleven and a half percent on average per annum net of fees, cost, and rebates. So I'm I'm really happy with that return considering that portfolio. You know, most industry funds sit around 7% net of fees. So if you're doing 4%, that's amazing. And if you can log in to your Hub twenty four year, you should be able to see a graph that kind of tracks against what we call the benchmark. The benchmark is the top 300 Australian shares. In Australia, domestic shares. And you in your with defensive assets have are are tracking, you've actually achieved a better return, slightly better return than the actual index, which is incredible having defensive assets involved. Does that make sense, or did I just ramble a lot of words? Yeah. Got Yes. Yeah. Yeah. Absolutely. It's one of those things that you just always put on the background until something happens. Yep. So if you want a comprehensive will, I can refer you over to a lawyer, a family lawyer. They will they will be able to draw you up a pretty comprehensive estate planning concept. But if if you don't wanna spend this it's a it's a few grand, a few couple thousand dollars, if you want a really comprehensive one. And, obviously, depending on how sophisticated your situation is, if you got companies and all that, obviously, it costs more. And go online. Go online. Just I think it's there's there's there's kinda it's it's probably, I can think, a $100 something. You can fill out some fully legally binding estate planning will and power of attorney online. Yeah. It's a Google thing. Let me show up. One second. I'll just have a look. Online. Will. Everyone Australia is number one will platform. Here we go. Yeah. Make your Australian Will online is Morris Blackburn one, which is pretty good. Fixed price, $160 for individuals, $240 for couples. So I have a look at that. But if you did want me to make that referral, I can definitely I I would probably refer you over to CJM Law, who is our commercial. They actually did my family law when I went through my separation. I can't speak highly enough about them. Yeah. If it's not if it's not that complex and you got you you just kind of, you know, you don't have any estranged family members, then more than that, I think a a online will through, say, Morris Blackburn or someone like that would would be sufficient. Have a look. Absolutely. Yeah. It bugs everybody. It even bugs me. I've talked to Nate. Mine have been needs to update it since separation four years ago. So it's one of those it's always one of those things. But, yeah, look, that everything's tracking along how it's supposed to be. Like like you've seen, we've we've moved assets appropriately just to kind of accommodate and cushion we call it cushioning for the market environment. But, yeah, 11 and a half percent net of fees is is an incredible return for your kind of portfolio. More importantly, have you received the do you have any questions? Are you happy with everything? I really wanna get this income protection claim on the way. Yeah. Yeah. Absolutely. It should. Yeah. Understood. What is it? What is it like? Mhmm. Alright. Well, how old are you at the moment? Okay. Yeah. Yeah. Fifty four. Well, you've you've got the fruits of the labor showing through your super funds. Now it's a matter of just identifying your I think we should just get on this income protection claim as soon as possible because then you've got two years to kind of for us to plan. We can get you get your you know, since you have that pushed out, we can work on strategies to be able to facilitate the right income you need to be able to get to age 60. And when you get to age 60, you can start drawing down from your superannuation. Keep in mind, if you get a TPD claim, that's another $900. So after when it comes to two years of being on that income protection claim, then I'd wanna go down the track of saying, look. He's not gonna go back to work, and then they'll give you $900 to push you out until the age of 60, if not further. And then you can start drawing down from super, and we can start looking at those drawdown and account based pension strategies as well. So there we we're essentially it's gonna be kind of like a hybrid approach to where we can utilize the insurance policies, pre retirement. And then when you get the payment from the insurance policies, you can then essentially be retired in itself. Does that does that make sense? Or Yeah. So we just we just need to get this claim underway. That's it. First and foremost. Yep. Yes. Yep. Yep. Okay. Yep. Yep. Absolutely. Okay. So with the sterling, sterling goes I think it's, like, $1.81.0.9, something like that. No money. So you're you're looking at about $1,819,000 dollars there. So we can definitely if you is it in Australian dollars at the moment, or is it still still in power? Yep. Yep. Yep. No. That's okay. We just need to get converts to AUD, and then what we can do is we can actually we can we can set up an investment portfolio for you. We can create a within Hub 24, we can link it to Ian's account or your account, which is gonna be the most tax effective. Are you working at the moment, Linda or? Gotcha. Who makes the best the highest income? Yeah. For sure. Well, with current events, it's you gotta ask the question. Okay. What we'd probably do is we would create a IDPS and we'll link it to a family IDPS, to Family Hub 24 maybe, if that is appropriate product for you. And then what we can do is essentially yeah. We can we can just create investment portfolio, get that money working harder for you. If you need it, we could just sell it down. Oh, I agree. We can just sell it down. If you wanted money a little bit more liquid, we can just do we can just do ETFs, exchange traded funds. It's just yeah. And it can just sit there and tick along. So we can create that portfolio for you. Did you would you like me let yeah. Let's have let's have a catch up on Monday. We'll go through complete this income protection claim. We will then talk about the movement of, pardon me, of your foreign exchange securities, and then we'll create that investment portfolio. We'll link it to here in sub 24 account. Oh, no. We won't. Sorry. It'll be oh, we could probably link it to your account. And then I'll just have a look at what that looks like, whatever's gonna be the lowest in fees so that doesn't need to weigh too much. And, yeah, then we can just get that invested. We'll write up a statement of advice and make that happen for you. Amazing. Yep. We can we can one step at a time. Let's do this nice and slow. Let's do the most important thing first, which is gonna be that IP claim. Yeah. No. That's alright. We got a bit of a game plan. Are you happy with that? Are you happy with that, Ian? Amazing. Cool. I've sent you through that ongoing service agreement again. Just just to your email, sir. It's just the hub twenty four o s a. Do you mind jumping into your emails and just having a look at that and seeing if there is the if that if you've got that receipt there? There's still there's nothing's changing from what it was before, the same that same percentage base fee. So, obviously, the more money you make, the more money we make. Yay. And everybody's happy, and you've got a pretty high balance of numbers We everyone's happy. No. It shouldn't make a difference. Yeah. I'm not too I'm not too sure why it's doing that. Let's just see if I've got a hub 24. Hey. Sorry. A DocuSign account. Okay. There you go. Next. Next. I'm just trying to see it. Yeah. And maybe just give it a refresh. Did it come through to your did it come through to your personal email or weird. Yeah. I'm not I'm not too sure what's going on there. What do you is there any way that you'd be able to sign it digitally with a Adobe PDF? Or yeah. Beautiful. Beautiful. What I'll do is I'll just e I will email it through. Yeah. Correct. Correct. There we go. There we go. Hi, Ian. Please see attached for your for your sign in and return. So I'm just gonna make these emails. Not not not too professional, nice and short and sweet because we all know what what's going on. Beautiful. There we go. Alright. And I'm gonna cc my colleagues in, so Madison as well as Caden. And if you can just respond to that, preferably reply to all, that would be great. But if not, it's alright. I'll I'll receive it and I'll save it up and send it off. I've just sent that through to you. But outside of that, yep, let me just finish up this call. If you can if I can get that signed and sent back for the ongoing service agreements to get paid for the work, that'll be great. And what I'll do is I'll get in touch with the I'll send off that. You should receive an email. I'll send it through via email as well just to get this ongoing service agreement signed up when you receive it from Maddie. Okay? And once you get that back, we can we can essentially get in touch with them and start working with them to get this claims process underway and get back in touch on Monday. Beautiful. Awesome, guys. Well, I'm really sorry to hear about the the bad news, but the good part is that you are covered. So let's let's let's just make sure that, you know, all those premiums. Insurances, they're those things you pay all this money for, and the best outcome is nothing happens. But if something happens, you wanna make sure that you're covered. You wanna make sure that you're covered for enough and you are covered. Absolutely. Well, the the best thing about these income protection claims in Australia, especially, is they're really good. Like, income protection is a really, really good product. So So much so that they actually do change on the 10/05/2021. Actually, it changed all the all the laws and all the all the definitions and everything around them because they they were too good. The companies are losing too much money. So that and that yeah. And that policy has been around for a while, so I'd like to know if it's grandfathered or anything. I just wanna dig a little bit deeper into the policy itself because you might have a lot of extra benefits in there. But the whole purpose of that is part of those extra benefits is you can actually you can they they they essentially you you can in the within the it's hard to say. Within the definitions, you can get benefits included, like add ons, which includes, you know, professional assistance, you know, osteopaths. You can get all sorts of neurological professionals. You can you can get a lot of extras with that policy, but I just don't know what they are just yet. So that's why we need to kinda yeah. Yeah. So you exactly. Exactly. And they do this all the time. So they can they can help you and guide you in the right direction as well. Yes. So they'll hold your hand. Amazing. Alright. Well, let me get to work. Thank you for your time. Always a pleasure, never a chore, and I will speak to you on Monday. Awesome. Thanks for your time, guys. See you. 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I'm not too sure what happened there. You cut out of me. Yeah. I don't know why.\n\nWhere where does it cut out? Yeah. Yep. Okay. So what I'll do is let's let's let's just yeah.\n\nNo. That's okay. What I'll do is I'll send you through a a a couple documents just to give you an idea of what the breakdown is regarding your regarding your insurances, but also the performance in the defensive portfolio within your Up twenty four account. I don't know if you've have you logged in to Hub twenty four recently? Or Okay.\n\nIt's Absolutely. Yeah. Yep. It's time when when there is when it's time to go, it's time to go. You know?\n\nWe definitely take action when the market is favorable, and that's at the moment. And if you look at your Hub twenty four portfolio, you can see since inception, I believe it was January September 2023. That's how long you've been here for. Wow. Crazy.\n\nOver that time, you've actually achieved better than the benchmark, and you've done, like, total return in those three years of 40.3%. So I'll show you that in a sec. Yeah. Yeah. It's a really, really strong return.\n\nSo I just want to get this report up because one of my favorite reports is in in your actual documents. So one second. Account reports. There we go. But other than that, I've got everything else sorted out.\n\nSo did this did this stroke happen towards the end or in the beginning of the holiday? Yeah. Okay. Okay. Well, while I'm getting these documents up, I'll let you know.\n\nSo that income protection claim, you've got a ninety day waiting waiting period. So that's that's three months. How long has it been since you've been off work? Okay. I reckon we should make a claim as soon as possible.\n\nBecause if you're not looking at going because after ninety days, you'll get paid in arrears for the next for the next month, for the next thirty days. So pretty much as of next month, you or the date of incidents, ninety days after, from that moment on, you'll be paid $19,771.75 every month. Yes. Okay. So that that's where the catch is.\n\nBut it's it's what what happens is they will essentially if you if you if they pay you less or sick leave or anything like that runs up, they will top it up to whatever that benefits of your income protection some insured is for. But we can get to that when we after we submit the claim. I think we should just find some time to run through that. Now I need some time to I'll do it today. Just submit that insurance up insurance claim process, get that get that going.\n\nAnd then on, I think, on Monday, we could probably catch up again, and we can just, you know, break it all down, get it all sorted out, and we'll I'll let you know a little bit more of an update on what happens from there. But, essentially, not only do we write the insurances, we also we also wanna make sure that we do the claims as well. Because insurance companies, we all know they absolutely love taking your money, but when it comes time to claim, they don't like really paying it up that much. They make it difficult. So when you've when you've got somebody that knows the definitions and how it works, you know, they usually don't even put up a fight.\n\nSo that leave that into our hands. We'll we'll get that claim sorted out for you. Perfect. You've also got total permanent disability. So for whatever reason, if you are unable to perform your usual duties of work due to injury or illness moving forward, you will we could we could more than likely be able to claim on a total permanent disability claim, which is $901,591 at the moment.\n\nSo that's that's that's a good option as well depending on the severity. Okay. So so you do have options and which is good. So, yeah, it's definitely definitely something to consider, especially on grabbing care plus insurance. It's it's always one of those things you you don't expect to happen.\n\nBut when it does, you wanna make sure you protect it, then you are, which is good. Yeah. Mhmm. Just trying to quickly throw this document in. There we go.\n\nThere we go. There we go. And that is from inception. Yep. Open.\n\nI just wanna show you an inception report because this year has been a little bit how do I say? It's been a little bit strange. That's why we've been moving assets so much. But what I wanna do is put that there. There we go.\n\nDone. Send. I'm sending this now in segment. Are you in front of a computer? Do you have your email stickers?\n\nNo. IPad iPad's fine. Just on your email from the Gmail. So stegas71@gmail dot com. Patty and let's see.\n\nBeautiful. Alright. It's somewhere out there in the ether webs, so let me know when you let me know when you have received it. Beautiful. Amazing.\n\nSo you wanna click on the review documents? No. That's okay. That's okay. It's alright.\n\nTake your time. Amazing. So when you open yeah. So you want so you wanna open up the documents, and the first document you should be looking at is that summary of superannuation as of the 09/03/2026. In the email of from OPU Otisign, it's our own CRM, you should have a little big kind of purple or blue button that says review documents.\n\nYou got that? Yep. Click on that and all yep. Sign documents. And then, like yep.\n\nNo. That's okay. Take your time. Okay. What I will do is I might I might send you an email.\n\nAnd Yeah. Of course. Of course. Good morning. As discussed, please see the attached.\n\nOh, we also need a ongoing service agreement signed again as well. There we go. So we'll get that signed up on, but that's okay. There we go. One.\n\nTwo. We'll do three. We will do and extract. Why not? There we go.\n\nThere we go. There we go. Okay. So I'm just just uploading those to an email. So valernda and it's b dot stegman?\n\nCorrect. Yeah. Gotcha. Perfect. So just sending that through now.\n\nLet me know when you've received it. They also it's it's in that same email chain correspondence when letting me know about the incident as well. What I'll do is I might actually just try and send you one. Let's do a DocuSign. Bam, bam, bam.\n\nSign. I'll try and upload another one and send it through so that we can see if I can upload OSA just so we can get this ongoing service agreement signed. Insurance claims are pretty full up. Got it. Beautiful.\n\nAnd I like to get paid too. Everybody likes that. Everyone likes that. I've got people. The funny thing is it's not even for me most time, I just pay everybody else, keeping the lights on.\n\nBut there we go. Let's start with the first one. There we go. Sorry. I'm just sending you through here.\n\nJust sending you through that Odoo sign again, so you should be able to receive a second one. But, yeah, it's only gonna have that ongoing service agreement to sign off on. So, hopefully, that's because it doesn't have so much data in it, maybe that would be able to load quicker. Not too sure, but at least it's worth a try. Yep.\n\nNow you have you opened up the first attachment? The summary form. Correct. Perfect. So now this is where you're currently at.\n\nSo, you know, the hub 24 and the ANZ Super, we retained that for the purposes of insurances. You still got that, you know, 62 picking up. This was done as of the twenty fifth of the eleventh of last year. We do definitely need to get an ATP updated. That's according authority to proceed.\n\nWe just haven't got that signed off on, so we couldn't do the research as of recently. But we can get that signed off on just to confirm the IP or income protection as well as life and TPD as well. But you can see you've got, you know, your income protection policy has that nineteen day wait. Now what's important to note is we we just need to get the claim sorted out. I'll get that submitted today, but I will just let's get this sooner rather than later.\n\nEven though you got a ninety day ninety day waiting period, it's always better to get the claim in. Get it get it try and get it approved pre ninety days because then, you know, they don't have to backdate anything on it. It's just it's just better that way. So if you are unable to work for essentially two years, you'll be paid that slump sum. Keep in mind that that is taxed to 19 thousand $771 as an income stream.\n\nSo it will be added to a taxable income. So you'll be taxed on your marginal rate for that, but it's better than nothing. And, look, realistically, if you are unable to perform your usual duties of work for for more than two years, then you're more than likely not gonna be able to go back to work at all. And if that's the case, your income protection policy will run out, and then we'll apply for a TPD claim. So that's how they kind of work together.\n\nBut, yeah, IP is definitely something that we wanna look at, but that gives you a breakdown of where everything's at. Does that do you have any question more questions about that income protection? Or I'm sorry. I'm sorry. I missed that one.\n\nOkay. What what was the thing is they they actually provide you. So the insurance company is the it's in their best interest not to not to not to pay you for the full two years. So they can more often than not, they actually assist with, you know, specialists and things like that. So you don't have to pay for anything or anything anything along those lines.\n\nYeah. Correct. So they they they wanna help you. Mhmm. Absolutely.\n\nYep. A 100%. Yeah. Exactly. So but look.\n\nYou you are protected. I will have to send out a authority to proceed. And what I will do is if you can get that signed up on, that'll be amazing. I'll get in touch with Maddie straight away. That's first and foremost, and then we can submit this claim.\n\nAnd then on Monday, let's just book it. Are you gonna be available on Monday just for a quick chat? Or amazing. Amazing. K.\n\nNo. That's okay. So what about what about 12:00? Does midday sound right? Or Beautiful call, Ian and Belinda Bergman with updates on IP claim.\n\nNot a problem. I put that in my calendar. So that's 12:00. Or can I do 12:00? Let's get this time right.\n\nSo 12:00, I'll put it in for my time, so that's 10AM your time. Beautiful. Beautiful. Perfect. Perfect.\n\nAlright. There we go. There we go. And now so that gives you the summary of everything, gives you a few few options, hopefully, because you have a little bit of peace of mind. If you go on to the next attachment, that's just the performance of your super fund.\n\nI know it's it's it's been it's been pretty average this year. The reason for that, it's done 6.57%. So you're you're still up, and that's net of these costs and rebates. So you still have a total earnings of $75,360 in the last twelve months, which is not that far that 6.57 percent is not where we wanna be. We wanted a projection of about 10 and a half we worked on a projection of about 10 and a half percent net of fees.\n\nSo what I did is I took the next if you open up the next attachment, that is a from inception report. And if you look at the from inception report, this is it's performance with internal rate of return, IRR. And if you go to the second page of that second report, that portfolio over the time that you've been invested has essentially achieved a 11.57% rolling average or since you've been on board. So so for three years, essentially. Pretty much bang on.\n\nIt was the twenty fifth of the ninth when the fund opened. So, yeah, it's it's it's doing better than expected over the long term. Yeah. Does that make sense? Or beautiful.\n\nWe like I said, we don't have the performance reports or anything for ANZ, so I will get that sent out today. So keep your eye on after this call, keep your eye on the keep your eye on the emails. And then if you when you you should receive it about five, ten minutes after this this conversation. And if you can sign that, they'll come back to us. You'll get a copy of it, and we'll send it off to AIMT.\n\nSo we could just update the figures and then just initiate the claims process. Alright? But overall, everything's ticking along exactly. It's doing it's ticking along better than expected. From a from a superannuation performance point of view, should I say, could be better without the without the insurance claim.\n\nBut, hey, at least you're having a conversation to do it. Right? Amazing. Now they have a they have a couple of documents. It's just in a a Vanguard index chart to give you an idea of time versus risk as well as our updated overview services guide.\n\nLook, it like I said, if it's not broken, don't fix it. We've we've already allocated assets appropriately with the new portfolio, and everything is doing what it's supposed to be doing. And really I'm really happy with because you you're not in a very high growth environment. You're in a you're in a moderate growth environment. So your your assets are actually invested with defensive exposure as well, And you're still achieving eleven eleven and a half percent on average per annum net of fees, cost, and rebates.\n\nSo I'm I'm really happy with that return considering that portfolio. You know, most industry funds sit around 7% net of fees. So if you're doing 4%, that's amazing. And if you can log in to your Hub twenty four year, you should be able to see a graph that kind of tracks against what we call the benchmark. The benchmark is the top 300 Australian shares.\n\nIn Australia, domestic shares. And you in your with defensive assets have are are tracking, you've actually achieved a better return, slightly better return than the actual index, which is incredible having defensive assets involved. Does that make sense, or did I just ramble a lot of words? Yeah. Got Yes.\n\nYeah. Yeah. Absolutely. It's one of those things that you just always put on the background until something happens. Yep.\n\nSo if you want a comprehensive will, I can refer you over to a lawyer, a family lawyer. They will they will be able to draw you up a pretty comprehensive estate planning concept. But if if you don't wanna spend this it's a it's a few grand, a few couple thousand dollars, if you want a really comprehensive one. And, obviously, depending on how sophisticated your situation is, if you got companies and all that, obviously, it costs more. And go online.\n\nGo online. Just I think it's there's there's there's kinda it's it's probably, I can think, a $100 something. You can fill out some fully legally binding estate planning will and power of attorney online. Yeah. It's a Google thing.\n\nLet me show up. One second. I'll just have a look. Online. Will.\n\nEveryone Australia is number one will platform. Here we go. Yeah. Make your Australian Will online is Morris Blackburn one, which is pretty good. Fixed price, $160 for individuals, $240 for couples.\n\nSo I have a look at that. But if you did want me to make that referral, I can definitely I I would probably refer you over to CJM Law, who is our commercial. They actually did my family law when I went through my separation. I can't speak highly enough about them. Yeah.\n\nIf it's not if it's not that complex and you got you you just kind of, you know, you don't have any estranged family members, then more than that, I think a a online will through, say, Morris Blackburn or someone like that would would be sufficient. Have a look. Absolutely. Yeah. It bugs everybody.\n\nIt even bugs me. I've talked to Nate. Mine have been needs to update it since separation four years ago. So it's one of those it's always one of those things. But, yeah, look, that everything's tracking along how it's supposed to be.\n\nLike like you've seen, we've we've moved assets appropriately just to kind of accommodate and cushion we call it cushioning for the market environment. But, yeah, 11 and a half percent net of fees is is an incredible return for your kind of portfolio. More importantly, have you received the do you have any questions? Are you happy with everything? I really wanna get this income protection claim on the way.\n\nYeah. Yeah. Absolutely. It should. Yeah.\n\nUnderstood. What is it? What is it like? Mhmm. Alright.\n\nWell, how old are you at the moment? Okay. Yeah. Yeah. Fifty four.\n\nWell, you've you've got the fruits of the labor showing through your super funds. Now it's a matter of just identifying your I think we should just get on this income protection claim as soon as possible because then you've got two years to kind of for us to plan. We can get you get your you know, since you have that pushed out, we can work on strategies to be able to facilitate the right income you need to be able to get to age 60. And when you get to age 60, you can start drawing down from your superannuation. Keep in mind, if you get a TPD claim, that's another $900.\n\nSo after when it comes to two years of being on that income protection claim, then I'd wanna go down the track of saying, look. He's not gonna go back to work, and then they'll give you $900 to push you out until the age of 60, if not further. And then you can start drawing down from super, and we can start looking at those drawdown and account based pension strategies as well. So there we we're essentially it's gonna be kind of like a hybrid approach to where we can utilize the insurance policies, pre retirement. And then when you get the payment from the insurance policies, you can then essentially be retired in itself.\n\nDoes that does that make sense? Or Yeah. So we just we just need to get this claim underway. That's it. First and foremost.\n\nYep. Yes. Yep. Yep. Okay.\n\nYep. Yep. Absolutely. Okay. So with the sterling, sterling goes I think it's, like, $1.81.0.9, something like that.\n\nNo money. So you're you're looking at about $1,819,000 dollars there. So we can definitely if you is it in Australian dollars at the moment, or is it still still in power? Yep. Yep.\n\nYep. No. That's okay. We just need to get converts to AUD, and then what we can do is we can actually we can we can set up an investment portfolio for you. We can create a within Hub 24, we can link it to Ian's account or your account, which is gonna be the most tax effective.\n\nAre you working at the moment, Linda or? Gotcha. Who makes the best the highest income? Yeah. For sure.\n\nWell, with current events, it's you gotta ask the question. Okay. What we'd probably do is we would create a IDPS and we'll link it to a family IDPS, to Family Hub 24 maybe, if that is appropriate product for you. And then what we can do is essentially yeah. We can we can just create investment portfolio, get that money working harder for you.\n\nIf you need it, we could just sell it down. Oh, I agree. We can just sell it down. If you wanted money a little bit more liquid, we can just do we can just do ETFs, exchange traded funds. It's just yeah.\n\nAnd it can just sit there and tick along. So we can create that portfolio for you. Did you would you like me let yeah. Let's have let's have a catch up on Monday. We'll go through complete this income protection claim.\n\nWe will then talk about the movement of, pardon me, of your foreign exchange securities, and then we'll create that investment portfolio. We'll link it to here in sub 24 account. Oh, no. We won't. Sorry.\n\nIt'll be oh, we could probably link it to your account. And then I'll just have a look at what that looks like, whatever's gonna be the lowest in fees so that doesn't need to weigh too much. And, yeah, then we can just get that invested. We'll write up a statement of advice and make that happen for you. Amazing.\n\nYep. We can we can one step at a time. Let's do this nice and slow. Let's do the most important thing first, which is gonna be that IP claim. Yeah.\n\nNo. That's alright. We got a bit of a game plan. Are you happy with that? Are you happy with that, Ian?\n\nAmazing. Cool. I've sent you through that ongoing service agreement again. Just just to your email, sir. It's just the hub twenty four o s a.\n\nDo you mind jumping into your emails and just having a look at that and seeing if there is the if that if you've got that receipt there? There's still there's nothing's changing from what it was before, the same that same percentage base fee. So, obviously, the more money you make, the more money we make. Yay. And everybody's happy, and you've got a pretty high balance of numbers We everyone's happy.\n\nNo. It shouldn't make a difference. Yeah. I'm not too I'm not too sure why it's doing that. Let's just see if I've got a hub 24.\n\nHey. Sorry. A DocuSign account. Okay. There you go.\n\nNext. Next. I'm just trying to see it. Yeah. And maybe just give it a refresh.\n\nDid it come through to your did it come through to your personal email or weird. Yeah. I'm not I'm not too sure what's going on there. What do you is there any way that you'd be able to sign it digitally with a Adobe PDF? Or yeah.\n\nBeautiful. Beautiful. What I'll do is I'll just e I will email it through. Yeah. Correct.\n\nCorrect. There we go. There we go. Hi, Ian. Please see attached for your for your sign in and return.\n\nSo I'm just gonna make these emails. Not not not too professional, nice and short and sweet because we all know what what's going on. Beautiful. There we go. Alright.\n\nAnd I'm gonna cc my colleagues in, so Madison as well as Caden. And if you can just respond to that, preferably reply to all, that would be great. But if not, it's alright. I'll I'll receive it and I'll save it up and send it off. I've just sent that through to you.\n\nBut outside of that, yep, let me just finish up this call. If you can if I can get that signed and sent back for the ongoing service agreements to get paid for the work, that'll be great. And what I'll do is I'll get in touch with the I'll send off that. You should receive an email. I'll send it through via email as well just to get this ongoing service agreement signed up when you receive it from Maddie.\n\nOkay? And once you get that back, we can we can essentially get in touch with them and start working with them to get this claims process underway and get back in touch on Monday. Beautiful. Awesome, guys. Well, I'm really sorry to hear about the the bad news, but the good part is that you are covered.\n\nSo let's let's let's just make sure that, you know, all those premiums. Insurances, they're those things you pay all this money for, and the best outcome is nothing happens. But if something happens, you wanna make sure that you're covered. You wanna make sure that you're covered for enough and you are covered. Absolutely.\n\nWell, the the best thing about these income protection claims in Australia, especially, is they're really good. Like, income protection is a really, really good product. So So much so that they actually do change on the 10/05/2021. Actually, it changed all the all the laws and all the all the definitions and everything around them because they they were too good. The companies are losing too much money.\n\nSo that and that yeah. And that policy has been around for a while, so I'd like to know if it's grandfathered or anything. I just wanna dig a little bit deeper into the policy itself because you might have a lot of extra benefits in there. But the whole purpose of that is part of those extra benefits is you can actually you can they they they essentially you you can in the within the it's hard to say. Within the definitions, you can get benefits included, like add ons, which includes, you know, professional assistance, you know, osteopaths.\n\nYou can get all sorts of neurological professionals. You can you can get a lot of extras with that policy, but I just don't know what they are just yet. So that's why we need to kinda yeah. Yeah. So you exactly.\n\nExactly. And they do this all the time. So they can they can help you and guide you in the right direction as well. Yes. So they'll hold your hand.\n\nAmazing. Alright. Well, let me get to work. Thank you for your time. Always a pleasure, never a chore, and I will speak to you on Monday.\n\nAwesome. Thanks for your time, guys. See you. Bye.","paragraphs":[{"sentences":[{"text":"Hey.","start":2.72,"end":3.04,"sentiment":"neutral","sentiment_score":-0.04984845966100693},{"text":"I'm not too sure what happened there.","start":3.04,"end":4.64,"sentiment":"neutral","sentiment_score":-0.2468220442533493},{"text":"You cut out of me.","start":4.64,"end":5.8599997,"sentiment":"neutral","sentiment_score":-0.253450408577919},{"text":"Yeah.","start":8.0,"end":8.4,"sentiment":"neutral","sentiment_score":-0.22497600317001343},{"text":"I don't know why.","start":8.4,"end":9.2,"sentiment":"neutral","sentiment_score":-0.26701152697205544}],"sentiment":"neutral","sentiment_score":-0.2409931624101268,"num_words":18,"start":2.72,"end":9.2},{"sentences":[{"text":"Where where does it cut out?","start":9.2,"end":10.66,"sentiment":"neutral","sentiment_score":-0.22158990055322647},{"text":"Yeah.","start":20.755,"end":21.235,"sentiment":"neutral","sentiment_score":-0.039928190410137177},{"text":"Yep.","start":21.235,"end":21.735,"sentiment":"neutral","sentiment_score":-0.009209983050823212},{"text":"Okay.","start":22.115,"end":22.615,"sentiment":"neutral","sentiment_score":0.003826758824288845},{"text":"So what I'll do is let's let's let's just yeah.","start":23.154999,"end":25.314999,"sentiment":"neutral","sentiment_score":0.0037926181219518186}],"sentiment":"neutral","sentiment_score":-0.07036445456507959,"num_words":19,"start":9.2,"end":25.314999},{"sentences":[{"text":"No.","start":25.314999,"end":25.474998,"sentiment":"neutral","sentiment_score":-0.11334647238254549},{"text":"That's okay.","start":25.474998,"end":26.215,"sentiment":"neutral","sentiment_score":-0.015521494671702385},{"text":"What I'll do is I'll send you through a a a couple documents just to give you an idea of what the breakdown is regarding your regarding your insurances, but also the performance in the defensive portfolio within your Up twenty four account.","start":26.994999,"end":41.1,"sentiment":"neutral","sentiment_score":0.103501784333656},{"text":"I don't know if you've have you logged in to Hub twenty four recently?","start":41.864998,"end":44.524998,"sentiment":"neutral","sentiment_score":-0.028639512402670726},{"text":"Or Okay.","start":44.585,"end":47.324997,"sentiment":"neutral","sentiment_score":-0.042233206797391176}],"sentiment":"neutral","sentiment_score":0.061625285119178794,"num_words":62,"start":25.314999,"end":47.324997},{"sentences":[{"text":"It's Absolutely.","start":47.545,"end":55.245,"sentiment":"neutral","sentiment_score":0.002239413559436798},{"text":"Yeah.","start":55.464996,"end":55.86,"sentiment":"neutral","sentiment_score":0.08719837665557861},{"text":"Yep.","start":56.18,"end":56.420002,"sentiment":"neutral","sentiment_score":0.12252887338399888},{"text":"It's time when when there is when it's time to go, it's time to go.","start":56.420002,"end":61.86,"sentiment":"neutral","sentiment_score":0.07691222280263901},{"text":"You know?","start":61.86,"end":62.440002,"sentiment":"neutral","sentiment_score":0.03753914125263691}],"sentiment":"neutral","sentiment_score":0.06871274770015762,"num_words":21,"start":47.545,"end":62.440002},{"sentences":[{"text":"We definitely take action when the market is favorable, and that's at the moment.","start":62.66,"end":68.42,"sentiment":"neutral","sentiment_score":0.16713449305721692},{"text":"And if you look at your Hub twenty four portfolio, you can see since inception, I believe it was January September 2023.","start":68.42,"end":75.525,"sentiment":"neutral","sentiment_score":0.11610983176664873},{"text":"That's how long you've been here for.","start":75.525,"end":76.805,"sentiment":"neutral","sentiment_score":0.15431014341967447},{"text":"Wow.","start":76.805,"end":77.045,"sentiment":"positive","sentiment_score":0.4378664195537567},{"text":"Crazy.","start":77.045,"end":77.545,"sentiment":"positive","sentiment_score":0.49736031889915466}],"sentiment":"neutral","sentiment_score":0.15354882097906536,"num_words":45,"start":62.66,"end":77.545},{"sentences":[{"text":"Over that time, you've actually achieved better than the benchmark, and you've done, like, total return in those three years of 40.3%.","start":77.685,"end":86.905,"sentiment":"positive","sentiment_score":0.5300656706094742},{"text":"So I'll show you that in a sec.","start":87.479996,"end":89.18,"sentiment":"neutral","sentiment_score":0.17694643884897232},{"text":"Yeah.","start":89.479996,"end":89.799995,"sentiment":"neutral","sentiment_score":0.3254316449165344},{"text":"Yeah.","start":89.799995,"end":90.04,"sentiment":"positive","sentiment_score":0.4399850368499756},{"text":"It's a really, really strong return.","start":90.04,"end":91.899994,"sentiment":"positive","sentiment_score":0.6518804629643759}],"sentiment":"positive","sentiment_score":0.4672030453619204,"num_words":38,"start":77.685,"end":91.899994},{"sentences":[{"text":"So I just want to get this report up because one of my favorite reports is in in your actual documents.","start":93.399994,"end":101.104996,"sentiment":"positive","sentiment_score":0.38363916462376},{"text":"So one second.","start":101.405,"end":103.104996,"sentiment":"neutral","sentiment_score":0.06208988527456919},{"text":"Account reports.","start":103.645,"end":104.445,"sentiment":"neutral","sentiment_score":0.09816449508070946},{"text":"There we go.","start":104.445,"end":105.165,"sentiment":"neutral","sentiment_score":0.06763825565576553},{"text":"But other than that, I've got everything else sorted out.","start":105.165,"end":108.045,"sentiment":"neutral","sentiment_score":0.03171575851738453}],"sentiment":"neutral","sentiment_score":0.22972034500577512,"num_words":39,"start":93.399994,"end":108.045},{"sentences":[{"text":"So did this did this stroke happen towards the end or in the beginning of the holiday?","start":108.045,"end":112.225,"sentiment":"neutral","sentiment_score":-0.07332079046789337},{"text":"Yeah.","start":127.5,"end":127.815,"sentiment":"neutral","sentiment_score":-0.06270992755889893},{"text":"Okay.","start":136.935,"end":137.175,"sentiment":"neutral","sentiment_score":-0.03257874771952629},{"text":"Okay.","start":137.175,"end":137.675,"sentiment":"neutral","sentiment_score":0.01086008921265602},{"text":"Well, while I'm getting these documents up, I'll let you know.","start":137.895,"end":140.295,"sentiment":"neutral","sentiment_score":0.04648261026225307}],"sentiment":"neutral","sentiment_score":-0.026437848746295897,"num_words":31,"start":108.045,"end":140.295},{"sentences":[{"text":"So that income protection claim, you've got a ninety day waiting waiting period.","start":140.295,"end":145.53,"sentiment":"neutral","sentiment_score":-0.04558413676344431},{"text":"So that's that's three months.","start":145.53,"end":147.20999,"sentiment":"neutral","sentiment_score":-0.06899723783135414},{"text":"How long has it been since you've been off work?","start":147.20999,"end":149.87,"sentiment":"neutral","sentiment_score":-0.1267663560807705},{"text":"Okay.","start":155.085,"end":155.585,"sentiment":"neutral","sentiment_score":0.007673131301999092},{"text":"I reckon we should make a claim as soon as possible.","start":156.605,"end":159.825,"sentiment":"neutral","sentiment_score":0.11565748906948349}],"sentiment":"neutral","sentiment_score":-0.023133450420573354,"num_words":40,"start":140.295,"end":159.825},{"sentences":[{"text":"Because if you're not looking at going because after ninety days, you'll get paid in arrears for the next for the next month, for the next thirty days.","start":160.205,"end":167.64,"sentiment":"neutral","sentiment_score":-0.17705792401518142},{"text":"So pretty much as of next month, you or the date of incidents, ninety days after, from that moment on, you'll be paid $19,771.75 every month.","start":167.96,"end":179.81999,"sentiment":"neutral","sentiment_score":-0.06229019566224171},{"text":"Yes.","start":183.415,"end":183.915,"sentiment":"neutral","sentiment_score":0.043960630893707275},{"text":"Okay.","start":191.97499,"end":192.295,"sentiment":"neutral","sentiment_score":-0.03838079422712326},{"text":"So that that's where the catch is.","start":192.295,"end":194.25,"sentiment":"neutral","sentiment_score":-0.03811805748513767}],"sentiment":"neutral","sentiment_score":-0.108546246434488,"num_words":63,"start":160.205,"end":194.25},{"sentences":[{"text":"But it's it's what what happens is they will essentially if you if you if they pay you less or sick leave or anything like that runs up, they will top it up to whatever that benefits of your income protection some insured is for.","start":194.49,"end":210.975,"sentiment":"neutral","sentiment_score":0.026846822930706872},{"text":"But we can get to that when we after we submit the claim.","start":211.035,"end":213.515,"sentiment":"neutral","sentiment_score":0.07507452024863316},{"text":"I think we should just find some time to run through that.","start":213.515,"end":216.095,"sentiment":"neutral","sentiment_score":0.09885212654868762},{"text":"Now I need some time to I'll do it today.","start":216.155,"end":219.035,"sentiment":"neutral","sentiment_score":0.14447201788425446},{"text":"Just submit that insurance up insurance claim process, get that get that going.","start":219.035,"end":223.74,"sentiment":"neutral","sentiment_score":0.1433371712382023}],"sentiment":"neutral","sentiment_score":0.07181080342620931,"num_words":93,"start":194.49,"end":223.74},{"sentences":[{"text":"And then on, I think, on Monday, we could probably catch up again, and we can just, you know, break it all down, get it all sorted out, and we'll I'll let you know a little bit more of an update on what happens from there.","start":223.74,"end":233.82,"sentiment":"neutral","sentiment_score":0.1078220262678097},{"text":"But, essentially, not only do we write the insurances, we also we also wanna make sure that we do the claims as well.","start":233.82,"end":241.295,"sentiment":"neutral","sentiment_score":0.007600051396445412},{"text":"Because insurance companies, we all know they absolutely love taking your money, but when it comes time to claim, they don't like really paying it up that much.","start":241.295,"end":248.975,"sentiment":"neutral","sentiment_score":-0.15356079395860434},{"text":"They make it difficult.","start":248.975,"end":249.955,"sentiment":"negative","sentiment_score":-0.34786998480558395},{"text":"So when you've when you've got somebody that knows the definitions and how it works, you know, they usually don't even put up a fight.","start":250.095,"end":256.24,"sentiment":"neutral","sentiment_score":-0.24600376129150392}],"sentiment":"neutral","sentiment_score":-0.05322747469772511,"num_words":126,"start":223.74,"end":256.24},{"sentences":[{"text":"So that leave that into our hands.","start":256.24,"end":258.26,"sentiment":"neutral","sentiment_score":-0.20854437351226807},{"text":"We'll we'll get that claim sorted out for you.","start":259.04,"end":261.62,"sentiment":"neutral","sentiment_score":-0.031360085846649274},{"text":"Perfect.","start":263.04,"end":263.54,"sentiment":"positive","sentiment_score":0.5030384063720703},{"text":"You've also got total permanent disability.","start":263.76498,"end":265.845,"sentiment":"neutral","sentiment_score":0.11924461647868156},{"text":"So for whatever reason, if you are unable to perform your usual duties of work due to injury or illness moving forward, you will we could we could more than likely be able to claim on a total permanent disability claim, which is $901,591 at the moment.","start":265.845,"end":282.33002,"sentiment":"neutral","sentiment_score":0.10544526933672581}],"sentiment":"neutral","sentiment_score":0.06331974824092218,"num_words":70,"start":256.24,"end":282.33002},{"sentences":[{"text":"So that's that's that's a good option as well depending on the severity.","start":282.33002,"end":287.07,"sentiment":"neutral","sentiment_score":0.19578431775936714},{"text":"Okay.","start":289.37,"end":289.69,"sentiment":"neutral","sentiment_score":0.13319885730743408},{"text":"So so you do have options and which is good.","start":289.69,"end":292.91,"sentiment":"neutral","sentiment_score":0.2870644420385361},{"text":"So, yeah, it's definitely definitely something to consider, especially on grabbing care plus insurance.","start":293.395,"end":299.07498,"sentiment":"neutral","sentiment_score":0.3137709956083979},{"text":"It's it's always one of those things you you don't expect to happen.","start":299.07498,"end":302.275,"sentiment":"neutral","sentiment_score":0.09169900560608277}],"sentiment":"neutral","sentiment_score":0.21831216509727872,"num_words":51,"start":282.33002,"end":302.275},{"sentences":[{"text":"But when it does, you wanna make sure you protect it, then you are, which is good.","start":302.275,"end":305.82,"sentiment":"neutral","sentiment_score":0.21362524698762334},{"text":"Yeah.","start":309.0,"end":309.32,"sentiment":"neutral","sentiment_score":0.1323469877243042},{"text":"Mhmm.","start":309.32,"end":309.82,"sentiment":"neutral","sentiment_score":0.052268147468566895},{"text":"Just trying to quickly throw this document in.","start":310.84,"end":313.32,"sentiment":"neutral","sentiment_score":0.03135466272942722},{"text":"There we go.","start":313.32,"end":313.8,"sentiment":"neutral","sentiment_score":0.04337175562977791}],"sentiment":"neutral","sentiment_score":0.13990656342357397,"num_words":30,"start":302.275,"end":313.8},{"sentences":[{"text":"There we go.","start":313.8,"end":314.2,"sentiment":"neutral","sentiment_score":0.036223851765195526},{"text":"There we go.","start":314.2,"end":315.02,"sentiment":"neutral","sentiment_score":0.03365465998649597},{"text":"And that is from inception.","start":315.96,"end":317.5,"sentiment":"neutral","sentiment_score":0.030000253394246102},{"text":"Yep.","start":317.72,"end":318.2,"sentiment":"neutral","sentiment_score":0.05340656265616417},{"text":"Open.","start":318.2,"end":318.7,"sentiment":"neutral","sentiment_score":0.05116841197013855}],"sentiment":"neutral","sentiment_score":0.03570859821943136,"num_words":13,"start":313.8,"end":318.7},{"sentences":[{"text":"I just wanna show you an inception report because this year has been a little bit how do I say?","start":319.56,"end":326.585,"sentiment":"neutral","sentiment_score":0.045353484153747556},{"text":"It's been a little bit strange.","start":326.585,"end":328.425,"sentiment":"neutral","sentiment_score":-0.05233432476719221},{"text":"That's why we've been moving assets so much.","start":328.425,"end":330.76498,"sentiment":"neutral","sentiment_score":-0.0059387009823694825},{"text":"But what I wanna do is put that there.","start":332.10498,"end":335.56,"sentiment":"neutral","sentiment_score":0.025390293449163437},{"text":"There we go.","start":335.56,"end":336.36,"sentiment":"neutral","sentiment_score":0.020066219692428906}],"sentiment":"neutral","sentiment_score":0.01813620492896956,"num_words":46,"start":319.56,"end":336.36},{"sentences":[{"text":"Done.","start":336.36,"end":336.84,"sentiment":"neutral","sentiment_score":0.029449239373207092},{"text":"Send.","start":336.84,"end":337.24,"sentiment":"neutral","sentiment_score":0.0138893723487854},{"text":"I'm sending this now in segment.","start":337.24,"end":338.91998,"sentiment":"neutral","sentiment_score":0.016854370168099802},{"text":"Are you in front of a computer?","start":338.91998,"end":340.19998,"sentiment":"neutral","sentiment_score":0.002392028591462544},{"text":"Do you have your email stickers?","start":340.19998,"end":342.46,"sentiment":"neutral","sentiment_score":-0.003105020150542259}],"sentiment":"neutral","sentiment_score":0.0067894719984559785,"num_words":21,"start":336.36,"end":342.46},{"sentences":[{"text":"No.","start":344.52,"end":344.84,"sentiment":"neutral","sentiment_score":-0.02762766182422638},{"text":"IPad iPad's fine.","start":344.84,"end":346.19998,"sentiment":"neutral","sentiment_score":0.022388128874202568},{"text":"Just on your email from the Gmail.","start":346.19998,"end":347.8,"sentiment":"neutral","sentiment_score":0.021331007991518294},{"text":"So stegas71@gmail dot com.","start":347.8,"end":353.70502,"sentiment":"neutral","sentiment_score":0.012206817045807838},{"text":"Patty and let's see.","start":354.325,"end":356.74503,"sentiment":"neutral","sentiment_score":0.048114468809217215}],"sentiment":"neutral","sentiment_score":0.022638890745216293,"num_words":19,"start":344.52,"end":356.74503},{"sentences":[{"text":"Beautiful.","start":358.64502,"end":359.14502,"sentiment":"positive","sentiment_score":0.625420868396759},{"text":"Alright.","start":363.06,"end":363.46,"sentiment":"neutral","sentiment_score":0.3252265155315399},{"text":"It's somewhere out there in the ether webs, so let me know when you let me know when you have received it.","start":363.46,"end":372.91998,"sentiment":"neutral","sentiment_score":0.1756403398784724},{"text":"Beautiful.","start":375.415,"end":375.915,"sentiment":"positive","sentiment_score":0.6848037242889404},{"text":"Amazing.","start":376.135,"end":376.535,"sentiment":"positive","sentiment_score":0.5662461519241333}],"sentiment":"neutral","sentiment_score":0.23329941297952944,"num_words":26,"start":358.64502,"end":376.535},{"sentences":[{"text":"So you wanna click on the review documents?","start":376.535,"end":378.395,"sentiment":"neutral","sentiment_score":0.09490439062938094},{"text":"No.","start":385.655,"end":385.895,"sentiment":"neutral","sentiment_score":-0.049346089363098145},{"text":"That's okay.","start":385.895,"end":386.635,"sentiment":"neutral","sentiment_score":-0.016878056805580854},{"text":"That's okay.","start":387.9,"end":390.25436,"sentiment":"neutral","sentiment_score":0.00851562200114131},{"text":"It's alright.","start":391.60873,"end":393.9631,"sentiment":"neutral","sentiment_score":0.06188208609819412}],"sentiment":"neutral","sentiment_score":0.054461889217297235,"num_words":15,"start":376.535,"end":393.9631},{"sentences":[{"text":"Take your time.","start":395.3175,"end":399.52625,"sentiment":"neutral","sentiment_score":0.11918015281359355},{"text":"Amazing.","start":400.8806,"end":401.3806,"sentiment":"positive","sentiment_score":0.4983227550983429},{"text":"So when you open yeah.","start":410.25497,"end":411.85498,"sentiment":"neutral","sentiment_score":0.024190695583820344},{"text":"So you want so you wanna open up the documents, and the first document you should be looking at is that summary of superannuation as of the 09/03/2026.","start":411.85498,"end":420.28,"sentiment":"neutral","sentiment_score":0.03283986116626433},{"text":"In the email of from OPU Otisign, it's our own CRM, you should have a little big kind of purple or blue button that says review documents.","start":427.46,"end":437.005,"sentiment":"neutral","sentiment_score":0.017839040124305972}],"sentiment":"neutral","sentiment_score":0.037156045116716996,"num_words":64,"start":395.3175,"end":437.005},{"sentences":[{"text":"You got that?","start":438.745,"end":439.38498,"sentiment":"neutral","sentiment_score":0.01151178777217865},{"text":"Yep.","start":439.38498,"end":439.625,"sentiment":"neutral","sentiment_score":0.014421290718019009},{"text":"Click on that and all yep.","start":439.625,"end":442.745,"sentiment":"neutral","sentiment_score":0.015072602157791456},{"text":"Sign documents.","start":442.745,"end":443.565,"sentiment":"neutral","sentiment_score":0.0003775903023779392},{"text":"And then, like yep.","start":444.18,"end":448.13,"sentiment":"neutral","sentiment_score":-0.0070034959353506565}],"sentiment":"neutral","sentiment_score":0.007008341490291059,"num_words":16,"start":438.745,"end":448.13},{"sentences":[{"text":"No.","start":462.265,"end":462.505,"sentiment":"neutral","sentiment_score":-0.1075642704963684},{"text":"That's okay.","start":462.505,"end":462.98502,"sentiment":"neutral","sentiment_score":-0.08680949732661247},{"text":"Take your time.","start":462.98502,"end":463.965,"sentiment":"neutral","sentiment_score":-0.042930878698825836},{"text":"Okay.","start":486.375,"end":486.875,"sentiment":"neutral","sentiment_score":-0.03844551742076874},{"text":"What I will do is I might I might send you an email.","start":487.655,"end":493.51498,"sentiment":"neutral","sentiment_score":0.0033880530928189936}],"sentiment":"neutral","sentiment_score":-0.020218836423009635,"num_words":20,"start":462.265,"end":493.51498},{"sentences":[{"text":"And Yeah.","start":495.495,"end":500.55,"sentiment":"neutral","sentiment_score":0.01993737369775772},{"text":"Of course.","start":500.55,"end":500.95,"sentiment":"neutral","sentiment_score":0.03066868707537651},{"text":"Of course.","start":500.95,"end":501.61002,"sentiment":"neutral","sentiment_score":0.05089748278260231},{"text":"Good morning.","start":502.95,"end":503.69,"sentiment":"neutral","sentiment_score":0.1263328716158867},{"text":"As discussed, please see the attached.","start":505.11,"end":510.075,"sentiment":"neutral","sentiment_score":0.06225773009161154}],"sentiment":"neutral","sentiment_score":0.05922994363520827,"num_words":14,"start":495.495,"end":510.075},{"sentences":[{"text":"Oh, we also need a ongoing service agreement signed again as well.","start":511.27502,"end":515.135,"sentiment":"neutral","sentiment_score":0.04382260702550411},{"text":"There we go.","start":515.835,"end":517.03503,"sentiment":"neutral","sentiment_score":0.021176148826877277},{"text":"So we'll get that signed up on, but that's okay.","start":517.03503,"end":520.075,"sentiment":"neutral","sentiment_score":0.03499569892883301},{"text":"There we go.","start":520.075,"end":520.895,"sentiment":"neutral","sentiment_score":0.022493641823530197},{"text":"One.","start":520.955,"end":521.455,"sentiment":"neutral","sentiment_score":0.007922464981675148}],"sentiment":"neutral","sentiment_score":0.03499172794921645,"num_words":29,"start":511.27502,"end":521.455},{"sentences":[{"text":"Two.","start":526.81,"end":527.13,"sentiment":"neutral","sentiment_score":0.006847118493169546},{"text":"We'll do three.","start":527.13,"end":528.67,"sentiment":"neutral","sentiment_score":0.009254146677752336},{"text":"We will do and extract.","start":529.53,"end":533.07,"sentiment":"neutral","sentiment_score":0.0022506315261125566},{"text":"Why not?","start":533.29,"end":534.01,"sentiment":"neutral","sentiment_score":-0.02769031934440136},{"text":"There we go.","start":534.01,"end":534.57,"sentiment":"neutral","sentiment_score":-0.003365286315480868}],"sentiment":"neutral","sentiment_score":-0.001400984391303999,"num_words":14,"start":526.81,"end":534.57},{"sentences":[{"text":"There we go.","start":534.57,"end":534.97003,"sentiment":"neutral","sentiment_score":0.004850716640551885},{"text":"There we go.","start":534.97003,"end":535.71,"sentiment":"neutral","sentiment_score":0.009272136415044466},{"text":"Okay.","start":535.93,"end":536.25,"sentiment":"neutral","sentiment_score":0.002682875841856003},{"text":"So I'm just just uploading those to an email.","start":536.25,"end":539.495,"sentiment":"neutral","sentiment_score":0.04427943233814505},{"text":"So valernda and it's b dot stegman?","start":539.495,"end":548.395,"sentiment":"neutral","sentiment_score":0.016802607769412652}],"sentiment":"neutral","sentiment_score":0.024399329584253872,"num_words":23,"start":534.57,"end":548.395},{"sentences":[{"text":"Correct.","start":550.56,"end":551.06,"sentiment":"neutral","sentiment_score":0.024020683020353317},{"text":"Yeah.","start":552.32,"end":552.64,"sentiment":"neutral","sentiment_score":0.06559072434902191},{"text":"Gotcha.","start":552.64,"end":553.14,"sentiment":"neutral","sentiment_score":0.22768372297286987},{"text":"Perfect.","start":553.28,"end":553.78,"sentiment":"positive","sentiment_score":0.6343882083892822},{"text":"So just sending that through now.","start":554.4,"end":557.28,"sentiment":"positive","sentiment_score":0.3780401994784673}],"sentiment":"neutral","sentiment_score":0.3219924535602331,"num_words":10,"start":550.56,"end":557.28},{"sentences":[{"text":"Let me know when you've received it.","start":557.28,"end":558.56,"sentiment":"neutral","sentiment_score":0.22859234256403788},{"text":"They also it's it's in that same email chain correspondence when letting me know about the incident as well.","start":558.56,"end":569.885,"sentiment":"neutral","sentiment_score":0.13247511026106382},{"text":"What I'll do is I might actually just try and send you one.","start":569.885,"end":573.825,"sentiment":"neutral","sentiment_score":0.08780273565879235},{"text":"Let's do a DocuSign.","start":574.925,"end":576.065,"sentiment":"neutral","sentiment_score":0.07867256738245487},{"text":"Bam, bam, bam.","start":577.325,"end":578.145,"sentiment":"neutral","sentiment_score":0.11848013599713643}],"sentiment":"neutral","sentiment_score":0.12888564639117406,"num_words":46,"start":557.28,"end":578.145},{"sentences":[{"text":"Sign.","start":578.205,"end":578.705,"sentiment":"neutral","sentiment_score":0.07933743298053741},{"text":"I'll try and upload another one and send it through so that we can see if I can upload OSA just so we can get this ongoing service agreement signed.","start":578.765,"end":587.41,"sentiment":"neutral","sentiment_score":0.0768786999086539},{"text":"Insurance claims are pretty full up.","start":587.95,"end":589.95,"sentiment":"neutral","sentiment_score":-0.0894843867669503},{"text":"Got it.","start":589.95,"end":590.51,"sentiment":"positive","sentiment_score":0.3454069346189499},{"text":"Beautiful.","start":590.51,"end":591.01,"sentiment":"positive","sentiment_score":0.5907324552536011}],"sentiment":"neutral","sentiment_score":0.07825846085324883,"num_words":40,"start":578.205,"end":591.01},{"sentences":[{"text":"And I like to get paid too.","start":591.63,"end":593.49,"sentiment":"neutral","sentiment_score":0.20108498632907867},{"text":"Everybody likes that.","start":595.735,"end":596.615,"sentiment":"positive","sentiment_score":0.3826763927936554},{"text":"Everyone likes that.","start":596.615,"end":597.415,"sentiment":"positive","sentiment_score":0.44101302822430927},{"text":"I've got people.","start":597.415,"end":598.135,"sentiment":"neutral","sentiment_score":0.13924459119637808},{"text":"The funny thing is it's not even for me most time, I just pay everybody else, keeping the lights on.","start":598.135,"end":602.875,"sentiment":"neutral","sentiment_score":-0.05907463915646076}],"sentiment":"neutral","sentiment_score":0.08652511549492677,"num_words":36,"start":591.63,"end":602.875},{"sentences":[{"text":"But there we go.","start":604.295,"end":606.795,"sentiment":"neutral","sentiment_score":0.0056806865613907576},{"text":"Let's start with the first one.","start":610.04004,"end":611.66003,"sentiment":"neutral","sentiment_score":0.01646610163152218},{"text":"There we go.","start":614.2,"end":614.68005,"sentiment":"neutral","sentiment_score":0.026727940887212753},{"text":"Sorry.","start":614.68005,"end":614.92004,"sentiment":"neutral","sentiment_score":-0.030218401923775673},{"text":"I'm just sending you through here.","start":614.92004,"end":616.28,"sentiment":"neutral","sentiment_score":0.0059836677586038904}],"sentiment":"neutral","sentiment_score":0.010369339166209102,"num_words":20,"start":604.295,"end":616.28},{"sentences":[{"text":"Just sending you through that Odoo sign again, so you should be able to receive a second one.","start":616.28,"end":622.035,"sentiment":"neutral","sentiment_score":0.08118990291323927},{"text":"But, yeah, it's only gonna have that ongoing service agreement to sign off on.","start":622.51495,"end":627.71497,"sentiment":"neutral","sentiment_score":0.035129785271627564},{"text":"So, hopefully, that's because it doesn't have so much data in it, maybe that would be able to load quicker.","start":627.71497,"end":633.975,"sentiment":"neutral","sentiment_score":0.022683722153306007},{"text":"Not too sure, but at least it's worth a try.","start":634.035,"end":636.375,"sentiment":"neutral","sentiment_score":-0.034936698898673055},{"text":"Yep.","start":636.94,"end":637.18,"sentiment":"neutral","sentiment_score":0.048434607684612274}],"sentiment":"neutral","sentiment_score":0.0334282112381761,"num_words":63,"start":616.28,"end":637.18},{"sentences":[{"text":"Now you have you opened up the first attachment?","start":637.18,"end":639.36,"sentiment":"neutral","sentiment_score":0.026876171222991414},{"text":"The summary form.","start":642.45996,"end":643.68,"sentiment":"neutral","sentiment_score":0.044164699812730156},{"text":"Correct.","start":643.89996,"end":644.39996,"sentiment":"neutral","sentiment_score":0.05758753418922424},{"text":"Perfect.","start":646.3,"end":646.8,"sentiment":"positive","sentiment_score":0.3824829161167145},{"text":"So now this is where you're currently at.","start":646.86,"end":648.86,"sentiment":"neutral","sentiment_score":0.141386560164392}],"sentiment":"neutral","sentiment_score":0.08843375327573581,"num_words":22,"start":637.18,"end":648.86},{"sentences":[{"text":"So, you know, the hub 24 and the ANZ Super, we retained that for the purposes of insurances.","start":648.86,"end":655.575,"sentiment":"neutral","sentiment_score":0.08660983666777611},{"text":"You still got that, you know, 62 picking up.","start":655.875,"end":658.275,"sentiment":"neutral","sentiment_score":0.05447072313270635},{"text":"This was done as of the twenty fifth of the eleventh of last year.","start":658.275,"end":661.655,"sentiment":"neutral","sentiment_score":0.08824796282819339},{"text":"We do definitely need to get an ATP updated.","start":662.515,"end":666.115,"sentiment":"neutral","sentiment_score":0.19646912978755104},{"text":"That's according authority to proceed.","start":666.115,"end":667.97003,"sentiment":"neutral","sentiment_score":0.11701463460922241}],"sentiment":"neutral","sentiment_score":0.10250873434442011,"num_words":55,"start":648.86,"end":667.97003},{"sentences":[{"text":"We just haven't got that signed off on, so we couldn't do the research as of recently.","start":667.97003,"end":671.35004,"sentiment":"neutral","sentiment_score":-0.03003619151080356},{"text":"But we can get that signed off on just to confirm the IP or income protection as well as life and TPD as well.","start":671.73004,"end":677.91003,"sentiment":"neutral","sentiment_score":0.19429737515747547},{"text":"But you can see you've got, you know, your income protection policy has that nineteen day wait.","start":677.97003,"end":683.545,"sentiment":"neutral","sentiment_score":0.027978920323007247},{"text":"Now what's important to note is we we just need to get the claim sorted out.","start":683.925,"end":688.16504,"sentiment":"neutral","sentiment_score":0.0162903165910393},{"text":"I'll get that submitted today, but I will just let's get this sooner rather than later.","start":688.16504,"end":693.445,"sentiment":"neutral","sentiment_score":0.15636382391676307}],"sentiment":"neutral","sentiment_score":0.08211810713013014,"num_words":90,"start":667.97003,"end":693.445},{"sentences":[{"text":"Even though you got a ninety day ninety day waiting period, it's always better to get the claim in.","start":693.445,"end":698.38,"sentiment":"neutral","sentiment_score":0.06080284989193866},{"text":"Get it get it try and get it approved pre ninety days because then, you know, they don't have to backdate anything on it.","start":698.52,"end":705.64,"sentiment":"neutral","sentiment_score":0.1965904263779521},{"text":"It's just it's just better that way.","start":705.64,"end":707.265,"sentiment":"neutral","sentiment_score":0.15629732183047704},{"text":"So if you are unable to work for essentially two years, you'll be paid that slump sum.","start":707.425,"end":714.065,"sentiment":"negative","sentiment_score":-0.35095837274018454},{"text":"Keep in mind that that is taxed to 19 thousand $771 as an income stream.","start":714.065,"end":718.965,"sentiment":"neutral","sentiment_score":-0.060873117049535116}],"sentiment":"neutral","sentiment_score":0.0010745919695714626,"num_words":82,"start":693.445,"end":718.965},{"sentences":[{"text":"So it will be added to a taxable income.","start":719.10504,"end":721.185,"sentiment":"neutral","sentiment_score":-0.08042508239547412},{"text":"So you'll be taxed on your marginal rate for that, but it's better than nothing.","start":721.185,"end":724.98,"sentiment":"neutral","sentiment_score":-0.12280345807472864},{"text":"And, look, realistically, if you are unable to perform your usual duties of work for for more than two years, then you're more than likely not gonna be able to go back to work at all.","start":725.04,"end":737.375,"sentiment":"negative","sentiment_score":-0.42625003390842015},{"text":"And if that's the case, your income protection policy will run out, and then we'll apply for a TPD claim.","start":737.375,"end":742.355,"sentiment":"neutral","sentiment_score":-0.18055720049887897},{"text":"So that's how they kind of work together.","start":744.015,"end":745.615,"sentiment":"neutral","sentiment_score":0.133332384750247}],"sentiment":"neutral","sentiment_score":-0.23244731551544232,"num_words":88,"start":719.10504,"end":745.615},{"sentences":[{"text":"But, yeah, IP is definitely something that we wanna look at, but that gives you a breakdown of where everything's at.","start":745.615,"end":751.16,"sentiment":"neutral","sentiment_score":0.09868366838920684},{"text":"Does that do you have any question more questions about that income protection?","start":751.16,"end":754.36,"sentiment":"neutral","sentiment_score":-0.00806716328056959},{"text":"Or I'm sorry.","start":754.36,"end":779.47003,"sentiment":"neutral","sentiment_score":-0.0657321959733963},{"text":"I'm sorry.","start":779.85004,"end":780.33,"sentiment":"neutral","sentiment_score":-0.13293307274580002},{"text":"I missed that one.","start":780.33,"end":781.39,"sentiment":"neutral","sentiment_score":-0.1296076774597168}],"sentiment":"neutral","sentiment_score":0.022930010936634486,"num_words":43,"start":745.615,"end":781.39},{"sentences":[{"text":"Okay.","start":788.39496,"end":788.89496,"sentiment":"neutral","sentiment_score":0.034130752086639404},{"text":"What what was the thing is they they actually provide you.","start":790.875,"end":793.595,"sentiment":"neutral","sentiment_score":0.0720279843292453},{"text":"So the insurance company is the it's in their best interest not to not to not to pay you for the full two years.","start":793.595,"end":800.82,"sentiment":"neutral","sentiment_score":0.048834995521853365},{"text":"So they can more often than not, they actually assist with, you know, specialists and things like that.","start":801.06,"end":806.10004,"sentiment":"neutral","sentiment_score":0.2190461903810501},{"text":"So you don't have to pay for anything or anything anything along those lines.","start":806.10004,"end":809.4,"sentiment":"neutral","sentiment_score":0.2039512853537287}],"sentiment":"neutral","sentiment_score":0.12936217491241062,"num_words":68,"start":788.39496,"end":809.4},{"sentences":[{"text":"Yeah.","start":810.98,"end":811.3,"sentiment":"neutral","sentiment_score":0.3125634789466858},{"text":"Correct.","start":811.3,"end":811.7,"sentiment":"neutral","sentiment_score":0.3026648163795471},{"text":"So they they they wanna help you.","start":811.7,"end":813.345,"sentiment":"neutral","sentiment_score":0.2785013605441366},{"text":"Mhmm.","start":813.345,"end":813.845,"sentiment":"neutral","sentiment_score":0.08741423487663269},{"text":"Absolutely.","start":823.02496,"end":823.52496,"sentiment":"neutral","sentiment_score":0.13521474599838257}],"sentiment":"neutral","sentiment_score":0.25339698181910947,"num_words":11,"start":810.98,"end":823.52496},{"sentences":[{"text":"Yep.","start":823.90497,"end":824.225,"sentiment":"neutral","sentiment_score":0.12538689374923706},{"text":"A 100%.","start":824.225,"end":825.20496,"sentiment":"neutral","sentiment_score":0.13150843977928162},{"text":"Yeah.","start":828.99,"end":829.15,"sentiment":"neutral","sentiment_score":0.04082569852471352},{"text":"Exactly.","start":829.15,"end":829.65,"sentiment":"neutral","sentiment_score":0.08302812278270721},{"text":"So but look.","start":829.71,"end":830.43,"sentiment":"neutral","sentiment_score":0.05814571554462115}],"sentiment":"neutral","sentiment_score":0.08583684265613556,"num_words":8,"start":823.90497,"end":830.43},{"sentences":[{"text":"You you are protected.","start":830.43,"end":831.49,"sentiment":"neutral","sentiment_score":0.102220568805933},{"text":"I will have to send out a authority to proceed.","start":832.19,"end":835.33,"sentiment":"neutral","sentiment_score":0.10196445658802986},{"text":"And what I will do is if you can get that signed up on, that'll be amazing.","start":835.79004,"end":840.43,"sentiment":"positive","sentiment_score":0.364513577783809},{"text":"I'll get in touch with Maddie straight away.","start":840.43,"end":842.205,"sentiment":"neutral","sentiment_score":0.324636772274971},{"text":"That's first and foremost, and then we can submit this claim.","start":842.28503,"end":845.66504,"sentiment":"neutral","sentiment_score":0.20885702154853128}],"sentiment":"neutral","sentiment_score":0.2503955815732479,"num_words":50,"start":830.43,"end":845.66504},{"sentences":[{"text":"And then on Monday, let's just book it.","start":846.685,"end":848.28503,"sentiment":"neutral","sentiment_score":0.10516088455915451},{"text":"Are you gonna be available on Monday just for a quick chat?","start":848.28503,"end":850.60504,"sentiment":"neutral","sentiment_score":0.02555684217562278},{"text":"Or amazing.","start":850.60504,"end":853.585,"sentiment":"neutral","sentiment_score":0.12430789787322281},{"text":"Amazing.","start":853.885,"end":854.385,"sentiment":"neutral","sentiment_score":0.11130515486001968},{"text":"K.","start":857.61,"end":857.77,"sentiment":"neutral","sentiment_score":-0.05273021385073662}],"sentiment":"neutral","sentiment_score":0.060631663305684924,"num_words":24,"start":846.685,"end":857.77},{"sentences":[{"text":"No.","start":857.77,"end":857.93,"sentiment":"neutral","sentiment_score":-0.09006480872631073},{"text":"That's okay.","start":857.93,"end":858.57,"sentiment":"neutral","sentiment_score":-0.04150593280792236},{"text":"So what about what about 12:00?","start":858.57,"end":860.75,"sentiment":"neutral","sentiment_score":-0.00796463837226232},{"text":"Does midday sound right?","start":861.13,"end":862.33,"sentiment":"neutral","sentiment_score":-0.004919812083244324},{"text":"Or Beautiful call, Ian and Belinda Bergman with updates on IP claim.","start":862.33,"end":874.425,"sentiment":"neutral","sentiment_score":0.20715115793670216}],"sentiment":"neutral","sentiment_score":0.08981080569326877,"num_words":25,"start":857.77,"end":874.425},{"sentences":[{"text":"Not a problem.","start":874.425,"end":875.165,"sentiment":"neutral","sentiment_score":0.15157213062047958},{"text":"I put that in my calendar.","start":875.545,"end":876.665,"sentiment":"neutral","sentiment_score":0.09740768869717915},{"text":"So that's 12:00.","start":876.665,"end":877.96497,"sentiment":"neutral","sentiment_score":0.03646931114296118},{"text":"Or can I do 12:00?","start":878.105,"end":879.88495,"sentiment":"neutral","sentiment_score":0.010092054307460786},{"text":"Let's get this time right.","start":881.67,"end":882.95,"sentiment":"neutral","sentiment_score":0.028308101743459702}],"sentiment":"neutral","sentiment_score":0.06093505626036362,"num_words":22,"start":874.425,"end":882.95},{"sentences":[{"text":"So 12:00, I'll put it in for my time, so that's 10AM your time.","start":882.95,"end":887.45,"sentiment":"neutral","sentiment_score":0.022990672516503503},{"text":"Beautiful.","start":888.63,"end":889.13,"sentiment":"positive","sentiment_score":0.6085412502288818},{"text":"Beautiful.","start":889.27,"end":889.77,"sentiment":"positive","sentiment_score":0.7096455097198486},{"text":"Perfect.","start":889.91003,"end":890.31,"sentiment":"positive","sentiment_score":0.7225641012191772},{"text":"Perfect.","start":890.31,"end":890.81,"sentiment":"positive","sentiment_score":0.6263664960861206}],"sentiment":"neutral","sentiment_score":0.1660548206936154,"num_words":18,"start":882.95,"end":890.81},{"sentences":[{"text":"Alright.","start":891.67,"end":892.07,"sentiment":"neutral","sentiment_score":0.3107297420501709},{"text":"There we go.","start":892.07,"end":892.55,"sentiment":"neutral","sentiment_score":0.19677617152531943},{"text":"There we go.","start":892.55,"end":893.205,"sentiment":"neutral","sentiment_score":0.14822042485078177},{"text":"And now so that gives you the summary of everything, gives you a few few options, hopefully, because you have a little bit of peace of mind.","start":893.445,"end":899.465,"sentiment":"neutral","sentiment_score":0.3184132239332906},{"text":"If you go on to the next attachment, that's just the performance of your super fund.","start":899.925,"end":904.185,"sentiment":"neutral","sentiment_score":0.06594571215100586}],"sentiment":"neutral","sentiment_score":0.21996015943586827,"num_words":50,"start":891.67,"end":904.185},{"sentences":[{"text":"I know it's it's it's been it's been pretty average this year.","start":904.645,"end":908.57,"sentiment":"neutral","sentiment_score":0.028719683022548754},{"text":"The reason for that, it's done 6.57%.","start":909.51,"end":912.73,"sentiment":"neutral","sentiment_score":0.03978551232389042},{"text":"So you're you're still up, and that's net of these costs and rebates.","start":913.83,"end":917.21,"sentiment":"neutral","sentiment_score":0.062448894461760156},{"text":"So you still have a total earnings of $75,360 in the last twelve months, which is not that far that 6.57 percent is not where we wanna be.","start":917.67,"end":927.735,"sentiment":"neutral","sentiment_score":-0.11976603511720896},{"text":"We wanted a projection of about 10 and a half we worked on a projection of about 10 and a half percent net of fees.","start":927.735,"end":933.59503,"sentiment":"neutral","sentiment_score":0.015920638255774975}],"sentiment":"neutral","sentiment_score":-0.017887795486432663,"num_words":85,"start":904.645,"end":933.59503},{"sentences":[{"text":"So what I did is I took the next if you open up the next attachment, that is a from inception report.","start":933.735,"end":941.73,"sentiment":"neutral","sentiment_score":0.03853452815250917},{"text":"And if you look at the from inception report, this is it's performance with internal rate of return, IRR.","start":942.75,"end":948.52997,"sentiment":"neutral","sentiment_score":0.05474190511985829},{"text":"And if you go to the second page of that second report, that portfolio over the time that you've been invested has essentially achieved a 11.57% rolling average or since you've been on board.","start":949.165,"end":962.28503,"sentiment":"neutral","sentiment_score":0.12205770085839664},{"text":"So so for three years, essentially.","start":962.28503,"end":964.83,"sentiment":"neutral","sentiment_score":0.12290360654393832},{"text":"Pretty much bang on.","start":964.89,"end":965.77,"sentiment":"neutral","sentiment_score":0.316117987036705}],"sentiment":"neutral","sentiment_score":0.0945848380379817,"num_words":85,"start":933.735,"end":965.77},{"sentences":[{"text":"It was the twenty fifth of the ninth when the fund opened.","start":965.77,"end":968.11,"sentiment":"neutral","sentiment_score":0.15415827184915543},{"text":"So, yeah, it's it's it's doing better than expected over the long term.","start":968.25,"end":972.67,"sentiment":"neutral","sentiment_score":0.28462569874066573},{"text":"Yeah.","start":974.65,"end":974.89,"sentiment":"neutral","sentiment_score":0.061731986701488495},{"text":"Does that make sense?","start":974.89,"end":975.69,"sentiment":"neutral","sentiment_score":0.0443166783079505},{"text":"Or beautiful.","start":975.69,"end":978.51,"sentiment":"neutral","sentiment_score":0.18352232966572046}],"sentiment":"neutral","sentiment_score":0.1923773970338516,"num_words":32,"start":965.77,"end":978.51},{"sentences":[{"text":"We like I said, we don't have the performance reports or anything for ANZ, so I will get that sent out today.","start":979.615,"end":985.375,"sentiment":"neutral","sentiment_score":0.054618859282610094},{"text":"So keep your eye on after this call, keep your eye on the keep your eye on the emails.","start":985.375,"end":990.755,"sentiment":"neutral","sentiment_score":0.09236459277178112},{"text":"And then if you when you you should receive it about five, ten minutes after this this conversation.","start":990.815,"end":996.12,"sentiment":"neutral","sentiment_score":0.08357354460491075},{"text":"And if you can sign that, they'll come back to us.","start":996.42,"end":998.42,"sentiment":"neutral","sentiment_score":0.08016950857232917},{"text":"You'll get a copy of it, and we'll send it off to AIMT.","start":998.42,"end":1000.42,"sentiment":"neutral","sentiment_score":0.06072757536402115}],"sentiment":"neutral","sentiment_score":0.07388179570840425,"num_words":83,"start":979.615,"end":1000.42},{"sentences":[{"text":"So we could just update the figures and then just initiate the claims process.","start":1000.42,"end":1003.935,"sentiment":"neutral","sentiment_score":0.04595031509441989},{"text":"Alright?","start":1004.255,"end":1004.755,"sentiment":"neutral","sentiment_score":0.10039113461971284},{"text":"But overall, everything's ticking along exactly.","start":1004.975,"end":1006.975,"sentiment":"positive","sentiment_score":0.4342140778899193},{"text":"It's doing it's ticking along better than expected.","start":1006.975,"end":1008.995,"sentiment":"positive","sentiment_score":0.7068372145295143},{"text":"From a from a superannuation performance point of view, should I say, could be better without the without the insurance claim.","start":1011.135,"end":1018.03,"sentiment":"neutral","sentiment_score":0.12024170976309549}],"sentiment":"neutral","sentiment_score":0.23057507269084454,"num_words":50,"start":1000.42,"end":1018.03},{"sentences":[{"text":"But, hey, at least you're having a conversation to do it.","start":1018.03,"end":1020.27,"sentiment":"neutral","sentiment_score":0.11355679008093747},{"text":"Right?","start":1020.27,"end":1020.77,"sentiment":"neutral","sentiment_score":0.22689694166183472},{"text":"Amazing.","start":1023.55,"end":1023.95,"sentiment":"positive","sentiment_score":0.5817201733589172},{"text":"Now they have a they have a couple of documents.","start":1023.95,"end":1025.87,"sentiment":"neutral","sentiment_score":0.14626556932926177},{"text":"It's just in a a Vanguard index chart to give you an idea of time versus risk as well as our updated overview services guide.","start":1025.87,"end":1032.8551,"sentiment":"neutral","sentiment_score":0.09789371490478516}],"sentiment":"neutral","sentiment_score":0.12432792441298564,"num_words":48,"start":1018.03,"end":1032.8551},{"sentences":[{"text":"Look, it like I said, if it's not broken, don't fix it.","start":1033.555,"end":1036.675,"sentiment":"neutral","sentiment_score":-0.04956932505592704},{"text":"We've we've already allocated assets appropriately with the new portfolio, and everything is doing what it's supposed to be doing.","start":1036.675,"end":1044.3701,"sentiment":"neutral","sentiment_score":0.31032334789633753},{"text":"And really I'm really happy with because you you're not in a very high growth environment.","start":1044.3701,"end":1048.8701,"sentiment":"positive","sentiment_score":0.34711073711514473},{"text":"You're in a you're in a moderate growth environment.","start":1049.25,"end":1052.0701,"sentiment":"neutral","sentiment_score":0.21590381695164573},{"text":"So your your assets are actually invested with defensive exposure as well, And you're still achieving eleven eleven and a half percent on average per annum net of fees, cost, and rebates.","start":1052.13,"end":1063.985,"sentiment":"neutral","sentiment_score":0.30463274475187063}],"sentiment":"neutral","sentiment_score":0.2568178543339619,"num_words":89,"start":1033.555,"end":1063.985},{"sentences":[{"text":"So I'm I'm really happy with that return considering that portfolio.","start":1063.985,"end":1067.2849,"sentiment":"positive","sentiment_score":0.5890016041018746},{"text":"You know, most industry funds sit around 7% net of fees.","start":1068.705,"end":1072.23,"sentiment":"neutral","sentiment_score":0.31863551112738525},{"text":"So if you're doing 4%, that's amazing.","start":1072.47,"end":1075.21,"sentiment":"positive","sentiment_score":0.4788449832371303},{"text":"And if you can log in to your Hub twenty four year, you should be able to see a graph that kind of tracks against what we call the benchmark.","start":1075.35,"end":1081.29,"sentiment":"neutral","sentiment_score":0.12412686298290888},{"text":"The benchmark is the top 300 Australian shares.","start":1081.51,"end":1084.49,"sentiment":"neutral","sentiment_score":0.07974039949476719}],"sentiment":"neutral","sentiment_score":0.264144063218316,"num_words":67,"start":1063.985,"end":1084.49},{"sentences":[{"text":"In Australia, domestic shares.","start":1085.91,"end":1087.425,"sentiment":"neutral","sentiment_score":0.06922140531241894},{"text":"And you in your with defensive assets have are are tracking, you've actually achieved a better return, slightly better return than the actual index, which is incredible having defensive assets involved.","start":1087.665,"end":1098.0851,"sentiment":"neutral","sentiment_score":0.2805892272341636},{"text":"Does that make sense, or did I just ramble a lot of words?","start":1101.85,"end":1104.6699,"sentiment":"neutral","sentiment_score":0.012111070565879345},{"text":"Yeah.","start":1110.0099,"end":1110.33,"sentiment":"neutral","sentiment_score":-0.013757549226284029},{"text":"Got Yes.","start":1110.33,"end":1122.055,"sentiment":"neutral","sentiment_score":0.03285798244178295}],"sentiment":"neutral","sentiment_score":0.1800892940886757,"num_words":51,"start":1085.91,"end":1122.055},{"sentences":[{"text":"Yeah.","start":1122.055,"end":1122.375,"sentiment":"neutral","sentiment_score":0.096549391746521},{"text":"Yeah.","start":1122.375,"end":1122.6951,"sentiment":"neutral","sentiment_score":0.15726113319396973},{"text":"Absolutely.","start":1122.6951,"end":1123.1951,"sentiment":"positive","sentiment_score":0.37872061133384705},{"text":"It's one of those things that you just always put on the background until something happens.","start":1125.015,"end":1128.63,"sentiment":"neutral","sentiment_score":0.103331767488271},{"text":"Yep.","start":1130.47,"end":1130.97,"sentiment":"neutral","sentiment_score":0.1498313844203949}],"sentiment":"neutral","sentiment_score":0.12178354002535344,"num_words":20,"start":1122.055,"end":1130.97},{"sentences":[{"text":"So if you want a comprehensive will, I can refer you over to a lawyer, a family lawyer.","start":1135.51,"end":1141.11,"sentiment":"neutral","sentiment_score":0.1231854831178983},{"text":"They will they will be able to draw you up a pretty comprehensive estate planning concept.","start":1141.11,"end":1146.595,"sentiment":"neutral","sentiment_score":0.24392298609018326},{"text":"But if if you don't wanna spend this it's a it's a few grand, a few couple thousand dollars, if you want a really comprehensive one.","start":1146.895,"end":1153.775,"sentiment":"neutral","sentiment_score":0.013990773819386959},{"text":"And, obviously, depending on how sophisticated your situation is, if you got companies and all that, obviously, it costs more.","start":1153.775,"end":1160.57,"sentiment":"neutral","sentiment_score":-0.0730685705319047},{"text":"And go online.","start":1167.11,"end":1168.25,"sentiment":"neutral","sentiment_score":0.0425662025809288}],"sentiment":"neutral","sentiment_score":0.06205052759004644,"num_words":83,"start":1135.51,"end":1168.25},{"sentences":[{"text":"Go online.","start":1168.39,"end":1169.11,"sentiment":"neutral","sentiment_score":0.08633312210440636},{"text":"Just I think it's there's there's there's kinda it's it's probably, I can think, a $100 something.","start":1169.11,"end":1174.5751,"sentiment":"neutral","sentiment_score":0.08238229528069496},{"text":"You can fill out some fully legally binding estate planning will and power of attorney online.","start":1174.635,"end":1180.495,"sentiment":"neutral","sentiment_score":0.15384789695963264},{"text":"Yeah.","start":1182.3151,"end":1182.635,"sentiment":"neutral","sentiment_score":0.07818442583084106},{"text":"It's a Google thing.","start":1182.635,"end":1184.335,"sentiment":"neutral","sentiment_score":0.07734100427478552}],"sentiment":"neutral","sentiment_score":0.11055700145661831,"num_words":40,"start":1168.39,"end":1184.335},{"sentences":[{"text":"Let me show up.","start":1184.795,"end":1185.755,"sentiment":"neutral","sentiment_score":0.058098538778722286},{"text":"One second.","start":1185.755,"end":1186.3151,"sentiment":"neutral","sentiment_score":0.052170056849718094},{"text":"I'll just have a look.","start":1186.3151,"end":1187.455,"sentiment":"neutral","sentiment_score":0.06386343538761138},{"text":"Online.","start":1189.57,"end":1190.07,"sentiment":"neutral","sentiment_score":0.0614616721868515},{"text":"Will.","start":1191.25,"end":1191.75,"sentiment":"neutral","sentiment_score":0.06866574287414551}],"sentiment":"neutral","sentiment_score":0.060475296985644564,"num_words":13,"start":1184.795,"end":1191.75},{"sentences":[{"text":"Everyone Australia is number one will platform.","start":1195.25,"end":1197.67,"sentiment":"neutral","sentiment_score":0.12786791367190226},{"text":"Here we go.","start":1197.8099,"end":1198.55,"sentiment":"neutral","sentiment_score":0.09648446987072627},{"text":"Yeah.","start":1199.57,"end":1200.07,"sentiment":"neutral","sentiment_score":0.17590773105621338},{"text":"Make your Australian Will online is Morris Blackburn one, which is pretty good.","start":1200.45,"end":1204.445,"sentiment":"neutral","sentiment_score":0.23928291981036848},{"text":"Fixed price, $160 for individuals, $240 for couples.","start":1204.825,"end":1208.6849,"sentiment":"neutral","sentiment_score":0.1817260328680277}],"sentiment":"neutral","sentiment_score":0.18515383615158498,"num_words":32,"start":1195.25,"end":1208.6849},{"sentences":[{"text":"So I have a look at that.","start":1208.745,"end":1212.525,"sentiment":"neutral","sentiment_score":0.12753028529030935},{"text":"But if you did want me to make that referral, I can definitely I I would probably refer you over to CJM Law, who is our commercial.","start":1213.225,"end":1221.43,"sentiment":"neutral","sentiment_score":0.19097784768652032},{"text":"They actually did my family law when I went through my separation.","start":1221.5701,"end":1224.29,"sentiment":"neutral","sentiment_score":-0.03942627956469854},{"text":"I can't speak highly enough about them.","start":1224.29,"end":1226.31,"sentiment":"negative","sentiment_score":-0.35131633068834034},{"text":"Yeah.","start":1230.185,"end":1230.585,"sentiment":"neutral","sentiment_score":-0.14730006456375122}],"sentiment":"neutral","sentiment_score":0.05499044722980923,"num_words":54,"start":1208.745,"end":1230.585},{"sentences":[{"text":"If it's not if it's not that complex and you got you you just kind of, you know, you don't have any estranged family members, then more than that, I think a a online will through, say, Morris Blackburn or someone like that would would be sufficient.","start":1230.585,"end":1243.725,"sentiment":"neutral","sentiment_score":0.008975633994695987},{"text":"Have a look.","start":1248.17,"end":1248.65,"sentiment":"neutral","sentiment_score":-0.019327114646633465},{"text":"Absolutely.","start":1248.65,"end":1249.15,"sentiment":"neutral","sentiment_score":0.026783566921949387},{"text":"Yeah.","start":1251.6901,"end":1251.85,"sentiment":"neutral","sentiment_score":-0.24411100149154663},{"text":"It bugs everybody.","start":1251.85,"end":1252.81,"sentiment":"negative","sentiment_score":-0.40709516406059265}],"sentiment":"neutral","sentiment_score":-0.01954071768982844,"num_words":55,"start":1230.585,"end":1252.81},{"sentences":[{"text":"It even bugs me.","start":1252.81,"end":1254.01,"sentiment":"negative","sentiment_score":-0.3924781307578087},{"text":"I've talked to Nate.","start":1254.01,"end":1254.73,"sentiment":"neutral","sentiment_score":-0.17844665050506592},{"text":"Mine have been needs to update it since separation four years ago.","start":1254.73,"end":1257.93,"sentiment":"neutral","sentiment_score":-0.18725581094622612},{"text":"So it's one of those it's always one of those things.","start":1257.93,"end":1261.385,"sentiment":"neutral","sentiment_score":-0.17285276407545264},{"text":"But, yeah, look, that everything's tracking along how it's supposed to be.","start":1262.325,"end":1265.605,"sentiment":"neutral","sentiment_score":0.1560085592791438}],"sentiment":"neutral","sentiment_score":-0.10604759418340616,"num_words":43,"start":1252.81,"end":1265.605},{"sentences":[{"text":"Like like you've seen, we've we've moved assets appropriately just to kind of accommodate and cushion we call it cushioning for the market environment.","start":1265.605,"end":1272.745,"sentiment":"positive","sentiment_score":0.34343007020652294},{"text":"But, yeah, 11 and a half percent net of fees is is an incredible return for your kind of portfolio.","start":1273.23,"end":1277.65,"sentiment":"positive","sentiment_score":0.8283778369426728},{"text":"More importantly, have you received the do you have any questions?","start":1278.75,"end":1282.51,"sentiment":"neutral","sentiment_score":0.27586008608341217},{"text":"Are you happy with everything?","start":1282.51,"end":1283.63,"sentiment":"neutral","sentiment_score":0.2558871477842331},{"text":"I really wanna get this income protection claim on the way.","start":1283.63,"end":1289.515,"sentiment":"neutral","sentiment_score":0.20381243256005374}],"sentiment":"positive","sentiment_score":0.44177058968745486,"num_words":71,"start":1265.605,"end":1289.515},{"sentences":[{"text":"Yeah.","start":1289.515,"end":1289.835,"sentiment":"neutral","sentiment_score":0.0796361044049263},{"text":"Yeah.","start":1289.835,"end":1290.155,"sentiment":"neutral","sentiment_score":0.1206095963716507},{"text":"Absolutely.","start":1290.155,"end":1290.655,"sentiment":"neutral","sentiment_score":0.2443145215511322},{"text":"It should.","start":1290.795,"end":1291.545,"sentiment":"neutral","sentiment_score":0.24408575147390366},{"text":"Yeah.","start":1311.92,"end":1312.4,"sentiment":"neutral","sentiment_score":-0.03576422482728958}],"sentiment":"neutral","sentiment_score":0.1494945834080378,"num_words":6,"start":1289.515,"end":1312.4},{"sentences":[{"text":"Understood.","start":1312.4,"end":1312.9,"sentiment":"neutral","sentiment_score":-0.03102000430226326},{"text":"What is it?","start":1313.92,"end":1314.7401,"sentiment":"neutral","sentiment_score":-0.04394236455361048},{"text":"What is it like?","start":1314.8,"end":1316.2749,"sentiment":"neutral","sentiment_score":-0.08463681489229202},{"text":"Mhmm.","start":1316.975,"end":1317.475,"sentiment":"neutral","sentiment_score":-0.033471181988716125},{"text":"Alright.","start":1318.095,"end":1318.495,"sentiment":"neutral","sentiment_score":0.008945215493440628}],"sentiment":"neutral","sentiment_score":-0.05259203240275383,"num_words":10,"start":1312.4,"end":1318.495},{"sentences":[{"text":"Well, how old are you at the moment?","start":1318.495,"end":1320.115,"sentiment":"neutral","sentiment_score":0.007628472987562418},{"text":"Okay.","start":1323.375,"end":1323.875,"sentiment":"neutral","sentiment_score":0.06091737002134323},{"text":"Yeah.","start":1325.855,"end":1326.255,"sentiment":"neutral","sentiment_score":0.06571623682975769},{"text":"Yeah.","start":1326.255,"end":1326.575,"sentiment":"neutral","sentiment_score":0.061349693685770035},{"text":"Fifty four.","start":1326.575,"end":1327.47,"sentiment":"neutral","sentiment_score":0.06279569864273071}],"sentiment":"neutral","sentiment_score":0.028815575517140903,"num_words":13,"start":1318.495,"end":1327.47},{"sentences":[{"text":"Well, you've you've got the fruits of the labor showing through your super funds.","start":1333.3099,"end":1337.09,"sentiment":"neutral","sentiment_score":0.2648948029215847},{"text":"Now it's a matter of just identifying your I think we should just get on this income protection claim as soon as possible because then you've got two years to kind of for us to plan.","start":1337.15,"end":1346.785,"sentiment":"neutral","sentiment_score":0.21344097931351927},{"text":"We can get you get your you know, since you have that pushed out, we can work on strategies to be able to facilitate the right income you need to be able to get to age 60.","start":1346.785,"end":1356.55,"sentiment":"positive","sentiment_score":0.4642379849746421},{"text":"And when you get to age 60, you can start drawing down from your superannuation.","start":1356.55,"end":1359.53,"sentiment":"neutral","sentiment_score":0.08451576257745425},{"text":"Keep in mind, if you get a TPD claim, that's another $900.","start":1360.0701,"end":1363.5901,"sentiment":"neutral","sentiment_score":0.02351770014502108}],"sentiment":"neutral","sentiment_score":0.26420312965484827,"num_words":114,"start":1333.3099,"end":1363.5901},{"sentences":[{"text":"So after when it comes to two years of being on that income protection claim, then I'd wanna go down the track of saying, look.","start":1363.5901,"end":1370.9651,"sentiment":"neutral","sentiment_score":0.12295231819152833},{"text":"He's not gonna go back to work, and then they'll give you $900 to push you out until the age of 60, if not further.","start":1370.9651,"end":1378.005,"sentiment":"neutral","sentiment_score":0.042872315421700474},{"text":"And then you can start drawing down from super, and we can start looking at those drawdown and account based pension strategies as well.","start":1378.005,"end":1384.96,"sentiment":"neutral","sentiment_score":0.17295025630543628},{"text":"So there we we're essentially it's gonna be kind of like a hybrid approach to where we can utilize the insurance policies, pre retirement.","start":1385.5,"end":1393.4401,"sentiment":"neutral","sentiment_score":0.2941760756075382},{"text":"And then when you get the payment from the insurance policies, you can then essentially be retired in itself.","start":1393.58,"end":1399.985,"sentiment":"neutral","sentiment_score":0.31232669635822896}],"sentiment":"neutral","sentiment_score":0.18197311997477317,"num_words":117,"start":1363.5901,"end":1399.985},{"sentences":[{"text":"Does that does that make sense?","start":1402.0449,"end":1403.325,"sentiment":"neutral","sentiment_score":0.2276767740646998},{"text":"Or Yeah.","start":1403.325,"end":1405.645,"sentiment":"neutral","sentiment_score":0.18915606290102005},{"text":"So we just we just need to get this claim underway.","start":1405.645,"end":1407.985,"sentiment":"neutral","sentiment_score":0.2844524776393717},{"text":"That's it.","start":1408.205,"end":1409.105,"sentiment":"neutral","sentiment_score":0.12601675093173983},{"text":"First and foremost.","start":1409.245,"end":1410.09,"sentiment":"neutral","sentiment_score":0.0799378901720047}],"sentiment":"neutral","sentiment_score":0.22354988319178423,"num_words":24,"start":1402.0449,"end":1410.09},{"sentences":[{"text":"Yep.","start":1427.065,"end":1427.565,"sentiment":"neutral","sentiment_score":0.04949355870485306},{"text":"Yes.","start":1439.82,"end":1440.32,"sentiment":"neutral","sentiment_score":0.07514562457799911},{"text":"Yep.","start":1440.54,"end":1441.04,"sentiment":"neutral","sentiment_score":0.05829703435301781},{"text":"Yep.","start":1453.235,"end":1453.735,"sentiment":"neutral","sentiment_score":-0.06155700609087944},{"text":"Okay.","start":1458.035,"end":1458.535,"sentiment":"neutral","sentiment_score":-0.0787602961063385}],"sentiment":"neutral","sentiment_score":0.008523783087730408,"num_words":5,"start":1427.065,"end":1458.535},{"sentences":[{"text":"Yep.","start":1462.87,"end":1463.37,"sentiment":"neutral","sentiment_score":-0.05973178148269653},{"text":"Yep.","start":1463.9099,"end":1464.23,"sentiment":"neutral","sentiment_score":0.03748016804456711},{"text":"Absolutely.","start":1464.23,"end":1464.73,"sentiment":"neutral","sentiment_score":0.2433460503816605},{"text":"Okay.","start":1464.95,"end":1465.27,"sentiment":"neutral","sentiment_score":0.07512903958559036},{"text":"So with the sterling, sterling goes I think it's, like, $1.81.0.9, something like that.","start":1465.27,"end":1471.19,"sentiment":"neutral","sentiment_score":0.006926283232002918}],"sentiment":"neutral","sentiment_score":0.021843968987620126,"num_words":18,"start":1462.87,"end":1471.19},{"sentences":[{"text":"No money.","start":1471.19,"end":1471.83,"sentiment":"neutral","sentiment_score":-0.12255430221557617},{"text":"So you're you're looking at about $1,819,000 dollars there.","start":1471.83,"end":1474.875,"sentiment":"neutral","sentiment_score":-0.012946786721133523},{"text":"So we can definitely if you is it in Australian dollars at the moment, or is it still still in power?","start":1475.195,"end":1481.055,"sentiment":"neutral","sentiment_score":0.02699557004407758},{"text":"Yep.","start":1488.075,"end":1488.3,"sentiment":"neutral","sentiment_score":0.06586046516895294},{"text":"Yep.","start":1488.8601,"end":1489.3601,"sentiment":"neutral","sentiment_score":0.07653751969337463}],"sentiment":"neutral","sentiment_score":0.010225743260782431,"num_words":34,"start":1471.19,"end":1489.3601},{"sentences":[{"text":"Yep.","start":1505.635,"end":1506.035,"sentiment":"neutral","sentiment_score":0.061064213514328},{"text":"No.","start":1506.035,"end":1506.275,"sentiment":"neutral","sentiment_score":-0.00978037714958191},{"text":"That's okay.","start":1506.275,"end":1507.015,"sentiment":"neutral","sentiment_score":0.11150611564517021},{"text":"We just need to get converts to AUD, and then what we can do is we can actually we can we can set up an investment portfolio for you.","start":1507.155,"end":1513.23,"sentiment":"neutral","sentiment_score":0.20004282454992162},{"text":"We can create a within Hub 24, we can link it to Ian's account or your account, which is gonna be the most tax effective.","start":1513.3099,"end":1521.89,"sentiment":"neutral","sentiment_score":0.1948575857281685}],"sentiment":"neutral","sentiment_score":0.18874099349667287,"num_words":58,"start":1505.635,"end":1521.89},{"sentences":[{"text":"Are you working at the moment, Linda or?","start":1523.47,"end":1526.13,"sentiment":"neutral","sentiment_score":0.013253958546556532},{"text":"Gotcha.","start":1528.8251,"end":1529.305,"sentiment":"neutral","sentiment_score":0.04818107932806015},{"text":"Who makes the best the highest income?","start":1529.305,"end":1531.0851,"sentiment":"neutral","sentiment_score":0.09736356777804238},{"text":"Yeah.","start":1533.305,"end":1533.625,"sentiment":"neutral","sentiment_score":0.07298865169286728},{"text":"For sure.","start":1533.625,"end":1534.3651,"sentiment":"neutral","sentiment_score":0.06850678101181984}],"sentiment":"neutral","sentiment_score":0.05503999662438506,"num_words":19,"start":1523.47,"end":1534.3651},{"sentences":[{"text":"Well, with current events, it's you gotta ask the question.","start":1535.0651,"end":1538.4451,"sentiment":"neutral","sentiment_score":-0.023374931514263154},{"text":"Okay.","start":1539.2251,"end":1539.7051,"sentiment":"neutral","sentiment_score":0.03541876748204231},{"text":"What we'd probably do is we would create a IDPS and we'll link it to a family IDPS, to Family Hub 24 maybe, if that is appropriate product for you.","start":1539.7051,"end":1550.72,"sentiment":"neutral","sentiment_score":0.13328307246168455},{"text":"And then what we can do is essentially yeah.","start":1551.5,"end":1554.7,"sentiment":"neutral","sentiment_score":0.10845089621014065},{"text":"We can we can just create investment portfolio, get that money working harder for you.","start":1554.7,"end":1558.275,"sentiment":"neutral","sentiment_score":0.1197468914091587}],"sentiment":"neutral","sentiment_score":0.10111420097259374,"num_words":65,"start":1535.0651,"end":1558.275},{"sentences":[{"text":"If you need it, we could just sell it down.","start":1558.275,"end":1560.295,"sentiment":"neutral","sentiment_score":0.006719353795051575},{"text":"Oh, I agree.","start":1560.995,"end":1561.735,"sentiment":"neutral","sentiment_score":0.18568908671538034},{"text":"We can just sell it down.","start":1563.155,"end":1564.355,"sentiment":"neutral","sentiment_score":0.1152447983622551},{"text":"If you wanted money a little bit more liquid, we can just do we can just do ETFs, exchange traded funds.","start":1564.355,"end":1569.8151,"sentiment":"neutral","sentiment_score":0.1372651078161739},{"text":"It's just yeah.","start":1571.34,"end":1571.98,"sentiment":"neutral","sentiment_score":0.2026815563440323}],"sentiment":"neutral","sentiment_score":0.11177538421957992,"num_words":43,"start":1558.275,"end":1571.98},{"sentences":[{"text":"And it can just sit there and tick along.","start":1571.98,"end":1573.5,"sentiment":"neutral","sentiment_score":0.24911826683415306},{"text":"So we can create that portfolio for you.","start":1573.5,"end":1575.76,"sentiment":"neutral","sentiment_score":0.2818484175950289},{"text":"Did you would you like me let yeah.","start":1577.34,"end":1579.26,"sentiment":"neutral","sentiment_score":0.07922675251029432},{"text":"Let's have let's have a catch up on Monday.","start":1579.26,"end":1581.12,"sentiment":"neutral","sentiment_score":0.0650439966056082},{"text":"We'll go through complete this income protection claim.","start":1581.42,"end":1584.315,"sentiment":"neutral","sentiment_score":0.05712149338796735}],"sentiment":"neutral","sentiment_score":0.14697699235486134,"num_words":42,"start":1571.98,"end":1584.315},{"sentences":[{"text":"We will then talk about the movement of, pardon me, of your foreign exchange securities, and then we'll create that investment portfolio.","start":1584.5549,"end":1592.5549,"sentiment":"neutral","sentiment_score":0.05611313680525531},{"text":"We'll link it to here in sub 24 account.","start":1592.5549,"end":1594.7949,"sentiment":"neutral","sentiment_score":0.03534996592336231},{"text":"Oh, no.","start":1594.7949,"end":1595.115,"sentiment":"neutral","sentiment_score":-0.019817589316517115},{"text":"We won't.","start":1595.115,"end":1595.595,"sentiment":"neutral","sentiment_score":-0.040655551478266716},{"text":"Sorry.","start":1595.595,"end":1595.835,"sentiment":"neutral","sentiment_score":-0.05986261367797851}],"sentiment":"neutral","sentiment_score":0.038106383548842535,"num_words":36,"start":1584.5549,"end":1595.835},{"sentences":[{"text":"It'll be oh, we could probably link it to your account.","start":1595.835,"end":1598.94,"sentiment":"neutral","sentiment_score":0.03286378254944628},{"text":"And then I'll just have a look at what that looks like, whatever's gonna be the lowest in fees so that doesn't need to weigh too much.","start":1599.1,"end":1605.2599,"sentiment":"neutral","sentiment_score":0.04637051263341197},{"text":"And, yeah, then we can just get that invested.","start":1605.2599,"end":1608.7,"sentiment":"neutral","sentiment_score":0.13909455885489783},{"text":"We'll write up a statement of advice and make that happen for you.","start":1608.7,"end":1611.5199,"sentiment":"neutral","sentiment_score":0.19491263307057893},{"text":"Amazing.","start":1613.8999,"end":1614.3999,"sentiment":"positive","sentiment_score":0.5486950278282166}],"sentiment":"neutral","sentiment_score":0.09750681535386649,"num_words":61,"start":1595.835,"end":1614.3999},{"sentences":[{"text":"Yep.","start":1617.265,"end":1617.585,"sentiment":"neutral","sentiment_score":0.09247961640357973},{"text":"We can we can one step at a time.","start":1617.585,"end":1619.265,"sentiment":"neutral","sentiment_score":0.11221107757753795},{"text":"Let's do this nice and slow.","start":1619.265,"end":1620.5449,"sentiment":"neutral","sentiment_score":0.13656349231799444},{"text":"Let's do the most important thing first, which is gonna be that IP claim.","start":1620.5449,"end":1624.1649,"sentiment":"neutral","sentiment_score":0.05887272674590349},{"text":"Yeah.","start":1624.225,"end":1624.725,"sentiment":"neutral","sentiment_score":0.03845041245222092}],"sentiment":"neutral","sentiment_score":0.08982028565820187,"num_words":31,"start":1617.265,"end":1624.725},{"sentences":[{"text":"No.","start":1627.585,"end":1627.825,"sentiment":"neutral","sentiment_score":-0.019868500530719757},{"text":"That's alright.","start":1627.825,"end":1628.46,"sentiment":"neutral","sentiment_score":0.047326537780463696},{"text":"We got a bit of a game plan.","start":1628.86,"end":1630.14,"sentiment":"neutral","sentiment_score":0.08910393109545112},{"text":"Are you happy with that?","start":1630.14,"end":1631.02,"sentiment":"neutral","sentiment_score":0.08939238637685776},{"text":"Are you happy with that, Ian?","start":1631.02,"end":1632.24,"sentiment":"neutral","sentiment_score":0.08171752157310645}],"sentiment":"neutral","sentiment_score":0.07840377659621564,"num_words":22,"start":1627.585,"end":1632.24},{"sentences":[{"text":"Amazing.","start":1634.7799,"end":1635.2799,"sentiment":"positive","sentiment_score":0.5840438604354858},{"text":"Cool.","start":1635.34,"end":1635.84,"sentiment":"positive","sentiment_score":0.5118167400360107},{"text":"I've sent you through that ongoing service agreement again.","start":1636.22,"end":1638.7999,"sentiment":"neutral","sentiment_score":0.21606611212094626},{"text":"Just just to your email, sir.","start":1639.1,"end":1640.7,"sentiment":"neutral","sentiment_score":0.0916760005056858},{"text":"It's just the hub twenty four o s a.","start":1640.7,"end":1642.755,"sentiment":"neutral","sentiment_score":0.06018079568942388}],"sentiment":"neutral","sentiment_score":0.1589284143768824,"num_words":26,"start":1634.7799,"end":1642.755},{"sentences":[{"text":"Do you mind jumping into your emails and just having a look at that and seeing if there is the if that if you've got that receipt there?","start":1642.995,"end":1651.895,"sentiment":"neutral","sentiment_score":0.02880978960144733},{"text":"There's still there's nothing's changing from what it was before, the same that same percentage base fee.","start":1653.635,"end":1660.1799,"sentiment":"neutral","sentiment_score":-0.10052356321145506},{"text":"So, obviously, the more money you make, the more money we make.","start":1661.36,"end":1663.84,"sentiment":"neutral","sentiment_score":0.08453588684399922},{"text":"Yay.","start":1663.84,"end":1664.34,"sentiment":"positive","sentiment_score":0.45478400588035583},{"text":"And everybody's happy, and you've got a pretty high balance of numbers We everyone's happy.","start":1665.76,"end":1671.415,"sentiment":"positive","sentiment_score":0.45750706891218823}],"sentiment":"neutral","sentiment_score":0.10177526323201314,"num_words":73,"start":1642.995,"end":1671.415},{"sentences":[{"text":"No.","start":1679.635,"end":1679.875,"sentiment":"neutral","sentiment_score":-0.12415462732315063},{"text":"It shouldn't make a difference.","start":1679.875,"end":1681.255,"sentiment":"neutral","sentiment_score":-0.08639413863420486},{"text":"Yeah.","start":1687.47,"end":1687.71,"sentiment":"neutral","sentiment_score":-0.03961142152547836},{"text":"I'm not too I'm not too sure why it's doing that.","start":1687.71,"end":1692.0499,"sentiment":"neutral","sentiment_score":-0.20904026383703406},{"text":"Let's just see if I've got a hub 24.","start":1692.11,"end":1694.2899,"sentiment":"neutral","sentiment_score":-0.009546188327173391}],"sentiment":"neutral","sentiment_score":-0.1104109384878366,"num_words":27,"start":1679.635,"end":1694.2899},{"sentences":[{"text":"Hey.","start":1694.35,"end":1694.5099,"sentiment":"neutral","sentiment_score":0.000023521482944488525},{"text":"Sorry.","start":1694.5099,"end":1694.9099,"sentiment":"neutral","sentiment_score":-0.007313043810427189},{"text":"A DocuSign account.","start":1694.9099,"end":1696.11,"sentiment":"neutral","sentiment_score":0.008101199443141619},{"text":"Okay.","start":1696.11,"end":1696.61,"sentiment":"neutral","sentiment_score":0.030707182362675667},{"text":"There you go.","start":1701.1749,"end":1701.895,"sentiment":"neutral","sentiment_score":0.03160432601968447}],"sentiment":"neutral","sentiment_score":0.015837137380407915,"num_words":9,"start":1694.35,"end":1701.895},{"sentences":[{"text":"Next.","start":1701.895,"end":1702.395,"sentiment":"neutral","sentiment_score":0.010018495842814444},{"text":"Next.","start":1703.095,"end":1703.595,"sentiment":"neutral","sentiment_score":0.004963156767189503},{"text":"I'm just trying to see it.","start":1717.33,"end":1718.37,"sentiment":"neutral","sentiment_score":0.0017859479412436485},{"text":"Yeah.","start":1718.37,"end":1718.53,"sentiment":"neutral","sentiment_score":0.006409833207726479},{"text":"And maybe just give it a refresh.","start":1718.53,"end":1720.39,"sentiment":"neutral","sentiment_score":-0.002676777807729585}],"sentiment":"neutral","sentiment_score":0.0008356080506928265,"num_words":16,"start":1701.895,"end":1720.39},{"sentences":[{"text":"Did it come through to your did it come through to your personal email or weird.","start":1720.45,"end":1732.175,"sentiment":"neutral","sentiment_score":-0.0327682311180979},{"text":"Yeah.","start":1732.175,"end":1732.495,"sentiment":"neutral","sentiment_score":-0.05212027579545975},{"text":"I'm not I'm not too sure what's going on there.","start":1732.495,"end":1734.015,"sentiment":"neutral","sentiment_score":-0.1652389407157898},{"text":"What do you is there any way that you'd be able to sign it digitally with a Adobe PDF?","start":1734.015,"end":1740.35,"sentiment":"neutral","sentiment_score":-0.009215463933191802},{"text":"Or yeah.","start":1740.41,"end":1742.81,"sentiment":"neutral","sentiment_score":0.06440677028149366}],"sentiment":"neutral","sentiment_score":-0.047397534479387105,"num_words":48,"start":1720.45,"end":1742.81},{"sentences":[{"text":"Beautiful.","start":1742.81,"end":1743.31,"sentiment":"positive","sentiment_score":0.394534707069397},{"text":"Beautiful.","start":1743.4501,"end":1743.77,"sentiment":"positive","sentiment_score":0.5412203669548035},{"text":"What I'll do is I'll just e I will email it through.","start":1743.77,"end":1747.55,"sentiment":"neutral","sentiment_score":0.1335031809285283},{"text":"Yeah.","start":1747.85,"end":1748.35,"sentiment":"neutral","sentiment_score":0.11071401834487916},{"text":"Correct.","start":1748.41,"end":1748.89,"sentiment":"neutral","sentiment_score":0.13978487253189087}],"sentiment":"neutral","sentiment_score":0.17426825850270689,"num_words":16,"start":1742.81,"end":1748.89},{"sentences":[{"text":"Correct.","start":1748.89,"end":1749.39,"sentiment":"neutral","sentiment_score":0.13102790713310242},{"text":"There we go.","start":1749.93,"end":1750.73,"sentiment":"neutral","sentiment_score":0.12298456331094106},{"text":"There we go.","start":1750.73,"end":1751.63,"sentiment":"neutral","sentiment_score":0.08949431280295055},{"text":"Hi, Ian.","start":1752.905,"end":1754.745,"sentiment":"neutral","sentiment_score":0.13772159814834595},{"text":"Please see attached for your for your sign in and return.","start":1754.745,"end":1761.325,"sentiment":"neutral","sentiment_score":0.1278499479998242}],"sentiment":"neutral","sentiment_score":0.12251285798847675,"num_words":20,"start":1748.89,"end":1761.325},{"sentences":[{"text":"So I'm just gonna make these emails.","start":1762.1849,"end":1763.705,"sentiment":"neutral","sentiment_score":0.1294272882597787},{"text":"Not not not too professional, nice and short and sweet because we all know what what's going on.","start":1763.705,"end":1768.99,"sentiment":"neutral","sentiment_score":-0.058065356893671885},{"text":"Beautiful.","start":1768.99,"end":1769.49,"sentiment":"positive","sentiment_score":0.455621600151062},{"text":"There we go.","start":1769.7101,"end":1770.61,"sentiment":"neutral","sentiment_score":0.2548030416170756},{"text":"Alright.","start":1770.75,"end":1771.25,"sentiment":"neutral","sentiment_score":0.25419336557388306}],"sentiment":"neutral","sentiment_score":0.044501289476950964,"num_words":30,"start":1762.1849,"end":1771.25},{"sentences":[{"text":"And I'm gonna cc my colleagues in, so Madison as well as Caden.","start":1773.4701,"end":1778.61,"sentiment":"neutral","sentiment_score":0.21996756814993346},{"text":"And if you can just respond to that, preferably reply to all, that would be great.","start":1779.095,"end":1783.895,"sentiment":"neutral","sentiment_score":0.3130158316344023},{"text":"But if not, it's alright.","start":1783.895,"end":1785.175,"sentiment":"neutral","sentiment_score":0.07684524804353714},{"text":"I'll I'll receive it and I'll save it up and send it off.","start":1785.175,"end":1787.975,"sentiment":"neutral","sentiment_score":0.18300804381187147},{"text":"I've just sent that through to you.","start":1787.975,"end":1789.415,"sentiment":"neutral","sentiment_score":0.1962182457957949}],"sentiment":"neutral","sentiment_score":0.22230907819337314,"num_words":54,"start":1773.4701,"end":1789.415},{"sentences":[{"text":"But outside of that, yep, let me just finish up this call.","start":1789.415,"end":1792.9299,"sentiment":"neutral","sentiment_score":0.16658284018437067},{"text":"If you can if I can get that signed and sent back for the ongoing service agreements to get paid for the work, that'll be great.","start":1792.9299,"end":1798.5499,"sentiment":"positive","sentiment_score":0.44232144493323106},{"text":"And what I'll do is I'll get in touch with the I'll send off that.","start":1799.1699,"end":1803.19,"sentiment":"neutral","sentiment_score":0.17464008778333664},{"text":"You should receive an email.","start":1803.8899,"end":1805.59,"sentiment":"neutral","sentiment_score":0.16229912787675857},{"text":"I'll send it through via email as well just to get this ongoing service agreement signed up when you receive it from Maddie.","start":1805.995,"end":1813.855,"sentiment":"neutral","sentiment_score":0.08863088326609653}],"sentiment":"neutral","sentiment_score":0.23418467804605578,"num_words":81,"start":1789.415,"end":1813.855},{"sentences":[{"text":"Okay?","start":1814.1549,"end":1814.635,"sentiment":"neutral","sentiment_score":0.08037365972995758},{"text":"And once you get that back, we can we can essentially get in touch with them and start working with them to get this claims process underway and get back in touch on Monday.","start":1814.635,"end":1822.32,"sentiment":"neutral","sentiment_score":0.11869277016204946},{"text":"Beautiful.","start":1824.78,"end":1825.28,"sentiment":"positive","sentiment_score":0.7646684646606445},{"text":"Awesome, guys.","start":1825.74,"end":1826.54,"sentiment":"positive","sentiment_score":0.660893589258194},{"text":"Well, I'm really sorry to hear about the the bad news, but the good part is that you are covered.","start":1826.54,"end":1830.88,"sentiment":"neutral","sentiment_score":0.018524448107928037}],"sentiment":"neutral","sentiment_score":0.11332538707888332,"num_words":58,"start":1814.1549,"end":1830.88},{"sentences":[{"text":"So let's let's let's just make sure that, you know, all those premiums.","start":1831.34,"end":1834.7849,"sentiment":"neutral","sentiment_score":0.05010941381064745},{"text":"Insurances, they're those things you pay all this money for, and the best outcome is nothing happens.","start":1835.005,"end":1838.765,"sentiment":"neutral","sentiment_score":0.03837716083644944},{"text":"But if something happens, you wanna make sure that you're covered.","start":1838.765,"end":1841.1849,"sentiment":"neutral","sentiment_score":0.024386291815475983},{"text":"You wanna make sure that you're covered for enough and you are covered.","start":1841.325,"end":1844.22,"sentiment":"neutral","sentiment_score":0.06113618096480003},{"text":"Absolutely.","start":1850.0599,"end":1850.46,"sentiment":"neutral","sentiment_score":0.2219809889793396}],"sentiment":"neutral","sentiment_score":0.04706972118636424,"num_words":55,"start":1831.34,"end":1850.46},{"sentences":[{"text":"Well, the the best thing about these income protection claims in Australia, especially, is they're really good.","start":1850.46,"end":1856.46,"sentiment":"positive","sentiment_score":0.38984428258503184},{"text":"Like, income protection is a really, really good product.","start":1856.46,"end":1859.28,"sentiment":"positive","sentiment_score":0.5212369660536448},{"text":"So So much so that they actually do change on the 10/05/2021.","start":1859.34,"end":1863.255,"sentiment":"neutral","sentiment_score":0.06435597750047843},{"text":"Actually, it changed all the all the laws and all the all the definitions and everything around them because they they were too good.","start":1863.315,"end":1869.075,"sentiment":"neutral","sentiment_score":-0.05043039129426082},{"text":"The companies are losing too much money.","start":1869.075,"end":1871.015,"sentiment":"neutral","sentiment_score":-0.3221499089683805}],"sentiment":"neutral","sentiment_score":0.12500548513903134,"num_words":69,"start":1850.46,"end":1871.015},{"sentences":[{"text":"So that and that yeah.","start":1871.315,"end":1872.8,"sentiment":"neutral","sentiment_score":-0.0322895921766758},{"text":"And that policy has been around for a while, so I'd like to know if it's grandfathered or anything.","start":1872.8,"end":1876.8,"sentiment":"neutral","sentiment_score":-0.04208775148972085},{"text":"I just wanna dig a little bit deeper into the policy itself because you might have a lot of extra benefits in there.","start":1876.8,"end":1883.3,"sentiment":"neutral","sentiment_score":-0.008080989932236464},{"text":"But the whole purpose of that is part of those extra benefits is you can actually you can they they they essentially you you can in the within the it's hard to say.","start":1883.76,"end":1893.385,"sentiment":"neutral","sentiment_score":-0.026531997390768745},{"text":"Within the definitions, you can get benefits included, like add ons, which includes, you know, professional assistance, you know, osteopaths.","start":1893.8451,"end":1902.75,"sentiment":"neutral","sentiment_score":-0.014372285490389913}],"sentiment":"neutral","sentiment_score":-0.023099796313326804,"num_words":100,"start":1871.315,"end":1902.75},{"sentences":[{"text":"You can get all sorts of neurological professionals.","start":1902.9701,"end":1905.4701,"sentiment":"neutral","sentiment_score":0.022101164562627673},{"text":"You can you can get a lot of extras with that policy, but I just don't know what they are just yet.","start":1905.53,"end":1910.89,"sentiment":"neutral","sentiment_score":-0.054319616915150123},{"text":"So that's why we need to kinda yeah.","start":1910.89,"end":1913.15,"sentiment":"neutral","sentiment_score":0.057859876193106174},{"text":"Yeah.","start":1913.7351,"end":1914.135,"sentiment":"neutral","sentiment_score":0.1322145015001297},{"text":"So you exactly.","start":1914.135,"end":1918.395,"sentiment":"neutral","sentiment_score":0.13538976137836775}],"sentiment":"neutral","sentiment_score":-0.0004037966774333091,"num_words":42,"start":1902.9701,"end":1918.395},{"sentences":[{"text":"Exactly.","start":1918.615,"end":1919.015,"sentiment":"neutral","sentiment_score":0.08817462623119354},{"text":"And they do this all the time.","start":1919.015,"end":1920.375,"sentiment":"neutral","sentiment_score":0.1575441892657961},{"text":"So they can they can help you and guide you in the right direction as well.","start":1920.375,"end":1923.5951,"sentiment":"positive","sentiment_score":0.37865355983376503},{"text":"Yes.","start":1925.255,"end":1925.655,"sentiment":"neutral","sentiment_score":0.13089244067668915},{"text":"So they'll hold your hand.","start":1925.655,"end":1927.11,"sentiment":"positive","sentiment_score":0.3766064703464508}],"sentiment":"neutral","sentiment_score":0.30877885669469834,"num_words":30,"start":1918.615,"end":1927.11},{"sentences":[{"text":"Amazing.","start":1927.27,"end":1927.59,"sentiment":"positive","sentiment_score":0.7034435868263245},{"text":"Alright.","start":1927.59,"end":1927.99,"sentiment":"positive","sentiment_score":0.4254034459590912},{"text":"Well, let me get to work.","start":1927.99,"end":1929.11,"sentiment":"positive","sentiment_score":0.4035212943951289},{"text":"Thank you for your time.","start":1929.11,"end":1930.07,"sentiment":"positive","sentiment_score":0.7551432490348816},{"text":"Always a pleasure, never a chore, and I will speak to you on Monday.","start":1930.07,"end":1933.13,"sentiment":"positive","sentiment_score":0.5590770159448896}],"sentiment":"positive","sentiment_score":0.5612136765762612,"num_words":27,"start":1927.27,"end":1933.13},{"sentences":[{"text":"Awesome.","start":1934.63,"end":1934.95,"sentiment":"positive","sentiment_score":0.7713416814804077},{"text":"Thanks for your time, guys.","start":1934.95,"end":1936.15,"sentiment":"positive","sentiment_score":0.7941333770751953},{"text":"See you.","start":1936.15,"end":1936.5499,"sentiment":"positive","sentiment_score":0.6626435816287994},{"text":"Bye.","start":1936.5499,"end":1937.0499,"sentiment":"positive","sentiment_score":0.3720153272151947}],"sentiment":"positive","sentiment_score":0.7154790063699087,"num_words":9,"start":1934.63,"end":1937.0499}]}}]},{"alternatives":[{"transcript":"Hi. Yeah. Yeah. We lost you. Sorry. I'm not too sure what it was saying. I think it was something about the insurances and what to do from there. Yeah. I have not. No. I have seen that you've been active, you know, in in the shares and stuff that that's it. Yeah. Oh, that's pretty good. Towards the the end of when we were gonna be like, what what was planned to be on holiday because I've I've not been back to work yet, and that's probably two months. Yeah. We we couldn't get to fly initially. We needed to stay in South Africa for another four weeks after the stroke before Ian was cleared to fly along. It's pretty close to three months. '20 seventh twenty seventh of July. Right. So I haven't I haven't actually work hasn't suspended paying me or anything like that. Yes. Okay. Sounds good. Yeah. Right. Okay. Yes. Well, that is good news. Yeah. I'm not in What an iPad, though? I do have an iPad. I'm here. Sure. Open it. It's come through. Sorry. Sorry. I was just trying to find it. It come through on Ian's watch, so we're just waiting to see it coming through in the primary inbox that's on there. There we go. Got it. So scroll. It's receiving a document. Are you looking for the attachments? Yep. Click on it. It's done. The one it's done documents. Yep. Open. It's taking some time to open up. Yeah. It looks like it's stuck with nothing actually opening. Can you CC myself in as well, Pea City? Yep. Yep. Okay. Yeah. B e e dot stigman @gmail.com. Is it? Got it. Yep. I'm sure. Yes. Yes. So there's five attachments. Which one should I open? Yeah. Yes. That's the Summary that's insurance sum summary. Yeah. Okay. Yeah. Correct. Okay. No. I think that's there. I think I mean, my intention is to resume working as as per normal. But it's yeah. So, I mean, we're working towards that with OTs and that kind of stuff, but it is good to know that we have a plan b if needed. No. So what I'm saying is, you know, we're working pretty hard at the moment with specialists, you know, for Ian to be able to return to work. That's excellent. Okay. That's good. And, you know, that's, you know, you know, from a personal note, we're working towards return to work. But it is good to know our options, you know, and if things don't go our way. Yes. Yes. Yes. I'm I'm not working, so I'm I'm hardly available at the moment. So yeah. Well. Yes. K. Yes. Okay. Yes. Yeah. Okay. Right. Yes. It does. And, Sydney, there's there's one more more question. Like, something that's been for a while. Like, I was thinking back three years when we started talking. One of the things you said in one of our first conversations, I need to have my will sorted out. So I I had done. So yes. So can you give us, like, what should I be doing to to sort that out? All I wanted is not to create complications and and have a hard time to to sort out estate and stuff. Okay. Okay. Okay. No. I I don't believe ours will be complicated. Don't have business or anything. Okay. Okay. I think we'll check that out, but it's it's one of the things that's bugging me that I haven't done. So We do have other questions. Did you wanna go first? Well, I I was thinking quite a lot about retirement in in the last short while. And, obviously, since the strike, it's like, what if I can't work? What what if that happens? Like, what what does it actually take to to retire and, you know, how how would I even start working through that? Like, you know, I've I've been based for successful. I've worked for over thirty years now. So, you know, I think that a typical career should be about thirty years. And, yeah, then what Yes. Right. Okay. Yep. Yes. Yeah. Right. Okay. The other query that I have for you is we've received some funds from Ian's dad in South Africa to invest in it. It's not massive. It's probably about $10 British pounds, And we need to kind of put it somewhere and some have invested on this side, but we're a little bit unsure as to where to even start as to what would be a good spot that we'll need to able to access it should his health, you know, in his dad is close to 90. So should his health deteriorate, we might need to access it. But, you know, it's kind of sensitive to us in the interim to kind of look after. Yep. Yep. So, no, it is still in Sterling Point. So what he's done is I have a international travel account. So they've sent it to me in GBP. So it's sitting in my Wise account. So, obviously, it's not doing anything for us as yet. So I would then just need to move it to whichever account it needs to be in when the time is ready. Yeah. Yes. I am working full time at the moment. Okay. Alright. We'll do that. Yeah. Yeah. Sounds good. Alright. Yeah. We have to discuss it about that one on Monday. For sure. For sure. No. I'm happy with that. Thanks, Debbie. Yes. Yeah. For sure. Sure. Kindly not. Yeah. This doesn't seem to be opening for us, really. It it must be because they're on the iPad and not on a computer. There was no dramas last time, like, when when we did the last time. Yes. Yes. Yeah. We can send that out. We can yeah. If you just email us, it'll make a plan. I'm good. Excellent. Yes. Oh, for sure. I am still looking forward to a complete recovery, though. Oh, for sure. Okay. No. That sounds good. Oh, brilliant. Alright. That's Those those are strictly the types of resources that we're looking at at new. Okay? Yes. Oh, excellent. No. That's good news. Thanks, Debbie. Yeah. 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Yeah. Yeah. We lost you. Sorry.\n\nI'm not too sure what it was saying. I think it was something about the insurances and what to do from there. Yeah. I have not. No.\n\nI have seen that you've been active, you know, in in the shares and stuff that that's it. Yeah. Oh, that's pretty good. Towards the the end of when we were gonna be like, what what was planned to be on holiday because I've I've not been back to work yet, and that's probably two months. Yeah.\n\nWe we couldn't get to fly initially. We needed to stay in South Africa for another four weeks after the stroke before Ian was cleared to fly along. It's pretty close to three months. '20 seventh twenty seventh of July. Right.\n\nSo I haven't I haven't actually work hasn't suspended paying me or anything like that. Yes. Okay. Sounds good. Yeah.\n\nRight. Okay. Yes. Well, that is good news. Yeah.\n\nI'm not in What an iPad, though? I do have an iPad. I'm here. Sure. Open it.\n\nIt's come through. Sorry. Sorry. I was just trying to find it. It come through on Ian's watch, so we're just waiting to see it coming through in the primary inbox that's on there.\n\nThere we go. Got it. So scroll. It's receiving a document. Are you looking for the attachments?\n\nYep. Click on it. It's done. The one it's done documents. Yep.\n\nOpen. It's taking some time to open up. Yeah. It looks like it's stuck with nothing actually opening. Can you CC myself in as well, Pea City?\n\nYep. Yep. Okay. Yeah. B e e dot stigman @gmail.com.\n\nIs it? Got it. Yep. I'm sure. Yes.\n\nYes. So there's five attachments. Which one should I open? Yeah. Yes.\n\nThat's the Summary that's insurance sum summary. Yeah. Okay. Yeah. Correct.\n\nOkay. No. I think that's there. I think I mean, my intention is to resume working as as per normal. But it's yeah.\n\nSo, I mean, we're working towards that with OTs and that kind of stuff, but it is good to know that we have a plan b if needed. No. So what I'm saying is, you know, we're working pretty hard at the moment with specialists, you know, for Ian to be able to return to work. That's excellent. Okay.\n\nThat's good. And, you know, that's, you know, you know, from a personal note, we're working towards return to work. But it is good to know our options, you know, and if things don't go our way. Yes. Yes.\n\nYes. I'm I'm not working, so I'm I'm hardly available at the moment. So yeah. Well. Yes.\n\nK. Yes. Okay. Yes. Yeah.\n\nOkay. Right. Yes. It does. And, Sydney, there's there's one more more question.\n\nLike, something that's been for a while. Like, I was thinking back three years when we started talking. One of the things you said in one of our first conversations, I need to have my will sorted out. So I I had done. So yes.\n\nSo can you give us, like, what should I be doing to to sort that out? All I wanted is not to create complications and and have a hard time to to sort out estate and stuff. Okay. Okay. Okay.\n\nNo. I I don't believe ours will be complicated. Don't have business or anything. Okay. Okay.\n\nI think we'll check that out, but it's it's one of the things that's bugging me that I haven't done. So We do have other questions. Did you wanna go first? Well, I I was thinking quite a lot about retirement in in the last short while. And, obviously, since the strike, it's like, what if I can't work?\n\nWhat what if that happens? Like, what what does it actually take to to retire and, you know, how how would I even start working through that? Like, you know, I've I've been based for successful. I've worked for over thirty years now. So, you know, I think that a typical career should be about thirty years.\n\nAnd, yeah, then what Yes. Right. Okay. Yep. Yes.\n\nYeah. Right. Okay. The other query that I have for you is we've received some funds from Ian's dad in South Africa to invest in it. It's not massive.\n\nIt's probably about $10 British pounds, And we need to kind of put it somewhere and some have invested on this side, but we're a little bit unsure as to where to even start as to what would be a good spot that we'll need to able to access it should his health, you know, in his dad is close to 90. So should his health deteriorate, we might need to access it. But, you know, it's kind of sensitive to us in the interim to kind of look after. Yep. Yep.\n\nSo, no, it is still in Sterling Point. So what he's done is I have a international travel account. So they've sent it to me in GBP. So it's sitting in my Wise account. So, obviously, it's not doing anything for us as yet.\n\nSo I would then just need to move it to whichever account it needs to be in when the time is ready. Yeah. Yes. I am working full time at the moment. Okay.\n\nAlright. We'll do that. Yeah. Yeah. Sounds good.\n\nAlright. Yeah. We have to discuss it about that one on Monday. For sure. For sure.\n\nNo. I'm happy with that. Thanks, Debbie. Yes. Yeah.\n\nFor sure. Sure. Kindly not. Yeah. This doesn't seem to be opening for us, really.\n\nIt it must be because they're on the iPad and not on a computer. There was no dramas last time, like, when when we did the last time. Yes. Yes. Yeah.\n\nWe can send that out. We can yeah. If you just email us, it'll make a plan. I'm good. Excellent.\n\nYes. Oh, for sure. I am still looking forward to a complete recovery, though. Oh, for sure. Okay.\n\nNo. That sounds good. Oh, brilliant. Alright. That's Those those are strictly the types of resources that we're looking at at new.\n\nOkay? Yes. Oh, excellent. No. That's good news.\n\nThanks, Debbie. Yeah. Bye bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":1.68,"end":2.1799998,"sentiment":"neutral","sentiment_score":-0.024927012622356415},{"text":"Yeah.","start":5.2799997,"end":5.7799997,"sentiment":"neutral","sentiment_score":-0.17327842116355896},{"text":"Yeah.","start":6.48,"end":6.8799996,"sentiment":"neutral","sentiment_score":-0.2348961979150772},{"text":"We lost you.","start":6.8799996,"end":7.68,"sentiment":"negative","sentiment_score":-0.4015563130378723},{"text":"Sorry.","start":7.68,"end":8.18,"sentiment":"neutral","sentiment_score":-0.3281465172767639}],"sentiment":"neutral","sentiment_score":-0.28084529829876764,"num_words":7,"start":1.68,"end":8.18},{"sentences":[{"text":"I'm not too sure what it was saying.","start":15.175,"end":17.515,"sentiment":"neutral","sentiment_score":-0.22044936753809452},{"text":"I think it was something about the insurances and what to do from 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be like, what what was planned to be on holiday because I've I've not been back to work yet, and that's probably two months.","start":113.39,"end":128.105,"sentiment":"neutral","sentiment_score":-0.16693789263566336},{"text":"Yeah.","start":128.485,"end":128.805,"sentiment":"neutral","sentiment_score":-0.1044394075870514}],"sentiment":"neutral","sentiment_score":-0.0772157224189294,"num_words":57,"start":47.645,"end":128.805},{"sentences":[{"text":"We we couldn't get to fly initially.","start":128.805,"end":131.145,"sentiment":"negative","sentiment_score":-0.3562564807278769},{"text":"We needed to stay in South Africa for another four weeks after the stroke before Ian was cleared to fly along.","start":131.205,"end":137.94499,"sentiment":"neutral","sentiment_score":-0.16657390862348534},{"text":"It's pretty close to three months.","start":152.61,"end":154.715,"sentiment":"neutral","sentiment_score":-0.15559927374124527},{"text":"'20 seventh twenty seventh of July.","start":154.855,"end":157.515,"sentiment":"neutral","sentiment_score":0.015506652804712454},{"text":"Right.","start":182.445,"end":182.945,"sentiment":"neutral","sentiment_score":0.02395830862224102}],"sentiment":"neutral","sentiment_score":-0.16605963080939723,"num_words":41,"start":128.805,"end":182.945},{"sentences":[{"text":"So I haven't I haven't actually work hasn't suspended paying me or anything like that.","start":183.325,"end":191.825,"sentiment":"neutral","sentiment_score":-0.2490336614350478},{"text":"Yes.","start":248.425,"end":248.925,"sentiment":"neutral","sentiment_score":-0.15393950045108795},{"text":"Okay.","start":262.08,"end":262.58,"sentiment":"neutral","sentiment_score":0.22486872971057892},{"text":"Sounds 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attachments?","start":422.88998,"end":425.06998,"sentiment":"neutral","sentiment_score":0.005403359731038411}],"sentiment":"neutral","sentiment_score":0.07279372319359989,"num_words":17,"start":399.03,"end":425.06998},{"sentences":[{"text":"Yep.","start":437.575,"end":438.075,"sentiment":"neutral","sentiment_score":0.015265239402651789},{"text":"Click on it.","start":438.135,"end":439.115,"sentiment":"neutral","sentiment_score":0.013131823080281416},{"text":"It's done.","start":439.73502,"end":440.295,"sentiment":"neutral","sentiment_score":0.01425690297037363},{"text":"The one it's done 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open?","start":608.635,"end":609.935,"sentiment":"neutral","sentiment_score":0.013809308223426343},{"text":"Yeah.","start":635.675,"end":636.175,"sentiment":"neutral","sentiment_score":0.043599870055913925},{"text":"Yes.","start":640.13,"end":640.61,"sentiment":"neutral","sentiment_score":0.037352144718170166}],"sentiment":"neutral","sentiment_score":0.016395923526336748,"num_words":12,"start":604.47504,"end":640.61},{"sentences":[{"text":"That's the Summary that's insurance sum 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done.","start":1120.95,"end":1123.9299,"sentiment":"neutral","sentiment_score":0.1373888686299324},{"text":"So yes.","start":1124.23,"end":1129.705,"sentiment":"neutral","sentiment_score":0.15227269381284714}],"sentiment":"neutral","sentiment_score":0.014974880073633458,"num_words":45,"start":1109.635,"end":1129.705},{"sentences":[{"text":"So can you give us, like, what should I be doing to to sort that out?","start":1130.005,"end":1135.305,"sentiment":"neutral","sentiment_score":0.09942925767973065},{"text":"All I wanted is not to create complications and and have a hard time to to sort out estate and stuff.","start":1160.705,"end":1169.045,"sentiment":"neutral","sentiment_score":-0.04259093300927253},{"text":"Okay.","start":1181.23,"end":1181.73,"sentiment":"neutral","sentiment_score":0.08047638833522797},{"text":"Okay.","start":1209.7301,"end":1210.2301,"sentiment":"neutral","sentiment_score":0.13552731275558472},{"text":"Okay.","start":1210.37,"end":1210.87,"sentiment":"neutral","sentiment_score":0.13979628682136536}],"sentiment":"neutral","sentiment_score":0.026306462939828634,"num_words":40,"start":1130.005,"end":1210.87},{"sentences":[{"text":"No.","start":1226.96,"end":1227.12,"sentiment":"negative","sentiment_score":-0.549467146396637},{"text":"I I don't believe ours will be complicated.","start":1227.12,"end":1229.22,"sentiment":"negative","sentiment_score":-0.6444742754101753},{"text":"Don't have business or anything.","start":1229.68,"end":1231.54,"sentiment":"neutral","sentiment_score":-0.24069866240024568},{"text":"Okay.","start":1244.7251,"end":1245.2251,"sentiment":"neutral","sentiment_score":0.019769132137298584},{"text":"Okay.","start":1245.6051,"end":1246.005,"sentiment":"neutral","sentiment_score":0.02004043012857437}],"sentiment":"negative","sentiment_score":-0.4293090687133372,"num_words":16,"start":1226.96,"end":1246.005},{"sentences":[{"text":"I think we'll check that out, but it's it's one of the things that's bugging me that I haven't done.","start":1246.005,"end":1251.2251,"sentiment":"neutral","sentiment_score":-0.10459071734221652},{"text":"So We do have other questions.","start":1251.3651,"end":1288.7899,"sentiment":"neutral","sentiment_score":0.03975615091621875},{"text":"Did you wanna go first?","start":1288.7899,"end":1290.01,"sentiment":"neutral","sentiment_score":0.0390697468072176},{"text":"Well, I I was thinking quite a lot about retirement in in the last short while.","start":1292.39,"end":1300.135,"sentiment":"neutral","sentiment_score":-0.026051281951367855},{"text":"And, obviously, since the strike, it's like, what if I can't work?","start":1300.275,"end":1303.875,"sentiment":"neutral","sentiment_score":-0.1414630397533377}],"sentiment":"neutral","sentiment_score":-0.06393738467072657,"num_words":59,"start":1246.005,"end":1303.875},{"sentences":[{"text":"What what if that happens?","start":1303.875,"end":1305.3151,"sentiment":"neutral","sentiment_score":-0.20469890534877777},{"text":"Like, what what does it actually take to to retire and, you know, how how would I even start working through that?","start":1305.3151,"end":1316.4,"sentiment":"neutral","sentiment_score":-0.08438113484192979},{"text":"Like, you know, I've I've been based for successful.","start":1316.4,"end":1322.325,"sentiment":"neutral","sentiment_score":0.026140568157037098},{"text":"I've worked for over thirty years now.","start":1322.325,"end":1324.885,"sentiment":"neutral","sentiment_score":0.08184983368430819},{"text":"So, you know, I think that a typical career should be about thirty years.","start":1324.885,"end":1331.285,"sentiment":"neutral","sentiment_score":0.057184773098145215}],"sentiment":"neutral","sentiment_score":-0.022299626678751225,"num_words":57,"start":1303.875,"end":1331.285},{"sentences":[{"text":"And, yeah, then what Yes.","start":1331.285,"end":1356.325,"sentiment":"neutral","sentiment_score":0.07008096054196358},{"text":"Right.","start":1386.605,"end":1387.105,"sentiment":"neutral","sentiment_score":0.2366238534450531},{"text":"Okay.","start":1401.6901,"end":1402.1901,"sentiment":"neutral","sentiment_score":0.2363024801015854},{"text":"Yep.","start":1403.93,"end":1404.43,"sentiment":"neutral","sentiment_score":0.14041785895824432},{"text":"Yes.","start":1404.65,"end":1405.15,"sentiment":"neutral","sentiment_score":0.21770992875099185}],"sentiment":"neutral","sentiment_score":0.13127321377396584,"num_words":9,"start":1331.285,"end":1405.15},{"sentences":[{"text":"Yeah.","start":1405.4501,"end":1405.9501,"sentiment":"neutral","sentiment_score":0.27063074707984924},{"text":"Right.","start":1409.745,"end":1410.245,"sentiment":"neutral","sentiment_score":0.0730283334851265},{"text":"Okay.","start":1412.145,"end":1412.645,"sentiment":"neutral","sentiment_score":0.06007537990808487},{"text":"The other query that I have for you is we've received some funds from Ian's dad in South Africa to invest in it.","start":1414.7051,"end":1428.44,"sentiment":"neutral","sentiment_score":0.03583860105794409},{"text":"It's not massive.","start":1428.44,"end":1429.82,"sentiment":"neutral","sentiment_score":-0.16695357859134674}],"sentiment":"neutral","sentiment_score":0.025074536173508084,"num_words":29,"start":1405.4501,"end":1429.82},{"sentences":[{"text":"It's probably about $10 British pounds, And we need to kind of put it somewhere and some have invested on this side, but we're a little bit unsure as to where to even start as to what would be a good spot that we'll need to able to access it should his health, you know, in his dad is close to 90.","start":1429.96,"end":1454.72,"sentiment":"neutral","sentiment_score":-0.10268632166327969},{"text":"So should his health deteriorate, we might need to access it.","start":1454.72,"end":1457.86,"sentiment":"neutral","sentiment_score":-0.24531383676962418},{"text":"But, you know, it's kind of sensitive to us in the interim to kind of look after.","start":1458.4,"end":1466.725,"sentiment":"neutral","sentiment_score":-0.11404041222789708},{"text":"Yep.","start":1471.5049,"end":1472.0049,"sentiment":"neutral","sentiment_score":-0.015247279778122902},{"text":"Yep.","start":1475.0249,"end":1475.52,"sentiment":"neutral","sentiment_score":0.06793177127838135}],"sentiment":"neutral","sentiment_score":-0.11903268113003476,"num_words":92,"start":1429.96,"end":1475.52},{"sentences":[{"text":"So, no, it is still in Sterling Point.","start":1481.76,"end":1483.36,"sentiment":"neutral","sentiment_score":-0.02717520948499441},{"text":"So what he's done is I have a international travel account.","start":1483.36,"end":1487.62,"sentiment":"neutral","sentiment_score":0.022963540120558304},{"text":"So they've sent it to me in GBP.","start":1488.785,"end":1491.605,"sentiment":"neutral","sentiment_score":0.02311193838249892},{"text":"So it's sitting in my Wise account.","start":1491.745,"end":1494.385,"sentiment":"neutral","sentiment_score":-0.03227556071111134},{"text":"So, obviously, it's not doing anything for us as yet.","start":1494.385,"end":1497.125,"sentiment":"neutral","sentiment_score":-0.15929364636540413}],"sentiment":"neutral","sentiment_score":-0.036335741275582804,"num_words":44,"start":1481.76,"end":1497.125},{"sentences":[{"text":"So I would then just need to move it to whichever account it needs to be in when the time is ready.","start":1497.505,"end":1505.04,"sentiment":"neutral","sentiment_score":-0.02675887772982771},{"text":"Yeah.","start":1522.385,"end":1522.885,"sentiment":"neutral","sentiment_score":0.03314854949712753},{"text":"Yes.","start":1526.145,"end":1526.545,"sentiment":"neutral","sentiment_score":0.03846780210733414},{"text":"I am working full time at the moment.","start":1526.545,"end":1528.485,"sentiment":"neutral","sentiment_score":0.042758726980537176},{"text":"Okay.","start":1576.225,"end":1576.725,"sentiment":"neutral","sentiment_score":0.07976096123456955}],"sentiment":"neutral","sentiment_score":-0.0028863085264509373,"num_words":33,"start":1497.505,"end":1576.725},{"sentences":[{"text":"Alright.","start":1577.505,"end":1577.905,"sentiment":"neutral","sentiment_score":0.040791094303131104},{"text":"We'll do that.","start":1577.905,"end":1578.805,"sentiment":"neutral","sentiment_score":0.11870163927475612},{"text":"Yeah.","start":1584.145,"end":1584.51,"sentiment":"neutral","sentiment_score":0.06068072468042374},{"text":"Yeah.","start":1603.8151,"end":1604.3151,"sentiment":"neutral","sentiment_score":0.06264516711235046},{"text":"Sounds good.","start":1611.8151,"end":1612.635,"sentiment":"positive","sentiment_score":0.5144117772579193}],"sentiment":"neutral","sentiment_score":0.19363068230450153,"num_words":8,"start":1577.505,"end":1612.635},{"sentences":[{"text":"Alright.","start":1613.6901,"end":1614.01,"sentiment":"positive","sentiment_score":0.3933364152908325},{"text":"Yeah.","start":1614.01,"end":1614.17,"sentiment":"neutral","sentiment_score":0.2180638313293457},{"text":"We have to discuss it about that one on Monday.","start":1614.17,"end":1616.59,"sentiment":"neutral","sentiment_score":0.10822308510541916},{"text":"For sure.","start":1622.89,"end":1623.63,"sentiment":"neutral","sentiment_score":0.01987756323069334},{"text":"For sure.","start":1625.05,"end":1625.53,"sentiment":"neutral","sentiment_score":0.033300552517175674}],"sentiment":"neutral","sentiment_score":0.11249920807313174,"num_words":16,"start":1613.6901,"end":1625.53},{"sentences":[{"text":"No.","start":1625.53,"end":1625.77,"sentiment":"neutral","sentiment_score":-0.1323763132095337},{"text":"I'm happy with that.","start":1625.77,"end":1626.5701,"sentiment":"neutral","sentiment_score":-0.062030334025621414},{"text":"Thanks, Debbie.","start":1626.5701,"end":1627.31,"sentiment":"neutral","sentiment_score":0.30205343663692474},{"text":"Yes.","start":1632.545,"end":1633.025,"sentiment":"neutral","sentiment_score":0.10316141694784164},{"text":"Yeah.","start":1633.025,"end":1633.3451,"sentiment":"neutral","sentiment_score":0.13020005822181702}],"sentiment":"neutral","sentiment_score":0.05077452212572098,"num_words":9,"start":1625.53,"end":1633.3451},{"sentences":[{"text":"For sure.","start":1633.3451,"end":1634.0851,"sentiment":"neutral","sentiment_score":0.19303994625806808},{"text":"Sure.","start":1648.4199,"end":1648.9,"sentiment":"neutral","sentiment_score":0.009618056006729605},{"text":"Kindly not.","start":1648.9,"end":1649.7999,"sentiment":"neutral","sentiment_score":-0.05981796234846115},{"text":"Yeah.","start":1665.985,"end":1666.485,"sentiment":"neutral","sentiment_score":0.28225424885749817},{"text":"This doesn't seem to be opening for us, really.","start":1672.1,"end":1674.68,"sentiment":"neutral","sentiment_score":-0.2591966191927592}],"sentiment":"neutral","sentiment_score":-0.11829688667009274,"num_words":15,"start":1633.3451,"end":1674.68},{"sentences":[{"text":"It it must be because they're on the iPad and not on a computer.","start":1675.7,"end":1679.0,"sentiment":"neutral","sentiment_score":-0.04946763986455543},{"text":"There was no dramas last time, like, when when we did the last time.","start":1684.515,"end":1689.495,"sentiment":"neutral","sentiment_score":-0.08650555248771395},{"text":"Yes.","start":1727.34,"end":1727.84,"sentiment":"neutral","sentiment_score":-0.04810650274157524},{"text":"Yes.","start":1741.435,"end":1741.935,"sentiment":"neutral","sentiment_score":0.0103811202570796},{"text":"Yeah.","start":1742.155,"end":1742.315,"sentiment":"neutral","sentiment_score":0.0493038184940815}],"sentiment":"neutral","sentiment_score":-0.0610337502232963,"num_words":31,"start":1675.7,"end":1742.315},{"sentences":[{"text":"We can send that out.","start":1742.315,"end":1743.615,"sentiment":"neutral","sentiment_score":0.239607934653759},{"text":"We can yeah.","start":1744.155,"end":1745.295,"sentiment":"neutral","sentiment_score":0.1394105777144432},{"text":"If you just email us, it'll make a plan.","start":1746.075,"end":1748.335,"sentiment":"neutral","sentiment_score":0.11568939520253076},{"text":"I'm good.","start":1823.05,"end":1823.685,"sentiment":"positive","sentiment_score":0.46106673777103424},{"text":"Excellent.","start":1824.0851,"end":1824.5851,"sentiment":"positive","sentiment_score":0.7155596017837524}],"sentiment":"neutral","sentiment_score":0.21475845202803612,"num_words":20,"start":1742.315,"end":1824.5851},{"sentences":[{"text":"Yes.","start":1840.53,"end":1841.03,"sentiment":"neutral","sentiment_score":0.03624625504016876},{"text":"Oh, for sure.","start":1841.73,"end":1842.7101,"sentiment":"neutral","sentiment_score":0.05684702346722285},{"text":"I am still looking forward to a complete recovery, though.","start":1843.73,"end":1848.6901,"sentiment":"neutral","sentiment_score":0.19676572754979132},{"text":"Oh, for sure.","start":1848.6901,"end":1849.51,"sentiment":"neutral","sentiment_score":0.13914176325003305},{"text":"Okay.","start":1871.61,"end":1872.11,"sentiment":"neutral","sentiment_score":-0.029584920033812523}],"sentiment":"neutral","sentiment_score":0.1423491650364465,"num_words":18,"start":1840.53,"end":1872.11},{"sentences":[{"text":"No.","start":1911.555,"end":1911.795,"sentiment":"neutral","sentiment_score":-0.1200166791677475},{"text":"That sounds good.","start":1911.795,"end":1912.515,"sentiment":"positive","sentiment_score":0.47822638352711994},{"text":"Oh, brilliant.","start":1912.515,"end":1912.995,"sentiment":"positive","sentiment_score":0.5345355719327927},{"text":"Alright.","start":1912.995,"end":1913.315,"sentiment":"neutral","sentiment_score":0.2890931963920593},{"text":"That's Those those are strictly the types of resources that we're looking at at new.","start":1913.315,"end":1919.315,"sentiment":"neutral","sentiment_score":0.0752570502460003}],"sentiment":"neutral","sentiment_score":0.17280375297096642,"num_words":22,"start":1911.555,"end":1919.315},{"sentences":[{"text":"Okay?","start":1919.315,"end":1919.815,"sentiment":"neutral","sentiment_score":0.07372930645942688},{"text":"Yes.","start":1923.32,"end":1923.82,"sentiment":"neutral","sentiment_score":0.2544091045856476},{"text":"Oh, excellent.","start":1923.96,"end":1924.62,"sentiment":"positive","sentiment_score":0.4952372610569},{"text":"No.","start":1924.76,"end":1925.0,"sentiment":"neutral","sentiment_score":0.17247536778450012},{"text":"That's good news.","start":1925.0,"end":1925.9,"sentiment":"positive","sentiment_score":0.3488297462463379}],"sentiment":"neutral","sentiment_score":0.31719719246029854,"num_words":8,"start":1919.315,"end":1925.9},{"sentences":[{"text":"Thanks, Debbie.","start":1933.3989,"end":1934.2789,"sentiment":"positive","sentiment_score":0.6407550573348999},{"text":"Yeah.","start":1934.2789,"end":1934.7789,"sentiment":"positive","sentiment_score":0.5094472169876099},{"text":"Bye bye.","start":1937.1589,"end":1937.8989,"sentiment":"neutral","sentiment_score":0.04460443183779716}],"sentiment":"positive","sentiment_score":0.3760332390666008,"num_words":5,"start":1933.3989,"end":1937.8989}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hi.\n\nChannel 0: Hey. I'm not too sure what happened there. You cut out\n\nChannel 1: Yeah.\n\nChannel 0: of me.\n\nChannel 1: Yeah. We lost you. Sorry.\n\nChannel 0: Yeah. I don't know why. Where where does it cut out?\n\nChannel 1: I'm not too sure what it was saying. I think it was something about the insurances and\n\nChannel 0: Yeah. Yep. Okay. So\n\nChannel 1: what\n\nChannel 0: what\n\nChannel 1: to\n\nChannel 0: I'll do\n\nChannel 1: do\n\nChannel 0: is\n\nChannel 1: from\n\nChannel 0: let's\n\nChannel 1: there.\n\nChannel 0: let's let's just yeah. No. That's okay. What I'll do is I'll send you through a a a couple documents just to give you an idea of what the breakdown is regarding your regarding your insurances, but also the performance in the defensive portfolio within your Up twenty four account.\n\nChannel 1: Yeah.\n\nChannel 0: I don't know if you've have you logged in to Hub twenty four recently? Or\n\nChannel 1: I have not. No.\n\nChannel 0: Okay. It's\n\nChannel 1: I have seen that you've been active, you know, in in the shares and stuff that\n\nChannel 0: Absolutely.\n\nChannel 1: that's it.\n\nChannel 0: Yeah. Yep. It's time when when there is when it's time to go, it's time to go. You know? We definitely\n\nChannel 1: Yeah.\n\nChannel 0: take action when the market is favorable, and that's at the moment. And if you look at your Hub twenty four portfolio, you can see since inception, I believe it was January September 2023. That's how long you've been here for. Wow. Crazy.\n\nOver that time, you've actually achieved better than the benchmark, and you've done, like, total return in those three years of 40.3%. So I'll show\n\nChannel 1: Oh,\n\nChannel 0: you\n\nChannel 1: that's\n\nChannel 0: that in\n\nChannel 1: pretty\n\nChannel 0: a sec.\n\nChannel 1: good.\n\nChannel 0: Yeah. Yeah. It's a really, really strong return. So I just want to get this report up because one of my favorite reports is in in your actual documents. So one second.\n\nAccount reports. There we go. But other than that, I've got everything else sorted out. So did this did this stroke happen towards the end or in the beginning of the holiday?\n\nChannel 1: Towards the the end of when we were gonna be like, what what was planned to be on holiday because I've I've not been back to work yet, and that's probably two\n\nChannel 0: Yeah.\n\nChannel 1: months. Yeah. We we couldn't get to fly initially. We needed to stay in South Africa for another four weeks after the stroke before Ian was cleared\n\nChannel 0: Okay.\n\nChannel 1: to fly\n\nChannel 0: Okay.\n\nChannel 1: along.\n\nChannel 0: Well, while I'm getting these documents up, I'll let you know. So that income protection claim, you've got a ninety day waiting waiting period. So that's that's three months. How long has it been since you've been off work?\n\nChannel 1: It's pretty close to three months. '20\n\nChannel 0: Okay.\n\nChannel 1: seventh twenty seventh\n\nChannel 0: I\n\nChannel 1: of\n\nChannel 0: reckon\n\nChannel 1: July.\n\nChannel 0: we should make a claim as soon as possible. Because if you're not looking at going because after ninety days, you'll get paid in arrears for the next for the next month, for the next thirty days. So pretty much as of next month, you or the date of incidents, ninety days after, from that moment on, you'll be paid $19,771.75 every month.\n\nChannel 1: Right. So\n\nChannel 0: Yes.\n\nChannel 1: I haven't I haven't actually work hasn't suspended paying me or anything like that.\n\nChannel 0: Okay. So that that's where the catch is. But it's it's what what happens is they will essentially if you if you if they pay you less or sick leave or anything like that runs up, they will top it up to whatever that benefits of your income protection some insured is for. But we can get to that when we after we submit the claim. I think we should just find some time to run through that.\n\nNow I need some time to I'll do it today. Just submit that insurance up insurance claim process, get that get that going. And then on, I think, on Monday, we could probably catch up again, and we can just, you know, break it all down, get it all sorted out, and we'll I'll let you know a little bit more of an update on what happens from there. But, essentially, not only do we write the insurances, we also we also wanna make sure that we do the claims as well. Because insurance companies, we all know they absolutely love taking your money, but when it comes time to claim, they don't like really paying it up\n\nChannel 1: Yes.\n\nChannel 0: that much. They make it difficult. So when you've when you've got somebody that knows the definitions and how it works, you know, they usually don't even put up a fight. So that leave that into our hands. We'll we'll get that claim sorted out for you.\n\nChannel 1: Okay. Sounds good.\n\nChannel 0: Perfect. You've also got total permanent disability. So for whatever reason, if you are unable to perform your usual duties of work due to injury or illness moving forward, you will we could we could more than likely be able to claim on a total permanent disability claim, which is $901,591 at the moment. So that's that's that's a good option as well depending on the severity.\n\nChannel 1: Yeah. Right.\n\nChannel 0: Okay.\n\nChannel 1: Okay.\n\nChannel 0: So so you do have options and which is good. So, yeah, it's definitely definitely something to consider, especially on grabbing care plus insurance. It's it's always one of those things you you don't expect to happen. But when it does, you wanna make sure you protect it, then you are, which is good.\n\nChannel 1: Yes. Well, that is good news. Yeah.\n\nChannel 0: Yeah. Mhmm. Just trying to quickly throw this document in. There we go. There we go.\n\nThere we go. And that is from inception. Yep. Open. I just wanna show you an inception report because this year has been a little bit how do I say?\n\nIt's been a little bit strange. That's why we've been moving assets so much. But what I wanna do is put that there. There we go. Done.\n\nSend. I'm sending this now in segment. Are you in front of a computer? Do you have your email\n\nChannel 1: I'm not\n\nChannel 0: stickers?\n\nChannel 1: in What an iPad, though? I do\n\nChannel 0: No.\n\nChannel 1: have an\n\nChannel 0: IPad\n\nChannel 1: iPad. I'm here.\n\nChannel 0: iPad's fine. Just on your email from the Gmail. So stegas71@gmail\n\nChannel 1: Sure. Open it.\n\nChannel 0: dot com. Patty and let's see. Beautiful. Alright. It's somewhere out there in the ether webs, so let me know when you let me know when you have received it.\n\nChannel 1: It's come through.\n\nChannel 0: Beautiful. Amazing. So you wanna click on the review documents?\n\nChannel 1: Sorry. Sorry. I was just trying to find it. It come\n\nChannel 0: No.\n\nChannel 1: through\n\nChannel 0: That's\n\nChannel 1: on\n\nChannel 0: okay.\n\nChannel 1: Ian's watch, so we're just waiting to\n\nChannel 0: That's\n\nChannel 1: see it coming\n\nChannel 0: okay.\n\nChannel 1: through in the primary inbox that's\n\nChannel 0: It's\n\nChannel 1: on there.\n\nChannel 0: alright. Take your time.\n\nChannel 1: There we go.\n\nChannel 0: Amazing.\n\nChannel 1: Got it.\n\nChannel 0: So\n\nChannel 1: So\n\nChannel 0: when\n\nChannel 1: scroll.\n\nChannel 0: you open\n\nChannel 1: It's receiving\n\nChannel 0: yeah.\n\nChannel 1: a\n\nChannel 0: So\n\nChannel 1: document.\n\nChannel 0: you want so you wanna open up the documents, and the first document you should be looking at is that summary of superannuation as of the 09/03/2026.\n\nChannel 1: Are you looking for the attachments?\n\nChannel 0: In the email of from OPU Otisign, it's our own CRM, you should have a little big kind of purple or blue button that says review documents.\n\nChannel 1: Yep. Click on it.\n\nChannel 0: You got that? Yep. Click\n\nChannel 1: It's\n\nChannel 0: on\n\nChannel 1: done.\n\nChannel 0: that and\n\nChannel 1: The one\n\nChannel 0: all\n\nChannel 1: it's done documents.\n\nChannel 0: yep.\n\nChannel 1: Yep.\n\nChannel 0: Sign documents. And then, like yep.\n\nChannel 1: Open. It's taking some time to open up.\n\nChannel 0: No. That's okay. Take your time.\n\nChannel 1: Yeah. It looks like it's stuck with nothing actually opening.\n\nChannel 0: Okay. What I will do is I might I might send you an email. And\n\nChannel 1: Can you CC myself in as well, Pea City?\n\nChannel 0: Yeah. Of course. Of course. Good morning. As discussed, please see the attached.\n\nChannel 1: Yep.\n\nChannel 0: Oh, we also need a ongoing service agreement signed again as well.\n\nChannel 1: Yep.\n\nChannel 0: There we\n\nChannel 1: Okay.\n\nChannel 0: go. So we'll get that signed up on, but that's okay. There we go. One. Two.\n\nWe'll do three. We will do and extract. Why not? There we go. There we go.\n\nThere we go. Okay. So I'm just just uploading those to an email. So valernda and it's b dot stegman?\n\nChannel 1: Yeah. B e e dot stigman\n\nChannel 0: Correct.\n\nChannel 1: @gmail.com.\n\nChannel 0: Yeah. Gotcha. Perfect. So just sending that through now. Let me know when you've received it.\n\nThey also it's it's in that same email chain correspondence when letting me know about the incident as\n\nChannel 1: Is it?\n\nChannel 0: well. What I'll do is I might actually just try and send you one. Let's do a DocuSign. Bam, bam, bam. Sign.\n\nI'll try and upload another one and send it through so that we can see if I can upload OSA just so we can get this ongoing service agreement signed. Insurance\n\nChannel 1: Got\n\nChannel 0: claims\n\nChannel 1: it.\n\nChannel 0: are pretty full up. Got it. Beautiful. And I\n\nChannel 1: Yep.\n\nChannel 0: like to get paid too.\n\nChannel 1: I'm sure. Yes.\n\nChannel 0: Everybody likes that. Everyone likes that. I've got people. The funny thing is it's not even for me most time, I just pay everybody else, keeping the lights on. But\n\nChannel 1: Yes.\n\nChannel 0: there\n\nChannel 1: So\n\nChannel 0: we\n\nChannel 1: there's\n\nChannel 0: go.\n\nChannel 1: five attachments. Which one should I open?\n\nChannel 0: Let's start with the first one. There we go. Sorry. I'm just sending you through here. Just sending you through that Odoo sign again, so you should be able to receive a second one.\n\nBut, yeah, it's only gonna have that ongoing service agreement to sign off on. So, hopefully, that's because it doesn't have so much data in it, maybe that would be able to load quicker. Not too sure, but at least it's worth\n\nChannel 1: Yeah.\n\nChannel 0: a try. Yep. Now you have you opened up the first attachment?\n\nChannel 1: Yes. That's the\n\nChannel 0: The summary\n\nChannel 1: Summary that's\n\nChannel 0: form.\n\nChannel 1: insurance\n\nChannel 0: Correct.\n\nChannel 1: sum summary.\n\nChannel 0: Perfect. So now this is where you're currently at. So, you know, the hub 24 and the ANZ Super, we retained that for the purposes of insurances. You still got that, you know, 62 picking up. This was done as of the twenty fifth of the eleventh of last year.\n\nWe do definitely need to get an ATP updated. That's according authority to proceed. We just haven't got that signed off on, so we couldn't do the research as of recently. But we can\n\nChannel 1: Yeah.\n\nChannel 0: get that signed off on just to confirm the IP or income protection as well as life and TPD as well. But you can see you've got, you know, your income protection policy has that nineteen day wait. Now what's important to note is we we just need to get the claim sorted out. I'll get that submitted today, but I will just let's get this sooner rather than later. Even though you got a ninety day ninety day waiting period, it's always better to get the claim in.\n\nGet it get it try and get it approved pre ninety days because then, you know, they don't have to backdate anything on it. It's just it's just better that way. So\n\nChannel 1: Okay. Yeah.\n\nChannel 0: if you are unable to work for essentially two years, you'll be paid that slump sum. Keep in mind that that is taxed to 19\n\nChannel 1: Correct.\n\nChannel 0: thousand $771 as an income stream. So it will be added to a taxable income. So you'll be taxed on your marginal rate for that, but it's better than nothing. And, look, realistically, if you are unable to perform your usual duties of work for for more than two years, then you're more than likely not gonna be able to go back to work at all. And if that's the case, your income protection policy will run out, and then we'll apply for a TPD claim.\n\nChannel 1: Okay.\n\nChannel 0: So that's how they kind of work together. But, yeah, IP is definitely something that we wanna look at, but that gives you a breakdown of where everything's at. Does that do you have any question more questions about that income protection? Or\n\nChannel 1: No. I think that's there. I think I mean, my intention is to resume working as as per normal. But it's yeah. So, I mean, we're working towards that with OTs and that kind of stuff, but it is good to know that we have a plan b if needed.\n\nChannel 0: I'm sorry. I'm sorry. I missed that one.\n\nChannel 1: No. So what I'm saying is, you know, we're working pretty hard at the moment with specialists, you know, for\n\nChannel 0: Okay.\n\nChannel 1: Ian to be able to return to work.\n\nChannel 0: What what was the thing is they they actually provide you. So the insurance company is the it's in their best interest not to not to not to pay you for the full two years. So they can more often than not, they actually assist with, you know, specialists and things like that. So you don't have to pay for anything or anything anything along those lines.\n\nChannel 1: That's excellent.\n\nChannel 0: Yeah. Correct. So\n\nChannel 1: Okay.\n\nChannel 0: they they\n\nChannel 1: That's\n\nChannel 0: they\n\nChannel 1: good.\n\nChannel 0: wanna help you. Mhmm.\n\nChannel 1: And, you know, that's, you know, you know, from a personal note, we're working towards return to work. But it is good to know our options, you\n\nChannel 0: Absolutely.\n\nChannel 1: know,\n\nChannel 0: Yep. A\n\nChannel 1: and\n\nChannel 0: 100%.\n\nChannel 1: if things don't go our way.\n\nChannel 0: Yeah. Exactly. So but look. You you are protected. I will have to send out a authority to proceed.\n\nAnd\n\nChannel 1: Yes.\n\nChannel 0: what I will do is if you can get that signed up on, that'll be amazing. I'll get in touch with Maddie straight away. That's first and foremost, and then we can submit this claim. And then on Monday, let's just book it. Are you gonna be available on Monday just for a quick chat?\n\nOr\n\nChannel 1: Yes. Yes.\n\nChannel 0: amazing.\n\nChannel 1: I'm\n\nChannel 0: Amazing.\n\nChannel 1: I'm not working, so I'm I'm hardly available at the moment.\n\nChannel 0: K.\n\nChannel 1: So\n\nChannel 0: No. That's\n\nChannel 1: yeah.\n\nChannel 0: okay. So what about what about 12:00? Does midday sound right? Or Beautiful call, Ian and Belinda Bergman with updates on IP claim. Not a problem.\n\nI put that in my calendar. So that's 12:00. Or can I do 12:00? Let's get this time right. So 12:00, I'll put it in for my time, so that's 10AM your time.\n\nChannel 1: Well. Yes.\n\nChannel 0: Beautiful.\n\nChannel 1: K.\n\nChannel 0: Beautiful. Perfect. Perfect. Alright. There we go.\n\nThere we go. And now so that gives you the summary of everything, gives you a few few options, hopefully, because you have a little bit of peace of mind. If you go on to the next attachment, that's just the performance of your super fund. I know it's it's it's been it's been pretty average this year. The reason for that, it's done 6.57%.\n\nSo you're you're still up, and that's net of these costs and rebates. So you still have a total earnings of $75,360 in the last twelve months, which is not that far that 6.57 percent is not where we wanna be. We wanted a\n\nChannel 1: Yes.\n\nChannel 0: projection of about 10 and a half we worked on a projection of about 10 and a half percent net of fees. So what I did is I took the next if you open up the next attachment, that is a from inception report. And if you look at the from inception report, this is it's performance with internal rate of return, IRR. And if you go to the second page of that second report, that portfolio over the time that you've been invested has essentially achieved a 11.57% rolling average or since you've been on board. So so for three years, essentially.\n\nPretty much bang on. It was the twenty fifth of the ninth when the fund opened. So, yeah, it's it's it's doing better than expected over the long term.\n\nChannel 1: Okay.\n\nChannel 0: Yeah. Does that make sense? Or\n\nChannel 1: Yes. Yeah.\n\nChannel 0: beautiful. We like I said, we don't have the performance reports or anything for ANZ, so I will get that sent out today. So keep your eye on after this call, keep your eye on the keep your eye on the emails. And then if you when you you should receive it about five, ten minutes after this this conversation. And if you can sign that, they'll come back to us.\n\nYou'll get a copy of it, and we'll send it off to AIMT. So we could just update\n\nChannel 1: Okay.\n\nChannel 0: the figures and then just initiate the claims process. Alright? But overall, everything's ticking along exactly. It's doing it's ticking along better than expected. From a from a superannuation performance point of view, should I say, could be better without the without the insurance\n\nChannel 1: Right.\n\nChannel 0: claim. But, hey, at least you're having a conversation to do it. Right? Amazing.\n\nChannel 1: Yes.\n\nChannel 0: Now they have a they have a couple of documents. It's just in a a Vanguard index chart to give you an idea of time versus risk as well as our updated overview services guide. Look, it like I said, if it's not broken, don't fix it. We've we've already allocated assets appropriately with the new portfolio, and everything is doing what it's supposed to be doing. And really I'm really happy with because you you're not in a very high growth environment.\n\nYou're in a you're in a moderate growth environment. So your your assets are actually invested with defensive exposure as well, And you're still achieving eleven eleven and a half percent on average per annum net of fees, cost, and rebates. So I'm I'm really happy with that return considering that portfolio. You know, most industry funds sit around 7% net of fees. So if you're doing 4%, that's amazing.\n\nAnd if you can log in to your Hub twenty four year, you should be able to see a graph that kind of tracks against what we call the benchmark. The benchmark is the top 300 Australian shares. In Australia, domestic shares. And you in your with defensive assets have are are tracking, you've actually achieved a better return, slightly better return than the actual index, which is incredible having defensive assets involved. Does that make sense, or did I just ramble a lot of words?\n\nChannel 1: It does. And, Sydney, there's there's one more more question. Like, something\n\nChannel 0: Yeah.\n\nChannel 1: that's\n\nChannel 0: Got\n\nChannel 1: been for a while. Like, I was thinking back three years when we started talking. One of the things you said in one of our first conversations, I need to have my will sorted out. So\n\nChannel 0: Yes.\n\nChannel 1: I\n\nChannel 0: Yeah.\n\nChannel 1: I had\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: done. So\n\nChannel 0: It's one of those things that you just always put on the background until something happens.\n\nChannel 1: yes. So\n\nChannel 0: Yep.\n\nChannel 1: can you give us, like, what should I be doing to to sort that out?\n\nChannel 0: So if you want a comprehensive will, I can refer you over to a lawyer, a family lawyer. They will they will be able to draw you up a pretty comprehensive estate planning concept. But if if you don't wanna spend this it's a it's a few grand, a few couple thousand dollars, if you want a really comprehensive one. And, obviously, depending on how sophisticated your situation is, if you got companies and all that, obviously, it costs more.\n\nChannel 1: All I wanted is not to create complications and and have a hard time to to sort out\n\nChannel 0: And go online.\n\nChannel 1: estate and\n\nChannel 0: Go\n\nChannel 1: stuff.\n\nChannel 0: online. Just I think it's there's there's there's kinda it's it's probably, I can think, a $100 something. You can fill out some fully legally binding estate planning will and power of attorney online.\n\nChannel 1: Okay.\n\nChannel 0: Yeah. It's a Google thing. Let me show up. One second. I'll just have a look.\n\nOnline. Will. Everyone Australia is number one will platform. Here we go. Yeah.\n\nMake your Australian Will online is Morris Blackburn one, which is pretty good. Fixed price, $160 for individuals, $240 for couples. So\n\nChannel 1: Okay. Okay.\n\nChannel 0: I have a look at that. But if you did want me to make that referral, I can definitely I I would probably refer you over to CJM Law, who is our commercial. They actually did my family law when I went through my separation. I can't speak highly enough about them.\n\nChannel 1: No. I I don't believe ours will be complicated. Don't have\n\nChannel 0: Yeah.\n\nChannel 1: business\n\nChannel 0: If\n\nChannel 1: or\n\nChannel 0: it's not\n\nChannel 1: anything.\n\nChannel 0: if it's not that complex and you got you you just kind of, you know, you don't have any estranged family members, then more than that, I think a a online will through, say, Morris Blackburn or someone like that would would be sufficient.\n\nChannel 1: Okay. Okay. I think we'll check that out, but it's it's\n\nChannel 0: Have a\n\nChannel 1: one\n\nChannel 0: look.\n\nChannel 1: of\n\nChannel 0: Absolutely.\n\nChannel 1: the things that's bugging me that I haven't done. So\n\nChannel 0: Yeah. It bugs everybody. It even bugs me. I've talked to Nate. Mine have been needs to update it since separation four years ago.\n\nSo it's one of those it's always one of those things. But, yeah, look, that everything's tracking along how it's supposed to be. Like like you've seen, we've we've moved assets appropriately just to kind of accommodate and cushion we call it cushioning for the market environment. But, yeah, 11 and a half percent net of fees is is an incredible return for your kind of portfolio. More importantly, have you received the do you have any questions?\n\nAre you happy with everything? I really wanna get this income protection claim on\n\nChannel 1: We do have other\n\nChannel 0: the\n\nChannel 1: questions. Did you wanna\n\nChannel 0: way.\n\nChannel 1: go first?\n\nChannel 0: Yeah. Yeah. Absolutely. It should.\n\nChannel 1: Well, I I was thinking quite a lot about retirement in in the last short while. And, obviously, since the strike, it's like, what if I can't work? What what if that happens? Like, what what does it actually take to to retire and,\n\nChannel 0: Yeah.\n\nChannel 1: you know,\n\nChannel 0: Understood.\n\nChannel 1: how how\n\nChannel 0: What\n\nChannel 1: would\n\nChannel 0: is\n\nChannel 1: I\n\nChannel 0: it?\n\nChannel 1: even\n\nChannel 0: What\n\nChannel 1: start\n\nChannel 0: is\n\nChannel 1: working\n\nChannel 0: it\n\nChannel 1: through\n\nChannel 0: like?\n\nChannel 1: that? Like,\n\nChannel 0: Mhmm.\n\nChannel 1: you know,\n\nChannel 0: Alright. Well, how old are\n\nChannel 1: I've\n\nChannel 0: you\n\nChannel 1: I've\n\nChannel 0: at\n\nChannel 1: been\n\nChannel 0: the moment?\n\nChannel 1: based for successful. I've worked for\n\nChannel 0: Okay.\n\nChannel 1: over thirty years now. So, you know,\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: I think\n\nChannel 0: Fifty\n\nChannel 1: that\n\nChannel 0: four.\n\nChannel 1: a typical career should be about thirty years. And, yeah, then what\n\nChannel 0: Well, you've you've got the fruits of the labor showing through your super funds. Now it's a matter of just identifying your I think we should just get on this income protection claim as soon as possible because then you've got two years to kind of for us to plan. We can get you get your you know, since you have that pushed out, we can work on strategies to be able to facilitate the right income you need to be able to get\n\nChannel 1: Yes.\n\nChannel 0: to age 60. And when you get to age 60, you can start drawing down from your superannuation. Keep in mind, if you get a TPD claim, that's another $900. So after when it comes to two years of being on that income protection claim, then I'd wanna go down the track of saying, look. He's not gonna go back to work, and then they'll give you $900 to push you out until the age of 60, if not further.\n\nAnd then you can start drawing down from super, and we can start looking at those drawdown and account based pension strategies as well. So there we\n\nChannel 1: Right.\n\nChannel 0: we're essentially it's gonna be kind of like a hybrid approach to where we can utilize the insurance policies, pre retirement. And then when you get the payment from the insurance policies, you can then essentially be retired in itself.\n\nChannel 1: Okay.\n\nChannel 0: Does that does that make sense? Or\n\nChannel 1: Yep. Yes.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: So we just we just need to get this claim underway. That's it. First and foremost.\n\nChannel 1: Right. Okay. The other query that I have for you is we've received some funds from Ian's dad in South Africa\n\nChannel 0: Yep.\n\nChannel 1: to invest in it. It's not massive. It's probably about $10 British pounds, And we need to kind of put it somewhere\n\nChannel 0: Yes. Yep.\n\nChannel 1: and some have invested on this side, but we're a little bit unsure as to where to even start as to what would be a good spot that we'll need to able to access it should his health, you know, in\n\nChannel 0: Yep.\n\nChannel 1: his dad is close to 90. So should his health deteriorate, we might need to access it.\n\nChannel 0: Okay.\n\nChannel 1: But, you know, it's kind of sensitive to us in the interim to kind of\n\nChannel 0: Yep.\n\nChannel 1: look\n\nChannel 0: Yep. Absolutely. Okay. So with the\n\nChannel 1: after.\n\nChannel 0: sterling, sterling goes I think it's, like, $1.81.0.9, something like that. No money.\n\nChannel 1: Yep.\n\nChannel 0: So you're you're looking at about $1,819,000 dollars there.\n\nChannel 1: Yep.\n\nChannel 0: So we can definitely if you is it in Australian dollars at the moment, or is it still still in power?\n\nChannel 1: So, no, it is still in Sterling Point. So what he's done is I have a international travel account.\n\nChannel 0: Yep.\n\nChannel 1: So\n\nChannel 0: Yep.\n\nChannel 1: they've sent it to me in GBP. So it's sitting in my Wise account. So, obviously, it's not doing anything for us as yet. So I would then just need to move it to whichever account it needs to be in when the time is ready.\n\nChannel 0: Yep. No. That's okay. We just need to get converts to AUD, and then what we can do is we can actually we can we can set up an investment portfolio for you. We can create a within Hub 24, we can link it to Ian's account or your account, which is gonna be the most tax effective.\n\nChannel 1: Yeah.\n\nChannel 0: Are you working at the moment, Linda or?\n\nChannel 1: Yes. I am working full time at the moment.\n\nChannel 0: Gotcha. Who makes the best the highest income? Yeah. For sure. Well, with current events, it's you gotta ask the question.\n\nOkay. What we'd probably do is we would create a IDPS and we'll link it to a family IDPS, to Family Hub 24 maybe, if that is appropriate product for you. And then what we can do is essentially yeah. We can we can just create investment portfolio, get that money working harder for you. If you need it, we could just sell it down.\n\nOh, I agree. We can just sell it down. If you wanted money a little bit more liquid, we can just do we can just do ETFs, exchange traded funds. It's just yeah. And it can just sit there and tick along.\n\nSo we can create that portfolio for you.\n\nChannel 1: Okay.\n\nChannel 0: Did\n\nChannel 1: Alright.\n\nChannel 0: you would\n\nChannel 1: We'll\n\nChannel 0: you\n\nChannel 1: do\n\nChannel 0: like me\n\nChannel 1: that.\n\nChannel 0: let yeah. Let's have let's have a catch up on Monday. We'll go through complete this income protection claim.\n\nChannel 1: Yeah.\n\nChannel 0: We will then talk about the movement of, pardon me, of your foreign exchange securities, and then we'll create that investment portfolio. We'll link it to here in sub 24 account. Oh, no. We won't. Sorry.\n\nIt'll be oh, we could probably link it to your account. And then I'll just have a look at what that looks like, whatever's gonna be the lowest in fees so that\n\nChannel 1: Yeah.\n\nChannel 0: doesn't need to weigh too much. And, yeah, then we can just get that invested. We'll write up a statement of advice and make that happen for you.\n\nChannel 1: Sounds good. Alright.\n\nChannel 0: Amazing.\n\nChannel 1: Yeah. We have to discuss it about that one on Monday.\n\nChannel 0: Yep. We can we can one step at a time. Let's do this nice and slow. Let's do the most important thing first, which is gonna\n\nChannel 1: For\n\nChannel 0: be that\n\nChannel 1: sure.\n\nChannel 0: IP claim. Yeah.\n\nChannel 1: For sure. No. I'm happy with that. Thanks, Debbie.\n\nChannel 0: No. That's alright. We got a bit of a game plan. Are you happy with that? Are you happy with that, Ian?\n\nChannel 1: Yes. Yeah. For sure.\n\nChannel 0: Amazing. Cool. I've sent you through that ongoing service agreement again. Just just to your email, sir. It's just the hub twenty four o s a.\n\nDo you mind jumping into your emails and just having a look at that and seeing if there is\n\nChannel 1: Sure.\n\nChannel 0: the\n\nChannel 1: Kindly not.\n\nChannel 0: if that if you've got that receipt there? There's still there's nothing's changing from what it was before, the same that same percentage base fee. So, obviously, the more money you make, the more money we make. Yay. And\n\nChannel 1: Yeah.\n\nChannel 0: everybody's happy, and you've got a pretty high balance of numbers We everyone's happy.\n\nChannel 1: This doesn't seem to be opening for us, really. It it must be because they're on the iPad and not on a computer.\n\nChannel 0: No. It shouldn't make a difference.\n\nChannel 1: There was no dramas last time, like, when when we\n\nChannel 0: Yeah.\n\nChannel 1: did\n\nChannel 0: I'm\n\nChannel 1: the\n\nChannel 0: not too\n\nChannel 1: last time.\n\nChannel 0: I'm not too sure why it's doing that. Let's just see if I've got a hub 24. Hey. Sorry. A DocuSign account.\n\nOkay. There you go. Next. Next. I'm just trying to see it.\n\nYeah. And maybe just give it a refresh. Did it come through to your did it come through to your personal email\n\nChannel 1: Yes.\n\nChannel 0: or weird. Yeah. I'm not I'm not too sure what's going on there. What do you is there any way that you'd be able to sign it digitally with a Adobe PDF? Or\n\nChannel 1: Yes. Yeah. We\n\nChannel 0: yeah.\n\nChannel 1: can send\n\nChannel 0: Beautiful.\n\nChannel 1: that out.\n\nChannel 0: Beautiful. What I'll\n\nChannel 1: We\n\nChannel 0: do is\n\nChannel 1: can\n\nChannel 0: I'll just\n\nChannel 1: yeah.\n\nChannel 0: e I\n\nChannel 1: If\n\nChannel 0: will\n\nChannel 1: you just\n\nChannel 0: email\n\nChannel 1: email\n\nChannel 0: it\n\nChannel 1: us,\n\nChannel 0: through.\n\nChannel 1: it'll make a plan.\n\nChannel 0: Yeah. Correct. Correct. There we go. There we go.\n\nHi, Ian. Please see attached for your for your sign in and return. So I'm just gonna make these emails. Not not not too professional, nice and short and sweet because we all know what what's going on. Beautiful.\n\nThere we go. Alright. And I'm gonna cc my colleagues in, so Madison as well as Caden. And if you can just respond to that, preferably reply to all, that would be great. But if not, it's alright.\n\nI'll I'll receive it and I'll save it up and send it off. I've just sent that through to you. But outside of that, yep, let me just finish up this call. If you can if I can get that signed and sent back for the ongoing service agreements to get paid for the work, that'll be great. And what I'll do is I'll get in touch with the I'll send off that.\n\nYou should receive an email. I'll send it through via email as well just to get this ongoing service agreement signed up when you receive it from Maddie. Okay? And once you get that back, we can we can essentially get in touch with them and start working with them to get this claims process underway and get back in touch on Monday.\n\nChannel 1: I'm good. Excellent.\n\nChannel 0: Beautiful. Awesome, guys. Well, I'm really sorry to hear about the the bad news, but the good part is that you are covered. So let's let's let's just make sure that, you know, all those premiums. Insurances, they're those things you pay all this money for, and the best outcome is nothing happens.\n\nBut if something happens, you wanna make sure that\n\nChannel 1: Yes.\n\nChannel 0: you're covered. You wanna make\n\nChannel 1: Oh,\n\nChannel 0: sure\n\nChannel 1: for\n\nChannel 0: that you're\n\nChannel 1: sure.\n\nChannel 0: covered for enough and you are\n\nChannel 1: I\n\nChannel 0: covered.\n\nChannel 1: am still looking forward to a complete recovery, though. Oh, for sure.\n\nChannel 0: Absolutely. Well, the the best thing about these income protection claims in Australia, especially, is they're really good. Like, income protection is a really, really good product. So So much so that they actually do change on the 10/05/2021. Actually, it changed all the all the laws and all the all the definitions and everything around them because they they were too good.\n\nThe companies are losing too much money. So\n\nChannel 1: Okay.\n\nChannel 0: that and that yeah. And that policy has been around for a while, so I'd like to know if it's grandfathered or anything. I just wanna dig a little bit deeper into the policy itself because you might have a lot of extra benefits in there. But the whole purpose of that is part of those extra benefits is you can actually you can they they they essentially you you can in the within the it's hard to say. Within the definitions, you can get benefits included, like add ons, which includes, you know, professional assistance, you know, osteopaths.\n\nYou can get all sorts of neurological professionals. You can you can get a lot of extras with that policy, but I just don't know what they are just yet. So that's why we need\n\nChannel 1: No.\n\nChannel 0: to\n\nChannel 1: That\n\nChannel 0: kinda\n\nChannel 1: sounds good. Oh,\n\nChannel 0: yeah.\n\nChannel 1: brilliant. Alright. That's\n\nChannel 0: Yeah.\n\nChannel 1: Those\n\nChannel 0: So\n\nChannel 1: those are strictly the types of resources that we're looking at\n\nChannel 0: you exactly. Exactly.\n\nChannel 1: at new.\n\nChannel 0: And they\n\nChannel 1: Okay?\n\nChannel 0: do this all the time. So they can they can help you and guide you in the right direction as well.\n\nChannel 1: Yes. Oh, excellent. No. That's good\n\nChannel 0: Yes.\n\nChannel 1: news.\n\nChannel 0: So they'll hold your hand. Amazing. Alright. Well, let me get to work. Thank you for your time.\n\nAlways a pleasure, never a chore, and I will speak to you on Monday.\n\nChannel 1: Thanks, Debbie. Yeah.\n\nChannel 0: Awesome. Thanks for your time, guys. See you. Bye.\n\nChannel 1: Bye bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":1.68,"end":2.1799998,"sentiment":"neutral","sentiment_score":-0.024927012622356415}],"sentiment":"neutral","sentiment_score":-0.024927012622356415,"channel":1,"num_words":1,"start":1.68,"end":2.1799998},{"sentences":[{"text":"Hey.","start":2.72,"end":3.04,"sentiment":"neutral","sentiment_score":-0.04984845966100693},{"text":"I'm not too sure what happened there.","start":3.04,"end":4.64,"sentiment":"neutral","sentiment_score":-0.2468220442533493},{"text":"You cut 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let's just yeah.","start":24.435,"end":25.314999,"sentiment":"neutral","sentiment_score":-0.0036288609262555838},{"text":"No.","start":25.314999,"end":25.474998,"sentiment":"neutral","sentiment_score":-0.11334647238254549},{"text":"That's okay.","start":25.474998,"end":26.215,"sentiment":"neutral","sentiment_score":-0.015521494671702385},{"text":"What I'll do is I'll send you through a a a couple documents just to give you an idea of what the breakdown is regarding your regarding your insurances, but also the performance in the defensive portfolio within your Up twenty four 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go.","start":56.420002,"end":61.86,"sentiment":"neutral","sentiment_score":0.07691222280263901},{"text":"You know?","start":61.86,"end":62.440002,"sentiment":"neutral","sentiment_score":0.03753914125263691},{"text":"We definitely","start":62.66,"end":63.62,"sentiment":"neutral","sentiment_score":0.12727875262498856}],"sentiment":"neutral","sentiment_score":0.08062125618259113,"channel":0,"num_words":21,"start":55.464996,"end":63.62},{"sentences":[{"text":"Yeah.","start":63.59,"end":64.09,"sentiment":"neutral","sentiment_score":0.1291618049144745}],"sentiment":"neutral","sentiment_score":0.1291618049144745,"channel":1,"num_words":1,"start":63.59,"end":64.09},{"sentences":[{"text":"take action when the market is favorable, and that's at the moment.","start":63.62,"end":68.42,"sentiment":"neutral","sentiment_score":0.1737771164625883},{"text":"And if you look at your Hub twenty four portfolio, you can see since inception, I believe it was January September 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documents.","start":93.399994,"end":101.104996,"sentiment":"positive","sentiment_score":0.38363916462376},{"text":"So one second.","start":101.405,"end":103.104996,"sentiment":"neutral","sentiment_score":0.06208988527456919}],"sentiment":"positive","sentiment_score":0.4037309866398573,"channel":0,"num_words":32,"start":89.479996,"end":103.104996},{"sentences":[{"text":"Account reports.","start":103.645,"end":104.445,"sentiment":"neutral","sentiment_score":0.09816449508070946},{"text":"There we go.","start":104.445,"end":105.165,"sentiment":"neutral","sentiment_score":0.06763825565576553},{"text":"But other than that, I've got everything else sorted out.","start":105.165,"end":108.045,"sentiment":"neutral","sentiment_score":0.03171575851738453},{"text":"So did this did this stroke happen towards the end or in the beginning of the holiday?","start":108.045,"end":112.225,"sentiment":"neutral","sentiment_score":-0.07332079046789337}],"sentiment":"neutral","sentiment_score":-0.01656412798911333,"channel":0,"num_words":32,"start":103.645,"end":112.225},{"sentences":[{"text":"Towards the the end of when we were gonna be like, what what was planned to be on holiday because I've I've not been back to work yet, and that's probably two","start":113.39,"end":127.604996,"sentiment":"neutral","sentiment_score":-0.1697347485460341}],"sentiment":"neutral","sentiment_score":-0.1697347485460341,"channel":1,"num_words":32,"start":113.39,"end":127.604996},{"sentences":[{"text":"Yeah.","start":127.5,"end":127.815,"sentiment":"neutral","sentiment_score":-0.06270992755889893}],"sentiment":"neutral","sentiment_score":-0.06270992755889893,"channel":0,"num_words":1,"start":127.5,"end":127.815},{"sentences":[{"text":"months.","start":127.604996,"end":128.105,"sentiment":"neutral","sentiment_score":-0.07743850350379944},{"text":"Yeah.","start":128.485,"end":128.805,"sentiment":"neutral","sentiment_score":-0.1044394075870514},{"text":"We we couldn't get to fly initially.","start":128.805,"end":131.145,"sentiment":"negative","sentiment_score":-0.3562564807278769},{"text":"We needed to stay in South Africa for another four weeks after the stroke before Ian was cleared","start":131.205,"end":136.965,"sentiment":"neutral","sentiment_score":-0.19446678211291632}],"sentiment":"neutral","sentiment_score":-0.2287435316377216,"channel":1,"num_words":27,"start":127.604996,"end":136.965},{"sentences":[{"text":"Okay.","start":136.935,"end":137.175,"sentiment":"neutral","sentiment_score":-0.03257874771952629}],"sentiment":"neutral","sentiment_score":-0.03257874771952629,"channel":0,"num_words":1,"start":136.935,"end":137.175},{"sentences":[{"text":"to 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seventh","start":155.255,"end":156.775,"sentiment":"neutral","sentiment_score":0.011586657414833704}],"sentiment":"neutral","sentiment_score":0.011586657414833704,"channel":1,"num_words":3,"start":155.255,"end":156.775},{"sentences":[{"text":"I","start":156.605,"end":156.845,"sentiment":"neutral","sentiment_score":0.014639299362897871}],"sentiment":"neutral","sentiment_score":0.014639299362897871,"channel":0,"num_words":1,"start":156.605,"end":156.845},{"sentences":[{"text":"of","start":156.775,"end":157.015,"sentiment":"neutral","sentiment_score":0.015391796827316284}],"sentiment":"neutral","sentiment_score":0.015391796827316284,"channel":1,"num_words":1,"start":156.775,"end":157.015},{"sentences":[{"text":"reckon","start":156.845,"end":157.085,"sentiment":"neutral","sentiment_score":0.006756871938705444}],"sentiment":"neutral","sentiment_score":0.006756871938705444,"channel":0,"num_words":1,"start":156.845,"end":157.085},{"sentences":[{"text":"July.","start":157.015,"end":157.515,"sentiment":"neutral","sentiment_score":0.05030342191457749}],"sentiment":"neutral","sentiment_score":0.05030342191457749,"channel":1,"num_words":1,"start":157.015,"end":157.515},{"sentences":[{"text":"we should make a claim as soon as possible.","start":157.085,"end":159.825,"sentiment":"neutral","sentiment_score":0.1389818009403017},{"text":"Because if you're not looking at going because after ninety days, you'll get paid in arrears for the next for the next month, for the next thirty days.","start":160.205,"end":167.64,"sentiment":"neutral","sentiment_score":-0.17705792401518142},{"text":"So pretty much as of next month, you or the date of incidents, ninety days after, from that moment on, you'll be paid $19,771.75 every 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12:00?","start":878.105,"end":879.88495,"sentiment":"neutral","sentiment_score":0.010092054307460786},{"text":"Let's get this time right.","start":881.67,"end":882.95,"sentiment":"neutral","sentiment_score":0.028308101743459702},{"text":"So 12:00, I'll put it in for my time, so that's 10AM your 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a","start":927.735,"end":928.375,"sentiment":"neutral","sentiment_score":-0.006929093040525913}],"sentiment":"neutral","sentiment_score":-0.05823637805455788,"channel":0,"num_words":44,"start":913.83,"end":928.375},{"sentences":[{"text":"Yes.","start":928.23004,"end":928.73004,"sentiment":"neutral","sentiment_score":0.03170394152402878}],"sentiment":"neutral","sentiment_score":0.03170394152402878,"channel":1,"num_words":1,"start":928.23004,"end":928.73004},{"sentences":[{"text":"projection of about 10 and a half we worked on a projection of about 10 and a half percent net of fees.","start":928.375,"end":933.59503,"sentiment":"neutral","sentiment_score":0.01903651070527055},{"text":"So what I did is I took the next if you open up the next attachment, that is a from inception report.","start":933.735,"end":941.73,"sentiment":"neutral","sentiment_score":0.03853452815250917},{"text":"And if you look at the from inception report, this is it's performance with internal rate of return, 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today.","start":979.615,"end":985.375,"sentiment":"neutral","sentiment_score":0.054618859282610094},{"text":"So keep your eye on after this call, keep your eye on the keep your eye on the emails.","start":985.375,"end":990.755,"sentiment":"neutral","sentiment_score":0.09236459277178112},{"text":"And then if you when you you should receive it about five, ten minutes after this this conversation.","start":990.815,"end":996.12,"sentiment":"neutral","sentiment_score":0.08357354460491075},{"text":"And if you can sign that, they'll come back to us.","start":996.42,"end":998.42,"sentiment":"neutral","sentiment_score":0.08016950857232917}],"sentiment":"neutral","sentiment_score":0.08001260077711982,"channel":0,"num_words":71,"start":978.01,"end":998.42},{"sentences":[{"text":"You'll get a copy of it, and we'll send it off to AIMT.","start":998.42,"end":1000.42,"sentiment":"neutral","sentiment_score":0.06072757536402115},{"text":"So we could just 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while.","start":1110.435,"end":1111.795,"sentiment":"neutral","sentiment_score":-0.033727511297911406},{"text":"Like, I was thinking back three years when we started talking.","start":1111.795,"end":1114.89,"sentiment":"neutral","sentiment_score":-0.0012093855237418954},{"text":"One of the things you said in one of our first conversations, I need to have my will sorted 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the background until something happens.","start":1125.015,"end":1128.63,"sentiment":"neutral","sentiment_score":0.103331767488271}],"sentiment":"neutral","sentiment_score":0.103331767488271,"channel":0,"num_words":16,"start":1125.015,"end":1128.63},{"sentences":[{"text":"yes.","start":1129.205,"end":1129.705,"sentiment":"neutral","sentiment_score":0.11468848586082458},{"text":"So","start":1130.005,"end":1130.505,"sentiment":"neutral","sentiment_score":0.10201419144868852}],"sentiment":"neutral","sentiment_score":0.10835133865475655,"channel":1,"num_words":2,"start":1129.205,"end":1130.505},{"sentences":[{"text":"Yep.","start":1130.47,"end":1130.97,"sentiment":"neutral","sentiment_score":0.1498313844203949}],"sentiment":"neutral","sentiment_score":0.1498313844203949,"channel":0,"num_words":1,"start":1130.47,"end":1130.97},{"sentences":[{"text":"can you give us, like, what should I be doing to to sort that out?","start":1130.725,"end":1135.305,"sentiment":"neutral","sentiment_score":0.09925692876180013}],"sentiment":"neutral","sentiment_score":0.09925692876180013,"channel":1,"num_words":15,"start":1130.725,"end":1135.305},{"sentences":[{"text":"So if you want a comprehensive will, I can refer you over to a lawyer, a family lawyer.","start":1135.51,"end":1141.11,"sentiment":"neutral","sentiment_score":0.1231854831178983},{"text":"They will they will be able to draw you up a pretty comprehensive estate planning concept.","start":1141.11,"end":1146.595,"sentiment":"neutral","sentiment_score":0.24392298609018326},{"text":"But if if you don't wanna spend this it's a it's a few grand, a few couple thousand dollars, if you want a really comprehensive one.","start":1146.895,"end":1153.775,"sentiment":"neutral","sentiment_score":0.013990773819386959},{"text":"And, obviously, depending on how sophisticated your situation is, if you got companies and all that, obviously, it costs more.","start":1153.775,"end":1160.57,"sentiment":"neutral","sentiment_score":-0.0730685705319047}],"sentiment":"neutral","sentiment_score":0.06278118977788835,"channel":0,"num_words":80,"start":1135.51,"end":1160.57},{"sentences":[{"text":"All I wanted is not to create complications and and have a hard time to to sort out","start":1160.705,"end":1166.885,"sentiment":"neutral","sentiment_score":-0.05733942944142553}],"sentiment":"neutral","sentiment_score":-0.05733942944142553,"channel":1,"num_words":18,"start":1160.705,"end":1166.885},{"sentences":[{"text":"And go online.","start":1167.11,"end":1168.25,"sentiment":"neutral","sentiment_score":0.0425662025809288}],"sentiment":"neutral","sentiment_score":0.0425662025809288,"channel":0,"num_words":3,"start":1167.11,"end":1168.25},{"sentences":[{"text":"estate 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something.","start":1169.11,"end":1174.5751,"sentiment":"neutral","sentiment_score":0.08238229528069496},{"text":"You can fill out some fully legally binding estate planning will and power of attorney online.","start":1174.635,"end":1180.495,"sentiment":"neutral","sentiment_score":0.15384789695963264}],"sentiment":"neutral","sentiment_score":0.11575116030871868,"channel":0,"num_words":34,"start":1168.63,"end":1180.495},{"sentences":[{"text":"Okay.","start":1181.23,"end":1181.73,"sentiment":"neutral","sentiment_score":0.08047638833522797}],"sentiment":"neutral","sentiment_score":0.08047638833522797,"channel":1,"num_words":1,"start":1181.23,"end":1181.73},{"sentences":[{"text":"Yeah.","start":1182.3151,"end":1182.635,"sentiment":"neutral","sentiment_score":0.07818442583084106},{"text":"It's a Google thing.","start":1182.635,"end":1184.335,"sentiment":"neutral","sentiment_score":0.07734100427478552},{"text":"Let me show 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that income protection claim, then I'd wanna go down the track of saying, look.","start":1363.5901,"end":1370.9651,"sentiment":"neutral","sentiment_score":0.12295231819152833},{"text":"He's not gonna go back to work, and then they'll give you $900 to push you out until the age of 60, if not further.","start":1370.9651,"end":1378.005,"sentiment":"neutral","sentiment_score":0.042872315421700474}],"sentiment":"neutral","sentiment_score":0.07455499061616137,"channel":0,"num_words":80,"start":1355.91,"end":1378.005},{"sentences":[{"text":"And then you can start drawing down from super, and we can start looking at those drawdown and account based pension strategies as well.","start":1378.005,"end":1384.96,"sentiment":"neutral","sentiment_score":0.17295025630543628},{"text":"So there 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They also mention the possibility of a total permanent disability claim if the customer is unable to perform work due to injury or illness. The agent provides instructions on how to access and sign necessary documents, including a 90-day wait for income protection claims and a return to work agreement. They also discuss retirement strategies and the importance of identifying an income protection claim and working on strategies to help clients retire early. The agent emphasizes the benefits of the insurance policy and offers to provide more information on the policy."},"intents":{"segments":[{"text":"So that income protection claim, you've got a ninety day waiting waiting period. So that's that's three months.","start_word":392,"end_word":409,"intents":[{"intent":"Update on claim status","confidence_score":0.01810465}]},{"text":"we should make a claim as soon as possible.","start_word":435,"end_word":443,"intents":[{"intent":"Submit claim","confidence_score":0.46689168}]},{"text":"Just submit that insurance up insurance claim process, get that get that going.","start_word":603,"end_word":615,"intents":[{"intent":"Review insurance claim process","confidence_score":0.00093065255}]},{"text":"You've also got total permanent disability. So for whatever reason, if you are unable to perform your usual duties of work due to injury or illness moving forward, you will we could we could more than likely be able to claim on a total permanent disability claim, which is $901,591 at the moment. So that's that's that's a good option as well depending on the severity. Yeah.","start_word":763,"end_word":829,"intents":[{"intent":"Discuss disability claims","confidence_score":0.00058448757}]},{"text":"So so you do have options and which is good. So, yeah, it's definitely definitely something to consider, especially on grabbing care plus insurance. It's it's always one of those things you you don't expect to happen. But when it does, you wanna make sure you protect it, then you are, which is good. Yes.","start_word":833,"end_word":887,"intents":[{"intent":"Provide care information","confidence_score":0.000030849955},{"intent":"Discuss insurance options","confidence_score":0.09689883}]},{"text":"I just wanna show you an inception report because this year has been a little bit how do I say?","start_word":920,"end_word":939,"intents":[{"intent":"Show inception report","confidence_score":0.034796037}]},{"text":"Do you have your email I'm not stickers?","start_word":981,"end_word":988,"intents":[{"intent":"Represent personal information","confidence_score":0.00012147009}]},{"text":"Just on your email from the Gmail. So stegas71@gmail Sure. Open it. dot com. Patty and let's see. Beautiful. Alright. It's somewhere out there in the ether webs, so let me know when you let me know when you have received it. It's come through.","start_word":1006,"end_word":1050,"intents":[{"intent":"Update email updates","confidence_score":0.000014734668}]},{"text":"So just sending that through now. Let me know when you've received it. They also it's it's in that same email chain correspondence when letting me know about the incident as Is it? well.","start_word":1348,"end_word":1381,"intents":[{"intent":"Send documents","confidence_score":0.10868408}]},{"text":"like to get paid too. I'm sure. Yes.","start_word":1447,"end_word":1454,"intents":[{"intent":"Get paid","confidence_score":0.008333998}]},{"text":"Which one should I open?","start_word":1493,"end_word":1497,"intents":[{"intent":"Open attachments","confidence_score":0.09902021}]},{"text":"Just sending you through that Odoo sign again, so you should be able to receive a second one. But, yeah, it's only gonna have that ongoing service agreement to sign off on. So, hopefully, that's because it doesn't have so much data in it, maybe that would be able to load quicker.","start_word":1514,"end_word":1565,"intents":[{"intent":"Receive osa sign","confidence_score":0.0017091848}]},{"text":"So, hopefully, that's because it doesn't have so much data in it, maybe that would be able to load quicker.","start_word":1546,"end_word":1565,"intents":[{"intent":"Load data","confidence_score":0.068993054},{"intent":"Maintain data","confidence_score":0.0009846527}]},{"text":"get that signed off on just to confirm the IP or income protection as well as life and TPD as well.","start_word":1684,"end_word":1704,"intents":[{"intent":"Confirm ip/income protection","confidence_score":0.016858906},{"intent":"Obtain ip or income protection policy","confidence_score":0.0013226068}]},{"text":"Even though you got a ninety day ninety day waiting period, it's always better to get the claim in. Get it get it try and get it approved pre ninety days because then, you know, they don't have to backdate anything on it. It's just it's just better that way. So Okay.","start_word":1754,"end_word":1805,"intents":[{"intent":"Approve claim","confidence_score":0.13233206}]},{"text":"if you are unable to work for essentially two years, you'll be paid that slump sum. Keep in mind that that is taxed to 19 Correct.","start_word":1807,"end_word":1832,"intents":[{"intent":"Discuss tax and income stream","confidence_score":0.0004936317}]},{"text":"But, yeah, IP is definitely something that we wanna look at, but that gives you a breakdown of where everything's at.","start_word":1928,"end_word":1948,"intents":[{"intent":"Explain ip breakdown","confidence_score":0.025995849}]},{"text":"I will have to send out a authority to proceed. And Yes.","start_word":2180,"end_word":2191,"intents":[{"intent":"Request authorization","confidence_score":0.0018676491}]},{"text":"That's first and foremost, and then we can submit this claim.","start_word":2216,"end_word":2226,"intents":[{"intent":"Submit claim","confidence_score":0.79579926}]},{"text":"So what about what about 12:00? Does midday sound right? Or Beautiful call, Ian and Belinda Bergman with updates on IP claim. Not a problem. I put that in my calendar. So that's 12:00. Or can I do 12:00? Let's get this time right.","start_word":2270,"end_word":2313,"intents":[{"intent":"Schedule call","confidence_score":0.12938173}]},{"text":"And now so that gives you the summary of everything, gives you a few few options, hopefully, because you have a little bit of peace of mind.","start_word":2342,"end_word":2368,"intents":[{"intent":"Clarify information","confidence_score":0.00015089934}]},{"text":"the figures and then just initiate the claims process. Alright?","start_word":2680,"end_word":2689,"intents":[{"intent":"Update figures","confidence_score":0.554235},{"intent":"Initiate claims process","confidence_score":0.5095743}]},{"text":"From a from a superannuation performance point of view, should I say, could be better without the without the insurance Right. claim.","start_word":2704,"end_word":2725,"intents":[{"intent":"Discuss insurance situation","confidence_score":0.0051684813}]},{"text":"We've we've already allocated assets appropriately with the new portfolio, and everything is doing what it's supposed to be doing.","start_word":2787,"end_word":2806,"intents":[{"intent":"Acknowledge asset allocation","confidence_score":0.03822629}]},{"text":"And really I'm really happy with because you you're not in a very high growth environment. You're in a you're in a moderate growth environment. So your your assets are actually invested with defensive exposure as well, And you're still achieving eleven eleven and a half percent on average per annum net of fees, cost, and rebates. So I'm I'm really happy with that return considering that portfolio.","start_word":2807,"end_word":2874,"intents":[{"intent":"Show satisfaction with return","confidence_score":0.006611393}]},{"text":"And if you can log in to your Hub twenty four year, you should be able to see a graph that kind of tracks against what we call the benchmark.","start_word":2893,"end_word":2922,"intents":[{"intent":"Log in to hub","confidence_score":0.77096224}]},{"text":"The benchmark is the top 300 Australian shares. In Australia, domestic shares.","start_word":2923,"end_word":2934,"intents":[{"intent":"Discuss benchmark options","confidence_score":0.0000049851324}]},{"text":"And, obviously, depending on how sophisticated your situation is, if you got companies and all that, obviously, it costs more. All I wanted is not to create complications and and have a hard time to to sort out And go online.","start_word":3133,"end_word":3173,"intents":[{"intent":"Discuss the potential appeal of a particular company","confidence_score":0.000008305682}]},{"text":"estate and Go stuff. online. Just I think it's there's there's there's kinda it's it's probably, I can think, a $100 something. You can fill out some fully legally binding estate planning will and power of attorney online. Okay. Yeah.","start_word":3174,"end_word":3213,"intents":[{"intent":"Discuss the importance of online estate planning","confidence_score":0.008088905}]},{"text":"It's a Google thing. Let me show up. One second. I'll just have a look. Online. Will. Everyone Australia is number one will platform. Here we go. Yeah. Make your Australian Will online is Morris Blackburn one, which is pretty good. Fixed price, $160 for individuals, $240 for couples. So Okay.","start_word":3214,"end_word":3264,"intents":[{"intent":"Discuss the ability to search for a specific website","confidence_score":9.0213295e-9}]},{"text":"I have a look at that. But if you did want me to make that referral, I can definitely I I would probably refer you over to CJM Law, who is our commercial. They actually did my family law when I went through my separation. I can't speak highly enough about them.","start_word":3266,"end_word":3317,"intents":[{"intent":"Identify as a potential target","confidence_score":0.0000032162231},{"intent":"Discuss the potential referral to cjm law","confidence_score":0.015123978}]},{"text":"I I don't believe ours will be complicated. Don't have Yeah.","start_word":3319,"end_word":3329,"intents":[{"intent":"Discuss the complexity of a family law case","confidence_score":0.0011431256}]},{"text":"Mine have been needs to update it since separation four years ago.","start_word":3419,"end_word":3430,"intents":[{"intent":"Update portfolio","confidence_score":0.5834211}]},{"text":"More importantly, have you received the do you have any questions? Are you happy with everything?","start_word":3498,"end_word":3513,"intents":[{"intent":"Receive inquiry","confidence_score":0.0019414631}]},{"text":"The other query that I have for you is we've received some funds from Ian's dad in South Africa Yep. to invest in it. It's not massive. It's probably about $10 British pounds, And we need to kind of put it somewhere Yes.","start_word":3916,"end_word":3958,"intents":[{"intent":"Address income concerns","confidence_score":0.024296878}]},{"text":"they've sent it to me in GBP. So it's sitting in my Wise account. So, obviously, it's not doing anything for us as yet. So I would then just need to move it to whichever account it needs to be in when the time is ready.","start_word":4111,"end_word":4156,"intents":[{"intent":"Convert gbp","confidence_score":0.018723447}]},{"text":"they've sent it to me in GBP. So it's sitting in my Wise account. So, obviously, it's not doing anything for us as yet. So I would then just need to move it to whichever account it needs to be in when the time is ready. Yep.","start_word":4111,"end_word":4157,"intents":[{"intent":"Move account","confidence_score":0.00040044144}]},{"text":"That's okay. We just need to get converts to AUD, and then what we can do is we can actually we can we can set up an investment portfolio for you. We can create a within Hub 24, we can link it to Ian's account or your account, which is gonna be the most tax effective. Yeah.","start_word":4159,"end_word":4215,"intents":[{"intent":"Set up investment portfolio","confidence_score":0.2105788},{"intent":"Create investment portfolio","confidence_score":0.08340051}]},{"text":"We'll go through complete this income protection claim. Yeah.","start_word":4391,"end_word":4399,"intents":[{"intent":"Complete income protection claim","confidence_score":0.37186357}]},{"text":"We will then talk about the movement of, pardon me, of your foreign exchange securities, and then we'll create that investment portfolio. We'll link it to here in sub 24 account.","start_word":4400,"end_word":4430,"intents":[{"intent":"Create investment portfolio","confidence_score":0.6413346},{"intent":"Discuss floating funds","confidence_score":0.000911563},{"intent":"Discuss moving funds","confidence_score":0.0040241904},{"intent":"Discuss investment portfolio","confidence_score":0.067592494},{"intent":"Consider investment options","confidence_score":0.00007002481}]},{"text":"We will then talk about the movement of, pardon me, of your foreign exchange securities, and then we'll create that investment portfolio. We'll link it to here in sub 24 account. Oh, no.","start_word":4400,"end_word":4432,"intents":[{"intent":"Discuss fee movement","confidence_score":0.010472666}]},{"text":"We have to discuss it about that one on Monday. Yep. We can we can one step at a time. Let's do this nice and slow. Let's do the most important thing first, which is gonna For be that sure. IP claim. Yeah.","start_word":4502,"end_word":4544,"intents":[{"intent":"Discuss ip claim","confidence_score":0.018207727}]},{"text":"That's alright. We got a bit of a game plan. Are you happy with that? Are you happy with that, Ian? Yes. Yeah.","start_word":4555,"end_word":4577,"intents":[{"intent":"Confirm understanding","confidence_score":0.0009808147}]},{"text":"I've sent you through that ongoing service agreement again. Just just to your email, sir. It's just the hub twenty four o s a. Do you mind jumping into your emails and just having a look at that and seeing if there is Sure.","start_word":4582,"end_word":4625,"intents":[{"intent":"Discuss current service agreement","confidence_score":0.009799426}]},{"text":"if that if you've got that receipt there? There's still there's nothing's changing from what it was before, the same that same percentage base fee. So, obviously, the more money you make, the more money we make. Yay.","start_word":4629,"end_word":4666,"intents":[{"intent":"Discuss receipt issue","confidence_score":0.00016415954}]},{"text":"everybody's happy, and you've got a pretty high balance of numbers We everyone's happy. This doesn't seem to be opening for us, really.","start_word":4669,"end_word":4691,"intents":[{"intent":"Understand balance of numbers","confidence_score":0.0016630167}]},{"text":"can send Beautiful. that out. Beautiful. What I'll We do is can I'll just yeah. e I If will you just email email it us, through. it'll make a plan. Yeah.","start_word":4824,"end_word":4854,"intents":[{"intent":"Request email","confidence_score":0.045997873}]},{"text":"I'll send it through via email as well just to get this ongoing service agreement signed up when you receive it from Maddie. Okay?","start_word":5019,"end_word":5042,"intents":[{"intent":"Inform about service agreement","confidence_score":0.012086629}]},{"text":"Insurances, they're those things you pay all this money for, and the best outcome is nothing happens. But if something happens, you wanna make sure that Yes. you're covered.","start_word":5115,"end_word":5143,"intents":[{"intent":"Provide insurance coverage","confidence_score":0.012715589}]},{"text":"And that policy has been around for a while, so I'd like to know if it's grandfathered or anything.","start_word":5249,"end_word":5267,"intents":[{"intent":"Ask about policy grandfathering","confidence_score":0.0031661608},{"intent":"Ask about policy definitions","confidence_score":0.018743543}]},{"text":"I just wanna dig a little bit deeper into the policy itself because you might have a lot of extra benefits in there.","start_word":5268,"end_word":5290,"intents":[{"intent":"Request additional benefits","confidence_score":0.002236361}]}]},"sentiments":{"segments":[{"text":"Hi. Hey. I'm not too sure what happened there. You cut out of Yeah. me. Yeah.","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":-0.19618690013885495},{"text":"We lost you.","start_word":16,"end_word":18,"sentiment":"negative","sentiment_score":-0.3980139195919037},{"text":"Sorry. Yeah. I don't know why. Where where does it cut out? I'm not too sure what it was saying. I think it was something about the insurances and Yeah. Yep. Okay. So what what to I'll do do is from let's there. let's let's just yeah. No. That's okay. What I'll do is I'll send you through a a a couple documents just to give you an idea of what the breakdown is regarding your regarding your insurances, but also the performance in the defensive portfolio within your Up twenty four account. Yeah. I don't know if you've have you logged in to Hub twenty four recently? Or I have not. No. Okay. It's I have seen that you've been active, you know, in in the shares and stuff that Absolutely. that's it. Yeah. Yep. It's time when when there is when it's time to go, it's time to go. You know? We definitely Yeah. take action when the market is favorable, and that's at the moment. And if you look at your Hub twenty four portfolio, you can see since inception, I believe it was January September 2023. That's how long you've been here for.","start_word":19,"end_word":215,"sentiment":"neutral","sentiment_score":0.024503882974386215},{"text":"Wow. Crazy. Over that time, you've actually achieved better than the benchmark, and you've done, like, total return in those three years of 40.3%.","start_word":216,"end_word":239,"sentiment":"positive","sentiment_score":0.519542932510376},{"text":"So I'll show Oh, you that's that in pretty a sec.","start_word":240,"end_word":250,"sentiment":"neutral","sentiment_score":0.1820947676897049},{"text":"good.","start_word":251,"end_word":251,"sentiment":"positive","sentiment_score":0.3598899245262146},{"text":"Yeah.","start_word":252,"end_word":252,"sentiment":"neutral","sentiment_score":0.3254316449165344},{"text":"Yeah. It's a really, really strong return. So I just want to get this report up because one of my favorite reports is in in your actual documents.","start_word":253,"end_word":280,"sentiment":"positive","sentiment_score":0.4682943522930145},{"text":"So one second. Account reports. There we go. But other than that, I've got everything else sorted out. So did this did this stroke happen towards the end or in the beginning of the holiday? Towards the the end of when we were gonna be like, what what was planned to be on holiday because I've I've not been back to work yet, and that's probably two Yeah. months. Yeah.","start_word":281,"end_word":350,"sentiment":"neutral","sentiment_score":-0.0809488401573617},{"text":"We we couldn't get to fly initially.","start_word":351,"end_word":357,"sentiment":"negative","sentiment_score":-0.35040193796157837},{"text":"We needed to stay in South Africa for another four weeks after the stroke before Ian was cleared Okay. to fly Okay. along. Well, while I'm getting these documents up, I'll let you know. So that income protection claim, you've got a ninety day waiting waiting period. So that's that's three months. How long has it been since you've been off work? It's pretty close to three months. '20 Okay. seventh twenty seventh I of reckon July. we should make a claim as soon as possible. Because if you're not looking at going because after ninety days, you'll get paid in arrears for the next for the next month, for the next thirty days. So pretty much as of next month, you or the date of incidents, ninety days after, from that moment on, you'll be paid $19,771.75 every month. Right. So Yes. I haven't I haven't actually work hasn't suspended paying me or anything like that. Okay. So that that's where the catch is. But it's it's what what happens is they will essentially if you if you if they pay you less or sick leave or anything like that runs up, they will top it up to whatever that benefits of your income protection some insured is for. But we can get to that when we after we submit the claim. I think we should just find some time to run through that. Now I need some time to I'll do it today. Just submit that insurance up insurance claim process, get that get that going. And then on, I think, on Monday, we could probably catch up again, and we can just, you know, break it all down, get it all sorted out, and we'll I'll let you know a little bit more of an update on what happens from there. But, essentially, not only do we write the insurances, we also we also wanna make sure that we do the claims as well. Because insurance companies, we all know they absolutely love taking your money, but when it comes time to claim, they don't like really paying it up Yes. that much.","start_word":358,"end_word":713,"sentiment":"neutral","sentiment_score":-0.02607046285372102},{"text":"They make it difficult.","start_word":714,"end_word":717,"sentiment":"negative","sentiment_score":-0.35987773537635803},{"text":"So when you've when you've got somebody that knows the definitions and how it works, you know, they usually don't even put up a fight. So that leave that into our hands. We'll we'll get that claim sorted out for you. Okay.","start_word":718,"end_word":759,"sentiment":"neutral","sentiment_score":-0.17002801597118378},{"text":"Sounds good. Perfect.","start_word":760,"end_word":762,"sentiment":"positive","sentiment_score":0.4787241518497467},{"text":"You've also got total permanent disability. So for whatever reason, if you are unable to perform your usual duties of work due to injury or illness moving forward, you will we could we could more than likely be able to claim on a total permanent disability claim, which is $901,591 at the moment. So that's that's that's a good option as well depending on the severity. Yeah. Right. Okay. Okay. So so you do have options and which is good. So, yeah, it's definitely definitely something to consider, especially on grabbing care plus insurance. It's it's always one of those things you you don't expect to happen. But when it does, you wanna make sure you protect it, then you are, which is good. Yes.","start_word":763,"end_word":887,"sentiment":"neutral","sentiment_score":0.17535898089408877},{"text":"Well, that is good news.","start_word":888,"end_word":892,"sentiment":"positive","sentiment_score":0.39217665791511536},{"text":"Yeah. Yeah. Mhmm. Just trying to quickly throw this document in. There we go. There we go. There we go. And that is from inception. Yep. Open. I just wanna show you an inception report because this year has been a little bit how do I say? It's been a little bit strange. That's why we've been moving assets so much. But what I wanna do is put that there. There we go. Done. Send. I'm sending this now in segment. Are you in front of a computer? Do you have your email I'm not stickers? in What an iPad, though? I do No. have an IPad iPad. I'm here. iPad's fine. Just on your email from the Gmail. So stegas71@gmail Sure. Open it. dot com. Patty and let's see.","start_word":893,"end_word":1022,"sentiment":"neutral","sentiment_score":0.021048093644472268},{"text":"Beautiful.","start_word":1023,"end_word":1023,"sentiment":"positive","sentiment_score":0.625420868396759},{"text":"Alright. It's somewhere out there in the ether webs, so let me know when you let me know when you have received it. It's come through.","start_word":1024,"end_word":1049,"sentiment":"neutral","sentiment_score":0.20074303448200223},{"text":"Beautiful. Amazing.","start_word":1050,"end_word":1051,"sentiment":"positive","sentiment_score":0.6255248785018921},{"text":"So you wanna click on the review documents? Sorry. Sorry. I was just trying to find it. It come No. through That's on okay. Ian's watch, so we're just waiting to That's see it coming okay. through in the primary inbox that's It's on there. alright. Take your time. There we go.","start_word":1052,"end_word":1103,"sentiment":"neutral","sentiment_score":0.02521795779466629},{"text":"Amazing.","start_word":1104,"end_word":1104,"sentiment":"positive","sentiment_score":0.4983227550983429},{"text":"Got it. So So when scroll. you open It's receiving yeah. a So document. you want so you wanna open up the documents, and the first document you should be looking at is that summary of superannuation as of the 09/03/2026. Are you looking for the attachments? In the email of from OPU Otisign, it's our own CRM, you should have a little big kind of purple or blue button that says review documents. Yep. Click on it. You got that? Yep. Click It's on done. that and The one all it's done documents. yep. Yep. Sign documents. And then, like yep. Open. It's taking some time to open up. No. That's okay. Take your time. Yeah. It looks like it's stuck with nothing actually opening. Okay. What I will do is I might I might send you an email. And Can you CC myself in as well, Pea City? Yeah. Of course. Of course. Good morning. As discussed, please see the attached. Yep. Oh, we also need a ongoing service agreement signed again as well. Yep. There we Okay. go. So we'll get that signed up on, but that's okay. There we go. One. Two. We'll do three. We will do and extract. Why not? There we go. There we go. There we go. Okay. So I'm just just uploading those to an email. So valernda and it's b dot stegman? Yeah. B e e dot stigman Correct. @gmail.com. Yeah. Gotcha.","start_word":1105,"end_word":1346,"sentiment":"neutral","sentiment_score":0.01230626328548124},{"text":"Perfect. So just sending that through now.","start_word":1347,"end_word":1353,"sentiment":"positive","sentiment_score":0.43784841895103455},{"text":"Let me know when you've received it. They also it's it's in that same email chain correspondence when letting me know about the incident as Is it? well. What I'll do is I might actually just try and send you one. Let's do a DocuSign. Bam, bam, bam. Sign. I'll try and upload another one and send it through so that we can see if I can upload OSA just so we can get this ongoing service agreement signed. Insurance Got claims it. are pretty full up.","start_word":1354,"end_word":1440,"sentiment":"neutral","sentiment_score":0.09560639411211014},{"text":"Got it. Beautiful.","start_word":1441,"end_word":1443,"sentiment":"positive","sentiment_score":0.4406510293483734},{"text":"And I Yep. like to get paid too. I'm sure. Yes.","start_word":1444,"end_word":1454,"sentiment":"neutral","sentiment_score":0.18678705394268036},{"text":"Everybody likes that. Everyone likes that.","start_word":1455,"end_word":1460,"sentiment":"positive","sentiment_score":0.40656161308288574},{"text":"I've got people. The funny thing is it's not even for me most time, I just pay everybody else, keeping the lights on. But Yes. there So we there's go. five attachments. Which one should I open? Let's start with the first one. There we go. Sorry. I'm just sending you through here. Just sending you through that Odoo sign again, so you should be able to receive a second one. But, yeah, it's only gonna have that ongoing service agreement to sign off on. So, hopefully, that's because it doesn't have so much data in it, maybe that would be able to load quicker. Not too sure, but at least it's worth Yeah. a try. Yep. Now you have you opened up the first attachment? Yes. That's the The summary Summary that's form. insurance Correct. sum summary.","start_word":1461,"end_word":1598,"sentiment":"neutral","sentiment_score":0.021738998591899872},{"text":"Perfect.","start_word":1599,"end_word":1599,"sentiment":"positive","sentiment_score":0.3824829161167145},{"text":"So now this is where you're currently at. So, you know, the hub 24 and the ANZ Super, we retained that for the purposes of insurances. You still got that, you know, 62 picking up. This was done as of the twenty fifth of the eleventh of last year. We do definitely need to get an ATP updated. That's according authority to proceed. We just haven't got that signed off on, so we couldn't do the research as of recently. But we can Yeah. get that signed off on just to confirm the IP or income protection as well as life and TPD as well. But you can see you've got, you know, your income protection policy has that nineteen day wait. Now what's important to note is we we just need to get the claim sorted out. I'll get that submitted today, but I will just let's get this sooner rather than later. Even though you got a ninety day ninety day waiting period, it's always better to get the claim in. Get it get it try and get it approved pre ninety days because then, you know, they don't have to backdate anything on it. It's just it's just better that way. So Okay. Yeah.","start_word":1600,"end_word":1806,"sentiment":"neutral","sentiment_score":0.09890842056216824},{"text":"if you are unable to work for essentially two years, you'll be paid that slump sum.","start_word":1807,"end_word":1822,"sentiment":"negative","sentiment_score":-0.3677835464477539},{"text":"Keep in mind that that is taxed to 19 Correct. thousand $771 as an income stream. So it will be added to a taxable income. So you'll be taxed on your marginal rate for that, but it's better than nothing.","start_word":1823,"end_word":1862,"sentiment":"neutral","sentiment_score":-0.0908207967877388},{"text":"And, look, realistically, if you are unable to perform your usual duties of work for for more than two years, then you're more than likely not gonna be able to go back to work at all.","start_word":1863,"end_word":1898,"sentiment":"negative","sentiment_score":-0.4146063029766083},{"text":"And if that's the case, your income protection policy will run out, and then we'll apply for a TPD claim. Okay. So that's how they kind of work together. But, yeah, IP is definitely something that we wanna look at, but that gives you a breakdown of where everything's at. Does that do you have any question more questions about that income protection? Or No. I think that's there. I think I mean, my intention is to resume working as as per normal. But it's yeah. So, I mean, we're working towards that with OTs and that kind of stuff, but it is good to know that we have a plan b if needed. I'm sorry. I'm sorry. I missed that one. No. So what I'm saying is, you know, we're working pretty hard at the moment with specialists, you know, for Okay. Ian to be able to return to work. What what was the thing is they they actually provide you. So the insurance company is the it's in their best interest not to not to not to pay you for the full two years. So they can more often than not, they actually assist with, you know, specialists and things like that. So you don't have to pay for anything or anything anything along those lines.","start_word":1899,"end_word":2116,"sentiment":"neutral","sentiment_score":0.04689625163622405},{"text":"That's excellent.","start_word":2117,"end_word":2118,"sentiment":"positive","sentiment_score":0.7304531931877136},{"text":"Yeah. Correct. So Okay. they they That's they good.","start_word":2119,"end_word":2127,"sentiment":"neutral","sentiment_score":0.28350773453712463},{"text":"wanna help you.","start_word":2128,"end_word":2130,"sentiment":"positive","sentiment_score":0.391573429107666},{"text":"Mhmm. And, you know, that's, you know, you know, from a personal note, we're working towards return to work. But it is good to know our options, you Absolutely. know, Yep. A and 100%. if things don't go our way. Yeah. Exactly. So but look. You you are protected. I will have to send out a authority to proceed. And Yes.","start_word":2131,"end_word":2191,"sentiment":"neutral","sentiment_score":0.0856722816824913},{"text":"what I will do is if you can get that signed up on, that'll be amazing.","start_word":2192,"end_word":2207,"sentiment":"positive","sentiment_score":0.3989354968070984},{"text":"I'll get in touch with Maddie straight away. That's first and foremost, and then we can submit this claim. And then on Monday, let's just book it. Are you gonna be available on Monday just for a quick chat? Or Yes. Yes. amazing. I'm Amazing. I'm not working, so I'm I'm hardly available at the moment. K. So No. That's yeah. okay. So what about what about 12:00? Does midday sound right? Or Beautiful call, Ian and Belinda Bergman with updates on IP claim. Not a problem. I put that in my calendar. So that's 12:00. Or can I do 12:00? Let's get this time right. So 12:00, I'll put it in for my time, so that's 10AM your time. Well. Yes.","start_word":2208,"end_word":2329,"sentiment":"neutral","sentiment_score":0.057446489018983526},{"text":"Beautiful. K. Beautiful. Perfect. Perfect.","start_word":2330,"end_word":2334,"sentiment":"positive","sentiment_score":0.6118459701538086},{"text":"Alright. There we go. There we go. And now so that gives you the summary of everything, gives you a few few options, hopefully, because you have a little bit of peace of mind. If you go on to the next attachment, that's just the performance of your super fund. I know it's it's it's been it's been pretty average this year. The reason for that, it's done 6.57%. So you're you're still up, and that's net of these costs and rebates. So you still have a total earnings of $75,360 in the last twelve months, which is not that far that 6.57 percent is not where we wanna be. We wanted a Yes. projection of about 10 and a half we worked on a projection of about 10 and a half percent net of fees. So what I did is I took the next if you open up the next attachment, that is a from inception report. And if you look at the from inception report, this is it's performance with internal rate of return, IRR. And if you go to the second page of that second report, that portfolio over the time that you've been invested has essentially achieved a 11.57% rolling average or since you've been on board. So so for three years, essentially. Pretty much bang on. It was the twenty fifth of the ninth when the fund opened. So, yeah, it's it's it's doing better than expected over the long term. Okay. Yeah. Does that make sense? Or Yes. Yeah.","start_word":2335,"end_word":2589,"sentiment":"neutral","sentiment_score":0.09649908542633057},{"text":"beautiful.","start_word":2590,"end_word":2590,"sentiment":"positive","sentiment_score":0.3381640911102295},{"text":"We like I said, we don't have the performance reports or anything for ANZ, so I will get that sent out today. So keep your eye on after this call, keep your eye on the keep your eye on the emails. And then if you when you you should receive it about five, ten minutes after this this conversation. And if you can sign that, they'll come back to us. You'll get a copy of it, and we'll send it off to AIMT. So we could just update Okay. the figures and then just initiate the claims process. Alright?","start_word":2591,"end_word":2689,"sentiment":"neutral","sentiment_score":0.07073382577962345},{"text":"But overall, everything's ticking along exactly. It's doing it's ticking along better than expected.","start_word":2690,"end_word":2703,"sentiment":"positive","sentiment_score":0.5902712345123291},{"text":"From a from a superannuation performance point of view, should I say, could be better without the without the insurance Right. claim. But, hey, at least you're having a conversation to do it. Right?","start_word":2704,"end_word":2737,"sentiment":"neutral","sentiment_score":0.13054557144641876},{"text":"Amazing.","start_word":2738,"end_word":2738,"sentiment":"positive","sentiment_score":0.5817201733589172},{"text":"Yes. Now they have a they have a couple of documents. It's just in a a Vanguard index chart to give you an idea of time versus risk as well as our updated overview services guide. Look, it like I said, if it's not broken, don't fix it. We've we've already allocated assets appropriately with the new portfolio, and everything is doing what it's supposed to be doing.","start_word":2739,"end_word":2806,"sentiment":"neutral","sentiment_score":0.1307469755411148},{"text":"And really I'm really happy with because you you're not in a very high growth environment.","start_word":2807,"end_word":2822,"sentiment":"positive","sentiment_score":0.3601178228855133},{"text":"You're in a you're in a moderate growth environment. So your your assets are actually invested with defensive exposure as well, And you're still achieving eleven eleven and a half percent on average per annum net of fees, cost, and rebates.","start_word":2823,"end_word":2863,"sentiment":"neutral","sentiment_score":0.2854739725589752},{"text":"So I'm I'm really happy with that return considering that portfolio.","start_word":2864,"end_word":2874,"sentiment":"positive","sentiment_score":0.5803536176681519},{"text":"You know, most industry funds sit around 7% net of fees.","start_word":2875,"end_word":2885,"sentiment":"neutral","sentiment_score":0.3072018027305603},{"text":"So if you're doing 4%, that's amazing.","start_word":2886,"end_word":2892,"sentiment":"positive","sentiment_score":0.4950996935367584},{"text":"And if you can log in to your Hub twenty four year, you should be able to see a graph that kind of tracks against what we call the benchmark. The benchmark is the top 300 Australian shares. In Australia, domestic shares. And you in your with defensive assets have are are tracking, you've actually achieved a better return, slightly better return than the actual index, which is incredible having defensive assets involved. Does that make sense, or did I just ramble a lot of words? It does. And, Sydney, there's there's one more more question. Like, something Yeah. that's Got been for a while. Like, I was thinking back three years when we started talking. One of the things you said in one of our first conversations, I need to have my will sorted out. So Yes. I Yeah. I had Yeah.","start_word":2893,"end_word":3035,"sentiment":"neutral","sentiment_score":0.08951228802333346},{"text":"Absolutely. done.","start_word":3036,"end_word":3037,"sentiment":"positive","sentiment_score":0.364069938659668},{"text":"So It's one of those things that you just always put on the background until something happens. yes. So Yep. can you give us, like, what should I be doing to to sort that out? So if you want a comprehensive will, I can refer you over to a lawyer, a family lawyer. They will they will be able to draw you up a pretty comprehensive estate planning concept. But if if you don't wanna spend this it's a it's a few grand, a few couple thousand dollars, if you want a really comprehensive one. And, obviously, depending on how sophisticated your situation is, if you got companies and all that, obviously, it costs more. All I wanted is not to create complications and and have a hard time to to sort out And go online. estate and Go stuff. online. Just I think it's there's there's there's kinda it's it's probably, I can think, a $100 something. You can fill out some fully legally binding estate planning will and power of attorney online. Okay. Yeah. It's a Google thing. Let me show up. One second. I'll just have a look. Online. Will. Everyone Australia is number one will platform. Here we go. Yeah. Make your Australian Will online is Morris Blackburn one, which is pretty good. Fixed price, $160 for individuals, $240 for couples. So Okay. Okay. I have a look at that. But if you did want me to make that referral, I can definitely I I would probably refer you over to CJM Law, who is our commercial. They actually did my family law when I went through my separation.","start_word":3038,"end_word":3310,"sentiment":"neutral","sentiment_score":0.0881110355257988},{"text":"I can't speak highly enough about them. No. I I don't believe ours will be complicated.","start_word":3311,"end_word":3326,"sentiment":"negative","sentiment_score":-0.5082964301109314},{"text":"Don't have Yeah. business If or it's not anything. if it's not that complex and you got you you just kind of, you know, you don't have any estranged family members, then more than that, I think a a online will through, say, Morris Blackburn or someone like that would would be sufficient. Okay. Okay. I think we'll check that out, but it's it's Have a one look. of Absolutely. the things that's bugging me that I haven't done. So Yeah.","start_word":3327,"end_word":3407,"sentiment":"neutral","sentiment_score":-0.05277181996239557},{"text":"It bugs everybody. It even bugs me.","start_word":3408,"end_word":3414,"sentiment":"negative","sentiment_score":-0.3972880244255066},{"text":"I've talked to Nate. Mine have been needs to update it since separation four years ago. So it's one of those it's always one of those things. But, yeah, look, that everything's tracking along how it's supposed to be.","start_word":3415,"end_word":3453,"sentiment":"neutral","sentiment_score":-0.0610145702958107},{"text":"Like like you've seen, we've we've moved assets appropriately just to kind of accommodate and cushion we call it cushioning for the market environment. But, yeah, 11 and a half percent net of fees is is an incredible return for your kind of portfolio.","start_word":3454,"end_word":3497,"sentiment":"positive","sentiment_score":0.5596115589141846},{"text":"More importantly, have you received the do you have any questions? Are you happy with everything? I really wanna get this income protection claim on We do have other the questions. Did you wanna way. go first? Yeah. Yeah. Absolutely. It should. Well, I I was thinking quite a lot about retirement in in the last short while. And, obviously, since the strike, it's like, what if I can't work? What what if that happens? Like, what what does it actually take to to retire and, Yeah. you know, Understood. how how What would is I it? even What start is working it through like? that? Like, Mhmm. you know, Alright. Well, how old are I've you I've at been the moment? based for successful. I've worked for Okay. over thirty years now. So, you know, Yeah. Yeah. I think Fifty that four. a typical career should be about thirty years. And, yeah, then what Well, you've you've got the fruits of the labor showing through your super funds. Now it's a matter of just identifying your I think we should just get on this income protection claim as soon as possible because then you've got two years to kind of for us to plan.","start_word":3498,"end_word":3702,"sentiment":"neutral","sentiment_score":0.07067698480152503},{"text":"We can get you get your you know, since you have that pushed out, we can work on strategies to be able to facilitate the right income you need to be able to get Yes.","start_word":3703,"end_word":3737,"sentiment":"positive","sentiment_score":0.4782201945781708},{"text":"to age 60. And when you get to age 60, you can start drawing down from your superannuation. Keep in mind, if you get a TPD claim, that's another $900. So after when it comes to two years of being on that income protection claim, then I'd wanna go down the track of saying, look. He's not gonna go back to work, and then they'll give you $900 to push you out until the age of 60, if not further. And then you can start drawing down from super, and we can start looking at those drawdown and account based pension strategies as well. So there we Right. we're essentially it's gonna be kind of like a hybrid approach to where we can utilize the insurance policies, pre retirement. And then when you get the payment from the insurance policies, you can then essentially be retired in itself. Okay. Does that does that make sense? Or Yep. Yes. Yeah. Yeah. So we just we just need to get this claim underway. That's it. First and foremost. Right. Okay. The other query that I have for you is we've received some funds from Ian's dad in South Africa Yep. to invest in it. It's not massive. It's probably about $10 British pounds, And we need to kind of put it somewhere Yes. Yep. and some have invested on this side, but we're a little bit unsure as to where to even start as to what would be a good spot that we'll need to able to access it should his health, you know, in Yep. his dad is close to 90. So should his health deteriorate, we might need to access it. Okay. But, you know, it's kind of sensitive to us in the interim to kind of Yep. look Yep. Absolutely. Okay. So with the after. sterling, sterling goes I think it's, like, $1.81.0.9, something like that. No money. Yep. So you're you're looking at about $1,819,000 dollars there. Yep. So we can definitely if you is it in Australian dollars at the moment, or is it still still in power? So, no, it is still in Sterling Point. So what he's done is I have a international travel account. Yep. So Yep. they've sent it to me in GBP. So it's sitting in my Wise account. So, obviously, it's not doing anything for us as yet. So I would then just need to move it to whichever account it needs to be in when the time is ready. Yep. No. That's okay. We just need to get converts to AUD, and then what we can do is we can actually we can we can set up an investment portfolio for you. We can create a within Hub 24, we can link it to Ian's account or your account, which is gonna be the most tax effective. Yeah. Are you working at the moment, Linda or? Yes. I am working full time at the moment. Gotcha. Who makes the best the highest income? Yeah. For sure. Well, with current events, it's you gotta ask the question. Okay. What we'd probably do is we would create a IDPS and we'll link it to a family IDPS, to Family Hub 24 maybe, if that is appropriate product for you. And then what we can do is essentially yeah. We can we can just create investment portfolio, get that money working harder for you. If you need it, we could just sell it down. Oh, I agree. We can just sell it down. If you wanted money a little bit more liquid, we can just do we can just do ETFs, exchange traded funds. It's just yeah. And it can just sit there and tick along. So we can create that portfolio for you. Okay. Did Alright. you would We'll you do like me that. let yeah. Let's have let's have a catch up on Monday. We'll go through complete this income protection claim. Yeah. We will then talk about the movement of, pardon me, of your foreign exchange securities, and then we'll create that investment portfolio. We'll link it to here in sub 24 account. Oh, no. We won't. Sorry. It'll be oh, we could probably link it to your account. And then I'll just have a look at what that looks like, whatever's gonna be the lowest in fees so that Yeah. doesn't need to weigh too much. And, yeah, then we can just get that invested. We'll write up a statement of advice and make that happen for you.","start_word":3738,"end_word":4496,"sentiment":"neutral","sentiment_score":0.06686905948187523},{"text":"Sounds good. Alright. Amazing.","start_word":4497,"end_word":4500,"sentiment":"positive","sentiment_score":0.4686862826347351},{"text":"Yeah. We have to discuss it about that one on Monday. Yep. We can we can one step at a time. Let's do this nice and slow. Let's do the most important thing first, which is gonna For be that sure. IP claim. Yeah. For sure. No. I'm happy with that. Thanks, Debbie. No. That's alright. We got a bit of a game plan. Are you happy with that? Are you happy with that, Ian? Yes. Yeah. For sure.","start_word":4501,"end_word":4579,"sentiment":"neutral","sentiment_score":0.08398697525262833},{"text":"Amazing. Cool.","start_word":4580,"end_word":4581,"sentiment":"positive","sentiment_score":0.5479303002357483},{"text":"I've sent you through that ongoing service agreement again. Just just to your email, sir. It's just the hub twenty four o s a. Do you mind jumping into your emails and just having a look at that and seeing if there is Sure. the Kindly not. if that if you've got that receipt there? There's still there's nothing's changing from what it was before, the same that same percentage base fee. So, obviously, the more money you make, the more money we make.","start_word":4582,"end_word":4665,"sentiment":"neutral","sentiment_score":0.030469553545117375},{"text":"Yay.","start_word":4666,"end_word":4666,"sentiment":"positive","sentiment_score":0.45478400588035583},{"text":"And Yeah.","start_word":4667,"end_word":4668,"sentiment":"neutral","sentiment_score":0.2588823437690735},{"text":"everybody's happy, and you've got a pretty high balance of numbers We everyone's happy.","start_word":4669,"end_word":4682,"sentiment":"positive","sentiment_score":0.4692627489566803},{"text":"This doesn't seem to be opening for us, really. It it must be because they're on the iPad and not on a computer. No. It shouldn't make a difference. There was no dramas last time, like, when when we Yeah. did I'm the not too last time. I'm not too sure why it's doing that. Let's just see if I've got a hub 24. Hey. Sorry. A DocuSign account. Okay. There you go. Next. Next. I'm just trying to see it. Yeah. And maybe just give it a refresh. Did it come through to your did it come through to your personal email Yes. or weird. Yeah. I'm not I'm not too sure what's going on there. What do you is there any way that you'd be able to sign it digitally with a Adobe PDF? Or Yes. Yeah. We yeah. can send Beautiful. that out.","start_word":4683,"end_word":4828,"sentiment":"neutral","sentiment_score":-0.055820623974073426},{"text":"Beautiful.","start_word":4829,"end_word":4829,"sentiment":"positive","sentiment_score":0.5412203669548035},{"text":"What I'll We do is can I'll just yeah. e I If will you just email email it us, through. it'll make a plan. Yeah. Correct. Correct. There we go. There we go. Hi, Ian. Please see attached for your for your sign in and return. So I'm just gonna make these emails. Not not not too professional, nice and short and sweet because we all know what what's going on.","start_word":4830,"end_word":4900,"sentiment":"neutral","sentiment_score":0.08626922219991684},{"text":"Beautiful.","start_word":4901,"end_word":4901,"sentiment":"positive","sentiment_score":0.455621600151062},{"text":"There we go. Alright. And I'm gonna cc my colleagues in, so Madison as well as Caden. And if you can just respond to that, preferably reply to all, that would be great. But if not, it's alright. I'll I'll receive it and I'll save it up and send it off. I've just sent that through to you. But outside of that, yep, let me just finish up this call.","start_word":4902,"end_word":4971,"sentiment":"neutral","sentiment_score":0.20635530352592468},{"text":"If you can if I can get that signed and sent back for the ongoing service agreements to get paid for the work, that'll be great.","start_word":4972,"end_word":4997,"sentiment":"positive","sentiment_score":0.4600121080875397},{"text":"And what I'll do is I'll get in touch with the I'll send off that. You should receive an email. I'll send it through via email as well just to get this ongoing service agreement signed up when you receive it from Maddie. Okay? And once you get that back, we can we can essentially get in touch with them and start working with them to get this claims process underway and get back in touch on Monday.","start_word":4998,"end_word":5075,"sentiment":"neutral","sentiment_score":0.12256952012196563},{"text":"I'm good. Excellent. Beautiful. Awesome, guys.","start_word":5076,"end_word":5081,"sentiment":"positive","sentiment_score":0.6071462631225586},{"text":"Well, I'm really sorry to hear about the the bad news, but the good part is that you are covered. So let's let's let's just make sure that, you know, all those premiums. Insurances, they're those things you pay all this money for, and the best outcome is nothing happens. But if something happens, you wanna make sure that Yes. you're covered. You wanna make Oh, sure for that you're sure. covered for enough and you are I covered. am still looking forward to a complete recovery, though. Oh, for sure. Absolutely.","start_word":5082,"end_word":5173,"sentiment":"neutral","sentiment_score":0.060359176248312},{"text":"Well, the the best thing about these income protection claims in Australia, especially, is they're really good. Like, income protection is a really, really good product.","start_word":5174,"end_word":5199,"sentiment":"positive","sentiment_score":0.4340323805809021},{"text":"So So much so that they actually do change on the 10/05/2021. Actually, it changed all the all the laws and all the all the definitions and everything around them because they they were too good. The companies are losing too much money. So Okay. that and that yeah. And that policy has been around for a while, so I'd like to know if it's grandfathered or anything. I just wanna dig a little bit deeper into the policy itself because you might have a lot of extra benefits in there. But the whole purpose of that is part of those extra benefits is you can actually you can they they they essentially you you can in the within the it's hard to say. Within the definitions, you can get benefits included, like add ons, which includes, you know, professional assistance, you know, osteopaths. You can get all sorts of neurological professionals. You can you can get a lot of extras with that policy, but I just don't know what they are just yet. So that's why we need No.","start_word":5200,"end_word":5379,"sentiment":"neutral","sentiment_score":-0.03702995926141739},{"text":"to That kinda sounds good. Oh, yeah. brilliant.","start_word":5380,"end_word":5387,"sentiment":"positive","sentiment_score":0.4786505401134491},{"text":"Alright. That's Yeah. Those So those are strictly the types of resources that we're looking at you exactly. Exactly. at new. And they Okay? do this all the time.","start_word":5388,"end_word":5416,"sentiment":"neutral","sentiment_score":0.12594518065452576},{"text":"So they can they can help you and guide you in the right direction as well.","start_word":5417,"end_word":5432,"sentiment":"positive","sentiment_score":0.3690713047981262},{"text":"Yes.","start_word":5433,"end_word":5433,"sentiment":"neutral","sentiment_score":0.2544091045856476},{"text":"Oh, excellent.","start_word":5434,"end_word":5435,"sentiment":"positive","sentiment_score":0.4952372610569},{"text":"No. That's good Yes. news.","start_word":5436,"end_word":5440,"sentiment":"neutral","sentiment_score":0.27528730034828186},{"text":"So they'll hold your hand. Amazing. Alright. Well, let me get to work. Thank you for your time. Always a pleasure, never a chore, and I will speak to you on Monday. Thanks, Debbie. Yeah. Awesome. Thanks for your time, guys. See you. Bye.","start_word":5441,"end_word":5484,"sentiment":"positive","sentiment_score":0.5721721053123474},{"text":"Bye bye.","start_word":5485,"end_word":5486,"sentiment":"neutral","sentiment_score":0.260864794254303}],"average":{"sentiment":"neutral","sentiment_score":0.07755969669229075}}}}