{"metadata":{"transaction_key":"deprecated","request_id":"01a0b258-18ae-7070-b510-d2c9a10b7d08","sha256":"4ac6c726880f9134d35a40b1d14c77edfcf9bd280dcfa78a2729a7ae3532ca78","created":"2026-09-18T02:28:35.122Z","duration":1411.992,"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":4494,"output_tokens":103},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":5043,"output_tokens":5053},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":5043,"output_tokens":671}},"results":{"channels":[{"alternatives":[{"transcript":"Hi, Mark. It's from OC Financial. How are you going? Yeah. Good. Good. Friday. Can't complain. I was just giving you a call today so we could have a bit of a chat with regards to the money that you wanted to re withdraw. Sorry. Was now still a good time? Sorry, Mark. Was now okay? Mark? Hello? Oh, didn't go. You're okay. That's fine. Now we're still good? No. You're so fine. Well, before we jump into it, I do need to let you know our calls are recorded. And if I could, just get you confirmed security. It's full name, date of birth, and address. Perfect. Okay. So I've been working in the back end with Caden with regards to the claims. I'm pretty across it. With respect to where things fit. Now, ultimately speaking, Hub twenty four has approved the PI claim, which is ultimately the super funds equivalent to a TPD claim. And what that means is we can essentially withdraw some of the benefits under the actual account. Now there are a couple of considerations that we need to make. I'm Risa. One is that the superannuation benefit is actually taxable. So so what that means is we can pay up to 22%. Now there is a kind of full calculation that can be done that is based on a few additional details that will enable us to kind of reduce the tax payable. I wanted to confirm with you just to make sure I had the right details, because what I can do is go away and have a look at what tax payable would be applicable to the withdrawal would be. Because it's calculated as of the date we as of the date you the date you finished work, the your date of birth is at '65. So it's basically your birthday when you would intend to be five. And, essentially, what what's referred to as the reference date of your account or eligible service date. Now the eligible service date is basically calculated in the back end of the super fund, and it'll be sort of the oldest date of either the first date you started working, the first date a superannuation account was opened, or the account in question was opened. Now the account with Hub twenty four was rolled over from your CareSuper account initially. So both of the accounts have the same eligible service date. So I just wanted to, I guess, find out essentially how much you wanted to actually withdraw and, I guess, where things fit and what you're wanting to achieve for the long term. Because there's, you know, acting now and withdrawing money now and depending on the service that you're intending for that money or the purpose that money is going to serve, there is then also on the other side of things, the longevity of the So I guess what's the goal with the withdrawal of funds is what we push it. No. That's okay. They asked how much customer debt do you have? Yeah. No. No. I I do get that. Okay. So if you were to pay off the mortgage and do the rep in ten years or the virus now. What's the figure that you would need? Okay. Okay. Well, there's a couple of different I think I can definitely have a look at advice overall that would look into taxes applicable if we did a withdrawal, that uplift calculation that happened, which saves us paying a little bit less tax. I can also have a look at comparing, you know, the money growth in your fund versus popping that money onto the mortgage and the differential or the sorry, difference that it has between so I guess those two avenues of investment versus, you know, interest payable and sort of provide that to have a bit more of a conversation and go from there. Now that will take me a couple of weeks after you get me a loan, like, your your updated loan documents. I need to know the details of the loan. They for interest rate. That and, like, the the loan document doesn't, but if you want me to sort of, I guess, compare and give you actual advice on whether you should take the money out and put it on the mortgage or whether you should leave it in the fund to grow for the future, that's where that loan document comes in. The only thing I realistically need to be able to calculate the tax would be just confirming I know it's written in the document, but I always like to confirm. And, honestly, I was just looking yesterday, so I can't quite remember the date right now. But take a look at them again. The date that you last what? Cool. Not maybe. Yeah. Okay. Cool. Alright. So no. That's okay. Yeah. No. No. That's okay. I may may ring the bell, so that's alright. And outside of that, what I will do is I can do the math calculation. It is a little bit of a complex math calculation, and I do have a bit of a backlog day today. But would you be okay if I send you an email with, I guess, the applicable tax rate for the account? Yes. Yes. And that would have the same applicable tax payable. I guess there is sorry? Do you know who led you to believe that? No. That's okay. TPD, when paid by super so TPD and permanent incapacity are essentially the same thing. It means that you're never able to work. The only difference is TPD or total payment facility is a definition used by an insurer, and PI or permanent incapacity is a definition used by a super fund. Now your TPD, the actual insurance benefit that you pay a premium for, is owned by a super fund, which means it actually has to meet both a TPD and a PI definition, which essentially, if you meet a TPD definition, you have met a PI But the hub twenty four PI claim's obviously gone through. It's a caregiver, which I know that Caden spoke to you yesterday yesterday about going to the your doctor, getting an updated medical certificate. Yeah. Yeah. She's she's, I guess, being a little bit ambiguous with the the care through the form and a little bit more, like, nope. Yeah. And it's also a little bit of a time between the two. So it's totally understandable, you know, as your medical case evolve, new things coming to play. So Not They yeah. They require their own phone. Be here forever. No. I know. Yeah. No. No. I I do get it. So I guess, essentially speaking, if you're wanting to make a more immediate withdrawal, that would come under what industry known as an execution order. So you would basically instruct me to execute a withdrawal for you. It means that I'm not giving you advice. I'm giving you general information and that I've done for But I'm not advising you how much, where to sell it from. If you do want to look at advice where we consider longevity, we consider the mortgage, we consider your last income, we can look at all of it to see how we're going to fund things moving forward, we can definitely do that, and we can pick that up at any time that you're wanting to sort of look at it. One of the things that I can see, and this is all obviously depending on CareSuper accepting the claim, is that what's gonna happen with the TPD claim is once it's approved, the TPD amount will be released from MetLife, who is the insurer, and that gets released into the CareSuper super account. Yeah. Yeah. Because, like, the CareSuper account is actually the owner. You're the life insured. So they pay the owner of the account. What we could do from there is there's a couple of different avenues. Because once your TPD payment will be paid, you'll have no other insurance in the account to be claimed. We could actually roll that account over into Hub twenty four account, obviously, providing the numbers will match up and everything looks good, and we could just consolidate the one account and invest under that account moving forward. Because your Care Super account was literally an insurance. Which is fine. Yeah. So with your Care Superfund, the life and the TPD insurance, they're actually linked. So it means that if you upon the approval of the TPD benefit, it will reduce the life benefit by the amount of TPD paid, which essentially means that your PPD policy is going to reduce your life benefit to zero. Mhmm. We can always claim it out so that way you no longer pay the premium because then it's no longer a costing code to you. We ensure that we keep the that amount of money sitting in your super fund because then it's no longer an insurance claim. It's your money. You've met a condition of relief. We just be smart with what we release, and you make sure that you we keep that money set aside with the intended purpose of it being a life benefit. No. That's it. I'm I'm just spitballing. Exactly. Rather than the life insurance benefits that's under care super. Don't quote me, but I was reading the PDF the other month, and I'm quite sure it's actually a decreasing benefit. So as you get older, the amount gets lower. I'd have to look at it again to confirm what those step downs are. But at least we we we lock it we are locking the claim amount now. Again, I'm I'm just exploring and talking to you as I go through near on the firing, so to speak. So it's just it's kind of options that are available to us. The claim to TPD is already sitting there, so it is an avenue we could we can go through. It's just all of this is, I guess, depending on what you want. So you do have the a real life insurance benefit as well. So that that obviously gives you reassurance that there is insurance there too. Yes. And and definitely something we can look at future leading. The the last certificate of current day I have for your real life cover was back in twenty twenty twenty twenty four. So it's a couple years old, but it's sitting at $268,000 on that life benefit. So you've you've still got that money sitting there as well in terms of insurance, if anything goes. Yeah. Absolutely. And it's a perfectly valid strategy that we could look to implement. It's just totally I mean, it does sound really good, but but, like, I'd look like to actually look at, you know, how it works on, like, the longevity services and and what we could do future leading. It's just, I guess, depending on whether you wanna look at doing all this now or whether you just wanna try and get through the claims, get a little bit of money withdrawn if, you know, you're comfortable, and then pick up a. Yeah. Yeah. Yeah. You you Yes. Yeah. And it it would just, I guess, depend on the timeline that that actually is executed and and how the liquidation looks. But, yeah, it's definitely something we can when you're in the headspace headspace to do it. Yeah. No. That's completely fair. Yeah. That's completely fair. Absolutely. No. Yeah. Yeah. Yeah, man. No. Absolutely. I'll what I'll do is I will calculate what the tax uplift would be, and then I will try and break that down in a simple layman's terms as possible. And and we can go from there. That's okay. Alright. Perfect. I'll get cracking, and I'll get back to you by Monday. K k? That's okay, ma'am. Not a problem at all. If you have any other questions, give me a callback. Thanks. 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Mark. It's from OC Financial. How are you going? Yeah. Good.\n\nGood. Friday. Can't complain. I was just giving you a call today so we could have a bit of a chat with regards to the money that you wanted to re withdraw. Sorry.\n\nWas now still a good time? Sorry, Mark. Was now okay? Mark? Hello?\n\nOh, didn't go. You're okay. That's fine. Now we're still good? No.\n\nYou're so fine. Well, before we jump into it, I do need to let you know our calls are recorded. And if I could, just get you confirmed security. It's full name, date of birth, and address. Perfect.\n\nOkay. So I've been working in the back end with Caden with regards to the claims. I'm pretty across it. With respect to where things fit. Now, ultimately speaking, Hub twenty four has approved the PI claim, which is ultimately the super funds equivalent to a TPD claim.\n\nAnd what that means is we can essentially withdraw some of the benefits under the actual account. Now there are a couple of considerations that we need to make. I'm Risa. One is that the superannuation benefit is actually taxable. So so what that means is we can pay up to 22%.\n\nNow there is a kind of full calculation that can be done that is based on a few additional details that will enable us to kind of reduce the tax payable. I wanted to confirm with you just to make sure I had the right details, because what I can do is go away and have a look at what tax payable would be applicable to the withdrawal would be. Because it's calculated as of the date we as of the date you the date you finished work, the your date of birth is at '65. So it's basically your birthday when you would intend to be five. And, essentially, what what's referred to as the reference date of your account or eligible service date.\n\nNow the eligible service date is basically calculated in the back end of the super fund, and it'll be sort of the oldest date of either the first date you started working, the first date a superannuation account was opened, or the account in question was opened. Now the account with Hub twenty four was rolled over from your CareSuper account initially. So both of the accounts have the same eligible service date. So I just wanted to, I guess, find out essentially how much you wanted to actually withdraw and, I guess, where things fit and what you're wanting to achieve for the long term. Because there's, you know, acting now and withdrawing money now and depending on the service that you're intending for that money or the purpose that money is going to serve, there is then also on the other side of things, the longevity of the So I guess what's the goal with the withdrawal of funds is what we push it.\n\nNo. That's okay. They asked how much customer debt do you have? Yeah. No.\n\nNo. I I do get that. Okay. So if you were to pay off the mortgage and do the rep in ten years or the virus now. What's the figure that you would need?\n\nOkay. Okay. Well, there's a couple of different I think I can definitely have a look at advice overall that would look into taxes applicable if we did a withdrawal, that uplift calculation that happened, which saves us paying a little bit less tax. I can also have a look at comparing, you know, the money growth in your fund versus popping that money onto the mortgage and the differential or the sorry, difference that it has between so I guess those two avenues of investment versus, you know, interest payable and sort of provide that to have a bit more of a conversation and go from there. Now that will take me a couple of weeks after you get me a loan, like, your your updated loan documents.\n\nI need to know the details of the loan. They for interest rate. That and, like, the the loan document doesn't, but if you want me to sort of, I guess, compare and give you actual advice on whether you should take the money out and put it on the mortgage or whether you should leave it in the fund to grow for the future, that's where that loan document comes in. The only thing I realistically need to be able to calculate the tax would be just confirming I know it's written in the document, but I always like to confirm. And, honestly, I was just looking yesterday, so I can't quite remember the date right now.\n\nBut take a look at them again. The date that you last what? Cool. Not maybe. Yeah.\n\nOkay. Cool. Alright. So no. That's okay.\n\nYeah. No. No. That's okay. I may may ring the bell, so that's alright.\n\nAnd outside of that, what I will do is I can do the math calculation. It is a little bit of a complex math calculation, and I do have a bit of a backlog day today. But would you be okay if I send you an email with, I guess, the applicable tax rate for the account? Yes. Yes.\n\nAnd that would have the same applicable tax payable. I guess there is sorry? Do you know who led you to believe that? No. That's okay.\n\nTPD, when paid by super so TPD and permanent incapacity are essentially the same thing. It means that you're never able to work. The only difference is TPD or total payment facility is a definition used by an insurer, and PI or permanent incapacity is a definition used by a super fund. Now your TPD, the actual insurance benefit that you pay a premium for, is owned by a super fund, which means it actually has to meet both a TPD and a PI definition, which essentially, if you meet a TPD definition, you have met a PI But the hub twenty four PI claim's obviously gone through. It's a caregiver, which I know that Caden spoke to you yesterday yesterday about going to the your doctor, getting an updated medical certificate.\n\nYeah. Yeah. She's she's, I guess, being a little bit ambiguous with the the care through the form and a little bit more, like, nope. Yeah. And it's also a little bit of a time between the two.\n\nSo it's totally understandable, you know, as your medical case evolve, new things coming to play. So Not They yeah. They require their own phone. Be here forever. No.\n\nI know. Yeah. No. No. I I do get it.\n\nSo I guess, essentially speaking, if you're wanting to make a more immediate withdrawal, that would come under what industry known as an execution order. So you would basically instruct me to execute a withdrawal for you. It means that I'm not giving you advice. I'm giving you general information and that I've done for But I'm not advising you how much, where to sell it from. If you do want to look at advice where we consider longevity, we consider the mortgage, we consider your last income, we can look at all of it to see how we're going to fund things moving forward, we can definitely do that, and we can pick that up at any time that you're wanting to sort of look at it.\n\nOne of the things that I can see, and this is all obviously depending on CareSuper accepting the claim, is that what's gonna happen with the TPD claim is once it's approved, the TPD amount will be released from MetLife, who is the insurer, and that gets released into the CareSuper super account. Yeah. Yeah. Because, like, the CareSuper account is actually the owner. You're the life insured.\n\nSo they pay the owner of the account. What we could do from there is there's a couple of different avenues. Because once your TPD payment will be paid, you'll have no other insurance in the account to be claimed. We could actually roll that account over into Hub twenty four account, obviously, providing the numbers will match up and everything looks good, and we could just consolidate the one account and invest under that account moving forward. Because your Care Super account was literally an insurance.\n\nWhich is fine. Yeah. So with your Care Superfund, the life and the TPD insurance, they're actually linked. So it means that if you upon the approval of the TPD benefit, it will reduce the life benefit by the amount of TPD paid, which essentially means that your PPD policy is going to reduce your life benefit to zero. Mhmm.\n\nWe can always claim it out so that way you no longer pay the premium because then it's no longer a costing code to you. We ensure that we keep the that amount of money sitting in your super fund because then it's no longer an insurance claim. It's your money. You've met a condition of relief. We just be smart with what we release, and you make sure that you we keep that money set aside with the intended purpose of it being a life benefit.\n\nNo. That's it. I'm I'm just spitballing. Exactly. Rather than the life insurance benefits that's under care super.\n\nDon't quote me, but I was reading the PDF the other month, and I'm quite sure it's actually a decreasing benefit. So as you get older, the amount gets lower. I'd have to look at it again to confirm what those step downs are. But at least we we we lock it we are locking the claim amount now. Again, I'm I'm just exploring and talking to you as I go through near on the firing, so to speak.\n\nSo it's just it's kind of options that are available to us. The claim to TPD is already sitting there, so it is an avenue we could we can go through. It's just all of this is, I guess, depending on what you want. So you do have the a real life insurance benefit as well. So that that obviously gives you reassurance that there is insurance there too.\n\nYes. And and definitely something we can look at future leading. The the last certificate of current day I have for your real life cover was back in twenty twenty twenty twenty four. So it's a couple years old, but it's sitting at $268,000 on that life benefit. So you've you've still got that money sitting there as well in terms of insurance, if anything goes.\n\nYeah. Absolutely. And it's a perfectly valid strategy that we could look to implement. It's just totally I mean, it does sound really good, but but, like, I'd look like to actually look at, you know, how it works on, like, the longevity services and and what we could do future leading. It's just, I guess, depending on whether you wanna look at doing all this now or whether you just wanna try and get through the claims, get a little bit of money withdrawn if, you know, you're comfortable, and then pick up a.\n\nYeah. Yeah. Yeah. You you Yes. Yeah.\n\nAnd it it would just, I guess, depend on the timeline that that actually is executed and and how the liquidation looks. But, yeah, it's definitely something we can when you're in the headspace headspace to do it. Yeah. No. That's completely fair.\n\nYeah. That's completely fair. Absolutely. No. Yeah.\n\nYeah. Yeah, man. No. Absolutely. I'll what I'll do is I will calculate what the tax uplift would be, and then I will try and break that down in a simple layman's terms as possible.\n\nAnd and we can go from there. That's okay. Alright. Perfect. I'll get cracking, and I'll get back to you by Monday.\n\nK k? That's okay, ma'am. Not a problem at all. If you have any other questions, give me a callback. Thanks.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hi, Mark.","start":5.2799997,"end":5.92,"sentiment":"neutral","sentiment_score":0.10730209201574326},{"text":"It's from OC Financial.","start":5.92,"end":7.52,"sentiment":"neutral","sentiment_score":0.1804177090525627},{"text":"How are you going?","start":7.52,"end":8.42,"sentiment":"neutral","sentiment_score":0.23289557173848152},{"text":"Yeah.","start":10.48,"end":10.98,"sentiment":"neutral","sentiment_score":0.2603068947792053},{"text":"Good.","start":11.12,"end":11.5199995,"sentiment":"positive","sentiment_score":0.4399532675743103}],"sentiment":"neutral","sentiment_score":0.21400978912909827,"num_words":12,"start":5.2799997,"end":11.5199995},{"sentences":[{"text":"Good.","start":11.5199995,"end":11.92,"sentiment":"positive","sentiment_score":0.43836307525634766},{"text":"Friday.","start":11.92,"end":12.42,"sentiment":"neutral","sentiment_score":0.3166901469230652},{"text":"Can't complain.","start":12.48,"end":13.219999,"sentiment":"neutral","sentiment_score":0.2255483940243721},{"text":"I was just giving you a call today so we could have a bit of a chat with regards to the money that you wanted to re withdraw.","start":19.795,"end":27.654999,"sentiment":"neutral","sentiment_score":0.030870567741138593},{"text":"Sorry.","start":29.154999,"end":29.654999,"sentiment":"neutral","sentiment_score":-0.0035351943224668503}],"sentiment":"neutral","sentiment_score":0.06263608220174458,"num_words":33,"start":11.5199995,"end":29.654999},{"sentences":[{"text":"Was now still a good time?","start":30.47,"end":32.25,"sentiment":"neutral","sentiment_score":0.17146000390251478},{"text":"Sorry, Mark.","start":38.63,"end":39.53,"sentiment":"neutral","sentiment_score":0.012597580440342426},{"text":"Was now okay?","start":39.91,"end":40.89,"sentiment":"neutral","sentiment_score":0.035681089386343956},{"text":"Mark?","start":47.805,"end":48.305,"sentiment":"neutral","sentiment_score":0.01181880570948124},{"text":"Hello?","start":48.364998,"end":48.864998,"sentiment":"neutral","sentiment_score":0.008668269962072372}],"sentiment":"neutral","sentiment_score":0.09088350216356608,"num_words":13,"start":30.47,"end":48.864998},{"sentences":[{"text":"Oh, didn't go.","start":55.805,"end":56.864998,"sentiment":"neutral","sentiment_score":-0.13174868871768317},{"text":"You're okay.","start":60.83,"end":61.730003,"sentiment":"neutral","sentiment_score":-0.009251311421394348},{"text":"That's fine.","start":61.79,"end":62.43,"sentiment":"neutral","sentiment_score":0.07206462509930134},{"text":"Now we're still good?","start":62.43,"end":63.65,"sentiment":"neutral","sentiment_score":0.107562106102705},{"text":"No.","start":66.03,"end":66.270004,"sentiment":"neutral","sentiment_score":-0.03323664143681526}],"sentiment":"neutral","sentiment_score":0.010616028681397438,"num_words":12,"start":55.805,"end":66.270004},{"sentences":[{"text":"You're so fine.","start":66.270004,"end":67.23,"sentiment":"neutral","sentiment_score":0.06888251254955928},{"text":"Well, before we jump into it, I do need to let you know our calls are recorded.","start":67.23,"end":69.71,"sentiment":"neutral","sentiment_score":0.014173962394980824},{"text":"And if I could, just get you confirmed security.","start":69.71,"end":71.39,"sentiment":"neutral","sentiment_score":0.05137755059533649},{"text":"It's full name, date of birth, and address.","start":71.39,"end":80.34499,"sentiment":"neutral","sentiment_score":0.03819889551959932},{"text":"Perfect.","start":80.34499,"end":80.84499,"sentiment":"neutral","sentiment_score":0.2978208363056183}],"sentiment":"neutral","sentiment_score":0.039826706689047184,"num_words":38,"start":66.270004,"end":80.84499},{"sentences":[{"text":"Okay.","start":81.384995,"end":81.865,"sentiment":"neutral","sentiment_score":0.14044880867004397},{"text":"So I've been working in the back end with Caden with regards to the claims.","start":81.865,"end":87.30499,"sentiment":"neutral","sentiment_score":0.1279128963748614},{"text":"I'm pretty across it.","start":87.30499,"end":88.8,"sentiment":"neutral","sentiment_score":0.13991475850343704},{"text":"With respect to where things fit.","start":90.48,"end":91.94,"sentiment":"neutral","sentiment_score":0.08383517960707347},{"text":"Now, ultimately speaking, Hub twenty four has approved the PI claim, which is ultimately the super funds equivalent to a TPD claim.","start":92.240005,"end":104.5,"sentiment":"neutral","sentiment_score":0.1157582930543206}],"sentiment":"neutral","sentiment_score":0.11809364194050431,"num_words":48,"start":81.384995,"end":104.5},{"sentences":[{"text":"And what that means is we can essentially withdraw some of the benefits under the actual account.","start":105.185,"end":110.885,"sentiment":"neutral","sentiment_score":0.08521477527478162},{"text":"Now there are a couple of considerations that we need to make.","start":111.105,"end":117.72,"sentiment":"neutral","sentiment_score":0.010916914325207472},{"text":"I'm Risa.","start":118.200005,"end":119.340004,"sentiment":"neutral","sentiment_score":0.01603513862937689},{"text":"One is that the superannuation benefit is actually taxable.","start":119.48,"end":127.9,"sentiment":"neutral","sentiment_score":-0.0036568251929970253},{"text":"So so what that means is we can pay up to 22%.","start":128.68001,"end":135.315,"sentiment":"neutral","sentiment_score":0.048039188608527184}],"sentiment":"neutral","sentiment_score":0.04144775510380546,"num_words":52,"start":105.185,"end":135.315},{"sentences":[{"text":"Now there is a kind of full calculation that can be done that is based on a few additional details that will enable us to kind of reduce the tax payable.","start":135.615,"end":150.54001,"sentiment":"neutral","sentiment_score":0.07413435859545585},{"text":"I wanted to confirm with you just to make sure I had the right details, because what I can do is go away and have a look at what tax payable would be applicable to the withdrawal would be.","start":152.12001,"end":163.30501,"sentiment":"neutral","sentiment_score":0.03672633367853287},{"text":"Because it's calculated as of the date we as of the date you the date you finished work, the your date of birth is at '65.","start":163.445,"end":177.5,"sentiment":"neutral","sentiment_score":0.020467366378467817},{"text":"So it's basically your birthday when you would intend to be five.","start":177.5,"end":180.87999,"sentiment":"neutral","sentiment_score":0.04718958834807078},{"text":"And, essentially, what what's referred to as the reference date of your account or eligible service date.","start":181.26,"end":189.985,"sentiment":"neutral","sentiment_score":0.042813857250353866}],"sentiment":"neutral","sentiment_score":0.04445403431355953,"num_words":125,"start":135.615,"end":189.985},{"sentences":[{"text":"Now the eligible service date is basically calculated in the back end of the super fund, and it'll be sort of the oldest date of either the first date you started working, the first date a superannuation account was opened, or the account in question was opened.","start":190.125,"end":206.75,"sentiment":"neutral","sentiment_score":0.06773156149590269},{"text":"Now the account with Hub twenty four was rolled over from your CareSuper account initially.","start":206.97,"end":214.475,"sentiment":"neutral","sentiment_score":0.09248946358760197},{"text":"So both of the accounts have the same eligible service date.","start":214.85501,"end":217.835,"sentiment":"neutral","sentiment_score":0.13038449090990153},{"text":"So I just wanted to, I guess, find out essentially how much you wanted to actually withdraw and, I guess, where things fit and what you're wanting to achieve for the long term.","start":219.095,"end":229.31,"sentiment":"positive","sentiment_score":0.3686984623923446},{"text":"Because there's, you know, acting now and withdrawing money now and depending on the service that you're intending for that money or the purpose that money is going to serve, there is then also on the other side of things, the longevity of the So I guess what's the goal with the withdrawal of funds is what we push it.","start":229.31,"end":252.335,"sentiment":"neutral","sentiment_score":0.18497312751909098}],"sentiment":"neutral","sentiment_score":0.17632766056760965,"num_words":166,"start":190.125,"end":252.335},{"sentences":[{"text":"No.","start":331.135,"end":331.535,"sentiment":"neutral","sentiment_score":-0.10871830582618712},{"text":"That's okay.","start":331.535,"end":332.275,"sentiment":"neutral","sentiment_score":0.041679421439766884},{"text":"They asked how much customer debt do you have?","start":332.495,"end":335.47,"sentiment":"neutral","sentiment_score":0.007827088857690493},{"text":"Yeah.","start":374.955,"end":375.455,"sentiment":"neutral","sentiment_score":-0.044558342546224594},{"text":"No.","start":375.595,"end":375.675,"sentiment":"neutral","sentiment_score":-0.3113831877708435}],"sentiment":"neutral","sentiment_score":-0.022204085253179073,"num_words":14,"start":331.135,"end":375.675},{"sentences":[{"text":"No.","start":375.675,"end":375.915,"sentiment":"negative","sentiment_score":-0.3664841651916504},{"text":"I I do get that.","start":375.915,"end":377.215,"sentiment":"neutral","sentiment_score":-0.30746687650680543},{"text":"Okay.","start":377.595,"end":378.095,"sentiment":"neutral","sentiment_score":-0.0015453919768333435},{"text":"So if you were to pay off the mortgage and do the rep in ten years or the virus now.","start":378.395,"end":389.86,"sentiment":"neutral","sentiment_score":-0.06906009018421173},{"text":"What's the figure that you would need?","start":390.56,"end":394.02,"sentiment":"neutral","sentiment_score":0.007280522026121616}],"sentiment":"neutral","sentiment_score":-0.09516476732952629,"num_words":34,"start":375.675,"end":394.02},{"sentences":[{"text":"Okay.","start":399.19998,"end":399.69998,"sentiment":"neutral","sentiment_score":0.035272371023893356},{"text":"Okay.","start":423.07,"end":423.57,"sentiment":"neutral","sentiment_score":0.0754176452755928},{"text":"Well, there's a couple of different I think I can definitely have a look at advice overall that would look into taxes applicable if we did a withdrawal, that uplift calculation that happened, which saves us paying a little bit less tax.","start":423.95,"end":440.16498,"sentiment":"neutral","sentiment_score":0.13111886710283302},{"text":"I can also have a look at comparing, you know, the money growth in your fund versus popping that money onto the mortgage and the differential or the sorry, difference that it has between so I guess those two avenues of investment versus, you know, interest payable and sort of provide that to have a bit more of a conversation and go from there.","start":441.80002,"end":474.39,"sentiment":"neutral","sentiment_score":0.08310260481084697},{"text":"Now that will take me a couple of weeks after you get me a loan, like, your your updated loan documents.","start":474.45,"end":480.69,"sentiment":"neutral","sentiment_score":0.08191416004583948}],"sentiment":"neutral","sentiment_score":0.0981119883990334,"num_words":129,"start":399.19998,"end":480.69},{"sentences":[{"text":"I need to know the details of the loan.","start":480.69,"end":482.21,"sentiment":"neutral","sentiment_score":0.044409339212709},{"text":"They for interest rate.","start":482.21,"end":485.745,"sentiment":"neutral","sentiment_score":0.09330785274505615},{"text":"That and, like, the the loan document doesn't, but if you want me to sort of, I guess, compare and give you actual advice on whether you should take the money out and put it on the mortgage or whether you should leave it in the fund to grow for the future, that's where that loan document comes in.","start":491.325,"end":510.315,"sentiment":"neutral","sentiment_score":0.10301523573570333},{"text":"The only thing I realistically need to be able to calculate the tax would be just confirming I know it's written in the document, but I always like to confirm.","start":510.555,"end":521.995,"sentiment":"neutral","sentiment_score":-0.030070801203449567},{"text":"And, honestly, I was just looking yesterday, so I can't quite remember the date right now.","start":521.995,"end":526.45,"sentiment":"neutral","sentiment_score":-0.04949775501154363}],"sentiment":"neutral","sentiment_score":0.043701069966211155,"num_words":118,"start":480.69,"end":526.45},{"sentences":[{"text":"But take a look at them again.","start":526.45,"end":528.23,"sentiment":"neutral","sentiment_score":-0.015556883865169116},{"text":"The date that you last what?","start":528.77,"end":530.63,"sentiment":"neutral","sentiment_score":0.010154789934555689},{"text":"Cool.","start":539.16504,"end":539.325,"sentiment":"neutral","sentiment_score":0.15058903396129608},{"text":"Not maybe.","start":539.325,"end":540.065,"sentiment":"neutral","sentiment_score":-0.0828360915184021},{"text":"Yeah.","start":561.97,"end":562.47,"sentiment":"neutral","sentiment_score":0.028444968163967133}],"sentiment":"neutral","sentiment_score":-0.0020357428447288625,"num_words":17,"start":526.45,"end":562.47},{"sentences":[{"text":"Okay.","start":565.275,"end":565.775,"sentiment":"neutral","sentiment_score":0.11252057552337646},{"text":"Cool.","start":567.435,"end":567.675,"sentiment":"neutral","sentiment_score":0.19152939319610596},{"text":"Alright.","start":567.675,"end":568.175,"sentiment":"neutral","sentiment_score":0.0948827862739563},{"text":"So no.","start":568.315,"end":569.59503,"sentiment":"neutral","sentiment_score":-0.009590912610292435},{"text":"That's okay.","start":569.59503,"end":570.335,"sentiment":"neutral","sentiment_score":-0.08543118461966515}],"sentiment":"neutral","sentiment_score":0.029841222933360508,"num_words":7,"start":565.275,"end":570.335},{"sentences":[{"text":"Yeah.","start":572.235,"end":572.715,"sentiment":"neutral","sentiment_score":-0.11261008679866792},{"text":"No.","start":572.715,"end":572.955,"sentiment":"neutral","sentiment_score":-0.2247162014245987},{"text":"No.","start":572.955,"end":573.115,"sentiment":"neutral","sentiment_score":-0.21681582927703855},{"text":"That's okay.","start":573.115,"end":573.675,"sentiment":"neutral","sentiment_score":-0.11136139556765556},{"text":"I may may ring the bell, so that's alright.","start":573.675,"end":575.935,"sentiment":"neutral","sentiment_score":-0.0678294984002908}],"sentiment":"neutral","sentiment_score":-0.09909502815987382,"num_words":14,"start":572.235,"end":575.935},{"sentences":[{"text":"And outside of that, what I will do is I can do the math calculation.","start":577.38,"end":584.34,"sentiment":"neutral","sentiment_score":-0.058763489872217176},{"text":"It is a little bit of a complex math calculation, and I do have a bit of a backlog day today.","start":584.34,"end":590.44,"sentiment":"neutral","sentiment_score":-0.12072267152723812},{"text":"But would you be okay if I send you an email with, I guess, the applicable tax rate for the account?","start":591.485,"end":597.665,"sentiment":"neutral","sentiment_score":0.09332505524868057},{"text":"Yes.","start":637.24,"end":637.74,"sentiment":"neutral","sentiment_score":0.08799710869789124},{"text":"Yes.","start":639.08,"end":639.56,"sentiment":"neutral","sentiment_score":0.1041022092103958}],"sentiment":"neutral","sentiment_score":-0.02143564359363863,"num_words":59,"start":577.38,"end":639.56},{"sentences":[{"text":"And that would have the same applicable tax payable.","start":639.56,"end":644.22003,"sentiment":"neutral","sentiment_score":0.1216803855366177},{"text":"I guess there is sorry?","start":645.88,"end":658.275,"sentiment":"neutral","sentiment_score":-0.05128622055053711},{"text":"Do you know who led you to believe that?","start":658.415,"end":661.11,"sentiment":"neutral","sentiment_score":-0.21847732861836752},{"text":"No.","start":677.35504,"end":677.755,"sentiment":"neutral","sentiment_score":-0.25045666098594666},{"text":"That's okay.","start":677.755,"end":678.575,"sentiment":"neutral","sentiment_score":-0.14958889037370682}],"sentiment":"neutral","sentiment_score":-0.06450915508545361,"num_words":26,"start":639.56,"end":678.575},{"sentences":[{"text":"TPD, when paid by super so TPD and permanent incapacity are essentially the same thing.","start":679.43506,"end":685.455,"sentiment":"neutral","sentiment_score":-0.09837526629368464},{"text":"It means that you're never able to work.","start":686.075,"end":688.255,"sentiment":"neutral","sentiment_score":-0.09975330345332623},{"text":"The only difference is TPD or total payment facility is a definition used by an insurer, and PI or permanent incapacity is a definition used by a super fund.","start":688.55505,"end":698.98004,"sentiment":"neutral","sentiment_score":-0.05543354680312091},{"text":"Now your TPD, the actual insurance benefit that you pay a premium for, is owned by a super fund, which means it actually has to meet both a TPD and a PI definition, which essentially, if you meet a TPD definition, you have met a PI But the hub twenty four PI claim's obviously gone through.","start":699.2,"end":725.16003,"sentiment":"neutral","sentiment_score":0.014666847086378507},{"text":"It's a caregiver, which I know that Caden spoke to you yesterday yesterday about going to the your doctor, getting an updated medical certificate.","start":725.78,"end":740.205,"sentiment":"neutral","sentiment_score":0.05155246045129994}],"sentiment":"neutral","sentiment_score":-0.01380777114889387,"num_words":132,"start":679.43506,"end":740.205},{"sentences":[{"text":"Yeah.","start":757.94,"end":758.18,"sentiment":"neutral","sentiment_score":0.01254107616841793},{"text":"Yeah.","start":758.18,"end":758.58,"sentiment":"neutral","sentiment_score":-0.00005063973367214203},{"text":"She's she's, I guess, being a little bit ambiguous with the the care through the form and a little bit more, like, nope.","start":758.58,"end":765.145,"sentiment":"neutral","sentiment_score":-0.19230743691973065},{"text":"Yeah.","start":765.145,"end":765.645,"sentiment":"neutral","sentiment_score":-0.026950590312480927},{"text":"And it's also a little bit of a time between the two.","start":766.10504,"end":768.92505,"sentiment":"neutral","sentiment_score":-0.178366671888701}],"sentiment":"neutral","sentiment_score":-0.1731034543604198,"num_words":38,"start":757.94,"end":768.92505},{"sentences":[{"text":"So it's totally understandable, you know, as your medical case evolve, new things coming to play.","start":769.30505,"end":774.98,"sentiment":"neutral","sentiment_score":-0.19601176120340824},{"text":"So Not They yeah.","start":780.4,"end":793.055,"sentiment":"negative","sentiment_score":-0.488020621240139},{"text":"They require their own phone.","start":793.055,"end":794.515,"sentiment":"negative","sentiment_score":-0.6386688232421875},{"text":"Be here forever.","start":801.25,"end":802.05,"sentiment":"neutral","sentiment_score":-0.15049459288517633},{"text":"No.","start":802.05,"end":802.21,"sentiment":"neutral","sentiment_score":-0.29995816946029663}],"sentiment":"neutral","sentiment_score":-0.3114847147773052,"num_words":29,"start":769.30505,"end":802.21},{"sentences":[{"text":"I know.","start":802.21,"end":802.79,"sentiment":"neutral","sentiment_score":-0.3034328520298004},{"text":"Yeah.","start":809.01,"end":809.41,"sentiment":"neutral","sentiment_score":-0.13690046966075897},{"text":"No.","start":809.41,"end":809.65,"sentiment":"neutral","sentiment_score":-0.30435481667518616},{"text":"No.","start":809.65,"end":809.89,"sentiment":"neutral","sentiment_score":-0.29073238372802734},{"text":"I I do get it.","start":809.89,"end":811.11,"sentiment":"neutral","sentiment_score":-0.20869463086128234}],"sentiment":"neutral","sentiment_score":-0.2382326528429985,"num_words":10,"start":802.21,"end":811.11},{"sentences":[{"text":"So I guess, essentially speaking, if you're wanting to make a more immediate withdrawal, that would come under what industry known as an execution order.","start":811.81,"end":825.575,"sentiment":"neutral","sentiment_score":-0.12889549046754836},{"text":"So you would basically instruct me to execute a withdrawal for you.","start":825.795,"end":831.42004,"sentiment":"neutral","sentiment_score":-0.15511807116369405},{"text":"It means that I'm not giving you advice.","start":831.42004,"end":833.2,"sentiment":"neutral","sentiment_score":-0.23617324978113174},{"text":"I'm giving you general information and that I've done for But I'm not advising you how much, where to sell it from.","start":833.26,"end":841.92004,"sentiment":"neutral","sentiment_score":-0.30037894167683343},{"text":"If you do want to look at advice where we consider longevity, we consider the mortgage, we consider your last income, we can look at all of it to see how we're going to fund things moving forward, we can definitely do that, and we can pick that up at any time that you're wanting to sort of look at it.","start":843.795,"end":862.73,"sentiment":"neutral","sentiment_score":0.3266320317739346}],"sentiment":"neutral","sentiment_score":0.04955489927669987,"num_words":128,"start":811.81,"end":862.73},{"sentences":[{"text":"One of the things that I can see, and this is all obviously depending on CareSuper accepting the claim, is that what's gonna happen with the TPD claim is once it's approved, the TPD amount will be released from MetLife, who is the insurer, and that gets released into the CareSuper super account.","start":864.15,"end":885.91003,"sentiment":"neutral","sentiment_score":0.10018968532951374},{"text":"Yeah.","start":889.65,"end":890.15,"sentiment":"neutral","sentiment_score":0.07453944534063339},{"text":"Yeah.","start":890.37,"end":890.77,"sentiment":"neutral","sentiment_score":0.09755492210388184},{"text":"Because, like, the CareSuper account is actually the owner.","start":890.77,"end":893.49005,"sentiment":"neutral","sentiment_score":0.08708012683524026},{"text":"You're the life insured.","start":893.49005,"end":894.63,"sentiment":"neutral","sentiment_score":0.08122370950877666}],"sentiment":"neutral","sentiment_score":0.09692299513913252,"num_words":68,"start":864.15,"end":894.63},{"sentences":[{"text":"So they pay the owner of the account.","start":895.765,"end":897.78503,"sentiment":"neutral","sentiment_score":0.12723099160939455},{"text":"What we could do from there is there's a couple of different avenues.","start":898.72504,"end":901.705,"sentiment":"neutral","sentiment_score":0.20275734594235054},{"text":"Because once your TPD payment will be paid, you'll have no other insurance in the account to be claimed.","start":902.405,"end":908.505,"sentiment":"neutral","sentiment_score":0.14643220015262304},{"text":"We could actually roll that account over into Hub twenty four account, obviously, providing the numbers will match up and everything looks good, and we could just consolidate the one account and invest under that account moving forward.","start":909.08997,"end":920.14996,"sentiment":"neutral","sentiment_score":0.28441943581167023},{"text":"Because your Care Super account was literally an insurance.","start":920.865,"end":923.605,"sentiment":"neutral","sentiment_score":-0.1747600817018085}],"sentiment":"neutral","sentiment_score":0.18012647193738784,"num_words":87,"start":895.765,"end":923.605},{"sentences":[{"text":"Which is fine.","start":952.59503,"end":953.315,"sentiment":"neutral","sentiment_score":0.2783186435699463},{"text":"Yeah.","start":953.315,"end":953.815,"sentiment":"positive","sentiment_score":0.3517017960548401},{"text":"So with your Care Superfund, the life and the TPD insurance, they're actually linked.","start":970.0,"end":979.275,"sentiment":"neutral","sentiment_score":0.2774257926004274},{"text":"So it means that if you upon the approval of the TPD benefit, it will reduce the life benefit by the amount of TPD paid, which essentially means that your PPD policy is going to reduce your life benefit to zero.","start":980.075,"end":1001.70996,"sentiment":"neutral","sentiment_score":-0.2807388465578963},{"text":"Mhmm.","start":1003.85,"end":1004.295,"sentiment":"neutral","sentiment_score":-0.10851258039474489}],"sentiment":"neutral","sentiment_score":-0.10913644110163052,"num_words":60,"start":952.59503,"end":1004.295},{"sentences":[{"text":"We can always claim it out so that way you no longer pay the premium because then it's no longer a costing code to you.","start":1017.495,"end":1024.0801,"sentiment":"neutral","sentiment_score":0.2537813872098923},{"text":"We ensure that we keep the that amount of money sitting in your super fund because then it's no longer an insurance claim.","start":1024.38,"end":1032.64,"sentiment":"positive","sentiment_score":0.36755335136600165},{"text":"It's your money.","start":1033.105,"end":1034.6449,"sentiment":"positive","sentiment_score":0.46879492203394574},{"text":"You've met a condition of relief.","start":1035.265,"end":1036.885,"sentiment":"positive","sentiment_score":0.39512338240941364},{"text":"We just be smart with what we release, and you make sure that you we keep that money set aside with the intended purpose of it being a life benefit.","start":1037.265,"end":1045.32,"sentiment":"neutral","sentiment_score":0.23538282190759977}],"sentiment":"neutral","sentiment_score":0.2946766836718581,"num_words":87,"start":1017.495,"end":1045.32},{"sentences":[{"text":"No.","start":1046.5199,"end":1046.7599,"sentiment":"neutral","sentiment_score":-0.18538090586662292},{"text":"That's it.","start":1046.7599,"end":1047.1599,"sentiment":"neutral","sentiment_score":-0.1484476998448372},{"text":"I'm I'm just spitballing.","start":1047.1599,"end":1048.5399,"sentiment":"neutral","sentiment_score":-0.0893751997500658},{"text":"Exactly.","start":1058.125,"end":1058.445,"sentiment":"neutral","sentiment_score":-0.0002708720858208835},{"text":"Rather than the life insurance benefits that's under care super.","start":1058.445,"end":1062.145,"sentiment":"neutral","sentiment_score":-0.12694530114531516}],"sentiment":"neutral","sentiment_score":-0.11719449933864073,"num_words":18,"start":1046.5199,"end":1062.145},{"sentences":[{"text":"Don't quote me, but I was reading the PDF the other month, and I'm quite sure it's actually a decreasing benefit.","start":1062.365,"end":1071.645,"sentiment":"neutral","sentiment_score":-0.20856114228566489},{"text":"So as you get older, the amount gets lower.","start":1071.645,"end":1074.05,"sentiment":"neutral","sentiment_score":-0.27218683395120835},{"text":"I'd have to look at it again to confirm what those step downs are.","start":1074.1901,"end":1078.6901,"sentiment":"neutral","sentiment_score":-0.055734148648168357},{"text":"But at least we we we lock it we are locking the claim amount now.","start":1079.0701,"end":1083.39,"sentiment":"neutral","sentiment_score":0.0006815450886885325},{"text":"Again, I'm I'm just exploring and talking to you as I go through near on the firing, so to speak.","start":1083.39,"end":1090.625,"sentiment":"neutral","sentiment_score":0.019989085011184217}],"sentiment":"neutral","sentiment_score":-0.09113593288709092,"num_words":79,"start":1062.365,"end":1090.625},{"sentences":[{"text":"So it's just it's kind of options that are available to us.","start":1091.325,"end":1095.505,"sentiment":"neutral","sentiment_score":0.023336603306233883},{"text":"The claim to TPD is already sitting there, so it is an avenue we could we can go through.","start":1095.725,"end":1102.6799,"sentiment":"neutral","sentiment_score":-0.024291212033284337},{"text":"It's just all of this is, I guess, depending on what you want.","start":1102.74,"end":1106.7599,"sentiment":"neutral","sentiment_score":0.029812983595407926},{"text":"So you do have the a real life insurance benefit as well.","start":1107.0599,"end":1110.6,"sentiment":"neutral","sentiment_score":0.2765556151668231},{"text":"So that that obviously gives you reassurance that there is insurance there too.","start":1112.5,"end":1119.6549,"sentiment":"neutral","sentiment_score":0.2764854511389366}],"sentiment":"neutral","sentiment_score":0.1031746847042139,"num_words":69,"start":1091.325,"end":1119.6549},{"sentences":[{"text":"Yes.","start":1142.38,"end":1142.715,"sentiment":"neutral","sentiment_score":0.13322725892066956},{"text":"And and definitely something we can look at future leading.","start":1142.955,"end":1146.495,"sentiment":"neutral","sentiment_score":0.14107464402914047},{"text":"The the last certificate of current day I have for your real life cover was back in twenty twenty twenty twenty four.","start":1147.395,"end":1155.615,"sentiment":"neutral","sentiment_score":0.1187202354723757},{"text":"So it's a couple years old, but it's sitting at $268,000 on that life benefit.","start":1156.2201,"end":1162.7201,"sentiment":"neutral","sentiment_score":0.10432518993814786},{"text":"So you've you've still got that money sitting there as well in terms of insurance, if anything goes.","start":1166.14,"end":1172.335,"sentiment":"neutral","sentiment_score":0.2460453998711374}],"sentiment":"neutral","sentiment_score":0.15378051403571258,"num_words":66,"start":1142.38,"end":1172.335},{"sentences":[{"text":"Yeah.","start":1195.78,"end":1196.115,"sentiment":"neutral","sentiment_score":0.2181534469127655},{"text":"Absolutely.","start":1196.355,"end":1196.855,"sentiment":"positive","sentiment_score":0.3786226511001587},{"text":"And it's a perfectly valid strategy that we could look to implement.","start":1196.8617,"end":1201.475,"sentiment":"positive","sentiment_score":0.40276118119557697},{"text":"It's just totally I mean, it does sound really good, but but, like, I'd look like to actually look at, you know, how it works on, like, the longevity services and and what we could do future leading.","start":1201.475,"end":1214.84,"sentiment":"neutral","sentiment_score":0.25497783289143916},{"text":"It's just, I guess, depending on whether you wanna look at doing all this now or whether you just wanna try and get through the claims, get a little bit of money withdrawn if, you know, you're comfortable, and then pick up a.","start":1214.84,"end":1227.935,"sentiment":"neutral","sentiment_score":0.1434422206393508}],"sentiment":"neutral","sentiment_score":0.22407456220764863,"num_words":95,"start":1195.78,"end":1227.935},{"sentences":[{"text":"Yeah.","start":1253.025,"end":1253.525,"sentiment":"neutral","sentiment_score":-0.06747564673423767},{"text":"Yeah.","start":1285.2949,"end":1285.7949,"sentiment":"neutral","sentiment_score":-0.06874781847000122},{"text":"Yeah.","start":1286.85,"end":1287.085,"sentiment":"neutral","sentiment_score":-0.021747756749391556},{"text":"You you Yes.","start":1287.085,"end":1294.79,"sentiment":"neutral","sentiment_score":-0.017715084676941235},{"text":"Yeah.","start":1314.5651,"end":1315.02,"sentiment":"neutral","sentiment_score":-0.043569743633270264}],"sentiment":"neutral","sentiment_score":-0.036383745659674914,"num_words":7,"start":1253.025,"end":1315.02},{"sentences":[{"text":"And it it would just, I guess, depend on the timeline that that actually is executed and and how the liquidation looks.","start":1315.5,"end":1323.66,"sentiment":"neutral","sentiment_score":-0.031286802142858505},{"text":"But, yeah, it's definitely something we can when you're in the headspace headspace to do it.","start":1323.66,"end":1330.245,"sentiment":"neutral","sentiment_score":-0.030865203705616295},{"text":"Yeah.","start":1337.365,"end":1337.865,"sentiment":"neutral","sentiment_score":-0.08289507776498795},{"text":"No.","start":1338.885,"end":1339.125,"sentiment":"neutral","sentiment_score":-0.1975099891424179},{"text":"That's completely fair.","start":1339.125,"end":1340.585,"sentiment":"neutral","sentiment_score":-0.3070891002813975}],"sentiment":"neutral","sentiment_score":-0.055437797074054565,"num_words":43,"start":1315.5,"end":1340.585},{"sentences":[{"text":"Yeah.","start":1346.02,"end":1346.26,"sentiment":"neutral","sentiment_score":0.01243346557021141},{"text":"That's completely fair.","start":1346.26,"end":1347.54,"sentiment":"neutral","sentiment_score":0.056741694609324135},{"text":"Absolutely.","start":1347.54,"end":1348.04,"sentiment":"neutral","sentiment_score":0.06531718373298645},{"text":"No.","start":1350.5,"end":1351.0,"sentiment":"neutral","sentiment_score":-0.06469813734292984},{"text":"Yeah.","start":1356.9,"end":1357.4,"sentiment":"neutral","sentiment_score":0.017682159319519997}],"sentiment":"neutral","sentiment_score":0.028708536443965777,"num_words":7,"start":1346.02,"end":1357.4},{"sentences":[{"text":"Yeah.","start":1371.715,"end":1372.215,"sentiment":"neutral","sentiment_score":-0.004203192889690399},{"text":"Yeah, man.","start":1374.25,"end":1374.73,"sentiment":"neutral","sentiment_score":-0.14942799508571625},{"text":"No.","start":1374.73,"end":1374.97,"sentiment":"neutral","sentiment_score":-0.14352595806121826},{"text":"Absolutely.","start":1374.97,"end":1375.47,"sentiment":"neutral","sentiment_score":0.06376004964113235},{"text":"I'll what I'll do is I will calculate what the tax uplift would be, and then I will try and break that down in a simple layman's terms as possible.","start":1375.53,"end":1386.51,"sentiment":"neutral","sentiment_score":0.046205482569833596}],"sentiment":"neutral","sentiment_score":0.028666839588965688,"num_words":35,"start":1371.715,"end":1386.51},{"sentences":[{"text":"And and we can go from there.","start":1388.615,"end":1391.035,"sentiment":"neutral","sentiment_score":0.1946468608719962},{"text":"That's okay.","start":1393.335,"end":1394.0549,"sentiment":"positive","sentiment_score":0.5081377029418945},{"text":"Alright.","start":1394.0549,"end":1394.455,"sentiment":"positive","sentiment_score":0.4246724545955658},{"text":"Perfect.","start":1394.455,"end":1394.855,"sentiment":"positive","sentiment_score":0.6879642009735107},{"text":"I'll get cracking, and I'll get back to you by Monday.","start":1394.855,"end":1397.655,"sentiment":"neutral","sentiment_score":0.33075306903232227}],"sentiment":"neutral","sentiment_score":0.32407835667783563,"num_words":22,"start":1388.615,"end":1397.655},{"sentences":[{"text":"K k?","start":1397.655,"end":1398.395,"sentiment":"neutral","sentiment_score":0.08074114099144936},{"text":"That's okay, ma'am.","start":1401.96,"end":1402.9199,"sentiment":"positive","sentiment_score":0.6490002473195394},{"text":"Not a problem at all.","start":1402.9199,"end":1403.5599,"sentiment":"positive","sentiment_score":0.4883051812648773},{"text":"If you have any other questions, give me a callback.","start":1403.5599,"end":1405.34,"sentiment":"neutral","sentiment_score":0.24385921955108641},{"text":"Thanks.","start":1407.88,"end":1408.38,"sentiment":"positive","sentiment_score":0.6565932035446167}],"sentiment":"positive","sentiment_score":0.36405687282482785,"num_words":21,"start":1397.655,"end":1408.38},{"sentences":[{"text":"Bye.","start":1408.44,"end":1408.94,"sentiment":"positive","sentiment_score":0.37373122572898865}],"sentiment":"positive","sentiment_score":0.37373122572898865,"num_words":1,"start":1408.44,"end":1408.94}]}}]},{"alternatives":[{"transcript":"Hello? Hello? Good. Thank you. How are you? Yeah. No. None of us are combined on a Friday. That's for sure. Yes. I'll try again. Far out. It keeps connecting to a Bluetooth device. I've turned my Bluetooth off now. Yeah. We're all good. Sorry about that. Mark Gregory Hill. Forty eleven seventy five. 67 Foster Street, Rownton, Tas. Yep. Yes. Yes. Yep. Yeah. And I yep. Yes. Okay. Yes. Yep. Yep. Yep. Correct. Yeah. Understand. Yep. I guess there would be some things I could I could use for living money, essentially, because my wife's working at the moment, and I'm currently not working. And I am on a job seeker payment, which because I haven't even been approved for a disability payment, which I've never had any type of government assistance payment in my life ever. And she gets a carer's allowance for me, which she gets a bigger payment than I do. So, essentially, some weeks, I can get I think I've only ever received one full payment of $726 for the fortnight, and the rest of the time has been based on whatever she earning, because she's limited to what she can earn because she doesn't want to affect my health care card or any of that type of stuff, which is reasonable and fair. So I've gotta assess whether I use some of that money to either pay off a small amount of personal debt or use it as living money or actually take a holiday, which I've never had, and just enjoy it. I'm not not a 100% sure, really. We've only got our house loan, but there are a couple of things we wanted to do because we've we before I got sick, we built a new home, and there are a couple of things I'd like to do just to finish off outside, you know, like, essentially, some stuff in our shed, which keeps me occupied as a hobby. I mean, I don't know. It's it's just a really hard call at the end of the day. We'd I don't know. I really don't know what if I could spend it on a million things. Don't get me wrong, but I need to make the priority the right choice. You know what I mean? Yep. Yep. Oh, yeah. I mean, well, over and above what I've got in the super, unfortunately. Yeah. I'm just talking that I could reduce some of it or just keep it simply for living money and use it to make the current payments and take some financial pressure off my wife for a few months, twelve months, or whatever. Like, I don't even know if it's the right thing to take 50,000 or 80,000 and leave a surplus in there, or I don't really know what the right answer is. Yep. Yep. Yeah. Yeah. I'm the same. Yep. And and and all this information determines the tax payable on the the withdrawal. Was that what the point you're trying to make? Yeah. I understand. No. That's okay. Oh, it was March 2025. So the date the date I was diagnosed with the tumor was, like, literally the very next morning or that day, I had the the MRI. They rang me and said you will not leave home. You will be accompanied by a carer or your partner at all times, and you are not to drive, go to work, do anything from this day forward. And, obviously, I haven't been employed since. Yep. Please. Yep. Because that'll that'll give me a determination, like, I'll talk to my partner about it, whether we take a certain amount to to do exactly what we've never well, we did. We went for a holiday last year, and we've that's the first one in in all our years. Like, we've never been able to actually live life and enjoy stress free. Well, you know, we just need to talk about how much we're gonna consider taking out, whether we take the lot, for example, or we just and just leave or take a a portion of it. I'm I'm still undecided, to be fair. Because, of course, the TPD claim is also still in motion as well, so there's that opportunity too. I've always to I was led to believe that it was actually tax free, that TPD insurance claim. I I think Kaiden might have mentioned it, but I'm not throwing him under the bus. Don't get me wrong, but I was led to believe that the TPD pay payout is a tax free payment. I I I could be very much mistaken. I'm not sure. Okay. Okay. Yep. Yep. Yes. Correct. Because the form changed. Yeah. She's put two different forms in. One was at an earlier date, and now she's re reentered the second one, which is more it's got more definition than the previous, which obviously gave the hub twenty four approval, if that makes sense. Yes. Yep. Yeah. I know. It's just so difficult. And I'll tell you what, the whole situation is extremely frustrating because even those forms won't allow me like, Send a link, so to speak, won't even accept those to to give me a a disability payment for goodness sake, which is completely ridiculous. Like, anyway, we're not going on about that because they were to just yeah. It's in that's in storage for another day, but I I can't see the logic if if you understand where I'm coming from. Yep. Understand. Yep. Yep. Yeah. I understand. Yep. Yep. Yep. Oh, is that how it works? I wonder. Yeah. Yes. No. Yep. Basically, yeah, because I still hold a current life insurance policy against that too because, sadly, I I wish I'd have come across you guys at hub at Oakview prior to me being diagnosed because now I have no other insurance cover because of my condition. Luckily, I do have another life insurance policy with Real as well, which is prior to the incident. So I have two life insurance policies, which is which is a good amount of money that could help either my wife or, you know, if sadly, if anything did go wrong, they still exist, and that's really important to me for for the family. Right. Didn't know that. Do you know what I recommend? Staking jam CPD and leave it there as a as a life so that I didn't know that. That needs to stay there then, and all that amount needs to stay as a life insurance policy in my opinion. Okay. Yeah. No. I didn't think of it like that either. That sense. Yeah. Yeah. So that that makes sense. So the money still exists. So just it'll just remain in a super, and potentially, it may even actually grow a little bit. Yep. Broad. Okay. Broad. That makes sense. Yep. Yep. I'm the same. Yep. Yep. Because yeah. I understand. And it's not gonna decrease that section of it anyway at a minimum. Yeah. Because I own a business that I can't work in, obviously, and I'll have equipment and assets that I'll be able to sell off. So I'll be able to contribute to that super fund as a personal contribution down the track as well, you know, depending on the situation. Yep. Yep. Yes. Yes. For sure. Yeah. But if I can get a a lot more value out of the life by the TPD claim being approved, sit that aside, leave that untouched, and then some assets of mine in the future that I can discard or can make personal contribution moving forward so that adds to the life insurance for the family. You know what I mean? Yep. Yep. I think so. Yeah. I think that's step one. And then once I'll move forward because some of this equipment's still working with people on it. You know? It's still generating a business it's keeping the business alive. Unfortunately, me being missing a link out of the business that I've ran for fifteen years, that's also taken a lot of the cream off the pie because when you're an owner operator, obviously, that you're working essentially for every dollar that you earn pretty much with that machine or piece of plant or truck or whatever it may have been. It it doesn't incur it only incurs a minimal wage if you choose to do so, an insurance benefit, obviously, for workers' compensation public liability, fuel expenses, and wear and tear, but I can essentially be a cheap or zero wage in some regard, and that money can go into the business and be saved and benefit the business moving forward. Where, unfortunately, I don't have that option anymore. You know what I mean? It's it's like you're employing a cleaner when you could clean yourself with no no cost. If it that's in in simple layman's terms. You know what I mean? So the business has lost a little bit by me not being able to be in control of it to the degree I used to be. So, essentially, an asset or two maybe ought to be sold off, and some of that can be reinvested. Yes. Correct. Yeah. To get me head around it because I'm still not I'm still too proud to even get rid of anything at this point. Like anyway, let's not dwell on that. I've dwelled on that for the last fourteen to sixteen months. But, anyway if you if you're willing to email me some information regarding tax rates on amounts, etcetera, and I can talk to my partner and figure out what a number would be that we could utilize to actually live a little bit of life because this has been a big upside down turning in our lives, to be honest. Like, it's really yeah. It's been been challenging. Yep. Yep. Awesome. Thank you. No worries at all. Thank you so much. I really appreciate it. No worries at all. Thank you. 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Hello? Good. Thank you. How are you?\n\nYeah. No. None of us are combined on a Friday. That's for sure. Yes.\n\nI'll try again. Far out. It keeps connecting to a Bluetooth device. I've turned my Bluetooth off now. Yeah.\n\nWe're all good. Sorry about that. Mark Gregory Hill. Forty eleven seventy five. 67 Foster Street, Rownton, Tas.\n\nYep. Yes. Yes. Yep. Yeah.\n\nAnd I yep. Yes. Okay. Yes. Yep.\n\nYep. Yep. Correct. Yeah. Understand.\n\nYep. I guess there would be some things I could I could use for living money, essentially, because my wife's working at the moment, and I'm currently not working. And I am on a job seeker payment, which because I haven't even been approved for a disability payment, which I've never had any type of government assistance payment in my life ever. And she gets a carer's allowance for me, which she gets a bigger payment than I do. So, essentially, some weeks, I can get I think I've only ever received one full payment of $726 for the fortnight, and the rest of the time has been based on whatever she earning, because she's limited to what she can earn because she doesn't want to affect my health care card or any of that type of stuff, which is reasonable and fair.\n\nSo I've gotta assess whether I use some of that money to either pay off a small amount of personal debt or use it as living money or actually take a holiday, which I've never had, and just enjoy it. I'm not not a 100% sure, really. We've only got our house loan, but there are a couple of things we wanted to do because we've we before I got sick, we built a new home, and there are a couple of things I'd like to do just to finish off outside, you know, like, essentially, some stuff in our shed, which keeps me occupied as a hobby. I mean, I don't know. It's it's just a really hard call at the end of the day.\n\nWe'd I don't know. I really don't know what if I could spend it on a million things. Don't get me wrong, but I need to make the priority the right choice. You know what I mean? Yep.\n\nYep. Oh, yeah. I mean, well, over and above what I've got in the super, unfortunately. Yeah. I'm just talking that I could reduce some of it or just keep it simply for living money and use it to make the current payments and take some financial pressure off my wife for a few months, twelve months, or whatever.\n\nLike, I don't even know if it's the right thing to take 50,000 or 80,000 and leave a surplus in there, or I don't really know what the right answer is. Yep. Yep. Yeah. Yeah.\n\nI'm the same. Yep. And and and all this information determines the tax payable on the the withdrawal. Was that what the point you're trying to make? Yeah.\n\nI understand. No. That's okay. Oh, it was March 2025. So the date the date I was diagnosed with the tumor was, like, literally the very next morning or that day, I had the the MRI.\n\nThey rang me and said you will not leave home. You will be accompanied by a carer or your partner at all times, and you are not to drive, go to work, do anything from this day forward. And, obviously, I haven't been employed since. Yep. Please.\n\nYep. Because that'll that'll give me a determination, like, I'll talk to my partner about it, whether we take a certain amount to to do exactly what we've never well, we did. We went for a holiday last year, and we've that's the first one in in all our years. Like, we've never been able to actually live life and enjoy stress free. Well, you know, we just need to talk about how much we're gonna consider taking out, whether we take the lot, for example, or we just and just leave or take a a portion of it.\n\nI'm I'm still undecided, to be fair. Because, of course, the TPD claim is also still in motion as well, so there's that opportunity too. I've always to I was led to believe that it was actually tax free, that TPD insurance claim. I I think Kaiden might have mentioned it, but I'm not throwing him under the bus. Don't get me wrong, but I was led to believe that the TPD pay payout is a tax free payment.\n\nI I I could be very much mistaken. I'm not sure. Okay. Okay. Yep.\n\nYep. Yes. Correct. Because the form changed. Yeah.\n\nShe's put two different forms in. One was at an earlier date, and now she's re reentered the second one, which is more it's got more definition than the previous, which obviously gave the hub twenty four approval, if that makes sense. Yes. Yep. Yeah.\n\nI know. It's just so difficult. And I'll tell you what, the whole situation is extremely frustrating because even those forms won't allow me like, Send a link, so to speak, won't even accept those to to give me a a disability payment for goodness sake, which is completely ridiculous. Like, anyway, we're not going on about that because they were to just yeah. It's in that's in storage for another day, but I I can't see the logic if if you understand where I'm coming from.\n\nYep. Understand. Yep. Yep. Yeah.\n\nI understand. Yep. Yep. Yep. Oh, is that how it works?\n\nI wonder. Yeah. Yes. No. Yep.\n\nBasically, yeah, because I still hold a current life insurance policy against that too because, sadly, I I wish I'd have come across you guys at hub at Oakview prior to me being diagnosed because now I have no other insurance cover because of my condition. Luckily, I do have another life insurance policy with Real as well, which is prior to the incident. So I have two life insurance policies, which is which is a good amount of money that could help either my wife or, you know, if sadly, if anything did go wrong, they still exist, and that's really important to me for for the family. Right. Didn't know that.\n\nDo you know what I recommend? Staking jam CPD and leave it there as a as a life so that I didn't know that. That needs to stay there then, and all that amount needs to stay as a life insurance policy in my opinion. Okay. Yeah.\n\nNo. I didn't think of it like that either. That sense. Yeah. Yeah.\n\nSo that that makes sense. So the money still exists. So just it'll just remain in a super, and potentially, it may even actually grow a little bit. Yep. Broad.\n\nOkay. Broad. That makes sense. Yep. Yep.\n\nI'm the same. Yep. Yep. Because yeah. I understand.\n\nAnd it's not gonna decrease that section of it anyway at a minimum. Yeah. Because I own a business that I can't work in, obviously, and I'll have equipment and assets that I'll be able to sell off. So I'll be able to contribute to that super fund as a personal contribution down the track as well, you know, depending on the situation. Yep.\n\nYep. Yes. Yes. For sure. Yeah.\n\nBut if I can get a a lot more value out of the life by the TPD claim being approved, sit that aside, leave that untouched, and then some assets of mine in the future that I can discard or can make personal contribution moving forward so that adds to the life insurance for the family. You know what I mean? Yep. Yep. I think so.\n\nYeah. I think that's step one. And then once I'll move forward because some of this equipment's still working with people on it. You know? It's still generating a business it's keeping the business alive.\n\nUnfortunately, me being missing a link out of the business that I've ran for fifteen years, that's also taken a lot of the cream off the pie because when you're an owner operator, obviously, that you're working essentially for every dollar that you earn pretty much with that machine or piece of plant or truck or whatever it may have been. It it doesn't incur it only incurs a minimal wage if you choose to do so, an insurance benefit, obviously, for workers' compensation public liability, fuel expenses, and wear and tear, but I can essentially be a cheap or zero wage in some regard, and that money can go into the business and be saved and benefit the business moving forward. Where, unfortunately, I don't have that option anymore. You know what I mean? It's it's like you're employing a cleaner when you could clean yourself with no no cost.\n\nIf it that's in in simple layman's terms. You know what I mean? So the business has lost a little bit by me not being able to be in control of it to the degree I used to be. So, essentially, an asset or two maybe ought to be sold off, and some of that can be reinvested. Yes.\n\nCorrect. Yeah. To get me head around it because I'm still not I'm still too proud to even get rid of anything at this point. Like anyway, let's not dwell on that. I've dwelled on that for the last fourteen to sixteen months.\n\nBut, anyway if you if you're willing to email me some information regarding tax rates on amounts, etcetera, and I can talk to my partner and figure out what a number would be that we could utilize to actually live a little bit of life because this has been a big upside down turning in our lives, to be honest. Like, it's really yeah. It's been been challenging. Yep. Yep.\n\nAwesome. Thank you. No worries at all. Thank you so much. I really appreciate it.\n\nNo worries at all. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":3.1999998,"end":3.6999998,"sentiment":"neutral","sentiment_score":0.027348127216100693},{"text":"Hello?","start":5.52,"end":6.02,"sentiment":"neutral","sentiment_score":0.06885164231061935},{"text":"Good.","start":8.4,"end":8.559999,"sentiment":"positive","sentiment_score":0.6077088117599487},{"text":"Thank you.","start":8.559999,"end":9.2,"sentiment":"positive","sentiment_score":0.6269739270210266},{"text":"How are you?","start":9.2,"end":10.0199995,"sentiment":"positive","sentiment_score":0.3670816520849864}],"sentiment":"positive","sentiment_score":0.38238767394796014,"num_words":8,"start":3.1999998,"end":10.0199995},{"sentences":[{"text":"Yeah.","start":13.684999,"end":13.844999,"sentiment":"neutral","sentiment_score":0.05440300703048706},{"text":"No.","start":13.844999,"end":14.004999,"sentiment":"neutral","sentiment_score":-0.0852847695350647},{"text":"None of us are combined on a 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guess there would be some things I could I could use for living money, essentially, because my wife's working at the moment, and I'm currently not working.","start":252.405,"end":263.625,"sentiment":"neutral","sentiment_score":0.06425346008368901},{"text":"And I am on a job seeker payment, which because I haven't even been approved for a disability payment, which I've never had any type of government assistance payment in my life ever.","start":263.685,"end":280.215,"sentiment":"neutral","sentiment_score":-0.22490215030583469},{"text":"And she gets a carer's allowance for me, which she gets a bigger payment than I do.","start":281.795,"end":286.935,"sentiment":"neutral","sentiment_score":0.2080493293264333},{"text":"So, essentially, some weeks, I can get I think I've only ever received one full payment of $726 for the fortnight, and the rest of the time has been based on whatever she earning, because she's limited to what she can earn because she doesn't want to affect my health care card or any of that type of stuff, which is reasonable and fair.","start":287.075,"end":312.42502,"sentiment":"neutral","sentiment_score":0.13831422774819657}],"sentiment":"neutral","sentiment_score":0.0480242572933227,"num_words":143,"start":244.87,"end":312.42502},{"sentences":[{"text":"So I've gotta assess whether I use some of that money to either pay off a small amount of personal debt or use it as living money or actually take a holiday, which I've never had, and just enjoy it.","start":312.965,"end":328.07,"sentiment":"neutral","sentiment_score":0.3169001594185829},{"text":"I'm not not a 100% sure, really.","start":328.07,"end":330.49,"sentiment":"negative","sentiment_score":-0.3388935497828892},{"text":"We've only got our house loan, but there are a couple of things we wanted to do because we've we before I got sick, we built a new home, and there are a couple of things I'd like to do just to finish off outside, you know, like, essentially, some stuff in our shed, which keeps 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what I mean?","start":373.45,"end":374.68,"sentiment":"neutral","sentiment_score":-0.0209551639854908},{"text":"Yep.","start":384.695,"end":385.195,"sentiment":"neutral","sentiment_score":0.019730202853679657}],"sentiment":"neutral","sentiment_score":-0.12015776100911592,"num_words":38,"start":364.155,"end":385.195},{"sentences":[{"text":"Yep.","start":390.295,"end":390.795,"sentiment":"neutral","sentiment_score":0.05262276530265808},{"text":"Oh, yeah.","start":394.935,"end":395.415,"sentiment":"neutral","sentiment_score":-0.058652810752391815},{"text":"I mean, well, over and above what I've got in the super, unfortunately.","start":395.415,"end":398.155,"sentiment":"neutral","sentiment_score":-0.15128971005861575},{"text":"Yeah.","start":398.84998,"end":399.09,"sentiment":"neutral","sentiment_score":-0.009114183485507963},{"text":"I'm just talking that I could reduce some of it or just keep it simply for living money and use it to make the current payments and take some financial pressure off my wife for a few months, twelve months, or whatever.","start":399.09,"end":411.88998,"sentiment":"neutral","sentiment_score":-0.06998163869693166}],"sentiment":"neutral","sentiment_score":-0.08440325585967404,"num_words":59,"start":390.295,"end":411.88998},{"sentences":[{"text":"Like, I don't even know if it's the right thing to take 50,000 or 80,000 and leave a surplus in there, or I don't really know what the right answer 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withdrawal.","start":484.345,"end":488.6,"sentiment":"neutral","sentiment_score":0.09394467462386404},{"text":"Was that what the point you're trying to make?","start":488.66,"end":490.84,"sentiment":"neutral","sentiment_score":0.09666461331976785},{"text":"Yeah.","start":510.475,"end":510.795,"sentiment":"neutral","sentiment_score":0.05854371190071106}],"sentiment":"neutral","sentiment_score":0.09933256038597651,"num_words":28,"start":467.91,"end":510.795},{"sentences":[{"text":"I understand.","start":510.795,"end":511.375,"sentiment":"neutral","sentiment_score":0.01176140271127224},{"text":"No.","start":526.56,"end":526.8,"sentiment":"neutral","sentiment_score":-0.2310890406370163},{"text":"That's okay.","start":526.8,"end":527.62,"sentiment":"neutral","sentiment_score":-0.10192448645830154},{"text":"Oh, it was March 2025.","start":529.005,"end":536.625,"sentiment":"neutral","sentiment_score":0.012233615107834338},{"text":"So the date the date I was diagnosed with the tumor was, like, literally the very next morning or that day, I had the the MRI.","start":539.485,"end":548.86,"sentiment":"neutral","sentiment_score":-0.14823766711812753}],"sentiment":"neutral","sentiment_score":-0.11678962437953386,"num_words":36,"start":510.795,"end":548.86},{"sentences":[{"text":"They rang me and said you will not leave home.","start":549.39996,"end":552.12,"sentiment":"neutral","sentiment_score":-0.20515258610248566},{"text":"You will be accompanied by a carer or your partner at all times, and you are not to drive, go to work, do anything from this day forward.","start":552.12,"end":561.065,"sentiment":"neutral","sentiment_score":-0.15824747617755616},{"text":"And, obviously, I haven't been employed since.","start":569.285,"end":571.385,"sentiment":"neutral","sentiment_score":-0.17235811320798738},{"text":"Yep.","start":594.05505,"end":594.55505,"sentiment":"neutral","sentiment_score":0.06727240979671478},{"text":"Please.","start":596.05505,"end":596.55505,"sentiment":"neutral","sentiment_score":0.08107875287532806}],"sentiment":"neutral","sentiment_score":-0.16043852816553825,"num_words":47,"start":549.39996,"end":596.55505},{"sentences":[{"text":"Yep.","start":596.695,"end":597.195,"sentiment":"neutral","sentiment_score":0.05690615624189377},{"text":"Because that'll that'll give me a determination, like, I'll talk to my partner about it, whether we take a certain amount to to do exactly what we've never well, we did.","start":598.135,"end":609.96,"sentiment":"neutral","sentiment_score":0.053346451492078846},{"text":"We went for a holiday last year, and we've that's the first one in in all our 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sake, which is completely ridiculous.","start":777.52,"end":796.72504,"sentiment":"negative","sentiment_score":-0.5637749128720977},{"text":"Like, anyway, we're not going on about that because they were to just yeah.","start":797.10504,"end":801.125,"sentiment":"negative","sentiment_score":-0.4054581820964813},{"text":"It's in that's in storage for another day, but I I can't see the logic if if you understand where I'm coming 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understand.","start":863.38873,"end":867.8675,"sentiment":"neutral","sentiment_score":0.06875321641564369},{"text":"Yep.","start":871.34625,"end":871.84625,"sentiment":"neutral","sentiment_score":0.11517467349767684},{"text":"Yep.","start":880.525,"end":881.025,"sentiment":"neutral","sentiment_score":0.09054005146026611},{"text":"Yep.","start":881.645,"end":882.145,"sentiment":"neutral","sentiment_score":0.08410730957984924},{"text":"Oh, is that how it works?","start":887.405,"end":888.525,"sentiment":"neutral","sentiment_score":0.057347314432263374}],"sentiment":"neutral","sentiment_score":0.07012839581478726,"num_words":11,"start":863.38873,"end":888.525},{"sentences":[{"text":"I wonder.","start":888.525,"end":889.185,"sentiment":"neutral","sentiment_score":-0.004159172065556049},{"text":"Yeah.","start":889.565,"end":890.065,"sentiment":"neutral","sentiment_score":0.061927393078804016},{"text":"Yes.","start":894.86,"end":895.36,"sentiment":"neutral","sentiment_score":0.13461625576019287},{"text":"No.","start":909.125,"end":909.625,"sentiment":"neutral","sentiment_score":-0.033352311700582504},{"text":"Yep.","start":920.9,"end":921.4,"sentiment":"neutral","sentiment_score":0.03614360466599464}],"sentiment":"neutral","sentiment_score":0.03183609961221615,"num_words":6,"start":888.525,"end":921.4},{"sentences":[{"text":"Basically, yeah, because I still hold a current life insurance policy against that too because, sadly, I I wish I'd have come across you guys at hub at Oakview prior to me being diagnosed because now I have no other insurance cover because of my condition.","start":925.06,"end":942.965,"sentiment":"neutral","sentiment_score":-0.26848069837559824},{"text":"Luckily, I do have another life insurance policy with Real as well, which is prior to the incident.","start":945.0,"end":951.9,"sentiment":"neutral","sentiment_score":0.22054986324575213},{"text":"So I have two life insurance policies, which is which is a good amount of money that could help either my wife or, you know, if sadly, if anything did go wrong, they still exist, and that's really important to me for for the family.","start":952.60004,"end":968.355,"sentiment":"positive","sentiment_score":0.399486220214102},{"text":"Right.","start":980.58,"end":981.08,"sentiment":"neutral","sentiment_score":-0.0391186885535717},{"text":"Didn't know that.","start":994.08496,"end":995.14496,"sentiment":"neutral","sentiment_score":-0.2633419732252757}],"sentiment":"neutral","sentiment_score":0.07758867888983371,"num_words":113,"start":925.06,"end":995.14496},{"sentences":[{"text":"Do you know what I recommend?","start":1001.285,"end":1002.505,"sentiment":"neutral","sentiment_score":-0.11268177380164464},{"text":"Staking jam CPD and leave it there as a as a life so that I didn't know that.","start":1003.02997,"end":1010.41,"sentiment":"neutral","sentiment_score":-0.20861027389764786},{"text":"That needs to stay there then, and all that amount needs to stay as a life insurance policy in my opinion.","start":1010.63,"end":1015.69,"sentiment":"neutral","sentiment_score":-0.13468662755829947},{"text":"Okay.","start":1043.55,"end":1044.05,"sentiment":"neutral","sentiment_score":0.038812827318906784},{"text":"Yeah.","start":1044.1101,"end":1044.3501,"sentiment":"neutral","sentiment_score":-0.01223558560013771}],"sentiment":"neutral","sentiment_score":-0.1538918619143202,"num_words":47,"start":1001.285,"end":1044.3501},{"sentences":[{"text":"No.","start":1044.3501,"end":1044.5901,"sentiment":"neutral","sentiment_score":-0.176882803440094},{"text":"I didn't think of it like that either.","start":1044.5901,"end":1046.1101,"sentiment":"neutral","sentiment_score":-0.190805371850729},{"text":"That sense.","start":1046.1101,"end":1046.945,"sentiment":"neutral","sentiment_score":-0.08324779942631721},{"text":"Yeah.","start":1047.6449,"end":1048.1449,"sentiment":"neutral","sentiment_score":-0.05916135385632515},{"text":"Yeah.","start":1049.485,"end":1049.8849,"sentiment":"neutral","sentiment_score":0.03429979085922241}],"sentiment":"neutral","sentiment_score":-0.14574484154582024,"num_words":13,"start":1044.3501,"end":1049.8849},{"sentences":[{"text":"So that that makes sense.","start":1049.8849,"end":1051.325,"sentiment":"neutral","sentiment_score":0.11032609045505523},{"text":"So the money still exists.","start":1051.325,"end":1052.6849,"sentiment":"neutral","sentiment_score":0.12477291226387024},{"text":"So just it'll just remain in a super, and potentially, it may even actually grow a little bit.","start":1052.6849,"end":1057.6649,"sentiment":"neutral","sentiment_score":0.08622513131962882},{"text":"Yep.","start":1062.47,"end":1062.97,"sentiment":"neutral","sentiment_score":-0.12187260389328004},{"text":"Broad.","start":1074.7051,"end":1074.9451,"sentiment":"neutral","sentiment_score":-0.06240382045507431}],"sentiment":"neutral","sentiment_score":0.08477569843331972,"num_words":30,"start":1049.8849,"end":1074.9451},{"sentences":[{"text":"Okay.","start":1074.9451,"end":1075.4451,"sentiment":"neutral","sentiment_score":-0.04522105306386947},{"text":"Broad.","start":1078.8651,"end":1079.185,"sentiment":"neutral","sentiment_score":-0.017374157905578613},{"text":"That makes sense.","start":1079.185,"end":1080.3251,"sentiment":"neutral","sentiment_score":0.014620738724867502},{"text":"Yep.","start":1080.4651,"end":1080.9651,"sentiment":"neutral","sentiment_score":0.049529146403074265},{"text":"Yep.","start":1087.53,"end":1088.03,"sentiment":"neutral","sentiment_score":0.0012750178575515747}],"sentiment":"neutral","sentiment_score":0.0045815956379686084,"num_words":7,"start":1074.9451,"end":1088.03},{"sentences":[{"text":"I'm the same.","start":1095.85,"end":1096.83,"sentiment":"neutral","sentiment_score":-0.07241871456305186},{"text":"Yep.","start":1107.425,"end":1107.925,"sentiment":"neutral","sentiment_score":0.22938668727874756},{"text":"Yep.","start":1110.945,"end":1111.445,"sentiment":"neutral","sentiment_score":0.2340615838766098},{"text":"Because yeah.","start":1119.05,"end":1119.85,"sentiment":"neutral","sentiment_score":0.0849829763174057},{"text":"I understand.","start":1119.85,"end":1120.41,"sentiment":"neutral","sentiment_score":0.06151674501597881}],"sentiment":"neutral","sentiment_score":0.05991017445921898,"num_words":9,"start":1095.85,"end":1120.41},{"sentences":[{"text":"And it's not gonna decrease that section of it anyway at a minimum.","start":1120.41,"end":1124.03,"sentiment":"neutral","sentiment_score":-0.05067973526624533},{"text":"Yeah.","start":1124.595,"end":1125.095,"sentiment":"neutral","sentiment_score":0.044292230159044266},{"text":"Because I own a business that I can't work in, obviously, and I'll have equipment and assets that I'll be able to sell off.","start":1125.5549,"end":1133.155,"sentiment":"neutral","sentiment_score":-0.06541709435017158},{"text":"So I'll be able to contribute to that super fund as a personal contribution down the track as well, you know, depending on the situation.","start":1133.155,"end":1145.7899,"sentiment":"neutral","sentiment_score":0.2656400939822197},{"text":"Yep.","start":1147.5299,"end":1148.0299,"sentiment":"neutral","sentiment_score":0.19487230479717255}],"sentiment":"neutral","sentiment_score":0.07267687596322503,"num_words":64,"start":1120.41,"end":1148.0299},{"sentences":[{"text":"Yep.","start":1156.095,"end":1156.595,"sentiment":"neutral","sentiment_score":0.11439432203769684},{"text":"Yes.","start":1161.775,"end":1162.275,"sentiment":"neutral","sentiment_score":0.14231041073799133},{"text":"Yes.","start":1162.975,"end":1163.475,"sentiment":"neutral","sentiment_score":0.20974360406398773},{"text":"For sure.","start":1173.0499,"end":1173.61,"sentiment":"neutral","sentiment_score":0.1717545986175537},{"text":"Yeah.","start":1173.61,"end":1173.85,"sentiment":"neutral","sentiment_score":0.2189108729362488}],"sentiment":"neutral","sentiment_score":0.17147806783517203,"num_words":6,"start":1156.095,"end":1173.85},{"sentences":[{"text":"But if I can get a a lot more value out of the life by the TPD claim being approved, sit that aside, leave that untouched, and then some assets of mine in the future that I can discard or can make personal contribution moving forward so that adds to the life insurance for the family.","start":1173.85,"end":1194.135,"sentiment":"neutral","sentiment_score":0.2781178594699928},{"text":"You know what I mean?","start":1194.135,"end":1195.195,"sentiment":"neutral","sentiment_score":0.046826978027820584},{"text":"Yep.","start":1200.97,"end":1201.47,"sentiment":"positive","sentiment_score":0.3464582860469818},{"text":"Yep.","start":1212.265,"end":1212.765,"sentiment":"neutral","sentiment_score":0.2055882215499878},{"text":"I think so.","start":1222.93,"end":1223.65,"sentiment":"neutral","sentiment_score":0.0978207712372144}],"sentiment":"neutral","sentiment_score":0.25233702790556534,"num_words":66,"start":1173.85,"end":1223.65},{"sentences":[{"text":"Yeah.","start":1223.65,"end":1223.89,"sentiment":"neutral","sentiment_score":0.25912660360336304},{"text":"I think that's step one.","start":1223.89,"end":1225.25,"sentiment":"positive","sentiment_score":0.3867949962615967},{"text":"And then once I'll move forward because some of this equipment's still working with people on it.","start":1225.25,"end":1230.79,"sentiment":"neutral","sentiment_score":0.25138329670709725},{"text":"You know?","start":1230.85,"end":1231.25,"sentiment":"neutral","sentiment_score":0.2331974059343338},{"text":"It's still generating a business it's keeping the business alive.","start":1231.25,"end":1235.09,"sentiment":"positive","sentiment_score":0.38545977175235746}],"sentiment":"neutral","sentiment_score":0.30821743309497834,"num_words":35,"start":1223.65,"end":1235.09},{"sentences":[{"text":"Unfortunately, me being missing a link out of the business that I've ran for fifteen years, that's also taken a lot of the cream off the pie because when you're an owner operator, obviously, that you're working essentially for every dollar that you earn pretty much with that machine or piece of plant or truck or whatever it may have been.","start":1235.09,"end":1256.61,"sentiment":"neutral","sentiment_score":-0.32175747555543166},{"text":"It it doesn't incur it only incurs a minimal wage if you choose to do so, an insurance benefit, obviously, for workers' compensation public liability, fuel expenses, and wear and tear, but I can essentially be a cheap or zero wage in some regard, and that money can go into the business and be saved and benefit the business moving forward.","start":1256.61,"end":1280.125,"sentiment":"neutral","sentiment_score":0.015854950230874},{"text":"Where, unfortunately, I don't have that option anymore.","start":1280.825,"end":1283.225,"sentiment":"negative","sentiment_score":-0.3909313976764679},{"text":"You know what I mean?","start":1283.225,"end":1284.15,"sentiment":"neutral","sentiment_score":-0.12007112056016922},{"text":"It's it's like you're employing a cleaner when you could clean yourself with no no cost.","start":1286.47,"end":1291.05,"sentiment":"neutral","sentiment_score":-0.043171677738428116}],"sentiment":"neutral","sentiment_score":-0.1528384614094401,"num_words":151,"start":1235.09,"end":1291.05},{"sentences":[{"text":"If it that's in in simple layman's terms.","start":1295.91,"end":1298.7101,"sentiment":"neutral","sentiment_score":-0.061056545469909906},{"text":"You know what I mean?","start":1298.7101,"end":1299.59,"sentiment":"neutral","sentiment_score":-0.07446134984493255},{"text":"So the business has lost a little bit by me not being able to be in control of it to the degree I used to be.","start":1299.59,"end":1305.875,"sentiment":"negative","sentiment_score":-0.36528554959939075},{"text":"So, essentially, an asset or two maybe ought to be sold off, and some of that can be reinvested.","start":1306.015,"end":1312.755,"sentiment":"neutral","sentiment_score":-0.23189543815035568},{"text":"Yes.","start":1320.25,"end":1320.75,"sentiment":"neutral","sentiment_score":0.005965050309896469}],"sentiment":"neutral","sentiment_score":-0.25013951995110106,"num_words":59,"start":1295.91,"end":1320.75},{"sentences":[{"text":"Correct.","start":1321.29,"end":1321.79,"sentiment":"neutral","sentiment_score":0.03645759075880051},{"text":"Yeah.","start":1330.525,"end":1330.925,"sentiment":"neutral","sentiment_score":-0.09510011225938796},{"text":"To get me head around it because I'm still not I'm still too proud to even get rid of anything at this point.","start":1330.925,"end":1335.885,"sentiment":"neutral","sentiment_score":-0.2796178259279417},{"text":"Like anyway, let's not dwell on that.","start":1335.885,"end":1340.88,"sentiment":"neutral","sentiment_score":-0.23575585867677415},{"text":"I've dwelled on that for the last fourteen to sixteen months.","start":1340.88,"end":1343.84,"sentiment":"neutral","sentiment_score":-0.18236510320143265}],"sentiment":"neutral","sentiment_score":-0.23595720148363777,"num_words":43,"start":1321.29,"end":1343.84},{"sentences":[{"text":"But, anyway if you if you're willing to email me some information regarding tax rates on amounts, etcetera, and I can talk to my partner and figure out what a number would be that we could utilize to actually live a little bit of life because this has been a big upside down turning in our lives, to be honest.","start":1343.84,"end":1369.85,"sentiment":"neutral","sentiment_score":-0.07672050256902972},{"text":"Like, it's really yeah.","start":1369.85,"end":1371.77,"sentiment":"neutral","sentiment_score":-0.10856192000210285},{"text":"It's been been challenging.","start":1371.77,"end":1373.23,"sentiment":"neutral","sentiment_score":-0.26684680581092834},{"text":"Yep.","start":1380.855,"end":1381.355,"sentiment":"neutral","sentiment_score":0.0420149564743042},{"text":"Yep.","start":1386.855,"end":1387.355,"sentiment":"neutral","sentiment_score":0.11603241413831712}],"sentiment":"neutral","sentiment_score":-0.08495453838258982,"num_words":70,"start":1343.84,"end":1387.355},{"sentences":[{"text":"Awesome.","start":1391.3351,"end":1391.8351,"sentiment":"positive","sentiment_score":0.7926895618438721},{"text":"Thank you.","start":1391.9751,"end":1392.7151,"sentiment":"positive","sentiment_score":0.7448473274707794},{"text":"No worries at all.","start":1398.0901,"end":1399.05,"sentiment":"neutral","sentiment_score":0.29988985508680344},{"text":"Thank you so much.","start":1399.05,"end":1400.01,"sentiment":"positive","sentiment_score":0.8079521805047989},{"text":"I really appreciate it.","start":1400.01,"end":1401.39,"sentiment":"positive","sentiment_score":0.8283366411924362}],"sentiment":"positive","sentiment_score":0.6684732615947724,"num_words":15,"start":1391.3351,"end":1401.39},{"sentences":[{"text":"No worries at all.","start":1405.7369,"end":1406.537,"sentiment":"neutral","sentiment_score":0.29232359677553177},{"text":"Thank you.","start":1406.537,"end":1407.277,"sentiment":"positive","sentiment_score":0.6859029233455658},{"text":"Bye.","start":1409.3369,"end":1409.8369,"sentiment":"neutral","sentiment_score":-0.1009008213877678}],"sentiment":"positive","sentiment_score":0.3485999160579273,"num_words":7,"start":1405.7369,"end":1409.8369}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi,\n\nChannel 1: Hello?\n\nChannel 0: Mark. It's from OC Financial. How are you going?\n\nChannel 1: Good. Thank you. How are you?\n\nChannel 0: Yeah. Good. Good. Friday. Can't complain.\n\nChannel 1: Yeah. No. None of us are combined on a Friday. That's for sure.\n\nChannel 0: I was just giving you a call today so we could have a bit of a chat with regards to the money that you wanted to re withdraw. Sorry.\n\nChannel 1: Yes.\n\nChannel 0: Was now still a good time? Sorry, Mark. Was now okay? Mark? Hello?\n\nChannel 1: I'll try again. Far\n\nChannel 0: Oh,\n\nChannel 1: out.\n\nChannel 0: didn't go.\n\nChannel 1: It keeps connecting to a Bluetooth device. I've turned my Bluetooth off now.\n\nChannel 0: You're okay. That's fine. Now we're still good?\n\nChannel 1: Yeah. We're all good. Sorry about that.\n\nChannel 0: No. You're so fine. Well, before we jump into it, I do need to let you know our calls are recorded. And if I could, just get you confirmed security. It's full name, date of birth, and\n\nChannel 1: Mark Gregory Hill. Forty eleven seventy five. 67 Foster Street, Rownton, Tas.\n\nChannel 0: address. Perfect. Okay. So I've been working in the back end with Caden with regards to the claims. I'm pretty across it.\n\nChannel 1: Yep.\n\nChannel 0: With respect to where things fit. Now, ultimately speaking, Hub twenty four has approved the PI claim, which is ultimately the super funds equivalent to a TPD claim.\n\nChannel 1: Yes.\n\nChannel 0: And what that means is we can essentially withdraw some of the benefits under the actual account. Now there are a couple of\n\nChannel 1: Yes.\n\nChannel 0: considerations that we need to make. I'm\n\nChannel 1: Yep.\n\nChannel 0: Risa. One is that the superannuation benefit is actually taxable. So\n\nChannel 1: Yeah. And I yep.\n\nChannel 0: so what that means is we can pay up to 22%. Now there is a kind of full calculation that can be done that is based on a few additional details\n\nChannel 1: Yes.\n\nChannel 0: that will enable us to kind of reduce the tax payable.\n\nChannel 1: Okay.\n\nChannel 0: I wanted to confirm with you just to make sure I had the right details, because what I can do is go away and have a look at what tax payable would be applicable to the withdrawal would be. Because\n\nChannel 1: Yes.\n\nChannel 0: it's calculated as of the date we as of the date you the date you finished work, the your date of birth is at '65. So it's basically your birthday when you would intend to be five. And,\n\nChannel 1: Yep.\n\nChannel 0: essentially, what what's referred to as the reference date of your account or eligible service date.\n\nChannel 1: Yep.\n\nChannel 0: Now the eligible service date is basically calculated in the back end of the super fund, and it'll be sort of the oldest date of either the first date you started working, the first date a superannuation account was opened, or the account in question was opened. Now\n\nChannel 1: Yep.\n\nChannel 0: the account with Hub twenty four was rolled over from your CareSuper account initially. So both\n\nChannel 1: Correct.\n\nChannel 0: of the accounts have the same eligible service date. So I just wanted to, I guess, find out essentially how much you wanted to actually withdraw and, I guess, where things fit and what you're wanting to achieve for the long term. Because there's, you know, acting now and withdrawing money now and depending on the service that you're intending for that money or the purpose that money is going to serve, there is then also on the other side of things, the longevity of the\n\nChannel 1: Yeah. Understand. Yep.\n\nChannel 0: So I guess what's the goal with the withdrawal of funds is what we push it.\n\nChannel 1: I guess there would be some things I could I could use for living money, essentially, because my wife's working at the moment, and I'm currently not working. And I am on a job seeker payment, which because I haven't even been approved for a disability payment, which I've never had any type of government assistance payment in my life ever. And she gets a carer's allowance for me, which she gets a bigger payment than I do. So, essentially, some weeks, I can get I think I've only ever received one full payment of $726 for the fortnight, and the rest of the time has been based on whatever she earning, because she's limited to what she can earn because she doesn't want to affect my health care card or any of that type of stuff, which is reasonable and fair. So I've gotta assess whether I use some of that money to either pay off a small amount of personal debt or use it as living money or actually take a holiday, which I've never had, and just enjoy it.\n\nI'm not not a 100% sure, really.\n\nChannel 0: No. That's okay. They asked how much customer debt do you have?\n\nChannel 1: We've only got our house loan, but there are a couple of things we wanted to do because we've we before I got sick, we built a new home, and there are a couple of things I'd like to do just to finish off outside, you know, like, essentially, some stuff in our shed, which keeps me occupied as a hobby. I mean, I don't know. It's it's just a really hard call at the end of the day. We'd I don't know. I really don't know what if I could spend it on a million things.\n\nDon't get me wrong, but I need to make the priority the right choice. You know what I mean?\n\nChannel 0: Yeah. No. No. I I do get that. Okay.\n\nSo if you were to pay off the mortgage\n\nChannel 1: Yep.\n\nChannel 0: and do the rep in ten years or the virus now.\n\nChannel 1: Yep.\n\nChannel 0: What's the figure that you would need?\n\nChannel 1: Oh, yeah. I mean, well, over and above what I've got in the super, unfortunately. Yeah. I'm\n\nChannel 0: Okay.\n\nChannel 1: just talking that I could reduce some of it or just keep it simply for living money and use it to make the current payments and take some financial pressure off my wife for a few months, twelve months, or whatever. Like, I don't even know if it's the right thing to take 50,000 or 80,000 and leave a surplus in there, or I don't really know what the right answer is.\n\nChannel 0: Okay. Well, there's a couple of different I think I can definitely have a look at advice overall that would look into taxes applicable if we did a withdrawal, that uplift calculation that happened, which saves us paying a little bit less tax.\n\nChannel 1: Yep.\n\nChannel 0: I can also have a look at comparing, you know, the money growth in your fund versus popping that money onto the mortgage and the differential or the sorry, difference that it has between so I guess those two avenues of investment versus,\n\nChannel 1: Yep.\n\nChannel 0: you know, interest payable\n\nChannel 1: Yeah. Yeah. I'm the same.\n\nChannel 0: and sort of provide that to have a bit more of a conversation and go from there. Now that will take me a couple of weeks after you get me a loan, like, your your updated loan documents. I need to know the details of the loan. They\n\nChannel 1: Yep. And\n\nChannel 0: for\n\nChannel 1: and\n\nChannel 0: interest\n\nChannel 1: and all this\n\nChannel 0: rate.\n\nChannel 1: information determines the tax payable on the the withdrawal. Was that what the point you're trying to make?\n\nChannel 0: That and, like, the the loan document doesn't, but if you want me to sort of, I guess, compare and give you actual advice on whether you should take the money out and put it on the mortgage or whether you should leave it in the fund to grow for the future, that's where that loan document comes in.\n\nChannel 1: Yeah.\n\nChannel 0: The only\n\nChannel 1: I\n\nChannel 0: thing\n\nChannel 1: understand.\n\nChannel 0: I realistically need to be able to calculate the tax would be just confirming I know it's written in the document, but I always like to confirm. And, honestly, I was just looking yesterday, so I can't quite remember the date right now. But\n\nChannel 1: No. That's\n\nChannel 0: take\n\nChannel 1: okay.\n\nChannel 0: a look at them again. The date\n\nChannel 1: Oh,\n\nChannel 0: that you last what?\n\nChannel 1: it was March 2025.\n\nChannel 0: Cool. Not\n\nChannel 1: So\n\nChannel 0: maybe.\n\nChannel 1: the date the date I was diagnosed with the tumor was, like, literally the very next morning or that day, I had the the MRI. They rang me and said you will not leave home. You will be accompanied by a carer or your partner at all times, and you are not to drive, go to work, do anything from this day forward.\n\nChannel 0: Yeah. Okay. Cool. Alright. So\n\nChannel 1: And,\n\nChannel 0: no.\n\nChannel 1: obviously,\n\nChannel 0: That's okay.\n\nChannel 1: I haven't been employed since.\n\nChannel 0: Yeah. No. No. That's okay. I may may ring the bell, so that's alright.\n\nAnd outside of that, what I will do is I can do the math calculation. It is a little bit of a complex math calculation, and I do have a bit of a backlog day today. But would you be okay if I send you an email with, I guess,\n\nChannel 1: Yep.\n\nChannel 0: the applicable tax rate\n\nChannel 1: Please.\n\nChannel 0: for the\n\nChannel 1: Yep.\n\nChannel 0: account?\n\nChannel 1: Because that'll that'll give me a determination, like, I'll talk to my partner about it, whether we take a certain amount to to do exactly what we've never well, we did. We went for a holiday last year, and we've that's the first one in in all our years. Like, we've never been able to actually live life and enjoy stress free. Well, you know, we just need to talk about how much we're gonna consider taking out, whether we take the lot, for example, or we just and just leave or take a a portion of it. I'm I'm still undecided, to be fair.\n\nBecause, of course, the TPD claim is also still in motion as well, so there's that opportunity\n\nChannel 0: Yes.\n\nChannel 1: too.\n\nChannel 0: Yes. And that would have the same applicable tax payable. I\n\nChannel 1: I've\n\nChannel 0: guess\n\nChannel 1: always\n\nChannel 0: there\n\nChannel 1: to\n\nChannel 0: is\n\nChannel 1: I was led to believe that it was actually tax free, that TPD insurance claim.\n\nChannel 0: sorry? Do you know who led you to believe that?\n\nChannel 1: I I think Kaiden might have mentioned it, but I'm not throwing him under the bus. Don't get me wrong, but I was led to believe that the TPD pay payout is a tax free payment. I I I could be very much mistaken. I'm not sure.\n\nChannel 0: No. That's okay. TPD, when paid by super so TPD and permanent incapacity are essentially the same thing. It means that you're never able to work. The only difference is TPD or total payment facility is a definition used by an insurer, and PI or permanent incapacity is a definition used by a super fund.\n\nNow\n\nChannel 1: Okay.\n\nChannel 0: your TPD, the actual insurance benefit that you pay a premium for, is owned by a super fund, which means it actually has to meet both a TPD and a PI definition, which essentially, if you meet a TPD definition, you have met a PI\n\nChannel 1: Okay. Yep.\n\nChannel 0: But the hub twenty four PI claim's obviously gone through. It's\n\nChannel 1: Yep.\n\nChannel 0: a caregiver, which I know that Caden spoke to you yesterday yesterday about going to the your doctor, getting an updated\n\nChannel 1: Yes. Correct.\n\nChannel 0: medical\n\nChannel 1: Because\n\nChannel 0: certificate.\n\nChannel 1: the form changed. Yeah. She's put two different forms in. One was at an earlier date, and now she's re reentered the second one, which is more it's got more definition than the previous, which obviously gave the hub twenty four approval, if that makes sense.\n\nChannel 0: Yeah. Yeah. She's she's, I guess, being a little bit ambiguous with the the care through the form and a little bit more, like, nope. Yeah. And it's\n\nChannel 1: Yes.\n\nChannel 0: also\n\nChannel 1: Yep.\n\nChannel 0: a little bit of a time between the two. So it's totally understandable, you know, as your medical case evolve, new things coming to play.\n\nChannel 1: Yeah. I know. It's just so difficult. And I'll tell you what, the whole situation is extremely frustrating\n\nChannel 0: So\n\nChannel 1: because even those forms won't allow me like, Send a link, so to speak, won't even accept those to to give me a a\n\nChannel 0: Not\n\nChannel 1: disability payment for goodness sake,\n\nChannel 0: They yeah. They require their own phone.\n\nChannel 1: which is completely ridiculous. Like, anyway, we're not going on about that because they were to just yeah.\n\nChannel 0: Be here\n\nChannel 1: It's\n\nChannel 0: forever.\n\nChannel 1: in\n\nChannel 0: No. I know.\n\nChannel 1: that's in storage for another day, but I I can't see the logic if if you understand where I'm coming from.\n\nChannel 0: Yeah. No. No. I I do get it.\n\nChannel 1: Yep.\n\nChannel 0: So I guess, essentially speaking, if you're wanting to make a more immediate withdrawal, that would come under what industry known as an execution order. So you would basically instruct me to execute a withdrawal for you. It means that I'm not giving you advice. I'm giving you general information and that I've\n\nChannel 1: Understand.\n\nChannel 0: done for But\n\nChannel 1: Yep.\n\nChannel 0: I'm not advising you how much, where to sell it from.\n\nChannel 1: Yep.\n\nChannel 0: If you do want to look at advice where we consider longevity, we consider the mortgage, we consider your last income, we can look at all of it to see how we're going to fund things moving forward, we can definitely do that, and we can\n\nChannel 1: Yeah.\n\nChannel 0: pick that up at any time that you're wanting to sort of look at it.\n\nChannel 1: I\n\nChannel 0: One of the things that I can see, and this is all obviously depending on\n\nChannel 1: understand.\n\nChannel 0: CareSuper accepting the\n\nChannel 1: Yep.\n\nChannel 0: claim, is that what's gonna happen with the TPD claim is once it's approved, the TPD amount will be released from MetLife, who is\n\nChannel 1: Yep.\n\nChannel 0: the insurer,\n\nChannel 1: Yep.\n\nChannel 0: and that gets released into the CareSuper super account.\n\nChannel 1: Oh, is that how it works? I wonder. Yeah.\n\nChannel 0: Yeah. Yeah. Because, like, the CareSuper account is actually the owner. You're the life insured.\n\nChannel 1: Yes.\n\nChannel 0: So they pay the owner of the account. What we could do from there is there's a couple of different avenues. Because once your TPD payment will be paid, you'll have no other insurance in the account to be claimed. We\n\nChannel 1: No.\n\nChannel 0: could actually roll that account over into Hub twenty four account, obviously, providing the numbers will match up and everything looks good, and we could just consolidate the one account and invest under that account moving forward. Because\n\nChannel 1: Yep.\n\nChannel 0: your Care Super account was literally an insurance.\n\nChannel 1: Basically, yeah, because I still hold a current life insurance policy against that too because, sadly, I I wish I'd have come across you guys at hub at Oakview prior to me being diagnosed because now I have no other insurance cover because of my condition. Luckily, I do have another life insurance policy with Real as well, which is prior to the incident.\n\nChannel 0: Which\n\nChannel 1: So\n\nChannel 0: is fine. Yeah.\n\nChannel 1: I have two life insurance policies, which is which is a good amount of money that could help either my wife or, you know, if sadly, if anything did go wrong, they still exist, and that's really important to me for for the family.\n\nChannel 0: So with your Care Superfund, the life and the TPD insurance, they're actually linked. So it means\n\nChannel 1: Right.\n\nChannel 0: that if you upon the approval of the TPD benefit, it will reduce the life benefit by the amount of TPD paid,\n\nChannel 1: Didn't know\n\nChannel 0: which\n\nChannel 1: that.\n\nChannel 0: essentially means that your PPD policy is going to reduce your life benefit to zero.\n\nChannel 1: Do you know what I recommend? Staking jam\n\nChannel 0: Mhmm.\n\nChannel 1: CPD and leave it there as a as a life so that I didn't know that. That needs to stay there then, and all that amount needs to stay as a life insurance policy in my opinion.\n\nChannel 0: We can always claim it out so that way you no longer pay the premium because then it's no longer a costing code to you. We ensure that we keep the that amount of money sitting in your super fund because then it's no longer an insurance claim. It's your money. You've met a condition of relief. We just be smart with what we release, and you make sure that you we keep that money set aside with the intended purpose of\n\nChannel 1: Okay.\n\nChannel 0: it being\n\nChannel 1: Yeah. No.\n\nChannel 0: a\n\nChannel 1: I didn't\n\nChannel 0: life benefit.\n\nChannel 1: think of it like that either. That sense.\n\nChannel 0: No. That's it. I'm I'm\n\nChannel 1: Yeah.\n\nChannel 0: just spitballing.\n\nChannel 1: Yeah. So that that makes sense. So the money still exists. So just it'll just remain in a super, and potentially, it may even actually grow a little bit.\n\nChannel 0: Exactly. Rather than the life insurance benefits that's under care super. Don't\n\nChannel 1: Yep.\n\nChannel 0: quote me, but I was reading the PDF the other month, and I'm quite sure it's actually a decreasing benefit. So as you get older, the amount gets lower. I'd have to look\n\nChannel 1: Broad.\n\nChannel 0: at it\n\nChannel 1: Okay.\n\nChannel 0: again to confirm what those step downs are.\n\nChannel 1: Broad.\n\nChannel 0: But\n\nChannel 1: That\n\nChannel 0: at least\n\nChannel 1: makes\n\nChannel 0: we\n\nChannel 1: sense. Yep.\n\nChannel 0: we we lock it we are locking the claim amount now. Again, I'm I'm just exploring and talking to you as I go through\n\nChannel 1: Yep.\n\nChannel 0: near on the firing, so to speak. So it's just it's kind of options that are available to us. The\n\nChannel 1: I'm\n\nChannel 0: claim\n\nChannel 1: the\n\nChannel 0: to\n\nChannel 1: same.\n\nChannel 0: TPD is already sitting there, so it is an avenue we could we can go through. It's just all of this is, I guess, depending on what you want. So you\n\nChannel 1: Yep.\n\nChannel 0: do have the a real life insurance benefit as well.\n\nChannel 1: Yep.\n\nChannel 0: So that that obviously gives you reassurance that there is insurance there\n\nChannel 1: Because\n\nChannel 0: too.\n\nChannel 1: yeah. I understand. And it's not gonna decrease that section of it anyway at a minimum. Yeah. Because I own a business that I can't work in, obviously, and I'll have equipment and assets that I'll be able to sell off.\n\nSo I'll be able to contribute to that super fund as a personal contribution down the track as well, you know, depending on the\n\nChannel 0: Yes. And and definitely something we can look at\n\nChannel 1: situation.\n\nChannel 0: future leading. The\n\nChannel 1: Yep.\n\nChannel 0: the last certificate of current day I have for your real life cover was back in twenty twenty twenty twenty four.\n\nChannel 1: Yep.\n\nChannel 0: So it's a couple years old, but it's sitting at $268,000 on\n\nChannel 1: Yes.\n\nChannel 0: that life benefit.\n\nChannel 1: Yes.\n\nChannel 0: So you've you've still got that money sitting there as well in terms of insurance, if anything goes.\n\nChannel 1: For sure. Yeah. But if I can get a a lot more value out of the life by the TPD claim being approved, sit that aside, leave that untouched, and then some assets of mine in the future that I can discard or can make personal contribution moving forward so that adds to the life insurance for the family. You know what I mean?\n\nChannel 0: Yeah. Absolutely. And it's a perfectly valid strategy that we could look\n\nChannel 1: Yep.\n\nChannel 0: to implement. It's just totally I mean, it does sound really good, but but, like, I'd look like to actually look at, you know, how it works on, like, the longevity services and\n\nChannel 1: Yep.\n\nChannel 0: and what we could do future leading. It's just, I guess, depending on whether you wanna look at doing all this now or whether you just wanna try and get through the claims, get a little bit of money withdrawn if,\n\nChannel 1: I think\n\nChannel 0: you\n\nChannel 1: so.\n\nChannel 0: know,\n\nChannel 1: Yeah.\n\nChannel 0: you're\n\nChannel 1: I think that's\n\nChannel 0: comfortable,\n\nChannel 1: step one. And then\n\nChannel 0: and\n\nChannel 1: once\n\nChannel 0: then\n\nChannel 1: I'll move\n\nChannel 0: pick\n\nChannel 1: forward\n\nChannel 0: up\n\nChannel 1: because\n\nChannel 0: a.\n\nChannel 1: some of this equipment's still working with people on it. You know? It's still generating a business it's keeping the business alive. Unfortunately, me being missing a link out of the business that I've ran for fifteen years, that's also taken a lot of the cream off the pie because when you're an owner operator, obviously, that you're working essentially for every dollar that you earn pretty much with that\n\nChannel 0: Yeah.\n\nChannel 1: machine or piece of plant or truck or whatever it may have been. It it doesn't incur it only incurs a minimal wage if you choose to do so, an insurance benefit, obviously, for workers' compensation public liability, fuel expenses, and wear and tear, but I can essentially be a cheap or zero wage in some regard, and that money can go into the business and be saved and benefit the business moving forward. Where, unfortunately, I don't have that option anymore. You know what I mean?\n\nChannel 0: Yeah.\n\nChannel 1: It's it's like\n\nChannel 0: Yeah.\n\nChannel 1: you're\n\nChannel 0: You you\n\nChannel 1: employing a cleaner when you could clean yourself with no no cost.\n\nChannel 0: Yes.\n\nChannel 1: If it that's in in simple layman's terms. You know what I mean? So the business has lost a little bit by me not being able to be in control of it to the degree I used to be. So, essentially, an asset or two maybe ought to be sold off, and some of that can be reinvested.\n\nChannel 0: Yeah. And it it would just, I guess, depend on the timeline that that actually is executed\n\nChannel 1: Yes. Correct.\n\nChannel 0: and and how the liquidation looks. But, yeah, it's definitely something we can when you're in the headspace headspace to do it.\n\nChannel 1: Yeah. To get me head around it because I'm still not I'm still too proud to even get rid of anything at this point. Like\n\nChannel 0: Yeah.\n\nChannel 1: anyway,\n\nChannel 0: No. That's completely\n\nChannel 1: let's not\n\nChannel 0: fair.\n\nChannel 1: dwell on that. I've dwelled on that for the last fourteen to sixteen months. But, anyway\n\nChannel 0: Yeah. That's completely fair. Absolutely. No.\n\nChannel 1: if you if you're willing to email me some information regarding tax rates on amounts, etcetera, and\n\nChannel 0: Yeah.\n\nChannel 1: I can talk to my partner and figure out what a number would be that we could utilize to actually live a little bit of life because this has been a big upside down turning in our lives, to be honest. Like, it's really yeah.\n\nChannel 0: Yeah.\n\nChannel 1: It's been been challenging.\n\nChannel 0: Yeah, man. No. Absolutely. I'll what I'll do is I will calculate what the tax uplift would be,\n\nChannel 1: Yep.\n\nChannel 0: and then I will try and break that down in a simple layman's terms as possible.\n\nChannel 1: Yep.\n\nChannel 0: And and we can go from there.\n\nChannel 1: Awesome. Thank you.\n\nChannel 0: That's okay. Alright. Perfect. I'll get cracking, and I'll get back to you by Monday. K k?\n\nChannel 1: No worries at all. Thank you so much. I really appreciate it.\n\nChannel 0: That's okay, ma'am. Not a problem at all. If you have any other questions, give me a callback.\n\nChannel 1: No worries at all. Thank you.\n\nChannel 0: Thanks. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":3.1999998,"end":3.6999998,"sentiment":"neutral","sentiment_score":0.027348127216100693}],"sentiment":"neutral","sentiment_score":0.027348127216100693,"channel":1,"num_words":1,"start":3.1999998,"end":3.6999998},{"sentences":[{"text":"Hi,","start":5.2799997,"end":5.6,"sentiment":"neutral","sentiment_score":0.0835266262292862}],"sentiment":"neutral","sentiment_score":0.0835266262292862,"channel":0,"num_words":1,"start":5.2799997,"end":5.6},{"sentences":[{"text":"Hello?","start":5.52,"end":6.02,"sentiment":"neutral","sentiment_score":0.06885164231061935}],"sentiment":"neutral","sentiment_score":0.06885164231061935,"channel":1,"num_words":1,"start":5.52,"end":6.02},{"sentences":[{"text":"Mark.","start":5.6,"end":5.92,"sentiment":"neutral","sentiment_score":0.13107755780220032},{"text":"It's from OC Financial.","start":5.92,"end":7.52,"sentiment":"neutral","sentiment_score":0.1804177090525627},{"text":"How are you going?","start":7.52,"end":8.42,"sentiment":"neutral","sentiment_score":0.23289557173848152}],"sentiment":"neutral","sentiment_score":0.19825896455181968,"channel":0,"num_words":9,"start":5.6,"end":8.42},{"sentences":[{"text":"Good.","start":8.4,"end":8.559999,"sentiment":"positive","sentiment_score":0.6077088117599487},{"text":"Thank you.","start":8.559999,"end":9.2,"sentiment":"positive","sentiment_score":0.6269739270210266},{"text":"How are you?","start":9.2,"end":10.0199995,"sentiment":"positive","sentiment_score":0.3670816520849864}],"sentiment":"positive","sentiment_score":0.49381693700949353,"channel":1,"num_words":6,"start":8.4,"end":10.0199995},{"sentences":[{"text":"Yeah.","start":10.48,"end":10.98,"sentiment":"neutral","sentiment_score":0.2603068947792053},{"text":"Good.","start":11.12,"end":11.5199995,"sentiment":"positive","sentiment_score":0.4399532675743103},{"text":"Good.","start":11.5199995,"end":11.92,"sentiment":"positive","sentiment_score":0.43836307525634766},{"text":"Friday.","start":11.92,"end":12.42,"sentiment":"neutral","sentiment_score":0.3166901469230652},{"text":"Can't complain.","start":12.48,"end":13.219999,"sentiment":"neutral","sentiment_score":0.2255483940243721}],"sentiment":"neutral","sentiment_score":0.3177350287636121,"channel":0,"num_words":6,"start":10.48,"end":13.219999},{"sentences":[{"text":"Yeah.","start":13.684999,"end":13.844999,"sentiment":"neutral","sentiment_score":0.05440300703048706},{"text":"No.","start":13.844999,"end":14.004999,"sentiment":"neutral","sentiment_score":-0.0852847695350647},{"text":"None of us are combined on a Friday.","start":14.004999,"end":15.605,"sentiment":"neutral","sentiment_score":-0.044925750931724906},{"text":"That's for sure.","start":15.605,"end":16.585,"sentiment":"neutral","sentiment_score":0.03196239719788233}],"sentiment":"neutral","sentiment_score":-0.022646198335748453,"channel":1,"num_words":13,"start":13.684999,"end":16.585},{"sentences":[{"text":"I was just giving you a call today so we could have a bit of a chat with regards to the money that you wanted to re withdraw.","start":19.795,"end":27.654999,"sentiment":"neutral","sentiment_score":0.030870567741138593},{"text":"Sorry.","start":29.154999,"end":29.654999,"sentiment":"neutral","sentiment_score":-0.0035351943224668503}],"sentiment":"neutral","sentiment_score":0.029684162152738405,"channel":0,"num_words":29,"start":19.795,"end":29.654999},{"sentences":[{"text":"Yes.","start":30.169998,"end":30.669998,"sentiment":"neutral","sentiment_score":0.08363953232765198}],"sentiment":"neutral","sentiment_score":0.08363953232765198,"channel":1,"num_words":1,"start":30.169998,"end":30.669998},{"sentences":[{"text":"Was now still a good time?","start":30.47,"end":32.25,"sentiment":"neutral","sentiment_score":0.17146000390251478},{"text":"Sorry, Mark.","start":38.63,"end":39.53,"sentiment":"neutral","sentiment_score":0.012597580440342426},{"text":"Was now okay?","start":39.91,"end":40.89,"sentiment":"neutral","sentiment_score":0.035681089386343956},{"text":"Mark?","start":47.805,"end":48.305,"sentiment":"neutral","sentiment_score":0.01181880570948124},{"text":"Hello?","start":48.364998,"end":48.864998,"sentiment":"neutral","sentiment_score":0.008668269962072372}],"sentiment":"neutral","sentiment_score":0.09088350216356608,"channel":0,"num_words":13,"start":30.47,"end":48.864998},{"sentences":[{"text":"I'll try again.","start":54.300003,"end":55.36,"sentiment":"neutral","sentiment_score":-0.011621335831781229},{"text":"Far","start":55.58,"end":55.9,"sentiment":"neutral","sentiment_score":-0.054322250187397}],"sentiment":"neutral","sentiment_score":-0.022296564420685172,"channel":1,"num_words":4,"start":54.300003,"end":55.9},{"sentences":[{"text":"Oh,","start":55.805,"end":56.045,"sentiment":"neutral","sentiment_score":-0.08218801766633987}],"sentiment":"neutral","sentiment_score":-0.08218801766633987,"channel":0,"num_words":1,"start":55.805,"end":56.045},{"sentences":[{"text":"out.","start":55.9,"end":56.4,"sentiment":"neutral","sentiment_score":-0.07860320806503296}],"sentiment":"neutral","sentiment_score":-0.07860320806503296,"channel":1,"num_words":1,"start":55.9,"end":56.4},{"sentences":[{"text":"didn't go.","start":56.045,"end":56.864998,"sentiment":"neutral","sentiment_score":-0.1565290242433548}],"sentiment":"neutral","sentiment_score":-0.1565290242433548,"channel":0,"num_words":2,"start":56.045,"end":56.864998},{"sentences":[{"text":"It keeps connecting to a Bluetooth device.","start":56.460003,"end":58.7,"sentiment":"neutral","sentiment_score":-0.28011342883110046},{"text":"I've turned my Bluetooth off now.","start":58.7,"end":60.480003,"sentiment":"neutral","sentiment_score":-0.18875309576590857}],"sentiment":"neutral","sentiment_score":-0.23794712126255035,"channel":1,"num_words":13,"start":56.460003,"end":60.480003},{"sentences":[{"text":"You're okay.","start":60.83,"end":61.730003,"sentiment":"neutral","sentiment_score":-0.009251311421394348},{"text":"That's fine.","start":61.79,"end":62.43,"sentiment":"neutral","sentiment_score":0.07206462509930134},{"text":"Now we're still good?","start":62.43,"end":63.65,"sentiment":"neutral","sentiment_score":0.107562106102705}],"sentiment":"neutral","sentiment_score":0.06948438147082925,"channel":0,"num_words":8,"start":60.83,"end":63.65},{"sentences":[{"text":"Yeah.","start":63.82,"end":64.06,"sentiment":"neutral","sentiment_score":0.12708738446235657},{"text":"We're all good.","start":64.06,"end":64.7,"sentiment":"neutral","sentiment_score":0.21054201324780783},{"text":"Sorry about that.","start":64.7,"end":65.68,"sentiment":"neutral","sentiment_score":-0.09119490782419841}],"sentiment":"neutral","sentiment_score":0.06930410010474068,"channel":1,"num_words":7,"start":63.82,"end":65.68},{"sentences":[{"text":"No.","start":66.03,"end":66.270004,"sentiment":"neutral","sentiment_score":-0.03323664143681526},{"text":"You're so fine.","start":66.270004,"end":67.23,"sentiment":"neutral","sentiment_score":0.06888251254955928},{"text":"Well, before we jump into it, I do need to let you know our calls are recorded.","start":67.23,"end":69.71,"sentiment":"neutral","sentiment_score":0.014173962394980824},{"text":"And if I could, just get you confirmed security.","start":69.71,"end":71.39,"sentiment":"neutral","sentiment_score":0.05137755059533649},{"text":"It's full name, date of birth, and","start":71.39,"end":72.825,"sentiment":"neutral","sentiment_score":0.04001766523080213}],"sentiment":"neutral","sentiment_score":0.031267293754058914,"channel":0,"num_words":37,"start":66.03,"end":72.825},{"sentences":[{"text":"Mark Gregory Hill.","start":73.875,"end":74.835,"sentiment":"neutral","sentiment_score":0.030044081310431164},{"text":"Forty eleven seventy five.","start":74.835,"end":76.195,"sentiment":"neutral","sentiment_score":0.01630448317155242},{"text":"67 Foster Street, Rownton, Tas.","start":76.195,"end":78.375,"sentiment":"neutral","sentiment_score":0.01730512697249651}],"sentiment":"neutral","sentiment_score":0.020156317623332143,"channel":1,"num_words":12,"start":73.875,"end":78.375},{"sentences":[{"text":"address.","start":80.185,"end":80.34499,"sentiment":"neutral","sentiment_score":0.025467507541179657},{"text":"Perfect.","start":80.34499,"end":80.84499,"sentiment":"neutral","sentiment_score":0.2978208363056183},{"text":"Okay.","start":81.384995,"end":81.865,"sentiment":"neutral","sentiment_score":0.14044880867004397},{"text":"So I've been working in the back end with Caden with regards to the claims.","start":81.865,"end":87.30499,"sentiment":"neutral","sentiment_score":0.1279128963748614},{"text":"I'm pretty across it.","start":87.30499,"end":88.8,"sentiment":"neutral","sentiment_score":0.13991475850343704}],"sentiment":"neutral","sentiment_score":0.1337313469160687,"channel":0,"num_words":22,"start":80.185,"end":88.8},{"sentences":[{"text":"Yep.","start":89.28999,"end":89.78999,"sentiment":"neutral","sentiment_score":0.1011338084936142}],"sentiment":"neutral","sentiment_score":0.1011338084936142,"channel":1,"num_words":1,"start":89.28999,"end":89.78999},{"sentences":[{"text":"With respect to where things fit.","start":90.48,"end":91.94,"sentiment":"neutral","sentiment_score":0.08383517960707347},{"text":"Now, ultimately speaking, Hub twenty four has approved the PI claim, which is ultimately the super funds equivalent to a TPD claim.","start":92.240005,"end":104.5,"sentiment":"neutral","sentiment_score":0.1157582930543206}],"sentiment":"neutral","sentiment_score":0.10891762588705335,"channel":0,"num_words":28,"start":90.48,"end":104.5},{"sentences":[{"text":"Yes.","start":104.845,"end":105.345,"sentiment":"neutral","sentiment_score":0.10019055008888245}],"sentiment":"neutral","sentiment_score":0.10019055008888245,"channel":1,"num_words":1,"start":104.845,"end":105.345},{"sentences":[{"text":"And what that means is we can essentially withdraw some of the benefits under the actual account.","start":105.185,"end":110.885,"sentiment":"neutral","sentiment_score":0.08521477527478162},{"text":"Now there are a couple of","start":111.105,"end":116.305,"sentiment":"neutral","sentiment_score":0.015797605738043785}],"sentiment":"neutral","sentiment_score":0.06710594843911089,"channel":0,"num_words":23,"start":105.185,"end":116.305},{"sentences":[{"text":"Yes.","start":116.22,"end":116.72,"sentiment":"neutral","sentiment_score":0.011538517661392689}],"sentiment":"neutral","sentiment_score":0.011538517661392689,"channel":1,"num_words":1,"start":116.22,"end":116.72},{"sentences":[{"text":"considerations that we need to 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They Yep.","start_word":1156,"end_word":1166,"intents":[{"intent":"Obtain loan details","confidence_score":0.013368123}]},{"text":"I realistically need to be able to calculate the tax would be just confirming I know it's written in the document, but I always like to confirm.","start_word":1258,"end_word":1284,"intents":[{"intent":"Calculate tax","confidence_score":0.72419554}]},{"text":"But would you be okay if I send you an email with, I guess, Yep. the applicable tax rate Please.","start_word":1454,"end_word":1473,"intents":[{"intent":"Request email with yep. tax rate","confidence_score":0.0058020004},{"intent":"Clarify insurance coverage","confidence_score":0.00009258565}]},{"text":"We went for a holiday last year, and we've that's the first one in in all our years. Like, we've never been able to actually live life and enjoy stress free.","start_word":1509,"end_word":1539,"intents":[{"intent":"Discuss duration of vacation","confidence_score":0.0000103031725}]},{"text":"Well, you know, we just need to talk about how much we're gonna consider taking out, whether we take the lot, for example, or we just and just leave or take a a portion of it.","start_word":1540,"end_word":1575,"intents":[{"intent":"Discuss amount","confidence_score":0.0026687551}]},{"text":"Because, of course, the TPD claim is also still in motion as well, so there's that opportunity Yes.","start_word":1583,"end_word":1600,"intents":[{"intent":"Discuss tpd claim","confidence_score":0.33280614}]},{"text":"Don't get me wrong, but I was led to believe that the TPD pay payout is a tax free payment.","start_word":1660,"end_word":1679,"intents":[{"intent":"Discuss tpd payout","confidence_score":0.2137246},{"intent":"Discuss tpd payout","confidence_score":0.056022953}]},{"text":"TPD, when paid by super so TPD and permanent incapacity are essentially the same thing. It means that you're never able to work. The only difference is TPD or total payment facility is a definition used by an insurer, and PI or permanent incapacity is a definition used by a super fund. Now Okay.","start_word":1694,"end_word":1747,"intents":[{"intent":"Discuss tpd definition","confidence_score":0.10634582}]},{"text":"She's put two different forms in. One was at an earlier date, and now she's re reentered the second one, which is more it's got more definition than the previous, which obviously gave the hub twenty four approval, if that makes sense. Yeah.","start_word":1837,"end_word":1879,"intents":[{"intent":"Clarify form changes","confidence_score":0.011104859}]},{"text":"She's she's, I guess, being a little bit ambiguous with the the care through the form and a little bit more, like, nope. Yeah. And it's Yes. also Yep. a little bit of a time between the two. So it's totally understandable, you know, as your medical case evolve, new things coming to play. Yeah. I know.","start_word":1881,"end_word":1937,"intents":[{"intent":"Confirm understanding","confidence_score":0.029454967},{"intent":"Explain process","confidence_score":0.009041095},{"intent":"Confirm understanding","confidence_score":0.014228014}]},{"text":"It's just so difficult. And I'll tell you what, the whole situation is extremely frustrating So because even those forms won't allow me like, Send a link, so to speak, won't even accept those to to give me a a Not disability payment for goodness sake, They yeah.","start_word":1938,"end_word":1985,"intents":[{"intent":"Explain patient's dissatisfaction","confidence_score":0.00031646993}]},{"text":"So I guess, essentially speaking, if you're wanting to make a more immediate withdrawal, that would come under what industry known as an execution order. So you would basically instruct me to execute a withdrawal for you. It means that I'm not giving you advice. I'm giving you general information and that I've Understand.","start_word":2047,"end_word":2100,"intents":[{"intent":"Explain withdrawal purpose","confidence_score":0.0001015814}]},{"text":"So I guess, essentially speaking, if you're wanting to make a more immediate withdrawal, that would come under what industry known as an execution order. So you would basically instruct me to execute a withdrawal for you. It means that I'm not giving you advice. I'm giving you general information and that I've Understand. done for But Yep. I'm not advising you how much, where to sell it from. Yep.","start_word":2047,"end_word":2116,"intents":[{"intent":"Recommend future withdrawal","confidence_score":0.0009957205}]},{"text":"I'm giving you general information and that I've Understand.","start_word":2092,"end_word":2100,"intents":[{"intent":"Provide information","confidence_score":0.024716385}]},{"text":"I'm not advising you how much, where to sell it from. Yep.","start_word":2105,"end_word":2116,"intents":[{"intent":"Offer help","confidence_score":0.00015616557},{"intent":"Reject advice","confidence_score":0.00035286654}]},{"text":"If you do want to look at advice where we consider longevity, we consider the mortgage, we consider your last income, we can look at all of it to see how we're going to fund things moving forward, we can definitely do that, and we can Yeah.","start_word":2118,"end_word":2164,"intents":[{"intent":"Advise on longevity","confidence_score":0.0012408315},{"intent":"Discuss mortgage","confidence_score":0.12184628},{"intent":"Discuss fundraising","confidence_score":0.00065581856}]},{"text":"could actually roll that account over into Hub twenty four account, obviously, providing the numbers will match up and everything looks good, and we could just consolidate the one account and invest under that account moving forward. Because Yep.","start_word":2304,"end_word":2342,"intents":[{"intent":"Consolidate account","confidence_score":0.49517748}]},{"text":"your Care Super account was literally an insurance. Basically, yeah, because I still hold a current life insurance policy against that too because, sadly, I I wish I'd have come across you guys at hub at Oakview prior to me being diagnosed because now I have no other insurance cover because of my condition.","start_word":2343,"end_word":2396,"intents":[{"intent":"Discuss insurance coverage","confidence_score":0.106087744},{"intent":"Confirm insurance coverage","confidence_score":0.022714846},{"intent":"Suggest insurance coverage","confidence_score":0.00063115015},{"intent":"Express concern about health insurance coverage","confidence_score":0.0007693583}]},{"text":"And it's not gonna decrease that section of it anyway at a minimum. Yeah.","start_word":2883,"end_word":2896,"intents":[{"intent":"Reinvest in insurance","confidence_score":0.0018871871}]},{"text":"Unfortunately, me being missing a link out of the business that I've ran for fifteen years, that's also taken a lot of the cream off the pie because when you're an owner operator, obviously, that you're working essentially for every dollar that you earn pretty much with that Yeah.","start_word":3216,"end_word":3264,"intents":[{"intent":"Inquire about income and benefits of working","confidence_score":0.0000026130501}]},{"text":"Where, unfortunately, I don't have that option anymore. You know what I mean?","start_word":3338,"end_word":3350,"intents":[{"intent":"Express dissatisfaction with previous actions","confidence_score":0.00095081324}]},{"text":"So the business has lost a little bit by me not being able to be in control of it to the degree I used to be. So, essentially, an asset or two maybe ought to be sold off, and some of that can be reinvested. Yeah.","start_word":3385,"end_word":3430,"intents":[{"intent":"Express concern about potential business loss","confidence_score":0.00015199973}]},{"text":"Absolutely. No. if you if you're willing to email me some information regarding tax rates on amounts, etcetera, and Yeah.","start_word":3524,"end_word":3543,"intents":[{"intent":"Express gratitude towards information","confidence_score":4.7180357e-9}]},{"text":"if you if you're willing to email me some information regarding tax rates on amounts, etcetera, and Yeah.","start_word":3526,"end_word":3543,"intents":[{"intent":"Request specifics about tax rates","confidence_score":0.00001717904},{"intent":"Request assistance with personal finance","confidence_score":0.00017347},{"intent":"Provide information on liquidation process","confidence_score":0.00022790724}]},{"text":"I can talk to my partner and figure out what a number would be that we could utilize to actually live a little bit of life because this has been a big upside down turning in our lives, to be honest. Like, it's really yeah.","start_word":3544,"end_word":3588,"intents":[{"intent":"Mention potential contact with contact number","confidence_score":3.9960337e-9}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Hello? Mark. It's from OC Financial. How are you going?","start_word":0,"end_word":11,"sentiment":"neutral","sentiment_score":0.15462511777877808},{"text":"Good. Thank you. How are you?","start_word":12,"end_word":17,"sentiment":"positive","sentiment_score":0.501863420009613},{"text":"Yeah.","start_word":18,"end_word":18,"sentiment":"neutral","sentiment_score":0.2603068947792053},{"text":"Good. Good.","start_word":19,"end_word":20,"sentiment":"positive","sentiment_score":0.439158171415329},{"text":"Friday. Can't complain. Yeah. No. None of us are combined on a Friday. That's for sure. I was just giving you a call today so we could have a bit of a chat with regards to the money that you wanted to re withdraw. Sorry. Yes. Was now still a good time? Sorry, Mark. Was now okay? Mark? Hello? I'll try again. Far Oh, out. didn't go. It keeps connecting to a Bluetooth device. I've turned my Bluetooth off now. You're okay. That's fine. Now we're still good? Yeah. We're all good. Sorry about that. No. You're so fine. Well, before we jump into it, I do need to let you know our calls are recorded. And if I could, just get you confirmed security. It's full name, date of birth, and Mark Gregory Hill. Forty eleven seventy five. 67 Foster Street, Rownton, Tas. address. Perfect. Okay. So I've been working in the back end with Caden with regards to the claims. I'm pretty across it. Yep. With respect to where things fit. Now, ultimately speaking, Hub twenty four has approved the PI claim, which is ultimately the super funds equivalent to a TPD claim. Yes. And what that means is we can essentially withdraw some of the benefits under the actual account. Now there are a couple of Yes. considerations that we need to make. I'm Yep. Risa. One is that the superannuation benefit is actually taxable. So Yeah. And I yep. so what that means is we can pay up to 22%. Now there is a kind of full calculation that can be done that is based on a few additional details Yes. that will enable us to kind of reduce the tax payable. Okay. I wanted to confirm with you just to make sure I had the right details, because what I can do is go away and have a look at what tax payable would be applicable to the withdrawal would be. Because Yes. it's calculated as of the date we as of the date you the date you finished work, the your date of birth is at '65. So it's basically your birthday when you would intend to be five. And, Yep. essentially, what what's referred to as the reference date of your account or eligible service date. Yep. Now the eligible service date is basically calculated in the back end of the super fund, and it'll be sort of the oldest date of either the first date you started working, the first date a superannuation account was opened, or the account in question was opened. Now Yep. the account with Hub twenty four was rolled over from your CareSuper account initially. So both Correct. of the accounts have the same eligible service date.","start_word":21,"end_word":479,"sentiment":"neutral","sentiment_score":0.04780337432793023},{"text":"So I just wanted to, I guess, find out essentially how much you wanted to actually withdraw and, I guess, where things fit and what you're wanting to achieve for the long term.","start_word":480,"end_word":512,"sentiment":"positive","sentiment_score":0.3674773871898651},{"text":"Because there's, you know, acting now and withdrawing money now and depending on the service that you're intending for that money or the purpose that money is going to serve, there is then also on the other side of things, the longevity of the Yeah. Understand. Yep. So I guess what's the goal with the withdrawal of funds is what we push it. I guess there would be some things I could I could use for living money, essentially, because my wife's working at the moment, and I'm currently not working. And I am on a job seeker payment, which because I haven't even been approved for a disability payment, which I've never had any type of government assistance payment in my life ever. And she gets a carer's allowance for me, which she gets a bigger payment than I do. So, essentially, some weeks, I can get I think I've only ever received one full payment of $726 for the fortnight, and the rest of the time has been based on whatever she earning, because she's limited to what she can earn because she doesn't want to affect my health care card or any of that type of stuff, which is reasonable and fair. So I've gotta assess whether I use some of that money to either pay off a small amount of personal debt or use it as living money or actually take a holiday, which I've never had, and just enjoy it.","start_word":513,"end_word":757,"sentiment":"neutral","sentiment_score":0.12440913292218228},{"text":"I'm not not a 100% sure, really.","start_word":758,"end_word":764,"sentiment":"negative","sentiment_score":-0.3405846059322357},{"text":"No. That's okay. They asked how much customer debt do you have? We've only got our house loan, but there are a couple of things we wanted to do because we've we before I got sick, we built a new home, and there are a couple of things I'd like to do just to finish off outside, you know, like, essentially, some stuff in our shed, which keeps me occupied as a hobby. I mean, I don't know.","start_word":765,"end_word":842,"sentiment":"neutral","sentiment_score":0.08190396428108215},{"text":"It's it's just a really hard call at the end of the day.","start_word":843,"end_word":855,"sentiment":"negative","sentiment_score":-0.3705703318119049},{"text":"We'd I don't know. I really don't know what if I could spend it on a million things. Don't get me wrong, but I need to make the priority the right choice. You know what I mean? Yeah. No.","start_word":856,"end_word":894,"sentiment":"neutral","sentiment_score":-0.1469718962907791},{"text":"No.","start_word":895,"end_word":895,"sentiment":"negative","sentiment_score":-0.3664841651916504},{"text":"I I do get that. Okay. So if you were to pay off the mortgage Yep. and do the rep in ten years or the virus now. Yep. What's the figure that you would need? Oh, yeah. I mean, well, over and above what I've got in the super, unfortunately. Yeah. I'm Okay. just talking that I could reduce some of it or just keep it simply for living money and use it to make the current payments and take some financial pressure off my wife for a few months, twelve months, or whatever. Like, I don't even know if it's the right thing to take 50,000 or 80,000 and leave a surplus in there, or I don't really know what the right answer is. Okay. Well, there's a couple of different I think I can definitely have a look at advice overall that would look into taxes applicable if we did a withdrawal, that uplift calculation that happened, which saves us paying a little bit less tax. Yep. I can also have a look at comparing, you know, the money growth in your fund versus popping that money onto the mortgage and the differential or the sorry, difference that it has between so I guess those two avenues of investment versus, Yep. you know, interest payable Yeah. Yeah. I'm the same. and sort of provide that to have a bit more of a conversation and go from there. Now that will take me a couple of weeks after you get me a loan, like, your your updated loan documents. I need to know the details of the loan. They Yep. And for and interest and all this rate. information determines the tax payable on the the withdrawal. Was that what the point you're trying to make? That and, like, the the loan document doesn't, but if you want me to sort of, I guess, compare and give you actual advice on whether you should take the money out and put it on the mortgage or whether you should leave it in the fund to grow for the future, that's where that loan document comes in. Yeah. The only thing I understand. I realistically need to be able to calculate the tax would be just confirming I know it's written in the document, but I always like to confirm. And, honestly, I was just looking yesterday, so I can't quite remember the date right now. But No. That's take okay. a look at them again. The date Oh, that you last what? it was March 2025. Cool. Not So maybe. the date the date I was diagnosed with the tumor was, like, literally the very next morning or that day, I had the the MRI. They rang me and said you will not leave home. You will be accompanied by a carer or your partner at all times, and you are not to drive, go to work, do anything from this day forward. Yeah. Okay. Cool. Alright. So And, no. obviously, That's okay. I haven't been employed since. Yeah. No. No. That's okay. I may may ring the bell, so that's alright. And outside of that, what I will do is I can do the math calculation. It is a little bit of a complex math calculation, and I do have a bit of a backlog day today. But would you be okay if I send you an email with, I guess, Yep. the applicable tax rate Please. for the Yep. account? Because that'll that'll give me a determination, like, I'll talk to my partner about it, whether we take a certain amount to to do exactly what we've never well, we did. We went for a holiday last year, and we've that's the first one in in all our years. Like, we've never been able to actually live life and enjoy stress free. Well, you know, we just need to talk about how much we're gonna consider taking out, whether we take the lot, for example, or we just and just leave or take a a portion of it. I'm I'm still undecided, to be fair. Because, of course, the TPD claim is also still in motion as well, so there's that opportunity Yes. too. Yes. And that would have the same applicable tax payable. I I've guess always there to is I was led to believe that it was actually tax free, that TPD insurance claim. sorry? Do you know who led you to believe that? I I think Kaiden might have mentioned it, but I'm not throwing him under the bus. Don't get me wrong, but I was led to believe that the TPD pay payout is a tax free payment.","start_word":896,"end_word":1679,"sentiment":"neutral","sentiment_score":-0.016148337620673987},{"text":"I I I could be very much mistaken.","start_word":1680,"end_word":1687,"sentiment":"negative","sentiment_score":-0.5305711627006531},{"text":"I'm not sure. No. That's okay. TPD, when paid by super so TPD and permanent incapacity are essentially the same thing. It means that you're never able to work. The only difference is TPD or total payment facility is a definition used by an insurer, and PI or permanent incapacity is a definition used by a super fund. Now Okay. your TPD, the actual insurance benefit that you pay a premium for, is owned by a super fund, which means it actually has to meet both a TPD and a PI definition, which essentially, if you meet a TPD definition, you have met a PI Okay. Yep. But the hub twenty four PI claim's obviously gone through. It's Yep. a caregiver, which I know that Caden spoke to you yesterday yesterday about going to the your doctor, getting an updated Yes. Correct. medical Because certificate. the form changed. Yeah. She's put two different forms in. One was at an earlier date, and now she's re reentered the second one, which is more it's got more definition than the previous, which obviously gave the hub twenty four approval, if that makes sense. Yeah. Yeah. She's she's, I guess, being a little bit ambiguous with the the care through the form and a little bit more, like, nope. Yeah. And it's Yes. also Yep. a little bit of a time between the two. So it's totally understandable, you know, as your medical case evolve, new things coming to play. Yeah. I know.","start_word":1688,"end_word":1937,"sentiment":"neutral","sentiment_score":-0.05044426116347313},{"text":"It's just so difficult. And I'll tell you what, the whole situation is extremely frustrating So because even those forms won't allow me like, Send a link, so to speak, won't even accept those to to give me a a Not disability payment for goodness sake, They yeah. They require their own phone. which is completely ridiculous. Like, anyway, we're not going on about that because they were to just yeah.","start_word":1938,"end_word":2008,"sentiment":"negative","sentiment_score":-0.5219706296920776},{"text":"Be here It's forever. in No. I know.","start_word":2009,"end_word":2016,"sentiment":"neutral","sentiment_score":-0.2264529764652252},{"text":"that's in storage for another day, but I I can't see the logic if if you understand where I'm coming from.","start_word":2017,"end_word":2037,"sentiment":"negative","sentiment_score":-0.4246368408203125},{"text":"Yeah. No. No. I I do get it. Yep. So I guess, essentially speaking, if you're wanting to make a more immediate withdrawal, that would come under what industry known as an execution order. So you would basically instruct me to execute a withdrawal for you. It means that I'm not giving you advice. I'm giving you general information and that I've Understand. done for But Yep.","start_word":2038,"end_word":2104,"sentiment":"neutral","sentiment_score":-0.15935757756233215},{"text":"I'm not advising you how much, where to sell it from.","start_word":2105,"end_word":2115,"sentiment":"negative","sentiment_score":-0.4544084072113037},{"text":"Yep.","start_word":2116,"end_word":2116,"sentiment":"neutral","sentiment_score":-0.10716871917247772},{"text":"If you do want to look at advice where we consider longevity, we consider the mortgage, we consider your last income, we can look at all of it to see how we're going to fund things moving forward, we can definitely do that, and we can Yeah.","start_word":2117,"end_word":2163,"sentiment":"positive","sentiment_score":0.35825544595718384},{"text":"pick that up at any time that you're wanting to sort of look at it. I One of the things that I can see, and this is all obviously depending on understand. CareSuper accepting the Yep. claim, is that what's gonna happen with the TPD claim is once it's approved, the TPD amount will be released from MetLife, who is Yep. the insurer, Yep. and that gets released into the CareSuper super account. Oh, is that how it works? I wonder. Yeah. Yeah. Yeah. Because, like, the CareSuper account is actually the owner. You're the life insured. Yes. So they pay the owner of the account. What we could do from there is there's a couple of different avenues. Because once your TPD payment will be paid, you'll have no other insurance in the account to be claimed. We No. could actually roll that account over into Hub twenty four account, obviously, providing the numbers will match up and everything looks good, and we could just consolidate the one account and invest under that account moving forward. Because Yep. your Care Super account was literally an insurance. Basically, yeah, because I still hold a current life insurance policy against that too because, sadly, I I wish I'd have come across you guys at hub at Oakview prior to me being diagnosed because now I have no other insurance cover because of my condition. Luckily, I do have another life insurance policy with Real as well, which is prior to the incident. Which So is fine.","start_word":2164,"end_word":2418,"sentiment":"neutral","sentiment_score":0.07518864423036575},{"text":"Yeah. I have two life insurance policies, which is which is a good amount of money that could help either my wife or, you know, if sadly, if anything did go wrong, they still exist, and that's really important to me for for the family.","start_word":2419,"end_word":2463,"sentiment":"positive","sentiment_score":0.3936493396759033},{"text":"So with your Care Superfund, the life and the TPD insurance, they're actually linked. So it means Right. that if you upon the approval of the TPD benefit, it will reduce the life benefit by the amount of TPD paid, Didn't know which that.","start_word":2464,"end_word":2507,"sentiment":"neutral","sentiment_score":-0.05345489084720611},{"text":"essentially means that your PPD policy is going to reduce your life benefit to zero.","start_word":2508,"end_word":2522,"sentiment":"negative","sentiment_score":-0.3591858148574829},{"text":"Do you know what I recommend? Staking jam Mhmm. CPD and leave it there as a as a life so that I didn't know that. That needs to stay there then, and all that amount needs to stay as a life insurance policy in my opinion. We can always claim it out so that way you no longer pay the premium because then it's no longer a costing code to you.","start_word":2523,"end_word":2593,"sentiment":"neutral","sentiment_score":-0.016277238726615906},{"text":"We ensure that we keep the that amount of money sitting in your super fund because then it's no longer an insurance claim. It's your money. You've met a condition of relief.","start_word":2594,"end_word":2625,"sentiment":"positive","sentiment_score":0.3847852945327759},{"text":"We just be smart with what we release, and you make sure that you we keep that money set aside with the intended purpose of Okay. it being Yeah. No. a I didn't life benefit. think of it like that either. That sense. No. That's it. I'm I'm Yeah. just spitballing. Yeah. So that that makes sense. So the money still exists. So just it'll just remain in a super, and potentially, it may even actually grow a little bit. Exactly. Rather than the life insurance benefits that's under care super. Don't Yep. quote me, but I was reading the PDF the other month, and I'm quite sure it's actually a decreasing benefit. So as you get older, the amount gets lower. I'd have to look Broad. at it Okay. again to confirm what those step downs are. Broad. But That at least makes we sense. Yep. we we lock it we are locking the claim amount now. Again, I'm I'm just exploring and talking to you as I go through Yep. near on the firing, so to speak. So it's just it's kind of options that are available to us. The I'm claim the to same. TPD is already sitting there, so it is an avenue we could we can go through. It's just all of this is, I guess, depending on what you want. So you Yep. do have the a real life insurance benefit as well. Yep. So that that obviously gives you reassurance that there is insurance there Because too. yeah. I understand. And it's not gonna decrease that section of it anyway at a minimum. Yeah. Because I own a business that I can't work in, obviously, and I'll have equipment and assets that I'll be able to sell off. So I'll be able to contribute to that super fund as a personal contribution down the track as well, you know, depending on the Yes. And and definitely something we can look at situation. future leading. The Yep. the last certificate of current day I have for your real life cover was back in twenty twenty twenty twenty four. Yep. So it's a couple years old, but it's sitting at $268,000 on Yes. that life benefit. Yes. So you've you've still got that money sitting there as well in terms of insurance, if anything goes. For sure. Yeah. But if I can get a a lot more value out of the life by the TPD claim being approved, sit that aside, leave that untouched, and then some assets of mine in the future that I can discard or can make personal contribution moving forward so that adds to the life insurance for the family. You know what I mean? Yeah.","start_word":2626,"end_word":3080,"sentiment":"neutral","sentiment_score":0.07243659616662906},{"text":"Absolutely. And it's a perfectly valid strategy that we could look Yep.","start_word":3081,"end_word":3092,"sentiment":"positive","sentiment_score":0.3960123658180237},{"text":"to implement. It's just totally I mean, it does sound really good, but but, like, I'd look like to actually look at, you know, how it works on, like, the longevity services and Yep. and what we could do future leading. It's just, I guess, depending on whether you wanna look at doing all this now or whether you just wanna try and get through the claims, get a little bit of money withdrawn if, I think you so. know, Yeah.","start_word":3093,"end_word":3173,"sentiment":"neutral","sentiment_score":0.19161610305309296},{"text":"you're I think that's comfortable, step one.","start_word":3174,"end_word":3180,"sentiment":"positive","sentiment_score":0.3620256781578064},{"text":"And then and once then I'll move pick forward up because a. some of this equipment's still working with people on it. You know?","start_word":3181,"end_word":3204,"sentiment":"neutral","sentiment_score":0.2359863817691803},{"text":"It's still generating a business it's keeping the business alive.","start_word":3205,"end_word":3214,"sentiment":"positive","sentiment_score":0.4172751605510712},{"text":"Unfortunately, me being missing a link out of the business that I've ran for fifteen years, that's also taken a lot of the cream off the pie because when you're an owner operator, obviously, that you're working essentially for every dollar that you earn pretty much with that Yeah.","start_word":3215,"end_word":3263,"sentiment":"negative","sentiment_score":-0.3763746321201325},{"text":"machine or piece of plant or truck or whatever it may have been. It it doesn't incur it only incurs a minimal wage if you choose to do so, an insurance benefit, obviously, for workers' compensation public liability, fuel expenses, and wear and tear, but I can essentially be a cheap or zero wage in some regard, and that money can go into the business and be saved and benefit the business moving forward.","start_word":3264,"end_word":3337,"sentiment":"neutral","sentiment_score":-0.009356565773487093},{"text":"Where, unfortunately, I don't have that option anymore.","start_word":3338,"end_word":3345,"sentiment":"negative","sentiment_score":-0.3691321015357971},{"text":"You know what I mean? Yeah. It's it's like Yeah. you're You you employing a cleaner when you could clean yourself with no no cost. Yes. If it that's in in simple layman's terms. You know what I mean?","start_word":3346,"end_word":3384,"sentiment":"neutral","sentiment_score":-0.060173578560352325},{"text":"So the business has lost a little bit by me not being able to be in control of it to the degree I used to be.","start_word":3385,"end_word":3410,"sentiment":"negative","sentiment_score":-0.3652073740959167},{"text":"So, essentially, an asset or two maybe ought to be sold off, and some of that can be reinvested. Yeah. And it it would just, I guess, depend on the timeline that that actually is executed Yes. Correct. and and how the liquidation looks. But, yeah, it's definitely something we can when you're in the headspace headspace to do it. Yeah. To get me head around it because I'm still not I'm still too proud to even get rid of anything at this point. Like Yeah. anyway, No. That's completely let's not fair. dwell on that. I've dwelled on that for the last fourteen to sixteen months. But, anyway Yeah. That's completely fair. Absolutely. No. if you if you're willing to email me some information regarding tax rates on amounts, etcetera, and Yeah. I can talk to my partner and figure out what a number would be that we could utilize to actually live a little bit of life because this has been a big upside down turning in our lives, to be honest. Like, it's really yeah. Yeah. It's been been challenging. Yeah, man. No. Absolutely. I'll what I'll do is I will calculate what the tax uplift would be, Yep. and then I will try and break that down in a simple layman's terms as possible. Yep. And and we can go from there.","start_word":3411,"end_word":3636,"sentiment":"neutral","sentiment_score":-0.09067783755275},{"text":"Awesome. Thank you. That's okay. Alright. Perfect. I'll get cracking, and I'll get back to you by Monday.","start_word":3637,"end_word":3654,"sentiment":"positive","sentiment_score":0.4581306576728821},{"text":"K k? No worries at all.","start_word":3655,"end_word":3660,"sentiment":"neutral","sentiment_score":0.21182678639888763},{"text":"Thank you so much. I really appreciate it. That's okay, ma'am. Not a problem at all.","start_word":3661,"end_word":3676,"sentiment":"positive","sentiment_score":0.6735823750495911},{"text":"If you have any other questions, give me a callback. No worries at all.","start_word":3677,"end_word":3690,"sentiment":"neutral","sentiment_score":0.2587446868419647},{"text":"Thank you. Thanks. Bye.","start_word":3691,"end_word":3694,"sentiment":"positive","sentiment_score":0.5601489543914795},{"text":"Bye.","start_word":3695,"end_word":3695,"sentiment":"neutral","sentiment_score":0.2718620002269745}],"average":{"sentiment":"neutral","sentiment_score":0.01771325270492158}}}}