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Address, 6146 Albany Street, Point Frederick, New South Wales 2250, and my date of birth is 01/03/1966. I am now. Yes. Okay. I'm good. Thanks. No. Yes. Yes. Yes. I had said in my message in my email what it was about. I have just turned 60. I'm a home care worker, and it's I'm incredibly stressed by it, and I've decided I'm retiring in the next few months. I'm selling my unit, and I'm buying a van and expecting to probably walk away with 450 k from it, of which a 120 will probably go to the van. And then I was wanting to get some advice on how to move forward because the balance I would like to put most of that into my super this is I would I'll be living off this for a while, but I think it'll be better off growing in my super than it would me trying to put it in the bank. And and I also wanna take advantage where I can of the caps and the tax advantages. I also want to take a pension and maybe put some back so that I don't have that would might not pension, but take super out. Oh, as a pension. Because I'm not able to get pension state pension yet. But I also don't want my kids to have to be taxed too much when I go with what's left. So, you know, I'm just asking how best to deal with this. If I can sell before the June, how much am I able to put in to this year and to next year? And is it a 15% tax coming in still? A lot. Yes. Yeah. $2.19. Yes. Yes. My state agent thinks he can get up to $7.90 between $7.50 and $7.90. And then there's also the cost related to selling and everything else. Yes. Yeah. Yeah. Yes. But if I'm choosing not to work, can I still get unemployment? Okay. It's that I am going to be in a van all over Australia. Yes. Yes. It's not gonna even be 50. It'll be under because I've also got travel expenses and the depreciation on my car and stuff like that. I'm just gonna sign list. Like, if I can, I want to stop working the latest, the April? Let me just find my case. I'm sorry. It's it's a tricky one because it's packaged because of home care work and non non not for profit. So at the moment, my year to date, taxable is 24 and a half. Nontaxable is four and a half, and my tax is only $2.04. So on top of that, they'll probably be around 7 or 8,000 in expenses I can claim. So my tax bill last year was for the first year that I've done it, and I've got a refund for the first time in very, very long time. So I feel like I'll probably still get a bit of a tax refund. I'm not too sure how much, though. Yes. Yeah. That might also just be I'm just looking at that. Our company changed names in July or businesses in July, so I'm not sure if that's from first of I feel like they would have done it from July 1. So it's a very poorly paid job. Yes. Yeah. Okay. Yes. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yes. No. On the 18,000. Yeah. Yep. Yep. It will. Yeah. Yeah. Yeah. Yeah. Yeah. Yes. No. Because it that's where the from? Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Okay. Yeah. Okay. And then I what? In one year or over time? But then I need to live because I'm not gonna have any income. So Yeah. Yeah. Okay. And then and then is that the 10% limit, though? It's 10% of whatever is in your fund. Yeah. Okay. Not restricted to 10 percent. But that, I thought, was something I'd have to do because I was under under 67. Okay. So that my intention is to do that. I will probably need to draw a pension in if I if I resign for the April, I'm gonna need money from April. See, that's the tricky thing because I've got all the stuff to set up. So Yeah. Yeah. But the money no. But the the money is only gonna come in after I've resigned. So, you you know, the the sale will probably only go through in June. Because I'm going to South Africa for March. So I've got to then come back and sort the unit out so that it looks sellable. And then it's like it will sell quickly because the guy that sold it to me, he always within a week or two, his stuff's gone. So it's I'm gonna need money probably for April, May, June because I'm gonna still have a bit of a mortgage. I'm still gonna have my mortgage for April and May and some of June. And at the moment, like, I'd say probably 1,500 a week until the sale through. Yeah. I wanted to have this conversation with you first. Otherwise, I don't know because I'm going away for March. I don't know if they're gonna expect me to then do four weeks or if they will let me resign at the February and finish, you know, on Easter Monday. Yeah. Yeah. Yes. Yeah. Yeah. Yes. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Okay. Okay. Okay. Alright. Question? Yes. No. Definitely return before because I need to fix things up, and I need to pack and sell and get rid of, you know, stuff. So but my question again is when they do the settlement, does it is it helpful can they pay you directly instead of it coming into my account and me paying it to you? Can okay. Okay. Yeah. Yeah. Yeah. Yeah. Yeah. Okay. I'd have to go into the bank to do that because that's a big sum. They won't bank, so it won't be a problem. Okay. Okay. So all of that in my head, I just need to clarify. Sorry. The way you're talking now, I am not gonna be taxed at 15% on what I put in there. The problem with that, I'm not gonna know what my taxable income is until my accounts are done because I have all those other expenses that my tax agent puts through for me as well. So I'm in yeah. Yeah. Thank you. Yeah. Yeah. Okay. It would be a little just a couple of brand because it's not gonna be much, but it'll be a nice It's all always good. Yep. Okay. Confessional. The nonconfessional. Okay. Yeah. Yeah. Yeah. Yeah. Okay. The again, back to like, the amount that I give you will probably be around 300 because I'd like to keep a little nest egg out for emergencies and then yeah. Just have the nest egg just in case something happens and it's like I might need more money out. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Okay. Well, I I yeah. I would probably just give you the 300 to work with, and then whatever's left, I would then put it into a savings account that I say has fairly easy access to in a in the case of an emergency. Yeah. But it but it might not get to me for a couple of days or whatever. Yeah. Yeah. Oh, okay. But then I'm asking. Okay. Yeah. Yeah. Yeah. Okay. Yeah. I'm not I'm also 100% happy, but I have this conversation all the time with some of the new stuff. It's not moving well. I think he moved me into a a few or they're all ETFs now, I think. And I'm not sure. Like, I just it's fluctuating a lot. I am one of those people that checks every other day. So I feel well, it was to cover the mortgage, and I'm not gonna have the mortgage. But then, like, I don't the kids will have a van to sell and, you know, something critical happens. How like, if something happens to me, it is a binding nomination for my kids to share. How long does that take? Because I guess yeah. Like, if I died for them to get paid out, how long does that take? So oh, so so that's interesting. So if it's like a the binding nomination, can can that just mean it goes directly to the kids and it's not part of my state? They've put 20 one and 24. 21 and 24 now. Yeah. Yeah. Okay. Yeah. Oh, I'd rather do the direct. They wouldn't care. They'd rather so that they can sort out, you know, whatever. Yes. Yes. Yeah. Yeah. Yeah. But then what's the thing where and that will be only the money that in or is it all whatever is left in my super, they will be taxed on? Or the con yeah. Okay. I do have a component that is not taxable be I think because it was moved from The UK to Australian Super, And there was an amount that I think Yeah. Yes. And that's The UK. Yeah. That's okay. That would be taxable. Yeah. You can't start you can't start doing it fairly soon. Yeah. Yeah. Yeah. 100 and 20. Yeah. Because that's that's what I saw somewhere. Yeah. Okay. Yeah. I can't hear. '30. It sounds so far away. It's like that meme on Facebook where they say, you know, I love seventies music. I love the music back, you know, twenty years ago or thirty years ago, and I guess, no. That's actually fifty years ago. That's me gets me every time because I'm like, oh my god. I can't believe it would yeah. Okay. I hear you on that. But so that would be part of our planning now. Yeah. Yeah. Yeah. Yeah. I'm sorry. I think I'm I just need to make my it work in my head. Okay. So once I retire and the last lot of super goes into Australian super, the last contributions, I will then we can trigger moving that over as well. So once I tell you when I've retired, then so if I can be the March, that would be awesome. And then April so in May, we can move all of Australian super over. Yeah. Yes. Yeah. Yeah. Yeah. Yeah. And that might might be able to bring it. I just don't know yet. Yeah. Yeah. Yeah. Yeah. And start and starter. And my starter is 1,400 a quarter for a very old block of units with no lift. But electricity, water, all of that. But then I will other fees that yeah. It's around yeah. Yeah. Because at the moment, it's what is it? It's probably about 1,200 a week now. Just and they they have to buy yeah. Yeah. Yeah. And I'd rather it would say doing its job. Well, you also with your advising, are you also gonna then go if this is how much is coming in, this is how much it will last you if you take out 15 yes. Yeah. The way you got and and it'll basically say you're gonna have to kill yourself when you're 89 because that's when it's gone. Yeah. Thank you. Yeah. Yeah. I was I know. Like, I am with work and everything else, and it's definitely having an effect on my health, I think. But that's I'm not going there because it was a line of work I've chosen just in the last few years because I'm, like, a bookkeeper, accountant, auditor, all of that stuff by trade back in the day. So that's why I've got all the questions. But Well, I've done that. Yeah. I don't wanna do that anymore. I don't wanna I've been trying to get out of this job for, like, the last six months, and they don't want somebody my age. But I'm happy on my travels. We need a cafe hand person, a waitress. We this person to come and help us in the office for a short while. All of that? Yeah. So that's all. Yeah. Yeah. Oh, sorry. No. Good. Yeah. Yes. Yes. Yeah. Yeah. Yeah. No. No. That sounds good. I'll know more anyway because I will I will talk to my upline and just ask her what I am and and not able to do. Because they've got a plan for me not being there for the next three weeks anyway, so they may as well continue with that line, I guess. Yeah. I just don't wanna put myself through this anymore. I'm just so done with it. So perfect. Thank you. And I'll just I'll wait the second to the March 20. So if you send me stuff, I might not be able to do too much with it because I'll be using my dad's Wi Fi and stuff. And on the Monday the second. Yeah. To South Africa to again so I don't know what Wi Fi I'm gonna have there. The twentieth. I'm back in Australia on the '20 Friday the twentieth. Yeah. Yeah. Yeah. It's just it's an email, like, now just so that I've got it because then I can let you know what the deal is at least with the with, like, finishing work stuff. I guess that's the mode thing right now is that yeah. Yeah. Alright. Thank you so so much. Oh, good. Oh, good. Thank you. Oh, yes. Me too. And six. I do. But it's so touching though because it's weird. The Wi Fi doesn't work very well. Yes. I think it should be. I think it should be. I think I did it only in November or December or I think yeah. Yeah. Because what I've I've got on my to do list is as soon as I know I can retire, I'll cancel the TPD for that. And once the unit's sold, I'll cancel the insurance life insurance, and then I can move it when my last payment goes in. Oh, I'll tell you. And then you you can move it for the move it over to your side. Yeah. Alright. Okay. Yeah. Thank you. Alright. Okay. Thank you, Erisa. 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addie, hi. It's Carol Farrell. I'm just waiting for Larissa's call because I've got plans later. Okay. Sure.\n\nAddress, 6146 Albany Street, Point Frederick, New South Wales 2250, and my date of birth is 01/03/1966. I am now. Yes. Okay. I'm good.\n\nThanks. No. Yes. Yes. Yes.\n\nI had said in my message in my email what it was about. I have just turned 60. I'm a home care worker, and it's I'm incredibly stressed by it, and I've decided I'm retiring in the next few months. I'm selling my unit, and I'm buying a van and expecting to probably walk away with 450 k from it, of which a 120 will probably go to the van. And then I was wanting to get some advice on how to move forward because the balance I would like to put most of that into my super this is I would I'll be living off this for a while, but I think it'll be better off growing in my super than it would me trying to put it in the bank.\n\nAnd and I also wanna take advantage where I can of the caps and the tax advantages. I also want to take a pension and maybe put some back so that I don't have that would might not pension, but take super out. Oh, as a pension. Because I'm not able to get pension state pension yet. But I also don't want my kids to have to be taxed too much when I go with what's left.\n\nSo, you know, I'm just asking how best to deal with this. If I can sell before the June, how much am I able to put in to this year and to next year? And is it a 15% tax coming in still? A lot. Yes.\n\nYeah. $2.19. Yes. Yes. My state agent thinks he can get up to $7.90 between $7.50 and $7.90.\n\nAnd then there's also the cost related to selling and everything else. Yes. Yeah. Yeah. Yes.\n\nBut if I'm choosing not to work, can I still get unemployment? Okay. It's that I am going to be in a van all over Australia. Yes. Yes.\n\nIt's not gonna even be 50. It'll be under because I've also got travel expenses and the depreciation on my car and stuff like that. I'm just gonna sign list. Like, if I can, I want to stop working the latest, the April? Let me just find my case.\n\nI'm sorry. It's it's a tricky one because it's packaged because of home care work and non non not for profit. So at the moment, my year to date, taxable is 24 and a half. Nontaxable is four and a half, and my tax is only $2.04. So on top of that, they'll probably be around 7 or 8,000 in expenses I can claim.\n\nSo my tax bill last year was for the first year that I've done it, and I've got a refund for the first time in very, very long time. So I feel like I'll probably still get a bit of a tax refund. I'm not too sure how much, though. Yes. Yeah.\n\nThat might also just be I'm just looking at that. Our company changed names in July or businesses in July, so I'm not sure if that's from first of I feel like they would have done it from July 1. So it's a very poorly paid job. Yes. Yeah.\n\nOkay. Yes. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yes.\n\nNo. On the 18,000. Yeah. Yep. Yep.\n\nIt will. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yes. No. Because it that's where the from? Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nOkay. Yeah. Okay. And then I what? In one year or over time?\n\nBut then I need to live because I'm not gonna have any income. So Yeah. Yeah. Okay. And then and then is that the 10% limit, though?\n\nIt's 10% of whatever is in your fund. Yeah. Okay. Not restricted to 10 percent. But that, I thought, was something I'd have to do because I was under under 67.\n\nOkay. So that my intention is to do that. I will probably need to draw a pension in if I if I resign for the April, I'm gonna need money from April. See, that's the tricky thing because I've got all the stuff to set up. So Yeah.\n\nYeah. But the money no. But the the money is only gonna come in after I've resigned. So, you you know, the the sale will probably only go through in June. Because I'm going to South Africa for March.\n\nSo I've got to then come back and sort the unit out so that it looks sellable. And then it's like it will sell quickly because the guy that sold it to me, he always within a week or two, his stuff's gone. So it's I'm gonna need money probably for April, May, June because I'm gonna still have a bit of a mortgage. I'm still gonna have my mortgage for April and May and some of June. And at the moment, like, I'd say probably 1,500 a week until the sale through.\n\nYeah. I wanted to have this conversation with you first. Otherwise, I don't know because I'm going away for March. I don't know if they're gonna expect me to then do four weeks or if they will let me resign at the February and finish, you know, on Easter Monday. Yeah.\n\nYeah. Yes. Yeah. Yeah. Yes.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Okay. Okay. Okay. Alright.\n\nQuestion? Yes. No. Definitely return before because I need to fix things up, and I need to pack and sell and get rid of, you know, stuff. So but my question again is when they do the settlement, does it is it helpful can they pay you directly instead of it coming into my account and me paying it to you?\n\nCan okay. Okay. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Okay. I'd have to go into the bank to do that because that's a big sum. They won't bank, so it won't be a problem.\n\nOkay. Okay. So all of that in my head, I just need to clarify. Sorry. The way you're talking now, I am not gonna be taxed at 15% on what I put in there.\n\nThe problem with that, I'm not gonna know what my taxable income is until my accounts are done because I have all those other expenses that my tax agent puts through for me as well. So I'm in yeah. Yeah. Thank you. Yeah.\n\nYeah. Okay. It would be a little just a couple of brand because it's not gonna be much, but it'll be a nice It's all always good. Yep. Okay.\n\nConfessional. The nonconfessional. Okay. Yeah. Yeah.\n\nYeah. Yeah. Okay. The again, back to like, the amount that I give you will probably be around 300 because I'd like to keep a little nest egg out for emergencies and then yeah. Just have the nest egg just in case something happens and it's like I might need more money out.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Okay. Well, I I yeah. I would probably just give you the 300 to work with, and then whatever's left, I would then put it into a savings account that I say has fairly easy access to in a in the case of an emergency. Yeah.\n\nBut it but it might not get to me for a couple of days or whatever. Yeah. Yeah. Oh, okay. But then I'm asking.\n\nOkay. Yeah. Yeah. Yeah. Okay.\n\nYeah. I'm not I'm also 100% happy, but I have this conversation all the time with some of the new stuff. It's not moving well. I think he moved me into a a few or they're all ETFs now, I think. And I'm not sure.\n\nLike, I just it's fluctuating a lot. I am one of those people that checks every other day. So I feel well, it was to cover the mortgage, and I'm not gonna have the mortgage. But then, like, I don't the kids will have a van to sell and, you know, something critical happens. How like, if something happens to me, it is a binding nomination for my kids to share.\n\nHow long does that take? Because I guess yeah. Like, if I died for them to get paid out, how long does that take? So oh, so so that's interesting. So if it's like a the binding nomination, can can that just mean it goes directly to the kids and it's not part of my state?\n\nThey've put 20 one and 24. 21 and 24 now. Yeah. Yeah. Okay.\n\nYeah. Oh, I'd rather do the direct. They wouldn't care. They'd rather so that they can sort out, you know, whatever. Yes.\n\nYes. Yeah. Yeah. Yeah. But then what's the thing where and that will be only the money that in or is it all whatever is left in my super, they will be taxed on?\n\nOr the con yeah. Okay. I do have a component that is not taxable be I think because it was moved from The UK to Australian Super, And there was an amount that I think Yeah. Yes. And that's The UK.\n\nYeah. That's okay. That would be taxable. Yeah. You can't start you can't start doing it fairly soon.\n\nYeah. Yeah. Yeah. 100 and 20. Yeah.\n\nBecause that's that's what I saw somewhere. Yeah. Okay. Yeah. I can't hear.\n\n'30. It sounds so far away. It's like that meme on Facebook where they say, you know, I love seventies music. I love the music back, you know, twenty years ago or thirty years ago, and I guess, no. That's actually fifty years ago.\n\nThat's me gets me every time because I'm like, oh my god. I can't believe it would yeah. Okay. I hear you on that. But so that would be part of our planning now.\n\nYeah. Yeah. Yeah. Yeah. I'm sorry.\n\nI think I'm I just need to make my it work in my head. Okay. So once I retire and the last lot of super goes into Australian super, the last contributions, I will then we can trigger moving that over as well. So once I tell you when I've retired, then so if I can be the March, that would be awesome. And then April so in May, we can move all of Australian super over.\n\nYeah. Yes. Yeah. Yeah. Yeah.\n\nYeah. And that might might be able to bring it. I just don't know yet. Yeah. Yeah.\n\nYeah. Yeah. And start and starter. And my starter is 1,400 a quarter for a very old block of units with no lift. But electricity, water, all of that.\n\nBut then I will other fees that yeah. It's around yeah. Yeah. Because at the moment, it's what is it? It's probably about 1,200 a week now.\n\nJust and they they have to buy yeah. Yeah. Yeah. And I'd rather it would say doing its job. Well, you also with your advising, are you also gonna then go if this is how much is coming in, this is how much it will last you if you take out 15 yes.\n\nYeah. The way you got and and it'll basically say you're gonna have to kill yourself when you're 89 because that's when it's gone. Yeah. Thank you. Yeah.\n\nYeah. I was I know. Like, I am with work and everything else, and it's definitely having an effect on my health, I think. But that's I'm not going there because it was a line of work I've chosen just in the last few years because I'm, like, a bookkeeper, accountant, auditor, all of that stuff by trade back in the day. So that's why I've got all the questions.\n\nBut Well, I've done that. Yeah. I don't wanna do that anymore. I don't wanna I've been trying to get out of this job for, like, the last six months, and they don't want somebody my age. But I'm happy on my travels.\n\nWe need a cafe hand person, a waitress. We this person to come and help us in the office for a short while. All of that? Yeah. So that's all.\n\nYeah. Yeah. Oh, sorry. No. Good.\n\nYeah. Yes. Yes. Yeah. Yeah.\n\nYeah. No. No. That sounds good. I'll know more anyway because I will I will talk to my upline and just ask her what I am and and not able to do.\n\nBecause they've got a plan for me not being there for the next three weeks anyway, so they may as well continue with that line, I guess. Yeah. I just don't wanna put myself through this anymore. I'm just so done with it. So perfect.\n\nThank you. And I'll just I'll wait the second to the March 20. So if you send me stuff, I might not be able to do too much with it because I'll be using my dad's Wi Fi and stuff. And on the Monday the second. Yeah.\n\nTo South Africa to again so I don't know what Wi Fi I'm gonna have there. The twentieth. I'm back in Australia on the '20 Friday the twentieth. Yeah. Yeah.\n\nYeah. It's just it's an email, like, now just so that I've got it because then I can let you know what the deal is at least with the with, like, finishing work stuff. I guess that's the mode thing right now is that yeah. Yeah. Alright.\n\nThank you so so much. Oh, good. Oh, good. Thank you. Oh, yes.\n\nMe too. And six. I do. But it's so touching though because it's weird. The Wi Fi doesn't work very well.\n\nYes. I think it should be. I think it should be. I think I did it only in November or December or I think yeah. Yeah.\n\nBecause what I've I've got on my to do list is as soon as I know I can retire, I'll cancel the TPD for that. And once the unit's sold, I'll cancel the insurance life insurance, and then I can move it when my last payment goes in. Oh, I'll tell you. And then you you can move it for the move it over to your side. Yeah.\n\nAlright. Okay. Yeah. Thank you. Alright.\n\nOkay. Thank you, Erisa. Bye.","paragraphs":[{"sentences":[{"text":"Maddie, hi.","start":5.6,"end":6.3999996,"sentiment":"neutral","sentiment_score":0.06063348241150379},{"text":"It's Carol Farrell.","start":6.3999996,"end":7.62,"sentiment":"neutral","sentiment_score":0.059571441262960434},{"text":"I'm just waiting for Larissa's call because I've got plans later.","start":8.96,"end":13.059999,"sentiment":"neutral","sentiment_score":0.016357686201279812},{"text":"Okay.","start":20.385,"end":20.885,"sentiment":"neutral","sentiment_score":-0.009113076142966747},{"text":"Sure.","start":43.995,"end":44.495,"sentiment":"neutral","sentiment_score":0.02352434024214745}],"sentiment":"neutral","sentiment_score":0.027462616718063753,"num_words":18,"start":5.6,"end":44.495},{"sentences":[{"text":"Address, 6146 Albany Street, Point Frederick, New South Wales 2250, and my date of birth is 01/03/1966.","start":47.434998,"end":58.31,"sentiment":"neutral","sentiment_score":0.029658951577456558},{"text":"I am now.","start":77.425,"end":78.305,"sentiment":"neutral","sentiment_score":0.031194937104980152},{"text":"Yes.","start":78.305,"end":78.805,"sentiment":"neutral","sentiment_score":0.0671331137418747},{"text":"Okay.","start":82.32,"end":82.82,"sentiment":"neutral","sentiment_score":0.08915694057941437},{"text":"I'm good.","start":120.97,"end":121.45,"sentiment":"positive","sentiment_score":0.37007802724838257}],"sentiment":"neutral","sentiment_score":0.062259712372906506,"num_words":24,"start":47.434998,"end":121.45},{"sentences":[{"text":"Thanks.","start":121.45,"end":121.95,"sentiment":"positive","sentiment_score":0.4180034399032593},{"text":"No.","start":125.695,"end":126.195,"sentiment":"neutral","sentiment_score":-0.16496026515960693},{"text":"Yes.","start":131.215,"end":131.715,"sentiment":"neutral","sentiment_score":-0.02222011052072048},{"text":"Yes.","start":132.575,"end":133.075,"sentiment":"neutral","sentiment_score":-0.004622466862201691},{"text":"Yes.","start":164.61,"end":164.93001,"sentiment":"neutral","sentiment_score":0.03444866091012955}],"sentiment":"neutral","sentiment_score":0.052129851654171944,"num_words":5,"start":121.45,"end":164.93001},{"sentences":[{"text":"I had said in my message in my email what it was about.","start":164.93001,"end":168.55,"sentiment":"neutral","sentiment_score":-0.023684399632307198},{"text":"I have just turned 60.","start":168.77,"end":171.67,"sentiment":"neutral","sentiment_score":-0.08220705091953277},{"text":"I'm a home care worker, and it's I'm incredibly stressed by it, and I've decided I'm retiring in the next few months.","start":171.73,"end":181.125,"sentiment":"neutral","sentiment_score":-0.1820034242489121},{"text":"I'm selling my unit, and I'm buying a van and expecting to probably walk away with 450 k from it, of which a 120 will probably go to the van.","start":182.465,"end":200.34,"sentiment":"neutral","sentiment_score":-0.025772135611623524},{"text":"And then I was wanting to get some advice on how to move forward because the balance I would like to put most of that into my super this is I would I'll be living off this for a while, but I think it'll be better off growing in my super than it would me trying to put it in the bank.","start":201.505,"end":225.23,"sentiment":"neutral","sentiment_score":-0.019875057942924962}],"sentiment":"neutral","sentiment_score":-0.05097292003108922,"num_words":132,"start":164.93001,"end":225.23},{"sentences":[{"text":"And and I also wanna take advantage where I can of the caps and the tax advantages.","start":225.86499,"end":234.765,"sentiment":"neutral","sentiment_score":0.09547866749412873},{"text":"I also want to take a pension and maybe put some back so that I don't have that would might not pension, but take super out.","start":235.94499,"end":250.08,"sentiment":"neutral","sentiment_score":0.03025263358050814},{"text":"Oh, as a pension.","start":250.86,"end":251.92,"sentiment":"neutral","sentiment_score":-0.00970700173638761},{"text":"Because I'm not able to get pension state pension yet.","start":252.785,"end":256.965,"sentiment":"neutral","sentiment_score":-0.0378339946269989},{"text":"But I also don't want my kids to have to be taxed too much when I go with what's left.","start":257.025,"end":264.405,"sentiment":"neutral","sentiment_score":-0.06625749319791793}],"sentiment":"neutral","sentiment_score":0.008667376666487037,"num_words":77,"start":225.86499,"end":264.405},{"sentences":[{"text":"So, you know, I'm just asking how best to deal with this.","start":264.465,"end":270.79,"sentiment":"neutral","sentiment_score":-0.04568038135766983},{"text":"If I can sell before the June, how much am I able to put in to this year and to next year?","start":270.93,"end":277.97,"sentiment":"neutral","sentiment_score":-0.0057877929965880785},{"text":"And is it a 15% tax coming in still?","start":277.97,"end":282.215,"sentiment":"neutral","sentiment_score":-0.020976531112359628},{"text":"A 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$7.90.","start":325.55002,"end":333.57,"sentiment":"neutral","sentiment_score":0.2905843992318426}],"sentiment":"neutral","sentiment_score":0.2552617832180759,"num_words":18,"start":314.345,"end":333.57},{"sentences":[{"text":"And then there's also the cost related to selling and everything else.","start":334.70502,"end":338.965,"sentiment":"neutral","sentiment_score":0.1395261244227489},{"text":"Yes.","start":356.47,"end":356.63,"sentiment":"neutral","sentiment_score":0.12687167525291443},{"text":"Yeah.","start":356.63,"end":357.13,"sentiment":"neutral","sentiment_score":0.11718837916851044},{"text":"Yeah.","start":360.87003,"end":361.335,"sentiment":"positive","sentiment_score":0.46389153599739075},{"text":"Yes.","start":364.455,"end":364.955,"sentiment":"neutral","sentiment_score":0.03671042248606682}],"sentiment":"neutral","sentiment_score":0.15118596912361681,"num_words":16,"start":334.70502,"end":364.955},{"sentences":[{"text":"But if I'm choosing not to work, can I still get unemployment?","start":379.49,"end":383.83,"sentiment":"neutral","sentiment_score":-0.09240637843807538},{"text":"Okay.","start":406.06,"end":406.53998,"sentiment":"neutral","sentiment_score":0.0358893945813179},{"text":"It's that I am going to be in a van all over Australia.","start":406.53998,"end":411.19998,"sentiment":"neutral","sentiment_score":0.010867534635158686},{"text":"Yes.","start":429.96,"end":430.46,"sentiment":"neutral","sentiment_score":0.04771996662020683},{"text":"Yes.","start":435.8,"end":436.3,"sentiment":"neutral","sentiment_score":0.0703643262386322}],"sentiment":"neutral","sentiment_score":-0.02905803226998874,"num_words":28,"start":379.49,"end":436.3},{"sentences":[{"text":"It's not gonna even be 50.","start":447.725,"end":450.385,"sentiment":"neutral","sentiment_score":-0.11714675401647885},{"text":"It'll be under because I've also got travel expenses and the depreciation on my car and stuff like that.","start":455.41,"end":463.75,"sentiment":"neutral","sentiment_score":-0.11357339697056695},{"text":"I'm just gonna sign list.","start":465.95502,"end":467.975,"sentiment":"neutral","sentiment_score":-0.047366353869438174},{"text":"Like, if I can, I want to stop working the latest, the April?","start":468.355,"end":478.21503,"sentiment":"neutral","sentiment_score":-0.10124768374057916},{"text":"Let me just find my case.","start":482.0,"end":483.52,"sentiment":"neutral","sentiment_score":-0.03478103596717119}],"sentiment":"neutral","sentiment_score":-0.0943369987819876,"num_words":49,"start":447.725,"end":483.52},{"sentences":[{"text":"I'm sorry.","start":483.52,"end":484.18,"sentiment":"neutral","sentiment_score":-0.09401923790574074},{"text":"It's it's a tricky one because it's packaged because of home care work and non non not for profit.","start":486.56,"end":496.215,"sentiment":"neutral","sentiment_score":-0.15825366777809044},{"text":"So at the moment, my year to date, taxable is 24 and a half.","start":497.235,"end":505.25497,"sentiment":"neutral","sentiment_score":-0.05594174537275519},{"text":"Nontaxable is four and a half, and my tax is only $2.04.","start":506.06,"end":511.68,"sentiment":"neutral","sentiment_score":-0.0536730137343208},{"text":"So on top of that, they'll probably be around 7 or 8,000 in expenses I can claim.","start":513.1,"end":528.815,"sentiment":"neutral","sentiment_score":-0.0894048249020296}],"sentiment":"neutral","sentiment_score":-0.09596876229625195,"num_words":64,"start":483.52,"end":528.815},{"sentences":[{"text":"So my tax bill last year was for the first year that I've done it, and I've got a refund for the first time in very, very long time.","start":528.815,"end":536.98,"sentiment":"neutral","sentiment_score":-0.1918900159412417},{"text":"So I feel like I'll probably still get a bit of a tax refund.","start":538.95996,"end":542.01996,"sentiment":"neutral","sentiment_score":-0.024777792527207305},{"text":"I'm not too sure how much, though.","start":543.83997,"end":545.77997,"sentiment":"neutral","sentiment_score":-0.22063889248030527},{"text":"Yes.","start":551.935,"end":552.435,"sentiment":"neutral","sentiment_score":0.06043870374560356},{"text":"Yeah.","start":561.03,"end":561.53,"sentiment":"neutral","sentiment_score":-0.07332481443881989}],"sentiment":"neutral","sentiment_score":-0.1436357291486974,"num_words":52,"start":528.815,"end":561.53},{"sentences":[{"text":"That might also just be I'm just looking at that.","start":563.51,"end":566.81,"sentiment":"neutral","sentiment_score":-0.14816673547029496},{"text":"Our company changed names in July or businesses in July, so I'm not sure if that's from first of I feel like they would have done it from July 1.","start":567.11005,"end":576.81494,"sentiment":"neutral","sentiment_score":-0.32461915562550225},{"text":"So it's a very poorly paid job.","start":583.435,"end":585.615,"sentiment":"negative","sentiment_score":-0.6785179887499128},{"text":"Yes.","start":597.46,"end":597.54,"sentiment":"neutral","sentiment_score":0.08168482780456543},{"text":"Yeah.","start":597.54,"end":598.04,"sentiment":"neutral","sentiment_score":0.10542885959148408}],"sentiment":"neutral","sentiment_score":-0.32209702565961956,"num_words":49,"start":563.51,"end":598.04},{"sentences":[{"text":"Okay.","start":609.435,"end":609.935,"sentiment":"neutral","sentiment_score":0.07484827935695648},{"text":"Yes.","start":620.81,"end":621.31,"sentiment":"neutral","sentiment_score":0.11069522798061372},{"text":"Yeah.","start":633.125,"end":633.625,"sentiment":"neutral","sentiment_score":0.06970725953578949},{"text":"Yeah.","start":637.765,"end":638.245,"sentiment":"neutral","sentiment_score":0.049905236810445786},{"text":"Yeah.","start":638.245,"end":638.745,"sentiment":"neutral","sentiment_score":0.07083804160356522}],"sentiment":"neutral","sentiment_score":0.07519880905747414,"num_words":5,"start":609.435,"end":638.745},{"sentences":[{"text":"Yeah.","start":639.685,"end":640.185,"sentiment":"neutral","sentiment_score":0.07638636231422424},{"text":"Yeah.","start":643.63,"end":644.13,"sentiment":"neutral","sentiment_score":0.10459165275096892},{"text":"Yeah.","start":652.03,"end":652.43005,"sentiment":"neutral","sentiment_score":0.12753134965896606},{"text":"Yeah.","start":652.43005,"end":652.93005,"sentiment":"neutral","sentiment_score":0.1329433023929596},{"text":"Yes.","start":659.575,"end":660.075,"sentiment":"neutral","sentiment_score":0.02744984440505505}],"sentiment":"neutral","sentiment_score":0.09378050230443477,"num_words":5,"start":639.685,"end":660.075},{"sentences":[{"text":"No.","start":664.935,"end":665.4,"sentiment":"neutral","sentiment_score":-0.27522557973861694},{"text":"On the 18,000.","start":667.96,"end":669.26,"sentiment":"neutral","sentiment_score":-0.07594635337591171},{"text":"Yeah.","start":669.4,"end":669.9,"sentiment":"neutral","sentiment_score":0.05419306457042694},{"text":"Yep.","start":670.44,"end":670.94,"sentiment":"neutral","sentiment_score":0.04102512076497078},{"text":"Yep.","start":671.48004,"end":671.98004,"sentiment":"neutral","sentiment_score":0.16981415450572968}],"sentiment":"neutral","sentiment_score":-0.034004614289317815,"num_words":7,"start":664.935,"end":671.98004},{"sentences":[{"text":"It 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then I what?","start":841.04,"end":842.88,"sentiment":"neutral","sentiment_score":-0.014041263610124588},{"text":"In one year or over time?","start":842.88,"end":845.22003,"sentiment":"neutral","sentiment_score":-0.039886431147654854}],"sentiment":"neutral","sentiment_score":0.0036362911073061135,"num_words":13,"start":781.41,"end":845.22003},{"sentences":[{"text":"But then I need to live because I'm not gonna have any income.","start":847.04,"end":851.495,"sentiment":"neutral","sentiment_score":-0.14996578716314757},{"text":"So Yeah.","start":851.715,"end":855.335,"sentiment":"neutral","sentiment_score":0.0735462885349989},{"text":"Yeah.","start":860.915,"end":861.415,"sentiment":"neutral","sentiment_score":0.1099633127450943},{"text":"Okay.","start":864.89,"end":865.39,"sentiment":"neutral","sentiment_score":0.1308976411819458},{"text":"And then and then is that the 10% limit, though?","start":867.05,"end":870.89,"sentiment":"neutral","sentiment_score":0.12793265264481307}],"sentiment":"neutral","sentiment_score":-0.010454636136138881,"num_words":27,"start":847.04,"end":870.89},{"sentences":[{"text":"It's 10% of whatever is in your fund.","start":870.89,"end":873.07,"sentiment":"neutral","sentiment_score":0.04102256603073329},{"text":"Yeah.","start":877.82495,"end":878.32495,"sentiment":"neutral","sentiment_score":-0.02745748683810234},{"text":"Okay.","start":887.665,"end":888.165,"sentiment":"neutral","sentiment_score":0.08019529283046722},{"text":"Not restricted to 10 percent.","start":888.225,"end":892.33997,"sentiment":"neutral","sentiment_score":-0.0019686326384544374},{"text":"But that, I thought, was something I'd have to do because I was under under 67.","start":892.48,"end":896.89996,"sentiment":"neutral","sentiment_score":-0.0978448549285531}],"sentiment":"neutral","sentiment_score":-0.03853040347777067,"num_words":31,"start":870.89,"end":896.89996},{"sentences":[{"text":"Okay.","start":896.96,"end":897.36,"sentiment":"neutral","sentiment_score":0.02167712524533272},{"text":"So that my intention is to do that.","start":897.36,"end":901.38,"sentiment":"neutral","sentiment_score":0.020047097001224756},{"text":"I will probably need to draw a pension in if I if I resign for the April, I'm gonna need money from April.","start":901.6,"end":916.235,"sentiment":"neutral","sentiment_score":-0.06289457238238791},{"text":"See, that's the tricky thing because I've got all the stuff to set up.","start":925.74,"end":928.37994,"sentiment":"neutral","sentiment_score":-0.29259566749845234},{"text":"So Yeah.","start":928.37994,"end":948.375,"sentiment":"neutral","sentiment_score":0.02146591804921627}],"sentiment":"neutral","sentiment_score":-0.11079018275874357,"num_words":48,"start":896.96,"end":948.375},{"sentences":[{"text":"Yeah.","start":948.375,"end":948.695,"sentiment":"neutral","sentiment_score":0.015961453318595886},{"text":"But the money no.","start":948.695,"end":951.65,"sentiment":"neutral","sentiment_score":-0.12883304990828037},{"text":"But the the money is only gonna come in after I've resigned.","start":951.65,"end":956.23004,"sentiment":"neutral","sentiment_score":-0.1576284778614839},{"text":"So, you you know, the the sale will probably only go through in June.","start":957.09,"end":961.67004,"sentiment":"neutral","sentiment_score":-0.11778496844427926},{"text":"Because I'm going to South Africa for March.","start":962.145,"end":964.145,"sentiment":"neutral","sentiment_score":-0.061567919328808784}],"sentiment":"neutral","sentiment_score":-0.11621654855135159,"num_words":39,"start":948.375,"end":964.145},{"sentences":[{"text":"So I've got to then come back and sort the unit out so that it looks sellable.","start":964.145,"end":972.085,"sentiment":"neutral","sentiment_score":-0.003235176096067709},{"text":"And then it's like it will sell quickly because the guy that sold it to me, he always within a week or two, his stuff's gone.","start":973.42505,"end":982.25,"sentiment":"neutral","sentiment_score":-0.1979542143929463},{"text":"So it's I'm gonna need money probably for April, May, June because I'm gonna still have a bit of a mortgage.","start":984.55,"end":994.665,"sentiment":"neutral","sentiment_score":-0.012924160364837874},{"text":"I'm still gonna have my mortgage for April and May and some of June.","start":994.725,"end":999.225,"sentiment":"neutral","sentiment_score":0.05773132746773107},{"text":"And at the moment, like, I'd say probably 1,500 a week until the sale through.","start":1000.27997,"end":1008.69995,"sentiment":"neutral","sentiment_score":0.004187380832930406}],"sentiment":"neutral","sentiment_score":-0.0494856520265501,"num_words":93,"start":964.145,"end":1008.69995},{"sentences":[{"text":"Yeah.","start":1013.72,"end":1014.22,"sentiment":"neutral","sentiment_score":0.005634167231619358},{"text":"I wanted to have this conversation with you first.","start":1018.025,"end":1020.84503,"sentiment":"neutral","sentiment_score":0.08289819127983517},{"text":"Otherwise, I don't know because I'm going away for March.","start":1020.98505,"end":1024.505,"sentiment":"neutral","sentiment_score":-0.3042688243091106},{"text":"I don't know if they're gonna expect me to then do four weeks or if they will let me resign at the February and finish, you know, on Easter Monday.","start":1024.505,"end":1032.7,"sentiment":"negative","sentiment_score":-0.43533885727326077},{"text":"Yeah.","start":1039.0,"end":1039.305,"sentiment":"neutral","sentiment_score":0.08457349240779877}],"sentiment":"neutral","sentiment_score":-0.299344364316294,"num_words":51,"start":1013.72,"end":1039.305},{"sentences":[{"text":"Yeah.","start":1049.785,"end":1050.285,"sentiment":"neutral","sentiment_score":0.06970150768756866},{"text":"Yes.","start":1050.665,"end":1051.165,"sentiment":"neutral","sentiment_score":0.0885341465473175},{"text":"Yeah.","start":1062.0,"end":1062.4,"sentiment":"neutral","sentiment_score":0.052642256021499634},{"text":"Yeah.","start":1062.4,"end":1062.9,"sentiment":"neutral","sentiment_score":0.07017765939235687},{"text":"Yes.","start":1067.6951,"end":1068.1951,"sentiment":"neutral","sentiment_score":0.19788770377635956}],"sentiment":"neutral","sentiment_score":0.09578865468502044,"num_words":5,"start":1049.785,"end":1068.1951},{"sentences":[{"text":"Yeah.","start":1071.4551,"end":1071.9551,"sentiment":"neutral","sentiment_score":0.2481604367494583},{"text":"Yeah.","start":1078.8,"end":1079.3,"sentiment":"neutral","sentiment_score":0.04896103590726853},{"text":"Yeah.","start":1079.68,"end":1080.18,"sentiment":"positive","sentiment_score":0.3538475036621094},{"text":"Yeah.","start":1084.4,"end":1084.9,"sentiment":"neutral","sentiment_score":0.31259599328041077},{"text":"Yeah.","start":1090.7201,"end":1091.2201,"sentiment":"neutral","sentiment_score":0.24710170924663544}],"sentiment":"neutral","sentiment_score":0.24213333576917648,"num_words":5,"start":1071.4551,"end":1091.2201},{"sentences":[{"text":"Yeah.","start":1098.9049,"end":1099.4049,"sentiment":"neutral","sentiment_score":0.04348575696349144},{"text":"Okay.","start":1106.4249,"end":1106.9249,"sentiment":"neutral","sentiment_score":-0.012987695634365082},{"text":"Okay.","start":1122.355,"end":1122.855,"sentiment":"neutral","sentiment_score":-0.09750095009803772},{"text":"Okay.","start":1146.465,"end":1146.965,"sentiment":"neutral","sentiment_score":0.07484427839517593},{"text":"Alright.","start":1153.1849,"end":1153.6849,"sentiment":"neutral","sentiment_score":0.05808441340923309}],"sentiment":"neutral","sentiment_score":0.013185160607099533,"num_words":5,"start":1098.9049,"end":1153.6849},{"sentences":[{"text":"Question?","start":1154.225,"end":1154.725,"sentiment":"neutral","sentiment_score":0.0161591824144125},{"text":"Yes.","start":1157.585,"end":1158.085,"sentiment":"neutral","sentiment_score":0.036434296518564224},{"text":"No.","start":1158.145,"end":1158.3049,"sentiment":"neutral","sentiment_score":-0.14713621139526367},{"text":"Definitely return before because I need to fix things up, and I need to pack and sell and get rid of, you know, stuff.","start":1158.3049,"end":1167.9099,"sentiment":"neutral","sentiment_score":-0.11137575283646584},{"text":"So but my question again is when they do the settlement, does it is it helpful can they pay you directly instead of it coming into my account and me paying it to you?","start":1168.45,"end":1182.055,"sentiment":"neutral","sentiment_score":0.031232596648966566}],"sentiment":"neutral","sentiment_score":-0.027961516630698423,"num_words":61,"start":1154.225,"end":1182.055},{"sentences":[{"text":"Can okay.","start":1182.995,"end":1184.535,"sentiment":"neutral","sentiment_score":-0.027165478095412254},{"text":"Okay.","start":1185.875,"end":1186.375,"sentiment":"neutral","sentiment_score":0.043423302471637726},{"text":"Yeah.","start":1192.22,"end":1192.72,"sentiment":"neutral","sentiment_score":0.09954050928354265},{"text":"Yeah.","start":1194.54,"end":1195.04,"sentiment":"neutral","sentiment_score":0.11817401647567748},{"text":"Yeah.","start":1196.46,"end":1196.96,"sentiment":"neutral","sentiment_score":0.12835022807121277}],"sentiment":"neutral","sentiment_score":0.05585951668520769,"num_words":6,"start":1182.995,"end":1196.96},{"sentences":[{"text":"Yeah.","start":1200.14,"end":1200.64,"sentiment":"neutral","sentiment_score":0.09891008585691452},{"text":"Yeah.","start":1205.1799,"end":1205.325,"sentiment":"neutral","sentiment_score":0.21691566705703735},{"text":"Okay.","start":1215.1649,"end":1215.565,"sentiment":"neutral","sentiment_score":0.04927367717027664},{"text":"I'd have to go into the bank to do that because that's a big sum.","start":1215.565,"end":1218.2849,"sentiment":"neutral","sentiment_score":-0.05847996713904043},{"text":"They won't bank, so it won't be a problem.","start":1218.2849,"end":1223.89,"sentiment":"neutral","sentiment_score":0.08192631188366148}],"sentiment":"neutral","sentiment_score":0.008342101109317608,"num_words":27,"start":1200.14,"end":1223.89},{"sentences":[{"text":"Okay.","start":1224.75,"end":1225.25,"sentiment":"neutral","sentiment_score":0.02423153445124626},{"text":"Okay.","start":1226.67,"end":1227.17,"sentiment":"neutral","sentiment_score":0.03110651858150959},{"text":"So all of that in my head, I just need to clarify.","start":1229.3099,"end":1232.69,"sentiment":"neutral","sentiment_score":0.027924413637568552},{"text":"Sorry.","start":1232.91,"end":1233.41,"sentiment":"neutral","sentiment_score":-0.1064475029706955},{"text":"The way you're talking now, I am not gonna be taxed at 15% on what I put in 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you.","start":1289.785,"end":1290.605,"sentiment":"positive","sentiment_score":0.5264292657375336},{"text":"Yeah.","start":1301.9451,"end":1302.4451,"sentiment":"neutral","sentiment_score":0.16232624650001526}],"sentiment":"neutral","sentiment_score":-0.17952345831449643,"num_words":43,"start":1246.035,"end":1302.4451},{"sentences":[{"text":"Yeah.","start":1308.37,"end":1308.87,"sentiment":"neutral","sentiment_score":0.23971045017242432},{"text":"Okay.","start":1312.61,"end":1313.11,"sentiment":"neutral","sentiment_score":0.3005291819572449},{"text":"It would be a little just a couple of brand because it's not gonna be much, but it'll be a nice It's all always 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keep a little nest egg out for emergencies and then yeah.","start":1406.7351,"end":1422.1901,"sentiment":"neutral","sentiment_score":0.18478916525360076},{"text":"Just have the nest egg just in case something happens and it's like I might need more money 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asking.","start":1493.595,"end":1494.735,"sentiment":"neutral","sentiment_score":0.033854414243251085}],"sentiment":"neutral","sentiment_score":-0.18088862136937678,"num_words":24,"start":1480.98,"end":1494.735},{"sentences":[{"text":"Okay.","start":1495.035,"end":1495.535,"sentiment":"neutral","sentiment_score":0.11979350447654724},{"text":"Yeah.","start":1504.715,"end":1505.215,"sentiment":"neutral","sentiment_score":0.07929082214832306},{"text":"Yeah.","start":1506.075,"end":1506.39,"sentiment":"neutral","sentiment_score":0.12420961260795592},{"text":"Yeah.","start":1509.35,"end":1509.85,"sentiment":"neutral","sentiment_score":0.09452490508556366},{"text":"Okay.","start":1511.11,"end":1511.61,"sentiment":"neutral","sentiment_score":0.04304661601781845}],"sentiment":"neutral","sentiment_score":0.09217309206724167,"num_words":5,"start":1495.035,"end":1511.61},{"sentences":[{"text":"Yeah.","start":1512.79,"end":1513.11,"sentiment":"neutral","sentiment_score":0.007469814270734787},{"text":"I'm not I'm also 100% happy, but I have this conversation all the time with some of the new stuff.","start":1513.11,"end":1518.23,"sentiment":"neutral","sentiment_score":-0.21883947476744653},{"text":"It's not moving well.","start":1518.23,"end":1519.77,"sentiment":"negative","sentiment_score":-0.46949151903390884},{"text":"I think he moved me into a a few or they're all ETFs now, I think.","start":1522.145,"end":1526.405,"sentiment":"neutral","sentiment_score":-0.15127745736390352},{"text":"And I'm not sure.","start":1529.265,"end":1530.805,"sentiment":"neutral","sentiment_score":-0.1806124672293663}],"sentiment":"neutral","sentiment_score":-0.20867055431008338,"num_words":45,"start":1512.79,"end":1530.805},{"sentences":[{"text":"Like, I just it's fluctuating a lot.","start":1532.0651,"end":1535.4,"sentiment":"neutral","sentiment_score":-0.187674452151571},{"text":"I am one of those people that checks every other 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yeah.","start":1592.1649,"end":1594.59,"sentiment":"neutral","sentiment_score":-0.1118334736675024},{"text":"Like, if I died for them to get paid out, how long does that take?","start":1594.59,"end":1601.73,"sentiment":"neutral","sentiment_score":-0.1454659327864647},{"text":"So oh, so so that's interesting.","start":1625.25,"end":1629.43,"sentiment":"neutral","sentiment_score":-0.08268074815471967},{"text":"So if it's like a the binding nomination, can can that just mean it goes directly to the kids and it's not part of my state?","start":1629.81,"end":1638.795,"sentiment":"neutral","sentiment_score":-0.009490233487807788}],"sentiment":"neutral","sentiment_score":-0.06903073604085616,"num_words":56,"start":1587.9249,"end":1638.795},{"sentences":[{"text":"They've put 20 one and 24.","start":1646.855,"end":1649.73,"sentiment":"neutral","sentiment_score":0.05806502513587475},{"text":"21 and 24 now.","start":1649.8099,"end":1651.51,"sentiment":"neutral","sentiment_score":0.039217072539031506},{"text":"Yeah.","start":1656.37,"end":1656.87,"sentiment":"neutral","sentiment_score":0.06057903170585632},{"text":"Yeah.","start":1656.9299,"end":1657.4299,"sentiment":"neutral","sentiment_score":0.004818227142095566},{"text":"Okay.","start":1670.995,"end":1671.495,"sentiment":"neutral","sentiment_score":-0.08095086365938187}],"sentiment":"neutral","sentiment_score":0.037669602781534195,"num_words":13,"start":1646.855,"end":1671.495},{"sentences":[{"text":"Yeah.","start":1683.01,"end":1683.51,"sentiment":"neutral","sentiment_score":-0.05950219929218292},{"text":"Oh, I'd rather do the direct.","start":1686.13,"end":1690.61,"sentiment":"neutral","sentiment_score":-0.048830500493446984},{"text":"They wouldn't care.","start":1690.61,"end":1691.59,"sentiment":"neutral","sentiment_score":-0.1955474615097046},{"text":"They'd rather so that they can sort out, you know, 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on?","start":1734.68,"end":1746.52,"sentiment":"neutral","sentiment_score":-0.052201611051956816}],"sentiment":"neutral","sentiment_score":-0.055800706695984394,"num_words":34,"start":1710.25,"end":1746.52},{"sentences":[{"text":"Or the con yeah.","start":1746.52,"end":1754.375,"sentiment":"neutral","sentiment_score":-0.039465819485485554},{"text":"Okay.","start":1758.275,"end":1758.775,"sentiment":"neutral","sentiment_score":0.06169837713241577},{"text":"I do have a component that is not taxable be I think because it was moved from The UK to Australian Super, And there was an amount that I think Yeah.","start":1766.49,"end":1788.985,"sentiment":"neutral","sentiment_score":0.08963791977974676},{"text":"Yes.","start":1789.525,"end":1789.765,"sentiment":"neutral","sentiment_score":0.11374086886644363},{"text":"And that's The 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somewhere.","start":1866.145,"end":1868.385,"sentiment":"neutral","sentiment_score":-0.046095595828124454},{"text":"Yeah.","start":1868.385,"end":1868.885,"sentiment":"neutral","sentiment_score":0.08177775889635086},{"text":"Okay.","start":1890.8401,"end":1891.3401,"sentiment":"positive","sentiment_score":0.4276019334793091},{"text":"Yeah.","start":1902.645,"end":1903.145,"sentiment":"neutral","sentiment_score":0.036511145532131195},{"text":"I can't hear.","start":1905.5249,"end":1906.32,"sentiment":"neutral","sentiment_score":-0.032337894663214684}],"sentiment":"neutral","sentiment_score":0.0097083063939443,"num_words":13,"start":1866.145,"end":1906.32},{"sentences":[{"text":"'30.","start":1909.84,"end":1910.34,"sentiment":"neutral","sentiment_score":-0.03379691764712334},{"text":"It sounds so far away.","start":1915.2799,"end":1917.1399,"sentiment":"negative","sentiment_score":-0.4437393546104431},{"text":"It's like that meme on Facebook where they say, you know, I love seventies music.","start":1919.2,"end":1925.5951,"sentiment":"neutral","sentiment_score":0.04158427392443021},{"text":"I love the music back, you know, twenty years ago or thirty years ago, and I guess, no.","start":1925.655,"end":1930.2151,"sentiment":"neutral","sentiment_score":0.07665408237112893},{"text":"That's actually fifty years ago.","start":1930.2151,"end":1931.735,"sentiment":"neutral","sentiment_score":-0.022780697047710418}],"sentiment":"neutral","sentiment_score":-0.008246808736161753,"num_words":44,"start":1909.84,"end":1931.735},{"sentences":[{"text":"That's me gets me every time because I'm like, oh my god.","start":1931.735,"end":1936.27,"sentiment":"neutral","sentiment_score":-0.055426349552969136},{"text":"I can't believe it would yeah.","start":1936.27,"end":1940.75,"sentiment":"neutral","sentiment_score":-0.01479551320274671},{"text":"Okay.","start":1940.75,"end":1941.15,"sentiment":"neutral","sentiment_score":0.06532211601734161},{"text":"I hear you on that.","start":1941.15,"end":1942.43,"sentiment":"neutral","sentiment_score":0.06612509787082672},{"text":"But so that would be part of our planning now.","start":1942.43,"end":1946.77,"sentiment":"neutral","sentiment_score":0.053259017132222655}],"sentiment":"neutral","sentiment_score":0.005136720671811525,"num_words":34,"start":1931.735,"end":1946.77},{"sentences":[{"text":"Yeah.","start":1953.095,"end":1953.595,"sentiment":"neutral","sentiment_score":0.01995846256613731},{"text":"Yeah.","start":1954.855,"end":1955.355,"sentiment":"neutral","sentiment_score":0.012647561728954315},{"text":"Yeah.","start":1961.095,"end":1961.4,"sentiment":"neutral","sentiment_score":0.03346627578139305},{"text":"Yeah.","start":1967.64,"end":1968.14,"sentiment":"neutral","sentiment_score":0.06222911551594734},{"text":"I'm sorry.","start":1979.285,"end":1980.005,"sentiment":"neutral","sentiment_score":-0.11617961525917053}],"sentiment":"neutral","sentiment_score":-0.017342969154318176,"num_words":6,"start":1953.095,"end":1980.005},{"sentences":[{"text":"I think I'm I just need to make my it work in my head.","start":1980.005,"end":1985.705,"sentiment":"neutral","sentiment_score":-0.14830772738371575},{"text":"Okay.","start":1987.125,"end":1987.525,"sentiment":"neutral","sentiment_score":0.06377912312746048},{"text":"So once I retire and the last lot of super goes into Australian super, the last contributions, I will then we can trigger moving that over as well.","start":1987.525,"end":1998.75,"sentiment":"neutral","sentiment_score":0.13713272315050876},{"text":"So once I tell you when I've retired, then so if I can be the March, that would be awesome.","start":1998.75,"end":2007.865,"sentiment":"neutral","sentiment_score":0.3061856910586357},{"text":"And then April so in May, we can move all of Australian super 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that might might be able to bring it.","start":2137.805,"end":2140.4448,"sentiment":"neutral","sentiment_score":0.19694583531883028},{"text":"I just don't know yet.","start":2140.4448,"end":2142.2249,"sentiment":"neutral","sentiment_score":-0.13151260018348693},{"text":"Yeah.","start":2144.365,"end":2144.865,"sentiment":"neutral","sentiment_score":0.2383045554161072},{"text":"Yeah.","start":2153.8,"end":2154.3,"sentiment":"neutral","sentiment_score":0.11293205618858336}],"sentiment":"neutral","sentiment_score":0.09561585634946823,"num_words":17,"start":2132.18,"end":2154.3},{"sentences":[{"text":"Yeah.","start":2156.2,"end":2156.7,"sentiment":"neutral","sentiment_score":0.041489094495773315},{"text":"Yeah.","start":2164.2,"end":2164.7,"sentiment":"neutral","sentiment_score":0.03710991516709328},{"text":"And start and starter.","start":2168.665,"end":2170.7651,"sentiment":"neutral","sentiment_score":0.009574803989380598},{"text":"And my starter is 1,400 a quarter for a very old block of units with no lift.","start":2171.065,"end":2177.22,"sentiment":"neutral","sentiment_score":-0.01899773145423216},{"text":"But electricity, water, all of that.","start":2179.14,"end":2182.52,"sentiment":"neutral","sentiment_score":0.000040839891880750365}],"sentiment":"neutral","sentiment_score":-0.007097178267250801,"num_words":29,"start":2156.2,"end":2182.52},{"sentences":[{"text":"But then I will other fees that yeah.","start":2183.06,"end":2187.48,"sentiment":"neutral","sentiment_score":0.04162114579230547},{"text":"It's around yeah.","start":2191.7,"end":2193.785,"sentiment":"neutral","sentiment_score":0.05715101957321167},{"text":"Yeah.","start":2194.165,"end":2194.665,"sentiment":"neutral","sentiment_score":0.03136838227510452},{"text":"Because at the moment, it's what is it?","start":2195.2048,"end":2197.865,"sentiment":"neutral","sentiment_score":0.012058285879902542},{"text":"It's probably about 1,200 a week now.","start":2200.4849,"end":2205.4648,"sentiment":"neutral","sentiment_score":0.008301922186676945}],"sentiment":"neutral","sentiment_score":0.0255692722103386,"num_words":27,"start":2183.06,"end":2205.4648},{"sentences":[{"text":"Just and they they have to buy yeah.","start":2211.05,"end":2217.95,"sentiment":"neutral","sentiment_score":0.09940151032060385},{"text":"Yeah.","start":2219.53,"end":2220.03,"sentiment":"neutral","sentiment_score":-0.2248893976211548},{"text":"Yeah.","start":2222.195,"end":2222.675,"sentiment":"neutral","sentiment_score":-0.15839821100234985},{"text":"And I'd rather it would say doing its job.","start":2222.675,"end":2225.335,"sentiment":"neutral","sentiment_score":-0.1433133300807741},{"text":"Well, you also with your advising, are you also gonna then go if this is how much is coming in, this is how much it will last you if you take out 15 yes.","start":2226.195,"end":2236.98,"sentiment":"neutral","sentiment_score":0.028108369120780158}],"sentiment":"neutral","sentiment_score":0.0014677179871865039,"num_words":53,"start":2211.05,"end":2236.98},{"sentences":[{"text":"Yeah.","start":2237.0398,"end":2237.44,"sentiment":"neutral","sentiment_score":0.01823970302939415},{"text":"The way you got and and it'll basically say you're gonna have to kill yourself when you're 89 because that's when it's gone.","start":2237.44,"end":2247.2998,"sentiment":"neutral","sentiment_score":-0.15894346392672995},{"text":"Yeah.","start":2257.915,"end":2258.415,"sentiment":"neutral","sentiment_score":0.0428132601082325},{"text":"Thank you.","start":2265.38,"end":2266.2,"sentiment":"positive","sentiment_score":0.37332308292388916},{"text":"Yeah.","start":2274.26,"end":2274.76,"sentiment":"neutral","sentiment_score":-0.007837574928998947}],"sentiment":"neutral","sentiment_score":-0.10199421843779939,"num_words":28,"start":2237.0398,"end":2274.76},{"sentences":[{"text":"Yeah.","start":2275.005,"end":2275.4849,"sentiment":"neutral","sentiment_score":-0.032623693346977234},{"text":"I was I know.","start":2275.4849,"end":2279.9849,"sentiment":"neutral","sentiment_score":-0.08144861273467541},{"text":"Like, I am with work and everything else, and it's definitely having an effect on my health, I think.","start":2280.6848,"end":2287.105,"sentiment":"neutral","sentiment_score":0.06651398480722778},{"text":"But that's I'm not going there because it was a line of work I've chosen just in the last few years because I'm, like, a bookkeeper, accountant, auditor, all of that stuff by trade back in the day.","start":2287.2998,"end":2300.42,"sentiment":"neutral","sentiment_score":-0.08118711788158275},{"text":"So that's why I've got all the questions.","start":2300.42,"end":2303.1948,"sentiment":"neutral","sentiment_score":-0.007719875779002905}],"sentiment":"neutral","sentiment_score":-0.032021741695435986,"num_words":70,"start":2275.005,"end":2303.1948},{"sentences":[{"text":"But Well, I've done that.","start":2305.335,"end":2324.1099,"sentiment":"neutral","sentiment_score":-0.10974456816911697},{"text":"Yeah.","start":2324.25,"end":2324.49,"sentiment":"neutral","sentiment_score":-0.19860291481018064},{"text":"I don't wanna do that anymore.","start":2324.49,"end":2325.8499,"sentiment":"neutral","sentiment_score":-0.32577204207579297},{"text":"I don't wanna I've been trying to get out of this job for, like, the last six months, and they don't want somebody my age.","start":2325.8499,"end":2332.715,"sentiment":"neutral","sentiment_score":-0.23339921832084656},{"text":"But I'm happy on my travels.","start":2333.0151,"end":2335.0352,"sentiment":"neutral","sentiment_score":0.32359155515829724}],"sentiment":"neutral","sentiment_score":-0.1533811426786489,"num_words":43,"start":2305.335,"end":2335.0352},{"sentences":[{"text":"We need a cafe hand person, a waitress.","start":2335.335,"end":2338.875,"sentiment":"neutral","sentiment_score":0.0764326024800539},{"text":"We this person to come and help us in the office for a short while.","start":2339.0151,"end":2343.24,"sentiment":"neutral","sentiment_score":0.05784185950954755},{"text":"All of that?","start":2343.3,"end":2344.1199,"sentiment":"neutral","sentiment_score":0.04060754800836245},{"text":"Yeah.","start":2346.98,"end":2347.48,"sentiment":"neutral","sentiment_score":0.03059253841638565},{"text":"So that's all.","start":2348.0999,"end":2349.4,"sentiment":"neutral","sentiment_score":-0.0699257105588913}],"sentiment":"neutral","sentiment_score":0.04739089210828145,"num_words":30,"start":2335.335,"end":2349.4},{"sentences":[{"text":"Yeah.","start":2356.995,"end":2357.495,"sentiment":"neutral","sentiment_score":0.12567099928855896},{"text":"Yeah.","start":2357.635,"end":2358.135,"sentiment":"neutral","sentiment_score":0.12352174520492554},{"text":"Oh, sorry.","start":2364.435,"end":2365.2551,"sentiment":"neutral","sentiment_score":-0.0070048118941485864},{"text":"No.","start":2373.44,"end":2373.94,"sentiment":"neutral","sentiment_score":0.19861236214637756},{"text":"Good.","start":2388.9849,"end":2389.4849,"sentiment":"neutral","sentiment_score":0.21104927361011505}],"sentiment":"neutral","sentiment_score":0.10747412607694666,"num_words":6,"start":2356.995,"end":2389.4849},{"sentences":[{"text":"Yeah.","start":2389.625,"end":2389.98,"sentiment":"neutral","sentiment_score":0.10012456029653548},{"text":"Yes.","start":2403.26,"end":2403.525,"sentiment":"neutral","sentiment_score":0.045018911361694336},{"text":"Yes.","start":2404.9648,"end":2405.4648,"sentiment":"neutral","sentiment_score":0.06308703124523163},{"text":"Yeah.","start":2418.28,"end":2418.78,"sentiment":"neutral","sentiment_score":0.05523388832807541},{"text":"Yeah.","start":2425.48,"end":2425.98,"sentiment":"neutral","sentiment_score":0.027374079450964928}],"sentiment":"neutral","sentiment_score":0.05816769413650036,"num_words":5,"start":2389.625,"end":2425.98},{"sentences":[{"text":"Yeah.","start":2433.7651,"end":2434.2651,"sentiment":"neutral","sentiment_score":-0.01982368528842926},{"text":"No.","start":2434.8052,"end":2434.965,"sentiment":"neutral","sentiment_score":-0.08515466749668121},{"text":"No.","start":2434.965,"end":2435.2852,"sentiment":"neutral","sentiment_score":-0.08156025409698486},{"text":"That sounds good.","start":2435.2852,"end":2436.245,"sentiment":"neutral","sentiment_score":-0.0010487375160058339},{"text":"I'll know more anyway because I will I will talk to my upline and just ask her what I am and and not able to do.","start":2436.245,"end":2449.28,"sentiment":"neutral","sentiment_score":-0.05754555224512632}],"sentiment":"neutral","sentiment_score":-0.05268341180635616,"num_words":32,"start":2433.7651,"end":2449.28},{"sentences":[{"text":"Because they've got a plan for me not being there for the next three weeks anyway, so they may as well continue with that line, I guess.","start":2449.28,"end":2458.0999,"sentiment":"neutral","sentiment_score":-0.04432054415897087},{"text":"Yeah.","start":2460.105,"end":2460.605,"sentiment":"neutral","sentiment_score":0.0104711651802063},{"text":"I just don't wanna put myself through this anymore.","start":2460.985,"end":2463.065,"sentiment":"neutral","sentiment_score":-0.2350869667198923},{"text":"I'm just so done with it.","start":2463.065,"end":2464.345,"sentiment":"neutral","sentiment_score":-0.1777301269272963},{"text":"So perfect.","start":2464.345,"end":2466.0452,"sentiment":"positive","sentiment_score":0.3395234942436218}],"sentiment":"neutral","sentiment_score":-0.08198444445927938,"num_words":45,"start":2449.28,"end":2466.0452},{"sentences":[{"text":"Thank you.","start":2466.345,"end":2467.165,"sentiment":"neutral","sentiment_score":0.3133140653371811},{"text":"And I'll just I'll wait the second to the March 20.","start":2468.0251,"end":2472.905,"sentiment":"neutral","sentiment_score":-0.006086735308847644},{"text":"So if you send me stuff, I might not be able to do too much with it because I'll be using my dad's Wi Fi and stuff.","start":2472.905,"end":2481.5898,"sentiment":"neutral","sentiment_score":-0.07833985784263522},{"text":"And on the Monday the second.","start":2481.89,"end":2487.75,"sentiment":"neutral","sentiment_score":0.003464702128743132},{"text":"Yeah.","start":2488.5051,"end":2488.665,"sentiment":"neutral","sentiment_score":0.004048575181514025}],"sentiment":"neutral","sentiment_score":-0.032567347479151916,"num_words":47,"start":2466.345,"end":2488.665},{"sentences":[{"text":"To South Africa to again so I don't know what Wi Fi I'm gonna have there.","start":2488.665,"end":2493.645,"sentiment":"neutral","sentiment_score":-0.008613088575657457},{"text":"The twentieth.","start":2502.185,"end":2502.925,"sentiment":"neutral","sentiment_score":0.0022414122940972447},{"text":"I'm back in Australia on the '20 Friday the twentieth.","start":2502.985,"end":2506.4102,"sentiment":"neutral","sentiment_score":0.008898127661086618},{"text":"Yeah.","start":2515.75,"end":2516.115,"sentiment":"neutral","sentiment_score":0.02795770950615406},{"text":"Yeah.","start":2517.795,"end":2518.295,"sentiment":"neutral","sentiment_score":0.02493037097156048}],"sentiment":"neutral","sentiment_score":0.00028475881554186356,"num_words":30,"start":2488.665,"end":2518.295},{"sentences":[{"text":"Yeah.","start":2520.275,"end":2520.675,"sentiment":"neutral","sentiment_score":0.02309761382639408},{"text":"It's just it's an email, like, now just so that I've got it because then I can let you know what the deal is at least with the with, like, finishing work stuff.","start":2520.675,"end":2531.735,"sentiment":"neutral","sentiment_score":0.05393216961458551},{"text":"I guess that's the mode thing right now is that yeah.","start":2532.4102,"end":2538.9102,"sentiment":"neutral","sentiment_score":0.034329574470492924},{"text":"Yeah.","start":2540.4102,"end":2540.81,"sentiment":"neutral","sentiment_score":0.1418418288230896},{"text":"Alright.","start":2540.81,"end":2541.31,"sentiment":"positive","sentiment_score":0.3456645905971527}],"sentiment":"neutral","sentiment_score":0.05676576488730597,"num_words":47,"start":2520.275,"end":2541.31},{"sentences":[{"text":"Thank you so so much.","start":2541.61,"end":2543.31,"sentiment":"positive","sentiment_score":0.6031195998191834},{"text":"Oh, good.","start":2551.655,"end":2552.235,"sentiment":"positive","sentiment_score":0.3818471133708954},{"text":"Oh, good.","start":2552.455,"end":2553.0151,"sentiment":"positive","sentiment_score":0.33716897666454315},{"text":"Thank you.","start":2553.0151,"end":2553.835,"sentiment":"positive","sentiment_score":0.4190223515033722},{"text":"Oh, yes.","start":2554.295,"end":2554.935,"sentiment":"neutral","sentiment_score":0.17423632740974426}],"sentiment":"positive","sentiment_score":0.4338575028456174,"num_words":13,"start":2541.61,"end":2554.935},{"sentences":[{"text":"Me too.","start":2554.935,"end":2555.675,"sentiment":"neutral","sentiment_score":0.19062867760658264},{"text":"And six.","start":2556.21,"end":2563.8125,"sentiment":"positive","sentiment_score":0.33404645323753357},{"text":"I do.","start":2574.175,"end":2574.815,"sentiment":"neutral","sentiment_score":-0.02351206634193659},{"text":"But it's so touching though because it's weird.","start":2574.815,"end":2577.135,"sentiment":"neutral","sentiment_score":-0.2545943483710289},{"text":"The Wi Fi doesn't work very well.","start":2577.135,"end":2579.555,"sentiment":"neutral","sentiment_score":-0.3132640165942056}],"sentiment":"neutral","sentiment_score":-0.15367984638682433,"num_words":21,"start":2554.935,"end":2579.555},{"sentences":[{"text":"Yes.","start":2583.855,"end":2584.355,"sentiment":"neutral","sentiment_score":0.12689711153507233},{"text":"I think it should be.","start":2596.99,"end":2598.27,"sentiment":"neutral","sentiment_score":0.06377635076642037},{"text":"I think it should be.","start":2598.27,"end":2599.23,"sentiment":"neutral","sentiment_score":0.11655342131853104},{"text":"I think I did it only in November or December or I think yeah.","start":2599.23,"end":2606.5752,"sentiment":"neutral","sentiment_score":0.09195993760866779},{"text":"Yeah.","start":2614.235,"end":2614.735,"sentiment":"neutral","sentiment_score":0.00002129003405570984}],"sentiment":"neutral","sentiment_score":0.08907716878904746,"num_words":26,"start":2583.855,"end":2614.735},{"sentences":[{"text":"Because what I've I've got on my to do list is as soon as I know I can retire, I'll cancel the TPD for that.","start":2614.7952,"end":2622.8098,"sentiment":"neutral","sentiment_score":-0.1963992792367935},{"text":"And once the unit's sold, I'll cancel the insurance life insurance, and then I can move it when my last payment goes in.","start":2623.1099,"end":2633.385,"sentiment":"neutral","sentiment_score":-0.07934850195179814},{"text":"Oh, I'll tell you.","start":2633.385,"end":2634.345,"sentiment":"neutral","sentiment_score":0.09417448379099369},{"text":"And then you you can move it for the move it over to your side.","start":2634.345,"end":2638.105,"sentiment":"neutral","sentiment_score":0.107871646185716},{"text":"Yeah.","start":2638.105,"end":2638.605,"sentiment":"neutral","sentiment_score":0.2352697253227234}],"sentiment":"neutral","sentiment_score":-0.06624934077262878,"num_words":68,"start":2614.7952,"end":2638.605},{"sentences":[{"text":"Alright.","start":2640.0251,"end":2640.5251,"sentiment":"neutral","sentiment_score":0.17717421054840088},{"text":"Okay.","start":2641.7852,"end":2642.2852,"sentiment":"neutral","sentiment_score":0.07821004837751389},{"text":"Yeah.","start":2646.425,"end":2646.87,"sentiment":"positive","sentiment_score":0.3460700511932373},{"text":"Thank you.","start":2647.4302,"end":2648.33,"sentiment":"positive","sentiment_score":0.6541800200939178},{"text":"Alright.","start":2652.07,"end":2652.57,"sentiment":"neutral","sentiment_score":0.3168866038322449}],"sentiment":"positive","sentiment_score":0.3711168256898721,"num_words":6,"start":2640.0251,"end":2652.57},{"sentences":[{"text":"Okay.","start":2653.83,"end":2654.33,"sentiment":"positive","sentiment_score":0.3627453148365021},{"text":"Thank you, Erisa.","start":2654.3901,"end":2655.37,"sentiment":"positive","sentiment_score":0.6729125181833903},{"text":"Bye.","start":2656.87,"end":2657.37,"sentiment":"neutral","sentiment_score":-0.09099793434143066}],"sentiment":"positive","sentiment_score":0.45809698700904844,"num_words":5,"start":2653.83,"end":2657.37}]}}]},{"alternatives":[{"transcript":"Thank you for calling Oaktree Financial. You're speaking with Maddie. Not a problem at all. Let me just pull up your file. My apologies. Apologies, Carol. I'm just pulling this up. Before I go any further, I do just need to pass you through a quick security. Could I confirm your address and date of birth, please? Perfect. Thank you so much for that one. Alrighty. I can see here you booked into Larissa's calendar. I do apologize. We've had a bit of an admin error on our end. We've booked it in for 5PM Queensland time. However, Larissa may be available right now if you're still available for the appointment. Yeah. Let me just pop you on a quick hold, and I'll see if she's available now. Okay? Welcome to Oakview Financial. At Oakview Financial, we use an innovative model of trust and long term holistic advice, revolutionizing the way financial planning is done. Our team is comprised of highly skilled, transparent financial experts, and our vision is to become the most trusted household name in financial planning throughout Australia. We thank you for your patience today and look forward to Hi, Carol. How are you going? That's good. So sorry, doll. Booking got moved a couple of times, and I think we just they just forgot to consider the time difference at the same time. No. That's okay. So to I guess I guess just to start off, my name is Larissa. So I'm a licensed financial adviser. I'm the head of financial advice here at Oakview. And I guess what I ultimately wanna do and the whole point of the call is to to help you with any advice that you really need. So is there anything specific that you did want to touch on or talk about? Yep. Yep. Yeah. Yes. Yep. Yep. Yeah. Okay. So no. No. No. No. You are perfect. You are absolutely perfect. A, you just summarized a lifetime of notes in a three minute phone call, which is more than most people can do, and I absolutely love you for it. So that was fantastic. You know what you want, and I'm not having to pull teeth. So this is beautiful. Let's take it one step at a time. So we're selling the house. Do we have a debt on the house still? $2.09 0. Okay. So $2.09 0 debt, and you expect to walk away with $4.50 after all the debts are paid off. Fantastic. Then 100%. Perfect. So which gives us the $4.50. Van purchase is gonna be $1.20. So we're basically gonna walk away with about $3.30 in cash to be able to invest, live on, so on and so forth. We wanna put we wanna put as much as possible as we can into super, which is fantastic. So there's a couple of different avenues. First and foremost, you're 60. So when again, yep, as you know, not eligible for age pension at the moment, but we could still possibly look at getting some, like, unemployment benefit to kinda top up your income a little bit. We can definitely still get some thing. It's not easy, but there are still things that we can do. Generally, they still require you to, like, apply for jobs and do stuff like that. But at your age, you could also get away with, like, volunteering as a way of working because you are over 60. I did skip over that as a mental note, didn't I? Yes. So probably not what I'm saying. I'll look into it as a travel travel aspect, but I wanna see if we can get anything from Centrelink because, a, you've worked forever and you wanna get back what you've put in, and we don't wanna be taking away from the money that you've grown personally. So we wanna try and get something. Correct. There are tax advantages to putting money in super. Yes. It is 15%. Can I ask, what do you want to have to earn this financial year? Okay. So about 50, but not quite. So under 50. Yep. Yeah. No. That's okay. So you have about 24 and a half thousand, you said, In taxable, 4 and a half in nontaxable, 4,000 in tax, and then you said seven to eight thousand that you can pay expenses. Okay. No. That's okay. Definitely on track to further under 50. It sounds like we're probably on track from more than likely around the $40,000 mark by the time we consider the expenses, which is okay. It just means that tax effectively, there's not gonna be a massive amount that we can put in for tax effectiveness. Because because how how contributions work in super, right, is that when we put money in super under, like, a salary sacrifice or a lump sum contribution strategy, you put money in. And once that money goes into the super fund, you are then removing money from your taxable income. So let's just say you did earn 50,000 for the year and we put in 10,000 into your super fund. Your taxable income would go from 50,000 down to 40,000, which means you would only pay tax at the marginal rate on the 40,000, and your super fund would pay 15% tax on the 10,000 that you put in. Now it means that it's just tax effective. Now because marginal rates are they work in brackets, the first $18,200 that you earn is tax free. So it doesn't make sense to put if you earn $50,000, it doesn't make sense to put $50,000 in because then you'd be paying 15% on correct. On a on a tax free. So we could put as much in that would basically if you sell your if you sell your house, and this is all coming down to if you sell. You sell your house that's fantastic. So when you sell your house, let's put it that way, when you sell your house, we could put in money. It always has to be within this financial year. We we we put money in to basically completely offset the income that you earn. So let's just say you do earn $40,000. We would put we would basically put just over $20,000 in to basically bring you to only earning 18,200. So you would pay no tax, and the rest of the money would go into your super fund. We would pay 15% tax, which is lower than the marginal rate that it would be associated with. We'd pay 11% less in tax in your super fund. And then what we could do is we could then put money in after tax. So it's called non concessional. And what that means is because the sale of your property is tax free earnings, so you don't take you won't pay tax. You won't pay capital gains tax on on your primary residence. That money could go in your super fund as well, and you won't you won't pay any tax in your super fund so that the super fund won't won't pay the 15 cents? It's how you allocate the money. So with with contributions, so from your employer or concessional, the money that gets taxed within the super fund, there are caps to to $30,000 a year. So you can only put $3,000 within the fund within any given year before you go over that cap and you pay more tax. You pay more than the 15%. So really high income payments, they you know, if you're earning over the $300,000 a year, their employer is already putting over $30,000 in. So they get taxed at a higher rate in their super funds because of their high income. And then tax free money, so, like, the same on it. And what happens is that money sits tax free. So that means that for your kids, from an estate planning point of view, that money is going to sit in a much better position for them in the event that something happens to you from a client's perspective. Now there's a couple of different things we can do to get as much money into funds as possible, and and we could realistically probably put we could put all $330,000 into that fund in a tax free position in one year. In one year. Yep. And then we can set up a pension account to have the money come in and repeat you every month, every two weeks, once a quarter, however you want the money to come to you. And then because you're fully retired, we can have it come out as much as you want. No. It won't be. So because you will be fully retired, you won't be restricted to 10. You'll have full eligibility requirements, and you'll be able to access as much as you want. Yeah. So brings up a lot for you. Yeah. Yeah. That's fine. So from April, you need to draw an income. And how much were you looking to actually draw? That's okay. So if you don't necessarily know the income, I can start working on the figures as to how we put the money into the super fund after you sell the house, how we progress with putting that in in a tax effective position. And then from that, once we're tax effective, we've got the money in, we can just work on how much you need from a broad position if you don't quite know what that exactly looks like yet. Yes. Yep. Yes. Okay. So you're you're wanting to you're wanting to retire in April at the at the April? Yeah. Yeah. Look. I there there's there's two segments to this advice piece. Right? The first is how do we get the money into the fund? The second is is the the retirement strategy. Now they don't have to work synonymously. They can work separately because, obviously, putting the money in the fund is contingent on when the house sells. The pension is contingent on when you retire. So if you don't need I can start the research today. So I can start the research today, and you I can send you an email, and you can just send me email updates. Hey. I spoke to my employer. They're happy for me to to end as of, you know, this date. And and I can base it on, well, Carol finishes on this date. She's gonna need her first pension payment on this date. And I can base it that. Second to that is, you know, keeping in touch with me and say, hey. My my house has gone under contract. It settles on this date. I'm gonna have to cash in my account on this date. So that way I can work on cool from that date. We're gonna be able to put money in. Because if we go to pension phase first and then you put money in, I'm gonna have to do what's called a refresh. Because I'm gonna move 100% of your money over to a pension account. A pension account cannot receive income, so it can't receive contributions. So if we move to a pension account first, which is fine, I can do that, and then we sell our house and we try to contribute, I need to consider that in the advice documents so that way I'm able to set up a new super account, have the super have your the payment go into your super account, and then basically roll the pension account over and and close it, and then reset up the pension account with all of the money. So it's just it it just depends on how everything falls step by step process wise. I'm gonna assume based on timeline, you're probably gonna retire before house sales. Yeah. Yeah. Yes. No. It it has to go to you first. And what actually happens is your solicitor or your conveyancer will actually handle the will handle the sale. The conveyancer will actually get paid. The conveyancer will then pay off your mortgage, and then you will get the remainder of the proceeds. So that will happen and that those proceeds will get paid into your bank account. The day that settles, you call me up and say, Larissa, I have the money, and I'll say, Carol, this is fantastic news. Here are the payment details, and we pay the money into the account. You will definitely have to go to the bank to do that. Yes. No. No. Of course. I wanna put some of it in. At 15 percent. Correct. But what we what we can do is we can actually put all $330,000 into the super fund. And then after you sit down with your tax agent and you start doing your tax return, you can sit down to your tax agent and say, hey. I put $330,000 into my superannuation fund under a concessional contribution, and I wanna claim some of that. How much can I claim to make it the best tax effective position I can I can put it in? And your tax account your tax account will say, Carol, we can claim blah blah blah blah, and you will then have a form that you will fill out. We will submit to the super The superfund will convert those funds into taxable, and they will they'll pay the tax. And then you get to put that on your tax return and claim it as a deduction, and you walk away with a net zero tax tax outcome. It's it's hey. Money that you don't have to pay to the tax man is always nice. We put we put all in on that non concessional, yeah, non concessional ruling. And then we have twelve months from the end of the financial year to convert it. So somewhere between the 07/01/2026 and 06/30/2027, you just have to go and sit with your accountant somewhere within that twelve months. And so long as you sit with your accountant within that twelve months and you go, let's sit down and do our tax, then your accountant will say you owe this much. And you go, well, how if I was to claim on my super fund as a contribute as a, you know, concessional contribution, how much could I claim to get it to a net zero or to be most tax effective? And your accountant can run the figure, and you can go through from that. Because a 100%, you're correct. We're not gonna know the exact outcome of your of your tax return because you do have the nontaxable component, the expenses, everything else until you actually sit down, until we get really close to the financial year, and we know exactly what it looks like. And you might find it is it might just be, like, a grand that you you claim as a as a, you know, concessional. It might be nothing. It might be nothing expenses that I had to pull you down into that net zero, but the option's there. Yeah. So if you say what we can run with is we are basing everything off you getting 330, at the end of the day, you want to keep $30.40, $50,000 in cash. Whatever is remaining will go into the super fund. If you tell me how much you wanna keep, we can base everything else off. So do you wanna keep 30,000, or do you wanna keep 50? Cool. Perfect. The good thing is because you're fully retired, if there was an emergency, you could always call me up and say, hey, Larissa. I need $10,000, and I can get that money to you, and it's not an issue. Yeah. It's a couple of days. You know, can can be up to a couple of weeks. It's it's it yeah. But what I'm gonna do is I'm gonna have a look at your investments, and I'll make sure that I put you in something that maybe have a little bit more of a bucket strategy where we have a little bit of available cash so we can pull on some cash in an emergent need and go from there. Okay? Yeah. It's always gonna fluctuate a bit. But I could definitely have a look over the investment. I also know that you have your, like, your Australian Superfund as well. What do we wanna do with that account? Now that we're not gonna be working, do we need that insurance? In the superannuation fund, so for any kind of estate or debt claim, it depends on how you wanna pay. If you wanna pay directly to the kids, it pays quickest. If you want it paid through your estate, so through your will, it'll take a little bit longer because they have to set a bank account up. Any death claim yeah. Yes. Yeah. So with any with any superannuation fund, you can nominate either a direct person, a child is always, irrespective of age, an allowable benefit. Yeah. So they're always gonna be allowed to be a a a benefit, like a nomination. The only downside between a direct nomination and a a state nomination is that with a direct nomination, any taxable component of the fund will be taxed at 17% when paid to them versus through the the estate. So if it's paid to a bank account in the name of it it it the bank account would literally be the estate of Carol. When paid there, it only pays 15 percent. They don't have the 2% Medicare levy. It's quicker to pay direct. The yeah. The biggest the money quicker. Yeah. The biggest downside to any kind of estate nominate like, a estate claim is you have to wait for the legal death benefit the death certificate first. That's the thing that takes the longest. The claim actually doesn't take that long. It's generally a couple of months once someone passes and is buried to get the government death certificate. Once the government death certificate arrives, it's pretty quick to get a claim through. I've had claims come through within a couple of weeks for a death like a deceased estate. It's just getting the paperwork altogether, really. Just what is taxable. So the money that so the 300,000 that we're gonna put in will go into the super fund and will be held tax free. So currently so to, I guess, break it down for you, I'll just go over the tax taxation component. Yep. Let's hold that way. So currently in your hub 24, you have a 100 like, a $109,000 that's being tax free. You then have yeah. Yeah. So that's tax free completely. And then you have 280 it's 183. I'm sounding I'm not gonna do with numbers. 2 183,000 that's taxable. So that's what they would pay tax on. Now what I would like to do is we put the $300,000 in, and then what we do from there is in a few years time, we do what's called a recontribution strategy. So we would convert some of the taxable component over to tax free, and we could do that every three years. We could just keep converting money from taxable to tax free because you're retired and you're done working. We could do that nicely. And we could get to the point where we have So there's limitations. So you know how under contributions, you can only put a 110,000 in sorry, 120,000 in each year. Or yeah. So what you can do is you can use what's called a bring forward where you use three years. So you put $360,000 in. We're gonna put 300,000. We could basically put 300,000 in, then do a recontribution of 60,000 and and make like, use the full full amount of the cap that you have available, which is perfect. That's fine. We then can't trigger that rule until we've used those three years. So if we use this financial year of 2627, then it would be twenty seven, twenty eight, twenty eight, twenty nine. So the next time that we could do this would be the financial year 2930. That sorry. That that was that's too far. That sounds so hard. I know. Fifty years ago? Yeah. This is the opportunity. We would plan for it now, but it was something it'd be something that we'd execute slowly over time. It's not something that we could do in the immediate. We would basically I'd have triggers to basically execute that in the financial years that we would we would be allowed to do it, and that would fall under you wanting to limit the tax on your estate. So I'd already kind of started mentally preparing for that, but I absolutely love how many questions you have. Like, I could not even tell you how happy my total is today. No. Don't. Yeah. I mean, what I would do is, basically, I would put in so in the advice, and and and, again, this is me this is me spitballing before I sit down to really tear it apart because I'm I'm as much as this conversation does form basis for advice, when I sit down and I'm not thinking and talking, I'm amazing, but sometimes ideas come to you later on. I sit you can sit down and strategize a little bit more and and make sure that, obviously, anything that I'm wanting to trigger, any order that I'm wanting to trigger it in is best effective for you. But what we would do is we would I would basically have, like, in the advice document something to the effect of when you retire, we're gonna close and roll over AustralianSuper. We will once that money arrives in your hub twenty four fund, we would trigger and set up a pension account paying $1,500 a week. As at, you know, the time that your house then sells, we will then do, say, a contribution of $300,000 into a brand new super fund. We will then do a refresh pension. Or once once we set up the super fund, we will then do the recontribution strategy. So do that extra $60,000 recon strategy. That way we use the full amount of that that cap. We will then set up your reset up your pension account. And then what we will do is we will then, you know, in x amount of times at financial year's last, do another recontribution strategy, continuing your income of $1,500 a week on from there. So I'll make sure that I obviously consider other aspects and other things that we can do, make sure that I'm anyway. And I think it's gonna pretty much be paid off perfectly. It's just a matter of when each thing triggers, which is fine. But if you're comfortable with $1,500 a week in income, if you're comfortable yeah. Yeah. That's okay. I think it it can always be something that you alright. Let's let's put it this way. It's not something you have to answer for me. It's something that you can email to me later. It's just this is a question that's rhetorical and for you to think about. If you were to if you look at your budget right now, how much you earn each week, and you get rid of your mortgage out of that budget, how much do you actually live on? And yeah. Yeah. And your electricity but then you you add on the fuel costs and you add on the campus. So it's what does your budget look like now, and what is your budget gonna look like when you're traveling? Yep. So you're giving yourself a bit of a buffer, which is good. And at the end of the day, you can always turn around yeah. You can always turn around, and you can call me after a few months and go, hey, Larissa. That's too much. I don't need just 800. I've got way too much money sitting here in my bank account. Yeah. I sure will. Yeah. Yeah. That'll yeah. That'll all form part of it. It definitely will. No. Because what I will do is I will include the fact that from 67, pension's gonna hit and how much money will you have in your superannuation fund come '67, and what will you be eligible for from pension, and how is that gonna offset everything from there. I will have it all stepped out and stepped down. Okay. Oh, okay. And I will do a little bit of looking into to see if we can get a sneaky little bit of money from the from the government now. So I know there are a couple of loopholes, but they're not fun. So it just depends on how how little fun you're willing to have. Yeah. Yeah. I mean and, realistically, if you want to, like, if when we run the figures, I don't think it's gonna be an issue. But if when we run the figures, you decide that maybe, you know, the money's not gonna last, so you wanna build up a little bit more of an f peg, you can always be a traveling bookkeeper. I know that accountants are always screaming out for good bookkeepers. So it's always something that you could do. Yeah. Yeah. Yeah. Just do, like, your common work. No. I don't know. Okay. Perfect. So even if you're picking up little cash jobs here and there, you're happy to do that as well? Okay. Alright. So what I'm gonna do today is I have back to back appointments for the rest of the afternoon and at some point have to go and get my kids. Oh my gosh. Do not. You called at the perfect time, to be honest. It I mean, I was trying to have lunch, but so fine. It it enabled me to breathe a little bit more this afternoon, is good. So what I will do is I I'm going to next week, get back to you and, b, you're then able to update me with anything that happened, I e, we go to contract or your employer comes back and says, no. You need to give us x amount of notice, and we're not willing for you to give us that notice until the April. Then it just gives me a timeline on when we wanna do everything. But what I wanna do is I wanna have the advice document ready to go to issue issue to you by the oh, sorry. Hiccups. By the March end of January, March, April. Yeah. March. So I was gonna say May. By the March April. So that way, we're good to go. So even if your employer says no April, we just delay implementing it until that April time line. Yep. Perfect. Absolutely. No. Absolutely can. That's okay. So when do you fly out to South Africa? O two okay. So South Africa I'm so sorry. It's the second till when? Sorry. '20. Perfect. Amazing. I will get that out to you. And we can, yes, we can have a chat when you're back. So I'll send you an email. In worst case, you just communicate over email if there's any changes or anything. But I won't Yes. Yeah. Yeah. That's probably the the biggest point right now. Absolutely. No. Oh my gosh. No. Honestly, you're a pleasure. Any day. This is something I love sinking my teeth into, so I'm excited. And I'm excited for you. Amazing. Perfect. Well, if I don't talk to you beforehand, have the absolutely most amazing time in South Africa. And otherwise, I'm just gonna start tearing everything apart and having a look at everything. The one thing I will need is I'm going to do you have a printer at all? No. That's okay. What I'll do is I'm gonna post out what's called an authority form so I can send it to AustralianSuper to get the research that I need Australian Super. I'll have a look to see whether the authority we currently have in place is still valid. But if it's not, I'll I'll post that out. If it is, I'll put in the email. Perfect. Well, I'll I'll have a look and make sure that it is. And and yeah. And I'll I'll grab the information I need from there just so I can consider the balance and stuff like that coming over. Yeah. Yes. Absolutely. 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you for calling Oaktree Financial. You're speaking with Maddie. Not a problem at all. Let me just pull up your file. My apologies.\n\nApologies, Carol. I'm just pulling this up. Before I go any further, I do just need to pass you through a quick security. Could I confirm your address and date of birth, please? Perfect.\n\nThank you so much for that one. Alrighty. I can see here you booked into Larissa's calendar. I do apologize. We've had a bit of an admin error on our end.\n\nWe've booked it in for 5PM Queensland time. However, Larissa may be available right now if you're still available for the appointment. Yeah. Let me just pop you on a quick hold, and I'll see if she's available now. Okay?\n\nWelcome to Oakview Financial. At Oakview Financial, we use an innovative model of trust and long term holistic advice, revolutionizing the way financial planning is done. Our team is comprised of highly skilled, transparent financial experts, and our vision is to become the most trusted household name in financial planning throughout Australia. We thank you for your patience today and look forward to Hi, Carol. How are you going?\n\nThat's good. So sorry, doll. Booking got moved a couple of times, and I think we just they just forgot to consider the time difference at the same time. No. That's okay.\n\nSo to I guess I guess just to start off, my name is Larissa. So I'm a licensed financial adviser. I'm the head of financial advice here at Oakview. And I guess what I ultimately wanna do and the whole point of the call is to to help you with any advice that you really need. So is there anything specific that you did want to touch on or talk about?\n\nYep. Yep. Yeah. Yes. Yep.\n\nYep. Yeah. Okay. So no. No.\n\nNo. No. You are perfect. You are absolutely perfect. A, you just summarized a lifetime of notes in a three minute phone call, which is more than most people can do, and I absolutely love you for it.\n\nSo that was fantastic. You know what you want, and I'm not having to pull teeth. So this is beautiful. Let's take it one step at a time. So we're selling the house.\n\nDo we have a debt on the house still? $2.09 0. Okay. So $2.09 0 debt, and you expect to walk away with $4.50 after all the debts are paid off. Fantastic.\n\nThen 100%. Perfect. So which gives us the $4.50. Van purchase is gonna be $1.20. So we're basically gonna walk away with about $3.30 in cash to be able to invest, live on, so on and so forth.\n\nWe wanna put we wanna put as much as possible as we can into super, which is fantastic. So there's a couple of different avenues. First and foremost, you're 60. So when again, yep, as you know, not eligible for age pension at the moment, but we could still possibly look at getting some, like, unemployment benefit to kinda top up your income a little bit. We can definitely still get some thing.\n\nIt's not easy, but there are still things that we can do. Generally, they still require you to, like, apply for jobs and do stuff like that. But at your age, you could also get away with, like, volunteering as a way of working because you are over 60. I did skip over that as a mental note, didn't I? Yes.\n\nSo probably not what I'm saying. I'll look into it as a travel travel aspect, but I wanna see if we can get anything from Centrelink because, a, you've worked forever and you wanna get back what you've put in, and we don't wanna be taking away from the money that you've grown personally. So we wanna try and get something. Correct. There are tax advantages to putting money in super.\n\nYes. It is 15%. Can I ask, what do you want to have to earn this financial year? Okay. So about 50, but not quite.\n\nSo under 50. Yep. Yeah. No. That's okay.\n\nSo you have about 24 and a half thousand, you said, In taxable, 4 and a half in nontaxable, 4,000 in tax, and then you said seven to eight thousand that you can pay expenses. Okay. No. That's okay. Definitely on track to further under 50.\n\nIt sounds like we're probably on track from more than likely around the $40,000 mark by the time we consider the expenses, which is okay. It just means that tax effectively, there's not gonna be a massive amount that we can put in for tax effectiveness. Because because how how contributions work in super, right, is that when we put money in super under, like, a salary sacrifice or a lump sum contribution strategy, you put money in. And once that money goes into the super fund, you are then removing money from your taxable income. So let's just say you did earn 50,000 for the year and we put in 10,000 into your super fund.\n\nYour taxable income would go from 50,000 down to 40,000, which means you would only pay tax at the marginal rate on the 40,000, and your super fund would pay 15% tax on the 10,000 that you put in. Now it means that it's just tax effective. Now because marginal rates are they work in brackets, the first $18,200 that you earn is tax free. So it doesn't make sense to put if you earn $50,000, it doesn't make sense to put $50,000 in because then you'd be paying 15% on correct. On a on a tax free.\n\nSo we could put as much in that would basically if you sell your if you sell your house, and this is all coming down to if you sell. You sell your house that's fantastic. So when you sell your house, let's put it that way, when you sell your house, we could put in money. It always has to be within this financial year. We we we put money in to basically completely offset the income that you earn.\n\nSo let's just say you do earn $40,000. We would put we would basically put just over $20,000 in to basically bring you to only earning 18,200. So you would pay no tax, and the rest of the money would go into your super fund. We would pay 15% tax, which is lower than the marginal rate that it would be associated with. We'd pay 11% less in tax in your super fund.\n\nAnd then what we could do is we could then put money in after tax. So it's called non concessional. And what that means is because the sale of your property is tax free earnings, so you don't take you won't pay tax. You won't pay capital gains tax on on your primary residence. That money could go in your super fund as well, and you won't you won't pay any tax in your super fund so that the super fund won't won't pay the 15 cents?\n\nIt's how you allocate the money. So with with contributions, so from your employer or concessional, the money that gets taxed within the super fund, there are caps to to $30,000 a year. So you can only put $3,000 within the fund within any given year before you go over that cap and you pay more tax. You pay more than the 15%. So really high income payments, they you know, if you're earning over the $300,000 a year, their employer is already putting over $30,000 in.\n\nSo they get taxed at a higher rate in their super funds because of their high income. And then tax free money, so, like, the same on it. And what happens is that money sits tax free. So that means that for your kids, from an estate planning point of view, that money is going to sit in a much better position for them in the event that something happens to you from a client's perspective. Now there's a couple of different things we can do to get as much money into funds as possible, and and we could realistically probably put we could put all $330,000 into that fund in a tax free position in one year.\n\nIn one year. Yep. And then we can set up a pension account to have the money come in and repeat you every month, every two weeks, once a quarter, however you want the money to come to you. And then because you're fully retired, we can have it come out as much as you want. No.\n\nIt won't be. So because you will be fully retired, you won't be restricted to 10. You'll have full eligibility requirements, and you'll be able to access as much as you want. Yeah. So brings up a lot for you.\n\nYeah. Yeah. That's fine. So from April, you need to draw an income. And how much were you looking to actually draw?\n\nThat's okay. So if you don't necessarily know the income, I can start working on the figures as to how we put the money into the super fund after you sell the house, how we progress with putting that in in a tax effective position. And then from that, once we're tax effective, we've got the money in, we can just work on how much you need from a broad position if you don't quite know what that exactly looks like yet. Yes. Yep.\n\nYes. Okay. So you're you're wanting to you're wanting to retire in April at the at the April? Yeah. Yeah.\n\nLook. I there there's there's two segments to this advice piece. Right? The first is how do we get the money into the fund? The second is is the the retirement strategy.\n\nNow they don't have to work synonymously. They can work separately because, obviously, putting the money in the fund is contingent on when the house sells. The pension is contingent on when you retire. So if you don't need I can start the research today. So I can start the research today, and you I can send you an email, and you can just send me email updates.\n\nHey. I spoke to my employer. They're happy for me to to end as of, you know, this date. And and I can base it on, well, Carol finishes on this date. She's gonna need her first pension payment on this date.\n\nAnd I can base it that. Second to that is, you know, keeping in touch with me and say, hey. My my house has gone under contract. It settles on this date. I'm gonna have to cash in my account on this date.\n\nSo that way I can work on cool from that date. We're gonna be able to put money in. Because if we go to pension phase first and then you put money in, I'm gonna have to do what's called a refresh. Because I'm gonna move 100% of your money over to a pension account. A pension account cannot receive income, so it can't receive contributions.\n\nSo if we move to a pension account first, which is fine, I can do that, and then we sell our house and we try to contribute, I need to consider that in the advice documents so that way I'm able to set up a new super account, have the super have your the payment go into your super account, and then basically roll the pension account over and and close it, and then reset up the pension account with all of the money. So it's just it it just depends on how everything falls step by step process wise. I'm gonna assume based on timeline, you're probably gonna retire before house sales. Yeah. Yeah.\n\nYes. No. It it has to go to you first. And what actually happens is your solicitor or your conveyancer will actually handle the will handle the sale. The conveyancer will actually get paid.\n\nThe conveyancer will then pay off your mortgage, and then you will get the remainder of the proceeds. So that will happen and that those proceeds will get paid into your bank account. The day that settles, you call me up and say, Larissa, I have the money, and I'll say, Carol, this is fantastic news. Here are the payment details, and we pay the money into the account. You will definitely have to go to the bank to do that.\n\nYes. No. No. Of course. I wanna put some of it in.\n\nAt 15 percent. Correct. But what we what we can do is we can actually put all $330,000 into the super fund. And then after you sit down with your tax agent and you start doing your tax return, you can sit down to your tax agent and say, hey. I put $330,000 into my superannuation fund under a concessional contribution, and I wanna claim some of that.\n\nHow much can I claim to make it the best tax effective position I can I can put it in? And your tax account your tax account will say, Carol, we can claim blah blah blah blah, and you will then have a form that you will fill out. We will submit to the super The superfund will convert those funds into taxable, and they will they'll pay the tax. And then you get to put that on your tax return and claim it as a deduction, and you walk away with a net zero tax tax outcome. It's it's hey.\n\nMoney that you don't have to pay to the tax man is always nice. We put we put all in on that non concessional, yeah, non concessional ruling. And then we have twelve months from the end of the financial year to convert it. So somewhere between the 07/01/2026 and 06/30/2027, you just have to go and sit with your accountant somewhere within that twelve months. And so long as you sit with your accountant within that twelve months and you go, let's sit down and do our tax, then your accountant will say you owe this much.\n\nAnd you go, well, how if I was to claim on my super fund as a contribute as a, you know, concessional contribution, how much could I claim to get it to a net zero or to be most tax effective? And your accountant can run the figure, and you can go through from that. Because a 100%, you're correct. We're not gonna know the exact outcome of your of your tax return because you do have the nontaxable component, the expenses, everything else until you actually sit down, until we get really close to the financial year, and we know exactly what it looks like. And you might find it is it might just be, like, a grand that you you claim as a as a, you know, concessional.\n\nIt might be nothing. It might be nothing expenses that I had to pull you down into that net zero, but the option's there. Yeah. So if you say what we can run with is we are basing everything off you getting 330, at the end of the day, you want to keep $30.40, $50,000 in cash. Whatever is remaining will go into the super fund.\n\nIf you tell me how much you wanna keep, we can base everything else off. So do you wanna keep 30,000, or do you wanna keep 50? Cool. Perfect. The good thing is because you're fully retired, if there was an emergency, you could always call me up and say, hey, Larissa.\n\nI need $10,000, and I can get that money to you, and it's not an issue. Yeah. It's a couple of days. You know, can can be up to a couple of weeks. It's it's it yeah.\n\nBut what I'm gonna do is I'm gonna have a look at your investments, and I'll make sure that I put you in something that maybe have a little bit more of a bucket strategy where we have a little bit of available cash so we can pull on some cash in an emergent need and go from there. Okay? Yeah. It's always gonna fluctuate a bit. But I could definitely have a look over the investment.\n\nI also know that you have your, like, your Australian Superfund as well. What do we wanna do with that account? Now that we're not gonna be working, do we need that insurance? In the superannuation fund, so for any kind of estate or debt claim, it depends on how you wanna pay. If you wanna pay directly to the kids, it pays quickest.\n\nIf you want it paid through your estate, so through your will, it'll take a little bit longer because they have to set a bank account up. Any death claim yeah. Yes. Yeah. So with any with any superannuation fund, you can nominate either a direct person, a child is always, irrespective of age, an allowable benefit.\n\nYeah. So they're always gonna be allowed to be a a a benefit, like a nomination. The only downside between a direct nomination and a a state nomination is that with a direct nomination, any taxable component of the fund will be taxed at 17% when paid to them versus through the the estate. So if it's paid to a bank account in the name of it it it the bank account would literally be the estate of Carol. When paid there, it only pays 15 percent.\n\nThey don't have the 2% Medicare levy. It's quicker to pay direct. The yeah. The biggest the money quicker. Yeah.\n\nThe biggest downside to any kind of estate nominate like, a estate claim is you have to wait for the legal death benefit the death certificate first. That's the thing that takes the longest. The claim actually doesn't take that long. It's generally a couple of months once someone passes and is buried to get the government death certificate. Once the government death certificate arrives, it's pretty quick to get a claim through.\n\nI've had claims come through within a couple of weeks for a death like a deceased estate. It's just getting the paperwork altogether, really. Just what is taxable. So the money that so the 300,000 that we're gonna put in will go into the super fund and will be held tax free. So currently so to, I guess, break it down for you, I'll just go over the tax taxation component.\n\nYep. Let's hold that way. So currently in your hub 24, you have a 100 like, a $109,000 that's being tax free. You then have yeah. Yeah.\n\nSo that's tax free completely. And then you have 280 it's 183. I'm sounding I'm not gonna do with numbers. 2 183,000 that's taxable. So that's what they would pay tax on.\n\nNow what I would like to do is we put the $300,000 in, and then what we do from there is in a few years time, we do what's called a recontribution strategy. So we would convert some of the taxable component over to tax free, and we could do that every three years. We could just keep converting money from taxable to tax free because you're retired and you're done working. We could do that nicely. And we could get to the point where we have So there's limitations.\n\nSo you know how under contributions, you can only put a 110,000 in sorry, 120,000 in each year. Or yeah. So what you can do is you can use what's called a bring forward where you use three years. So you put $360,000 in. We're gonna put 300,000.\n\nWe could basically put 300,000 in, then do a recontribution of 60,000 and and make like, use the full full amount of the cap that you have available, which is perfect. That's fine. We then can't trigger that rule until we've used those three years. So if we use this financial year of 2627, then it would be twenty seven, twenty eight, twenty eight, twenty nine. So the next time that we could do this would be the financial year 2930.\n\nThat sorry. That that was that's too far. That sounds so hard. I know. Fifty years ago?\n\nYeah. This is the opportunity. We would plan for it now, but it was something it'd be something that we'd execute slowly over time. It's not something that we could do in the immediate. We would basically I'd have triggers to basically execute that in the financial years that we would we would be allowed to do it, and that would fall under you wanting to limit the tax on your estate.\n\nSo I'd already kind of started mentally preparing for that, but I absolutely love how many questions you have. Like, I could not even tell you how happy my total is today. No. Don't. Yeah.\n\nI mean, what I would do is, basically, I would put in so in the advice, and and and, again, this is me this is me spitballing before I sit down to really tear it apart because I'm I'm as much as this conversation does form basis for advice, when I sit down and I'm not thinking and talking, I'm amazing, but sometimes ideas come to you later on. I sit you can sit down and strategize a little bit more and and make sure that, obviously, anything that I'm wanting to trigger, any order that I'm wanting to trigger it in is best effective for you. But what we would do is we would I would basically have, like, in the advice document something to the effect of when you retire, we're gonna close and roll over AustralianSuper. We will once that money arrives in your hub twenty four fund, we would trigger and set up a pension account paying $1,500 a week. As at, you know, the time that your house then sells, we will then do, say, a contribution of $300,000 into a brand new super fund.\n\nWe will then do a refresh pension. Or once once we set up the super fund, we will then do the recontribution strategy. So do that extra $60,000 recon strategy. That way we use the full amount of that that cap. We will then set up your reset up your pension account.\n\nAnd then what we will do is we will then, you know, in x amount of times at financial year's last, do another recontribution strategy, continuing your income of $1,500 a week on from there. So I'll make sure that I obviously consider other aspects and other things that we can do, make sure that I'm anyway. And I think it's gonna pretty much be paid off perfectly. It's just a matter of when each thing triggers, which is fine. But if you're comfortable with $1,500 a week in income, if you're comfortable yeah.\n\nYeah. That's okay. I think it it can always be something that you alright. Let's let's put it this way. It's not something you have to answer for me.\n\nIt's something that you can email to me later. It's just this is a question that's rhetorical and for you to think about. If you were to if you look at your budget right now, how much you earn each week, and you get rid of your mortgage out of that budget, how much do you actually live on? And yeah. Yeah.\n\nAnd your electricity but then you you add on the fuel costs and you add on the campus. So it's what does your budget look like now, and what is your budget gonna look like when you're traveling? Yep. So you're giving yourself a bit of a buffer, which is good. And at the end of the day, you can always turn around yeah.\n\nYou can always turn around, and you can call me after a few months and go, hey, Larissa. That's too much. I don't need just 800. I've got way too much money sitting here in my bank account. Yeah.\n\nI sure will. Yeah. Yeah. That'll yeah. That'll all form part of it.\n\nIt definitely will. No. Because what I will do is I will include the fact that from 67, pension's gonna hit and how much money will you have in your superannuation fund come '67, and what will you be eligible for from pension, and how is that gonna offset everything from there. I will have it all stepped out and stepped down. Okay.\n\nOh, okay. And I will do a little bit of looking into to see if we can get a sneaky little bit of money from the from the government now. So I know there are a couple of loopholes, but they're not fun. So it just depends on how how little fun you're willing to have. Yeah.\n\nYeah. I mean and, realistically, if you want to, like, if when we run the figures, I don't think it's gonna be an issue. But if when we run the figures, you decide that maybe, you know, the money's not gonna last, so you wanna build up a little bit more of an f peg, you can always be a traveling bookkeeper. I know that accountants are always screaming out for good bookkeepers. So it's always something that you could do.\n\nYeah. Yeah. Yeah. Just do, like, your common work. No.\n\nI don't know. Okay. Perfect. So even if you're picking up little cash jobs here and there, you're happy to do that as well? Okay.\n\nAlright. So what I'm gonna do today is I have back to back appointments for the rest of the afternoon and at some point have to go and get my kids. Oh my gosh. Do not. You called at the perfect time, to be honest.\n\nIt I mean, I was trying to have lunch, but so fine. It it enabled me to breathe a little bit more this afternoon, is good. So what I will do is I I'm going to next week, get back to you and, b, you're then able to update me with anything that happened, I e, we go to contract or your employer comes back and says, no. You need to give us x amount of notice, and we're not willing for you to give us that notice until the April. Then it just gives me a timeline on when we wanna do everything.\n\nBut what I wanna do is I wanna have the advice document ready to go to issue issue to you by the oh, sorry. Hiccups. By the March end of January, March, April. Yeah. March.\n\nSo I was gonna say May. By the March April. So that way, we're good to go. So even if your employer says no April, we just delay implementing it until that April time line. Yep.\n\nPerfect. Absolutely. No. Absolutely can. That's okay.\n\nSo when do you fly out to South Africa? O two okay. So South Africa I'm so sorry. It's the second till when? Sorry.\n\n'20. Perfect. Amazing. I will get that out to you. And we can, yes, we can have a chat when you're back.\n\nSo I'll send you an email. In worst case, you just communicate over email if there's any changes or anything. But I won't Yes. Yeah. Yeah.\n\nThat's probably the the biggest point right now. Absolutely. No. Oh my gosh. No.\n\nHonestly, you're a pleasure. Any day. This is something I love sinking my teeth into, so I'm excited. And I'm excited for you. Amazing.\n\nPerfect. Well, if I don't talk to you beforehand, have the absolutely most amazing time in South Africa. And otherwise, I'm just gonna start tearing everything apart and having a look at everything. The one thing I will need is I'm going to do you have a printer at all? No.\n\nThat's okay. What I'll do is I'm gonna post out what's called an authority form so I can send it to AustralianSuper to get the research that I need Australian Super. I'll have a look to see whether the authority we currently have in place is still valid. But if it's not, I'll I'll post that out. If it is, I'll put in the email.\n\nPerfect. Well, I'll I'll have a look and make sure that it is. And and yeah. And I'll I'll grab the information I need from there just so I can consider the balance and stuff like that coming over. Yeah.\n\nYes. Absolutely. No. And I will I will consider those points in the document as well.","paragraphs":[{"sentences":[{"text":"Thank you for calling Oaktree Financial.","start":1.92,"end":3.78,"sentiment":"positive","sentiment_score":0.4882603585720062},{"text":"You're speaking with Maddie.","start":3.9199998,"end":4.98,"sentiment":"neutral","sentiment_score":0.18245501816272736},{"text":"Not a problem at all.","start":14.754999,"end":16.195,"sentiment":"neutral","sentiment_score":0.09449734464287758},{"text":"Let me just pull up your file.","start":16.195,"end":18.515,"sentiment":"neutral","sentiment_score":0.04272944426962307},{"text":"My apologies.","start":18.515,"end":19.255,"sentiment":"neutral","sentiment_score":-0.09729501977562904}],"sentiment":"neutral","sentiment_score":0.17651604240139326,"num_words":24,"start":1.92,"end":19.255},{"sentences":[{"text":"Apologies, Carol.","start":30.45,"end":31.41,"sentiment":"neutral","sentiment_score":-0.019655925687402487},{"text":"I'm just pulling this up.","start":31.41,"end":32.95,"sentiment":"neutral","sentiment_score":-0.004703982919454575},{"text":"Before I go any further, I do just need to pass you through a quick security.","start":39.89,"end":43.274998,"sentiment":"neutral","sentiment_score":0.014364000991918147},{"text":"Could I confirm your address and date of birth, please?","start":43.274998,"end":46.655,"sentiment":"neutral","sentiment_score":0.02268035467714071},{"text":"Perfect.","start":58.86,"end":59.34,"sentiment":"positive","sentiment_score":0.5349975228309631}],"sentiment":"neutral","sentiment_score":0.027317450573558315,"num_words":34,"start":30.45,"end":59.34},{"sentences":[{"text":"Thank you so much for that one.","start":59.34,"end":60.96,"sentiment":"positive","sentiment_score":0.6866525837353298},{"text":"Alrighty.","start":61.42,"end":61.92,"sentiment":"neutral","sentiment_score":0.19745205342769623},{"text":"I can see here you booked into Larissa's calendar.","start":62.3,"end":65.52,"sentiment":"neutral","sentiment_score":0.09372469037771225},{"text":"I do apologize.","start":65.74,"end":66.88,"sentiment":"neutral","sentiment_score":-0.05263024071852366},{"text":"We've had a bit of an admin error on our end.","start":66.94,"end":69.34,"sentiment":"neutral","sentiment_score":-0.12308066473765807}],"sentiment":"neutral","sentiment_score":0.1398633651195034,"num_words":31,"start":59.34,"end":69.34},{"sentences":[{"text":"We've booked it in for 5PM Queensland time.","start":69.34,"end":71.66,"sentiment":"neutral","sentiment_score":-0.02448300179094076},{"text":"However, Larissa may be available right now if you're still available for the appointment.","start":71.66,"end":76.785,"sentiment":"neutral","sentiment_score":0.00869544648698398},{"text":"Yeah.","start":78.525,"end":79.005005,"sentiment":"neutral","sentiment_score":0.0797797292470932},{"text":"Let me just pop you on a quick hold, and I'll see if she's available now.","start":79.005005,"end":81.645004,"sentiment":"neutral","sentiment_score":0.06950552272610366},{"text":"Okay?","start":81.645004,"end":82.145004,"sentiment":"neutral","sentiment_score":0.03948015347123146}],"sentiment":"neutral","sentiment_score":0.028930512070655823,"num_words":40,"start":69.34,"end":82.145004},{"sentences":[{"text":"Welcome to Oakview Financial.","start":89.78,"end":91.72,"sentiment":"neutral","sentiment_score":0.2189515233039856},{"text":"At Oakview Financial, we use an innovative model of trust and long term holistic advice, revolutionizing the way financial planning is done.","start":92.259995,"end":101.314995,"sentiment":"positive","sentiment_score":0.34110836684703827},{"text":"Our team is comprised of highly skilled, transparent financial experts, and our vision is to become the most trusted household name in financial planning throughout Australia.","start":101.615,"end":112.435,"sentiment":"positive","sentiment_score":0.385300127359537},{"text":"We thank you for your patience today and look forward to Hi, Carol.","start":113.36,"end":119.68,"sentiment":"positive","sentiment_score":0.41260661757909334},{"text":"How are you going?","start":119.68,"end":120.58,"sentiment":"neutral","sentiment_score":0.24658573791384697}],"sentiment":"positive","sentiment_score":0.35866989065771515,"num_words":69,"start":89.78,"end":120.58},{"sentences":[{"text":"That's good.","start":123.04,"end":123.840004,"sentiment":"neutral","sentiment_score":0.3271860182285309},{"text":"So sorry, doll.","start":123.840004,"end":125.14,"sentiment":"neutral","sentiment_score":-0.03026607756813367},{"text":"Booking got moved a couple of times, and I think we just they just forgot to consider the time difference at the same time.","start":125.33501,"end":131.755,"sentiment":"neutral","sentiment_score":-0.09478716924786568},{"text":"No.","start":134.215,"end":134.455,"sentiment":"neutral","sentiment_score":-0.025364097207784653},{"text":"That's okay.","start":134.455,"end":135.435,"sentiment":"neutral","sentiment_score":0.026501120068132877}],"sentiment":"neutral","sentiment_score":-0.052615003602113575,"num_words":32,"start":123.04,"end":135.435},{"sentences":[{"text":"So to I guess I guess just to start off, my name is Larissa.","start":135.655,"end":142.98,"sentiment":"neutral","sentiment_score":0.056485419560756},{"text":"So I'm a licensed financial adviser.","start":143.52,"end":145.36,"sentiment":"neutral","sentiment_score":0.1077616885304451},{"text":"I'm the head of financial advice here at Oakview.","start":145.36,"end":147.86,"sentiment":"neutral","sentiment_score":0.16238574104176628},{"text":"And I guess what I ultimately wanna do and the whole point of the call is to to help you with any advice that you really need.","start":148.8,"end":157.685,"sentiment":"neutral","sentiment_score":0.2437451465262307},{"text":"So is there anything specific that you did want to touch on or talk about?","start":157.685,"end":164.105,"sentiment":"neutral","sentiment_score":0.04424098779757817}],"sentiment":"neutral","sentiment_score":0.1428672034870571,"num_words":71,"start":135.655,"end":164.105},{"sentences":[{"text":"Yep.","start":186.695,"end":187.195,"sentiment":"neutral","sentiment_score":-0.01660478487610817},{"text":"Yep.","start":201.08,"end":201.58,"sentiment":"neutral","sentiment_score":0.009413672611117365},{"text":"Yeah.","start":217.44499,"end":217.94499,"sentiment":"neutral","sentiment_score":-0.0017156824469566343},{"text":"Yes.","start":225.82,"end":226.32,"sentiment":"neutral","sentiment_score":0.06628575921058655},{"text":"Yep.","start":233.9,"end":234.4,"sentiment":"neutral","sentiment_score":0.06920786201953888}],"sentiment":"neutral","sentiment_score":0.025317365303635597,"num_words":5,"start":186.695,"end":234.4},{"sentences":[{"text":"Yep.","start":262.25,"end":262.75,"sentiment":"neutral","sentiment_score":-0.04094431921839714},{"text":"Yeah.","start":284.92,"end":285.4,"sentiment":"neutral","sentiment_score":0.00449768640100956},{"text":"Okay.","start":285.4,"end":285.9,"sentiment":"neutral","sentiment_score":0.017278701066970825},{"text":"So no.","start":287.56,"end":288.6,"sentiment":"neutral","sentiment_score":-0.016061365604400635},{"text":"No.","start":288.6,"end":288.76,"sentiment":"neutral","sentiment_score":-0.10316580533981325}],"sentiment":"neutral","sentiment_score":-0.02574274471650521,"num_words":6,"start":262.25,"end":288.76},{"sentences":[{"text":"No.","start":288.76,"end":288.92,"sentiment":"neutral","sentiment_score":-0.12125202268362044},{"text":"No.","start":288.92,"end":289.16,"sentiment":"neutral","sentiment_score":-0.07684445381164551},{"text":"You are perfect.","start":289.16,"end":290.04,"sentiment":"neutral","sentiment_score":0.3112834244966507},{"text":"You are absolutely perfect.","start":290.04,"end":291.42,"sentiment":"positive","sentiment_score":0.5987693816423416},{"text":"A, you just summarized a lifetime of notes in a three minute phone call, which is more than most people can do, and I absolutely love you for it.","start":291.76498,"end":301.125,"sentiment":"positive","sentiment_score":0.5060252876117312}],"sentiment":"positive","sentiment_score":0.46856749116590146,"num_words":38,"start":288.76,"end":301.125},{"sentences":[{"text":"So that was fantastic.","start":301.125,"end":302.10498,"sentiment":"positive","sentiment_score":0.7633525878190994},{"text":"You know what you want, and I'm not having to pull teeth.","start":302.245,"end":305.09,"sentiment":"neutral","sentiment_score":0.2356364851196607},{"text":"So this is beautiful.","start":305.09,"end":306.39,"sentiment":"positive","sentiment_score":0.6357967406511307},{"text":"Let's take it one step at a time.","start":307.89,"end":309.65,"sentiment":"neutral","sentiment_score":0.18479645438492298},{"text":"So we're selling the house.","start":309.65,"end":310.95,"sentiment":"neutral","sentiment_score":0.018144433200359345}],"sentiment":"neutral","sentiment_score":0.30282814958781906,"num_words":33,"start":301.125,"end":310.95},{"sentences":[{"text":"Do we have a debt on the house still?","start":311.57,"end":313.75,"sentiment":"neutral","sentiment_score":-0.011413327728708586},{"text":"$2.09 0.","start":316.45,"end":317.41,"sentiment":"neutral","sentiment_score":-0.0007758985739201307},{"text":"Okay.","start":317.41,"end":317.73,"sentiment":"neutral","sentiment_score":0.003915189765393734},{"text":"So $2.09 0 debt, and you expect to walk away with $4.50 after all the debts are paid off.","start":317.73,"end":324.535,"sentiment":"neutral","sentiment_score":0.03046490953879823},{"text":"Fantastic.","start":324.535,"end":325.035,"sentiment":"positive","sentiment_score":0.7654599547386169}],"sentiment":"neutral","sentiment_score":0.038873021219842485,"num_words":32,"start":311.57,"end":325.035},{"sentences":[{"text":"Then 100%.","start":325.655,"end":340.28,"sentiment":"positive","sentiment_score":0.42776772379875183},{"text":"Perfect.","start":341.53998,"end":341.94,"sentiment":"positive","sentiment_score":0.6484388113021851},{"text":"So which gives us the $4.50.","start":341.94,"end":343.96,"sentiment":"neutral","sentiment_score":0.3172892977794011},{"text":"Van purchase is gonna be $1.20.","start":344.34,"end":347.0,"sentiment":"neutral","sentiment_score":0.1578100137412548},{"text":"So we're basically gonna walk away with about $3.30 in cash to be able to invest, live on, so on and so forth.","start":347.28497,"end":356.34497,"sentiment":"neutral","sentiment_score":0.2519714524564536}],"sentiment":"neutral","sentiment_score":0.26710298775058045,"num_words":38,"start":325.655,"end":356.34497},{"sentences":[{"text":"We wanna put we wanna put as much as possible as we can into super, which is fantastic.","start":356.805,"end":362.2,"sentiment":"neutral","sentiment_score":0.2628016736772325},{"text":"So there's a couple of different avenues.","start":362.34,"end":364.04,"sentiment":"neutral","sentiment_score":0.11152043991855212},{"text":"First and foremost, you're 60.","start":364.34,"end":367.06,"sentiment":"neutral","sentiment_score":0.025178851559758186},{"text":"So when again, yep, as you know, not eligible for age pension at the moment, but we could still possibly look at getting some, like, unemployment benefit to kinda top up your income a little bit.","start":367.06,"end":379.005,"sentiment":"neutral","sentiment_score":0.01841943665769779},{"text":"We can definitely still get some thing.","start":384.665,"end":387.09,"sentiment":"neutral","sentiment_score":0.014350953911031996}],"sentiment":"neutral","sentiment_score":0.08767840904757788,"num_words":73,"start":356.805,"end":387.09},{"sentences":[{"text":"It's not easy, but there are still things that we can do.","start":387.09,"end":392.22998,"sentiment":"neutral","sentiment_score":0.028108249728878338},{"text":"Generally, they still require you to, like, apply for jobs and do stuff like that.","start":393.25,"end":398.46997,"sentiment":"neutral","sentiment_score":0.01511879488825798},{"text":"But at your age, you could also get away with, like, volunteering as a way of working because you are over 60.","start":399.16998,"end":407.535,"sentiment":"neutral","sentiment_score":0.044471740891987625},{"text":"I did skip over that as a mental note, didn't I?","start":412.75998,"end":415.63998,"sentiment":"neutral","sentiment_score":-0.01960196646607735},{"text":"Yes.","start":415.63998,"end":416.03998,"sentiment":"neutral","sentiment_score":0.01097201369702816}],"sentiment":"neutral","sentiment_score":0.021931304955152702,"num_words":61,"start":387.09,"end":416.03998},{"sentences":[{"text":"So probably not what I'm saying.","start":416.03998,"end":419.41998,"sentiment":"neutral","sentiment_score":-0.04754446633160114},{"text":"I'll look into it as a travel travel aspect, but I wanna see if we can get anything from Centrelink because, a, you've worked forever and you wanna get back what you've put in, and we don't wanna be taking away from the money that you've grown personally.","start":419.47998,"end":434.005,"sentiment":"neutral","sentiment_score":0.03531622494726131},{"text":"So we wanna try and get something.","start":434.005,"end":435.465,"sentiment":"neutral","sentiment_score":0.06764067922319685},{"text":"Correct.","start":437.605,"end":438.005,"sentiment":"neutral","sentiment_score":0.093419186770916},{"text":"There are tax advantages to putting money in super.","start":438.005,"end":440.645,"sentiment":"neutral","sentiment_score":0.10005969802538554}],"sentiment":"neutral","sentiment_score":0.040526101732967605,"num_words":71,"start":416.03998,"end":440.645},{"sentences":[{"text":"Yes.","start":440.645,"end":440.885,"sentiment":"neutral","sentiment_score":0.06767471134662628},{"text":"It is 15%.","start":440.885,"end":442.345,"sentiment":"neutral","sentiment_score":0.05896305168668429},{"text":"Can I ask, what do you want to have to earn this financial year?","start":442.94,"end":445.84,"sentiment":"neutral","sentiment_score":0.009524744802287646},{"text":"Okay.","start":451.74,"end":452.06,"sentiment":"neutral","sentiment_score":-0.0322146862745285},{"text":"So about 50, but not quite.","start":452.06,"end":454.30002,"sentiment":"neutral","sentiment_score":-0.053726994742949806}],"sentiment":"neutral","sentiment_score":0.0009333455562591553,"num_words":25,"start":440.645,"end":454.30002},{"sentences":[{"text":"So under 50.","start":454.30002,"end":466.005,"sentiment":"neutral","sentiment_score":-0.017018554732203484},{"text":"Yep.","start":466.305,"end":466.805,"sentiment":"neutral","sentiment_score":-0.028190281242132187},{"text":"Yeah.","start":496.985,"end":497.485,"sentiment":"neutral","sentiment_score":-0.05440478026866913},{"text":"No.","start":547.455,"end":547.695,"sentiment":"neutral","sentiment_score":-0.08523955941200256},{"text":"That's okay.","start":547.695,"end":548.095,"sentiment":"neutral","sentiment_score":0.01472431537695229}],"sentiment":"neutral","sentiment_score":-0.02368020679568872,"num_words":8,"start":454.30002,"end":548.095},{"sentences":[{"text":"So you have about 24 and a half thousand, you said, In taxable, 4 and a half in nontaxable, 4,000 in tax, and then you said seven to eight thousand that you can pay expenses.","start":548.095,"end":560.55,"sentiment":"neutral","sentiment_score":0.02074603882086064},{"text":"Okay.","start":560.77,"end":561.27,"sentiment":"neutral","sentiment_score":-0.03298545628786087},{"text":"No.","start":586.68,"end":586.92,"sentiment":"neutral","sentiment_score":-0.18309152126312256},{"text":"That's okay.","start":586.92,"end":587.66,"sentiment":"neutral","sentiment_score":-0.025735499337315566},{"text":"Definitely on track to further under 50.","start":589.24,"end":592.36,"sentiment":"neutral","sentiment_score":0.1739319392613002}],"sentiment":"neutral","sentiment_score":0.03643667298551325,"num_words":46,"start":548.095,"end":592.36},{"sentences":[{"text":"It sounds like we're probably on track from more than likely around the $40,000 mark by the time we consider the expenses, which is okay.","start":592.36,"end":601.47504,"sentiment":"neutral","sentiment_score":0.12404224619269372},{"text":"It just means that tax effectively, there's not gonna be a massive amount that we can put in for tax effectiveness.","start":601.615,"end":608.195,"sentiment":"neutral","sentiment_score":0.08638743346645719},{"text":"Because because how how contributions work in super, right, is that when we put money in super under, like, a salary sacrifice or a lump sum contribution strategy, you put money in.","start":609.72003,"end":621.56,"sentiment":"neutral","sentiment_score":0.10784536879509687},{"text":"And once that money goes into the super fund, you are then removing money from your taxable income.","start":621.56,"end":630.115,"sentiment":"neutral","sentiment_score":0.13307883186886707},{"text":"So let's just say you did earn 50,000 for the year and we put in 10,000 into your super fund.","start":630.255,"end":634.835,"sentiment":"neutral","sentiment_score":0.07779451394453644}],"sentiment":"neutral","sentiment_score":0.10618580441022742,"num_words":116,"start":592.36,"end":634.835},{"sentences":[{"text":"Your taxable income would go from 50,000 down to 40,000, which means you would only pay tax at the marginal rate on the 40,000, and your super fund would pay 15% tax on the 10,000 that you put in.","start":635.055,"end":649.06,"sentiment":"neutral","sentiment_score":0.11662278238397378},{"text":"Now it means that it's just tax effective.","start":649.6,"end":651.94,"sentiment":"neutral","sentiment_score":0.25407923199236393},{"text":"Now because marginal rates are they work in brackets, the first $18,200 that you earn is tax free.","start":652.47504,"end":659.67505,"sentiment":"neutral","sentiment_score":0.15173140871855947},{"text":"So it doesn't make sense to put if you earn $50,000, it doesn't make sense to put $50,000 in because then you'd be paying 15% on correct.","start":659.67505,"end":669.95,"sentiment":"neutral","sentiment_score":-0.13108283736639553},{"text":"On a on a tax free.","start":669.95,"end":671.23004,"sentiment":"neutral","sentiment_score":0.0776942502707243}],"sentiment":"neutral","sentiment_score":0.06366343488346557,"num_words":98,"start":635.055,"end":671.23004},{"sentences":[{"text":"So we could put as much in that would basically if you sell your if you sell your house, and this is all coming down to if you sell.","start":671.23004,"end":677.715,"sentiment":"neutral","sentiment_score":0.1299764081064997},{"text":"You sell your house that's fantastic.","start":677.79504,"end":680.455,"sentiment":"positive","sentiment_score":0.5643235594034195},{"text":"So when you sell your house, let's put it that way, when you sell your house, we could put in money.","start":680.59503,"end":686.29504,"sentiment":"neutral","sentiment_score":0.274019079548972},{"text":"It always has to be within this financial year.","start":686.67505,"end":689.255,"sentiment":"neutral","sentiment_score":0.19690823058287302},{"text":"We we we put money in to basically completely offset the income that you earn.","start":689.955,"end":696.75,"sentiment":"neutral","sentiment_score":0.2853698283433914}],"sentiment":"neutral","sentiment_score":0.23702974203042687,"num_words":80,"start":671.23004,"end":696.75},{"sentences":[{"text":"So let's just say you do earn $40,000.","start":696.75,"end":699.17004,"sentiment":"neutral","sentiment_score":0.18486724607646465},{"text":"We would put we would basically put just over $20,000 in to basically bring you to only earning 18,200.","start":699.31,"end":708.585,"sentiment":"neutral","sentiment_score":0.27099492675379705},{"text":"So you would pay no tax, and the rest of the money would go into your super fund.","start":709.04504,"end":715.60504,"sentiment":"neutral","sentiment_score":0.2301410867108239},{"text":"We would pay 15% tax, which is lower than the marginal rate that it would be associated with.","start":715.60504,"end":720.98505,"sentiment":"neutral","sentiment_score":0.2101393917368518},{"text":"We'd pay 11% less in tax in your super fund.","start":721.13,"end":725.45,"sentiment":"neutral","sentiment_score":0.21712706238031387}],"sentiment":"neutral","sentiment_score":0.22909809332596112,"num_words":73,"start":696.75,"end":725.45},{"sentences":[{"text":"And then what we could do is we could then put money in after tax.","start":725.45,"end":730.02997,"sentiment":"neutral","sentiment_score":0.1882949153582255},{"text":"So it's called non concessional.","start":730.08997,"end":732.11,"sentiment":"neutral","sentiment_score":0.15110993534326553},{"text":"And what that means is because the sale of your property is tax free earnings, so you don't take you won't pay tax.","start":732.81,"end":739.875,"sentiment":"neutral","sentiment_score":0.24947943473639694},{"text":"You won't pay capital gains tax on on your primary residence.","start":739.875,"end":743.655,"sentiment":"neutral","sentiment_score":0.06085114113309167},{"text":"That money could go in your super fund as well, and you won't you won't pay any tax in your super fund so that the super fund won't won't pay the 15 cents?","start":743.875,"end":756.95,"sentiment":"neutral","sentiment_score":0.29670577422913275}],"sentiment":"neutral","sentiment_score":0.22734084492014056,"num_words":87,"start":725.45,"end":756.95},{"sentences":[{"text":"It's how you allocate the money.","start":758.37,"end":760.14996,"sentiment":"neutral","sentiment_score":0.1272164061665535},{"text":"So with with contributions, so from your employer or concessional, the money that gets taxed within the super fund, there are caps to to $30,000 a year.","start":760.37,"end":772.40497,"sentiment":"neutral","sentiment_score":0.015772450266888848},{"text":"So you can only put $3,000 within the fund within any given year before you go over that cap and you pay more tax.","start":772.40497,"end":779.065,"sentiment":"neutral","sentiment_score":-0.07786235609091818},{"text":"You pay more than the 15%.","start":779.365,"end":781.67,"sentiment":"neutral","sentiment_score":-0.04419290336469809},{"text":"So really high income payments, they you know, if you're earning over the $300,000 a year, their employer is already putting over $30,000 in.","start":781.81,"end":790.77,"sentiment":"neutral","sentiment_score":0.0132537802370886}],"sentiment":"neutral","sentiment_score":-0.0072023982353422835,"num_words":87,"start":758.37,"end":790.77},{"sentences":[{"text":"So they get taxed at a higher rate in their super funds because of their high income.","start":790.77,"end":794.39,"sentiment":"neutral","sentiment_score":-0.03527873973636066},{"text":"And then tax free money, so, like, the same on it.","start":795.935,"end":807.86,"sentiment":"neutral","sentiment_score":0.187488623640754},{"text":"And what happens is that money sits tax free.","start":808.08,"end":811.46,"sentiment":"neutral","sentiment_score":0.30820314089457196},{"text":"So that means that for your kids, from an estate planning point of view, that money is going to sit in a much better position for them in the event that something happens to you from a client's perspective.","start":811.68,"end":825.46497,"sentiment":"positive","sentiment_score":0.45580086073814297},{"text":"Now there's a couple of different things we can do to get as much money into funds as possible, and and we could realistically probably put we could put all $330,000 into that fund in a tax free position in one year.","start":825.845,"end":845.61,"sentiment":"neutral","sentiment_score":0.19309896434701623}],"sentiment":"neutral","sentiment_score":0.2552784290164709,"num_words":118,"start":790.77,"end":845.61},{"sentences":[{"text":"In one year.","start":845.67,"end":846.285,"sentiment":"neutral","sentiment_score":-0.04271236931284269},{"text":"Yep.","start":851.88495,"end":852.38495,"sentiment":"neutral","sentiment_score":0.09563946723937988},{"text":"And then we can set up a pension account to have the money come in and repeat you every month, every two weeks, once a quarter, however you want the money to come to you.","start":852.44495,"end":864.73004,"sentiment":"neutral","sentiment_score":0.15561214302267348},{"text":"And then because you're fully retired, we can have it come out as much as you want.","start":865.91003,"end":870.01,"sentiment":"neutral","sentiment_score":0.1609895689522519},{"text":"No.","start":873.055,"end":873.535,"sentiment":"neutral","sentiment_score":-0.1714264154434204}],"sentiment":"neutral","sentiment_score":0.13998813371647867,"num_words":57,"start":845.67,"end":873.535},{"sentences":[{"text":"It won't be.","start":873.535,"end":874.65497,"sentiment":"neutral","sentiment_score":-0.17242693404356638},{"text":"So because you will be fully retired, you won't be restricted to 10.","start":874.65497,"end":879.71497,"sentiment":"neutral","sentiment_score":0.025100574757044133},{"text":"You'll have full eligibility requirements, and you'll be able to access as much as you want.","start":879.77496,"end":884.27496,"sentiment":"positive","sentiment_score":0.4214508067816496},{"text":"Yeah.","start":886.095,"end":886.495,"sentiment":"neutral","sentiment_score":0.11271871626377106},{"text":"So brings up a lot for you.","start":886.495,"end":895.38,"sentiment":"neutral","sentiment_score":0.007853986429316657}],"sentiment":"neutral","sentiment_score":0.1679984049871564,"num_words":40,"start":873.535,"end":895.38},{"sentences":[{"text":"Yeah.","start":902.295,"end":902.795,"sentiment":"neutral","sentiment_score":-0.027962762862443924},{"text":"Yeah.","start":917.48004,"end":917.88,"sentiment":"neutral","sentiment_score":0.09497573226690292},{"text":"That's fine.","start":917.88,"end":918.7,"sentiment":"neutral","sentiment_score":0.17671749740839005},{"text":"So from April, you need to draw an income.","start":919.16003,"end":921.08,"sentiment":"neutral","sentiment_score":0.02579073400961028},{"text":"And how much were you looking to actually draw?","start":921.08,"end":923.10004,"sentiment":"neutral","sentiment_score":0.0024344815562168756}],"sentiment":"neutral","sentiment_score":0.030657950196076523,"num_words":22,"start":902.295,"end":923.10004},{"sentences":[{"text":"That's okay.","start":929.435,"end":930.075,"sentiment":"neutral","sentiment_score":0.12173892930150032},{"text":"So if you don't necessarily know the income, I can start working on the figures as to how we put the money into the super fund after you sell the house, how we progress with putting that in in a tax effective position.","start":930.075,"end":941.375,"sentiment":"neutral","sentiment_score":0.1536149298555629},{"text":"And then from that, once we're tax effective, we've got the money in, we can just work on how much you need from a broad position if you don't quite know what that exactly looks like yet.","start":941.70996,"end":951.41,"sentiment":"neutral","sentiment_score":0.07924734375666122},{"text":"Yes.","start":971.015,"end":971.515,"sentiment":"neutral","sentiment_score":0.10370242595672607},{"text":"Yep.","start":983.23,"end":983.47,"sentiment":"neutral","sentiment_score":0.008471671491861343}],"sentiment":"neutral","sentiment_score":0.11777673403377689,"num_words":84,"start":929.435,"end":983.47},{"sentences":[{"text":"Yes.","start":983.47,"end":983.97,"sentiment":"neutral","sentiment_score":0.04020477086305618},{"text":"Okay.","start":1006.44,"end":1006.94,"sentiment":"neutral","sentiment_score":0.01629265770316124},{"text":"So you're you're wanting to you're wanting to retire in April at the at the April?","start":1007.07996,"end":1015.965,"sentiment":"neutral","sentiment_score":0.03272300500248093},{"text":"Yeah.","start":1021.72504,"end":1022.22504,"sentiment":"neutral","sentiment_score":-0.14024770259857178},{"text":"Yeah.","start":1033.6101,"end":1034.1101,"sentiment":"neutral","sentiment_score":-0.05680614337325096}],"sentiment":"neutral","sentiment_score":0.01915058313170448,"num_words":20,"start":983.47,"end":1034.1101},{"sentences":[{"text":"Look.","start":1035.13,"end":1035.63,"sentiment":"neutral","sentiment_score":-0.01815606653690338},{"text":"I there there's there's two segments to this advice piece.","start":1035.8501,"end":1038.89,"sentiment":"neutral","sentiment_score":0.034115283447317776},{"text":"Right?","start":1038.89,"end":1039.29,"sentiment":"neutral","sentiment_score":0.04992412030696869},{"text":"The first is how do we get the money into the fund?","start":1039.29,"end":1042.3501,"sentiment":"neutral","sentiment_score":0.04666447173804045},{"text":"The second is is the the retirement strategy.","start":1043.015,"end":1046.315,"sentiment":"neutral","sentiment_score":0.0347258229739964}],"sentiment":"neutral","sentiment_score":0.037834410402865615,"num_words":32,"start":1035.13,"end":1046.315},{"sentences":[{"text":"Now they don't have to work synonymously.","start":1046.615,"end":1048.715,"sentiment":"neutral","sentiment_score":0.010297632643154689},{"text":"They can work separately because, obviously, putting the money in the fund is contingent on when the house sells.","start":1049.015,"end":1056.7949,"sentiment":"neutral","sentiment_score":0.029754571420581716},{"text":"The pension is contingent on when you retire.","start":1057.77,"end":1062.1901,"sentiment":"neutral","sentiment_score":0.004283017013221979},{"text":"So if you don't need I can start the research today.","start":1062.49,"end":1067.39,"sentiment":"neutral","sentiment_score":-0.020156254145232113},{"text":"So I can start the research today, and you I can send you an email, and you can just send me email updates.","start":1072.6749,"end":1078.035,"sentiment":"neutral","sentiment_score":0.2793423416821853}],"sentiment":"neutral","sentiment_score":0.10110058065722971,"num_words":68,"start":1046.615,"end":1078.035},{"sentences":[{"text":"Hey.","start":1078.035,"end":1078.275,"sentiment":"neutral","sentiment_score":0.11928746849298476},{"text":"I spoke to my employer.","start":1078.275,"end":1079.335,"sentiment":"neutral","sentiment_score":0.07454978749155998},{"text":"They're happy for me to to end as of, you know, this date.","start":1079.5549,"end":1083.9,"sentiment":"positive","sentiment_score":0.44141972122284084},{"text":"And and I can base it on, well, Carol finishes on this date.","start":1085.1,"end":1088.38,"sentiment":"positive","sentiment_score":0.3617759530360882},{"text":"She's gonna need her first pension payment on this date.","start":1088.38,"end":1090.64,"sentiment":"neutral","sentiment_score":0.2584468737244606}],"sentiment":"neutral","sentiment_score":0.3218583073467016,"num_words":42,"start":1078.035,"end":1090.64},{"sentences":[{"text":"And I can base it that.","start":1091.18,"end":1092.48,"sentiment":"neutral","sentiment_score":0.24780432134866714},{"text":"Second to that is, you know, keeping in touch with me and say, hey.","start":1093.1,"end":1097.1,"sentiment":"neutral","sentiment_score":0.08899469513978277},{"text":"My my house has gone under contract.","start":1097.1,"end":1098.585,"sentiment":"neutral","sentiment_score":-0.15046928503683635},{"text":"It settles on this date.","start":1099.3049,"end":1100.265,"sentiment":"neutral","sentiment_score":0.03013099730014801},{"text":"I'm gonna have to cash in my account on this date.","start":1100.265,"end":1102.105,"sentiment":"neutral","sentiment_score":0.09290206025947224}],"sentiment":"neutral","sentiment_score":0.06632661195688469,"num_words":43,"start":1091.18,"end":1102.105},{"sentences":[{"text":"So that way I can work on cool from that date.","start":1102.105,"end":1104.825,"sentiment":"neutral","sentiment_score":0.30694204433397815},{"text":"We're gonna be able to put money in.","start":1104.825,"end":1106.265,"sentiment":"neutral","sentiment_score":0.296338502317667},{"text":"Because if we go to pension phase first and then you put money in, I'm gonna have to do what's called a refresh.","start":1106.265,"end":1113.06,"sentiment":"neutral","sentiment_score":-0.07823556143304576},{"text":"Because I'm gonna move 100% of your money over to a pension account.","start":1114.42,"end":1117.8,"sentiment":"neutral","sentiment_score":-0.11609831137152818},{"text":"A pension account cannot receive income, so it can't receive contributions.","start":1117.9401,"end":1121.8,"sentiment":"negative","sentiment_score":-0.49316534941846674}],"sentiment":"neutral","sentiment_score":-0.04524915603299936,"num_words":66,"start":1102.105,"end":1121.8},{"sentences":[{"text":"So if we move to a pension account first, which is fine, I can do that, and then we sell our house and we try to contribute, I need to consider that in the advice documents so that way I'm able to set up a new super account, have the super have your the payment go into your super account, and then basically roll the pension account over and and close it, and then reset up the pension account with all of the money.","start":1122.3401,"end":1146.83,"sentiment":"neutral","sentiment_score":0.15675946342803182},{"text":"So it's just it it just depends on how everything falls step by step process wise.","start":1147.2899,"end":1152.83,"sentiment":"neutral","sentiment_score":0.10028719576075673},{"text":"I'm gonna assume based on timeline, you're probably gonna retire before house sales.","start":1153.1299,"end":1167.155,"sentiment":"neutral","sentiment_score":0.012700545529906567},{"text":"Yeah.","start":1167.155,"end":1167.655,"sentiment":"neutral","sentiment_score":0.0022522546350955963},{"text":"Yeah.","start":1171.475,"end":1171.62,"sentiment":"neutral","sentiment_score":0.01708972454071045}],"sentiment":"neutral","sentiment_score":0.13005947070601193,"num_words":115,"start":1122.3401,"end":1171.62},{"sentences":[{"text":"Yes.","start":1174.98,"end":1175.48,"sentiment":"neutral","sentiment_score":0.07718048989772797},{"text":"No.","start":1182.74,"end":1183.24,"sentiment":"neutral","sentiment_score":-0.09365028142929076},{"text":"It it has to go to you first.","start":1183.46,"end":1185.465,"sentiment":"neutral","sentiment_score":-0.011095669120550156},{"text":"And what actually happens is your solicitor or your conveyancer will actually handle the will handle the sale.","start":1185.7849,"end":1191.8049,"sentiment":"neutral","sentiment_score":0.029666483402252197},{"text":"The conveyancer will actually get paid.","start":1191.945,"end":1194.0449,"sentiment":"neutral","sentiment_score":0.0959801251689593}],"sentiment":"neutral","sentiment_score":0.029548303169362685,"num_words":34,"start":1174.98,"end":1194.0449},{"sentences":[{"text":"The conveyancer will then pay off your mortgage, and then you will get the remainder of the proceeds.","start":1194.105,"end":1200.2849,"sentiment":"neutral","sentiment_score":0.1023568676577674},{"text":"So that will happen and that those proceeds will get paid into your bank account.","start":1201.25,"end":1204.7899,"sentiment":"neutral","sentiment_score":0.178327676653862},{"text":"The day that settles, you call me up and say, Larissa, I have the money, and I'll say, Carol, this is fantastic news.","start":1204.85,"end":1210.07,"sentiment":"positive","sentiment_score":0.3466092983017797},{"text":"Here are the payment details, and we pay the money into the account.","start":1210.37,"end":1215.0299,"sentiment":"neutral","sentiment_score":0.278794411283273},{"text":"You will definitely have to go to the bank to do that.","start":1218.4451,"end":1221.005,"sentiment":"neutral","sentiment_score":-0.08000718771169583}],"sentiment":"neutral","sentiment_score":0.1870814039843318,"num_words":81,"start":1194.105,"end":1221.005},{"sentences":[{"text":"Yes.","start":1221.005,"end":1221.505,"sentiment":"neutral","sentiment_score":0.08329744637012482},{"text":"No.","start":1224.605,"end":1225.105,"sentiment":"neutral","sentiment_score":-0.02474890649318695},{"text":"No.","start":1233.4299,"end":1233.75,"sentiment":"neutral","sentiment_score":-0.12807035446166992},{"text":"Of course.","start":1233.75,"end":1234.4099,"sentiment":"neutral","sentiment_score":-0.052632156759500504},{"text":"I wanna put some of it in.","start":1242.585,"end":1244.985,"sentiment":"neutral","sentiment_score":0.011156356760433741}],"sentiment":"neutral","sentiment_score":-0.008057635898391405,"num_words":12,"start":1221.005,"end":1244.985},{"sentences":[{"text":"At 15 percent.","start":1245.465,"end":1246.605,"sentiment":"neutral","sentiment_score":-0.004530876874923706},{"text":"Correct.","start":1264.07,"end":1264.57,"sentiment":"neutral","sentiment_score":0.059796061366796494},{"text":"But what we what we can do is we can actually put all $330,000 into the super fund.","start":1264.63,"end":1270.97,"sentiment":"neutral","sentiment_score":0.22298790017763773},{"text":"And then after you sit down with your tax agent and you start doing your tax return, you can sit down to your tax agent and say, hey.","start":1271.03,"end":1277.995,"sentiment":"neutral","sentiment_score":0.12925875552796892},{"text":"I put $330,000 into my superannuation fund under a concessional contribution, and I wanna claim some of that.","start":1277.995,"end":1284.155,"sentiment":"neutral","sentiment_score":0.2580595165491104}],"sentiment":"neutral","sentiment_score":0.18123973656774445,"num_words":68,"start":1245.465,"end":1284.155},{"sentences":[{"text":"How much can I claim to make it the best tax effective position I can I can put it in?","start":1284.155,"end":1289.46,"sentiment":"positive","sentiment_score":0.4628506273031235},{"text":"And your tax account your tax account will say, Carol, we can claim blah blah blah blah, and you will then have a form that you will fill out.","start":1289.7,"end":1299.5599,"sentiment":"neutral","sentiment_score":0.23344152138150973},{"text":"We will submit to the super The superfund will convert those funds into taxable, and they will they'll pay the tax.","start":1299.86,"end":1308.0549,"sentiment":"neutral","sentiment_score":0.21457061348926454},{"text":"And then you get to put that on your tax return and claim it as a deduction, and you walk away with a net zero tax tax outcome.","start":1308.515,"end":1320.45,"sentiment":"neutral","sentiment_score":0.270936086241688},{"text":"It's it's hey.","start":1321.27,"end":1323.95,"sentiment":"positive","sentiment_score":0.5139767527580261}],"sentiment":"neutral","sentiment_score":0.29367267546972425,"num_words":101,"start":1284.155,"end":1323.95},{"sentences":[{"text":"Money that you don't have to pay to the tax man is always nice.","start":1323.95,"end":1326.77,"sentiment":"positive","sentiment_score":0.6052135974168777},{"text":"We put we put all in on that non concessional, yeah, non concessional ruling.","start":1330.445,"end":1338.785,"sentiment":"neutral","sentiment_score":0.17226187405841692},{"text":"And then we have twelve months from the end of the financial year to convert it.","start":1339.085,"end":1343.22,"sentiment":"neutral","sentiment_score":0.09774438291788101},{"text":"So somewhere between the 07/01/2026 and 06/30/2027, you just have to go and sit with your accountant somewhere within that twelve months.","start":1343.62,"end":1354.12,"sentiment":"neutral","sentiment_score":0.06368391469798305},{"text":"And so long as you sit with your accountant within that twelve months and you go, let's sit down and do our tax, then your accountant will say you owe this much.","start":1354.26,"end":1361.0651,"sentiment":"neutral","sentiment_score":0.020544127328321338}],"sentiment":"neutral","sentiment_score":0.14803086658369521,"num_words":98,"start":1323.95,"end":1361.0651},{"sentences":[{"text":"And you go, well, how if I was to claim on my super fund as a contribute as a, you know, concessional contribution, how much could I claim to get it to a net zero or to be most tax effective?","start":1361.0651,"end":1371.5651,"sentiment":"neutral","sentiment_score":0.09334911015339015},{"text":"And your accountant can run the figure, and you can go through from that.","start":1371.7699,"end":1374.25,"sentiment":"neutral","sentiment_score":0.1191732327320746},{"text":"Because a 100%, you're correct.","start":1374.25,"end":1375.7699,"sentiment":"neutral","sentiment_score":0.25922240912914274},{"text":"We're not gonna know the exact outcome of your of your tax return because you do have the nontaxable component, the expenses, everything else until you actually sit down, until we get really close to the financial year, and we know exactly what it looks like.","start":1375.7699,"end":1388.755,"sentiment":"neutral","sentiment_score":0.025726725549801537},{"text":"And you might find it is it might just be, like, a grand that you you claim as a as a, you know, concessional.","start":1389.615,"end":1396.355,"sentiment":"neutral","sentiment_score":0.11436104867607355}],"sentiment":"neutral","sentiment_score":0.0824611181823107,"num_words":130,"start":1361.0651,"end":1396.355},{"sentences":[{"text":"It might be nothing.","start":1396.4149,"end":1397.315,"sentiment":"neutral","sentiment_score":0.0879162298515439},{"text":"It might be nothing expenses that I had to pull you down into that net zero, but the option's there.","start":1397.615,"end":1404.52,"sentiment":"neutral","sentiment_score":0.08881674222648143},{"text":"Yeah.","start":1410.9,"end":1411.4,"sentiment":"neutral","sentiment_score":0.06535448879003525},{"text":"So if you say what we can run with is we are basing everything off you getting 330, at the end of the day, you want to keep $30.40, $50,000 in cash.","start":1430.45,"end":1441.545,"sentiment":"neutral","sentiment_score":0.13996029435656965},{"text":"Whatever is remaining will go into the super fund.","start":1442.025,"end":1444.3451,"sentiment":"neutral","sentiment_score":0.15172208431694242}],"sentiment":"neutral","sentiment_score":0.121781551984675,"num_words":66,"start":1396.4149,"end":1444.3451},{"sentences":[{"text":"If you tell me how much you wanna keep, we can base everything else off.","start":1444.3451,"end":1449.305,"sentiment":"neutral","sentiment_score":0.07509698991974195},{"text":"So do you wanna keep 30,000, or do you wanna keep 50?","start":1449.305,"end":1457.4801,"sentiment":"neutral","sentiment_score":0.09414078295230865},{"text":"Cool.","start":1457.4801,"end":1457.9801,"sentiment":"positive","sentiment_score":0.5192483067512512},{"text":"Perfect.","start":1471.845,"end":1472.345,"sentiment":"positive","sentiment_score":0.7644670605659485},{"text":"The good thing is because you're fully retired, if there was an emergency, you could always call me up and say, hey, Larissa.","start":1472.485,"end":1477.685,"sentiment":"positive","sentiment_score":0.49599922869516455}],"sentiment":"neutral","sentiment_score":0.28745849752941954,"num_words":52,"start":1444.3451,"end":1477.685},{"sentences":[{"text":"I need $10,000, and I can get that money to you, and it's not an issue.","start":1477.685,"end":1486.0,"sentiment":"positive","sentiment_score":0.3570559727959335},{"text":"Yeah.","start":1486.0,"end":1486.1,"sentiment":"neutral","sentiment_score":0.08266328275203705},{"text":"It's a couple of days.","start":1486.1,"end":1487.32,"sentiment":"neutral","sentiment_score":0.07853996083140373},{"text":"You know, can can be up to a couple of weeks.","start":1487.94,"end":1491.64,"sentiment":"neutral","sentiment_score":0.13807416707277298},{"text":"It's it's it yeah.","start":1491.86,"end":1495.695,"sentiment":"neutral","sentiment_score":0.07664421293884516}],"sentiment":"neutral","sentiment_score":0.2165851713837804,"num_words":37,"start":1477.685,"end":1495.695},{"sentences":[{"text":"But what I'm gonna do is I'm gonna have a look at your investments, and I'll make sure that I put you in something that maybe have a little bit more of a bucket strategy where we have a little bit of available cash so we can pull on some cash in an emergent need and go from there.","start":1495.695,"end":1510.6799,"sentiment":"neutral","sentiment_score":0.1887505036794533},{"text":"Okay?","start":1510.6799,"end":1511.1799,"sentiment":"neutral","sentiment_score":0.0666307732462883},{"text":"Yeah.","start":1540.51,"end":1540.83,"sentiment":"neutral","sentiment_score":-0.012641727924346924},{"text":"It's always gonna fluctuate a bit.","start":1540.83,"end":1542.61,"sentiment":"neutral","sentiment_score":-0.025884066397945087},{"text":"But I could definitely have a look over the investment.","start":1543.87,"end":1546.13,"sentiment":"neutral","sentiment_score":0.21841612309217454}],"sentiment":"neutral","sentiment_score":0.1716769557784904,"num_words":77,"start":1495.695,"end":1546.13},{"sentences":[{"text":"I also know that you have your, like, your Australian Superfund as well.","start":1546.35,"end":1552.535,"sentiment":"neutral","sentiment_score":0.15079777229290742},{"text":"What do we wanna do with that account?","start":1552.8351,"end":1554.775,"sentiment":"neutral","sentiment_score":0.04371548630297184},{"text":"Now that we're not gonna be working, do we need that insurance?","start":1554.8351,"end":1557.735,"sentiment":"neutral","sentiment_score":-0.08701822472115357},{"text":"In the superannuation fund, so for any kind of estate or debt claim, it depends on how you wanna pay.","start":1603.8251,"end":1611.1051,"sentiment":"neutral","sentiment_score":0.03481506034731865},{"text":"If you wanna pay directly to the kids, it pays quickest.","start":1611.1051,"end":1615.26,"sentiment":"neutral","sentiment_score":0.09443962286141785}],"sentiment":"neutral","sentiment_score":0.046890832687495276,"num_words":64,"start":1546.35,"end":1615.26},{"sentences":[{"text":"If you want it paid through your estate, so through your will, it'll take a little bit longer because they have to set a bank account up.","start":1616.54,"end":1623.84,"sentiment":"neutral","sentiment_score":-0.15942110617955527},{"text":"Any death claim yeah.","start":1624.54,"end":1627.76,"sentiment":"neutral","sentiment_score":-0.12133180815726519},{"text":"Yes.","start":1639.315,"end":1639.635,"sentiment":"neutral","sentiment_score":0.11302467435598372},{"text":"Yeah.","start":1639.635,"end":1639.955,"sentiment":"neutral","sentiment_score":0.17144498229026794},{"text":"So with any with any superannuation fund, you can nominate either a direct person, a child is always, irrespective of age, an allowable benefit.","start":1639.955,"end":1649.28,"sentiment":"neutral","sentiment_score":0.16834547960509857}],"sentiment":"neutral","sentiment_score":-0.008156770742253253,"num_words":57,"start":1616.54,"end":1649.28},{"sentences":[{"text":"Yeah.","start":1651.9,"end":1652.22,"sentiment":"neutral","sentiment_score":0.13862758874893188},{"text":"So they're always gonna be allowed to be a a a benefit, like a nomination.","start":1652.22,"end":1656.48,"sentiment":"neutral","sentiment_score":0.258765106399854},{"text":"The only downside between a direct nomination and a a state nomination is that with a direct nomination, any taxable component of the fund will be taxed at 17% when paid to them versus through the the estate.","start":1656.985,"end":1673.88,"sentiment":"neutral","sentiment_score":-0.19072147890141136},{"text":"So if it's paid to a bank account in the name of it it it the bank account would literally be the estate of Carol.","start":1673.88,"end":1680.22,"sentiment":"neutral","sentiment_score":-0.10462077707052231},{"text":"When paid there, it only pays 15 percent.","start":1681.4,"end":1683.72,"sentiment":"neutral","sentiment_score":-0.088875244371593}],"sentiment":"neutral","sentiment_score":-0.07533141833612289,"num_words":87,"start":1651.9,"end":1683.72},{"sentences":[{"text":"They don't have the 2% Medicare levy.","start":1683.72,"end":1686.3049,"sentiment":"neutral","sentiment_score":-0.23539420536586217},{"text":"It's quicker to pay direct.","start":1687.165,"end":1688.865,"sentiment":"neutral","sentiment_score":-0.04636247307062149},{"text":"The yeah.","start":1690.125,"end":1692.365,"sentiment":"neutral","sentiment_score":-0.06108114495873451},{"text":"The biggest the money quicker.","start":1692.365,"end":1694.785,"sentiment":"neutral","sentiment_score":-0.03870629519224167},{"text":"Yeah.","start":1696.845,"end":1697.345,"sentiment":"neutral","sentiment_score":-0.07721482217311859}],"sentiment":"neutral","sentiment_score":-0.11362401954829693,"num_words":20,"start":1683.72,"end":1697.345},{"sentences":[{"text":"The biggest downside to any kind of estate nominate like, a estate claim is you have to wait for the legal death benefit the death certificate first.","start":1698.09,"end":1709.5299,"sentiment":"neutral","sentiment_score":-0.27926713283415194},{"text":"That's the thing that takes the longest.","start":1709.5299,"end":1711.23,"sentiment":"neutral","sentiment_score":-0.20678284338542394},{"text":"The claim actually doesn't take that long.","start":1711.595,"end":1713.115,"sentiment":"neutral","sentiment_score":-0.2930537164211273},{"text":"It's generally a couple of months once someone passes and is buried to get the government death certificate.","start":1713.115,"end":1718.975,"sentiment":"neutral","sentiment_score":-0.15357593364185756},{"text":"Once the government death certificate arrives, it's pretty quick to get a claim through.","start":1719.275,"end":1724.8301,"sentiment":"neutral","sentiment_score":-0.041069895561252324}],"sentiment":"neutral","sentiment_score":-0.19696457326820452,"num_words":73,"start":1698.09,"end":1724.8301},{"sentences":[{"text":"I've had claims come through within a couple of weeks for a death like a deceased estate.","start":1725.13,"end":1729.31,"sentiment":"neutral","sentiment_score":-0.15616416010786505},{"text":"It's just getting the paperwork altogether, really.","start":1729.53,"end":1732.11,"sentiment":"neutral","sentiment_score":-0.16360053632940566},{"text":"Just what is taxable.","start":1748.725,"end":1750.265,"sentiment":"neutral","sentiment_score":-0.07993320934474468},{"text":"So the money that so the 300,000 that we're gonna put in will go into the super fund and will be held tax free.","start":1750.485,"end":1757.72,"sentiment":"neutral","sentiment_score":0.05357889039441943},{"text":"So currently so to, I guess, break it down for you, I'll just go over the tax taxation component.","start":1758.34,"end":1765.08,"sentiment":"neutral","sentiment_score":0.09620449005773193}],"sentiment":"neutral","sentiment_score":-0.014168290605007763,"num_words":71,"start":1725.13,"end":1765.08},{"sentences":[{"text":"Yep.","start":1776.895,"end":1777.395,"sentiment":"neutral","sentiment_score":0.11875512450933456},{"text":"Let's hold that way.","start":1780.415,"end":1781.635,"sentiment":"neutral","sentiment_score":0.09407883323729038},{"text":"So currently in your hub 24, you have a 100 like, a $109,000 that's being tax free.","start":1782.03,"end":1789.25,"sentiment":"neutral","sentiment_score":0.055959795546882296},{"text":"You then have yeah.","start":1789.9501,"end":1792.11,"sentiment":"neutral","sentiment_score":0.07772975414991379},{"text":"Yeah.","start":1792.11,"end":1792.43,"sentiment":"neutral","sentiment_score":0.13489222526550293}],"sentiment":"neutral","sentiment_score":0.07008141568965381,"num_words":27,"start":1776.895,"end":1792.43},{"sentences":[{"text":"So that's tax free completely.","start":1792.43,"end":1793.9701,"sentiment":"neutral","sentiment_score":0.20686351656913757},{"text":"And then you have 280 it's 183.","start":1794.3501,"end":1801.5951,"sentiment":"neutral","sentiment_score":0.029252305759915283},{"text":"I'm sounding I'm not gonna do with numbers.","start":1801.5951,"end":1804.0951,"sentiment":"neutral","sentiment_score":-0.22752905823290348},{"text":"2 183,000 that's taxable.","start":1804.2351,"end":1811.8,"sentiment":"neutral","sentiment_score":-0.10030296398326755},{"text":"So that's what they would pay tax on.","start":1811.86,"end":1814.28,"sentiment":"neutral","sentiment_score":-0.146112565882504}],"sentiment":"neutral","sentiment_score":-0.0672269101778511,"num_words":32,"start":1792.43,"end":1814.28},{"sentences":[{"text":"Now what I would like to do is we put the $300,000 in, and then what we do from there is in a few years time, we do what's called a recontribution strategy.","start":1814.42,"end":1827.3151,"sentiment":"neutral","sentiment_score":0.16515114858294977},{"text":"So we would convert some of the taxable component over to tax free, and we could do that every three years.","start":1827.4551,"end":1832.675,"sentiment":"neutral","sentiment_score":0.14382160171156838},{"text":"We could just keep converting money from taxable to tax free because you're retired and you're done working.","start":1833.4551,"end":1841.14,"sentiment":"neutral","sentiment_score":0.23397009157472187},{"text":"We could do that nicely.","start":1841.14,"end":1842.52,"sentiment":"positive","sentiment_score":0.4922350227832794},{"text":"And we could get to the point where we have So there's limitations.","start":1843.0599,"end":1851.24,"sentiment":"neutral","sentiment_score":-0.09317096666647838}],"sentiment":"neutral","sentiment_score":0.15479617483086056,"num_words":90,"start":1814.42,"end":1851.24},{"sentences":[{"text":"So you know how under contributions, you can only put a 110,000 in sorry, 120,000 in each year.","start":1851.54,"end":1865.46,"sentiment":"neutral","sentiment_score":-0.09812368493941095},{"text":"Or yeah.","start":1865.46,"end":1869.38,"sentiment":"neutral","sentiment_score":0.030702168121933944},{"text":"So what you can do is you can use what's called a bring forward where you use three years.","start":1869.38,"end":1874.76,"sentiment":"neutral","sentiment_score":0.1205940936741076},{"text":"So you put $360,000 in.","start":1874.8999,"end":1877.38,"sentiment":"neutral","sentiment_score":0.0567828020080924},{"text":"We're gonna put 300,000.","start":1877.38,"end":1878.885,"sentiment":"neutral","sentiment_score":0.0650444496423006}],"sentiment":"neutral","sentiment_score":0.023553283244837075,"num_words":48,"start":1851.54,"end":1878.885},{"sentences":[{"text":"We could basically put 300,000 in, then do a recontribution of 60,000 and and make like, use the full full amount of the cap that you have available, which is perfect.","start":1879.4451,"end":1893.0,"sentiment":"neutral","sentiment_score":0.1348957147809767},{"text":"That's fine.","start":1893.06,"end":1893.88,"sentiment":"positive","sentiment_score":0.4682543873786926},{"text":"We then can't trigger that rule until we've used those three years.","start":1894.26,"end":1899.22,"sentiment":"neutral","sentiment_score":0.05043421064813932},{"text":"So if we use this financial year of 2627, then it would be twenty seven, twenty eight, twenty eight, twenty nine.","start":1899.22,"end":1905.315,"sentiment":"neutral","sentiment_score":0.024334753242631752},{"text":"So the next time that we could do this would be the financial year 2930.","start":1905.5549,"end":1911.0149,"sentiment":"neutral","sentiment_score":-0.026021011049548785}],"sentiment":"neutral","sentiment_score":0.07215063102589345,"num_words":81,"start":1879.4451,"end":1911.0149},{"sentences":[{"text":"That sorry.","start":1912.0349,"end":1912.7549,"sentiment":"neutral","sentiment_score":-0.1998223140835762},{"text":"That that was that's too far.","start":1912.7549,"end":1915.4149,"sentiment":"negative","sentiment_score":-0.38583993415037793},{"text":"That sounds so hard.","start":1916.6749,"end":1918.375,"sentiment":"negative","sentiment_score":-0.5020196437835693},{"text":"I know.","start":1918.4349,"end":1919.095,"sentiment":"neutral","sentiment_score":-0.17869172245264053},{"text":"Fifty years ago?","start":1931.4,"end":1932.52,"sentiment":"neutral","sentiment_score":-0.021197741230328877}],"sentiment":"neutral","sentiment_score":-0.30257291039999795,"num_words":17,"start":1912.0349,"end":1932.52},{"sentences":[{"text":"Yeah.","start":1932.52,"end":1933.02,"sentiment":"neutral","sentiment_score":-0.018600262701511383},{"text":"This is the opportunity.","start":1936.4049,"end":1937.3849,"sentiment":"neutral","sentiment_score":0.0268810223788023},{"text":"We would plan for it now, but it was something it'd be something that we'd execute slowly over time.","start":1947.59,"end":1954.63,"sentiment":"neutral","sentiment_score":0.04364832010316221},{"text":"It's not something that we could do in the immediate.","start":1954.63,"end":1957.11,"sentiment":"neutral","sentiment_score":-0.040133606269955636},{"text":"We would basically I'd have triggers to basically execute that in the financial years that we would we would be allowed to do it, and that would fall under you wanting to limit the tax on your estate.","start":1957.11,"end":1967.1951,"sentiment":"neutral","sentiment_score":0.026932685685000922}],"sentiment":"neutral","sentiment_score":0.021393720862559147,"num_words":72,"start":1932.52,"end":1967.1951},{"sentences":[{"text":"So I'd already kind of started mentally preparing for that, but I absolutely love how many questions you have.","start":1967.1951,"end":1972.715,"sentiment":"neutral","sentiment_score":0.22906048831186795},{"text":"Like, I could not even tell you how happy my total is today.","start":1972.715,"end":1976.97,"sentiment":"neutral","sentiment_score":-0.0020986457283680244},{"text":"No.","start":1980.87,"end":1981.27,"sentiment":"neutral","sentiment_score":-0.2054350972175598},{"text":"Don't.","start":1981.27,"end":1981.77,"sentiment":"neutral","sentiment_score":-0.203061044216156},{"text":"Yeah.","start":2014.28,"end":2014.78,"sentiment":"neutral","sentiment_score":0.05879663676023483}],"sentiment":"neutral","sentiment_score":0.11357621082237788,"num_words":35,"start":1967.1951,"end":2014.78},{"sentences":[{"text":"I mean, what I would do is, basically, I would put in so in the advice, and and and, again, this is me this is me spitballing before I sit down to really tear it apart because I'm I'm as much as this conversation does form basis for advice, when I sit down and I'm not thinking and talking, I'm amazing, but sometimes ideas come to you later on.","start":2014.8401,"end":2036.79,"sentiment":"neutral","sentiment_score":-0.04578050279962844},{"text":"I sit you can sit down and strategize a little bit more and and make sure that, obviously, anything that I'm wanting to trigger, any order that I'm wanting to trigger it in is best effective for you.","start":2038.29,"end":2047.365,"sentiment":"neutral","sentiment_score":0.2596539576586924},{"text":"But what we would do is we would I would basically have, like, in the advice document something to the effect of when you retire, we're gonna close and roll over AustralianSuper.","start":2047.765,"end":2057.945,"sentiment":"neutral","sentiment_score":0.16003727354109287},{"text":"We will once that money arrives in your hub twenty four fund, we would trigger and set up a pension account paying $1,500 a week.","start":2058.645,"end":2066.3901,"sentiment":"neutral","sentiment_score":0.1560432043671608},{"text":"As at, you know, the time that your house then sells, we will then do, say, a contribution of $300,000 into a brand new super fund.","start":2067.4102,"end":2076.07,"sentiment":"neutral","sentiment_score":0.1355333520242801}],"sentiment":"neutral","sentiment_score":0.10133755638411171,"num_words":190,"start":2014.8401,"end":2076.07},{"sentences":[{"text":"We will then do a refresh pension.","start":2076.825,"end":2079.4849,"sentiment":"neutral","sentiment_score":0.11662843078374863},{"text":"Or once once we set up the super fund, we will then do the recontribution strategy.","start":2080.025,"end":2084.825,"sentiment":"neutral","sentiment_score":0.12085850536823273},{"text":"So do that extra $60,000 recon strategy.","start":2084.825,"end":2087.565,"sentiment":"neutral","sentiment_score":0.17701374845845358},{"text":"That way we use the full amount of that that cap.","start":2087.785,"end":2091.0,"sentiment":"neutral","sentiment_score":0.1563299372792244},{"text":"We will then set up your reset up your pension account.","start":2092.5,"end":2095.1602,"sentiment":"neutral","sentiment_score":0.14764985306696457}],"sentiment":"neutral","sentiment_score":0.14101940450760034,"num_words":52,"start":2076.825,"end":2095.1602},{"sentences":[{"text":"And then what we will do is we will then, you know, in x amount of times at financial year's last, do another recontribution strategy, continuing your income of $1,500 a week on from there.","start":2096.5,"end":2112.5151,"sentiment":"neutral","sentiment_score":0.1118763125368527},{"text":"So I'll make sure that I obviously consider other aspects and other things that we can do, make sure that I'm anyway.","start":2112.5151,"end":2125.9202,"sentiment":"neutral","sentiment_score":0.2606850801543756},{"text":"And I think it's gonna pretty much be paid off perfectly.","start":2126.62,"end":2128.94,"sentiment":"positive","sentiment_score":0.45869965715841815},{"text":"It's just a matter of when each thing triggers, which is fine.","start":2128.94,"end":2132.815,"sentiment":"neutral","sentiment_score":0.17669714769969383},{"text":"But if you're comfortable with $1,500 a week in income, if you're comfortable yeah.","start":2133.115,"end":2140.095,"sentiment":"neutral","sentiment_score":0.1248480635029929}],"sentiment":"neutral","sentiment_score":0.19749657013156313,"num_words":94,"start":2096.5,"end":2140.095},{"sentences":[{"text":"Yeah.","start":2142.7148,"end":2143.02,"sentiment":"neutral","sentiment_score":0.034887079149484634},{"text":"That's okay.","start":2143.26,"end":2144.0,"sentiment":"neutral","sentiment_score":0.23069464415311813},{"text":"I think it it can always be something that you alright.","start":2144.3801,"end":2147.58,"sentiment":"neutral","sentiment_score":0.30645629221742804},{"text":"Let's let's put it this way.","start":2147.58,"end":2148.8801,"sentiment":"neutral","sentiment_score":0.21508491535981497},{"text":"It's not something you have to answer for me.","start":2149.5,"end":2151.18,"sentiment":"neutral","sentiment_score":0.14383988082408905}],"sentiment":"neutral","sentiment_score":0.22249531039390072,"num_words":29,"start":2142.7148,"end":2151.18},{"sentences":[{"text":"It's something that you can email to me later.","start":2151.18,"end":2153.18,"sentiment":"neutral","sentiment_score":0.23530962235397762},{"text":"It's just this is a question that's rhetorical and for you to think about.","start":2153.18,"end":2157.455,"sentiment":"neutral","sentiment_score":0.08227003046444484},{"text":"If you were to if you look at your budget right now, how much you earn each week, and you get rid of your mortgage out of that budget, how much do you actually live on?","start":2157.455,"end":2169.97,"sentiment":"neutral","sentiment_score":0.02455685486913555},{"text":"And yeah.","start":2171.31,"end":2173.01,"sentiment":"neutral","sentiment_score":0.020440458320081234},{"text":"Yeah.","start":2177.95,"end":2178.45,"sentiment":"neutral","sentiment_score":0.026754705235362053}],"sentiment":"neutral","sentiment_score":0.06808466814278115,"num_words":62,"start":2151.18,"end":2178.45},{"sentences":[{"text":"And your electricity but then you you add on the fuel costs and you add on the campus.","start":2178.75,"end":2188.2751,"sentiment":"neutral","sentiment_score":0.031778723208440676},{"text":"So it's what does your budget look like now, and what is your budget gonna look like when you're traveling?","start":2188.415,"end":2207.45,"sentiment":"neutral","sentiment_score":0.06507183299399913},{"text":"Yep.","start":2207.59,"end":2208.09,"sentiment":"neutral","sentiment_score":0.10769221186637878},{"text":"So you're giving yourself a bit of a buffer, which is good.","start":2208.4148,"end":2210.575,"sentiment":"neutral","sentiment_score":0.29677530378103256},{"text":"And at the end of the day, you can always turn around yeah.","start":2210.575,"end":2214.4949,"sentiment":"neutral","sentiment_score":0.11382000664105782}],"sentiment":"neutral","sentiment_score":0.10972046283131931,"num_words":64,"start":2178.75,"end":2214.4949},{"sentences":[{"text":"You can always turn around, and you can call me after a few months and go, hey, Larissa.","start":2214.4949,"end":2217.9548,"sentiment":"neutral","sentiment_score":0.04385670432303515},{"text":"That's too much.","start":2218.095,"end":2219.1548,"sentiment":"negative","sentiment_score":-0.4978998005390167},{"text":"I don't need just 800.","start":2219.375,"end":2220.4949,"sentiment":"neutral","sentiment_score":-0.2816398859024048},{"text":"I've got way too much money sitting here in my bank account.","start":2220.4949,"end":2223.3948,"sentiment":"neutral","sentiment_score":-0.30739706630508107},{"text":"Yeah.","start":2226.31,"end":2226.81,"sentiment":"neutral","sentiment_score":0.02537473663687706}],"sentiment":"neutral","sentiment_score":-0.14809918493175736,"num_words":39,"start":2214.4949,"end":2226.81},{"sentences":[{"text":"I sure will.","start":2235.03,"end":2236.17,"sentiment":"neutral","sentiment_score":-0.011762655029694239},{"text":"Yeah.","start":2236.55,"end":2237.05,"sentiment":"neutral","sentiment_score":0.02423156425356865},{"text":"Yeah.","start":2237.815,"end":2238.055,"sentiment":"neutral","sentiment_score":0.006162649020552635},{"text":"That'll yeah.","start":2238.055,"end":2239.415,"sentiment":"neutral","sentiment_score":-0.008782397955656052},{"text":"That'll all form part of it.","start":2239.415,"end":2241.095,"sentiment":"neutral","sentiment_score":0.038993263617157936}],"sentiment":"neutral","sentiment_score":0.016269310305898007,"num_words":13,"start":2235.03,"end":2241.095},{"sentences":[{"text":"It definitely will.","start":2241.095,"end":2242.235,"sentiment":"neutral","sentiment_score":-0.01790769522388776},{"text":"No.","start":2248.295,"end":2248.535,"sentiment":"neutral","sentiment_score":-0.09788066893815994},{"text":"Because what I will do is I will include the fact that from 67, pension's gonna hit and how much money will you have in your superannuation fund come '67, and what will you be eligible for from pension, and how is that gonna offset everything from there.","start":2248.535,"end":2262.65,"sentiment":"neutral","sentiment_score":0.04377908418731143},{"text":"I will have it all stepped out and stepped down.","start":2262.65,"end":2264.925,"sentiment":"neutral","sentiment_score":-0.10697428211569786},{"text":"Okay.","start":2266.845,"end":2267.345,"sentiment":"neutral","sentiment_score":0.08354783058166504}],"sentiment":"neutral","sentiment_score":0.015295195171520823,"num_words":63,"start":2241.095,"end":2267.345},{"sentences":[{"text":"Oh, okay.","start":2267.405,"end":2268.0452,"sentiment":"neutral","sentiment_score":0.12989378720521927},{"text":"And I will do a little bit of looking into to see if we can get a sneaky little bit of money from the from the government now.","start":2268.0452,"end":2274.385,"sentiment":"neutral","sentiment_score":0.10253525152802467},{"text":"So I know there are a couple of loopholes, but they're not fun.","start":2275.085,"end":2278.225,"sentiment":"neutral","sentiment_score":-0.20225111165871987},{"text":"So it just depends on how how little fun you're willing to have.","start":2278.925,"end":2282.65,"sentiment":"neutral","sentiment_score":0.066546613493791},{"text":"Yeah.","start":2292.95,"end":2293.45,"sentiment":"neutral","sentiment_score":-0.03934518247842789}],"sentiment":"neutral","sentiment_score":0.023285455413554843,"num_words":57,"start":2267.405,"end":2293.45},{"sentences":[{"text":"Yeah.","start":2303.5151,"end":2303.835,"sentiment":"neutral","sentiment_score":-0.0166409220546484},{"text":"I mean and, realistically, if you want to, like, if when we run the figures, I don't think it's gonna be an issue.","start":2303.835,"end":2310.075,"sentiment":"neutral","sentiment_score":-0.09052843483083922},{"text":"But if when we run the figures, you decide that maybe, you know, the money's not gonna last, so you wanna build up a little bit more of an f peg, you can always be a traveling bookkeeper.","start":2310.075,"end":2318.99,"sentiment":"neutral","sentiment_score":-0.024356531175343615},{"text":"I know that accountants are always screaming out for good bookkeepers.","start":2319.05,"end":2322.11,"sentiment":"neutral","sentiment_score":-0.02518557452342727},{"text":"So it's always something that you could do.","start":2322.4102,"end":2337.975,"sentiment":"neutral","sentiment_score":-0.07011817116290331}],"sentiment":"neutral","sentiment_score":-0.04768308391219672,"num_words":81,"start":2303.5151,"end":2337.975},{"sentences":[{"text":"Yeah.","start":2338.83,"end":2339.33,"sentiment":"neutral","sentiment_score":0.044918809086084366},{"text":"Yeah.","start":2343.7102,"end":2344.2102,"sentiment":"neutral","sentiment_score":0.02986294776201248},{"text":"Yeah.","start":2344.59,"end":2344.99,"sentiment":"neutral","sentiment_score":0.020594710484147072},{"text":"Just do, like, your common work.","start":2344.99,"end":2346.53,"sentiment":"neutral","sentiment_score":0.2179024045666059},{"text":"No.","start":2348.51,"end":2348.99,"sentiment":"neutral","sentiment_score":-0.0784483402967453}],"sentiment":"neutral","sentiment_score":0.1324342554435134,"num_words":10,"start":2338.83,"end":2348.99},{"sentences":[{"text":"I don't know.","start":2348.99,"end":2349.73,"sentiment":"neutral","sentiment_score":-0.10132433474063873},{"text":"Okay.","start":2351.595,"end":2352.075,"sentiment":"neutral","sentiment_score":0.2478620558977127},{"text":"Perfect.","start":2352.075,"end":2352.475,"sentiment":"positive","sentiment_score":0.6307758092880249},{"text":"So even if you're picking up little cash jobs here and there, you're happy to do that as well?","start":2352.475,"end":2356.895,"sentiment":"positive","sentiment_score":0.41154352614754125},{"text":"Okay.","start":2358.235,"end":2358.735,"sentiment":"neutral","sentiment_score":0.1291215866804123}],"sentiment":"positive","sentiment_score":0.3409245377779007,"num_words":25,"start":2348.99,"end":2358.735},{"sentences":[{"text":"Alright.","start":2358.955,"end":2359.435,"sentiment":"neutral","sentiment_score":0.19039803743362427},{"text":"So what I'm gonna do today is I have back to back appointments for the rest of the afternoon and at some point have to go and get my kids.","start":2359.435,"end":2366.3398,"sentiment":"neutral","sentiment_score":0.0716335998227199},{"text":"Oh my gosh.","start":2366.3398,"end":2366.9,"sentiment":"neutral","sentiment_score":-0.13130542635917664},{"text":"Do not.","start":2366.9,"end":2367.6199,"sentiment":"neutral","sentiment_score":-0.18973170965909958},{"text":"You called at the perfect time, to be honest.","start":2367.6199,"end":2369.46,"sentiment":"neutral","sentiment_score":0.01602508293257819}],"sentiment":"neutral","sentiment_score":0.038005601780282124,"num_words":45,"start":2358.955,"end":2369.46},{"sentences":[{"text":"It I mean, I was trying to have lunch, but so fine.","start":2369.46,"end":2373.3198,"sentiment":"neutral","sentiment_score":0.09289941502114137},{"text":"It it enabled me to breathe a little bit more this afternoon, is good.","start":2374.5798,"end":2378.505,"sentiment":"positive","sentiment_score":0.44162976316043306},{"text":"So what I will do is I I'm going to next week, get back to you and, b, you're then able to update me with anything that happened, I e, we go to contract or your employer comes back and says, no.","start":2379.045,"end":2396.17,"sentiment":"neutral","sentiment_score":0.11594958665470283},{"text":"You need to give us x amount of notice, and we're not willing for you to give us that notice until the April.","start":2396.17,"end":2400.99,"sentiment":"neutral","sentiment_score":-0.011964255296017813},{"text":"Then it just gives me a timeline on when we wanna do everything.","start":2401.21,"end":2404.2349,"sentiment":"neutral","sentiment_score":0.05126304322710404}],"sentiment":"neutral","sentiment_score":0.12075705763597328,"num_words":104,"start":2369.46,"end":2404.2349},{"sentences":[{"text":"But what I wanna do is I wanna have the advice document ready to go to issue issue to you by the oh, sorry.","start":2404.375,"end":2411.7349,"sentiment":"neutral","sentiment_score":0.06046192561431477},{"text":"Hiccups.","start":2411.7349,"end":2412.2349,"sentiment":"neutral","sentiment_score":0.0019270990742370488},{"text":"By the March end of January, March, April.","start":2412.9348,"end":2416.855,"sentiment":"neutral","sentiment_score":0.03281187824904919},{"text":"Yeah.","start":2416.855,"end":2417.1748,"sentiment":"neutral","sentiment_score":0.04289855808019638},{"text":"March.","start":2417.1748,"end":2417.6748,"sentiment":"neutral","sentiment_score":0.03772004693746567}],"sentiment":"neutral","sentiment_score":0.051317912709367065,"num_words":35,"start":2404.375,"end":2417.6748},{"sentences":[{"text":"So I was gonna say May.","start":2417.8948,"end":2419.23,"sentiment":"neutral","sentiment_score":0.061287802954514824},{"text":"By the March April.","start":2419.31,"end":2422.35,"sentiment":"neutral","sentiment_score":0.0877094529569149},{"text":"So that way, we're good to go.","start":2422.35,"end":2425.25,"sentiment":"neutral","sentiment_score":0.1969766765832901},{"text":"So even if your employer says no April, we just delay implementing it until that April time line.","start":2425.55,"end":2442.385,"sentiment":"neutral","sentiment_score":-0.03029733171893491},{"text":"Yep.","start":2453.4,"end":2453.9,"sentiment":"neutral","sentiment_score":0.003904429730027914}],"sentiment":"neutral","sentiment_score":0.04322093956741608,"num_words":36,"start":2417.8948,"end":2453.9},{"sentences":[{"text":"Perfect.","start":2458.0398,"end":2458.5398,"sentiment":"neutral","sentiment_score":0.3217938542366028},{"text":"Absolutely.","start":2459.0,"end":2459.5,"sentiment":"neutral","sentiment_score":0.1654079705476761},{"text":"No.","start":2468.105,"end":2468.425,"sentiment":"neutral","sentiment_score":-0.06455275416374207},{"text":"Absolutely can.","start":2468.425,"end":2469.7249,"sentiment":"neutral","sentiment_score":-0.022091447608545426},{"text":"That's okay.","start":2481.8801,"end":2482.52,"sentiment":"neutral","sentiment_score":-0.0008120338898152113}],"sentiment":"neutral","sentiment_score":0.053834586803402217,"num_words":7,"start":2458.0398,"end":2482.52},{"sentences":[{"text":"So when do you fly out to South Africa?","start":2482.52,"end":2484.46,"sentiment":"neutral","sentiment_score":0.003981694837825166},{"text":"O two okay.","start":2490.245,"end":2498.405,"sentiment":"neutral","sentiment_score":-0.0017884050806363423},{"text":"So South Africa I'm so sorry.","start":2498.405,"end":2500.245,"sentiment":"neutral","sentiment_score":-0.009197557733083764},{"text":"It's the second till when?","start":2500.245,"end":2501.79,"sentiment":"neutral","sentiment_score":-0.0033821942750364544},{"text":"Sorry.","start":2503.71,"end":2504.21,"sentiment":"neutral","sentiment_score":0.0004830837715417146}],"sentiment":"neutral","sentiment_score":-0.0017142998209844034,"num_words":24,"start":2482.52,"end":2504.21},{"sentences":[{"text":"'20.","start":2504.43,"end":2504.93,"sentiment":"neutral","sentiment_score":0.007078070193529129},{"text":"Perfect.","start":2507.1501,"end":2507.6501,"sentiment":"positive","sentiment_score":0.6594465970993042},{"text":"Amazing.","start":2508.9102,"end":2509.4102,"sentiment":"positive","sentiment_score":0.7261507511138916},{"text":"I will get that out to you.","start":2509.55,"end":2511.4102,"sentiment":"positive","sentiment_score":0.5211257040500641},{"text":"And we can, yes, we can have a chat when you're back.","start":2512.9102,"end":2515.47,"sentiment":"neutral","sentiment_score":0.20882000029087067}],"sentiment":"positive","sentiment_score":0.34301797046580096,"num_words":22,"start":2504.43,"end":2515.47},{"sentences":[{"text":"So I'll send you an email.","start":2515.47,"end":2516.43,"sentiment":"neutral","sentiment_score":0.029578669151912134},{"text":"In worst case, you just communicate over email if there's any changes or anything.","start":2516.43,"end":2519.725,"sentiment":"neutral","sentiment_score":0.024444184665169035},{"text":"But I won't Yes.","start":2520.425,"end":2524.365,"sentiment":"neutral","sentiment_score":0.011651732340396848},{"text":"Yeah.","start":2535.6,"end":2535.9202,"sentiment":"neutral","sentiment_score":0.027719814330339432},{"text":"Yeah.","start":2535.9202,"end":2536.4001,"sentiment":"neutral","sentiment_score":0.06297266483306885}],"sentiment":"neutral","sentiment_score":0.025268846490339805,"num_words":26,"start":2515.47,"end":2536.4001},{"sentences":[{"text":"That's probably the the biggest point right now.","start":2536.4001,"end":2539.3,"sentiment":"neutral","sentiment_score":0.09932470321655273},{"text":"Absolutely.","start":2540.48,"end":2540.98,"sentiment":"neutral","sentiment_score":0.2587726414203644},{"text":"No.","start":2543.68,"end":2544.1602,"sentiment":"neutral","sentiment_score":0.0610826276242733},{"text":"Oh my gosh.","start":2544.1602,"end":2544.8801,"sentiment":"neutral","sentiment_score":0.09062906354665756},{"text":"No.","start":2544.8801,"end":2545.36,"sentiment":"neutral","sentiment_score":0.08150676637887955}],"sentiment":"neutral","sentiment_score":0.10484620369970798,"num_words":14,"start":2536.4001,"end":2545.36},{"sentences":[{"text":"Honestly, you're a pleasure.","start":2545.36,"end":2547.2651,"sentiment":"positive","sentiment_score":0.45412497594952583},{"text":"Any day.","start":2547.565,"end":2548.465,"sentiment":"positive","sentiment_score":0.3760613948106766},{"text":"This is something I love sinking my teeth into, so I'm excited.","start":2548.605,"end":2551.825,"sentiment":"positive","sentiment_score":0.5384608457485834},{"text":"And I'm excited for you.","start":2552.445,"end":2553.825,"sentiment":"positive","sentiment_score":0.4569821059703827},{"text":"Amazing.","start":2558.0452,"end":2558.5452,"sentiment":"positive","sentiment_score":0.5625515580177307}],"sentiment":"positive","sentiment_score":0.49490062209467095,"num_words":24,"start":2545.36,"end":2558.5452},{"sentences":[{"text":"Perfect.","start":2558.605,"end":2559.085,"sentiment":"positive","sentiment_score":0.5469537377357483},{"text":"Well, if I don't talk to you beforehand, have the absolutely most amazing time in South Africa.","start":2559.085,"end":2563.82,"sentiment":"positive","sentiment_score":0.33638655054656896},{"text":"And otherwise, I'm just gonna start tearing everything apart and having a look at everything.","start":2564.44,"end":2568.46,"sentiment":"neutral","sentiment_score":0.0014158334583044053},{"text":"The one thing I will need is I'm going to do you have a printer at all?","start":2568.76,"end":2573.115,"sentiment":"neutral","sentiment_score":-0.01715371204430566},{"text":"No.","start":2578.875,"end":2579.355,"sentiment":"neutral","sentiment_score":-0.29129645228385925}],"sentiment":"neutral","sentiment_score":0.1118402557228418,"num_words":51,"start":2558.605,"end":2579.355},{"sentences":[{"text":"That's okay.","start":2579.355,"end":2579.9949,"sentiment":"neutral","sentiment_score":-0.07732391357421875},{"text":"What I'll do is I'm gonna post out what's called an authority form so I can send it to AustralianSuper to get the research that I need Australian Super.","start":2579.9949,"end":2590.41,"sentiment":"neutral","sentiment_score":0.11497257046144584},{"text":"I'll have a look to see whether the authority we currently have in place is still valid.","start":2590.41,"end":2593.71,"sentiment":"neutral","sentiment_score":0.041704504148048514},{"text":"But if it's not, I'll I'll post that out.","start":2594.49,"end":2596.57,"sentiment":"neutral","sentiment_score":-0.010006744414567947},{"text":"If it is, I'll put in the email.","start":2596.57,"end":2598.51,"sentiment":"neutral","sentiment_score":0.05745370639488101}],"sentiment":"neutral","sentiment_score":0.06550926520274236,"num_words":65,"start":2579.355,"end":2598.51},{"sentences":[{"text":"Perfect.","start":2603.8152,"end":2604.135,"sentiment":"positive","sentiment_score":0.37804925441741943},{"text":"Well, I'll I'll have a look and make sure that it is.","start":2604.135,"end":2606.635,"sentiment":"neutral","sentiment_score":0.170270757128795},{"text":"And and yeah.","start":2607.975,"end":2609.2551,"sentiment":"neutral","sentiment_score":0.08100361625353496},{"text":"And I'll I'll grab the information I need from there just so I can consider the balance and stuff like that coming over.","start":2609.2551,"end":2615.115,"sentiment":"neutral","sentiment_score":0.09682018552785335},{"text":"Yeah.","start":2628.4302,"end":2628.9302,"sentiment":"neutral","sentiment_score":0.002525981515645981}],"sentiment":"neutral","sentiment_score":0.12234248593449593,"num_words":40,"start":2603.8152,"end":2628.9302},{"sentences":[{"text":"Yes.","start":2636.785,"end":2637.285,"sentiment":"neutral","sentiment_score":0.08313338458538055},{"text":"Absolutely.","start":2639.905,"end":2640.405,"sentiment":"positive","sentiment_score":0.40312033891677856},{"text":"No.","start":2641.745,"end":2641.985,"sentiment":"neutral","sentiment_score":-0.05238784849643707},{"text":"And I will I will consider those points in the document as well.","start":2641.985,"end":2645.205,"sentiment":"neutral","sentiment_score":0.1844036212334266}],"sentiment":"neutral","sentiment_score":0.17694455944001675,"num_words":16,"start":2636.785,"end":2645.205}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Thank you for calling Oaktree Financial. You're speaking with Maddie.\n\nChannel 0: Maddie, hi. It's Carol Farrell. I'm just waiting for Larissa's call because I've got plans later.\n\nChannel 1: Not a problem at all. Let me just pull up your file. My apologies.\n\nChannel 0: Okay.\n\nChannel 1: Apologies, Carol. I'm just pulling this up. Before I go any further, I do just need to pass you through a quick security. Could I confirm\n\nChannel 0: Sure.\n\nChannel 1: your address and date of birth, please?\n\nChannel 0: Address, 6146 Albany Street, Point Frederick, New South Wales 2250, and my date of birth is 01/03/1966.\n\nChannel 1: Perfect. Thank you so much for that one. Alrighty. I can see here you booked into Larissa's calendar. I do apologize.\n\nWe've had a bit of an admin error on our end. We've booked it in for 5PM Queensland time. However, Larissa may be available right now if you're still available for the appointment.\n\nChannel 0: I am now. Yes.\n\nChannel 1: Yeah. Let me just pop you on a quick hold, and I'll see if she's available now. Okay?\n\nChannel 0: Okay.\n\nChannel 1: Welcome to Oakview Financial. At Oakview Financial, we use an innovative model of trust and long term holistic advice, revolutionizing the way financial planning is done. Our team is comprised of highly skilled, transparent financial experts, and our vision is to become the most trusted household name in financial planning throughout Australia. We thank you for your patience today and look forward to Hi, Carol. How are you going?\n\nChannel 0: I'm good. Thanks.\n\nChannel 1: That's good. So sorry, doll. Booking got\n\nChannel 0: No.\n\nChannel 1: moved a couple of times, and I think we just they just forgot to consider the time difference at the same\n\nChannel 0: Yes.\n\nChannel 1: time.\n\nChannel 0: Yes.\n\nChannel 1: No. That's okay. So to I guess I guess just to start off, my name is Larissa. So I'm a licensed financial adviser. I'm the head of financial advice here at Oakview.\n\nAnd I guess what I ultimately wanna do and the whole point of the call is to to help you with any advice that you really need. So is there anything specific that you did want to touch on or talk about?\n\nChannel 0: Yes. I had said in my message in my email what it was about. I have just turned 60. I'm a home care worker, and it's I'm incredibly stressed by it, and I've decided I'm retiring in the next few months. I'm selling my unit, and I'm buying a van and\n\nChannel 1: Yep.\n\nChannel 0: expecting to probably walk away with 450 k from it, of which a 120 will probably go to the van.\n\nChannel 1: Yep.\n\nChannel 0: And then I was wanting to get some advice on how to move forward because the balance I would like to put most of that into my super this is I would I'll be living off this\n\nChannel 1: Yeah.\n\nChannel 0: for a while, but I think it'll be better off growing in my super than it would me trying to put it in the bank.\n\nChannel 1: Yes.\n\nChannel 0: And and I also wanna take advantage where I can of the caps and the\n\nChannel 1: Yep.\n\nChannel 0: tax advantages. I also want to take a pension and maybe put some back so that I don't have that would might not pension, but take super out. Oh, as a pension. Because I'm not able to get pension state pension yet. But I also don't want my kids to have to be taxed too much when I go\n\nChannel 1: Yep.\n\nChannel 0: with what's left. So, you know, I'm just asking how best to deal with this. If I can sell before the June, how much am I able to put in to this year and to next year? And is it a 15% tax coming in still?\n\nChannel 1: Yeah. Okay.\n\nChannel 0: A\n\nChannel 1: So\n\nChannel 0: lot.\n\nChannel 1: no. No. No. No. You are perfect.\n\nYou are absolutely perfect. A, you just summarized a lifetime of notes in a three minute phone call, which is more than most people can do, and I absolutely love you for it. So that was fantastic. You know what you want, and I'm\n\nChannel 0: Yes.\n\nChannel 1: not having to pull teeth. So this is beautiful. Let's take it one step at a time. So we're selling the house. Do we have a debt on the house still?\n\nChannel 0: Yeah. $2.19.\n\nChannel 1: $2.09 0. Okay. So $2.09 0 debt, and you expect to walk away with $4.50 after\n\nChannel 0: Yes.\n\nChannel 1: all the debts are paid off. Fantastic.\n\nChannel 0: Yes. My\n\nChannel 1: Then\n\nChannel 0: state agent thinks he can get up to $7.90 between $7.50 and $7.90. And then there's also the cost related to selling and everything else.\n\nChannel 1: 100%. Perfect. So which gives us the $4.50. Van purchase is gonna be $1.20. So we're basically gonna walk away with about $3.30 in cash to be able to invest, live on, so on and so forth.\n\nChannel 0: Yes. Yeah.\n\nChannel 1: We wanna put we wanna put as much as possible as we can into super,\n\nChannel 0: Yeah.\n\nChannel 1: which is fantastic. So there's a couple of different avenues. First\n\nChannel 0: Yes.\n\nChannel 1: and foremost, you're 60. So when again, yep, as you know, not eligible for age pension at the moment, but we could still possibly look at getting some, like, unemployment benefit to kinda top up your income a little bit.\n\nChannel 0: But if I'm choosing not to work, can I still get unemployment?\n\nChannel 1: We can definitely still get some thing. It's not easy, but there are still things that we can do. Generally, they still require you to, like, apply for jobs and do stuff like that. But at your age, you could also get away with, like, volunteering as a way of working\n\nChannel 0: Okay.\n\nChannel 1: because you\n\nChannel 0: It's\n\nChannel 1: are over 60.\n\nChannel 0: that I am going to be in a van all over Australia.\n\nChannel 1: I did skip over that as a mental note, didn't I? Yes. So probably not what I'm saying. I'll look into it as a travel travel aspect, but I wanna see if we can get anything from Centrelink because, a, you've worked forever and you wanna get back what you've put in,\n\nChannel 0: Yes.\n\nChannel 1: and we don't wanna be taking away from the money that you've grown personally. So we wanna try and get something.\n\nChannel 0: Yes.\n\nChannel 1: Correct. There are tax advantages to putting money in super. Yes. It is 15%. Can I ask, what do you want to have to earn this financial year?\n\nChannel 0: It's not gonna even be 50.\n\nChannel 1: Okay. So about 50, but not quite. So under\n\nChannel 0: It'll be under because I've also got travel expenses and the depreciation on my car and stuff like that.\n\nChannel 1: 50.\n\nChannel 0: I'm just gonna\n\nChannel 1: Yep.\n\nChannel 0: sign list. Like, if I can, I want to stop working the latest, the April? Let me just find my case. I'm sorry. It's it's a tricky one because it's packaged because of home care work and non non not for profit.\n\nChannel 1: Yeah.\n\nChannel 0: So at the moment, my year to date, taxable is 24 and a half. Nontaxable is four and a half, and my tax is only $2.04. So on top of that, they'll probably be around 7 or 8,000 in expenses I can claim. So my tax bill last year was for the first year that I've done it, and I've got a refund for the first time in very, very long time. So I feel like I'll probably still get a bit of a tax refund.\n\nI'm not too sure how much, though.\n\nChannel 1: No. That's okay. So you have about 24 and a half thousand, you said,\n\nChannel 0: Yes.\n\nChannel 1: In taxable, 4 and a half in nontaxable, 4,000 in tax, and then you said seven to eight thousand that you can pay expenses. Okay.\n\nChannel 0: Yeah. That might also just be I'm just looking at that. Our company changed names in July or businesses in July, so I'm not sure if that's from first of I feel like they would have done it from July 1. So it's a very poorly paid job.\n\nChannel 1: No. That's okay. Definitely on track to further under 50. It sounds like we're probably on track from more than likely around the $40,000 mark by the time\n\nChannel 0: Yes.\n\nChannel 1: we\n\nChannel 0: Yeah.\n\nChannel 1: consider the expenses, which is okay. It just means that tax effectively, there's not gonna be a massive amount that we can put in for tax effectiveness.\n\nChannel 0: Okay.\n\nChannel 1: Because because how how contributions work in super, right, is that when we put money in super under, like, a salary sacrifice or a lump sum contribution strategy, you put\n\nChannel 0: Yes.\n\nChannel 1: money in. And once that money goes into the super fund, you are then removing money from your taxable income. So let's just say you did earn 50,000 for the year and we put in\n\nChannel 0: Yeah.\n\nChannel 1: 10,000 into your super fund. Your taxable income would go from 50,000\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: down to 40,000,\n\nChannel 0: Yeah.\n\nChannel 1: which means you would only pay tax at the marginal rate on the 40,000,\n\nChannel 0: Yeah.\n\nChannel 1: and your super fund would pay 15% tax on the 10,000 that you put in. Now it means that it's just tax effective.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Now because marginal rates are they work in brackets, the first $18,200 that you earn is tax free.\n\nChannel 0: Yes.\n\nChannel 1: So it doesn't make sense to put if you earn $50,000, it doesn't make sense to put $50,000 in because then\n\nChannel 0: No.\n\nChannel 1: you'd be paying 15%\n\nChannel 0: On\n\nChannel 1: on\n\nChannel 0: the 18,000. Yeah.\n\nChannel 1: correct. On a on a\n\nChannel 0: Yep.\n\nChannel 1: tax free. So we\n\nChannel 0: Yep.\n\nChannel 1: could put as much in that would basically if you sell your if you sell your house, and this is all coming down to if you sell. You\n\nChannel 0: It\n\nChannel 1: sell\n\nChannel 0: will.\n\nChannel 1: your house that's fantastic.\n\nChannel 0: Yeah.\n\nChannel 1: So when you sell your house, let's put it that way, when you sell your house, we could put in money. It always has to be within this financial year. We we we put money in to basically completely offset the income that you earn. So let's just say you do earn $40,000. We\n\nChannel 0: Yeah.\n\nChannel 1: would put we would basically put just over $20,000 in to basically bring you to only earning 18,200. So\n\nChannel 0: Yeah.\n\nChannel 1: you would pay no tax, and the rest of the money would go into your super fund. We would pay 15% tax, which is lower than the marginal rate that it would be associated with. We'd\n\nChannel 0: Yeah.\n\nChannel 1: pay 11% less in tax in your super fund. And then what we could do is we could then put money in after tax. So it's called non concessional.\n\nChannel 0: Yeah. Yes.\n\nChannel 1: And what that means is because the sale of your property is tax free earnings, so you don't take you won't pay tax. You won't pay capital gains tax on on your primary residence. That\n\nChannel 0: No.\n\nChannel 1: money could go in your super fund as well, and you won't you won't pay any tax in your super fund so that the super fund won't won't\n\nChannel 0: Because it that's where\n\nChannel 1: pay\n\nChannel 0: the\n\nChannel 1: the 15\n\nChannel 0: from?\n\nChannel 1: cents? It's how you allocate the money. So\n\nChannel 0: Yeah.\n\nChannel 1: with with contributions, so from your employer or concessional, the money\n\nChannel 0: Yeah.\n\nChannel 1: that gets taxed within the super fund, there\n\nChannel 0: Yeah.\n\nChannel 1: are caps to to $30,000 a year. So\n\nChannel 0: Yeah.\n\nChannel 1: you can only put $3,000 within the fund within any given year\n\nChannel 0: Yeah.\n\nChannel 1: before you go over that cap and you pay more tax.\n\nChannel 0: Yeah.\n\nChannel 1: You pay more than the 15%.\n\nChannel 0: Okay.\n\nChannel 1: So really high income payments, they you know, if you're earning over the $300,000 a year, their employer is already putting over $30,000 in. So they get taxed at a higher rate in their super funds because of their high income.\n\nChannel 0: Yeah.\n\nChannel 1: And then tax free money, so, like, the same on it. And what happens is that money sits tax free. So that means that for your kids, from an estate planning point of view, that money is going to sit in a much better position for them in the event that something happens to you from a client's perspective.\n\nChannel 0: Okay.\n\nChannel 1: Now there's a couple of different things we can do to get as much money into funds as possible, and and we could realistically probably put we could put all $330,000 into that fund in a tax free position\n\nChannel 0: And then I what? In one year or over\n\nChannel 1: in\n\nChannel 0: time?\n\nChannel 1: one year. In one year.\n\nChannel 0: But then I need to live because I'm not gonna have any income. So\n\nChannel 1: Yep. And then we can set up a pension account to have the money\n\nChannel 0: Yeah.\n\nChannel 1: come in and repeat you every month, every two weeks,\n\nChannel 0: Yeah.\n\nChannel 1: once a quarter, however you want the money to come to you.\n\nChannel 0: Okay.\n\nChannel 1: And then because you're fully retired,\n\nChannel 0: And then\n\nChannel 1: we can have it\n\nChannel 0: and\n\nChannel 1: come out\n\nChannel 0: then\n\nChannel 1: as\n\nChannel 0: is\n\nChannel 1: much\n\nChannel 0: that\n\nChannel 1: as you\n\nChannel 0: the\n\nChannel 1: want.\n\nChannel 0: 10% limit, though? It's 10% of whatever is in your fund.\n\nChannel 1: No. It won't be. So because you will be fully retired, you\n\nChannel 0: Yeah.\n\nChannel 1: won't be restricted to 10. You'll have full eligibility requirements, and you'll be able to access as much as you want. Yeah. So brings\n\nChannel 0: Okay.\n\nChannel 1: up\n\nChannel 0: Not restricted\n\nChannel 1: a lot\n\nChannel 0: to 10\n\nChannel 1: for\n\nChannel 0: percent. But that, I thought, was something I'd have to do because I\n\nChannel 1: you.\n\nChannel 0: was under under 67. Okay. So that my intention is to do that. I will probably\n\nChannel 1: Yeah.\n\nChannel 0: need to draw a pension in if I if I resign for the April, I'm gonna need money from April.\n\nChannel 1: Yeah. That's fine. So from April, you need to draw an income. And how much were you looking to actually draw?\n\nChannel 0: See, that's the tricky thing because I've got all the stuff to set up. So\n\nChannel 1: That's okay. So if you don't necessarily know the income, I can start working on the figures as to how we put the money into the super fund after you sell the house, how we progress with putting that in in a tax effective position. And then from that, once we're tax effective, we've got the money in, we can just work on how much you need from a broad position\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: if\n\nChannel 0: But\n\nChannel 1: you don't\n\nChannel 0: the money\n\nChannel 1: quite know what that exactly looks like yet.\n\nChannel 0: no. But the the money is only gonna come in after I've resigned. So, you you know, the the sale will probably only go through in June. Because I'm going to South Africa for March. So I've got to then come back and sort the unit out so that it looks\n\nChannel 1: Yes.\n\nChannel 0: sellable. And then it's like it will sell quickly because the guy that sold it to me, he always within a week or two, his stuff's gone.\n\nChannel 1: Yep. Yes.\n\nChannel 0: So it's I'm gonna need money probably for April, May, June because I'm gonna still have a bit of a mortgage. I'm still gonna have my mortgage for April and May and some of June. And at the moment, like, I'd say probably 1,500 a week\n\nChannel 1: Okay.\n\nChannel 0: until\n\nChannel 1: So\n\nChannel 0: the sale through.\n\nChannel 1: you're you're wanting to you're wanting to retire in April\n\nChannel 0: Yeah.\n\nChannel 1: at the at the April?\n\nChannel 0: I wanted to have this conversation with you first. Otherwise, I\n\nChannel 1: Yeah.\n\nChannel 0: don't know because I'm going away for March. I don't know if they're gonna expect me to then do four weeks or if they will let me resign at the February and finish, you know, on Easter Monday.\n\nChannel 1: Yeah. Look. I there there's there's two segments to this advice piece. Right?\n\nChannel 0: Yeah.\n\nChannel 1: The first is how do we get the money into the fund? The second is is the the retirement strategy. Now they don't have to work synonymously. They can work separately\n\nChannel 0: Yeah. Yes.\n\nChannel 1: because, obviously, putting the money in the fund is contingent on when the house sells. The pension is contingent on when you retire.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: So if you don't need I can start the research today.\n\nChannel 0: Yes. Yeah.\n\nChannel 1: So I can start the research today, and you I can send you an email, and you can just send me email updates. Hey. I spoke to my\n\nChannel 0: Yeah.\n\nChannel 1: employer. They're\n\nChannel 0: Yeah.\n\nChannel 1: happy for me to to end as of, you know, this date.\n\nChannel 0: Yeah.\n\nChannel 1: And and I can base it on, well, Carol finishes on this date. She's gonna need her first pension payment on this date.\n\nChannel 0: Yeah.\n\nChannel 1: And I can base it that. Second to that is, you know, keeping in touch with me and say, hey. My my house has gone under contract.\n\nChannel 0: Yeah.\n\nChannel 1: It settles on this date. I'm gonna have to cash in my account on this date. So that way I can work on cool from that date. We're gonna be able to put money in. Because\n\nChannel 0: Okay.\n\nChannel 1: if we go to pension phase first and then you put money in, I'm gonna have to do what's called a refresh. Because I'm gonna move 100% of your money over to a pension account. A pension account cannot receive income, so it can't receive contributions. So\n\nChannel 0: Okay.\n\nChannel 1: if we move to a pension account first, which is fine, I can do that, and then we sell our house and we try to contribute, I need to consider that in the advice documents so that way I'm able to set up a new super account, have the super have your the payment go into your super account, and then basically roll the pension account over and and close it, and then reset up the pension account with all of the money.\n\nChannel 0: Okay.\n\nChannel 1: So it's just it it just depends on how everything falls step by step process wise. I'm\n\nChannel 0: Alright.\n\nChannel 1: gonna assume based\n\nChannel 0: Question?\n\nChannel 1: on timeline, you're probably gonna retire before house\n\nChannel 0: Yes. No. Definitely return before because I need to fix things up, and I need to pack and sell and get rid of,\n\nChannel 1: sales.\n\nChannel 0: you know,\n\nChannel 1: Yeah.\n\nChannel 0: stuff. So but my question again is\n\nChannel 1: Yeah.\n\nChannel 0: when they do the settlement, does\n\nChannel 1: Yes.\n\nChannel 0: it is it helpful can they pay you directly instead of it coming into my account and me paying it to you?\n\nChannel 1: No.\n\nChannel 0: Can\n\nChannel 1: It it\n\nChannel 0: okay.\n\nChannel 1: has to go to you first. And\n\nChannel 0: Okay.\n\nChannel 1: what actually happens is your solicitor or your conveyancer will actually handle the will handle the sale. The\n\nChannel 0: Yeah.\n\nChannel 1: conveyancer will actually get paid. The conveyancer\n\nChannel 0: Yeah.\n\nChannel 1: will then pay off your mortgage,\n\nChannel 0: Yeah.\n\nChannel 1: and then you will get the remainder of the proceeds.\n\nChannel 0: Yeah.\n\nChannel 1: So that will happen and that those proceeds will get paid into your bank account. The day that\n\nChannel 0: Yeah.\n\nChannel 1: settles, you call me up and say, Larissa, I have the money, and I'll say, Carol, this is fantastic news. Here are the payment details, and we pay the money into the account.\n\nChannel 0: Okay. I'd have to go into the bank to do that because that's a big sum. They\n\nChannel 1: You\n\nChannel 0: won't\n\nChannel 1: will definitely have to go to the bank to do that. Yes.\n\nChannel 0: bank, so it won't be a problem.\n\nChannel 1: No.\n\nChannel 0: Okay. Okay. So all of that in my head, I just need to clarify. Sorry.\n\nChannel 1: No. Of course.\n\nChannel 0: The way you're talking now, I am not gonna be taxed at 15% on what I put in there.\n\nChannel 1: I wanna put some of it in. At 15\n\nChannel 0: The\n\nChannel 1: percent.\n\nChannel 0: problem with that, I'm not gonna know what my taxable income is until my accounts are done because I have all those other expenses that my tax agent puts through for me as well.\n\nChannel 1: Correct.\n\nChannel 0: So I'm\n\nChannel 1: But what we\n\nChannel 0: in\n\nChannel 1: what we can do is we can actually put all $330,000 into the super fund. And\n\nChannel 0: yeah.\n\nChannel 1: then after you sit down with your tax agent and you start doing your tax return, you\n\nChannel 0: Yeah.\n\nChannel 1: can sit down to your tax agent and say, hey. I put $330,000 into my superannuation fund under a concessional contribution, and I wanna claim some of that. How much can I claim to make it the best tax effective position I can I can put it in? And\n\nChannel 0: Thank\n\nChannel 1: your tax\n\nChannel 0: you.\n\nChannel 1: account your tax account will say, Carol, we can claim blah blah blah blah, and you will then have a form that you will fill out. We will submit to the super\n\nChannel 0: Yeah.\n\nChannel 1: The superfund will convert those funds into taxable, and they will they'll pay the tax.\n\nChannel 0: Yeah.\n\nChannel 1: And then you get to put that on your tax return and claim it as a deduction,\n\nChannel 0: Okay.\n\nChannel 1: and you walk away with a net zero tax tax\n\nChannel 0: It would be a little just a couple of brand because it's not gonna be much,\n\nChannel 1: outcome.\n\nChannel 0: but it'll be a nice\n\nChannel 1: It's it's hey. Money that you don't have to pay to the tax man is always nice.\n\nChannel 0: It's all always good. Yep. Okay.\n\nChannel 1: We put we put all in on that non concessional,\n\nChannel 0: Confessional. The nonconfessional.\n\nChannel 1: yeah, non concessional ruling. And then we have twelve months from the end of the financial year to convert it. So somewhere between the 07/01/2026 and 06/30/2027, you just have to go and sit with your accountant somewhere within that twelve months. And\n\nChannel 0: Okay.\n\nChannel 1: so long as you sit with your accountant within that twelve months and you go, let's sit down and do our tax, then your accountant will say you owe this much. And you go, well, how if I was to claim on my super fund as a contribute as a, you know, concessional contribution, how much could I claim to get it to a net zero or to be most tax effective? And your accountant can run the figure, and you can go through from that. Because a 100%, you're correct. We're not gonna know the exact outcome of your of your tax return because you do have the nontaxable component, the expenses, everything else\n\nChannel 0: Yeah.\n\nChannel 1: until you actually sit down, until we get really close to the financial year, and we know exactly what it looks like. And you might find it is it might just be, like, a grand that you you claim as a as a, you know, concessional. It might be nothing. It might be nothing expenses that I had to pull you down into that net zero,\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: but the option's there.\n\nChannel 0: Yeah. Okay. The again, back to\n\nChannel 1: Yeah.\n\nChannel 0: like, the amount that I give you will probably be around 300 because I'd like to keep a little nest egg out for emergencies and then yeah. Just have the nest egg just in case something happens and it's like I might need more money out.\n\nChannel 1: So if you say what we can run with is we are basing everything off you getting 330, at the\n\nChannel 0: Yeah.\n\nChannel 1: end of the day, you want to keep $30.40, $50,000 in cash. Whatever is remaining will go into the super fund. If you tell me how much you wanna keep,\n\nChannel 0: Yeah. Yeah. Yeah. Yeah. Yeah.\n\nOkay.\n\nChannel 1: we can base\n\nChannel 0: Well,\n\nChannel 1: everything else off. So do you wanna keep 30,000, or do you wanna keep\n\nChannel 0: I I yeah. I would probably just give you the 300 to\n\nChannel 1: 50? Cool.\n\nChannel 0: work with, and then whatever's left, I would then put it into a savings account that I say has fairly easy access to in a in the case of an emergency.\n\nChannel 1: Perfect. The good thing is because you're fully retired, if there was an emergency, you could always call me up and say, hey, Larissa. I need $10,000, and I can get that money to you, and it's\n\nChannel 0: Yeah. But it but it might not get to me for a couple of days or whatever.\n\nChannel 1: not an issue. Yeah. It's a couple of days.\n\nChannel 0: Yeah.\n\nChannel 1: You know, can can be up to a couple of weeks.\n\nChannel 0: Yeah.\n\nChannel 1: It's\n\nChannel 0: Oh,\n\nChannel 1: it's\n\nChannel 0: okay. But then\n\nChannel 1: it\n\nChannel 0: I'm asking. Okay.\n\nChannel 1: yeah. But what I'm gonna do is I'm gonna have a look at your investments, and I'll make sure that I put you in something that maybe have a little bit more of a bucket strategy where we have a little bit of\n\nChannel 0: Yeah.\n\nChannel 1: available cash so we can\n\nChannel 0: Yeah.\n\nChannel 1: pull on some cash in an emergent need\n\nChannel 0: Yeah.\n\nChannel 1: and go from there. Okay?\n\nChannel 0: Okay. Yeah. I'm not I'm also 100% happy, but I have this conversation all the time with some of the new stuff. It's not moving well. I think he moved me into a a few or they're all ETFs now, I think.\n\nAnd I'm not sure. Like, I just it's fluctuating a lot. I am one of those people that checks every other day. So\n\nChannel 1: Yeah. It's always gonna fluctuate a bit. But I could definitely have a look over the investment. I also know that you have your, like, your Australian Superfund as well. What do we wanna do with that account?\n\nNow that we're\n\nChannel 0: I\n\nChannel 1: not gonna be working, do we need that insurance?\n\nChannel 0: feel well, it was to cover the mortgage, and I'm not gonna have the mortgage. But then, like, I don't the kids will have a van to sell and, you know, something critical happens. How like, if something happens to me, it is a binding nomination for my kids to share. How long does that take? Because I guess yeah.\n\nLike, if I died for them to get paid out, how long does that take?\n\nChannel 1: In the superannuation fund, so for any kind of estate or debt claim, it depends on how you wanna pay. If you wanna pay directly to the kids, it pays quickest. If you want it paid through your estate, so through your will, it'll take a little bit longer because they have to set a bank account up. Any\n\nChannel 0: So\n\nChannel 1: death claim\n\nChannel 0: oh, so\n\nChannel 1: yeah.\n\nChannel 0: so that's interesting. So if it's like a the binding nomination, can can that just mean it goes directly to the kids and it's not part of my state?\n\nChannel 1: Yes. Yeah. So with any with any superannuation fund, you can nominate either a direct person, a child is always, irrespective\n\nChannel 0: They've put\n\nChannel 1: of age, an\n\nChannel 0: 20\n\nChannel 1: allowable\n\nChannel 0: one and\n\nChannel 1: benefit.\n\nChannel 0: 24. 21 and 24 now.\n\nChannel 1: Yeah. So they're always gonna be allowed to be a a a benefit, like a nomination.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: The only downside between a direct nomination and a a state nomination is that with a direct nomination, any taxable component of the fund will be taxed at 17% when\n\nChannel 0: Okay.\n\nChannel 1: paid to them versus through the the estate. So if it's paid to a bank account in the name of it it it the bank account would literally be the estate of Carol. When paid there, it only pays 15\n\nChannel 0: Yeah.\n\nChannel 1: percent. They don't have the 2% Medicare levy.\n\nChannel 0: Oh,\n\nChannel 1: It's quicker to pay direct.\n\nChannel 0: I'd rather do the\n\nChannel 1: The\n\nChannel 0: direct. They wouldn't care. They'd\n\nChannel 1: yeah.\n\nChannel 0: rather\n\nChannel 1: The biggest\n\nChannel 0: so that they can\n\nChannel 1: the money\n\nChannel 0: sort\n\nChannel 1: quicker.\n\nChannel 0: out, you know, whatever.\n\nChannel 1: Yeah. The biggest downside\n\nChannel 0: Yes.\n\nChannel 1: to any kind of estate nominate like, a estate claim is you have to wait for the legal death benefit the death certificate first. That's the thing that takes\n\nChannel 0: Yes.\n\nChannel 1: the longest. The claim actually doesn't take that long. It's generally a couple of months once someone passes and is buried to get the government death certificate. Once the government death certificate arrives, it's pretty quick to get\n\nChannel 0: Yeah.\n\nChannel 1: a claim through. I've had claims come through within a couple of weeks for a death like a deceased estate. It's\n\nChannel 0: Yeah.\n\nChannel 1: just getting the paperwork altogether, really.\n\nChannel 0: Yeah. But then what's the thing where and that will be only the money that in or is it all whatever is left in my super, they will be taxed on? Or the\n\nChannel 1: Just\n\nChannel 0: con\n\nChannel 1: what is taxable. So the money that so the 300,000 that we're gonna put in will\n\nChannel 0: yeah.\n\nChannel 1: go into the super fund and will be held tax free.\n\nChannel 0: Okay.\n\nChannel 1: So currently so to, I guess, break it down for you, I'll just go over the tax taxation component.\n\nChannel 0: I do have a component that is not taxable be I think because it was moved from The UK to Australian Super,\n\nChannel 1: Yep.\n\nChannel 0: And there was an amount that I think\n\nChannel 1: Let's hold that way. So currently in your hub 24, you have a 100 like, a $109,000 that's being tax\n\nChannel 0: Yeah.\n\nChannel 1: free.\n\nChannel 0: Yes. And\n\nChannel 1: You\n\nChannel 0: that's\n\nChannel 1: then\n\nChannel 0: The UK.\n\nChannel 1: have yeah. Yeah. So that's tax free completely. And then you have 280 it's 183. I'm sounding I'm not gonna do with numbers.\n\nChannel 0: Yeah. That's\n\nChannel 1: 2\n\nChannel 0: okay.\n\nChannel 1: 183,000\n\nChannel 0: That would be taxable.\n\nChannel 1: that's taxable. So that's what they would pay tax on. Now what I would like to do is we put the $300,000 in, and then what we do from there is in a few years time, we do what's called a recontribution strategy. So we would convert some of the taxable component over to tax free, and we could\n\nChannel 0: Yeah.\n\nChannel 1: do that every three years. We could just keep converting money from taxable to tax free because you're retired and you're done working. We could do that nicely. And we could get\n\nChannel 0: You\n\nChannel 1: to the\n\nChannel 0: can't\n\nChannel 1: point where\n\nChannel 0: start\n\nChannel 1: we have\n\nChannel 0: you can't start doing it fairly soon.\n\nChannel 1: So there's limitations. So you know how under\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: contributions, you can only put a 110,000 in sorry,\n\nChannel 0: Yeah.\n\nChannel 1: 120,000 in each year.\n\nChannel 0: 100 and\n\nChannel 1: Or\n\nChannel 0: 20. Yeah. Because that's that's what I saw somewhere. Yeah.\n\nChannel 1: yeah. So what you can do is you can use what's called a bring forward where you use three years. So you put $360,000 in. We're gonna put 300,000. We could basically put 300,000 in, then do a recontribution of 60,000 and and make like, use the full full amount of the cap that you have available,\n\nChannel 0: Okay.\n\nChannel 1: which is perfect. That's fine. We then can't trigger that rule until we've used those three years. So if we use this financial year of 2627,\n\nChannel 0: Yeah.\n\nChannel 1: then it would be twenty seven, twenty eight, twenty eight, twenty nine.\n\nChannel 0: I\n\nChannel 1: So\n\nChannel 0: can't\n\nChannel 1: the next\n\nChannel 0: hear.\n\nChannel 1: time that we could do this would be the financial year\n\nChannel 0: '30.\n\nChannel 1: 2930. That sorry. That that was that's too far.\n\nChannel 0: It sounds so far away.\n\nChannel 1: That sounds so hard. I know.\n\nChannel 0: It's like that meme on Facebook where they say, you know, I love seventies music. I love the music back, you know, twenty years ago or thirty years ago, and I guess, no. That's actually fifty years\n\nChannel 1: Fifty\n\nChannel 0: ago. That's\n\nChannel 1: years\n\nChannel 0: me\n\nChannel 1: ago? Yeah.\n\nChannel 0: gets me every time because I'm like, oh my god. I can't\n\nChannel 1: This\n\nChannel 0: believe\n\nChannel 1: is the\n\nChannel 0: it\n\nChannel 1: opportunity.\n\nChannel 0: would yeah. Okay. I hear you on that. But so that would be part of our planning now.\n\nChannel 1: We would plan for it now, but it was something it'd be something that we'd execute\n\nChannel 0: Yeah.\n\nChannel 1: slowly over time. It's\n\nChannel 0: Yeah.\n\nChannel 1: not something that we could do in the immediate. We would basically I'd have triggers to basically execute that\n\nChannel 0: Yeah.\n\nChannel 1: in the financial years that we would we would be allowed to do it, and that would fall under you wanting to limit the tax on your estate. So I'd already\n\nChannel 0: Yeah.\n\nChannel 1: kind of started mentally preparing for that, but I absolutely love how many questions you have. Like, I could not even tell you how happy my total is today.\n\nChannel 0: I'm sorry. I think\n\nChannel 1: No.\n\nChannel 0: I'm\n\nChannel 1: Don't.\n\nChannel 0: I just need to make my it work in my head. Okay. So once I retire and the last lot of super goes into Australian super, the last contributions, I will then we can trigger moving that over as well. So once I tell you when I've retired, then so if I can be the March, that would be awesome. And then April so in May, we can move all of Australian super over.\n\nChannel 1: Yeah. I mean, what I would do is, basically, I would put in so in the advice,\n\nChannel 0: Yeah.\n\nChannel 1: and and and, again, this is me this is me spitballing before I sit down to really tear it apart because I'm I'm as much as this conversation does form basis for advice, when I sit down and I'm not thinking and talking, I'm amazing, but sometimes ideas come to you later on.\n\nChannel 0: Yes.\n\nChannel 1: I sit you can sit down and strategize a little bit more and and make sure that, obviously, anything that I'm wanting to trigger, any order that I'm wanting to trigger it in is best effective for you.\n\nChannel 0: Yeah.\n\nChannel 1: But what we would do is we would I would basically have, like, in the advice document something to the effect of when you retire, we're gonna close and roll over AustralianSuper. We will once that money arrives in your hub twenty four fund, we would trigger and set up a pension account paying $1,500 a week. As at, you know, the time that your house then sells, we will then do, say, a contribution of $300,000 into a brand new super fund. We will then do a refresh pension. Or once once we set up the super fund, we will then do the recontribution strategy.\n\nSo do that extra $60,000 recon strategy. That way we use the full amount of that that cap.\n\nChannel 0: Yeah.\n\nChannel 1: We will then set up your reset up your pension account. And then what we will do is we will then, you know, in x amount of times at financial year's last, do another recontribution strategy, continuing\n\nChannel 0: Yeah.\n\nChannel 1: your income of $1,500 a week on from there. So I'll make sure that I obviously consider other aspects and other things that we can do, make sure that I'm anyway. And I think it's gonna pretty much be paid off perfectly. It's just a matter of when each thing triggers, which is\n\nChannel 0: Yeah.\n\nChannel 1: fine. But if you're comfortable with $1,500 a week in income, if\n\nChannel 0: And\n\nChannel 1: you're\n\nChannel 0: that\n\nChannel 1: comfortable\n\nChannel 0: might might be able\n\nChannel 1: yeah.\n\nChannel 0: to bring it. I just don't know yet.\n\nChannel 1: Yeah. That's okay.\n\nChannel 0: Yeah.\n\nChannel 1: I think it it can always be something that you alright. Let's let's put it this way. It's not something you have to answer for me. It's something that you can email to me later. It's just this\n\nChannel 0: Yeah.\n\nChannel 1: is a question that's rhetorical and for you to\n\nChannel 0: Yeah.\n\nChannel 1: think about. If you were to if you look at your budget right now, how much you earn each week,\n\nChannel 0: Yeah.\n\nChannel 1: and you get rid of your mortgage out of that budget, how much\n\nChannel 0: And\n\nChannel 1: do you actually\n\nChannel 0: start\n\nChannel 1: live on?\n\nChannel 0: and starter. And\n\nChannel 1: And yeah.\n\nChannel 0: my starter is 1,400 a quarter for a very old block of units with no lift.\n\nChannel 1: Yeah. And your\n\nChannel 0: But\n\nChannel 1: electricity\n\nChannel 0: electricity, water, all of that. But\n\nChannel 1: but\n\nChannel 0: then\n\nChannel 1: then\n\nChannel 0: I will\n\nChannel 1: you\n\nChannel 0: other\n\nChannel 1: you\n\nChannel 0: fees\n\nChannel 1: add on\n\nChannel 0: that\n\nChannel 1: the fuel costs and you add on\n\nChannel 0: yeah.\n\nChannel 1: the campus. So it's what does your budget look like now, and what is\n\nChannel 0: It's\n\nChannel 1: your\n\nChannel 0: around\n\nChannel 1: budget gonna look like when you're\n\nChannel 0: yeah. Yeah. Because at the moment, it's what is it? It's probably about 1,200 a week now.\n\nChannel 1: traveling? Yep. So you're giving yourself a bit of a buffer, which is good. And\n\nChannel 0: Just\n\nChannel 1: at the\n\nChannel 0: and\n\nChannel 1: end\n\nChannel 0: they\n\nChannel 1: of the day, you\n\nChannel 0: they have\n\nChannel 1: can always\n\nChannel 0: to buy\n\nChannel 1: turn around yeah. You can always turn around, and you can call me after a few months and go, hey,\n\nChannel 0: yeah.\n\nChannel 1: Larissa. That's too much. I don't\n\nChannel 0: Yeah.\n\nChannel 1: need just 800. I've got way too much money sitting here\n\nChannel 0: Yeah.\n\nChannel 1: in my bank\n\nChannel 0: And\n\nChannel 1: account.\n\nChannel 0: I'd rather it would say doing its job. Well,\n\nChannel 1: Yeah.\n\nChannel 0: you also with your advising, are you also gonna then go if this is how much is coming in, this is how much it will last you if you take out\n\nChannel 1: I\n\nChannel 0: 15\n\nChannel 1: sure will.\n\nChannel 0: yes.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. The way you\n\nChannel 1: Yeah.\n\nChannel 0: got\n\nChannel 1: That'll yeah. That'll all form part of it. It\n\nChannel 0: and\n\nChannel 1: definitely\n\nChannel 0: and\n\nChannel 1: will.\n\nChannel 0: it'll basically say you're gonna have to kill yourself when you're 89 because that's when it's gone.\n\nChannel 1: No. Because what I will do is I will include the fact that from 67, pension's gonna hit and how much money will you have in your superannuation fund come '67, and\n\nChannel 0: Yeah.\n\nChannel 1: what will you be eligible for from pension, and how is that gonna offset everything from there. I will have it all stepped out and stepped down.\n\nChannel 0: Thank you.\n\nChannel 1: Okay. Oh, okay. And I will do a little bit of looking into to see if we can get a sneaky little bit of money from the from the government now.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: So I know\n\nChannel 0: I\n\nChannel 1: there are a couple of loopholes, but they're not fun. So it\n\nChannel 0: was\n\nChannel 1: just\n\nChannel 0: I\n\nChannel 1: depends\n\nChannel 0: know.\n\nChannel 1: on how\n\nChannel 0: Like,\n\nChannel 1: how\n\nChannel 0: I\n\nChannel 1: little\n\nChannel 0: am\n\nChannel 1: fun you're willing to have.\n\nChannel 0: with work and everything else, and it's definitely having an effect on my health, I think. But that's I'm not going there because it was a line of work I've chosen just in the last\n\nChannel 1: Yeah.\n\nChannel 0: few years because I'm, like, a bookkeeper, accountant, auditor, all of that stuff by trade back in the day. So that's why I've got all the questions.\n\nChannel 1: Yeah. I mean and, realistically,\n\nChannel 0: But\n\nChannel 1: if you want to, like, if when we run the figures, I don't think it's gonna be an issue. But if when we run the figures, you decide that maybe, you know, the money's not gonna last, so you wanna build up a little bit more of an f peg, you can always be a traveling bookkeeper. I know that accountants are always screaming out for good bookkeepers. So it's always\n\nChannel 0: Well,\n\nChannel 1: something\n\nChannel 0: I've done that. Yeah. I don't wanna do that anymore. I don't\n\nChannel 1: that\n\nChannel 0: wanna I've been trying to get out of this job for,\n\nChannel 1: you\n\nChannel 0: like, the last six months, and they don't want somebody my age. But I'm happy on my travels. We need a cafe hand person,\n\nChannel 1: could do.\n\nChannel 0: a waitress.\n\nChannel 1: Yeah.\n\nChannel 0: We this person to come and help us in the office for a short while. All of that?\n\nChannel 1: Yeah. Yeah. Just do, like, your common work.\n\nChannel 0: Yeah. So\n\nChannel 1: No.\n\nChannel 0: that's all.\n\nChannel 1: I don't know. Okay. Perfect. So even if you're picking up little cash jobs here and there, you're happy to do that as well?\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Okay. Alright. So what I'm gonna do today is I have back to back appointments for the rest of the afternoon\n\nChannel 0: Oh,\n\nChannel 1: and at\n\nChannel 0: sorry.\n\nChannel 1: some point have to go and get my kids. Oh my gosh. Do not. You called at the perfect time, to be honest. It I mean, I was trying to have lunch, but so fine.\n\nChannel 0: No.\n\nChannel 1: It it enabled me to breathe a little bit more this afternoon, is good. So what I will do is I I'm going to next week, get back to you and,\n\nChannel 0: Good.\n\nChannel 1: b,\n\nChannel 0: Yeah.\n\nChannel 1: you're then able to update me with anything that happened, I e, we go to contract or your employer comes back and says, no. You need to give us x amount of notice, and we're not willing for you to give us that notice until the April. Then it just gives me a timeline on when\n\nChannel 0: Yes.\n\nChannel 1: we wanna do everything. But what I wanna\n\nChannel 0: Yes.\n\nChannel 1: do is I wanna have the advice document ready to go to issue issue to you by the oh, sorry. Hiccups. By the March end of January, March, April. Yeah. March.\n\nSo I was\n\nChannel 0: Yeah.\n\nChannel 1: gonna say May. By the March April. So that way, we're good to go.\n\nChannel 0: Yeah.\n\nChannel 1: So even if your employer says no April, we just delay implementing it until that April time\n\nChannel 0: Yeah. No. No. That sounds good. I'll know more anyway because I will I will talk\n\nChannel 1: line.\n\nChannel 0: to my upline and just ask her what I am and and not able to do. Because they've got a plan for me not being there for the next three weeks anyway,\n\nChannel 1: Yep.\n\nChannel 0: so they may as well continue with that line, I guess.\n\nChannel 1: Perfect. Absolutely.\n\nChannel 0: Yeah. I just don't wanna put myself through this anymore. I'm just so done with it. So perfect. Thank you.\n\nAnd\n\nChannel 1: No. Absolutely\n\nChannel 0: I'll just\n\nChannel 1: can.\n\nChannel 0: I'll wait the second to the March 20. So if you send me stuff, I might not be able to do too much with it because I'll be using my dad's Wi Fi and stuff.\n\nChannel 1: That's\n\nChannel 0: And\n\nChannel 1: okay. So when do you fly out to South Africa?\n\nChannel 0: on the Monday the second. Yeah. To South Africa\n\nChannel 1: O\n\nChannel 0: to again\n\nChannel 1: two\n\nChannel 0: so I don't know what Wi Fi I'm gonna have there.\n\nChannel 1: okay. So South Africa I'm so sorry. It's the second till when?\n\nChannel 0: The twentieth. I'm back in\n\nChannel 1: Sorry.\n\nChannel 0: Australia on\n\nChannel 1: '20.\n\nChannel 0: the '20 Friday the twentieth.\n\nChannel 1: Perfect. Amazing. I will get that out to you. And we can, yes, we can have a chat when you're back. So I'll send\n\nChannel 0: Yeah.\n\nChannel 1: you an email. In worst case, you just communicate over\n\nChannel 0: Yeah.\n\nChannel 1: email if there's any changes or anything.\n\nChannel 0: Yeah.\n\nChannel 1: But\n\nChannel 0: It's\n\nChannel 1: I won't\n\nChannel 0: just it's an email, like, now\n\nChannel 1: Yes.\n\nChannel 0: just so that I've got it because then I can let you know what the deal is at least with the with, like, finishing work stuff. I guess that's the mode thing right now is that\n\nChannel 1: Yeah. Yeah. That's probably the the biggest point\n\nChannel 0: yeah.\n\nChannel 1: right now.\n\nChannel 0: Yeah.\n\nChannel 1: Absolutely.\n\nChannel 0: Alright. Thank you so so much.\n\nChannel 1: No. Oh my gosh. No. Honestly, you're a pleasure. Any day.\n\nThis is something I love sinking my teeth into, so I'm excited.\n\nChannel 0: Oh, good.\n\nChannel 1: And\n\nChannel 0: Oh,\n\nChannel 1: I'm\n\nChannel 0: good.\n\nChannel 1: excited\n\nChannel 0: Thank\n\nChannel 1: for you.\n\nChannel 0: you. Oh, yes. Me too. And\n\nChannel 1: Amazing. Perfect. Well, if I don't talk to you beforehand, have the absolutely most amazing time in South\n\nChannel 0: six.\n\nChannel 1: Africa. And otherwise, I'm just gonna start tearing everything apart and having a look at everything. The one thing I will need is I'm going to do you have a printer at all?\n\nChannel 0: I do. But it's so touching though because it's weird. The Wi Fi doesn't work very\n\nChannel 1: No.\n\nChannel 0: well.\n\nChannel 1: That's okay. What I'll do is I'm gonna post out what's called an authority form so I can\n\nChannel 0: Yes.\n\nChannel 1: send it to AustralianSuper to get the research that I need Australian Super. I'll have a look to see whether the authority we currently have in place is still valid. But if it's not, I'll I'll post that out. If it is,\n\nChannel 0: I think\n\nChannel 1: I'll\n\nChannel 0: it\n\nChannel 1: put in\n\nChannel 0: should\n\nChannel 1: the\n\nChannel 0: be.\n\nChannel 1: email.\n\nChannel 0: I think it should be. I think I did it only in November or December or\n\nChannel 1: Perfect. Well, I'll I'll have a\n\nChannel 0: I\n\nChannel 1: look and make sure\n\nChannel 0: think\n\nChannel 1: that it\n\nChannel 0: yeah.\n\nChannel 1: is. And and yeah. And I'll I'll grab the information I need from there just so I can consider the balance and stuff like that\n\nChannel 0: Yeah.\n\nChannel 1: coming over.\n\nChannel 0: Because what I've I've got on my to do list is as soon as I know I can retire, I'll cancel the TPD for that. And once the unit's sold, I'll cancel the insurance life insurance, and then I\n\nChannel 1: Yeah.\n\nChannel 0: can move it when my last payment goes in. Oh, I'll tell you. And then you you can move it for the move\n\nChannel 1: Yes.\n\nChannel 0: it over to your side. Yeah.\n\nChannel 1: Absolutely.\n\nChannel 0: Alright.\n\nChannel 1: No.\n\nChannel 0: Okay.\n\nChannel 1: And I will I will consider those points in the document as well.\n\nChannel 0: Yeah. Thank you. Alright. Okay. Thank you, Erisa.\n\nBye.","paragraphs":[{"sentences":[{"text":"Thank you for calling Oaktree Financial.","start":1.92,"end":3.78,"sentiment":"positive","sentiment_score":0.4882603585720062},{"text":"You're speaking with Maddie.","start":3.9199998,"end":4.98,"sentiment":"neutral","sentiment_score":0.18245501816272736}],"sentiment":"positive","sentiment_score":0.36593822240829466,"channel":1,"num_words":10,"start":1.92,"end":4.98},{"sentences":[{"text":"Maddie, hi.","start":5.6,"end":6.3999996,"sentiment":"neutral","sentiment_score":0.06063348241150379},{"text":"It's Carol Farrell.","start":6.3999996,"end":7.62,"sentiment":"neutral","sentiment_score":0.059571441262960434},{"text":"I'm just waiting for Larissa's call because I've got plans later.","start":8.96,"end":13.059999,"sentiment":"neutral","sentiment_score":0.016357686201279812}],"sentiment":"neutral","sentiment_score":0.029994739801622927,"channel":0,"num_words":16,"start":5.6,"end":13.059999},{"sentences":[{"text":"Not a problem at all.","start":14.754999,"end":16.195,"sentiment":"neutral","sentiment_score":0.09449734464287758},{"text":"Let me just pull up your file.","start":16.195,"end":18.515,"sentiment":"neutral","sentiment_score":0.04272944426962307},{"text":"My apologies.","start":18.515,"end":19.255,"sentiment":"neutral","sentiment_score":-0.09729501977562904}],"sentiment":"neutral","sentiment_score":0.04121448525360653,"channel":1,"num_words":14,"start":14.754999,"end":19.255},{"sentences":[{"text":"Okay.","start":20.385,"end":20.885,"sentiment":"neutral","sentiment_score":-0.009113076142966747}],"sentiment":"neutral","sentiment_score":-0.009113076142966747,"channel":0,"num_words":1,"start":20.385,"end":20.885},{"sentences":[{"text":"Apologies, Carol.","start":30.45,"end":31.41,"sentiment":"neutral","sentiment_score":-0.019655925687402487},{"text":"I'm just pulling this up.","start":31.41,"end":32.95,"sentiment":"neutral","sentiment_score":-0.004703982919454575},{"text":"Before I go any further, I do just need to pass you through a quick security.","start":39.89,"end":43.274998,"sentiment":"neutral","sentiment_score":0.014364000991918147},{"text":"Could I confirm","start":43.274998,"end":44.254997,"sentiment":"neutral","sentiment_score":0.028182875365018845}],"sentiment":"neutral","sentiment_score":0.009674649076679578,"channel":1,"num_words":26,"start":30.45,"end":44.254997},{"sentences":[{"text":"Sure.","start":43.995,"end":44.495,"sentiment":"neutral","sentiment_score":0.02352434024214745}],"sentiment":"neutral","sentiment_score":0.02352434024214745,"channel":0,"num_words":1,"start":43.995,"end":44.495},{"sentences":[{"text":"your address and date of birth, please?","start":44.554996,"end":46.655,"sentiment":"neutral","sentiment_score":0.02032213152519294}],"sentiment":"neutral","sentiment_score":0.02032213152519294,"channel":1,"num_words":7,"start":44.554996,"end":46.655},{"sentences":[{"text":"Address, 6146 Albany Street, Point Frederick, New South Wales 2250, and my date of birth is 01/03/1966.","start":47.434998,"end":58.31,"sentiment":"neutral","sentiment_score":0.029658951577456558}],"sentiment":"neutral","sentiment_score":0.029658951577456558,"channel":0,"num_words":17,"start":47.434998,"end":58.31},{"sentences":[{"text":"Perfect.","start":58.86,"end":59.34,"sentiment":"positive","sentiment_score":0.5349975228309631},{"text":"Thank you so much for that one.","start":59.34,"end":60.96,"sentiment":"positive","sentiment_score":0.6866525837353298},{"text":"Alrighty.","start":61.42,"end":61.92,"sentiment":"neutral","sentiment_score":0.19745205342769623},{"text":"I can see here you booked into Larissa's calendar.","start":62.3,"end":65.52,"sentiment":"neutral","sentiment_score":0.09372469037771225},{"text":"I do apologize.","start":65.74,"end":66.88,"sentiment":"neutral","sentiment_score":-0.05263024071852366}],"sentiment":"neutral","sentiment_score":0.2964118644595146,"channel":1,"num_words":21,"start":58.86,"end":66.88},{"sentences":[{"text":"We've had a bit of an admin error on our end.","start":66.94,"end":69.34,"sentiment":"neutral","sentiment_score":-0.12308066473765807},{"text":"We've booked it in for 5PM Queensland time.","start":69.34,"end":71.66,"sentiment":"neutral","sentiment_score":-0.02448300179094076},{"text":"However, Larissa may be available right now if you're still available for the appointment.","start":71.66,"end":76.785,"sentiment":"neutral","sentiment_score":0.00869544648698398}],"sentiment":"neutral","sentiment_score":-0.04327318410981785,"channel":1,"num_words":33,"start":66.94,"end":76.785},{"sentences":[{"text":"I am now.","start":77.425,"end":78.305,"sentiment":"neutral","sentiment_score":0.031194937104980152},{"text":"Yes.","start":78.305,"end":78.805,"sentiment":"neutral","sentiment_score":0.0671331137418747}],"sentiment":"neutral","sentiment_score":0.04017948126420379,"channel":0,"num_words":4,"start":77.425,"end":78.805},{"sentences":[{"text":"Yeah.","start":78.525,"end":79.005005,"sentiment":"neutral","sentiment_score":0.0797797292470932},{"text":"Let me just pop you on a quick hold, and I'll see if she's available now.","start":79.005005,"end":81.645004,"sentiment":"neutral","sentiment_score":0.06950552272610366},{"text":"Okay?","start":81.645004,"end":82.145004,"sentiment":"neutral","sentiment_score":0.03948015347123146}],"sentiment":"neutral","sentiment_score":0.06840823590755463,"channel":1,"num_words":18,"start":78.525,"end":82.145004},{"sentences":[{"text":"Okay.","start":82.32,"end":82.82,"sentiment":"neutral","sentiment_score":0.08915694057941437}],"sentiment":"neutral","sentiment_score":0.08915694057941437,"channel":0,"num_words":1,"start":82.32,"end":82.82},{"sentences":[{"text":"Welcome to Oakview Financial.","start":89.78,"end":91.72,"sentiment":"neutral","sentiment_score":0.2189515233039856},{"text":"At Oakview Financial, we use an innovative model of trust and long term holistic advice, revolutionizing the way financial planning is done.","start":92.259995,"end":101.314995,"sentiment":"positive","sentiment_score":0.34110836684703827},{"text":"Our team is comprised of highly skilled, transparent financial experts, and our vision is to become the most trusted household name in financial planning throughout Australia.","start":101.615,"end":112.435,"sentiment":"positive","sentiment_score":0.385300127359537},{"text":"We thank you for your patience today and look forward to Hi, Carol.","start":113.36,"end":119.68,"sentiment":"positive","sentiment_score":0.41260661757909334},{"text":"How are you going?","start":119.68,"end":120.58,"sentiment":"neutral","sentiment_score":0.24658573791384697}],"sentiment":"positive","sentiment_score":0.35866989065771515,"channel":1,"num_words":69,"start":89.78,"end":120.58},{"sentences":[{"text":"I'm good.","start":120.97,"end":121.45,"sentiment":"positive","sentiment_score":0.37007802724838257},{"text":"Thanks.","start":121.45,"end":121.95,"sentiment":"positive","sentiment_score":0.4180034399032593}],"sentiment":"positive","sentiment_score":0.3860531648000081,"channel":0,"num_words":3,"start":120.97,"end":121.95},{"sentences":[{"text":"That's good.","start":123.04,"end":123.840004,"sentiment":"neutral","sentiment_score":0.3271860182285309},{"text":"So sorry, doll.","start":123.840004,"end":125.14,"sentiment":"neutral","sentiment_score":-0.03026607756813367},{"text":"Booking got","start":125.33501,"end":125.815,"sentiment":"neutral","sentiment_score":-0.09116090089082718}],"sentiment":"neutral","sentiment_score":0.05446457171014377,"channel":1,"num_words":7,"start":123.04,"end":125.815},{"sentences":[{"text":"No.","start":125.695,"end":126.195,"sentiment":"neutral","sentiment_score":-0.16496026515960693}],"sentiment":"neutral","sentiment_score":-0.16496026515960693,"channel":0,"num_words":1,"start":125.695,"end":126.195},{"sentences":[{"text":"moved a couple of times, and I think we just they just forgot to consider the time difference at the same","start":125.815,"end":131.255,"sentiment":"neutral","sentiment_score":-0.09888502139420736}],"sentiment":"neutral","sentiment_score":-0.09888502139420736,"channel":1,"num_words":21,"start":125.815,"end":131.255},{"sentences":[{"text":"Yes.","start":131.215,"end":131.715,"sentiment":"neutral","sentiment_score":-0.02222011052072048}],"sentiment":"neutral","sentiment_score":-0.02222011052072048,"channel":0,"num_words":1,"start":131.215,"end":131.715},{"sentences":[{"text":"time.","start":131.255,"end":131.755,"sentiment":"neutral","sentiment_score":-0.015984810888767242}],"sentiment":"neutral","sentiment_score":-0.015984810888767242,"channel":1,"num_words":1,"start":131.255,"end":131.755},{"sentences":[{"text":"Yes.","start":132.575,"end":133.075,"sentiment":"neutral","sentiment_score":-0.004622466862201691}],"sentiment":"neutral","sentiment_score":-0.004622466862201691,"channel":0,"num_words":1,"start":132.575,"end":133.075},{"sentences":[{"text":"No.","start":134.215,"end":134.455,"sentiment":"neutral","sentiment_score":-0.025364097207784653},{"text":"That's okay.","start":134.455,"end":135.435,"sentiment":"neutral","sentiment_score":0.026501120068132877},{"text":"So to I guess I guess just to start off, my name is Larissa.","start":135.655,"end":142.98,"sentiment":"neutral","sentiment_score":0.056485419560756},{"text":"So I'm a licensed financial adviser.","start":143.52,"end":145.36,"sentiment":"neutral","sentiment_score":0.1077616885304451},{"text":"I'm the head of financial advice here at Oakview.","start":145.36,"end":147.86,"sentiment":"neutral","sentiment_score":0.16238574104176628}],"sentiment":"neutral","sentiment_score":0.091452369291801,"channel":1,"num_words":32,"start":134.215,"end":147.86},{"sentences":[{"text":"And I guess what I ultimately wanna do and the whole point of the call is to to help you with any advice that you really need.","start":148.8,"end":157.685,"sentiment":"neutral","sentiment_score":0.2437451465262307},{"text":"So is there anything specific that you did want to touch on or talk about?","start":157.685,"end":164.105,"sentiment":"neutral","sentiment_score":0.04424098779757817}],"sentiment":"neutral","sentiment_score":0.17249366126599766,"channel":1,"num_words":42,"start":148.8,"end":164.105},{"sentences":[{"text":"Yes.","start":164.61,"end":164.93001,"sentiment":"neutral","sentiment_score":0.03444866091012955},{"text":"I had said in my message in my email what it was about.","start":164.93001,"end":168.55,"sentiment":"neutral","sentiment_score":-0.023684399632307198},{"text":"I have just turned 60.","start":168.77,"end":171.67,"sentiment":"neutral","sentiment_score":-0.08220705091953277},{"text":"I'm a home care worker, and it's I'm incredibly stressed by it, and I've decided I'm retiring in the next few months.","start":171.73,"end":181.125,"sentiment":"neutral","sentiment_score":-0.1820034242489121},{"text":"I'm selling my unit, and I'm buying a van 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van.","start":187.84,"end":200.34,"sentiment":"neutral","sentiment_score":-0.0235424367710948}],"sentiment":"neutral","sentiment_score":-0.0235424367710948,"channel":0,"num_words":20,"start":187.84,"end":200.34},{"sentences":[{"text":"Yep.","start":201.08,"end":201.58,"sentiment":"neutral","sentiment_score":0.009413672611117365}],"sentiment":"neutral","sentiment_score":0.009413672611117365,"channel":1,"num_words":1,"start":201.08,"end":201.58},{"sentences":[{"text":"And then I was wanting to get some advice on how to move forward because the balance I would like to put most of that into my super this is I would I'll be living off this","start":201.505,"end":216.90999,"sentiment":"neutral","sentiment_score":0.003308284373299496}],"sentiment":"neutral","sentiment_score":0.003308284373299496,"channel":0,"num_words":37,"start":201.505,"end":216.90999},{"sentences":[{"text":"Yeah.","start":217.44499,"end":217.94499,"sentiment":"neutral","sentiment_score":-0.0017156824469566343}],"sentiment":"neutral","sentiment_score":-0.0017156824469566343,"channel":1,"num_words":1,"start":217.44499,"end":217.94499},{"sentences":[{"text":"for a while, but I think it'll be better off growing in my super than it would me trying to put it in the 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the","start":225.86499,"end":233.94499,"sentiment":"neutral","sentiment_score":0.092942047615846}],"sentiment":"neutral","sentiment_score":0.092942047615846,"channel":0,"num_words":15,"start":225.86499,"end":233.94499},{"sentences":[{"text":"Yep.","start":233.9,"end":234.4,"sentiment":"neutral","sentiment_score":0.06920786201953888}],"sentiment":"neutral","sentiment_score":0.06920786201953888,"channel":1,"num_words":1,"start":233.9,"end":234.4},{"sentences":[{"text":"tax advantages.","start":233.94499,"end":234.765,"sentiment":"neutral","sentiment_score":0.11450331658124924},{"text":"I also want to take a pension and maybe put some back so that I don't have that would might not pension, but take super out.","start":235.94499,"end":250.08,"sentiment":"neutral","sentiment_score":0.03025263358050814},{"text":"Oh, as a pension.","start":250.86,"end":251.92,"sentiment":"neutral","sentiment_score":-0.00970700173638761},{"text":"Because I'm not able to get pension state pension yet.","start":252.785,"end":256.965,"sentiment":"neutral","sentiment_score":-0.0378339946269989},{"text":"But I also don't want my kids to have to be taxed too much when I go","start":257.025,"end":261.92502,"sentiment":"neutral","sentiment_score":-0.06707090884447098}],"sentiment":"neutral","sentiment_score":-0.009183021988403999,"channel":0,"num_words":59,"start":233.94499,"end":261.92502},{"sentences":[{"text":"Yep.","start":262.25,"end":262.75,"sentiment":"neutral","sentiment_score":-0.04094431921839714}],"sentiment":"neutral","sentiment_score":-0.04094431921839714,"channel":1,"num_words":1,"start":262.25,"end":262.75},{"sentences":[{"text":"with what's left.","start":263.185,"end":264.405,"sentiment":"neutral","sentiment_score":-0.061648137867450714},{"text":"So, you know, I'm just asking how best to deal with this.","start":264.465,"end":270.79,"sentiment":"neutral","sentiment_score":-0.04568038135766983},{"text":"If I can sell before the June, how much am I able to put in to this year and to next year?","start":270.93,"end":277.97,"sentiment":"neutral","sentiment_score":-0.0057877929965880785},{"text":"And is it a 15% tax coming in still?","start":277.97,"end":282.215,"sentiment":"neutral","sentiment_score":-0.020976531112359628}],"sentiment":"neutral","sentiment_score":-0.022809330778925316,"channel":0,"num_words":46,"start":263.185,"end":282.215},{"sentences":[{"text":"Yeah.","start":284.92,"end":285.4,"sentiment":"neutral","sentiment_score":0.00449768640100956},{"text":"Okay.","start":285.4,"end":285.9,"sentiment":"neutral","sentiment_score":0.017278701066970825}],"sentiment":"neutral","sentiment_score":0.010888193733990192,"channel":1,"num_words":2,"start":284.92,"end":285.9},{"sentences":[{"text":"A","start":287.55502,"end":287.715,"sentiment":"neutral","sentiment_score":0.024361440911889076}],"sentiment":"neutral","sentiment_score":0.024361440911889076,"channel":0,"num_words":1,"start":287.55502,"end":287.715},{"sentences":[{"text":"So","start":287.56,"end":287.88,"sentiment":"neutral","sentiment_score":0.019230354577302933}],"sentiment":"neutral","sentiment_score":0.019230354577302933,"channel":1,"num_words":1,"start":287.56,"end":287.88},{"sentences":[{"text":"lot.","start":287.715,"end":288.215,"sentiment":"neutral","sentiment_score":0.02960665337741375}],"sentiment":"neutral","sentiment_score":0.02960665337741375,"channel":0,"num_words":1,"start":287.715,"end":288.215},{"sentences":[{"text":"no.","start":288.44,"end":288.6,"sentiment":"neutral","sentiment_score":-0.0513530857861042},{"text":"No.","start":288.6,"end":288.76,"sentiment":"neutral","sentiment_score":-0.10316580533981325},{"text":"No.","start":288.76,"end":288.92,"sentiment":"neutral","sentiment_score":-0.12125202268362044},{"text":"No.","start":288.92,"end":289.16,"sentiment":"neutral","sentiment_score":-0.07684445381164551},{"text":"You are perfect.","start":289.16,"end":290.04,"sentiment":"neutral","sentiment_score":0.3112834244966507}],"sentiment":"neutral","sentiment_score":0.08303355798125267,"channel":1,"num_words":7,"start":288.44,"end":290.04},{"sentences":[{"text":"You are absolutely perfect.","start":290.04,"end":291.42,"sentiment":"positive","sentiment_score":0.5987693816423416},{"text":"A, you just summarized a lifetime of notes in a three minute phone call, which is more than most people can do, and I absolutely love you for it.","start":291.76498,"end":301.125,"sentiment":"positive","sentiment_score":0.5060252876117312},{"text":"So that was fantastic.","start":301.125,"end":302.10498,"sentiment":"positive","sentiment_score":0.7633525878190994},{"text":"You know what you want, and I'm","start":302.245,"end":303.89,"sentiment":"neutral","sentiment_score":0.2847295488630022}],"sentiment":"positive","sentiment_score":0.5026438195597042,"channel":1,"num_words":44,"start":290.04,"end":303.89},{"sentences":[{"text":"Yes.","start":303.85,"end":304.35,"sentiment":"neutral","sentiment_score":0.16852983832359314}],"sentiment":"neutral","sentiment_score":0.16852983832359314,"channel":0,"num_words":1,"start":303.85,"end":304.35},{"sentences":[{"text":"not having to pull teeth.","start":303.89,"end":305.09,"sentiment":"neutral","sentiment_score":0.16690619587898253},{"text":"So this is beautiful.","start":305.09,"end":306.39,"sentiment":"positive","sentiment_score":0.6357967406511307},{"text":"Let's take it one step at a time.","start":307.89,"end":309.65,"sentiment":"neutral","sentiment_score":0.18479645438492298},{"text":"So we're selling the house.","start":309.65,"end":310.95,"sentiment":"neutral","sentiment_score":0.018144433200359345},{"text":"Do we have a debt on the 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think it should be.","start":2598.27,"end":2599.23,"sentiment":"neutral","sentiment_score":0.11655342131853104},{"text":"I think I did it only in November or December or","start":2599.23,"end":2602.975,"sentiment":"neutral","sentiment_score":0.07120285758917982}],"sentiment":"neutral","sentiment_score":0.08537490875460207,"channel":0,"num_words":16,"start":2598.27,"end":2602.975},{"sentences":[{"text":"Perfect.","start":2603.8152,"end":2604.135,"sentiment":"positive","sentiment_score":0.37804925441741943},{"text":"Well, I'll I'll have a","start":2604.135,"end":2605.175,"sentiment":"neutral","sentiment_score":0.16881093084812165}],"sentiment":"neutral","sentiment_score":0.20368398477633795,"channel":1,"num_words":6,"start":2603.8152,"end":2605.175},{"sentences":[{"text":"I","start":2605.155,"end":2605.595,"sentiment":"neutral","sentiment_score":0.08657104521989822}],"sentiment":"neutral","sentiment_score":0.08657104521989822,"channel":0,"num_words":1,"start":2605.155,"end":2605.595},{"sentences":[{"text":"look and make sure","start":2605.175,"end":2605.735,"sentiment":"neutral","sentiment_score":0.17028295248746872}],"sentiment":"neutral","sentiment_score":0.17028295248746872,"channel":1,"num_words":4,"start":2605.175,"end":2605.735},{"sentences":[{"text":"think","start":2605.595,"end":2605.995,"sentiment":"neutral","sentiment_score":0.23882174491882324}],"sentiment":"neutral","sentiment_score":0.23882174491882324,"channel":0,"num_words":1,"start":2605.595,"end":2605.995},{"sentences":[{"text":"that it","start":2605.735,"end":2606.135,"sentiment":"neutral","sentiment_score":0.2106720507144928}],"sentiment":"neutral","sentiment_score":0.2106720507144928,"channel":1,"num_words":2,"start":2605.735,"end":2606.135},{"sentences":[{"text":"yeah.","start":2606.0752,"end":2606.5752,"sentiment":"neutral","sentiment_score":0.17881490290164948}],"sentiment":"neutral","sentiment_score":0.17881490290164948,"channel":0,"num_words":1,"start":2606.0752,"end":2606.5752},{"sentences":[{"text":"is.","start":2606.135,"end":2606.635,"sentiment":"neutral","sentiment_score":0.09671851992607115},{"text":"And and yeah.","start":2607.975,"end":2609.2551,"sentiment":"neutral","sentiment_score":0.08100361625353496},{"text":"And I'll I'll grab the information I need from there just so I can consider the balance and stuff like that","start":2609.2551,"end":2613.995,"sentiment":"neutral","sentiment_score":0.10974641215233576}],"sentiment":"neutral","sentiment_score":0.10577616095542908,"channel":1,"num_words":25,"start":2606.135,"end":2613.995},{"sentences":[{"text":"Yeah.","start":2614.235,"end":2614.735,"sentiment":"neutral","sentiment_score":0.00002129003405570984}],"sentiment":"neutral","sentiment_score":0.00002129003405570984,"channel":0,"num_words":1,"start":2614.235,"end":2614.735},{"sentences":[{"text":"coming over.","start":2614.2952,"end":2615.115,"sentiment":"neutral","sentiment_score":-0.038905194029212}],"sentiment":"neutral","sentiment_score":-0.038905194029212,"channel":1,"num_words":2,"start":2614.2952,"end":2615.115},{"sentences":[{"text":"Because what I've I've got on my to do list is as soon as I know I can retire, I'll cancel the TPD for that.","start":2614.7952,"end":2622.8098,"sentiment":"neutral","sentiment_score":-0.1963992792367935},{"text":"And once the unit's sold, I'll cancel the insurance life insurance, and then I","start":2623.1099,"end":2628.47,"sentiment":"neutral","sentiment_score":-0.12336212263575622}],"sentiment":"neutral","sentiment_score":-0.1701808127646263,"channel":0,"num_words":39,"start":2614.7952,"end":2628.47},{"sentences":[{"text":"Yeah.","start":2628.4302,"end":2628.9302,"sentiment":"neutral","sentiment_score":0.002525981515645981}],"sentiment":"neutral","sentiment_score":0.002525981515645981,"channel":1,"num_words":1,"start":2628.4302,"end":2628.9302},{"sentences":[{"text":"can move it when my last payment goes in.","start":2628.47,"end":2633.385,"sentiment":"neutral","sentiment_score":-0.01088286977675226},{"text":"Oh, I'll tell you.","start":2633.385,"end":2634.345,"sentiment":"neutral","sentiment_score":0.09417448379099369},{"text":"And then you you can move it for the move","start":2634.345,"end":2636.905,"sentiment":"neutral","sentiment_score":0.09264322891831397}],"sentiment":"neutral","sentiment_score":0.05239932158071062,"channel":0,"num_words":23,"start":2628.47,"end":2636.905},{"sentences":[{"text":"Yes.","start":2636.785,"end":2637.285,"sentiment":"neutral","sentiment_score":0.08313338458538055}],"sentiment":"neutral","sentiment_score":0.08313338458538055,"channel":1,"num_words":1,"start":2636.785,"end":2637.285},{"sentences":[{"text":"it over to your side.","start":2636.905,"end":2638.105,"sentiment":"neutral","sentiment_score":0.13832848072052},{"text":"Yeah.","start":2638.105,"end":2638.605,"sentiment":"neutral","sentiment_score":0.2352697253227234}],"sentiment":"neutral","sentiment_score":0.15448535482088724,"channel":0,"num_words":6,"start":2636.905,"end":2638.605},{"sentences":[{"text":"Absolutely.","start":2639.905,"end":2640.405,"sentiment":"positive","sentiment_score":0.40312033891677856}],"sentiment":"positive","sentiment_score":0.40312033891677856,"channel":1,"num_words":1,"start":2639.905,"end":2640.405},{"sentences":[{"text":"Alright.","start":2640.0251,"end":2640.5251,"sentiment":"neutral","sentiment_score":0.17717421054840088}],"sentiment":"neutral","sentiment_score":0.17717421054840088,"channel":0,"num_words":1,"start":2640.0251,"end":2640.5251},{"sentences":[{"text":"No.","start":2641.745,"end":2641.985,"sentiment":"neutral","sentiment_score":-0.05238784849643707}],"sentiment":"neutral","sentiment_score":-0.05238784849643707,"channel":1,"num_words":1,"start":2641.745,"end":2641.985},{"sentences":[{"text":"Okay.","start":2641.7852,"end":2642.2852,"sentiment":"neutral","sentiment_score":0.07821004837751389}],"sentiment":"neutral","sentiment_score":0.07821004837751389,"channel":0,"num_words":1,"start":2641.7852,"end":2642.2852},{"sentences":[{"text":"And I will I will consider those points in the document as well.","start":2641.985,"end":2645.205,"sentiment":"neutral","sentiment_score":0.1844036212334266}],"sentiment":"neutral","sentiment_score":0.1844036212334266,"channel":1,"num_words":13,"start":2641.985,"end":2645.205},{"sentences":[{"text":"Yeah.","start":2646.425,"end":2646.87,"sentiment":"positive","sentiment_score":0.3460700511932373},{"text":"Thank you.","start":2647.4302,"end":2648.33,"sentiment":"positive","sentiment_score":0.6541800200939178},{"text":"Alright.","start":2652.07,"end":2652.57,"sentiment":"neutral","sentiment_score":0.3168866038322449},{"text":"Okay.","start":2653.83,"end":2654.33,"sentiment":"positive","sentiment_score":0.3627453148365021},{"text":"Thank you, Erisa.","start":2654.3901,"end":2655.37,"sentiment":"positive","sentiment_score":0.6729125181833903}],"sentiment":"positive","sentiment_score":0.5440999455749989,"channel":0,"num_words":8,"start":2646.425,"end":2655.37},{"sentences":[{"text":"Bye.","start":2656.87,"end":2657.37,"sentiment":"neutral","sentiment_score":-0.09099793434143066}],"sentiment":"neutral","sentiment_score":-0.09099793434143066,"channel":0,"num_words":1,"start":2656.87,"end":2657.37}]},"summary":{"result":"success","short":"Carol called Oaktree Financial to get advice on tax advantages and debt and retirement plans. The agent explains the process of putting money into a tax-efficient fund and setting up a pension account for retirement. They also discuss the process of transferring taxable income to a tax-efficient fund and setting up a retirement plan. The speaker explains the process of nominating a beneficiary for a death claim and discusses the use of a bring-forward to increase contributions and reduce tax on estate. They also mention health issues and plans for travel. The conversation ends with the customer thanking the agent and considering their points in a document."},"intents":{"segments":[{"text":"I can see here you booked into Larissa's calendar. I do apologize. We've had a bit of an admin error on our end. We've booked it in for 5PM Queensland time. However, Larissa may be available right now if you're still available for the appointment. I am now.","start_word":101,"end_word":148,"intents":[{"intent":"Schedule appointment","confidence_score":0.04115086}]},{"text":"And then I was wanting to get some advice on how to move forward because the balance I would like to put most of that into my super this is I would I'll be living off this Yeah.","start_word":420,"end_word":457,"intents":[{"intent":"Get advice on selling the house","confidence_score":0.12888369}]},{"text":"I also want to take a pension and maybe put some back so that I don't have that would might not pension, but take super out.","start_word":502,"end_word":527,"intents":[{"intent":"Take a pension","confidence_score":0.1153027}]},{"text":"Because I'm not able to get pension state pension yet. But I also don't want my kids to have to be taxed too much when I go Yep.","start_word":532,"end_word":559,"intents":[{"intent":"Avoid taxing kids","confidence_score":0.000035320758}]},{"text":"Your taxable income would go from 50,000 Yeah.","start_word":1434,"end_word":1441,"intents":[{"intent":"Explain tax benefits","confidence_score":0.012932692},{"intent":"Discuss tax savings","confidence_score":0.008991753}]},{"text":"which means you would only pay tax at the marginal rate on the 40,000, Yeah.","start_word":1447,"end_word":1461,"intents":[{"intent":"Clarify tax rates","confidence_score":0.047508862}]},{"text":"which means you would only pay tax at the marginal rate on the 40,000, Yeah. and your super fund would pay 15% tax on the 10,000 that you put in. Now it means that it's just tax effective. Yeah.","start_word":1447,"end_word":1485,"intents":[{"intent":"Explain tax exemptions","confidence_score":0.0016158618}]},{"text":"So it's called non concessional. Yeah.","start_word":1720,"end_word":1725,"intents":[{"intent":"Explain non concessional pricing","confidence_score":0.007098095},{"intent":"Explain non concessional pricing","confidence_score":0.12235039},{"intent":"Consider non concessional incomes","confidence_score":0.0000075963726}]},{"text":"Now there's a couple of different things we can do to get as much money into funds as possible, and and we could realistically probably put we could put all $330,000 into that fund in a tax free position And then I what?","start_word":1973,"end_word":2015,"intents":[{"intent":"Automate retirement funds","confidence_score":0.000056099012}]},{"text":"need to draw a pension in if I if I resign for the April, I'm gonna need money from April. Yeah.","start_word":2193,"end_word":2213,"intents":[{"intent":"Draw pension","confidence_score":0.13406278}]},{"text":"So if you don't necessarily know the income, I can start working on the figures as to how we put the money into the super fund after you sell the house, how we progress with putting that in in a tax effective position. And then from that, once we're tax effective, we've got the money in, we can just work on how much you need from a broad position Yeah.","start_word":2251,"end_word":2320,"intents":[{"intent":"Work on income","confidence_score":0.029417887}]},{"text":"But the the money is only gonna come in after I've resigned. So, you you know, the the sale will probably only go through in June. Because I'm going to South Africa for March. So I've got to then come back and sort the unit out so that it looks Yes. sellable.","start_word":2337,"end_word":2388,"intents":[{"intent":"Sort unit out","confidence_score":0.39197066}]},{"text":"you're you're wanting to you're wanting to retire in April Yeah.","start_word":2469,"end_word":2479,"intents":[{"intent":"Retirement","confidence_score":0.01837478}]},{"text":"The second is is the the retirement strategy. Now they don't have to work synonymously. They can work separately Yeah.","start_word":2561,"end_word":2580,"intents":[{"intent":"Plan retirement strategy","confidence_score":0.009950211}]},{"text":"Here are the payment details, and we pay the money into the account.","start_word":3077,"end_word":3089,"intents":[{"intent":"Calculate payment details","confidence_score":0.00027696267}]},{"text":"The superfund will convert those funds into taxable, and they will they'll pay the tax. Yeah.","start_word":3339,"end_word":3354,"intents":[{"intent":"Consolidate tax deductions","confidence_score":0.13163164}]},{"text":"And you go, well, how if I was to claim on my super fund as a contribute as a, you know, concessional contribution, how much could I claim to get it to a net zero or to be most tax effective? And your accountant can run the figure, and you can go through from that.","start_word":3517,"end_word":3571,"intents":[{"intent":"Calculate super fund amount","confidence_score":0.07093721}]},{"text":"In the superannuation fund, so for any kind of estate or debt claim, it depends on how you wanna pay. If you wanna pay directly to the kids, it pays quickest.","start_word":4187,"end_word":4217,"intents":[{"intent":"Assess superannuation fund's impact on homeowners","confidence_score":0.0000026983892}]},{"text":"Any So death claim oh, so yeah. so that's interesting. So if it's like a the binding nomination, can can that just mean it goes directly to the kids and it's not part of my state? Yes.","start_word":4245,"end_word":4281,"intents":[{"intent":"Inform about death claim benefits","confidence_score":0.00020605054}]},{"text":"But then what's the thing where and that will be only the money that in or is it all whatever is left in my super, they will be taxed on? Or the Just con what is taxable. So the money that so the 300,000 that we're gonna put in will yeah. go into the super fund and will be held tax free.","start_word":4551,"end_word":4612,"intents":[{"intent":"Collect tax data","confidence_score":0.00009337436}]},{"text":"So once I retire and the last lot of super goes into Australian super, the last contributions, I will then we can trigger moving that over as well. So once I tell you when I've retired, then so if I can be the March, that would be awesome.","start_word":5206,"end_word":5253,"intents":[{"intent":"Create retirement timeline","confidence_score":0.0006981752}]},{"text":"If you were to if you look at your budget right now, how much you earn each week, Yeah.","start_word":5680,"end_word":5698,"intents":[{"intent":"Ask about budget","confidence_score":0.021175692}]},{"text":"But but then then I will you other you fees add on that the fuel costs and you add on yeah. the campus.","start_word":5750,"end_word":5772,"intents":[{"intent":"Request a fee","confidence_score":0.0000023839439}]},{"text":"you also with your advising, are you also gonna then go if this is how much is coming in, this is how much it will last you if you take out I 15 sure will.","start_word":5897,"end_word":5931,"intents":[{"intent":"Confirm cost","confidence_score":0.0015454503}]},{"text":"Because what I will do is I will include the fact that from 67, pension's gonna hit and how much money will you have in your superannuation fund come '67, and Yeah.","start_word":5972,"end_word":6003,"intents":[{"intent":"Inquire about health benefits","confidence_score":0.0012486951}]},{"text":"what will you be eligible for from pension, and how is that gonna offset everything from there.","start_word":6003,"end_word":6019,"intents":[{"intent":"Ask about pension eligibility","confidence_score":0.0003357573}]},{"text":"And I will do a little bit of looking into to see if we can get a sneaky little bit of money from the from the government now. Yeah.","start_word":6035,"end_word":6063,"intents":[{"intent":"Determine readiness for financial future","confidence_score":3.0473586e-8}]},{"text":"We need a cafe hand person, could do. a waitress.","start_word":6283,"end_word":6292,"intents":[{"intent":"Suggest a new cafe hand to assist in the office","confidence_score":8.0453106e-8}]},{"text":"So what I will do is I I'm going to next week, get back to you and, Good. b, Yeah. you're then able to update me with anything that happened, I e, we go to contract or your employer comes back and says, no. You need to give us x amount of notice, and we're not willing for you to give us that notice until the April. Then it just gives me a timeline on when Yes.","start_word":6426,"end_word":6502,"intents":[{"intent":"Update schedule","confidence_score":0.012308251}]},{"text":"to my upline and just ask her what I am and and not able to do. Because they've got a plan for me not being there for the next three weeks anyway, Yep.","start_word":6596,"end_word":6628,"intents":[{"intent":"Ask about plan","confidence_score":0.0013267839}]},{"text":"Because they've got a plan for me not being there for the next three weeks anyway, Yep. so they may as well continue with that line, I guess. Perfect.","start_word":6612,"end_word":6640,"intents":[{"intent":"Discuss future plans","confidence_score":0.0016494984}]},{"text":"so they may as well continue with that line, I guess. Perfect.","start_word":6629,"end_word":6640,"intents":[{"intent":"Continue with line","confidence_score":0.11585603}]},{"text":"So when do you fly out to South Africa? on the Monday the second.","start_word":6706,"end_word":6719,"intents":[{"intent":"Schedule a visit","confidence_score":0.0011194472}]}]},"sentiments":{"segments":[{"text":"Thank you for calling Oaktree Financial.","start_word":0,"end_word":5,"sentiment":"positive","sentiment_score":0.4916312992572784},{"text":"You're speaking with Maddie. Maddie, hi. It's Carol Farrell. I'm just waiting for Larissa's call because I've got plans later. Not a problem at all. Let me just pull up your file. My apologies. Okay. Apologies, Carol. I'm just pulling this up. Before I go any further, I do just need to pass you through a quick security. Could I confirm Sure. your address and date of birth, please? Address, 6146 Albany Street, Point Frederick, New South Wales 2250, and my date of birth is 01/03/1966.","start_word":6,"end_word":91,"sentiment":"neutral","sentiment_score":0.028253234922885895},{"text":"Perfect. Thank you so much for that one.","start_word":92,"end_word":99,"sentiment":"positive","sentiment_score":0.6520037651062012},{"text":"Alrighty. I can see here you booked into Larissa's calendar. I do apologize. We've had a bit of an admin error on our end. We've booked it in for 5PM Queensland time. However, Larissa may be available right now if you're still available for the appointment. I am now. Yes. Yeah. Let me just pop you on a quick hold, and I'll see if she's available now. Okay? Okay. Welcome to Oakview Financial.","start_word":100,"end_word":172,"sentiment":"neutral","sentiment_score":0.03162350505590439},{"text":"At Oakview Financial, we use an innovative model of trust and long term holistic advice, revolutionizing the way financial planning is done. Our team is comprised of highly skilled, transparent financial experts, and our vision is to become the most trusted household name in financial planning throughout Australia. We thank you for your patience today and look forward to Hi, Carol.","start_word":173,"end_word":233,"sentiment":"positive","sentiment_score":0.3677370250225067},{"text":"How are you going?","start_word":234,"end_word":237,"sentiment":"neutral","sentiment_score":0.247361421585083},{"text":"I'm good. Thanks. That's good.","start_word":238,"end_word":242,"sentiment":"positive","sentiment_score":0.3644580841064453},{"text":"So sorry, doll. Booking got No. moved a couple of times, and I think we just they just forgot to consider the time difference at the same Yes. time. Yes. No. That's okay. So to I guess I guess just to start off, my name is Larissa. So I'm a licensed financial adviser. I'm the head of financial advice here at Oakview. And I guess what I ultimately wanna do and the whole point of the call is to to help you with any advice that you really need. So is there anything specific that you did want to touch on or talk about? Yes. I had said in my message in my email what it was about. I have just turned 60. I'm a home care worker, and it's I'm incredibly stressed by it, and I've decided I'm retiring in the next few months. I'm selling my unit, and I'm buying a van and Yep. expecting to probably walk away with 450 k from it, of which a 120 will probably go to the van. Yep. And then I was wanting to get some advice on how to move forward because the balance I would like to put most of that into my super this is I would I'll be living off this Yeah. for a while, but I think it'll be better off growing in my super than it would me trying to put it in the bank. Yes. And and I also wanna take advantage where I can of the caps and the Yep. tax advantages. I also want to take a pension and maybe put some back so that I don't have that would might not pension, but take super out. Oh, as a pension. Because I'm not able to get pension state pension yet. But I also don't want my kids to have to be taxed too much when I go Yep. with what's left. So, you know, I'm just asking how best to deal with this. If I can sell before the June, how much am I able to put in to this year and to next year? And is it a 15% tax coming in still? Yeah. Okay. A So lot. no. No. No. No.","start_word":243,"end_word":614,"sentiment":"neutral","sentiment_score":-0.0036018936324023433},{"text":"You are perfect. You are absolutely perfect. A, you just summarized a lifetime of notes in a three minute phone call, which is more than most people can do, and I absolutely love you for it. So that was fantastic.","start_word":615,"end_word":654,"sentiment":"positive","sentiment_score":0.5227528810501099},{"text":"You know what you want, and I'm Yes. not having to pull teeth.","start_word":655,"end_word":667,"sentiment":"neutral","sentiment_score":0.2196774035692215},{"text":"So this is beautiful.","start_word":668,"end_word":671,"sentiment":"positive","sentiment_score":0.6233948469161987},{"text":"Let's take it one step at a time. So we're selling the house. Do we have a debt on the house still? Yeah. $2.19. $2.09 0. Okay. So $2.09 0 debt, and you expect to walk away with $4.50 after Yes. all the debts are paid off.","start_word":672,"end_word":718,"sentiment":"neutral","sentiment_score":0.043193615893734265},{"text":"Fantastic. Yes. My Then state agent thinks he can get up to $7.","start_word":719,"end_word":731,"sentiment":"positive","sentiment_score":0.4017247855663299},{"text":"90 between $7.50 and $7.90. And then there's also the cost related to selling and everything else.","start_word":731,"end_word":747,"sentiment":"neutral","sentiment_score":0.16154813766479492},{"text":"100%. Perfect.","start_word":748,"end_word":749,"sentiment":"positive","sentiment_score":0.544147253036499},{"text":"So which gives us the $4.50. Van purchase is gonna be $1.20. So we're basically gonna walk away with about $3.30 in cash to be able to invest, live on, so on and so forth. Yes. Yeah. We wanna put we wanna put as much as possible as we can into super, Yeah.","start_word":750,"end_word":802,"sentiment":"neutral","sentiment_score":0.22883105278015137},{"text":"which is fantastic.","start_word":803,"end_word":805,"sentiment":"positive","sentiment_score":0.660047173500061},{"text":"So there's a couple of different avenues. First Yes. and foremost, you're 60. So when again, yep, as you know, not eligible for age pension at the moment, but we could still possibly look at getting some, like, unemployment benefit to kinda top up your income a little bit. But if I'm choosing not to work, can I still get unemployment? We can definitely still get some thing. It's not easy, but there are still things that we can do. Generally, they still require you to, like, apply for jobs and do stuff like that. But at your age, you could also get away with, like, volunteering as a way of working Okay. because you It's are over 60. that I am going to be in a van all over Australia. I did skip over that as a mental note, didn't I? Yes. So probably not what I'm saying. I'll look into it as a travel travel aspect, but I wanna see if we can get anything from Centrelink because, a, you've worked forever and you wanna get back what you've put in, Yes. and we don't wanna be taking away from the money that you've grown personally. So we wanna try and get something. Yes. Correct. There are tax advantages to putting money in super. Yes. It is 15%. Can I ask, what do you want to have to earn this financial year? It's not gonna even be 50. Okay. So about 50, but not quite. So under It'll be under because I've also got travel expenses and the depreciation on my car and stuff like that. 50. I'm just gonna Yep. sign list. Like, if I can, I want to stop working the latest, the April? Let me just find my case. I'm sorry. It's it's a tricky one because it's packaged because of home care work and non non not for profit. Yeah. So at the moment, my year to date, taxable is 24 and a half. Nontaxable is four and a half, and my tax is only $2.04. So on top of that, they'll probably be around 7 or 8,000 in expenses I can claim. So my tax bill last year was for the first year that I've done it, and I've got a refund for the first time in very, very long time. So I feel like I'll probably still get a bit of a tax refund. I'm not too sure how much, though. No. That's okay. So you have about 24 and a half thousand, you said, Yes. In taxable, 4 and a half in nontaxable, 4,000 in tax, and then you said seven to eight thousand that you can pay expenses. Okay. Yeah. That might also just be I'm just looking at that.","start_word":806,"end_word":1265,"sentiment":"neutral","sentiment_score":-0.029308759850328384},{"text":"Our company changed names in July or businesses in July, so I'm not sure if that's from first of I feel like they would have done it from July 1. So it's a very poorly paid job.","start_word":1266,"end_word":1302,"sentiment":"negative","sentiment_score":-0.40222325921058655},{"text":"No. That's okay. Definitely on track to further under 50. It sounds like we're probably on track from more than likely around the $40,000 mark by the time Yes. we Yeah. consider the expenses, which is okay. It just means that tax effectively, there's not gonna be a massive amount that we can put in for tax effectiveness. Okay. Because because how how contributions work in super, right, is that when we put money in super under, like, a salary sacrifice or a lump sum contribution strategy, you put Yes. money in. And once that money goes into the super fund, you are then removing money from your taxable income. So let's just say you did earn 50,000 for the year and we put in Yeah. 10,000 into your super fund. Your taxable income would go from 50,000 Yeah. Yeah. down to 40,000, Yeah. which means you would only pay tax at the marginal rate on the 40,000, Yeah. and your super fund would pay 15% tax on the 10,000 that you put in. Now it means that it's just tax effective. Yeah. Yeah. Now because marginal rates are they work in brackets, the first $18,200 that you earn is tax free. Yes. So it doesn't make sense to put if you earn $50,000, it doesn't make sense to put $50,000 in because then No. you'd be paying 15% On on the 18,000. Yeah. correct. On a on a Yep. tax free. So we Yep. could put as much in that would basically if you sell your if you sell your house, and this is all coming down to if you sell. You It sell will.","start_word":1303,"end_word":1578,"sentiment":"neutral","sentiment_score":0.08655039971505386},{"text":"your house that's fantastic. Yeah.","start_word":1579,"end_word":1583,"sentiment":"positive","sentiment_score":0.6352527737617493},{"text":"So when you sell your house, let's put it that way, when you sell your house, we could put in money. It always has to be within this financial year. We we we put money in to basically completely offset the income that you earn. So let's just say you do earn $40,000. We Yeah. would put we would basically put just over $20,000 in to basically bring you to only earning 18,200. So Yeah. you would pay no tax, and the rest of the money would go into your super fund. We would pay 15% tax, which is lower than the marginal rate that it would be associated with. We'd Yeah. pay 11% less in tax in your super fund. And then what we could do is we could then put money in after tax. So it's called non concessional. Yeah. Yes. And what that means is because the sale of your property is tax free earnings, so you don't take you won't pay tax. You won't pay capital gains tax on on your primary residence. That No. money could go in your super fund as well, and you won't you won't pay any tax in your super fund so that the super fund won't won't Because it that's where pay the the 15 from? cents? It's how you allocate the money. So Yeah. with with contributions, so from your employer or concessional, the money Yeah. that gets taxed within the super fund, there Yeah. are caps to to $30,000 a year. So Yeah. you can only put $3,000 within the fund within any given year Yeah. before you go over that cap and you pay more tax. Yeah. You pay more than the 15%. Okay. So really high income payments, they you know, if you're earning over the $300,000 a year, their employer is already putting over $30,000 in. So they get taxed at a higher rate in their super funds because of their high income. Yeah. And then tax free money, so, like, the same on it. And what happens is that money sits tax free.","start_word":1584,"end_word":1932,"sentiment":"neutral","sentiment_score":0.15060833754033962},{"text":"So that means that for your kids, from an estate planning point of view, that money is going to sit in a much better position for them in the event that something happens to you from a client's perspective.","start_word":1933,"end_word":1971,"sentiment":"positive","sentiment_score":0.4432426989078522},{"text":"Okay. Now there's a couple of different things we can do to get as much money into funds as possible, and and we could realistically probably put we could put all $330,000 into that fund in a tax free position And then I what? In one year or over in time? one year. In one year. But then I need to live because I'm not gonna have any income. So Yep. And then we can set up a pension account to have the money Yeah. come in and repeat you every month, every two weeks, Yeah. once a quarter, however you want the money to come to you. Okay. And then because you're fully retired, And then we can have it and come out then as is much that as you the want. 10% limit, though? It's 10% of whatever is in your fund. No. It won't be. So because you will be fully retired, you Yeah.","start_word":1972,"end_word":2128,"sentiment":"neutral","sentiment_score":0.08924909681081772},{"text":"won't be restricted to 10. You'll have full eligibility requirements, and you'll be able to access as much as you want.","start_word":2129,"end_word":2149,"sentiment":"positive","sentiment_score":0.3346002399921417},{"text":"Yeah. So brings Okay. up Not restricted a lot to 10 for percent. But that, I thought, was something I'd have to do because I you. was under under 67. Okay. So that my intention is to do that. I will probably Yeah. need to draw a pension in if I if I resign for the April, I'm gonna need money from April. Yeah. That's fine. So from April, you need to draw an income. And how much were you looking to actually draw? See, that's the tricky thing because I've got all the stuff to set up. So That's okay. So if you don't necessarily know the income, I can start working on the figures as to how we put the money into the super fund after you sell the house, how we progress with putting that in in a tax effective position. And then from that, once we're tax effective, we've got the money in, we can just work on how much you need from a broad position Yeah. Yeah. if But you don't the money quite know what that exactly looks like yet. no. But the the money is only gonna come in after I've resigned. So, you you know, the the sale will probably only go through in June. Because I'm going to South Africa for March. So I've got to then come back and sort the unit out so that it looks Yes. sellable. And then it's like it will sell quickly because the guy that sold it to me, he always within a week or two, his stuff's gone. Yep. Yes. So it's I'm gonna need money probably for April, May, June because I'm gonna still have a bit of a mortgage. I'm still gonna have my mortgage for April and May and some of June. And at the moment, like, I'd say probably 1,500 a week Okay. until So the sale through. you're you're wanting to you're wanting to retire in April Yeah. at the at the April? I wanted to have this conversation with you first. Otherwise, I Yeah.","start_word":2150,"end_word":2496,"sentiment":"neutral","sentiment_score":-0.014917657165774695},{"text":"don't know because I'm going away for March. I don't know if they're gonna expect me to then do four weeks or if they will let me resign at the February and finish, you know, on Easter Monday.","start_word":2497,"end_word":2534,"sentiment":"negative","sentiment_score":-0.42104512453079224},{"text":"Yeah. Look. I there there's there's two segments to this advice piece. Right? Yeah. The first is how do we get the money into the fund? The second is is the the retirement strategy. Now they don't have to work synonymously. They can work separately Yeah. Yes. because, obviously, putting the money in the fund is contingent on when the house sells. The pension is contingent on when you retire. Yeah. Yeah. So if you don't need I can start the research today. Yes. Yeah. So I can start the research today, and you I can send you an email, and you can just send me email updates. Hey. I spoke to my Yeah. employer. They're Yeah.","start_word":2535,"end_word":2651,"sentiment":"neutral","sentiment_score":0.07988130301237106},{"text":"happy for me to to end as of, you know, this date.","start_word":2652,"end_word":2663,"sentiment":"positive","sentiment_score":0.45313888788223267},{"text":"Yeah.","start_word":2664,"end_word":2664,"sentiment":"neutral","sentiment_score":0.31259599328041077},{"text":"And and I can base it on, well, Carol finishes on this date.","start_word":2665,"end_word":2677,"sentiment":"positive","sentiment_score":0.35655471682548523},{"text":"She's gonna need her first pension payment on this date. Yeah. And I can base it that. Second to that is, you know, keeping in touch with me and say, hey. My my house has gone under contract. Yeah. It settles on this date. I'm gonna have to cash in my account on this date. So that way I can work on cool from that date. We're gonna be able to put money in. Because Okay. if we go to pension phase first and then you put money in, I'm gonna have to do what's called a refresh. Because I'm gonna move 100% of your money over to a pension account.","start_word":2678,"end_word":2788,"sentiment":"neutral","sentiment_score":0.07220182567834854},{"text":"A pension account cannot receive income, so it can't receive contributions.","start_word":2789,"end_word":2799,"sentiment":"negative","sentiment_score":-0.4867707490921021},{"text":"So Okay. if we move to a pension account first, which is fine, I can do that, and then we sell our house and we try to contribute, I need to consider that in the advice documents so that way I'm able to set up a new super account, have the super have your the payment go into your super account, and then basically roll the pension account over and and close it, and then reset up the pension account with all of the money. Okay. So it's just it it just depends on how everything falls step by step process wise. I'm Alright. gonna assume based Question? on timeline, you're probably gonna retire before house Yes. No. Definitely return before because I need to fix things up, and I need to pack and sell and get rid of, sales. you know, Yeah. stuff. So but my question again is Yeah. when they do the settlement, does Yes. it is it helpful can they pay you directly instead of it coming into my account and me paying it to you? No. Can It it okay. has to go to you first. And Okay. what actually happens is your solicitor or your conveyancer will actually handle the will handle the sale. The Yeah. conveyancer will actually get paid. The conveyancer Yeah. will then pay off your mortgage, Yeah. and then you will get the remainder of the proceeds. Yeah. So that will happen and that those proceeds will get paid into your bank account. The day that Yeah.","start_word":2800,"end_word":3056,"sentiment":"neutral","sentiment_score":0.07732315286124262},{"text":"settles, you call me up and say, Larissa, I have the money, and I'll say, Carol, this is fantastic news.","start_word":3057,"end_word":3076,"sentiment":"positive","sentiment_score":0.349650502204895},{"text":"Here are the payment details, and we pay the money into the account. Okay. I'd have to go into the bank to do that because that's a big sum. They You won't will definitely have to go to the bank to do that. Yes. bank, so it won't be a problem. No. Okay. Okay. So all of that in my head, I just need to clarify. Sorry. No. Of course. The way you're talking now, I am not gonna be taxed at 15% on what I put in there. I wanna put some of it in. At 15 The percent. problem with that, I'm not gonna know what my taxable income is until my accounts are done because I have all those other expenses that my tax agent puts through for me as well. Correct. So I'm But what we in what we can do is we can actually put all $330,000 into the super fund. And yeah. then after you sit down with your tax agent and you start doing your tax return, you Yeah. can sit down to your tax agent and say, hey. I put $330,000 into my superannuation fund under a concessional contribution, and I wanna claim some of that.","start_word":3077,"end_word":3280,"sentiment":"neutral","sentiment_score":0.02506750898764414},{"text":"How much can I claim to make it the best tax effective position I can I can put it in? And Thank your tax you.","start_word":3281,"end_word":3305,"sentiment":"positive","sentiment_score":0.46684104204177856},{"text":"account your tax account will say, Carol, we can claim blah blah blah blah, and you will then have a form that you will fill out. We will submit to the super Yeah. The superfund will convert those funds into taxable, and they will they'll pay the tax. Yeah. And then you get to put that on your tax return and claim it as a deduction, Okay. and you walk away with a net zero tax tax It would be a little just a couple of brand because it's not gonna be much, outcome.","start_word":3306,"end_word":3399,"sentiment":"neutral","sentiment_score":0.20952793955802915},{"text":"but it'll be a nice It's it's hey. Money that you don't have to pay to the tax man is always nice. It's all always good.","start_word":3400,"end_word":3425,"sentiment":"positive","sentiment_score":0.5692946314811707},{"text":"Yep. Okay. We put we put all in on that non concessional, Confessional. The nonconfessional. yeah, non concessional ruling. And then we have twelve months from the end of the financial year to convert it. So somewhere between the 07/01/2026 and 06/30/2027, you just have to go and sit with your accountant somewhere within that twelve months. And Okay. so long as you sit with your accountant within that twelve months and you go, let's sit down and do our tax, then your accountant will say you owe this much. And you go, well, how if I was to claim on my super fund as a contribute as a, you know, concessional contribution, how much could I claim to get it to a net zero or to be most tax effective? And your accountant can run the figure, and you can go through from that. Because a 100%, you're correct. We're not gonna know the exact outcome of your of your tax return because you do have the nontaxable component, the expenses, everything else Yeah. until you actually sit down, until we get really close to the financial year, and we know exactly what it looks like. And you might find it is it might just be, like, a grand that you you claim as a as a, you know, concessional. It might be nothing. It might be nothing expenses that I had to pull you down into that net zero, Yeah. Yeah. but the option's there. Yeah. Okay. The again, back to Yeah. like, the amount that I give you will probably be around 300 because I'd like to keep a little nest egg out for emergencies and then yeah. Just have the nest egg just in case something happens and it's like I might need more money out. So if you say what we can run with is we are basing everything off you getting 330, at the Yeah. end of the day, you want to keep $30.40, $50,000 in cash. Whatever is remaining will go into the super fund. If you tell me how much you wanna keep, Yeah. Yeah. Yeah. Yeah. Yeah. Okay. we can base Well, everything else off. So do you wanna keep 30,000, or do you wanna keep I I yeah. I would probably just give you the 300 to 50?","start_word":3426,"end_word":3813,"sentiment":"neutral","sentiment_score":0.10192566702968066},{"text":"Cool. work with, and then whatever's left, I would then put it into a savings account that I say has fairly easy access to in a in the case of an emergency. Perfect. The good thing is because you're fully retired, if there was an emergency, you could always call me up and say, hey, Larissa. I need $10,000, and I can get that money to you, and it's Yeah.","start_word":3814,"end_word":3883,"sentiment":"positive","sentiment_score":0.4519428014755249},{"text":"But it but it might not get to me for a couple of days or whatever. not an issue. Yeah. It's a couple of days. Yeah. You know, can can be up to a couple of weeks. Yeah. It's Oh, okay. it's But then it I'm asking. Okay. yeah. But what I'm gonna do is I'm gonna have a look at your investments, and I'll make sure that I put you in something that maybe have a little bit more of a bucket strategy where we have a little bit of Yeah. available cash so we can Yeah. pull on some cash in an emergent need Yeah. and go from there. Okay? Okay. Yeah. I'm not I'm also 100% happy, but I have this conversation all the time with some of the new stuff.","start_word":3884,"end_word":4017,"sentiment":"neutral","sentiment_score":0.045949093997478485},{"text":"It's not moving well.","start_word":4018,"end_word":4021,"sentiment":"negative","sentiment_score":-0.4698563516139984},{"text":"I think he moved me into a a few or they're all ETFs now, I think. And I'm not sure. Like, I just it's fluctuating a lot. I am one of those people that checks every other day. So Yeah. It's always gonna fluctuate a bit. But I could definitely have a look over the investment. I also know that you have your, like, your Australian Superfund as well. What do we wanna do with that account? Now that we're I not gonna be working, do we need that insurance? feel well, it was to cover the mortgage, and I'm not gonna have the mortgage. But then, like, I don't the kids will have a van to sell and, you know, something critical happens. How like, if something happens to me, it is a binding nomination for my kids to share. How long does that take? Because I guess yeah. Like, if I died for them to get paid out, how long does that take? In the superannuation fund, so for any kind of estate or debt claim, it depends on how you wanna pay. If you wanna pay directly to the kids, it pays quickest. If you want it paid through your estate, so through your will, it'll take a little bit longer because they have to set a bank account up. Any So death claim oh, so yeah. so that's interesting. So if it's like a the binding nomination, can can that just mean it goes directly to the kids and it's not part of my state? Yes. Yeah. So with any with any superannuation fund, you can nominate either a direct person, a child is always, irrespective They've put of age, an 20 allowable one and benefit. 24. 21 and 24 now. Yeah. So they're always gonna be allowed to be a a a benefit, like a nomination. Yeah. Yeah. The only downside between a direct nomination and a a state nomination is that with a direct nomination, any taxable component of the fund will be taxed at 17% when Okay. paid to them versus through the the estate. So if it's paid to a bank account in the name of it it it the bank account would literally be the estate of Carol. When paid there, it only pays 15 Yeah. percent. They don't have the 2% Medicare levy. Oh, It's quicker to pay direct. I'd rather do the The direct. They wouldn't care. They'd yeah. rather The biggest so that they can the money sort quicker. out, you know, whatever. Yeah. The biggest downside Yes. to any kind of estate nominate like, a estate claim is you have to wait for the legal death benefit the death certificate first. That's the thing that Yes. takes the longest. The claim actually doesn't take that long. It's generally a couple of months once someone passes and is buried to get the government death certificate. Once the government death certificate arrives, it's pretty quick to get Yeah. a claim through. I've had claims come through within a couple of weeks for a death like a deceased estate. It's Yeah. just getting the paperwork altogether, really. Yeah. But then what's the thing where and that will be only the money that in or is it all whatever is left in my super, they will be taxed on? Or the Just con what is taxable. So the money that so the 300,000 that we're gonna put in will yeah. go into the super fund and will be held tax free. Okay. So currently so to, I guess, break it down for you, I'll just go over the tax taxation component. I do have a component that is not taxable be I think because it was moved from The UK to Australian Super, Yep. And there was an amount that I think Let's hold that way. So currently in your hub 24, you have a 100 like, a $109,000 that's being tax Yeah. free. Yes. And You that's then The UK. have yeah. Yeah. So that's tax free completely. And then you have 280 it's 183. I'm sounding I'm not gonna do with numbers. Yeah. That's 2 okay. 183,000 That would be taxable. that's taxable. So that's what they would pay tax on. Now what I would like to do is we put the $300,000 in, and then what we do from there is in a few years time, we do what's called a recontribution strategy. So we would convert some of the taxable component over to tax free, and we could Yeah. do that every three years. We could just keep converting money from taxable to tax free because you're retired and you're done working.","start_word":4022,"end_word":4806,"sentiment":"neutral","sentiment_score":-0.02294665523300505},{"text":"We could do that nicely.","start_word":4807,"end_word":4811,"sentiment":"positive","sentiment_score":0.47669848799705505},{"text":"And we could get You to the can't point where start we have you can't start doing it fairly soon. So there's limitations. So you know how under Yeah. Yeah. contributions, you can only put a 110,000 in sorry, Yeah. 120,000 in each year. 100 and Or 20. Yeah. Because that's that's what I saw somewhere. Yeah. yeah. So what you can do is you can use what's called a bring forward where you use three years. So you put $360,000 in. We're gonna put 300,000. We could basically put 300,000 in, then do a recontribution of 60,000 and and make like, use the full full amount of the cap that you have available, Okay.","start_word":4812,"end_word":4926,"sentiment":"neutral","sentiment_score":-0.0034722711728966756},{"text":"which is perfect. That's fine.","start_word":4927,"end_word":4931,"sentiment":"positive","sentiment_score":0.5854981541633606},{"text":"We then can't trigger that rule until we've used those three years. So if we use this financial year of 2627, Yeah. then it would be twenty seven, twenty eight, twenty eight, twenty nine. I So can't the next hear. time that we could do this would be the financial year '30. 2930. That sorry.","start_word":4932,"end_word":4986,"sentiment":"neutral","sentiment_score":0.001374638988636434},{"text":"That that was that's too far. It sounds so far away. That sounds so hard.","start_word":4987,"end_word":5001,"sentiment":"negative","sentiment_score":-0.4344731271266937},{"text":"I know. It's like that meme on Facebook where they say, you know, I love seventies music. I love the music back, you know, twenty years ago or thirty years ago, and I guess, no. That's actually fifty years Fifty ago. That's years me ago? Yeah. gets me every time because I'm like, oh my god. I can't This believe is the it opportunity. would yeah. Okay. I hear you on that. But so that would be part of our planning now. We would plan for it now, but it was something it'd be something that we'd execute Yeah. slowly over time. It's Yeah. not something that we could do in the immediate. We would basically I'd have triggers to basically execute that Yeah. in the financial years that we would we would be allowed to do it, and that would fall under you wanting to limit the tax on your estate. So I'd already Yeah. kind of started mentally preparing for that, but I absolutely love how many questions you have. Like, I could not even tell you how happy my total is today. I'm sorry. I think No. I'm Don't. I just need to make my it work in my head. Okay. So once I retire and the last lot of super goes into Australian super, the last contributions, I will then we can trigger moving that over as well. So once I tell you when I've retired, then so if I can be the March, that would be awesome. And then April so in May, we can move all of Australian super over. Yeah. I mean, what I would do is, basically, I would put in so in the advice, Yeah. and and and, again, this is me this is me spitballing before I sit down to really tear it apart because I'm I'm as much as this conversation does form basis for advice, when I sit down and I'm not thinking and talking, I'm amazing, but sometimes ideas come to you later on. Yes. I sit you can sit down and strategize a little bit more and and make sure that, obviously, anything that I'm wanting to trigger, any order that I'm wanting to trigger it in is best effective for you. Yeah. But what we would do is we would I would basically have, like, in the advice document something to the effect of when you retire, we're gonna close and roll over AustralianSuper. We will once that money arrives in your hub twenty four fund, we would trigger and set up a pension account paying $1,500 a week. As at, you know, the time that your house then sells, we will then do, say, a contribution of $300,000 into a brand new super fund. We will then do a refresh pension. Or once once we set up the super fund, we will then do the recontribution strategy. So do that extra $60,000 recon strategy. That way we use the full amount of that that cap. Yeah. We will then set up your reset up your pension account. And then what we will do is we will then, you know, in x amount of times at financial year's last, do another recontribution strategy, continuing Yeah. your income of $1,500 a week on from there. So I'll make sure that I obviously consider other aspects and other things that we can do, make sure that I'm anyway.","start_word":5002,"end_word":5572,"sentiment":"neutral","sentiment_score":0.08607201744034078},{"text":"And I think it's gonna pretty much be paid off perfectly.","start_word":5573,"end_word":5583,"sentiment":"positive","sentiment_score":0.4715547561645508},{"text":"It's just a matter of when each thing triggers, which is Yeah. fine. But if you're comfortable with $1,500 a week in income, if And you're that comfortable might might be able yeah. to bring it. I just don't know yet. Yeah. That's okay. Yeah. I think it it can always be something that you alright. Let's let's put it this way. It's not something you have to answer for me. It's something that you can email to me later. It's just this Yeah. is a question that's rhetorical and for you to Yeah. think about. If you were to if you look at your budget right now, how much you earn each week, Yeah. and you get rid of your mortgage out of that budget, how much And do you actually start live on? and starter. And And yeah. my starter is 1,400 a quarter for a very old block of units with no lift. Yeah. And your But electricity electricity, water, all of that. But but then then I will you other you fees add on that the fuel costs and you add on yeah. the campus. So it's what does your budget look like now, and what is It's your around budget gonna look like when you're yeah. Yeah. Because at the moment, it's what is it? It's probably about 1,200 a week now. traveling? Yep. So you're giving yourself a bit of a buffer, which is good. And Just at the and end they of the day, you they have can always to buy turn around yeah. You can always turn around, and you can call me after a few months and go, hey, yeah. Larissa.","start_word":5584,"end_word":5863,"sentiment":"neutral","sentiment_score":0.09142280114548548},{"text":"That's too much.","start_word":5864,"end_word":5866,"sentiment":"negative","sentiment_score":-0.5060577988624573},{"text":"I don't Yeah. need just 800.","start_word":5867,"end_word":5872,"sentiment":"neutral","sentiment_score":-0.2677946090698242},{"text":"I've got way too much money sitting here Yeah.","start_word":5873,"end_word":5881,"sentiment":"negative","sentiment_score":-0.3571438193321228},{"text":"in my bank And account. I'd rather it would say doing its job. Well, Yeah. you also with your advising, are you also gonna then go if this is how much is coming in, this is how much it will last you if you take out I 15 sure will. yes. Yeah. Yeah. The way you Yeah. got That'll yeah. That'll all form part of it. It and definitely and will. it'll basically say you're gonna have to kill yourself when you're 89 because that's when it's gone. No. Because what I will do is I will include the fact that from 67, pension's gonna hit and how much money will you have in your superannuation fund come '67, and Yeah. what will you be eligible for from pension, and how is that gonna offset everything from there. I will have it all stepped out and stepped down.","start_word":5882,"end_word":6029,"sentiment":"neutral","sentiment_score":-0.028301076523053484},{"text":"Thank you.","start_word":6030,"end_word":6031,"sentiment":"positive","sentiment_score":0.34476420283317566},{"text":"Okay. Oh, okay. And I will do a little bit of looking into to see if we can get a sneaky little bit of money from the from the government now. Yeah. Yeah. So I know I there are a couple of loopholes, but they're not fun. So it was just I depends know. on how Like, how I little am fun you're willing to have. with work and everything else, and it's definitely having an effect on my health, I think. But that's I'm not going there because it was a line of work I've chosen just in the last Yeah. few years because I'm, like, a bookkeeper, accountant, auditor, all of that stuff by trade back in the day. So that's why I've got all the questions. Yeah. I mean and, realistically, But if you want to, like, if when we run the figures, I don't think it's gonna be an issue. But if when we run the figures, you decide that maybe, you know, the money's not gonna last, so you wanna build up a little bit more of an f peg, you can always be a traveling bookkeeper. I know that accountants are always screaming out for good bookkeepers. So it's always Well, something I've done that. Yeah. I don't wanna do that anymore. I don't that wanna I've been trying to get out of this job for, you like, the last six months, and they don't want somebody my age. But I'm happy on my travels. We need a cafe hand person, could do. a waitress. Yeah. We this person to come and help us in the office for a short while. All of that? Yeah. Yeah. Just do, like, your common work. Yeah. So No. that's all. I don't know. Okay.","start_word":6032,"end_word":6328,"sentiment":"neutral","sentiment_score":-0.03484431736999088},{"text":"Perfect. So even if you're picking up little cash jobs here and there, you're happy to do that as well?","start_word":6329,"end_word":6348,"sentiment":"positive","sentiment_score":0.4391016960144043},{"text":"Yeah. Yeah. Okay. Alright. So what I'm gonna do today is I have back to back appointments for the rest of the afternoon Oh, and at sorry. some point have to go and get my kids. Oh my gosh. Do not. You called at the perfect time, to be honest. It I mean, I was trying to have lunch, but so fine. No.","start_word":6349,"end_word":6411,"sentiment":"neutral","sentiment_score":0.057628314942121506},{"text":"It it enabled me to breathe a little bit more this afternoon, is good.","start_word":6412,"end_word":6425,"sentiment":"positive","sentiment_score":0.4453558623790741},{"text":"So what I will do is I I'm going to next week, get back to you and, Good. b, Yeah. you're then able to update me with anything that happened, I e, we go to contract or your employer comes back and says, no. You need to give us x amount of notice, and we're not willing for you to give us that notice until the April. Then it just gives me a timeline on when Yes. we wanna do everything. But what I wanna Yes. do is I wanna have the advice document ready to go to issue issue to you by the oh, sorry. Hiccups. By the March end of January, March, April. Yeah. March. So I was Yeah. gonna say May. By the March April. So that way, we're good to go. Yeah. So even if your employer says no April, we just delay implementing it until that April time Yeah. No. No. That sounds good. I'll know more anyway because I will I will talk line. to my upline and just ask her what I am and and not able to do. Because they've got a plan for me not being there for the next three weeks anyway, Yep. so they may as well continue with that line, I guess. Perfect. Absolutely. Yeah. I just don't wanna put myself through this anymore. I'm just so done with it.","start_word":6426,"end_word":6657,"sentiment":"neutral","sentiment_score":0.016247831284999847},{"text":"So perfect.","start_word":6658,"end_word":6659,"sentiment":"positive","sentiment_score":0.365210473537445},{"text":"Thank you. And No. I'll Absolutely just can. I'll wait the second to the March 20. So if you send me stuff, I might not be able to do too much with it because I'll be using my dad's Wi Fi and stuff. That's And okay. So when do you fly out to South Africa? on the Monday the second. Yeah. To South Africa O to again two so I don't know what Wi Fi I'm gonna have there. okay. So South Africa I'm so sorry. It's the second till when? The twentieth. I'm back in Sorry. Australia on '20. the '20 Friday the twentieth.","start_word":6660,"end_word":6764,"sentiment":"neutral","sentiment_score":-0.015208067070870171},{"text":"Perfect. Amazing. I will get that out to you.","start_word":6765,"end_word":6773,"sentiment":"positive","sentiment_score":0.5732879042625427},{"text":"And we can, yes, we can have a chat when you're back. So I'll send Yeah. you an email. In worst case, you just communicate over Yeah. email if there's any changes or anything. Yeah. But It's I won't just it's an email, like, now Yes. just so that I've got it because then I can let you know what the deal is at least with the with, like, finishing work stuff. I guess that's the mode thing right now is that Yeah. Yeah. That's probably the the biggest point yeah. right now. Yeah. Absolutely.","start_word":6774,"end_word":6868,"sentiment":"neutral","sentiment_score":0.07088488340377808},{"text":"Alright. Thank you so so much.","start_word":6869,"end_word":6874,"sentiment":"positive","sentiment_score":0.5102358460426331},{"text":"No. Oh my gosh. No.","start_word":6875,"end_word":6879,"sentiment":"neutral","sentiment_score":0.07996489852666855},{"text":"Honestly, you're a pleasure. Any day. This is something I love sinking my teeth into, so I'm excited. Oh, good. And Oh, I'm good. excited Thank for you.","start_word":6880,"end_word":6907,"sentiment":"positive","sentiment_score":0.45819032192230225},{"text":"you. Oh, yes. Me too.","start_word":6908,"end_word":6912,"sentiment":"neutral","sentiment_score":0.19959656894207},{"text":"And Amazing. Perfect.","start_word":6913,"end_word":6915,"sentiment":"positive","sentiment_score":0.5181529521942139},{"text":"Well, if I don't talk to you beforehand, have the absolutely most amazing time in South six. Africa. And otherwise, I'm just gonna start tearing everything apart and having a look at everything. The one thing I will need is I'm going to do you have a printer at all? I do. But it's so touching though because it's weird. The Wi Fi doesn't work very No. well. That's okay. What I'll do is I'm gonna post out what's called an authority form so I can Yes. send it to AustralianSuper to get the research that I need Australian Super. I'll have a look to see whether the authority we currently have in place is still valid. But if it's not, I'll I'll post that out. If it is, I think I'll it put in should the be. email. I think it should be. I think I did it only in November or December or Perfect. Well, I'll I'll have a I look and make sure think that it yeah. is. And and yeah. And I'll I'll grab the information I need from there just so I can consider the balance and stuff like that Yeah. coming over. Because what I've I've got on my to do list is as soon as I know I can retire, I'll cancel the TPD for that. And once the unit's sold, I'll cancel the insurance life insurance, and then I Yeah. can move it when my last payment goes in. Oh, I'll tell you. And then you you can move it for the move Yes. it over to your side. Yeah.","start_word":6916,"end_word":7183,"sentiment":"neutral","sentiment_score":0.02377052466148761},{"text":"Absolutely.","start_word":7184,"end_word":7184,"sentiment":"positive","sentiment_score":0.40312033891677856},{"text":"Alright. No. Okay. And I will I will consider those points in the document as well.","start_word":7185,"end_word":7200,"sentiment":"neutral","sentiment_score":0.14822126924991608},{"text":"Yeah. Thank you.","start_word":7201,"end_word":7203,"sentiment":"positive","sentiment_score":0.5214824080467224},{"text":"Alright.","start_word":7204,"end_word":7204,"sentiment":"neutral","sentiment_score":0.3168866038322449},{"text":"Okay. Thank you, Erisa. Bye.","start_word":7205,"end_word":7209,"sentiment":"positive","sentiment_score":0.5546044111251831}],"average":{"sentiment":"neutral","sentiment_score":0.05951276808925477}}}}