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How are you? I'm very well. Thank you. How can I help you? Yes. Not it's you absolutely can. So let me just pull up your file for you and have a look at what your contributions were for this year so far. Essentially, the way the way the best way to go about it, depending on what you're comfortable with, is you can just make that contribution direct to Hub twenty four so I can send you the information. Once you do deposit those funds in Hub twenty four, are you wanting to claim the notice of intent for that one? Yeah. Perfect. So you just let me know once the contribution's being made. I'll check that it goes into the account for you, and then we can claim that notice of intent for you nice and easy. So alright. So total contributions for this financial year, you've made '19 thousand $5.58 and 57¢ there. I'm just gonna have a quick look at the contributions because I wanna see if there's another one that's supposed to have gone in this month at all just to see. Yay. You're right. So it looks like they go in twenty ninth and fifth, the fifth and fifth. It looks like they go in every fortnight. So that one was made on the twenty ninth of the fifth, and then the other one before that was the twenty fifth of the fifth. It doesn't really kind of every week. And then the fifteenth. Yeah. So it looks like they go in kind of every week. Yeah. So BHP are putting them in weekly for you by the looks of things, which is fine. If we account for the next few, they're all very much the same. So $1.97 58. $1.97 and 58¢. We would be expecting on average the last one was the fifth, so last week. One, two, three, maybe four more contributions depending on when they put the last one in for June because the the financial year kinda runs out on a Wednesday. So depending on what day they put your last one in, but that will account for four just to keep it on the safe side for you. 58 by four. So you should be expecting, hopefully, about another $790.32 to go in. So then if I just. Sorry. My computer's thinking about going back to the other screen. I do apologize, Scott. How's everything been going? I know Lisa said that you'd dropped an hour back and yeah. Yeah. Yeah. Absolutely. I did yeah. No. That's definitely fine. I know speaking to Lisa last time, she wanted to do another catch up with the two of you and reassess all the advice as a whole, which is absolutely fine. So when you are ready to do that, let me know, and I can book you both in for a really good conversation. We'll reassess everything and go back the drawing board and update all the advice for you as both as well. Easy. So we've got 30,000. That brings us up to $20,003.48 and 89¢ approximately, which gives us a cap space of approximately $9,651.11. Now If you go over it, it's taxed at the highest marginal tax rate minus the offset for the the tax that's put into it. So it's really best not to kind of go over that. Yeah. The other thing is yeah. Correct. Correct. Your belt it does. Yeah. So, I mean, $9.05 still gives you that extra. So that's minus 9,500. It's still giving us an extra $151. And I've accounted for yeah. With the with the extra contributions going in, that's 790. I kinda factored in four weeks, not so much three, because they may only put the next three, which gives you a bit of space, but they may also put in the extra. Unfortunately, because your balance is over 600,000, it's over that $500,000 mark, it looks like you probably don't have access to any catch up contribution, but you could always check your MyGov account to see if they allow you, see if it was under 500 last financial year. I might even be able to quickly go back to them and see what that was. I have a feeling it was yeah. I'll go back to balance as of June. Yeah. Yeah. Yep. So just just the one with the voluntary, it goes Yeah. Sorry? Yeah. Yeah. Into the voluntary. Yeah. Yeah. Absolutely. Do you still have my email? Do you want me to send you an email now? Yep. Beautiful. That way you Yeah. Yeah. That's absolutely fine. Not a problem at all. So I'll just send an email. Now that way you've got it, just let me know once it's gone in. We'll double check it. And as soon as we see that arrive, we'll be able to do that deductible contribution there for you. It's not a problem at all. Okay? Easy. My pleasure. I hope you have a good day. If there's anything else you need, don't ever hesitate. Thanks, Scott. Talk soon. See you later. 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John. I'm good. How are you? Yeah. Yeah.\n\nThat's absolutely fine. Send him through. Got him here in front of me. Perfect. Okay.\n\nNo worries at all. Thanks. Bye. Hey, Scott. Listen.\n\nHow are you? I'm very well. Thank you. How can I help you? Yes.\n\nNot it's you absolutely can. So let me just pull up your file for you and have a look at what your contributions were for this year so far. Essentially, the way the way the best way to go about it, depending on what you're comfortable with, is you can just make that contribution direct to Hub twenty four so I can send you the information. Once you do deposit those funds in Hub twenty four, are you wanting to claim the notice of intent for that one? Yeah.\n\nPerfect. So you just let me know once the contribution's being made. I'll check that it goes into the account for you, and then we can claim that notice of intent for you nice and easy. So alright. So total contributions for this financial year, you've made '19 thousand $5.58 and 57¢ there.\n\nI'm just gonna have a quick look at the contributions because I wanna see if there's another one that's supposed to have gone in this month at all just to see. Yay. You're right. So it looks like they go in twenty ninth and fifth, the fifth and fifth. It looks like they go in every fortnight.\n\nSo that one was made on the twenty ninth of the fifth, and then the other one before that was the twenty fifth of the fifth. It doesn't really kind of every week. And then the fifteenth. Yeah. So it looks like they go in kind of every week.\n\nYeah. So BHP are putting them in weekly for you by the looks of things, which is fine. If we account for the next few, they're all very much the same. So $1.97 58. $1.97 and 58¢.\n\nWe would be expecting on average the last one was the fifth, so last week. One, two, three, maybe four more contributions depending on when they put the last one in for June because the the financial year kinda runs out on a Wednesday. So depending on what day they put your last one in, but that will account for four just to keep it on the safe side for you. 58 by four. So you should be expecting, hopefully, about another $790.32 to go in.\n\nSo then if I just. Sorry. My computer's thinking about going back to the other screen. I do apologize, Scott. How's everything been going?\n\nI know Lisa said that you'd dropped an hour back and yeah. Yeah. Yeah. Absolutely. I did yeah.\n\nNo. That's definitely fine. I know speaking to Lisa last time, she wanted to do another catch up with the two of you and reassess all the advice as a whole, which is absolutely fine. So when you are ready to do that, let me know, and I can book you both in for a really good conversation. We'll reassess everything and go back the drawing board and update all the advice for you as both as well.\n\nEasy. So we've got 30,000. That brings us up to $20,003.48 and 89¢ approximately, which gives us a cap space of approximately $9,651.11. Now If you go over it, it's taxed at the highest marginal tax rate minus the offset for the the tax that's put into it. So it's really best not to kind of go over that.\n\nYeah. The other thing is yeah. Correct. Correct. Your belt it does.\n\nYeah. So, I mean, $9.05 still gives you that extra. So that's minus 9,500. It's still giving us an extra $151. And I've accounted for yeah.\n\nWith the with the extra contributions going in, that's 790. I kinda factored in four weeks, not so much three, because they may only put the next three, which gives you a bit of space, but they may also put in the extra. Unfortunately, because your balance is over 600,000, it's over that $500,000 mark, it looks like you probably don't have access to any catch up contribution, but you could always check your MyGov account to see if they allow you, see if it was under 500 last financial year. I might even be able to quickly go back to them and see what that was. I have a feeling it was yeah.\n\nI'll go back to balance as of June. Yeah. Yeah. Yep. So just just the one with the voluntary, it goes Yeah.\n\nSorry? Yeah. Yeah. Into the voluntary. Yeah.\n\nYeah. Absolutely. Do you still have my email? Do you want me to send you an email now? Yep.\n\nBeautiful. That way you Yeah. Yeah. That's absolutely fine. Not a problem at all.\n\nSo I'll just send an email. Now that way you've got it, just let me know once it's gone in. We'll double check it. And as soon as we see that arrive, we'll be able to do that deductible contribution there for you. It's not a problem at all.\n\nOkay? Easy. My pleasure. I hope you have a good day. If there's anything else you need, don't ever hesitate.\n\nThanks, Scott. Talk soon. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hey, John.","start":1.4399999,"end":2.26,"sentiment":"neutral","sentiment_score":0.12779411673545837},{"text":"I'm good.","start":4.7999997,"end":5.3599997,"sentiment":"positive","sentiment_score":0.6173375248908997},{"text":"How are you?","start":5.3599997,"end":6.18,"sentiment":"positive","sentiment_score":0.4017465313275655},{"text":"Yeah.","start":19.985,"end":20.385,"sentiment":"neutral","sentiment_score":0.15722684562206268},{"text":"Yeah.","start":20.385,"end":20.785,"sentiment":"neutral","sentiment_score":0.2959325313568115}],"sentiment":"positive","sentiment_score":0.3498513615793652,"num_words":9,"start":1.4399999,"end":20.785},{"sentences":[{"text":"That's absolutely fine.","start":20.785,"end":21.904999,"sentiment":"positive","sentiment_score":0.5906640489896139},{"text":"Send him through.","start":21.904999,"end":22.965,"sentiment":"neutral","sentiment_score":0.31728385388851166},{"text":"Got him here in front of me.","start":23.025,"end":24.485,"sentiment":"neutral","sentiment_score":0.20730857125350408},{"text":"Perfect.","start":24.705,"end":25.205,"sentiment":"positive","sentiment_score":0.6021667718887329},{"text":"Okay.","start":27.185,"end":27.585,"sentiment":"neutral","sentiment_score":0.24411988258361816}],"sentiment":"positive","sentiment_score":0.33475269079208375,"num_words":15,"start":20.785,"end":27.585},{"sentences":[{"text":"No worries at all.","start":27.585,"end":28.805,"sentiment":"neutral","sentiment_score":0.2813729979097843},{"text":"Thanks.","start":30.4,"end":30.72,"sentiment":"positive","sentiment_score":0.5951254367828369},{"text":"Bye.","start":30.72,"end":31.22,"sentiment":"neutral","sentiment_score":0.3249496817588806},{"text":"Hey, Scott.","start":32.96,"end":33.6,"sentiment":"neutral","sentiment_score":0.19510283321142197},{"text":"Listen.","start":33.6,"end":33.92,"sentiment":"neutral","sentiment_score":0.16950494050979614}],"sentiment":"neutral","sentiment_score":0.28947530190149945,"num_words":9,"start":27.585,"end":33.92},{"sentences":[{"text":"How are you?","start":33.92,"end":34.9,"sentiment":"neutral","sentiment_score":0.18394031127293906},{"text":"I'm very well.","start":37.6,"end":38.48,"sentiment":"positive","sentiment_score":0.6413128773371378},{"text":"Thank you.","start":38.48,"end":38.879997,"sentiment":"positive","sentiment_score":0.7047737240791321},{"text":"How can I help you?","start":38.879997,"end":40.1,"sentiment":"positive","sentiment_score":0.3442023158073425},{"text":"Yes.","start":49.815,"end":50.315,"sentiment":"neutral","sentiment_score":0.0751802921295166}],"sentiment":"positive","sentiment_score":0.4058213489396231,"num_words":14,"start":33.92,"end":50.315},{"sentences":[{"text":"Not it's you absolutely can.","start":50.535,"end":54.055,"sentiment":"neutral","sentiment_score":0.2255418248474598},{"text":"So let me just pull up your file for you and have a look at what your contributions were for this year so far.","start":54.055,"end":60.54,"sentiment":"neutral","sentiment_score":0.14672647758076587},{"text":"Essentially, the way the way the best way to go about it, depending on what you're comfortable with, is you can just make that contribution direct to Hub twenty four so I can send you the information.","start":61.64,"end":71.659996,"sentiment":"neutral","sentiment_score":0.1658291613330712},{"text":"Once you do deposit those funds in Hub twenty four, are you wanting to claim the notice of intent for that one?","start":72.985,"end":78.685005,"sentiment":"neutral","sentiment_score":0.08997252363372933},{"text":"Yeah.","start":79.625,"end":80.025,"sentiment":"neutral","sentiment_score":0.2469858676195145}],"sentiment":"neutral","sentiment_score":0.14619331396697613,"num_words":89,"start":50.535,"end":80.025},{"sentences":[{"text":"Perfect.","start":80.025,"end":80.505005,"sentiment":"positive","sentiment_score":0.5154393315315247},{"text":"So you just let me know once the contribution's being made.","start":80.505005,"end":83.245,"sentiment":"neutral","sentiment_score":0.18210845508358695},{"text":"I'll check that it goes into the account for you, and then we can claim that notice of intent for you nice and easy.","start":83.625,"end":89.99,"sentiment":"neutral","sentiment_score":0.2625565615793069},{"text":"So alright.","start":90.77,"end":93.09,"sentiment":"neutral","sentiment_score":0.07507967576384544},{"text":"So total contributions for this financial year, you've made '19 thousand $5.58 and 57¢ there.","start":93.09,"end":101.35,"sentiment":"neutral","sentiment_score":0.0090229591753866}],"sentiment":"neutral","sentiment_score":0.1749321268334125,"num_words":53,"start":80.025,"end":101.35},{"sentences":[{"text":"I'm just gonna have a quick look at the contributions because I wanna see if there's another one that's supposed to have gone in this month at all just to see.","start":102.564995,"end":113.465,"sentiment":"neutral","sentiment_score":0.023937660419652538},{"text":"Yay.","start":115.19,"end":115.69,"sentiment":"positive","sentiment_score":0.5015131831169128},{"text":"You're right.","start":116.310005,"end":117.21,"sentiment":"neutral","sentiment_score":0.1760038398206234},{"text":"So it looks like they go in twenty ninth and fifth, the fifth and fifth.","start":119.43,"end":123.75,"sentiment":"neutral","sentiment_score":0.10556356261173884},{"text":"It looks like they go in every fortnight.","start":123.75,"end":125.53,"sentiment":"neutral","sentiment_score":0.11373836733400822}],"sentiment":"neutral","sentiment_score":0.07173594234413222,"num_words":57,"start":102.564995,"end":125.53},{"sentences":[{"text":"So that one was made on the twenty ninth of the fifth, and then the other one before that was the twenty fifth of the fifth.","start":132.755,"end":140.375,"sentiment":"neutral","sentiment_score":0.0556570808044993},{"text":"It doesn't really kind of every week.","start":143.87,"end":146.45,"sentiment":"neutral","sentiment_score":-0.08716302045754024},{"text":"And then the fifteenth.","start":146.90999,"end":147.97,"sentiment":"neutral","sentiment_score":0.012225888669490814},{"text":"Yeah.","start":148.83,"end":149.06999,"sentiment":"neutral","sentiment_score":0.03925841301679611},{"text":"So it looks like they go in kind of every week.","start":149.06999,"end":151.73,"sentiment":"neutral","sentiment_score":0.013013283383439888}],"sentiment":"neutral","sentiment_score":0.021801041686261187,"num_words":49,"start":132.755,"end":151.73},{"sentences":[{"text":"Yeah.","start":151.87,"end":152.19,"sentiment":"neutral","sentiment_score":0.11119931936264038},{"text":"So BHP are putting them in weekly for you by the looks of things, which is fine.","start":152.19,"end":156.53,"sentiment":"neutral","sentiment_score":0.30745568959152},{"text":"If we account for the next few, they're all very much the same.","start":157.715,"end":163.575,"sentiment":"neutral","sentiment_score":0.21573408865011656},{"text":"So $1.97 58.","start":164.11499,"end":167.495,"sentiment":"neutral","sentiment_score":0.09107433756192525},{"text":"$1.97 and 58¢.","start":168.11499,"end":170.62999,"sentiment":"neutral","sentiment_score":0.06825708597898483}],"sentiment":"neutral","sentiment_score":0.23756184387538168,"num_words":37,"start":151.87,"end":170.62999},{"sentences":[{"text":"We would be expecting on average the last one was the fifth, so last week.","start":171.56999,"end":178.46999,"sentiment":"neutral","sentiment_score":0.10666351343194644},{"text":"One, two, three, maybe four more contributions depending on when they put the last one in for June because the the financial year kinda runs out on a Wednesday.","start":178.60999,"end":189.565,"sentiment":"neutral","sentiment_score":0.07232121776404052},{"text":"So depending on what day they put your last one in, but that will account for four just to keep it on the safe side for you.","start":189.86499,"end":198.345,"sentiment":"neutral","sentiment_score":0.12574546163280806},{"text":"58 by four.","start":198.345,"end":200.16,"sentiment":"neutral","sentiment_score":0.0847992201646169},{"text":"So you should be expecting, hopefully, about another $790.32 to go in.","start":200.16,"end":206.34,"sentiment":"neutral","sentiment_score":0.13555124029517174}],"sentiment":"neutral","sentiment_score":0.10434195377625698,"num_words":86,"start":171.56999,"end":206.34},{"sentences":[{"text":"So then if I just.","start":208.4,"end":209.7,"sentiment":"neutral","sentiment_score":-0.024208181351423264},{"text":"Sorry.","start":215.13501,"end":215.455,"sentiment":"neutral","sentiment_score":-0.13996809720993042},{"text":"My computer's thinking about going back to the other screen.","start":215.455,"end":218.015,"sentiment":"neutral","sentiment_score":-0.11056954264640809},{"text":"I do apologize, Scott.","start":218.015,"end":219.395,"sentiment":"neutral","sentiment_score":-0.02027598489075899},{"text":"How's everything been going?","start":221.375,"end":222.735,"sentiment":"neutral","sentiment_score":0.10809292364865541}],"sentiment":"neutral","sentiment_score":-0.04230986147498091,"num_words":24,"start":208.4,"end":222.735},{"sentences":[{"text":"I know Lisa said that you'd dropped an hour back and yeah.","start":222.735,"end":233.81,"sentiment":"neutral","sentiment_score":-0.030896297966440518},{"text":"Yeah.","start":240.03,"end":240.53,"sentiment":"neutral","sentiment_score":0.09138926863670348},{"text":"Yeah.","start":249.565,"end":249.965,"sentiment":"neutral","sentiment_score":0.22015294432640076},{"text":"Absolutely.","start":249.965,"end":250.465,"sentiment":"neutral","sentiment_score":0.14114490151405334},{"text":"I did yeah.","start":250.845,"end":254.205,"sentiment":"neutral","sentiment_score":-0.0659811832010746}],"sentiment":"neutral","sentiment_score":-0.006445111706852913,"num_words":18,"start":222.735,"end":254.205},{"sentences":[{"text":"No.","start":254.205,"end":254.44499,"sentiment":"neutral","sentiment_score":-0.03725012391805649},{"text":"That's definitely fine.","start":254.44499,"end":255.325,"sentiment":"positive","sentiment_score":0.7131496667861938},{"text":"I know speaking to Lisa last time, she wanted to do another catch up with the two of you and reassess all the advice as a whole, which is absolutely fine.","start":255.325,"end":265.1,"sentiment":"neutral","sentiment_score":0.2845504884758303},{"text":"So when you are ready to do that, let me know, and I can book you both in for a really good conversation.","start":265.1,"end":270.47998,"sentiment":"positive","sentiment_score":0.43921906792599225},{"text":"We'll reassess everything and go back the drawing board and update all the advice for you as both as well.","start":270.54,"end":276.055,"sentiment":"neutral","sentiment_score":0.3250589922070503}],"sentiment":"positive","sentiment_score":0.35290362084141147,"num_words":78,"start":254.205,"end":276.055},{"sentences":[{"text":"Easy.","start":276.355,"end":276.855,"sentiment":"neutral","sentiment_score":0.327269047498703},{"text":"So we've got 30,000.","start":278.755,"end":280.455,"sentiment":"neutral","sentiment_score":0.17419378086924553},{"text":"That brings us up to $20,003.48 and 89¢ approximately, which gives us a cap space of approximately $9,651.11.","start":280.835,"end":293.38998,"sentiment":"neutral","sentiment_score":0.12816976712030523},{"text":"Now If you go over it, it's taxed at the highest marginal tax rate minus the offset for the the tax that's put into it.","start":293.77,"end":307.715,"sentiment":"neutral","sentiment_score":-0.034279159270226955},{"text":"So it's really best not to kind of go over that.","start":307.715,"end":311.41498,"sentiment":"neutral","sentiment_score":0.0024249148978428407}],"sentiment":"neutral","sentiment_score":0.040907332657611574,"num_words":59,"start":276.355,"end":311.41498},{"sentences":[{"text":"Yeah.","start":311.555,"end":312.055,"sentiment":"neutral","sentiment_score":0.04150393605232239},{"text":"The other thing is yeah.","start":313.87,"end":316.44998,"sentiment":"neutral","sentiment_score":-0.06354783475399017},{"text":"Correct.","start":316.50998,"end":317.00998,"sentiment":"neutral","sentiment_score":0.03835658356547356},{"text":"Correct.","start":317.22998,"end":317.72998,"sentiment":"neutral","sentiment_score":0.022028237581253052},{"text":"Your belt it does.","start":320.27,"end":324.93,"sentiment":"neutral","sentiment_score":0.04873953014612198}],"sentiment":"neutral","sentiment_score":-0.0017410246655344963,"num_words":12,"start":311.555,"end":324.93},{"sentences":[{"text":"Yeah.","start":325.325,"end":325.805,"sentiment":"neutral","sentiment_score":0.06518743187189102},{"text":"So, I mean, $9.05 still gives you that extra.","start":325.805,"end":328.605,"sentiment":"neutral","sentiment_score":0.07013876570595635},{"text":"So that's minus 9,500.","start":328.605,"end":331.345,"sentiment":"neutral","sentiment_score":0.05951421149075031},{"text":"It's still giving us an extra $151.","start":332.445,"end":335.265,"sentiment":"neutral","sentiment_score":0.08029688628656524},{"text":"And I've accounted for yeah.","start":335.64502,"end":338.045,"sentiment":"neutral","sentiment_score":0.0016585297882556916}],"sentiment":"neutral","sentiment_score":0.05787938546675902,"num_words":26,"start":325.325,"end":338.045},{"sentences":[{"text":"With the with the extra contributions going in, that's 790.","start":338.045,"end":342.28,"sentiment":"neutral","sentiment_score":0.050026822835206985},{"text":"I kinda factored in four weeks, not so much three, because they may only put the next three, which gives you a bit of space, but they may also put in the extra.","start":342.28,"end":351.5,"sentiment":"neutral","sentiment_score":-0.01777747877393708},{"text":"Unfortunately, because your balance is over 600,000, it's over that $500,000 mark, it looks like you probably don't have access to any catch up contribution, but you could always check your MyGov account to see if they allow you, see if it was under 500 last financial year.","start":351.85498,"end":366.93,"sentiment":"neutral","sentiment_score":-0.18395569185183072},{"text":"I might even be able to quickly go back to them and see what that was.","start":366.99,"end":371.33,"sentiment":"neutral","sentiment_score":0.19570466876029968},{"text":"I have a feeling it was yeah.","start":374.91,"end":377.33,"sentiment":"neutral","sentiment_score":-0.039137031084724834}],"sentiment":"neutral","sentiment_score":-0.053148651732491295,"num_words":114,"start":338.045,"end":377.33},{"sentences":[{"text":"I'll go back to balance as of June.","start":379.385,"end":383.245,"sentiment":"neutral","sentiment_score":0.05913232685998082},{"text":"Yeah.","start":385.465,"end":385.965,"sentiment":"neutral","sentiment_score":0.14613869786262512},{"text":"Yeah.","start":388.98502,"end":389.48502,"sentiment":"neutral","sentiment_score":0.11555370688438416},{"text":"Yep.","start":395.39,"end":395.71,"sentiment":"neutral","sentiment_score":0.09129952639341354},{"text":"So just just the one with the voluntary, it goes Yeah.","start":395.71,"end":399.95,"sentiment":"neutral","sentiment_score":0.027392777952958237}],"sentiment":"neutral","sentiment_score":0.051244141068309546,"num_words":22,"start":379.385,"end":399.95},{"sentences":[{"text":"Sorry?","start":399.95,"end":400.45,"sentiment":"neutral","sentiment_score":0.002781015820801258},{"text":"Yeah.","start":401.39,"end":401.71,"sentiment":"neutral","sentiment_score":-0.004758493509143591},{"text":"Yeah.","start":401.71,"end":401.95,"sentiment":"neutral","sentiment_score":-0.0004756217822432518},{"text":"Into the voluntary.","start":401.95,"end":402.85,"sentiment":"neutral","sentiment_score":0.021415519528090954},{"text":"Yeah.","start":403.63,"end":403.95,"sentiment":"neutral","sentiment_score":0.07325892895460129}],"sentiment":"neutral","sentiment_score":0.019293198295469795,"num_words":7,"start":399.95,"end":403.95},{"sentences":[{"text":"Yeah.","start":403.95,"end":404.35,"sentiment":"neutral","sentiment_score":0.07960724085569382},{"text":"Absolutely.","start":404.35,"end":404.85,"sentiment":"neutral","sentiment_score":0.1097225472331047},{"text":"Do you still have my email?","start":411.895,"end":413.41498,"sentiment":"neutral","sentiment_score":0.015995349114139874},{"text":"Do you want me to send you an email now?","start":413.41498,"end":415.35498,"sentiment":"neutral","sentiment_score":0.015857699699699877},{"text":"Yep.","start":416.85498,"end":417.335,"sentiment":"neutral","sentiment_score":0.14049145579338074}],"sentiment":"neutral","sentiment_score":0.030756333450737753,"num_words":19,"start":403.95,"end":417.335},{"sentences":[{"text":"Beautiful.","start":417.335,"end":417.735,"sentiment":"neutral","sentiment_score":0.28376874327659607},{"text":"That way you Yeah.","start":417.735,"end":419.51498,"sentiment":"neutral","sentiment_score":0.1243482455611229},{"text":"Yeah.","start":422.66,"end":422.98,"sentiment":"neutral","sentiment_score":0.1751406490802765},{"text":"That's absolutely fine.","start":422.98,"end":424.5,"sentiment":"neutral","sentiment_score":0.31966719031333923},{"text":"Not a problem at all.","start":424.5,"end":425.46,"sentiment":"neutral","sentiment_score":0.31158181428909304}],"sentiment":"neutral","sentiment_score":0.24808664407048905,"num_words":14,"start":417.335,"end":425.46},{"sentences":[{"text":"So I'll just send an email.","start":425.46,"end":426.5,"sentiment":"neutral","sentiment_score":0.22494049121936163},{"text":"Now that way you've got it, just let me know once it's gone in.","start":426.5,"end":429.08,"sentiment":"neutral","sentiment_score":0.2488093993493489},{"text":"We'll double check it.","start":429.13998,"end":430.1,"sentiment":"neutral","sentiment_score":0.23292794078588486},{"text":"And as soon as we see that arrive, we'll be able to do that deductible contribution there for you.","start":430.1,"end":435.54,"sentiment":"neutral","sentiment_score":0.2657984573590128},{"text":"It's not a problem at all.","start":435.54,"end":437.24,"sentiment":"positive","sentiment_score":0.39051076273123425}],"sentiment":"neutral","sentiment_score":0.2685290115828417,"num_words":49,"start":425.46,"end":437.24},{"sentences":[{"text":"Okay?","start":437.595,"end":438.095,"sentiment":"neutral","sentiment_score":0.28551268577575684},{"text":"Easy.","start":439.27502,"end":439.77502,"sentiment":"positive","sentiment_score":0.5215407609939575},{"text":"My pleasure.","start":440.155,"end":440.975,"sentiment":"positive","sentiment_score":0.5268563777208328},{"text":"I hope you have a good day.","start":441.035,"end":441.99503,"sentiment":"positive","sentiment_score":0.6386691417012896},{"text":"If there's anything else you need, don't ever hesitate.","start":441.99503,"end":443.935,"sentiment":"neutral","sentiment_score":0.13816539115375942}],"sentiment":"positive","sentiment_score":0.3787469357252121,"num_words":20,"start":437.595,"end":443.935},{"sentences":[{"text":"Thanks, Scott.","start":446.39502,"end":447.11502,"sentiment":"positive","sentiment_score":0.8075185120105743},{"text":"Talk soon.","start":447.11502,"end":447.935,"sentiment":"positive","sentiment_score":0.748447984457016},{"text":"See you later.","start":448.23502,"end":448.95502,"sentiment":"positive","sentiment_score":0.4309578835964203},{"text":"Bye.","start":448.95502,"end":449.45502,"sentiment":"neutral","sentiment_score":-0.08899196237325668}],"sentiment":"positive","sentiment_score":0.5394768351688981,"num_words":8,"start":446.39502,"end":449.45502}]}}]},{"alternatives":[{"transcript":"Hi. Good morning. How are you? Good. Scott Andrews has just called in. He's just asked to have a quick chat with you. I know you've got an appointment at 10:30, but he just said it'll be a quick chat. So I just thought if you're free oh, yeah. Security is all done too. Alright. See you, babe. Yep. Good. Not too bad. Yourself? I I wanna know if I can make a concessional contribution to my super. And do I go just through Hub 24, or do we go through you? What's the easiest way of doing that? Yep. Appreciate it, Summer. Yes. Yes. I am. Yep. So Not in the problem. Yep. Yeah. Yep. Looks like we put 10,000 in to keep me under the cap. Yeah. I do get paid weekly. So yep. Yep. Fine. Yep. Yep. Right. Which is payday. Yep. Yep. Yep. Yep. Yep. I'm trying to put yeah. Yeah. That's alright. Yep. Yep. Yep. It hasn't made much of a change to well, yeah, because of the tax savings on pay wise and and I don't know. I've sold a property this year, so I mean, the top tax bracket anyway. So that's the other reason, but it's going good. And and then I'll just gonna look at just pumping the super back up to the full amount once we get everything sorted out. Yeah. Record this. I'll just pay the difference that I'm I'm not making. Yeah. Yeah. Yeah. Yep. Yep. Yep. Yep. So if I just put $9.05 in to be safe so we don't go over it. Or how much is it if you do go over it? Or yeah. Righto. Yep. 15 percent tax for the yep. No. Over. Yep. Excellent. It's just more mucking around for the For $9.05. So that that leaves us that'll leave us a bit of leeway there. Just in case I pay too much. Yes. Yep. Yep. Yep. No. Yeah. Yep. I think from memory, it was, like, $5.27 or 5. Yeah. It was low fives. Yeah. That's fine, mate. If I put that in at least, that's gonna, a, help me with the tax this year and b pump up the super. So oh, yes. I just I just pay that through. I did find the BSB, and and you just pick which number you're paying into. So I just pay it. Yeah. Because there wasn't a con yes. Into the voluntary one. Yep. Yeah. Because there wasn't a concessional. Yeah. Yep. And then you can just tell them yep. But I wanna make that payment today. And do you want me to just call you or just message you, or what's the easiest way to yep. That'll be fine. Yeah. Just to make sure that I'm I'm pretty sure I do have it. But, yeah, send that to me, and then I can just send the confirmation back back to you. Yep. Yep. Cool. Alright then. Thanking you. Okay. You too. Yep. Okay. Brilliant. 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Good morning. How are you? Good. Scott Andrews has just called in.\n\nHe's just asked to have a quick chat with you. I know you've got an appointment at 10:30, but he just said it'll be a quick chat. So I just thought if you're free oh, yeah. Security is all done too. Alright.\n\nSee you, babe. Yep. Good. Not too bad. Yourself?\n\nI I wanna know if I can make a concessional contribution to my super. And do I go just through Hub 24, or do we go through you? What's the easiest way of doing that? Yep. Appreciate it, Summer.\n\nYes. Yes. I am. Yep. So Not in the problem.\n\nYep. Yeah. Yep. Looks like we put 10,000 in to keep me under the cap. Yeah.\n\nI do get paid weekly. So yep. Yep. Fine. Yep.\n\nYep. Right. Which is payday. Yep. Yep.\n\nYep. Yep. Yep. I'm trying to put yeah. Yeah.\n\nThat's alright. Yep. Yep. Yep. It hasn't made much of a change to well, yeah, because of the tax savings on pay wise and and I don't know.\n\nI've sold a property this year, so I mean, the top tax bracket anyway. So that's the other reason, but it's going good. And and then I'll just gonna look at just pumping the super back up to the full amount once we get everything sorted out. Yeah. Record this.\n\nI'll just pay the difference that I'm I'm not making. Yeah. Yeah. Yeah. Yep.\n\nYep. Yep. Yep. So if I just put $9.05 in to be safe so we don't go over it. Or how much is it if you do go over it?\n\nOr yeah. Righto. Yep. 15 percent tax for the yep. No.\n\nOver. Yep. Excellent. It's just more mucking around for the For $9.05. So that that leaves us that'll leave us a bit of leeway there.\n\nJust in case I pay too much. Yes. Yep. Yep. Yep.\n\nNo. Yeah. Yep. I think from memory, it was, like, $5.27 or 5. Yeah.\n\nIt was low fives. Yeah. That's fine, mate. If I put that in at least, that's gonna, a, help me with the tax this year and b pump up the super. So oh, yes.\n\nI just I just pay that through. I did find the BSB, and and you just pick which number you're paying into. So I just pay it. Yeah. Because there wasn't a con yes.\n\nInto the voluntary one. Yep. Yeah. Because there wasn't a concessional. Yeah.\n\nYep. And then you can just tell them yep. But I wanna make that payment today. And do you want me to just call you or just message you, or what's the easiest way to yep. That'll be fine.\n\nYeah. Just to make sure that I'm I'm pretty sure I do have it. But, yeah, send that to me, and then I can just send the confirmation back back to you. Yep. Yep.\n\nCool. Alright then. Thanking you. Okay. You too.\n\nYep. Okay. Brilliant. 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problem.","start":86.39,"end":98.09,"sentiment":"neutral","sentiment_score":0.015490958094596862}],"sentiment":"neutral","sentiment_score":0.08867512047290801,"num_words":10,"start":78.315,"end":98.09},{"sentences":[{"text":"Yep.","start":100.634995,"end":101.134995,"sentiment":"neutral","sentiment_score":0.03355126827955246},{"text":"Yeah.","start":110.395,"end":110.895,"sentiment":"neutral","sentiment_score":0.03600427508354187},{"text":"Yep.","start":111.115,"end":111.615,"sentiment":"neutral","sentiment_score":0.05127323791384697},{"text":"Looks like we put 10,000 in to keep me under the cap.","start":112.57,"end":115.630005,"sentiment":"neutral","sentiment_score":-0.005170083449532588},{"text":"Yeah.","start":147.29,"end":147.79,"sentiment":"neutral","sentiment_score":0.011160831898450851}],"sentiment":"neutral","sentiment_score":0.004371788236312568,"num_words":16,"start":100.634995,"end":147.79},{"sentences":[{"text":"I do get paid weekly.","start":148.97,"end":150.25,"sentiment":"neutral","sentiment_score":0.03421977329999208},{"text":"So yep.","start":150.25,"end":151.31,"sentiment":"neutral","sentiment_score":0.0032073347829282284},{"text":"Yep.","start":163.25499,"end":163.575,"sentiment":"neutral","sentiment_score":0.15617388486862183},{"text":"Fine.","start":163.575,"end":164.055,"sentiment":"neutral","sentiment_score":0.1943959593772888},{"text":"Yep.","start":164.055,"end":164.555,"sentiment":"neutral","sentiment_score":0.12135367095470428}],"sentiment":"neutral","sentiment_score":0.06494370512664319,"num_words":10,"start":148.97,"end":164.555},{"sentences":[{"text":"Yep.","start":180.475,"end":180.975,"sentiment":"neutral","sentiment_score":0.07834013551473618},{"text":"Right.","start":190.075,"end":190.235,"sentiment":"neutral","sentiment_score":0.03567080944776535},{"text":"Which is payday.","start":190.235,"end":191.215,"sentiment":"neutral","sentiment_score":0.03639572734634081},{"text":"Yep.","start":191.27501,"end":191.77501,"sentiment":"neutral","sentiment_score":0.07679078727960587},{"text":"Yep.","start":191.995,"end":192.495,"sentiment":"neutral","sentiment_score":0.06603586673736572}],"sentiment":"neutral","sentiment_score":0.05228925443121365,"num_words":7,"start":180.475,"end":192.495},{"sentences":[{"text":"Yep.","start":194.26,"end":194.76,"sentiment":"neutral","sentiment_score":0.07203717529773712},{"text":"Yep.","start":198.01999,"end":198.51999,"sentiment":"neutral","sentiment_score":0.056141968816518784},{"text":"Yep.","start":206.675,"end":207.175,"sentiment":"neutral","sentiment_score":0.0103481812402606},{"text":"I'm trying to put yeah.","start":208.675,"end":209.975,"sentiment":"neutral","sentiment_score":-0.03760499879717827},{"text":"Yeah.","start":217.715,"end":218.215,"sentiment":"neutral","sentiment_score":-0.03019106201827526}],"sentiment":"neutral","sentiment_score":-0.008854303405516677,"num_words":9,"start":194.26,"end":218.215},{"sentences":[{"text":"That's alright.","start":219.875,"end":220.695,"sentiment":"neutral","sentiment_score":0.05086601804941893},{"text":"Yep.","start":223.31,"end":223.81,"sentiment":"neutral","sentiment_score":0.005151964724063873},{"text":"Yep.","start":224.91,"end":225.41,"sentiment":"neutral","sentiment_score":-0.04889173060655594},{"text":"Yep.","start":226.03,"end":226.53,"sentiment":"neutral","sentiment_score":-0.06626759469509125},{"text":"It hasn't made much of a change to well, yeah, because of the tax savings on pay wise and and I don't know.","start":227.23,"end":233.23,"sentiment":"neutral","sentiment_score":-0.12393620610237122}],"sentiment":"neutral","sentiment_score":-0.10210028802976012,"num_words":28,"start":219.875,"end":233.23},{"sentences":[{"text":"I've sold a property this year, so I mean, the top tax bracket anyway.","start":233.23,"end":237.66501,"sentiment":"neutral","sentiment_score":-0.03484435672206538},{"text":"So that's the other reason, but it's going good.","start":237.66501,"end":240.405,"sentiment":"neutral","sentiment_score":0.2091146724091636},{"text":"And and then I'll just gonna look at just pumping the super back up to the full amount once we get everything sorted out.","start":240.705,"end":248.965,"sentiment":"neutral","sentiment_score":0.1490511717274785},{"text":"Yeah.","start":249.98,"end":250.14,"sentiment":"neutral","sentiment_score":0.04694541543722153},{"text":"Record this.","start":250.14,"end":250.62,"sentiment":"neutral","sentiment_score":0.027271867729723454}],"sentiment":"neutral","sentiment_score":0.10145856659859419,"num_words":50,"start":233.23,"end":250.62},{"sentences":[{"text":"I'll just pay the difference that I'm I'm not making.","start":250.62,"end":252.95999,"sentiment":"neutral","sentiment_score":-0.08814808502793312},{"text":"Yeah.","start":253.09999,"end":253.59999,"sentiment":"neutral","sentiment_score":-0.044109635055065155},{"text":"Yeah.","start":260.94,"end":261.18,"sentiment":"neutral","sentiment_score":0.21648350358009336},{"text":"Yeah.","start":261.18,"end":261.68,"sentiment":"neutral","sentiment_score":0.33026254177093506},{"text":"Yep.","start":265.67502,"end":266.17502,"sentiment":"positive","sentiment_score":0.3915799856185913}],"sentiment":"neutral","sentiment_score":0.0009096818310873849,"num_words":14,"start":250.62,"end":266.17502},{"sentences":[{"text":"Yep.","start":269.595,"end":270.095,"sentiment":"positive","sentiment_score":0.4440833926200866},{"text":"Yep.","start":273.915,"end":274.415,"sentiment":"neutral","sentiment_score":0.30224114656448364},{"text":"Yep.","start":275.55,"end":276.05,"sentiment":"neutral","sentiment_score":0.22295531630516052},{"text":"So if I just put $9.05 in to be safe so we don't go over it.","start":293.45502,"end":296.89502,"sentiment":"neutral","sentiment_score":0.0030261215288192034},{"text":"Or how much is it if you do go over it?","start":296.89502,"end":299.155,"sentiment":"neutral","sentiment_score":-0.021286271173845638}],"sentiment":"neutral","sentiment_score":0.026118293901284537,"num_words":30,"start":269.595,"end":299.155},{"sentences":[{"text":"Or yeah.","start":299.535,"end":304.495,"sentiment":"neutral","sentiment_score":-0.02392375934869051},{"text":"Righto.","start":304.495,"end":304.995,"sentiment":"neutral","sentiment_score":-0.01686437800526619},{"text":"Yep.","start":308.39,"end":308.89,"sentiment":"neutral","sentiment_score":0.07900543510913849},{"text":"15 percent tax for the yep.","start":309.19,"end":311.11002,"sentiment":"neutral","sentiment_score":0.0149790837119023},{"text":"No.","start":311.11002,"end":311.35,"sentiment":"neutral","sentiment_score":-0.09049943834543228}],"sentiment":"neutral","sentiment_score":0.0012426002120429819,"num_words":11,"start":299.535,"end":311.35},{"sentences":[{"text":"Over.","start":311.35,"end":311.59,"sentiment":"neutral","sentiment_score":-0.03198777511715889},{"text":"Yep.","start":311.59,"end":312.09,"sentiment":"neutral","sentiment_score":0.1541728675365448},{"text":"Excellent.","start":312.95,"end":313.43,"sentiment":"positive","sentiment_score":0.4610219001770019},{"text":"It's just more mucking around for the For $9.05.","start":313.43,"end":320.195,"sentiment":"neutral","sentiment_score":-0.008982421416375376},{"text":"So that that leaves us that'll leave us a bit of leeway there.","start":320.195,"end":324.455,"sentiment":"neutral","sentiment_score":0.029105121699663308}],"sentiment":"neutral","sentiment_score":0.0352292712777853,"num_words":25,"start":311.35,"end":324.455},{"sentences":[{"text":"Just in case I pay too much.","start":334.84,"end":336.44,"sentiment":"neutral","sentiment_score":-0.00720738699393613},{"text":"Yes.","start":336.44,"end":336.94,"sentiment":"neutral","sentiment_score":0.05836284160614014},{"text":"Yep.","start":347.115,"end":347.615,"sentiment":"neutral","sentiment_score":-0.010795360431075096},{"text":"Yep.","start":349.675,"end":350.175,"sentiment":"neutral","sentiment_score":-0.008192775771021843},{"text":"Yep.","start":360.315,"end":360.475,"sentiment":"neutral","sentiment_score":-0.11208775639533997}],"sentiment":"neutral","sentiment_score":-0.011196796358986334,"num_words":11,"start":334.84,"end":360.475},{"sentences":[{"text":"No.","start":360.475,"end":360.715,"sentiment":"neutral","sentiment_score":-0.18143147230148315},{"text":"Yeah.","start":360.715,"end":361.215,"sentiment":"neutral","sentiment_score":-0.08597233146429062},{"text":"Yep.","start":367.32,"end":367.82,"sentiment":"neutral","sentiment_score":0.26215964555740356},{"text":"I think from memory, it was, like, $5.27 or 5.","start":371.48,"end":374.78,"sentiment":"neutral","sentiment_score":0.022443022299557924},{"text":"Yeah.","start":374.84,"end":375.0,"sentiment":"neutral","sentiment_score":0.01644250564277172}],"sentiment":"neutral","sentiment_score":0.016830612173570052,"num_words":14,"start":360.475,"end":375.0},{"sentences":[{"text":"It was low fives.","start":375.0,"end":376.06,"sentiment":"neutral","sentiment_score":-0.051491107791662216},{"text":"Yeah.","start":377.08,"end":377.535,"sentiment":"neutral","sentiment_score":0.03308938443660736},{"text":"That's fine, mate.","start":380.415,"end":381.135,"sentiment":"positive","sentiment_score":0.364342600107193},{"text":"If I put that in at least, that's gonna, a, help me with the tax this year and b pump up the super.","start":381.135,"end":387.45502,"sentiment":"neutral","sentiment_score":0.1343711630805679},{"text":"So oh, yes.","start":387.45502,"end":389.375,"sentiment":"neutral","sentiment_score":0.11565004040797551}],"sentiment":"neutral","sentiment_score":0.12816587134319193,"num_words":34,"start":375.0,"end":389.375},{"sentences":[{"text":"I just I just pay that through.","start":389.375,"end":390.815,"sentiment":"neutral","sentiment_score":0.1354533742581095},{"text":"I did find the BSB, and and you just pick which number you're paying into.","start":390.815,"end":394.36,"sentiment":"neutral","sentiment_score":0.11227325548728308},{"text":"So I just pay it.","start":394.36,"end":395.66,"sentiment":"neutral","sentiment_score":0.08290725573897362},{"text":"Yeah.","start":396.91998,"end":397.24,"sentiment":"neutral","sentiment_score":0.0278814360499382},{"text":"Because there wasn't a con yes.","start":397.24,"end":399.47998,"sentiment":"neutral","sentiment_score":0.015436573885381222}],"sentiment":"neutral","sentiment_score":0.09315616500509136,"num_words":34,"start":389.375,"end":399.47998},{"sentences":[{"text":"Into the voluntary one.","start":399.47998,"end":400.52,"sentiment":"neutral","sentiment_score":0.007260872982442379},{"text":"Yep.","start":400.52,"end":400.84,"sentiment":"neutral","sentiment_score":0.023293551057577133},{"text":"Yeah.","start":400.84,"end":401.0,"sentiment":"neutral","sentiment_score":0.01449784729629755},{"text":"Because there wasn't a concessional.","start":401.0,"end":402.22,"sentiment":"neutral","sentiment_score":0.0007930818945169448},{"text":"Yeah.","start":402.44,"end":402.94,"sentiment":"neutral","sentiment_score":0.0650733932852745}],"sentiment":"neutral","sentiment_score":0.011322807753458619,"num_words":12,"start":399.47998,"end":402.94},{"sentences":[{"text":"Yep.","start":403.16,"end":403.56,"sentiment":"neutral","sentiment_score":0.077013298869133},{"text":"And then you can just tell them yep.","start":403.56,"end":405.66,"sentiment":"neutral","sentiment_score":0.09389913082122803},{"text":"But I wanna make that payment today.","start":405.895,"end":407.495,"sentiment":"neutral","sentiment_score":0.14883757276194437},{"text":"And do you want me to just call you or just message you, or what's the easiest way to yep.","start":407.495,"end":415.735,"sentiment":"neutral","sentiment_score":0.04748811488971114},{"text":"That'll be fine.","start":415.735,"end":416.29498,"sentiment":"neutral","sentiment_score":0.12853757292032242}],"sentiment":"neutral","sentiment_score":0.08219088131609635,"num_words":39,"start":403.16,"end":416.29498},{"sentences":[{"text":"Yeah.","start":416.29498,"end":416.53497,"sentiment":"neutral","sentiment_score":0.1188717633485794},{"text":"Just to make sure that I'm I'm pretty sure I do have it.","start":416.53497,"end":418.69498,"sentiment":"neutral","sentiment_score":0.14921210534297502},{"text":"But, yeah, send that to me, and then I can just send the confirmation back back to you.","start":418.69498,"end":429.21,"sentiment":"neutral","sentiment_score":0.10424316674470901},{"text":"Yep.","start":429.21,"end":429.71,"sentiment":"neutral","sentiment_score":0.22812829911708832},{"text":"Yep.","start":433.37,"end":433.87,"sentiment":"neutral","sentiment_score":0.17623095214366913}],"sentiment":"neutral","sentiment_score":0.1276283936903757,"num_words":34,"start":416.29498,"end":433.87},{"sentences":[{"text":"Cool.","start":436.025,"end":436.525,"sentiment":"positive","sentiment_score":0.4663921594619751},{"text":"Alright then.","start":437.54498,"end":438.505,"sentiment":"neutral","sentiment_score":0.31761206686496735},{"text":"Thanking you.","start":438.505,"end":439.405,"sentiment":"positive","sentiment_score":0.5823623538017273},{"text":"Okay.","start":440.345,"end":440.845,"sentiment":"positive","sentiment_score":0.5163582563400269},{"text":"You too.","start":442.425,"end":443.16498,"sentiment":"neutral","sentiment_score":0.08127309381961823}],"sentiment":"positive","sentiment_score":0.36815568059682846,"num_words":8,"start":436.025,"end":443.16498},{"sentences":[{"text":"Yep.","start":444.425,"end":444.745,"sentiment":"neutral","sentiment_score":0.20423954725265503},{"text":"Okay.","start":444.745,"end":445.245,"sentiment":"positive","sentiment_score":0.4068757891654968},{"text":"Brilliant.","start":446.82498,"end":447.32498,"sentiment":"positive","sentiment_score":0.8892930746078491},{"text":"Bye.","start":447.625,"end":448.125,"sentiment":"positive","sentiment_score":0.5801175832748413}],"sentiment":"positive","sentiment_score":0.5201314985752106,"num_words":4,"start":444.425,"end":448.125}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Hey, John.\n\nChannel 1: Hi. Good morning. How are you?\n\nChannel 0: I'm good. How are you?\n\nChannel 1: Good. Scott Andrews has just called in. He's just asked to have a quick chat with you. I know you've got an appointment at 10:30, but he just said it'll be a quick chat. So I just thought if you're free\n\nChannel 0: Yeah. Yeah. That's absolutely fine. Send him through. Got him here in\n\nChannel 1: oh,\n\nChannel 0: front\n\nChannel 1: yeah.\n\nChannel 0: of me. Perfect.\n\nChannel 1: Security is all done too.\n\nChannel 0: Okay. No worries at all.\n\nChannel 1: Alright. See you, babe.\n\nChannel 0: Thanks. Bye. Hey, Scott. Listen. How are you?\n\nChannel 1: Yep. Good. Not too bad. Yourself?\n\nChannel 0: I'm very well. Thank you. How can I help you?\n\nChannel 1: I I wanna know if I can make a concessional contribution to my super. And do I go just through Hub 24, or do we go through you? What's the easiest\n\nChannel 0: Yes.\n\nChannel 1: way of doing\n\nChannel 0: Not\n\nChannel 1: that?\n\nChannel 0: it's you absolutely can. So let me just pull up your file for you and have a look at what your contributions were for this year so far.\n\nChannel 1: Yep. Appreciate\n\nChannel 0: Essentially,\n\nChannel 1: it, Summer.\n\nChannel 0: the way the way the best way to go about it, depending on what you're comfortable with, is you can just make that contribution direct to Hub twenty four so I can send you the information. Once you do deposit those funds in Hub twenty four, are you wanting to claim the notice of intent for that one?\n\nChannel 1: Yes. Yes. I am.\n\nChannel 0: Yeah. Perfect. So you just let me know once the contribution's being made. I'll check that it goes into the account for you,\n\nChannel 1: Yep.\n\nChannel 0: and\n\nChannel 1: So\n\nChannel 0: then we can claim that notice of intent for you nice and easy. So alright. So total contributions for this financial year, you've made\n\nChannel 1: Not in\n\nChannel 0: '19\n\nChannel 1: the problem.\n\nChannel 0: thousand $5.58 and 57¢\n\nChannel 1: Yep.\n\nChannel 0: there. I'm just gonna have a quick look at the contributions because I wanna see if there's another one that's supposed to have gone in this month\n\nChannel 1: Yeah.\n\nChannel 0: at all\n\nChannel 1: Yep.\n\nChannel 0: just\n\nChannel 1: Looks like\n\nChannel 0: to\n\nChannel 1: we\n\nChannel 0: see.\n\nChannel 1: put 10,000 in to keep me under the cap.\n\nChannel 0: Yay. You're right. So it looks like they go in twenty ninth and fifth, the fifth and fifth. It looks like they go in every fortnight. So that one was made on the twenty ninth of the fifth, and then the other one before that was the twenty fifth of the fifth.\n\nIt doesn't really kind of every week. And then\n\nChannel 1: Yeah.\n\nChannel 0: the fifteenth. Yeah.\n\nChannel 1: I do\n\nChannel 0: So it\n\nChannel 1: get\n\nChannel 0: looks\n\nChannel 1: paid\n\nChannel 0: like they\n\nChannel 1: weekly.\n\nChannel 0: go in\n\nChannel 1: So\n\nChannel 0: kind of\n\nChannel 1: yep.\n\nChannel 0: every week. Yeah. So BHP are putting them in weekly for you by the looks of things, which is fine. If we account for the next few, they're all very much the same.\n\nChannel 1: Yep. Fine. Yep.\n\nChannel 0: So $1.97 58. $1.97 and 58¢. We would be expecting on average the last one was the fifth, so last week. One, two, three,\n\nChannel 1: Yep.\n\nChannel 0: maybe four more contributions depending on when they put the last one in for June because the the financial year kinda runs out on a Wednesday. So\n\nChannel 1: Right.\n\nChannel 0: depending\n\nChannel 1: Which is\n\nChannel 0: on\n\nChannel 1: payday.\n\nChannel 0: what day\n\nChannel 1: Yep.\n\nChannel 0: they put your\n\nChannel 1: Yep.\n\nChannel 0: last one in,\n\nChannel 1: Yep.\n\nChannel 0: but that will account for four just to keep it on the safe side for you.\n\nChannel 1: Yep.\n\nChannel 0: 58 by four. So you should be expecting, hopefully, about another $790.32 to go in.\n\nChannel 1: Yep.\n\nChannel 0: So then\n\nChannel 1: I'm\n\nChannel 0: if\n\nChannel 1: trying\n\nChannel 0: I\n\nChannel 1: to put\n\nChannel 0: just.\n\nChannel 1: yeah.\n\nChannel 0: Sorry. My computer's thinking about going back to the other screen.\n\nChannel 1: Yeah.\n\nChannel 0: I do apologize, Scott.\n\nChannel 1: That's alright.\n\nChannel 0: How's everything been going? I know Lisa\n\nChannel 1: Yep.\n\nChannel 0: said that you'd dropped an hour\n\nChannel 1: Yep.\n\nChannel 0: back and\n\nChannel 1: Yep. It hasn't made much of a change to well, yeah, because of the tax savings on pay wise and and I don't know. I've sold\n\nChannel 0: yeah.\n\nChannel 1: a property this year, so I mean, the top tax bracket anyway. So that's the other reason, but it's going good.\n\nChannel 0: Yeah.\n\nChannel 1: And and then I'll just gonna look at just pumping the super back up to the full amount once we get everything sorted out.\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: Yeah. Record this. I'll just\n\nChannel 0: I\n\nChannel 1: pay\n\nChannel 0: did\n\nChannel 1: the difference that I'm I'm not making. Yeah.\n\nChannel 0: yeah. No. That's definitely fine. I know speaking to Lisa last time, she wanted to do another catch up with the two of you\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: and reassess all the advice as a whole, which is absolutely fine. So\n\nChannel 1: Yep.\n\nChannel 0: when you are ready to do that, let me know, and I can book you both in for a really\n\nChannel 1: Yep.\n\nChannel 0: good conversation. We'll reassess everything and go back the drawing board and update all\n\nChannel 1: Yep.\n\nChannel 0: the advice for you as both as\n\nChannel 1: Yep.\n\nChannel 0: well. Easy. So we've got 30,000. That brings us up to $20,003.48 and 89¢ approximately, which gives us a cap space of approximately $9,651.11.\n\nChannel 1: So if\n\nChannel 0: Now\n\nChannel 1: I just put $9.05 in to be safe so we don't go over it. Or how much is it if you do go over it? Or\n\nChannel 0: If you go over it, it's taxed at the highest marginal tax rate\n\nChannel 1: yeah.\n\nChannel 0: minus\n\nChannel 1: Righto.\n\nChannel 0: the offset for the the tax that's put into it. So\n\nChannel 1: Yep.\n\nChannel 0: it's really best\n\nChannel 1: 15\n\nChannel 0: not\n\nChannel 1: percent\n\nChannel 0: to kind\n\nChannel 1: tax\n\nChannel 0: of\n\nChannel 1: for\n\nChannel 0: go\n\nChannel 1: the\n\nChannel 0: over\n\nChannel 1: yep.\n\nChannel 0: that.\n\nChannel 1: No. Over.\n\nChannel 0: Yeah.\n\nChannel 1: Yep. Excellent. It's just more\n\nChannel 0: The\n\nChannel 1: mucking\n\nChannel 0: other\n\nChannel 1: around\n\nChannel 0: thing\n\nChannel 1: for the\n\nChannel 0: is yeah. Correct. Correct.\n\nChannel 1: For $9.05. So\n\nChannel 0: Your\n\nChannel 1: that\n\nChannel 0: belt\n\nChannel 1: that leaves us that'll leave us a bit of leeway there.\n\nChannel 0: it does. Yeah. So, I mean, $9.05 still gives you that extra. So that's minus 9,500. It's still giving us an extra $151.\n\nChannel 1: Just in case I\n\nChannel 0: And\n\nChannel 1: pay\n\nChannel 0: I've\n\nChannel 1: too\n\nChannel 0: accounted\n\nChannel 1: much. Yes.\n\nChannel 0: for yeah. With the with the extra contributions going in, that's 790. I kinda factored in four weeks, not so much three, because they may only put\n\nChannel 1: Yep.\n\nChannel 0: the next three, which gives you a bit of space, but\n\nChannel 1: Yep.\n\nChannel 0: they may also put in the extra. Unfortunately, because your balance is over 600,000, it's over that $500,000 mark, it looks like you probably don't have access to any catch up contribution, but you\n\nChannel 1: Yep.\n\nChannel 0: could\n\nChannel 1: No.\n\nChannel 0: always\n\nChannel 1: Yeah.\n\nChannel 0: check your MyGov account to see if they allow you, see if it was under 500 last financial year. I might\n\nChannel 1: Yep.\n\nChannel 0: even be able to quickly go back to them and see what that was.\n\nChannel 1: I think from memory, it was, like, $5.27 or 5. Yeah.\n\nChannel 0: I\n\nChannel 1: It was\n\nChannel 0: have a\n\nChannel 1: low\n\nChannel 0: feeling\n\nChannel 1: fives.\n\nChannel 0: it was yeah.\n\nChannel 1: Yeah.\n\nChannel 0: I'll go back to balance\n\nChannel 1: That's fine, mate.\n\nChannel 0: as\n\nChannel 1: If\n\nChannel 0: of\n\nChannel 1: I put that in at least, that's gonna,\n\nChannel 0: June.\n\nChannel 1: a, help me with the tax this year\n\nChannel 0: Yeah.\n\nChannel 1: and b pump up the super. So oh,\n\nChannel 0: Yeah.\n\nChannel 1: yes. I just I just pay that through. I did find the BSB, and and you just pick which number you're paying into. So I just pay it.\n\nChannel 0: Yep. So just just the\n\nChannel 1: Yeah.\n\nChannel 0: one with\n\nChannel 1: Because\n\nChannel 0: the voluntary,\n\nChannel 1: there wasn't a con\n\nChannel 0: it goes\n\nChannel 1: yes. Into\n\nChannel 0: Yeah.\n\nChannel 1: the voluntary\n\nChannel 0: Sorry?\n\nChannel 1: one. Yep. Yeah. Because there wasn't\n\nChannel 0: Yeah.\n\nChannel 1: a\n\nChannel 0: Yeah.\n\nChannel 1: concessional.\n\nChannel 0: Into the voluntary.\n\nChannel 1: Yeah. Yep. And\n\nChannel 0: Yeah.\n\nChannel 1: then\n\nChannel 0: Yeah.\n\nChannel 1: you can just\n\nChannel 0: Absolutely.\n\nChannel 1: tell them yep. But I wanna make that payment today. And do you want me to just call you or just message you, or what's the easiest\n\nChannel 0: Do you\n\nChannel 1: way\n\nChannel 0: still have my email?\n\nChannel 1: to\n\nChannel 0: Do you want me to send you an email now?\n\nChannel 1: yep. That'll be fine. Yeah. Just to make\n\nChannel 0: Yep.\n\nChannel 1: sure that I'm\n\nChannel 0: Beautiful.\n\nChannel 1: I'm pretty\n\nChannel 0: That way\n\nChannel 1: sure\n\nChannel 0: you\n\nChannel 1: I do have it. But, yeah,\n\nChannel 0: Yeah.\n\nChannel 1: send that to me, and then I can just send the confirmation back back\n\nChannel 0: Yeah. That's absolutely fine. Not a problem at all. So I'll just send an email. Now that way you've got it, just let me\n\nChannel 1: to\n\nChannel 0: know once it's gone in.\n\nChannel 1: you.\n\nChannel 0: We'll\n\nChannel 1: Yep.\n\nChannel 0: double check it. And as soon as we see that arrive, we'll be able to do that\n\nChannel 1: Yep.\n\nChannel 0: deductible contribution there for you. It's not a problem\n\nChannel 1: Cool.\n\nChannel 0: at all.\n\nChannel 1: Alright\n\nChannel 0: Okay?\n\nChannel 1: then. Thanking you.\n\nChannel 0: Easy. My\n\nChannel 1: Okay.\n\nChannel 0: pleasure. I hope you have a good day. If there's anything\n\nChannel 1: You\n\nChannel 0: else\n\nChannel 1: too.\n\nChannel 0: you need, don't ever hesitate.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Thanks, Scott.\n\nChannel 1: Brilliant.\n\nChannel 0: Talk soon.\n\nChannel 1: Bye.\n\nChannel 0: See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hey, John.","start":1.4399999,"end":2.26,"sentiment":"neutral","sentiment_score":0.12779411673545837}],"sentiment":"neutral","sentiment_score":0.12779411673545837,"channel":0,"num_words":2,"start":1.4399999,"end":2.26},{"sentences":[{"text":"Hi.","start":2.6399999,"end":3.04,"sentiment":"neutral","sentiment_score":0.2946934401988983},{"text":"Good morning.","start":3.04,"end":3.76,"sentiment":"positive","sentiment_score":0.5111498534679413},{"text":"How are you?","start":3.76,"end":4.66,"sentiment":"positive","sentiment_score":0.4701623221238454}],"sentiment":"positive","sentiment_score":0.45458001891771954,"channel":1,"num_words":6,"start":2.6399999,"end":4.66},{"sentences":[{"text":"I'm good.","start":4.7999997,"end":5.3599997,"sentiment":"positive","sentiment_score":0.6173375248908997},{"text":"How are you?","start":5.3599997,"end":6.18,"sentiment":"positive","sentiment_score":0.4017465313275655}],"sentiment":"positive","sentiment_score":0.48798292875289917,"channel":0,"num_words":5,"start":4.7999997,"end":6.18},{"sentences":[{"text":"Good.","start":6.7999997,"end":7.2999997,"sentiment":"positive","sentiment_score":0.5032463073730469},{"text":"Scott Andrews has just called in.","start":8.639999,"end":10.48,"sentiment":"neutral","sentiment_score":0.2223544865846634},{"text":"He's just asked to have a quick chat with you.","start":10.48,"end":12.48,"sentiment":"neutral","sentiment_score":0.1404638968408108},{"text":"I know you've got an appointment at 10:30, but he just said it'll be a quick chat.","start":12.48,"end":18.095001,"sentiment":"neutral","sentiment_score":0.07892015160006635},{"text":"So I just thought if you're 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are you?","start":33.92,"end":34.9,"sentiment":"neutral","sentiment_score":0.18394031127293906}],"sentiment":"neutral","sentiment_score":0.25395083241164684,"channel":0,"num_words":8,"start":30.4,"end":34.9},{"sentences":[{"text":"Yep.","start":34.45,"end":34.95,"sentiment":"neutral","sentiment_score":0.21441614627838135},{"text":"Good.","start":35.41,"end":35.73,"sentiment":"positive","sentiment_score":0.47052744030952454},{"text":"Not too bad.","start":35.73,"end":36.37,"sentiment":"positive","sentiment_score":0.39445992310841876},{"text":"Yourself?","start":36.37,"end":36.87,"sentiment":"neutral","sentiment_score":0.3040195107460022}],"sentiment":"positive","sentiment_score":0.3620571444431941,"channel":1,"num_words":6,"start":34.45,"end":36.87},{"sentences":[{"text":"I'm very well.","start":37.6,"end":38.48,"sentiment":"positive","sentiment_score":0.6413128773371378},{"text":"Thank you.","start":38.48,"end":38.879997,"sentiment":"positive","sentiment_score":0.7047737240791321},{"text":"How can I help you?","start":38.879997,"end":40.1,"sentiment":"positive","sentiment_score":0.3442023158073425}],"sentiment":"positive","sentiment_score":0.5054497659206391,"channel":0,"num_words":10,"start":37.6,"end":40.1},{"sentences":[{"text":"I I wanna know if I can make a concessional contribution to my super.","start":40.69,"end":46.344997,"sentiment":"neutral","sentiment_score":0.08852035911487681},{"text":"And do I go just through Hub 24, or do we go through you?","start":46.344997,"end":49.385,"sentiment":"neutral","sentiment_score":0.01553009876183101},{"text":"What's the easiest","start":49.385,"end":50.105,"sentiment":"neutral","sentiment_score":0.0531121181945006}],"sentiment":"neutral","sentiment_score":0.05213041176959392,"channel":1,"num_words":31,"start":40.69,"end":50.105},{"sentences":[{"text":"Yes.","start":49.815,"end":50.315,"sentiment":"neutral","sentiment_score":0.0751802921295166}],"sentiment":"neutral","sentiment_score":0.0751802921295166,"channel":0,"num_words":1,"start":49.815,"end":50.315},{"sentences":[{"text":"way of doing","start":50.105,"end":50.664997,"sentiment":"neutral","sentiment_score":0.0641322707136472}],"sentiment":"neutral","sentiment_score":0.0641322707136472,"channel":1,"num_words":3,"start":50.105,"end":50.664997},{"sentences":[{"text":"Not","start":50.535,"end":50.774998,"sentiment":"neutral","sentiment_score":0.058736253529787064}],"sentiment":"neutral","sentiment_score":0.058736253529787064,"channel":0,"num_words":1,"start":50.535,"end":50.774998},{"sentences":[{"text":"that?","start":50.664997,"end":51.164997,"sentiment":"neutral","sentiment_score":0.0640469491481781}],"sentiment":"neutral","sentiment_score":0.0640469491481781,"channel":1,"num_words":1,"start":50.664997,"end":51.164997},{"sentences":[{"text":"it's you absolutely can.","start":51.815,"end":54.055,"sentiment":"neutral","sentiment_score":0.267243217676878},{"text":"So let me just pull up your file for you and have a look at what your contributions were for this year so far.","start":54.055,"end":60.54,"sentiment":"neutral","sentiment_score":0.14672647758076587}],"sentiment":"neutral","sentiment_score":0.16394315473735332,"channel":0,"num_words":28,"start":51.815,"end":60.54},{"sentences":[{"text":"Yep.","start":60.98,"end":61.38,"sentiment":"neutral","sentiment_score":0.2021502256393433},{"text":"Appreciate","start":61.38,"end":61.88,"sentiment":"positive","sentiment_score":0.37998008728027344}],"sentiment":"neutral","sentiment_score":0.29106515645980835,"channel":1,"num_words":2,"start":60.98,"end":61.88},{"sentences":[{"text":"Essentially,","start":61.64,"end":62.14,"sentiment":"positive","sentiment_score":0.34610292315483093}],"sentiment":"positive","sentiment_score":0.34610292315483093,"channel":0,"num_words":1,"start":61.64,"end":62.14},{"sentences":[{"text":"it, Summer.","start":62.02,"end":62.77,"sentiment":"positive","sentiment_score":0.430424764752388}],"sentiment":"positive","sentiment_score":0.430424764752388,"channel":1,"num_words":2,"start":62.02,"end":62.77},{"sentences":[{"text":"the way the way the best way to go about it, depending on what you're comfortable with, is you can just make that contribution direct to Hub twenty four so I can send you the information.","start":62.36,"end":71.659996,"sentiment":"neutral","sentiment_score":0.16082155683802235},{"text":"Once you do deposit those funds in Hub twenty four, are you wanting to claim the notice of intent for that one?","start":72.985,"end":78.685005,"sentiment":"neutral","sentiment_score":0.08997252363372933}],"sentiment":"neutral","sentiment_score":0.13394778562260085,"channel":0,"num_words":58,"start":62.36,"end":78.685005},{"sentences":[{"text":"Yes.","start":78.315,"end":78.795006,"sentiment":"neutral","sentiment_score":0.10892246663570404},{"text":"Yes.","start":78.795006,"end":79.035,"sentiment":"neutral","sentiment_score":0.13200639188289642},{"text":"I am.","start":79.035,"end":79.695,"sentiment":"neutral","sentiment_score":0.1696491315960884}],"sentiment":"neutral","sentiment_score":0.14505678042769432,"channel":1,"num_words":4,"start":78.315,"end":79.695},{"sentences":[{"text":"Yeah.","start":79.625,"end":80.025,"sentiment":"neutral","sentiment_score":0.2469858676195145},{"text":"Perfect.","start":80.025,"end":80.505005,"sentiment":"positive","sentiment_score":0.5154393315315247},{"text":"So you just let me know once the contribution's being made.","start":80.505005,"end":83.245,"sentiment":"neutral","sentiment_score":0.18210845508358695},{"text":"I'll check that it goes into the account for you,","start":83.625,"end":86.045006,"sentiment":"neutral","sentiment_score":0.23879070580005646}],"sentiment":"neutral","sentiment_score":0.22406631578569827,"channel":0,"num_words":23,"start":79.625,"end":86.045006},{"sentences":[{"text":"Yep.","start":86.31,"end":86.39,"sentiment":"neutral","sentiment_score":0.2290692925453186}],"sentiment":"neutral","sentiment_score":0.2290692925453186,"channel":1,"num_words":1,"start":86.31,"end":86.39},{"sentences":[{"text":"and","start":86.369995,"end":86.61,"sentiment":"neutral","sentiment_score":0.20617878437042236}],"sentiment":"neutral","sentiment_score":0.20617878437042236,"channel":0,"num_words":1,"start":86.369995,"end":86.61},{"sentences":[{"text":"So","start":86.39,"end":86.89,"sentiment":"neutral","sentiment_score":0.27006271481513977}],"sentiment":"neutral","sentiment_score":0.27006271481513977,"channel":1,"num_words":1,"start":86.39,"end":86.89},{"sentences":[{"text":"then we can claim that notice of intent for you nice and easy.","start":86.61,"end":89.99,"sentiment":"neutral","sentiment_score":0.2851747411947984},{"text":"So alright.","start":90.77,"end":93.09,"sentiment":"neutral","sentiment_score":0.07507967576384544},{"text":"So total contributions for this financial year, you've made","start":93.09,"end":97.329994,"sentiment":"neutral","sentiment_score":0.015220278253157934}],"sentiment":"neutral","sentiment_score":0.16643389547243714,"channel":0,"num_words":24,"start":86.61,"end":97.329994},{"sentences":[{"text":"Not in","start":96.95,"end":97.509995,"sentiment":"neutral","sentiment_score":-0.04386043921113014}],"sentiment":"neutral","sentiment_score":-0.04386043921113014,"channel":1,"num_words":2,"start":96.95,"end":97.509995},{"sentences":[{"text":"'19","start":97.329994,"end":97.81,"sentiment":"neutral","sentiment_score":-0.045780472457408905}],"sentiment":"neutral","sentiment_score":-0.045780472457408905,"channel":0,"num_words":1,"start":97.329994,"end":97.81},{"sentences":[{"text":"the problem.","start":97.509995,"end":98.09,"sentiment":"neutral","sentiment_score":-0.052443522959947586}],"sentiment":"neutral","sentiment_score":-0.052443522959947586,"channel":1,"num_words":2,"start":97.509995,"end":98.09},{"sentences":[{"text":"thousand $5.58 and 57¢","start":97.81,"end":100.85,"sentiment":"neutral","sentiment_score":0.00014505566408236822}],"sentiment":"neutral","sentiment_score":0.00014505566408236822,"channel":0,"num_words":4,"start":97.81,"end":100.85},{"sentences":[{"text":"Yep.","start":100.634995,"end":101.134995,"sentiment":"neutral","sentiment_score":0.03355126827955246}],"sentiment":"neutral","sentiment_score":0.03355126827955246,"channel":1,"num_words":1,"start":100.634995,"end":101.134995},{"sentences":[{"text":"there.","start":100.85,"end":101.35,"sentiment":"neutral","sentiment_score":0.034684229642152786},{"text":"I'm just gonna have a quick look at the contributions because I wanna see if there's another one that's supposed to have gone in this month","start":102.564995,"end":110.645,"sentiment":"neutral","sentiment_score":0.022371157788886473}],"sentiment":"neutral","sentiment_score":0.022827197487155598,"channel":0,"num_words":27,"start":100.85,"end":110.645},{"sentences":[{"text":"Yeah.","start":110.395,"end":110.895,"sentiment":"neutral","sentiment_score":0.03600427508354187}],"sentiment":"neutral","sentiment_score":0.03600427508354187,"channel":1,"num_words":1,"start":110.395,"end":110.895},{"sentences":[{"text":"at all","start":110.645,"end":111.384995,"sentiment":"neutral","sentiment_score":0.046002767980098724}],"sentiment":"neutral","sentiment_score":0.046002767980098724,"channel":0,"num_words":2,"start":110.645,"end":111.384995},{"sentences":[{"text":"Yep.","start":111.115,"end":111.615,"sentiment":"neutral","sentiment_score":0.05127323791384697}],"sentiment":"neutral","sentiment_score":0.05127323791384697,"channel":1,"num_words":1,"start":111.115,"end":111.615},{"sentences":[{"text":"just","start":112.485,"end":112.805,"sentiment":"neutral","sentiment_score":0.02870700322091579}],"sentiment":"neutral","sentiment_score":0.02870700322091579,"channel":0,"num_words":1,"start":112.485,"end":112.805},{"sentences":[{"text":"Looks 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cap.","start":113.05,"end":115.630005,"sentiment":"neutral","sentiment_score":-0.013629976246092055}],"sentiment":"neutral","sentiment_score":-0.013629976246092055,"channel":1,"num_words":9,"start":113.05,"end":115.630005},{"sentences":[{"text":"Yay.","start":115.19,"end":115.69,"sentiment":"positive","sentiment_score":0.5015131831169128},{"text":"You're right.","start":116.310005,"end":117.21,"sentiment":"neutral","sentiment_score":0.1760038398206234},{"text":"So it looks like they go in twenty ninth and fifth, the fifth and fifth.","start":119.43,"end":123.75,"sentiment":"neutral","sentiment_score":0.10556356261173884},{"text":"It looks like they go in every fortnight.","start":123.75,"end":125.53,"sentiment":"neutral","sentiment_score":0.11373836733400822},{"text":"So that one was made on the twenty ninth of the fifth, and then the other one before that was the twenty fifth of the 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later.","start":448.23502,"end":448.95502,"sentiment":"positive","sentiment_score":0.4309578835964203},{"text":"Bye.","start":448.95502,"end":449.45502,"sentiment":"neutral","sentiment_score":-0.08899196237325668}],"sentiment":"neutral","sentiment_score":0.30097042210400105,"channel":0,"num_words":4,"start":448.23502,"end":449.45502}]},"summary":{"result":"success","short":"Scott called in to inquire about making a contribution to his financial plan. Summer explains that he can make a contribution directly through Hub 24 and provides information on how to do so. They discuss the possibility of claiming the notice of intent for the next few weeks and talk about tax savings. The agent offers to reassess Scott's financial situation and update him on his tax contributions. They end the conversation on a pleasant note, with plans to talk again soon."},"intents":{"segments":[{"text":"I I wanna know if I can make a concessional contribution to my super.","start_word":110,"end_word":123,"intents":[{"intent":"Request concessional contribution for super","confidence_score":0.00012488753}]},{"text":"I I wanna know if I can make a concessional contribution to my super. And do I go just through Hub 24, or do we go through you? What's the easiest Yes. way of doing Not that? it's you absolutely can. So let me just pull up your file for you and have a look at what your contributions were for this year so far. Yep.","start_word":110,"end_word":175,"intents":[{"intent":"Check contribution amount","confidence_score":0.09945821}]},{"text":"So you just let me know once the contribution's being made. I'll check that it goes into the account for you, Yep. and So then we can claim that notice of intent for you nice and easy. So alright.","start_word":244,"end_word":282,"intents":[{"intent":"Confirm receipt of contribution","confidence_score":0.061451953}]},{"text":"So it looks like they go in twenty ninth and fifth, the fifth and fifth. It looks like they go in every fortnight. So that one was made on the twenty ninth of the fifth, and then the other one before that was the twenty fifth of the fifth.","start_word":352,"end_word":400,"intents":[{"intent":"Confirm payment schedule","confidence_score":0.0050581503}]},{"text":"when you are ready to do that, let me know, and I can book you both in for a really Yep. good conversation.","start_word":743,"end_word":765,"intents":[{"intent":"Book conversation","confidence_score":0.35458907}]},{"text":"check your MyGov account to see if they allow you, see if it was under 500 last financial year.","start_word":1034,"end_word":1052,"intents":[{"intent":"Check account status","confidence_score":0.04015087}]},{"text":"I think from memory, it was, like, $5.27 or 5. Yeah. I It was have a low feeling fives. it was yeah. Yeah. I'll go back to balance That's fine, mate. as If of I put that in at least, that's gonna, June. a, help me with the tax this year Yeah.","start_word":1069,"end_word":1120,"intents":[{"intent":"Pay tax","confidence_score":0.545437}]},{"text":"And do you want me to just call you or just message you, or what's the easiest Do you way still have my email?","start_word":1214,"end_word":1237,"intents":[{"intent":"Confirm payment method","confidence_score":0.009091108}]},{"text":"to Do you want me to send you an email now? yep.","start_word":1238,"end_word":1249,"intents":[{"intent":"Provide email","confidence_score":0.00931929}]},{"text":"to Do you want me to send you an email now? yep. That'll be fine. Yeah. Just to Yep. make sure that Beautiful. I'm I'm That pretty way sure you I do have it. But, yeah, Yeah. send that to me, and then I can just send the confirmation back back Yeah.","start_word":1238,"end_word":1289,"intents":[{"intent":"Send confirmation email","confidence_score":0.13388728},{"intent":"Send confirmation email","confidence_score":0.06967966}]},{"text":"deductible contribution there for you.","start_word":1340,"end_word":1344,"intents":[{"intent":"Provide deduction contribution","confidence_score":0.009995347}]}]},"sentiments":{"segments":[{"text":"Hey, John. Hi.","start_word":0,"end_word":2,"sentiment":"neutral","sentiment_score":0.18342721462249756},{"text":"Good morning. How are you? I'm good. How are you? Good.","start_word":3,"end_word":13,"sentiment":"positive","sentiment_score":0.5093351602554321},{"text":"Scott Andrews has just called in. He's just asked to have a quick chat with you. I know you've got an appointment at 10:30, but he just said it'll be a quick chat. So I just thought if you're free Yeah. Yeah.","start_word":14,"end_word":55,"sentiment":"neutral","sentiment_score":0.12555934488773346},{"text":"That's absolutely fine.","start_word":56,"end_word":58,"sentiment":"positive","sentiment_score":0.5834073424339294},{"text":"Send him through. Got him here in oh, front yeah. of me.","start_word":59,"end_word":70,"sentiment":"neutral","sentiment_score":0.24176712334156036},{"text":"Perfect. Security is all done too.","start_word":71,"end_word":76,"sentiment":"positive","sentiment_score":0.4886685013771057},{"text":"Okay. No worries at all.","start_word":77,"end_word":81,"sentiment":"neutral","sentiment_score":0.27785393595695496},{"text":"Alright. See you, babe. Thanks.","start_word":82,"end_word":86,"sentiment":"positive","sentiment_score":0.5186375379562378},{"text":"Bye. Hey, Scott. Listen. How are you? Yep.","start_word":87,"end_word":94,"sentiment":"neutral","sentiment_score":0.2165723443031311},{"text":"Good. Not too bad.","start_word":95,"end_word":98,"sentiment":"positive","sentiment_score":0.4220234155654907},{"text":"Yourself?","start_word":99,"end_word":99,"sentiment":"neutral","sentiment_score":0.3040195107460022},{"text":"I'm very well. Thank you. How can I help you?","start_word":100,"end_word":109,"sentiment":"positive","sentiment_score":0.5262908339500427},{"text":"I I wanna know if I can make a concessional contribution to my super. And do I go just through Hub 24, or do we go through you? What's the easiest Yes. way of doing Not that? it's you absolutely can. So let me just pull up your file for you and have a look at what your contributions were for this year so far. Yep.","start_word":110,"end_word":175,"sentiment":"neutral","sentiment_score":0.10769959539175034},{"text":"Appreciate Essentially, it, Summer.","start_word":176,"end_word":179,"sentiment":"positive","sentiment_score":0.3899948298931122},{"text":"the way the way the best way to go about it, depending on what you're comfortable with, is you can just make that contribution direct to Hub twenty four so I can send you the information. Once you do deposit those funds in Hub twenty four, are you wanting to claim the notice of intent for that one? Yes. Yes. I am. Yeah.","start_word":180,"end_word":242,"sentiment":"neutral","sentiment_score":0.13850116729736328},{"text":"Perfect.","start_word":243,"end_word":243,"sentiment":"positive","sentiment_score":0.5154393315315247},{"text":"So you just let me know once the contribution's being made. I'll check that it goes into the account for you, Yep. and So then we can claim that notice of intent for you nice and easy. So alright. So total contributions for this financial year, you've made Not in '19 the problem. thousand $5.58 and 57<unk> Yep. there. I'm just gonna have a quick look at the contributions because I wanna see if there's another one that's supposed to have gone in this month Yeah. at all Yep. just Looks like to we see. put 10,000 in to keep me under the cap.","start_word":244,"end_word":348,"sentiment":"neutral","sentiment_score":0.0838656798005104},{"text":"Yay.","start_word":349,"end_word":349,"sentiment":"positive","sentiment_score":0.5015131831169128},{"text":"You're right. So it looks like they go in twenty ninth and fifth, the fifth and fifth. It looks like they go in every fortnight. So that one was made on the twenty ninth of the fifth, and then the other one before that was the twenty fifth of the fifth. It doesn't really kind of every week. And then Yeah. the fifteenth. Yeah. I do So it get looks paid like they weekly. go in So kind of yep. every week. Yeah. So BHP are putting them in weekly for you by the looks of things, which is fine. If we account for the next few, they're all very much the same. Yep. Fine. Yep. So $1.97 58. $1.97 and 58<unk>. We would be expecting on average the last one was the fifth, so last week. One, two, three, Yep. maybe four more contributions depending on when they put the last one in for June because the the financial year kinda runs out on a Wednesday. So Right. depending Which is on payday. what day Yep. they put your Yep. last one in, Yep. but that will account for four just to keep it on the safe side for you. Yep. 58 by four. So you should be expecting, hopefully, about another $790.32 to go in. Yep. So then I'm if trying I to put just. yeah. Sorry. My computer's thinking about going back to the other screen. Yeah. I do apologize, Scott. That's alright. How's everything been going? I know Lisa Yep. said that you'd dropped an hour Yep. back and Yep. It hasn't made much of a change to well, yeah, because of the tax savings on pay wise and and I don't know. I've yeah. sold a property this year, so I mean, the top tax bracket anyway. So that's the other reason, but it's going good. Yeah. And and then I'll just gonna look at just pumping the super back up to the full amount once we get everything sorted out. Yeah. Absolutely. Yeah. Record this. I'll just I pay did the difference that I'm I'm not making. Yeah. yeah. No.","start_word":350,"end_word":706,"sentiment":"neutral","sentiment_score":0.0594430603399998},{"text":"That's definitely fine.","start_word":705,"end_word":707,"sentiment":"positive","sentiment_score":0.7197450399398804},{"text":"I know speaking to Lisa last time, she wanted to do another catch up with the two of you Yeah. Yeah.","start_word":708,"end_word":728,"sentiment":"neutral","sentiment_score":0.1486130654811859},{"text":"and reassess all the advice as a whole, which is absolutely fine. So Yep. when you are ready to do that, let me know, and I can book you both in for a really Yep. good conversation. We'll reassess everything and go back the drawing board and update all Yep.","start_word":729,"end_word":778,"sentiment":"positive","sentiment_score":0.4343335032463074},{"text":"the advice for you as both as Yep. well. Easy. So we've got 30,000. That brings us up to $20,003.48 and 89<unk> approximately, which gives us a cap space of approximately $9,651.11. So if Now I just put $9.05 in to be safe so we don't go over it. Or how much is it if you do go over it? Or If you go over it, it's taxed at the highest marginal tax rate yeah. minus Righto. the offset for the the tax that's put into it. So Yep. it's really best 15 not percent to kind tax of for go the over yep. that. No. Over. Yeah. Yep.","start_word":779,"end_word":888,"sentiment":"neutral","sentiment_score":0.05169962719082832},{"text":"Excellent.","start_word":889,"end_word":889,"sentiment":"positive","sentiment_score":0.4610219001770019},{"text":"It's just more The mucking other around thing for the is yeah. Correct. Correct. For $9.05. So Your that belt that leaves us that'll leave us a bit of leeway there. it does. Yeah. So, I mean, $9.05 still gives you that extra. So that's minus 9,500. It's still giving us an extra $151. Just in case I And pay I've too accounted much. Yes. for yeah. With the with the extra contributions going in, that's 790. I kinda factored in four weeks, not so much three, because they may only put Yep. the next three, which gives you a bit of space, but Yep. they may also put in the extra. Unfortunately, because your balance is over 600,000, it's over that $500,000 mark, it looks like you probably don't have access to any catch up contribution, but you Yep. could No. always Yeah. check your MyGov account to see if they allow you, see if it was under 500 last financial year. I might Yep. even be able to quickly go back to them and see what that was. I think from memory, it was, like, $5.27 or 5. Yeah. I It was have a low feeling fives. it was yeah. Yeah. I'll go back to balance That's fine, mate. as If of I put that in at least, that's gonna, June. a, help me with the tax this year Yeah. and b pump up the super. So oh, Yeah. yes. I just I just pay that through. I did find the BSB, and and you just pick which number you're paying into. So I just pay it. Yep. So just just the Yeah. one with Because the voluntary, there wasn't a con it goes yes. Into Yeah. the voluntary Sorry? one. Yep. Yeah. Because there wasn't Yeah. a Yeah. concessional. Into the voluntary. Yeah. Yep. And Yeah. then Yeah. you can just Absolutely. tell them yep. But I wanna make that payment today. And do you want me to just call you or just message you, or what's the easiest Do you way still have my email? to Do you want me to send you an email now? yep. That'll be fine. Yeah. Just to Yep. make sure that Beautiful. I'm I'm That pretty way sure you I do have it. But, yeah, Yeah. send that to me, and then I can just send the confirmation back back Yeah. That's absolutely fine. Not a problem at all. So I'll just send an email. Now that way you've got it, just let me to know once it's gone in. you. We'll Yep. double check it. And as soon as we see that arrive, we'll be able to do that Yep. deductible contribution there for you.","start_word":890,"end_word":1344,"sentiment":"neutral","sentiment_score":0.06323269906934802},{"text":"It's not a problem Cool. at all.","start_word":1345,"end_word":1351,"sentiment":"positive","sentiment_score":0.3897992968559265},{"text":"Alright Okay? then.","start_word":1352,"end_word":1354,"sentiment":"neutral","sentiment_score":0.30691227316856384},{"text":"Thanking you. Easy. My Okay. pleasure. I hope you have a good day.","start_word":1355,"end_word":1367,"sentiment":"positive","sentiment_score":0.5920100212097168},{"text":"If there's anything You else too. you need, don't ever hesitate. Yep.","start_word":1368,"end_word":1379,"sentiment":"neutral","sentiment_score":0.13667145371437073},{"text":"Okay. Thanks, Scott. Brilliant. Talk soon. Bye. See you later.","start_word":1380,"end_word":1389,"sentiment":"positive","sentiment_score":0.6417226195335388},{"text":"Bye.","start_word":1390,"end_word":1390,"sentiment":"neutral","sentiment_score":0.24941587448120117}],"average":{"sentiment":"neutral","sentiment_score":0.12152300382915296}}}}