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No. Like, last Friday, I went through and did, like, a a bit of a bulk send, but I was sending like, calling, sending, file noting, and I was really, really onto it doing the file note. I double checked to make sure, like, I didn't miss him, and I didn't like, I didn't send anything, and I can't see anything either. So oh, you want do you wanna know who sent it? So if you go to the NOI spreadsheet, it has CSO assigned next to it. And any of the ones that I sent, I put my initials next to it, same as everyone else, and the initials next to it, the w s. So, yeah, pop him through. Hi, Carla. How are you going? Yeah. Really good. Thank you. I understand you were just reaching out with respect to the notes of intent or the the the contribution email you received. Yeah. Cool. I had a look through the system. I can see the email that you got sent. It was just buried in your file, unfortunately. Maddie couldn't see it straight up. But with respect to that one, basically, the the reason we send those emails is when we know that the client adds any contributions to their fund personally, We always wanna sort of make sure that from a tax perspective, we can investigate that and see whether there's any benefit to converting those funds from a personal contribution basically into something like an employer contribution. So from a, I guess, like a the the terminology is from non concessional or the personal to concessional. So the concessional contributions tax at the at the superannuation rate versus a non concessional or a personal contribution means that you've already been taxed at your highest marginal tax rate. Now I know that you have put in twenty nine thousand two hundred and thirty six dollars and sixty four cents into your fund concessionally from, like, employment contributions, and the limit is $30,000 in a year. But I guess the conversation and and what I sort of wanna, I guess, dig into and see is do we have the availability to claim? Because you you put in $88,200, like, nonconcessional or personally. And it's a, I guess, a conversation to see whether we claim some of that, claim all of that, how that works, what that triggers, and I guess the the point of you putting the money in. Because theoretically speaking, your balance is under $500,000, so we actually can utilize some of your previous financial year contribution caps. Tell me to slow down if I'm going too fast or if none of this is making sense. Cool. So so because we can use some of the previous years, like, concessional contribution caps, we could theoretically claim the at least some or all of that $8,200. I'd obviously need to dig in a little bit deeper and just make sure that we have the room to claim all of it given your your income. Basically, yeah. Yeah. Yep. Okay. Well, if you wanna claim, basically, the $800 that we can claim so we max out that year, the rest of the money stays as an so we could claim that $800 concessionally. We fully capped that year out. Means you have a bit of a tax deduction that you can pop onto your onto your tax return. It's not a lot, but it's a little bit that we can obviously claim. And then the rest of that stays nonconcessional. So it means that there's just a little bit more money in the in the fund to be able to compound over time and keep boosting on your retirement savings that way. Yep. It it does. Providing your balance stays under $500,000 at the turn of the financial year, so from June 30, you are able to look back on previous financial years and basically claw forward any of the unused space. But once your balance rolls over $500,000, you no longer have the availability to look back on previous years, and that that avenue becomes closed too. Yes. As in, like, your exact return figure or your balance figure? Yes. No. And and, honestly, it's pretty reasonable for you to leave that $800 to be able to look back on it for this financial year because it gives you that availability to do so rather than utilizing it for just this year. So that way, if your contributions do go over this year, you have that that room, which is good. So net net of all fees, you're looking at 7.89. So that's after all fees and after everything else. That's the $7.08 9. So the 9 whatever it was that you sort of quoted probably sounds about right from a gross perspective. Yeah. Well, economically speaking, even though there have been quite a number of, like, legislative changes even within our own country, it's actually looking like things are going to improve quite a little bit across some of the market segments. Like, don't me wrong. Not all market segments are gonna always improve, which is why diversification is always important. But when it comes down to to some of the legislation changes, like the tax changes that have just gone through for Australia, things are actually looking quite positive. Even though a lot of people are pretty skeptical about them, they're actually not as bad as what everyone's sort of saying they are to begin with. So I am actually quite hopeful that come the end of this year, things are actually gonna sort of turn around quite nicely. But capital gains doesn't just affect property. Like, negative gearing affects property, but capital gains affects any investment even when you hold, you know, shares and stocks. Super's treated differently from a capital gains perspective, but it does get it doesn't does incur capital gains. Once you hit retirement phase and move into a full retirement fund, no. Capital gains no longer becomes relevant. But within a superannuation environment or accumulation, capital gains is definitely there. It's just calculated very differently to personal capital gains. Yep. Yep. Like an investment account. Income. Yeah. Concessional has gone up to 32 and a half. Yes. And then the nonconcessional has gone up to a 130. Yep. Mhmm. What see whether you drop it. So what you could do so there's there's a couple of different methodologies to it because you are because your income is quite high and you do, you know, obviously, contribute as well, what there's, like, I guess, two two methodologies to it. You, a, just, like, calculate to a degree what your what your income is expected to be and how much you therefore have in a gap. Leave a little bit of wiggle room in case you get a little bit of bonus or an increase or whatever the case may be, and we run with that methodology. If you do get an increase that is going to exceed anything, then we we were we, you know, reduce it midway through the year. The other methodology is that ongoing through the year, providing you can be without the income, you instead of salary sacrificing, you contribute nonconcessional, so after you've been taxed at your marginal rate. It means that throughout the year from a tax perspective, you pay the highest marginal rate based on your income. Your super fund ends up with basically tax paid money, so it pays no tax during the year, which means there's more money to invest throughout the year, more compounding. And then in July, like, we're having a conversation now, we send out an email always in that June, July period to be like, hey. You've made personal contributions. Let's claim. And we can do the calculation to figure out what the gap is. So it means that if you've put in $8,000 throughout the year, your employer has put in, you know, $25,000, we can claim that gap all the way up to the 32.5. So that way, we we know we're we're covering down to every single cent. Because even if we do calculate as much as possible from a salary sacrifice point of view, there's always gonna come a time where there is a little bit of a gap because dollars and cents. So the the nonconcessional contribution methodology does work really nicely from that degree, especially if you're wanting to utilize as much as possible. And then from a tax perspective, when we submit the notice of intent to claim, what that does is it notifies the Superfund to pay its 15% tax obligation, and you get to then claim your marginal rate back. So tax wise, it all washes out the same way as if you salary sacrifice versus if you were to do it as a personal claim. And it it's they're called personal deductible contributions is how is what that strategy is. So you put the money in nonconcessionally, so after tax paid, and then you submit we can submit the document. All I need is your verbal go ahead to submit it. I can submit the document for you. And once it's submitted, it takes the fund between three to five days to authorize it. They submit a notice to the ATO. You get a receipt emailed as well, so that way you have one for your tax file. But the ATO is notified. So when you do your tax return, it's already sitting there on your file like your employer's information is. So there there's, I guess, those two methods. It's just, I guess, dependent on how specifically you would like to run it. Like, where I can definitely we can definitely run with, like, the January touch base. Like, there's absolutely nothing wrong with that point. January touch base where it's just a pay slip to say, hey. I've been paid this much. I expect to continue earning my same rate, or, actually, I'm gonna get a pay rise or whatever the case may be or, you know, employer bargaining agreements happened, and we're getting paid 14% contributions rather than 12. And we can negotiate there. Obviously, if you jumped up to 14%, this is probably not gonna be it's not gonna work out nicely, but there is sort of that that that way as well. Yeah. Yep. Yes. Yeah. Because your your your your employee can pay it your employee can pay it nonconcessionally. So it can you can continue paying it the way you're paying it now, like, as if it was a salary sacrifice. But it's just in the back end, instead of it being a salary sacrifice arrangement and your employer not charging marginal tax on that amount, they would charge marginal tax and then out of your net income then pay to your super fund. And your employer can literally set it up in, like, zero or whatever pay software they use. But what I'll do for this what I'll do for the $25.26 tax year is I will leave the personal contribution that you've made as a personal contribution. I will leave the slight gap that you have in your concessional cap as it stands, and we can revisit it June, July 2027 as to what your balance looks like and how much we can claim. Because if you if you make personal contributions throughout the year or if you make a lump sum, whatever the case may be, you know, we'll still touch base with you in January anyway, and we can kinda do a calculation as to how you're tracking, and and we can kinda go from there. Perfect. Absolutely. No. You're fine. Call me. Yes. No. You're okay. Yes. Mhmm. Yep. Yep. Personal. I can calculate it for you. But, realistically speaking, investment wise, unless your mortgage is sitting at 9%, investment compound is going to outbeat your six, six and a half percent mortgage in terms of interest versus interest incurred on a mortgage. However, the downside to that is is that paying money off your mortgage is guaranteed savings versus the risk that's associated with any form of investment. You have down years. Yes. With so there's there's, I guess so there's there's there's the exact there's the exact two thought process that we just had, which is do I guess, do you focus on putting money into your mortgage to make sure that is it pay it down quicker? And then after that point, then you can redirect your funds towards retirement savings, which will then give you less time to have that compound, which history shows that compounding over a longer period of time gets you better outcomes every time. Or do you direct as much as you can towards compounding on your investment and pay down the mortgage at the rate that you're currently paying it, which is gonna take x amount of time longer. The only way I could really look at it would be to model it out properly to get the time frames, what's left on your mortgage, what the interest rate is, you know, if you were to pay x amount more to your mortgage, how much interest is gonna be saved, and how much quicker would you actually pay it down. And I can 100% do that. All I need is a a mortgage snapshot to be able to sort of give you that information, and then I can just kind of direct the money that you're currently salary sacrificing towards paying off the mortgage and show you what that outcome is versus the salary sacrifice arrangement. And it gives you it gives you information so you can make an informed decision, and we can chat about it. Doesn't have to be today. Doesn't have to be tomorrow. If you wanna just sit on it for now, we can talk in January. It's it it's fine either either way. I'm I'm I'm very happy to do it for you now. But like I said, I just need a snapshot of the mortgage to be able to do so. Yeah. Yep. The the yes. The the biggest takeaway I have for you is, realistically, you need to continue non concessionally contributing at least a little bit. So that way, when the end of the year turns around, we can put that claim in. Because it's it's you you have a 100 sorry. A 100 $425,425,000 in your account now. So it's not it's not gonna be long before you do flip over to that 9 to that 500, which, again, closes off that avenue for you to be able to look back. But if you make the non concessional contributions within the financial year, you can NOI claim them. It's not looking back at all. You are able to NOI claim them. So if you make them this year, we can look back on last year and claim that $800 if your account does flip over that 500,000 by the end of this fine this current financial 2027 year. Yep. What's your what's your second income in this? Lose? What's what's your what's your expected income to be what are you what are you expecting your income to change to? Yes. Yeah. Day to twelve. Okay. Alright. That's okay. No. That's that's not an issue at all. If yeah. I mean, once you do know your income, if you can even just, like, flick an email through to myself or Tommy or through to one of the admin email addresses, and they'll get it through to Tommy or I just so we can have a look. And then we just send you an email saying, like, you know, still fine or whatever the case may be just so we we can keep a little bit of an eye on it as well from the income perspective. Alright. So 7 $5.65 is your gross? Is that the monthly, fortnightly, weekly fortnightly call? Because the 45¢ matters. Cool. So fortnightly income of $7.05 65 would mean that annually your income's about $126.84. Cool. Which means contributions on that from your employer Nope. Cool. That's that's better. Sorry. I had a setting wrong. Oh, and that was your net anyway. Sorry. Gross income is $1.96, $6.90. That sounds better, doesn't it? And that mathematically makes sense now. I was looking at it. I'm like, where where is what is wrong? Why is settings wrong? Because I was working on another client before you called in, which means that super contributions direct from your employer would be sitting around the $23,600. So gap wise, we don't have heaps to move with, but we've got a little bit. It's, you know, sort of $99,000 roughly. So $8.80 900 if you wanna be specific. So, theoretically, 8,900 across the year, like, 26 periods, you've got sort of $340 per fortnight that you could pop in. But that that's getting real close to you. That's getting that's that is, like, pretty muchly on your cap, and you could blow out really easily with some overtime or whatever the case may be. Mhmm. Popping out. Yeah. Yes. Yep. Absolutely. I would definitely agree with that. Going 200 on the on your sales tax would, yeah, would be I wouldn't go more. Good for now. Perfect. Amazing. Well, if there is anything else that pops up what you that you think of or wanna talk about, please feel free to give us a call. Absolutely no issues at all. Perfect. Well, thanks for the cold call. Will do. You too. 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morning. Carl. Larissa here. How are you going? No.\n\nLike, last Friday, I went through and did, like, a a bit of a bulk send, but I was sending like, calling, sending, file noting, and I was really, really onto it doing the file note. I double checked to make sure, like, I didn't miss him, and I didn't like, I didn't send anything, and I can't see anything either. So oh, you want do you wanna know who sent it? So if you go to the NOI spreadsheet, it has CSO assigned next to it. And any of the ones that I sent, I put my initials next to it, same as everyone else, and the initials next to it, the w s.\n\nSo, yeah, pop him through. Hi, Carla. How are you going? Yeah. Really good.\n\nThank you. I understand you were just reaching out with respect to the notes of intent or the the the contribution email you received. Yeah. Cool. I had a look through the system.\n\nI can see the email that you got sent. It was just buried in your file, unfortunately. Maddie couldn't see it straight up. But with respect to that one, basically, the the reason we send those emails is when we know that the client adds any contributions to their fund personally, We always wanna sort of make sure that from a tax perspective, we can investigate that and see whether there's any benefit to converting those funds from a personal contribution basically into something like an employer contribution. So from a, I guess, like a the the terminology is from non concessional or the personal to concessional.\n\nSo the concessional contributions tax at the at the superannuation rate versus a non concessional or a personal contribution means that you've already been taxed at your highest marginal tax rate. Now I know that you have put in twenty nine thousand two hundred and thirty six dollars and sixty four cents into your fund concessionally from, like, employment contributions, and the limit is $30,000 in a year. But I guess the conversation and and what I sort of wanna, I guess, dig into and see is do we have the availability to claim? Because you you put in $88,200, like, nonconcessional or personally. And it's a, I guess, a conversation to see whether we claim some of that, claim all of that, how that works, what that triggers, and I guess the the point of you putting the money in.\n\nBecause theoretically speaking, your balance is under $500,000, so we actually can utilize some of your previous financial year contribution caps. Tell me to slow down if I'm going too fast or if none of this is making sense. Cool. So so because we can use some of the previous years, like, concessional contribution caps, we could theoretically claim the at least some or all of that $8,200. I'd obviously need to dig in a little bit deeper and just make sure that we have the room to claim all of it given your your income.\n\nBasically, yeah. Yeah. Yep. Okay. Well, if you wanna claim, basically, the $800 that we can claim so we max out that year, the rest of the money stays as an so we could claim that $800 concessionally.\n\nWe fully capped that year out. Means you have a bit of a tax deduction that you can pop onto your onto your tax return. It's not a lot, but it's a little bit that we can obviously claim. And then the rest of that stays nonconcessional. So it means that there's just a little bit more money in the in the fund to be able to compound over time and keep boosting on your retirement savings that way.\n\nYep. It it does. Providing your balance stays under $500,000 at the turn of the financial year, so from June 30, you are able to look back on previous financial years and basically claw forward any of the unused space. But once your balance rolls over $500,000, you no longer have the availability to look back on previous years, and that that avenue becomes closed too. Yes.\n\nAs in, like, your exact return figure or your balance figure? Yes. No. And and, honestly, it's pretty reasonable for you to leave that $800 to be able to look back on it for this financial year because it gives you that availability to do so rather than utilizing it for just this year. So that way, if your contributions do go over this year, you have that that room, which is good.\n\nSo net net of all fees, you're looking at 7.89. So that's after all fees and after everything else. That's the $7.08 9. So the 9 whatever it was that you sort of quoted probably sounds about right from a gross perspective. Yeah.\n\nWell, economically speaking, even though there have been quite a number of, like, legislative changes even within our own country, it's actually looking like things are going to improve quite a little bit across some of the market segments. Like, don't me wrong. Not all market segments are gonna always improve, which is why diversification is always important. But when it comes down to to some of the legislation changes, like the tax changes that have just gone through for Australia, things are actually looking quite positive. Even though a lot of people are pretty skeptical about them, they're actually not as bad as what everyone's sort of saying they are to begin with.\n\nSo I am actually quite hopeful that come the end of this year, things are actually gonna sort of turn around quite nicely. But capital gains doesn't just affect property. Like, negative gearing affects property, but capital gains affects any investment even when you hold, you know, shares and stocks. Super's treated differently from a capital gains perspective, but it does get it doesn't does incur capital gains. Once you hit retirement phase and move into a full retirement fund, no.\n\nCapital gains no longer becomes relevant. But within a superannuation environment or accumulation, capital gains is definitely there. It's just calculated very differently to personal capital gains. Yep. Yep.\n\nLike an investment account. Income. Yeah. Concessional has gone up to 32 and a half. Yes.\n\nAnd then the nonconcessional has gone up to a 130. Yep. Mhmm. What see whether you drop it. So what you could do so there's there's a couple of different methodologies to it because you are because your income is quite high and you do, you know, obviously, contribute as well, what there's, like, I guess, two two methodologies to it.\n\nYou, a, just, like, calculate to a degree what your what your income is expected to be and how much you therefore have in a gap. Leave a little bit of wiggle room in case you get a little bit of bonus or an increase or whatever the case may be, and we run with that methodology. If you do get an increase that is going to exceed anything, then we we were we, you know, reduce it midway through the year. The other methodology is that ongoing through the year, providing you can be without the income, you instead of salary sacrificing, you contribute nonconcessional, so after you've been taxed at your marginal rate. It means that throughout the year from a tax perspective, you pay the highest marginal rate based on your income.\n\nYour super fund ends up with basically tax paid money, so it pays no tax during the year, which means there's more money to invest throughout the year, more compounding. And then in July, like, we're having a conversation now, we send out an email always in that June, July period to be like, hey. You've made personal contributions. Let's claim. And we can do the calculation to figure out what the gap is.\n\nSo it means that if you've put in $8,000 throughout the year, your employer has put in, you know, $25,000, we can claim that gap all the way up to the 32.5. So that way, we we know we're we're covering down to every single cent. Because even if we do calculate as much as possible from a salary sacrifice point of view, there's always gonna come a time where there is a little bit of a gap because dollars and cents. So the the nonconcessional contribution methodology does work really nicely from that degree, especially if you're wanting to utilize as much as possible. And then from a tax perspective, when we submit the notice of intent to claim, what that does is it notifies the Superfund to pay its 15% tax obligation, and you get to then claim your marginal rate back.\n\nSo tax wise, it all washes out the same way as if you salary sacrifice versus if you were to do it as a personal claim. And it it's they're called personal deductible contributions is how is what that strategy is. So you put the money in nonconcessionally, so after tax paid, and then you submit we can submit the document. All I need is your verbal go ahead to submit it. I can submit the document for you.\n\nAnd once it's submitted, it takes the fund between three to five days to authorize it. They submit a notice to the ATO. You get a receipt emailed as well, so that way you have one for your tax file. But the ATO is notified. So when you do your tax return, it's already sitting there on your file like your employer's information is.\n\nSo there there's, I guess, those two methods. It's just, I guess, dependent on how specifically you would like to run it. Like, where I can definitely we can definitely run with, like, the January touch base. Like, there's absolutely nothing wrong with that point. January touch base where it's just a pay slip to say, hey.\n\nI've been paid this much. I expect to continue earning my same rate, or, actually, I'm gonna get a pay rise or whatever the case may be or, you know, employer bargaining agreements happened, and we're getting paid 14% contributions rather than 12. And we can negotiate there. Obviously, if you jumped up to 14%, this is probably not gonna be it's not gonna work out nicely, but there is sort of that that that way as well. Yeah.\n\nYep. Yes. Yeah. Because your your your your employee can pay it your employee can pay it nonconcessionally. So it can you can continue paying it the way you're paying it now, like, as if it was a salary sacrifice.\n\nBut it's just in the back end, instead of it being a salary sacrifice arrangement and your employer not charging marginal tax on that amount, they would charge marginal tax and then out of your net income then pay to your super fund. And your employer can literally set it up in, like, zero or whatever pay software they use. But what I'll do for this what I'll do for the $25.26 tax year is I will leave the personal contribution that you've made as a personal contribution. I will leave the slight gap that you have in your concessional cap as it stands, and we can revisit it June, July 2027 as to what your balance looks like and how much we can claim. Because if you if you make personal contributions throughout the year or if you make a lump sum, whatever the case may be, you know, we'll still touch base with you in January anyway, and we can kinda do a calculation as to how you're tracking, and and we can kinda go from there.\n\nPerfect. Absolutely. No. You're fine. Call me.\n\nYes. No. You're okay. Yes. Mhmm.\n\nYep. Yep. Personal. I can calculate it for you. But, realistically speaking, investment wise, unless your mortgage is sitting at 9%, investment compound is going to outbeat your six, six and a half percent mortgage in terms of interest versus interest incurred on a mortgage.\n\nHowever, the downside to that is is that paying money off your mortgage is guaranteed savings versus the risk that's associated with any form of investment. You have down years. Yes. With so there's there's, I guess so there's there's there's the exact there's the exact two thought process that we just had, which is do I guess, do you focus on putting money into your mortgage to make sure that is it pay it down quicker? And then after that point, then you can redirect your funds towards retirement savings, which will then give you less time to have that compound, which history shows that compounding over a longer period of time gets you better outcomes every time.\n\nOr do you direct as much as you can towards compounding on your investment and pay down the mortgage at the rate that you're currently paying it, which is gonna take x amount of time longer. The only way I could really look at it would be to model it out properly to get the time frames, what's left on your mortgage, what the interest rate is, you know, if you were to pay x amount more to your mortgage, how much interest is gonna be saved, and how much quicker would you actually pay it down. And I can 100% do that. All I need is a a mortgage snapshot to be able to sort of give you that information, and then I can just kind of direct the money that you're currently salary sacrificing towards paying off the mortgage and show you what that outcome is versus the salary sacrifice arrangement. And it gives you it gives you information so you can make an informed decision, and we can chat about it.\n\nDoesn't have to be today. Doesn't have to be tomorrow. If you wanna just sit on it for now, we can talk in January. It's it it's fine either either way. I'm I'm I'm very happy to do it for you now.\n\nBut like I said, I just need a snapshot of the mortgage to be able to do so. Yeah. Yep. The the yes. The the biggest takeaway I have for you is, realistically, you need to continue non concessionally contributing at least a little bit.\n\nSo that way, when the end of the year turns around, we can put that claim in. Because it's it's you you have a 100 sorry. A 100 $425,425,000 in your account now. So it's not it's not gonna be long before you do flip over to that 9 to that 500, which, again, closes off that avenue for you to be able to look back. But if you make the non concessional contributions within the financial year, you can NOI claim them.\n\nIt's not looking back at all. You are able to NOI claim them. So if you make them this year, we can look back on last year and claim that $800 if your account does flip over that 500,000 by the end of this fine this current financial 2027 year. Yep. What's your what's your second income in this?\n\nLose? What's what's your what's your expected income to be what are you what are you expecting your income to change to? Yes. Yeah. Day to twelve.\n\nOkay. Alright. That's okay. No. That's that's not an issue at all.\n\nIf yeah. I mean, once you do know your income, if you can even just, like, flick an email through to myself or Tommy or through to one of the admin email addresses, and they'll get it through to Tommy or I just so we can have a look. And then we just send you an email saying, like, you know, still fine or whatever the case may be just so we we can keep a little bit of an eye on it as well from the income perspective. Alright. So 7 $5.65 is your gross?\n\nIs that the monthly, fortnightly, weekly fortnightly call? Because the 45¢ matters. Cool. So fortnightly income of $7.05 65 would mean that annually your income's about $126.84. Cool.\n\nWhich means contributions on that from your employer Nope. Cool. That's that's better. Sorry. I had a setting wrong.\n\nOh, and that was your net anyway. Sorry. Gross income is $1.96, $6.90. That sounds better, doesn't it? And that mathematically makes sense now.\n\nI was looking at it. I'm like, where where is what is wrong? Why is settings wrong? Because I was working on another client before you called in, which means that super contributions direct from your employer would be sitting around the $23,600. So gap wise, we don't have heaps to move with, but we've got a little bit.\n\nIt's, you know, sort of $99,000 roughly. So $8.80 900 if you wanna be specific. So, theoretically, 8,900 across the year, like, 26 periods, you've got sort of $340 per fortnight that you could pop in. But that that's getting real close to you. That's getting that's that is, like, pretty muchly on your cap, and you could blow out really easily with some overtime or whatever the case may be.\n\nMhmm. Popping out. Yeah. Yes. Yep.\n\nAbsolutely. I would definitely agree with that. Going 200 on the on your sales tax would, yeah, would be I wouldn't go more. Good for now. Perfect.\n\nAmazing. Well, if there is anything else that pops up what you that you think of or wanna talk about, please feel free to give us a call. Absolutely no issues at all. Perfect. Well, thanks for the cold call.\n\nWill do. You too. Bye.","paragraphs":[{"sentences":[{"text":"Good morning.","start":1.04,"end":1.8399999,"sentiment":"positive","sentiment_score":0.3390497863292694},{"text":"Carl.","start":1.8399999,"end":2.08,"sentiment":"neutral","sentiment_score":0.22774258255958557},{"text":"Larissa here.","start":2.08,"end":2.8,"sentiment":"neutral","sentiment_score":0.21631227433681488},{"text":"How are you going?","start":2.8,"end":3.6999998,"sentiment":"neutral","sentiment_score":0.2594740018248558},{"text":"No.","start":21.195,"end":21.595001,"sentiment":"neutral","sentiment_score":-0.23547330498695376}],"sentiment":"neutral","sentiment_score":0.21408894062042236,"num_words":10,"start":1.04,"end":21.595001},{"sentences":[{"text":"Like, last Friday, I went through and did, like, a a bit of a bulk send, but I was sending like, calling, sending, file noting, and I was really, really onto it doing the file note.","start":21.595001,"end":31.810001,"sentiment":"neutral","sentiment_score":-0.08454671698725885},{"text":"I double checked to make sure, like, I didn't miss him, and I didn't like, I didn't send anything, and I can't see anything either.","start":31.810001,"end":38.21,"sentiment":"neutral","sentiment_score":-0.2632375042140484},{"text":"So oh, you want do you wanna know who sent it?","start":38.21,"end":48.704998,"sentiment":"neutral","sentiment_score":-0.06899193945256146},{"text":"So if you go to the NOI spreadsheet, it has CSO assigned next to it.","start":49.965,"end":54.45,"sentiment":"neutral","sentiment_score":-0.007121020741760731},{"text":"And any of the ones that I sent, I put my initials next to it, same as everyone else, and the initials next to it, the w s.","start":54.45,"end":61.75,"sentiment":"neutral","sentiment_score":-0.021936833592397825}],"sentiment":"neutral","sentiment_score":-0.09656154263116744,"num_words":115,"start":21.595001,"end":61.75},{"sentences":[{"text":"So, yeah, pop him through.","start":62.21,"end":63.510002,"sentiment":"neutral","sentiment_score":-0.11468865908682346},{"text":"Hi, Carla.","start":70.045,"end":70.925,"sentiment":"neutral","sentiment_score":0.16237951070070267},{"text":"How are you going?","start":70.925,"end":71.905,"sentiment":"neutral","sentiment_score":0.22146326676011086},{"text":"Yeah.","start":74.765,"end":75.245,"sentiment":"neutral","sentiment_score":0.2166613936424255},{"text":"Really good.","start":75.245,"end":76.045,"sentiment":"positive","sentiment_score":0.5266568958759308}],"sentiment":"neutral","sentiment_score":0.13622456988585846,"num_words":14,"start":62.21,"end":76.045},{"sentences":[{"text":"Thank you.","start":76.045,"end":76.865005,"sentiment":"positive","sentiment_score":0.5188160538673401},{"text":"I understand you were just reaching out with respect to the notes of intent or the the the contribution email you received.","start":77.485,"end":85.43,"sentiment":"neutral","sentiment_score":0.05865203572267836},{"text":"Yeah.","start":87.65,"end":88.049995,"sentiment":"neutral","sentiment_score":0.13358944654464722},{"text":"Cool.","start":88.049995,"end":88.29,"sentiment":"neutral","sentiment_score":0.25174379348754883},{"text":"I had a look through the system.","start":88.29,"end":89.17,"sentiment":"neutral","sentiment_score":0.023441328534058163}],"sentiment":"neutral","sentiment_score":0.08719392222436992,"num_words":33,"start":76.045,"end":89.17},{"sentences":[{"text":"I can see the email that you got sent.","start":89.17,"end":90.95,"sentiment":"neutral","sentiment_score":-0.08018127166562611},{"text":"It was just buried in your file, unfortunately.","start":91.409996,"end":93.509995,"sentiment":"negative","sentiment_score":-0.336011603474617},{"text":"Maddie couldn't see it straight up.","start":93.89,"end":95.75,"sentiment":"neutral","sentiment_score":-0.2835797891020775},{"text":"But with respect to that one, basically, the the reason we send those emails is when we know that the client adds any contributions to their fund personally, We always wanna sort of make sure that from a tax perspective, we can investigate that and see whether there's any benefit to converting those funds from a personal contribution basically into something like an employer contribution.","start":98.024994,"end":121.49,"sentiment":"neutral","sentiment_score":0.09961456129184136},{"text":"So from a, I guess, like a the the terminology is from non concessional or the personal to concessional.","start":121.835,"end":128.895,"sentiment":"neutral","sentiment_score":0.026313381073506253}],"sentiment":"neutral","sentiment_score":0.017417735672581976,"num_words":107,"start":89.17,"end":128.895},{"sentences":[{"text":"So the concessional contributions tax at the at the superannuation rate versus a non concessional or a personal contribution means that you've already been taxed at your highest marginal tax rate.","start":129.275,"end":139.27,"sentiment":"neutral","sentiment_score":0.039013194040425365},{"text":"Now I know that you have put in twenty nine thousand two hundred and thirty six dollars and sixty four cents into your fund concessionally from, like, employment contributions, and the limit is $30,000 in a year.","start":139.73,"end":156.635,"sentiment":"neutral","sentiment_score":0.09052295278053026},{"text":"But I guess the conversation and and what I sort of wanna, I guess, dig into and see is do we have the availability to claim?","start":158.45499,"end":166.25,"sentiment":"neutral","sentiment_score":0.020817337557673454},{"text":"Because you you put in $88,200, like, nonconcessional or personally.","start":166.25,"end":172.75,"sentiment":"neutral","sentiment_score":0.008978164382278919},{"text":"And it's a, I guess, a conversation to see whether we claim some of that, claim all of that, how that works, what that triggers, and I guess the the point of you putting the money in.","start":173.68999,"end":182.435,"sentiment":"neutral","sentiment_score":0.03534306432246356}],"sentiment":"neutral","sentiment_score":0.046081447293519553,"num_words":141,"start":129.275,"end":182.435},{"sentences":[{"text":"Because theoretically speaking, your balance is under $500,000, so we actually can utilize some of your previous financial year contribution caps.","start":182.435,"end":192.72,"sentiment":"neutral","sentiment_score":0.007871558446259726},{"text":"Tell me to slow down if I'm going too fast or if none of this is making sense.","start":194.0,"end":197.38,"sentiment":"neutral","sentiment_score":-0.2750438526272774},{"text":"Cool.","start":198.88,"end":199.38,"sentiment":"neutral","sentiment_score":0.045082539319992065},{"text":"So so because we can use some of the previous years, like, concessional contribution caps, we could theoretically claim the at least some or all of that $8,200.","start":202.4,"end":212.735,"sentiment":"neutral","sentiment_score":0.15742581763437816},{"text":"I'd obviously need to dig in a little bit deeper and just make sure that we have the room to claim all of it given your your income.","start":212.735,"end":221.075,"sentiment":"neutral","sentiment_score":0.02936655722026314}],"sentiment":"neutral","sentiment_score":0.005101900159691771,"num_words":96,"start":182.435,"end":221.075},{"sentences":[{"text":"Basically, yeah.","start":229.11,"end":230.01001,"sentiment":"neutral","sentiment_score":-0.04848996363580227},{"text":"Yeah.","start":231.19,"end":231.69,"sentiment":"neutral","sentiment_score":-0.14300814270973206},{"text":"Yep.","start":249.16501,"end":249.66501,"sentiment":"negative","sentiment_score":-0.3702877461910248},{"text":"Okay.","start":253.24501,"end":253.74501,"sentiment":"neutral","sentiment_score":0.03459921479225159},{"text":"Well, if you wanna claim, basically, the $800 that we can claim so we max out that year, the rest of the money stays as an so we could claim that $800 concessionally.","start":253.99,"end":265.29,"sentiment":"neutral","sentiment_score":0.1576623267522364}],"sentiment":"neutral","sentiment_score":0.12176789951167609,"num_words":38,"start":229.11,"end":265.29},{"sentences":[{"text":"We fully capped that year out.","start":265.59,"end":267.29,"sentiment":"neutral","sentiment_score":0.21822553873062134},{"text":"Means you have a bit of a tax deduction that you can pop onto your onto your tax return.","start":267.935,"end":271.875,"sentiment":"neutral","sentiment_score":0.22715606344373604},{"text":"It's not a lot, but it's a little bit that we can obviously claim.","start":272.015,"end":275.375,"sentiment":"neutral","sentiment_score":0.16623973952872412},{"text":"And then the rest of that stays nonconcessional.","start":275.375,"end":278.675,"sentiment":"neutral","sentiment_score":0.10081005655229092},{"text":"So it means that there's just a little bit more money in the in the fund to be able to compound over time and keep boosting on your retirement savings that way.","start":278.895,"end":287.61002,"sentiment":"neutral","sentiment_score":0.2777374628931284}],"sentiment":"neutral","sentiment_score":0.2233766336229783,"num_words":79,"start":265.59,"end":287.61002},{"sentences":[{"text":"Yep.","start":303.64502,"end":304.14502,"sentiment":"negative","sentiment_score":-0.48579835891723633},{"text":"It it does.","start":322.45,"end":323.57,"sentiment":"neutral","sentiment_score":0.14007202039162317},{"text":"Providing your balance stays under $500,000 at the turn of the financial year, so from June 30, you are able to look back on previous financial years and basically claw forward any of the unused space.","start":323.57,"end":339.16498,"sentiment":"neutral","sentiment_score":0.06052412444518672},{"text":"But once your balance rolls over $500,000, you no longer have the availability to look back on previous years, and that that avenue becomes closed too.","start":340.55,"end":351.53,"sentiment":"neutral","sentiment_score":-0.16562943533062935},{"text":"Yes.","start":360.695,"end":361.195,"sentiment":"neutral","sentiment_score":-0.09210963547229768}],"sentiment":"neutral","sentiment_score":-0.03410729510125829,"num_words":67,"start":303.64502,"end":361.195},{"sentences":[{"text":"As in, like, your exact return figure or your balance figure?","start":377.925,"end":382.66498,"sentiment":"neutral","sentiment_score":-0.013586001259020784},{"text":"Yes.","start":430.91998,"end":431.16,"sentiment":"neutral","sentiment_score":0.14737102389335632},{"text":"No.","start":431.16,"end":431.48,"sentiment":"neutral","sentiment_score":0.11716143786907196},{"text":"And and, honestly, it's pretty reasonable for you to leave that $800 to be able to look back on it for this financial year because it gives you that availability to do so rather than utilizing it for just this year.","start":431.48,"end":446.185,"sentiment":"neutral","sentiment_score":0.2445224610770621},{"text":"So that way, if your contributions do go over this year, you have that that room, which is good.","start":447.285,"end":454.8,"sentiment":"positive","sentiment_score":0.39225494547894124}],"sentiment":"neutral","sentiment_score":0.24100481255031,"num_words":73,"start":377.925,"end":454.8},{"sentences":[{"text":"So net net of all fees, you're looking at 7.89.","start":455.41998,"end":459.52,"sentiment":"neutral","sentiment_score":0.0551535002887249},{"text":"So that's after all fees and after everything else.","start":460.46,"end":463.185,"sentiment":"neutral","sentiment_score":0.06118131387564871},{"text":"That's the $7.08 9.","start":464.465,"end":465.745,"sentiment":"neutral","sentiment_score":0.03377697663381696},{"text":"So the 9 whatever it was that you sort of quoted probably sounds about right from a gross perspective.","start":465.745,"end":472.725,"sentiment":"neutral","sentiment_score":0.028273570792455422},{"text":"Yeah.","start":530.545,"end":531.045,"sentiment":"neutral","sentiment_score":0.1685367375612259}],"sentiment":"neutral","sentiment_score":0.045186263184214745,"num_words":43,"start":455.41998,"end":531.045},{"sentences":[{"text":"Well, economically speaking, even though there have been quite a number of, like, legislative changes even within our own country, it's actually looking like things are going to improve quite a little bit across some of the market segments.","start":531.505,"end":547.89996,"sentiment":"neutral","sentiment_score":0.32087459759070325},{"text":"Like, don't me wrong.","start":547.89996,"end":548.955,"sentiment":"neutral","sentiment_score":0.16750481817871332},{"text":"Not all market segments are gonna always improve, which is why diversification is always important.","start":549.195,"end":554.575,"sentiment":"neutral","sentiment_score":0.19468769629796345},{"text":"But when it comes down to to some of the legislation changes, like the tax changes that have just gone through for Australia, things are actually looking quite positive.","start":557.435,"end":566.01,"sentiment":"positive","sentiment_score":0.5767988809223833},{"text":"Even though a lot of people are pretty skeptical about them, they're actually not as bad as what everyone's sort of saying they are to begin with.","start":566.01,"end":575.07,"sentiment":"neutral","sentiment_score":-0.061169067570180806}],"sentiment":"neutral","sentiment_score":0.2735091819787365,"num_words":114,"start":531.505,"end":575.07},{"sentences":[{"text":"So I am actually quite hopeful that come the end of this year, things are actually gonna sort of turn around quite nicely.","start":576.64996,"end":582.245,"sentiment":"positive","sentiment_score":0.6784805759139683},{"text":"But capital gains doesn't just affect property.","start":605.995,"end":608.33496,"sentiment":"neutral","sentiment_score":0.006913068571260997},{"text":"Like, negative gearing affects property, but capital gains affects any investment even when you hold, you know, shares and stocks.","start":608.71497,"end":618.0,"sentiment":"neutral","sentiment_score":0.031382682267576456},{"text":"Super's treated differently from a capital gains perspective, but it does get it doesn't does incur capital gains.","start":625.6,"end":631.52,"sentiment":"neutral","sentiment_score":0.008475150395598676},{"text":"Once you hit retirement phase and move into a full retirement fund, no.","start":631.52,"end":636.425,"sentiment":"neutral","sentiment_score":0.06631994333404762}],"sentiment":"neutral","sentiment_score":0.21352852273870399,"num_words":81,"start":576.64996,"end":636.425},{"sentences":[{"text":"Capital gains no longer becomes relevant.","start":636.425,"end":638.685,"sentiment":"neutral","sentiment_score":-0.020632457608977955},{"text":"But within a superannuation environment or accumulation, capital gains is definitely there.","start":639.145,"end":644.985,"sentiment":"neutral","sentiment_score":0.145740349466602},{"text":"It's just calculated very differently to personal capital gains.","start":644.985,"end":648.33,"sentiment":"neutral","sentiment_score":-0.010382179584768083},{"text":"Yep.","start":670.41504,"end":670.655,"sentiment":"neutral","sentiment_score":0.12520429491996765},{"text":"Yep.","start":670.655,"end":670.97504,"sentiment":"neutral","sentiment_score":0.12636901438236237}],"sentiment":"neutral","sentiment_score":0.06149045313740599,"num_words":29,"start":636.425,"end":670.97504},{"sentences":[{"text":"Like an investment account.","start":670.97504,"end":672.11505,"sentiment":"neutral","sentiment_score":0.058485282585024834},{"text":"Income.","start":679.02,"end":679.18,"sentiment":"neutral","sentiment_score":0.0993211716413498},{"text":"Yeah.","start":679.18,"end":679.68,"sentiment":"neutral","sentiment_score":0.19368207454681396},{"text":"Concessional has gone up to 32 and a half.","start":703.86,"end":706.18,"sentiment":"neutral","sentiment_score":-0.0045521679437822765},{"text":"Yes.","start":706.18,"end":706.68,"sentiment":"neutral","sentiment_score":0.063206747174263}],"sentiment":"neutral","sentiment_score":0.03432385076303035,"num_words":16,"start":670.97504,"end":706.68},{"sentences":[{"text":"And then the nonconcessional has gone up to a 130.","start":707.06,"end":710.775,"sentiment":"neutral","sentiment_score":0.008234154805541039},{"text":"Yep.","start":734.51,"end":735.01,"sentiment":"neutral","sentiment_score":0.0556313693523407},{"text":"Mhmm.","start":738.875,"end":739.375,"sentiment":"neutral","sentiment_score":0.027663208544254303},{"text":"What see whether you drop it.","start":784.75,"end":786.99,"sentiment":"neutral","sentiment_score":-0.06643946282565594},{"text":"So what you could do so there's there's a couple of different methodologies to it because you are because your income is quite high and you do, you know, obviously, contribute as well, what there's, like, I guess, two two methodologies to it.","start":786.99,"end":804.055,"sentiment":"neutral","sentiment_score":0.038868077012688615}],"sentiment":"neutral","sentiment_score":0.023579125582683283,"num_words":61,"start":707.06,"end":804.055},{"sentences":[{"text":"You, a, just, like, calculate to a degree what your what your income is expected to be and how much you therefore have in a gap.","start":804.195,"end":817.35,"sentiment":"neutral","sentiment_score":0.003536450031858224},{"text":"Leave a little bit of wiggle room in case you get a little bit of bonus or an increase or whatever the case may be, and we run with that methodology.","start":817.81,"end":825.04504,"sentiment":"neutral","sentiment_score":0.007780463705139775},{"text":"If you do get an increase that is going to exceed anything, then we we were we, you know, reduce it midway through the year.","start":825.265,"end":832.22504,"sentiment":"neutral","sentiment_score":-0.03738636404275894},{"text":"The other methodology is that ongoing through the year, providing you can be without the income, you instead of salary sacrificing, you contribute nonconcessional, so after you've been taxed at your marginal rate.","start":832.22504,"end":845.23,"sentiment":"neutral","sentiment_score":0.10195399775649562},{"text":"It means that throughout the year from a tax perspective, you pay the highest marginal rate based on your income.","start":845.52997,"end":852.11,"sentiment":"neutral","sentiment_score":0.17856395561248065}],"sentiment":"neutral","sentiment_score":0.04692032602098253,"num_words":135,"start":804.195,"end":852.11},{"sentences":[{"text":"Your super fund ends up with basically tax paid money, so it pays no tax during the year, which means there's more money to invest throughout the year, more compounding.","start":852.495,"end":862.115,"sentiment":"positive","sentiment_score":0.5746380309263865},{"text":"And then in July, like, we're having a conversation now, we send out an email always in that June, July period to be like, hey.","start":862.895,"end":870.08,"sentiment":"neutral","sentiment_score":0.2348129051923752},{"text":"You've made personal contributions.","start":870.08,"end":871.54004,"sentiment":"neutral","sentiment_score":0.2275741584599018},{"text":"Let's claim.","start":872.4,"end":873.22003,"sentiment":"neutral","sentiment_score":0.261828750371933},{"text":"And we can do the calculation to figure out what the gap is.","start":874.48004,"end":877.78,"sentiment":"neutral","sentiment_score":0.1839582879955952}],"sentiment":"positive","sentiment_score":0.3639848031909079,"num_words":74,"start":852.495,"end":877.78},{"sentences":[{"text":"So it means that if you've put in $8,000 throughout the year, your employer has put in, you know, $25,000, we can claim that gap all the way up to the 32.5.","start":877.84,"end":889.685,"sentiment":"neutral","sentiment_score":0.22578955255448818},{"text":"So that way, we we know we're we're covering down to every single cent.","start":890.305,"end":894.0,"sentiment":"neutral","sentiment_score":0.33323787046330317},{"text":"Because even if we do calculate as much as possible from a salary sacrifice point of view, there's always gonna come a time where there is a little bit of a gap because dollars and cents.","start":894.16,"end":904.5,"sentiment":"neutral","sentiment_score":-0.043598757228917547},{"text":"So the the nonconcessional contribution methodology does work really nicely from that degree, especially if you're wanting to utilize as much as possible.","start":907.2,"end":914.665,"sentiment":"positive","sentiment_score":0.5321464344211246},{"text":"And then from a tax perspective, when we submit the notice of intent to claim, what that does is it notifies the Superfund to pay its 15% tax obligation, and you get to then claim your marginal rate back.","start":914.805,"end":929.48,"sentiment":"neutral","sentiment_score":0.2678031027317047}],"sentiment":"neutral","sentiment_score":0.22919951115424433,"num_words":144,"start":877.84,"end":929.48},{"sentences":[{"text":"So tax wise, it all washes out the same way as if you salary sacrifice versus if you were to do it as a personal claim.","start":930.26,"end":940.125,"sentiment":"neutral","sentiment_score":0.2150092666538862},{"text":"And it it's they're called personal deductible contributions is how is what that strategy is.","start":940.125,"end":944.68506,"sentiment":"positive","sentiment_score":0.41070489287376405},{"text":"So you put the money in nonconcessionally, so after tax paid, and then you submit we can submit the document.","start":944.68506,"end":951.57,"sentiment":"neutral","sentiment_score":0.263067926093936},{"text":"All I need is your verbal go ahead to submit it.","start":951.57,"end":953.99,"sentiment":"neutral","sentiment_score":0.20200344784693283},{"text":"I can submit the document for you.","start":954.69,"end":956.20996,"sentiment":"positive","sentiment_score":0.3447321483067104}],"sentiment":"neutral","sentiment_score":0.2740169090183475,"num_words":79,"start":930.26,"end":956.20996},{"sentences":[{"text":"And once it's submitted, it takes the fund between three to five days to authorize it.","start":956.20996,"end":960.915,"sentiment":"neutral","sentiment_score":0.2086906787008047},{"text":"They submit a notice to the ATO.","start":961.39496,"end":963.095,"sentiment":"neutral","sentiment_score":0.1558217704296112},{"text":"You get a receipt emailed as well, so that way you have one for your tax file.","start":963.235,"end":967.735,"sentiment":"positive","sentiment_score":0.36150964305681343},{"text":"But the ATO is notified.","start":968.435,"end":969.71497,"sentiment":"neutral","sentiment_score":0.06509057730436325},{"text":"So when you do your tax return, it's already sitting there on your file like your employer's information is.","start":969.71497,"end":975.51,"sentiment":"neutral","sentiment_score":0.02164629533102638}],"sentiment":"neutral","sentiment_score":0.1767531200312078,"num_words":64,"start":956.20996,"end":975.51},{"sentences":[{"text":"So there there's, I guess, those two methods.","start":978.21,"end":980.05,"sentiment":"neutral","sentiment_score":0.09699160326272249},{"text":"It's just, I guess, dependent on how specifically you would like to run it.","start":980.05,"end":984.05,"sentiment":"neutral","sentiment_score":0.1328950519008296},{"text":"Like, where I can definitely we can definitely run with, like, the January touch base.","start":984.05,"end":988.14496,"sentiment":"positive","sentiment_score":0.40275082886219027},{"text":"Like, there's absolutely nothing wrong with that point.","start":988.14496,"end":990.32495,"sentiment":"positive","sentiment_score":0.3684781491756439},{"text":"January touch base where it's just a pay slip to say, hey.","start":990.785,"end":993.345,"sentiment":"neutral","sentiment_score":0.22341706231236458}],"sentiment":"neutral","sentiment_score":0.2509922092421013,"num_words":57,"start":978.21,"end":993.345},{"sentences":[{"text":"I've been paid this much.","start":993.345,"end":994.64496,"sentiment":"neutral","sentiment_score":0.27696970105171204},{"text":"I expect to continue earning my same rate, or, actually, I'm gonna get a pay rise or whatever the case may be or, you know, employer bargaining agreements happened, and we're getting paid 14% contributions rather than 12.","start":994.865,"end":1006.03,"sentiment":"neutral","sentiment_score":0.2433617093453282},{"text":"And we can negotiate there.","start":1007.85004,"end":1009.39,"sentiment":"neutral","sentiment_score":0.11366933584213257},{"text":"Obviously, if you jumped up to 14%, this is probably not gonna be it's not gonna work out nicely, but there is sort of that that that way as well.","start":1010.33,"end":1019.685,"sentiment":"neutral","sentiment_score":-0.05047752435008685},{"text":"Yeah.","start":1033.84,"end":1034.34,"sentiment":"neutral","sentiment_score":0.10655515640974043}],"sentiment":"neutral","sentiment_score":0.12396417171517506,"num_words":79,"start":993.345,"end":1034.34},{"sentences":[{"text":"Yep.","start":1044.965,"end":1045.465,"sentiment":"neutral","sentiment_score":0.10144927352666856},{"text":"Yes.","start":1057.64,"end":1058.14,"sentiment":"neutral","sentiment_score":0.101367250084877},{"text":"Yeah.","start":1075.315,"end":1075.635,"sentiment":"neutral","sentiment_score":0.05053294450044632},{"text":"Because your your your your employee can pay it your employee can pay it nonconcessionally.","start":1075.635,"end":1081.64,"sentiment":"neutral","sentiment_score":0.08046661913394929},{"text":"So it can you can continue paying it the way you're paying it now, like, as if it was a salary sacrifice.","start":1082.34,"end":1087.64,"sentiment":"neutral","sentiment_score":0.27138217064467346}],"sentiment":"neutral","sentiment_score":0.18576891273260115,"num_words":40,"start":1044.965,"end":1087.64},{"sentences":[{"text":"But it's just in the back end, instead of it being a salary sacrifice arrangement and your employer not charging marginal tax on that amount, they would charge marginal tax and then out of your net income then pay to your super fund.","start":1088.02,"end":1100.465,"sentiment":"neutral","sentiment_score":0.16570196872533755},{"text":"And your employer can literally set it up in, like, zero or whatever pay software they use.","start":1101.085,"end":1105.905,"sentiment":"neutral","sentiment_score":0.0465169518309481},{"text":"But what I'll do for this what I'll do for the $25.26 tax year is I will leave the personal contribution that you've made as a personal contribution.","start":1113.0,"end":1121.3401,"sentiment":"neutral","sentiment_score":0.2872021437755653},{"text":"I will leave the slight gap that you have in your concessional cap as it stands, and we can revisit it June, July 2027 as to what your balance looks like and how much we can claim.","start":1121.955,"end":1141.54,"sentiment":"neutral","sentiment_score":0.23127319996018667},{"text":"Because if you if you make personal contributions throughout the year or if you make a lump sum, whatever the case may be, you know, we'll still touch base with you in January anyway, and we can kinda do a calculation as to how you're tracking, and and we can kinda go from there.","start":1142.16,"end":1158.335,"sentiment":"neutral","sentiment_score":0.2395976886705116}],"sentiment":"neutral","sentiment_score":0.20923472876405583,"num_words":179,"start":1088.02,"end":1158.335},{"sentences":[{"text":"Perfect.","start":1161.5149,"end":1162.0149,"sentiment":"positive","sentiment_score":0.4488705098628998},{"text":"Absolutely.","start":1165.21,"end":1165.71,"sentiment":"neutral","sentiment_score":0.001503320410847664},{"text":"No.","start":1165.9299,"end":1166.33,"sentiment":"neutral","sentiment_score":-0.08278407156467438},{"text":"You're fine.","start":1166.33,"end":1167.07,"sentiment":"neutral","sentiment_score":0.02208908973261714},{"text":"Call me.","start":1180.335,"end":1181.075,"sentiment":"neutral","sentiment_score":-0.02174364123493433}],"sentiment":"neutral","sentiment_score":0.05261152224349124,"num_words":7,"start":1161.5149,"end":1181.075},{"sentences":[{"text":"Yes.","start":1183.9349,"end":1184.335,"sentiment":"neutral","sentiment_score":0.029435766860842705},{"text":"No.","start":1184.335,"end":1184.575,"sentiment":"neutral","sentiment_score":-0.10009092092514038},{"text":"You're okay.","start":1184.575,"end":1185.235,"sentiment":"neutral","sentiment_score":0.05994141660630703},{"text":"Yes.","start":1193.215,"end":1193.58,"sentiment":"neutral","sentiment_score":-0.01446906104683876},{"text":"Mhmm.","start":1196.14,"end":1196.64,"sentiment":"neutral","sentiment_score":-0.025212708860635757}],"sentiment":"neutral","sentiment_score":0.0015909848734736443,"num_words":6,"start":1183.9349,"end":1196.64},{"sentences":[{"text":"Yep.","start":1201.8999,"end":1202.3999,"sentiment":"neutral","sentiment_score":-0.02068837359547615},{"text":"Yep.","start":1207.74,"end":1208.085,"sentiment":"neutral","sentiment_score":0.02782248519361019},{"text":"Personal.","start":1226.58,"end":1227.08,"sentiment":"neutral","sentiment_score":-0.05238126590847969},{"text":"I can calculate it for you.","start":1258.01,"end":1260.19,"sentiment":"neutral","sentiment_score":0.10719944536685944},{"text":"But, realistically speaking, investment wise, unless your mortgage is sitting at 9%, investment compound is going to outbeat your six, six and a half percent mortgage in terms of interest versus interest incurred on a mortgage.","start":1260.97,"end":1281.6699,"sentiment":"neutral","sentiment_score":-0.030761949614518218}],"sentiment":"neutral","sentiment_score":-0.011321792627374332,"num_words":45,"start":1201.8999,"end":1281.6699},{"sentences":[{"text":"However, the downside to that is is that paying money off your mortgage is guaranteed savings versus the risk that's associated with any form of investment.","start":1283.4099,"end":1295.2051,"sentiment":"neutral","sentiment_score":-0.3185382605745242},{"text":"You have down years.","start":1295.425,"end":1296.5651,"sentiment":"negative","sentiment_score":-0.38303059339523315},{"text":"Yes.","start":1331.925,"end":1332.3,"sentiment":"neutral","sentiment_score":0.0984186828136444},{"text":"With so there's there's, I guess so there's there's there's the exact there's the exact two thought process that we just had, which is do I guess, do you focus on putting money into your mortgage to make sure that is it pay it down quicker?","start":1335.8201,"end":1352.9451,"sentiment":"neutral","sentiment_score":0.10732236796099207},{"text":"And then after that point, then you can redirect your funds towards retirement savings, which will then give you less time to have that compound, which history shows that compounding over a longer period of time gets you better outcomes every time.","start":1353.485,"end":1372.86,"sentiment":"neutral","sentiment_score":0.22723989437023798}],"sentiment":"neutral","sentiment_score":0.04004374810126649,"num_words":119,"start":1283.4099,"end":1372.86},{"sentences":[{"text":"Or do you direct as much as you can towards compounding on your investment and pay down the mortgage at the rate that you're currently paying it, which is gonna take x amount of time longer.","start":1375.545,"end":1392.02,"sentiment":"neutral","sentiment_score":0.08275868971314695},{"text":"The only way I could really look at it would be to model it out properly to get the time frames, what's left on your mortgage, what the interest rate is, you know, if you were to pay x amount more to your mortgage, how much interest is gonna be saved, and how much quicker would you actually pay it down.","start":1395.04,"end":1415.18,"sentiment":"neutral","sentiment_score":0.2116113616550555},{"text":"And I can 100% do that.","start":1416.76,"end":1418.28,"sentiment":"positive","sentiment_score":0.3829343269268672},{"text":"All I need is a a mortgage snapshot to be able to sort of give you that information, and then I can just kind of direct the money that you're currently salary sacrificing towards paying off the mortgage and show you what that outcome is versus the salary sacrifice arrangement.","start":1418.28,"end":1436.7251,"sentiment":"neutral","sentiment_score":0.2623492586612701},{"text":"And it gives you it gives you information so you can make an informed decision, and we can chat about it.","start":1437.5851,"end":1445.54,"sentiment":"neutral","sentiment_score":0.2579826524569875}],"sentiment":"neutral","sentiment_score":0.21103626716582255,"num_words":174,"start":1375.545,"end":1445.54},{"sentences":[{"text":"Doesn't have to be today.","start":1446.7201,"end":1447.76,"sentiment":"neutral","sentiment_score":-0.020522442925721408},{"text":"Doesn't have to be tomorrow.","start":1447.76,"end":1448.9601,"sentiment":"neutral","sentiment_score":-0.013857752457261086},{"text":"If you wanna just sit on it for now, we can talk in January.","start":1448.9601,"end":1452.66,"sentiment":"neutral","sentiment_score":0.03394346058900867},{"text":"It's it it's fine either either way.","start":1452.7201,"end":1456.3551,"sentiment":"neutral","sentiment_score":0.21401173089231765},{"text":"I'm I'm I'm very happy to do it for you now.","start":1457.8551,"end":1460.3551,"sentiment":"positive","sentiment_score":0.7793938463384454}],"sentiment":"neutral","sentiment_score":0.24701718803096032,"num_words":42,"start":1446.7201,"end":1460.3551},{"sentences":[{"text":"But like I said, I just need a snapshot of the mortgage to be able to do so.","start":1460.655,"end":1464.3551,"sentiment":"neutral","sentiment_score":0.11804435153802235},{"text":"Yeah.","start":1532.73,"end":1533.23,"sentiment":"neutral","sentiment_score":0.03635149076581001},{"text":"Yep.","start":1561.05,"end":1561.53,"sentiment":"neutral","sentiment_score":-0.01807701215147972},{"text":"The the yes.","start":1561.53,"end":1564.89,"sentiment":"neutral","sentiment_score":-0.022756213943163555},{"text":"The the biggest takeaway I have for you is, realistically, you need to continue non concessionally contributing at least a little bit.","start":1564.89,"end":1572.965,"sentiment":"neutral","sentiment_score":0.06156636825339361}],"sentiment":"neutral","sentiment_score":0.07620587257875336,"num_words":45,"start":1460.655,"end":1572.965},{"sentences":[{"text":"So that way, when the end of the year turns around, we can put that claim in.","start":1574.305,"end":1580.405,"sentiment":"neutral","sentiment_score":0.10520369154127206},{"text":"Because it's it's you you have a 100 sorry.","start":1581.585,"end":1587.02,"sentiment":"neutral","sentiment_score":-0.04378317068848345},{"text":"A 100 $425,425,000 in your account now.","start":1587.02,"end":1592.4,"sentiment":"neutral","sentiment_score":0.0033250166369335993},{"text":"So it's not it's not gonna be long before you do flip over to that 9 to that 500, which, again, closes off that avenue for you to be able to look back.","start":1592.4601,"end":1602.8151,"sentiment":"neutral","sentiment_score":-0.0008839557906894969},{"text":"But if you make the non concessional contributions within the financial year, you can NOI claim them.","start":1602.8151,"end":1610.255,"sentiment":"neutral","sentiment_score":0.14717294231933706}],"sentiment":"neutral","sentiment_score":0.04687299776867212,"num_words":83,"start":1574.305,"end":1610.255},{"sentences":[{"text":"It's not looking back at all.","start":1610.255,"end":1611.6951,"sentiment":"neutral","sentiment_score":0.08792183424035709},{"text":"You are able to NOI claim them.","start":1611.6951,"end":1614.17,"sentiment":"neutral","sentiment_score":0.2763079915727888},{"text":"So if you make them this year, we can look back on last year and claim that $800 if your account does flip over that 500,000 by the end of this fine this current financial 2027 year.","start":1614.17,"end":1629.165,"sentiment":"neutral","sentiment_score":0.16997038935487335},{"text":"Yep.","start":1692.695,"end":1693.195,"sentiment":"neutral","sentiment_score":0.07219140231609344},{"text":"What's your what's your second income in this?","start":1695.335,"end":1698.0,"sentiment":"neutral","sentiment_score":-0.009745683404617012}],"sentiment":"neutral","sentiment_score":0.14821724216374804,"num_words":59,"start":1610.255,"end":1698.0},{"sentences":[{"text":"Lose?","start":1699.44,"end":1699.68,"sentiment":"neutral","sentiment_score":-0.04319166392087936},{"text":"What's what's your what's your expected income to be what are you what are you expecting your income to change to?","start":1699.68,"end":1710.015,"sentiment":"neutral","sentiment_score":-0.07420435228518077},{"text":"Yes.","start":1729.46,"end":1729.96,"sentiment":"neutral","sentiment_score":-0.10812410712242126},{"text":"Yeah.","start":1765.345,"end":1765.845,"sentiment":"neutral","sentiment_score":-0.2726280093193054},{"text":"Day to twelve.","start":1811.2699,"end":1812.1699,"sentiment":"neutral","sentiment_score":-0.03188479940096537}],"sentiment":"neutral","sentiment_score":-0.07695887320571476,"num_words":27,"start":1699.44,"end":1812.1699},{"sentences":[{"text":"Okay.","start":1823.0299,"end":1823.505,"sentiment":"neutral","sentiment_score":0.0349016934633255},{"text":"Alright.","start":1824.705,"end":1825.025,"sentiment":"neutral","sentiment_score":0.08740582317113876},{"text":"That's okay.","start":1825.025,"end":1825.765,"sentiment":"neutral","sentiment_score":0.13285934925079346},{"text":"No.","start":1827.025,"end":1827.185,"sentiment":"neutral","sentiment_score":-0.05590319633483887},{"text":"That's that's not an issue at all.","start":1827.185,"end":1828.785,"sentiment":"neutral","sentiment_score":-0.043901635599987845}],"sentiment":"neutral","sentiment_score":0.002067630800108114,"num_words":12,"start":1823.0299,"end":1828.785},{"sentences":[{"text":"If yeah.","start":1828.785,"end":1830.945,"sentiment":"neutral","sentiment_score":0.07976871356368065},{"text":"I mean, once you do know your income, if you can even just, like, flick an email through to myself or Tommy or through to one of the admin email addresses, and they'll get it through to Tommy or I just so we can have a look.","start":1830.945,"end":1843.5,"sentiment":"neutral","sentiment_score":0.11394878889017916},{"text":"And then we just send you an email saying, like, you know, still fine or whatever the case may be just so we we can keep a little bit of an eye on it as well from the income perspective.","start":1843.64,"end":1859.045,"sentiment":"neutral","sentiment_score":0.14173335265368223},{"text":"Alright.","start":1904.94,"end":1905.2599,"sentiment":"neutral","sentiment_score":0.04515824466943741},{"text":"So 7 $5.65 is your gross?","start":1905.2599,"end":1909.44,"sentiment":"neutral","sentiment_score":0.03255921509116888}],"sentiment":"neutral","sentiment_score":0.11901018902426586,"num_words":96,"start":1828.785,"end":1909.44},{"sentences":[{"text":"Is that the monthly, fortnightly, weekly fortnightly call?","start":1912.5349,"end":1918.3949,"sentiment":"neutral","sentiment_score":0.029591907048597932},{"text":"Because the 45¢ matters.","start":1923.99,"end":1925.45,"sentiment":"neutral","sentiment_score":0.09319702535867691},{"text":"Cool.","start":1927.99,"end":1928.49,"sentiment":"neutral","sentiment_score":0.25437527894973755},{"text":"So fortnightly income of $7.05 65 would mean that annually your income's about $126.84.","start":1928.95,"end":1938.915,"sentiment":"neutral","sentiment_score":0.13558412662574224},{"text":"Cool.","start":1943.775,"end":1944.095,"sentiment":"neutral","sentiment_score":0.17683525383472443}],"sentiment":"neutral","sentiment_score":0.1053968384448025,"num_words":28,"start":1912.5349,"end":1944.095},{"sentences":[{"text":"Which means contributions on that from your employer Nope.","start":1944.095,"end":1954.98,"sentiment":"neutral","sentiment_score":0.16124454140663147},{"text":"Cool.","start":1954.98,"end":1955.2999,"sentiment":"positive","sentiment_score":0.4263591170310974},{"text":"That's that's better.","start":1955.2999,"end":1956.34,"sentiment":"neutral","sentiment_score":0.31957844148079556},{"text":"Sorry.","start":1956.34,"end":1956.84,"sentiment":"neutral","sentiment_score":-0.12305298447608948},{"text":"I had a setting wrong.","start":1957.0599,"end":1958.36,"sentiment":"neutral","sentiment_score":-0.1517445921897888}],"sentiment":"neutral","sentiment_score":0.10286944045832283,"num_words":19,"start":1944.095,"end":1958.36},{"sentences":[{"text":"Oh, and that was your net anyway.","start":1959.22,"end":1960.76,"sentiment":"neutral","sentiment_score":-0.05374874227813312},{"text":"Sorry.","start":1960.9,"end":1961.2999,"sentiment":"neutral","sentiment_score":-0.028414582833647728},{"text":"Gross income is $1.96, $6.90.","start":1961.2999,"end":1966.8049,"sentiment":"neutral","sentiment_score":-0.006977217178791762},{"text":"That sounds better, doesn't it?","start":1967.265,"end":1968.705,"sentiment":"neutral","sentiment_score":0.08863803148269653},{"text":"And that mathematically makes sense now.","start":1968.705,"end":1970.565,"sentiment":"neutral","sentiment_score":0.04384577895204226}],"sentiment":"neutral","sentiment_score":0.011113456935466578,"num_words":24,"start":1959.22,"end":1970.565},{"sentences":[{"text":"I was looking at it.","start":1970.785,"end":1971.665,"sentiment":"neutral","sentiment_score":-0.06597176864743233},{"text":"I'm like, where where is what is wrong?","start":1971.665,"end":1973.665,"sentiment":"neutral","sentiment_score":-0.1770740607753396},{"text":"Why is settings wrong?","start":1973.665,"end":1975.045,"sentiment":"neutral","sentiment_score":-0.1855293046683073},{"text":"Because I was working on another client before you called in, which means that super contributions direct from your employer would be sitting around the $23,600.","start":1976.465,"end":1989.16,"sentiment":"neutral","sentiment_score":-0.06459882927055542},{"text":"So gap wise, we don't have heaps to move with, but we've got a little bit.","start":1991.54,"end":1998.645,"sentiment":"neutral","sentiment_score":-0.08942802180536091}],"sentiment":"neutral","sentiment_score":-0.09489807555988683,"num_words":59,"start":1970.785,"end":1998.645},{"sentences":[{"text":"It's, you know, sort of $99,000 roughly.","start":1998.645,"end":2001.625,"sentiment":"neutral","sentiment_score":-0.03211620742721217},{"text":"So $8.80 900 if you wanna be specific.","start":2002.005,"end":2004.265,"sentiment":"neutral","sentiment_score":0.02588133653625846},{"text":"So, theoretically, 8,900 across the year, like, 26 periods, you've got sort of $340 per fortnight that you could pop in.","start":2006.3,"end":2023.895,"sentiment":"neutral","sentiment_score":0.02271233636531092},{"text":"But that that's getting real close to you.","start":2023.955,"end":2026.595,"sentiment":"neutral","sentiment_score":0.008826612262055278},{"text":"That's getting that's that is, like, pretty muchly on your cap, and you could blow out really easily with some overtime or whatever the case may be.","start":2026.595,"end":2035.98,"sentiment":"neutral","sentiment_score":0.00406286196300277}],"sentiment":"neutral","sentiment_score":0.009007133451670828,"num_words":71,"start":1998.645,"end":2035.98},{"sentences":[{"text":"Mhmm.","start":2043.315,"end":2043.815,"sentiment":"neutral","sentiment_score":-0.02851320616900921},{"text":"Popping out.","start":2056.115,"end":2057.095,"sentiment":"neutral","sentiment_score":-0.0659119077026844},{"text":"Yeah.","start":2057.155,"end":2057.655,"sentiment":"neutral","sentiment_score":-0.0024630092084407806},{"text":"Yes.","start":2064.35,"end":2064.85,"sentiment":"neutral","sentiment_score":0.010622577741742134},{"text":"Yep.","start":2082.085,"end":2082.585,"sentiment":"neutral","sentiment_score":0.025624271482229233}],"sentiment":"neutral","sentiment_score":-0.02109219692647457,"num_words":6,"start":2043.315,"end":2082.585},{"sentences":[{"text":"Absolutely.","start":2086.005,"end":2086.505,"sentiment":"neutral","sentiment_score":0.1328921914100647},{"text":"I would definitely agree with that.","start":2087.845,"end":2089.5,"sentiment":"positive","sentiment_score":0.43439529339472455},{"text":"Going 200 on the on your sales tax would, yeah, would be I wouldn't go more.","start":2092.14,"end":2098.08,"sentiment":"neutral","sentiment_score":-0.07898570201359689},{"text":"Good for now.","start":2124.54,"end":2125.44,"sentiment":"neutral","sentiment_score":0.3150910635789235},{"text":"Perfect.","start":2129.1802,"end":2129.6802,"sentiment":"positive","sentiment_score":0.7149871587753296}],"sentiment":"neutral","sentiment_score":0.11613900255825785,"num_words":27,"start":2086.005,"end":2129.6802},{"sentences":[{"text":"Amazing.","start":2131.435,"end":2131.835,"sentiment":"positive","sentiment_score":0.6888605356216431},{"text":"Well, if there is anything else that pops up what you that you think of or wanna talk about, please feel free to give us a call.","start":2131.835,"end":2140.075,"sentiment":"neutral","sentiment_score":0.1768996704507757},{"text":"Absolutely no issues at all.","start":2140.075,"end":2141.535,"sentiment":"positive","sentiment_score":0.3645792543888092},{"text":"Perfect.","start":2146.4202,"end":2146.6602,"sentiment":"positive","sentiment_score":0.5882894396781921},{"text":"Well, thanks for the cold call.","start":2146.6602,"end":2148.28,"sentiment":"positive","sentiment_score":0.6099904378255209}],"sentiment":"neutral","sentiment_score":0.2884069994091988,"num_words":40,"start":2131.435,"end":2148.28},{"sentences":[{"text":"Will do.","start":2155.86,"end":2156.4202,"sentiment":"positive","sentiment_score":0.5234140455722809},{"text":"You too.","start":2156.4202,"end":2157.24,"sentiment":"positive","sentiment_score":0.44370047748088837},{"text":"Bye.","start":2160.933,"end":2161.433,"sentiment":"neutral","sentiment_score":0.1315247118473053}],"sentiment":"positive","sentiment_score":0.4131507515907288,"num_words":5,"start":2155.86,"end":2161.433}]}}]},{"alternatives":[{"transcript":"Sorry, Larissa. It's actually me. I thought I would come through first. He doesn't have the he doesn't have the email in front of him. He's he's lost it, but he said it's real recent that it came through, and I can't see any file notes anywhere of who sent it. Yeah. Yeah. For sure. Yeah. Yeah. No. No. No. You you're totally fine. Just to give you he knows that it's about contributions, and he he could give me the kind of a little bit of what was in there, but yep. Who? Yeah. Oh my fucking god. Okay. Beautiful. I'm gonna you have Carl in 321. I'm good. Thank you. Yourself? Yes. Yeah. Yeah. Yep. Yeah. No. No. I understand. I yep. I understand everything. Yep. Right. Okay. I know I have zero left last year. So what was it? Like, $800 or something like that? That's all I've got. I've used up all the previous years. So I've been on this, and I've made a mistake a couple of years now and again when I haven't kept an eye on it and gone over. So, basically, all my non concessional wiggle room has gone other than that 800 dollars for the the year just gone. To be honest with you, for $800 worth, I think I'll just leave it as it is because I don't think it's gonna be a massive amount of money. Yeah. And plus that 800, what whatever it is, that will be extra wiggle room for next year if I need it because it it stays there, doesn't it? That Yeah. Yeah. Okay. Well, I mean, hopefully, it goes above 500 in this financial year, but the way things are going, I don't see it. I mean, I think that was another question I'm gonna ask as well is what was my actual figure for this year. I've had a rough look, but nothing exact. Yeah. I think I was returned figure. So I've sort of had a quick look. I looked to me around about a 9.2, 9.3, but that was literally just me touching on the graph of when the year started to when the year finished, and it looked around about that 9.3. Yeah. So, basically, I've got I think it was 421 with the last time I looked. So, I mean, that's 42. So I'm still under the 500 if 10¢ for this year coming. So yeah. And, again, it's only $800 worth of yeah. Yeah. Okay. Yep. Yeah. Yes. That's right. And that's the figure I was looking for was yeah, the as I said, I just basically touched on the graph of balance and went from year to year. So yeah. Yes. So I know the American president has put his finger in the works and sort of made the right mess of everything. But, yeah, I am obviously slightly disappointed with that sort of return figure. But, I mean, it is what it is when you got somebody like that upset in the global market and everything. Yeah. So hopefully, this year coming, it's better than that. Yeah. Right. Okay. Yeah. Well, I've got very little in terms of investment, like, property or any I've got no property over here other than what I'm in. So that capital gains thing is minor for me at the moment. Yeah. So yeah. Well, yeah. Oh, but that's not a big deal when it comes to super though, is it? Yeah. Yeah. Yeah. Yep. Yeah. The only thing I've got other than that, I've got a a kids. What do you call it? One of them I can't remember the direct the correct term. I've just got one of them Vanguard kids investment things. But I've I've put that in my wife's name so that because of my tax liabilities compared to hers. So, yeah, it shouldn't be as bad. Yeah. So I shouldn't be affected other than my employment sizings, hopefully. And, yes, another question I have now with regards to the contributions, it's the non concessional has gone up to 32 and a half. Sorry. Yeah. The other way around. Yep. Yep. So I can't remember who I spoke to, but, basically, I had to drop off my salary sacrifice to stay under the the cap. I think it was about January time I had to do that. Yes. So I would like to sort of discuss what's better. I mean, I know of the the tax the taxes less on the concessional. So without going over the limit, do I increase that and then look at it again in January time to sort of stop and then go back? So, basically, swap from non concessional back into concessional and then look at it from January time to sort of yeah. Yep. Right. Take care. Yep. Yeah. Okay. Yeah. Yeah. Yeah. Yeah. Okay. Well, because of the 500,000 limit, I think just because I've done it pretty much every year this way, I think I'll carry on doing it, the salary sacrifice, yeah, maybe for this year and then see what the balance is and, yeah, then look at doing it the other way that you said and claim back on the non concessional instead then. Yeah. Okay. And, yeah, basically, revisit it in January again and then go from there and, yeah, maybe look at changing it next year to the other method because I dare say I'll be sorry. Right. Okay. Yeah. Right. Okay. Right. Okay. Yep. Yep. Yeah. Okay. Just one more question, sorry, with regards to this non concessional. So, basically, when I had the chat, I think it was with Tarek in January. Basically, we discussed this oh, Tommy. Yes. Sorry. Tommy. And I increased my non concessional to offset the salary sacrifice. And so that's what I was going to do now was revert it, basically. So less increased salary and less the personal contributions. But I'm just talking with the idea of increasing the salary sacrifice and then decreasing the nonconfessional. But is it better to pay down my mortgage with that instead of super to free up so, you know, basically pay down my mortgage quicker or with regards to the compounding interest. Yeah. Yeah. Yeah. That's that's Yeah. Yeah. That's that's sort of what my angle is. It's like that's a that's a debt that can be paid off quicker versus the potential for yeah. You pay in, but you're not physically seeing that money or potentially not seeing that money grow because it is reliant on the markets as such whereas, obviously, the the mortgage is a definite sort of it's it's there. You know, it's actually sort of real terms and saving as such. Yeah. Yeah. Yeah. Alright. Let me check. Yeah. Yeah. Well, I I overpay my mortgage as it is. It was just the thought of if I added that non to it, it would be even more paid down quicker. But it it is literally in the back of my head that compounding factor. And now you've mentioned it, yes, that extra couple of percent compounding still is more beneficial than yeah. The paying off the mortgage at the current rate. Yeah. No. I think I'll leave it as it is. I I don't think yeah. Just that that little comment that you said about the compounding and still at that what would it let's just say this year's one is 7.89. That is still higher than my mortgage of 5.89. So you're still gaining 2% compounding compared to my mortgage. So yeah. No. No. It was just an idea. I just yeah. No. I think it just confirmed that I would I'm in an hour and I'm trying to sort of yeah. Because of, obviously, the concessional, non concessional, just changing it, and then it just popped into my head whether I would be stopped and stopped the non concessional. I'll put it towards my mortgage instead. But that's more beneficial, but yeah. On one hand, it is, but on the other hand, maybe not. Yeah. Yeah. Right. Okay. Yep. That sounds like an idea. So, yeah, I'll keep it as it is. Increase my salary sacrifice and reduce my non concessional a bit to to sort of put back into the salary sacrifice, so I swapped back over. So I am still doing both. And, yeah, revisit it in January to see what needs to be done then, if anything. Because I think September October September because I'm already in the basically, the EBA has been done last year. So I think I should get the agreed pay rise September, October. So that's why January is a good idea because that would have been in effect and then I'll have a better idea there. The 12 percent company is fixed. Sorry? No. That's a good question because I have no idea. Yeah. Basically, there's been a couple of changes this year with regards to the company were paying us wrong, apparently, with regards to because I'm a shift worker. They worked it so that the public holidays and things, they didn't include those when we're off and things like that, but I don't know. Basically, they were discussing things in the firework of rule against the company, and they've been told to pay us. So come this year, I had, like, a few lump sum payments, which has really thrown off my my income for this or the last financial year. So I'm not really a 100% sure what it actually was supposed to be with my moderate sort of overtime and all that sort of business. So I haven't really got a figure to work off the year just gone. Yeah. And the percentage coming in September, October. Yeah. So I'd have to I'd have to have a look at that and see what that increase is going to be. But I know as part of the EBA, the company contribution wasn't increased. Yeah. So I think it's still going to be it was twelve or 12:00 at the end. Yeah. Something like that. That's what what it was, and they didn't increase that. It was, yeah, just a pay agreement, basically. Yes. Yeah. Yeah. Okay. Well, it's been what is it? A couple of weeks now since change of the year, and all that extra payment's pretty much gone now. And I haven't done any extra shifts since the change of the financial year. So, basically, I I know my top end before tax is 7,565. My net take home is $5.02 $6.07, and that's with a $100 salary salary sacrifice. So yeah. Basically, I was just gonna multiply that. Yep. Forthnightly. $7.05 6 45¢. Yep. Yep. Yeah. Yep. Yeah. Okay. I think And the discussion I had was that was the maximum. So yeah, last year, we had this discussion, and I went to I think it was, like, I went I went to 200, and that was the maximum to avoid going over rather than three 100. And so, basically, it was 200 salary sacrifice and 200 personal. Yeah. So that was what I was thinking was because I've gone to 400 on the personal. So I've put that extra 100 back into salary sacrifice and leave the other one where it is at 300, and that leaves wiggle room for any additional income. Yeah. Okay. Yeah. Okay. Perfect. That's pretty much what I was thinking. But, yeah, with regards to the changes in income and the the company let's call it the super guarantee. Yeah. That's why I just wanted to confirm with you all that side of it and yep. So I'll swap that over and that should be good. Okay. Awesome. I think that's all I can think of. So yeah. Awesome. Thanks for your help. And, yep, Enjoy the rest of your day. Thank you. 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Larissa. It's actually me. I thought I would come through first. He doesn't have the he doesn't have the email in front of him. He's he's lost it, but he said it's real recent that it came through, and I can't see any file notes anywhere of who sent it.\n\nYeah. Yeah. For sure. Yeah. Yeah.\n\nNo. No. No. You you're totally fine. Just to give you he knows that it's about contributions, and he he could give me the kind of a little bit of what was in there, but yep.\n\nWho? Yeah. Oh my fucking god. Okay. Beautiful.\n\nI'm gonna you have Carl in 321. I'm good. Thank you. Yourself? Yes.\n\nYeah. Yeah. Yep. Yeah. No.\n\nNo. I understand. I yep. I understand everything. Yep.\n\nRight. Okay. I know I have zero left last year. So what was it? Like, $800 or something like that?\n\nThat's all I've got. I've used up all the previous years. So I've been on this, and I've made a mistake a couple of years now and again when I haven't kept an eye on it and gone over. So, basically, all my non concessional wiggle room has gone other than that 800 dollars for the the year just gone. To be honest with you, for $800 worth, I think I'll just leave it as it is because I don't think it's gonna be a massive amount of money.\n\nYeah. And plus that 800, what whatever it is, that will be extra wiggle room for next year if I need it because it it stays there, doesn't it? That Yeah. Yeah. Okay.\n\nWell, I mean, hopefully, it goes above 500 in this financial year, but the way things are going, I don't see it. I mean, I think that was another question I'm gonna ask as well is what was my actual figure for this year. I've had a rough look, but nothing exact. Yeah. I think I was returned figure.\n\nSo I've sort of had a quick look. I looked to me around about a 9.2, 9.3, but that was literally just me touching on the graph of when the year started to when the year finished, and it looked around about that 9.3. Yeah. So, basically, I've got I think it was 421 with the last time I looked. So, I mean, that's 42.\n\nSo I'm still under the 500 if 10¢ for this year coming. So yeah. And, again, it's only $800 worth of yeah. Yeah. Okay.\n\nYep. Yeah. Yes. That's right. And that's the figure I was looking for was yeah, the as I said, I just basically touched on the graph of balance and went from year to year.\n\nSo yeah. Yes. So I know the American president has put his finger in the works and sort of made the right mess of everything. But, yeah, I am obviously slightly disappointed with that sort of return figure. But, I mean, it is what it is when you got somebody like that upset in the global market and everything.\n\nYeah. So hopefully, this year coming, it's better than that. Yeah. Right. Okay.\n\nYeah. Well, I've got very little in terms of investment, like, property or any I've got no property over here other than what I'm in. So that capital gains thing is minor for me at the moment. Yeah. So yeah.\n\nWell, yeah. Oh, but that's not a big deal when it comes to super though, is it? Yeah. Yeah. Yeah.\n\nYep. Yeah. The only thing I've got other than that, I've got a a kids. What do you call it? One of them I can't remember the direct the correct term.\n\nI've just got one of them Vanguard kids investment things. But I've I've put that in my wife's name so that because of my tax liabilities compared to hers. So, yeah, it shouldn't be as bad. Yeah. So I shouldn't be affected other than my employment sizings, hopefully.\n\nAnd, yes, another question I have now with regards to the contributions, it's the non concessional has gone up to 32 and a half. Sorry. Yeah. The other way around. Yep.\n\nYep. So I can't remember who I spoke to, but, basically, I had to drop off my salary sacrifice to stay under the the cap. I think it was about January time I had to do that. Yes. So I would like to sort of discuss what's better.\n\nI mean, I know of the the tax the taxes less on the concessional. So without going over the limit, do I increase that and then look at it again in January time to sort of stop and then go back? So, basically, swap from non concessional back into concessional and then look at it from January time to sort of yeah. Yep. Right.\n\nTake care. Yep. Yeah. Okay. Yeah.\n\nYeah. Yeah. Yeah. Okay. Well, because of the 500,000 limit, I think just because I've done it pretty much every year this way, I think I'll carry on doing it, the salary sacrifice, yeah, maybe for this year and then see what the balance is and, yeah, then look at doing it the other way that you said and claim back on the non concessional instead then.\n\nYeah. Okay. And, yeah, basically, revisit it in January again and then go from there and, yeah, maybe look at changing it next year to the other method because I dare say I'll be sorry. Right. Okay.\n\nYeah. Right. Okay. Right. Okay.\n\nYep. Yep. Yeah. Okay. Just one more question, sorry, with regards to this non concessional.\n\nSo, basically, when I had the chat, I think it was with Tarek in January. Basically, we discussed this oh, Tommy. Yes. Sorry. Tommy.\n\nAnd I increased my non concessional to offset the salary sacrifice. And so that's what I was going to do now was revert it, basically. So less increased salary and less the personal contributions. But I'm just talking with the idea of increasing the salary sacrifice and then decreasing the nonconfessional. But is it better to pay down my mortgage with that instead of super to free up so, you know, basically pay down my mortgage quicker or with regards to the compounding interest.\n\nYeah. Yeah. Yeah. That's that's Yeah. Yeah.\n\nThat's that's sort of what my angle is. It's like that's a that's a debt that can be paid off quicker versus the potential for yeah. You pay in, but you're not physically seeing that money or potentially not seeing that money grow because it is reliant on the markets as such whereas, obviously, the the mortgage is a definite sort of it's it's there. You know, it's actually sort of real terms and saving as such. Yeah.\n\nYeah. Yeah. Alright. Let me check. Yeah.\n\nYeah. Well, I I overpay my mortgage as it is. It was just the thought of if I added that non to it, it would be even more paid down quicker. But it it is literally in the back of my head that compounding factor. And now you've mentioned it, yes, that extra couple of percent compounding still is more beneficial than yeah.\n\nThe paying off the mortgage at the current rate. Yeah. No. I think I'll leave it as it is. I I don't think yeah.\n\nJust that that little comment that you said about the compounding and still at that what would it let's just say this year's one is 7.89. That is still higher than my mortgage of 5.89. So you're still gaining 2% compounding compared to my mortgage. So yeah. No.\n\nNo. It was just an idea. I just yeah. No. I think it just confirmed that I would I'm in an hour and I'm trying to sort of yeah.\n\nBecause of, obviously, the concessional, non concessional, just changing it, and then it just popped into my head whether I would be stopped and stopped the non concessional. I'll put it towards my mortgage instead. But that's more beneficial, but yeah. On one hand, it is, but on the other hand, maybe not. Yeah.\n\nYeah. Right. Okay. Yep. That sounds like an idea.\n\nSo, yeah, I'll keep it as it is. Increase my salary sacrifice and reduce my non concessional a bit to to sort of put back into the salary sacrifice, so I swapped back over. So I am still doing both. And, yeah, revisit it in January to see what needs to be done then, if anything. Because I think September October September because I'm already in the basically, the EBA has been done last year.\n\nSo I think I should get the agreed pay rise September, October. So that's why January is a good idea because that would have been in effect and then I'll have a better idea there. The 12 percent company is fixed. Sorry? No.\n\nThat's a good question because I have no idea. Yeah. Basically, there's been a couple of changes this year with regards to the company were paying us wrong, apparently, with regards to because I'm a shift worker. They worked it so that the public holidays and things, they didn't include those when we're off and things like that, but I don't know. Basically, they were discussing things in the firework of rule against the company, and they've been told to pay us.\n\nSo come this year, I had, like, a few lump sum payments, which has really thrown off my my income for this or the last financial year. So I'm not really a 100% sure what it actually was supposed to be with my moderate sort of overtime and all that sort of business. So I haven't really got a figure to work off the year just gone. Yeah. And the percentage coming in September, October.\n\nYeah. So I'd have to I'd have to have a look at that and see what that increase is going to be. But I know as part of the EBA, the company contribution wasn't increased. Yeah. So I think it's still going to be it was twelve or 12:00 at the end.\n\nYeah. Something like that. That's what what it was, and they didn't increase that. It was, yeah, just a pay agreement, basically. Yes.\n\nYeah. Yeah. Okay. Well, it's been what is it? A couple of weeks now since change of the year, and all that extra payment's pretty much gone now.\n\nAnd I haven't done any extra shifts since the change of the financial year. So, basically, I I know my top end before tax is 7,565. My net take home is $5.02 $6.07, and that's with a $100 salary salary sacrifice. So yeah. Basically, I was just gonna multiply that.\n\nYep. Forthnightly. $7.05 6 45¢. Yep. Yep.\n\nYeah. Yep. Yeah. Okay. I think And the discussion I had was that was the maximum.\n\nSo yeah, last year, we had this discussion, and I went to I think it was, like, I went I went to 200, and that was the maximum to avoid going over rather than three 100. And so, basically, it was 200 salary sacrifice and 200 personal. Yeah. So that was what I was thinking was because I've gone to 400 on the personal. So I've put that extra 100 back into salary sacrifice and leave the other one where it is at 300, and that leaves wiggle room for any additional income.\n\nYeah. Okay. Yeah. Okay. Perfect.\n\nThat's pretty much what I was thinking. But, yeah, with regards to the changes in income and the the company let's call it the super guarantee. Yeah. That's why I just wanted to confirm with you all that side of it and yep. So I'll swap that over and that should be good.\n\nOkay. Awesome. I think that's all I can think of. So yeah. Awesome.\n\nThanks for your help. And, yep, Enjoy the rest of your day. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Sorry, Larissa.","start":4.08,"end":5.04,"sentiment":"neutral","sentiment_score":-0.11142628267407417},{"text":"It's actually me.","start":5.04,"end":5.92,"sentiment":"neutral","sentiment_score":-0.07941501339276631},{"text":"I thought I would come through first.","start":5.92,"end":7.8599997,"sentiment":"neutral","sentiment_score":-0.10987874120473862},{"text":"He doesn't have the he doesn't have the email in front of him.","start":9.28,"end":13.599999,"sentiment":"neutral","sentiment_score":-0.1532420779650028},{"text":"He's he's lost it, but he said it's real recent that it came through, and I can't see any file notes anywhere of who sent it.","start":13.599999,"end":21.005,"sentiment":"neutral","sentiment_score":-0.3232270209835126}],"sentiment":"neutral","sentiment_score":-0.22796663437403886,"num_words":51,"start":4.08,"end":21.005},{"sentences":[{"text":"Yeah.","start":28.585,"end":29.085,"sentiment":"neutral","sentiment_score":-0.02605072222650051},{"text":"Yeah.","start":29.224998,"end":29.544998,"sentiment":"neutral","sentiment_score":-0.027895396575331688},{"text":"For sure.","start":29.544998,"end":30.285,"sentiment":"neutral","sentiment_score":-0.03519715182483196},{"text":"Yeah.","start":34.61,"end":35.11,"sentiment":"neutral","sentiment_score":-0.11296222358942032},{"text":"Yeah.","start":38.45,"end":38.93,"sentiment":"neutral","sentiment_score":-0.08776199817657471}],"sentiment":"neutral","sentiment_score":-0.05417744070291519,"num_words":6,"start":28.585,"end":38.93},{"sentences":[{"text":"No.","start":38.93,"end":39.09,"sentiment":"neutral","sentiment_score":-0.20806747674942017},{"text":"No.","start":39.09,"end":39.25,"sentiment":"neutral","sentiment_score":-0.22084760665893555},{"text":"No.","start":39.25,"end":39.489998,"sentiment":"neutral","sentiment_score":-0.2015170007944107},{"text":"You you're totally fine.","start":39.489998,"end":40.61,"sentiment":"neutral","sentiment_score":0.12939361110329628},{"text":"Just to give you he knows that it's about contributions, and he he could give me the kind of a little bit of what was in there, but yep.","start":40.61,"end":48.205,"sentiment":"neutral","sentiment_score":0.0356698895579782}],"sentiment":"neutral","sentiment_score":0.02559914326088296,"num_words":36,"start":38.93,"end":48.205},{"sentences":[{"text":"Who?","start":54.825,"end":55.325,"sentiment":"neutral","sentiment_score":-0.01212574541568756},{"text":"Yeah.","start":58.025,"end":58.525,"sentiment":"neutral","sentiment_score":-0.009100265800952911},{"text":"Oh my fucking god.","start":62.84,"end":64.46,"sentiment":"negative","sentiment_score":-0.4682591184973717},{"text":"Okay.","start":64.68,"end":65.0,"sentiment":"neutral","sentiment_score":-0.18460464477539065},{"text":"Beautiful.","start":65.0,"end":65.4,"sentiment":"neutral","sentiment_score":0.16440460085868835}],"sentiment":"neutral","sentiment_score":-0.23930781614035368,"num_words":8,"start":54.825,"end":65.4},{"sentences":[{"text":"I'm gonna you have Carl in 321.","start":65.4,"end":68.94,"sentiment":"neutral","sentiment_score":0.05989516260368483},{"text":"I'm good.","start":72.28,"end":72.76,"sentiment":"positive","sentiment_score":0.4142580181360245},{"text":"Thank you.","start":72.76,"end":73.16,"sentiment":"positive","sentiment_score":0.5336400270462036},{"text":"Yourself?","start":73.16,"end":73.66,"sentiment":"neutral","sentiment_score":0.23506960272789},{"text":"Yes.","start":86.255,"end":86.735,"sentiment":"neutral","sentiment_score":0.06877565383911133}],"sentiment":"neutral","sentiment_score":0.20145442193517318,"num_words":13,"start":65.4,"end":86.735},{"sentences":[{"text":"Yeah.","start":86.735,"end":87.235,"sentiment":"neutral","sentiment_score":0.07926993817090988},{"text":"Yeah.","start":122.31,"end":122.81,"sentiment":"neutral","sentiment_score":0.058161117136478424},{"text":"Yep.","start":129.75,"end":130.25,"sentiment":"neutral","sentiment_score":0.07984994351863861},{"text":"Yeah.","start":157.28,"end":157.78,"sentiment":"neutral","sentiment_score":0.07155933976173401},{"text":"No.","start":196.325,"end":196.565,"sentiment":"negative","sentiment_score":-0.4038552045822144}],"sentiment":"neutral","sentiment_score":-0.0230029731988907,"num_words":5,"start":86.735,"end":196.565},{"sentences":[{"text":"No.","start":196.565,"end":196.885,"sentiment":"negative","sentiment_score":-0.45555946230888367},{"text":"I understand.","start":196.885,"end":197.545,"sentiment":"neutral","sentiment_score":-0.1045713871717453},{"text":"I yep.","start":197.685,"end":198.565,"sentiment":"neutral","sentiment_score":-0.07645227387547493},{"text":"I understand everything.","start":198.565,"end":199.785,"sentiment":"neutral","sentiment_score":0.01873799537618955},{"text":"Yep.","start":199.925,"end":200.425,"sentiment":"neutral","sentiment_score":0.10785534232854845}],"sentiment":"neutral","sentiment_score":-0.07261527288291189,"num_words":9,"start":196.565,"end":200.425},{"sentences":[{"text":"Right.","start":218.045,"end":218.44499,"sentiment":"neutral","sentiment_score":0.059199873358011246},{"text":"Okay.","start":218.44499,"end":218.94499,"sentiment":"neutral","sentiment_score":0.006459249183535576},{"text":"I know I have zero left last year.","start":219.645,"end":225.005,"sentiment":"neutral","sentiment_score":-0.03872728627175093},{"text":"So what was it?","start":225.005,"end":225.885,"sentiment":"neutral","sentiment_score":-0.044705092906951904},{"text":"Like, $800 or something like that?","start":225.885,"end":228.305,"sentiment":"neutral","sentiment_score":-0.044203659519553185}],"sentiment":"neutral","sentiment_score":-0.034410074818879366,"num_words":20,"start":218.045,"end":228.305},{"sentences":[{"text":"That's all I've got.","start":229.05,"end":230.17001,"sentiment":"neutral","sentiment_score":-0.04717951640486717},{"text":"I've used up all the previous years.","start":230.17001,"end":232.89001,"sentiment":"neutral","sentiment_score":-0.1549959842647825},{"text":"So I've been on this, and I've made a mistake a couple of years now and again when I haven't kept an eye on it and gone over.","start":232.89001,"end":241.31001,"sentiment":"negative","sentiment_score":-0.3345705531537533},{"text":"So, basically, all my non concessional wiggle room has gone other than that 800 dollars for the the year just gone.","start":241.845,"end":252.345,"sentiment":"negative","sentiment_score":-0.42083441217740375},{"text":"To be honest with you, for $800 worth, I think I'll just leave it as it is because I don't think it's gonna be a massive amount of money.","start":291.30002,"end":306.08502,"sentiment":"neutral","sentiment_score":-0.2568328033747344}],"sentiment":"neutral","sentiment_score":-0.3025543752513575,"num_words":89,"start":229.05,"end":306.08502},{"sentences":[{"text":"Yeah.","start":308.30502,"end":308.80502,"sentiment":"neutral","sentiment_score":-0.04714462533593178},{"text":"And plus that 800, what whatever it is, that will be extra wiggle room for next year if I need it because it it stays there, doesn't it?","start":309.42502,"end":321.13,"sentiment":"neutral","sentiment_score":-0.055723445756094794},{"text":"That Yeah.","start":321.13,"end":352.06,"sentiment":"neutral","sentiment_score":0.015861601568758488},{"text":"Yeah.","start":352.52002,"end":352.845,"sentiment":"neutral","sentiment_score":-0.008452465757727623},{"text":"Okay.","start":353.245,"end":353.745,"sentiment":"neutral","sentiment_score":0.0025667957961559296}],"sentiment":"neutral","sentiment_score":-0.0479261688888073,"num_words":33,"start":308.30502,"end":353.745},{"sentences":[{"text":"Well, I mean, hopefully, it goes above 500 in this financial year, but the way things are going, I don't see it.","start":354.605,"end":363.405,"sentiment":"neutral","sentiment_score":-0.12423919573087584},{"text":"I mean, I think that was another question I'm gonna ask as well is what was my actual figure for this year.","start":363.405,"end":371.74,"sentiment":"neutral","sentiment_score":-0.17168528925288806},{"text":"I've had a rough look, but nothing exact.","start":371.80002,"end":376.38,"sentiment":"neutral","sentiment_score":-0.18916462548077106},{"text":"Yeah.","start":378.76,"end":379.24,"sentiment":"neutral","sentiment_score":-0.07067859172821045},{"text":"I think I was returned figure.","start":379.24,"end":384.625,"sentiment":"neutral","sentiment_score":-0.00298930867575109}],"sentiment":"neutral","sentiment_score":-0.13749610368257104,"num_words":59,"start":354.605,"end":384.625},{"sentences":[{"text":"So I've sort of had a quick look.","start":384.625,"end":387.685,"sentiment":"neutral","sentiment_score":0.011602363549172878},{"text":"I looked to me around about a 9.2, 9.3, but that was literally just me touching on the graph of when the year started to when the year finished, and it looked around about that 9.3.","start":388.54498,"end":404.18,"sentiment":"neutral","sentiment_score":0.008626105677750375},{"text":"Yeah.","start":407.405,"end":407.885,"sentiment":"neutral","sentiment_score":0.05058759450912475},{"text":"So, basically, I've got I think it was 421 with the last time I looked.","start":407.885,"end":414.605,"sentiment":"neutral","sentiment_score":0.07160944044589997},{"text":"So, I mean, that's 42.","start":414.605,"end":417.165,"sentiment":"neutral","sentiment_score":0.09169805943965911}],"sentiment":"neutral","sentiment_score":0.03056274171058948,"num_words":65,"start":384.625,"end":417.165},{"sentences":[{"text":"So I'm still under the 500 if 10¢ for this year coming.","start":417.165,"end":423.21002,"sentiment":"neutral","sentiment_score":0.11149030991575935},{"text":"So yeah.","start":424.07,"end":425.51,"sentiment":"neutral","sentiment_score":0.09763701260089874},{"text":"And, again, it's only $800 worth of yeah.","start":425.51,"end":429.21002,"sentiment":"neutral","sentiment_score":0.07855561841279268},{"text":"Yeah.","start":451.135,"end":451.53,"sentiment":"positive","sentiment_score":0.40314722061157227},{"text":"Okay.","start":454.49,"end":454.99,"sentiment":"neutral","sentiment_score":0.20978760719299316}],"sentiment":"neutral","sentiment_score":0.11578466127748074,"num_words":24,"start":417.165,"end":454.99},{"sentences":[{"text":"Yep.","start":455.37,"end":455.87,"sentiment":"neutral","sentiment_score":0.16155989468097687},{"text":"Yeah.","start":471.13498,"end":471.63498,"sentiment":"neutral","sentiment_score":0.042299412190914154},{"text":"Yes.","start":473.29498,"end":473.775,"sentiment":"neutral","sentiment_score":0.10810594260692596},{"text":"That's right.","start":473.775,"end":474.495,"sentiment":"neutral","sentiment_score":0.1569698452949524},{"text":"And that's the figure I was looking for was yeah, the as I said, I just basically touched on the graph of balance and went from year to year.","start":474.495,"end":485.95,"sentiment":"neutral","sentiment_score":0.06755728043358901}],"sentiment":"neutral","sentiment_score":0.07603135507772951,"num_words":34,"start":455.37,"end":485.95},{"sentences":[{"text":"So yeah.","start":485.95,"end":488.85,"sentiment":"neutral","sentiment_score":0.036247290670871735},{"text":"Yes.","start":489.15,"end":489.65,"sentiment":"neutral","sentiment_score":0.04646184295415878},{"text":"So I know the American president has put his finger in the works and sort of made the right mess of everything.","start":489.71,"end":507.03,"sentiment":"neutral","sentiment_score":-0.12841662425886502},{"text":"But, yeah, I am obviously slightly disappointed with that sort of return figure.","start":507.16998,"end":512.31,"sentiment":"negative","sentiment_score":-0.5802008635722674},{"text":"But, I mean, it is what it is when you got somebody like that upset in the global market and everything.","start":513.49,"end":521.015,"sentiment":"negative","sentiment_score":-0.412773582197371}],"sentiment":"neutral","sentiment_score":-0.32062823325395584,"num_words":59,"start":485.95,"end":521.015},{"sentences":[{"text":"Yeah.","start":524.995,"end":525.235,"sentiment":"neutral","sentiment_score":-0.03692224621772766},{"text":"So hopefully, this year coming, it's better than that.","start":525.235,"end":529.575,"sentiment":"neutral","sentiment_score":0.14006330735153621},{"text":"Yeah.","start":582.675,"end":582.995,"sentiment":"neutral","sentiment_score":0.22046151757240295},{"text":"Right.","start":582.995,"end":583.315,"sentiment":"neutral","sentiment_score":0.20759889483451843},{"text":"Okay.","start":583.315,"end":583.815,"sentiment":"neutral","sentiment_score":0.14827151596546173}],"sentiment":"neutral","sentiment_score":0.13845995756296012,"num_words":13,"start":524.995,"end":583.815},{"sentences":[{"text":"Yeah.","start":585.555,"end":586.055,"sentiment":"neutral","sentiment_score":0.1328817903995514},{"text":"Well, I've got very little in terms of investment, like, property or any I've got no property over here other than what I'm in.","start":586.675,"end":599.36,"sentiment":"neutral","sentiment_score":-0.002709948302557071},{"text":"So that capital gains thing is minor for me at the moment.","start":599.65497,"end":604.39496,"sentiment":"neutral","sentiment_score":-0.08679747643570106},{"text":"Yeah.","start":606.055,"end":606.45496,"sentiment":"neutral","sentiment_score":0.03054361417889595},{"text":"So yeah.","start":606.45496,"end":614.855,"sentiment":"neutral","sentiment_score":0.042475661262869835}],"sentiment":"neutral","sentiment_score":-0.021455793734639884,"num_words":40,"start":585.555,"end":614.855},{"sentences":[{"text":"Well, yeah.","start":614.855,"end":618.98,"sentiment":"neutral","sentiment_score":0.03996771574020386},{"text":"Oh, but that's not a big deal when it comes to super though, is it?","start":619.44,"end":624.18,"sentiment":"neutral","sentiment_score":-0.0030350731996198494},{"text":"Yeah.","start":627.44,"end":627.94,"sentiment":"neutral","sentiment_score":0.03431309014558792},{"text":"Yeah.","start":648.24,"end":648.72003,"sentiment":"neutral","sentiment_score":0.040261924266815186},{"text":"Yeah.","start":648.72003,"end":649.22003,"sentiment":"neutral","sentiment_score":0.05835847929120064}],"sentiment":"neutral","sentiment_score":0.008367141359485686,"num_words":20,"start":614.855,"end":649.22003},{"sentences":[{"text":"Yep.","start":650.16003,"end":650.66003,"sentiment":"neutral","sentiment_score":0.07690969109535217},{"text":"Yeah.","start":652.24,"end":652.56,"sentiment":"neutral","sentiment_score":0.10846511274576189},{"text":"The only thing I've got other than that, I've got a a kids.","start":652.56,"end":657.46,"sentiment":"neutral","sentiment_score":0.030400556440536793},{"text":"What do you call it?","start":659.605,"end":660.40497,"sentiment":"neutral","sentiment_score":0.003114762902259827},{"text":"One of them I can't remember the direct the correct term.","start":660.40497,"end":664.985,"sentiment":"neutral","sentiment_score":-0.004297129132530906}],"sentiment":"neutral","sentiment_score":0.017706046181340373,"num_words":31,"start":650.16003,"end":664.985},{"sentences":[{"text":"I've just got one of them Vanguard kids investment things.","start":665.605,"end":669.38495,"sentiment":"neutral","sentiment_score":0.10013903044164181},{"text":"But I've I've put that in my wife's name so that because of my tax liabilities compared to hers.","start":670.805,"end":679.47,"sentiment":"neutral","sentiment_score":0.11333105634701879},{"text":"So, yeah, it shouldn't be as bad.","start":679.52997,"end":683.23,"sentiment":"neutral","sentiment_score":0.24787776810782297},{"text":"Yeah.","start":683.85,"end":684.25,"sentiment":"neutral","sentiment_score":0.23347125947475433},{"text":"So I shouldn't be affected other than my employment sizings, hopefully.","start":684.25,"end":689.085,"sentiment":"neutral","sentiment_score":0.150401971726255}],"sentiment":"neutral","sentiment_score":0.14120245208808532,"num_words":48,"start":665.605,"end":689.085},{"sentences":[{"text":"And, yes, another question I have now with regards to the contributions, it's the non concessional has gone up to 32 and a half.","start":691.385,"end":707.48,"sentiment":"neutral","sentiment_score":0.00033281807554885745},{"text":"Sorry.","start":707.48,"end":707.88,"sentiment":"neutral","sentiment_score":-0.027325870469212532},{"text":"Yeah.","start":707.88,"end":708.12,"sentiment":"neutral","sentiment_score":0.00992274098098278},{"text":"The other way around.","start":708.12,"end":709.0,"sentiment":"neutral","sentiment_score":-0.00689039146527648},{"text":"Yep.","start":709.0,"end":709.5,"sentiment":"neutral","sentiment_score":0.01756637543439865}],"sentiment":"neutral","sentiment_score":-0.0006261511645730465,"num_words":31,"start":691.385,"end":709.5},{"sentences":[{"text":"Yep.","start":711.48,"end":711.98,"sentiment":"neutral","sentiment_score":0.06102898344397545},{"text":"So I can't remember who I spoke to, but, basically, I had to drop off my salary sacrifice to stay under the the cap.","start":712.2,"end":733.25,"sentiment":"neutral","sentiment_score":-0.17219129002963504},{"text":"I think it was about January time I had to do that.","start":734.83,"end":737.73,"sentiment":"neutral","sentiment_score":-0.08000818143288295},{"text":"Yes.","start":740.02997,"end":740.475,"sentiment":"neutral","sentiment_score":0.13339625298976898},{"text":"So I would like to sort of discuss what's better.","start":741.435,"end":748.65497,"sentiment":"neutral","sentiment_score":0.06381359864026308}],"sentiment":"neutral","sentiment_score":-0.08875266489728044,"num_words":48,"start":711.48,"end":748.65497},{"sentences":[{"text":"I mean, I know of the the tax the taxes less on the concessional.","start":749.755,"end":757.15,"sentiment":"neutral","sentiment_score":-0.020879414065607955},{"text":"So without going over the limit, do I increase that and then look at it again in January time to sort of stop and then go back?","start":757.45,"end":775.615,"sentiment":"neutral","sentiment_score":-0.07383728054938493},{"text":"So, basically, swap from non concessional back into concessional and then look at it from January time to sort of yeah.","start":775.615,"end":787.94,"sentiment":"neutral","sentiment_score":0.020171717164062318},{"text":"Yep.","start":822.81,"end":823.215,"sentiment":"neutral","sentiment_score":0.15352042019367218},{"text":"Right.","start":930.17,"end":930.57,"sentiment":"neutral","sentiment_score":0.257365882396698}],"sentiment":"neutral","sentiment_score":-0.022678531386191025,"num_words":64,"start":749.755,"end":930.57},{"sentences":[{"text":"Take care.","start":930.57,"end":931.23,"sentiment":"neutral","sentiment_score":0.12728897854685783},{"text":"Yep.","start":968.245,"end":968.745,"sentiment":"neutral","sentiment_score":0.2060219049453735},{"text":"Yeah.","start":976.16504,"end":976.565,"sentiment":"neutral","sentiment_score":0.07690869271755219},{"text":"Okay.","start":976.565,"end":977.065,"sentiment":"neutral","sentiment_score":0.10372594743967056},{"text":"Yeah.","start":1007.25995,"end":1007.75995,"sentiment":"neutral","sentiment_score":0.1224810555577278}],"sentiment":"neutral","sentiment_score":0.12728592629233995,"num_words":6,"start":930.57,"end":1007.75995},{"sentences":[{"text":"Yeah.","start":1019.89996,"end":1020.39996,"sentiment":"neutral","sentiment_score":0.06755827367305756},{"text":"Yeah.","start":1020.54,"end":1020.94,"sentiment":"neutral","sentiment_score":0.06897162646055222},{"text":"Yeah.","start":1020.94,"end":1021.44,"sentiment":"neutral","sentiment_score":0.07904186844825745},{"text":"Okay.","start":1022.175,"end":1022.675,"sentiment":"neutral","sentiment_score":0.1038885861635208},{"text":"Well, because of the 500,000 limit, I think just because I've done it pretty much every year this way, I think I'll carry on doing it, the salary sacrifice, yeah, maybe for this year and then see what the balance is and, yeah, then look at doing it the other way that you said and claim back on the non concessional instead then.","start":1023.615,"end":1056.425,"sentiment":"neutral","sentiment_score":0.09293331400979132}],"sentiment":"neutral","sentiment_score":0.09215312145316779,"num_words":67,"start":1019.89996,"end":1056.425},{"sentences":[{"text":"Yeah.","start":1058.0851,"end":1058.5851,"sentiment":"neutral","sentiment_score":0.09358067065477373},{"text":"Okay.","start":1058.645,"end":1059.145,"sentiment":"neutral","sentiment_score":0.0989438220858574},{"text":"And, yeah, basically, revisit it in January again and then go from there and, yeah, maybe look at changing it next year to the other method because I dare say I'll be sorry.","start":1060.165,"end":1078.0,"sentiment":"neutral","sentiment_score":0.09403703666546127},{"text":"Right.","start":1100.61,"end":1100.9299,"sentiment":"neutral","sentiment_score":0.12627571821212769},{"text":"Okay.","start":1100.9299,"end":1101.4299,"sentiment":"neutral","sentiment_score":-0.0023525215219706297}],"sentiment":"neutral","sentiment_score":0.09242351079435163,"num_words":37,"start":1058.0851,"end":1101.4299},{"sentences":[{"text":"Yeah.","start":1106.7699,"end":1107.2699,"sentiment":"neutral","sentiment_score":0.13635969161987305},{"text":"Right.","start":1107.985,"end":1108.3049,"sentiment":"neutral","sentiment_score":0.15802587568759918},{"text":"Okay.","start":1108.3049,"end":1108.8049,"sentiment":"neutral","sentiment_score":0.19057178497314453},{"text":"Right.","start":1111.745,"end":1112.245,"sentiment":"neutral","sentiment_score":0.19372418522834775},{"text":"Okay.","start":1112.865,"end":1113.345,"sentiment":"neutral","sentiment_score":0.19176851212978363}],"sentiment":"neutral","sentiment_score":0.17409000992774964,"num_words":5,"start":1106.7699,"end":1113.345},{"sentences":[{"text":"Yep.","start":1113.345,"end":1113.845,"sentiment":"neutral","sentiment_score":0.20699307322502136},{"text":"Yep.","start":1152.5,"end":1153.0,"sentiment":"positive","sentiment_score":0.34272682666778564},{"text":"Yeah.","start":1157.86,"end":1158.36,"sentiment":"neutral","sentiment_score":0.22646450996398929},{"text":"Okay.","start":1158.66,"end":1159.16,"sentiment":"neutral","sentiment_score":0.3258846402168274},{"text":"Just one more question, sorry, with regards to this non concessional.","start":1161.54,"end":1168.705,"sentiment":"neutral","sentiment_score":-0.0014436410909349268}],"sentiment":"neutral","sentiment_score":0.07241259987155596,"num_words":15,"start":1113.345,"end":1168.705},{"sentences":[{"text":"So, basically, when I had the chat, I think it was with Tarek in January.","start":1168.925,"end":1178.45,"sentiment":"neutral","sentiment_score":-0.0047148607671260835},{"text":"Basically, we discussed this oh, Tommy.","start":1178.75,"end":1182.6699,"sentiment":"neutral","sentiment_score":-0.005988406483083963},{"text":"Yes.","start":1182.6699,"end":1182.99,"sentiment":"neutral","sentiment_score":0.019483597949147224},{"text":"Sorry.","start":1182.99,"end":1183.3099,"sentiment":"neutral","sentiment_score":-0.037719085812568665},{"text":"Tommy.","start":1183.3099,"end":1183.8099,"sentiment":"neutral","sentiment_score":-0.0021170172840356827}],"sentiment":"neutral","sentiment_score":-0.005291910648035507,"num_words":24,"start":1168.925,"end":1183.8099},{"sentences":[{"text":"And I increased my non concessional to offset the salary sacrifice.","start":1184.99,"end":1194.575,"sentiment":"neutral","sentiment_score":-0.019749747758561916},{"text":"And so that's what I was going to do now was revert it, basically.","start":1194.635,"end":1200.415,"sentiment":"neutral","sentiment_score":-0.053876474499702454},{"text":"So less increased salary and less the personal contributions.","start":1201.595,"end":1206.27,"sentiment":"neutral","sentiment_score":-0.05732112377882004},{"text":"But I'm just talking with the idea of increasing the salary sacrifice and then decreasing the nonconfessional.","start":1207.37,"end":1226.235,"sentiment":"neutral","sentiment_score":-0.025318332619088536},{"text":"But is it better to pay down my mortgage with that instead of super to free up so, you know, basically pay down my mortgage quicker or with regards to the compounding interest.","start":1226.9349,"end":1252.065,"sentiment":"neutral","sentiment_score":-0.044215546412901444}],"sentiment":"neutral","sentiment_score":-0.040201579386900575,"num_words":84,"start":1184.99,"end":1252.065},{"sentences":[{"text":"Yeah.","start":1254.0449,"end":1254.5449,"sentiment":"neutral","sentiment_score":0.13445664942264557},{"text":"Yeah.","start":1282.145,"end":1282.625,"sentiment":"neutral","sentiment_score":0.05617792904376984},{"text":"Yeah.","start":1282.625,"end":1283.125,"sentiment":"neutral","sentiment_score":-0.04958244785666466},{"text":"That's that's Yeah.","start":1283.34,"end":1296.94,"sentiment":"neutral","sentiment_score":-0.1520807238072545},{"text":"Yeah.","start":1296.94,"end":1297.44,"sentiment":"neutral","sentiment_score":-0.040772855281829834}],"sentiment":"neutral","sentiment_score":-0.05085184229912037,"num_words":7,"start":1254.0449,"end":1297.44},{"sentences":[{"text":"That's that's sort of what my angle is.","start":1297.5,"end":1300.085,"sentiment":"neutral","sentiment_score":0.018760603154078126},{"text":"It's like that's a that's a debt that can be paid off quicker versus the potential for yeah.","start":1300.085,"end":1308.6649,"sentiment":"neutral","sentiment_score":0.01676982372171349},{"text":"You pay in, but you're not physically seeing that money or potentially not seeing that money grow because it is reliant on the markets as such whereas, obviously, the the mortgage is a definite sort of it's it's there.","start":1308.8049,"end":1325.765,"sentiment":"neutral","sentiment_score":-0.08753203571988986},{"text":"You know, it's actually sort of real terms and saving as such.","start":1325.765,"end":1330.3451,"sentiment":"neutral","sentiment_score":0.09243695717304945},{"text":"Yeah.","start":1331.925,"end":1332.425,"sentiment":"neutral","sentiment_score":0.13521820306777954}],"sentiment":"neutral","sentiment_score":-0.02201725707317774,"num_words":78,"start":1297.5,"end":1332.425},{"sentences":[{"text":"Yeah.","start":1373.41,"end":1373.91,"sentiment":"neutral","sentiment_score":0.08040827512741089},{"text":"Yeah.","start":1442.565,"end":1443.0449,"sentiment":"neutral","sentiment_score":0.184794157743454},{"text":"Alright.","start":1443.0449,"end":1443.445,"sentiment":"neutral","sentiment_score":0.10461502522230148},{"text":"Let me check.","start":1443.445,"end":1444.265,"sentiment":"neutral","sentiment_score":0.04260064847767353},{"text":"Yeah.","start":1447.445,"end":1447.83,"sentiment":"neutral","sentiment_score":0.03468489646911621}],"sentiment":"neutral","sentiment_score":0.07604347142790045,"num_words":7,"start":1373.41,"end":1447.83},{"sentences":[{"text":"Yeah.","start":1465.085,"end":1465.585,"sentiment":"neutral","sentiment_score":0.05592074990272522},{"text":"Well, I I overpay my mortgage as it is.","start":1468.0449,"end":1471.485,"sentiment":"neutral","sentiment_score":-0.14749777358439234},{"text":"It was just the thought of if I added that non to it, it would be even more paid down quicker.","start":1471.485,"end":1480.98,"sentiment":"neutral","sentiment_score":-0.09549438013207345},{"text":"But it it is literally in the back of my head that compounding factor.","start":1480.98,"end":1486.2,"sentiment":"neutral","sentiment_score":0.05529474360602243},{"text":"And now you've mentioned it, yes, that extra couple of percent compounding still is more beneficial than yeah.","start":1486.98,"end":1497.945,"sentiment":"neutral","sentiment_score":0.3150323298242357}],"sentiment":"neutral","sentiment_score":0.050282018288733465,"num_words":63,"start":1465.085,"end":1497.945},{"sentences":[{"text":"The paying off the mortgage at the current rate.","start":1498.885,"end":1503.3,"sentiment":"neutral","sentiment_score":0.18657978789673912},{"text":"Yeah.","start":1504.9801,"end":1505.4801,"sentiment":"neutral","sentiment_score":0.038436830043792725},{"text":"No.","start":1507.4601,"end":1507.9601,"sentiment":"neutral","sentiment_score":-0.045424316078424454},{"text":"I think I'll leave it as it is.","start":1508.02,"end":1509.78,"sentiment":"neutral","sentiment_score":-0.025500102434307337},{"text":"I I don't think yeah.","start":1509.78,"end":1511.3,"sentiment":"neutral","sentiment_score":-0.088957180082798}],"sentiment":"neutral","sentiment_score":0.04264349521448215,"num_words":24,"start":1498.885,"end":1511.3},{"sentences":[{"text":"Just that that little comment that you said about the compounding and still at that what would it let's just say this year's one is 7.89.","start":1511.3,"end":1519.835,"sentiment":"neutral","sentiment_score":0.0010322124983828801},{"text":"That is still higher than my mortgage of 5.89.","start":1520.055,"end":1523.255,"sentiment":"neutral","sentiment_score":0.045576971852117114},{"text":"So you're still gaining 2% compounding compared to my mortgage.","start":1523.255,"end":1531.08,"sentiment":"neutral","sentiment_score":0.14538632668554782},{"text":"So yeah.","start":1531.08,"end":1534.14,"sentiment":"neutral","sentiment_score":0.027995803393423557},{"text":"No.","start":1534.52,"end":1534.84,"sentiment":"neutral","sentiment_score":-0.07162083685398102}],"sentiment":"neutral","sentiment_score":0.03906800642531986,"num_words":48,"start":1511.3,"end":1534.84},{"sentences":[{"text":"No.","start":1534.84,"end":1535.08,"sentiment":"neutral","sentiment_score":-0.10621166229248048},{"text":"It was just an idea.","start":1535.08,"end":1536.04,"sentiment":"neutral","sentiment_score":-0.09678958058357238},{"text":"I just yeah.","start":1536.04,"end":1536.9199,"sentiment":"neutral","sentiment_score":-0.025073659295837086},{"text":"No.","start":1536.9199,"end":1537.1599,"sentiment":"neutral","sentiment_score":-0.06793878972530365},{"text":"I think it just confirmed that I would I'm in an hour and I'm trying to sort of yeah.","start":1537.1599,"end":1542.585,"sentiment":"neutral","sentiment_score":-0.03188530539505576}],"sentiment":"neutral","sentiment_score":-0.046177246045835056,"num_words":29,"start":1534.84,"end":1542.585},{"sentences":[{"text":"Because of, obviously, the concessional, non concessional, just changing it, and then it just popped into my head whether I would be stopped and stopped the non concessional.","start":1542.585,"end":1553.385,"sentiment":"neutral","sentiment_score":-0.06776742703680481},{"text":"I'll put it towards my mortgage instead.","start":1553.385,"end":1555.245,"sentiment":"neutral","sentiment_score":-0.019489350595644543},{"text":"But that's more beneficial, but yeah.","start":1556.6901,"end":1559.35,"sentiment":"neutral","sentiment_score":0.0306583729883035},{"text":"On one hand, it is, but on the other hand, maybe not.","start":1560.77,"end":1563.5901,"sentiment":"neutral","sentiment_score":-0.05102047153438131},{"text":"Yeah.","start":1579.445,"end":1579.945,"sentiment":"neutral","sentiment_score":0.02233305759727955}],"sentiment":"neutral","sentiment_score":-0.04518288470528744,"num_words":54,"start":1542.585,"end":1579.945},{"sentences":[{"text":"Yeah.","start":1629.645,"end":1629.965,"sentiment":"neutral","sentiment_score":0.1705097109079361},{"text":"Right.","start":1629.965,"end":1630.285,"sentiment":"neutral","sentiment_score":0.17451825737953186},{"text":"Okay.","start":1630.285,"end":1630.785,"sentiment":"neutral","sentiment_score":0.2203945517539978},{"text":"Yep.","start":1632.445,"end":1632.9249,"sentiment":"positive","sentiment_score":0.3822503089904785},{"text":"That sounds like an idea.","start":1632.9249,"end":1634.205,"sentiment":"positive","sentiment_score":0.5581164240837098}],"sentiment":"positive","sentiment_score":0.4153616610500548,"num_words":9,"start":1629.645,"end":1634.205},{"sentences":[{"text":"So, yeah, I'll keep it as it is.","start":1634.205,"end":1637.345,"sentiment":"positive","sentiment_score":0.45652780309319496},{"text":"Increase my salary sacrifice and reduce my non concessional a bit to to sort of put back into the salary sacrifice, so I swapped back over.","start":1638.845,"end":1657.165,"sentiment":"neutral","sentiment_score":0.20919188513205603},{"text":"So I am still doing both.","start":1657.9451,"end":1659.885,"sentiment":"neutral","sentiment_score":0.30115483204523724},{"text":"And, yeah, revisit it in January to see what needs to be done then, if anything.","start":1661.385,"end":1666.345,"sentiment":"neutral","sentiment_score":0.14355892362073064},{"text":"Because I think September October September because I'm already in the basically, the EBA has been done last year.","start":1666.345,"end":1676.6,"sentiment":"neutral","sentiment_score":0.1324756274882116}],"sentiment":"neutral","sentiment_score":0.209494935075442,"num_words":75,"start":1634.205,"end":1676.6},{"sentences":[{"text":"So I think I should get the agreed pay rise September, October.","start":1676.6,"end":1684.2999,"sentiment":"neutral","sentiment_score":0.3057905013362567},{"text":"So that's why January is a good idea because that would have been in effect and then I'll have a better idea there.","start":1684.795,"end":1691.535,"sentiment":"positive","sentiment_score":0.3832842020884804},{"text":"The 12 percent company is fixed.","start":1694.715,"end":1697.6951,"sentiment":"neutral","sentiment_score":0.00047827806944648427},{"text":"Sorry?","start":1699.7799,"end":1700.2799,"sentiment":"neutral","sentiment_score":-0.05456330627202988},{"text":"No.","start":1711.2999,"end":1711.7999,"sentiment":"neutral","sentiment_score":-0.29301562905311584}],"sentiment":"neutral","sentiment_score":0.282332869701434,"num_words":43,"start":1676.6,"end":1711.7999},{"sentences":[{"text":"That's a good question because I have no idea.","start":1712.0951,"end":1716.1151,"sentiment":"negative","sentiment_score":-0.3680017987887065},{"text":"Yeah.","start":1716.8151,"end":1717.3151,"sentiment":"neutral","sentiment_score":-0.18408045172691345},{"text":"Basically, there's been a couple of changes this year with regards to the company were paying us wrong, apparently, with regards to because I'm a shift worker.","start":1717.6151,"end":1727.97,"sentiment":"neutral","sentiment_score":-0.32911703928753183},{"text":"They worked it so that the public holidays and things, they didn't include those when we're off and things like that, but I don't know.","start":1729.87,"end":1744.125,"sentiment":"neutral","sentiment_score":-0.24967422485351562},{"text":"Basically, they were discussing things in the firework of rule against the company, and they've been told to pay us.","start":1744.125,"end":1751.85,"sentiment":"negative","sentiment_score":-0.4061865132302046}],"sentiment":"neutral","sentiment_score":-0.3261932022869587,"num_words":82,"start":1712.0951,"end":1751.85},{"sentences":[{"text":"So come this year, I had, like, a few lump sum payments, which has really thrown off my my income for this or the last financial year.","start":1752.01,"end":1763.865,"sentiment":"negative","sentiment_score":-0.5244628168918468},{"text":"So I'm not really a 100% sure what it actually was supposed to be with my moderate sort of overtime and all that sort of business.","start":1764.345,"end":1776.285,"sentiment":"negative","sentiment_score":-0.40866380242201},{"text":"So I haven't really got a figure to work off the year just gone.","start":1777.32,"end":1782.22,"sentiment":"negative","sentiment_score":-0.5045359624283654},{"text":"Yeah.","start":1784.6,"end":1785.0,"sentiment":"neutral","sentiment_score":-0.09674239903688432},{"text":"And the percentage coming in September, October.","start":1785.0,"end":1789.5,"sentiment":"neutral","sentiment_score":-0.06712134129234723}],"sentiment":"negative","sentiment_score":-0.43221133574843407,"num_words":75,"start":1752.01,"end":1789.5},{"sentences":[{"text":"Yeah.","start":1790.1349,"end":1790.2949,"sentiment":"neutral","sentiment_score":-0.08461800217628479},{"text":"So I'd have to I'd have to have a look at that and see what that increase is going to be.","start":1790.2949,"end":1796.855,"sentiment":"neutral","sentiment_score":-0.11719896289564315},{"text":"But I know as part of the EBA, the company contribution wasn't increased.","start":1796.855,"end":1805.595,"sentiment":"neutral","sentiment_score":-0.14897043544512528},{"text":"Yeah.","start":1807.36,"end":1807.68,"sentiment":"neutral","sentiment_score":-0.03291374072432518},{"text":"So I think it's still going to be it was twelve or 12:00 at the end.","start":1807.68,"end":1812.88,"sentiment":"neutral","sentiment_score":-0.039825898595154285}],"sentiment":"neutral","sentiment_score":-0.09908730773111948,"num_words":52,"start":1790.1349,"end":1812.88},{"sentences":[{"text":"Yeah.","start":1812.88,"end":1813.12,"sentiment":"neutral","sentiment_score":-0.034651074558496475},{"text":"Something like that.","start":1813.12,"end":1813.92,"sentiment":"neutral","sentiment_score":-0.08522978176673253},{"text":"That's what what it was, and they didn't increase that.","start":1813.92,"end":1818.3201,"sentiment":"neutral","sentiment_score":-0.14428826570510864},{"text":"It was, yeah, just a pay agreement, basically.","start":1818.3201,"end":1821.515,"sentiment":"neutral","sentiment_score":-0.0921162897720933},{"text":"Yes.","start":1842.4501,"end":1842.9501,"sentiment":"neutral","sentiment_score":0.19921135902404785}],"sentiment":"neutral","sentiment_score":-0.09873661026358604,"num_words":23,"start":1812.88,"end":1842.9501},{"sentences":[{"text":"Yeah.","start":1859.8351,"end":1860.0751,"sentiment":"neutral","sentiment_score":0.02302907034754753},{"text":"Yeah.","start":1860.0751,"end":1860.555,"sentiment":"neutral","sentiment_score":0.023593243211507797},{"text":"Okay.","start":1860.555,"end":1861.055,"sentiment":"neutral","sentiment_score":0.027257325127720833},{"text":"Well, it's been what is it?","start":1862.58,"end":1865.0,"sentiment":"neutral","sentiment_score":-0.02196517897148927},{"text":"A couple of weeks now since change of the year, and all that extra payment's pretty much gone now.","start":1865.46,"end":1877.595,"sentiment":"neutral","sentiment_score":-0.2765721725790124}],"sentiment":"neutral","sentiment_score":-0.18974223979083554,"num_words":28,"start":1859.8351,"end":1877.595},{"sentences":[{"text":"And I haven't done any extra shifts since the change of the financial year.","start":1878.455,"end":1885.495,"sentiment":"neutral","sentiment_score":-0.24131328399692262},{"text":"So, basically, I I know my top end before tax is 7,565.","start":1885.495,"end":1894.1799,"sentiment":"neutral","sentiment_score":-0.04636364368100961},{"text":"My net take home is $5.02 $6.07, and that's with a $100 salary salary sacrifice.","start":1895.5199,"end":1903.1399,"sentiment":"neutral","sentiment_score":-0.05385985809067885},{"text":"So yeah.","start":1904.275,"end":1904.755,"sentiment":"neutral","sentiment_score":0.0028489865362644196},{"text":"Basically, I was just gonna multiply that.","start":1904.755,"end":1907.895,"sentiment":"neutral","sentiment_score":0.025847711600363255}],"sentiment":"neutral","sentiment_score":-0.09112031234428286,"num_words":50,"start":1878.455,"end":1907.895},{"sentences":[{"text":"Yep.","start":1910.195,"end":1910.695,"sentiment":"neutral","sentiment_score":0.05367518961429596},{"text":"Forthnightly.","start":1915.795,"end":1916.295,"sentiment":"neutral","sentiment_score":0.031496837735176086},{"text":"$7.05 6 45¢.","start":1919.8999,"end":1922.3999,"sentiment":"neutral","sentiment_score":0.007609684718772769},{"text":"Yep.","start":1967.4249,"end":1967.9249,"sentiment":"neutral","sentiment_score":0.11616208404302596},{"text":"Yep.","start":1969.0249,"end":1969.5249,"sentiment":"neutral","sentiment_score":0.05975751206278801}],"sentiment":"neutral","sentiment_score":0.04605183214880526,"num_words":7,"start":1910.195,"end":1969.5249},{"sentences":[{"text":"Yeah.","start":2002.21,"end":2002.61,"sentiment":"neutral","sentiment_score":0.023424182087183},{"text":"Yep.","start":2002.61,"end":2003.11,"sentiment":"neutral","sentiment_score":0.034635741263628006},{"text":"Yeah.","start":2022.435,"end":2022.935,"sentiment":"neutral","sentiment_score":0.04326605051755905},{"text":"Okay.","start":2022.995,"end":2023.495,"sentiment":"neutral","sentiment_score":0.03149724751710892},{"text":"I think And the discussion I had was that was the maximum.","start":2023.795,"end":2039.6201,"sentiment":"neutral","sentiment_score":-0.053363450492421784}],"sentiment":"neutral","sentiment_score":-0.031721136532723904,"num_words":16,"start":2002.21,"end":2039.6201},{"sentences":[{"text":"So yeah, last year, we had this discussion, and I went to I think it was, like, I went I went to 200, and that was the maximum to avoid going over rather than three 100.","start":2039.8401,"end":2057.6501,"sentiment":"neutral","sentiment_score":-0.04416678333655},{"text":"And so, basically, it was 200 salary sacrifice and 200 personal.","start":2057.6501,"end":2064.87,"sentiment":"neutral","sentiment_score":-0.014421909708868374},{"text":"Yeah.","start":2065.7302,"end":2066.1301,"sentiment":"neutral","sentiment_score":0.01789076440036297},{"text":"So that was what I was thinking was because I've gone to 400 on the personal.","start":2066.1301,"end":2070.895,"sentiment":"neutral","sentiment_score":-0.012164200306870043},{"text":"So I've put that extra 100 back into salary sacrifice and leave the other one where it is at 300, and that leaves wiggle room for any additional income.","start":2071.355,"end":2086.7002,"sentiment":"neutral","sentiment_score":0.007384887495046032}],"sentiment":"neutral","sentiment_score":-0.018400214086737362,"num_words":93,"start":2039.8401,"end":2086.7002},{"sentences":[{"text":"Yeah.","start":2086.84,"end":2087.34,"sentiment":"positive","sentiment_score":0.3818205595016479},{"text":"Okay.","start":2091.9602,"end":2092.4602,"sentiment":"neutral","sentiment_score":0.029632756486535072},{"text":"Yeah.","start":2099.145,"end":2099.385,"sentiment":"neutral","sentiment_score":0.04157227277755737},{"text":"Okay.","start":2099.385,"end":2099.885,"sentiment":"neutral","sentiment_score":0.16508430242538452},{"text":"Perfect.","start":2100.2651,"end":2100.7651,"sentiment":"positive","sentiment_score":0.5407640933990479}],"sentiment":"neutral","sentiment_score":0.23177479691803454,"num_words":5,"start":2086.84,"end":2100.7651},{"sentences":[{"text":"That's pretty much what I was thinking.","start":2101.145,"end":2104.365,"sentiment":"positive","sentiment_score":0.36050928490502493},{"text":"But, yeah, with regards to the changes in income and the the company let's call it the super guarantee.","start":2104.5852,"end":2116.6401,"sentiment":"neutral","sentiment_score":0.18275252651227147},{"text":"Yeah.","start":2117.26,"end":2117.5,"sentiment":"neutral","sentiment_score":0.14488019049167633},{"text":"That's why I just wanted to confirm with you all that side of it and yep.","start":2117.5,"end":2123.36,"sentiment":"neutral","sentiment_score":0.1909025004133582},{"text":"So I'll swap that over and that should be good.","start":2123.98,"end":2127.835,"sentiment":"positive","sentiment_score":0.35396094620227814}],"sentiment":"neutral","sentiment_score":0.24027910673955702,"num_words":53,"start":2101.145,"end":2127.835},{"sentences":[{"text":"Okay.","start":2142.59,"end":2143.09,"sentiment":"positive","sentiment_score":0.38391613960266113},{"text":"Awesome.","start":2143.1501,"end":2143.6501,"sentiment":"positive","sentiment_score":0.621711254119873},{"text":"I think that's all I can think of.","start":2148.51,"end":2150.75,"sentiment":"positive","sentiment_score":0.3949213959276676},{"text":"So yeah.","start":2150.75,"end":2151.1501,"sentiment":"positive","sentiment_score":0.3531271666288376},{"text":"Awesome.","start":2151.1501,"end":2151.55,"sentiment":"positive","sentiment_score":0.625225305557251}],"sentiment":"positive","sentiment_score":0.42280601538144624,"num_words":13,"start":2142.59,"end":2151.55},{"sentences":[{"text":"Thanks for your help.","start":2151.55,"end":2152.59,"sentiment":"positive","sentiment_score":0.6952286064624786},{"text":"And, yep, Enjoy the rest of your day.","start":2152.59,"end":2159.503,"sentiment":"positive","sentiment_score":0.4737408496439457},{"text":"Thank you.","start":2159.6028,"end":2160.6829,"sentiment":"positive","sentiment_score":0.5011721700429916},{"text":"Bye.","start":2160.6829,"end":2161.1829,"sentiment":"neutral","sentiment_score":0.2589861750602722}],"sentiment":"positive","sentiment_score":0.5221447825431824,"num_words":15,"start":2151.55,"end":2161.1829}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Good morning. Carl. Larissa here. How are you going?\n\nChannel 1: Sorry, Larissa. It's actually me. I thought I would come through first. He doesn't have the he doesn't have the email in front of him. He's he's lost it, but he said it's real recent that it came through, and I can't see any file notes anywhere of who sent it.\n\nChannel 0: No. Like, last Friday, I went through and did, like, a a bit of a bulk send, but I was sending like, calling, sending, file noting,\n\nChannel 1: Yeah.\n\nChannel 0: and\n\nChannel 1: Yeah.\n\nChannel 0: I was\n\nChannel 1: For\n\nChannel 0: really,\n\nChannel 1: sure.\n\nChannel 0: really onto it doing the file note. I double checked to make sure, like, I didn't miss him,\n\nChannel 1: Yeah.\n\nChannel 0: and I didn't like, I didn't send anything, and I can't see anything either. So\n\nChannel 1: Yeah. No. No. No. You you're totally fine.\n\nJust to give you he knows that it's about contributions, and he he could give me the kind of a little bit of what\n\nChannel 0: oh,\n\nChannel 1: was in there,\n\nChannel 0: you\n\nChannel 1: but\n\nChannel 0: want do you wanna know\n\nChannel 1: yep.\n\nChannel 0: who sent it? So if you go to the NOI spreadsheet, it has CSO assigned next to it. And any of\n\nChannel 1: Who?\n\nChannel 0: the ones that I sent, I put my initials next to it,\n\nChannel 1: Yeah.\n\nChannel 0: same as everyone else, and the initials next to it, the w s. So, yeah, pop\n\nChannel 1: Oh\n\nChannel 0: him\n\nChannel 1: my\n\nChannel 0: through.\n\nChannel 1: fucking god. Okay. Beautiful. I'm gonna you have Carl in 321.\n\nChannel 0: Hi, Carla. How are you going?\n\nChannel 1: I'm good. Thank you. Yourself?\n\nChannel 0: Yeah. Really good. Thank you. I understand you were just reaching out with respect to the notes of intent or the the the contribution email you received.\n\nChannel 1: Yes. Yeah.\n\nChannel 0: Yeah. Cool. I had a look through the system. I can see the email that you got sent. It was just buried in your file, unfortunately.\n\nMaddie couldn't see it straight up. But with respect to that one, basically, the the reason we send those emails is when we know that the client adds any contributions to their fund personally, We always wanna sort of make sure that from a tax perspective, we can investigate that and see whether there's any benefit to converting those funds from a personal contribution basically into something like an employer contribution. So from\n\nChannel 1: Yeah.\n\nChannel 0: a, I guess, like a the the terminology is from non concessional or the personal to concessional. So the concessional\n\nChannel 1: Yep.\n\nChannel 0: contributions tax at the at the superannuation rate versus a non concessional or a personal contribution means that you've already been taxed at your highest marginal tax rate. Now I know that you have put in twenty nine thousand two hundred and thirty six dollars and sixty four cents into your fund concessionally from, like, employment contributions, and the limit is $30,000 in a year.\n\nChannel 1: Yeah.\n\nChannel 0: But I guess the conversation and and what I sort of wanna, I guess, dig into and see is do we have the availability to claim? Because you you put in $88,200, like, nonconcessional or personally. And it's a, I guess, a conversation to see whether we claim some of that, claim all of that, how that works, what that triggers, and I guess the the point of you putting the money in. Because theoretically speaking, your balance is under $500,000, so we actually can utilize some of your previous financial year contribution caps. Tell me to slow down if I'm going too fast or if none of this\n\nChannel 1: No.\n\nChannel 0: is making\n\nChannel 1: No.\n\nChannel 0: sense.\n\nChannel 1: I understand. I yep. I understand\n\nChannel 0: Cool.\n\nChannel 1: everything. Yep.\n\nChannel 0: So so because we can use some of the previous years, like, concessional contribution caps, we could theoretically claim the at least some or all of that $8,200. I'd obviously need to dig in a little bit deeper and just make sure that we have the room to claim all of it\n\nChannel 1: Right.\n\nChannel 0: given\n\nChannel 1: Okay.\n\nChannel 0: your\n\nChannel 1: I know\n\nChannel 0: your income.\n\nChannel 1: I have zero left last year. So what was it? Like, $800 or something like that? That's\n\nChannel 0: Basically,\n\nChannel 1: all\n\nChannel 0: yeah.\n\nChannel 1: I've got. I've used up\n\nChannel 0: Yeah.\n\nChannel 1: all the previous years. So I've been on this, and I've made a mistake a couple of years now and again when I haven't kept an eye on it and gone over. So, basically, all my non concessional wiggle room has gone other than that 800\n\nChannel 0: Yep.\n\nChannel 1: dollars for the the year just gone.\n\nChannel 0: Okay. Well, if you wanna claim, basically, the $800 that we can claim so we max out that year, the rest of the money stays as an so we could claim that $800 concessionally. We fully capped that year out. Means you have a bit of a tax deduction that you can pop onto your onto your tax return. It's not a lot, but it's a little bit that we can obviously claim.\n\nAnd then the rest of that stays nonconcessional. So it means that there's just a little bit more money in the in the fund to be able to compound over time and keep boosting on your retirement savings that way.\n\nChannel 1: To be honest with you, for $800 worth, I think I'll just leave it as it is because I don't think\n\nChannel 0: Yep.\n\nChannel 1: it's gonna be a massive amount of money. Yeah. And plus that 800, what whatever it is, that will be extra wiggle room for next year if I need it because it it stays there, doesn't it? That\n\nChannel 0: It it does. Providing your balance stays under $500,000 at the turn of the financial year, so from June 30, you are able to look back on previous financial years and basically claw forward any of the unused space. But once your balance rolls over $500,000, you no longer have the availability to look back on previous years, and that that avenue becomes closed too.\n\nChannel 1: Yeah. Yeah. Okay. Well, I mean, hopefully, it goes above 500 in this financial year, but\n\nChannel 0: Yes.\n\nChannel 1: the way things are going, I don't see it. I mean, I think that was another question I'm gonna ask as well is what was my actual figure for this year. I've had a rough look, but nothing exact.\n\nChannel 0: As\n\nChannel 1: Yeah.\n\nChannel 0: in, like,\n\nChannel 1: I\n\nChannel 0: your\n\nChannel 1: think\n\nChannel 0: exact\n\nChannel 1: I was\n\nChannel 0: return figure or your balance figure?\n\nChannel 1: returned figure. So I've sort of had a quick look. I looked to me around about a 9.2, 9.3, but that was literally just me touching on the graph of when the year started to when the year finished, and it looked around about that 9.3. Yeah. So, basically, I've got I think it was 421 with the last time I looked.\n\nSo, I mean, that's 42. So I'm still under the 500 if 10¢ for this year coming. So yeah. And, again, it's only $800 worth of yeah.\n\nChannel 0: Yes. No. And and, honestly, it's pretty reasonable for you to leave that $800 to be able to look back on it for this financial year because it gives you that availability to do so rather than utilizing it for just this year. So that way, if your contributions do go over this year, you have that that room,\n\nChannel 1: Yeah.\n\nChannel 0: which is good.\n\nChannel 1: Okay. Yep.\n\nChannel 0: So net net of all fees, you're looking at 7.89. So that's after all fees and after everything else. That's the $7.08 9. So the 9 whatever it was that you sort of quoted probably sounds\n\nChannel 1: Yeah.\n\nChannel 0: about right from a gross perspective.\n\nChannel 1: Yes. That's right. And that's the figure I was looking for was yeah, the as I said, I just basically touched on the graph of balance and went from year to year. So yeah. Yes.\n\nSo I know the American president has put his finger in the works and sort of made the right mess of everything. But, yeah, I am obviously slightly disappointed with that sort of return figure. But, I mean, it is what it is when you got somebody like that upset in the global market and everything. Yeah. So hopefully, this year coming, it's better than that.\n\nChannel 0: Yeah. Well, economically speaking, even though there have been quite a number of, like, legislative changes even within our own country, it's actually looking like things are going to improve quite a little bit across some of the market segments. Like, don't me wrong. Not all market segments are gonna always improve, which is why diversification is always important. But when it comes down to to some of the legislation changes, like the tax changes that have just gone through for Australia, things are actually looking quite positive.\n\nEven though a lot of people are pretty skeptical about them, they're actually not as bad as what everyone's sort of saying they are to begin with. So I am actually quite hopeful that come the end of this year, things are actually gonna sort of turn around quite nicely.\n\nChannel 1: Yeah. Right. Okay. Yeah. Well, I've got very little in terms of investment, like, property or any I've got no property over here other than what I'm in.\n\nSo that capital gains thing is minor for me at the moment.\n\nChannel 0: But\n\nChannel 1: Yeah.\n\nChannel 0: capital\n\nChannel 1: So\n\nChannel 0: gains doesn't just affect property. Like, negative gearing affects property, but capital gains affects any investment\n\nChannel 1: yeah.\n\nChannel 0: even\n\nChannel 1: Well,\n\nChannel 0: when you hold, you know, shares and stocks.\n\nChannel 1: yeah. Oh, but that's not a big deal when it comes to super though, is it?\n\nChannel 0: Super's treated differently from a capital gains\n\nChannel 1: Yeah.\n\nChannel 0: perspective, but it does get it doesn't does incur capital gains. Once you hit retirement phase and move into a full retirement fund, no. Capital gains no longer becomes relevant. But within a superannuation environment or accumulation, capital gains is definitely there. It's just calculated very differently to personal capital gains.\n\nChannel 1: Yeah. Yeah. Yep. Yeah. The only thing I've got other than that, I've got a a kids.\n\nWhat do you call it? One of them I can't remember the direct the correct term. I've just got one of them Vanguard kids investment things.\n\nChannel 0: Yep. Yep.\n\nChannel 1: But\n\nChannel 0: Like an investment account.\n\nChannel 1: I've I've put that in my wife's name so that because of my tax liabilities compared to hers.\n\nChannel 0: Income. Yeah.\n\nChannel 1: So, yeah, it shouldn't be as bad. Yeah. So I shouldn't be affected other than my employment sizings, hopefully. And, yes, another question I have now with regards to the contributions, it's the non concessional has gone up to 32 and a\n\nChannel 0: Concessional has gone up to 32 and a half. Yes. And\n\nChannel 1: half.\n\nChannel 0: then\n\nChannel 1: Sorry.\n\nChannel 0: the nonconcessional\n\nChannel 1: Yeah. The other way around.\n\nChannel 0: has gone\n\nChannel 1: Yep.\n\nChannel 0: up to a 130.\n\nChannel 1: Yep. So I can't remember who I spoke to, but, basically, I had to drop off my salary sacrifice to stay under the the cap.\n\nChannel 0: Yep.\n\nChannel 1: I think it was about January time I had to do that.\n\nChannel 0: Mhmm.\n\nChannel 1: Yes. So I would like to sort of discuss what's better. I mean, I know of the the tax the taxes less on the concessional. So without going over the limit, do I increase that and then look at it again in January time to sort of stop and then go back? So, basically, swap from non concessional back into concessional and then look at it from January time to sort\n\nChannel 0: What see whether you drop it.\n\nChannel 1: of\n\nChannel 0: So what you\n\nChannel 1: yeah.\n\nChannel 0: could do so there's there's a couple of different methodologies to it because you are because your income is quite high and you do, you know, obviously, contribute as well, what there's, like, I guess, two two methodologies to it. You, a, just, like, calculate to a degree what your what your income is expected to be and how much you therefore have in a gap. Leave a little bit of wiggle room in case you get a little bit of bonus or an increase or whatever the case may be, and\n\nChannel 1: Yep.\n\nChannel 0: we run with that methodology. If you do get an increase that is going to exceed anything, then we we were we, you know, reduce it midway through the year. The other methodology is that ongoing through the year, providing you can be without the income, you instead of salary sacrificing, you contribute nonconcessional, so after you've been taxed at your marginal rate. It means that throughout the year from a tax perspective, you pay the highest marginal rate based on your income. Your super fund ends up with basically tax paid money, so it pays no tax during the year, which means there's more money to invest throughout the year, more compounding.\n\nAnd then in July, like, we're having a conversation now, we send out an email always in that June, July period to be like, hey. You've made personal contributions. Let's claim. And we can do the calculation to figure out what the gap is. So it means that if you've put in $8,000 throughout the year, your employer has put in, you know, $25,000, we can claim that gap all the way up to the 32.5.\n\nSo that way, we we know we're we're covering down to every single cent. Because even if we do calculate as much as possible from a salary sacrifice point of view, there's always gonna come a time where there is a little bit of a gap because dollars and cents. So the the nonconcessional contribution methodology does work really nicely from that degree, especially if you're wanting to utilize as much as possible. And then from a tax perspective, when we submit the notice of intent to claim, what that does is it notifies the Superfund to pay its 15% tax obligation, and you get to then claim your marginal rate back.\n\nChannel 1: Right.\n\nChannel 0: So\n\nChannel 1: Take\n\nChannel 0: tax\n\nChannel 1: care.\n\nChannel 0: wise, it all washes out the same way as if you salary sacrifice versus if you were to do it as a personal claim. And it it's they're called personal deductible contributions is how is what that strategy is. So you put the money in nonconcessionally, so after tax paid, and then you submit we can submit the document. All I need is your verbal go ahead to submit it. I can submit the document for you.\n\nAnd once it's submitted, it takes the fund between three to five days to authorize it. They submit a notice to the ATO. You get a receipt emailed as well, so that way you have one for your tax file.\n\nChannel 1: Yep.\n\nChannel 0: But the ATO is notified. So when you do your tax return, it's already sitting there on your file like your employer's information is.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: So there there's, I guess, those two methods. It's just, I guess, dependent on how specifically you would like to run it. Like, where I can definitely we can definitely run with, like, the January touch base. Like, there's absolutely nothing wrong with that point. January touch base where it's just a pay slip to say, hey.\n\nI've been paid this much. I expect to continue earning my same rate, or, actually, I'm gonna get a pay rise or whatever the case may be or, you know, employer bargaining agreements happened, and we're getting paid 14% contributions rather than 12.\n\nChannel 1: Yeah.\n\nChannel 0: And we can negotiate there. Obviously, if you jumped up to 14%, this is probably not gonna be it's not gonna work out nicely, but there is sort of that that that way as well.\n\nChannel 1: Yeah. Yeah. Yeah. Okay. Well, because of the 500,000 limit, I think just because I've done it pretty much every year this way, I think I'll carry\n\nChannel 0: Yeah.\n\nChannel 1: on doing it, the salary sacrifice, yeah, maybe for this year and then see what the balance is\n\nChannel 0: Yep.\n\nChannel 1: and, yeah, then look at doing it the other way that you said and claim back on the non concessional instead then.\n\nChannel 0: Yes.\n\nChannel 1: Yeah. Okay. And, yeah, basically, revisit it in January again and then go from there and, yeah, maybe look at changing it next year to the other method because I dare\n\nChannel 0: Yeah.\n\nChannel 1: say\n\nChannel 0: Because\n\nChannel 1: I'll\n\nChannel 0: your\n\nChannel 1: be\n\nChannel 0: your your\n\nChannel 1: sorry.\n\nChannel 0: your employee can pay it your employee can pay it nonconcessionally. So it can you can continue paying it the way you're paying it now, like, as if it was a salary sacrifice. But it's just in the back end, instead of it being a salary sacrifice arrangement and your employer not charging marginal tax on that amount, they would charge marginal tax and then out of your net income then pay to your super fund.\n\nChannel 1: Right. Okay.\n\nChannel 0: And your employer can literally set it up in, like, zero or whatever pay software they use.\n\nChannel 1: Yeah. Right. Okay. Right. Okay.\n\nChannel 0: But what\n\nChannel 1: Yep.\n\nChannel 0: I'll do for this what I'll do for the $25.26 tax year is I will leave the personal contribution that you've made as a personal contribution. I will leave the slight gap that you have in your concessional cap as it stands, and we can revisit it June, July 2027 as to what your balance looks like and how much we can claim. Because if you if you make personal contributions throughout the year or if you make a lump sum, whatever the case may be, you know, we'll still touch base with you in January anyway, and we can kinda\n\nChannel 1: Yep.\n\nChannel 0: do a calculation as to how you're tracking, and and we can kinda go from there.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Perfect.\n\nChannel 1: Just one more question, sorry, with\n\nChannel 0: Absolutely.\n\nChannel 1: regards to\n\nChannel 0: No.\n\nChannel 1: this\n\nChannel 0: You're fine.\n\nChannel 1: non concessional. So, basically, when I had the chat, I think it was with Tarek in January. Basically, we discussed\n\nChannel 0: Call me.\n\nChannel 1: this oh, Tommy. Yes. Sorry. Tommy.\n\nChannel 0: Yes. No. You're okay.\n\nChannel 1: And I increased my non concessional to offset the\n\nChannel 0: Yes.\n\nChannel 1: salary sacrifice. And so that's what I was\n\nChannel 0: Mhmm.\n\nChannel 1: going to do now was revert it, basically. So less\n\nChannel 0: Yep.\n\nChannel 1: increased salary and less the personal contributions. But\n\nChannel 0: Yep.\n\nChannel 1: I'm just talking with the idea of increasing the salary sacrifice and then decreasing the nonconfessional.\n\nChannel 0: Personal.\n\nChannel 1: But is it better to pay down my mortgage with that instead of super to free up so, you know, basically pay down my mortgage quicker or with regards to the compounding interest. Yeah.\n\nChannel 0: I can calculate it for you. But, realistically speaking, investment wise, unless your mortgage is sitting at 9%, investment compound is going to outbeat your six, six and a half percent mortgage in terms of interest versus interest incurred on a mortgage.\n\nChannel 1: Yeah. Yeah. That's\n\nChannel 0: However, the downside to that is is that paying money off your mortgage is guaranteed savings versus the risk that's associated with any form of\n\nChannel 1: that's\n\nChannel 0: investment. You have down years.\n\nChannel 1: Yeah. Yeah. That's that's sort of what my angle is. It's like that's a that's a debt that can be paid off quicker versus the potential for yeah. You pay in, but you're not physically seeing that money or potentially not seeing that money grow because it is reliant on the markets as such whereas, obviously, the the mortgage is a definite sort of it's it's there.\n\nYou know, it's actually sort of real terms and saving as such. Yeah.\n\nChannel 0: Yes. With so there's there's, I guess so there's there's there's the exact there's the exact two thought process that we just had, which is do I guess, do you focus on putting money into your mortgage to make sure that is it pay it down quicker? And then after that point, then you can redirect your funds towards retirement savings, which will then give you less time to have that compound, which history shows that compounding over a longer period of time gets you better outcomes every time.\n\nChannel 1: Yeah.\n\nChannel 0: Or do you direct as much as you can towards compounding on your investment and pay down the mortgage at the rate that you're currently paying it, which is gonna take x amount of time longer. The only way I could really look at it would be to model it out properly to get the time frames, what's left on your mortgage, what the interest rate is, you know, if you were to pay x amount more to your mortgage, how much interest is gonna be saved, and how much quicker would you actually pay it down. And I can 100% do that. All I need is a a mortgage snapshot to be able to sort of give you that information, and then I can just kind of direct the money that you're currently salary sacrificing towards paying off the mortgage and show you what that outcome is versus the salary sacrifice arrangement. And it gives you it gives you information so you can make an informed decision,\n\nChannel 1: Yeah. Alright. Let me check.\n\nChannel 0: and we can chat about it. Doesn't have to be today.\n\nChannel 1: Yeah.\n\nChannel 0: Doesn't have to be tomorrow. If you wanna just sit on it for now, we can talk in January. It's it it's fine either either way. I'm I'm I'm very happy to do it for you now. But like I said, I just need a snapshot of the mortgage to be able to do so.\n\nChannel 1: Yeah. Well, I I overpay my mortgage as it is. It was just the thought of if I added that non to it, it would be even more paid down quicker. But it it is literally in the back of my head that compounding factor. And now you've mentioned it, yes, that extra couple of percent compounding still is more beneficial than yeah.\n\nThe paying off the mortgage at the current rate. Yeah. No. I think I'll leave it as it is. I I don't think yeah.\n\nJust that that little comment that you said about the compounding and still at that what would it let's just say this year's one is 7.89. That is still higher than my mortgage of 5.89. So you're still gaining 2% compounding compared to my mortgage. So\n\nChannel 0: Yeah.\n\nChannel 1: yeah. No. No. It was just an idea. I just yeah.\n\nNo. I think it just confirmed that I would I'm in an hour and I'm trying to sort of yeah. Because of, obviously, the concessional, non concessional, just changing it, and then it just popped into my head whether I would be stopped and stopped the non concessional. I'll put it towards my mortgage instead. But that's more beneficial, but yeah.\n\nOn one\n\nChannel 0: Yep.\n\nChannel 1: hand, it\n\nChannel 0: The\n\nChannel 1: is, but on the other hand, maybe\n\nChannel 0: the\n\nChannel 1: not.\n\nChannel 0: yes. The the biggest takeaway I have for you is, realistically, you need to continue non concessionally contributing at least a little bit. So that way, when the end of the year turns around, we can put that claim\n\nChannel 1: Yeah.\n\nChannel 0: in. Because it's it's you you have a 100 sorry. A 100 $425,425,000 in your account now. So it's not it's not gonna be long before you do flip over to that 9 to that 500, which, again, closes off that avenue for you to be able to look back. But if you make the non concessional contributions within the financial year, you can NOI claim them.\n\nIt's not looking back at all. You are able to NOI claim them. So if you make them this year, we can look back on last year and claim that $800 if your account does flip over that 500,000 by the end of this fine this current financial 2027 year.\n\nChannel 1: Yeah. Right. Okay. Yep. That sounds like an idea.\n\nSo, yeah, I'll keep it as it is. Increase my salary sacrifice and reduce my non concessional a bit to to sort of put back into the salary sacrifice, so I swapped back over. So I am still doing both. And, yeah, revisit it in January to see what needs to be done then, if anything. Because I think September October September because I'm already in the basically, the EBA has been done last year.\n\nSo I think I should get the agreed pay rise September, October. So that's why January is a good idea because that would have been in effect and then I'll have a better idea there.\n\nChannel 0: Yep.\n\nChannel 1: The 12\n\nChannel 0: What's\n\nChannel 1: percent\n\nChannel 0: your what's\n\nChannel 1: company\n\nChannel 0: your second income\n\nChannel 1: is fixed.\n\nChannel 0: in this? Lose? What's\n\nChannel 1: Sorry?\n\nChannel 0: what's your what's your expected income to be what are you what are you expecting your income to change to?\n\nChannel 1: No. That's a good question because I have no idea. Yeah. Basically, there's been a couple of changes this year with regards to the company were paying us wrong, apparently, with regards to because I'm a shift worker.\n\nChannel 0: Yes.\n\nChannel 1: They worked it so that the public holidays and things, they didn't include those when we're off and things like that, but I don't know. Basically, they were discussing things in the firework of rule against the company, and they've been told to pay us. So come this year, I had, like, a few lump sum payments, which has really thrown off my my income for this or the last financial year. So I'm not really\n\nChannel 0: Yeah.\n\nChannel 1: a 100% sure what it actually was supposed to be with my moderate sort of overtime and all that sort of business. So I haven't really got a figure to work off the year just gone. Yeah. And the percentage coming in September, October. Yeah.\n\nSo I'd have to I'd have to have a look at that and see what that increase is going to be. But I know as part of the EBA, the company contribution wasn't increased. Yeah. So I think it's still going to be it was twelve\n\nChannel 0: Day\n\nChannel 1: or\n\nChannel 0: to\n\nChannel 1: 12:00\n\nChannel 0: twelve.\n\nChannel 1: at the end. Yeah. Something like that. That's what what it was, and they didn't increase that. It was, yeah, just a pay agreement, basically.\n\nChannel 0: Okay. Alright. That's okay. No. That's that's not an issue at all.\n\nIf yeah. I mean, once you do know your income, if you can even just, like, flick an email through to myself or Tommy or through to one of the admin email addresses, and they'll get it through to Tommy or I just so we\n\nChannel 1: Yes.\n\nChannel 0: can have a look. And then we just send you an email saying, like, you know, still fine or whatever the case may be just so we we can keep a little bit of an eye on it as well from the income perspective.\n\nChannel 1: Yeah. Yeah. Okay. Well, it's been what is it? A couple of weeks now since change of the year, and all that extra payment's pretty much gone now.\n\nAnd I haven't done any extra shifts since the change of the financial year. So, basically, I I know my top end before tax is 7,565. My net take home is $5.02 $6.07, and that's with a $100 salary salary sacrifice. So yeah. Basically,\n\nChannel 0: Alright.\n\nChannel 1: I\n\nChannel 0: So\n\nChannel 1: was just gonna multiply\n\nChannel 0: 7\n\nChannel 1: that.\n\nChannel 0: $5.65 is your gross?\n\nChannel 1: Yep.\n\nChannel 0: Is that the monthly, fortnightly,\n\nChannel 1: Forthnightly.\n\nChannel 0: weekly fortnightly call?\n\nChannel 1: $7.05 6 45¢.\n\nChannel 0: Because the 45¢ matters. Cool. So fortnightly income of $7.05 65 would mean that annually your income's about $126.84. Cool. Which means contributions on that from your employer Nope.\n\nCool. That's that's better. Sorry. I had a setting wrong. Oh, and that was your net anyway.\n\nSorry. Gross income is $1.96, $6.90. That\n\nChannel 1: Yep.\n\nChannel 0: sounds better, doesn't it? And that\n\nChannel 1: Yep.\n\nChannel 0: mathematically makes sense now. I was looking at it. I'm like, where where is what is wrong? Why is settings wrong? Because I was working on another client before you called in, which means that super contributions direct from your employer would be sitting around the $23,600.\n\nSo gap wise, we don't have heaps to move with, but we've got a little bit. It's, you know, sort of $99,000 roughly. So\n\nChannel 1: Yeah.\n\nChannel 0: $8.80\n\nChannel 1: Yep.\n\nChannel 0: 900 if you wanna be specific. So, theoretically, 8,900 across the year, like, 26 periods, you've got sort of $340 per fortnight that you could pop\n\nChannel 1: Yeah. Okay.\n\nChannel 0: in.\n\nChannel 1: I think\n\nChannel 0: But that that's getting real close to you. That's getting that's that is, like, pretty muchly on your cap, and you could blow out really easily with some overtime or whatever the case may be.\n\nChannel 1: And the discussion I had was that was the maximum. So yeah, last\n\nChannel 0: Mhmm.\n\nChannel 1: year, we had this discussion, and I went to I think it was, like, I went I went to 200, and that was the maximum to avoid going over\n\nChannel 0: Popping\n\nChannel 1: rather\n\nChannel 0: out.\n\nChannel 1: than three\n\nChannel 0: Yeah.\n\nChannel 1: 100. And so, basically, it was 200 salary sacrifice and 200\n\nChannel 0: Yes.\n\nChannel 1: personal. Yeah. So that was what I was thinking was because I've gone to 400 on the personal. So I've put that extra 100 back into salary sacrifice and leave the other one where it is at 300, and\n\nChannel 0: Yep.\n\nChannel 1: that leaves wiggle room for any additional\n\nChannel 0: Absolutely.\n\nChannel 1: income. Yeah.\n\nChannel 0: I would definitely agree with that.\n\nChannel 1: Okay.\n\nChannel 0: Going 200 on the on your sales tax would, yeah, would be I wouldn't go more.\n\nChannel 1: Yeah. Okay. Perfect. That's pretty much what I was thinking. But, yeah, with regards to the changes in income and the the company let's call it the super guarantee.\n\nYeah. That's why I just wanted to confirm with you all that side of it and yep. So I'll swap\n\nChannel 0: Good\n\nChannel 1: that\n\nChannel 0: for now.\n\nChannel 1: over and that should be good.\n\nChannel 0: Perfect. Amazing. Well, if there is anything else that pops up what you that you think of or wanna talk about, please feel free to give us a call. Absolutely no issues at all.\n\nChannel 1: Okay. Awesome.\n\nChannel 0: Perfect. Well, thanks for the cold call.\n\nChannel 1: I think that's all I can think of. So yeah. Awesome. Thanks for your help. And, yep, Enjoy the rest\n\nChannel 0: Will do. You too.\n\nChannel 1: of your day. Thank you. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Good morning.","start":1.04,"end":1.8399999,"sentiment":"positive","sentiment_score":0.3390497863292694},{"text":"Carl.","start":1.8399999,"end":2.08,"sentiment":"neutral","sentiment_score":0.22774258255958557},{"text":"Larissa here.","start":2.08,"end":2.8,"sentiment":"neutral","sentiment_score":0.21631227433681488},{"text":"How are you going?","start":2.8,"end":3.6999998,"sentiment":"neutral","sentiment_score":0.2594740018248558}],"sentiment":"neutral","sentiment_score":0.26404030124346417,"channel":0,"num_words":9,"start":1.04,"end":3.6999998},{"sentences":[{"text":"Sorry, Larissa.","start":4.08,"end":5.04,"sentiment":"neutral","sentiment_score":-0.11142628267407417},{"text":"It's actually me.","start":5.04,"end":5.92,"sentiment":"neutral","sentiment_score":-0.07941501339276631},{"text":"I thought I would come through first.","start":5.92,"end":7.8599997,"sentiment":"neutral","sentiment_score":-0.10987874120473862},{"text":"He doesn't have the he doesn't have the email in front of him.","start":9.28,"end":13.599999,"sentiment":"neutral","sentiment_score":-0.1532420779650028},{"text":"He's he's lost it, but he said it's real recent that it came through, and I can't see any file notes anywhere of who sent it.","start":13.599999,"end":21.005,"sentiment":"neutral","sentiment_score":-0.3232270209835126}],"sentiment":"neutral","sentiment_score":-0.22796663437403886,"channel":1,"num_words":51,"start":4.08,"end":21.005},{"sentences":[{"text":"No.","start":21.195,"end":21.595001,"sentiment":"neutral","sentiment_score":-0.23547330498695376},{"text":"Like, last Friday, I went through and did, like, a a bit of a bulk send, but I was sending like, calling, sending, file noting,","start":21.595001,"end":28.79,"sentiment":"neutral","sentiment_score":-0.10328234866261482}],"sentiment":"neutral","sentiment_score":-0.10836661621355094,"channel":0,"num_words":26,"start":21.195,"end":28.79},{"sentences":[{"text":"Yeah.","start":28.585,"end":29.085,"sentiment":"neutral","sentiment_score":-0.02605072222650051}],"sentiment":"neutral","sentiment_score":-0.02605072222650051,"channel":1,"num_words":1,"start":28.585,"end":29.085},{"sentences":[{"text":"and","start":29.09,"end":29.25,"sentiment":"neutral","sentiment_score":-0.022993624210357663}],"sentiment":"neutral","sentiment_score":-0.022993624210357663,"channel":0,"num_words":1,"start":29.09,"end":29.25},{"sentences":[{"text":"Yeah.","start":29.224998,"end":29.544998,"sentiment":"neutral","sentiment_score":-0.027895396575331688}],"sentiment":"neutral","sentiment_score":-0.027895396575331688,"channel":1,"num_words":1,"start":29.224998,"end":29.544998},{"sentences":[{"text":"I was","start":29.25,"end":29.650002,"sentiment":"neutral","sentiment_score":-0.02649029716849327}],"sentiment":"neutral","sentiment_score":-0.02649029716849327,"channel":0,"num_words":2,"start":29.25,"end":29.650002},{"sentences":[{"text":"For","start":29.544998,"end":29.785,"sentiment":"neutral","sentiment_score":-0.04352020099759102}],"sentiment":"neutral","sentiment_score":-0.04352020099759102,"channel":1,"num_words":1,"start":29.544998,"end":29.785},{"sentences":[{"text":"really,","start":29.650002,"end":29.970001,"sentiment":"neutral","sentiment_score":-0.05679027736186981}],"sentiment":"neutral","sentiment_score":-0.05679027736186981,"channel":0,"num_words":1,"start":29.650002,"end":29.970001},{"sentences":[{"text":"sure.","start":29.785,"end":30.285,"sentiment":"neutral","sentiment_score":-0.026874102652072903}],"sentiment":"neutral","sentiment_score":-0.026874102652072903,"channel":1,"num_words":1,"start":29.785,"end":30.285},{"sentences":[{"text":"really onto it doing the file note.","start":29.970001,"end":31.810001,"sentiment":"neutral","sentiment_score":-0.04697979986667633},{"text":"I double checked to make sure, like, I didn't miss him,","start":31.810001,"end":34.31,"sentiment":"neutral","sentiment_score":-0.05590641058304093}],"sentiment":"neutral","sentiment_score":-0.05243495086001025,"channel":0,"num_words":18,"start":29.970001,"end":34.31},{"sentences":[{"text":"Yeah.","start":34.61,"end":35.11,"sentiment":"neutral","sentiment_score":-0.11296222358942032}],"sentiment":"neutral","sentiment_score":-0.11296222358942032,"channel":1,"num_words":1,"start":34.61,"end":35.11},{"sentences":[{"text":"and I didn't like, I didn't send anything, and I can't see anything either.","start":34.690002,"end":38.21,"sentiment":"negative","sentiment_score":-0.4261405063526971},{"text":"So","start":38.21,"end":38.71,"sentiment":"neutral","sentiment_score":-0.1495705097913742}],"sentiment":"negative","sentiment_score":-0.40770250658194224,"channel":0,"num_words":15,"start":34.690002,"end":38.71},{"sentences":[{"text":"Yeah.","start":38.45,"end":38.93,"sentiment":"neutral","sentiment_score":-0.08776199817657471},{"text":"No.","start":38.93,"end":39.09,"sentiment":"neutral","sentiment_score":-0.20806747674942017},{"text":"No.","start":39.09,"end":39.25,"sentiment":"neutral","sentiment_score":-0.22084760665893555},{"text":"No.","start":39.25,"end":39.489998,"sentiment":"neutral","sentiment_score":-0.2015170007944107},{"text":"You you're totally fine.","start":39.489998,"end":40.61,"sentiment":"neutral","sentiment_score":0.12939361110329628}],"sentiment":"neutral","sentiment_score":-0.0250774547457695,"channel":1,"num_words":8,"start":38.45,"end":40.61},{"sentences":[{"text":"Just to give you he knows that it's about contributions, and he he could give me the kind of a little bit of what","start":40.61,"end":46.21,"sentiment":"neutral","sentiment_score":0.04848323638240496}],"sentiment":"neutral","sentiment_score":0.04848323638240496,"channel":1,"num_words":24,"start":40.61,"end":46.21},{"sentences":[{"text":"oh,","start":46.125,"end":46.625,"sentiment":"neutral","sentiment_score":-0.027066871523857117}],"sentiment":"neutral","sentiment_score":-0.027066871523857117,"channel":0,"num_words":1,"start":46.125,"end":46.625},{"sentences":[{"text":"was in there,","start":46.21,"end":46.85,"sentiment":"neutral","sentiment_score":-0.008441148946682612}],"sentiment":"neutral","sentiment_score":-0.008441148946682612,"channel":1,"num_words":3,"start":46.21,"end":46.85},{"sentences":[{"text":"you","start":46.844997,"end":47.004997,"sentiment":"neutral","sentiment_score":-0.04884022474288941}],"sentiment":"neutral","sentiment_score":-0.04884022474288941,"channel":0,"num_words":1,"start":46.844997,"end":47.004997},{"sentences":[{"text":"but","start":46.85,"end":47.145,"sentiment":"neutral","sentiment_score":-0.0355558842420578}],"sentiment":"neutral","sentiment_score":-0.0355558842420578,"channel":1,"num_words":1,"start":46.85,"end":47.145},{"sentences":[{"text":"want do you wanna know","start":47.004997,"end":47.805,"sentiment":"neutral","sentiment_score":-0.07721899747848511}],"sentiment":"neutral","sentiment_score":-0.07721899747848511,"channel":0,"num_words":5,"start":47.004997,"end":47.805},{"sentences":[{"text":"yep.","start":47.705,"end":48.205,"sentiment":"neutral","sentiment_score":-0.0682915449142456}],"sentiment":"neutral","sentiment_score":-0.0682915449142456,"channel":1,"num_words":1,"start":47.705,"end":48.205},{"sentences":[{"text":"who sent it?","start":47.805,"end":48.704998,"sentiment":"neutral","sentiment_score":-0.04911291350920995},{"text":"So if you go to the NOI spreadsheet, it has CSO assigned next to it.","start":49.965,"end":54.45,"sentiment":"neutral","sentiment_score":-0.007121020741760731},{"text":"And any of","start":54.45,"end":54.850002,"sentiment":"neutral","sentiment_score":-0.0049660227571924525}],"sentiment":"neutral","sentiment_score":-0.012812005710743722,"channel":0,"num_words":21,"start":47.805,"end":54.850002},{"sentences":[{"text":"Who?","start":54.825,"end":55.325,"sentiment":"neutral","sentiment_score":-0.01212574541568756}],"sentiment":"neutral","sentiment_score":-0.01212574541568756,"channel":1,"num_words":1,"start":54.825,"end":55.325},{"sentences":[{"text":"the ones that I sent, I put my initials next to it,","start":54.850002,"end":57.59,"sentiment":"neutral","sentiment_score":-0.021697461294631164}],"sentiment":"neutral","sentiment_score":-0.021697461294631164,"channel":0,"num_words":12,"start":54.850002,"end":57.59},{"sentences":[{"text":"Yeah.","start":58.025,"end":58.525,"sentiment":"neutral","sentiment_score":-0.009100265800952911}],"sentiment":"neutral","sentiment_score":-0.009100265800952911,"channel":1,"num_words":1,"start":58.025,"end":58.525},{"sentences":[{"text":"same as everyone else, and the initials next to it, the w s.","start":58.29,"end":61.75,"sentiment":"neutral","sentiment_score":-0.0260741335984606},{"text":"So, yeah, pop","start":62.21,"end":62.85,"sentiment":"neutral","sentiment_score":-0.02825627786417802}],"sentiment":"neutral","sentiment_score":-0.026483285648282617,"channel":0,"num_words":16,"start":58.29,"end":62.85},{"sentences":[{"text":"Oh","start":62.84,"end":63.0,"sentiment":"neutral","sentiment_score":-0.1659321486949921}],"sentiment":"neutral","sentiment_score":-0.1659321486949921,"channel":1,"num_words":1,"start":62.84,"end":63.0},{"sentences":[{"text":"him","start":62.85,"end":63.010002,"sentiment":"neutral","sentiment_score":-0.22826722264289856}],"sentiment":"neutral","sentiment_score":-0.22826722264289856,"channel":0,"num_words":1,"start":62.85,"end":63.010002},{"sentences":[{"text":"my","start":63.0,"end":63.48,"sentiment":"neutral","sentiment_score":-0.25413191318511963}],"sentiment":"neutral","sentiment_score":-0.25413191318511963,"channel":1,"num_words":1,"start":63.0,"end":63.48},{"sentences":[{"text":"through.","start":63.010002,"end":63.510002,"sentiment":"neutral","sentiment_score":-0.2604072391986847}],"sentiment":"neutral","sentiment_score":-0.2604072391986847,"channel":0,"num_words":1,"start":63.010002,"end":63.510002},{"sentences":[{"text":"fucking god.","start":63.48,"end":64.46,"sentiment":"negative","sentiment_score":-0.7264862060546875},{"text":"Okay.","start":64.68,"end":65.0,"sentiment":"neutral","sentiment_score":-0.18460464477539065},{"text":"Beautiful.","start":65.0,"end":65.4,"sentiment":"neutral","sentiment_score":0.16440460085868835},{"text":"I'm gonna you have Carl in 321.","start":65.4,"end":68.94,"sentiment":"neutral","sentiment_score":0.05989516260368483}],"sentiment":"neutral","sentiment_score":-0.09580966525457123,"channel":1,"num_words":11,"start":63.48,"end":68.94},{"sentences":[{"text":"Hi, Carla.","start":70.045,"end":70.925,"sentiment":"neutral","sentiment_score":0.16237951070070267},{"text":"How are you going?","start":70.925,"end":71.905,"sentiment":"neutral","sentiment_score":0.22146326676011086}],"sentiment":"neutral","sentiment_score":0.2017686814069748,"channel":0,"num_words":6,"start":70.045,"end":71.905},{"sentences":[{"text":"I'm good.","start":72.28,"end":72.76,"sentiment":"positive","sentiment_score":0.4142580181360245},{"text":"Thank you.","start":72.76,"end":73.16,"sentiment":"positive","sentiment_score":0.5336400270462036},{"text":"Yourself?","start":73.16,"end":73.66,"sentiment":"neutral","sentiment_score":0.23506960272789}],"sentiment":"positive","sentiment_score":0.4261731386184692,"channel":1,"num_words":5,"start":72.28,"end":73.66},{"sentences":[{"text":"Yeah.","start":74.765,"end":75.245,"sentiment":"neutral","sentiment_score":0.2166613936424255},{"text":"Really good.","start":75.245,"end":76.045,"sentiment":"positive","sentiment_score":0.5266568958759308},{"text":"Thank you.","start":76.045,"end":76.865005,"sentiment":"positive","sentiment_score":0.5188160538673401},{"text":"I understand you were just reaching out with respect to the notes of intent or the the the contribution email you received.","start":77.485,"end":85.43,"sentiment":"neutral","sentiment_score":0.05865203572267836}],"sentiment":"neutral","sentiment_score":0.1332574844084404,"channel":0,"num_words":27,"start":74.765,"end":85.43},{"sentences":[{"text":"Yes.","start":86.255,"end":86.735,"sentiment":"neutral","sentiment_score":0.06877565383911133},{"text":"Yeah.","start":86.735,"end":87.235,"sentiment":"neutral","sentiment_score":0.07926993817090988}],"sentiment":"neutral","sentiment_score":0.0740227960050106,"channel":1,"num_words":2,"start":86.255,"end":87.235},{"sentences":[{"text":"Yeah.","start":87.65,"end":88.049995,"sentiment":"neutral","sentiment_score":0.13358944654464722},{"text":"Cool.","start":88.049995,"end":88.29,"sentiment":"neutral","sentiment_score":0.25174379348754883},{"text":"I had a look through the system.","start":88.29,"end":89.17,"sentiment":"neutral","sentiment_score":0.023441328534058163},{"text":"I can see the email that you got sent.","start":89.17,"end":90.95,"sentiment":"neutral","sentiment_score":-0.08018127166562611},{"text":"It was just buried in your file, unfortunately.","start":91.409996,"end":93.509995,"sentiment":"negative","sentiment_score":-0.336011603474617}],"sentiment":"neutral","sentiment_score":-0.11001160511603722,"channel":0,"num_words":26,"start":87.65,"end":93.509995},{"sentences":[{"text":"Maddie couldn't see it straight up.","start":93.89,"end":95.75,"sentiment":"neutral","sentiment_score":-0.2835797891020775},{"text":"But with respect to that one, basically, the the reason we send those emails is when we know that the client adds any contributions to their fund personally, We always wanna sort of make sure that from a tax perspective, we can investigate that and see whether there's any benefit to converting those funds from a personal contribution basically into something like an employer contribution.","start":98.024994,"end":121.49,"sentiment":"neutral","sentiment_score":0.09961456129184136},{"text":"So from","start":121.835,"end":122.634995,"sentiment":"neutral","sentiment_score":0.046848831698298454}],"sentiment":"neutral","sentiment_score":0.06667349880484685,"channel":0,"num_words":73,"start":93.89,"end":122.634995},{"sentences":[{"text":"Yeah.","start":122.31,"end":122.81,"sentiment":"neutral","sentiment_score":0.058161117136478424}],"sentiment":"neutral","sentiment_score":0.058161117136478424,"channel":1,"num_words":1,"start":122.31,"end":122.81},{"sentences":[{"text":"a, I guess, like a the the terminology is from non concessional or the personal to concessional.","start":122.634995,"end":128.895,"sentiment":"neutral","sentiment_score":0.023897445705883643},{"text":"So the 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year.","start":139.73,"end":156.635,"sentiment":"neutral","sentiment_score":0.09052295278053026}],"sentiment":"neutral","sentiment_score":0.06581097500255474,"channel":0,"num_words":65,"start":130.235,"end":156.635},{"sentences":[{"text":"Yeah.","start":157.28,"end":157.78,"sentiment":"neutral","sentiment_score":0.07155933976173401}],"sentiment":"neutral","sentiment_score":0.07155933976173401,"channel":1,"num_words":1,"start":157.28,"end":157.78},{"sentences":[{"text":"But I guess the conversation and and what I sort of wanna, I guess, dig into and see is do we have the availability to claim?","start":158.45499,"end":166.25,"sentiment":"neutral","sentiment_score":0.020817337557673454},{"text":"Because you you put in $88,200, like, nonconcessional or personally.","start":166.25,"end":172.75,"sentiment":"neutral","sentiment_score":0.008978164382278919},{"text":"And it's a, I guess, a conversation to see whether we claim some of that, claim all of that, how that works, what that triggers, and I guess the the point of you putting the money in.","start":173.68999,"end":182.435,"sentiment":"neutral","sentiment_score":0.03534306432246356},{"text":"Because theoretically speaking, your balance is under $500,000, so we actually can utilize some of your previous financial year contribution caps.","start":182.435,"end":192.72,"sentiment":"neutral","sentiment_score":0.007871558446259726},{"text":"Tell me to slow down if I'm going too fast or if none of this","start":194.0,"end":196.48,"sentiment":"neutral","sentiment_score":-0.24995963275432587}],"sentiment":"neutral","sentiment_score":-0.01509510058431177,"channel":0,"num_words":109,"start":158.45499,"end":196.48},{"sentences":[{"text":"No.","start":196.325,"end":196.565,"sentiment":"negative","sentiment_score":-0.4038552045822144}],"sentiment":"negative","sentiment_score":-0.4038552045822144,"channel":1,"num_words":1,"start":196.325,"end":196.565},{"sentences":[{"text":"is 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whatever it was that you sort of quoted probably sounds","start":465.745,"end":471.26498,"sentiment":"neutral","sentiment_score":0.024240227702718515}],"sentiment":"neutral","sentiment_score":0.04312215817885266,"channel":0,"num_words":36,"start":455.41998,"end":471.26498},{"sentences":[{"text":"Yeah.","start":471.13498,"end":471.63498,"sentiment":"neutral","sentiment_score":0.042299412190914154}],"sentiment":"neutral","sentiment_score":0.042299412190914154,"channel":1,"num_words":1,"start":471.13498,"end":471.63498},{"sentences":[{"text":"about right from a gross perspective.","start":471.26498,"end":472.725,"sentiment":"neutral","sentiment_score":0.03701248082021872}],"sentiment":"neutral","sentiment_score":0.03701248082021872,"channel":0,"num_words":6,"start":471.26498,"end":472.725},{"sentences":[{"text":"Yes.","start":473.29498,"end":473.775,"sentiment":"neutral","sentiment_score":0.10810594260692596},{"text":"That's 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cap.","start":712.2,"end":733.25,"sentiment":"neutral","sentiment_score":-0.17219129002963504}],"sentiment":"neutral","sentiment_score":-0.16286247909069063,"channel":1,"num_words":25,"start":711.48,"end":733.25},{"sentences":[{"text":"Yep.","start":734.51,"end":735.01,"sentiment":"neutral","sentiment_score":0.0556313693523407}],"sentiment":"neutral","sentiment_score":0.0556313693523407,"channel":0,"num_words":1,"start":734.51,"end":735.01},{"sentences":[{"text":"I think it was about January time I had to do 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it all washes out the same way as if you salary sacrifice versus if you were to do it as a personal claim.","start":930.9,"end":940.125,"sentiment":"neutral","sentiment_score":0.2118204226717353},{"text":"And it it's they're called personal deductible contributions is how is what that strategy is.","start":940.125,"end":944.68506,"sentiment":"positive","sentiment_score":0.41070489287376405},{"text":"So you put the money in nonconcessionally, so after tax paid, and then you submit we can submit the document.","start":944.68506,"end":951.57,"sentiment":"neutral","sentiment_score":0.263067926093936},{"text":"All I need is your verbal go ahead to submit it.","start":951.57,"end":953.99,"sentiment":"neutral","sentiment_score":0.20200344784693283},{"text":"I can submit the document for 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nonconfessional.","start":1212.17,"end":1226.235,"sentiment":"neutral","sentiment_score":-0.027871389116626233}],"sentiment":"neutral","sentiment_score":-0.027871389116626233,"channel":1,"num_words":16,"start":1212.17,"end":1226.235},{"sentences":[{"text":"Personal.","start":1226.58,"end":1227.08,"sentiment":"neutral","sentiment_score":-0.05238126590847969}],"sentiment":"neutral","sentiment_score":-0.05238126590847969,"channel":0,"num_words":1,"start":1226.58,"end":1227.08},{"sentences":[{"text":"But is it better to pay down my mortgage with that instead of super to free up so, you know, basically pay down my mortgage quicker or with regards to the compounding interest.","start":1226.9349,"end":1252.065,"sentiment":"neutral","sentiment_score":-0.044215546412901444},{"text":"Yeah.","start":1254.0449,"end":1254.5449,"sentiment":"neutral","sentiment_score":0.13445664942264557}],"sentiment":"neutral","sentiment_score":-0.038960481829503006,"channel":1,"num_words":34,"start":1226.9349,"end":1254.5449},{"sentences":[{"text":"I can calculate it for you.","start":1258.01,"end":1260.19,"sentiment":"neutral","sentiment_score":0.10719944536685944},{"text":"But, realistically speaking, investment wise, unless your mortgage is sitting at 9%, investment compound is going to outbeat your six, six and a half percent mortgage in terms of interest versus interest incurred on a mortgage.","start":1260.97,"end":1281.6699,"sentiment":"neutral","sentiment_score":-0.030761949614518218}],"sentiment":"neutral","sentiment_score":-0.011053178902892839,"channel":0,"num_words":42,"start":1258.01,"end":1281.6699},{"sentences":[{"text":"Yeah.","start":1282.145,"end":1282.625,"sentiment":"neutral","sentiment_score":0.05617792904376984},{"text":"Yeah.","start":1282.625,"end":1283.125,"sentiment":"neutral","sentiment_score":-0.04958244785666466},{"text":"That's","start":1283.34,"end":1283.84,"sentiment":"neutral","sentiment_score":0.00016194830823224038}],"sentiment":"neutral","sentiment_score":0.0022524764984458087,"channel":1,"num_words":3,"start":1282.145,"end":1283.84},{"sentences":[{"text":"However, the downside to that is is that paying money off your mortgage is guaranteed savings versus the risk that's associated with any form of","start":1283.4099,"end":1294.7051,"sentiment":"neutral","sentiment_score":-0.3159771639108658}],"sentiment":"neutral","sentiment_score":-0.3159771639108658,"channel":0,"num_words":25,"start":1283.4099,"end":1294.7051},{"sentences":[{"text":"that's","start":1294.7,"end":1295.2,"sentiment":"negative","sentiment_score":-0.35808199644088745}],"sentiment":"negative","sentiment_score":-0.35808199644088745,"channel":1,"num_words":1,"start":1294.7,"end":1295.2},{"sentences":[{"text":"investment.","start":1294.7051,"end":1295.2051,"sentiment":"negative","sentiment_score":-0.3825656771659851},{"text":"You have down years.","start":1295.425,"end":1296.5651,"sentiment":"negative","sentiment_score":-0.38303059339523315}],"sentiment":"negative","sentiment_score":-0.38293761014938354,"channel":0,"num_words":5,"start":1294.7051,"end":1296.5651},{"sentences":[{"text":"Yeah.","start":1296.7799,"end":1296.94,"sentiment":"neutral","sentiment_score":-0.09832212328910828},{"text":"Yeah.","start":1296.94,"end":1297.44,"sentiment":"neutral","sentiment_score":-0.040772855281829834},{"text":"That's that's sort of what my angle is.","start":1297.5,"end":1300.085,"sentiment":"neutral","sentiment_score":0.018760603154078126},{"text":"It's like that's a that's a debt that can be paid off quicker versus the potential for yeah.","start":1300.085,"end":1308.6649,"sentiment":"neutral","sentiment_score":0.01676982372171349},{"text":"You pay in, but you're not physically seeing that money or potentially not seeing that money grow because it is reliant on the markets as such whereas, obviously, the the mortgage is a definite sort of it's it's there.","start":1308.8049,"end":1325.765,"sentiment":"neutral","sentiment_score":-0.08753203571988986}],"sentiment":"neutral","sentiment_score":-0.046282130140644404,"channel":1,"num_words":67,"start":1296.7799,"end":1325.765},{"sentences":[{"text":"You know, it's actually sort of real terms and saving as such.","start":1325.765,"end":1330.3451,"sentiment":"neutral","sentiment_score":0.09243695717304945},{"text":"Yeah.","start":1331.925,"end":1332.425,"sentiment":"neutral","sentiment_score":0.13521820306777954}],"sentiment":"neutral","sentiment_score":0.09572782224187484,"channel":1,"num_words":13,"start":1325.765,"end":1332.425},{"sentences":[{"text":"Yes.","start":1331.925,"end":1332.3,"sentiment":"neutral","sentiment_score":0.0984186828136444},{"text":"With so there's there's, I guess so there's there's there's the exact there's the exact two thought process that we just had, which is do I guess, do you focus on putting money into your mortgage to make sure that is it pay it down quicker?","start":1335.8201,"end":1352.9451,"sentiment":"neutral","sentiment_score":0.10732236796099207},{"text":"And then after that point, then you can redirect your funds towards retirement savings, which will then give you less time to have that compound, which history shows that compounding over a longer period of time gets you better outcomes every time.","start":1353.485,"end":1372.86,"sentiment":"neutral","sentiment_score":0.22723989437023798}],"sentiment":"neutral","sentiment_score":0.1638126199165087,"channel":0,"num_words":89,"start":1331.925,"end":1372.86},{"sentences":[{"text":"Yeah.","start":1373.41,"end":1373.91,"sentiment":"neutral","sentiment_score":0.08040827512741089}],"sentiment":"neutral","sentiment_score":0.08040827512741089,"channel":1,"num_words":1,"start":1373.41,"end":1373.91},{"sentences":[{"text":"Or do you direct as much as you can towards compounding on your investment and pay down the mortgage at the rate that you're currently paying it, which is gonna take x amount of time longer.","start":1375.545,"end":1392.02,"sentiment":"neutral","sentiment_score":0.08275868971314695},{"text":"The only way I could really look at it would be to model it out properly to get the time frames, what's left on your mortgage, what the interest rate is, you know, if you were to pay x amount more to your mortgage, how much interest is gonna be saved, and how much quicker would you actually pay it down.","start":1395.04,"end":1415.18,"sentiment":"neutral","sentiment_score":0.2116113616550555},{"text":"And I can 100% do that.","start":1416.76,"end":1418.28,"sentiment":"positive","sentiment_score":0.3829343269268672},{"text":"All I need is a a mortgage snapshot to be able to sort of give you that information, and then I can just kind of direct the money that you're currently salary sacrificing towards paying off the mortgage and show you what that outcome is versus the salary sacrifice arrangement.","start":1418.28,"end":1436.7251,"sentiment":"neutral","sentiment_score":0.2623492586612701},{"text":"And it gives you it gives you information so you can make an informed decision,","start":1437.5851,"end":1441.8601,"sentiment":"positive","sentiment_score":0.34557556311289467}],"sentiment":"neutral","sentiment_score":0.21718040614255837,"channel":0,"num_words":168,"start":1375.545,"end":1441.8601},{"sentences":[{"text":"Yeah.","start":1442.565,"end":1443.0449,"sentiment":"neutral","sentiment_score":0.184794157743454},{"text":"Alright.","start":1443.0449,"end":1443.445,"sentiment":"neutral","sentiment_score":0.10461502522230148},{"text":"Let me check.","start":1443.445,"end":1444.265,"sentiment":"neutral","sentiment_score":0.04260064847767353}],"sentiment":"neutral","sentiment_score":0.0834422256797552,"channel":1,"num_words":5,"start":1442.565,"end":1444.265},{"sentences":[{"text":"and we can chat about it.","start":1444.0,"end":1445.54,"sentiment":"neutral","sentiment_score":0.039000375817219414},{"text":"Doesn't have to be today.","start":1446.7201,"end":1447.76,"sentiment":"neutral","sentiment_score":-0.020522442925721408}],"sentiment":"neutral","sentiment_score":0.011944549115882679,"channel":0,"num_words":11,"start":1444.0,"end":1447.76},{"sentences":[{"text":"Yeah.","start":1447.445,"end":1447.83,"sentiment":"neutral","sentiment_score":0.03468489646911621}],"sentiment":"neutral","sentiment_score":0.03468489646911621,"channel":1,"num_words":1,"start":1447.445,"end":1447.83},{"sentences":[{"text":"Doesn't have to be tomorrow.","start":1447.76,"end":1448.9601,"sentiment":"neutral","sentiment_score":-0.013857752457261086},{"text":"If you wanna just sit on it for now, we can talk in January.","start":1448.9601,"end":1452.66,"sentiment":"neutral","sentiment_score":0.03394346058900867},{"text":"It's it it's fine either either way.","start":1452.7201,"end":1456.3551,"sentiment":"neutral","sentiment_score":0.21401173089231765},{"text":"I'm I'm I'm very happy to do it for you now.","start":1457.8551,"end":1460.3551,"sentiment":"positive","sentiment_score":0.7793938463384454},{"text":"But like I said, I just need a snapshot of the mortgage to be able to do so.","start":1460.655,"end":1464.3551,"sentiment":"neutral","sentiment_score":0.11804435153802235}],"sentiment":"neutral","sentiment_score":0.2291296807202426,"channel":0,"num_words":55,"start":1447.76,"end":1464.3551},{"sentences":[{"text":"Yeah.","start":1465.085,"end":1465.585,"sentiment":"neutral","sentiment_score":0.05592074990272522},{"text":"Well, I I overpay my mortgage as it is.","start":1468.0449,"end":1471.485,"sentiment":"neutral","sentiment_score":-0.14749777358439234},{"text":"It was just the thought of if I added that non to it, it would be even more paid down quicker.","start":1471.485,"end":1480.98,"sentiment":"neutral","sentiment_score":-0.09549438013207345},{"text":"But it it is literally in the back of my head that compounding factor.","start":1480.98,"end":1486.2,"sentiment":"neutral","sentiment_score":0.05529474360602243},{"text":"And now you've mentioned it, yes, that extra couple of percent compounding still is more beneficial than yeah.","start":1486.98,"end":1497.945,"sentiment":"neutral","sentiment_score":0.3150323298242357}],"sentiment":"neutral","sentiment_score":0.050282018288733465,"channel":1,"num_words":63,"start":1465.085,"end":1497.945},{"sentences":[{"text":"The paying off the mortgage at the current rate.","start":1498.885,"end":1503.3,"sentiment":"neutral","sentiment_score":0.18657978789673912},{"text":"Yeah.","start":1504.9801,"end":1505.4801,"sentiment":"neutral","sentiment_score":0.038436830043792725},{"text":"No.","start":1507.4601,"end":1507.9601,"sentiment":"neutral","sentiment_score":-0.045424316078424454},{"text":"I think I'll leave it as it is.","start":1508.02,"end":1509.78,"sentiment":"neutral","sentiment_score":-0.025500102434307337},{"text":"I I don't think yeah.","start":1509.78,"end":1511.3,"sentiment":"neutral","sentiment_score":-0.088957180082798}],"sentiment":"neutral","sentiment_score":0.04264349521448215,"channel":1,"num_words":24,"start":1498.885,"end":1511.3},{"sentences":[{"text":"Just that that little comment that you said about the compounding and still at that what would it let's just say this year's one is 7.89.","start":1511.3,"end":1519.835,"sentiment":"neutral","sentiment_score":0.0010322124983828801},{"text":"That is still higher than my mortgage of 5.89.","start":1520.055,"end":1523.255,"sentiment":"neutral","sentiment_score":0.045576971852117114},{"text":"So you're still gaining 2% compounding compared to my 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idea.","start":1535.08,"end":1536.04,"sentiment":"neutral","sentiment_score":-0.09678958058357238},{"text":"I just yeah.","start":1536.04,"end":1536.9199,"sentiment":"neutral","sentiment_score":-0.025073659295837086}],"sentiment":"neutral","sentiment_score":-0.06534359163858673,"channel":1,"num_words":11,"start":1533.64,"end":1536.9199},{"sentences":[{"text":"No.","start":1536.9199,"end":1537.1599,"sentiment":"neutral","sentiment_score":-0.06793878972530365},{"text":"I think it just confirmed that I would I'm in an hour and I'm trying to sort of yeah.","start":1537.1599,"end":1542.585,"sentiment":"neutral","sentiment_score":-0.03188530539505576},{"text":"Because of, obviously, the concessional, non concessional, just changing it, and then it just popped into my head whether I would be stopped and stopped the non concessional.","start":1542.585,"end":1553.385,"sentiment":"neutral","sentiment_score":-0.06776742703680481},{"text":"I'll put it towards my mortgage 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this year, we can look back on last year and claim that $800 if your account does flip over that 500,000 by the end of this fine this current financial 2027 year.","start":1614.17,"end":1629.165,"sentiment":"neutral","sentiment_score":0.16997038935487335}],"sentiment":"neutral","sentiment_score":0.17501182705163956,"channel":0,"num_words":50,"start":1610.255,"end":1629.165},{"sentences":[{"text":"Yeah.","start":1629.645,"end":1629.965,"sentiment":"neutral","sentiment_score":0.1705097109079361},{"text":"Right.","start":1629.965,"end":1630.285,"sentiment":"neutral","sentiment_score":0.17451825737953186},{"text":"Okay.","start":1630.285,"end":1630.785,"sentiment":"neutral","sentiment_score":0.2203945517539978},{"text":"Yep.","start":1632.445,"end":1632.9249,"sentiment":"positive","sentiment_score":0.3822503089904785},{"text":"That sounds like an 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already in the basically, the EBA has been done last year.","start":1666.345,"end":1676.6,"sentiment":"neutral","sentiment_score":0.1324756274882116}],"sentiment":"neutral","sentiment_score":0.209494935075442,"channel":1,"num_words":75,"start":1634.205,"end":1676.6},{"sentences":[{"text":"So I think I should get the agreed pay rise September, October.","start":1676.6,"end":1684.2999,"sentiment":"neutral","sentiment_score":0.3057905013362567},{"text":"So that's why January is a good idea because that would have been in effect and then I'll have a better idea 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income to be what are you what are you expecting your income to change to?","start":1700.08,"end":1710.015,"sentiment":"neutral","sentiment_score":-0.07587559670209884}],"sentiment":"neutral","sentiment_score":-0.07587559670209884,"channel":0,"num_words":20,"start":1700.08,"end":1710.015},{"sentences":[{"text":"No.","start":1711.2999,"end":1711.7999,"sentiment":"neutral","sentiment_score":-0.29301562905311584},{"text":"That's a good question because I have no idea.","start":1712.0951,"end":1716.1151,"sentiment":"negative","sentiment_score":-0.3680017987887065},{"text":"Yeah.","start":1716.8151,"end":1717.3151,"sentiment":"neutral","sentiment_score":-0.18408045172691345},{"text":"Basically, there's been a couple of changes this year with regards to the company were paying us wrong, apparently, with regards to because I'm a shift 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payments, which has really thrown off my my income for this or the last financial year.","start":1752.01,"end":1763.865,"sentiment":"negative","sentiment_score":-0.5244628168918468},{"text":"So I'm not really","start":1764.345,"end":1765.545,"sentiment":"neutral","sentiment_score":-0.29647762328386307}],"sentiment":"negative","sentiment_score":-0.39094726888364867,"channel":1,"num_words":76,"start":1729.87,"end":1765.545},{"sentences":[{"text":"Yeah.","start":1765.345,"end":1765.845,"sentiment":"neutral","sentiment_score":-0.2726280093193054}],"sentiment":"neutral","sentiment_score":-0.2726280093193054,"channel":0,"num_words":1,"start":1765.345,"end":1765.845},{"sentences":[{"text":"a 100% sure what it actually was supposed to be with my moderate sort of overtime and all that sort of business.","start":1765.545,"end":1776.285,"sentiment":"negative","sentiment_score":-0.4290612895380367},{"text":"So I haven't really got a figure to work off the year just 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the case may be just so we we can keep a little bit of an eye on it as well from the income perspective.","start":1843.64,"end":1859.045,"sentiment":"neutral","sentiment_score":0.14173335265368223}],"sentiment":"neutral","sentiment_score":0.147017001259056,"channel":0,"num_words":44,"start":1842.52,"end":1859.045},{"sentences":[{"text":"Yeah.","start":1859.8351,"end":1860.0751,"sentiment":"neutral","sentiment_score":0.02302907034754753},{"text":"Yeah.","start":1860.0751,"end":1860.555,"sentiment":"neutral","sentiment_score":0.023593243211507797},{"text":"Okay.","start":1860.555,"end":1861.055,"sentiment":"neutral","sentiment_score":0.027257325127720833},{"text":"Well, it's been what is it?","start":1862.58,"end":1865.0,"sentiment":"neutral","sentiment_score":-0.02196517897148927},{"text":"A couple of weeks now since change of the year, and all that extra payment's pretty much gone 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three","start":2056.61,"end":2057.33,"sentiment":"neutral","sentiment_score":-0.011407033540308475}],"sentiment":"neutral","sentiment_score":-0.011407033540308475,"channel":1,"num_words":2,"start":2056.61,"end":2057.33},{"sentences":[{"text":"Yeah.","start":2057.155,"end":2057.655,"sentiment":"neutral","sentiment_score":-0.0024630092084407806}],"sentiment":"neutral","sentiment_score":-0.0024630092084407806,"channel":0,"num_words":1,"start":2057.155,"end":2057.655},{"sentences":[{"text":"100.","start":2057.33,"end":2057.6501,"sentiment":"neutral","sentiment_score":-0.003818843513727188},{"text":"And so, basically, it was 200 salary sacrifice and 200","start":2057.6501,"end":2062.31,"sentiment":"neutral","sentiment_score":-0.017425704561173917}],"sentiment":"neutral","sentiment_score":-0.016188717193224213,"channel":1,"num_words":11,"start":2057.33,"end":2062.31},{"sentences":[{"text":"Yes.","start":2064.35,"end":2064.85,"sentiment":"neutral","sentiment_score":0.010622577741742134}],"sentiment":"neutral","sentiment_score":0.010622577741742134,"channel":0,"num_words":1,"start":2064.35,"end":2064.85},{"sentences":[{"text":"personal.","start":2064.37,"end":2064.87,"sentiment":"neutral","sentiment_score":0.01561603881418705},{"text":"Yeah.","start":2065.7302,"end":2066.1301,"sentiment":"neutral","sentiment_score":0.01789076440036297},{"text":"So that was what I was thinking was because I've gone to 400 on the personal.","start":2066.1301,"end":2070.895,"sentiment":"neutral","sentiment_score":-0.012164200306870043},{"text":"So I've put that extra 100 back into salary sacrifice and leave the other one where it is at 300, 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additional","start":2082.52,"end":2086.1401,"sentiment":"neutral","sentiment_score":0.0407216123172215}],"sentiment":"neutral","sentiment_score":0.0407216123172215,"channel":1,"num_words":7,"start":2082.52,"end":2086.1401},{"sentences":[{"text":"Absolutely.","start":2086.005,"end":2086.505,"sentiment":"neutral","sentiment_score":0.1328921914100647}],"sentiment":"neutral","sentiment_score":0.1328921914100647,"channel":0,"num_words":1,"start":2086.005,"end":2086.505},{"sentences":[{"text":"income.","start":2086.2002,"end":2086.7002,"sentiment":"neutral","sentiment_score":0.20187698304653168},{"text":"Yeah.","start":2086.84,"end":2087.34,"sentiment":"positive","sentiment_score":0.3818205595016479}],"sentiment":"neutral","sentiment_score":0.2918487712740898,"channel":1,"num_words":2,"start":2086.2002,"end":2087.34},{"sentences":[{"text":"I would definitely agree with 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more.","start":2092.14,"end":2098.08,"sentiment":"neutral","sentiment_score":-0.07898570201359689}],"sentiment":"neutral","sentiment_score":-0.07898570201359689,"channel":0,"num_words":16,"start":2092.14,"end":2098.08},{"sentences":[{"text":"Yeah.","start":2099.145,"end":2099.385,"sentiment":"neutral","sentiment_score":0.04157227277755737},{"text":"Okay.","start":2099.385,"end":2099.885,"sentiment":"neutral","sentiment_score":0.16508430242538452},{"text":"Perfect.","start":2100.2651,"end":2100.7651,"sentiment":"positive","sentiment_score":0.5407640933990479},{"text":"That's pretty much what I was thinking.","start":2101.145,"end":2104.365,"sentiment":"positive","sentiment_score":0.36050928490502493},{"text":"But, yeah, with regards to the changes in income and the the company let's call it the super guarantee.","start":2104.5852,"end":2116.6401,"sentiment":"neutral","sentiment_score":0.18275252651227147}],"sentiment":"neutral","sentiment_score":0.23252702298863182,"channel":1,"num_words":29,"start":2099.145,"end":2116.6401},{"sentences":[{"text":"Yeah.","start":2117.26,"end":2117.5,"sentiment":"neutral","sentiment_score":0.14488019049167633},{"text":"That's why I just wanted to confirm with you all that side of it and yep.","start":2117.5,"end":2123.36,"sentiment":"neutral","sentiment_score":0.1909025004133582},{"text":"So I'll swap","start":2123.98,"end":2124.7002,"sentiment":"neutral","sentiment_score":0.1337755819161733}],"sentiment":"neutral","sentiment_score":0.1800323471426964,"channel":1,"num_words":20,"start":2117.26,"end":2124.7002},{"sentences":[{"text":"Good","start":2124.54,"end":2124.78,"sentiment":"neutral","sentiment_score":0.2981325089931488}],"sentiment":"neutral","sentiment_score":0.2981325089931488,"channel":0,"num_words":1,"start":2124.54,"end":2124.78},{"sentences":[{"text":"that","start":2124.7002,"end":2125.02,"sentiment":"positive","sentiment_score":0.4510813355445862}],"sentiment":"positive","sentiment_score":0.4510813355445862,"channel":1,"num_words":1,"start":2124.7002,"end":2125.02},{"sentences":[{"text":"for now.","start":2124.78,"end":2125.44,"sentiment":"neutral","sentiment_score":0.3235703408718109}],"sentiment":"neutral","sentiment_score":0.3235703408718109,"channel":0,"num_words":2,"start":2124.78,"end":2125.44},{"sentences":[{"text":"over and that should be good.","start":2125.02,"end":2127.835,"sentiment":"positive","sentiment_score":0.44786689678827923}],"sentiment":"positive","sentiment_score":0.44786689678827923,"channel":1,"num_words":6,"start":2125.02,"end":2127.835},{"sentences":[{"text":"Perfect.","start":2129.1802,"end":2129.6802,"sentiment":"positive","sentiment_score":0.7149871587753296},{"text":"Amazing.","start":2131.435,"end":2131.835,"sentiment":"positive","sentiment_score":0.6888605356216431},{"text":"Well, if there is anything else that pops up what you that you think of or wanna talk about, please feel free to give us a call.","start":2131.835,"end":2140.075,"sentiment":"neutral","sentiment_score":0.1768996704507757},{"text":"Absolutely no issues at all.","start":2140.075,"end":2141.535,"sentiment":"positive","sentiment_score":0.3645792543888092}],"sentiment":"neutral","sentiment_score":0.2353833843679989,"channel":0,"num_words":34,"start":2129.1802,"end":2141.535},{"sentences":[{"text":"Okay.","start":2142.59,"end":2143.09,"sentiment":"positive","sentiment_score":0.38391613960266113},{"text":"Awesome.","start":2143.1501,"end":2143.6501,"sentiment":"positive","sentiment_score":0.621711254119873}],"sentiment":"positive","sentiment_score":0.5028136968612671,"channel":1,"num_words":2,"start":2142.59,"end":2143.6501},{"sentences":[{"text":"Perfect.","start":2146.4202,"end":2146.6602,"sentiment":"positive","sentiment_score":0.5882894396781921},{"text":"Well, thanks for the cold call.","start":2146.6602,"end":2148.28,"sentiment":"positive","sentiment_score":0.6099904378255209}],"sentiment":"positive","sentiment_score":0.6068902952330453,"channel":0,"num_words":7,"start":2146.4202,"end":2148.28},{"sentences":[{"text":"I think that's all I can think of.","start":2148.51,"end":2150.75,"sentiment":"positive","sentiment_score":0.3949213959276676},{"text":"So yeah.","start":2150.75,"end":2151.1501,"sentiment":"positive","sentiment_score":0.3531271666288376},{"text":"Awesome.","start":2151.1501,"end":2151.55,"sentiment":"positive","sentiment_score":0.625225305557251},{"text":"Thanks for your help.","start":2151.55,"end":2152.59,"sentiment":"positive","sentiment_score":0.6952286064624786},{"text":"And, yep, Enjoy the rest","start":2152.59,"end":2154.6228,"sentiment":"positive","sentiment_score":0.481108820438385}],"sentiment":"positive","sentiment_score":0.48386546671390535,"channel":1,"num_words":20,"start":2148.51,"end":2154.6228},{"sentences":[{"text":"Will do.","start":2155.86,"end":2156.4202,"sentiment":"positive","sentiment_score":0.5234140455722809},{"text":"You too.","start":2156.4202,"end":2157.24,"sentiment":"positive","sentiment_score":0.44370047748088837}],"sentiment":"positive","sentiment_score":0.4835572615265846,"channel":0,"num_words":4,"start":2155.86,"end":2157.24},{"sentences":[{"text":"of your day.","start":2157.8027,"end":2159.503,"sentiment":"positive","sentiment_score":0.4614608983198802},{"text":"Thank you.","start":2159.6028,"end":2160.6829,"sentiment":"positive","sentiment_score":0.5011721700429916},{"text":"Bye.","start":2160.6829,"end":2161.1829,"sentiment":"neutral","sentiment_score":0.2589861750602722}],"sentiment":"positive","sentiment_score":0.440952201684316,"channel":1,"num_words":6,"start":2157.8027,"end":2161.1829},{"sentences":[{"text":"Bye.","start":2160.933,"end":2161.433,"sentiment":"neutral","sentiment_score":0.1315247118473053}],"sentiment":"neutral","sentiment_score":0.1315247118473053,"channel":0,"num_words":1,"start":2160.933,"end":2161.433}]},"summary":{"result":"success","short":"The conversation covers various topics related to contributions, salary and income, and retirement plans. The speakers explain their contribute methods and suggest revisiting the decision in June or July to determine the balance and savings. They also discuss the benefits of compounding interest and saving money on the loan, and the possibility of increasing or decreasing salary or putting money into the mortgage. The conversation ends with the speaker asking for a mortgage snapshot to determine the best decision and confirming their income."},"intents":{"segments":[{"text":"I understand you were just reaching out with respect to the notes of intent or the the the contribution email you received. Yes. Yeah.","start_word":254,"end_word":277,"intents":[{"intent":"Retrieve contribution email","confidence_score":0.016357245}]},{"text":"But with respect to that one, basically, the the reason we send those emails is when we know that the client adds any contributions to their fund personally, We always wanna sort of make sure that from a tax perspective, we can investigate that and see whether there's any benefit to converting those funds from a personal contribution basically into something like an employer contribution. So from Yeah.","start_word":311,"end_word":378,"intents":[{"intent":"Investigate contributions and determine benefit of conversion","confidence_score":0.00040666273}]},{"text":"So, basically, all my non concessional wiggle room has gone other than that 800 Yep. dollars for the the year just gone. Okay.","start_word":706,"end_word":728,"intents":[{"intent":"Explaining non-concessional wiggle room","confidence_score":0.000059044574}]},{"text":"To be honest with you, for $800 worth, I think I'll just leave it as it is because I don't think Yep. it's gonna be a massive amount of money. Yeah.","start_word":841,"end_word":871,"intents":[{"intent":"Considering potential retirement savings","confidence_score":0.0003515229}]},{"text":"Providing your balance stays under $500,000 at the turn of the financial year, so from June 30, you are able to look back on previous financial years and basically claw forward any of the unused space. But once your balance rolls over $500,000, you no longer have the availability to look back on previous years, and that that avenue becomes closed too. Yeah.","start_word":904,"end_word":966,"intents":[{"intent":"Recounting past financial accounts","confidence_score":0.00026094954}]},{"text":"Well, I mean, hopefully, it goes above 500 in this financial year, but Yes. the way things are going, I don't see it. I mean, I think that was another question I'm gonna ask as well is what was my actual figure for this year. I've had a rough look, but nothing exact. As Yeah.","start_word":969,"end_word":1023,"intents":[{"intent":"Comparing financial year figures","confidence_score":0.0010197192},{"intent":"Asking about current financial year","confidence_score":0.009706295}]},{"text":"So I've sort of had a quick look. I looked to me around about a 9.2, 9.3, but that was literally just me touching on the graph of when the year started to when the year finished, and it looked around about that 9.3. Yeah.","start_word":1040,"end_word":1084,"intents":[{"intent":"Analyze financial impact","confidence_score":0.0043053394}]},{"text":"Not all market segments are gonna always improve, which is why diversification is always important. But when it comes down to to some of the legislation changes, like the tax changes that have just gone through for Australia, things are actually looking quite positive.","start_word":1381,"end_word":1424,"intents":[{"intent":"Analyze market segments","confidence_score":0.32049587}]},{"text":"So I can't remember who I spoke to, but, basically, I had to drop off my salary sacrifice to stay under the the cap. Yep.","start_word":1761,"end_word":1785,"intents":[{"intent":"Discuss salary sacrifices","confidence_score":0.024019916},{"intent":"Recommend decreasing salary sacrifice","confidence_score":0.000022308512},{"intent":"Consider increasing salary sacrifices","confidence_score":0.00532825}]},{"text":"So I would like to sort of discuss what's better. I mean, I know of the the tax the taxes less on the concessional. So without going over the limit, do I increase that and then look at it again in January time to sort of stop and then go back? So, basically, swap from non concessional back into concessional and then look at it from January time to sort What see whether you drop it. of So what you yeah.","start_word":1800,"end_word":1880,"intents":[{"intent":"Confirm understanding","confidence_score":0.0008056621}]},{"text":"I mean, I know of the the tax the taxes less on the concessional.","start_word":1810,"end_word":1823,"intents":[{"intent":"Discuss tax reductions","confidence_score":0.09684761},{"intent":"Discuss tax deduction","confidence_score":0.0088170795}]},{"text":"could do so there's there's a couple of different methodologies to it because you are because your income is quite high and you do, you know, obviously, contribute as well, what there's, like, I guess, two two methodologies to it.","start_word":1881,"end_word":1920,"intents":[{"intent":"Discuss income deduction methods","confidence_score":0.0033658464}]},{"text":"Leave a little bit of wiggle room in case you get a little bit of bonus or an increase or whatever the case may be, and Yep.","start_word":1947,"end_word":1973,"intents":[{"intent":"Offer assistance","confidence_score":0.00068223383}]},{"text":"And then from a tax perspective, when we submit the notice of intent to claim, what that does is it notifies the Superfund to pay its 15% tax obligation, and you get to then claim your marginal rate back. Right.","start_word":2236,"end_word":2275,"intents":[{"intent":"Inform about tax notification","confidence_score":0.02967375}]},{"text":"So you put the money in nonconcessionally, so after tax paid, and then you submit we can submit the document.","start_word":2319,"end_word":2338,"intents":[{"intent":"Submit document","confidence_score":0.3128392}]},{"text":"They submit a notice to the ATO. You get a receipt emailed as well, so that way you have one for your tax file.","start_word":2373,"end_word":2396,"intents":[{"intent":"Receive notice","confidence_score":0.00061737024}]},{"text":"So when you do your tax return, it's already sitting there on your file like your employer's information is. Yeah.","start_word":2404,"end_word":2423,"intents":[{"intent":"Discuss tax return options","confidence_score":0.09949016}]},{"text":"And I increased my non concessional to offset the Yes. salary sacrifice. And so that's what I was Mhmm. going to do now was revert it, basically. So less Yep. increased salary and less the personal contributions. But Yep.","start_word":2939,"end_word":2977,"intents":[{"intent":"Reversing salary sacrifice","confidence_score":0.011736412}]},{"text":"I can calculate it for you. But, realistically speaking, investment wise, unless your mortgage is sitting at 9%, investment compound is going to outbeat your six, six and a half percent mortgage in terms of interest versus interest incurred on a mortgage. Yeah.","start_word":3029,"end_word":3071,"intents":[{"intent":"Comparing interest rates","confidence_score":0.1436732}]},{"text":"Or do you direct as much as you can towards compounding on your investment and pay down the mortgage at the rate that you're currently paying it, which is gonna take x amount of time longer.","start_word":3275,"end_word":3310,"intents":[{"intent":"Direct funds efficiently","confidence_score":0.0069291014}]},{"text":"But like I said, I just need a snapshot of the mortgage to be able to do so.","start_word":3497,"end_word":3514,"intents":[{"intent":"Discuss mortgage snapshot","confidence_score":0.03011497}]},{"text":"Increase my salary sacrifice and reduce my non concessional a bit to to sort of put back into the salary sacrifice, so I swapped back over. So I am still doing both. And, yeah, revisit it in January to see what needs to be done then, if anything. Because I think September October September because I'm already in the basically, the EBA has been done last year. So I think I should get the agreed pay rise September, October.","start_word":3910,"end_word":3988,"intents":[{"intent":"Clarify pay plan","confidence_score":0.0016556194}]},{"text":"So come this year, I had, like, a few lump sum payments, which has really thrown off my my income for this or the last financial year.","start_word":4135,"end_word":4161,"intents":[{"intent":"Resolve income discrepancy","confidence_score":0.011143423}]},{"text":"So fortnightly income of $7.05 65 would mean that annually your income's about $126.84. Cool.","start_word":4492,"end_word":4506,"intents":[{"intent":"Clarify income figures","confidence_score":0.0034229942}]},{"text":"That's pretty much what I was thinking. But, yeah, with regards to the changes in income and the the company let's call it the super guarantee. Yeah.","start_word":4825,"end_word":4851,"intents":[{"intent":"Confirms income change","confidence_score":0.00022938909}]},{"text":"So I'll swap Good that for now. over and that should be good.","start_word":4868,"end_word":4880,"intents":[{"intent":"Swaps super guarantee","confidence_score":0.44588494}]},{"text":"Well, if there is anything else that pops up what you that you think of or wanna talk about, please feel free to give us a call. Absolutely no issues at all.","start_word":4883,"end_word":4914,"intents":[{"intent":"Offers to talk","confidence_score":0.0043989136}]},{"text":"Thanks for your help. And, yep, Enjoy the rest Will do. You too. of your day.","start_word":4935,"end_word":4950,"intents":[{"intent":"Wishes good day","confidence_score":0.10336594}]}]},"sentiments":{"segments":[{"text":"Good morning. Carl. Larissa here. How are you going? Sorry, Larissa. It's actually me. I thought I would come through first. He doesn't have the he doesn't have the email in front of him. He's he's lost it, but he said it's real recent that it came through, and I can't see any file notes anywhere of who sent it. No. Like, last Friday, I went through and did, like, a a bit of a bulk send, but I was sending like, calling, sending, file noting, Yeah. and Yeah. I was For really, sure. really onto it doing the file note. I double checked to make sure, like, I didn't miss him, Yeah.","start_word":0,"end_word":112,"sentiment":"neutral","sentiment_score":-0.11507095396518709},{"text":"and I didn't like, I didn't send anything, and I can't see anything either.","start_word":113,"end_word":126,"sentiment":"negative","sentiment_score":-0.4244490265846253},{"text":"So Yeah. No. No. No. You you're totally fine. Just to give you he knows that it's about contributions, and he he could give me the kind of a little bit of what oh, was in there, you but want do you wanna know yep. who sent it? So if you go to the NOI spreadsheet, it has CSO assigned next to it. And any of Who? the ones that I sent, I put my initials next to it, Yeah. same as everyone else, and the initials next to it, the w s. So, yeah, pop Oh him my through.","start_word":127,"end_word":226,"sentiment":"neutral","sentiment_score":-0.018114225938916206},{"text":"fucking god.","start_word":227,"end_word":228,"sentiment":"negative","sentiment_score":-0.7245804667472839},{"text":"Okay. Beautiful. I'm gonna you have Carl in 321. Hi, Carla. How are you going?","start_word":229,"end_word":243,"sentiment":"neutral","sentiment_score":0.1057943031191826},{"text":"I'm good. Thank you.","start_word":244,"end_word":247,"sentiment":"positive","sentiment_score":0.45468831062316895},{"text":"Yourself? Yeah.","start_word":248,"end_word":249,"sentiment":"neutral","sentiment_score":0.22770631313323977},{"text":"Really good. Thank you.","start_word":250,"end_word":253,"sentiment":"positive","sentiment_score":0.5146770477294922},{"text":"I understand you were just reaching out with respect to the notes of intent or the the the contribution email you received. Yes. Yeah. Yeah. Cool. I had a look through the system. I can see the email that you got sent.","start_word":254,"end_word":295,"sentiment":"neutral","sentiment_score":0.03457687422633171},{"text":"It was just buried in your file, unfortunately.","start_word":296,"end_word":303,"sentiment":"negative","sentiment_score":-0.343664288520813},{"text":"Maddie couldn't see it straight up. But with respect to that one, basically, the the reason we send those emails is when we know that the client adds any contributions to their fund personally, We always wanna sort of make sure that from a tax perspective, we can investigate that and see whether there's any benefit to converting those funds from a personal contribution basically into something like an employer contribution. So from Yeah. a, I guess, like a the the terminology is from non concessional or the personal to concessional. So the concessional Yep. contributions tax at the at the superannuation rate versus a non concessional or a personal contribution means that you've already been taxed at your highest marginal tax rate. Now I know that you have put in twenty nine thousand two hundred and thirty six dollars and sixty four cents into your fund concessionally from, like, employment contributions, and the limit is $30,000 in a year. Yeah. But I guess the conversation and and what I sort of wanna, I guess, dig into and see is do we have the availability to claim? Because you you put in $88,200, like, nonconcessional or personally. And it's a, I guess, a conversation to see whether we claim some of that, claim all of that, how that works, what that triggers, and I guess the the point of you putting the money in. Because theoretically speaking, your balance is under $500,000, so we actually can utilize some of your previous financial year contribution caps. Tell me to slow down if I'm going too fast or if none of this No.","start_word":304,"end_word":574,"sentiment":"neutral","sentiment_score":0.026975909543543283},{"text":"is making No. sense.","start_word":575,"end_word":578,"sentiment":"negative","sentiment_score":-0.4159672260284424},{"text":"I understand. I yep. I understand Cool. everything. Yep. So so because we can use some of the previous years, like, concessional contribution caps, we could theoretically claim the at least some or all of that $8,200. I'd obviously need to dig in a little bit deeper and just make sure that we have the room to claim all of it Right. given Okay. your I know your income. I have zero left last year. So what was it? Like, $800 or something like that? That's Basically, all yeah. I've got. I've used up Yeah. all the previous years. So I've been on this, and I've made a mistake a couple of years now and again when I haven't kept an eye on it and gone over.","start_word":579,"end_word":705,"sentiment":"neutral","sentiment_score":-0.05454634731327455},{"text":"So, basically, all my non concessional wiggle room has gone other than that 800 Yep. dollars for the the year just gone.","start_word":706,"end_word":727,"sentiment":"negative","sentiment_score":-0.41179874539375305},{"text":"Okay. Well, if you wanna claim, basically, the $800 that we can claim so we max out that year, the rest of the money stays as an so we could claim that $800 concessionally. We fully capped that year out. Means you have a bit of a tax deduction that you can pop onto your onto your tax return. It's not a lot, but it's a little bit that we can obviously claim. And then the rest of that stays nonconcessional. So it means that there's just a little bit more money in the in the fund to be able to compound over time and keep boosting on your retirement savings that way. To be honest with you, for $800 worth, I think I'll just leave it as it is because I don't think Yep.","start_word":728,"end_word":862,"sentiment":"neutral","sentiment_score":0.12100453674793243},{"text":"it's gonna be a massive amount of money.","start_word":863,"end_word":870,"sentiment":"negative","sentiment_score":-0.4697695076465606},{"text":"Yeah. And plus that 800, what whatever it is, that will be extra wiggle room for next year if I need it because it it stays there, doesn't it? That It it does. Providing your balance stays under $500,000 at the turn of the financial year, so from June 30, you are able to look back on previous financial years and basically claw forward any of the unused space. But once your balance rolls over $500,000, you no longer have the availability to look back on previous years, and that that avenue becomes closed too. Yeah. Yeah. Okay. Well, I mean, hopefully, it goes above 500 in this financial year, but Yes. the way things are going, I don't see it. I mean, I think that was another question I'm gonna ask as well is what was my actual figure for this year. I've had a rough look, but nothing exact. As Yeah. in, like, I your think exact I was return figure or your balance figure? returned figure. So I've sort of had a quick look. I looked to me around about a 9.2, 9.3, but that was literally just me touching on the graph of when the year started to when the year finished, and it looked around about that 9.3. Yeah. So, basically, I've got I think it was 421 with the last time I looked. So, I mean, that's 42. So I'm still under the 500 if 10<unk> for this year coming. So yeah. And, again, it's only $800 worth of yeah. Yes. No. And and, honestly, it's pretty reasonable for you to leave that $800 to be able to look back on it for this financial year because it gives you that availability to do so rather than utilizing it for just this year.","start_word":871,"end_word":1170,"sentiment":"neutral","sentiment_score":0.007088837400078774},{"text":"So that way, if your contributions do go over this year, you have that that room, Yeah. which is good.","start_word":1171,"end_word":1190,"sentiment":"positive","sentiment_score":0.38897904753685},{"text":"Okay. Yep. So net net of all fees, you're looking at 7.89. So that's after all fees and after everything else. That's the $7.08 9. So the 9 whatever it was that you sort of quoted probably sounds Yeah. about right from a gross perspective. Yes. That's right. And that's the figure I was looking for was yeah, the as I said, I just basically touched on the graph of balance and went from year to year. So yeah. Yes. So I know the American president has put his finger in the works and sort of made the right mess of everything.","start_word":1191,"end_word":1292,"sentiment":"neutral","sentiment_score":0.031208164989948273},{"text":"But, yeah, I am obviously slightly disappointed with that sort of return figure. But, I mean, it is what it is when you got somebody like that upset in the global market and everything.","start_word":1293,"end_word":1326,"sentiment":"negative","sentiment_score":-0.46546345949172974},{"text":"Yeah. So hopefully, this year coming, it's better than that. Yeah. Well, economically speaking, even though there have been quite a number of, like, legislative changes even within our own country, it's actually looking like things are going to improve quite a little bit across some of the market segments. Like, don't me wrong. Not all market segments are gonna always improve, which is why diversification is always important.","start_word":1327,"end_word":1394,"sentiment":"neutral","sentiment_score":0.2542719610911958},{"text":"But when it comes down to to some of the legislation changes, like the tax changes that have just gone through for Australia, things are actually looking quite positive.","start_word":1395,"end_word":1423,"sentiment":"positive","sentiment_score":0.571110725402832},{"text":"Even though a lot of people are pretty skeptical about them, they're actually not as bad as what everyone's sort of saying they are to begin with.","start_word":1424,"end_word":1450,"sentiment":"neutral","sentiment_score":-0.05192876234650612},{"text":"So I am actually quite hopeful that come the end of this year, things are actually gonna sort of turn around quite nicely.","start_word":1451,"end_word":1473,"sentiment":"positive","sentiment_score":0.6768385171890259},{"text":"Yeah. Right. Okay. Yeah. Well, I've got very little in terms of investment, like, property or any I've got no property over here other than what I'm in. So that capital gains thing is minor for me at the moment. But Yeah. capital So gains doesn't just affect property. Like, negative gearing affects property, but capital gains affects any investment yeah. even Well, when you hold, you know, shares and stocks. yeah. Oh, but that's not a big deal when it comes to super though, is it? Super's treated differently from a capital gains Yeah. perspective, but it does get it doesn't does incur capital gains. Once you hit retirement phase and move into a full retirement fund, no. Capital gains no longer becomes relevant. But within a superannuation environment or accumulation, capital gains is definitely there. It's just calculated very differently to personal capital gains. Yeah. Yeah. Yep. Yeah. The only thing I've got other than that, I've got a a kids. What do you call it? One of them I can't remember the direct the correct term. I've just got one of them Vanguard kids investment things. Yep. Yep. But Like an investment account. I've I've put that in my wife's name so that because of my tax liabilities compared to hers. Income. Yeah. So, yeah, it shouldn't be as bad. Yeah. So I shouldn't be affected other than my employment sizings, hopefully. And, yes, another question I have now with regards to the contributions, it's the non concessional has gone up to 32 and a Concessional has gone up to 32 and a half. Yes. And half. then Sorry. the nonconcessional Yeah. The other way around. has gone Yep. up to a 130. Yep. So I can't remember who I spoke to, but, basically, I had to drop off my salary sacrifice to stay under the the cap. Yep. I think it was about January time I had to do that. Mhmm. Yes. So I would like to sort of discuss what's better. I mean, I know of the the tax the taxes less on the concessional. So without going over the limit, do I increase that and then look at it again in January time to sort of stop and then go back? So, basically, swap from non concessional back into concessional and then look at it from January time to sort What see whether you drop it. of So what you yeah. could do so there's there's a couple of different methodologies to it because you are because your income is quite high and you do, you know, obviously, contribute as well, what there's, like, I guess, two two methodologies to it. You, a, just, like, calculate to a degree what your what your income is expected to be and how much you therefore have in a gap. Leave a little bit of wiggle room in case you get a little bit of bonus or an increase or whatever the case may be, and Yep. we run with that methodology. If you do get an increase that is going to exceed anything, then we we were we, you know, reduce it midway through the year. The other methodology is that ongoing through the year, providing you can be without the income, you instead of salary sacrificing, you contribute nonconcessional, so after you've been taxed at your marginal rate. It means that throughout the year from a tax perspective, you pay the highest marginal rate based on your income.","start_word":1474,"end_word":2056,"sentiment":"neutral","sentiment_score":0.029968288370869785},{"text":"Your super fund ends up with basically tax paid money, so it pays no tax during the year, which means there's more money to invest throughout the year, more compounding.","start_word":2057,"end_word":2086,"sentiment":"positive","sentiment_score":0.5817475318908691},{"text":"And then in July, like, we're having a conversation now, we send out an email always in that June, July period to be like, hey. You've made personal contributions. Let's claim. And we can do the calculation to figure out what the gap is. So it means that if you've put in $8,000 throughout the year, your employer has put in, you know, $25,000, we can claim that gap all the way up to the 32.5.","start_word":2087,"end_word":2162,"sentiment":"neutral","sentiment_score":0.22329525649547577},{"text":"So that way, we we know we're we're covering down to every single cent.","start_word":2163,"end_word":2176,"sentiment":"positive","sentiment_score":0.3429168164730072},{"text":"Because even if we do calculate as much as possible from a salary sacrifice point of view, there's always gonna come a time where there is a little bit of a gap because dollars and cents.","start_word":2177,"end_word":2212,"sentiment":"neutral","sentiment_score":-0.04894290491938591},{"text":"So the the nonconcessional contribution methodology does work really nicely from that degree, especially if you're wanting to utilize as much as possible.","start_word":2213,"end_word":2235,"sentiment":"positive","sentiment_score":0.5219880938529968},{"text":"And then from a tax perspective, when we submit the notice of intent to claim, what that does is it notifies the Superfund to pay its 15% tax obligation, and you get to then claim your marginal rate back. Right. So Take tax care. wise, it all washes out the same way as if you salary sacrifice versus if you were to do it as a personal claim.","start_word":2236,"end_word":2303,"sentiment":"neutral","sentiment_score":0.23895376920700073},{"text":"And it it's they're called personal deductible contributions is how is what that strategy is.","start_word":2304,"end_word":2318,"sentiment":"positive","sentiment_score":0.4096701443195343},{"text":"So you put the money in nonconcessionally, so after tax paid, and then you submit we can submit the document. All I need is your verbal go ahead to submit it.","start_word":2319,"end_word":2349,"sentiment":"neutral","sentiment_score":0.2309931218624115},{"text":"I can submit the document for you.","start_word":2350,"end_word":2356,"sentiment":"positive","sentiment_score":0.34871906042099},{"text":"And once it's submitted, it takes the fund between three to five days to authorize it. They submit a notice to the ATO.","start_word":2357,"end_word":2379,"sentiment":"neutral","sentiment_score":0.1958654820919037},{"text":"You get a receipt emailed as well, so that way you have one for your tax file.","start_word":2380,"end_word":2396,"sentiment":"positive","sentiment_score":0.34207800030708313},{"text":"Yep. But the ATO is notified. So when you do your tax return, it's already sitting there on your file like your employer's information is. Yeah. Okay. So there there's, I guess, those two methods. It's just, I guess, dependent on how specifically you would like to run it.","start_word":2397,"end_word":2445,"sentiment":"neutral","sentiment_score":0.07997996253626687},{"text":"Like, where I can definitely we can definitely run with, like, the January touch base. Like, there's absolutely nothing wrong with that point.","start_word":2446,"end_word":2468,"sentiment":"positive","sentiment_score":0.39528733491897583},{"text":"January touch base where it's just a pay slip to say, hey. I've been paid this much. I expect to continue earning my same rate, or, actually, I'm gonna get a pay rise or whatever the case may be or, you know, employer bargaining agreements happened, and we're getting paid 14% contributions rather than 12. Yeah. And we can negotiate there. Obviously, if you jumped up to 14%, this is probably not gonna be it's not gonna work out nicely, but there is sort of that that that way as well. Yeah. Yeah. Yeah. Okay. Well, because of the 500,000 limit, I think just because I've done it pretty much every year this way, I think I'll carry Yeah. on doing it, the salary sacrifice, yeah, maybe for this year and then see what the balance is Yep. and, yeah, then look at doing it the other way that you said and claim back on the non concessional instead then. Yes. Yeah. Okay. And, yeah, basically, revisit it in January again and then go from there and, yeah, maybe look at changing it next year to the other method because I dare Yeah. say Because I'll your be your your sorry. your employee can pay it your employee can pay it nonconcessionally. So it can you can continue paying it the way you're paying it now, like, as if it was a salary sacrifice. But it's just in the back end, instead of it being a salary sacrifice arrangement and your employer not charging marginal tax on that amount, they would charge marginal tax and then out of your net income then pay to your super fund. Right. Okay. And your employer can literally set it up in, like, zero or whatever pay software they use. Yeah. Right. Okay. Right. Okay. But what Yep. I'll do for this what I'll do for the $25.26 tax year is I will leave the personal contribution that you've made as a personal contribution. I will leave the slight gap that you have in your concessional cap as it stands, and we can revisit it June, July 2027 as to what your balance looks like and how much we can claim. Because if you if you make personal contributions throughout the year or if you make a lump sum, whatever the case may be, you know, we'll still touch base with you in January anyway, and we can kinda Yep. do a calculation as to how you're tracking, and and we can kinda go from there. Yeah. Okay.","start_word":2469,"end_word":2892,"sentiment":"neutral","sentiment_score":0.16495028282252122},{"text":"Perfect.","start_word":2893,"end_word":2893,"sentiment":"positive","sentiment_score":0.4488705098628998},{"text":"Just one more question, sorry, with Absolutely. regards to No. this You're fine. non concessional. So, basically, when I had the chat, I think it was with Tarek in January. Basically, we discussed Call me. this oh, Tommy. Yes. Sorry. Tommy. Yes. No. You're okay. And I increased my non concessional to offset the Yes. salary sacrifice. And so that's what I was Mhmm. going to do now was revert it, basically. So less Yep. increased salary and less the personal contributions. But Yep. I'm just talking with the idea of increasing the salary sacrifice and then decreasing the nonconfessional. Personal. But is it better to pay down my mortgage with that instead of super to free up so, you know, basically pay down my mortgage quicker or with regards to the compounding interest. Yeah. I can calculate it for you. But, realistically speaking, investment wise, unless your mortgage is sitting at 9%, investment compound is going to outbeat your six, six and a half percent mortgage in terms of interest versus interest incurred on a mortgage. Yeah. Yeah. That's However, the downside to that is is that paying money off your mortgage is guaranteed savings versus the risk that's associated with any form of that's investment.","start_word":2894,"end_word":3100,"sentiment":"neutral","sentiment_score":-0.056973909806226186},{"text":"You have down years.","start_word":3101,"end_word":3104,"sentiment":"negative","sentiment_score":-0.3720181882381439},{"text":"Yeah. Yeah. That's that's sort of what my angle is. It's like that's a that's a debt that can be paid off quicker versus the potential for yeah. You pay in, but you're not physically seeing that money or potentially not seeing that money grow because it is reliant on the markets as such whereas, obviously, the the mortgage is a definite sort of it's it's there. You know, it's actually sort of real terms and saving as such. Yes. Yeah. With so there's there's, I guess so there's there's there's the exact there's the exact two thought process that we just had, which is do I guess, do you focus on putting money into your mortgage to make sure that is it pay it down quicker? And then after that point, then you can redirect your funds towards retirement savings, which will then give you less time to have that compound, which history shows that compounding over a longer period of time gets you better outcomes every time. Yeah. Or do you direct as much as you can towards compounding on your investment and pay down the mortgage at the rate that you're currently paying it, which is gonna take x amount of time longer. The only way I could really look at it would be to model it out properly to get the time frames, what's left on your mortgage, what the interest rate is, you know, if you were to pay x amount more to your mortgage, how much interest is gonna be saved, and how much quicker would you actually pay it down.","start_word":3105,"end_word":3371,"sentiment":"neutral","sentiment_score":0.09874053299427032},{"text":"And I can 100% do that.","start_word":3372,"end_word":3377,"sentiment":"positive","sentiment_score":0.3827913999557495},{"text":"All I need is a a mortgage snapshot to be able to sort of give you that information, and then I can just kind of direct the money that you're currently salary sacrificing towards paying off the mortgage and show you what that outcome is versus the salary sacrifice arrangement. And it gives you it gives you information so you can make an informed decision, Yeah. Alright. Let me check. and we can chat about it. Doesn't have to be today. Yeah. Doesn't have to be tomorrow. If you wanna just sit on it for now, we can talk in January. It's it it's fine either either way.","start_word":3378,"end_word":3485,"sentiment":"neutral","sentiment_score":0.1895716714638251},{"text":"I'm I'm I'm very happy to do it for you now.","start_word":3486,"end_word":3496,"sentiment":"positive","sentiment_score":0.7526513934135437},{"text":"But like I said, I just need a snapshot of the mortgage to be able to do so. Yeah. Well, I I overpay my mortgage as it is. It was just the thought of if I added that non to it, it would be even more paid down quicker. But it it is literally in the back of my head that compounding factor. And now you've mentioned it, yes, that extra couple of percent compounding still is more beneficial than yeah. The paying off the mortgage at the current rate. Yeah. No. I think I'll leave it as it is. I I don't think yeah. Just that that little comment that you said about the compounding and still at that what would it let's just say this year's one is 7.89. That is still higher than my mortgage of 5.89. So you're still gaining 2% compounding compared to my mortgage. So Yeah. yeah. No. No. It was just an idea. I just yeah. No. I think it just confirmed that I would I'm in an hour and I'm trying to sort of yeah. Because of, obviously, the concessional, non concessional, just changing it, and then it just popped into my head whether I would be stopped and stopped the non concessional. I'll put it towards my mortgage instead. But that's more beneficial, but yeah. On one Yep. hand, it The is, but on the other hand, maybe the not. yes. The the biggest takeaway I have for you is, realistically, you need to continue non concessionally contributing at least a little bit. So that way, when the end of the year turns around, we can put that claim Yeah. in. Because it's it's you you have a 100 sorry. A 100 $425,425,000 in your account now. So it's not it's not gonna be long before you do flip over to that 9 to that 500, which, again, closes off that avenue for you to be able to look back. But if you make the non concessional contributions within the financial year, you can NOI claim them. It's not looking back at all. You are able to NOI claim them. So if you make them this year, we can look back on last year and claim that $800 if your account does flip over that 500,000 by the end of this fine this current financial 2027 year. Yeah. Right. Okay.","start_word":3497,"end_word":3895,"sentiment":"neutral","sentiment_score":0.04745631478260035},{"text":"Yep. That sounds like an idea. So, yeah, I'll keep it as it is.","start_word":3896,"end_word":3909,"sentiment":"positive","sentiment_score":0.4679173231124878},{"text":"Increase my salary sacrifice and reduce my non concessional a bit to to sort of put back into the salary sacrifice, so I swapped back over. So I am still doing both. And, yeah, revisit it in January to see what needs to be done then, if anything. Because I think September October September because I'm already in the basically, the EBA has been done last year. So I think I should get the agreed pay rise September, October.","start_word":3910,"end_word":3988,"sentiment":"neutral","sentiment_score":0.1960075944662094},{"text":"So that's why January is a good idea because that would have been in effect and then I'll have a better idea there.","start_word":3989,"end_word":4011,"sentiment":"positive","sentiment_score":0.3707915246486664},{"text":"Yep. The 12 What's percent your what's company your second income is fixed. in this? Lose? What's Sorry? what's your what's your expected income to be what are you what are you expecting your income to change to? No.","start_word":4012,"end_word":4050,"sentiment":"neutral","sentiment_score":-0.0459970086812973},{"text":"That's a good question because I have no idea.","start_word":4051,"end_word":4059,"sentiment":"negative","sentiment_score":-0.3610512316226959},{"text":"Yeah. Basically, there's been a couple of changes this year with regards to the company were paying us wrong, apparently, with regards to because I'm a shift worker. Yes. They worked it so that the public holidays and things, they didn't include those when we're off and things like that, but I don't know.","start_word":4060,"end_word":4113,"sentiment":"neutral","sentiment_score":-0.2752726674079895},{"text":"Basically, they were discussing things in the firework of rule against the company, and they've been told to pay us. So come this year, I had, like, a few lump sum payments, which has really thrown off my my income for this or the last financial year.","start_word":4114,"end_word":4160,"sentiment":"negative","sentiment_score":-0.4639594402719051},{"text":"So I'm not really Yeah.","start_word":4161,"end_word":4165,"sentiment":"neutral","sentiment_score":-0.2958415150642395},{"text":"a 100% sure what it actually was supposed to be with my moderate sort of overtime and all that sort of business. So I haven't really got a figure to work off the year just gone.","start_word":4166,"end_word":4201,"sentiment":"negative","sentiment_score":-0.458511620759964},{"text":"Yeah. And the percentage coming in September, October. Yeah. So I'd have to I'd have to have a look at that and see what that increase is going to be. But I know as part of the EBA, the company contribution wasn't increased. Yeah. So I think it's still going to be it was twelve Day or to 12:00 twelve. at the end. Yeah. Something like that. That's what what it was, and they didn't increase that. It was, yeah, just a pay agreement, basically. Okay. Alright. That's okay. No. That's that's not an issue at all. If yeah. I mean, once you do know your income, if you can even just, like, flick an email through to myself or Tommy or through to one of the admin email addresses, and they'll get it through to Tommy or I just so we Yes. can have a look. And then we just send you an email saying, like, you know, still fine or whatever the case may be just so we we can keep a little bit of an eye on it as well from the income perspective. Yeah. Yeah. Okay. Well, it's been what is it? A couple of weeks now since change of the year, and all that extra payment's pretty much gone now. And I haven't done any extra shifts since the change of the financial year. So, basically, I I know my top end before tax is 7,565. My net take home is $5.02 $6.07, and that's with a $100 salary salary sacrifice. So yeah. Basically, Alright. I So was just gonna multiply 7 that. $5.65 is your gross? Yep. Is that the monthly, fortnightly, Forthnightly. weekly fortnightly call? $7.05 6 45<unk>. Because the 45<unk> matters.","start_word":4202,"end_word":4493,"sentiment":"neutral","sentiment_score":-0.02204514995906247},{"text":"Cool.","start_word":4493,"end_word":4494,"sentiment":"positive","sentiment_score":0.33815932273864746},{"text":"So fortnightly income of $7.05 65 would mean that annually your income's about $126.84.","start_word":4494,"end_word":4508,"sentiment":"neutral","sentiment_score":0.1379162222146988},{"text":"Cool.","start_word":4508,"end_word":4509,"sentiment":"positive","sentiment_score":0.3786559998989105},{"text":"Which means contributions on that from your employer Nope.","start_word":4509,"end_word":4518,"sentiment":"neutral","sentiment_score":0.14335134625434875},{"text":"Cool. That's that's better.","start_word":4518,"end_word":4522,"sentiment":"positive","sentiment_score":0.43365928530693054},{"text":"Sorry. I had a setting wrong. Oh, and that was your net anyway. Sorry. Gross income is $1.96, $6.90. That Yep. sounds better, doesn't it? And that Yep. mathematically makes sense now. I was looking at it. I'm like, where where is what is wrong? Why is settings wrong? Because I was working on another client before you called in, which means that super contributions direct from your employer would be sitting around the $23,600. So gap wise, we don't have heaps to move with, but we've got a little bit. It's, you know, sort of $99,000 roughly. So Yeah. $8.80 Yep. 900 if you wanna be specific. So, theoretically, 8,900 across the year, like, 26 periods, you've got sort of $340 per fortnight that you could pop Yeah. Okay. in. I But think that that's getting real close to you. That's getting that's that is, like, pretty muchly on your cap, and you could blow out really easily with some overtime or whatever the case may be. And the discussion I had was that was the maximum. So yeah, last Mhmm. year, we had this discussion, and I went to I think it was, like, I went I went to 200, and that was the maximum to avoid going over Popping rather out. than three Yeah. 100. And so, basically, it was 200 salary sacrifice and 200 Yes. personal. Yeah. So that was what I was thinking was because I've gone to 400 on the personal. So I've put that extra 100 back into salary sacrifice and leave the other one where it is at 300, and Yep. that leaves wiggle room for any additional Absolutely. income. Yeah.","start_word":4522,"end_word":4801,"sentiment":"neutral","sentiment_score":-0.02159174345433712},{"text":"I would definitely agree with that.","start_word":4801,"end_word":4807,"sentiment":"positive","sentiment_score":0.4581047892570496},{"text":"Okay. Going 200 on the on your sales tax would, yeah, would be I wouldn't go more. Yeah. Okay.","start_word":4807,"end_word":4823,"sentiment":"neutral","sentiment_score":-0.03382755596848095},{"text":"Perfect. That's pretty much what I was thinking.","start_word":4824,"end_word":4831,"sentiment":"positive","sentiment_score":0.3984585702419281},{"text":"But, yeah, with regards to the changes in income and the the company let's call it the super guarantee. Yeah. That's why I just wanted to confirm with you all that side of it and yep. So I'll swap Good that for now.","start_word":4832,"end_word":4874,"sentiment":"neutral","sentiment_score":0.19438934326171875},{"text":"over and that should be good. Perfect. Amazing.","start_word":4875,"end_word":4882,"sentiment":"positive","sentiment_score":0.538697361946106},{"text":"Well, if there is anything else that pops up what you that you think of or wanna talk about, please feel free to give us a call.","start_word":4883,"end_word":4909,"sentiment":"neutral","sentiment_score":0.1826280951499939},{"text":"Absolutely no issues at all. Okay. Awesome. Perfect. Well, thanks for the cold call. I think that's all I can think of. So yeah. Awesome. Thanks for your help. And, yep, Enjoy the rest Will do. You too. of your day. Thank you.","start_word":4910,"end_word":4952,"sentiment":"positive","sentiment_score":0.4792942404747009},{"text":"Bye. Bye.","start_word":4953,"end_word":4954,"sentiment":"neutral","sentiment_score":0.21665191650390625}],"average":{"sentiment":"neutral","sentiment_score":0.05722664893471057}}}}