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I figured I'd give you a quick call while I was on the road just to see if I could help. And then when I get back in the office later this afternoon, send you an email with any information following up. So what was it that you were, I guess, specifically wanting to know? Yep. Yep. Yep. Yep. Yep. Okay. Excellent question. Can you leave it with me so I can run the figures? I will be back in the office around midday so I can run the figures, have a look at everything, and I can give you a callback or send you an email if that's okay, just so I can obviously get my hands on all the information and run through everything that I need to. Yeah. Well, it's supposed yeah. It's supposed to come into effect as of the July 1, but it hasn't passed yet. And that's frustrating part is because, obviously, we are fourteen days away from finishing the financial year out. And at this we have no confirmation as to what, if any, implications that legislation's gonna have on the proposed agenda. So it is it's very bated breath really at this point. It's just frustrating. Yeah. Yeah. Hello? With with both of you, just I don't have your files obviously in front of me. Are both of you working at the moment? And what like cool. Alright. No. That's okay. Amazing. When I get back to the office, I will pull apart your files. I am very, like I'm not, you know, instantly off the top of my head, but I am aware of both of your files and where everything fits. So I know that both the super funds plus the IDPS. I know where everything fits from that perspective. So I'll just dig a little deeper, find out the information I need to find out. And you're talking you're wanting to withdraw the entire balance from the IDPS? 4 Yep. Yep. Which will you sorry. Bollish or bring Yep. Okay. No. That's okay. Alright. Cool. I'll I'll have a look at it, and I'll pull up the BGT tax commissions, and I will let you know. Oh, alright. No. Absolutely. Thanks for taking my call and bearing with the insight. 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Richard. It's a Lisa from o two Financial. How are you doing? That's good.\n\nLook, I'm the team. Just let me know that you had a few questions that you wanted to ask. I figured I'd give you a quick call while I was on the road just to see if I could help. And then when I get back in the office later this afternoon, send you an email with any information following up. So what was it that you were, I guess, specifically wanting to know?\n\nYep. Yep. Yep. Yep. Yep.\n\nOkay. Excellent question. Can you leave it with me so I can run the figures? I will be back in the office around midday so I can run the figures, have a look at everything, and I can give you a callback or send you an email if that's okay, just so I can obviously get my hands on all the information and run through everything that I need to. Yeah.\n\nWell, it's supposed yeah. It's supposed to come into effect as of the July 1, but it hasn't passed yet. And that's frustrating part is because, obviously, we are fourteen days away from finishing the financial year out. And at this we have no confirmation as to what, if any, implications that legislation's gonna have on the proposed agenda. So it is it's very bated breath really at this point.\n\nIt's just frustrating. Yeah. Yeah. Hello? With with both of you, just I don't have your files obviously in front of me.\n\nAre both of you working at the moment? And what like cool. Alright. No. That's okay.\n\nAmazing. When I get back to the office, I will pull apart your files. I am very, like I'm not, you know, instantly off the top of my head, but I am aware of both of your files and where everything fits. So I know that both the super funds plus the IDPS. I know where everything fits from that perspective.\n\nSo I'll just dig a little deeper, find out the information I need to find out. And you're talking you're wanting to withdraw the entire balance from the IDPS? 4 Yep. Yep. Which will you sorry.\n\nBollish or bring Yep. Okay. No. That's okay. Alright.\n\nCool. I'll I'll have a look at it, and I'll pull up the BGT tax commissions, and I will let you know. Oh, alright. No. Absolutely.\n\nThanks for taking my call and bearing with the insight. Amazing. I'll talk to you later this afternoon. Okay? Not a problem, Richard.\n\nHave a good one. 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fits.","start":216.325,"end":223.685,"sentiment":"neutral","sentiment_score":0.09446462629629034},{"text":"So I know that both the super funds plus the IDPS.","start":223.685,"end":225.94499,"sentiment":"neutral","sentiment_score":0.10678412358869206},{"text":"I know where everything fits from that perspective.","start":228.14,"end":230.32,"sentiment":"neutral","sentiment_score":0.10095128230750561}],"sentiment":"neutral","sentiment_score":0.12046085511807536,"num_words":61,"start":213.205,"end":230.32},{"sentences":[{"text":"So I'll just dig a little deeper, find out the information I need to find out.","start":231.58,"end":235.52,"sentiment":"neutral","sentiment_score":0.0569373311009258},{"text":"And you're talking you're wanting to withdraw the entire balance from the IDPS?","start":236.06,"end":240.56,"sentiment":"neutral","sentiment_score":-0.008069545639535556},{"text":"4 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Thanks. Yeah. Yeah. Okay. So we have a a a joint account in Hub 24. That's currently 350 something thousand. Now we wanted to withdraw that money and make a non concessional contribution to Mercia's super next financial year. So in in from July on. My my question is, should we withdraw that this financial year to avoid the capital gains tax increase the government has planned for us. Yeah. That's my concern my concern is that the the concessional rebate for capital gains, is that going to come into effect in next financial year? So if we Yeah. Yeah. Yeah. So so yeah. So I'm sort of being inclined to whip that money out before the end of this financial year because it's gonna come out anyway. We're gonna use it in July to make the non concessional contribution to Mercia's Super. No. No. No. No. We're both on we both have retired both retired. Yeah. Just the 300. I'm thinking of non concessional contribution in July of 300,000. But yeah. 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Thanks. Yeah. Yeah. Okay.\n\nSo we have a a a joint account in Hub 24. That's currently 350 something thousand. Now we wanted to withdraw that money and make a non concessional contribution to Mercia's super next financial year. So in in from July on. My my question is, should we withdraw that this financial year to avoid the capital gains tax increase the government has planned for us.\n\nYeah. That's my concern my concern is that the the concessional rebate for capital gains, is that going to come into effect in next financial year? So if we Yeah. Yeah. Yeah.\n\nSo so yeah. So I'm sort of being inclined to whip that money out before the end of this financial year because it's gonna come out anyway. We're gonna use it in July to make the non concessional contribution to Mercia's Super. No. No.\n\nNo. No. We're both on we both have retired both retired. Yeah. Just the 300.\n\nI'm thinking of non concessional contribution in July of 300,000. But yeah. So the 50 but currently, I think this morning, it was 51,000. $5,152,000. We'll pay that whatever tax we are we're gonna have to pay out of that and and retain the rest of that until the next financial year when I can make a non concessional contribution into my super.\n\nOkay. Thank you. Okay. Thank you very much. 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make a non concessional contribution to Mercia's super next financial year.","start":55.035,"end":69.31,"sentiment":"neutral","sentiment_score":0.05513475462794304},{"text":"So in in from July on.","start":71.395,"end":74.055,"sentiment":"neutral","sentiment_score":0.01411113003268838},{"text":"My my question is, should we withdraw that this financial year to avoid the capital gains tax increase the government has planned for us.","start":77.155,"end":86.96,"sentiment":"neutral","sentiment_score":-0.0017456326556081574}],"sentiment":"neutral","sentiment_score":0.02351009235359155,"num_words":65,"start":39.29,"end":86.96},{"sentences":[{"text":"Yeah.","start":112.810005,"end":113.310005,"sentiment":"neutral","sentiment_score":0.013155059888958933},{"text":"That's my concern my concern is that the the concessional rebate for capital gains, is that going to come into effect in next financial year?","start":113.61,"end":129.435,"sentiment":"neutral","sentiment_score":-0.09826361390412786},{"text":"So if we Yeah.","start":130.855,"end":159.695,"sentiment":"neutral","sentiment_score":-0.19873127713799477},{"text":"Yeah.","start":159.695,"end":160.195,"sentiment":"neutral","sentiment_score":-0.21829035878181455},{"text":"Yeah.","start":161.615,"end":161.855,"sentiment":"neutral","sentiment_score":-0.2819337844848633}],"sentiment":"neutral","sentiment_score":-0.11683076686040295,"num_words":32,"start":112.810005,"end":161.855},{"sentences":[{"text":"So so yeah.","start":161.855,"end":167.8,"sentiment":"negative","sentiment_score":-0.37776802480220795},{"text":"So I'm sort of being inclined to whip that money out before the end of this financial year because it's gonna come out anyway.","start":167.8,"end":180.775,"sentiment":"neutral","sentiment_score":-0.028523948043584824},{"text":"We're gonna use it in July to make the non concessional contribution to Mercia's Super.","start":180.775,"end":191.675,"sentiment":"neutral","sentiment_score":0.13412843644618988},{"text":"No.","start":203.51001,"end":203.75,"sentiment":"neutral","sentiment_score":-0.12410064041614532},{"text":"No.","start":203.75,"end":204.07,"sentiment":"neutral","sentiment_score":-0.1349770575761795}],"sentiment":"neutral","sentiment_score":-0.0014779540625485506,"num_words":44,"start":161.855,"end":204.07},{"sentences":[{"text":"No.","start":204.07,"end":204.47,"sentiment":"neutral","sentiment_score":-0.15807563066482544},{"text":"No.","start":204.47,"end":204.87001,"sentiment":"neutral","sentiment_score":-0.12359143048524857},{"text":"We're both on we both have retired both retired.","start":204.87001,"end":210.715,"sentiment":"neutral","sentiment_score":-0.03528763736701674},{"text":"Yeah.","start":242.85501,"end":243.35501,"sentiment":"neutral","sentiment_score":0.007499228231608868},{"text":"Just the 300.","start":245.095,"end":246.235,"sentiment":"neutral","sentiment_score":0.0058782075842221575}],"sentiment":"neutral","sentiment_score":-0.03827479643126329,"num_words":15,"start":204.07,"end":246.235},{"sentences":[{"text":"I'm thinking of non concessional contribution in July of 300,000.","start":247.49,"end":253.19,"sentiment":"neutral","sentiment_score":0.015207577962428331},{"text":"But yeah.","start":258.53,"end":260.07,"sentiment":"neutral","sentiment_score":-0.010828589089214802},{"text":"So the 50 but currently, I think this morning, it was 51,000.","start":260.875,"end":266.57498,"sentiment":"neutral","sentiment_score":-0.00024666970906158287},{"text":"$5,152,000.","start":266.715,"end":268.335,"sentiment":"neutral","sentiment_score":0.01659020595252514},{"text":"We'll pay that whatever tax we are we're gonna have to pay out of that and and retain the rest of that until the next financial year when I can make a non concessional contribution into my super.","start":270.555,"end":285.15,"sentiment":"neutral","sentiment_score":0.017115020291193536}],"sentiment":"neutral","sentiment_score":0.012609833999285622,"num_words":63,"start":247.49,"end":285.15},{"sentences":[{"text":"Okay.","start":298.895,"end":299.395,"sentiment":"neutral","sentiment_score":0.12538233399391174},{"text":"Thank you.","start":301.28,"end":302.02,"sentiment":"neutral","sentiment_score":0.21874593198299408},{"text":"Okay.","start":310.4,"end":310.9,"sentiment":"neutral","sentiment_score":0.3078896999359131},{"text":"Thank you very much.","start":313.52,"end":314.66,"sentiment":"positive","sentiment_score":0.48811424523591995},{"text":"Bye.","start":316.65295,"end":317.15295,"sentiment":"positive","sentiment_score":0.3495182693004608}],"sentiment":"positive","sentiment_score":0.3525265720155504,"num_words":9,"start":298.895,"end":317.15295}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Hi. Richard. It's a Lisa from o two Financial. How are you doing?\n\nChannel 1: Good. Thanks.\n\nChannel 0: That's good. Look, I'm the team. Just let me know that you had a few questions that you wanted to ask. I figured I'd give you a quick call while I was on the road just to see if I could help. And then when I get back in the office later this afternoon, send you an email with any information following up.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: So what was it that you were, I guess, specifically wanting to know?\n\nChannel 1: Okay. So we have a a a joint account in\n\nChannel 0: Yep.\n\nChannel 1: Hub\n\nChannel 0: Yep.\n\nChannel 1: 24.\n\nChannel 0: Yep.\n\nChannel 1: That's currently 350 something thousand.\n\nChannel 0: Yep. Yep.\n\nChannel 1: Now we wanted to withdraw that money and make a non concessional contribution to Mercia's super next financial year. So in in from July on. My my question is, should we withdraw that this financial year to avoid the capital gains tax increase the government has planned for us.\n\nChannel 0: Okay. Excellent question. Can you leave it with me so I can run the figures? I will be back in the office around midday so I can run the figures, have a look at everything, and I can give you a callback or send you an email if that's okay, just so I can obviously get my hands on all the information and run through everything that I need to.\n\nChannel 1: Yeah. That's\n\nChannel 0: Yeah.\n\nChannel 1: my concern my concern is that the the concessional rebate for capital gains, is that going to come into effect in next financial year?\n\nChannel 0: Well,\n\nChannel 1: So\n\nChannel 0: it's\n\nChannel 1: if we\n\nChannel 0: supposed yeah. It's supposed to come into effect as of the July 1, but it hasn't passed yet. And that's frustrating part is because, obviously, we are fourteen days away from finishing the financial year out. And at this we have no confirmation as to what, if any, implications that legislation's gonna have on the proposed\n\nChannel 1: Yeah.\n\nChannel 0: agenda.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: So\n\nChannel 1: So\n\nChannel 0: it is\n\nChannel 1: so\n\nChannel 0: it's very bated breath really at this point. It's just frustrating.\n\nChannel 1: yeah. So I'm sort of being inclined to whip that money out before the end of this financial year\n\nChannel 0: Yeah.\n\nChannel 1: because it's gonna come out anyway. We're gonna use it in July to make the non concessional contribution to Mercia's Super.\n\nChannel 0: Yeah. Hello? With with both of you, just I don't have your files obviously in front of me. Are both of you working at the moment? And\n\nChannel 1: No.\n\nChannel 0: what\n\nChannel 1: No. No.\n\nChannel 0: like\n\nChannel 1: No. We're both on we both have\n\nChannel 0: cool.\n\nChannel 1: retired both retired.\n\nChannel 0: Alright. No. That's okay. Amazing. When I get back to the office, I will pull apart your files.\n\nI am very, like I'm not, you know, instantly off the top of my head, but I am aware of both of your files and where everything fits. So I know that both the super funds plus the IDPS. I know where everything fits from that perspective. So I'll just dig a little deeper, find out the information I need to find out. And you're talking you're wanting to withdraw the entire balance from the IDPS?\n\n4\n\nChannel 1: Yeah. Just the 300. I'm thinking of non concessional contribution in July\n\nChannel 0: Yep.\n\nChannel 1: of 300,000.\n\nChannel 0: Yep. Which will you sorry.\n\nChannel 1: But\n\nChannel 0: Bollish or bring\n\nChannel 1: yeah. So the 50 but currently, I think this morning, it was 51,000. $5,152,000. We'll pay that whatever tax we are we're gonna have to pay out of that and and retain the rest of that until\n\nChannel 0: Yep.\n\nChannel 1: the next financial year when I can make a non concessional contribution into my super.\n\nChannel 0: Okay. No. That's okay. Alright. Cool.\n\nI'll I'll have a look at it, and I'll pull up the BGT tax commissions, and I will let you know.\n\nChannel 1: Okay. Thank\n\nChannel 0: Oh,\n\nChannel 1: you.\n\nChannel 0: alright. No. Absolutely. Thanks for taking my call and bearing with the insight.\n\nChannel 1: Okay.\n\nChannel 0: Amazing. I'll talk to you later this afternoon. Okay?\n\nChannel 1: Thank you very much.\n\nChannel 0: Not a problem, Richard. Have\n\nChannel 1: Bye.\n\nChannel 0: a good one. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":3.1999998,"end":3.6999998,"sentiment":"neutral","sentiment_score":0.07337947189807892},{"text":"Richard.","start":3.9199998,"end":4.4,"sentiment":"neutral","sentiment_score":0.07267293334007263},{"text":"It's a Lisa from o two Financial.","start":4.4,"end":5.8399997,"sentiment":"neutral","sentiment_score":0.11382168637854713},{"text":"How are you doing?","start":5.8399997,"end":6.66,"sentiment":"neutral","sentiment_score":0.14565353095531464}],"sentiment":"neutral","sentiment_score":0.11733987182378769,"channel":0,"num_words":13,"start":3.1999998,"end":6.66},{"sentences":[{"text":"Good.","start":7.44,"end":7.68,"sentiment":"positive","sentiment_score":0.6073659658432007},{"text":"Thanks.","start":7.68,"end":8.18,"sentiment":"positive","sentiment_score":0.6942604780197144}],"sentiment":"positive","sentiment_score":0.6508132219314575,"channel":1,"num_words":2,"start":7.44,"end":8.18},{"sentences":[{"text":"That's good.","start":9.2,"end":10.0199995,"sentiment":"positive","sentiment_score":0.64333575963974},{"text":"Look, I'm the team.","start":11.36,"end":14.025,"sentiment":"neutral","sentiment_score":0.22247490286827087},{"text":"Just let me know that you had a few questions that you wanted to ask.","start":14.025,"end":18.744999,"sentiment":"neutral","sentiment_score":0.14745935748020808},{"text":"I figured I'd give you a quick call while I was on the road just to see if I could help.","start":18.744999,"end":24.425,"sentiment":"neutral","sentiment_score":0.14268431812524796},{"text":"And then when I get back in the office later this afternoon, send you an email with any information following 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in","start":39.29,"end":46.715,"sentiment":"neutral","sentiment_score":0.028676238221426804}],"sentiment":"neutral","sentiment_score":0.027930350881069897,"channel":1,"num_words":10,"start":38.89,"end":46.715},{"sentences":[{"text":"Yep.","start":46.535,"end":46.855003,"sentiment":"neutral","sentiment_score":0.019218331202864647}],"sentiment":"neutral","sentiment_score":0.019218331202864647,"channel":0,"num_words":1,"start":46.535,"end":46.855003},{"sentences":[{"text":"Hub","start":46.715,"end":47.035,"sentiment":"neutral","sentiment_score":0.02039302699267864}],"sentiment":"neutral","sentiment_score":0.02039302699267864,"channel":1,"num_words":1,"start":46.715,"end":47.035},{"sentences":[{"text":"Yep.","start":46.855003,"end":47.355003,"sentiment":"neutral","sentiment_score":0.018592797219753265}],"sentiment":"neutral","sentiment_score":0.018592797219753265,"channel":0,"num_words":1,"start":46.855003,"end":47.355003},{"sentences":[{"text":"24.","start":47.035,"end":47.855003,"sentiment":"neutral","sentiment_score":0.011880637146532536}],"sentiment":"neutral","sentiment_score":0.011880637146532536,"channel":1,"num_words":1,"start":47.035,"end":47.855003},{"sentences":[{"text":"Yep.","start":47.735,"end":48.235,"sentiment":"neutral","sentiment_score":0.021602367982268333}],"sentiment":"neutral","sentiment_score":0.021602367982268333,"channel":0,"num_words":1,"start":47.735,"end":48.235},{"sentences":[{"text":"That's currently 350 something thousand.","start":49.195,"end":52.655003,"sentiment":"neutral","sentiment_score":0.029492852091789246}],"sentiment":"neutral","sentiment_score":0.029492852091789246,"channel":1,"num_words":5,"start":49.195,"end":52.655003},{"sentences":[{"text":"Yep.","start":53.095,"end":53.415,"sentiment":"neutral","sentiment_score":0.03246123716235161},{"text":"Yep.","start":53.415,"end":53.915,"sentiment":"neutral","sentiment_score":0.037472039461135864}],"sentiment":"neutral","sentiment_score":0.034966638311743736,"channel":0,"num_words":2,"start":53.095,"end":53.915},{"sentences":[{"text":"Now we wanted to withdraw that money and make a non concessional contribution to Mercia's super next financial year.","start":55.035,"end":69.31,"sentiment":"neutral","sentiment_score":0.05513475462794304},{"text":"So in in from July on.","start":71.395,"end":74.055,"sentiment":"neutral","sentiment_score":0.01411113003268838},{"text":"My my question is, should we withdraw that this financial year to avoid the capital gains tax increase the government has planned for us.","start":77.155,"end":86.96,"sentiment":"neutral","sentiment_score":-0.0017456326556081574}],"sentiment":"neutral","sentiment_score":0.02225167213045821,"channel":1,"num_words":49,"start":55.035,"end":86.96},{"sentences":[{"text":"Okay.","start":90.119995,"end":90.6,"sentiment":"neutral","sentiment_score":0.11155813932418825},{"text":"Excellent question.","start":90.6,"end":91.659996,"sentiment":"neutral","sentiment_score":0.2376464158296585},{"text":"Can you leave it with me so I can run the figures?","start":92.28,"end":94.78,"sentiment":"neutral","sentiment_score":0.16400120531519255},{"text":"I will be back in the office around midday so I can run the figures, have a look at everything, and I can give you a callback or send you an email if that's okay, just so I can obviously get my hands on all the information and run through everything that I need 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sort of being inclined to whip that money out before the end of this financial year","start":167.8,"end":175.26,"sentiment":"neutral","sentiment_score":-0.06313764779931968}],"sentiment":"neutral","sentiment_score":-0.0704195968022472,"channel":1,"num_words":19,"start":167.4,"end":175.26},{"sentences":[{"text":"Yeah.","start":176.5,"end":177.0,"sentiment":"neutral","sentiment_score":0.034239161759614944}],"sentiment":"neutral","sentiment_score":0.034239161759614944,"channel":0,"num_words":1,"start":176.5,"end":177.0},{"sentences":[{"text":"because it's gonna come out anyway.","start":179.095,"end":180.775,"sentiment":"neutral","sentiment_score":0.07531715122361977},{"text":"We're gonna use it in July to make the non concessional contribution to Mercia's 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both on we both have","start":204.87001,"end":208.47499,"sentiment":"neutral","sentiment_score":-0.04374385252594948}],"sentiment":"neutral","sentiment_score":-0.05515064937727792,"channel":1,"num_words":7,"start":204.47,"end":208.47499},{"sentences":[{"text":"cool.","start":208.17,"end":208.67,"sentiment":"neutral","sentiment_score":-0.04054025933146477}],"sentiment":"neutral","sentiment_score":-0.04054025933146477,"channel":0,"num_words":1,"start":208.17,"end":208.67},{"sentences":[{"text":"retired both retired.","start":209.25499,"end":210.715,"sentiment":"neutral","sentiment_score":-0.01837520704915126}],"sentiment":"neutral","sentiment_score":-0.01837520704915126,"channel":1,"num_words":3,"start":209.25499,"end":210.715},{"sentences":[{"text":"Alright.","start":211.845,"end":212.08499,"sentiment":"neutral","sentiment_score":0.038557201623916626},{"text":"No.","start":212.08499,"end":212.325,"sentiment":"neutral","sentiment_score":0.008130054920911789},{"text":"That's okay.","start":212.325,"end":213.065,"sentiment":"neutral","sentiment_score":0.15786947309970856},{"text":"Amazing.","start":213.205,"end":213.705,"sentiment":"positive","sentiment_score":0.45210421085357666},{"text":"When I get back to the office, I will pull apart your files.","start":213.765,"end":216.325,"sentiment":"neutral","sentiment_score":0.1745202151628641}],"sentiment":"neutral","sentiment_score":0.1712940672619475,"channel":0,"num_words":18,"start":211.845,"end":216.325},{"sentences":[{"text":"I am very, like I'm not, you know, instantly off the top of my head, but I am aware of both of your files and where everything fits.","start":216.325,"end":223.685,"sentiment":"neutral","sentiment_score":0.09446462629629034},{"text":"So I know that both the super funds plus the IDPS.","start":223.685,"end":225.94499,"sentiment":"neutral","sentiment_score":0.10678412358869206},{"text":"I know where everything fits from that 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will you sorry.","start":257.14,"end":258.58002,"sentiment":"neutral","sentiment_score":-0.000815289095044136}],"sentiment":"neutral","sentiment_score":0.003862534090876579,"channel":0,"num_words":5,"start":254.665,"end":258.58002},{"sentences":[{"text":"But","start":258.53,"end":258.85,"sentiment":"neutral","sentiment_score":-0.02280331403017044}],"sentiment":"neutral","sentiment_score":-0.02280331403017044,"channel":1,"num_words":1,"start":258.53,"end":258.85},{"sentences":[{"text":"Bollish or bring","start":258.58002,"end":259.7,"sentiment":"neutral","sentiment_score":-0.011219103510181109}],"sentiment":"neutral","sentiment_score":-0.011219103510181109,"channel":0,"num_words":3,"start":258.58002,"end":259.7},{"sentences":[{"text":"yeah.","start":259.57,"end":260.07,"sentiment":"neutral","sentiment_score":0.001146135851740837},{"text":"So the 50 but currently, I think this morning, it was 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super.","start":279.05,"end":285.15,"sentiment":"neutral","sentiment_score":0.02435288392007351}],"sentiment":"neutral","sentiment_score":0.02435288392007351,"channel":1,"num_words":15,"start":279.05,"end":285.15},{"sentences":[{"text":"Okay.","start":286.41,"end":286.91,"sentiment":"neutral","sentiment_score":0.009145822376012802},{"text":"No.","start":286.97,"end":287.13,"sentiment":"neutral","sentiment_score":-0.02055137045681477},{"text":"That's okay.","start":287.13,"end":287.85,"sentiment":"neutral","sentiment_score":-0.004589774878695606},{"text":"Alright.","start":287.85,"end":288.25,"sentiment":"neutral","sentiment_score":0.14919167757034302},{"text":"Cool.","start":288.25,"end":288.65,"sentiment":"neutral","sentiment_score":0.22763103246688843}],"sentiment":"neutral","sentiment_score":0.059372935366506376,"channel":0,"num_words":6,"start":286.41,"end":288.65},{"sentences":[{"text":"I'll I'll have a look at it, and I'll pull up the BGT tax commissions, and I will let you know.","start":288.65,"end":298.27,"sentiment":"neutral","sentiment_score":0.13981524464629946}],"sentiment":"neutral","sentiment_score":0.13981524464629946,"channel":0,"num_words":21,"start":288.65,"end":298.27},{"sentences":[{"text":"Okay.","start":298.895,"end":299.395,"sentiment":"neutral","sentiment_score":0.12538233399391174},{"text":"Thank","start":301.28,"end":301.52,"sentiment":"neutral","sentiment_score":0.25010526180267334}],"sentiment":"neutral","sentiment_score":0.18774379789829254,"channel":1,"num_words":2,"start":298.895,"end":301.52},{"sentences":[{"text":"Oh,","start":301.395,"end":301.79498,"sentiment":"neutral","sentiment_score":0.19879010319709775}],"sentiment":"neutral","sentiment_score":0.19879010319709775,"channel":0,"num_words":1,"start":301.395,"end":301.79498},{"sentences":[{"text":"you.","start":301.52,"end":302.02,"sentiment":"neutral","sentiment_score":0.1873866021633148}],"sentiment":"neutral","sentiment_score":0.1873866021633148,"channel":1,"num_words":1,"start":301.52,"end":302.02},{"sentences":[{"text":"alright.","start":301.79498,"end":302.29498,"sentiment":"neutral","sentiment_score":0.1520576924085617},{"text":"No.","start":302.59497,"end":302.995,"sentiment":"neutral","sentiment_score":0.14040209352970123},{"text":"Absolutely.","start":302.995,"end":303.495,"sentiment":"neutral","sentiment_score":0.2732633948326111},{"text":"Thanks for taking my call and bearing with the insight.","start":303.63498,"end":306.775,"sentiment":"positive","sentiment_score":0.43701139390468596}],"sentiment":"positive","sentiment_score":0.379679778447518,"channel":0,"num_words":13,"start":301.79498,"end":306.775},{"sentences":[{"text":"Okay.","start":310.4,"end":310.9,"sentiment":"neutral","sentiment_score":0.3078896999359131}],"sentiment":"neutral","sentiment_score":0.3078896999359131,"channel":1,"num_words":1,"start":310.4,"end":310.9},{"sentences":[{"text":"Amazing.","start":310.435,"end":310.91498,"sentiment":"positive","sentiment_score":0.46255695819854736},{"text":"I'll talk to you later this 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representative from o two Financial named Lisa calls a customer named Richard to follow up on his questions regarding a joint account and a non 235ional contribution to Mercia's Super Next Financial year. Lisa expresses frustration over the lack of confirmation on legislation regarding capital gains tax and the proposed agenda. She promises to look into the matter and provide more information."},"intents":{"segments":[{"text":"Just let me know that you had a few questions that you wanted to ask. I figured I'd give you a quick call while I was on the road just to see if I could help. And then when I get back in the office later this afternoon, send you an email with any information following up. Yeah.","start_word":21,"end_word":78,"intents":[{"intent":"Ask questions","confidence_score":0.21885805},{"intent":"Get information","confidence_score":0.004655832}]},{"text":"I figured I'd give you a quick call while I was on the road just to see if I could help. And then when I get back in the office later this afternoon, send you an email with any information following up. Yeah. Yeah.","start_word":36,"end_word":79,"intents":[{"intent":"Help with account","confidence_score":0.000011466305}]},{"text":"Now we wanted to withdraw that money and make a non concessional contribution to Mercia's super next financial year. So in in from July on.","start_word":115,"end_word":139,"intents":[{"intent":"Make contribution","confidence_score":0.4025957}]},{"text":"Can you leave it with me so I can run the figures?","start_word":167,"end_word":178,"intents":[{"intent":"Run figures","confidence_score":0.2079896}]},{"text":"Well, So it's if we supposed yeah. It's supposed to come into effect as of the July 1, but it hasn't passed yet. And that's frustrating part is because, obviously, we are fourteen days away from finishing the financial year out. And at this we have no confirmation as to what, if any, implications that legislation's gonna have on the proposed Yeah. agenda.","start_word":261,"end_word":323,"intents":[{"intent":"Confirm impact on legislation","confidence_score":0.018765675}]},{"text":"So I'm sort of being inclined to whip that money out before the end of this financial year Yeah. because it's gonna come out anyway. We're gonna use it in July to make the non concessional contribution to Mercia's Super. Yeah. Hello?","start_word":344,"end_word":385,"intents":[{"intent":"Confirm financial plan","confidence_score":0.0015024778}]}]},"sentiments":{"segments":[{"text":"Hi. Richard. It's a Lisa from o two Financial. How are you doing?","start_word":0,"end_word":12,"sentiment":"neutral","sentiment_score":0.11287326365709303},{"text":"Good. Thanks. That's good.","start_word":13,"end_word":16,"sentiment":"positive","sentiment_score":0.6513121128082275},{"text":"Look, I'm the team. Just let me know that you had a few questions that you wanted to ask. I figured I'd give you a quick call while I was on the road just to see if I could help. And then when I get back in the office later this afternoon, send you an email with any information following up. Yeah. Yeah. So what was it that you were, I guess, specifically wanting to know? Okay. So we have a a a joint account in Yep. Hub Yep. 24. Yep. That's currently 350 something thousand. Yep. Yep. Now we wanted to withdraw that money and make a non concessional contribution to Mercia's super next financial year. So in in from July on. My my question is, should we withdraw that this financial year to avoid the capital gains tax increase the government has planned for us. Okay. Excellent question. Can you leave it with me so I can run the figures? I will be back in the office around midday so I can run the figures, have a look at everything, and I can give you a callback or send you an email if that's okay, just so I can obviously get my hands on all the information and run through everything that I need to. Yeah. That's Yeah. my concern my concern is that the the concessional rebate for capital gains, is that going to come into effect in next financial year? Well, So it's if we supposed yeah. It's supposed to come into effect as of the July 1, but it hasn't passed yet.","start_word":17,"end_word":283,"sentiment":"neutral","sentiment_score":0.048369310796260834},{"text":"And that's frustrating part is because, obviously, we are fourteen days away from finishing the financial year out. And at this we have no confirmation as to what, if any, implications that legislation's gonna have on the proposed Yeah.","start_word":284,"end_word":322,"sentiment":"negative","sentiment_score":-0.5008290410041809},{"text":"agenda. Yeah. Yeah.","start_word":323,"end_word":325,"sentiment":"neutral","sentiment_score":-0.25284895300865173},{"text":"So So it is so it's very bated breath really at this point. It's just frustrating.","start_word":326,"end_word":341,"sentiment":"negative","sentiment_score":-0.5619093179702759},{"text":"yeah. So I'm sort of being inclined to whip that money out before the end of this financial year Yeah. because it's gonna come out anyway. We're gonna use it in July to make the non concessional contribution to Mercia's Super. Yeah. Hello? With with both of you, just I don't have your files obviously in front of me. Are both of you working at the moment? And No. what No. No. like No. We're both on we both have cool. retired both retired. Alright. No. That's okay.","start_word":342,"end_word":429,"sentiment":"neutral","sentiment_score":0.0001605476665479893},{"text":"Amazing.","start_word":430,"end_word":430,"sentiment":"positive","sentiment_score":0.45210421085357666},{"text":"When I get back to the office, I will pull apart your files. I am very, like I'm not, you know, instantly off the top of my head, but I am aware of both of your files and where everything fits. So I know that both the super funds plus the IDPS. I know where everything fits from that perspective. So I'll just dig a little deeper, find out the information I need to find out. And you're talking you're wanting to withdraw the entire balance from the IDPS? 4 Yeah. Just the 300. I'm thinking of non concessional contribution in July Yep. of 300,000. Yep. Which will you sorry. But Bollish or bring yeah. So the 50 but currently, I think this morning, it was 51,000. $5,152,000. We'll pay that whatever tax we are we're gonna have to pay out of that and and retain the rest of that until Yep. the next financial year when I can make a non concessional contribution into my super. Okay. No. That's okay. Alright. Cool. I'll I'll have a look at it, and I'll pull up the BGT tax commissions, and I will let you know. Okay. Thank Oh, you. alright. No. Absolutely.","start_word":431,"end_word":631,"sentiment":"neutral","sentiment_score":0.06441179662942886},{"text":"Thanks for taking my call and bearing with the insight.","start_word":632,"end_word":641,"sentiment":"positive","sentiment_score":0.42701905965805054},{"text":"Okay.","start_word":642,"end_word":642,"sentiment":"neutral","sentiment_score":0.3078896999359131},{"text":"Amazing.","start_word":643,"end_word":643,"sentiment":"positive","sentiment_score":0.46255695819854736},{"text":"I'll talk to you later this afternoon. Okay?","start_word":644,"end_word":651,"sentiment":"neutral","sentiment_score":0.29669150710105896},{"text":"Thank you very much.","start_word":652,"end_word":655,"sentiment":"positive","sentiment_score":0.48040905594825745},{"text":"Not a problem, Richard.","start_word":656,"end_word":659,"sentiment":"neutral","sentiment_score":0.3227806091308594},{"text":"Have Bye. a good one.","start_word":660,"end_word":664,"sentiment":"positive","sentiment_score":0.4146624207496643},{"text":"Bye.","start_word":665,"end_word":665,"sentiment":"neutral","sentiment_score":0.10860352963209152}],"average":{"sentiment":"neutral","sentiment_score":0.023801326232843745}}}}