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Now just for you, Sean, before I do go any further, I do need to let you know the calls are being recorded, if that's okay. Perfect. And just for security purposes as well, if I could just get you to confirm full name, date of birth, and address, please. Yep. Beautiful. Now I do apologize I couldn't get your call the other day. Been flat flat out all week, but I'm glad we found a a a time now that I could give you a quick call. Mhmm. Yeah. Yep. Yes. Mhmm. Of the carry forward. Yep. Mhmm. Mhmm. Mhmm. Okay. And how come you wanted it sorry. With the $2.50 for the dev two nine three, it includes contributions. So did your accountant confirm that with you? So even if we get your income under it, it also includes contributions. So with the, div two nine three, because that is the additional tax you have to pay as a high, income earner. Now that is income plus con concessional contributions. So even if we were to put, let's say, 31,000 in as concessional contributions, you would still have to pay the d two nine three. Did your accountant explain that to you? Okay. Yes. Yes. Okay. I was just wanted to make sure because you mentioned it brings your income under $2.50 why the specific $2.50 was discussed. Mhmm. Yes. Yes. Yes. Correct. Mhmm. Mhmm. Yes. Yes and no. Yes. But because so, yes, 15% in super is correct versus 47 that you pay yourself. The the only thing additional is because the vision two nine three would apply. So in effect, because that's an additional 15%. So in effect, it would be 30% versus 47. So it's still a tax saving, but because of the division through nine three, it would basically be 30 versus 47 instead of 15 versus 47. Does that make sense? Correct. Yes. Correct. It well, yes and no. So it is any amount over $2.50. So anything exceeding 250, now that includes income as well as any additional contributions. So that includes employer contributions and any additional contributions that you make yourself. Correct. And, normally, it doesn't. Yes. Correct. Yes. Mhmm. Yes. Yes. Correct. Yes. Yes. Well, I can you're you're still saving. Yeah. So it's still a tax saving for sure. What I can do is so I can do the math for you and send it to you in an email if that would be helpful as along with how you do it. So I can sorry. Okay. So you said your income is 280 thousand, and then that is plus 12% contributions from your employer, but they only pay up to the concessional contribution cap. Correct? They only pay the 30,000. Yes. And I think they confirmed 30. Okay. Because if it is 280,000, 12% of that is 33,600. I think it was Whitlam because he did forward that to me. And he said that they kind of stopped at they stopped at 30 for the year, which is very common for employers. And when you do split it on a I think it was, like, a quarterly or monthly, it kind of evened out. Yes. So yes. Yes. Yes. Okay. So if I work with income of $2.80 plus the 30,000 from your employer, and then if you I think because if it's per quarter, 7,500 times four is 30. Mhmm. Around that. Okay. So if I work with income of $2.80, 30,000 from your employer, so what they have to give you, and then you wanting to use your carry forward concessional contribution of 31,000. Is that what you said? Yeah. And how come you wanted the $2.50? Was that any specific reason? Okay. Okay. Perfect. Okay. All good. I'll just for you, 31 now. As long as you have confirmed that you do have that cap space, that's the only thing. But if you have confirmed with the accountant that you have it, that's perfect. If I work with 30 one okay. Great. Perfect. You can also I mean, if your account's checked it for perfect, you can also at any point, it's up yourself. It's on myGov if you ever do wanna go and check it. So if I work with 31,000 carry forward, I can pop that in an email for you to just show you how that would change tax wise just so you have it. And then, obviously, if you decide to do things differently, up to you. But then at least you can kind of see the the calculation. Now if you do earn any additional income or anything like that, that might change it a little bit. But at least if I work on this, it's a bit of a a bit of a a thing for you, and then I'll also include how you can make it in the email. Yes. So there is there is a form that we I'll get the team through set for you. So, basically, you would put it in, and then we would help you claim an NOI. So that was basically, like, changing it from after tax to pretax. So we would we would we would do that. Yep. Okay. Perfect. Correct. To 30. Yes. Correct. Yes. So it will still save your tax. Normally, you would save a little bit more, but because of this $2.09 3 you're still saving tax, though. So because you are in such a high income earner, which is fantastic, but, unfortunately, you just have to pay additional tax for it, which kinda sucks. You still save tax. So you do. So I'll pop this in an email for you. Yeah. Of course. No. Yes. Yes. Perfect. And, yeah, I would suggest doing it. Not wait till the last week because they they do tend to be really busy and I don't want yep. Perfect. Okay. Amazing. That is perfect. Now yep. One point six five. No. It would it would just be, obviously, the platform fees. So, obviously, because your administration fee and investment fees are based on a balance, but there's no additional fees aside from from those. No. Yep. Does that all make sense? Yes. Yep. Alright. Perfect. Now I will try my best to have this email through you today, but I am pretty booked out till 08:00 tonight. Yeah. Okay. Perfect. I will try my best to have it as soon as I can to you, though. Perfect. Mhmm. Mhmm. Yep. Mhmm. Yes. Yep. Yep. We can do that. Overall. Yes. Yes. Yes. Mhmm. Yes. Yeah. Perfect. Do you want me to in the email when I send you, do you wanna just respond when you are available, or would you like me to book in a time now in a couple of weeks to talk about it? Or do you wanna call up the office when you're ready to talk about it and they'll book in an appointment? Okay. Let me have a look. Yep. Alright. Perfect. Tuesdays. Alright. Let me see here. Tuesdays are probably best. Do you prefer morning or afternoons? Good morning? Okay. Perfect. Now I could do I could do either 08:30 or no. That's okay. No. That's okay. Otherwise, I could do about 01:00. Would that be okay? 01:00. Okay. Well, I will book that in on Tuesday, June 9 at 01:00. If anything does change, just let us know, and we can yeah. Perfect. Otherwise, that's booked in. Keep an eye out for my email. And if there's anything else you need, just let me know. No problem at all. We'll speak soon. Okay. 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afternoon. Is this? This is Veronica from OQ Financial. How are you? Good.\n\nThanks. I had you booked in for a little bit of a catch up. You got a couple of minutes for me? Yes. Perfect.\n\nNow just for you, Sean, before I do go any further, I do need to let you know the calls are being recorded, if that's okay. Perfect. And just for security purposes as well, if I could just get you to confirm full name, date of birth, and address, please. Yep. Beautiful.\n\nNow I do apologize I couldn't get your call the other day. Been flat flat out all week, but I'm glad we found a a a time now that I could give you a quick call. Mhmm. Yeah. Yep.\n\nYes. Mhmm. Of the carry forward. Yep. Mhmm.\n\nMhmm. Mhmm. Okay. And how come you wanted it sorry. With the $2.50 for the dev two nine three, it includes contributions.\n\nSo did your accountant confirm that with you? So even if we get your income under it, it also includes contributions. So with the, div two nine three, because that is the additional tax you have to pay as a high, income earner. Now that is income plus con concessional contributions. So even if we were to put, let's say, 31,000 in as concessional contributions, you would still have to pay the d two nine three.\n\nDid your accountant explain that to you? Okay. Yes. Yes. Okay.\n\nI was just wanted to make sure because you mentioned it brings your income under $2.50 why the specific $2.50 was discussed. Mhmm. Yes. Yes. Yes.\n\nCorrect. Mhmm. Mhmm. Yes. Yes and no.\n\nYes. But because so, yes, 15% in super is correct versus 47 that you pay yourself. The the only thing additional is because the vision two nine three would apply. So in effect, because that's an additional 15%. So in effect, it would be 30% versus 47.\n\nSo it's still a tax saving, but because of the division through nine three, it would basically be 30 versus 47 instead of 15 versus 47. Does that make sense? Correct. Yes. Correct.\n\nIt well, yes and no. So it is any amount over $2.50. So anything exceeding 250, now that includes income as well as any additional contributions. So that includes employer contributions and any additional contributions that you make yourself. Correct.\n\nAnd, normally, it doesn't. Yes. Correct. Yes. Mhmm.\n\nYes. Yes. Correct. Yes. Yes.\n\nWell, I can you're you're still saving. Yeah. So it's still a tax saving for sure. What I can do is so I can do the math for you and send it to you in an email if that would be helpful as along with how you do it. So I can sorry.\n\nOkay. So you said your income is 280 thousand, and then that is plus 12% contributions from your employer, but they only pay up to the concessional contribution cap. Correct? They only pay the 30,000. Yes.\n\nAnd I think they confirmed 30. Okay. Because if it is 280,000, 12% of that is 33,600. I think it was Whitlam because he did forward that to me. And he said that they kind of stopped at they stopped at 30 for the year, which is very common for employers.\n\nAnd when you do split it on a I think it was, like, a quarterly or monthly, it kind of evened out. Yes. So yes. Yes. Yes.\n\nOkay. So if I work with income of $2.80 plus the 30,000 from your employer, and then if you I think because if it's per quarter, 7,500 times four is 30. Mhmm. Around that. Okay.\n\nSo if I work with income of $2.80, 30,000 from your employer, so what they have to give you, and then you wanting to use your carry forward concessional contribution of 31,000. Is that what you said? Yeah. And how come you wanted the $2.50? Was that any specific reason?\n\nOkay. Okay. Perfect. Okay. All good.\n\nI'll just for you, 31 now. As long as you have confirmed that you do have that cap space, that's the only thing. But if you have confirmed with the accountant that you have it, that's perfect. If I work with 30 one okay. Great.\n\nPerfect. You can also I mean, if your account's checked it for perfect, you can also at any point, it's up yourself. It's on myGov if you ever do wanna go and check it. So if I work with 31,000 carry forward, I can pop that in an email for you to just show you how that would change tax wise just so you have it. And then, obviously, if you decide to do things differently, up to you.\n\nBut then at least you can kind of see the the calculation. Now if you do earn any additional income or anything like that, that might change it a little bit. But at least if I work on this, it's a bit of a a bit of a a thing for you, and then I'll also include how you can make it in the email. Yes. So there is there is a form that we I'll get the team through set for you.\n\nSo, basically, you would put it in, and then we would help you claim an NOI. So that was basically, like, changing it from after tax to pretax. So we would we would we would do that. Yep. Okay.\n\nPerfect. Correct. To 30. Yes. Correct.\n\nYes. So it will still save your tax. Normally, you would save a little bit more, but because of this $2.09 3 you're still saving tax, though. So because you are in such a high income earner, which is fantastic, but, unfortunately, you just have to pay additional tax for it, which kinda sucks. You still save tax.\n\nSo you do. So I'll pop this in an email for you. Yeah. Of course. No.\n\nYes. Yes. Perfect. And, yeah, I would suggest doing it. Not wait till the last week because they they do tend to be really busy and I don't want yep.\n\nPerfect. Okay. Amazing. That is perfect. Now yep.\n\nOne point six five. No. It would it would just be, obviously, the platform fees. So, obviously, because your administration fee and investment fees are based on a balance, but there's no additional fees aside from from those. No.\n\nYep. Does that all make sense? Yes. Yep. Alright.\n\nPerfect. Now I will try my best to have this email through you today, but I am pretty booked out till 08:00 tonight. Yeah. Okay. Perfect.\n\nI will try my best to have it as soon as I can to you, though. Perfect. Mhmm. Mhmm. Yep.\n\nMhmm. Yes. Yep. Yep. We can do that.\n\nOverall. Yes. Yes. Yes. Mhmm.\n\nYes. Yeah. Perfect. Do you want me to in the email when I send you, do you wanna just respond when you are available, or would you like me to book in a time now in a couple of weeks to talk about it? Or do you wanna call up the office when you're ready to talk about it and they'll book in an appointment?\n\nOkay. Let me have a look. Yep. Alright. Perfect.\n\nTuesdays. Alright. Let me see here. Tuesdays are probably best. Do you prefer morning or afternoons?\n\nGood morning? Okay. Perfect. Now I could do I could do either 08:30 or no. That's okay.\n\nNo. That's okay. Otherwise, I could do about 01:00. Would that be okay? 01:00.\n\nOkay. Well, I will book that in on Tuesday, June 9 at 01:00. If anything does change, just let us know, and we can yeah. Perfect. Otherwise, that's booked in.\n\nKeep an eye out for my email. And if there's anything else you need, just let me know. No problem at all. We'll speak soon. Okay.\n\nBye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":2.32,"end":3.04,"sentiment":"neutral","sentiment_score":0.27984941005706787},{"text":"Is this?","start":3.04,"end":3.6999998,"sentiment":"neutral","sentiment_score":0.20818988233804703},{"text":"This is Veronica from OQ Financial.","start":5.52,"end":7.7,"sentiment":"neutral","sentiment_score":0.1999782770872116},{"text":"How are you?","start":7.8399997,"end":8.66,"sentiment":"neutral","sentiment_score":0.21159963806470236},{"text":"Good.","start":10.639999,"end":11.12,"sentiment":"positive","sentiment_score":0.5139991044998169}],"sentiment":"neutral","sentiment_score":0.2374818761433874,"num_words":14,"start":2.32,"end":11.12},{"sentences":[{"text":"Thanks.","start":11.12,"end":11.62,"sentiment":"positive","sentiment_score":0.5824308395385742},{"text":"I had you booked in for a little bit of a catch up.","start":12.485,"end":14.565,"sentiment":"neutral","sentiment_score":0.193269370840146},{"text":"You got a couple of minutes for me?","start":14.565,"end":16.505,"sentiment":"neutral","sentiment_score":0.10872201900929213},{"text":"Yes.","start":17.605,"end":18.105,"sentiment":"neutral","sentiment_score":0.22399479150772095},{"text":"Perfect.","start":18.244999,"end":18.744999,"sentiment":"positive","sentiment_score":0.47934043407440186}],"sentiment":"neutral","sentiment_score":0.19450183492153883,"num_words":24,"start":11.12,"end":18.744999},{"sentences":[{"text":"Now just for you, Sean, before I do go any further, I do need to let you know the calls are being recorded, if that's okay.","start":19.365,"end":25.544998,"sentiment":"neutral","sentiment_score":0.11473186400074226},{"text":"Perfect.","start":27.56,"end":28.06,"sentiment":"positive","sentiment_score":0.5213622450828552},{"text":"And just for security purposes as well, if I could just get you to confirm full name, date of birth, and address, please.","start":28.199999,"end":33.82,"sentiment":"neutral","sentiment_score":0.17687919023244278},{"text":"Yep.","start":41.655,"end":42.155,"sentiment":"neutral","sentiment_score":0.17497847974300385},{"text":"Beautiful.","start":42.535,"end":43.035,"sentiment":"positive","sentiment_score":0.47267287969589233}],"sentiment":"neutral","sentiment_score":0.15808198930552372,"num_words":52,"start":19.365,"end":43.035},{"sentences":[{"text":"Now I do apologize I couldn't get your call the other day.","start":43.335,"end":46.475,"sentiment":"neutral","sentiment_score":-0.05249878950417042},{"text":"Been flat flat out all week, but I'm glad we found a a a time now that I could give you a quick call.","start":46.934998,"end":52.68,"sentiment":"neutral","sentiment_score":0.3166984251389901},{"text":"Mhmm.","start":73.655,"end":73.895,"sentiment":"neutral","sentiment_score":0.011890729889273643},{"text":"Yeah.","start":73.895,"end":74.395,"sentiment":"neutral","sentiment_score":0.040494535118341446},{"text":"Yep.","start":74.695,"end":75.195,"sentiment":"neutral","sentiment_score":0.02738880179822445}],"sentiment":"neutral","sentiment_score":0.18078335374593735,"num_words":39,"start":43.335,"end":75.195},{"sentences":[{"text":"Yes.","start":83.27,"end":83.77,"sentiment":"neutral","sentiment_score":0.03516035154461861},{"text":"Mhmm.","start":89.924995,"end":90.424995,"sentiment":"neutral","sentiment_score":0.01614651270210743},{"text":"Of the carry forward.","start":90.645,"end":91.865,"sentiment":"neutral","sentiment_score":0.01049223868176341},{"text":"Yep.","start":92.005,"end":92.505,"sentiment":"neutral","sentiment_score":0.032426394522190094},{"text":"Mhmm.","start":98.565,"end":99.065,"sentiment":"neutral","sentiment_score":0.03492976725101471}],"sentiment":"neutral","sentiment_score":0.02007899759337306,"num_words":8,"start":83.27,"end":99.065},{"sentences":[{"text":"Mhmm.","start":103.78,"end":104.28,"sentiment":"neutral","sentiment_score":0.05578899383544922},{"text":"Mhmm.","start":108.74,"end":109.24,"sentiment":"neutral","sentiment_score":0.02173752523958683},{"text":"Okay.","start":116.755,"end":117.255,"sentiment":"neutral","sentiment_score":-0.01027581375092268},{"text":"And how come you wanted it sorry.","start":117.475,"end":120.215,"sentiment":"neutral","sentiment_score":-0.061474804899522235},{"text":"With the $2.50 for the dev two nine three, it includes contributions.","start":120.755,"end":129.24,"sentiment":"neutral","sentiment_score":-0.03337471311291059}],"sentiment":"neutral","sentiment_score":-0.03470770392397588,"num_words":22,"start":103.78,"end":129.24},{"sentences":[{"text":"So did your accountant confirm that with you?","start":129.86,"end":131.94,"sentiment":"neutral","sentiment_score":0.0005446672439575195},{"text":"So even if we get your income under it, it also includes contributions.","start":131.94,"end":137.64,"sentiment":"neutral","sentiment_score":-0.021943529781240683},{"text":"So with the, div two nine three, because that is the additional tax you have to pay as a high, income earner.","start":144.275,"end":152.855,"sentiment":"neutral","sentiment_score":-0.006093918007205833},{"text":"Now that is income plus con concessional contributions.","start":153.635,"end":159.49,"sentiment":"neutral","sentiment_score":0.02290304028429091},{"text":"So even if we were to put, let's say, 31,000 in as concessional contributions, you would still have to pay the d two nine three.","start":159.87001,"end":170.165,"sentiment":"neutral","sentiment_score":-0.002505775988101959}],"sentiment":"neutral","sentiment_score":-0.0038736160893581414,"num_words":76,"start":129.86,"end":170.165},{"sentences":[{"text":"Did your accountant explain that to you?","start":170.165,"end":172.265,"sentiment":"neutral","sentiment_score":-0.0037899911403656006},{"text":"Okay.","start":176.485,"end":176.985,"sentiment":"neutral","sentiment_score":0.007429871708154678},{"text":"Yes.","start":186.81999,"end":187.29999,"sentiment":"neutral","sentiment_score":0.0781664326786995},{"text":"Yes.","start":187.29999,"end":187.79999,"sentiment":"neutral","sentiment_score":0.08843328058719635},{"text":"Okay.","start":187.93999,"end":188.43999,"sentiment":"neutral","sentiment_score":0.08329083025455475}],"sentiment":"neutral","sentiment_score":0.02098095247691328,"num_words":11,"start":170.165,"end":188.43999},{"sentences":[{"text":"I was just wanted to make sure because you mentioned it brings your income under $2.50 why the specific $2.50 was discussed.","start":188.5,"end":197.295,"sentiment":"neutral","sentiment_score":0.07901629246771336},{"text":"Mhmm.","start":212.20999,"end":212.70999,"sentiment":"neutral","sentiment_score":0.01888304203748703},{"text":"Yes.","start":222.165,"end":222.665,"sentiment":"neutral","sentiment_score":0.054526954889297485},{"text":"Yes.","start":222.965,"end":223.465,"sentiment":"neutral","sentiment_score":0.045027345418930054},{"text":"Yes.","start":230.805,"end":230.885,"sentiment":"neutral","sentiment_score":0.08184805512428284}],"sentiment":"neutral","sentiment_score":0.07456322429844967,"num_words":26,"start":188.5,"end":230.885},{"sentences":[{"text":"Correct.","start":230.885,"end":231.385,"sentiment":"neutral","sentiment_score":0.09737400710582732},{"text":"Mhmm.","start":236.72,"end":237.22,"sentiment":"neutral","sentiment_score":0.06170284003019333},{"text":"Mhmm.","start":240.72,"end":241.22,"sentiment":"neutral","sentiment_score":0.0331791490316391},{"text":"Yes.","start":242.16,"end":242.66,"sentiment":"neutral","sentiment_score":0.0836491584777832},{"text":"Yes and no.","start":259.99002,"end":260.97,"sentiment":"neutral","sentiment_score":0.01587373266617457}],"sentiment":"neutral","sentiment_score":0.04621805037770953,"num_words":7,"start":230.885,"end":260.97},{"sentences":[{"text":"Yes.","start":261.43002,"end":261.93002,"sentiment":"neutral","sentiment_score":0.08716493844985962},{"text":"But because so, yes, 15% in super is correct versus 47 that you pay yourself.","start":262.07,"end":269.21002,"sentiment":"neutral","sentiment_score":0.07206851417819658},{"text":"The the only thing additional is because the vision two nine three would apply.","start":270.305,"end":276.56497,"sentiment":"neutral","sentiment_score":0.05284904821642807},{"text":"So in effect, because that's an additional 15%.","start":277.10498,"end":280.305,"sentiment":"neutral","sentiment_score":0.08720837347209454},{"text":"So in effect, it would be 30% versus 47.","start":280.305,"end":285.47,"sentiment":"neutral","sentiment_score":0.142744613190492}],"sentiment":"neutral","sentiment_score":0.08277548580093587,"num_words":47,"start":261.43002,"end":285.47},{"sentences":[{"text":"So it's still a tax saving, but because of the division through nine three, it would basically be 30 versus 47 instead of 15 versus 47.","start":285.53,"end":296.66998,"sentiment":"neutral","sentiment_score":0.07667304303210515},{"text":"Does that make sense?","start":297.055,"end":298.115,"sentiment":"neutral","sentiment_score":0.07199865952134132},{"text":"Correct.","start":304.25497,"end":304.75497,"sentiment":"neutral","sentiment_score":0.0438401997089386},{"text":"Yes.","start":304.815,"end":305.315,"sentiment":"neutral","sentiment_score":0.0764380544424057},{"text":"Correct.","start":312.03,"end":312.53,"sentiment":"neutral","sentiment_score":0.07683023065328598}],"sentiment":"neutral","sentiment_score":0.07510915884014333,"num_words":33,"start":285.53,"end":312.53},{"sentences":[{"text":"It well, yes and no.","start":312.67,"end":314.67,"sentiment":"neutral","sentiment_score":0.10233628004789352},{"text":"So it is any amount over $2.50.","start":314.67,"end":318.93,"sentiment":"neutral","sentiment_score":0.05971747636795044},{"text":"So anything exceeding 250, now that includes income as well as any additional contributions.","start":319.47,"end":327.185,"sentiment":"neutral","sentiment_score":0.05597217407609735},{"text":"So that includes employer contributions and any additional contributions that you make yourself.","start":327.805,"end":333.185,"sentiment":"neutral","sentiment_score":0.044654472086292044},{"text":"Correct.","start":341.93,"end":342.43,"sentiment":"neutral","sentiment_score":0.015201692469418049}],"sentiment":"neutral","sentiment_score":0.05772560003679246,"num_words":40,"start":312.67,"end":342.43},{"sentences":[{"text":"And, normally, it doesn't.","start":342.73,"end":343.95,"sentiment":"neutral","sentiment_score":-0.04329191707074642},{"text":"Yes.","start":344.01,"end":344.51,"sentiment":"neutral","sentiment_score":0.017599990591406822},{"text":"Correct.","start":359.64,"end":360.14,"sentiment":"neutral","sentiment_score":0.030705798417329788},{"text":"Yes.","start":360.76,"end":361.26,"sentiment":"neutral","sentiment_score":0.03933770954608917},{"text":"Mhmm.","start":366.28,"end":366.78,"sentiment":"neutral","sentiment_score":-0.025348318740725517}],"sentiment":"neutral","sentiment_score":-0.013859061058610678,"num_words":8,"start":342.73,"end":366.78},{"sentences":[{"text":"Yes.","start":367.64,"end":368.14,"sentiment":"neutral","sentiment_score":0.04666559398174286},{"text":"Yes.","start":372.53497,"end":373.03497,"sentiment":"neutral","sentiment_score":0.063582643866539},{"text":"Correct.","start":377.25497,"end":377.75497,"sentiment":"neutral","sentiment_score":0.05081363767385483},{"text":"Yes.","start":380.53497,"end":381.03497,"sentiment":"neutral","sentiment_score":0.08091782033443451},{"text":"Yes.","start":381.09497,"end":381.59497,"sentiment":"neutral","sentiment_score":0.11501482129096983}],"sentiment":"neutral","sentiment_score":0.0713989034295082,"num_words":5,"start":367.64,"end":381.59497},{"sentences":[{"text":"Well, I can you're you're still saving.","start":389.4,"end":394.91998,"sentiment":"neutral","sentiment_score":0.17492280048983438},{"text":"Yeah.","start":394.91998,"end":395.16,"sentiment":"neutral","sentiment_score":0.15608006715774536},{"text":"So it's still a tax saving for sure.","start":395.16,"end":398.53998,"sentiment":"neutral","sentiment_score":0.22958939522504807},{"text":"What I can do is so I can do the math for you and send it to you in an email if that would be helpful as along with how you do it.","start":398.655,"end":409.955,"sentiment":"neutral","sentiment_score":0.18894462716398816},{"text":"So I can sorry.","start":410.335,"end":412.21,"sentiment":"neutral","sentiment_score":-0.06931731197983027}],"sentiment":"neutral","sentiment_score":0.17311619397885394,"num_words":53,"start":389.4,"end":412.21},{"sentences":[{"text":"Okay.","start":412.21,"end":412.61,"sentiment":"neutral","sentiment_score":-0.016959993168711662},{"text":"So you said your income is 280 thousand, and then that is plus 12% contributions from your employer, but they only pay up to the concessional contribution cap.","start":412.61,"end":427.555,"sentiment":"neutral","sentiment_score":-0.005824133886822632},{"text":"Correct?","start":427.555,"end":427.95502,"sentiment":"neutral","sentiment_score":-0.008385272696614265},{"text":"They only pay the 30,000.","start":427.95502,"end":429.815,"sentiment":"neutral","sentiment_score":-0.04184154672548175},{"text":"Yes.","start":437.00998,"end":437.33,"sentiment":"neutral","sentiment_score":0.051828548312187195}],"sentiment":"neutral","sentiment_score":-0.009605561111432811,"num_words":36,"start":412.21,"end":437.33},{"sentences":[{"text":"And I think they confirmed 30.","start":437.33,"end":439.59,"sentiment":"neutral","sentiment_score":-0.05226200105001529},{"text":"Okay.","start":444.05,"end":444.44998,"sentiment":"neutral","sentiment_score":0.038900602608919144},{"text":"Because if it is 280,000, 12% of that is 33,600.","start":444.44998,"end":453.145,"sentiment":"neutral","sentiment_score":0.026656858809292316},{"text":"I think it was Whitlam because he did forward that to me.","start":461.14,"end":463.7,"sentiment":"neutral","sentiment_score":0.0014789428872366752},{"text":"And he said that they kind of stopped at they stopped at 30 for the year, which is very common for employers.","start":463.7,"end":470.98,"sentiment":"neutral","sentiment_score":-0.0617001157423312}],"sentiment":"neutral","sentiment_score":-0.026426628378092076,"num_words":51,"start":437.33,"end":470.98},{"sentences":[{"text":"And when you do split it on a I think it was, like, a quarterly or monthly, it kind of evened out.","start":470.98,"end":476.34,"sentiment":"neutral","sentiment_score":-0.015937822955575855},{"text":"Yes.","start":476.34,"end":476.84,"sentiment":"neutral","sentiment_score":0.05716213583946228},{"text":"So yes.","start":477.13498,"end":477.79498,"sentiment":"neutral","sentiment_score":0.04510030150413513},{"text":"Yes.","start":479.935,"end":480.41498,"sentiment":"neutral","sentiment_score":0.00435101892799139},{"text":"Yes.","start":480.41498,"end":480.91498,"sentiment":"neutral","sentiment_score":-0.02274021878838539}],"sentiment":"neutral","sentiment_score":-0.008209576519827047,"num_words":27,"start":470.98,"end":480.91498},{"sentences":[{"text":"Okay.","start":481.13498,"end":481.63498,"sentiment":"neutral","sentiment_score":-0.027842750772833824},{"text":"So if I work with income of $2.80 plus the 30,000 from your employer, and then if you I think because if it's per quarter, 7,500 times four is 30.","start":483.775,"end":504.905,"sentiment":"neutral","sentiment_score":-0.026397021704663834},{"text":"Mhmm.","start":510.085,"end":510.585,"sentiment":"neutral","sentiment_score":-0.005320992786437273},{"text":"Around that.","start":512.245,"end":513.145,"sentiment":"neutral","sentiment_score":-0.005332127213478088},{"text":"Okay.","start":513.365,"end":513.865,"sentiment":"neutral","sentiment_score":0.01429004967212677}],"sentiment":"neutral","sentiment_score":-0.02346995998440044,"num_words":35,"start":481.13498,"end":513.865},{"sentences":[{"text":"So if I work with income of $2.80, 30,000 from your employer, so what they have to give you, and then you wanting to use your carry forward concessional contribution of 31,000.","start":514.485,"end":527.5,"sentiment":"neutral","sentiment_score":-0.0037451793323270977},{"text":"Is that what you said?","start":527.5,"end":528.64,"sentiment":"neutral","sentiment_score":-0.007169399596750736},{"text":"Yeah.","start":532.955,"end":533.455,"sentiment":"neutral","sentiment_score":0.010440285317599772},{"text":"And how come you wanted the $2.50?","start":537.115,"end":539.115,"sentiment":"neutral","sentiment_score":-0.029361847255911146},{"text":"Was that any specific reason?","start":539.115,"end":540.655,"sentiment":"neutral","sentiment_score":-0.040579020977020264}],"sentiment":"neutral","sentiment_score":-0.011073609739542007,"num_words":50,"start":514.485,"end":540.655},{"sentences":[{"text":"Okay.","start":542.01,"end":542.51,"sentiment":"neutral","sentiment_score":-0.2169840931892395},{"text":"Okay.","start":543.37006,"end":543.77,"sentiment":"neutral","sentiment_score":0.005446434020996094},{"text":"Perfect.","start":543.77,"end":544.27,"sentiment":"neutral","sentiment_score":0.2347247898578644},{"text":"Okay.","start":548.01,"end":548.49005,"sentiment":"neutral","sentiment_score":0.12821808457374573},{"text":"All good.","start":548.49005,"end":549.21,"sentiment":"positive","sentiment_score":0.3551268130540848}],"sentiment":"neutral","sentiment_score":0.14360980689525604,"num_words":6,"start":542.01,"end":549.21},{"sentences":[{"text":"I'll just for you, 31 now.","start":549.21,"end":551.23004,"sentiment":"neutral","sentiment_score":0.1538041771079103},{"text":"As long as you have confirmed that you do have that cap space, that's the only thing.","start":551.45,"end":555.515,"sentiment":"neutral","sentiment_score":0.19251893986673915},{"text":"But if you have confirmed with the accountant that you have it, that's perfect.","start":555.515,"end":558.65497,"sentiment":"positive","sentiment_score":0.42673790029117037},{"text":"If I work with 30 one okay.","start":559.115,"end":563.675,"sentiment":"neutral","sentiment_score":0.1665867833154542},{"text":"Great.","start":563.675,"end":563.995,"sentiment":"positive","sentiment_score":0.7726339101791382}],"sentiment":"neutral","sentiment_score":0.26908264528546066,"num_words":45,"start":549.21,"end":563.995},{"sentences":[{"text":"Perfect.","start":563.995,"end":564.495,"sentiment":"positive","sentiment_score":0.7229512929916382},{"text":"You can also I mean, if your account's checked it for perfect, you can also at any point, it's up yourself.","start":565.035,"end":570.31,"sentiment":"positive","sentiment_score":0.4037605240231469},{"text":"It's on myGov if you ever do wanna go and check it.","start":570.45,"end":573.58997,"sentiment":"neutral","sentiment_score":0.25888897230227786},{"text":"So if I work with 31,000 carry forward, I can pop that in an email for you to just show you how that would change tax wise just so you have it.","start":573.81,"end":585.70496,"sentiment":"neutral","sentiment_score":0.08152446139138192},{"text":"And then, obviously, if you decide to do things differently, up to you.","start":585.70496,"end":589.545,"sentiment":"neutral","sentiment_score":0.044923052191734314}],"sentiment":"neutral","sentiment_score":0.19621990390027624,"num_words":79,"start":563.995,"end":589.545},{"sentences":[{"text":"But then at least you can kind of see the the calculation.","start":589.545,"end":592.365,"sentiment":"neutral","sentiment_score":0.07352417955795924},{"text":"Now if you do earn any additional income or anything like that, that might change it a little bit.","start":593.225,"end":598.85004,"sentiment":"neutral","sentiment_score":0.04146758908111798},{"text":"But at least if I work on this, it's a bit of a a bit of a a thing for you, and then I'll also include how you can make it in the email.","start":598.85004,"end":607.59,"sentiment":"neutral","sentiment_score":0.09467842238133445},{"text":"Yes.","start":611.015,"end":611.335,"sentiment":"neutral","sentiment_score":0.07766790688037872},{"text":"So there is there is a form that we I'll get the team through set for you.","start":611.335,"end":616.475,"sentiment":"neutral","sentiment_score":0.09589813255211886}],"sentiment":"neutral","sentiment_score":0.07948405865624726,"num_words":83,"start":589.545,"end":616.475},{"sentences":[{"text":"So, basically, you would put it in, and then we would help you claim an NOI.","start":618.295,"end":622.715,"sentiment":"neutral","sentiment_score":0.07962503656744957},{"text":"So that was basically, like, changing it from after tax to pretax.","start":622.775,"end":628.02997,"sentiment":"neutral","sentiment_score":0.024247660767287016},{"text":"So we would we would we would do that.","start":628.02997,"end":630.44995,"sentiment":"neutral","sentiment_score":0.05334116477105352},{"text":"Yep.","start":630.58997,"end":630.99,"sentiment":"neutral","sentiment_score":0.14661622047424316},{"text":"Okay.","start":630.99,"end":631.38995,"sentiment":"neutral","sentiment_score":0.26155632734298706}],"sentiment":"neutral","sentiment_score":0.06290296269341922,"num_words":39,"start":618.295,"end":631.38995},{"sentences":[{"text":"Perfect.","start":631.38995,"end":631.88995,"sentiment":"positive","sentiment_score":0.4906889498233795},{"text":"Correct.","start":640.045,"end":640.445,"sentiment":"neutral","sentiment_score":0.1334192305803299},{"text":"To 30.","start":640.445,"end":641.085,"sentiment":"neutral","sentiment_score":0.07836521789431572},{"text":"Yes.","start":641.085,"end":641.585,"sentiment":"neutral","sentiment_score":0.12389539927244186},{"text":"Correct.","start":641.885,"end":642.385,"sentiment":"neutral","sentiment_score":0.17196422815322876}],"sentiment":"neutral","sentiment_score":0.17944970726966858,"num_words":6,"start":631.38995,"end":642.385},{"sentences":[{"text":"Yes.","start":642.525,"end":642.845,"sentiment":"neutral","sentiment_score":0.1562652885913849},{"text":"So it will still save your tax.","start":642.845,"end":644.545,"sentiment":"neutral","sentiment_score":0.2428592847926276},{"text":"Normally, you would save a little bit more, but because of this $2.09 3 you're still saving tax, though.","start":645.96497,"end":651.0,"sentiment":"neutral","sentiment_score":0.15212412021662058},{"text":"So because you are in such a high income earner, which is fantastic, but, unfortunately, you just have to pay additional tax for it, which kinda sucks.","start":651.0,"end":658.22003,"sentiment":"neutral","sentiment_score":-0.19309405327119208},{"text":"You still save tax.","start":658.76,"end":660.14,"sentiment":"neutral","sentiment_score":-0.2458195947110653}],"sentiment":"neutral","sentiment_score":-0.025003090532946175,"num_words":58,"start":642.525,"end":660.14},{"sentences":[{"text":"So you do.","start":660.28,"end":661.26,"sentiment":"neutral","sentiment_score":0.01716094712416331},{"text":"So I'll pop this in an email for you.","start":662.04004,"end":664.28,"sentiment":"neutral","sentiment_score":0.17878349746267},{"text":"Yeah.","start":664.28,"end":664.60004,"sentiment":"neutral","sentiment_score":0.05578664690256119},{"text":"Of 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yep.","start":675.16504,"end":681.085,"sentiment":"neutral","sentiment_score":-0.1111256754025817}],"sentiment":"neutral","sentiment_score":-0.022220349684357644,"num_words":30,"start":671.565,"end":681.085},{"sentences":[{"text":"Perfect.","start":681.085,"end":681.585,"sentiment":"neutral","sentiment_score":0.25866571068763733},{"text":"Okay.","start":683.98,"end":684.48,"sentiment":"neutral","sentiment_score":0.25271961092948914},{"text":"Amazing.","start":684.78,"end":685.28,"sentiment":"positive","sentiment_score":0.518804669380188},{"text":"That is perfect.","start":685.74,"end":686.54,"sentiment":"positive","sentiment_score":0.541012684504191},{"text":"Now yep.","start":686.54,"end":688.16003,"sentiment":"neutral","sentiment_score":0.030489442870020866}],"sentiment":"positive","sentiment_score":0.3392758662812412,"num_words":8,"start":681.085,"end":688.16003},{"sentences":[{"text":"One point six five.","start":696.315,"end":697.695,"sentiment":"neutral","sentiment_score":-0.04176848381757736},{"text":"No.","start":699.91504,"end":700.23505,"sentiment":"neutral","sentiment_score":-0.06567944586277008},{"text":"It would it would just be, obviously, the platform fees.","start":700.23505,"end":703.35504,"sentiment":"neutral","sentiment_score":-0.03751775994896889},{"text":"So, obviously, because your administration fee and investment fees are based on a balance, but there's no additional fees aside from from those.","start":703.35504,"end":714.47003,"sentiment":"neutral","sentiment_score":-0.01481883622624952},{"text":"No.","start":714.47003,"end":714.97003,"sentiment":"neutral","sentiment_score":-0.023111730813980103}],"sentiment":"neutral","sentiment_score":-0.024919896016422756,"num_words":39,"start":696.315,"end":714.97003},{"sentences":[{"text":"Yep.","start":715.99005,"end":716.49005,"sentiment":"neutral","sentiment_score":0.019109509885311127},{"text":"Does that all make 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tonight.","start":722.15,"end":729.125,"sentiment":"neutral","sentiment_score":0.018197399500588126},{"text":"Yeah.","start":730.865,"end":731.34503,"sentiment":"neutral","sentiment_score":0.02536929026246071},{"text":"Okay.","start":731.34503,"end":731.745,"sentiment":"neutral","sentiment_score":0.07790490239858627},{"text":"Perfect.","start":731.745,"end":732.065,"sentiment":"neutral","sentiment_score":0.16163887083530426}],"sentiment":"neutral","sentiment_score":0.030067228658411365,"num_words":26,"start":721.75,"end":732.065},{"sentences":[{"text":"I will try my best to have it as soon as I can to you, 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you want me to in the email when I send you, do you wanna just respond when you are available, or would you like me to book in a time now in a couple of weeks to talk about it?","start":783.155,"end":794.33,"sentiment":"neutral","sentiment_score":0.16296824794716952},{"text":"Or do you wanna call up the office when you're ready to talk about it and they'll book in an appointment?","start":794.33,"end":798.51,"sentiment":"neutral","sentiment_score":0.10702148594316982}],"sentiment":"neutral","sentiment_score":0.14839629754424094,"num_words":65,"start":778.35504,"end":798.51},{"sentences":[{"text":"Okay.","start":806.345,"end":806.665,"sentiment":"neutral","sentiment_score":0.115394726395607},{"text":"Let me have a look.","start":806.665,"end":807.885,"sentiment":"neutral","sentiment_score":0.13704803884029387},{"text":"Yep.","start":808.02496,"end":808.505,"sentiment":"neutral","sentiment_score":0.12786512076854706},{"text":"Alright.","start":808.505,"end":809.005,"sentiment":"neutral","sentiment_score":0.2432796210050583},{"text":"Perfect.","start":809.065,"end":809.565,"sentiment":"positive","sentiment_score":0.3775838017463684}],"sentiment":"neutral","sentiment_score":0.17215149601300558,"num_words":9,"start":806.345,"end":809.565},{"sentences":[{"text":"Tuesdays.","start":812.67,"end":813.17,"sentiment":"neutral","sentiment_score":0.05704087018966675},{"text":"Alright.","start":814.67,"end":814.99,"sentiment":"neutral","sentiment_score":0.0956544280052185},{"text":"Let me see here.","start":814.99,"end":816.13,"sentiment":"neutral","sentiment_score":0.09026381745934486},{"text":"Tuesdays are probably best.","start":816.75,"end":818.61,"sentiment":"neutral","sentiment_score":0.12020126730203629},{"text":"Do you prefer morning or afternoons?","start":820.03,"end":822.29,"sentiment":"neutral","sentiment_score":0.06778336875140667}],"sentiment":"neutral","sentiment_score":0.08757849060930312,"num_words":16,"start":812.67,"end":822.29},{"sentences":[{"text":"Good morning?","start":825.885,"end":826.445,"sentiment":"neutral","sentiment_score":0.2329636886715889},{"text":"Okay.","start":826.445,"end":826.765,"sentiment":"neutral","sentiment_score":0.1979985535144806},{"text":"Perfect.","start":826.765,"end":827.245,"sentiment":"neutral","sentiment_score":0.32212430238723755},{"text":"Now I could do I could do either 08:30 or no.","start":827.245,"end":841.24,"sentiment":"neutral","sentiment_score":0.05523849515752359},{"text":"That's okay.","start":841.24,"end":842.06,"sentiment":"neutral","sentiment_score":-0.04636400751769543}],"sentiment":"neutral","sentiment_score":0.08829092146719203,"num_words":17,"start":825.885,"end":842.06},{"sentences":[{"text":"No.","start":843.56,"end":843.88,"sentiment":"neutral","sentiment_score":-0.04584226757287979},{"text":"That's okay.","start":843.88,"end":844.7,"sentiment":"neutral","sentiment_score":0.00819364283233881},{"text":"Otherwise, I could do about 01:00.","start":844.76,"end":849.34,"sentiment":"neutral","sentiment_score":0.01311200795074304},{"text":"Would that be okay?","start":849.56,"end":850.7,"sentiment":"neutral","sentiment_score":0.04626314714550972},{"text":"01:00.","start":851.835,"end":852.555,"sentiment":"neutral","sentiment_score":0.04840577021241188}],"sentiment":"neutral","sentiment_score":0.02019110175647906,"num_words":14,"start":843.56,"end":852.555},{"sentences":[{"text":"Okay.","start":852.555,"end":852.875,"sentiment":"neutral","sentiment_score":0.08846473693847656},{"text":"Well, I will book that in on Tuesday, June 9 at 01:00.","start":852.875,"end":856.895,"sentiment":"neutral","sentiment_score":0.14005698077380657},{"text":"If anything does change, just let us know, and we can yeah.","start":857.355,"end":861.115,"sentiment":"neutral","sentiment_score":0.1075351107865572},{"text":"Perfect.","start":861.115,"end":861.595,"sentiment":"positive","sentiment_score":0.33581382036209106},{"text":"Otherwise, that's booked 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Yes. Hi. I'm good, Veronica. How are you? Yes. Yes. Yep. Yes. That's fine. Jaish, 09/21/1980, and address 20 Elkhorn Way, Point Cook, Victoria. Yep. No worries. So, look, the reason I called was, so my this year's gross income is gonna be around $2.80 k approximately. Right? And, obviously, I was thinking about ways to save tax on that. And, obviously, you know, not many options really. So and I checked with my accountant around the contribution cap as well, and I seem to have some 38, maybe 38,000 contribution caps in left caps in left. So I want yeah. So I wanted to sort of make some concessional contribution. So about maybe 31,000 because then that will bring my gross income to under $2.50 k as well. So, yeah, that is the reason I sort of called you to to discuss and maybe go forward on that. What does that mean? Sorry? No. But you said free time. Mhmm. Yep. He did mention that to me, and he basically said that super contribution is pretax, and I will essentially claim claim that on my tax returns. So so sorry. So my what I'm gonna so my gross income, a projected gross income is, like I said, it's gonna be in that $2.79, $2.80 k range. Right? So my understanding was if I pay this 31,000, right, so currently, I'm gonna get taxed at 47% slab, right, based on the slabs and all that if it's $2.80. Right? Now if I if I make this 31,000 contribution, that essentially brings it under $2.50 k. Right? So my understanding is that whatever slab applies up till $2.50 k, that will apply, and then there'll be 15% tax on this 31 k, Right? Which is taxed at 15% or whatever it is. Right? Yep. Yeah. Yeah. Yeah. Yeah. Got it. Got it. Yeah. So there's an additional 15% because of division two ninety three, you're saying, on top of it. Yeah. And and that is only applicable only on the 31,000. Right? Not on the employer contribution that they've already made. Right? Okay. So my $2.80 doesn't include employee contribution. I think that's over and above that. Right? Yeah. So then it's 300. Yeah. Yeah. So then it's So then it becomes 300. Yeah. So then you're saying that entire 15. Concession contribution plus the employer contribution will additionally get taxed at 15 percent. So it will even though I'm not doing concession contribution let's keep aside concession contribution for the time being. Right? It is still above two fifty k anyways. Right? So that means my super is getting taxed under division two ninety three any which ways. Whatever whatever employee is contributing right now. Right? So then, yeah, then that's fine. Then, yeah, it it definitely makes sense for me to do an additional contribution. So it could at least save me 17% or whatever on top. Right? Yeah. Yeah. Yes. Yes. Yes. They yeah. This year, I think it's gonna be I think I did email you, right, about a month ago. It's not even 30. Yeah. It's probably somewhere 25, 26, something in that range. Yeah. Yeah. They're not as far as I think I emailed, Whom did I interact with from work view? Yeah. Yes. Correct. Correct. Yeah. They they cap it at quarterly. Yes. That's what I remember. Yeah. So and then it's not even reaching yeah. Yeah. No. No. So it's not 30. Right? 7,500. Yeah. Yeah. Okay. Let's take that into assumption because it's anyways, it's gonna be around $2.50 k and above $2.50 k anyways, which is yeah. Yeah. Yeah. Yeah. Approximately. Yeah. Because it's it's gonna bring it below $2.50 k. Right? Yeah. Look. No. That was just a just a psychological thing. It doesn't really matter. It's anyways, about $190,000, it's 45% anyway. So yeah. Yeah. Okay. Yes. Yeah. Yes. I have it. I have it up till, I think, 38,000 or 40,000. Yeah. Okay. Yep. Yeah. Yeah. Yeah. I need to fill a form or something. Right? Yeah. Yes. Yeah. Yeah. Yeah. So that's what I was trying to do. Yeah. Yeah. So the bottom bottom line is it will help me save 17% on that amount. Right? From 47 to 30,000 30%. Yeah. Yeah. Okay. Yeah. Yeah. Yeah. Yeah. Okay. Okay. Okay. It will be great if you can yeah. Yeah. Yeah. And, also, if you can ask my ask your team to send me the form so that I can do it in time for end of year. Yeah. No. Correct. No. No. Absolutely. Yeah. I wanna do it by first week of June. So yeah. Absolutely. Are there any impact so, obviously, the other impact is obviously the more funds I invest, obviously, the fee at your end is 0.66%, right? So that will be the only other impact to it. Is there any other impact? Yeah. Yeah. Yeah. Okay. Alright. Yeah. Yeah. No. That makes sense. Okay. That's fine. Today, tomorrow is fine. That's okay. Yeah. Sure. Sure. I wanted one more advice from you guys. Not today, but and I don't know if if my sort of relationship with you guys covers that, but I wanted to understand a bit about sort of debt recycling as well and how to how to do that, how to best use it, and what does it really benefit in. Again, I'm looking from, you know, know, just to give you a better background, I've got a principal pays of residence, which I'm paying interest out of my pocket. So does debt recycling really help to save interest and obviously use that fund for investment purposes and on how does it all work. So maybe maybe not today, maybe when you have time in the next couple of weeks or whatever. Yeah. Just wanted to We yeah. We can do it in, like, two weeks from now. So maybe after the first week of June, if that's feasible. Tuesdays would potentially work best or Fridays? Good morning is okay. Yeah. No. That'll be a little early. Sorry. Just home duties around that time. Yeah. One should be okay. Yeah. Yep. I'll let you. Yeah. Yeah. Okay. Okay. Sure. 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Yes. Hi. I'm good, Veronica. How are you?\n\nYes. Yes. Yep. Yes. That's fine.\n\nJaish, 09/21/1980, and address 20 Elkhorn Way, Point Cook, Victoria. Yep. No worries. So, look, the reason I called was, so my this year's gross income is gonna be around $2.80 k approximately. Right?\n\nAnd, obviously, I was thinking about ways to save tax on that. And, obviously, you know, not many options really. So and I checked with my accountant around the contribution cap as well, and I seem to have some 38, maybe 38,000 contribution caps in left caps in left. So I want yeah. So I wanted to sort of make some concessional contribution.\n\nSo about maybe 31,000 because then that will bring my gross income to under $2.50 k as well. So, yeah, that is the reason I sort of called you to to discuss and maybe go forward on that. What does that mean? Sorry? No.\n\nBut you said free time. Mhmm. Yep. He did mention that to me, and he basically said that super contribution is pretax, and I will essentially claim claim that on my tax returns. So so sorry.\n\nSo my what I'm gonna so my gross income, a projected gross income is, like I said, it's gonna be in that $2.79, $2.80 k range. Right? So my understanding was if I pay this 31,000, right, so currently, I'm gonna get taxed at 47% slab, right, based on the slabs and all that if it's $2.80. Right? Now if I if I make this 31,000 contribution, that essentially brings it under $2.50 k.\n\nRight? So my understanding is that whatever slab applies up till $2.50 k, that will apply, and then there'll be 15% tax on this 31 k, Right? Which is taxed at 15% or whatever it is. Right? Yep.\n\nYeah. Yeah. Yeah. Yeah. Got it.\n\nGot it. Yeah. So there's an additional 15% because of division two ninety three, you're saying, on top of it. Yeah. And and that is only applicable only on the 31,000.\n\nRight? Not on the employer contribution that they've already made. Right? Okay. So my $2.80 doesn't include employee contribution.\n\nI think that's over and above that. Right? Yeah. So then it's 300. Yeah.\n\nYeah. So then it's So then it becomes 300. Yeah. So then you're saying that entire 15. Concession contribution plus the employer contribution will additionally get taxed at 15 percent.\n\nSo it will even though I'm not doing concession contribution let's keep aside concession contribution for the time being. Right? It is still above two fifty k anyways. Right? So that means my super is getting taxed under division two ninety three any which ways.\n\nWhatever whatever employee is contributing right now. Right? So then, yeah, then that's fine. Then, yeah, it it definitely makes sense for me to do an additional contribution. So it could at least save me 17% or whatever on top.\n\nRight? Yeah. Yeah. Yes. Yes.\n\nYes. They yeah. This year, I think it's gonna be I think I did email you, right, about a month ago. It's not even 30. Yeah.\n\nIt's probably somewhere 25, 26, something in that range. Yeah. Yeah. They're not as far as I think I emailed, Whom did I interact with from work view? Yeah.\n\nYes. Correct. Correct. Yeah. They they cap it at quarterly.\n\nYes. That's what I remember. Yeah. So and then it's not even reaching yeah. Yeah.\n\nNo. No. So it's not 30. Right? 7,500.\n\nYeah. Yeah. Okay. Let's take that into assumption because it's anyways, it's gonna be around $2.50 k and above $2.50 k anyways, which is yeah. Yeah.\n\nYeah. Yeah. Approximately. Yeah. Because it's it's gonna bring it below $2.50 k.\n\nRight? Yeah. Look. No. That was just a just a psychological thing.\n\nIt doesn't really matter. It's anyways, about $190,000, it's 45% anyway. So yeah. Yeah. Okay.\n\nYes. Yeah. Yes. I have it. I have it up till, I think, 38,000 or 40,000.\n\nYeah. Okay. Yep. Yeah. Yeah.\n\nYeah. I need to fill a form or something. Right? Yeah. Yes.\n\nYeah. Yeah. Yeah. So that's what I was trying to do. Yeah.\n\nYeah. So the bottom bottom line is it will help me save 17% on that amount. Right? From 47 to 30,000 30%. Yeah.\n\nYeah. Okay. Yeah. Yeah. Yeah.\n\nYeah. Okay. Okay. Okay. It will be great if you can yeah.\n\nYeah. Yeah. And, also, if you can ask my ask your team to send me the form so that I can do it in time for end of year. Yeah. No.\n\nCorrect. No. No. Absolutely. Yeah.\n\nI wanna do it by first week of June. So yeah. Absolutely. Are there any impact so, obviously, the other impact is obviously the more funds I invest, obviously, the fee at your end is 0.66%, right? So that will be the only other impact to it.\n\nIs there any other impact? Yeah. Yeah. Yeah. Okay.\n\nAlright. Yeah. Yeah. No. That makes sense.\n\nOkay. That's fine. Today, tomorrow is fine. That's okay. Yeah.\n\nSure. Sure. I wanted one more advice from you guys. Not today, but and I don't know if if my sort of relationship with you guys covers that, but I wanted to understand a bit about sort of debt recycling as well and how to how to do that, how to best use it, and what does it really benefit in. Again, I'm looking from, you know, know, just to give you a better background, I've got a principal pays of residence, which I'm paying interest out of my pocket.\n\nSo does debt recycling really help to save interest and obviously use that fund for investment purposes and on how does it all work. So maybe maybe not today, maybe when you have time in the next couple of weeks or whatever. Yeah. Just wanted to We yeah. We can do it in, like, two weeks from now.\n\nSo maybe after the first week of June, if that's feasible. Tuesdays would potentially work best or Fridays? Good morning is okay. Yeah. No.\n\nThat'll be a little early. Sorry. Just home duties around that time. Yeah. One should be okay.\n\nYeah. Yep. I'll let you. Yeah. Yeah.\n\nOkay. Okay. Sure. Thank you so much. Sure.\n\nThank you so much. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.76,"end":1.92,"sentiment":"neutral","sentiment_score":0.02705891989171505},{"text":"Yes.","start":1.92,"end":2.42,"sentiment":"neutral","sentiment_score":0.1216585636138916},{"text":"Hi.","start":4.88,"end":5.38,"sentiment":"neutral","sentiment_score":0.1834058314561844},{"text":"I'm good, Veronica.","start":8.639999,"end":9.599999,"sentiment":"positive","sentiment_score":0.5299944877624512},{"text":"How are you?","start":9.599999,"end":10.42,"sentiment":"positive","sentiment_score":0.4204022487004598}],"sentiment":"positive","sentiment_score":0.3537015027056138,"num_words":9,"start":1.76,"end":10.42},{"sentences":[{"text":"Yes.","start":16.835001,"end":17.235,"sentiment":"neutral","sentiment_score":0.09327013790607452},{"text":"Yes.","start":17.235,"end":17.735,"sentiment":"neutral","sentiment_score":0.11846701800823212},{"text":"Yep.","start":25.715,"end":25.955,"sentiment":"neutral","sentiment_score":0.13086706399917605},{"text":"Yes.","start":25.955,"end":26.355,"sentiment":"neutral","sentiment_score":0.19706398248672485},{"text":"That's fine.","start":26.355,"end":27.255001,"sentiment":"positive","sentiment_score":0.3431038409471512}],"sentiment":"neutral","sentiment_score":0.2043126473824183,"num_words":6,"start":16.835001,"end":27.255001},{"sentences":[{"text":"Jaish, 09/21/1980, and address 20 Elkhorn Way, Point Cook, Victoria.","start":34.79,"end":41.53,"sentiment":"neutral","sentiment_score":0.053614887222647664},{"text":"Yep.","start":48.705,"end":49.205,"sentiment":"neutral","sentiment_score":0.09992411732673644},{"text":"No worries.","start":53.345,"end":54.005,"sentiment":"neutral","sentiment_score":0.0672240350395441},{"text":"So, look, the reason I called was, so my this year's gross income is gonna be around $2.80 k approximately.","start":55.025,"end":67.15,"sentiment":"neutral","sentiment_score":0.03288702527061105},{"text":"Right?","start":67.53,"end":68.03,"sentiment":"neutral","sentiment_score":0.04184220731258392}],"sentiment":"neutral","sentiment_score":0.04323834624579724,"num_words":34,"start":34.79,"end":68.03},{"sentences":[{"text":"And, obviously, I was thinking about ways to save tax on that.","start":68.49,"end":74.165,"sentiment":"neutral","sentiment_score":0.01199383366232117},{"text":"And, obviously, you know, not many options really.","start":74.225,"end":76.965,"sentiment":"neutral","sentiment_score":-0.0025918353348970413},{"text":"So and I checked with my accountant around the contribution cap as well, and I seem to have some 38, maybe 38,000 contribution caps in left caps in left.","start":77.185,"end":89.71,"sentiment":"neutral","sentiment_score":0.019998985342681408},{"text":"So I want yeah.","start":90.17,"end":92.73,"sentiment":"neutral","sentiment_score":0.02084317011758685},{"text":"So I wanted to sort of make some concessional contribution.","start":92.73,"end":97.630005,"sentiment":"neutral","sentiment_score":0.04904135521501303}],"sentiment":"neutral","sentiment_score":0.020269017917887558,"num_words":63,"start":68.49,"end":97.630005},{"sentences":[{"text":"So about maybe 31,000 because then that will bring my gross income to under $2.50 k as well.","start":100.695,"end":108.295,"sentiment":"neutral","sentiment_score":0.0718627700375186},{"text":"So, yeah, that is the reason I sort of called you to to discuss and maybe go forward on that.","start":108.295,"end":116.5,"sentiment":"neutral","sentiment_score":0.04347588028758764},{"text":"What does that mean?","start":141.59999,"end":142.98,"sentiment":"neutral","sentiment_score":-0.05058497656136751},{"text":"Sorry?","start":143.04,"end":143.51999,"sentiment":"neutral","sentiment_score":-0.07750596106052399},{"text":"No.","start":143.51999,"end":143.76,"sentiment":"neutral","sentiment_score":-0.058200396597385406}],"sentiment":"neutral","sentiment_score":0.04147730005735701,"num_words":44,"start":100.695,"end":143.76},{"sentences":[{"text":"But you said free time.","start":143.76,"end":145.14,"sentiment":"neutral","sentiment_score":0.005222786776721478},{"text":"Mhmm.","start":153.61499,"end":154.11499,"sentiment":"neutral","sentiment_score":0.01708151400089264},{"text":"Yep.","start":167.69499,"end":168.19499,"sentiment":"neutral","sentiment_score":-0.014016571454703808},{"text":"He did mention that to me, and he basically said that super contribution is pretax, and I will essentially claim claim that on my tax returns.","start":173.35,"end":185.685,"sentiment":"neutral","sentiment_score":0.006583038251847029},{"text":"So so sorry.","start":199.37,"end":200.48999,"sentiment":"neutral","sentiment_score":-0.09374686578909557}],"sentiment":"neutral","sentiment_score":-0.0022472979552629925,"num_words":36,"start":143.76,"end":200.48999},{"sentences":[{"text":"So my what I'm gonna so my gross income, a projected gross income is, like I said, it's gonna be in that $2.79, $2.80 k range.","start":200.48999,"end":211.725,"sentiment":"neutral","sentiment_score":-0.04202699661254883},{"text":"Right?","start":212.365,"end":212.865,"sentiment":"neutral","sentiment_score":0.022468894720077515},{"text":"So my understanding was if I pay this 31,000, right, so currently, I'm gonna get taxed at 47% slab, right, based on the slabs and all that if it's $2.80.","start":217.725,"end":230.02,"sentiment":"neutral","sentiment_score":0.007834831532090903},{"text":"Right?","start":230.02,"end":230.52,"sentiment":"neutral","sentiment_score":0.039996661245822906},{"text":"Now if I if I make this 31,000 contribution, that essentially brings it under $2.50 k.","start":230.9,"end":240.2,"sentiment":"neutral","sentiment_score":0.06368861137889326}],"sentiment":"neutral","sentiment_score":0.003024680703576352,"num_words":74,"start":200.48999,"end":240.2},{"sentences":[{"text":"Right?","start":241.14,"end":241.64,"sentiment":"neutral","sentiment_score":0.05357715487480163},{"text":"So my understanding is that whatever slab applies up till $2.50 k, that will apply, and then there'll be 15% tax on this 31 k, Right?","start":242.285,"end":255.06,"sentiment":"neutral","sentiment_score":0.04229677303765829},{"text":"Which is taxed at 15% or whatever it is.","start":255.06,"end":258.34,"sentiment":"neutral","sentiment_score":0.014849434089329507},{"text":"Right?","start":258.34,"end":258.84,"sentiment":"neutral","sentiment_score":0.03384735435247421},{"text":"Yep.","start":270.065,"end":270.565,"sentiment":"neutral","sentiment_score":0.12248335778713226}],"sentiment":"neutral","sentiment_score":0.03798075981046024,"num_words":38,"start":241.14,"end":270.565},{"sentences":[{"text":"Yeah.","start":277.425,"end":277.925,"sentiment":"neutral","sentiment_score":0.057416222989559174},{"text":"Yeah.","start":287.50998,"end":288.00998,"sentiment":"neutral","sentiment_score":0.1120038479566574},{"text":"Yeah.","start":299.005,"end":299.245,"sentiment":"neutral","sentiment_score":0.09840789437294006},{"text":"Yeah.","start":299.245,"end":299.405,"sentiment":"neutral","sentiment_score":0.13101977109909058},{"text":"Got 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think that's over and above that.","start":339.59,"end":341.03,"sentiment":"neutral","sentiment_score":-0.08888907304831914},{"text":"Right?","start":341.03,"end":341.43,"sentiment":"neutral","sentiment_score":-0.009457621723413467},{"text":"Yeah.","start":341.43,"end":341.66998,"sentiment":"neutral","sentiment_score":-0.009300109930336475},{"text":"So then it's 300.","start":341.66998,"end":343.21,"sentiment":"neutral","sentiment_score":-0.00032670004293322563},{"text":"Yeah.","start":344.62997,"end":344.87,"sentiment":"neutral","sentiment_score":0.015764672309160233}],"sentiment":"neutral","sentiment_score":-0.04475166934675404,"num_words":14,"start":339.59,"end":344.87},{"sentences":[{"text":"Yeah.","start":344.87,"end":345.11,"sentiment":"neutral","sentiment_score":0.01868469826877117},{"text":"So then it's So then it becomes 300.","start":345.11,"end":349.05,"sentiment":"neutral","sentiment_score":0.01638411171734333},{"text":"Yeah.","start":349.34998,"end":349.84998,"sentiment":"neutral","sentiment_score":0.011409888975322248},{"text":"So then you're saying that entire 15.","start":350.645,"end":354.725,"sentiment":"neutral","sentiment_score":0.012002298874514443},{"text":"Concession contribution plus the employer contribution will additionally get taxed at 15 percent.","start":355.125,"end":360.265,"sentiment":"neutral","sentiment_score":0.01579994450394924}],"sentiment":"neutral","sentiment_score":0.015019428388526043,"num_words":30,"start":344.87,"end":360.265},{"sentences":[{"text":"So it will even though I'm not doing concession contribution let's keep aside concession contribution for the time being.","start":360.805,"end":367.31,"sentiment":"neutral","sentiment_score":-0.02991245441923016},{"text":"Right?","start":368.25,"end":368.49,"sentiment":"neutral","sentiment_score":0.053199850022792816},{"text":"It is still above two fifty k anyways.","start":368.49,"end":370.66998,"sentiment":"neutral","sentiment_score":0.02020863792859018},{"text":"Right?","start":371.53,"end":372.03,"sentiment":"neutral","sentiment_score":0.04005446285009384},{"text":"So that means my super is getting taxed under division two ninety three any which ways.","start":372.09,"end":377.06998,"sentiment":"neutral","sentiment_score":0.01269492607389111}],"sentiment":"neutral","sentiment_score":-0.0024509866773668263,"num_words":45,"start":360.805,"end":377.06998},{"sentences":[{"text":"Whatever whatever employee is contributing right 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much.","start":867.61505,"end":868.5689,"sentiment":"positive","sentiment_score":0.8286840617656708},{"text":"Sure.","start":870.4889,"end":870.8089,"sentiment":"positive","sentiment_score":0.5144554376602173}],"sentiment":"positive","sentiment_score":0.5669487018603832,"num_words":8,"start":861.935,"end":870.8089},{"sentences":[{"text":"Thank you so much.","start":870.8089,"end":871.52893,"sentiment":"positive","sentiment_score":0.7881611734628677},{"text":"Bye.","start":871.52893,"end":872.02893,"sentiment":"positive","sentiment_score":0.4114778935909271}],"sentiment":"positive","sentiment_score":0.7128245174884796,"num_words":5,"start":870.8089,"end":872.02893}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? Yes.\n\nChannel 0: Good afternoon. Is this?\n\nChannel 1: Hi.\n\nChannel 0: This is Veronica from OQ Financial. How are you?\n\nChannel 1: I'm good, Veronica. How are you?\n\nChannel 0: Good. Thanks. I had you booked in for a little bit of a catch up. You got a couple of minutes for me?\n\nChannel 1: Yes. Yes.\n\nChannel 0: Yes. Perfect. Now just for you, Sean, before I do go any further, I do need to let you know the calls are being recorded, if that's okay.\n\nChannel 1: Yep. Yes. That's fine.\n\nChannel 0: Perfect. And just for security purposes as well, if I could just get you to confirm full name, date of birth, and address, please.\n\nChannel 1: Jaish, 09/21/1980, and address 20 Elkhorn Way, Point Cook, Victoria.\n\nChannel 0: Yep. Beautiful. Now I do apologize I couldn't get your call the other day. Been flat flat out all week,\n\nChannel 1: Yep.\n\nChannel 0: but I'm glad we found a a a time now that I could give you a quick call.\n\nChannel 1: No worries. So, look, the reason I called was, so my this year's gross income is gonna be around $2.80 k approximately. Right? And, obviously, I was thinking about ways to save tax on\n\nChannel 0: Mhmm.\n\nChannel 1: that.\n\nChannel 0: Yeah.\n\nChannel 1: And, obviously,\n\nChannel 0: Yep.\n\nChannel 1: you know, not many options really. So and I checked with my accountant around the contribution cap as well, and I seem\n\nChannel 0: Yes.\n\nChannel 1: to have some 38, maybe 38,000 contribution caps in left caps in left.\n\nChannel 0: Mhmm.\n\nChannel 1: So\n\nChannel 0: Of the carry forward.\n\nChannel 1: I want\n\nChannel 0: Yep.\n\nChannel 1: yeah. So I wanted to sort of make some concessional contribution.\n\nChannel 0: Mhmm.\n\nChannel 1: So about maybe 31,000 because then\n\nChannel 0: Mhmm.\n\nChannel 1: that will bring my gross income to under $2.50 k as well. So,\n\nChannel 0: Mhmm.\n\nChannel 1: yeah, that is the reason I sort of called you to to discuss and maybe go forward on that.\n\nChannel 0: Okay. And how come you wanted it sorry. With the $2.50 for the dev two nine three, it includes contributions. So did your accountant confirm that with you? So even if we get your income under it, it also includes contributions.\n\nChannel 1: What does that mean? Sorry? No. But you said\n\nChannel 0: So\n\nChannel 1: free time.\n\nChannel 0: with the, div two nine three, because that is the additional tax you have to pay as a high, income earner.\n\nChannel 1: Mhmm.\n\nChannel 0: Now that is income plus con concessional contributions. So even if we were to put, let's say, 31,000 in as concessional contributions, you would\n\nChannel 1: Yep.\n\nChannel 0: still have to pay the d two nine three. Did your accountant explain that to you?\n\nChannel 1: He did mention that to me, and he\n\nChannel 0: Okay.\n\nChannel 1: basically said that super contribution is pretax, and I will essentially claim claim that on my tax returns.\n\nChannel 0: Yes. Yes. Okay. I was just wanted to make sure because you mentioned it brings your income under $2.50 why the specific $2.50 was discussed.\n\nChannel 1: So so sorry. So my what I'm gonna so my gross income, a projected gross income is, like I said, it's gonna be in that $2.79, $2.80 k range.\n\nChannel 0: Mhmm.\n\nChannel 1: Right? So my understanding was if I pay this 31,000, right,\n\nChannel 0: Yes. Yes.\n\nChannel 1: so currently, I'm gonna get taxed at 47% slab, right, based on the slabs and all that if it's $2.80. Right?\n\nChannel 0: Yes. Correct.\n\nChannel 1: Now if I if I make this 31,000 contribution,\n\nChannel 0: Mhmm.\n\nChannel 1: that essentially brings it under $2.50 k.\n\nChannel 0: Mhmm.\n\nChannel 1: Right?\n\nChannel 0: Yes.\n\nChannel 1: So my understanding is that whatever slab applies up till $2.50 k, that will apply, and then there'll be 15% tax on this 31 k, Right? Which is taxed at 15% or whatever it is. Right?\n\nChannel 0: Yes and no. Yes. But because so, yes, 15% in super is correct versus 47 that you pay yourself.\n\nChannel 1: Yep.\n\nChannel 0: The the only thing additional is because the vision two nine three would apply. So\n\nChannel 1: Yeah.\n\nChannel 0: in effect, because that's an additional 15%. So in effect, it would be 30% versus 47. So it's still a tax saving,\n\nChannel 1: Yeah.\n\nChannel 0: but because of the division through nine three, it would basically be 30 versus 47 instead of 15 versus 47. Does that make sense?\n\nChannel 1: Yeah. Yeah. Got it. Got it. Yeah.\n\nSo there's an additional 15% because of division two ninety three, you're saying, on top of\n\nChannel 0: Correct.\n\nChannel 1: it. Yeah.\n\nChannel 0: Yes.\n\nChannel 1: And and that is only applicable only on the 31,000. Right? Not on the employer contribution that they've already made. Right?\n\nChannel 0: Correct. It well, yes and no. So it is any amount over $2.50. So anything exceeding 250, now that includes income as well as any additional contributions. So that includes employer contributions and any additional contributions that you make yourself.\n\nChannel 1: Okay. So my $2.80 doesn't include employee contribution. I think that's over and above that. Right? Yeah.\n\nSo then\n\nChannel 0: Correct.\n\nChannel 1: it's 300.\n\nChannel 0: And, normally, it doesn't. Yes.\n\nChannel 1: Yeah. Yeah. So then it's So then it becomes 300. Yeah. So then you're saying that entire 15.\n\nConcession contribution plus the employer contribution will additionally get taxed at 15\n\nChannel 0: Correct.\n\nChannel 1: percent.\n\nChannel 0: Yes.\n\nChannel 1: So it will even though I'm not doing concession contribution let's keep aside concession contribution\n\nChannel 0: Mhmm.\n\nChannel 1: for the time being.\n\nChannel 0: Yes.\n\nChannel 1: Right? It is still above two fifty k anyways. Right? So that means\n\nChannel 0: Yes.\n\nChannel 1: my super is getting taxed under division two ninety three any which ways.\n\nChannel 0: Correct.\n\nChannel 1: Whatever whatever employee is contributing right now. Right?\n\nChannel 0: Yes. Yes.\n\nChannel 1: So then, yeah, then that's fine. Then, yeah, it it definitely makes sense for me to do an additional contribution. So it could\n\nChannel 0: Well,\n\nChannel 1: at least save me\n\nChannel 0: I\n\nChannel 1: 17%\n\nChannel 0: can\n\nChannel 1: or whatever on top. Right? Yeah.\n\nChannel 0: you're you're still saving. Yeah. So it's still\n\nChannel 1: Yeah.\n\nChannel 0: a tax saving for sure. What I can do is so I can do the math for you and send it to you in an email if that would be helpful as along with\n\nChannel 1: Yes.\n\nChannel 0: how you do it. So I can sorry. Okay. So you said your income is 280\n\nChannel 1: Yes.\n\nChannel 0: thousand,\n\nChannel 1: Yes.\n\nChannel 0: and then that is plus 12% contributions from your employer, but they only pay up to the concessional contribution cap. Correct? They only pay the 30,000.\n\nChannel 1: They yeah. This year, I think it's gonna be I think I did email you, right, about a\n\nChannel 0: Yes.\n\nChannel 1: month ago.\n\nChannel 0: And I think they\n\nChannel 1: It's\n\nChannel 0: confirmed\n\nChannel 1: not even 30.\n\nChannel 0: 30.\n\nChannel 1: Yeah. It's probably somewhere 25, 26, something in that range. Yeah.\n\nChannel 0: Okay. Because if it is 280,000, 12% of that is 33,600.\n\nChannel 1: Yeah. They're not as far as I think I emailed, Whom did I interact with from work view? Yeah.\n\nChannel 0: I think it was Whitlam because he did forward that to me. And he said that they kind of stopped at they stopped at 30 for the year, which is very common for employers. And when you do split it on a I think it was, like, a quarterly or monthly, it kind of\n\nChannel 1: Yes.\n\nChannel 0: evened out. Yes.\n\nChannel 1: Correct. Correct.\n\nChannel 0: So\n\nChannel 1: Yeah.\n\nChannel 0: yes.\n\nChannel 1: They they cap it at quarterly. Yes. That's what I remember. Yeah. So\n\nChannel 0: Yes.\n\nChannel 1: and then\n\nChannel 0: Yes.\n\nChannel 1: it's not even\n\nChannel 0: Okay.\n\nChannel 1: reaching yeah.\n\nChannel 0: So\n\nChannel 1: Yeah.\n\nChannel 0: if I work with income of $2.80 plus the 30,000 from your employer, and\n\nChannel 1: No.\n\nChannel 0: then\n\nChannel 1: No. So\n\nChannel 0: if\n\nChannel 1: it's\n\nChannel 0: you\n\nChannel 1: not 30. Right? 7,500. Yeah.\n\nChannel 0: I think because if it's per quarter, 7,500 times four is 30.\n\nChannel 1: Yeah. Okay. Let's take that into assumption because it's anyways, it's\n\nChannel 0: Mhmm.\n\nChannel 1: gonna be around $2.50 k and above $2.50\n\nChannel 0: Around\n\nChannel 1: k\n\nChannel 0: that.\n\nChannel 1: anyways, which is\n\nChannel 0: Okay.\n\nChannel 1: yeah.\n\nChannel 0: So if I work with income of $2.80,\n\nChannel 1: Yeah.\n\nChannel 0: 30,000\n\nChannel 1: Yeah.\n\nChannel 0: from your employer, so what they have to give you, and then you wanting to use your carry forward concessional contribution of 31,000. Is that what you said?\n\nChannel 1: Yeah. Approximately.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Because it's it's gonna bring it below $2.50 k. Right?\n\nChannel 0: And how come you wanted the $2.50? Was that any\n\nChannel 1: Yeah.\n\nChannel 0: specific\n\nChannel 1: Look.\n\nChannel 0: reason?\n\nChannel 1: No. That was just a just a psychological\n\nChannel 0: Okay.\n\nChannel 1: thing. It doesn't really matter.\n\nChannel 0: Okay.\n\nChannel 1: It's anyways,\n\nChannel 0: Perfect.\n\nChannel 1: about $190,000, it's 45% anyway. So yeah.\n\nChannel 0: Okay.\n\nChannel 1: Yeah.\n\nChannel 0: All\n\nChannel 1: Okay.\n\nChannel 0: good. I'll just for you, 31 now. As long as you have confirmed that you do have that cap space, that's the only thing.\n\nChannel 1: Yes.\n\nChannel 0: But if you have confirmed\n\nChannel 1: Yeah.\n\nChannel 0: with the accountant that you have it, that's perfect. If\n\nChannel 1: Yes.\n\nChannel 0: I\n\nChannel 1: I\n\nChannel 0: work\n\nChannel 1: have it.\n\nChannel 0: with\n\nChannel 1: I have\n\nChannel 0: 30\n\nChannel 1: it up\n\nChannel 0: one\n\nChannel 1: till, I think, 38,000 or 40,000. Yeah.\n\nChannel 0: okay. Great. Perfect. You can also I mean, if your account's checked it for perfect, you can also at any point, it's up yourself. It's on myGov if you ever do wanna go and check it.\n\nSo\n\nChannel 1: Okay.\n\nChannel 0: if I work with 31,000 carry forward, I can pop that in an email for you to just show you\n\nChannel 1: Yep.\n\nChannel 0: how that would change tax wise just\n\nChannel 1: Yeah.\n\nChannel 0: so you have it. And then, obviously, if you decide to do things differently, up to you. But then at least you can kind of see the the calculation. Now if you do earn any additional income or anything like that, that might change it a little bit. But at least if I work on this, it's a bit of a\n\nChannel 1: Yeah.\n\nChannel 0: a bit of a a thing for you, and then I'll also include how you can make it in the email.\n\nChannel 1: Yeah. I need to fill a form or something. Right?\n\nChannel 0: Yes. So there is there is a form that we I'll get the team through set for you.\n\nChannel 1: Yeah.\n\nChannel 0: So, basically, you would put it in, and then we would help you claim an NOI. So that was basically, like, changing it from after\n\nChannel 1: Yes.\n\nChannel 0: tax to\n\nChannel 1: Yeah.\n\nChannel 0: pretax.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Yeah.\n\nChannel 0: we\n\nChannel 1: So\n\nChannel 0: would\n\nChannel 1: that's\n\nChannel 0: we\n\nChannel 1: what\n\nChannel 0: would\n\nChannel 1: I was\n\nChannel 0: we\n\nChannel 1: trying\n\nChannel 0: would do\n\nChannel 1: to do.\n\nChannel 0: that.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: So the\n\nChannel 0: Okay. Perfect.\n\nChannel 1: bottom bottom line is it will help me save 17% on that amount. Right? From 47 to 30,000\n\nChannel 0: Correct. To 30.\n\nChannel 1: 30%.\n\nChannel 0: Yes.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Correct. Yes.\n\nChannel 1: Okay.\n\nChannel 0: So it will still save your tax.\n\nChannel 1: Yeah.\n\nChannel 0: Normally, you would save a little bit more, but because of this $2.09 3 you're still saving tax, though. So\n\nChannel 1: Yeah.\n\nChannel 0: because\n\nChannel 1: Yeah.\n\nChannel 0: you are in such a high income earner, which is fantastic, but, unfortunately, you just have to pay additional tax for it, which kinda\n\nChannel 1: Yeah.\n\nChannel 0: sucks. You still save tax. So\n\nChannel 1: Okay.\n\nChannel 0: you do.\n\nChannel 1: Okay.\n\nChannel 0: So\n\nChannel 1: Okay.\n\nChannel 0: I'll\n\nChannel 1: It\n\nChannel 0: pop\n\nChannel 1: will\n\nChannel 0: this\n\nChannel 1: be\n\nChannel 0: in\n\nChannel 1: great\n\nChannel 0: an\n\nChannel 1: if\n\nChannel 0: email\n\nChannel 1: you can\n\nChannel 0: for\n\nChannel 1: yeah.\n\nChannel 0: you.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Of course.\n\nChannel 1: And,\n\nChannel 0: No.\n\nChannel 1: also, if you can ask my ask your team to send me the form so that I can do it in time for end of year.\n\nChannel 0: Yes. Yes. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: And, yeah, I would suggest doing it. Not wait till the last week because\n\nChannel 1: No.\n\nChannel 0: they they do tend to be\n\nChannel 1: Correct.\n\nChannel 0: really busy\n\nChannel 1: No. No.\n\nChannel 0: and\n\nChannel 1: Absolutely.\n\nChannel 0: I don't want yep.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect.\n\nChannel 1: I wanna do it by first week of June. So yeah. Absolutely.\n\nChannel 0: Okay. Amazing. That is perfect. Now\n\nChannel 1: Are there any\n\nChannel 0: yep.\n\nChannel 1: impact so, obviously, the other impact is obviously the more funds I invest, obviously, the fee at your end is 0.66%, right? So that will be the\n\nChannel 0: One\n\nChannel 1: only\n\nChannel 0: point\n\nChannel 1: other impact\n\nChannel 0: six\n\nChannel 1: to\n\nChannel 0: five.\n\nChannel 1: it. Is there any other impact?\n\nChannel 0: No. It would it would just be, obviously, the platform fees. So, obviously,\n\nChannel 1: Yeah.\n\nChannel 0: because your administration fee and\n\nChannel 1: Yeah.\n\nChannel 0: investment fees are based on a balance,\n\nChannel 1: Yeah.\n\nChannel 0: but there's no additional fees aside from from those. No.\n\nChannel 1: Okay.\n\nChannel 0: Yep.\n\nChannel 1: Alright.\n\nChannel 0: Does that all make sense?\n\nChannel 1: Yeah. Yeah. No.\n\nChannel 0: Yes.\n\nChannel 1: That makes sense.\n\nChannel 0: Yep. Alright.\n\nChannel 1: Okay.\n\nChannel 0: Perfect. Now I will try my best to have this email through you today, but I am pretty booked out till 08:00\n\nChannel 1: That's\n\nChannel 0: tonight.\n\nChannel 1: fine. Today, tomorrow is fine. That's okay.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Okay. Perfect. I will try my best to have it as soon as I can to you, though.\n\nChannel 1: Sure. Sure. I\n\nChannel 0: Perfect.\n\nChannel 1: wanted one more\n\nChannel 0: Mhmm.\n\nChannel 1: advice from you guys. Not today, but\n\nChannel 0: Mhmm. Yep.\n\nChannel 1: and I don't know if if my sort of relationship with you guys covers that, but\n\nChannel 0: Mhmm.\n\nChannel 1: I wanted to understand a bit about sort of debt recycling as well\n\nChannel 0: Yes.\n\nChannel 1: and\n\nChannel 0: Yep.\n\nChannel 1: how\n\nChannel 0: Yep.\n\nChannel 1: to\n\nChannel 0: We can do that.\n\nChannel 1: how to do that, how to best use it, and what does it really benefit in. Again, I'm looking from, you know, know,\n\nChannel 0: Overall.\n\nChannel 1: just to give you a better background, I've got a principal\n\nChannel 0: Yes.\n\nChannel 1: pays of residence, which I'm paying\n\nChannel 0: Yes.\n\nChannel 1: interest out of my\n\nChannel 0: Yes.\n\nChannel 1: pocket. So does debt recycling really help to save interest and obviously use that fund\n\nChannel 0: Mhmm.\n\nChannel 1: for investment purposes and on how does it all work. So maybe\n\nChannel 0: Yes.\n\nChannel 1: maybe not today, maybe when you have time in the next couple of weeks or whatever. Yeah. Just\n\nChannel 0: Yeah.\n\nChannel 1: wanted\n\nChannel 0: Perfect.\n\nChannel 1: to\n\nChannel 0: Do you want me to in the email when I send you, do you wanna just respond when you are available, or would you like me to book in a time now in a couple of weeks to talk about it? Or do you wanna call up the office when you're ready to talk about it and they'll\n\nChannel 1: We\n\nChannel 0: book in an appointment?\n\nChannel 1: yeah. We can do it in, like, two weeks from now. So maybe after the first week of June, if\n\nChannel 0: Okay.\n\nChannel 1: that's\n\nChannel 0: Let\n\nChannel 1: feasible.\n\nChannel 0: me have a look. Yep. Alright. Perfect.\n\nChannel 1: Tuesdays would potentially work best or Fridays?\n\nChannel 0: Tuesdays. Alright. Let me see here. Tuesdays are probably best. Do you prefer morning or afternoons?\n\nChannel 1: Good morning is okay. Yeah.\n\nChannel 0: Good morning? Okay. Perfect. Now I could do I could do either 08:30 or\n\nChannel 1: No. That'll be a little early. Sorry.\n\nChannel 0: no. That's okay.\n\nChannel 1: Just home duties around that time.\n\nChannel 0: No. That's okay. Otherwise, I could do about 01:00. Would that be okay?\n\nChannel 1: Yeah. One should be okay. Yeah.\n\nChannel 0: 01:00. Okay. Well, I will book that in on Tuesday, June 9 at 01:00.\n\nChannel 1: Yep.\n\nChannel 0: If anything does change, just let\n\nChannel 1: I'll\n\nChannel 0: us know,\n\nChannel 1: let you.\n\nChannel 0: and\n\nChannel 1: Yeah.\n\nChannel 0: we can yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. Otherwise,\n\nChannel 1: Okay.\n\nChannel 0: that's booked in. Keep an eye out for my email. And\n\nChannel 1: Okay.\n\nChannel 0: if there's anything else you need, just let me know.\n\nChannel 1: Sure. Thank you so much.\n\nChannel 0: No problem at all. We'll speak soon.\n\nChannel 1: Sure. Thank you so much. Bye.\n\nChannel 0: Okay. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.76,"end":1.92,"sentiment":"neutral","sentiment_score":0.02705891989171505},{"text":"Yes.","start":1.92,"end":2.42,"sentiment":"neutral","sentiment_score":0.1216585636138916}],"sentiment":"neutral","sentiment_score":0.07435874175280333,"channel":1,"num_words":2,"start":1.76,"end":2.42},{"sentences":[{"text":"Good afternoon.","start":2.32,"end":3.04,"sentiment":"neutral","sentiment_score":0.27984941005706787},{"text":"Is this?","start":3.04,"end":3.6999998,"sentiment":"neutral","sentiment_score":0.20818988233804703}],"sentiment":"neutral","sentiment_score":0.24401964619755745,"channel":0,"num_words":4,"start":2.32,"end":3.6999998},{"sentences":[{"text":"Hi.","start":4.88,"end":5.38,"sentiment":"neutral","sentiment_score":0.1834058314561844}],"sentiment":"neutral","sentiment_score":0.1834058314561844,"channel":1,"num_words":1,"start":4.88,"end":5.38},{"sentences":[{"text":"This is Veronica from OQ Financial.","start":5.52,"end":7.7,"sentiment":"neutral","sentiment_score":0.1999782770872116},{"text":"How are you?","start":7.8399997,"end":8.66,"sentiment":"neutral","sentiment_score":0.21159963806470236}],"sentiment":"neutral","sentiment_score":0.20385206407970852,"channel":0,"num_words":9,"start":5.52,"end":8.66},{"sentences":[{"text":"I'm good, Veronica.","start":8.639999,"end":9.599999,"sentiment":"positive","sentiment_score":0.5299944877624512},{"text":"How are you?","start":9.599999,"end":10.42,"sentiment":"positive","sentiment_score":0.4204022487004598}],"sentiment":"positive","sentiment_score":0.4751983682314555,"channel":1,"num_words":6,"start":8.639999,"end":10.42},{"sentences":[{"text":"Good.","start":10.639999,"end":11.12,"sentiment":"positive","sentiment_score":0.5139991044998169},{"text":"Thanks.","start":11.12,"end":11.62,"sentiment":"positive","sentiment_score":0.5824308395385742},{"text":"I had you booked in for a little bit of a catch up.","start":12.485,"end":14.565,"sentiment":"neutral","sentiment_score":0.193269370840146},{"text":"You got a couple of minutes for me?","start":14.565,"end":16.505,"sentiment":"neutral","sentiment_score":0.10872201900929213}],"sentiment":"neutral","sentiment_score":0.19472643117541852,"channel":0,"num_words":23,"start":10.639999,"end":16.505},{"sentences":[{"text":"Yes.","start":16.835001,"end":17.235,"sentiment":"neutral","sentiment_score":0.09327013790607452},{"text":"Yes.","start":17.235,"end":17.735,"sentiment":"neutral","sentiment_score":0.11846701800823212}],"sentiment":"neutral","sentiment_score":0.10586857795715332,"channel":1,"num_words":2,"start":16.835001,"end":17.735},{"sentences":[{"text":"Yes.","start":17.605,"end":18.105,"sentiment":"neutral","sentiment_score":0.22399479150772095},{"text":"Perfect.","start":18.244999,"end":18.744999,"sentiment":"positive","sentiment_score":0.47934043407440186},{"text":"Now just for you, Sean, before I do go any further, I do need to let you know the calls are being recorded, if that's okay.","start":19.365,"end":25.544998,"sentiment":"neutral","sentiment_score":0.11473186400074226}],"sentiment":"neutral","sentiment_score":0.13165584605719363,"channel":0,"num_words":28,"start":17.605,"end":25.544998},{"sentences":[{"text":"Yep.","start":25.715,"end":25.955,"sentiment":"neutral","sentiment_score":0.13086706399917605},{"text":"Yes.","start":25.955,"end":26.355,"sentiment":"neutral","sentiment_score":0.19706398248672485},{"text":"That's fine.","start":26.355,"end":27.255001,"sentiment":"positive","sentiment_score":0.3431038409471512}],"sentiment":"neutral","sentiment_score":0.2535346820950508,"channel":1,"num_words":4,"start":25.715,"end":27.255001},{"sentences":[{"text":"Perfect.","start":27.56,"end":28.06,"sentiment":"positive","sentiment_score":0.5213622450828552},{"text":"And just for security purposes as well, if I could just get you to confirm full name, date of birth, and address, 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much.","start":870.8089,"end":871.52893,"sentiment":"positive","sentiment_score":0.7881611734628677},{"text":"Bye.","start":871.52893,"end":872.02893,"sentiment":"positive","sentiment_score":0.4114778935909271}],"sentiment":"positive","sentiment_score":0.6797630041837692,"channel":1,"num_words":6,"start":870.4889,"end":872.02893},{"sentences":[{"text":"Okay.","start":871.5789,"end":872.0789,"sentiment":"neutral","sentiment_score":0.21634581685066223},{"text":"Bye.","start":872.139,"end":872.639,"sentiment":"neutral","sentiment_score":-0.09006085246801376}],"sentiment":"neutral","sentiment_score":0.06314248219132423,"channel":0,"num_words":2,"start":871.5789,"end":872.639}]},"summary":{"result":"success","short":"Representatives from OQ Financial called a customer to discuss tax savings of $2.50k. The customer wants to make professional contributions to save tax and the representative explains that the contribution is based on their gross income and includes contributions from their employer. The speaker explains the process for claiming an NOI and suggests sending a form for review. The customer agrees to an appointment and the agent confirms details."},"intents":{"segments":[{"text":"Now just for you, Sean, before I do go any further, I do need to let you know the calls are being recorded, if that's okay. Yep.","start_word":49,"end_word":75,"intents":[{"intent":"Confirm call recording","confidence_score":0.38542426}]},{"text":"So, look, the reason I called was, so my this year's gross income is gonna be around $2.80 k approximately. Right? And, obviously, I was thinking about ways to save tax on Mhmm. that.","start_word":154,"end_word":187,"intents":[{"intent":"Discuss savings tax","confidence_score":0.031727467}]},{"text":"to have some 38, maybe 38,000 contribution caps in left caps in left. Mhmm.","start_word":215,"end_word":228,"intents":[{"intent":"Discuss contribution capacity","confidence_score":0.00003933528}]},{"text":"with the, div two nine three, because that is the additional tax you have to pay as a high, income earner. Mhmm.","start_word":342,"end_word":363,"intents":[{"intent":"Clarify tax deductions","confidence_score":0.012567536},{"intent":"Confirm deduction","confidence_score":0.0042591775}]},{"text":"So you said your income is 280 Yes. thousand, Yes. and then that is plus 12% contributions from your employer, but they only pay up to the concessional contribution cap. Correct?","start_word":959,"end_word":989,"intents":[{"intent":"Calculate income and contributions","confidence_score":0.00040911848}]},{"text":"And I think they It's confirmed not even 30. 30.","start_word":1017,"end_word":1026,"intents":[{"intent":"Clarify working hours","confidence_score":0.0007654606}]},{"text":"And I think they It's confirmed not even 30. 30. Yeah. It's probably somewhere 25, 26, something in that range. Yeah. Okay. Because if it is 280,000, 12% of that is 33,600. Yeah. They're not as far as I think I emailed, Whom did I interact with from work view? Yeah.","start_word":1017,"end_word":1067,"intents":[{"intent":"Inquire about employee schedule","confidence_score":5.0263797e-8}]},{"text":"It's probably somewhere 25, 26, something in that range. Yeah.","start_word":1027,"end_word":1036,"intents":[{"intent":"Discuss salary range","confidence_score":0.0030789536}]},{"text":"They're not as far as I think I emailed, Whom did I interact with from work view? Yeah.","start_word":1049,"end_word":1066,"intents":[{"intent":"Identify employee","confidence_score":0.0014047041},{"intent":"Clarify purpose of call","confidence_score":0.0014795898}]},{"text":"I think it was Whitlam because he did forward that to me. And he said that they kind of stopped at they stopped at 30 for the year, which is very common for employers.","start_word":1067,"end_word":1100,"intents":[{"intent":"Explain employer's policy","confidence_score":0.024767138}]},{"text":"I think it was Whitlam because he did forward that to me. And he said that they kind of stopped at they stopped at 30 for the year, which is very common for employers. And when you do split it on a I think it was, like, a quarterly or monthly, it kind of Yes. evened out.","start_word":1067,"end_word":1123,"intents":[{"intent":"Express confusion about work schedule","confidence_score":0.0006755501},{"intent":"Explain condition of agreement","confidence_score":0.000011408957}]},{"text":"Yes. Correct. Correct.","start_word":1124,"end_word":1126,"intents":[{"intent":"Confirm understanding","confidence_score":0.04841814}]},{"text":"from your employer, so what they have to give you, and then you wanting to use your carry forward concessional contribution of 31,000. Is that what you said? Yeah.","start_word":1232,"end_word":1260,"intents":[{"intent":"Explain employer preference","confidence_score":0.00083277485}]},{"text":"As long as you have confirmed that you do have that cap space, that's the only thing.","start_word":1325,"end_word":1341,"intents":[{"intent":"Confirm cap space","confidence_score":0.73376685}]},{"text":"I I work have it. with I have 30 it up one till, I think, 38,000 or 40,000. Yeah.","start_word":1359,"end_word":1377,"intents":[{"intent":"Work with account","confidence_score":0.22134875}]},{"text":"You can also I mean, if your account's checked it for perfect, you can also at any point, it's up yourself. It's on myGov if you ever do wanna go and check it. So Okay.","start_word":1381,"end_word":1415,"intents":[{"intent":"Check accounts","confidence_score":0.0010775746}]},{"text":"how that would change tax wise just Yeah. so you have it. And then, obviously, if you decide to do things differently, up to you. But then at least you can kind of see the the calculation.","start_word":1437,"end_word":1473,"intents":[{"intent":"Provide tax calculation","confidence_score":0.004345907}]},{"text":"I need to fill a form or something. Right?","start_word":1529,"end_word":1537,"intents":[{"intent":"Fill form","confidence_score":0.561128}]},{"text":"So it will still save your tax. Yeah. Normally, you would save a little bit more, but because of this $2.09 3 you're still saving tax, though. So Yeah. because Yeah.","start_word":1641,"end_word":1671,"intents":[{"intent":"Save tax","confidence_score":0.843083}]},{"text":"I'll It pop will this be in great an if email you can for yeah. you.","start_word":1709,"end_word":1724,"intents":[{"intent":"Recommend email","confidence_score":0.0016796791},{"intent":"Confirm email","confidence_score":0.0959355},{"intent":"Offer email","confidence_score":0.009436877},{"intent":"Confirm email","confidence_score":0.21406801}]},{"text":"I'll It pop will this be in great an if email you can for yeah. you. Yeah. Yeah. Yeah. Of course. And, No. also, if you can ask my ask your team to send me the form so that I can do it in time for end of year. Yes.","start_word":1709,"end_word":1758,"intents":[{"intent":"Ask for email","confidence_score":0.021211972}]},{"text":"also, if you can ask my ask your team to send me the form so that I can do it in time for end of year. Yes.","start_word":1732,"end_word":1758,"intents":[{"intent":"Request form","confidence_score":0.54511684}]},{"text":"And, yeah, I would suggest doing it. Not wait till the last week because No. they they do tend to be Correct. really busy No. No. and Absolutely. I don't want yep. Yeah. Perfect. I wanna do it by first week of June. So yeah. Absolutely.","start_word":1762,"end_word":1807,"intents":[{"intent":"Express interest in help","confidence_score":0.00023431126}]},{"text":"I don't want yep. Yeah.","start_word":1790,"end_word":1794,"intents":[{"intent":"Request yep","confidence_score":0.00035129435}]},{"text":"Now Are there any yep. impact so, obviously, the other impact is obviously the more funds I invest, obviously, the fee at your end is 0.66%, right? So that will be the One only point other impact six to five. it.","start_word":1813,"end_word":1853,"intents":[{"intent":"Inquire about impact","confidence_score":0.014575636}]},{"text":"Does that all make sense? Yeah.","start_word":1900,"end_word":1905,"intents":[{"intent":"Confirm communication","confidence_score":0.00049712916}]},{"text":"I wanted to understand a bit about sort of debt recycling as well Yes. and Yep.","start_word":2001,"end_word":2016,"intents":[{"intent":"Explain debt recycling","confidence_score":0.023762451}]},{"text":"wanted Perfect. to Do you want me to in the email when I send you, do you wanna just respond when you are available, or would you like me to book in a time now in a couple of weeks to talk about it? Or do you wanna call up the office when you're ready to talk about it and they'll We book in an appointment? yeah.","start_word":2119,"end_word":2185,"intents":[{"intent":"Schedule appointment","confidence_score":0.12365032}]}]},"sentiments":{"segments":[{"text":"Hello? Yes. Good afternoon. Is this? Hi. This is Veronica from OQ Financial. How are you?","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.1910632997751236},{"text":"I'm good, Veronica. How are you? Good. Thanks.","start_word":16,"end_word":23,"sentiment":"positive","sentiment_score":0.5032137036323547},{"text":"I had you booked in for a little bit of a catch up. You got a couple of minutes for me? Yes. Yes. Yes.","start_word":24,"end_word":47,"sentiment":"neutral","sentiment_score":0.15632250905036926},{"text":"Perfect.","start_word":48,"end_word":48,"sentiment":"positive","sentiment_score":0.47934043407440186},{"text":"Now just for you, Sean, before I do go any further, I do need to let you know the calls are being recorded, if that's okay. Yep. Yes.","start_word":49,"end_word":76,"sentiment":"neutral","sentiment_score":0.12303470075130464},{"text":"That's fine. Perfect.","start_word":77,"end_word":79,"sentiment":"positive","sentiment_score":0.3926675021648407},{"text":"And just for security purposes as well, if I could just get you to confirm full name, date of birth, and address, please. Jaish, 09/21/1980, and address 20 Elkhorn Way, Point Cook, Victoria. Yep.","start_word":80,"end_word":113,"sentiment":"neutral","sentiment_score":0.12255200743675232},{"text":"Beautiful.","start_word":114,"end_word":114,"sentiment":"positive","sentiment_score":0.47267287969589233},{"text":"Now I do apologize I couldn't get your call the other day. Been flat flat out all week, Yep.","start_word":115,"end_word":133,"sentiment":"neutral","sentiment_score":-0.014594336971640589},{"text":"but I'm glad we found a a a time now that I could give you a quick call.","start_word":134,"end_word":151,"sentiment":"positive","sentiment_score":0.41055992245674133},{"text":"No worries. So, look, the reason I called was, so my this year's gross income is gonna be around $2.80 k approximately. Right? And, obviously, I was thinking about ways to save tax on Mhmm. that. Yeah. And, obviously, Yep. you know, not many options really. So and I checked with my accountant around the contribution cap as well, and I seem Yes. to have some 38, maybe 38,000 contribution caps in left caps in left. Mhmm. So Of the carry forward. I want Yep. yeah. So I wanted to sort of make some concessional contribution. Mhmm. So about maybe 31,000 because then Mhmm. that will bring my gross income to under $2.50 k as well. So, Mhmm. yeah, that is the reason I sort of called you to to discuss and maybe go forward on that. Okay. And how come you wanted it sorry. With the $2.50 for the dev two nine three, it includes contributions. So did your accountant confirm that with you? So even if we get your income under it, it also includes contributions. What does that mean? Sorry? No. But you said So free time. with the, div two nine three, because that is the additional tax you have to pay as a high, income earner. Mhmm. Now that is income plus con concessional contributions. So even if we were to put, let's say, 31,000 in as concessional contributions, you would Yep. still have to pay the d two nine three. Did your accountant explain that to you? He did mention that to me, and he Okay. basically said that super contribution is pretax, and I will essentially claim claim that on my tax returns. Yes. Yes. Okay. I was just wanted to make sure because you mentioned it brings your income under $2.50 why the specific $2.50 was discussed. So so sorry. So my what I'm gonna so my gross income, a projected gross income is, like I said, it's gonna be in that $2.79, $2.80 k range. Mhmm. Right? So my understanding was if I pay this 31,000, right, Yes. Yes. so currently, I'm gonna get taxed at 47% slab, right, based on the slabs and all that if it's $2.80. Right? Yes. Correct. Now if I if I make this 31,000 contribution, Mhmm. that essentially brings it under $2.50 k. Mhmm. Right? Yes. So my understanding is that whatever slab applies up till $2.50 k, that will apply, and then there'll be 15% tax on this 31 k, Right? Which is taxed at 15% or whatever it is. Right? Yes and no. Yes. But because so, yes, 15% in super is correct versus 47 that you pay yourself. Yep. The the only thing additional is because the vision two nine three would apply. So in Yeah. effect, because that's an additional 15%. So in effect, it would be 30% versus 47. So it's still a tax saving, Yeah. but because of the division through nine three, it would basically be 30 versus 47 instead of 15 versus 47. Does that make sense? Yeah. Yeah. Got it. Got it. Yeah. So there's an additional 15% because of division two ninety three, you're saying, on top of Correct. it. Yeah. Yes. And and that is only applicable only on the 31,000. Right? Not on the employer contribution that they've already made. Right? Correct. It well, yes and no. So it is any amount over $2.50. So anything exceeding 250, now that includes income as well as any additional contributions. So that includes employer contributions and any additional contributions that you make yourself. Okay. So my $2.80 doesn't include employee contribution. I think that's over and above that. Right? Yeah. So then Correct. it's 300. And, normally, it doesn't. Yes. Yeah. Yeah. So then it's So then it becomes 300. Yeah. So then you're saying that entire 15. Concession contribution plus the employer contribution will additionally get taxed at 15 Correct. percent. Yes. So it will even though I'm not doing concession contribution let's keep aside concession contribution Mhmm. for the time being. Yes. Right? It is still above two fifty k anyways. Right? So that means Yes. my super is getting taxed under division two ninety three any which ways. Correct. Whatever whatever employee is contributing right now. Right? Yes. Yes. So then, yeah, then that's fine. Then, yeah, it it definitely makes sense for me to do an additional contribution. So it could Well, at least save me I 17% can or whatever on top. Right? Yeah. you're you're still saving. Yeah. So it's still Yeah. a tax saving for sure. What I can do is so I can do the math for you and send it to you in an email if that would be helpful as along with Yes. how you do it. So I can sorry. Okay. So you said your income is 280 Yes. thousand, Yes. and then that is plus 12% contributions from your employer, but they only pay up to the concessional contribution cap. Correct? They only pay the 30,000. They yeah. This year, I think it's gonna be I think I did email you, right, about a Yes. month ago. And I think they It's confirmed not even 30. 30. Yeah. It's probably somewhere 25, 26, something in that range. Yeah. Okay. Because if it is 280,000, 12% of that is 33,600. Yeah. They're not as far as I think I emailed, Whom did I interact with from work view? Yeah. I think it was Whitlam because he did forward that to me. And he said that they kind of stopped at they stopped at 30 for the year, which is very common for employers. And when you do split it on a I think it was, like, a quarterly or monthly, it kind of Yes. evened out. Yes. Correct. Correct. So Yeah. yes. They they cap it at quarterly. Yes. That's what I remember. Yeah. So Yes. and then Yes. it's not even Okay. reaching yeah. So Yeah. if I work with income of $2.80 plus the 30,000 from your employer, and No. then No. So if it's you not 30. Right? 7,500. Yeah. I think because if it's per quarter, 7,500 times four is 30. Yeah. Okay. Let's take that into assumption because it's anyways, it's Mhmm. gonna be around $2.50 k and above $2.50 Around k that. anyways, which is Okay. yeah. So if I work with income of $2.80, Yeah. 30,000 Yeah. from your employer, so what they have to give you, and then you wanting to use your carry forward concessional contribution of 31,000. Is that what you said? Yeah. Approximately. Yeah. Yeah. Because it's it's gonna bring it below $2.50 k. Right? And how come you wanted the $2.50? Was that any specific Yeah. Look. reason? No. That was just a just a psychological Okay. thing. It doesn't really matter. Okay. It's anyways, Perfect. about $190,000, it's 45% anyway. So yeah. Okay. Yeah. All Okay.","start_word":152,"end_word":1316,"sentiment":"neutral","sentiment_score":0.02479402257105567},{"text":"good.","start_word":1317,"end_word":1317,"sentiment":"positive","sentiment_score":0.4512258768081665},{"text":"I'll just for you, 31 now. As long as you have confirmed that you do have that cap space, that's the only thing. Yes. But if you have confirmed Yeah.","start_word":1318,"end_word":1347,"sentiment":"neutral","sentiment_score":0.20651486217975615},{"text":"with the accountant that you have it, that's perfect.","start_word":1348,"end_word":1356,"sentiment":"positive","sentiment_score":0.5576762557029724},{"text":"If Yes. I I work have it. with I have 30 it up one till, I think, 38,000 or 40,000. Yeah.","start_word":1357,"end_word":1377,"sentiment":"neutral","sentiment_score":0.11048849672079086},{"text":"okay. Great. Perfect. You can also I mean, if your account's checked it for perfect, you can also at any point, it's up yourself.","start_word":1378,"end_word":1401,"sentiment":"positive","sentiment_score":0.43868985772132874},{"text":"It's on myGov if you ever do wanna go and check it. So Okay. if I work with 31,000 carry forward, I can pop that in an email for you to just show you Yep. how that would change tax wise just Yeah. so you have it. And then, obviously, if you decide to do things differently, up to you. But then at least you can kind of see the the calculation. Now if you do earn any additional income or anything like that, that might change it a little bit. But at least if I work on this, it's a bit of a Yeah. a bit of a a thing for you, and then I'll also include how you can make it in the email. Yeah. I need to fill a form or something. Right? Yes. So there is there is a form that we I'll get the team through set for you. Yeah. So, basically, you would put it in, and then we would help you claim an NOI. So that was basically, like, changing it from after Yes. tax to Yeah. pretax. Yeah. So Yeah. we So would that's we what would I was we trying would do to do. that. Yeah. Yeah. Yep. So the Okay.","start_word":1402,"end_word":1611,"sentiment":"neutral","sentiment_score":0.08446048200130463},{"text":"Perfect. bottom bottom line is it will help me save 17% on that amount.","start_word":1612,"end_word":1625,"sentiment":"positive","sentiment_score":0.46371138095855713},{"text":"Right? From 47 to 30,000 Correct. To 30. 30%. Yes. Yeah. Correct. Yeah. Yes. Okay. So it will still save your tax. Yeah. Normally, you would save a little bit more, but because of this $2.09 3 you're still saving tax, though. So Yeah. because Yeah. you are in such a high income earner, which is fantastic, but, unfortunately, you just have to pay additional tax for it, which kinda Yeah.","start_word":1626,"end_word":1696,"sentiment":"neutral","sentiment_score":0.029915680977660165},{"text":"sucks.","start_word":1697,"end_word":1697,"sentiment":"negative","sentiment_score":-0.5382792949676514},{"text":"You still save tax. So Okay. you do. Okay. So Okay. I'll It pop will this be in great an if email you can for yeah. you. Yeah. Yeah. Yeah. Of course. And, No. also, if you can ask my ask your team to send me the form so that I can do it in time for end of year. Yes. Yes.","start_word":1698,"end_word":1759,"sentiment":"neutral","sentiment_score":0.05969826504588127},{"text":"Perfect.","start_word":1760,"end_word":1760,"sentiment":"positive","sentiment_score":0.35107433795928955},{"text":"Yeah. And, yeah, I would suggest doing it. Not wait till the last week because No. they they do tend to be Correct. really busy No. No. and Absolutely. I don't want yep. Yeah. Perfect. I wanna do it by first week of June. So yeah. Absolutely. Okay.","start_word":1761,"end_word":1808,"sentiment":"neutral","sentiment_score":-0.004298360086977482},{"text":"Amazing. That is perfect.","start_word":1809,"end_word":1812,"sentiment":"positive","sentiment_score":0.5260438919067383},{"text":"Now Are there any yep. impact so, obviously, the other impact is obviously the more funds I invest, obviously, the fee at your end is 0.66%, right? So that will be the One only point other impact six to five. it. Is there any other impact? No. It would it would just be, obviously, the platform fees. So, obviously, Yeah. because your administration fee and Yeah. investment fees are based on a balance, Yeah. but there's no additional fees aside from from those. No. Okay. Yep. Alright. Does that all make sense? Yeah. Yeah. No. Yes. That makes sense. Yep. Alright. Okay. Perfect. Now I will try my best to have this email through you today, but I am pretty booked out till 08:00 That's tonight. fine. Today, tomorrow is fine. That's okay. Yeah. Yeah. Okay. Perfect. I will try my best to have it as soon as I can to you, though. Sure. Sure. I Perfect. wanted one more Mhmm. advice from you guys. Not today, but Mhmm. Yep. and I don't know if if my sort of relationship with you guys covers that, but Mhmm. I wanted to understand a bit about sort of debt recycling as well Yes. and Yep. how Yep.","start_word":1813,"end_word":2017,"sentiment":"neutral","sentiment_score":0.009471390717776447},{"text":"to We can do that. how to do that, how to best use it, and what does it really benefit in.","start_word":2018,"end_word":2038,"sentiment":"positive","sentiment_score":0.38421183824539185},{"text":"Again, I'm looking from, you know, know, Overall. just to give you a better background, I've got a principal Yes. pays of residence, which I'm paying Yes. interest out of my Yes. pocket.","start_word":2039,"end_word":2071,"sentiment":"neutral","sentiment_score":0.12343348562717438},{"text":"So does debt recycling really help to save interest and obviously use that fund Mhmm.","start_word":2072,"end_word":2086,"sentiment":"positive","sentiment_score":0.3406129479408264},{"text":"for investment purposes and on how does it all work. So maybe Yes. maybe not today, maybe when you have time in the next couple of weeks or whatever. Yeah. Just Yeah.","start_word":2087,"end_word":2118,"sentiment":"neutral","sentiment_score":0.0551135279238224},{"text":"wanted Perfect.","start_word":2119,"end_word":2120,"sentiment":"positive","sentiment_score":0.4175357818603515},{"text":"to Do you want me to in the email when I send you, do you wanna just respond when you are available, or would you like me to book in a time now in a couple of weeks to talk about it? Or do you wanna call up the office when you're ready to talk about it and they'll We book in an appointment? yeah. We can do it in, like, two weeks from now. So maybe after the first week of June, if Okay. that's Let feasible. me have a look. Yep. Alright.","start_word":2121,"end_word":2214,"sentiment":"neutral","sentiment_score":0.1381094753742218},{"text":"Perfect.","start_word":2215,"end_word":2215,"sentiment":"positive","sentiment_score":0.3775838017463684},{"text":"Tuesdays would potentially work best or Fridays? Tuesdays. Alright. Let me see here. Tuesdays are probably best. Do you prefer morning or afternoons? Good morning is okay. Yeah. Good morning? Okay. Perfect. Now I could do I could do either 08:30 or No. That'll be a little early. Sorry. no. That's okay. Just home duties around that time. No. That's okay. Otherwise, I could do about 01:00. Would that be okay? Yeah. One should be okay. Yeah. 01:00. Okay. Well, I will book that in on Tuesday, June 9 at 01:00. Yep. If anything does change, just let I'll us know, let you. and Yeah. we can yeah. Yeah.","start_word":2216,"end_word":2324,"sentiment":"neutral","sentiment_score":0.07860512286424637},{"text":"Perfect.","start_word":2325,"end_word":2325,"sentiment":"positive","sentiment_score":0.33581382036209106},{"text":"Otherwise, Okay. that's booked in. Keep an eye out for my email. And Okay. if there's anything else you need, just let me know.","start_word":2326,"end_word":2349,"sentiment":"neutral","sentiment_score":0.16151390224695206},{"text":"Sure. Thank you so much. No problem at all. We'll speak soon. Sure. Thank you so much. Bye.","start_word":2350,"end_word":2367,"sentiment":"positive","sentiment_score":0.6018840670585632},{"text":"Okay. Bye.","start_word":2368,"end_word":2369,"sentiment":"neutral","sentiment_score":0.1894168108701706}],"average":{"sentiment":"neutral","sentiment_score":0.07159728378729056}}}}