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Cool. So, Samantha, let me know that you were just wanting to talk about some additional contributions. That's correct? Yeah. Amazing. Alright. Well, before I jump into it, I do just let you need to let you know that our call is recorded. And if I could just get you confirmed security for me. Just full name, date of birth, address. Yep. And date of birth for me. Cool. Thanks. Alright. So explain what's happened so I can kind of advise and help from there. Yep. Yep. This financial year? Okay. Of your wage? Okay. Absolutely. Now your income for this year, a 150? For the year. Okay. Perfect. That that works nicely. Okay. So $2.50 obviously pushes you into the highest tax bracket. Can you tell me on that pay slip, what superannuation contributions are scheduled to be paid for the year? Like, do you know if they pay weekly where that fits? Yes. No. They don't. Yep. No. Being paid. No. That's okay. I'm just logging in and battling with technology while I do it. Because I can tell you exactly what's been paid so far for the year and in what categories. So currently, 15,744 has been paid. Sorry. I'm looking at two different screens. I believe that's correct. Yes. Which by the sounds of it so if your employer is paying mid April, that means that they're probably not gonna pay those final pays until next financial year, and those will land mid July. So they're not gonna count towards this financial year, which means we have room to move this year in terms of how much we put in. That's obviously cool. Yeah. No. Yeah. You've you've got plenty of room to be able to put put money in without affecting anything. Yes. You do. Which I yeah. I was looking at as well. Yeah. So I guess the the the biggest part is is that, obviously, $250,000 for the year means that you're paying about $88 worth of tax, which would have come out of the payments you've already like, the lump sum, it would have been taken out of that. It would have been taken out of your your take home pay or your your gross pay before you you you were paid it. So what is, I guess, the overall desired outcome with using your super fund? Because you can 100% have a very, very effective tax savings strategy by putting money into your super fund because currently, like, $60 of the money that you're being paid is being taxed at the highest tax bracket because anything over 190 fits into that high tax bracket. So any money that you would have put into your superannuation fund would essentially save on your income and give you a quite a sufficient with quite a good tax return. It just depends on how much you wanna lock away. Yeah. Yep. Yep. Yep. Yeah. Yep. Yeah. So, realistically speaking, what's gonna happen is any money that you put in and, like, because we're very, very close to the end of financial year. You have a little but you're kind of running out of days really quick. You basically have up until I don't wanna push it anything more than Friday to put money in. I generally tell clients not to push anything further than Friday. So what you what you would do is you just make a contribution, and that can be made anytime between, like, now and Friday or now and the end of the financial year realistically, but the money has to be in your account, which is why I say Friday. Today's the twenty third. The financial year ends on Tuesday. Yes. It will. It'll clear it'll clear by Tuesday. Realistically, I have clients that put money in on Monday, like, on the day before financial year and it clears. But it's always like a hold on to your seat, ladies and gentlemen, wearing for a bumpy twenty four hours. So, yeah, I just I I never like you know, stress is just not worth it. This this this time of year is already stressful enough for those in finance. So what you what we do from there is once the money's in, we can all take a sigh of relief because what would need to happen is you need to submit what's called a notice intent to claim. And, basically, what that does is that informs the super fund to charge the 15% super tax rate, which means that you are then able to claim back on your tax return, the tax the marginal rate that you've paid. So to put that in perspective, let's just say, so your 250,000 is what you've earned for the year, which means that you've paid $88,138 in income tax, and that's income tax. And you will have been hit with division two nine three and Medicare levy and all the rest of the stuff. Right? If you were to put $20 in just because I'm keeping to round numbers because I'm a little bit lazy at this time of day, but pre lunch, what's gonna happen is your income tax will drop down to only being well, I say only, but to having owed 75,378, which means you're getting $12 back. $1,212,760 dollars back on the 20 grand that you put into your super fund. So you're putting $20 in, you'll get money back. This is without considering any potential tax deductions you may be able to claim on and anything else that may pop up in your tax return, but that's just purely the numbers between the two. So you're not gonna get dollar for dollar, but you're gonna get a bit. Oh, that's not I mean, that's not even hitting the 30%. Like, if you put $60 in, you're gonna push yourself completely out of that highest 47% tax bracket. But it it what it is is because that money is being charged at that 47% rate, that's why you're getting so much back. To vision two nine three. Yep. It is. Yeah. Correct. No. You're not. It's a no it's at a lesser amount though, which is cool. But yeah. Yep. It's yeah. No. It's it's the first one. It's less complicated. Everyone tries to overcomplicate it. It's okay. So money goes in, and because you've already paid your marginal tax rate, the money actually goes in tax free, as in no money, no taxes being paid from the super fund. It goes straight in from your bank account to to the bank account owned by your super fund and gets allocated to your account based on the reference that you use. From there, you email me, call me, let me know, and I can lodge what's called a notice of intention to claim or vary a superannuation contribution. It's a stupid name, but I can do it on your behalf. Yeah. You don't have to fill out a form. I mean, I can send you the form to fill out if you really feel like it, but I can do it in three buttons. Fair. So what I do is you you you may you email me and say, hey. I made the 15,000 contribution. I'm claiming the $15,000. Please lodge. And I will literally go in and lodge it and email you confirmation that happened. What happens from there is the Superfund then processes, and you have twelve months from the end of the financial year to lodge that document. So just because you pay the make the payment today, you don't have to lodge that notice of intent to claim until the June 30 year. Obviously, I would recommend we do it sooner rather than later and before you do your tax return. Correct. Yes. It has to be done before you do your tax return. So we lodge that form. The super fund pays the 15%. So now, technically, the money is being double taxed. Taxed at your marginal rate, taxed at the superannuation rate. The super fund gives you a receipt. You take that receipt and you submit and lodge it with your accountant during your tax return, and it all comes back. Yeah. Just shy of about 12 and a half. No. Yeah. Yeah. Would you like me to email it to you just so that way there's no confusion? Because there is four different contribution. It's just there's two different contribution types, and they have two different methods to be able to pay. They have an ETF and a BPAY. And BPAY is faster and more efficient on how it gets allocated versus ETF or electronic funds transfer. And I don't want you to accidentally use the wrong reference number and, a, add it to someone else's account or, b, make the contribution in the wrong manner. So I will email the details for you. Yeah. It's like, it's it's not hard to navigate it once you learn how to navigate it. But, yeah, it's just it's under the contribution details tab in that menu. It's just they have the ETF and they have BPAY. ETF, I actually find, takes a little bit longer to allocate to the account because it's a manual allocation versus the BPAY because it has a numerical reference number. It allocates literally it's actually straight away. But there's two different reference numbers. One's for a member voluntary and one's for a spousal contribution, and I have had clients mess it up before, put the spousal contribution in. So I'm kind of a little bit, you know, burnt once. Yeah. I'm I'm at I'm at third once. Don't do it yeah. So I will email them to you, and that way you have my direct email as well. You can let me know when you've made it and how much you've popped in. And what I do is, like, after this conversation, I'm gonna pop pop in my calendar for Friday to keep an eye on your account, and I'll log in and jump onto your account and have a look because you're not one of my clients. Your adviser, Tommy, is on the phone at the moment with other clients doing the same thing. And I know that you want to talk to someone, so I figured I'd jump on the phone. So I won't get the notification till his team will get it, but I'll I'll jump on on Friday, make sure that it's been there. I'll let you know that the money's hit and just confirm that I'm processing the notice of intent to claim, and that'll all go through. Okay? Amazing. Any other questions? Yep. And I will give you the numbers perfectly. Yes. Amazing. Awesome. Well, if there's any questions, feel free to reach out to me via email or just give me a call. Yes. Thank you. Indeed. Bye, 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Max. Larissa from o two Financial. How are you going? Yeah. Good.\n\nThank you. I finished up with my meetings a little bit earlier, and I figured I'd jump on and give you a call if now is okay. Cool. So, Samantha, let me know that you were just wanting to talk about some additional contributions. That's correct?\n\nYeah. Amazing. Alright. Well, before I jump into it, I do just let you need to let you know that our call is recorded. And if I could just get you confirmed security for me.\n\nJust full name, date of birth, address. Yep. And date of birth for me. Cool. Thanks.\n\nAlright. So explain what's happened so I can kind of advise and help from there. Yep. Yep. This financial year?\n\nOkay. Of your wage? Okay. Absolutely. Now your income for this year, a 150?\n\nFor the year. Okay. Perfect. That that works nicely. Okay.\n\nSo $2.50 obviously pushes you into the highest tax bracket. Can you tell me on that pay slip, what superannuation contributions are scheduled to be paid for the year? Like, do you know if they pay weekly where that fits? Yes. No.\n\nThey don't. Yep. No. Being paid. No.\n\nThat's okay. I'm just logging in and battling with technology while I do it. Because I can tell you exactly what's been paid so far for the year and in what categories. So currently, 15,744 has been paid. Sorry.\n\nI'm looking at two different screens. I believe that's correct. Yes. Which by the sounds of it so if your employer is paying mid April, that means that they're probably not gonna pay those final pays until next financial year, and those will land mid July. So they're not gonna count towards this financial year, which means we have room to move this year in terms of how much we put in.\n\nThat's obviously cool. Yeah. No. Yeah. You've you've got plenty of room to be able to put put money in without affecting anything.\n\nYes. You do. Which I yeah. I was looking at as well. Yeah.\n\nSo I guess the the the biggest part is is that, obviously, $250,000 for the year means that you're paying about $88 worth of tax, which would have come out of the payments you've already like, the lump sum, it would have been taken out of that. It would have been taken out of your your take home pay or your your gross pay before you you you were paid it. So what is, I guess, the overall desired outcome with using your super fund? Because you can 100% have a very, very effective tax savings strategy by putting money into your super fund because currently, like, $60 of the money that you're being paid is being taxed at the highest tax bracket because anything over 190 fits into that high tax bracket. So any money that you would have put into your superannuation fund would essentially save on your income and give you a quite a sufficient with quite a good tax return.\n\nIt just depends on how much you wanna lock away. Yeah. Yep. Yep. Yep.\n\nYeah. Yep. Yeah. So, realistically speaking, what's gonna happen is any money that you put in and, like, because we're very, very close to the end of financial year. You have a little but you're kind of running out of days really quick.\n\nYou basically have up until I don't wanna push it anything more than Friday to put money in. I generally tell clients not to push anything further than Friday. So what you what you would do is you just make a contribution, and that can be made anytime between, like, now and Friday or now and the end of the financial year realistically, but the money has to be in your account, which is why I say Friday. Today's the twenty third. The financial year ends on Tuesday.\n\nYes. It will. It'll clear it'll clear by Tuesday. Realistically, I have clients that put money in on Monday, like, on the day before financial year and it clears. But it's always like a hold on to your seat, ladies and gentlemen, wearing for a bumpy twenty four hours.\n\nSo, yeah, I just I I never like you know, stress is just not worth it. This this this time of year is already stressful enough for those in finance. So what you what we do from there is once the money's in, we can all take a sigh of relief because what would need to happen is you need to submit what's called a notice intent to claim. And, basically, what that does is that informs the super fund to charge the 15% super tax rate, which means that you are then able to claim back on your tax return, the tax the marginal rate that you've paid. So to put that in perspective, let's just say, so your 250,000 is what you've earned for the year, which means that you've paid $88,138 in income tax, and that's income tax.\n\nAnd you will have been hit with division two nine three and Medicare levy and all the rest of the stuff. Right? If you were to put $20 in just because I'm keeping to round numbers because I'm a little bit lazy at this time of day, but pre lunch, what's gonna happen is your income tax will drop down to only being well, I say only, but to having owed 75,378, which means you're getting $12 back. $1,212,760 dollars back on the 20 grand that you put into your super fund. So you're putting $20 in, you'll get money back.\n\nThis is without considering any potential tax deductions you may be able to claim on and anything else that may pop up in your tax return, but that's just purely the numbers between the two. So you're not gonna get dollar for dollar, but you're gonna get a bit. Oh, that's not I mean, that's not even hitting the 30%. Like, if you put $60 in, you're gonna push yourself completely out of that highest 47% tax bracket. But it it what it is is because that money is being charged at that 47% rate, that's why you're getting so much back.\n\nTo vision two nine three. Yep. It is. Yeah. Correct.\n\nNo. You're not. It's a no it's at a lesser amount though, which is cool. But yeah. Yep.\n\nIt's yeah. No. It's it's the first one. It's less complicated. Everyone tries to overcomplicate it.\n\nIt's okay. So money goes in, and because you've already paid your marginal tax rate, the money actually goes in tax free, as in no money, no taxes being paid from the super fund. It goes straight in from your bank account to to the bank account owned by your super fund and gets allocated to your account based on the reference that you use. From there, you email me, call me, let me know, and I can lodge what's called a notice of intention to claim or vary a superannuation contribution. It's a stupid name, but I can do it on your behalf.\n\nYeah. You don't have to fill out a form. I mean, I can send you the form to fill out if you really feel like it, but I can do it in three buttons. Fair. So what I do is you you you may you email me and say, hey.\n\nI made the 15,000 contribution. I'm claiming the $15,000. Please lodge. And I will literally go in and lodge it and email you confirmation that happened. What happens from there is the Superfund then processes, and you have twelve months from the end of the financial year to lodge that document.\n\nSo just because you pay the make the payment today, you don't have to lodge that notice of intent to claim until the June 30 year. Obviously, I would recommend we do it sooner rather than later and before you do your tax return. Correct. Yes. It has to be done before you do your tax return.\n\nSo we lodge that form. The super fund pays the 15%. So now, technically, the money is being double taxed. Taxed at your marginal rate, taxed at the superannuation rate. The super fund gives you a receipt.\n\nYou take that receipt and you submit and lodge it with your accountant during your tax return, and it all comes back. Yeah. Just shy of about 12 and a half. No. Yeah.\n\nYeah. Would you like me to email it to you just so that way there's no confusion? Because there is four different contribution. It's just there's two different contribution types, and they have two different methods to be able to pay. They have an ETF and a BPAY.\n\nAnd BPAY is faster and more efficient on how it gets allocated versus ETF or electronic funds transfer. And I don't want you to accidentally use the wrong reference number and, a, add it to someone else's account or, b, make the contribution in the wrong manner. So I will email the details for you. Yeah. It's like, it's it's not hard to navigate it once you learn how to navigate it.\n\nBut, yeah, it's just it's under the contribution details tab in that menu. It's just they have the ETF and they have BPAY. ETF, I actually find, takes a little bit longer to allocate to the account because it's a manual allocation versus the BPAY because it has a numerical reference number. It allocates literally it's actually straight away. But there's two different reference numbers.\n\nOne's for a member voluntary and one's for a spousal contribution, and I have had clients mess it up before, put the spousal contribution in. So I'm kind of a little bit, you know, burnt once. Yeah. I'm I'm at I'm at third once. Don't do it yeah.\n\nSo I will email them to you, and that way you have my direct email as well. You can let me know when you've made it and how much you've popped in. And what I do is, like, after this conversation, I'm gonna pop pop in my calendar for Friday to keep an eye on your account, and I'll log in and jump onto your account and have a look because you're not one of my clients. Your adviser, Tommy, is on the phone at the moment with other clients doing the same thing. And I know that you want to talk to someone, so I figured I'd jump on the phone.\n\nSo I won't get the notification till his team will get it, but I'll I'll jump on on Friday, make sure that it's been there. I'll let you know that the money's hit and just confirm that I'm processing the notice of intent to claim, and that'll all go through. Okay? Amazing. Any other questions?\n\nYep. And I will give you the numbers perfectly. Yes. Amazing. Awesome.\n\nWell, if there's any questions, feel free to reach out to me via email or just give me a call. Yes. Thank you. Indeed. Bye, Max.","paragraphs":[{"sentences":[{"text":"Hi, Max.","start":2.96,"end":3.76,"sentiment":"neutral","sentiment_score":0.1602858453989029},{"text":"Larissa from o two Financial.","start":3.76,"end":5.2799997,"sentiment":"neutral","sentiment_score":0.14360804706811905},{"text":"How are you going?","start":5.2799997,"end":6.18,"sentiment":"neutral","sentiment_score":0.179177887737751},{"text":"Yeah.","start":8.16,"end":8.639999,"sentiment":"neutral","sentiment_score":0.25789785385131836},{"text":"Good.","start":8.639999,"end":9.12,"sentiment":"positive","sentiment_score":0.6130349636077881}],"sentiment":"neutral","sentiment_score":0.2020197149652701,"num_words":13,"start":2.96,"end":9.12},{"sentences":[{"text":"Thank you.","start":9.12,"end":9.94,"sentiment":"positive","sentiment_score":0.6824537813663483},{"text":"I finished up with my meetings a little bit earlier, and I figured I'd jump on and give you a call if now is okay.","start":10.32,"end":14.9,"sentiment":"neutral","sentiment_score":0.2091953933238983},{"text":"Cool.","start":16.895,"end":17.395,"sentiment":"positive","sentiment_score":0.3473348617553711},{"text":"So, Samantha, let me know that you were just wanting to talk about some additional contributions.","start":17.615,"end":22.035,"sentiment":"neutral","sentiment_score":0.10573582048527896},{"text":"That's correct?","start":22.095001,"end":22.915,"sentiment":"neutral","sentiment_score":0.09096302092075348}],"sentiment":"neutral","sentiment_score":0.19164840059111948,"num_words":46,"start":9.12,"end":22.915},{"sentences":[{"text":"Yeah.","start":24.575,"end":24.975,"sentiment":"neutral","sentiment_score":0.286842942237854},{"text":"Amazing.","start":24.975,"end":25.375,"sentiment":"positive","sentiment_score":0.5429001450538635},{"text":"Alright.","start":25.375,"end":25.615,"sentiment":"neutral","sentiment_score":0.3010600805282593},{"text":"Well, before I jump into it, I do just let you need to let you know that our call is recorded.","start":25.615,"end":29.75,"sentiment":"neutral","sentiment_score":0.08450265228748322},{"text":"And if I could just get you confirmed security for me.","start":29.75,"end":32.489998,"sentiment":"neutral","sentiment_score":0.11115516925399954}],"sentiment":"neutral","sentiment_score":0.11794473507574627,"num_words":35,"start":24.575,"end":32.489998},{"sentences":[{"text":"Just full name, date of birth, address.","start":32.79,"end":34.25,"sentiment":"neutral","sentiment_score":0.04970671023641314},{"text":"Yep.","start":38.95,"end":39.45,"sentiment":"neutral","sentiment_score":0.044719766825437546},{"text":"And date of birth for me.","start":42.805,"end":44.105,"sentiment":"neutral","sentiment_score":0.026465165118376415},{"text":"Cool.","start":46.405,"end":46.725,"sentiment":"neutral","sentiment_score":0.31917643547058105},{"text":"Thanks.","start":46.725,"end":47.225,"sentiment":"positive","sentiment_score":0.3594738245010376}],"sentiment":"neutral","sentiment_score":0.07688174932263792,"num_words":16,"start":32.79,"end":47.225},{"sentences":[{"text":"Alright.","start":47.765,"end":48.265,"sentiment":"neutral","sentiment_score":0.11453819274902344},{"text":"So explain what's happened so I can kind of advise and help from there.","start":48.324997,"end":56.95,"sentiment":"neutral","sentiment_score":0.049499285008226125},{"text":"Yep.","start":65.729996,"end":66.229996,"sentiment":"neutral","sentiment_score":0.010445170104503632},{"text":"Yep.","start":72.005005,"end":72.505005,"sentiment":"neutral","sentiment_score":-0.0008977428078651428},{"text":"This financial year?","start":74.165,"end":75.465004,"sentiment":"neutral","sentiment_score":-0.005492153422286113}],"sentiment":"neutral","sentiment_score":0.04002995749469847,"num_words":20,"start":47.765,"end":75.465004},{"sentences":[{"text":"Okay.","start":75.525,"end":76.025,"sentiment":"neutral","sentiment_score":0.014934184029698372},{"text":"Of your wage?","start":79.14,"end":80.520004,"sentiment":"neutral","sentiment_score":0.006795352324843407},{"text":"Okay.","start":80.74,"end":81.24,"sentiment":"neutral","sentiment_score":0.005605049431324005},{"text":"Absolutely.","start":82.82,"end":83.32,"sentiment":"neutral","sentiment_score":0.07407121360301971},{"text":"Now your income for this year, a 150?","start":83.380005,"end":86.28,"sentiment":"neutral","sentiment_score":0.02132928417995572}],"sentiment":"neutral","sentiment_score":0.02040219839130129,"num_words":14,"start":75.525,"end":86.28},{"sentences":[{"text":"For the year.","start":96.675,"end":97.495,"sentiment":"neutral","sentiment_score":-0.0030596169332663217},{"text":"Okay.","start":97.635,"end":98.135,"sentiment":"neutral","sentiment_score":0.06802074611186981},{"text":"Perfect.","start":99.555,"end":100.055,"sentiment":"positive","sentiment_score":0.5800749659538269},{"text":"That that works nicely.","start":100.115,"end":101.575,"sentiment":"positive","sentiment_score":0.5309429466724396},{"text":"Okay.","start":101.875,"end":102.275,"sentiment":"neutral","sentiment_score":0.0628892034292221}],"sentiment":"neutral","sentiment_score":0.28255778513848784,"num_words":10,"start":96.675,"end":102.275},{"sentences":[{"text":"So $2.50 obviously pushes you into the highest tax bracket.","start":102.275,"end":107.57,"sentiment":"neutral","sentiment_score":-0.0195652911439538},{"text":"Can you tell me on that pay slip, what superannuation contributions are scheduled to be paid for the year?","start":107.57,"end":115.57,"sentiment":"neutral","sentiment_score":-0.008693868490426164},{"text":"Like, do you know if they pay weekly where that fits?","start":115.57,"end":120.024994,"sentiment":"neutral","sentiment_score":-0.0012586763636632402},{"text":"Yes.","start":136.42,"end":136.90001,"sentiment":"neutral","sentiment_score":0.04767664521932602},{"text":"No.","start":136.90001,"end":137.3,"sentiment":"neutral","sentiment_score":-0.09737877547740936}],"sentiment":"neutral","sentiment_score":-0.010104380548000336,"num_words":42,"start":102.275,"end":137.3},{"sentences":[{"text":"They don't.","start":137.3,"end":138.04001,"sentiment":"neutral","sentiment_score":-0.15001638606190681},{"text":"Yep.","start":140.5,"end":141.0,"sentiment":"neutral","sentiment_score":0.0689796507358551},{"text":"No.","start":188.64,"end":189.14,"sentiment":"negative","sentiment_score":-0.3604627251625061},{"text":"Being paid.","start":191.855,"end":198.095,"sentiment":"neutral","sentiment_score":-0.03129138704389334},{"text":"No.","start":198.095,"end":198.41501,"sentiment":"neutral","sentiment_score":-0.1238931566476822}],"sentiment":"neutral","sentiment_score":-0.11114168246941906,"num_words":7,"start":137.3,"end":198.41501},{"sentences":[{"text":"That's okay.","start":198.41501,"end":199.05501,"sentiment":"neutral","sentiment_score":-0.013406917452812195},{"text":"I'm just logging in and battling with technology while I do it.","start":199.05501,"end":202.275,"sentiment":"neutral","sentiment_score":-0.011166416314760378},{"text":"Because I can tell you exactly what's been paid so far for the year and in what categories.","start":203.44,"end":211.78,"sentiment":"neutral","sentiment_score":0.14639595730437172},{"text":"So currently, 15,744 has been paid.","start":212.56,"end":217.38,"sentiment":"neutral","sentiment_score":0.11681045467654864},{"text":"Sorry.","start":224.455,"end":224.955,"sentiment":"neutral","sentiment_score":-0.04098222777247429}],"sentiment":"neutral","sentiment_score":0.08036402310468614,"num_words":39,"start":198.41501,"end":224.955},{"sentences":[{"text":"I'm looking at two different screens.","start":225.655,"end":227.19499,"sentiment":"neutral","sentiment_score":-0.016322788471976917},{"text":"I believe that's correct.","start":228.135,"end":229.495,"sentiment":"neutral","sentiment_score":0.021634005941450596},{"text":"Yes.","start":229.495,"end":229.995,"sentiment":"neutral","sentiment_score":0.061647187918424606},{"text":"Which by the sounds of it so if your employer is paying mid April, that means that they're probably not gonna pay those final pays until next financial year, and those will land mid July.","start":230.375,"end":242.28,"sentiment":"neutral","sentiment_score":-0.06086536821510111},{"text":"So they're not gonna count towards this financial year, which means we have room to move this year in terms of how much we put in.","start":244.355,"end":251.815,"sentiment":"neutral","sentiment_score":-0.1483901094358701}],"sentiment":"neutral","sentiment_score":-0.08247478127789994,"num_words":72,"start":225.655,"end":251.815},{"sentences":[{"text":"That's obviously cool.","start":252.035,"end":256.87,"sentiment":"neutral","sentiment_score":0.12229901055494945},{"text":"Yeah.","start":260.85,"end":261.35,"sentiment":"neutral","sentiment_score":0.03253394365310669},{"text":"No.","start":269.98502,"end":270.225,"sentiment":"neutral","sentiment_score":-0.01447589322924614},{"text":"Yeah.","start":270.225,"end":270.385,"sentiment":"neutral","sentiment_score":0.08531206846237183},{"text":"You've you've got plenty of room to be able to put put money in without affecting anything.","start":270.385,"end":274.80502,"sentiment":"neutral","sentiment_score":0.33127040547483105}],"sentiment":"neutral","sentiment_score":0.26529843667926994,"num_words":23,"start":252.035,"end":274.80502},{"sentences":[{"text":"Yes.","start":277.665,"end":278.065,"sentiment":"neutral","sentiment_score":0.14443913102149963},{"text":"You do.","start":278.065,"end":278.80502,"sentiment":"neutral","sentiment_score":0.1786048859357834},{"text":"Which I yeah.","start":279.825,"end":280.385,"sentiment":"neutral","sentiment_score":0.06165421257416407},{"text":"I was looking at as well.","start":280.385,"end":281.765,"sentiment":"neutral","sentiment_score":0.039724117144942284},{"text":"Yeah.","start":284.88,"end":285.36,"sentiment":"neutral","sentiment_score":0.014456738717854025}],"sentiment":"neutral","sentiment_score":0.07226253709254357,"num_words":13,"start":277.665,"end":285.36},{"sentences":[{"text":"So I guess the the the biggest part is is that, obviously, $250,000 for the year means that you're paying about $88 worth of tax, which would have come out of the payments you've already like, the lump sum, it would have been taken out of that.","start":285.36,"end":304.435,"sentiment":"neutral","sentiment_score":-0.17400859320100318},{"text":"It would have been taken out of your your take home pay or your your gross pay before you you you were paid it.","start":304.435,"end":309.65,"sentiment":"neutral","sentiment_score":-0.11458822044854362},{"text":"So what is, I guess, the overall desired outcome with using your super fund?","start":310.03,"end":317.15,"sentiment":"neutral","sentiment_score":0.2970612442919186},{"text":"Because you can 100% have a very, very effective tax savings strategy by putting money into your super fund because currently, like, $60 of the money that you're being paid is being taxed at the highest tax bracket because anything over 190 fits into that high tax bracket.","start":317.15,"end":335.14502,"sentiment":"neutral","sentiment_score":0.28561361638518673},{"text":"So any money that you would have put into your superannuation fund would essentially save on your income and give you a quite a sufficient with quite a good tax return.","start":335.285,"end":348.49,"sentiment":"positive","sentiment_score":0.5806727322839922}],"sentiment":"neutral","sentiment_score":0.1520771008302889,"num_words":164,"start":285.36,"end":348.49},{"sentences":[{"text":"It just depends on how much you wanna lock away.","start":349.685,"end":351.785,"sentiment":"neutral","sentiment_score":-0.04620814360678196},{"text":"Yeah.","start":355.765,"end":356.265,"sentiment":"neutral","sentiment_score":-0.12049467116594316},{"text":"Yep.","start":370.97998,"end":371.47998,"sentiment":"neutral","sentiment_score":-0.030062150210142136},{"text":"Yep.","start":381.23502,"end":381.73502,"sentiment":"neutral","sentiment_score":0.1465146392583847},{"text":"Yep.","start":385.075,"end":385.315,"sentiment":"neutral","sentiment_score":0.13069301843643188}],"sentiment":"neutral","sentiment_score":-0.023959328553506305,"num_words":14,"start":349.685,"end":385.315},{"sentences":[{"text":"Yeah.","start":385.315,"end":385.815,"sentiment":"neutral","sentiment_score":0.16133855283260343},{"text":"Yep.","start":388.92,"end":389.42,"sentiment":"neutral","sentiment_score":0.10461488366127014},{"text":"Yeah.","start":390.68,"end":391.18,"sentiment":"neutral","sentiment_score":-0.0058747814036905766},{"text":"So, realistically speaking, what's gonna happen is any money that you put in and, like, because we're very, very close to the end of financial year.","start":392.76,"end":400.76,"sentiment":"neutral","sentiment_score":-0.027665527877756037},{"text":"You have a little but you're kind of running out of days really quick.","start":400.76,"end":403.895,"sentiment":"negative","sentiment_score":-0.33998119618211475}],"sentiment":"neutral","sentiment_score":-0.12137120502979257,"num_words":43,"start":385.315,"end":403.895},{"sentences":[{"text":"You basically have up until I don't wanna push it anything more than Friday to put money in.","start":405.635,"end":410.995,"sentiment":"neutral","sentiment_score":-0.0211988462963038},{"text":"I generally tell clients not to push anything further than Friday.","start":410.995,"end":414.215,"sentiment":"neutral","sentiment_score":-0.015960026871074333},{"text":"So what you what you would do is you just make a contribution, and that can be made anytime between, like, now and Friday or now and the end of the financial year realistically, but the money has to be in your account, which is why I say Friday.","start":416.24,"end":426.66,"sentiment":"neutral","sentiment_score":0.18851609497654195},{"text":"Today's the twenty third.","start":430.505,"end":432.125,"sentiment":"neutral","sentiment_score":0.04092810582369566},{"text":"The financial year ends on Tuesday.","start":432.745,"end":434.765,"sentiment":"neutral","sentiment_score":0.010787322806815306}],"sentiment":"neutral","sentiment_score":0.10123392596671527,"num_words":88,"start":405.635,"end":434.765},{"sentences":[{"text":"Yes.","start":438.025,"end":438.525,"sentiment":"neutral","sentiment_score":0.11290093511343002},{"text":"It will.","start":441.47998,"end":442.03998,"sentiment":"neutral","sentiment_score":0.1559983640909195},{"text":"It'll clear it'll clear by Tuesday.","start":442.03998,"end":443.9,"sentiment":"neutral","sentiment_score":0.1479858917494615},{"text":"Realistically, I have clients that put money in on Monday, like, on the day before financial year and it clears.","start":444.28,"end":448.94,"sentiment":"neutral","sentiment_score":0.1649504080414772},{"text":"But it's always like a hold on to your seat, ladies and gentlemen, wearing for a bumpy twenty four hours.","start":449.0,"end":454.86,"sentiment":"neutral","sentiment_score":-0.16370544377714397}],"sentiment":"neutral","sentiment_score":0.02730025100160618,"num_words":49,"start":438.025,"end":454.86},{"sentences":[{"text":"So, yeah, I just I I never like you know, stress is just not worth it.","start":459.345,"end":463.10498,"sentiment":"negative","sentiment_score":-0.529921367764473},{"text":"This this this time of year is already stressful enough for those in finance.","start":463.10498,"end":466.405,"sentiment":"negative","sentiment_score":-0.6661224024636405},{"text":"So what you what we do from there is once the money's in, we can all take a sigh of relief because what would need to happen is you need to submit what's called a notice intent to claim.","start":469.185,"end":477.89,"sentiment":"neutral","sentiment_score":0.10177176006329365},{"text":"And, basically, what that does is that informs the super fund to charge the 15% super tax rate, which means that you are then able to claim back on your tax return, the tax the marginal rate that you've paid.","start":477.89,"end":491.395,"sentiment":"neutral","sentiment_score":0.11535463593900204},{"text":"So to put that in perspective, let's just say, so your 250,000 is what you've earned for the year, which means that you've paid $88,138 in income tax, and that's income tax.","start":491.395,"end":504.62,"sentiment":"neutral","sentiment_score":0.02518723570392467}],"sentiment":"neutral","sentiment_score":-0.059682126923180215,"num_words":141,"start":459.345,"end":504.62},{"sentences":[{"text":"And you will have been hit with division two nine three and Medicare levy and all the rest of the stuff.","start":504.62,"end":509.66,"sentiment":"neutral","sentiment_score":-0.14237955673819497},{"text":"Right?","start":509.66,"end":510.16,"sentiment":"neutral","sentiment_score":-0.002356700599193573},{"text":"If you were to put $20 in just because I'm keeping to round numbers because I'm a little bit lazy at this time of day, but pre lunch, what's gonna happen is your income tax will drop down to only being well, I say only, but to having owed 75,378, which means you're getting $12 back.","start":511.005,"end":530.82,"sentiment":"neutral","sentiment_score":-0.08490612015261181},{"text":"$1,212,760 dollars back on the 20 grand that you put into your super fund.","start":530.82,"end":535.54004,"sentiment":"neutral","sentiment_score":0.21278561971017293},{"text":"So you're putting $20 in, you'll get money back.","start":535.54004,"end":537.88,"sentiment":"neutral","sentiment_score":0.2817183319065306}],"sentiment":"neutral","sentiment_score":-0.022105014431152013,"num_words":101,"start":504.62,"end":537.88},{"sentences":[{"text":"This is without considering any potential tax deductions you may be able to claim on and anything else that may pop up in your tax return, but that's just purely the numbers between the two.","start":538.025,"end":548.265,"sentiment":"neutral","sentiment_score":-0.03008199009512152},{"text":"So you're not gonna get dollar for dollar, but you're gonna get a bit.","start":548.265,"end":551.165,"sentiment":"neutral","sentiment_score":0.0004244234545954636},{"text":"Oh, that's not I mean, that's not even hitting the 30%.","start":555.36005,"end":558.0,"sentiment":"neutral","sentiment_score":-0.1375760862773115},{"text":"Like, if you put $60 in, you're gonna push yourself completely out of that highest 47% tax bracket.","start":558.0,"end":565.30005,"sentiment":"neutral","sentiment_score":-0.252468535469638},{"text":"But it it what it is is because that money is being charged at that 47% rate, that's why you're getting so much back.","start":566.57495,"end":574.27496,"sentiment":"neutral","sentiment_score":-0.12416499728957812}],"sentiment":"neutral","sentiment_score":-0.09886919850410492,"num_words":102,"start":538.025,"end":574.27496},{"sentences":[{"text":"To vision two nine three.","start":586.43,"end":587.95,"sentiment":"neutral","sentiment_score":0.0031448045745491983},{"text":"Yep.","start":587.95,"end":588.45,"sentiment":"neutral","sentiment_score":0.015074461698532104},{"text":"It is.","start":593.72504,"end":594.205,"sentiment":"neutral","sentiment_score":0.015771477483212948},{"text":"Yeah.","start":594.205,"end":594.705,"sentiment":"neutral","sentiment_score":0.018565136939287186},{"text":"Correct.","start":599.085,"end":599.585,"sentiment":"neutral","sentiment_score":-0.03385341167449951}],"sentiment":"neutral","sentiment_score":0.004705316480249166,"num_words":10,"start":586.43,"end":599.585},{"sentences":[{"text":"No.","start":600.28503,"end":600.525,"sentiment":"neutral","sentiment_score":-0.1692085564136505},{"text":"You're not.","start":600.525,"end":601.185,"sentiment":"neutral","sentiment_score":-0.19066651165485382},{"text":"It's a no it's at a lesser amount though, which is cool.","start":603.81,"end":606.44495,"sentiment":"neutral","sentiment_score":0.08197942085098475},{"text":"But yeah.","start":606.44495,"end":607.35,"sentiment":"neutral","sentiment_score":0.06535779498517513},{"text":"Yep.","start":611.88995,"end":612.38995,"sentiment":"neutral","sentiment_score":0.06716768443584442}],"sentiment":"neutral","sentiment_score":0.035060819160814084,"num_words":18,"start":600.28503,"end":612.38995},{"sentences":[{"text":"It's yeah.","start":627.49,"end":635.27,"sentiment":"neutral","sentiment_score":0.002051654737442732},{"text":"No.","start":636.93,"end":637.43,"sentiment":"neutral","sentiment_score":-0.32792168855667114},{"text":"It's it's the first one.","start":638.05,"end":639.33,"sentiment":"neutral","sentiment_score":0.12128651291131973},{"text":"It's less complicated.","start":639.33,"end":640.15,"sentiment":"neutral","sentiment_score":0.09612319370110829},{"text":"Everyone tries to overcomplicate it.","start":640.61005,"end":641.97003,"sentiment":"negative","sentiment_score":-0.4290291368961334}],"sentiment":"neutral","sentiment_score":-0.09838511986890808,"num_words":16,"start":627.49,"end":641.97003},{"sentences":[{"text":"It's okay.","start":641.97003,"end":642.61005,"sentiment":"neutral","sentiment_score":0.31476451456546783},{"text":"So money goes in, and because you've already paid your marginal tax rate, the money actually goes in tax free, as in no money, no taxes being paid from the super fund.","start":642.61005,"end":651.565,"sentiment":"positive","sentiment_score":0.49938692431896925},{"text":"It goes straight in from your bank account to to the bank account owned by your super fund and gets allocated to your account based on the reference that you use.","start":654.425,"end":662.91003,"sentiment":"neutral","sentiment_score":0.27573701883516005},{"text":"From there, you email me, call me, let me know, and I can lodge what's called a notice of intention to claim or vary a superannuation contribution.","start":663.13,"end":671.765,"sentiment":"neutral","sentiment_score":0.1276522805845296},{"text":"It's a stupid name, but I can do it on your behalf.","start":672.465,"end":676.705,"sentiment":"neutral","sentiment_score":-0.0975638646632433}],"sentiment":"neutral","sentiment_score":0.2637846479908778,"num_words":104,"start":641.97003,"end":676.705},{"sentences":[{"text":"Yeah.","start":676.705,"end":677.205,"sentiment":"neutral","sentiment_score":0.08117257803678513},{"text":"You don't have to fill out a form.","start":677.265,"end":678.305,"sentiment":"neutral","sentiment_score":0.09019341133534908},{"text":"I mean, I can send you the form to fill out if you really feel like it, but I can do it in three buttons.","start":678.305,"end":682.485,"sentiment":"neutral","sentiment_score":0.0009439393877983093},{"text":"Fair.","start":684.6,"end":685.1,"sentiment":"neutral","sentiment_score":0.15809965133666992},{"text":"So what I do is you you you may you email me and say, hey.","start":685.64,"end":688.83997,"sentiment":"neutral","sentiment_score":0.22683259546756745}],"sentiment":"neutral","sentiment_score":0.08773813873529435,"num_words":50,"start":676.705,"end":688.83997},{"sentences":[{"text":"I made the 15,000 contribution.","start":688.83997,"end":690.3,"sentiment":"neutral","sentiment_score":0.3129148304462433},{"text":"I'm claiming the $15,000.","start":690.36,"end":692.12,"sentiment":"neutral","sentiment_score":0.2935223802924156},{"text":"Please lodge.","start":692.12,"end":692.94,"sentiment":"neutral","sentiment_score":0.24169127643108368},{"text":"And I will literally go in and lodge it and email you confirmation that happened.","start":693.07996,"end":696.62,"sentiment":"neutral","sentiment_score":0.3069368968407313},{"text":"What happens from there is the Superfund then processes, and you have twelve months from the end of the financial year to lodge that document.","start":696.68,"end":703.765,"sentiment":"neutral","sentiment_score":0.30129810988903044}],"sentiment":"neutral","sentiment_score":0.30114808678627014,"num_words":51,"start":688.83997,"end":703.765},{"sentences":[{"text":"So just because you pay the make the payment today, you don't have to lodge that notice of intent to claim until the June 30 year.","start":703.905,"end":712.885,"sentiment":"neutral","sentiment_score":0.24948993095984826},{"text":"Obviously, I would recommend we do it sooner rather than later and before you do your tax return.","start":713.81,"end":717.67,"sentiment":"neutral","sentiment_score":-0.08430934904350175},{"text":"Correct.","start":721.01,"end":721.51,"sentiment":"neutral","sentiment_score":0.08262263238430023},{"text":"Yes.","start":721.97,"end":722.37,"sentiment":"neutral","sentiment_score":0.10182267427444458},{"text":"It has to be done before you do your tax return.","start":722.37,"end":724.05,"sentiment":"neutral","sentiment_score":0.038243069567463615}],"sentiment":"neutral","sentiment_score":0.09779454375568189,"num_words":57,"start":703.905,"end":724.05},{"sentences":[{"text":"So we lodge that form.","start":724.05,"end":725.35,"sentiment":"neutral","sentiment_score":0.07409064248204231},{"text":"The super fund pays the 15%.","start":725.49,"end":727.51,"sentiment":"neutral","sentiment_score":0.10010304177800815},{"text":"So now, technically, the money is being double taxed.","start":727.605,"end":729.845,"sentiment":"neutral","sentiment_score":0.005712381874521573},{"text":"Taxed at your marginal rate, taxed at the superannuation rate.","start":729.845,"end":732.745,"sentiment":"neutral","sentiment_score":0.07674304544925689},{"text":"The super fund gives you a receipt.","start":733.20496,"end":734.885,"sentiment":"neutral","sentiment_score":0.24652351651872909}],"sentiment":"neutral","sentiment_score":0.0950156208127737,"num_words":37,"start":724.05,"end":734.885},{"sentences":[{"text":"You take that receipt and you submit and lodge it with your accountant during your tax return, and it all comes back.","start":734.885,"end":741.545,"sentiment":"neutral","sentiment_score":0.21053875508633527},{"text":"Yeah.","start":743.94,"end":744.44,"sentiment":"positive","sentiment_score":0.3489539623260498},{"text":"Just shy of about 12 and a half.","start":749.86005,"end":751.96,"sentiment":"neutral","sentiment_score":0.06251633516512811},{"text":"No.","start":759.315,"end":759.815,"sentiment":"neutral","sentiment_score":-0.07523991167545319},{"text":"Yeah.","start":762.19495,"end":762.69495,"sentiment":"neutral","sentiment_score":0.09878312051296234}],"sentiment":"neutral","sentiment_score":0.16680243831466546,"num_words":33,"start":734.885,"end":762.69495},{"sentences":[{"text":"Yeah.","start":775.73,"end":776.23,"sentiment":"neutral","sentiment_score":0.10553376376628876},{"text":"Would you like me to email it to you just so that way there's no confusion?","start":776.52997,"end":779.89,"sentiment":"neutral","sentiment_score":0.09715161682106555},{"text":"Because there is four different contribution.","start":779.89,"end":783.425,"sentiment":"neutral","sentiment_score":-0.03105680209894975},{"text":"It's just there's two different contribution types, and they have two different methods to be able to pay.","start":784.685,"end":788.52496,"sentiment":"neutral","sentiment_score":0.05108242119765944},{"text":"They have an ETF and a BPAY.","start":788.52496,"end":790.065,"sentiment":"neutral","sentiment_score":0.07589411575879369}],"sentiment":"neutral","sentiment_score":0.060924191920397185,"num_words":48,"start":775.73,"end":790.065},{"sentences":[{"text":"And BPAY is faster and more efficient on how it gets allocated versus ETF or electronic funds transfer.","start":791.40497,"end":798.96,"sentiment":"neutral","sentiment_score":0.17135134090979895},{"text":"And I don't want you to accidentally use the wrong reference number and, a, add it to someone else's account or, b, make the contribution in the wrong manner.","start":799.98,"end":809.09503,"sentiment":"neutral","sentiment_score":-0.15781755218731947},{"text":"So I will email the details for you.","start":810.59503,"end":812.935,"sentiment":"neutral","sentiment_score":0.037671555764973164},{"text":"Yeah.","start":819.65,"end":819.97003,"sentiment":"neutral","sentiment_score":-0.03339608013629913},{"text":"It's like, it's it's not hard to navigate it once you learn how to navigate it.","start":819.97003,"end":823.01,"sentiment":"neutral","sentiment_score":0.25165548268705606}],"sentiment":"neutral","sentiment_score":0.03891776683222917,"num_words":72,"start":791.40497,"end":823.01},{"sentences":[{"text":"But, yeah, it's just it's under the contribution details tab in that menu.","start":823.01,"end":826.71,"sentiment":"neutral","sentiment_score":0.06749601662158966},{"text":"It's just they have the ETF and they have BPAY.","start":827.49005,"end":829.99005,"sentiment":"neutral","sentiment_score":0.03341480288654566},{"text":"ETF, I actually find, takes a little bit longer to allocate to the account because it's a manual allocation versus the BPAY because it has a numerical reference number.","start":830.21,"end":840.105,"sentiment":"neutral","sentiment_score":0.019551011653424336},{"text":"It allocates literally it's actually straight away.","start":840.645,"end":843.705,"sentiment":"neutral","sentiment_score":0.06045621154563768},{"text":"But there's two different reference numbers.","start":844.405,"end":845.925,"sentiment":"neutral","sentiment_score":-0.023588056676089764}],"sentiment":"neutral","sentiment_score":0.03169601113320543,"num_words":65,"start":823.01,"end":845.925},{"sentences":[{"text":"One's for a member voluntary and one's for a spousal contribution, and I have had clients mess it up before, put the spousal contribution in.","start":845.925,"end":851.41003,"sentiment":"neutral","sentiment_score":-0.041483402661979196},{"text":"So I'm kind of a little bit, you know, burnt once.","start":851.41003,"end":855.03,"sentiment":"neutral","sentiment_score":-0.17473031241785397},{"text":"Yeah.","start":858.45,"end":858.95,"sentiment":"neutral","sentiment_score":-0.006984002888202667},{"text":"I'm I'm at I'm at third once.","start":862.76495,"end":864.38495,"sentiment":"neutral","sentiment_score":-0.08535594759242875},{"text":"Don't do it yeah.","start":864.605,"end":865.82495,"sentiment":"neutral","sentiment_score":-0.07702316157519817}],"sentiment":"neutral","sentiment_score":-0.08066014136420563,"num_words":48,"start":845.925,"end":865.82495},{"sentences":[{"text":"So I will email them to you, and that way you have my direct email as well.","start":867.005,"end":870.045,"sentiment":"neutral","sentiment_score":0.1556185632944107},{"text":"You can let me know when you've made it and how much you've popped in.","start":870.045,"end":873.75,"sentiment":"neutral","sentiment_score":0.2921855688095093},{"text":"And what I do is, like, after this conversation, I'm gonna pop pop in my calendar for Friday to keep an eye on your account, and I'll log in and jump onto your account and have a look because you're not one of my clients.","start":874.31,"end":884.41,"sentiment":"neutral","sentiment_score":0.14473220246533552},{"text":"Your adviser, Tommy, is on the phone at the moment with other clients doing the same thing.","start":884.47,"end":889.475,"sentiment":"neutral","sentiment_score":0.039026894332731474},{"text":"And I know that you want to talk to someone, so I figured I'd jump on the phone.","start":889.695,"end":892.595,"sentiment":"neutral","sentiment_score":0.046590936784115106}],"sentiment":"neutral","sentiment_score":0.13431555611480558,"num_words":112,"start":867.005,"end":892.595},{"sentences":[{"text":"So I won't get the notification till his team will get it, but I'll I'll jump on on Friday, make sure that it's been there.","start":892.975,"end":897.935,"sentiment":"neutral","sentiment_score":0.11103367999196052},{"text":"I'll let you know that the money's hit and just confirm that I'm processing the notice of intent to claim, and that'll all go through.","start":897.935,"end":903.77,"sentiment":"neutral","sentiment_score":0.2843383026123047},{"text":"Okay?","start":903.77,"end":904.27,"sentiment":"neutral","sentiment_score":0.1640203893184662},{"text":"Amazing.","start":906.57,"end":907.07,"sentiment":"positive","sentiment_score":0.7304035425186157},{"text":"Any other questions?","start":907.93,"end":908.83,"sentiment":"neutral","sentiment_score":0.04665779943267504}],"sentiment":"neutral","sentiment_score":0.19852176173166794,"num_words":55,"start":892.975,"end":908.83},{"sentences":[{"text":"Yep.","start":911.93,"end":912.43,"sentiment":"neutral","sentiment_score":0.11541102826595306},{"text":"And I will give you the numbers perfectly.","start":914.505,"end":917.16504,"sentiment":"neutral","sentiment_score":0.27295033261179924},{"text":"Yes.","start":917.22504,"end":917.72504,"sentiment":"neutral","sentiment_score":0.22759047150611875},{"text":"Amazing.","start":920.745,"end":921.245,"sentiment":"positive","sentiment_score":0.8681845664978027},{"text":"Awesome.","start":922.025,"end":922.525,"sentiment":"positive","sentiment_score":0.8434054851531982}],"sentiment":"positive","sentiment_score":0.3531828510264556,"num_words":12,"start":911.93,"end":922.525},{"sentences":[{"text":"Well, if there's any questions, feel free to reach out to me via email or just give me a call.","start":922.585,"end":926.28503,"sentiment":"neutral","sentiment_score":0.28756207078695295},{"text":"Yes.","start":929.10004,"end":929.42004,"sentiment":"positive","sentiment_score":0.36653220653533936},{"text":"Thank you.","start":929.42004,"end":929.98004,"sentiment":"positive","sentiment_score":0.7527701556682587},{"text":"Indeed.","start":929.98004,"end":930.48004,"sentiment":"positive","sentiment_score":0.4629566073417664},{"text":"Bye, Max.","start":932.86005,"end":933.68,"sentiment":"neutral","sentiment_score":0.10879257321357727}],"sentiment":"neutral","sentiment_score":0.3193790648992245,"num_words":26,"start":922.585,"end":933.68}]}}]},{"alternatives":[{"transcript":"Hello, Mark. Stand in. Oh, bad, Lewis. How are you? Yeah. Yeah. Sure. Yeah. Yeah. 75 Build A Crescent, Malinois. Oh, sorry. Four tenth of the tenth of seventy eight. So I departed a so I've left my position at QMS Media. And in doing that, I got a payout of six months pay, and that all happened at the beginning of June. Yeah. So I've essentially earned a 150% this financial year of what I was expecting. No. It's more than that. So the gross at the moment is $2.50 on my my last payslip is $2.50. So that's what that includes that payout. Yeah. It's it's a bit tricky, actually. I'm trying to work out what I'm expecting. So I had a look in Hub, and I can't see all the payments. So the most recent payments I can see because it doesn't really reference which month they were paying for. So they sort of do three payments three payments all at once. And I have a bit of a a guess at what they are. Where are we? So it's saying that so on the payment that I received on the fifth of this month, it's saying 4,172. That's for that month. However, I'd imagine that I haven't been paid for the May amount either, which is $16.64. So it's probably $16.64 plus the the $4.01 $7.02. So it's about, I don't know, close to 6 close to 6 grand that's gonna go on top of what's already been paid. And what's already been paid is about 15 something, I think, as far as I could tell. And I had a look at Hub. But the most recent of those payments is, like, the beginning of April. Is that right? Or mid April 1? Yeah. Yeah. Well, I've already asked my accountant I've already asked my accountant about this as well. And their their advice is that I've got, like, $60 up up my sleeve if I wanted to, which I don't want to. So I've got no issues with the upper limit as far as I can tell. Yeah. I've also got yeah. I've also got a carry forward balance, apparently. Yeah. Which is $6,262,000 or 6 yeah. Yes. Yep. Yep. Yeah. And I guess that's what I'm probably just juggling with at the moment. Because I think I mentioned to Sam that I probably got I probably don't wanna put more than 20, and I've I've gotta think over this next day or two where I don't wanna put that much because I don't have a job. So I've gotta I've gotta be careful with what I'm actually doing with it. So, yeah, I just I'm talking to my wife. I think that I'd probably be looking at, you know, 10 or 15 maybe to put in. What I probably just wanted to understand was how beneficial that would be. And, like, it does sound like the more the merrier, to be honest, up to up to pretty much to 60,000. Right? Yeah. Yeah. Yeah. Yep. Yeah. Okay. What is what's today? So '20 March six seven eight. But Monday is yeah. Okay. So Monday is the twenty ninth, isn't it? Oh, okay. So if I put something in Friday, it should clear by Tuesday, August. So yeah. Yeah. So I wanna yeah. Oh, yeah. Okay. Ross. Ross. Yep. Yep. Yep. Mhmm. Yep. Okay. So that's just the difference between the the 47% and the is it 30 in the next one down? Right. Okay. But if in terms of what just the when you say is it the 293, the VIN 2932732 whatever. 239 293. That's that that's still gonna be applicable though, isn't it? Yeah. Yeah. Because it's whether your total is above $2.50 in that. I'm not changing the total. It's just no. Okay. So does that mean yeah. Yeah. Okay. So when I put let's say I put 15 k in, will that will hub 24 then remove the 15% that it has to, and then I can completely remove that from my taxable income? Or does it look at the difference? Does it say, I've already paid the 15%, and so only the the difference between, what is it, fifteen and and forty seven is what I would be getting back, or is it less complicated than that? And nothing happens to it. So it just goes straight in. Yep. Mhmm. Yep. Uh-huh. And you guys can actually do that on my behalf. I don't have to fill that out. Yep. No. No. I don't have a printer that works. So But I need to do it oh, so so it has to be done before I do my tax return for this financial. Yeah. Yeah. Okay. Yep. Okay. Excellent. So how much did you say for 20 grands that I would be accessing? 12 and a half. And that's pretty linear between 10 20. Right? There's no no magical jumps throughout that. So if it was 10, it'd be, like, 6.25, whatever. Yeah. Okay. That makes it really easy. So to do that then, I would just go into Hub 24 and use the BPAY info to contribute. Yep. Yes. I'd hate to get it wrong. Yep. Yep. Yeah. Yeah. Yep. Yeah. I logged in I logged in yesterday, and I thought that I'd found something, but it would make a lot of sense for you to point me to exactly where I need to go. Yep. I did notice that there. Yeah. I did notice a difference between those. Look. I'm unlikely to get it wrong, but I don't I'll never say never. Oh, that'd be great. Yeah. Yep. Yep. Yep. Okay. Fantastic. Too easy. Well no. No. No. So you'll shoot through an email to me, and that'll point me where to go. Yeah. Perfect. Excellent. Alright. Fantastic. Thanks. 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Stand in. Oh, bad, Lewis. How are you? Yeah.\n\nYeah. Sure. Yeah. Yeah. 75 Build A Crescent, Malinois.\n\nOh, sorry. Four tenth of the tenth of seventy eight. So I departed a so I've left my position at QMS Media. And in doing that, I got a payout of six months pay, and that all happened at the beginning of June. Yeah.\n\nSo I've essentially earned a 150% this financial year of what I was expecting. No. It's more than that. So the gross at the moment is $2.50 on my my last payslip is $2.50. So that's what that includes that payout.\n\nYeah. It's it's a bit tricky, actually. I'm trying to work out what I'm expecting. So I had a look in Hub, and I can't see all the payments. So the most recent payments I can see because it doesn't really reference which month they were paying for.\n\nSo they sort of do three payments three payments all at once. And I have a bit of a a guess at what they are. Where are we? So it's saying that so on the payment that I received on the fifth of this month, it's saying 4,172. That's for that month.\n\nHowever, I'd imagine that I haven't been paid for the May amount either, which is $16.64. So it's probably $16.64 plus the the $4.01 $7.02. So it's about, I don't know, close to 6 close to 6 grand that's gonna go on top of what's already been paid. And what's already been paid is about 15 something, I think, as far as I could tell. And I had a look at Hub.\n\nBut the most recent of those payments is, like, the beginning of April. Is that right? Or mid April 1? Yeah. Yeah.\n\nWell, I've already asked my accountant I've already asked my accountant about this as well. And their their advice is that I've got, like, $60 up up my sleeve if I wanted to, which I don't want to. So I've got no issues with the upper limit as far as I can tell. Yeah. I've also got yeah.\n\nI've also got a carry forward balance, apparently. Yeah. Which is $6,262,000 or 6 yeah. Yes. Yep.\n\nYep. Yeah. And I guess that's what I'm probably just juggling with at the moment. Because I think I mentioned to Sam that I probably got I probably don't wanna put more than 20, and I've I've gotta think over this next day or two where I don't wanna put that much because I don't have a job. So I've gotta I've gotta be careful with what I'm actually doing with it.\n\nSo, yeah, I just I'm talking to my wife. I think that I'd probably be looking at, you know, 10 or 15 maybe to put in. What I probably just wanted to understand was how beneficial that would be. And, like, it does sound like the more the merrier, to be honest, up to up to pretty much to 60,000. Right?\n\nYeah. Yeah. Yeah. Yep. Yeah.\n\nOkay. What is what's today? So '20 March six seven eight. But Monday is yeah. Okay.\n\nSo Monday is the twenty ninth, isn't it? Oh, okay. So if I put something in Friday, it should clear by Tuesday, August. So yeah. Yeah.\n\nSo I wanna yeah. Oh, yeah. Okay. Ross. Ross.\n\nYep. Yep. Yep. Mhmm. Yep.\n\nOkay. So that's just the difference between the the 47% and the is it 30 in the next one down? Right. Okay. But if in terms of what just the when you say is it the 293, the VIN 2932732 whatever.\n\n239 293. That's that that's still gonna be applicable though, isn't it? Yeah. Yeah. Because it's whether your total is above $2.50 in that.\n\nI'm not changing the total. It's just no. Okay. So does that mean yeah. Yeah.\n\nOkay. So when I put let's say I put 15 k in, will that will hub 24 then remove the 15% that it has to, and then I can completely remove that from my taxable income? Or does it look at the difference? Does it say, I've already paid the 15%, and so only the the difference between, what is it, fifteen and and forty seven is what I would be getting back, or is it less complicated than that? And nothing happens to it.\n\nSo it just goes straight in. Yep. Mhmm. Yep. Uh-huh.\n\nAnd you guys can actually do that on my behalf. I don't have to fill that out. Yep. No. No.\n\nI don't have a printer that works. So But I need to do it oh, so so it has to be done before I do my tax return for this financial. Yeah. Yeah. Okay.\n\nYep. Okay. Excellent. So how much did you say for 20 grands that I would be accessing? 12 and a half.\n\nAnd that's pretty linear between 10 20. Right? There's no no magical jumps throughout that. So if it was 10, it'd be, like, 6.25, whatever. Yeah.\n\nOkay. That makes it really easy. So to do that then, I would just go into Hub 24 and use the BPAY info to contribute. Yep. Yes.\n\nI'd hate to get it wrong. Yep. Yep. Yeah. Yeah.\n\nYep. Yeah. I logged in I logged in yesterday, and I thought that I'd found something, but it would make a lot of sense for you to point me to exactly where I need to go. Yep. I did notice that there.\n\nYeah. I did notice a difference between those. Look. I'm unlikely to get it wrong, but I don't I'll never say never. Oh, that'd be great.\n\nYeah. Yep. Yep. Yep. Okay.\n\nFantastic. Too easy. Well no. No. No.\n\nSo you'll shoot through an email to me, and that'll point me where to go. Yeah. Perfect. Excellent. Alright.\n\nFantastic. Thanks. Oh, well, thanks, Larissa, and have a good lunch.","paragraphs":[{"sentences":[{"text":"Hello, Mark.","start":0.88,"end":1.36,"sentiment":"neutral","sentiment_score":0.04075666517019272},{"text":"Stand in.","start":1.36,"end":2.1,"sentiment":"neutral","sentiment_score":0.0324748270213604},{"text":"Oh, bad, Lewis.","start":6.56,"end":7.44,"sentiment":"neutral","sentiment_score":0.12209500869115193},{"text":"How are you?","start":7.44,"end":8.18,"sentiment":"neutral","sentiment_score":0.11907000839710236},{"text":"Yeah.","start":15.215,"end":15.535,"sentiment":"neutral","sentiment_score":0.10404632985591888}],"sentiment":"neutral","sentiment_score":0.08854585140943527,"num_words":11,"start":0.88,"end":15.535},{"sentences":[{"text":"Yeah.","start":15.535,"end":15.8550005,"sentiment":"neutral","sentiment_score":0.13848842680454254},{"text":"Sure.","start":15.8550005,"end":16.355,"sentiment":"neutral","sentiment_score":0.25008177757263184},{"text":"Yeah.","start":23.535,"end":24.035,"sentiment":"neutral","sentiment_score":0.06941435486078262},{"text":"Yeah.","start":24.255001,"end":24.755001,"sentiment":"neutral","sentiment_score":0.11184819042682648},{"text":"75 Build A Crescent, Malinois.","start":36.39,"end":38.33,"sentiment":"neutral","sentiment_score":0.023518131300807}],"sentiment":"neutral","sentiment_score":0.07638037846320206,"num_words":9,"start":15.535,"end":38.33},{"sentences":[{"text":"Oh, sorry.","start":44.004997,"end":44.485,"sentiment":"neutral","sentiment_score":-0.0031720567494630814},{"text":"Four tenth of the tenth of seventy eight.","start":44.485,"end":46.265,"sentiment":"neutral","sentiment_score":0.012835154659114778},{"text":"So I departed a so I've left my position at QMS Media.","start":57.510002,"end":65.29,"sentiment":"neutral","sentiment_score":-0.03579943603836},{"text":"And in doing that, I got a payout of six months pay, and that all happened at the beginning of June.","start":65.75,"end":75.085,"sentiment":"neutral","sentiment_score":-0.0025365235106576058},{"text":"Yeah.","start":75.784996,"end":76.185,"sentiment":"neutral","sentiment_score":0.019464684650301933}],"sentiment":"neutral","sentiment_score":-0.008342236767268994,"num_words":44,"start":44.004997,"end":76.185},{"sentences":[{"text":"So I've essentially earned a 150% this financial year of what I was expecting.","start":76.185,"end":81.3,"sentiment":"neutral","sentiment_score":0.01394241482817701},{"text":"No.","start":87.78001,"end":88.020004,"sentiment":"neutral","sentiment_score":-0.11062093824148178},{"text":"It's more than that.","start":88.020004,"end":88.98,"sentiment":"neutral","sentiment_score":-0.09653360396623611},{"text":"So the gross at the moment is $2.50 on my my last payslip is $2.50.","start":88.98,"end":96.275,"sentiment":"neutral","sentiment_score":-0.020253194542601705},{"text":"So that's what that includes that payout.","start":96.415,"end":99.075005,"sentiment":"neutral","sentiment_score":0.06327809326882873}],"sentiment":"neutral","sentiment_score":-0.003961288091931038,"num_words":41,"start":76.185,"end":99.075005},{"sentences":[{"text":"Yeah.","start":119.64,"end":120.04,"sentiment":"neutral","sentiment_score":-0.13841289281845093},{"text":"It's it's a bit tricky, actually.","start":120.04,"end":122.78,"sentiment":"neutral","sentiment_score":-0.33308881024519604},{"text":"I'm trying to work out what I'm expecting.","start":125.055,"end":128.175,"sentiment":"neutral","sentiment_score":-0.29519716650247574},{"text":"So I had a look in Hub, and I can't see all the payments.","start":128.175,"end":131.295,"sentiment":"neutral","sentiment_score":-0.21077629923820496},{"text":"So the most recent payments I can see because it doesn't really reference which month they were paying for.","start":131.295,"end":136.195,"sentiment":"neutral","sentiment_score":0.053672280652742634}],"sentiment":"neutral","sentiment_score":-0.13395037381754568,"num_words":48,"start":119.64,"end":136.195},{"sentences":[{"text":"So they sort of do three payments three payments all at once.","start":136.895,"end":140.07,"sentiment":"neutral","sentiment_score":-0.10473886597901583},{"text":"And I have a bit of a a guess at what they are.","start":141.59001,"end":144.33,"sentiment":"neutral","sentiment_score":0.0096836113012754},{"text":"Where are we?","start":146.39001,"end":147.29001,"sentiment":"neutral","sentiment_score":2.2103389104149532e-7},{"text":"So it's saying that so on the payment that I received on the fifth of this month, it's saying 4,172.","start":151.51001,"end":164.005,"sentiment":"neutral","sentiment_score":0.020900601684115828},{"text":"That's for that month.","start":164.005,"end":165.225,"sentiment":"neutral","sentiment_score":0.004356429213657975}],"sentiment":"neutral","sentiment_score":-0.013375789061403619,"num_words":52,"start":136.895,"end":165.225},{"sentences":[{"text":"However, I'd imagine that I haven't been paid for the May amount either, which is $16.64.","start":165.48001,"end":174.62001,"sentiment":"neutral","sentiment_score":-0.06081041507422924},{"text":"So it's probably $16.64 plus the the $4.01 $7.02.","start":176.12001,"end":182.905,"sentiment":"neutral","sentiment_score":-0.008387683431566175},{"text":"So it's about, I don't know, close to 6 close to 6 grand that's gonna go on top of what's already been paid.","start":182.905,"end":191.145,"sentiment":"neutral","sentiment_score":-0.2148784555332816},{"text":"And what's already been paid is about 15 something, I think, as far as I could tell.","start":191.145,"end":196.16,"sentiment":"neutral","sentiment_score":-0.015238851966226803},{"text":"And I had a look at Hub.","start":196.16,"end":197.38,"sentiment":"neutral","sentiment_score":0.015647931024432182}],"sentiment":"neutral","sentiment_score":-0.08528035049433431,"num_words":72,"start":165.48001,"end":197.38},{"sentences":[{"text":"But the most recent of those payments is, like, the beginning of April.","start":217.85501,"end":221.74,"sentiment":"neutral","sentiment_score":0.07094781215374286},{"text":"Is that right?","start":221.74,"end":222.56,"sentiment":"neutral","sentiment_score":0.043245689322551094},{"text":"Or mid April 1?","start":224.14,"end":225.52002,"sentiment":"neutral","sentiment_score":-0.017304452136158943},{"text":"Yeah.","start":243.995,"end":244.35,"sentiment":"neutral","sentiment_score":-0.0033077802509069443},{"text":"Yeah.","start":244.83,"end":245.33,"sentiment":"neutral","sentiment_score":-0.09773942828178406}],"sentiment":"neutral","sentiment_score":0.040081527676771984,"num_words":22,"start":217.85501,"end":245.33},{"sentences":[{"text":"Well, I've already asked my accountant I've already asked my accountant about this as well.","start":251.87001,"end":256.19,"sentiment":"neutral","sentiment_score":0.0835619236032168},{"text":"And their their advice is that I've got, like, $60 up up my sleeve if I wanted to, which I don't want to.","start":256.19,"end":264.07498,"sentiment":"neutral","sentiment_score":0.012658527363901552},{"text":"So I've got no issues with the upper limit as far as I can tell.","start":264.07498,"end":268.735,"sentiment":"neutral","sentiment_score":0.10134045084317525},{"text":"Yeah.","start":271.435,"end":271.935,"sentiment":"neutral","sentiment_score":0.02867705374956131},{"text":"I've also got yeah.","start":274.11,"end":275.38998,"sentiment":"neutral","sentiment_score":0.17548261396586895}],"sentiment":"neutral","sentiment_score":0.06543602164963196,"num_words":58,"start":251.87001,"end":275.38998},{"sentences":[{"text":"I've also got a carry forward balance, apparently.","start":275.38998,"end":277.56998,"sentiment":"neutral","sentiment_score":0.1472606072202325},{"text":"Yeah.","start":279.06998,"end":279.56998,"sentiment":"neutral","sentiment_score":0.0757131353020668},{"text":"Which is $6,262,000 or 6 yeah.","start":281.06998,"end":284.44998,"sentiment":"neutral","sentiment_score":0.03016929825146993},{"text":"Yes.","start":306.99,"end":307.49,"sentiment":"neutral","sentiment_score":-0.018580034375190735},{"text":"Yep.","start":332.22,"end":332.72,"sentiment":"neutral","sentiment_score":0.1673346757888794}],"sentiment":"neutral","sentiment_score":0.09315108376390793,"num_words":17,"start":275.38998,"end":332.72},{"sentences":[{"text":"Yep.","start":335.41998,"end":335.91998,"sentiment":"positive","sentiment_score":0.40846022963523865},{"text":"Yeah.","start":350.09,"end":350.49,"sentiment":"neutral","sentiment_score":-0.014536665752530098},{"text":"And I guess that's what I'm probably just juggling with at the moment.","start":350.49,"end":355.22998,"sentiment":"neutral","sentiment_score":-0.1486614976937954},{"text":"Because I think I mentioned to Sam that I probably got I probably don't wanna put more than 20, and I've I've gotta think over this next day or two where I don't wanna put that much because I don't have a job.","start":355.93,"end":366.225,"sentiment":"neutral","sentiment_score":-0.2689356084826381},{"text":"So I've gotta I've gotta be careful with what I'm actually doing with it.","start":366.225,"end":370.725,"sentiment":"negative","sentiment_score":-0.36359832542283194}],"sentiment":"neutral","sentiment_score":-0.2526844948168016,"num_words":72,"start":335.41998,"end":370.725},{"sentences":[{"text":"So, yeah, I just I'm talking to my wife.","start":371.905,"end":375.10498,"sentiment":"neutral","sentiment_score":-0.026755191385746002},{"text":"I think that I'd probably be looking at, you know, 10 or 15 maybe to put 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60,000.","start":384.91998,"end":390.28,"sentiment":"neutral","sentiment_score":0.1468296863493465},{"text":"Right?","start":390.28,"end":390.78,"sentiment":"neutral","sentiment_score":0.07790495455265045}],"sentiment":"neutral","sentiment_score":0.0787724182009697,"num_words":61,"start":371.905,"end":390.78},{"sentences":[{"text":"Yeah.","start":403.725,"end":404.225,"sentiment":"neutral","sentiment_score":-0.014976650476455688},{"text":"Yeah.","start":404.525,"end":404.765,"sentiment":"neutral","sentiment_score":0.029861178249120712},{"text":"Yeah.","start":404.765,"end":405.03,"sentiment":"neutral","sentiment_score":0.05524859577417374},{"text":"Yep.","start":411.51,"end":412.01,"sentiment":"neutral","sentiment_score":0.12387014925479888},{"text":"Yeah.","start":427.52502,"end":427.92502,"sentiment":"neutral","sentiment_score":0.1056843250989914}],"sentiment":"neutral","sentiment_score":0.05993751958012581,"num_words":5,"start":403.725,"end":427.92502},{"sentences":[{"text":"Okay.","start":427.92502,"end":428.325,"sentiment":"neutral","sentiment_score":0.08076079189777374},{"text":"What is what's today?","start":428.325,"end":430.02,"sentiment":"neutral","sentiment_score":0.03746835421770811},{"text":"So '20 March six seven eight.","start":430.09998,"end":433.94,"sentiment":"neutral","sentiment_score":0.014540296979248524},{"text":"But Monday is yeah.","start":433.94,"end":435.62,"sentiment":"neutral","sentiment_score":0.03536636848002672},{"text":"Okay.","start":435.62,"end":435.86,"sentiment":"neutral","sentiment_score":0.04027874767780304}],"sentiment":"neutral","sentiment_score":0.031226263265125453,"num_words":16,"start":427.92502,"end":435.86},{"sentences":[{"text":"So Monday is the twenty ninth, isn't it?","start":435.86,"end":438.03998,"sentiment":"neutral","sentiment_score":0.046458646189421415},{"text":"Oh, okay.","start":438.18,"end":438.74,"sentiment":"neutral","sentiment_score":0.18103399127721786},{"text":"So if I put something in Friday, it should clear by Tuesday, August.","start":438.74,"end":442.41998,"sentiment":"neutral","sentiment_score":0.13905001947512993},{"text":"So yeah.","start":442.41998,"end":444.19998,"sentiment":"neutral","sentiment_score":0.11053023487329482},{"text":"Yeah.","start":444.435,"end":444.675,"sentiment":"neutral","sentiment_score":0.12859074771404266}],"sentiment":"neutral","sentiment_score":0.1111937931810434,"num_words":26,"start":435.86,"end":444.675},{"sentences":[{"text":"So I wanna yeah.","start":444.675,"end":449.175,"sentiment":"neutral","sentiment_score":0.1386208813637495},{"text":"Oh, yeah.","start":453.155,"end":453.715,"sentiment":"neutral","sentiment_score":-0.16236517578363419},{"text":"Okay.","start":453.715,"end":454.215,"sentiment":"neutral","sentiment_score":-0.23295600712299347},{"text":"Ross.","start":465.83002,"end":466.33002,"sentiment":"negative","sentiment_score":-0.5875893831253052},{"text":"Ross.","start":466.39,"end":466.89,"sentiment":"neutral","sentiment_score":-0.09987443685531616}],"sentiment":"neutral","sentiment_score":-0.07674073924620946,"num_words":9,"start":444.675,"end":466.89},{"sentences":[{"text":"Yep.","start":478.35498,"end":478.85498,"sentiment":"neutral","sentiment_score":0.1551799774169922},{"text":"Yep.","start":503.985,"end":504.485,"sentiment":"neutral","sentiment_score":-0.019836096093058583},{"text":"Yep.","start":514.24,"end":514.74,"sentiment":"neutral","sentiment_score":-0.06503774970769882},{"text":"Mhmm.","start":533.615,"end":534.0,"sentiment":"neutral","sentiment_score":0.15440580248832703},{"text":"Yep.","start":546.0,"end":546.5,"sentiment":"neutral","sentiment_score":0.0309162437915802}],"sentiment":"neutral","sentiment_score":0.051125635579228404,"num_words":5,"start":478.35498,"end":546.5},{"sentences":[{"text":"Okay.","start":548.97504,"end":549.29504,"sentiment":"neutral","sentiment_score":-0.0067454008385539055},{"text":"So that's just the difference between the the 47% and the is it 30 in the next one down?","start":549.29504,"end":555.075,"sentiment":"neutral","sentiment_score":-0.004230055761964698},{"text":"Right.","start":575.6,"end":575.83997,"sentiment":"neutral","sentiment_score":0.020906802266836166},{"text":"Okay.","start":575.83997,"end":576.24,"sentiment":"neutral","sentiment_score":0.02359756827354431},{"text":"But if in terms of what just the when you say is it the 293, the VIN 2932732 whatever.","start":576.24,"end":586.60504,"sentiment":"neutral","sentiment_score":-0.0043284821961271135}],"sentiment":"neutral","sentiment_score":-0.0030452012561443375,"num_words":41,"start":548.97504,"end":586.60504},{"sentences":[{"text":"239 293.","start":586.66504,"end":589.16504,"sentiment":"neutral","sentiment_score":0.004507453180849552},{"text":"That's that that's still gonna be applicable though, isn't it?","start":589.465,"end":593.77,"sentiment":"neutral","sentiment_score":0.009002457279711962},{"text":"Yeah.","start":594.79004,"end":595.11005,"sentiment":"neutral","sentiment_score":0.017092879861593246},{"text":"Yeah.","start":595.11005,"end":595.35004,"sentiment":"neutral","sentiment_score":0.013704715296626093},{"text":"Because it's whether your total is above $2.50 in that.","start":595.35004,"end":598.55,"sentiment":"neutral","sentiment_score":-0.012197539769113063}],"sentiment":"neutral","sentiment_score":0.0003275698594128092,"num_words":24,"start":586.66504,"end":598.55},{"sentences":[{"text":"I'm not changing the total.","start":598.55,"end":600.01,"sentiment":"neutral","sentiment_score":-0.06670214459300042},{"text":"It's just no.","start":600.71,"end":601.83,"sentiment":"neutral","sentiment_score":-0.1622791439294815},{"text":"Okay.","start":601.83,"end":602.33,"sentiment":"neutral","sentiment_score":0.013403348624706268},{"text":"So does that mean yeah.","start":602.71497,"end":607.595,"sentiment":"neutral","sentiment_score":0.04241923317313194},{"text":"Yeah.","start":607.595,"end":607.995,"sentiment":"neutral","sentiment_score":0.102652870118618}],"sentiment":"neutral","sentiment_score":-0.032813051342964174,"num_words":15,"start":598.55,"end":607.995},{"sentences":[{"text":"Okay.","start":607.995,"end":608.475,"sentiment":"neutral","sentiment_score":0.09076598286628725},{"text":"So when I put let's say I put 15 k in, will that will hub 24 then remove the 15% that it has to, and then I can completely remove that from my taxable income?","start":608.475,"end":624.5,"sentiment":"neutral","sentiment_score":0.040714162162372045},{"text":"Or does it look at the difference?","start":625.04,"end":626.56,"sentiment":"neutral","sentiment_score":-0.0344802729253258},{"text":"Does it say, I've already paid the 15%, and so only the the difference between, what is it, fifteen and and forty seven is what I would be getting back, or is it less complicated than that?","start":626.56,"end":638.23505,"sentiment":"neutral","sentiment_score":-0.03482207686111734},{"text":"And nothing happens to it.","start":651.55,"end":652.75,"sentiment":"neutral","sentiment_score":0.291681581735611}],"sentiment":"neutral","sentiment_score":0.016992833092808725,"num_words":85,"start":607.995,"end":652.75},{"sentences":[{"text":"So it just goes straight in.","start":652.75,"end":654.53,"sentiment":"positive","sentiment_score":0.4097569137811661},{"text":"Yep.","start":655.87,"end":656.37,"sentiment":"neutral","sentiment_score":0.2701292634010315},{"text":"Mhmm.","start":660.235,"end":660.735,"sentiment":"neutral","sentiment_score":0.23783692717552185},{"text":"Yep.","start":663.27496,"end":663.77496,"sentiment":"neutral","sentiment_score":0.1911486983299255},{"text":"Uh-huh.","start":672.39496,"end":672.89496,"sentiment":"neutral","sentiment_score":0.00179425033275038}],"sentiment":"neutral","sentiment_score":0.3159450621926226,"num_words":10,"start":652.75,"end":672.89496},{"sentences":[{"text":"And you guys can actually do that on my behalf.","start":673.83,"end":675.91003,"sentiment":"neutral","sentiment_score":0.1076264314353466},{"text":"I don't have to fill that out.","start":675.91003,"end":677.11005,"sentiment":"neutral","sentiment_score":0.038760079337017875},{"text":"Yep.","start":677.11005,"end":677.61005,"sentiment":"neutral","sentiment_score":0.1905916929244995},{"text":"No.","start":680.55005,"end":680.79004,"sentiment":"neutral","sentiment_score":-0.17377260327339172},{"text":"No.","start":680.79004,"end":681.03,"sentiment":"neutral","sentiment_score":-0.2536078691482544}],"sentiment":"neutral","sentiment_score":0.05553980451077223,"num_words":20,"start":673.83,"end":681.03},{"sentences":[{"text":"I don't have a printer that works.","start":681.03,"end":683.11005,"sentiment":"neutral","sentiment_score":-0.04382986894675663},{"text":"So But I need to do it oh, so so it has to be done before I do my tax return for this financial.","start":683.11005,"end":721.495,"sentiment":"neutral","sentiment_score":-0.055446055407325424},{"text":"Yeah.","start":722.03503,"end":722.275,"sentiment":"neutral","sentiment_score":0.07647278904914856},{"text":"Yeah.","start":722.275,"end":722.49,"sentiment":"neutral","sentiment_score":0.07079479098320007},{"text":"Okay.","start":722.73,"end":723.23,"sentiment":"neutral","sentiment_score":0.05143112689256668}],"sentiment":"neutral","sentiment_score":-0.042318108984652686,"num_words":34,"start":681.03,"end":723.23},{"sentences":[{"text":"Yep.","start":740.535,"end":741.035,"sentiment":"neutral","sentiment_score":0.1974111050367355},{"text":"Okay.","start":741.975,"end":742.475,"sentiment":"positive","sentiment_score":0.4931930303573608},{"text":"Excellent.","start":742.695,"end":743.195,"sentiment":"positive","sentiment_score":0.7269327640533447},{"text":"So how much did you say for 20 grands that I would be accessing?","start":744.295,"end":750.235,"sentiment":"neutral","sentiment_score":0.13154463576419012},{"text":"12 and a half.","start":752.16,"end":752.88,"sentiment":"neutral","sentiment_score":0.05753377825021744}],"sentiment":"neutral","sentiment_score":0.16615699586414157,"num_words":21,"start":740.535,"end":752.88},{"sentences":[{"text":"And that's pretty linear between 10 20.","start":752.88,"end":755.27997,"sentiment":"neutral","sentiment_score":0.11209136726600784},{"text":"Right?","start":755.27997,"end":755.6,"sentiment":"neutral","sentiment_score":0.08967939019203186},{"text":"There's no no magical jumps throughout that.","start":755.6,"end":758.48,"sentiment":"neutral","sentiment_score":-0.04595198296010494},{"text":"So if it was 10, it'd be, like, 6.25, whatever.","start":758.48,"end":762.5,"sentiment":"neutral","sentiment_score":-0.015503224544227123},{"text":"Yeah.","start":763.36,"end":763.76,"sentiment":"neutral","sentiment_score":0.1376018524169922}],"sentiment":"neutral","sentiment_score":0.020585564896464348,"num_words":26,"start":752.88,"end":763.76},{"sentences":[{"text":"Okay.","start":763.76,"end":764.26,"sentiment":"neutral","sentiment_score":0.25459030270576477},{"text":"That makes it really easy.","start":765.045,"end":767.065,"sentiment":"positive","sentiment_score":0.45981569290161134},{"text":"So to do that then, I would just go into Hub 24 and use the BPAY info to contribute.","start":768.245,"end":775.14496,"sentiment":"neutral","sentiment_score":0.22401356226519534},{"text":"Yep.","start":776.96497,"end":777.46497,"sentiment":"neutral","sentiment_score":0.12088322639465332},{"text":"Yes.","start":781.71,"end":782.11,"sentiment":"neutral","sentiment_score":0.033870797604322433}],"sentiment":"neutral","sentiment_score":0.2579511286759818,"num_words":27,"start":763.76,"end":782.11},{"sentences":[{"text":"I'd hate to get it wrong.","start":782.11,"end":783.57,"sentiment":"neutral","sentiment_score":-0.16635295252005258},{"text":"Yep.","start":790.67,"end":791.17,"sentiment":"neutral","sentiment_score":0.14696992933750153},{"text":"Yep.","start":798.28503,"end":798.78503,"sentiment":"neutral","sentiment_score":0.08396489918231964},{"text":"Yeah.","start":804.765,"end":805.265,"sentiment":"neutral","sentiment_score":-0.0752311646938324},{"text":"Yeah.","start":806.60504,"end":807.10504,"sentiment":"neutral","sentiment_score":-0.047559499740600586}],"sentiment":"neutral","sentiment_score":-0.08899735510349274,"num_words":10,"start":782.11,"end":807.10504},{"sentences":[{"text":"Yep.","start":807.75,"end":808.25,"sentiment":"neutral","sentiment_score":-0.22260861098766327},{"text":"Yeah.","start":810.95,"end":811.27,"sentiment":"neutral","sentiment_score":0.016445286571979523},{"text":"I logged in I logged in yesterday, and I thought that I'd found something, but it would make a lot of sense for you to point me to exactly where I need to go.","start":811.27,"end":819.45,"sentiment":"neutral","sentiment_score":0.050934867933392525},{"text":"Yep.","start":835.445,"end":835.86,"sentiment":"neutral","sentiment_score":0.025160986930131912},{"text":"I did notice that there.","start":853.635,"end":855.155,"sentiment":"neutral","sentiment_score":-0.18019023537635803}],"sentiment":"neutral","sentiment_score":0.015472190365904854,"num_words":42,"start":807.75,"end":855.155},{"sentences":[{"text":"Yeah.","start":855.155,"end":855.555,"sentiment":"neutral","sentiment_score":-0.040174052119255066},{"text":"I did notice a difference between those.","start":855.555,"end":857.735,"sentiment":"neutral","sentiment_score":-0.05732453295162746},{"text":"Look.","start":860.195,"end":860.435,"sentiment":"neutral","sentiment_score":-0.0004029739648103714},{"text":"I'm unlikely to get it wrong, but I don't I'll never say never.","start":860.435,"end":864.61005,"sentiment":"neutral","sentiment_score":-0.07226270451568641},{"text":"Oh, that'd be great.","start":870.75,"end":871.95,"sentiment":"positive","sentiment_score":0.4912174493074417}],"sentiment":"neutral","sentiment_score":0.022446380068476383,"num_words":26,"start":855.155,"end":871.95},{"sentences":[{"text":"Yeah.","start":871.95,"end":872.45,"sentiment":"neutral","sentiment_score":0.21583715081214905},{"text":"Yep.","start":874.19,"end":874.69,"sentiment":"neutral","sentiment_score":0.15148165822029114},{"text":"Yep.","start":887.71497,"end":888.18,"sentiment":"neutral","sentiment_score":0.036224886775016785},{"text":"Yep.","start":893.22,"end":893.72,"sentiment":"neutral","sentiment_score":0.10563312470912932},{"text":"Okay.","start":904.435,"end":904.935,"sentiment":"neutral","sentiment_score":0.2829345464706421}],"sentiment":"neutral","sentiment_score":0.1584222733974457,"num_words":5,"start":871.95,"end":904.935},{"sentences":[{"text":"Fantastic.","start":905.235,"end":905.735,"sentiment":"positive","sentiment_score":0.7516592741012573},{"text":"Too easy.","start":907.555,"end":908.355,"sentiment":"positive","sentiment_score":0.4788685590028763},{"text":"Well no.","start":908.355,"end":909.555,"sentiment":"neutral","sentiment_score":-0.08521264046430588},{"text":"No.","start":909.555,"end":909.715,"sentiment":"neutral","sentiment_score":-0.13847649097442627},{"text":"No.","start":909.715,"end":909.875,"sentiment":"neutral","sentiment_score":-0.07799556851387024}],"sentiment":"neutral","sentiment_score":0.1889284359557288,"num_words":7,"start":905.235,"end":909.875},{"sentences":[{"text":"So you'll shoot through an email to me, and that'll point me where to go.","start":909.875,"end":914.215,"sentiment":"neutral","sentiment_score":0.17285767048597336},{"text":"Yeah.","start":918.10004,"end":918.42004,"sentiment":"positive","sentiment_score":0.37223386764526367},{"text":"Perfect.","start":918.42004,"end":918.9,"sentiment":"positive","sentiment_score":0.7824632525444031},{"text":"Excellent.","start":918.9,"end":919.4,"sentiment":"positive","sentiment_score":0.8253363370895386},{"text":"Alright.","start":920.26,"end":920.74,"sentiment":"positive","sentiment_score":0.7706888914108276}],"sentiment":"neutral","sentiment_score":0.2812414424199807,"num_words":19,"start":909.875,"end":920.74},{"sentences":[{"text":"Fantastic.","start":920.74,"end":921.24,"sentiment":"positive","sentiment_score":0.8800310492515564},{"text":"Thanks.","start":923.38,"end":923.88,"sentiment":"positive","sentiment_score":0.5325363874435425},{"text":"Oh, well, thanks, Larissa, and have a good lunch.","start":926.42004,"end":928.2149,"sentiment":"positive","sentiment_score":0.6373675995402865}],"sentiment":"positive","sentiment_score":0.6498978029597889,"num_words":11,"start":920.74,"end":928.2149}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello, Mark. Stand in.\n\nChannel 0: Hi, Max. Larissa from o two Financial. How are you going?\n\nChannel 1: Oh, bad, Lewis. How are you?\n\nChannel 0: Yeah. Good. Thank you. I finished up with my meetings a little bit earlier, and I figured I'd jump on and give you a call if now is okay.\n\nChannel 1: Yeah. Yeah. Sure.\n\nChannel 0: Cool. So, Samantha, let me know that you were just wanting to talk about some additional contributions. That's correct?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah. Amazing. Alright. Well, before I jump into it, I do just let you need to let you know that our call is recorded. And if I could just get you confirmed security for me.\n\nJust full name, date of birth, address.\n\nChannel 1: 75 Build A Crescent, Malinois.\n\nChannel 0: Yep. And date of birth for me.\n\nChannel 1: Oh, sorry. Four tenth of the tenth of seventy eight.\n\nChannel 0: Cool. Thanks. Alright. So explain what's happened so I can kind of advise and help from there.\n\nChannel 1: So I departed a so I've left my position at QMS Media.\n\nChannel 0: Yep.\n\nChannel 1: And in doing that, I got a payout of six months pay,\n\nChannel 0: Yep.\n\nChannel 1: and that all happened at the beginning\n\nChannel 0: This\n\nChannel 1: of\n\nChannel 0: financial\n\nChannel 1: June.\n\nChannel 0: year? Okay.\n\nChannel 1: Yeah. So I've essentially earned a 150%\n\nChannel 0: Of\n\nChannel 1: this\n\nChannel 0: your\n\nChannel 1: financial\n\nChannel 0: wage?\n\nChannel 1: year of what I\n\nChannel 0: Okay.\n\nChannel 1: was expecting.\n\nChannel 0: Absolutely. Now your income for this year, a 150?\n\nChannel 1: No. It's more than that. So the gross at the moment is $2.50 on my my last payslip is $2.50. So that's\n\nChannel 0: For\n\nChannel 1: what\n\nChannel 0: the year. Okay.\n\nChannel 1: that includes that payout.\n\nChannel 0: Perfect. That that works nicely. Okay. So $2.50 obviously pushes you into the highest tax bracket. Can you tell me on that pay slip, what superannuation contributions are scheduled to be paid for the year?\n\nLike, do you know if they pay weekly where that fits?\n\nChannel 1: Yeah. It's it's a bit tricky, actually. I'm trying to work out what I'm expecting. So I had a look in Hub, and I can't see all the payments. So the most recent payments I can see because it doesn't really reference which month they were paying for.\n\nChannel 0: Yes.\n\nChannel 1: So\n\nChannel 0: No.\n\nChannel 1: they sort\n\nChannel 0: They\n\nChannel 1: of\n\nChannel 0: don't.\n\nChannel 1: do three payments three payments all at once.\n\nChannel 0: Yep.\n\nChannel 1: And I have a bit of a a guess at what they are. Where are we? So it's saying that so on the payment that I received on the fifth of this month, it's saying 4,172. That's for that month. However, I'd imagine that I haven't been paid for the May amount either, which is $16.64.\n\nSo it's probably $16.64 plus the the $4.01 $7.02. So it's about, I don't know, close to 6 close to 6\n\nChannel 0: No.\n\nChannel 1: grand that's gonna go on top of what's already been paid. And what's already\n\nChannel 0: Being\n\nChannel 1: been paid is about 15 something, I think, as far as I could tell. And I had a look at Hub.\n\nChannel 0: paid. No. That's okay. I'm just logging in and battling with technology while I do it. Because I can tell you exactly what's been paid so far for the year and in what categories.\n\nSo currently, 15,744 has been paid.\n\nChannel 1: But the most recent of those payments is, like, the beginning of April. Is that right? Or mid\n\nChannel 0: Sorry.\n\nChannel 1: April 1?\n\nChannel 0: I'm looking at two different screens. I believe that's correct. Yes. Which by the sounds of it so if your employer is paying mid April, that means that they're probably not gonna pay those final pays until next financial year, and those will land mid July.\n\nChannel 1: Yeah.\n\nChannel 0: So they're\n\nChannel 1: Yeah.\n\nChannel 0: not gonna count towards this financial year, which means we have room to move this year in terms of how much we put in.\n\nChannel 1: Well,\n\nChannel 0: That's\n\nChannel 1: I've already\n\nChannel 0: obviously\n\nChannel 1: asked my accountant I've already asked my accountant about this as well. And\n\nChannel 0: cool.\n\nChannel 1: their their advice is that I've got, like, $60 up\n\nChannel 0: Yeah.\n\nChannel 1: up my sleeve if I wanted to, which I don't want to. So I've got no issues with the upper limit as far as I can tell.\n\nChannel 0: No. Yeah. You've you've got plenty of room\n\nChannel 1: Yeah.\n\nChannel 0: to be able to put put money in without affecting\n\nChannel 1: I've\n\nChannel 0: anything.\n\nChannel 1: also got yeah. I've also got a carry forward balance, apparently.\n\nChannel 0: Yes. You do.\n\nChannel 1: Yeah.\n\nChannel 0: Which I yeah. I was looking at\n\nChannel 1: Which\n\nChannel 0: as well.\n\nChannel 1: is $6,262,000 or 6 yeah.\n\nChannel 0: Yeah. So I guess the the the biggest part is is that, obviously, $250,000 for the year means that you're paying about $88 worth of tax, which would have come out of the payments you've already like, the lump sum, it would have been taken out of that. It would have been taken out of your your take home pay or\n\nChannel 1: Yes.\n\nChannel 0: your your gross pay before you you you were paid it. So what is, I guess, the overall desired outcome with using your super fund? Because you can 100% have a very, very effective tax savings strategy by putting money into your super fund because currently, like, $60 of the money that you're being paid is being taxed at the highest tax bracket because anything\n\nChannel 1: Yep.\n\nChannel 0: over 190 fits into that high tax bracket. So\n\nChannel 1: Yep.\n\nChannel 0: any money that you would have put into your superannuation fund would essentially save on your income and give you a quite a sufficient with quite a good tax return. It just depends on\n\nChannel 1: Yeah.\n\nChannel 0: how much\n\nChannel 1: And\n\nChannel 0: you\n\nChannel 1: I guess\n\nChannel 0: wanna lock away.\n\nChannel 1: that's what I'm probably just juggling with at the moment.\n\nChannel 0: Yeah.\n\nChannel 1: Because I think I mentioned to Sam that I probably got I probably don't wanna put more than 20, and I've I've gotta think over this next day or two where I don't wanna put that much because I don't have a job. So I've gotta I've gotta be careful with what I'm actually doing with it.\n\nChannel 0: Yep.\n\nChannel 1: So, yeah, I just I'm talking to my wife. I think that I'd probably be looking at, you know, 10 or 15 maybe to put in. What I probably just wanted to understand\n\nChannel 0: Yep.\n\nChannel 1: was how beneficial that would be. And,\n\nChannel 0: Yep. Yeah.\n\nChannel 1: like, it does sound like the more the merrier, to be honest, up to up to pretty\n\nChannel 0: Yep.\n\nChannel 1: much to 60,000. Right?\n\nChannel 0: Yeah. So, realistically speaking, what's gonna happen is any money that you put in and, like, because we're very, very close to the end of financial year. You have a little but you're kind of running out of days really quick.\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: You basically have up until I don't wanna push it anything more than Friday to put money in. I generally\n\nChannel 1: Yep.\n\nChannel 0: tell clients not to push anything further than Friday. So what you what you would do is you just make a contribution, and that can be made anytime between, like, now and Friday or now and the end of the financial year realistically, but the money has to be in your account, which is why I say Friday.\n\nChannel 1: Yeah. Okay. What is what's today? So '20\n\nChannel 0: Today's\n\nChannel 1: March\n\nChannel 0: the twenty third.\n\nChannel 1: six\n\nChannel 0: The financial\n\nChannel 1: seven eight.\n\nChannel 0: year ends\n\nChannel 1: But\n\nChannel 0: on\n\nChannel 1: Monday\n\nChannel 0: Tuesday.\n\nChannel 1: is yeah. Okay. So Monday is the twenty ninth, isn't it?\n\nChannel 0: Yes.\n\nChannel 1: Oh, okay. So if I put something in Friday, it should clear by Tuesday,\n\nChannel 0: It will.\n\nChannel 1: August.\n\nChannel 0: It'll clear\n\nChannel 1: So\n\nChannel 0: it'll clear by Tuesday.\n\nChannel 1: yeah.\n\nChannel 0: Realistically,\n\nChannel 1: Yeah. So I\n\nChannel 0: I have clients that put money in on Monday, like, on the day before financial year and it clears.\n\nChannel 1: wanna yeah.\n\nChannel 0: But it's always like a hold on to your seat, ladies and gentlemen, wearing\n\nChannel 1: Oh,\n\nChannel 0: for\n\nChannel 1: yeah.\n\nChannel 0: a bumpy\n\nChannel 1: Okay.\n\nChannel 0: twenty four hours. So, yeah, I just I I never like you know, stress is just not worth it. This this this time of year is already stressful enough for those in\n\nChannel 1: Ross.\n\nChannel 0: finance.\n\nChannel 1: Ross.\n\nChannel 0: So what you what we do from there is once the money's in, we can all take a sigh of relief because what would need to happen is you need to submit what's called a notice intent to claim. And, basically,\n\nChannel 1: Yep.\n\nChannel 0: what that does is that informs the super fund to charge the 15% super tax rate, which means that you are then able to claim back on your tax return, the tax the marginal rate that you've paid. So to put that in perspective, let's just say, so your 250,000 is what you've earned for the year, which means that you've paid $88,138 in income tax, and that's income\n\nChannel 1: Yep.\n\nChannel 0: tax. And you will have been hit with division two nine three and Medicare levy and all the rest of the stuff. Right? If you were to put $20 in just because I'm keeping to round numbers because I'm\n\nChannel 1: Yep.\n\nChannel 0: a little bit lazy at this time of day, but pre lunch, what's gonna happen is your income tax will drop down to only being well, I say only, but to having owed 75,378, which means you're getting $12 back. $1,212,760 dollars back on the 20\n\nChannel 1: Mhmm.\n\nChannel 0: grand that you put into your super fund. So you're putting $20 in, you'll get money back. This is without considering any potential tax deductions you may be able to claim on and anything else that may pop up in your tax return, but that's\n\nChannel 1: Yep.\n\nChannel 0: just purely the numbers between the two. So you're not gonna\n\nChannel 1: Okay.\n\nChannel 0: get dollar\n\nChannel 1: So that's\n\nChannel 0: for dollar,\n\nChannel 1: just the\n\nChannel 0: but\n\nChannel 1: difference\n\nChannel 0: you're gonna\n\nChannel 1: between\n\nChannel 0: get a\n\nChannel 1: the\n\nChannel 0: bit.\n\nChannel 1: the 47% and the is it 30 in the next one down?\n\nChannel 0: Oh, that's not I mean, that's not even hitting the 30%. Like, if you put $60 in, you're gonna push yourself completely out of that highest 47% tax bracket. But it it what it is is because that money is being charged at that 47% rate, that's why you're getting so much back.\n\nChannel 1: Right. Okay. But if in terms of what just the when you say is it the 293, the VIN 2932732 whatever.\n\nChannel 0: To vision\n\nChannel 1: 239\n\nChannel 0: two nine three. Yep.\n\nChannel 1: 293. That's that that's still gonna be applicable though, isn't it?\n\nChannel 0: It is. Yeah.\n\nChannel 1: Yeah. Yeah. Because it's whether your total is above $2.50 in that. I'm not changing\n\nChannel 0: Correct.\n\nChannel 1: the total.\n\nChannel 0: No. You're not.\n\nChannel 1: It's just no. Okay. So does\n\nChannel 0: It's\n\nChannel 1: that\n\nChannel 0: a no\n\nChannel 1: mean\n\nChannel 0: it's at a lesser amount though, which is cool. But yeah.\n\nChannel 1: yeah. Yeah. Okay. So when I put let's say I put 15 k in,\n\nChannel 0: Yep.\n\nChannel 1: will that will hub 24 then remove the 15% that it has to, and then I can completely remove that from my taxable income? Or does it look at the difference? Does it say, I've already\n\nChannel 0: It's\n\nChannel 1: paid the 15%, and so only the the difference between, what is it, fifteen and and forty seven is\n\nChannel 0: yeah.\n\nChannel 1: what I would be getting back, or is it less\n\nChannel 0: No.\n\nChannel 1: complicated than that?\n\nChannel 0: It's it's the first one. It's less complicated. Everyone tries to overcomplicate it. It's okay. So money goes in, and because you've already paid your marginal tax rate, the money actually goes in tax free, as in no money, no taxes being paid from the super fund.\n\nChannel 1: And nothing happens to it. So it just goes straight in.\n\nChannel 0: It goes straight in from your\n\nChannel 1: Yep.\n\nChannel 0: bank account to to the bank account owned by your super fund and gets\n\nChannel 1: Mhmm.\n\nChannel 0: allocated to your account based on the reference that you use. From\n\nChannel 1: Yep.\n\nChannel 0: there, you email me, call me, let me know, and I can lodge what's called a notice of intention to claim or vary a superannuation contribution.\n\nChannel 1: Uh-huh.\n\nChannel 0: It's a stupid name,\n\nChannel 1: And\n\nChannel 0: but\n\nChannel 1: you guys can actually do that on my\n\nChannel 0: I\n\nChannel 1: behalf.\n\nChannel 0: can do\n\nChannel 1: I\n\nChannel 0: it\n\nChannel 1: don't\n\nChannel 0: on\n\nChannel 1: have\n\nChannel 0: your\n\nChannel 1: to\n\nChannel 0: behalf.\n\nChannel 1: fill that\n\nChannel 0: Yeah.\n\nChannel 1: out. Yep.\n\nChannel 0: You don't have to fill out a form. I mean, I can send you the form to fill out if you really feel like\n\nChannel 1: No.\n\nChannel 0: it, but\n\nChannel 1: No.\n\nChannel 0: I can\n\nChannel 1: I don't\n\nChannel 0: do it\n\nChannel 1: have a\n\nChannel 0: in three buttons.\n\nChannel 1: printer that works. So\n\nChannel 0: Fair. So what I do is you you you may you email me and say, hey. I made the 15,000 contribution. I'm claiming the $15,000. Please lodge.\n\nAnd I will literally go in and lodge it and email you confirmation that happened. What happens from there is the Superfund then processes, and you have twelve months from the end of the financial year to lodge that document. So just because you pay the make the payment today, you don't have to lodge that notice of intent to claim until the June 30 year. Obviously, I\n\nChannel 1: But\n\nChannel 0: would\n\nChannel 1: I\n\nChannel 0: recommend\n\nChannel 1: need\n\nChannel 0: we do\n\nChannel 1: to\n\nChannel 0: it\n\nChannel 1: do\n\nChannel 0: sooner\n\nChannel 1: it\n\nChannel 0: rather than later and before\n\nChannel 1: oh,\n\nChannel 0: you do\n\nChannel 1: so\n\nChannel 0: your tax return.\n\nChannel 1: so it has to be done before I do my tax return for this financial.\n\nChannel 0: Correct. Yes.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: It has to\n\nChannel 1: Okay.\n\nChannel 0: be done before you do your tax return. So we lodge that form. The super fund pays the 15%. So now, technically, the money is being double taxed. Taxed at your marginal rate, taxed at the superannuation rate.\n\nThe super fund gives you a receipt. You take that receipt and you submit and lodge it with your accountant during your tax return, and it\n\nChannel 1: Yep.\n\nChannel 0: all comes back.\n\nChannel 1: Okay. Excellent.\n\nChannel 0: Yeah.\n\nChannel 1: So how much did you say for 20 grands that I would be accessing?\n\nChannel 0: Just shy of about 12 and a half.\n\nChannel 1: 12 and a half. And that's pretty linear between 10 20. Right? There's no no magical jumps throughout that. So if it was 10,\n\nChannel 0: No.\n\nChannel 1: it'd be, like, 6.25, whatever.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Okay. That makes it really easy. So to do that then, I would just go into Hub 24 and use the BPAY info to contribute.\n\nChannel 0: Yeah. Would you like\n\nChannel 1: Yep.\n\nChannel 0: me to email it to you just so that way there's no confusion? Because there is\n\nChannel 1: Yes.\n\nChannel 0: four different\n\nChannel 1: I'd hate to get\n\nChannel 0: contribution.\n\nChannel 1: it wrong.\n\nChannel 0: It's just there's two different contribution types, and they have two different methods to be able to pay. They have an ETF and a BPAY.\n\nChannel 1: Yep.\n\nChannel 0: And BPAY is faster and more efficient on how it gets allocated versus ETF or electronic funds\n\nChannel 1: Yep.\n\nChannel 0: transfer. And I don't want you to accidentally use the wrong reference number and, a,\n\nChannel 1: Yeah.\n\nChannel 0: add it to someone else's account or, b,\n\nChannel 1: Yeah.\n\nChannel 0: make the contribution\n\nChannel 1: Yep.\n\nChannel 0: in the wrong manner. So I\n\nChannel 1: Yeah.\n\nChannel 0: will email\n\nChannel 1: I logged\n\nChannel 0: the\n\nChannel 1: in\n\nChannel 0: details for you.\n\nChannel 1: I logged in yesterday, and I thought that I'd found something, but it would make a lot of sense for you to point me to exactly where I need to go.\n\nChannel 0: Yeah. It's like, it's it's not hard to navigate it once you learn how to navigate it. But, yeah, it's just it's under the contribution details tab in that menu. It's just they have the ETF and they have BPAY. ETF, I actually find, takes a little bit longer to allocate to the account because it's a\n\nChannel 1: Yep.\n\nChannel 0: manual allocation versus the BPAY because it has a numerical reference number. It allocates literally it's actually straight away. But there's two different reference numbers. One's for a member voluntary and one's for a spousal contribution, and I have had clients mess it up before, put the spousal contribution in. So I'm kind of a little bit, you know,\n\nChannel 1: I did notice\n\nChannel 0: burnt\n\nChannel 1: that\n\nChannel 0: once.\n\nChannel 1: there. Yeah. I did notice a difference between those.\n\nChannel 0: Yeah.\n\nChannel 1: Look. I'm unlikely to get it wrong, but\n\nChannel 0: I'm\n\nChannel 1: I\n\nChannel 0: I'm\n\nChannel 1: don't\n\nChannel 0: at I'm\n\nChannel 1: I'll\n\nChannel 0: at\n\nChannel 1: never\n\nChannel 0: third\n\nChannel 1: say\n\nChannel 0: once.\n\nChannel 1: never.\n\nChannel 0: Don't do it yeah. So I will email them to you, and that way you have my direct email as well. You can let me know\n\nChannel 1: Oh,\n\nChannel 0: when\n\nChannel 1: that'd\n\nChannel 0: you've\n\nChannel 1: be\n\nChannel 0: made\n\nChannel 1: great.\n\nChannel 0: it\n\nChannel 1: Yeah.\n\nChannel 0: and how much you've popped in.\n\nChannel 1: Yep.\n\nChannel 0: And what I do is, like, after this conversation, I'm gonna pop pop in my calendar for Friday to keep an eye on your account, and I'll log in and jump onto your account and have a look because you're not one of my clients. Your adviser, Tommy, is on the phone at the moment with other\n\nChannel 1: Yep.\n\nChannel 0: clients doing the same thing. And I know that you want to talk to someone, so I figured I'd jump on the phone. So I\n\nChannel 1: Yep.\n\nChannel 0: won't get the notification till his team will get it, but I'll I'll jump on on Friday, make sure that it's been there. I'll let you know that the money's hit and just confirm that I'm processing the notice of intent to claim, and that'll all go through. Okay?\n\nChannel 1: Okay. Fantastic.\n\nChannel 0: Amazing.\n\nChannel 1: Too easy.\n\nChannel 0: Any other questions?\n\nChannel 1: Well no. No. No. So you'll shoot through an email to me, and\n\nChannel 0: Yep.\n\nChannel 1: that'll point me where to go.\n\nChannel 0: And I will give you the numbers perfectly. Yes.\n\nChannel 1: Yeah. Perfect. Excellent. Alright. Fantastic.\n\nChannel 0: Amazing. Awesome. Well, if there's any questions,\n\nChannel 1: Thanks.\n\nChannel 0: feel free to reach out to me via email or just give me a call.\n\nChannel 1: Oh, well, thanks, Larissa, and have a good lunch.\n\nChannel 0: Yes. Thank you. Indeed. Bye, Max.","paragraphs":[{"sentences":[{"text":"Hello, Mark.","start":0.88,"end":1.36,"sentiment":"neutral","sentiment_score":0.04075666517019272},{"text":"Stand in.","start":1.36,"end":2.1,"sentiment":"neutral","sentiment_score":0.0324748270213604}],"sentiment":"neutral","sentiment_score":0.03661574609577656,"channel":1,"num_words":4,"start":0.88,"end":2.1},{"sentences":[{"text":"Hi, Max.","start":2.96,"end":3.76,"sentiment":"neutral","sentiment_score":0.1602858453989029},{"text":"Larissa from o two Financial.","start":3.76,"end":5.2799997,"sentiment":"neutral","sentiment_score":0.14360804706811905},{"text":"How are you going?","start":5.2799997,"end":6.18,"sentiment":"neutral","sentiment_score":0.179177887737751}],"sentiment":"neutral","sentiment_score":0.15957486155358228,"channel":0,"num_words":11,"start":2.96,"end":6.18},{"sentences":[{"text":"Oh, bad, Lewis.","start":6.56,"end":7.44,"sentiment":"neutral","sentiment_score":0.12209500869115193},{"text":"How are you?","start":7.44,"end":8.18,"sentiment":"neutral","sentiment_score":0.11907000839710236}],"sentiment":"neutral","sentiment_score":0.12058250854412715,"channel":1,"num_words":6,"start":6.56,"end":8.18},{"sentences":[{"text":"Yeah.","start":8.16,"end":8.639999,"sentiment":"neutral","sentiment_score":0.25789785385131836},{"text":"Good.","start":8.639999,"end":9.12,"sentiment":"positive","sentiment_score":0.6130349636077881},{"text":"Thank you.","start":9.12,"end":9.94,"sentiment":"positive","sentiment_score":0.6824537813663483},{"text":"I finished up with my meetings a little bit earlier, and I figured I'd jump on and give you a call if now is okay.","start":10.32,"end":14.9,"sentiment":"neutral","sentiment_score":0.2091953933238983}],"sentiment":"neutral","sentiment_score":0.25743880045825035,"channel":0,"num_words":29,"start":8.16,"end":14.9},{"sentences":[{"text":"Yeah.","start":15.215,"end":15.535,"sentiment":"neutral","sentiment_score":0.10404632985591888},{"text":"Yeah.","start":15.535,"end":15.8550005,"sentiment":"neutral","sentiment_score":0.13848842680454254},{"text":"Sure.","start":15.8550005,"end":16.355,"sentiment":"neutral","sentiment_score":0.25008177757263184}],"sentiment":"neutral","sentiment_score":0.1642055114110311,"channel":1,"num_words":3,"start":15.215,"end":16.355},{"sentences":[{"text":"Cool.","start":16.895,"end":17.395,"sentiment":"positive","sentiment_score":0.3473348617553711},{"text":"So, Samantha, let me know that you were just wanting to talk about some additional contributions.","start":17.615,"end":22.035,"sentiment":"neutral","sentiment_score":0.10573582048527896},{"text":"That's correct?","start":22.095001,"end":22.915,"sentiment":"neutral","sentiment_score":0.09096302092075348}],"sentiment":"neutral","sentiment_score":0.11689652796638639,"channel":0,"num_words":19,"start":16.895,"end":22.915},{"sentences":[{"text":"Yeah.","start":23.535,"end":24.035,"sentiment":"neutral","sentiment_score":0.06941435486078262},{"text":"Yeah.","start":24.255001,"end":24.755001,"sentiment":"neutral","sentiment_score":0.11184819042682648}],"sentiment":"neutral","sentiment_score":0.09063127264380455,"channel":1,"num_words":2,"start":23.535,"end":24.755001},{"sentences":[{"text":"Yeah.","start":24.575,"end":24.975,"sentiment":"neutral","sentiment_score":0.286842942237854},{"text":"Amazing.","start":24.975,"end":25.375,"sentiment":"positive","sentiment_score":0.5429001450538635},{"text":"Alright.","start":25.375,"end":25.615,"sentiment":"neutral","sentiment_score":0.3010600805282593},{"text":"Well, before I jump into it, I do just let you need to let you know that our call is recorded.","start":25.615,"end":29.75,"sentiment":"neutral","sentiment_score":0.08450265228748322},{"text":"And if I could just get you confirmed security for me.","start":29.75,"end":32.489998,"sentiment":"neutral","sentiment_score":0.11115516925399954}],"sentiment":"neutral","sentiment_score":0.11794473507574627,"channel":0,"num_words":35,"start":24.575,"end":32.489998},{"sentences":[{"text":"Just full name, date of birth, address.","start":32.79,"end":34.25,"sentiment":"neutral","sentiment_score":0.04970671023641314}],"sentiment":"neutral","sentiment_score":0.04970671023641314,"channel":0,"num_words":7,"start":32.79,"end":34.25},{"sentences":[{"text":"75 Build A Crescent, Malinois.","start":36.39,"end":38.33,"sentiment":"neutral","sentiment_score":0.023518131300807}],"sentiment":"neutral","sentiment_score":0.023518131300807,"channel":1,"num_words":5,"start":36.39,"end":38.33},{"sentences":[{"text":"Yep.","start":38.95,"end":39.45,"sentiment":"neutral","sentiment_score":0.044719766825437546},{"text":"And date of birth for me.","start":42.805,"end":44.105,"sentiment":"neutral","sentiment_score":0.026465165118376415}],"sentiment":"neutral","sentiment_score":0.02907296536224229,"channel":0,"num_words":7,"start":38.95,"end":44.105},{"sentences":[{"text":"Oh, sorry.","start":44.004997,"end":44.485,"sentiment":"neutral","sentiment_score":-0.0031720567494630814},{"text":"Four tenth of the tenth of seventy eight.","start":44.485,"end":46.265,"sentiment":"neutral","sentiment_score":0.012835154659114778}],"sentiment":"neutral","sentiment_score":0.009633712377399207,"channel":1,"num_words":10,"start":44.004997,"end":46.265},{"sentences":[{"text":"Cool.","start":46.405,"end":46.725,"sentiment":"neutral","sentiment_score":0.31917643547058105},{"text":"Thanks.","start":46.725,"end":47.225,"sentiment":"positive","sentiment_score":0.3594738245010376},{"text":"Alright.","start":47.765,"end":48.265,"sentiment":"neutral","sentiment_score":0.11453819274902344},{"text":"So explain what's happened so I can kind of advise and help from there.","start":48.324997,"end":56.95,"sentiment":"neutral","sentiment_score":0.049499285008226125}],"sentiment":"neutral","sentiment_score":0.0874222613432828,"channel":0,"num_words":17,"start":46.405,"end":56.95},{"sentences":[{"text":"So I departed a so I've left my position at QMS Media.","start":57.510002,"end":65.29,"sentiment":"neutral","sentiment_score":-0.03579943603836}],"sentiment":"neutral","sentiment_score":-0.03579943603836,"channel":1,"num_words":12,"start":57.510002,"end":65.29},{"sentences":[{"text":"Yep.","start":65.729996,"end":66.229996,"sentiment":"neutral","sentiment_score":0.010445170104503632}],"sentiment":"neutral","sentiment_score":0.010445170104503632,"channel":0,"num_words":1,"start":65.729996,"end":66.229996},{"sentences":[{"text":"And in doing that, I got a payout of six months pay,","start":65.75,"end":71.16499,"sentiment":"neutral","sentiment_score":0.00013187682876984277}],"sentiment":"neutral","sentiment_score":0.00013187682876984277,"channel":1,"num_words":12,"start":65.75,"end":71.16499},{"sentences":[{"text":"Yep.","start":72.005005,"end":72.505005,"sentiment":"neutral","sentiment_score":-0.0008977428078651428}],"sentiment":"neutral","sentiment_score":-0.0008977428078651428,"channel":0,"num_words":1,"start":72.005005,"end":72.505005},{"sentences":[{"text":"and that all happened at the 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of what I","start":80.024994,"end":80.744995,"sentiment":"neutral","sentiment_score":-0.015165308956056833}],"sentiment":"neutral","sentiment_score":-0.015165308956056833,"channel":1,"num_words":4,"start":80.024994,"end":80.744995},{"sentences":[{"text":"Okay.","start":80.74,"end":81.24,"sentiment":"neutral","sentiment_score":0.005605049431324005}],"sentiment":"neutral","sentiment_score":0.005605049431324005,"channel":0,"num_words":1,"start":80.74,"end":81.24},{"sentences":[{"text":"was expecting.","start":80.744995,"end":81.3,"sentiment":"neutral","sentiment_score":0.002037161495536565}],"sentiment":"neutral","sentiment_score":0.002037161495536565,"channel":1,"num_words":2,"start":80.744995,"end":81.3},{"sentences":[{"text":"Absolutely.","start":82.82,"end":83.32,"sentiment":"neutral","sentiment_score":0.07407121360301971},{"text":"Now your income for this year, a 150?","start":83.380005,"end":86.28,"sentiment":"neutral","sentiment_score":0.02132928417995572}],"sentiment":"neutral","sentiment_score":0.027189498560296163,"channel":0,"num_words":9,"start":82.82,"end":86.28},{"sentences":[{"text":"No.","start":87.78001,"end":88.020004,"sentiment":"neutral","sentiment_score":-0.11062093824148178},{"text":"It's more than that.","start":88.020004,"end":88.98,"sentiment":"neutral","sentiment_score":-0.09653360396623611},{"text":"So the gross at the moment is $2.50 on my my last payslip is $2.50.","start":88.98,"end":96.275,"sentiment":"neutral","sentiment_score":-0.020253194542601705},{"text":"So that's","start":96.415,"end":96.815,"sentiment":"neutral","sentiment_score":0.0012787147425115108}],"sentiment":"neutral","sentiment_score":-0.03627253830729222,"channel":1,"num_words":22,"start":87.78001,"end":96.815},{"sentences":[{"text":"For","start":96.675,"end":96.835,"sentiment":"neutral","sentiment_score":-0.00814025104045868}],"sentiment":"neutral","sentiment_score":-0.00814025104045868,"channel":0,"num_words":1,"start":96.675,"end":96.835},{"sentences":[{"text":"what","start":96.815,"end":97.315,"sentiment":"neutral","sentiment_score":-0.0018399730324745176}],"sentiment":"neutral","sentiment_score":-0.0018399730324745176,"channel":1,"num_words":1,"start":96.815,"end":97.315},{"sentences":[{"text":"the year.","start":96.835,"end":97.495,"sentiment":"neutral","sentiment_score":-0.0005192998796701431},{"text":"Okay.","start":97.635,"end":98.135,"sentiment":"neutral","sentiment_score":0.06802074611186981}],"sentiment":"neutral","sentiment_score":0.022327382117509842,"channel":0,"num_words":3,"start":96.835,"end":98.135},{"sentences":[{"text":"that includes that payout.","start":97.69501,"end":99.075005,"sentiment":"neutral","sentiment_score":0.11055729910731316}],"sentiment":"neutral","sentiment_score":0.11055729910731316,"channel":1,"num_words":4,"start":97.69501,"end":99.075005},{"sentences":[{"text":"Perfect.","start":99.555,"end":100.055,"sentiment":"positive","sentiment_score":0.5800749659538269},{"text":"That that works nicely.","start":100.115,"end":101.575,"sentiment":"positive","sentiment_score":0.5309429466724396},{"text":"Okay.","start":101.875,"end":102.275,"sentiment":"neutral","sentiment_score":0.0628892034292221},{"text":"So $2.50 obviously pushes you into the highest tax 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work out what I'm expecting.","start":125.055,"end":128.175,"sentiment":"neutral","sentiment_score":-0.29519716650247574},{"text":"So I had a look in Hub, and I can't see all the payments.","start":128.175,"end":131.295,"sentiment":"neutral","sentiment_score":-0.21077629923820496},{"text":"So the most recent payments I can see because it doesn't really reference which month they were paying 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how much you've popped in.","start":872.125,"end":873.75,"sentiment":"neutral","sentiment_score":0.2545107776920001}],"sentiment":"neutral","sentiment_score":0.2545107776920001,"channel":0,"num_words":6,"start":872.125,"end":873.75},{"sentences":[{"text":"Yep.","start":874.19,"end":874.69,"sentiment":"neutral","sentiment_score":0.15148165822029114}],"sentiment":"neutral","sentiment_score":0.15148165822029114,"channel":1,"num_words":1,"start":874.19,"end":874.69},{"sentences":[{"text":"And what I do is, like, after this conversation, I'm gonna pop pop in my calendar for Friday to keep an eye on your account, and I'll log in and jump onto your account and have a look because you're not one of my clients.","start":874.31,"end":884.41,"sentiment":"neutral","sentiment_score":0.14473220246533552},{"text":"Your adviser, Tommy, is on the phone at the moment with 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easy.","start":907.555,"end":908.355,"sentiment":"positive","sentiment_score":0.4788685590028763}],"sentiment":"positive","sentiment_score":0.4788685590028763,"channel":1,"num_words":2,"start":907.555,"end":908.355},{"sentences":[{"text":"Any other questions?","start":907.93,"end":908.83,"sentiment":"neutral","sentiment_score":0.04665779943267504}],"sentiment":"neutral","sentiment_score":0.04665779943267504,"channel":0,"num_words":3,"start":907.93,"end":908.83},{"sentences":[{"text":"Well no.","start":908.355,"end":909.555,"sentiment":"neutral","sentiment_score":-0.08521264046430588},{"text":"No.","start":909.555,"end":909.715,"sentiment":"neutral","sentiment_score":-0.13847649097442627},{"text":"No.","start":909.715,"end":909.875,"sentiment":"neutral","sentiment_score":-0.07799556851387024},{"text":"So you'll shoot through an email to me, and","start":909.875,"end":912.135,"sentiment":"neutral","sentiment_score":0.15246390716897118}],"sentiment":"neutral","sentiment_score":0.07579060185414094,"channel":1,"num_words":13,"start":908.355,"end":912.135},{"sentences":[{"text":"Yep.","start":911.93,"end":912.43,"sentiment":"neutral","sentiment_score":0.11541102826595306}],"sentiment":"neutral","sentiment_score":0.11541102826595306,"channel":0,"num_words":1,"start":911.93,"end":912.43},{"sentences":[{"text":"that'll point me where to go.","start":912.195,"end":914.215,"sentiment":"neutral","sentiment_score":0.20344831546147665}],"sentiment":"neutral","sentiment_score":0.20344831546147665,"channel":1,"num_words":6,"start":912.195,"end":914.215},{"sentences":[{"text":"And I will give you the numbers perfectly.","start":914.505,"end":917.16504,"sentiment":"neutral","sentiment_score":0.27295033261179924},{"text":"Yes.","start":917.22504,"end":917.72504,"sentiment":"neutral","sentiment_score":0.22759047150611875}],"sentiment":"neutral","sentiment_score":0.2679103480445014,"channel":0,"num_words":9,"start":914.505,"end":917.72504},{"sentences":[{"text":"Yeah.","start":918.10004,"end":918.42004,"sentiment":"positive","sentiment_score":0.37223386764526367},{"text":"Perfect.","start":918.42004,"end":918.9,"sentiment":"positive","sentiment_score":0.7824632525444031},{"text":"Excellent.","start":918.9,"end":919.4,"sentiment":"positive","sentiment_score":0.8253363370895386},{"text":"Alright.","start":920.26,"end":920.74,"sentiment":"positive","sentiment_score":0.7706888914108276},{"text":"Fantastic.","start":920.74,"end":921.24,"sentiment":"positive","sentiment_score":0.8800310492515564}],"sentiment":"positive","sentiment_score":0.7261506795883179,"channel":1,"num_words":5,"start":918.10004,"end":921.24},{"sentences":[{"text":"Amazing.","start":920.745,"end":921.245,"sentiment":"positive","sentiment_score":0.8681845664978027},{"text":"Awesome.","start":922.025,"end":922.525,"sentiment":"positive","sentiment_score":0.8434054851531982},{"text":"Well, if there's any questions,","start":922.585,"end":923.54504,"sentiment":"positive","sentiment_score":0.34200239777565}],"sentiment":"positive","sentiment_score":0.48880029150417875,"channel":0,"num_words":7,"start":920.745,"end":923.54504},{"sentences":[{"text":"Thanks.","start":923.38,"end":923.88,"sentiment":"positive","sentiment_score":0.5325363874435425}],"sentiment":"positive","sentiment_score":0.5325363874435425,"channel":1,"num_words":1,"start":923.38,"end":923.88},{"sentences":[{"text":"feel free to reach out to me via email or just give me a call.","start":923.54504,"end":926.28503,"sentiment":"neutral","sentiment_score":0.26941529512405393}],"sentiment":"neutral","sentiment_score":0.26941529512405393,"channel":0,"num_words":15,"start":923.54504,"end":926.28503},{"sentences":[{"text":"Oh, well, thanks, Larissa, and have a good lunch.","start":926.42004,"end":928.2149,"sentiment":"positive","sentiment_score":0.6373675995402865}],"sentiment":"positive","sentiment_score":0.6373675995402865,"channel":1,"num_words":9,"start":926.42004,"end":928.2149},{"sentences":[{"text":"Yes.","start":929.10004,"end":929.42004,"sentiment":"positive","sentiment_score":0.36653220653533936},{"text":"Thank you.","start":929.42004,"end":929.98004,"sentiment":"positive","sentiment_score":0.7527701556682587},{"text":"Indeed.","start":929.98004,"end":930.48004,"sentiment":"positive","sentiment_score":0.4629566073417664},{"text":"Bye, Max.","start":932.86005,"end":933.68,"sentiment":"neutral","sentiment_score":0.10879257321357727}],"sentiment":"positive","sentiment_score":0.4254357119401296,"channel":0,"num_words":6,"start":929.10004,"end":933.68}]},"summary":{"result":"success","short":"Lourissa from o two Financial contacts Mark to discuss contributions and payroll, emphasizing the importance of using a super fund to save on taxes and the benefits of avoiding putting too much money into it. The payroll system is discussed, with the goal of moving money into the super fund to save on taxes and the importance of submitting a notice of intention to claim to claim back on the tax return. The speaker emphasizes the importance of submitting a notice of intention to claim to claim back on the tax return and warns of a 15% tax rate for claiming to claim back on the tax return. The speaker also explains how to file a notice of intention to claim on a superannaps election and allocate contributions, and will email the information to the caller and update them on the status of the notice of intent to claim once the money hit."},"intents":{"segments":[{"text":"to be able to put put money in without affecting I've anything. also got yeah. I've also got a carry forward balance, apparently. Yes. You do. Yeah. Which I yeah. I was looking at Which as well. is $6,262,000 or 6 yeah.","start_word":680,"end_word":721,"intents":[{"intent":"Discuss budget allocation","confidence_score":0.00040829988}]},{"text":"is $6,262,000 or 6 yeah.","start_word":716,"end_word":720,"intents":[{"intent":"Confirm amount","confidence_score":0.00021315416}]},{"text":"Because you can 100% have a very, very effective tax savings strategy by putting money into your super fund because currently, like, $60 of the money that you're being paid is being taxed at the highest tax bracket because anything Yep. over 190 fits into that high tax bracket. So Yep.","start_word":808,"end_word":858,"intents":[{"intent":"Discuss tax savings strategy","confidence_score":0.31974936}]},{"text":"any money that you would have put into your superannuation fund would essentially save on your income and give you a quite a sufficient with quite a good tax return. It just depends on Yeah.","start_word":859,"end_word":893,"intents":[{"intent":"Discuss retirement savings","confidence_score":0.014085515},{"intent":"Discuss income savings","confidence_score":0.027271898}]},{"text":"What I probably just wanted to understand Yep. was how beneficial that would be. And, Yep. Yeah.","start_word":998,"end_word":1014,"intents":[{"intent":"Understand yep","confidence_score":0.043447945}]},{"text":"So what you what we do from there is once the money's in, we can all take a sigh of relief because what would need to happen is you need to submit what's called a notice intent to claim.","start_word":1301,"end_word":1339,"intents":[{"intent":"Submit notice","confidence_score":0.34063512}]},{"text":"This is without considering any potential tax deductions you may be able to claim on and anything else that may pop up in your tax return, but that's Yep.","start_word":1517,"end_word":1545,"intents":[{"intent":"Clarify tax deductions","confidence_score":0.04309104}]},{"text":"So money goes in, and because you've already paid your marginal tax rate, the money actually goes in tax free, as in no money, no taxes being paid from the super fund.","start_word":1826,"end_word":1857,"intents":[{"intent":"Address tax deductions and confusion about amount of money claimed","confidence_score":6.5010074e-11}]},{"text":"Obviously, I But would I recommend need we do to it do sooner it rather than later and before oh, you do so your tax return. so it has to be done before I do my tax return for this financial. Correct.","start_word":2099,"end_word":2140,"intents":[{"intent":"Plan tax return","confidence_score":0.0032970735}]},{"text":"It's like, it's it's not hard to navigate it once you learn how to navigate it.","start_word":2450,"end_word":2465,"intents":[{"intent":"Navigate account","confidence_score":0.06410188}]},{"text":"It's just they have the ETF and they have BPAY. ETF, I actually find, takes a little bit longer to allocate to the account because it's a Yep. manual allocation versus the BPAY because it has a numerical reference number. It allocates literally it's actually straight away.","start_word":2478,"end_word":2524,"intents":[{"intent":"Allocate and allocate funds","confidence_score":0.011858998}]},{"text":"So I will email them to you, and that way you have my direct email as well.","start_word":2606,"end_word":2622,"intents":[{"intent":"Send and email funds","confidence_score":0.000069842696}]},{"text":"I'll let you know that the money's hit and just confirm that I'm processing the notice of intent to claim, and that'll all go through. Okay?","start_word":2751,"end_word":2776,"intents":[{"intent":"Confirm payment","confidence_score":0.028142303}]},{"text":"I'll let you know that the money's hit and just confirm that I'm processing the notice of intent to claim, and that'll all go through. Okay? Okay.","start_word":2751,"end_word":2777,"intents":[{"intent":"Confirm receipt of notice","confidence_score":0.10832419}]}]},"sentiments":{"segments":[{"text":"Hello, Mark. Stand in. Hi, Max. Larissa from o two Financial. How are you going? Oh, bad, Lewis. How are you? Yeah.","start_word":0,"end_word":21,"sentiment":"neutral","sentiment_score":0.12874262034893036},{"text":"Good. Thank you.","start_word":22,"end_word":24,"sentiment":"positive","sentiment_score":0.6456174850463867},{"text":"I finished up with my meetings a little bit earlier, and I figured I'd jump on and give you a call if now is okay. Yeah. Yeah. Sure.","start_word":25,"end_word":52,"sentiment":"neutral","sentiment_score":0.19978369772434235},{"text":"Cool.","start_word":53,"end_word":53,"sentiment":"positive","sentiment_score":0.3473348617553711},{"text":"So, Samantha, let me know that you were just wanting to talk about some additional contributions. That's correct? Yeah. Yeah. Yeah.","start_word":54,"end_word":74,"sentiment":"neutral","sentiment_score":0.11509265005588531},{"text":"Amazing.","start_word":75,"end_word":75,"sentiment":"positive","sentiment_score":0.5429001450538635},{"text":"Alright. Well, before I jump into it, I do just let you need to let you know that our call is recorded. And if I could just get you confirmed security for me. Just full name, date of birth, address. 75 Build A Crescent, Malinois. Yep. And date of birth for me. Oh, sorry. Four tenth of the tenth of seventy eight. Cool.","start_word":76,"end_word":138,"sentiment":"neutral","sentiment_score":0.07016194611787796},{"text":"Thanks.","start_word":139,"end_word":139,"sentiment":"positive","sentiment_score":0.3594738245010376},{"text":"Alright. So explain what's happened so I can kind of advise and help from there. So I departed a so I've left my position at QMS Media. Yep. And in doing that, I got a payout of six months pay, Yep. and that all happened at the beginning This of financial June. year? Okay. Yeah. So I've essentially earned a 150% Of this your financial wage? year of what I Okay. was expecting. Absolutely. Now your income for this year, a 150? No. It's more than that. So the gross at the moment is $2.50 on my my last payslip is $2.50. So that's For what the year. Okay. that includes that payout.","start_word":140,"end_word":252,"sentiment":"neutral","sentiment_score":0.004649997688829899},{"text":"Perfect. That that works nicely.","start_word":253,"end_word":257,"sentiment":"positive","sentiment_score":0.5388035774230957},{"text":"Okay. So $2.50 obviously pushes you into the highest tax bracket. Can you tell me on that pay slip, what superannuation contributions are scheduled to be paid for the year? Like, do you know if they pay weekly where that fits? Yeah. It's it's a bit tricky, actually. I'm trying to work out what I'm expecting. So I had a look in Hub, and I can't see all the payments. So the most recent payments I can see because it doesn't really reference which month they were paying for. Yes. So No. they sort They of don't. do three payments three payments all at once. Yep. And I have a bit of a a guess at what they are. Where are we? So it's saying that so on the payment that I received on the fifth of this month, it's saying 4,172. That's for that month. However, I'd imagine that I haven't been paid for the May amount either, which is $16.64. So it's probably $16.64 plus the the $4.01 $7.02. So it's about, I don't know, close to 6 close to 6 No.","start_word":258,"end_word":441,"sentiment":"neutral","sentiment_score":-0.060170137505654406},{"text":"grand that's gonna go on top of what's already been paid.","start_word":442,"end_word":452,"sentiment":"negative","sentiment_score":-0.42236828804016113},{"text":"And what's already Being been paid is about 15 something, I think, as far as I could tell. And I had a look at Hub. paid. No. That's okay. I'm just logging in and battling with technology while I do it. Because I can tell you exactly what's been paid so far for the year and in what categories. So currently, 15,744 has been paid. But the most recent of those payments is, like, the beginning of April. Is that right? Or mid Sorry. April 1? I'm looking at two different screens. I believe that's correct. Yes. Which by the sounds of it so if your employer is paying mid April, that means that they're probably not gonna pay those final pays until next financial year, and those will land mid July. Yeah. So they're Yeah. not gonna count towards this financial year, which means we have room to move this year in terms of how much we put in. Well, That's I've already obviously asked my accountant I've already asked my accountant about this as well. And cool. their their advice is that I've got, like, $60 up Yeah. up my sleeve if I wanted to, which I don't want to. So I've got no issues with the upper limit as far as I can tell. No. Yeah. You've you've got plenty of room Yeah.","start_word":453,"end_word":678,"sentiment":"neutral","sentiment_score":0.011415142565965652},{"text":"to be able to put put money in without affecting I've anything.","start_word":679,"end_word":690,"sentiment":"positive","sentiment_score":0.4113357365131378},{"text":"also got yeah. I've also got a carry forward balance, apparently. Yes. You do. Yeah. Which I yeah. I was looking at Which as well. is $6,262,000 or 6 yeah. Yeah. So I guess the the the biggest part is is that, obviously, $250,000 for the year means that you're paying about $88 worth of tax, which would have come out of the payments you've already like, the lump sum, it would have been taken out of that. It would have been taken out of your your take home pay or your Yes. your gross pay before you you you were paid it. So what is, I guess, the overall desired outcome with using your super fund? Because you can 100% have a very, very effective tax savings strategy by putting money into your super fund because currently, like, $60 of the money that you're being paid is being taxed at the highest tax bracket because anything Yep. over 190 fits into that high tax bracket.","start_word":691,"end_word":856,"sentiment":"neutral","sentiment_score":0.06417246907949448},{"text":"So Yep. any money that you would have put into your superannuation fund would essentially save on your income and give you a quite a sufficient with quite a good tax return.","start_word":857,"end_word":888,"sentiment":"positive","sentiment_score":0.562826931476593},{"text":"It just depends on Yeah. how much And you I guess wanna lock away. that's what I'm probably just juggling with at the moment. Yeah. Because I think I mentioned to Sam that I probably got I probably don't wanna put more than 20, and I've I've gotta think over this next day or two where I don't wanna put that much because I don't have a job.","start_word":889,"end_word":956,"sentiment":"neutral","sentiment_score":-0.21658530831336975},{"text":"So I've gotta I've gotta be careful with what I'm actually doing with it.","start_word":957,"end_word":970,"sentiment":"negative","sentiment_score":-0.36022865772247314},{"text":"Yep. So, yeah, I just I'm talking to my wife. I think that I'd probably be looking at, you know, 10 or 15 maybe to put in. What I probably just wanted to understand Yep. was how beneficial that would be. And, Yep. Yeah. like, it does sound like the more the merrier, to be honest, up to up to pretty Yep. much to 60,000. Right? Yeah. So, realistically speaking, what's gonna happen is any money that you put in and, like, because we're very, very close to the end of financial year.","start_word":971,"end_word":1063,"sentiment":"neutral","sentiment_score":0.0494262749950091},{"text":"You have a little but you're kind of running out of days really quick.","start_word":1064,"end_word":1077,"sentiment":"negative","sentiment_score":-0.3356986939907074},{"text":"Yeah. Yeah. Yeah. You basically have up until I don't wanna push it anything more than Friday to put money in. I generally Yep. tell clients not to push anything further than Friday. So what you what you would do is you just make a contribution, and that can be made anytime between, like, now and Friday or now and the end of the financial year realistically, but the money has to be in your account, which is why I say Friday. Yeah. Okay. What is what's today? So '20 Today's March the twenty third. six The financial seven eight. year ends But on Monday Tuesday. is yeah. Okay. So Monday is the twenty ninth, isn't it? Yes. Oh, okay. So if I put something in Friday, it should clear by Tuesday, It will. August. It'll clear So it'll clear by Tuesday. yeah. Realistically, Yeah. So I I have clients that put money in on Monday, like, on the day before financial year and it clears. wanna yeah. But it's always like a hold on to your seat, ladies and gentlemen, wearing Oh, for yeah. a bumpy Okay. twenty four hours.","start_word":1078,"end_word":1268,"sentiment":"neutral","sentiment_score":0.06545809656381607},{"text":"So, yeah, I just I I never like you know, stress is just not worth it. This this this time of year is already stressful enough for those in Ross.","start_word":1269,"end_word":1298,"sentiment":"negative","sentiment_score":-0.578377366065979},{"text":"finance. Ross. So what you what we do from there is once the money's in, we can all take a sigh of relief because what would need to happen is you need to submit what's called a notice intent to claim. And, basically, Yep. what that does is that informs the super fund to charge the 15% super tax rate, which means that you are then able to claim back on your tax return, the tax the marginal rate that you've paid. So to put that in perspective, let's just say, so your 250,000 is what you've earned for the year, which means that you've paid $88,138 in income tax, and that's income Yep. tax. And you will have been hit with division two nine three and Medicare levy and all the rest of the stuff. Right? If you were to put $20 in just because I'm keeping to round numbers because I'm Yep. a little bit lazy at this time of day, but pre lunch, what's gonna happen is your income tax will drop down to only being well, I say only, but to having owed 75,378, which means you're getting $12 back. $1,212,760 dollars back on the 20 Mhmm. grand that you put into your super fund. So you're putting $20 in, you'll get money back. This is without considering any potential tax deductions you may be able to claim on and anything else that may pop up in your tax return, but that's Yep. just purely the numbers between the two. So you're not gonna Okay. get dollar So that's for dollar, just the but difference you're gonna between get a the bit. the 47% and the is it 30 in the next one down? Oh, that's not I mean, that's not even hitting the 30%. Like, if you put $60 in, you're gonna push yourself completely out of that highest 47% tax bracket. But it it what it is is because that money is being charged at that 47% rate, that's why you're getting so much back. Right. Okay. But if in terms of what just the when you say is it the 293, the VIN 2932732 whatever. To vision 239 two nine three. Yep. 293. That's that that's still gonna be applicable though, isn't it? It is. Yeah. Yeah. Yeah. Because it's whether your total is above $2.50 in that. I'm not changing Correct. the total. No. You're not. It's just no. Okay. So does It's that a no mean it's at a lesser amount though, which is cool. But yeah. yeah. Yeah. Okay. So when I put let's say I put 15 k in, Yep. will that will hub 24 then remove the 15% that it has to, and then I can completely remove that from my taxable income? Or does it look at the difference? Does it say, I've already It's paid the 15%, and so only the the difference between, what is it, fifteen and and forty seven is yeah. what I would be getting back, or is it less No. complicated than that? It's it's the first one. It's less complicated.","start_word":1299,"end_word":1818,"sentiment":"neutral","sentiment_score":0.0012033571274234695},{"text":"Everyone tries to overcomplicate it.","start_word":1819,"end_word":1823,"sentiment":"negative","sentiment_score":-0.4386681020259857},{"text":"It's okay.","start_word":1824,"end_word":1825,"sentiment":"neutral","sentiment_score":0.3040384352207184},{"text":"So money goes in, and because you've already paid your marginal tax rate, the money actually goes in tax free, as in no money, no taxes being paid from the super fund.","start_word":1826,"end_word":1857,"sentiment":"positive","sentiment_score":0.5019751787185669},{"text":"And nothing happens to it.","start_word":1858,"end_word":1862,"sentiment":"neutral","sentiment_score":0.2997898757457733},{"text":"So it just goes straight in. It goes straight in from your Yep.","start_word":1863,"end_word":1875,"sentiment":"positive","sentiment_score":0.3886280059814453},{"text":"bank account to to the bank account owned by your super fund and gets Mhmm. allocated to your account based on the reference that you use. From Yep. there, you email me, call me, let me know, and I can lodge what's called a notice of intention to claim or vary a superannuation contribution. Uh-huh. It's a stupid name, And but you guys can actually do that on my I behalf. can do I it don't on have your to behalf. fill that Yeah. out. Yep. You don't have to fill out a form. I mean, I can send you the form to fill out if you really feel like No. it, but No. I can I don't do it have a in three buttons. printer that works. So Fair. So what I do is you you you may you email me and say, hey. I made the 15,000 contribution. I'm claiming the $15,000. Please lodge. And I will literally go in and lodge it and email you confirmation that happened. What happens from there is the Superfund then processes, and you have twelve months from the end of the financial year to lodge that document. So just because you pay the make the payment today, you don't have to lodge that notice of intent to claim until the June 30 year. Obviously, I But would I recommend need we do to it do sooner it rather than later and before oh, you do so your tax return. so it has to be done before I do my tax return for this financial. Correct. Yes. Yeah. Yeah. It has to Okay. be done before you do your tax return. So we lodge that form. The super fund pays the 15%. So now, technically, the money is being double taxed. Taxed at your marginal rate, taxed at the superannuation rate. The super fund gives you a receipt. You take that receipt and you submit and lodge it with your accountant during your tax return, and it Yep. all comes back.","start_word":1876,"end_word":2214,"sentiment":"neutral","sentiment_score":0.1176861068975609},{"text":"Okay. Excellent. Yeah.","start_word":2215,"end_word":2217,"sentiment":"positive","sentiment_score":0.5230265855789185},{"text":"So how much did you say for 20 grands that I would be accessing? Just shy of about 12 and a half. 12 and a half. And that's pretty linear between 10 20. Right? There's no no magical jumps throughout that. So if it was 10, No. it'd be, like, 6.25, whatever. Yeah. Yeah. Okay.","start_word":2218,"end_word":2272,"sentiment":"neutral","sentiment_score":0.055888958275318146},{"text":"That makes it really easy.","start_word":2273,"end_word":2277,"sentiment":"positive","sentiment_score":0.46733614802360535},{"text":"So to do that then, I would just go into Hub 24 and use the BPAY info to contribute. Yeah. Would you like Yep. me to email it to you just so that way there's no confusion? Because there is Yes. four different I'd hate to get contribution. it wrong. It's just there's two different contribution types, and they have two different methods to be able to pay. They have an ETF and a BPAY. Yep. And BPAY is faster and more efficient on how it gets allocated versus ETF or electronic funds Yep. transfer. And I don't want you to accidentally use the wrong reference number and, a, Yeah. add it to someone else's account or, b, Yeah. make the contribution Yep.","start_word":2278,"end_word":2400,"sentiment":"neutral","sentiment_score":0.04373795539140701},{"text":"in the wrong manner.","start_word":2401,"end_word":2404,"sentiment":"negative","sentiment_score":-0.3536803424358368},{"text":"So I Yeah. will email I logged the in details for you. I logged in yesterday, and I thought that I'd found something, but it would make a lot of sense for you to point me to exactly where I need to go. Yeah. It's like, it's it's not hard to navigate it once you learn how to navigate it. But, yeah, it's just it's under the contribution details tab in that menu. It's just they have the ETF and they have BPAY. ETF, I actually find, takes a little bit longer to allocate to the account because it's a Yep. manual allocation versus the BPAY because it has a numerical reference number. It allocates literally it's actually straight away. But there's two different reference numbers. One's for a member voluntary and one's for a spousal contribution, and I have had clients mess it up before, put the spousal contribution in. So I'm kind of a little bit, you know, I did notice burnt that once. there. Yeah. I did notice a difference between those. Yeah. Look. I'm unlikely to get it wrong, but I'm I I'm don't at I'm I'll at never third say once. never. Don't do it yeah. So I will email them to you, and that way you have my direct email as well.","start_word":2405,"end_word":2622,"sentiment":"neutral","sentiment_score":0.01743736828104892},{"text":"You can let me know Oh, when that'd you've be made great.","start_word":2623,"end_word":2634,"sentiment":"positive","sentiment_score":0.42796579003334045},{"text":"it Yeah. and how much you've popped in. Yep. And what I do is, like, after this conversation, I'm gonna pop pop in my calendar for Friday to keep an eye on your account, and I'll log in and jump onto your account and have a look because you're not one of my clients. Your adviser, Tommy, is on the phone at the moment with other Yep. clients doing the same thing. And I know that you want to talk to someone, so I figured I'd jump on the phone. So I Yep. won't get the notification till his team will get it, but I'll I'll jump on on Friday, make sure that it's been there. I'll let you know that the money's hit and just confirm that I'm processing the notice of intent to claim, and that'll all go through. Okay? Okay.","start_word":2635,"end_word":2777,"sentiment":"neutral","sentiment_score":0.14822353422641754},{"text":"Fantastic. Amazing. Too easy.","start_word":2778,"end_word":2781,"sentiment":"positive","sentiment_score":0.6282155513763428},{"text":"Any other questions? Well no. No. No. So you'll shoot through an email to me, and Yep. that'll point me where to go. And I will give you the numbers perfectly. Yes.","start_word":2782,"end_word":2813,"sentiment":"neutral","sentiment_score":0.14189404190983623},{"text":"Yeah. Perfect. Excellent. Alright. Fantastic. Amazing. Awesome. Well, if there's any questions, Thanks.","start_word":2814,"end_word":2826,"sentiment":"positive","sentiment_score":0.5917704701423645},{"text":"feel free to reach out to me via email or just give me a call.","start_word":2827,"end_word":2841,"sentiment":"neutral","sentiment_score":0.27215027809143066},{"text":"Oh, well, thanks, Larissa, and have a good lunch. Yes. Thank you. Indeed. Bye, Max.","start_word":2842,"end_word":2856,"sentiment":"positive","sentiment_score":0.5577096343040466}],"average":{"sentiment":"neutral","sentiment_score":0.052133328135002266}}}}