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It depends how much you do wanna run through. It can take maybe up to half an hour or just ten, fifteen depending on how many questions you had asked you under review with my colleagues. Yeah. We'll we'll try to make it quick for you if you're in a bit of a rush. Now just before I do go any further, I just need to you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yeah. Perfect. And just to confirm I am speaking with the right person, I do have a password on file. Do you know what that might be? Yeah. Perfect. That's exactly what I have here. Now like I said, I know you had your annual review with my colleague, Michelle, a little while ago. And following the annual review, you had a couple of questions in regards to your contributions. Is that right? Yeah. Now what is it, I guess, that I can help you with when it comes to your contribution? Mhmm. Mhmm. Okay. Now because you're a sole trader. Correct? Yes. Perfect. And do you pay yourself a the company struck, is it set up as a sole trader? Or yeah. Okay. Perfect. Because, yeah, there are different ways you can contribute depending on how the business is set up. So if it is that you are a sole trader, you're not required to obviously pay contributions, like, if you are, like, employed and stuff, and you can do exactly like you said, just through random amounts, however however you do it. Now because it's from your after after tax income, so from your bank account the way it is right now, bank account the way it is right now. Yeah. After yep. Perfect. And after after tax has been paid from the business? Yes. So because it's done, that way you can claim a notice of intent for superannuation for you before the end of each financial year, which we can assist you with to do that. So do you want us have you already done your tax return for last financial year? Yes. So, typically, you would do it before you lodge your tax return for the year, but you can make very yes. That is correct. You can make variations to that. So if it is something you want us to assist you with, I can get the team to send you the forms, and we can definitely assist you with with doing that. Because, yes, that is correct. Especially the you are contributing, we can definitely do that because it's obviously cheaper inside super. So, yeah, definitely wanting to do that. So I'll get the team to email that to you. We can definitely backtrack that. Now aside from that as well, I do have here that you wanted to talk about potentially making some changes to your portfolio. Mhmm. Yes. You definitely can. Now there are, I guess, two ways we can do it. So if you have a specific request of how much you want specifically, which investments you would like to change, we can just authorize that on on your behalf. But if you would like me to do some research on your portfolio and see which ones would be good to swap out and include gold instead, I'd be more than happy to do that for you. Yeah. It's gone up. Yeah. Yes. Now now I do wanna let you know that by doing it because typically at the moment, we have you invested in aggressive portfolio, which typically see about a 100% invested in your your equity and stuff. So by introducing gold, it will change that asset allocation a little bit. So I can look at bringing it down step to still obviously focusing on maximizing growth for you. But if we focus on a high growth portfolio, we have about 90% in your growth assets and then about 10% of the and in that, I can incorporate gold for you. Yeah? Okay. Perfect. Now I will go and do that research for you. Now it might take a couple of weeks to get everything together. I'll try to do it as quickly as I can for you. Is there anything else that's important to you in regards to your superannuation while I am making those research, or is it mainly just trying to go as much as possible and add gold to the portfolio? Yep. Great. Perfect. Now has there been any other changes or anything else from when you spoke to my colleague, Michelle, otherwise, or everything's all the same? Yep. Okay. Perfect. Anything else you would like me to research for you or not? That's basically it. Yep. Alright. Perfect. Now I will go and do this research for you, Rob. As soon as I have it ready, I'll give you a call, run through the recommendation, and then you can let me know what you would like to do. I'll get the team to email email you to make the notice of intent for you. But do you have any other questions or anything else for me otherwise? No? Alright. Perfect. Well, that was nice and easy. I hope you enjoy the rest of your day, and I look forward to speaking with you soon again. Mhmm. Thanks. 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morning, Rob. This is Veronica from OQ Financial. How are you this morning? That's good. I had you booked in for a bit of a catch up.\n\nIs now still a good time you? It depends how much you do wanna run through. It can take maybe up to half an hour or just ten, fifteen depending on how many questions you had asked you under review with my colleagues. Yeah. We'll we'll try to make it quick for you if you're in a bit of a rush.\n\nNow just before I do go any further, I just need to you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yeah. Perfect. And just to confirm I am speaking with the right person, I do have a password on file. Do you know what that might be?\n\nYeah. Perfect. That's exactly what I have here. Now like I said, I know you had your annual review with my colleague, Michelle, a little while ago. And following the annual review, you had a couple of questions in regards to your contributions.\n\nIs that right? Yeah. Now what is it, I guess, that I can help you with when it comes to your contribution? Mhmm. Mhmm.\n\nOkay. Now because you're a sole trader. Correct? Yes. Perfect.\n\nAnd do you pay yourself a the company struck, is it set up as a sole trader? Or yeah. Okay. Perfect. Because, yeah, there are different ways you can contribute depending on how the business is set up.\n\nSo if it is that you are a sole trader, you're not required to obviously pay contributions, like, if you are, like, employed and stuff, and you can do exactly like you said, just through random amounts, however however you do it. Now because it's from your after after tax income, so from your bank account the way it is right now, bank account the way it is right now. Yeah. After yep. Perfect.\n\nAnd after after tax has been paid from the business? Yes. So because it's done, that way you can claim a notice of intent for superannuation for you before the end of each financial year, which we can assist you with to do that. So do you want us have you already done your tax return for last financial year? Yes.\n\nSo, typically, you would do it before you lodge your tax return for the year, but you can make very yes. That is correct. You can make variations to that. So if it is something you want us to assist you with, I can get the team to send you the forms, and we can definitely assist you with with doing that. Because, yes, that is correct.\n\nEspecially the you are contributing, we can definitely do that because it's obviously cheaper inside super. So, yeah, definitely wanting to do that. So I'll get the team to email that to you. We can definitely backtrack that. Now aside from that as well, I do have here that you wanted to talk about potentially making some changes to your portfolio.\n\nMhmm. Yes. You definitely can. Now there are, I guess, two ways we can do it. So if you have a specific request of how much you want specifically, which investments you would like to change, we can just authorize that on on your behalf.\n\nBut if you would like me to do some research on your portfolio and see which ones would be good to swap out and include gold instead, I'd be more than happy to do that for you. Yeah. It's gone up. Yeah. Yes.\n\nNow now I do wanna let you know that by doing it because typically at the moment, we have you invested in aggressive portfolio, which typically see about a 100% invested in your your equity and stuff. So by introducing gold, it will change that asset allocation a little bit. So I can look at bringing it down step to still obviously focusing on maximizing growth for you. But if we focus on a high growth portfolio, we have about 90% in your growth assets and then about 10% of the and in that, I can incorporate gold for you. Yeah?\n\nOkay. Perfect. Now I will go and do that research for you. Now it might take a couple of weeks to get everything together. I'll try to do it as quickly as I can for you.\n\nIs there anything else that's important to you in regards to your superannuation while I am making those research, or is it mainly just trying to go as much as possible and add gold to the portfolio? Yep. Great. Perfect. Now has there been any other changes or anything else from when you spoke to my colleague, Michelle, otherwise, or everything's all the same?\n\nYep. Okay. Perfect. Anything else you would like me to research for you or not? That's basically it.\n\nYep. Alright. Perfect. Now I will go and do this research for you, Rob. As soon as I have it ready, I'll give you a call, run through the recommendation, and then you can let me know what you would like to do.\n\nI'll get the team to email email you to make the notice of intent for you. But do you have any other questions or anything else for me otherwise? No? Alright. Perfect.\n\nWell, that was nice and easy. I hope you enjoy the rest of your day, and I look forward to speaking with you soon again. Mhmm. Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Good morning, Rob.","start":1.8399999,"end":2.6399999,"sentiment":"positive","sentiment_score":0.4374442398548126},{"text":"This is Veronica from OQ Financial.","start":2.6399999,"end":4.48,"sentiment":"positive","sentiment_score":0.35624933739503223},{"text":"How are you this morning?","start":4.48,"end":5.62,"sentiment":"neutral","sentiment_score":0.3139447033405304},{"text":"That's good.","start":7.44,"end":8.34,"sentiment":"positive","sentiment_score":0.6102831363677979},{"text":"I had you booked in for a bit of a catch up.","start":8.96,"end":11.04,"sentiment":"neutral","sentiment_score":0.3122141969700654}],"sentiment":"positive","sentiment_score":0.3566674606076309,"num_words":28,"start":1.8399999,"end":11.04},{"sentences":[{"text":"Is now still a good time you?","start":11.04,"end":15.315001,"sentiment":"neutral","sentiment_score":0.2145405544766358},{"text":"It depends how much you do wanna run through.","start":16.895,"end":20.355,"sentiment":"neutral","sentiment_score":0.011623072334461741},{"text":"It can take maybe up to half an hour or just ten, fifteen depending on how many questions you had asked you under review with my colleagues.","start":20.575,"end":29.029999,"sentiment":"neutral","sentiment_score":0.033799455811580024},{"text":"Yeah.","start":32.45,"end":32.85,"sentiment":"neutral","sentiment_score":0.10235562175512314},{"text":"We'll we'll try to make it quick for you if you're in a bit of a rush.","start":32.85,"end":35.67,"sentiment":"neutral","sentiment_score":0.12431720337446998}],"sentiment":"neutral","sentiment_score":0.07761844128492426,"num_words":61,"start":11.04,"end":35.67},{"sentences":[{"text":"Now just before I do go any further, I just need to you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":37.25,"end":44.644997,"sentiment":"neutral","sentiment_score":0.019532234208392247},{"text":"Yeah.","start":46.225,"end":46.625,"sentiment":"neutral","sentiment_score":0.26282748579978943},{"text":"Perfect.","start":46.625,"end":47.125,"sentiment":"positive","sentiment_score":0.4560573697090149},{"text":"And just to confirm I am speaking with the right person, I do have a password on file.","start":47.344997,"end":51.824997,"sentiment":"neutral","sentiment_score":0.15274861372179455},{"text":"Do you know what that might be?","start":51.824997,"end":53.445,"sentiment":"neutral","sentiment_score":0.050892053438084464}],"sentiment":"neutral","sentiment_score":0.0794819424436851,"num_words":55,"start":37.25,"end":53.445},{"sentences":[{"text":"Yeah.","start":53.664997,"end":54.065,"sentiment":"neutral","sentiment_score":0.16581781208515167},{"text":"Perfect.","start":54.065,"end":54.464996,"sentiment":"positive","sentiment_score":0.3748316168785095},{"text":"That's exactly what I have here.","start":54.464996,"end":56.36,"sentiment":"positive","sentiment_score":0.41237595677375793},{"text":"Now like I said, I know you had your annual review with my colleague, Michelle, a little while ago.","start":57.3,"end":62.100002,"sentiment":"neutral","sentiment_score":0.06782047117227002},{"text":"And following the annual review, you had a couple of questions in regards to your contributions.","start":62.100002,"end":66.520004,"sentiment":"neutral","sentiment_score":0.04889815277419984}],"sentiment":"neutral","sentiment_score":0.11827592014573342,"num_words":43,"start":53.664997,"end":66.520004},{"sentences":[{"text":"Is that right?","start":66.98,"end":67.880005,"sentiment":"neutral","sentiment_score":0.04975377023220062},{"text":"Yeah.","start":69.380005,"end":69.880005,"sentiment":"neutral","sentiment_score":0.01301751658320427},{"text":"Now what is it, I guess, that I can help you with when it comes to your contribution?","start":70.74,"end":74.435,"sentiment":"neutral","sentiment_score":0.04296140559017658},{"text":"Mhmm.","start":83.695,"end":83.774994,"sentiment":"neutral","sentiment_score":-0.07534581422805786},{"text":"Mhmm.","start":83.774994,"end":83.91,"sentiment":"neutral","sentiment_score":-0.0718626081943512}],"sentiment":"neutral","sentiment_score":0.032848987728357315,"num_words":24,"start":66.98,"end":83.91},{"sentences":[{"text":"Okay.","start":88.630005,"end":89.130005,"sentiment":"neutral","sentiment_score":-0.01289455872029066},{"text":"Now because you're a sole trader.","start":89.83,"end":92.810005,"sentiment":"neutral","sentiment_score":0.006204633042216301},{"text":"Correct?","start":92.87,"end":93.37,"sentiment":"neutral","sentiment_score":0.02657541446387768},{"text":"Yes.","start":94.39,"end":94.89,"sentiment":"neutral","sentiment_score":0.08801379799842834},{"text":"Perfect.","start":94.950005,"end":95.450005,"sentiment":"neutral","sentiment_score":0.022144481539726257}],"sentiment":"neutral","sentiment_score":0.016106693353503943,"num_words":10,"start":88.630005,"end":95.450005},{"sentences":[{"text":"And do you pay yourself a the company struck, is it set up as a sole trader?","start":95.91,"end":113.96001,"sentiment":"neutral","sentiment_score":0.008310583584448871},{"text":"Or yeah.","start":117.22,"end":117.94,"sentiment":"neutral","sentiment_score":0.07736305519938469},{"text":"Okay.","start":117.94,"end":118.420006,"sentiment":"neutral","sentiment_score":0.2861199378967285},{"text":"Perfect.","start":118.420006,"end":118.920006,"sentiment":"positive","sentiment_score":0.681098997592926},{"text":"Because, yeah, there are different ways you can contribute depending on how the business is set up.","start":121.3,"end":126.12,"sentiment":"neutral","sentiment_score":0.3045547762337853}],"sentiment":"neutral","sentiment_score":0.1694909516525896,"num_words":38,"start":95.91,"end":126.12},{"sentences":[{"text":"So if it is that you are a sole trader, you're not required to obviously pay contributions, like, if you are, like, employed and stuff, and you can do exactly like you said, just through random amounts, however however you do it.","start":126.340004,"end":138.575,"sentiment":"neutral","sentiment_score":0.20822284406139738},{"text":"Now because it's from your after after tax income, so from your bank account the way it is right now, bank account the way it is right now.","start":139.435,"end":146.61,"sentiment":"neutral","sentiment_score":0.06950124725699425},{"text":"Yeah.","start":152.03,"end":152.43,"sentiment":"neutral","sentiment_score":0.028050625696778297},{"text":"After yep.","start":152.43,"end":156.18999,"sentiment":"neutral","sentiment_score":0.03735796734690666},{"text":"Perfect.","start":156.18999,"end":156.67,"sentiment":"positive","sentiment_score":0.3856516480445862}],"sentiment":"neutral","sentiment_score":0.15107854840823928,"num_words":74,"start":126.340004,"end":156.67},{"sentences":[{"text":"And after after tax has been paid from the business?","start":156.67,"end":163.58499,"sentiment":"neutral","sentiment_score":0.06080394983291626},{"text":"Yes.","start":164.685,"end":165.005,"sentiment":"neutral","sentiment_score":0.15880611538887024},{"text":"So because it's done, that way you can claim a notice of intent for superannuation for you before the end of each financial year, which we can assist you with to do that.","start":165.005,"end":177.40001,"sentiment":"neutral","sentiment_score":0.2934092723510482},{"text":"So do you want us have you already done your tax return for last financial year?","start":178.98001,"end":189.935,"sentiment":"neutral","sentiment_score":0.07843791227787733},{"text":"Yes.","start":192.075,"end":192.575,"sentiment":"neutral","sentiment_score":0.1102008819580078}],"sentiment":"neutral","sentiment_score":0.1936812963886339,"num_words":61,"start":156.67,"end":192.575},{"sentences":[{"text":"So, typically, you would do it before you lodge your tax return for the year, but you can make very yes.","start":192.795,"end":201.03,"sentiment":"neutral","sentiment_score":0.05019600813587507},{"text":"That is correct.","start":201.03,"end":201.75,"sentiment":"neutral","sentiment_score":0.2534781942764918},{"text":"You can make variations to that.","start":201.75,"end":203.77,"sentiment":"neutral","sentiment_score":0.12389820565780003},{"text":"So if it is something you want us to assist you with, I can get the team to send you the forms, and we can definitely assist you with with doing that.","start":204.06999,"end":211.51,"sentiment":"neutral","sentiment_score":0.3050257060676813},{"text":"Because, yes, that is correct.","start":211.51,"end":212.47,"sentiment":"positive","sentiment_score":0.554442173242569}],"sentiment":"neutral","sentiment_score":0.22523840967176564,"num_words":67,"start":192.795,"end":212.47},{"sentences":[{"text":"Especially the you are contributing, we can definitely do that because it's obviously cheaper inside super.","start":212.47,"end":218.605,"sentiment":"positive","sentiment_score":0.6738377809524536},{"text":"So, yeah, definitely wanting to do that.","start":218.605,"end":220.685,"sentiment":"positive","sentiment_score":0.5977838933467865},{"text":"So I'll get the team to email that to you.","start":220.685,"end":223.265,"sentiment":"neutral","sentiment_score":0.28740698248147967},{"text":"We can definitely backtrack that.","start":223.285,"end":225.98499,"sentiment":"neutral","sentiment_score":0.0340867891907692},{"text":"Now aside from that as well, I do have here that you wanted to talk about potentially making some changes to your portfolio.","start":227.48499,"end":234.20999,"sentiment":"neutral","sentiment_score":0.09645815193653107}],"sentiment":"neutral","sentiment_score":0.33162185268812494,"num_words":61,"start":212.47,"end":234.20999},{"sentences":[{"text":"Mhmm.","start":236.83,"end":237.33,"sentiment":"neutral","sentiment_score":0.010786529630422592},{"text":"Yes.","start":240.11,"end":240.51,"sentiment":"neutral","sentiment_score":0.2246021330356598},{"text":"You definitely can.","start":240.51,"end":241.81,"sentiment":"positive","sentiment_score":0.353060523668925},{"text":"Now there are, I guess, two ways we can do it.","start":242.51,"end":245.565,"sentiment":"neutral","sentiment_score":0.16943346099420029},{"text":"So if you have a specific request of how much you want specifically, which investments you would like to change, we can just authorize that on on your behalf.","start":245.565,"end":255.08499,"sentiment":"neutral","sentiment_score":0.12966366330611295}],"sentiment":"neutral","sentiment_score":0.15374632312191858,"num_words":45,"start":236.83,"end":255.08499},{"sentences":[{"text":"But if you would like me to do some research on your portfolio and see which ones would be good to swap out and include gold instead, I'd be more than happy to do that for you.","start":255.08499,"end":266.58002,"sentiment":"neutral","sentiment_score":0.14692634797176798},{"text":"Yeah.","start":268.72,"end":269.22,"sentiment":"neutral","sentiment_score":0.04322286695241928},{"text":"It's gone up.","start":272.64,"end":273.435,"sentiment":"neutral","sentiment_score":-0.11427632719278336},{"text":"Yeah.","start":274.395,"end":274.895,"sentiment":"neutral","sentiment_score":-0.028298288583755493},{"text":"Yes.","start":276.315,"end":276.715,"sentiment":"neutral","sentiment_score":0.03507338464260101}],"sentiment":"neutral","sentiment_score":0.11961497340437978,"num_words":43,"start":255.08499,"end":276.715},{"sentences":[{"text":"Now now I do wanna let you know that by doing it because typically at the moment, we have you invested in aggressive portfolio, which typically see about a 100% invested in your your equity and stuff.","start":276.715,"end":295.33,"sentiment":"neutral","sentiment_score":0.04682603453260821},{"text":"So by introducing gold, it will change that asset allocation a little bit.","start":295.47,"end":300.75,"sentiment":"neutral","sentiment_score":-0.005597299394699244},{"text":"So I can look at bringing it down step to still obviously focusing on maximizing growth for you.","start":300.75,"end":306.54498,"sentiment":"neutral","sentiment_score":0.11335155533419715},{"text":"But if we focus on a high growth portfolio, we have about 90% in your growth assets and then about 10% of the and in that, I can incorporate gold for you.","start":306.685,"end":319.16998,"sentiment":"neutral","sentiment_score":0.08955924620386213},{"text":"Yeah?","start":320.50998,"end":320.90997,"sentiment":"neutral","sentiment_score":0.2935470640659332}],"sentiment":"neutral","sentiment_score":0.067916527962183,"num_words":101,"start":276.715,"end":320.90997},{"sentences":[{"text":"Okay.","start":320.90997,"end":321.40997,"sentiment":"positive","sentiment_score":0.5006119012832642},{"text":"Perfect.","start":321.87,"end":322.37,"sentiment":"positive","sentiment_score":0.6762032508850098},{"text":"Now I will go and do that research for you.","start":322.66998,"end":324.59,"sentiment":"neutral","sentiment_score":0.2972548514604568},{"text":"Now it might take a couple of weeks to get everything together.","start":324.59,"end":327.06998,"sentiment":"neutral","sentiment_score":0.11973351240158081},{"text":"I'll try to do it as quickly as I can for you.","start":327.06998,"end":329.905,"sentiment":"neutral","sentiment_score":0.2366070623199145}],"sentiment":"neutral","sentiment_score":0.23404029342863295,"num_words":36,"start":320.90997,"end":329.905},{"sentences":[{"text":"Is there anything else that's important to you in regards to your superannuation while I am making those research, or is it mainly just trying to go as much as possible and add gold to the portfolio?","start":331.325,"end":340.465,"sentiment":"neutral","sentiment_score":0.09323771519435418},{"text":"Yep.","start":343.245,"end":343.565,"sentiment":"neutral","sentiment_score":0.20494139194488523},{"text":"Great.","start":343.565,"end":344.065,"sentiment":"positive","sentiment_score":0.6633480787277222},{"text":"Perfect.","start":344.58002,"end":345.08002,"sentiment":"positive","sentiment_score":0.5674148797988892},{"text":"Now has there been any other changes or anything else from when you spoke to my colleague, Michelle, otherwise, or everything's all the same?","start":345.14,"end":352.28,"sentiment":"neutral","sentiment_score":0.021753027259061735}],"sentiment":"neutral","sentiment_score":0.0844933197950013,"num_words":64,"start":331.325,"end":352.28},{"sentences":[{"text":"Yep.","start":352.74,"end":353.24,"sentiment":"neutral","sentiment_score":0.05848780274391174},{"text":"Okay.","start":353.62,"end":354.12,"sentiment":"neutral","sentiment_score":0.10731244087219238},{"text":"Perfect.","start":354.26,"end":354.76,"sentiment":"neutral","sentiment_score":0.30680620670318604},{"text":"Anything else you would like me to research for you or not?","start":356.18,"end":359.175,"sentiment":"neutral","sentiment_score":0.07334792117277782},{"text":"That's basically it.","start":359.25497,"end":360.47498,"sentiment":"neutral","sentiment_score":0.08121903489033382}],"sentiment":"neutral","sentiment_score":0.08869103383686808,"num_words":18,"start":352.74,"end":360.47498},{"sentences":[{"text":"Yep.","start":361.735,"end":362.055,"sentiment":"neutral","sentiment_score":0.14097869396209717},{"text":"Alright.","start":362.055,"end":362.53497,"sentiment":"neutral","sentiment_score":0.28044506907463074},{"text":"Perfect.","start":362.53497,"end":363.03497,"sentiment":"positive","sentiment_score":0.48487603664398193},{"text":"Now I will go and do this research for you, Rob.","start":363.815,"end":366.055,"sentiment":"neutral","sentiment_score":0.2839727130803195},{"text":"As soon as I have it ready, I'll give you a call, run through the recommendation, and then you can let me know what you would like to do.","start":366.055,"end":372.07498,"sentiment":"neutral","sentiment_score":0.2261320337139327}],"sentiment":"neutral","sentiment_score":0.24622857258763425,"num_words":43,"start":361.735,"end":372.07498},{"sentences":[{"text":"I'll get the team to email email you to make the notice of intent for you.","start":372.775,"end":377.05,"sentiment":"neutral","sentiment_score":0.28153076115995646},{"text":"But do you have any other questions or anything else for me otherwise?","start":377.27,"end":380.65,"sentiment":"neutral","sentiment_score":0.08845241969594589},{"text":"No?","start":382.06998,"end":382.46997,"sentiment":"neutral","sentiment_score":0.019617129117250443},{"text":"Alright.","start":382.46997,"end":382.94998,"sentiment":"neutral","sentiment_score":0.26505982875823975},{"text":"Perfect.","start":382.94998,"end":383.27,"sentiment":"positive","sentiment_score":0.5274606943130493}],"sentiment":"neutral","sentiment_score":0.2020784777123481,"num_words":32,"start":372.775,"end":383.27},{"sentences":[{"text":"Well, that was nice and easy.","start":383.27,"end":384.56998,"sentiment":"positive","sentiment_score":0.624639001985391},{"text":"I hope you enjoy the rest of your day, and I look forward to speaking with you soon again.","start":385.79294,"end":389.41296,"sentiment":"positive","sentiment_score":0.7875989126531702},{"text":"Mhmm.","start":390.75296,"end":391.07294,"sentiment":"neutral","sentiment_score":0.20011410117149353},{"text":"Thanks.","start":391.07294,"end":391.55295,"sentiment":"positive","sentiment_score":0.5025498867034912},{"text":"Bye.","start":391.55295,"end":392.05295,"sentiment":"neutral","sentiment_score":0.2885134220123291}],"sentiment":"positive","sentiment_score":0.7036925272217819,"num_words":28,"start":383.27,"end":392.05295}]}}]},{"alternatives":[{"transcript":"Hello. Rob speaking. Yeah. Not sure. Yeah. How long will it take? Alrighty. Yeah. Yeah. Yeah. No. No. It should be fine then. Yeah. It is fine. Buckingham. Yep. But my contributions that I'm doing at the moment, my accountant says they're gonna they're meant to be going for a different way because they're meant to be tax deductible. And the way I'm doing at the moment, they're not or something. Yes. I'd not on and off. Yes. Yes and no. So so what I basically do, I just pay a $120 a a week into my super. Yeah. Let's set up as a PTY Limited. Yes. It's coming straight from my my business account. It's not coming from me. It's coming from my business account. So my business is paying that. My business is paying that, not me. Yeah. The taxes are paid later on in every quarter. Yep. My account says I should be able to claim it for the last this last year and the year before. Yes. I have. Yeah. They said I can back I can do a backwards claim up to two years. Yep. Yep. Yep. Yeah. I was just wondering if I can invest in other stuff instead of shares like gold. Yeah. Yeah. I prefer that because I just wanna try and get some gold in there because the way gold is going at the moment, it's sort of fluctuating. That's going up for quite a bit. My friend told my friend told me four years ago to sell everything and buy gold, and I didn't listen to him. I should've done. Yeah. No. Yep. Yep. Alright. That sounds good. That sounds good. Yep. Yep. Just I'm just trying to yeah. I'm just trying to grab it as quick as I can. No. Everything's pretty good. All of a sudden. That's basically it. Alright. Sounds good. No. That's all pretty good. Alright. Thank you. Thanks. Bye. 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Rob speaking. Yeah. Not sure. Yeah.\n\nHow long will it take? Alrighty. Yeah. Yeah. Yeah.\n\nNo. No. It should be fine then. Yeah. It is fine.\n\nBuckingham. Yep. But my contributions that I'm doing at the moment, my accountant says they're gonna they're meant to be going for a different way because they're meant to be tax deductible. And the way I'm doing at the moment, they're not or something. Yes.\n\nI'd not on and off. Yes. Yes and no. So so what I basically do, I just pay a $120 a a week into my super. Yeah.\n\nLet's set up as a PTY Limited. Yes. It's coming straight from my my business account. It's not coming from me. It's coming from my business account.\n\nSo my business is paying that. My business is paying that, not me. Yeah. The taxes are paid later on in every quarter. Yep.\n\nMy account says I should be able to claim it for the last this last year and the year before. Yes. I have. Yeah. They said I can back I can do a backwards claim up to two years.\n\nYep. Yep. Yep. Yeah. I was just wondering if I can invest in other stuff instead of shares like gold.\n\nYeah. Yeah. I prefer that because I just wanna try and get some gold in there because the way gold is going at the moment, it's sort of fluctuating. That's going up for quite a bit. My friend told my friend told me four years ago to sell everything and buy gold, and I didn't listen to him.\n\nI should've done. Yeah. No. Yep. Yep.\n\nAlright. That sounds good. That sounds good. Yep. Yep.\n\nJust I'm just trying to yeah. I'm just trying to grab it as quick as I can. No. Everything's pretty good. All of a sudden.\n\nThat's basically it. Alright. Sounds good. No. That's all pretty good.\n\nAlright. Thank you. Thanks. Bye. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.32,"end":0.48,"sentiment":"neutral","sentiment_score":0.04895801842212677},{"text":"Rob speaking.","start":0.48,"end":1.3,"sentiment":"neutral","sentiment_score":0.05612667836248875},{"text":"Yeah.","start":5.92,"end":6.08,"sentiment":"neutral","sentiment_score":0.07969854772090912},{"text":"Not sure.","start":6.08,"end":6.48,"sentiment":"neutral","sentiment_score":0.01360380183905363},{"text":"Yeah.","start":6.48,"end":6.98,"sentiment":"neutral","sentiment_score":0.2853967845439911}],"sentiment":"neutral","sentiment_score":0.07907347301287311,"num_words":7,"start":0.32,"end":6.98},{"sentences":[{"text":"How long will it take?","start":14.24,"end":15.285,"sentiment":"neutral","sentiment_score":0.03268363066017628},{"text":"Alrighty.","start":29.73,"end":30.13,"sentiment":"neutral","sentiment_score":0.10433246195316316},{"text":"Yeah.","start":30.13,"end":30.449999,"sentiment":"neutral","sentiment_score":0.07870601862668991},{"text":"Yeah.","start":30.449999,"end":30.61,"sentiment":"neutral","sentiment_score":0.07587873935699463},{"text":"Yeah.","start":30.61,"end":30.77,"sentiment":"neutral","sentiment_score":0.05012845620512962}],"sentiment":"neutral","sentiment_score":0.052495981049206525,"num_words":9,"start":14.24,"end":30.77},{"sentences":[{"text":"No.","start":30.77,"end":30.85,"sentiment":"neutral","sentiment_score":-0.054076187312603},{"text":"No.","start":30.85,"end":31.01,"sentiment":"neutral","sentiment_score":-0.07505592703819275},{"text":"It should be fine then.","start":31.01,"end":32.39,"sentiment":"neutral","sentiment_score":0.048484355211257935},{"text":"Yeah.","start":45.015,"end":45.255,"sentiment":"neutral","sentiment_score":0.14581739902496338},{"text":"It is fine.","start":45.255,"end":46.155,"sentiment":"neutral","sentiment_score":0.2089207023382187}],"sentiment":"neutral","sentiment_score":0.08053356070410121,"num_words":11,"start":30.77,"end":46.155},{"sentences":[{"text":"Buckingham.","start":52.695,"end":53.195,"sentiment":"neutral","sentiment_score":0.06368587911128998},{"text":"Yep.","start":67.71,"end":68.21,"sentiment":"neutral","sentiment_score":0.0167207233607769},{"text":"But my contributions that I'm doing at the moment, my accountant says they're gonna they're meant to be going for a different way because they're meant to be tax deductible.","start":68.685,"end":82.145,"sentiment":"neutral","sentiment_score":-0.08253626649578412},{"text":"And the way I'm doing at the moment, they're not or something.","start":84.78,"end":87.2,"sentiment":"neutral","sentiment_score":-0.11935815153022607},{"text":"Yes.","start":93.66,"end":94.16,"sentiment":"neutral","sentiment_score":0.052386216819286346}],"sentiment":"neutral","sentiment_score":-0.08390206653210852,"num_words":45,"start":52.695,"end":94.16},{"sentences":[{"text":"I'd not on and off.","start":98.625,"end":100.704994,"sentiment":"neutral","sentiment_score":-0.031379840523004535},{"text":"Yes.","start":100.704994,"end":101.185,"sentiment":"neutral","sentiment_score":0.03804619237780571},{"text":"Yes and no.","start":101.185,"end":102.085,"sentiment":"neutral","sentiment_score":0.034040387719869614},{"text":"So so what I basically do, I just pay a $120 a a week into my super.","start":103.505,"end":108.405,"sentiment":"neutral","sentiment_score":0.08065817877650261},{"text":"Yeah.","start":114.520004,"end":114.920006,"sentiment":"neutral","sentiment_score":0.042400065809488297}],"sentiment":"neutral","sentiment_score":0.051735453997497204,"num_words":27,"start":98.625,"end":114.920006},{"sentences":[{"text":"Let's set up as a PTY Limited.","start":114.920006,"end":116.86,"sentiment":"neutral","sentiment_score":0.041299148329666684},{"text":"Yes.","start":139.115,"end":139.615,"sentiment":"neutral","sentiment_score":0.13742247223854065},{"text":"It's coming straight from my my business account.","start":146.77,"end":148.85,"sentiment":"neutral","sentiment_score":0.06955483742058277},{"text":"It's not coming from me.","start":148.85,"end":149.81001,"sentiment":"neutral","sentiment_score":-0.05256530218757689},{"text":"It's coming from my business 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should be able to claim it for the last this last year and the year before.","start":178.92,"end":183.34,"sentiment":"neutral","sentiment_score":0.21575049236416816},{"text":"Yes.","start":190.55501,"end":190.795,"sentiment":"neutral","sentiment_score":0.10605492442846298},{"text":"I have.","start":190.795,"end":191.535,"sentiment":"neutral","sentiment_score":0.1069706417620182},{"text":"Yeah.","start":197.355,"end":197.595,"sentiment":"neutral","sentiment_score":0.08225981891155243},{"text":"They said I can back I can do a backwards claim up to two 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gold.","start":235.03,"end":239.21,"sentiment":"neutral","sentiment_score":0.00023850880097597837}],"sentiment":"neutral","sentiment_score":0.03596034394577145,"num_words":20,"start":207.46,"end":239.21},{"sentences":[{"text":"Yeah.","start":264.46,"end":264.96,"sentiment":"neutral","sentiment_score":0.3271774649620056},{"text":"Yeah.","start":266.46,"end":266.7,"sentiment":"neutral","sentiment_score":0.11491820216178894},{"text":"I prefer that because I just wanna try and get some gold in there because the way gold is going at the moment, it's sort of fluctuating.","start":266.7,"end":273.375,"sentiment":"neutral","sentiment_score":0.03130281509624587},{"text":"That's going up for quite a bit.","start":273.995,"end":275.775,"sentiment":"neutral","sentiment_score":-0.05106687545776367},{"text":"My friend told my friend told me four years ago to sell everything and buy gold, and I didn't listen to him.","start":276.395,"end":280.715,"sentiment":"neutral","sentiment_score":-0.0941502284258604}],"sentiment":"neutral","sentiment_score":-0.019681059980186922,"num_words":58,"start":264.46,"end":280.715},{"sentences":[{"text":"I should've done.","start":280.715,"end":281.695,"sentiment":"neutral","sentiment_score":-0.09130894516905148},{"text":"Yeah.","start":290.53,"end":291.03,"sentiment":"neutral","sentiment_score":0.019255759194493297},{"text":"No.","start":295.88998,"end":296.38998,"sentiment":"neutral","sentiment_score":-0.07617966830730438},{"text":"Yep.","start":306.765,"end":307.265,"sentiment":"neutral","sentiment_score":0.08716603368520737},{"text":"Yep.","start":312.045,"end":312.3,"sentiment":"neutral","sentiment_score":0.05308862030506134}],"sentiment":"neutral","sentiment_score":-0.02722801294709955,"num_words":7,"start":280.715,"end":312.3},{"sentences":[{"text":"Alright.","start":319.25998,"end":319.58,"sentiment":"positive","sentiment_score":0.33510538935661316},{"text":"That sounds good.","start":319.58,"end":320.53998,"sentiment":"positive","sentiment_score":0.6042692263921102},{"text":"That sounds good.","start":320.53998,"end":321.34,"sentiment":"positive","sentiment_score":0.4711206257343292},{"text":"Yep.","start":321.34,"end":321.84,"sentiment":"positive","sentiment_score":0.3926490247249603},{"text":"Yep.","start":327.81998,"end":328.275,"sentiment":"neutral","sentiment_score":0.19755783677101135}],"sentiment":"positive","sentiment_score":0.46127575635910034,"num_words":9,"start":319.25998,"end":328.275},{"sentences":[{"text":"Just I'm just trying to yeah.","start":339.475,"end":340.91498,"sentiment":"neutral","sentiment_score":0.04283492499962449},{"text":"I'm just trying to grab it as quick as I can.","start":340.91498,"end":342.87,"sentiment":"neutral","sentiment_score":0.1243652112104676},{"text":"No.","start":351.27,"end":351.43,"sentiment":"neutral","sentiment_score":-0.06389248371124268},{"text":"Everything's pretty good.","start":351.43,"end":352.47,"sentiment":"neutral","sentiment_score":0.205458069841067},{"text":"All of a sudden.","start":352.47,"end":353.54,"sentiment":"neutral","sentiment_score":0.03744374727830291}],"sentiment":"neutral","sentiment_score":0.09309134352952242,"num_words":25,"start":339.475,"end":353.54},{"sentences":[{"text":"That's basically it.","start":360.475,"end":361.695,"sentiment":"neutral","sentiment_score":0.10109364241361618},{"text":"Alright.","start":371.73,"end":372.21002,"sentiment":"neutral","sentiment_score":0.21977567672729492},{"text":"Sounds good.","start":372.21002,"end":373.91,"sentiment":"positive","sentiment_score":0.35717469453811646},{"text":"No.","start":381.01,"end":381.17,"sentiment":"neutral","sentiment_score":-0.09060636907815932},{"text":"That's all pretty good.","start":381.17,"end":382.39,"sentiment":"positive","sentiment_score":0.33513276278972626}],"sentiment":"neutral","sentiment_score":0.2261209704659202,"num_words":11,"start":360.475,"end":382.39},{"sentences":[{"text":"Alright.","start":389.75293,"end":389.99295,"sentiment":"positive","sentiment_score":0.517387330532074},{"text":"Thank you.","start":389.99295,"end":390.47293,"sentiment":"positive","sentiment_score":0.7578526735305786},{"text":"Thanks.","start":390.47293,"end":390.79294,"sentiment":"positive","sentiment_score":0.6328408122062683},{"text":"Bye.","start":390.79294,"end":391.29294,"sentiment":"neutral","sentiment_score":0.2134924829006195},{"text":"Bye.","start":391.91293,"end":392.41293,"sentiment":"neutral","sentiment_score":-0.12439296394586564}],"sentiment":"positive","sentiment_score":0.4591721681257089,"num_words":6,"start":389.75293,"end":392.41293}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Rob speaking.\n\nChannel 0: Good morning, Rob. This is Veronica from OQ Financial. How are you this morning?\n\nChannel 1: Yeah. Not sure. Yeah.\n\nChannel 0: That's good. I had you booked in for a bit of a catch up. Is now still a good time\n\nChannel 1: How long will it\n\nChannel 0: you?\n\nChannel 1: take?\n\nChannel 0: It depends how much you do wanna run through. It can take maybe up to half an hour or just ten, fifteen depending on how many questions you had asked you under review with my colleagues.\n\nChannel 1: Alrighty. Yeah. Yeah. Yeah. No.\n\nNo. It should be fine then.\n\nChannel 0: Yeah. We'll we'll try to make it quick for you if you're in a bit of a rush. Now just before I do go any further, I just need to you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Yeah. It is fine.\n\nChannel 0: Yeah. Perfect. And just to confirm I am speaking with the right person, I do have a password on file. Do you know what that\n\nChannel 1: Buckingham.\n\nChannel 0: might be? Yeah. Perfect. That's exactly what I have here. Now like I said, I know you had your annual review with my colleague, Michelle, a little while ago.\n\nAnd following the annual review, you had a couple of questions in regards to your contributions. Is that right?\n\nChannel 1: Yep. But\n\nChannel 0: Yeah. Now what is it, I guess, that I can help you with when it comes to your contribution?\n\nChannel 1: my contributions that I'm doing at the moment, my accountant says they're gonna they're meant to be going for a different way because they're meant to be tax deductible.\n\nChannel 0: Mhmm. Mhmm.\n\nChannel 1: And the way I'm doing at the moment, they're not or something.\n\nChannel 0: Okay. Now because you're a sole trader. Correct?\n\nChannel 1: Yes.\n\nChannel 0: Yes. Perfect. And do you pay yourself a\n\nChannel 1: I'd not on and off. Yes. Yes and no. So so what I basically do, I just pay a $120 a a week into my super.\n\nChannel 0: the company struck, is it set up as a sole trader?\n\nChannel 1: Yeah. Let's set up as a PTY Limited.\n\nChannel 0: Or yeah. Okay. Perfect. Because, yeah, there are different ways you can contribute depending on how the business is set up. So if it is that you are a sole trader, you're not required to obviously pay contributions, like, if you are, like, employed and stuff, and you can do exactly like you said, just through random amounts, however however you do it.\n\nChannel 1: Yes.\n\nChannel 0: Now because it's from your after after tax income, so from your bank account the way it is right now, bank account the way it is right now.\n\nChannel 1: It's coming straight from my my business account. It's not coming from me. It's coming from my business account.\n\nChannel 0: Yeah.\n\nChannel 1: So my business\n\nChannel 0: After\n\nChannel 1: is paying that. My business is paying that, not me.\n\nChannel 0: yep. Perfect. And after after tax has been paid from the\n\nChannel 1: Yeah. The taxes are paid later on in every quarter.\n\nChannel 0: business? Yes. So because it's done, that way you can claim a notice of intent for superannuation for you before the end of each\n\nChannel 1: Yep.\n\nChannel 0: financial year, which we can assist you with to do that.\n\nChannel 1: My\n\nChannel 0: So\n\nChannel 1: account\n\nChannel 0: do you want\n\nChannel 1: says\n\nChannel 0: us\n\nChannel 1: I should be able to claim it for the last this last year and the year before.\n\nChannel 0: have you already done your tax return for last financial year?\n\nChannel 1: Yes. I have.\n\nChannel 0: Yes. So, typically, you would do it before you lodge your tax return for the year, but you\n\nChannel 1: Yeah.\n\nChannel 0: can\n\nChannel 1: They\n\nChannel 0: make\n\nChannel 1: said I\n\nChannel 0: very\n\nChannel 1: can back I can do a backwards claim up to two years.\n\nChannel 0: yes. That is correct. You can make variations to that. So if it is something you want us to assist you with, I can get the team to\n\nChannel 1: Yep.\n\nChannel 0: send you the forms, and we\n\nChannel 1: Yep.\n\nChannel 0: can definitely assist you with with doing that. Because, yes, that is correct. Especially the you are contributing, we can definitely do that because it's obviously cheaper inside super. So, yeah, definitely wanting to do that. So I'll get the team to email that to you.\n\nWe\n\nChannel 1: Yep.\n\nChannel 0: can definitely backtrack that. Now aside from that as well, I do have here that you wanted to talk about potentially making some changes to your portfolio.\n\nChannel 1: Yeah. I was just wondering if I can invest in\n\nChannel 0: Mhmm.\n\nChannel 1: other stuff instead of shares like gold.\n\nChannel 0: Yes. You definitely can. Now there are, I guess, two ways we can do it. So if you have a specific request of how much you want specifically, which investments you would like to change, we can just authorize that on on your behalf. But if you would like me to do some research on your portfolio and see which ones would be good to swap out and include gold instead, I'd\n\nChannel 1: Yeah.\n\nChannel 0: be more than happy to do that for you.\n\nChannel 1: Yeah. I prefer that because I just wanna try and get some gold\n\nChannel 0: Yeah.\n\nChannel 1: in there because the way gold is going at the moment, it's sort\n\nChannel 0: It's\n\nChannel 1: of fluctuating.\n\nChannel 0: gone up.\n\nChannel 1: That's going\n\nChannel 0: Yeah.\n\nChannel 1: up for quite a bit.\n\nChannel 0: Yes.\n\nChannel 1: My friend\n\nChannel 0: Now\n\nChannel 1: told my friend told me four years ago to sell everything and buy gold, and I didn't listen to him. I should've done.\n\nChannel 0: now I do wanna let you know that by doing it because typically at the moment, we have you invested in aggressive portfolio, which\n\nChannel 1: Yeah.\n\nChannel 0: typically see about a 100% invested in your your equity and stuff. So by\n\nChannel 1: No.\n\nChannel 0: introducing gold, it will change that asset allocation a little bit. So I can look at bringing it down step to still obviously focusing on maximizing growth for you. But\n\nChannel 1: Yep.\n\nChannel 0: if we focus on a high growth portfolio, we have about 90% in your growth\n\nChannel 1: Yep.\n\nChannel 0: assets and then about 10% of the and in that, I can incorporate gold for you.\n\nChannel 1: Alright. That sounds good.\n\nChannel 0: Yeah?\n\nChannel 1: That sounds\n\nChannel 0: Okay.\n\nChannel 1: good. Yep.\n\nChannel 0: Perfect. Now I will go and do that research for you. Now it might take a couple of weeks to get everything together. I'll try to do it\n\nChannel 1: Yep.\n\nChannel 0: as quickly as I can for you. Is there anything else that's important to you in regards to your superannuation while I am making those research, or is it mainly just trying to go as much as possible and add\n\nChannel 1: Just\n\nChannel 0: gold to the\n\nChannel 1: I'm\n\nChannel 0: portfolio?\n\nChannel 1: just trying to yeah. I'm just trying to grab it as quick as I can.\n\nChannel 0: Yep. Great. Perfect. Now has there been any other changes or anything else from when you spoke to my colleague, Michelle, otherwise, or everything's\n\nChannel 1: No.\n\nChannel 0: all\n\nChannel 1: Everything's\n\nChannel 0: the same?\n\nChannel 1: pretty good. All of\n\nChannel 0: Yep.\n\nChannel 1: a sudden.\n\nChannel 0: Okay. Perfect. Anything else you would like me to research for you or not? That's basically it.\n\nChannel 1: That's basically it.\n\nChannel 0: Yep. Alright. Perfect. Now I will go and do this research for you, Rob. As soon as I have it ready, I'll give you a call, run through the recommendation, and then you can let me know what you would like to do.\n\nChannel 1: Alright. Sounds\n\nChannel 0: I'll get the team\n\nChannel 1: good.\n\nChannel 0: to email email you to make the notice of intent for you. But do you have any other questions or anything else for me otherwise?\n\nChannel 1: No. That's all pretty good.\n\nChannel 0: No? Alright. Perfect. Well, that was nice and easy. I hope you enjoy the rest of your day, and I look forward to speaking with you soon again.\n\nChannel 1: Alright. Thank you. Thanks.\n\nChannel 0: Mhmm.\n\nChannel 1: Bye.\n\nChannel 0: Thanks. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.32,"end":0.48,"sentiment":"neutral","sentiment_score":0.04895801842212677},{"text":"Rob speaking.","start":0.48,"end":1.3,"sentiment":"neutral","sentiment_score":0.05612667836248875}],"sentiment":"neutral","sentiment_score":0.05373712504903475,"channel":1,"num_words":3,"start":0.32,"end":1.3},{"sentences":[{"text":"Good morning, Rob.","start":1.8399999,"end":2.6399999,"sentiment":"positive","sentiment_score":0.4374442398548126},{"text":"This is Veronica from OQ Financial.","start":2.6399999,"end":4.48,"sentiment":"positive","sentiment_score":0.35624933739503223},{"text":"How are you this morning?","start":4.48,"end":5.62,"sentiment":"neutral","sentiment_score":0.3139447033405304}],"sentiment":"positive","sentiment_score":0.3585394471883774,"channel":0,"num_words":14,"start":1.8399999,"end":5.62},{"sentences":[{"text":"Yeah.","start":5.92,"end":6.08,"sentiment":"neutral","sentiment_score":0.07969854772090912},{"text":"Not sure.","start":6.08,"end":6.48,"sentiment":"neutral","sentiment_score":0.01360380183905363},{"text":"Yeah.","start":6.48,"end":6.98,"sentiment":"neutral","sentiment_score":0.2853967845439911}],"sentiment":"neutral","sentiment_score":0.09807573398575187,"channel":1,"num_words":4,"start":5.92,"end":6.98},{"sentences":[{"text":"That's good.","start":7.44,"end":8.34,"sentiment":"positive","sentiment_score":0.6102831363677979},{"text":"I had you booked in for a bit of a catch up.","start":8.96,"end":11.04,"sentiment":"neutral","sentiment_score":0.3122141969700654},{"text":"Is now still a good 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through.","start":16.895,"end":20.355,"sentiment":"neutral","sentiment_score":0.011623072334461741},{"text":"It can take maybe up to half an hour or just ten, fifteen depending on how many questions you had asked you under review with my 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representative from OQ Financial called a customer named Rob to follow up on his annual review and to discuss his contributions. The representative also offered to help Rob with his tax deduction and to look into investing in gold instead of silver. The representative also discussed potential changes to Rob's portfolio and promised to follow up with him."},"intents":{"segments":[{"text":"No. It should be fine then. Yeah.","start_word":88,"end_word":94,"intents":[{"intent":"Express agreement","confidence_score":0.00047291658}]},{"text":"Now just before I do go any further, I just need to you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yeah.","start_word":112,"end_word":140,"intents":[{"intent":"Clarify purpose of call","confidence_score":0.0016937586}]},{"text":"And just to confirm I am speaking with the right person, I do have a password on file. Do you know what that Buckingham. might be? Yeah. Perfect.","start_word":146,"end_word":173,"intents":[{"intent":"Confirm identity","confidence_score":0.09224088},{"intent":"Confirm understanding","confidence_score":0.08549464}]},{"text":"The taxes are paid later on in every quarter. business? Yes.","start_word":482,"end_word":492,"intents":[{"intent":"Inquire about tax deductions","confidence_score":0.0015129134}]},{"text":"Now aside from that as well, I do have here that you wanted to talk about potentially making some changes to your portfolio. Yeah.","start_word":691,"end_word":714,"intents":[{"intent":"Assist with portfolio changes","confidence_score":0.077609725}]},{"text":"I was just wondering if I can invest in Mhmm. other stuff instead of shares like gold. Yes.","start_word":715,"end_word":732,"intents":[{"intent":"Include gold in investments","confidence_score":0.00074608275}]},{"text":"But if you would like me to do some research on your portfolio and see which ones would be good to swap out and include gold instead, I'd Yeah.","start_word":776,"end_word":804,"intents":[{"intent":"Research portfolio","confidence_score":0.029821077}]},{"text":"Is there anything else that's important to you in regards to your superannuation while I am making those research, or is it mainly just trying to go as much as possible and add Just gold to the I'm portfolio?","start_word":1030,"end_word":1068,"intents":[{"intent":"Research gold in portfolio","confidence_score":0.00023202751}]}]},"sentiments":{"segments":[{"text":"Hello. Rob speaking.","start_word":0,"end_word":2,"sentiment":"neutral","sentiment_score":0.05437294393777847},{"text":"Good morning, Rob. This is Veronica from OQ Financial.","start_word":3,"end_word":11,"sentiment":"positive","sentiment_score":0.380447119474411},{"text":"How are you this morning? Yeah. Not sure. Yeah.","start_word":12,"end_word":20,"sentiment":"neutral","sentiment_score":0.20323225855827332},{"text":"That's good.","start_word":21,"end_word":22,"sentiment":"positive","sentiment_score":0.6125712990760803},{"text":"I had you booked in for a bit of a catch up. Is now still a good time How long will it you? take? It depends how much you do wanna run through. It can take maybe up to half an hour or just ten, fifteen depending on how many questions you had asked you under review with my colleagues. Alrighty. Yeah. Yeah. Yeah. No. No. It should be fine then. Yeah. We'll we'll try to make it quick for you if you're in a bit of a rush. Now just before I do go any further, I just need to you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yeah. It is fine. Yeah.","start_word":23,"end_word":144,"sentiment":"neutral","sentiment_score":0.08959005773067474},{"text":"Perfect.","start_word":145,"end_word":145,"sentiment":"positive","sentiment_score":0.4560573697090149},{"text":"And just to confirm I am speaking with the right person, I do have a password on file. Do you know what that Buckingham. might be? Yeah.","start_word":146,"end_word":172,"sentiment":"neutral","sentiment_score":0.12197564542293549},{"text":"Perfect. That's exactly what I have here.","start_word":173,"end_word":179,"sentiment":"positive","sentiment_score":0.3917332589626312},{"text":"Now like I said, I know you had your annual review with my colleague, Michelle, a little while ago. And following the annual review, you had a couple of questions in regards to your contributions. Is that right? Yep. But Yeah. Now what is it, I guess, that I can help you with when it comes to your contribution? my contributions that I'm doing at the moment, my accountant says they're gonna they're meant to be going for a different way because they're meant to be tax deductible. Mhmm. Mhmm. And the way I'm doing at the moment, they're not or something. Okay. Now because you're a sole trader. Correct? Yes. Yes. Perfect. And do you pay yourself a I'd not on and off. Yes. Yes and no. So so what I basically do, I just pay a $120 a a week into my super. the company struck, is it set up as a sole trader? Yeah. Let's set up as a PTY Limited. Or yeah. Okay.","start_word":180,"end_word":346,"sentiment":"neutral","sentiment_score":0.008069310839215438},{"text":"Perfect.","start_word":347,"end_word":347,"sentiment":"positive","sentiment_score":0.681098997592926},{"text":"Because, yeah, there are different ways you can contribute depending on how the business is set up. So if it is that you are a sole trader, you're not required to obviously pay contributions, like, if you are, like, employed and stuff, and you can do exactly like you said, just through random amounts, however however you do it. Yes. Now because it's from your after after tax income, so from your bank account the way it is right now, bank account the way it is right now. It's coming straight from my my business account. It's not coming from me. It's coming from my business account. Yeah. So my business After is paying that. My business is paying that, not me. yep.","start_word":348,"end_word":470,"sentiment":"neutral","sentiment_score":0.1320260912179947},{"text":"Perfect.","start_word":471,"end_word":471,"sentiment":"positive","sentiment_score":0.3856516480445862},{"text":"And after after tax has been paid from the Yeah. The taxes are paid later on in every quarter. business? Yes. So because it's done, that way you can claim a notice of intent for superannuation for you before the end of each Yep.","start_word":472,"end_word":515,"sentiment":"neutral","sentiment_score":0.1723569631576538},{"text":"financial year, which we can assist you with to do that.","start_word":516,"end_word":526,"sentiment":"positive","sentiment_score":0.35156238079071045},{"text":"My So account do you want says us I should be able to claim it for the last this last year and the year before. have you already done your tax return for last financial year? Yes. I have. Yes. So, typically, you would do it before you lodge your tax return for the year, but you Yeah. can They make said very I can back I can do a backwards claim up to two years. yes. That is correct. You can make variations to that. So if it is something you want us to assist you with, I can get the team to Yep. send you the forms, and we Yep.","start_word":527,"end_word":638,"sentiment":"neutral","sentiment_score":0.14232144651136228},{"text":"can definitely assist you with with doing that. Because, yes, that is correct. Especially the you are contributing, we can definitely do that because it's obviously cheaper inside super. So, yeah, definitely wanting to do that.","start_word":639,"end_word":674,"sentiment":"positive","sentiment_score":0.6165429949760437},{"text":"So I'll get the team to email that to you. We Yep. can definitely backtrack that. Now aside from that as well, I do have here that you wanted to talk about potentially making some changes to your portfolio. Yeah. I was just wondering if I can invest in Mhmm. other stuff instead of shares like gold. Yes.","start_word":675,"end_word":732,"sentiment":"neutral","sentiment_score":0.09600109606981276},{"text":"You definitely can.","start_word":733,"end_word":735,"sentiment":"positive","sentiment_score":0.3368145823478699},{"text":"Now there are, I guess, two ways we can do it. So if you have a specific request of how much you want specifically, which investments you would like to change, we can just authorize that on on your behalf. But if you would like me to do some research on your portfolio and see which ones would be good to swap out and include gold instead, I'd Yeah.","start_word":736,"end_word":804,"sentiment":"neutral","sentiment_score":0.11201023310422896},{"text":"be more than happy to do that for you.","start_word":805,"end_word":813,"sentiment":"positive","sentiment_score":0.4498301446437836},{"text":"Yeah. I prefer that because I just wanna try and get some gold Yeah. in there because the way gold is going at the moment, it's sort It's of fluctuating. gone up. That's going Yeah. up for quite a bit. Yes. My friend Now told my friend told me four years ago to sell everything and buy gold, and I didn't listen to him. I should've done. now I do wanna let you know that by doing it because typically at the moment, we have you invested in aggressive portfolio, which Yeah. typically see about a 100% invested in your your equity and stuff. So by No. introducing gold, it will change that asset allocation a little bit. So I can look at bringing it down step to still obviously focusing on maximizing growth for you. But Yep. if we focus on a high growth portfolio, we have about 90% in your growth Yep. assets and then about 10% of the and in that, I can incorporate gold for you.","start_word":814,"end_word":983,"sentiment":"neutral","sentiment_score":0.022472854637924363},{"text":"Alright. That sounds good.","start_word":984,"end_word":987,"sentiment":"positive","sentiment_score":0.4847739338874817},{"text":"Yeah?","start_word":988,"end_word":988,"sentiment":"neutral","sentiment_score":0.2935470640659332},{"text":"That sounds Okay. good. Yep. Perfect.","start_word":989,"end_word":994,"sentiment":"positive","sentiment_score":0.5038131475448608},{"text":"Now I will go and do that research for you. Now it might take a couple of weeks to get everything together. I'll try to do it Yep. as quickly as I can for you. Is there anything else that's important to you in regards to your superannuation while I am making those research, or is it mainly just trying to go as much as possible and add Just gold to the I'm portfolio? just trying to yeah. I'm just trying to grab it as quick as I can. Yep.","start_word":995,"end_word":1084,"sentiment":"neutral","sentiment_score":0.1377313882112503},{"text":"Great. Perfect.","start_word":1085,"end_word":1086,"sentiment":"positive","sentiment_score":0.6153814792633057},{"text":"Now has there been any other changes or anything else from when you spoke to my colleague, Michelle, otherwise, or everything's No. all Everything's the same? pretty good. All of Yep. a sudden. Okay. Perfect. Anything else you would like me to research for you or not? That's basically it. That's basically it. Yep. Alright.","start_word":1087,"end_word":1141,"sentiment":"neutral","sentiment_score":0.07099197804927826},{"text":"Perfect.","start_word":1142,"end_word":1142,"sentiment":"positive","sentiment_score":0.48487603664398193},{"text":"Now I will go and do this research for you, Rob. As soon as I have it ready, I'll give you a call, run through the recommendation, and then you can let me know what you would like to do. Alright.","start_word":1143,"end_word":1183,"sentiment":"neutral","sentiment_score":0.23827487230300903},{"text":"Sounds I'll get the team good.","start_word":1184,"end_word":1189,"sentiment":"positive","sentiment_score":0.3796972334384918},{"text":"to email email you to make the notice of intent for you. But do you have any other questions or anything else for me otherwise? No. That's all pretty good. No? Alright.","start_word":1190,"end_word":1221,"sentiment":"neutral","sentiment_score":0.1727869063615799},{"text":"Perfect. Well, that was nice and easy. I hope you enjoy the rest of your day, and I look forward to speaking with you soon again. Alright. Thank you. Thanks.","start_word":1222,"end_word":1251,"sentiment":"positive","sentiment_score":0.7212645093599955},{"text":"Mhmm. Bye.","start_word":1252,"end_word":1253,"sentiment":"neutral","sentiment_score":0.20584769546985623},{"text":"Thanks.","start_word":1254,"end_word":1254,"sentiment":"positive","sentiment_score":0.5025498867034912},{"text":"Bye. Bye.","start_word":1255,"end_word":1256,"sentiment":"neutral","sentiment_score":0.25978344678878784}],"average":{"sentiment":"neutral","sentiment_score":0.14323899185289396}}}}