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Perfect. Did you say she got the email back at all or anything like that? Yeah. Cool. Alright. Yeah. Yeah. That's okay. No problem at all. I'll send that through. Thank you. Oh, hi, Katina. How are you? No. You're fine. No. Absolutely. I completely understand. I'm so sorry. Thank you so much for your email, and I sent you the reply back. Did you happen to have a bit of a read about it all? Yeah. Absolutely. Yeah. Yeah. Yeah. Yeah. Absolutely. No. No. Definitely not. Because, I mean, it's all gonna go through the payroll anyway, and that'll need to do up, like, a statement, provide all the information to the ACO for, like, end of financial year anyway. So it's absolutely feasible to get that information from them. Yeah. And they, look, they should be able to find a way to do it or at least tell him when he can get that access to that information. Yeah. Yeah. Yeah. Okay. Yeah. Makes sense. Yeah. Yeah. Absolutely. Yeah. Yeah. Yes. Yeah. Yeah. Absolutely. It it can do. So there are some additional areas that we can look at to sort of provide. So he can just make, like, non concessional contributions to your super, which boosts your super. That's essentially not giving him any kind of tax deduction in any way. It's just putting, like, a large lump sum into your super that gets invested in your super fund, a 100% invested, and provides growth to you. There is other ways, like, depending on your income, there are other, like, spousal contributions that can be made where it can provide him with a small tax deduction, but it does look like I think last year, I had a really good look at that. You were over the threshold to do that. But yeah. Yeah. Yeah. But now look, honestly, there are other ways to to utilize the money to put it into super that they don't really give you the same sort of tax advantage, but putting it into your super is a good thing as a nonconcessional contribution because while there's no tax deduction there, the current nonconcessional cap for the year is a 110 oh, sorry. A 120,000, or we can utilize this year's nonconcessional rule and the next two years, and we can put up to 360,000 into your super. And that money going in there gives you more super, is invested in your portfolio, and that compounds higher. So more money makes more money. So there are definitely ways to do that to boost your super and definitely things that we can do. My main sort of concern with putting it into super is because, like, Paul's only 56. So when we put that money into super, you can't take it back out again until you reach 60 or meet a reservation condition of release. So I just wanna make sure I'm not gonna leave you guys short. Yeah. Yeah. Yep. Perfect. Absolutely. Yep. He can't do it concessionally. So with the rule, it's called a carry forward rule, and he can utilize what left cap space. So, realistically, if this money doesn't come through until next financial year and Paul doesn't work for a period of time, we could actually put some money in and try to use up some of that year's cap. But we can't use any okay. Because so what what we can't utilize for him is the carry forward, which is essentially the last five years worth of confessional contributions. So what we tend to do to try and provide a greater tax deduction scenario is we can do what's called a deductible contribution where we can put money into super, but go past that $30,000 cap and utilize cap based on the previous five years. But to do that, as of thirtieth of June last year, his balance had to be under 500,000, and his balance wasn't then. So that yeah. So that unfortunately reduces that eligibility, which is the same, but there's nothing to say we can't do that for you. Yeah. Sure. Yep. Yes. Yes. If he dumped it all in and made it concessional, he would have to pay tax at the highest marginal tax rate with a 15% offset for the tax that's already been deducted. So they look at the 40 40 7%. Yeah. Yeah. Yeah. Yeah. Yep. The the carry forward rule. So with yours, just some your balance is a lot lower. You're under that $500,000 mark at the moment, aren't you? Yeah. So with yours, it wouldn't give him yeah. So putting it in your suit and you utilizing the carry forward rule actually doesn't give him any tax benefit. It does give you a tax benefit, though. So we would be able to utilize put more money into your super. The amount you put in is taken as a tax deduction and has helped to lower your overall tax, like, your taxable income, but it would give you that benefit. Yep. Well, the money inside super whenever money's put inside super, there's always tax on that. It's 15% tax inside the super system. But if we put the money into your super fund and utilize the carry forward rule from the previous years, you don't it doesn't really make more tax for you. It actually gives you a tax deduction. So as an example, if you were to put 20,000 into your super, so long as your balance was under 500,000 as of June last year, that we claim a notice of intent against that. Inside super, your super fund takes 15% tax out of that 20,000. That essentially leaves you with 17 sorry. 17 thousand invested. And that 20,000, you can then take that back to your accountant, and they add that to your as a deduction onto your tap returns. And it reduces your taxable it's your income. Yeah. Yeah. Yeah. That's okay. Sure. Yes. Yes. Yep. Yes. Yes. Yes. Yes. We can absolutely do that. We have lots of different investment structures that are not inside super, some which have to manage, some which are not so, some which are more long term investing, some are shorter term investing options. We can help you with the term deposits and whatever you want. So, yeah, look, if when and if you guys are ready, you know, how much you're expecting to have after it all, let me know. I'll have a really good chat with the both of you, look at your goals, look at how you want that invested, what you need to live on, what your circumstances look like, and we can generate a nice big advice document and sort of really look at what to do with that money. Yeah. Yeah. That's alright. Yeah. It's just Yes. Yeah. Yeah. Mhmm. Yeah. So, realistically, the contract date when the contract is signed and exchanged, that is when the CDP event is is goes into play. Yeah. Yeah. Yes. If you can hold up until the new financial year, that might work out more of a benefit. Yeah. Oh, that's no. That's okay. Not a problem at all. I always try to make time for you know, if you need something, please let me know. I'm always here. I will always try to help. I wanted to make as much of that email as as clear as possible, but it was just there was so many variables. I'm so sorry. Yeah. No. That's yeah. And that was the thing. It was all like, this is the quote. This could change. No. They're not really giving you a great deal of information, but yeah. Yeah. Yeah. Yeah. Yeah. So that could be higher. Yeah. Yeah. Yeah. No. That's okay. Yes. Absolutely. Absolutely. I'll even maybe get Samantha to try and book it in for you a bit earlier. We might just look at it in July. That way we can talk about where you're going and maybe incorporate any changes that are occurring then and see if we can do a really big advice document for the both of you and have a look at everything. Does that sound okay if we go kinda mid to late July? Yeah? Oh, that's okay. If you guys have any other questions or need anything, don't ever hesitate. Give me a call at any time. I will always make time to fit you in. Okay? That's okay. You too. And say hi to Paul. Have a great day. Thanks. Thanks, Kath. 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This is Dana. Yeah. No worries. Sorry.\n\nI just went into my dog. I just came back from the bathroom. I do apologize. Just gonna put my earphones in real quick. Can you hear me okay?\n\nPerfect. Did you say she got the email back at all or anything like that? Yeah. Cool. Alright.\n\nYeah. Yeah. That's okay. No problem at all. I'll send that through.\n\nThank you. Oh, hi, Katina. How are you? No. You're fine.\n\nNo. Absolutely. I completely understand. I'm so sorry. Thank you so much for your email, and I sent you the reply back.\n\nDid you happen to have a bit of a read about it all? Yeah. Absolutely. Yeah. Yeah.\n\nYeah. Yeah. Absolutely. No. No.\n\nDefinitely not. Because, I mean, it's all gonna go through the payroll anyway, and that'll need to do up, like, a statement, provide all the information to the ACO for, like, end of financial year anyway. So it's absolutely feasible to get that information from them. Yeah. And they, look, they should be able to find a way to do it or at least tell him when he can get that access to that information.\n\nYeah. Yeah. Yeah. Okay. Yeah.\n\nMakes sense. Yeah. Yeah. Absolutely. Yeah.\n\nYeah. Yes. Yeah. Yeah. Absolutely.\n\nIt it can do. So there are some additional areas that we can look at to sort of provide. So he can just make, like, non concessional contributions to your super, which boosts your super. That's essentially not giving him any kind of tax deduction in any way. It's just putting, like, a large lump sum into your super that gets invested in your super fund, a 100% invested, and provides growth to you.\n\nThere is other ways, like, depending on your income, there are other, like, spousal contributions that can be made where it can provide him with a small tax deduction, but it does look like I think last year, I had a really good look at that. You were over the threshold to do that. But yeah. Yeah. Yeah.\n\nBut now look, honestly, there are other ways to to utilize the money to put it into super that they don't really give you the same sort of tax advantage, but putting it into your super is a good thing as a nonconcessional contribution because while there's no tax deduction there, the current nonconcessional cap for the year is a 110 oh, sorry. A 120,000, or we can utilize this year's nonconcessional rule and the next two years, and we can put up to 360,000 into your super. And that money going in there gives you more super, is invested in your portfolio, and that compounds higher. So more money makes more money. So there are definitely ways to do that to boost your super and definitely things that we can do.\n\nMy main sort of concern with putting it into super is because, like, Paul's only 56. So when we put that money into super, you can't take it back out again until you reach 60 or meet a reservation condition of release. So I just wanna make sure I'm not gonna leave you guys short. Yeah. Yeah.\n\nYep. Perfect. Absolutely. Yep. He can't do it concessionally.\n\nSo with the rule, it's called a carry forward rule, and he can utilize what left cap space. So, realistically, if this money doesn't come through until next financial year and Paul doesn't work for a period of time, we could actually put some money in and try to use up some of that year's cap. But we can't use any okay. Because so what what we can't utilize for him is the carry forward, which is essentially the last five years worth of confessional contributions. So what we tend to do to try and provide a greater tax deduction scenario is we can do what's called a deductible contribution where we can put money into super, but go past that $30,000 cap and utilize cap based on the previous five years.\n\nBut to do that, as of thirtieth of June last year, his balance had to be under 500,000, and his balance wasn't then. So that yeah. So that unfortunately reduces that eligibility, which is the same, but there's nothing to say we can't do that for you. Yeah. Sure.\n\nYep. Yes. Yes. If he dumped it all in and made it concessional, he would have to pay tax at the highest marginal tax rate with a 15% offset for the tax that's already been deducted. So they look at the 40 40 7%.\n\nYeah. Yeah. Yeah. Yeah. Yep.\n\nThe the carry forward rule. So with yours, just some your balance is a lot lower. You're under that $500,000 mark at the moment, aren't you? Yeah. So with yours, it wouldn't give him yeah.\n\nSo putting it in your suit and you utilizing the carry forward rule actually doesn't give him any tax benefit. It does give you a tax benefit, though. So we would be able to utilize put more money into your super. The amount you put in is taken as a tax deduction and has helped to lower your overall tax, like, your taxable income, but it would give you that benefit. Yep.\n\nWell, the money inside super whenever money's put inside super, there's always tax on that. It's 15% tax inside the super system. But if we put the money into your super fund and utilize the carry forward rule from the previous years, you don't it doesn't really make more tax for you. It actually gives you a tax deduction. So as an example, if you were to put 20,000 into your super, so long as your balance was under 500,000 as of June last year, that we claim a notice of intent against that.\n\nInside super, your super fund takes 15% tax out of that 20,000. That essentially leaves you with 17 sorry. 17 thousand invested. And that 20,000, you can then take that back to your accountant, and they add that to your as a deduction onto your tap returns. And it reduces your taxable it's your income.\n\nYeah. Yeah. Yeah. That's okay. Sure.\n\nYes. Yes. Yep. Yes. Yes.\n\nYes. Yes. We can absolutely do that. We have lots of different investment structures that are not inside super, some which have to manage, some which are not so, some which are more long term investing, some are shorter term investing options. We can help you with the term deposits and whatever you want.\n\nSo, yeah, look, if when and if you guys are ready, you know, how much you're expecting to have after it all, let me know. I'll have a really good chat with the both of you, look at your goals, look at how you want that invested, what you need to live on, what your circumstances look like, and we can generate a nice big advice document and sort of really look at what to do with that money. Yeah. Yeah. That's alright.\n\nYeah. It's just Yes. Yeah. Yeah. Mhmm.\n\nYeah. So, realistically, the contract date when the contract is signed and exchanged, that is when the CDP event is is goes into play. Yeah. Yeah. Yes.\n\nIf you can hold up until the new financial year, that might work out more of a benefit. Yeah. Oh, that's no. That's okay. Not a problem at all.\n\nI always try to make time for you know, if you need something, please let me know. I'm always here. I will always try to help. I wanted to make as much of that email as as clear as possible, but it was just there was so many variables. I'm so sorry.\n\nYeah. No. That's yeah. And that was the thing. It was all like, this is the quote.\n\nThis could change. No. They're not really giving you a great deal of information, but yeah. Yeah. Yeah.\n\nYeah. Yeah. So that could be higher. Yeah. Yeah.\n\nYeah. No. That's okay. Yes. Absolutely.\n\nAbsolutely. I'll even maybe get Samantha to try and book it in for you a bit earlier. We might just look at it in July. That way we can talk about where you're going and maybe incorporate any changes that are occurring then and see if we can do a really big advice document for the both of you and have a look at everything. Does that sound okay if we go kinda mid to late July?\n\nYeah? Oh, that's okay. If you guys have any other questions or need anything, don't ever hesitate. Give me a call at any time. I will always make time to fit you in.\n\nOkay? That's okay. You too. And say hi to Paul. Have a great day.\n\nThanks. Thanks, Kath. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.24,"end":0.48,"sentiment":"neutral","sentiment_score":0.03892488032579422},{"text":"This is Dana.","start":0.48,"end":1.38,"sentiment":"neutral","sentiment_score":0.03698446353276571},{"text":"Yeah.","start":6.8799996,"end":7.2799997,"sentiment":"neutral","sentiment_score":0.04852839931845665},{"text":"No worries.","start":7.2799997,"end":7.7599998,"sentiment":"neutral","sentiment_score":0.04316182807087898},{"text":"Sorry.","start":7.7599998,"end":7.9199996,"sentiment":"neutral","sentiment_score":-0.027569204568862915}],"sentiment":"neutral","sentiment_score":0.03214514022693038,"num_words":8,"start":0.24,"end":7.9199996},{"sentences":[{"text":"I just went into my dog.","start":7.9199996,"end":8.88,"sentiment":"neutral","sentiment_score":-0.09135610486070316},{"text":"I just came back from the bathroom.","start":8.88,"end":10.16,"sentiment":"neutral","sentiment_score":-0.09771562154803957},{"text":"I do apologize.","start":10.16,"end":10.9,"sentiment":"neutral","sentiment_score":-0.09883226454257965},{"text":"Just gonna put my earphones in real quick.","start":11.759999,"end":14.34,"sentiment":"neutral","sentiment_score":-0.005378199857659638},{"text":"Can you hear me okay?","start":18.785,"end":20.005,"sentiment":"neutral","sentiment_score":0.006659198924899102}],"sentiment":"neutral","sentiment_score":-0.05304732337465574,"num_words":29,"start":7.9199996,"end":20.005},{"sentences":[{"text":"Perfect.","start":22.545,"end":23.045,"sentiment":"neutral","sentiment_score":0.29513412714004517},{"text":"Did you say she got the email back at all or anything like that?","start":23.185,"end":26.564999,"sentiment":"neutral","sentiment_score":0.04116330003099782},{"text":"Yeah.","start":29.84,"end":30.34,"sentiment":"neutral","sentiment_score":0.25425243377685547},{"text":"Cool.","start":30.560001,"end":31.060001,"sentiment":"neutral","sentiment_score":0.2835017144680023},{"text":"Alright.","start":32.48,"end":32.98,"sentiment":"neutral","sentiment_score":0.0856250450015068}],"sentiment":"neutral","sentiment_score":0.08304441782335441,"num_words":18,"start":22.545,"end":32.98},{"sentences":[{"text":"Yeah.","start":39.36,"end":39.86,"sentiment":"neutral","sentiment_score":0.034721724689006805},{"text":"Yeah.","start":41.274998,"end":41.594997,"sentiment":"neutral","sentiment_score":0.08690732717514038},{"text":"That's okay.","start":41.594997,"end":42.155,"sentiment":"neutral","sentiment_score":0.14680208265781403},{"text":"No problem at all.","start":42.155,"end":42.915,"sentiment":"neutral","sentiment_score":0.1893044114112854},{"text":"I'll send 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all?","start":64.7,"end":67.28,"sentiment":"neutral","sentiment_score":-0.03669854282186581},{"text":"Yeah.","start":67.58,"end":68.08,"sentiment":"neutral","sentiment_score":-0.014006225392222404},{"text":"Absolutely.","start":71.495,"end":71.995,"sentiment":"neutral","sentiment_score":0.14756879210472107},{"text":"Yeah.","start":76.295006,"end":76.795006,"sentiment":"neutral","sentiment_score":0.0040728989988565445},{"text":"Yeah.","start":79.735,"end":80.235,"sentiment":"neutral","sentiment_score":0.0006092339754104614}],"sentiment":"neutral","sentiment_score":-0.019931550411617056,"num_words":17,"start":64.7,"end":80.235},{"sentences":[{"text":"Yeah.","start":83.86,"end":84.36,"sentiment":"neutral","sentiment_score":0.018990572541952133},{"text":"Yeah.","start":92.340004,"end":92.840004,"sentiment":"neutral","sentiment_score":-0.08197516202926636},{"text":"Absolutely.","start":92.9,"end":93.4,"sentiment":"neutral","sentiment_score":-0.049759089946746826},{"text":"No.","start":94.340004,"end":94.840004,"sentiment":"negative","sentiment_score":-0.3755790591239929},{"text":"No.","start":95.395004,"end":95.635,"sentiment":"negative","sentiment_score":-0.3412511348724365}],"sentiment":"neutral","sentiment_score":-0.1659147746860981,"num_words":5,"start":83.86,"end":95.635},{"sentences":[{"text":"Definitely not.","start":95.635,"end":96.275,"sentiment":"negative","sentiment_score":-0.4137101471424103},{"text":"Because, I mean, it's all gonna go through the payroll anyway, and that'll need to do up, like, a statement, provide all the information to the ACO for, like, end of financial year anyway.","start":96.275,"end":105.415,"sentiment":"neutral","sentiment_score":-0.14775966053061626},{"text":"So it's absolutely feasible to get that information from them.","start":105.635,"end":109.395004,"sentiment":"neutral","sentiment_score":0.3137835096567869},{"text":"Yeah.","start":109.395004,"end":109.635,"sentiment":"neutral","sentiment_score":0.28310561180114746},{"text":"And they, look, they should be able to find a way to do it or at least tell him when he can get that access to that 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it can do.","start":174.77,"end":175.89,"sentiment":"neutral","sentiment_score":0.07145746517926455},{"text":"So there are some additional areas that we can look at to sort of provide.","start":175.89,"end":180.165,"sentiment":"neutral","sentiment_score":0.06135286157950759},{"text":"So he can just make, like, non concessional contributions to your super, which boosts your super.","start":180.165,"end":185.765,"sentiment":"positive","sentiment_score":0.5054432917386293},{"text":"That's essentially not giving him any kind of tax deduction in any way.","start":185.765,"end":189.525,"sentiment":"neutral","sentiment_score":0.16150502402048844},{"text":"It's just putting, like, a large lump sum into your super that gets invested in your super fund, a 100% invested, and provides growth to you.","start":189.525,"end":198.62999,"sentiment":"positive","sentiment_score":0.5550012175853436}],"sentiment":"positive","sentiment_score":0.3489569246177436,"num_words":74,"start":174.77,"end":198.62999},{"sentences":[{"text":"There is other ways, like, depending on your income, there are other, like, spousal contributions that can be made where it can provide him with a small tax deduction, but it does look like I think last year, I had a really good look at that.","start":199.48999,"end":213.005,"sentiment":"neutral","sentiment_score":0.16253161365571228},{"text":"You were over the threshold to do that.","start":213.005,"end":215.26501,"sentiment":"neutral","sentiment_score":0.1540517918765545},{"text":"But yeah.","start":215.645,"end":216.865,"sentiment":"neutral","sentiment_score":0.020963530987501144},{"text":"Yeah.","start":218.52501,"end":219.02501,"sentiment":"neutral","sentiment_score":0.13790978491306305},{"text":"Yeah.","start":219.085,"end":219.585,"sentiment":"neutral","sentiment_score":0.14143970608711243}],"sentiment":"neutral","sentiment_score":0.15569215717500653,"num_words":58,"start":199.48999,"end":219.585},{"sentences":[{"text":"But now look, honestly, there are other ways to to utilize the money to put it into super that they don't really give you the same sort of tax advantage, but putting it into your super is a good thing as a nonconcessional contribution because while there's no tax deduction there, the current nonconcessional cap for the year is a 110 oh, sorry.","start":219.94,"end":240.10501,"sentiment":"neutral","sentiment_score":0.22521682343785726},{"text":"A 120,000, or we can utilize this year's nonconcessional rule and the next two years, and we can put up 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money into super, you can't take it back out again until you reach 60 or meet a reservation condition of release.","start":269.095,"end":276.395,"sentiment":"neutral","sentiment_score":-0.1380014571432884},{"text":"So I just wanna make sure I'm not gonna leave you guys 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but there's nothing to say we can't do that for you.","start":355.905,"end":362.64502,"sentiment":"neutral","sentiment_score":-0.2682923362368629},{"text":"Yeah.","start":363.025,"end":363.525,"sentiment":"neutral","sentiment_score":-0.054188381880521774},{"text":"Sure.","start":373.43,"end":373.75,"sentiment":"neutral","sentiment_score":-0.04477856308221817}],"sentiment":"neutral","sentiment_score":-0.14976762827219708,"num_words":49,"start":346.66,"end":373.75},{"sentences":[{"text":"Yep.","start":373.75,"end":374.25,"sentiment":"neutral","sentiment_score":-0.10573230683803558},{"text":"Yes.","start":384.54498,"end":385.04498,"sentiment":"neutral","sentiment_score":0.01635022833943367},{"text":"Yes.","start":388.865,"end":389.365,"sentiment":"neutral","sentiment_score":0.014805098064243792},{"text":"If he dumped it all in and made it concessional, he would have to pay tax at the highest marginal tax rate with a 15% offset for the tax that's already been deducted.","start":390.54498,"end":399.85,"sentiment":"neutral","sentiment_score":-0.0875668464736505},{"text":"So they look at the 40 40 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rule.","start":412.685,"end":414.545,"sentiment":"neutral","sentiment_score":-0.015254377946257591},{"text":"So with yours, just some your balance is a lot lower.","start":418.605,"end":422.365,"sentiment":"neutral","sentiment_score":-0.000846942040053281},{"text":"You're under that $500,000 mark at the moment, aren't you?","start":422.365,"end":425.56,"sentiment":"neutral","sentiment_score":-0.02151468014344573},{"text":"Yeah.","start":425.86,"end":426.36,"sentiment":"neutral","sentiment_score":-0.01803546771407127},{"text":"So with yours, it wouldn't give him yeah.","start":426.66,"end":430.1,"sentiment":"neutral","sentiment_score":-0.06276683183386922}],"sentiment":"neutral","sentiment_score":-0.02345443359975304,"num_words":35,"start":412.685,"end":430.1},{"sentences":[{"text":"So putting it in your suit and you utilizing the carry forward rule actually doesn't give him any tax benefit.","start":430.1,"end":436.36,"sentiment":"neutral","sentiment_score":-0.2038391999900341},{"text":"It does give you a tax benefit, though.","start":436.905,"end":438.905,"sentiment":"neutral","sentiment_score":-0.25958067178726196},{"text":"So we would be able to utilize put more money into your super.","start":438.905,"end":442.845,"sentiment":"neutral","sentiment_score":0.08488430312046638},{"text":"The amount you put in is taken as a tax deduction and has helped to lower your overall tax, like, your taxable income, but it would give you that benefit.","start":443.065,"end":453.34,"sentiment":"neutral","sentiment_score":0.19094448735316594},{"text":"Yep.","start":461.08,"end":461.58,"sentiment":"neutral","sentiment_score":-0.1739853322505951}],"sentiment":"neutral","sentiment_score":0.007005775761273172,"num_words":72,"start":430.1,"end":461.58},{"sentences":[{"text":"Well, the money inside super whenever money's put inside super, there's always tax on that.","start":465.79498,"end":470.275,"sentiment":"neutral","sentiment_score":-0.18887114028135935},{"text":"It's 15% tax inside the super system.","start":470.275,"end":473.01498,"sentiment":"neutral","sentiment_score":-0.11844915258032936},{"text":"But if we put the money into your super fund and utilize the carry forward rule from the previous years, you don't it doesn't really make more tax for you.","start":473.235,"end":482.33,"sentiment":"neutral","sentiment_score":0.1523562217131257},{"text":"It actually gives you a tax deduction.","start":482.33,"end":484.11,"sentiment":"neutral","sentiment_score":0.27554907543318613},{"text":"So as an example, if you were to put 20,000 into your super, so long as your balance was under 500,000 as of June last year, that we claim a notice of intent against that.","start":484.16998,"end":496.565,"sentiment":"neutral","sentiment_score":0.020697427913546562}],"sentiment":"neutral","sentiment_score":0.03789073387359051,"num_words":94,"start":465.79498,"end":496.565},{"sentences":[{"text":"Inside super, your super fund takes 15% tax out of that 20,000.","start":496.865,"end":501.745,"sentiment":"neutral","sentiment_score":0.055698479836185776},{"text":"That essentially leaves you with 17 sorry.","start":501.745,"end":504.625,"sentiment":"neutral","sentiment_score":0.02577833059642996},{"text":"17 thousand invested.","start":504.625,"end":506.83002,"sentiment":"neutral","sentiment_score":0.05049853026866913},{"text":"And that 20,000, you can then take that back to your accountant, and they add that to your as a deduction onto your tap returns.","start":507.13,"end":516.35004,"sentiment":"neutral","sentiment_score":0.1318008027970791},{"text":"And it reduces your taxable it's your 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your goals, look at how you want that invested, what you need to live on, what your circumstances look like, and we can generate a nice big advice document and sort of really look at what to do with that money.","start":575.02,"end":588.15497,"sentiment":"positive","sentiment_score":0.4964779598845376},{"text":"Yeah.","start":588.295,"end":588.795,"sentiment":"neutral","sentiment_score":0.1733393371105194},{"text":"Yeah.","start":591.97,"end":592.05,"sentiment":"neutral","sentiment_score":0.017567822709679604},{"text":"That's alright.","start":592.05,"end":592.87,"sentiment":"neutral","sentiment_score":0.018025700002908707}],"sentiment":"positive","sentiment_score":0.3619233760982752,"num_words":83,"start":568.46,"end":592.87},{"sentences":[{"text":"Yeah.","start":593.89,"end":594.39,"sentiment":"neutral","sentiment_score":0.020774589851498604},{"text":"It's just 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okay.","start":658.0,"end":658.80005,"sentiment":"neutral","sentiment_score":0.28156401216983795},{"text":"Not a problem at all.","start":658.80005,"end":659.84,"sentiment":"positive","sentiment_score":0.34081297516822817}],"sentiment":"neutral","sentiment_score":0.14343553203447112,"num_words":29,"start":643.255,"end":659.84},{"sentences":[{"text":"I always try to make time for you know, if you need something, please let me know.","start":659.84,"end":664.15497,"sentiment":"neutral","sentiment_score":0.30774953698410706},{"text":"I'm always here.","start":664.15497,"end":664.95496,"sentiment":"positive","sentiment_score":0.3927500545978546},{"text":"I will always try to help.","start":664.95496,"end":666.235,"sentiment":"positive","sentiment_score":0.39818767830729485},{"text":"I wanted to make as much of that email as as clear as possible, but it was just there was so many 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yeah.","start":682.16,"end":685.86,"sentiment":"neutral","sentiment_score":-0.11092764666924874},{"text":"Yeah.","start":689.92,"end":690.42,"sentiment":"neutral","sentiment_score":-0.024257658049464222},{"text":"Yeah.","start":696.035,"end":696.535,"sentiment":"neutral","sentiment_score":-0.01481803972274065}],"sentiment":"neutral","sentiment_score":-0.09789838429747356,"num_words":18,"start":681.04,"end":696.535},{"sentences":[{"text":"Yeah.","start":697.555,"end":698.055,"sentiment":"neutral","sentiment_score":-0.02086658403277397},{"text":"Yeah.","start":703.635,"end":704.135,"sentiment":"neutral","sentiment_score":-0.01370690669864416},{"text":"So that could be 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okay.","start":709.08997,"end":709.91,"sentiment":"neutral","sentiment_score":0.006499520968645811},{"text":"Yes.","start":712.37,"end":712.87,"sentiment":"neutral","sentiment_score":0.11715330183506012},{"text":"Absolutely.","start":713.57,"end":714.07,"sentiment":"neutral","sentiment_score":0.17199979722499847}],"sentiment":"neutral","sentiment_score":0.0976410882237057,"num_words":6,"start":708.13,"end":714.07},{"sentences":[{"text":"Absolutely.","start":714.61,"end":715.11,"sentiment":"neutral","sentiment_score":0.2669236660003662},{"text":"I'll even maybe get Samantha to try and book it in for you a bit earlier.","start":715.49,"end":718.93,"sentiment":"neutral","sentiment_score":0.24828361347317696},{"text":"We might just look at it in July.","start":718.93,"end":720.52997,"sentiment":"neutral","sentiment_score":0.2521310839802027},{"text":"That way we can talk about where you're going and maybe incorporate any changes that are occurring then and see if we can do a really big advice document for the both of you and have a look at everything.","start":720.52997,"end":730.065,"sentiment":"neutral","sentiment_score":0.1921458885073662},{"text":"Does that sound okay if we go kinda mid to late July?","start":730.065,"end":732.645,"sentiment":"neutral","sentiment_score":0.14765739689270654}],"sentiment":"neutral","sentiment_score":0.20408096696649278,"num_words":77,"start":714.61,"end":732.645},{"sentences":[{"text":"Yeah?","start":732.78503,"end":733.28503,"sentiment":"neutral","sentiment_score":0.101885586977005},{"text":"Oh, that's okay.","start":736.19,"end":736.99,"sentiment":"neutral","sentiment_score":0.26261581977208454},{"text":"If you guys have any other questions or need anything, don't ever hesitate.","start":736.99,"end":740.45,"sentiment":"neutral","sentiment_score":0.23722486541821405},{"text":"Give me a call at any time.","start":740.51,"end":741.95,"sentiment":"neutral","sentiment_score":0.22647222237927572},{"text":"I will always make time to fit you in.","start":741.95,"end":743.87,"sentiment":"neutral","sentiment_score":0.2709997859266069}],"sentiment":"neutral","sentiment_score":0.24236242202195254,"num_words":33,"start":732.78503,"end":743.87},{"sentences":[{"text":"Okay?","start":743.87,"end":744.37,"sentiment":"neutral","sentiment_score":0.15509134531021118},{"text":"That's okay.","start":746.6129,"end":747.3529,"sentiment":"positive","sentiment_score":0.5781528949737549},{"text":"You too.","start":748.69293,"end":749.33295,"sentiment":"positive","sentiment_score":0.509377509355545},{"text":"And say hi to Paul.","start":749.33295,"end":750.5329,"sentiment":"positive","sentiment_score":0.35609651207923887},{"text":"Have a great day.","start":750.5329,"end":751.6729,"sentiment":"positive","sentiment_score":0.6025490015745163}],"sentiment":"positive","sentiment_score":0.465773622904505,"num_words":14,"start":743.87,"end":751.6729},{"sentences":[{"text":"Thanks.","start":753.33295,"end":753.83295,"sentiment":"positive","sentiment_score":0.6086861491203308},{"text":"Thanks, Kath.","start":754.13293,"end":754.77295,"sentiment":"positive","sentiment_score":0.6436991691589355},{"text":"Bye.","start":754.77295,"end":755.27295,"sentiment":"neutral","sentiment_score":-0.11873824894428252}],"sentiment":"positive","sentiment_score":0.44433655962347984,"num_words":4,"start":753.33295,"end":755.27295}]}}]},{"alternatives":[{"transcript":"Hi, Dana. It's Maddie. I've got Cath Woods on the phone if you have a moment to chat with her. No. No. That's alright. Yep. I can hear you okay. I yes. Yes. She said that she received your email back. Beautiful. I passed her through security. I've also passed Paul. Like, she's an ATPA, so I got his details as well. He's not there. Just to let you know. Beautiful. You've got her in 03/21. How are you? I'm so sorry. This sort of we're in a bit of a slap at the moment. Thanks. Yep. No. I've got that. No. I've read it all. That's perfect. I just wanna ask you a few little things. And I oh, firstly, Paul's gone till, I think, Sunday night to say yes or tomorrow night to say yes, but he's leaning towards saying yes. He's just down the back working. He asked if I could ring. Is it feasible for him to call his payroll and sort of say, you know, could I have the next figure I'm going to get? I mean, that's not an unreasonable thing, is it? Okay. Yes. Okay. Okay. Okay. Because if it's the funny thing is if he says yes and they choose him, which he thinks they will because there's only a few people putting for it, they will he can't say no. So that's the funny thing. You know? It's it's a it's a bit but, also, he probably won't have to go until next January or next May. So probably not working there. You know? He'll say, yes. You've got the redundancy, but you have to work until probably next May. So the figures are gonna be higher because he will have had another probably three weeks. But anyway so that's good. Yeah. Yeah. Also, just one thing, if he puts because he got the advice just from a friend who's been through this, and he said put it in your wife's super. It's still gonna be taxed as normal, isn't it? Like, what's the because I only I have I only had 200 and something thousand dollar super, and I only usually use about 5 thou I only get about 5,000 a year. So that's why a person told you to put it in your wife. Does that work or not? Sure. Yep. I think I earned too much. Yeah. I am. Because only because I got an investment property. Yeah. Yep. Sure. Yep. Yes. I thought. That's right. Yeah. I mean, he's planning to go back to no. Sure. He's planning to go back to some sort of work anyway. You know what I mean? Like, even if he get even if he gets this next yeah. He's planning to go. But also, lastly, so the reason for putting in my super not his, he can't lose over 500,000. Is that correct? Yep. Yeah. No. He'll be working right up to that he gets it. Yeah. Yeah. Yeah. Oh, yes. He paid Yes. He paid. Yes. Yes. So just to get it clear yeah. To just get it clear, just so I can tell him. So, basically, the reason if if say he just still said, oh, I wanna put it all in his super, which he doesn't. I just wanted to get this clear. He what tax would he have to pay if he put it all in his super? Because he already he's up to the $30,000 most years of of concessional con of whatever, c g, whatever. And he's also over the 500,000. So say he just dumped it in his. What tax would he pay on that? Yep. That's what I thought. So if he puts it in yes. I get it. But if he puts it in mine, because I haven't used my brought forward rule or whatever it's called or the what's it called? Yeah. What tax will he pay carry forward. What what tax will he pay to go into mine? That's two hundred and fifty. Yeah. 200 we've borrowed that two 50. No. But, look, we don't pay because I'm under the 500 and I haven't utilized I can use the carry forward rule. I wouldn't have to pay even any tax on it like he would have to. Is that correct? He said that's right. Yep. Yep. Wrong. Yes. Yep. Yep. Yep. Oh, yes. Yes. Yes. Oh, I know what you're saying. I yep. I totally understand it. Yep. Excellent. No. I do understand now. Thank you. Lastly, if worst case scenario, we're thinking of selling Russell Vale, we got an offer on it. If we go ahead with it and sell it, we're going to have about probably, I don't know, roughly a million dollars. So we're gonna have to utilize my carry forward rule for that, and that'll happen beforehand. So if worst comes to worst, all we've got to do is pull redundancy. We'll just invest through you guys through another sort of little portfolio, whatever you wanna call it. Is that correct? Yep. Okay. Yep. Okay. Yep. Yep. Okay. Excellent. No. That's okay. So and just sorry. Sorry. Just sort of one thing. I think the person's going to exchange if we agree before June '30, but they're not going to settle until after the financial year, of course. So that means when we have to pay tax on the when we have to pay capital gains tax knowing that they exchanged in twenty fifth like, fifth '20 05/26, but won't settle until 2627. How does that all work? Okay. Yep. Alright. No. That's interesting. That's alright. So if we waited one more day afterwards, we're better off, aren't we? Because we don't have to pay the CGT until yeah. Okay. Yeah. Right. No. That's good to know. That's good to know. Alright. Well, thank you so much, Dana. I'm sorry that thank you for fitting me in. Thank you. That was perfect. I know. And I didn't give it a lot because they haven't given us a lot. Do you know what I mean? Yeah. I think it no. I mean, nothing will change in the weeks than that. It'll just get more depending on what time they leave and whether like, when Paul actually leaves the business, it might be in twelve months or nine months. But also, that's not also that hasn't included his annual leave that's left or anything like that. That's just the so there'll be more on top of that too. So I know yeah. Anyway, thank you so much. Well, we'll probably have our annual checkup soon, I suppose, in the next few months. Yep. Alright. Awesome. Great. I'll do it. Perfect. Oh, that sounds great. Yep. That sounds great. Thank you so much. Thank you. Oh, look. I really appreciate I really appreciate that. Thank you so much. You have a lovely day. Thanks. See you. I will for sure. Thank you. You too. 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Dana. It's Maddie. I've got Cath Woods on the phone if you have a moment to chat with her. No. No.\n\nThat's alright. Yep. I can hear you okay. I yes. Yes.\n\nShe said that she received your email back. Beautiful. I passed her through security. I've also passed Paul. Like, she's an ATPA, so I got his details as well.\n\nHe's not there. Just to let you know. Beautiful. You've got her in 03/21. How are you?\n\nI'm so sorry. This sort of we're in a bit of a slap at the moment. Thanks. Yep. No.\n\nI've got that. No. I've read it all. That's perfect. I just wanna ask you a few little things.\n\nAnd I oh, firstly, Paul's gone till, I think, Sunday night to say yes or tomorrow night to say yes, but he's leaning towards saying yes. He's just down the back working. He asked if I could ring. Is it feasible for him to call his payroll and sort of say, you know, could I have the next figure I'm going to get? I mean, that's not an unreasonable thing, is it?\n\nOkay. Yes. Okay. Okay. Okay.\n\nBecause if it's the funny thing is if he says yes and they choose him, which he thinks they will because there's only a few people putting for it, they will he can't say no. So that's the funny thing. You know? It's it's a it's a bit but, also, he probably won't have to go until next January or next May. So probably not working there.\n\nYou know? He'll say, yes. You've got the redundancy, but you have to work until probably next May. So the figures are gonna be higher because he will have had another probably three weeks. But anyway so that's good.\n\nYeah. Yeah. Also, just one thing, if he puts because he got the advice just from a friend who's been through this, and he said put it in your wife's super. It's still gonna be taxed as normal, isn't it? Like, what's the because I only I have I only had 200 and something thousand dollar super, and I only usually use about 5 thou I only get about 5,000 a year.\n\nSo that's why a person told you to put it in your wife. Does that work or not? Sure. Yep. I think I earned too much.\n\nYeah. I am. Because only because I got an investment property. Yeah. Yep.\n\nSure. Yep. Yes. I thought. That's right.\n\nYeah. I mean, he's planning to go back to no. Sure. He's planning to go back to some sort of work anyway. You know what I mean?\n\nLike, even if he get even if he gets this next yeah. He's planning to go. But also, lastly, so the reason for putting in my super not his, he can't lose over 500,000. Is that correct? Yep.\n\nYeah. No. He'll be working right up to that he gets it. Yeah. Yeah.\n\nYeah. Oh, yes. He paid Yes. He paid. Yes.\n\nYes. So just to get it clear yeah. To just get it clear, just so I can tell him. So, basically, the reason if if say he just still said, oh, I wanna put it all in his super, which he doesn't. I just wanted to get this clear.\n\nHe what tax would he have to pay if he put it all in his super? Because he already he's up to the $30,000 most years of of concessional con of whatever, c g, whatever. And he's also over the 500,000. So say he just dumped it in his. What tax would he pay on that?\n\nYep. That's what I thought. So if he puts it in yes. I get it. But if he puts it in mine, because I haven't used my brought forward rule or whatever it's called or the what's it called?\n\nYeah. What tax will he pay carry forward. What what tax will he pay to go into mine? That's two hundred and fifty. Yeah.\n\n200 we've borrowed that two 50. No. But, look, we don't pay because I'm under the 500 and I haven't utilized I can use the carry forward rule. I wouldn't have to pay even any tax on it like he would have to. Is that correct?\n\nHe said that's right. Yep. Yep. Wrong. Yes.\n\nYep. Yep. Yep. Oh, yes. Yes.\n\nYes. Oh, I know what you're saying. I yep. I totally understand it. Yep.\n\nExcellent. No. I do understand now. Thank you. Lastly, if worst case scenario, we're thinking of selling Russell Vale, we got an offer on it.\n\nIf we go ahead with it and sell it, we're going to have about probably, I don't know, roughly a million dollars. So we're gonna have to utilize my carry forward rule for that, and that'll happen beforehand. So if worst comes to worst, all we've got to do is pull redundancy. We'll just invest through you guys through another sort of little portfolio, whatever you wanna call it. Is that correct?\n\nYep. Okay. Yep. Okay. Yep.\n\nYep. Okay. Excellent. No. That's okay.\n\nSo and just sorry. Sorry. Just sort of one thing. I think the person's going to exchange if we agree before June '30, but they're not going to settle until after the financial year, of course. So that means when we have to pay tax on the when we have to pay capital gains tax knowing that they exchanged in twenty fifth like, fifth '20 05/26, but won't settle until 2627.\n\nHow does that all work? Okay. Yep. Alright. No.\n\nThat's interesting. That's alright. So if we waited one more day afterwards, we're better off, aren't we? Because we don't have to pay the CGT until yeah. Okay.\n\nYeah. Right. No. That's good to know. That's good to know.\n\nAlright. Well, thank you so much, Dana. I'm sorry that thank you for fitting me in. Thank you. That was perfect.\n\nI know. And I didn't give it a lot because they haven't given us a lot. Do you know what I mean? Yeah. I think it no.\n\nI mean, nothing will change in the weeks than that. It'll just get more depending on what time they leave and whether like, when Paul actually leaves the business, it might be in twelve months or nine months. But also, that's not also that hasn't included his annual leave that's left or anything like that. That's just the so there'll be more on top of that too. So I know yeah.\n\nAnyway, thank you so much. Well, we'll probably have our annual checkup soon, I suppose, in the next few months. Yep. Alright. Awesome.\n\nGreat. I'll do it. Perfect. Oh, that sounds great. Yep.\n\nThat sounds great. Thank you so much. Thank you. Oh, look. I really appreciate I really appreciate that.\n\nThank you so much. You have a lovely day. Thanks. See you. I will for sure.\n\nThank you. You too. Bye bye.","paragraphs":[{"sentences":[{"text":"Hi, Dana.","start":1.92,"end":2.56,"sentiment":"neutral","sentiment_score":0.07912826538085938},{"text":"It's Maddie.","start":2.56,"end":3.36,"sentiment":"neutral","sentiment_score":0.08260074257850647},{"text":"I've got Cath Woods on the phone if you have a moment to chat with her.","start":3.36,"end":6.8199997,"sentiment":"neutral","sentiment_score":0.07972448086366057},{"text":"No.","start":9.679999,"end":10.179999,"sentiment":"neutral","sentiment_score":-0.1455223560333252},{"text":"No.","start":11.44,"end":11.679999,"sentiment":"neutral","sentiment_score":-0.04976661875844002}],"sentiment":"neutral","sentiment_score":0.06380730613388798,"num_words":22,"start":1.92,"end":11.679999},{"sentences":[{"text":"That's alright.","start":11.679999,"end":12.5,"sentiment":"neutral","sentiment_score":-0.01052290853112936},{"text":"Yep.","start":20.595,"end":20.915,"sentiment":"neutral","sentiment_score":0.026114527136087418},{"text":"I can hear you okay.","start":20.915,"end":22.055,"sentiment":"neutral","sentiment_score":0.05295961275696755},{"text":"I yes.","start":22.675,"end":26.77,"sentiment":"neutral","sentiment_score":0.06823350675404072},{"text":"Yes.","start":26.77,"end":27.17,"sentiment":"neutral","sentiment_score":0.06175883859395981}],"sentiment":"neutral","sentiment_score":0.04255387508733706,"num_words":11,"start":11.679999,"end":27.17},{"sentences":[{"text":"She said that she received your email back.","start":27.17,"end":29.01,"sentiment":"neutral","sentiment_score":0.10063006356358528},{"text":"Beautiful.","start":29.01,"end":29.51,"sentiment":"positive","sentiment_score":0.42358770966529846},{"text":"I passed her through security.","start":32.29,"end":33.75,"sentiment":"neutral","sentiment_score":0.08650416806340218},{"text":"I've also passed Paul.","start":33.81,"end":35.010002,"sentiment":"neutral","sentiment_score":0.05279769655317068},{"text":"Like, she's an ATPA, so I got his details as 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sorry.","start":51.925003,"end":52.885002,"sentiment":"neutral","sentiment_score":-0.15540583928426108},{"text":"This sort of we're in a bit of a slap at the moment.","start":52.885002,"end":56.11,"sentiment":"neutral","sentiment_score":-0.20489106685496294},{"text":"Thanks.","start":57.29,"end":57.79,"sentiment":"neutral","sentiment_score":-0.011645663529634476},{"text":"Yep.","start":65.130005,"end":65.53,"sentiment":"neutral","sentiment_score":-0.004209356382489204},{"text":"No.","start":65.53,"end":65.85,"sentiment":"neutral","sentiment_score":-0.0910576656460762}],"sentiment":"neutral","sentiment_score":-0.17035337223818428,"num_words":19,"start":51.925003,"end":65.85},{"sentences":[{"text":"I've got that.","start":65.85,"end":66.645,"sentiment":"neutral","sentiment_score":-0.07922243823607762},{"text":"No.","start":67.204994,"end":67.445,"sentiment":"neutral","sentiment_score":-0.06129320710897446},{"text":"I've read it all.","start":67.445,"end":68.16499,"sentiment":"neutral","sentiment_score":-0.0015653911978006363},{"text":"That's perfect.","start":68.16499,"end":68.80499,"sentiment":"positive","sentiment_score":0.3680638372898102},{"text":"I just wanna ask you a few little things.","start":68.80499,"end":70.884995,"sentiment":"neutral","sentiment_score":0.17174904545148215}],"sentiment":"neutral","sentiment_score":0.10403405247550261,"num_words":19,"start":65.85,"end":70.884995},{"sentences":[{"text":"And I oh, firstly, Paul's gone till, I think, Sunday night to say yes or tomorrow night to say yes, but he's leaning towards saying yes.","start":70.884995,"end":80.840004,"sentiment":"neutral","sentiment_score":0.016715818371337194},{"text":"He's just down the back working.","start":80.840004,"end":82.04,"sentiment":"neutral","sentiment_score":-0.030597245320677757},{"text":"He asked if I could ring.","start":82.04,"end":83.340004,"sentiment":"neutral","sentiment_score":-0.007245548612748583},{"text":"Is it feasible for him to call his payroll and sort of say, you know, could I have the next figure I'm going to get?","start":83.880005,"end":91.740005,"sentiment":"neutral","sentiment_score":-0.04081509307026863},{"text":"I mean, that's not an unreasonable thing, is 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there's only a few people putting for it, they will he can't say no.","start":116.72,"end":125.695,"sentiment":"neutral","sentiment_score":0.015253471263817379},{"text":"So that's the funny thing.","start":125.695,"end":126.735,"sentiment":"neutral","sentiment_score":-0.13739611506462096},{"text":"You know?","start":126.735,"end":126.975,"sentiment":"neutral","sentiment_score":-0.06861324235796928},{"text":"It's it's a it's a bit but, also, he probably won't have to go until next January or next May.","start":126.975,"end":132.115,"sentiment":"neutral","sentiment_score":-0.16839960478246213},{"text":"So probably not working there.","start":132.29001,"end":133.73001,"sentiment":"neutral","sentiment_score":-0.19927479326725006}],"sentiment":"neutral","sentiment_score":-0.06947315862374519,"num_words":67,"start":116.72,"end":133.73001},{"sentences":[{"text":"You know?","start":133.73001,"end":134.13,"sentiment":"neutral","sentiment_score":-0.08055492863059044},{"text":"He'll say, yes.","start":134.13,"end":134.93001,"sentiment":"neutral","sentiment_score":-0.10999854654073715},{"text":"You've got the redundancy, but you have to work until probably next May.","start":134.93001,"end":138.61,"sentiment":"neutral","sentiment_score":-0.2333606745188053},{"text":"So the figures are gonna be higher because he will have had another probably three weeks.","start":138.61,"end":142.23001,"sentiment":"neutral","sentiment_score":-0.22449846100062132},{"text":"But anyway so that's good.","start":142.69,"end":144.225,"sentiment":"neutral","sentiment_score":0.10334844291210174}],"sentiment":"neutral","sentiment_score":-0.16923147248916137,"num_words":39,"start":133.73001,"end":144.225},{"sentences":[{"text":"Yeah.","start":145.18501,"end":145.68501,"sentiment":"neutral","sentiment_score":0.05616755783557892},{"text":"Yeah.","start":147.66501,"end":148.065,"sentiment":"neutral","sentiment_score":0.04474224895238876},{"text":"Also, just one thing, if he puts because he got the advice just from a friend who's been through this, and he said put it in your wife's super.","start":148.065,"end":157.445,"sentiment":"neutral","sentiment_score":-0.007363909919714105},{"text":"It's still gonna be taxed as normal, isn't it?","start":157.7,"end":160.01999,"sentiment":"neutral","sentiment_score":-0.042165638154579535},{"text":"Like, what's the because I only I have I only had 200 and something thousand dollar super, and I only usually use about 5 thou I only get about 5,000 a year.","start":160.01999,"end":169.665,"sentiment":"neutral","sentiment_score":-0.051645365194417536}],"sentiment":"neutral","sentiment_score":-0.029788694590226643,"num_words":72,"start":145.18501,"end":169.665},{"sentences":[{"text":"So that's why a person told you to put it in your wife.","start":169.665,"end":172.64499,"sentiment":"neutral","sentiment_score":-0.04052439876473867},{"text":"Does that work or 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if he get even if he gets this next yeah.","start":285.705,"end":288.265,"sentiment":"neutral","sentiment_score":0.18562889037032923},{"text":"He's planning to go.","start":288.265,"end":289.26,"sentiment":"neutral","sentiment_score":0.1388237290084362},{"text":"But also, lastly, so the reason for putting in my super not his, he can't lose over 500,000.","start":289.34,"end":294.78,"sentiment":"neutral","sentiment_score":-0.054589225289722286},{"text":"Is that 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fifty.","start":423.035,"end":424.65503,"sentiment":"neutral","sentiment_score":-0.021867795288562773},{"text":"Yeah.","start":424.875,"end":425.375,"sentiment":"neutral","sentiment_score":-0.026634562760591507}],"sentiment":"neutral","sentiment_score":-0.02430416752273838,"num_words":24,"start":411.68002,"end":425.375},{"sentences":[{"text":"200 we've borrowed that two 50.","start":426.075,"end":428.33502,"sentiment":"neutral","sentiment_score":-0.06171705977370342},{"text":"No.","start":437.13,"end":437.63,"sentiment":"negative","sentiment_score":-0.3437972664833069},{"text":"But, look, we don't pay because I'm under the 500 and I haven't utilized I can use the carry forward rule.","start":453.955,"end":460.14,"sentiment":"neutral","sentiment_score":-0.13902553206398374},{"text":"I wouldn't have to pay even any tax on it like he would have to.","start":460.14,"end":464.22,"sentiment":"neutral","sentiment_score":-0.13020134742061298},{"text":"Is that correct?","start":464.22,"end":465.04,"sentiment":"neutral","sentiment_score":-0.011797096580266953}],"sentiment":"neutral","sentiment_score":-0.12221841955476481,"num_words":46,"start":426.075,"end":465.04},{"sentences":[{"text":"He said that's right.","start":471.66,"end":473.985,"sentiment":"neutral","sentiment_score":0.027117924764752385},{"text":"Yep.","start":478.22498,"end":478.72498,"sentiment":"neutral","sentiment_score":0.08261556923389435},{"text":"Yep.","start":479.66498,"end":480.16498,"sentiment":"neutral","sentiment_score":0.1218029484152794},{"text":"Wrong.","start":485.10498,"end":485.60498,"sentiment":"neutral","sentiment_score":-0.07190970331430435},{"text":"Yes.","start":489.10498,"end":489.48,"sentiment":"neutral","sentiment_score":0.09452566504478456}],"sentiment":"neutral","sentiment_score":0.041938272304832935,"num_words":8,"start":471.66,"end":489.48},{"sentences":[{"text":"Yep.","start":493.80002,"end":494.30002,"sentiment":"neutral","sentiment_score":0.04928026720881462},{"text":"Yep.","start":497.32,"end":497.82,"sentiment":"neutral","sentiment_score":0.017811177298426628},{"text":"Yep.","start":502.52002,"end":502.935,"sentiment":"neutral","sentiment_score":0.037330519407987595},{"text":"Oh, yes.","start":504.855,"end":505.835,"sentiment":"neutral","sentiment_score":0.06300828978419304},{"text":"Yes.","start":506.375,"end":506.875,"sentiment":"neutral","sentiment_score":0.1322406530380249}],"sentiment":"neutral","sentiment_score":0.06044653275360664,"num_words":6,"start":493.80002,"end":506.875},{"sentences":[{"text":"Yes.","start":514.935,"end":515.095,"sentiment":"neutral","sentiment_score":0.09864052385091782},{"text":"Oh, I know what you're saying.","start":515.095,"end":516.135,"sentiment":"neutral","sentiment_score":0.034008905912439026},{"text":"I yep.","start":516.135,"end":517.11,"sentiment":"neutral","sentiment_score":0.07432512938976288},{"text":"I totally understand it.","start":517.35,"end":518.97,"sentiment":"neutral","sentiment_score":0.036831941455602646},{"text":"Yep.","start":520.63,"end":521.13,"sentiment":"neutral","sentiment_score":0.24243983626365664}],"sentiment":"neutral","sentiment_score":0.06007941572793892,"num_words":14,"start":514.935,"end":521.13},{"sentences":[{"text":"Excellent.","start":521.58997,"end":522.08997,"sentiment":"positive","sentiment_score":0.5263621807098389},{"text":"No.","start":522.14996,"end":522.31,"sentiment":"neutral","sentiment_score":0.10395326465368272},{"text":"I do understand now.","start":522.31,"end":523.26996,"sentiment":"neutral","sentiment_score":0.17190096527338028},{"text":"Thank you.","start":523.26996,"end":524.01,"sentiment":"positive","sentiment_score":0.38805969059467316},{"text":"Lastly, if worst case scenario, we're thinking of selling Russell Vale, we got an offer on it.","start":524.87,"end":531.345,"sentiment":"neutral","sentiment_score":0.056814985021072274}],"sentiment":"neutral","sentiment_score":0.1223957373201847,"num_words":25,"start":521.58997,"end":531.345},{"sentences":[{"text":"If we go ahead with it and sell it, we're going to have about probably, I don't know, roughly a million dollars.","start":531.345,"end":537.90497,"sentiment":"neutral","sentiment_score":0.04747112222354521},{"text":"So we're gonna have to utilize my carry forward rule for that, and that'll happen beforehand.","start":537.90497,"end":542.005,"sentiment":"neutral","sentiment_score":0.05932118324562907},{"text":"So if worst comes to worst, all we've got to do is pull redundancy.","start":542.39,"end":546.33,"sentiment":"neutral","sentiment_score":-0.07644731152270522},{"text":"We'll just invest through you guys through another sort of little portfolio, whatever you wanna call it.","start":546.39,"end":552.07,"sentiment":"neutral","sentiment_score":0.08588893317124423},{"text":"Is that correct?","start":552.07,"end":552.89,"sentiment":"neutral","sentiment_score":0.15378906826178232}],"sentiment":"neutral","sentiment_score":0.039510004558703966,"num_words":72,"start":531.345,"end":552.89},{"sentences":[{"text":"Yep.","start":562.245,"end":562.565,"sentiment":"neutral","sentiment_score":0.04295758530497551},{"text":"Okay.","start":562.565,"end":563.065,"sentiment":"neutral","sentiment_score":0.10235413908958436},{"text":"Yep.","start":565.84503,"end":566.34503,"sentiment":"neutral","sentiment_score":0.2575650215148926},{"text":"Okay.","start":569.51,"end":570.01,"sentiment":"neutral","sentiment_score":0.02561626210808754},{"text":"Yep.","start":574.55,"end":575.05,"sentiment":"neutral","sentiment_score":0.18219932913780212}],"sentiment":"neutral","sentiment_score":0.12213846743106842,"num_words":5,"start":562.245,"end":575.05},{"sentences":[{"text":"Yep.","start":587.925,"end":588.425,"sentiment":"neutral","sentiment_score":0.14641714096069336},{"text":"Okay.","start":588.485,"end":588.985,"sentiment":"neutral","sentiment_score":0.2775533199310303},{"text":"Excellent.","start":589.125,"end":589.605,"sentiment":"positive","sentiment_score":0.4528023004531861},{"text":"No.","start":589.605,"end":589.765,"sentiment":"neutral","sentiment_score":0.11292362213134766},{"text":"That's okay.","start":589.765,"end":590.505,"sentiment":"neutral","sentiment_score":0.09630833752453327}],"sentiment":"neutral","sentiment_score":0.19705217642088732,"num_words":6,"start":587.925,"end":590.505},{"sentences":[{"text":"So and just sorry.","start":591.045,"end":592.165,"sentiment":"neutral","sentiment_score":0.0013441164046525955},{"text":"Sorry.","start":592.165,"end":592.485,"sentiment":"neutral","sentiment_score":-0.010634107515215874},{"text":"Just sort of one thing.","start":592.485,"end":593.55,"sentiment":"neutral","sentiment_score":0.03111124485731125},{"text":"I think the person's going to exchange if we agree before June '30, but they're not going to settle until after the financial year, of course.","start":593.63,"end":606.675,"sentiment":"neutral","sentiment_score":0.02521390586088483},{"text":"So that means when we have to pay tax on the when we have to pay capital gains tax knowing that they exchanged in twenty fifth like, fifth '20 05/26, but won't settle until 2627.","start":606.755,"end":621.03,"sentiment":"neutral","sentiment_score":0.02896526482488428}],"sentiment":"neutral","sentiment_score":0.025628794417519803,"num_words":71,"start":591.045,"end":621.03},{"sentences":[{"text":"How does that all work?","start":621.03,"end":625.77,"sentiment":"neutral","sentiment_score":0.045473720878362656},{"text":"Okay.","start":632.15,"end":632.65,"sentiment":"neutral","sentiment_score":0.0650324821472168},{"text":"Yep.","start":633.11005,"end":633.61005,"sentiment":"neutral","sentiment_score":0.05990366265177727},{"text":"Alright.","start":633.915,"end":634.415,"sentiment":"neutral","sentiment_score":0.0554681271314621},{"text":"No.","start":634.635,"end":634.795,"sentiment":"neutral","sentiment_score":-0.03277595341205597}],"sentiment":"neutral","sentiment_score":0.041666324767801494,"num_words":9,"start":621.03,"end":634.795},{"sentences":[{"text":"That's interesting.","start":634.795,"end":635.515,"sentiment":"neutral","sentiment_score":-0.027556407731026415},{"text":"That's alright.","start":635.515,"end":636.15497,"sentiment":"neutral","sentiment_score":0.09683474525809288},{"text":"So if we waited one more day afterwards, we're better off, aren't we?","start":636.15497,"end":639.515,"sentiment":"neutral","sentiment_score":0.017845311882690743},{"text":"Because we don't have to pay the CGT until yeah.","start":639.515,"end":643.195,"sentiment":"neutral","sentiment_score":0.012306731566786766},{"text":"Okay.","start":643.195,"end":643.695,"sentiment":"neutral","sentiment_score":0.08192745596170425}],"sentiment":"neutral","sentiment_score":0.020555017898524448,"num_words":28,"start":634.795,"end":643.695},{"sentences":[{"text":"Yeah.","start":648.81,"end":649.21,"sentiment":"neutral","sentiment_score":0.1050856113433838},{"text":"Right.","start":649.21,"end":649.53,"sentiment":"neutral","sentiment_score":0.1170421689748764},{"text":"No.","start":649.53,"end":649.69,"sentiment":"neutral","sentiment_score":0.05407398194074631},{"text":"That's good to know.","start":649.69,"end":650.33,"sentiment":"neutral","sentiment_score":0.1894884891808033},{"text":"That's good to know.","start":650.33,"end":651.39,"sentiment":"positive","sentiment_score":0.34384213387966156}],"sentiment":"neutral","sentiment_score":0.21904765950007873,"num_words":11,"start":648.81,"end":651.39},{"sentences":[{"text":"Alright.","start":651.53,"end":651.85,"sentiment":"neutral","sentiment_score":0.2266893833875656},{"text":"Well, thank you so much, Dana.","start":651.85,"end":653.21,"sentiment":"positive","sentiment_score":0.40293222665786743},{"text":"I'm sorry that thank you for fitting me in.","start":653.21,"end":657.23,"sentiment":"neutral","sentiment_score":0.16959237390094334},{"text":"Thank you.","start":663.705,"end":664.365,"sentiment":"positive","sentiment_score":0.4275168180465698},{"text":"That was perfect.","start":670.265,"end":671.245,"sentiment":"positive","sentiment_score":0.5143484175205231}],"sentiment":"neutral","sentiment_score":0.3127949046237128,"num_words":21,"start":651.53,"end":671.245},{"sentences":[{"text":"I know.","start":673.44,"end":673.84,"sentiment":"neutral","sentiment_score":-0.13475601375102997},{"text":"And I didn't give it a lot because they haven't given us a lot.","start":673.84,"end":676.66003,"sentiment":"neutral","sentiment_score":-0.15673924450363433},{"text":"Do you know what I mean?","start":676.96,"end":677.94,"sentiment":"neutral","sentiment_score":-0.06998273481925328},{"text":"Yeah.","start":682.32,"end":682.64,"sentiment":"neutral","sentiment_score":-0.06330470740795135},{"text":"I think it no.","start":682.64,"end":686.10004,"sentiment":"neutral","sentiment_score":-0.15113952569663525}],"sentiment":"neutral","sentiment_score":-0.13154150628381306,"num_words":27,"start":673.44,"end":686.10004},{"sentences":[{"text":"I mean, nothing will change in the weeks than that.","start":686.24,"end":689.275,"sentiment":"neutral","sentiment_score":-0.11783643141388893},{"text":"It'll just get more depending on what time they leave and whether like, when Paul actually leaves the business, it might be in twelve months or nine months.","start":689.275,"end":696.895,"sentiment":"neutral","sentiment_score":-0.028496181392776116},{"text":"But also, that's not also that hasn't included his annual leave that's left or anything like that.","start":697.03503,"end":701.995,"sentiment":"neutral","sentiment_score":-0.0416830126196146},{"text":"That's just the so there'll be more on top of that too.","start":701.995,"end":704.82,"sentiment":"neutral","sentiment_score":-0.01724028183768193},{"text":"So I know yeah.","start":704.82,"end":706.34,"sentiment":"neutral","sentiment_score":-0.021434259600937366}],"sentiment":"neutral","sentiment_score":-0.04193646518487326,"num_words":71,"start":686.24,"end":706.34},{"sentences":[{"text":"Anyway, thank you so much.","start":706.98004,"end":708.82,"sentiment":"positive","sentiment_score":0.3338297545909882},{"text":"Well, we'll probably have our annual checkup soon, I suppose, in the next few months.","start":708.82,"end":712.84,"sentiment":"neutral","sentiment_score":-0.0027959351738293965},{"text":"Yep.","start":713.62,"end":714.12,"sentiment":"neutral","sentiment_score":0.17469865083694458},{"text":"Alright.","start":715.06,"end":715.56,"sentiment":"neutral","sentiment_score":0.25225886702537537},{"text":"Awesome.","start":718.755,"end":719.255,"sentiment":"positive","sentiment_score":0.4317306876182556}],"sentiment":"neutral","sentiment_score":0.10808251960122067,"num_words":23,"start":706.98004,"end":719.255},{"sentences":[{"text":"Great.","start":724.275,"end":724.755,"sentiment":"neutral","sentiment_score":0.2749752700328827},{"text":"I'll do it.","start":724.755,"end":728.615,"sentiment":"neutral","sentiment_score":0.17064556976159415},{"text":"Perfect.","start":728.675,"end":729.175,"sentiment":"positive","sentiment_score":0.37214726209640503},{"text":"Oh, that sounds great.","start":730.54,"end":731.83997,"sentiment":"neutral","sentiment_score":0.23956309258937836},{"text":"Yep.","start":733.33997,"end":733.74,"sentiment":"neutral","sentiment_score":0.2230762094259262}],"sentiment":"neutral","sentiment_score":0.234038782119751,"num_words":10,"start":724.275,"end":733.74},{"sentences":[{"text":"That sounds great.","start":733.74,"end":734.62,"sentiment":"positive","sentiment_score":0.5253669917583466},{"text":"Thank you so much.","start":734.62,"end":735.76,"sentiment":"positive","sentiment_score":0.6374289393424988},{"text":"Thank you.","start":742.45996,"end":743.2,"sentiment":"positive","sentiment_score":0.40449872612953186},{"text":"Oh, look.","start":743.91504,"end":744.23505,"sentiment":"neutral","sentiment_score":0.26403116434812546},{"text":"I really appreciate I really appreciate that.","start":744.23505,"end":746.155,"sentiment":"positive","sentiment_score":0.5208265227930886}],"sentiment":"positive","sentiment_score":0.5060367873973317,"num_words":18,"start":733.74,"end":746.155},{"sentences":[{"text":"Thank you so much.","start":746.155,"end":746.875,"sentiment":"positive","sentiment_score":0.7203526347875595},{"text":"You have a lovely day.","start":746.875,"end":748.015,"sentiment":"positive","sentiment_score":0.801418912410736},{"text":"Thanks.","start":748.635,"end":749.135,"sentiment":"positive","sentiment_score":0.7526899576187134},{"text":"See you.","start":749.995,"end":750.73505,"sentiment":"positive","sentiment_score":0.34730473160743713},{"text":"I will for sure.","start":750.875,"end":752.015,"sentiment":"positive","sentiment_score":0.4744444787502289}],"sentiment":"positive","sentiment_score":0.6395989023149014,"num_words":16,"start":746.155,"end":752.015},{"sentences":[{"text":"Thank you.","start":752.075,"end":752.555,"sentiment":"positive","sentiment_score":0.6554825603961945},{"text":"You too.","start":752.555,"end":752.875,"sentiment":"positive","sentiment_score":0.3735458105802536},{"text":"Bye bye.","start":752.875,"end":753.61505,"sentiment":"neutral","sentiment_score":0.2387896180152893}],"sentiment":"positive","sentiment_score":0.4226059963305791,"num_words":6,"start":752.075,"end":753.61505}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Hello. This is Dana.\n\nChannel 1: Hi, Dana. It's Maddie. I've got Cath Woods on the phone if you have a moment to chat with her.\n\nChannel 0: Yeah. No worries. Sorry. I just went into my dog. I just came back from\n\nChannel 1: No.\n\nChannel 0: the bathroom. I do apologize.\n\nChannel 1: No. That's\n\nChannel 0: Just gonna\n\nChannel 1: alright.\n\nChannel 0: put my earphones in real quick. Can you hear me okay?\n\nChannel 1: Yep. I can hear you okay.\n\nChannel 0: Perfect.\n\nChannel 1: I\n\nChannel 0: Did you say she got the email back at all or anything like that?\n\nChannel 1: yes. Yes. She said that she received your email back. Beautiful.\n\nChannel 0: Yeah. Cool.\n\nChannel 1: I passed\n\nChannel 0: Alright.\n\nChannel 1: her through security. I've also passed Paul. Like, she's an ATPA, so I got his details as well. He's not there.\n\nChannel 0: Yeah.\n\nChannel 1: Just to let you know.\n\nChannel 0: Yeah. That's okay. No problem at all. I'll send that through. Thank you.\n\nChannel 1: Beautiful. You've got her in 03/21.\n\nChannel 0: Oh, hi, Katina. How are you?\n\nChannel 1: How are you? I'm so sorry. This sort of\n\nChannel 0: No.\n\nChannel 1: we're in a bit of a slap\n\nChannel 0: You're\n\nChannel 1: at\n\nChannel 0: fine.\n\nChannel 1: the moment.\n\nChannel 0: No.\n\nChannel 1: Thanks.\n\nChannel 0: Absolutely. I completely understand. I'm so sorry. Thank you so much for your email, and I sent you the reply back. Did you happen\n\nChannel 1: Yep.\n\nChannel 0: to have\n\nChannel 1: No.\n\nChannel 0: a bit\n\nChannel 1: I've\n\nChannel 0: of\n\nChannel 1: got\n\nChannel 0: a read\n\nChannel 1: that.\n\nChannel 0: about it all?\n\nChannel 1: No. I've\n\nChannel 0: Yeah.\n\nChannel 1: read it all. That's perfect. I just wanna ask you a few little things. And I\n\nChannel 0: Absolutely.\n\nChannel 1: oh, firstly, Paul's gone till, I think, Sunday\n\nChannel 0: Yeah.\n\nChannel 1: night to say yes or tomorrow night to say yes, but he's leaning\n\nChannel 0: Yeah.\n\nChannel 1: towards saying yes. He's just down the back working. He asked if I could ring.\n\nChannel 0: Yeah.\n\nChannel 1: Is it feasible for him to call his payroll and sort of say, you know, could I have the next figure I'm going to get? I mean, that's\n\nChannel 0: Yeah.\n\nChannel 1: not an\n\nChannel 0: Absolutely.\n\nChannel 1: unreasonable thing, is\n\nChannel 0: No.\n\nChannel 1: it?\n\nChannel 0: No.\n\nChannel 1: Okay.\n\nChannel 0: Definitely not. Because, I mean, it's all gonna go through the payroll anyway, and that'll need to do up, like, a statement, provide all the information to the ACO for, like, end of financial year anyway. So\n\nChannel 1: Yes. Okay.\n\nChannel 0: it's absolutely feasible to get that information from them. Yeah. And they, look, they should be able to find a way to do it or at least tell him when he can get that access to that information.\n\nChannel 1: Okay.\n\nChannel 0: Yeah.\n\nChannel 1: Okay. Because if it's the funny thing is if he says yes and they choose him, which he thinks they will because there's only a few people putting for it, they will\n\nChannel 0: Yeah.\n\nChannel 1: he can't say no. So that's the funny thing. You know? It's it's a it's a bit but, also, he probably won't have to go until next January or next May. So\n\nChannel 0: Yeah.\n\nChannel 1: probably not working\n\nChannel 0: Okay.\n\nChannel 1: there. You know? He'll say, yes. You've got the redundancy, but you have to work until probably next May. So the figures are gonna be higher because he will have had another probably three weeks.\n\nBut anyway\n\nChannel 0: Yeah.\n\nChannel 1: so that's\n\nChannel 0: Makes\n\nChannel 1: good.\n\nChannel 0: sense.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Yeah. Absolutely.\n\nChannel 1: Yeah. Also, just one thing, if he puts because\n\nChannel 0: Yeah.\n\nChannel 1: he got the advice just from a friend\n\nChannel 0: Yeah.\n\nChannel 1: who's been through this, and he said put it in your wife's super. It's still gonna be taxed as normal, isn't it? Like, what's the because I only I\n\nChannel 0: Yes.\n\nChannel 1: have I only had 200 and something thousand dollar super, and I only usually use about 5 thou I only get about 5,000 a year. So that's why a person told you to put it in your wife. Does\n\nChannel 0: Yeah.\n\nChannel 1: that work\n\nChannel 0: Yeah.\n\nChannel 1: or\n\nChannel 0: Absolutely.\n\nChannel 1: not?\n\nChannel 0: It it can do. So there are some additional areas that we can look at to sort of provide. So he can just make, like, non concessional contributions to your super, which boosts your super. That's essentially not giving him any kind of tax deduction in any way. It's just putting, like, a large lump sum into\n\nChannel 1: Sure.\n\nChannel 0: your super that gets invested in your super fund, a 100% invested, and provides growth to you. There is other ways, like, depending on your income, there are other, like, spousal contributions\n\nChannel 1: Yep.\n\nChannel 0: that can be made\n\nChannel 1: I\n\nChannel 0: where\n\nChannel 1: think\n\nChannel 0: it can\n\nChannel 1: I earned\n\nChannel 0: provide\n\nChannel 1: too\n\nChannel 0: him\n\nChannel 1: much.\n\nChannel 0: with a small tax deduction, but it does look like I think last year, I had a\n\nChannel 1: Yeah.\n\nChannel 0: really good look at that. You were over the threshold to do\n\nChannel 1: I\n\nChannel 0: that.\n\nChannel 1: am. Because\n\nChannel 0: But\n\nChannel 1: only because I got an\n\nChannel 0: yeah.\n\nChannel 1: investment property. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. But now look, honestly, there are other ways to to utilize the money to put it into super that they don't really give you the same sort of tax advantage, but putting it into\n\nChannel 1: Sure.\n\nChannel 0: your super is a good thing as a nonconcessional contribution because while there's no tax deduction there, the current\n\nChannel 1: Yep.\n\nChannel 0: nonconcessional cap for the year is a 110 oh, sorry. A 120,000,\n\nChannel 1: Yes. I thought.\n\nChannel 0: or we can utilize this year's nonconcessional rule and the next two years, and we can put up to 360,000 into your super. And that money going in there gives you more super, is invested in your portfolio, and that compounds higher. So more money makes more money. So there are definitely ways to do that to boost your super and definitely things that we can do. My main sort of concern with putting it into super is because, like, Paul's only 56.\n\nSo when we put that money into super, you can't take it back out again until you reach 60 or meet a reservation condition\n\nChannel 1: That's\n\nChannel 0: of release.\n\nChannel 1: right.\n\nChannel 0: So\n\nChannel 1: Yeah. I\n\nChannel 0: I\n\nChannel 1: mean,\n\nChannel 0: just\n\nChannel 1: he's\n\nChannel 0: wanna\n\nChannel 1: planning\n\nChannel 0: make sure\n\nChannel 1: to go\n\nChannel 0: I'm\n\nChannel 1: back\n\nChannel 0: not gonna\n\nChannel 1: to\n\nChannel 0: leave you guys short.\n\nChannel 1: no. Sure.\n\nChannel 0: Yeah.\n\nChannel 1: He's planning to go\n\nChannel 0: Yeah.\n\nChannel 1: back to some sort of work anyway.\n\nChannel 0: Yep.\n\nChannel 1: You know what I mean? Like,\n\nChannel 0: Perfect.\n\nChannel 1: even if he get\n\nChannel 0: Absolutely.\n\nChannel 1: even if he gets this next yeah. He's planning to go. But also, lastly, so the reason for putting in my super not his, he can't lose over 500,000. Is that correct?\n\nChannel 0: Yep. He can't do it concessionally. So with the rule, it's called a carry forward rule,\n\nChannel 1: Yep.\n\nChannel 0: and he can utilize what left cap space. So, realistically, if this money doesn't come through until next financial year\n\nChannel 1: Yeah.\n\nChannel 0: and Paul doesn't work for a period of time, we could actually put some money in and try to use up some of that year's cap. But\n\nChannel 1: No.\n\nChannel 0: we\n\nChannel 1: He'll\n\nChannel 0: can't\n\nChannel 1: be working\n\nChannel 0: use\n\nChannel 1: right up to\n\nChannel 0: any\n\nChannel 1: that he gets it.\n\nChannel 0: okay. Because so\n\nChannel 1: Yeah.\n\nChannel 0: what what we can't utilize for him is the carry forward, which is essentially the last five years worth of confessional contributions. So what we tend to do to try\n\nChannel 1: Yeah.\n\nChannel 0: and provide a greater tax deduction scenario is we can do\n\nChannel 1: Yeah.\n\nChannel 0: what's called a deductible contribution where we can put money into super, but go past that $30,000 cap and utilize cap based on the previous five years. But\n\nChannel 1: Oh,\n\nChannel 0: to\n\nChannel 1: yes.\n\nChannel 0: do that, as of thirtieth\n\nChannel 1: He paid\n\nChannel 0: of June last year, his balance had to be under 500,000, and his balance\n\nChannel 1: Yes. He\n\nChannel 0: wasn't\n\nChannel 1: paid.\n\nChannel 0: then.\n\nChannel 1: Yes. Yes.\n\nChannel 0: So that yeah. So that unfortunately reduces that eligibility, which is the same, but there's\n\nChannel 1: So\n\nChannel 0: nothing\n\nChannel 1: just to\n\nChannel 0: to say\n\nChannel 1: get\n\nChannel 0: we\n\nChannel 1: it\n\nChannel 0: can't\n\nChannel 1: clear\n\nChannel 0: do that for you.\n\nChannel 1: yeah.\n\nChannel 0: Yeah.\n\nChannel 1: To just get it clear, just so I can tell him. So, basically, the reason if if say he just still said, oh, I wanna put it all in his super, which he doesn't. I just wanted to get this clear. He what\n\nChannel 0: Sure.\n\nChannel 1: tax\n\nChannel 0: Yep.\n\nChannel 1: would he have to pay if he put it all in his super? Because he already he's up to the $30,000 most years of of concessional con of whatever, c g, whatever. And he's also\n\nChannel 0: Yes.\n\nChannel 1: over the 500,000. So say he just dumped it in his. What tax would\n\nChannel 0: Yes.\n\nChannel 1: he pay on that?\n\nChannel 0: If he dumped it all in and made it concessional, he would\n\nChannel 1: Yep.\n\nChannel 0: have to pay tax at the highest marginal tax rate with a 15% offset for the tax that's already been deducted.\n\nChannel 1: That's\n\nChannel 0: So\n\nChannel 1: what I thought.\n\nChannel 0: they\n\nChannel 1: So\n\nChannel 0: look\n\nChannel 1: if\n\nChannel 0: at\n\nChannel 1: he\n\nChannel 0: the\n\nChannel 1: puts\n\nChannel 0: 40\n\nChannel 1: it in\n\nChannel 0: 40\n\nChannel 1: yes.\n\nChannel 0: 7%. Yeah.\n\nChannel 1: I get it. But\n\nChannel 0: Yeah.\n\nChannel 1: if he puts it in mine,\n\nChannel 0: Yeah.\n\nChannel 1: because\n\nChannel 0: Yeah.\n\nChannel 1: I haven't used my brought forward rule or whatever it's called or the\n\nChannel 0: Yep.\n\nChannel 1: what's it called? Yeah. What tax\n\nChannel 0: The\n\nChannel 1: will\n\nChannel 0: the\n\nChannel 1: he\n\nChannel 0: carry\n\nChannel 1: pay\n\nChannel 0: forward rule.\n\nChannel 1: carry forward. What what tax will he pay to go into mine?\n\nChannel 0: So with yours, just some your balance is a lot lower. You're under that\n\nChannel 1: That's\n\nChannel 0: $500,000\n\nChannel 1: two hundred and fifty.\n\nChannel 0: mark at the moment,\n\nChannel 1: Yeah.\n\nChannel 0: aren't you? Yeah.\n\nChannel 1: 200\n\nChannel 0: So\n\nChannel 1: we've\n\nChannel 0: with\n\nChannel 1: borrowed\n\nChannel 0: yours,\n\nChannel 1: that two\n\nChannel 0: it wouldn't\n\nChannel 1: 50.\n\nChannel 0: give him yeah. So putting it in your suit and you utilizing the carry forward rule actually doesn't give him any tax benefit. It does\n\nChannel 1: No.\n\nChannel 0: give you a tax benefit, though. So we would be able to utilize put more money into your super. The amount you put in is taken as a tax deduction and has helped to lower your overall tax, like, your taxable income, but it would give you that benefit.\n\nChannel 1: But, look, we don't pay because I'm under the 500 and I haven't utilized I can use the carry forward rule. I wouldn't have to pay\n\nChannel 0: Yep.\n\nChannel 1: even any tax on it like he would have to. Is that correct?\n\nChannel 0: Well, the money inside super whenever money's put inside super, there's always tax on that. It's 15% tax inside\n\nChannel 1: He said\n\nChannel 0: the super system. But\n\nChannel 1: that's\n\nChannel 0: if we\n\nChannel 1: right.\n\nChannel 0: put the money into your super fund and utilize the carry forward rule from the previous\n\nChannel 1: Yep.\n\nChannel 0: years, you\n\nChannel 1: Yep.\n\nChannel 0: don't it doesn't really make more tax for you. It actually gives you a tax deduction. So as an\n\nChannel 1: Wrong.\n\nChannel 0: example, if you were to put 20,000 into your super, so long\n\nChannel 1: Yes.\n\nChannel 0: as your balance was under 500,000 as of June last year,\n\nChannel 1: Yep.\n\nChannel 0: that we claim a notice of intent against that. Inside\n\nChannel 1: Yep.\n\nChannel 0: super, your super fund takes 15% tax out of that 20,000. That essentially\n\nChannel 1: Yep.\n\nChannel 0: leaves you with 17 sorry. 17\n\nChannel 1: Oh,\n\nChannel 0: thousand\n\nChannel 1: yes.\n\nChannel 0: invested.\n\nChannel 1: Yes.\n\nChannel 0: And that 20,000, you can then take that back to your accountant, and they add that to your as a deduction onto\n\nChannel 1: Yes. Oh, I know\n\nChannel 0: your\n\nChannel 1: what\n\nChannel 0: tap\n\nChannel 1: you're\n\nChannel 0: returns.\n\nChannel 1: saying. I yep.\n\nChannel 0: And it reduces\n\nChannel 1: I totally\n\nChannel 0: your\n\nChannel 1: understand\n\nChannel 0: taxable\n\nChannel 1: it.\n\nChannel 0: it's your income. Yeah. Yeah.\n\nChannel 1: Yep. Excellent. No. I do understand now. Thank\n\nChannel 0: Yeah.\n\nChannel 1: you.\n\nChannel 0: That's\n\nChannel 1: Lastly,\n\nChannel 0: okay.\n\nChannel 1: if worst case scenario, we're thinking of selling Russell Vale, we\n\nChannel 0: Sure.\n\nChannel 1: got an offer\n\nChannel 0: Yes.\n\nChannel 1: on it. If we go ahead\n\nChannel 0: Yes.\n\nChannel 1: with it and sell it, we're going\n\nChannel 0: Yep.\n\nChannel 1: to have about probably, I don't know, roughly a million dollars. So we're gonna have to utilize my carry forward rule for that, and that'll happen beforehand.\n\nChannel 0: Yes.\n\nChannel 1: So if worst comes to\n\nChannel 0: Yes.\n\nChannel 1: worst, all we've got to do is pull redundancy. We'll just invest through you guys through another\n\nChannel 0: Yes.\n\nChannel 1: sort of little portfolio,\n\nChannel 0: Yes.\n\nChannel 1: whatever you wanna call it. Is that correct?\n\nChannel 0: We can absolutely do that. We have lots of different investment structures that are not inside super, some which have to manage, some which are not so, some which are more\n\nChannel 1: Yep.\n\nChannel 0: long\n\nChannel 1: Okay.\n\nChannel 0: term investing, some are shorter term investing options. We can\n\nChannel 1: Yep.\n\nChannel 0: help you with the term deposits and whatever you want. So, yeah, look, if\n\nChannel 1: Okay.\n\nChannel 0: when and if you guys are ready, you know, how much you're expecting to have after it all, let me\n\nChannel 1: Yep.\n\nChannel 0: know. I'll have a really good chat with the both of you, look at your goals, look at how you want that invested, what you need to live on, what your circumstances look like, and we can generate a nice big advice document and sort of really look at what to do with that money.\n\nChannel 1: Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Okay. Excellent. No. That's okay. So and just sorry.\n\nChannel 0: Yeah. That's\n\nChannel 1: Sorry.\n\nChannel 0: alright.\n\nChannel 1: Just sort of one thing. I think\n\nChannel 0: Yeah.\n\nChannel 1: the person's\n\nChannel 0: It's just\n\nChannel 1: going to exchange if we agree before June\n\nChannel 0: Yes.\n\nChannel 1: '30, but they're not going to settle until after the financial year, of course. So that means when we have to pay tax on the when we have to pay capital gains tax knowing that they exchanged\n\nChannel 0: Yeah.\n\nChannel 1: in twenty fifth\n\nChannel 0: Yeah.\n\nChannel 1: like, fifth '20\n\nChannel 0: Mhmm.\n\nChannel 1: 05/26, but won't settle until 2627. How does that\n\nChannel 0: Yeah. So, realistically,\n\nChannel 1: all\n\nChannel 0: the contract date\n\nChannel 1: work?\n\nChannel 0: when the contract is signed and exchanged, that is when the CDP event is is goes into play.\n\nChannel 1: Okay. Yep. Alright. No. That's interesting.\n\nChannel 0: Yeah.\n\nChannel 1: That's alright. So if we waited one more day afterwards, we're better off, aren't we? Because we don't have to pay the CGT\n\nChannel 0: Yeah.\n\nChannel 1: until yeah.\n\nChannel 0: Yes.\n\nChannel 1: Okay.\n\nChannel 0: If you can hold up until the new financial year, that might work out more of a benefit. Yeah.\n\nChannel 1: Yeah. Right. No. That's good to know. That's good to know.\n\nAlright. Well, thank you so much, Dana. I'm sorry\n\nChannel 0: Oh,\n\nChannel 1: that\n\nChannel 0: that's\n\nChannel 1: thank you\n\nChannel 0: no.\n\nChannel 1: for fitting me in.\n\nChannel 0: That's okay. Not a problem at all. I always try to make time for you know, if you need something, please let\n\nChannel 1: Thank\n\nChannel 0: me\n\nChannel 1: you.\n\nChannel 0: know. I'm always here. I will always try to help. I wanted to make as much of that email as as clear as possible, but it\n\nChannel 1: That\n\nChannel 0: was\n\nChannel 1: was\n\nChannel 0: just\n\nChannel 1: perfect.\n\nChannel 0: there was so many variables. I'm so sorry.\n\nChannel 1: I know. And I didn't give it a lot because they haven't given us a lot. Do you know what I mean?\n\nChannel 0: Yeah. No. That's yeah. And that was the thing. It was all like, this is the quote.\n\nThis could change. No. They're\n\nChannel 1: Yeah.\n\nChannel 0: not\n\nChannel 1: I\n\nChannel 0: really giving\n\nChannel 1: think\n\nChannel 0: you\n\nChannel 1: it\n\nChannel 0: a great deal of information, but yeah.\n\nChannel 1: no. I mean, nothing will change in the weeks than that. It'll just get\n\nChannel 0: Yeah.\n\nChannel 1: more depending on what time they leave and whether like, when Paul actually leaves the business, it might be in twelve months or\n\nChannel 0: Yeah.\n\nChannel 1: nine months. But also,\n\nChannel 0: Yeah.\n\nChannel 1: that's not also that hasn't included his annual leave that's left or anything like that. That's just the so there'll be more\n\nChannel 0: Yeah.\n\nChannel 1: on top of that\n\nChannel 0: So that\n\nChannel 1: too.\n\nChannel 0: could\n\nChannel 1: So\n\nChannel 0: be\n\nChannel 1: I\n\nChannel 0: higher.\n\nChannel 1: know\n\nChannel 0: Yeah.\n\nChannel 1: yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Anyway, thank\n\nChannel 0: Yeah.\n\nChannel 1: you so much. Well,\n\nChannel 0: No. That's\n\nChannel 1: we'll probably\n\nChannel 0: okay.\n\nChannel 1: have our annual checkup soon, I suppose, in the next few months.\n\nChannel 0: Yes. Absolutely.\n\nChannel 1: Yep.\n\nChannel 0: Absolutely.\n\nChannel 1: Alright.\n\nChannel 0: I'll even maybe get Samantha to try and book it in for you a bit earlier.\n\nChannel 1: Awesome.\n\nChannel 0: We might just look at it in July. That way we can talk about where you're going and maybe incorporate\n\nChannel 1: Great.\n\nChannel 0: any changes\n\nChannel 1: I'll do\n\nChannel 0: that are occurring then and see if we can do a really big advice document\n\nChannel 1: it.\n\nChannel 0: for the both of\n\nChannel 1: Perfect.\n\nChannel 0: you and have a look at everything. Does that sound\n\nChannel 1: Oh,\n\nChannel 0: okay\n\nChannel 1: that\n\nChannel 0: if\n\nChannel 1: sounds\n\nChannel 0: we go\n\nChannel 1: great.\n\nChannel 0: kinda mid to late July? Yeah?\n\nChannel 1: Yep. That sounds great. Thank you so much.\n\nChannel 0: Oh, that's okay. If you guys have any other questions or need anything, don't ever hesitate. Give me a call at any time. I will always\n\nChannel 1: Thank\n\nChannel 0: make\n\nChannel 1: you.\n\nChannel 0: time to fit you in. Okay?\n\nChannel 1: Oh, look. I really appreciate I really appreciate that. Thank you so\n\nChannel 0: That's\n\nChannel 1: much.\n\nChannel 0: okay.\n\nChannel 1: You have a lovely day. Thanks.\n\nChannel 0: You too. And say hi to\n\nChannel 1: See\n\nChannel 0: Paul.\n\nChannel 1: you.\n\nChannel 0: Have a great\n\nChannel 1: I will\n\nChannel 0: day.\n\nChannel 1: for sure. Thank you. You too. Bye bye.\n\nChannel 0: Thanks. Thanks, Kath. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.24,"end":0.48,"sentiment":"neutral","sentiment_score":0.03892488032579422},{"text":"This is Dana.","start":0.48,"end":1.38,"sentiment":"neutral","sentiment_score":0.03698446353276571}],"sentiment":"neutral","sentiment_score":0.037469567731022835,"channel":0,"num_words":4,"start":0.24,"end":1.38},{"sentences":[{"text":"Hi, Dana.","start":1.92,"end":2.56,"sentiment":"neutral","sentiment_score":0.07912826538085938},{"text":"It's Maddie.","start":2.56,"end":3.36,"sentiment":"neutral","sentiment_score":0.08260074257850647},{"text":"I've got Cath Woods on the phone if you have a moment to chat with her.","start":3.36,"end":6.8199997,"sentiment":"neutral","sentiment_score":0.07972448086366057}],"sentiment":"neutral","sentiment_score":0.07995248548686504,"channel":1,"num_words":20,"start":1.92,"end":6.8199997},{"sentences":[{"text":"Yeah.","start":6.8799996,"end":7.2799997,"sentiment":"neutral","sentiment_score":0.04852839931845665},{"text":"No worries.","start":7.2799997,"end":7.7599998,"sentiment":"neutral","sentiment_score":0.04316182807087898},{"text":"Sorry.","start":7.7599998,"end":7.9199996,"sentiment":"neutral","sentiment_score":-0.027569204568862915},{"text":"I just went into my dog.","start":7.9199996,"end":8.88,"sentiment":"neutral","sentiment_score":-0.09135610486070316},{"text":"I just came back from","start":8.88,"end":9.679999,"sentiment":"neutral","sentiment_score":-0.0924338936805725}],"sentiment":"neutral","sentiment_score":-0.060201549778381984,"channel":0,"num_words":15,"start":6.8799996,"end":9.679999},{"sentences":[{"text":"No.","start":9.679999,"end":10.179999,"sentiment":"neutral","sentiment_score":-0.1455223560333252}],"sentiment":"neutral","sentiment_score":-0.1455223560333252,"channel":1,"num_words":1,"start":9.679999,"end":10.179999},{"sentences":[{"text":"the bathroom.","start":9.679999,"end":10.16,"sentiment":"neutral","sentiment_score":-0.11091994121670723},{"text":"I do apologize.","start":10.16,"end":10.9,"sentiment":"neutral","sentiment_score":-0.09883226454257965}],"sentiment":"neutral","sentiment_score":-0.10366733521223068,"channel":0,"num_words":5,"start":9.679999,"end":10.9},{"sentences":[{"text":"No.","start":11.44,"end":11.679999,"sentiment":"neutral","sentiment_score":-0.04976661875844002},{"text":"That's","start":11.679999,"end":12.0,"sentiment":"neutral","sentiment_score":-0.031974680721759796}],"sentiment":"neutral","sentiment_score":-0.04087064974009991,"channel":1,"num_words":2,"start":11.44,"end":12.0},{"sentences":[{"text":"Just gonna","start":11.759999,"end":12.24,"sentiment":"neutral","sentiment_score":-0.0221813740208745}],"sentiment":"neutral","sentiment_score":-0.0221813740208745,"channel":0,"num_words":2,"start":11.759999,"end":12.24},{"sentences":[{"text":"alright.","start":12.0,"end":12.5,"sentiment":"neutral","sentiment_score":0.010928863659501076}],"sentiment":"neutral","sentiment_score":0.010928863659501076,"channel":1,"num_words":1,"start":12.0,"end":12.5},{"sentences":[{"text":"put my earphones in real quick.","start":12.24,"end":14.34,"sentiment":"neutral","sentiment_score":0.00022285819674531623},{"text":"Can you hear me okay?","start":18.785,"end":20.005,"sentiment":"neutral","sentiment_score":0.006659198924899102}],"sentiment":"neutral","sentiment_score":0.0031484676186334004,"channel":0,"num_words":11,"start":12.24,"end":20.005},{"sentences":[{"text":"Yep.","start":20.595,"end":20.915,"sentiment":"neutral","sentiment_score":0.026114527136087418},{"text":"I can hear you okay.","start":20.915,"end":22.055,"sentiment":"neutral","sentiment_score":0.05295961275696755}],"sentiment":"neutral","sentiment_score":0.04848543182015419,"channel":1,"num_words":6,"start":20.595,"end":22.055},{"sentences":[{"text":"Perfect.","start":22.545,"end":23.045,"sentiment":"neutral","sentiment_score":0.29513412714004517}],"sentiment":"neutral","sentiment_score":0.29513412714004517,"channel":0,"num_words":1,"start":22.545,"end":23.045},{"sentences":[{"text":"I","start":22.675,"end":23.175,"sentiment":"neutral","sentiment_score":0.09564042091369628}],"sentiment":"neutral","sentiment_score":0.09564042091369628,"channel":1,"num_words":1,"start":22.675,"end":23.175},{"sentences":[{"text":"Did you say she got the email back at all or anything like that?","start":23.185,"end":26.564999,"sentiment":"neutral","sentiment_score":0.04116330003099782}],"sentiment":"neutral","sentiment_score":0.04116330003099782,"channel":0,"num_words":14,"start":23.185,"end":26.564999},{"sentences":[{"text":"yes.","start":26.29,"end":26.77,"sentiment":"neutral","sentiment_score":0.04082659259438515},{"text":"Yes.","start":26.77,"end":27.17,"sentiment":"neutral","sentiment_score":0.06175883859395981},{"text":"She said that she received your email back.","start":27.17,"end":29.01,"sentiment":"neutral","sentiment_score":0.10063006356358528},{"text":"Beautiful.","start":29.01,"end":29.51,"sentiment":"positive","sentiment_score":0.42358770966529846}],"sentiment":"neutral","sentiment_score":0.12101942266930234,"channel":1,"num_words":11,"start":26.29,"end":29.51},{"sentences":[{"text":"Yeah.","start":29.84,"end":30.34,"sentiment":"neutral","sentiment_score":0.25425243377685547},{"text":"Cool.","start":30.560001,"end":31.060001,"sentiment":"neutral","sentiment_score":0.2835017144680023}],"sentiment":"neutral","sentiment_score":0.2688770741224289,"channel":0,"num_words":2,"start":29.84,"end":31.060001},{"sentences":[{"text":"I passed","start":32.29,"end":32.690002,"sentiment":"neutral","sentiment_score":0.1361798197031021}],"sentiment":"neutral","sentiment_score":0.1361798197031021,"channel":1,"num_words":2,"start":32.29,"end":32.690002},{"sentences":[{"text":"Alright.","start":32.48,"end":32.98,"sentiment":"neutral","sentiment_score":0.0856250450015068}],"sentiment":"neutral","sentiment_score":0.0856250450015068,"channel":0,"num_words":1,"start":32.48,"end":32.98},{"sentences":[{"text":"her through security.","start":32.690002,"end":33.75,"sentiment":"neutral","sentiment_score":0.05338706697026888},{"text":"I've also passed Paul.","start":33.81,"end":35.010002,"sentiment":"neutral","sentiment_score":0.05279769655317068},{"text":"Like, she's an ATPA, so I got his details as well.","start":35.010002,"end":37.81,"sentiment":"neutral","sentiment_score":0.05920239131559025},{"text":"He's not there.","start":37.81,"end":38.71,"sentiment":"neutral","sentiment_score":-0.020757423403362434}],"sentiment":"neutral","sentiment_score":0.04572885816118547,"channel":1,"num_words":21,"start":32.690002,"end":38.71},{"sentences":[{"text":"Yeah.","start":39.36,"end":39.86,"sentiment":"neutral","sentiment_score":0.034721724689006805}],"sentiment":"neutral","sentiment_score":0.034721724689006805,"channel":0,"num_words":1,"start":39.36,"end":39.86},{"sentences":[{"text":"Just to let you know.","start":40.005,"end":40.985,"sentiment":"neutral","sentiment_score":0.036830895394086835}],"sentiment":"neutral","sentiment_score":0.036830895394086835,"channel":1,"num_words":5,"start":40.005,"end":40.985},{"sentences":[{"text":"Yeah.","start":41.274998,"end":41.594997,"sentiment":"neutral","sentiment_score":0.08690732717514038},{"text":"That's okay.","start":41.594997,"end":42.155,"sentiment":"neutral","sentiment_score":0.14680208265781403},{"text":"No problem at all.","start":42.155,"end":42.915,"sentiment":"neutral","sentiment_score":0.1893044114112854},{"text":"I'll send that through.","start":42.915,"end":43.914997,"sentiment":"neutral","sentiment_score":0.20115598663687706},{"text":"Thank you.","start":43.914997,"end":44.655,"sentiment":"positive","sentiment_score":0.4353554844856262}],"sentiment":"neutral","sentiment_score":0.21638954258882082,"channel":0,"num_words":13,"start":41.274998,"end":44.655},{"sentences":[{"text":"Beautiful.","start":44.885002,"end":45.285,"sentiment":"positive","sentiment_score":0.439470112323761},{"text":"You've got her in 03/21.","start":45.285,"end":46.985,"sentiment":"neutral","sentiment_score":0.18898694217205048}],"sentiment":"neutral","sentiment_score":0.23073413719733557,"channel":1,"num_words":6,"start":44.885002,"end":46.985},{"sentences":[{"text":"Oh, hi, Katina.","start":48.555,"end":49.515,"sentiment":"neutral","sentiment_score":0.09781897068023682},{"text":"How are 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sound","start":730.065,"end":730.625,"sentiment":"neutral","sentiment_score":0.10510064413150151}],"sentiment":"neutral","sentiment_score":0.183382236212492,"channel":0,"num_words":10,"start":728.78503,"end":730.625},{"sentences":[{"text":"Oh,","start":730.54,"end":730.7,"sentiment":"neutral","sentiment_score":0.18634580075740817}],"sentiment":"neutral","sentiment_score":0.18634580075740817,"channel":1,"num_words":1,"start":730.54,"end":730.7},{"sentences":[{"text":"okay","start":730.625,"end":730.865,"sentiment":"neutral","sentiment_score":0.21733708679676056}],"sentiment":"neutral","sentiment_score":0.21733708679676056,"channel":0,"num_words":1,"start":730.625,"end":730.865},{"sentences":[{"text":"that","start":730.7,"end":730.94,"sentiment":"neutral","sentiment_score":0.2539820075035095}],"sentiment":"neutral","sentiment_score":0.2539820075035095,"channel":1,"num_words":1,"start":730.7,"end":730.94},{"sentences":[{"text":"if","start":730.865,"end":731.025,"sentiment":"neutral","sentiment_score":0.215276762843132}],"sentiment":"neutral","sentiment_score":0.215276762843132,"channel":0,"num_words":1,"start":730.865,"end":731.025},{"sentences":[{"text":"sounds","start":730.94,"end":731.33997,"sentiment":"neutral","sentiment_score":0.1960538774728775}],"sentiment":"neutral","sentiment_score":0.1960538774728775,"channel":1,"num_words":1,"start":730.94,"end":731.33997},{"sentences":[{"text":"we go","start":731.025,"end":731.34503,"sentiment":"neutral","sentiment_score":0.2658441886305809}],"sentiment":"neutral","sentiment_score":0.2658441886305809,"channel":0,"num_words":2,"start":731.025,"end":731.34503},{"sentences":[{"text":"great.","start":731.33997,"end":731.83997,"sentiment":"neutral","sentiment_score":0.32187068462371826}],"sentiment":"neutral","sentiment_score":0.32187068462371826,"channel":1,"num_words":1,"start":731.33997,"end":731.83997},{"sentences":[{"text":"kinda mid to late July?","start":731.34503,"end":732.645,"sentiment":"neutral","sentiment_score":0.09845692068338394},{"text":"Yeah?","start":732.78503,"end":733.28503,"sentiment":"neutral","sentiment_score":0.101885586977005}],"sentiment":"neutral","sentiment_score":0.09902836506565411,"channel":0,"num_words":6,"start":731.34503,"end":733.28503},{"sentences":[{"text":"Yep.","start":733.33997,"end":733.74,"sentiment":"neutral","sentiment_score":0.2230762094259262},{"text":"That sounds great.","start":733.74,"end":734.62,"sentiment":"positive","sentiment_score":0.5253669917583466},{"text":"Thank you so much.","start":734.62,"end":735.76,"sentiment":"positive","sentiment_score":0.6374289393424988}],"sentiment":"positive","sentiment_score":0.5436116177588701,"channel":1,"num_words":8,"start":733.33997,"end":735.76},{"sentences":[{"text":"Oh, that's okay.","start":736.19,"end":736.99,"sentiment":"neutral","sentiment_score":0.26261581977208454},{"text":"If you guys have any other questions or need anything, don't ever hesitate.","start":736.99,"end":740.45,"sentiment":"neutral","sentiment_score":0.23722486541821405},{"text":"Give me a call at any time.","start":740.51,"end":741.95,"sentiment":"neutral","sentiment_score":0.22647222237927572},{"text":"I will always","start":741.95,"end":742.59,"sentiment":"neutral","sentiment_score":0.30170372128486633}],"sentiment":"neutral","sentiment_score":0.2446995165485602,"channel":0,"num_words":26,"start":736.19,"end":742.59},{"sentences":[{"text":"Thank","start":742.45996,"end":742.7,"sentiment":"positive","sentiment_score":0.4412686228752136}],"sentiment":"positive","sentiment_score":0.4412686228752136,"channel":1,"num_words":1,"start":742.45996,"end":742.7},{"sentences":[{"text":"make","start":742.59,"end":742.75,"sentiment":"positive","sentiment_score":0.4583636522293091}],"sentiment":"positive","sentiment_score":0.4583636522293091,"channel":0,"num_words":1,"start":742.59,"end":742.75},{"sentences":[{"text":"you.","start":742.7,"end":743.2,"sentiment":"positive","sentiment_score":0.3677288293838501}],"sentiment":"positive","sentiment_score":0.3677288293838501,"channel":1,"num_words":1,"start":742.7,"end":743.2},{"sentences":[{"text":"time to fit you in.","start":742.75,"end":743.87,"sentiment":"neutral","sentiment_score":0.21510465145111085},{"text":"Okay?","start":743.87,"end":744.37,"sentiment":"neutral","sentiment_score":0.15509134531021118}],"sentiment":"neutral","sentiment_score":0.2051024337609609,"channel":0,"num_words":6,"start":742.75,"end":744.37},{"sentences":[{"text":"Oh, look.","start":743.91504,"end":744.23505,"sentiment":"neutral","sentiment_score":0.26403116434812546},{"text":"I really appreciate I really appreciate that.","start":744.23505,"end":746.155,"sentiment":"positive","sentiment_score":0.5208265227930886},{"text":"Thank you so","start":746.155,"end":746.715,"sentiment":"positive","sentiment_score":0.7441229621569315}],"sentiment":"positive","sentiment_score":0.5338514062265555,"channel":1,"num_words":12,"start":743.91504,"end":746.715},{"sentences":[{"text":"That's","start":746.6129,"end":746.8529,"sentiment":"positive","sentiment_score":0.5722969174385071}],"sentiment":"positive","sentiment_score":0.5722969174385071,"channel":0,"num_words":1,"start":746.6129,"end":746.8529},{"sentences":[{"text":"much.","start":746.715,"end":746.875,"sentiment":"positive","sentiment_score":0.6490416526794434}],"sentiment":"positive","sentiment_score":0.6490416526794434,"channel":1,"num_words":1,"start":746.715,"end":746.875},{"sentences":[{"text":"okay.","start":746.8529,"end":747.3529,"sentiment":"positive","sentiment_score":0.5840088725090027}],"sentiment":"positive","sentiment_score":0.5840088725090027,"channel":0,"num_words":1,"start":746.8529,"end":747.3529},{"sentences":[{"text":"You have a lovely day.","start":746.875,"end":748.015,"sentiment":"positive","sentiment_score":0.801418912410736},{"text":"Thanks.","start":748.635,"end":749.135,"sentiment":"positive","sentiment_score":0.7526899576187134}],"sentiment":"positive","sentiment_score":0.7932974199453989,"channel":1,"num_words":6,"start":746.875,"end":749.135},{"sentences":[{"text":"You too.","start":748.69293,"end":749.33295,"sentiment":"positive","sentiment_score":0.509377509355545},{"text":"And say hi to","start":749.33295,"end":750.13293,"sentiment":"positive","sentiment_score":0.37351926416158676}],"sentiment":"positive","sentiment_score":0.4188053458929062,"channel":0,"num_words":6,"start":748.69293,"end":750.13293},{"sentences":[{"text":"See","start":749.995,"end":750.23505,"sentiment":"positive","sentiment_score":0.34039121866226196}],"sentiment":"positive","sentiment_score":0.34039121866226196,"channel":1,"num_words":1,"start":749.995,"end":750.23505},{"sentences":[{"text":"Paul.","start":750.13293,"end":750.5329,"sentiment":"neutral","sentiment_score":0.2864055037498474}],"sentiment":"neutral","sentiment_score":0.2864055037498474,"channel":0,"num_words":1,"start":750.13293,"end":750.5329},{"sentences":[{"text":"you.","start":750.23505,"end":750.73505,"sentiment":"positive","sentiment_score":0.3542182445526123}],"sentiment":"positive","sentiment_score":0.3542182445526123,"channel":1,"num_words":1,"start":750.23505,"end":750.73505},{"sentences":[{"text":"Have a great","start":750.5329,"end":751.1729,"sentiment":"positive","sentiment_score":0.6398931940396627}],"sentiment":"positive","sentiment_score":0.6398931940396627,"channel":0,"num_words":3,"start":750.5329,"end":751.1729},{"sentences":[{"text":"I will","start":750.875,"end":751.275,"sentiment":"positive","sentiment_score":0.5843545496463776}],"sentiment":"positive","sentiment_score":0.5843545496463776,"channel":1,"num_words":2,"start":750.875,"end":751.275},{"sentences":[{"text":"day.","start":751.1729,"end":751.6729,"sentiment":"positive","sentiment_score":0.4905164241790771}],"sentiment":"positive","sentiment_score":0.4905164241790771,"channel":0,"num_words":1,"start":751.1729,"end":751.6729},{"sentences":[{"text":"for sure.","start":751.275,"end":752.015,"sentiment":"positive","sentiment_score":0.3645344078540802},{"text":"Thank you.","start":752.075,"end":752.555,"sentiment":"positive","sentiment_score":0.6554825603961945},{"text":"You too.","start":752.555,"end":752.875,"sentiment":"positive","sentiment_score":0.3735458105802536},{"text":"Bye bye.","start":752.875,"end":753.61505,"sentiment":"neutral","sentiment_score":0.2387896180152893}],"sentiment":"positive","sentiment_score":0.4080880992114544,"channel":1,"num_words":8,"start":751.275,"end":753.61505},{"sentences":[{"text":"Thanks.","start":753.33295,"end":753.83295,"sentiment":"positive","sentiment_score":0.6086861491203308},{"text":"Thanks, Kath.","start":754.13293,"end":754.77295,"sentiment":"positive","sentiment_score":0.6436991691589355},{"text":"Bye.","start":754.77295,"end":755.27295,"sentiment":"neutral","sentiment_score":-0.11873824894428252}],"sentiment":"positive","sentiment_score":0.44433655962347984,"channel":0,"num_words":4,"start":753.33295,"end":755.27295}]},"summary":{"result":"success","short":"Maddie discusses the possibility of increasing tax deduction on a nonconcessional contribution to a super fund and suggests ways to use the funds to put it into Sure, including spousal contributions. The speaker emphasizes the importance of avoiding tax deductions and the need to prepare for sales and avoid paying taxes until the new financial year. They also mention the process of transferring contracts and the possibility of a checkup in July. The speaker offers advice and assistance with any questions."},"intents":{"segments":[{"text":"I've got Cath Woods on the phone if you have a moment to chat with her. Yeah.","start_word":8,"end_word":24,"intents":[{"intent":"Contact cath woods","confidence_score":0.0888437}]},{"text":"I Did you say she got the email back at all or anything like that? yes.","start_word":68,"end_word":83,"intents":[{"intent":"Send email back","confidence_score":0.042997483}]},{"text":"I just wanna ask you a few little things. And I Absolutely.","start_word":222,"end_word":233,"intents":[{"intent":"Ask questions","confidence_score":0.23194432}]},{"text":"Is it feasible for him to call his payroll and sort of say, you know, could I have the next figure I'm going to get?","start_word":273,"end_word":297,"intents":[{"intent":"Schedule next step","confidence_score":0.0042523365}]},{"text":"Because, I mean, it's all gonna go through the payroll anyway, and that'll need to do up, like, a statement, provide all the information to the ACO for, like, end of financial year anyway. So Yes.","start_word":314,"end_word":349,"intents":[{"intent":"Provide payroll information","confidence_score":0.44006854}]},{"text":"he can't say no. So that's the funny thing. You know? It's it's a it's a bit but, also, he probably won't have to go until next January or next May. So Yeah.","start_word":424,"end_word":456,"intents":[{"intent":"Clarify misunderstanding","confidence_score":0.0031249658}]},{"text":"It's still gonna be taxed as normal, isn't it?","start_word":540,"end_word":548,"intents":[{"intent":"Refine tax information","confidence_score":1.3874134e-7}]},{"text":"So there are some additional areas that we can look at to sort of provide.","start_word":607,"end_word":621,"intents":[{"intent":"Discuss options","confidence_score":0.0006128599}]},{"text":"So he can just make, like, non concessional contributions to your super, which boosts your super. That's essentially not giving him any kind of tax deduction in any way. It's just putting, like, a large lump sum into Sure.","start_word":623,"end_word":661,"intents":[{"intent":"Make contributions","confidence_score":0.41596502}]},{"text":"So he can just make, like, non concessional contributions to your super, which boosts your super. That's essentially not giving him any kind of tax deduction in any way. It's just putting, like, a large lump sum into Sure. your super that gets invested in your super fund, a 100% invested, and provides growth to you.","start_word":623,"end_word":678,"intents":[{"intent":"Increase super super funds","confidence_score":0.00007631461}]},{"text":"But now look, honestly, there are other ways to to utilize the money to put it into super that they don't really give you the same sort of tax advantage, but putting it into Sure.","start_word":756,"end_word":790,"intents":[{"intent":"Utilize super","confidence_score":0.12296531}]},{"text":"But also, lastly, so the reason for putting in my super not his, he can't lose over 500,000. Is that correct? Yep.","start_word":998,"end_word":1019,"intents":[{"intent":"Confirm super rules","confidence_score":0.0005331115}]},{"text":"What tax would Yes. he pay on that? If he dumped it all in and made it concessional, he would Yep. have to pay tax at the highest marginal tax rate with a 15% offset for the tax that's already been deducted.","start_word":1330,"end_word":1371,"intents":[{"intent":"Calculate tax deductions","confidence_score":0.01364764}]},{"text":"But that's if we right. put the money into your super fund and utilize the carry forward rule from the previous Yep. years, you Yep. don't it doesn't really make more tax for you. It actually gives you a tax deduction.","start_word":1625,"end_word":1665,"intents":[{"intent":"Reuse carry forward rule","confidence_score":0.011546925}]},{"text":"It actually gives you a tax deduction. So as an Wrong.","start_word":1658,"end_word":1668,"intents":[{"intent":"Apply tax deduction","confidence_score":0.01845803}]},{"text":"if worst case scenario, we're thinking of selling Russell Vale, we Sure. got an offer Yes. on it. If we go ahead Yes. with it and sell it, we're going Yep. to have about probably, I don't know, roughly a million dollars. So we're gonna have to utilize my carry forward rule for that, and that'll happen beforehand. Yes.","start_word":1791,"end_word":1849,"intents":[{"intent":"Sell run","confidence_score":0.000106599065}]},{"text":"We have lots of different investment structures that are not inside super, some which have to manage, some which are not so, some which are more Yep.","start_word":1892,"end_word":1918,"intents":[{"intent":"Manage portfolio","confidence_score":0.36975613},{"intent":"Identify investment structures","confidence_score":0.0009144936}]},{"text":"help you with the term deposits and whatever you want.","start_word":1932,"end_word":1941,"intents":[{"intent":"Manage term deposits","confidence_score":0.11799366}]},{"text":"I'll have a really good chat with the both of you, look at your goals, look at how you want that invested, what you need to live on, what your circumstances look like, and we can generate a nice big advice document and sort of really look at what to do with that money. Yep.","start_word":1969,"end_word":2023,"intents":[{"intent":"Generate advice document","confidence_score":0.25033054}]},{"text":"I'll have a really good chat with the both of you, look at your goals, look at how you want that invested, what you need to live on, what your circumstances look like, and we can generate a nice big advice document and sort of really look at what to do with that money. Yep. Yeah.","start_word":1969,"end_word":2024,"intents":[{"intent":"Discuss goals","confidence_score":0.4603822}]},{"text":"the person's It's just going to exchange if we agree before June Yes.","start_word":2046,"end_word":2058,"intents":[{"intent":"Arrange exchange","confidence_score":0.009709432}]},{"text":"the person's It's just going to exchange if we agree before June Yes. '30, but they're not going to settle until after the financial year, of course. So that means when we have to pay tax on the when we have to pay capital gains tax knowing that they exchanged Yeah.","start_word":2046,"end_word":2096,"intents":[{"intent":"Negotiate contract","confidence_score":0.0003010194}]},{"text":"I wanted to make as much of that email as as clear as possible, but it That was was just perfect.","start_word":2260,"end_word":2280,"intents":[{"intent":"Make email clear","confidence_score":0.52224565}]},{"text":"Do you know what I mean?","start_word":2304,"end_word":2309,"intents":[{"intent":"Obtain information","confidence_score":0.015526476}]},{"text":"That's we'll probably okay. have our annual checkup soon, I suppose, in the next few months. Yes. Absolutely.","start_word":2438,"end_word":2455,"intents":[{"intent":"Plan checkup","confidence_score":0.017348312}]}]},"sentiments":{"segments":[{"text":"Hello. This is Dana. Hi, Dana. It's Maddie. I've got Cath Woods on the phone if you have a moment to chat with her. Yeah. No worries. Sorry. I just went into my dog. I just came back from the No. bathroom. I do apologize. No. That's Just gonna alright. put my earphones in real quick. Can you hear me okay? Yep. I can hear you okay. Perfect. I Did you say she got the email back at all or anything like that? yes. Yes. She said that she received your email back.","start_word":0,"end_word":92,"sentiment":"neutral","sentiment_score":0.027121055871248245},{"text":"Beautiful.","start_word":93,"end_word":93,"sentiment":"positive","sentiment_score":0.42358770966529846},{"text":"Yeah. Cool. I passed Alright. her through security. I've also passed Paul. Like, she's an ATPA, so I got his details as well. He's not there. Yeah. Just to let you know. Yeah. That's okay. No problem at all. I'll send that through.","start_word":94,"end_word":136,"sentiment":"neutral","sentiment_score":0.09439078718423843},{"text":"Thank you. Beautiful.","start_word":137,"end_word":139,"sentiment":"positive","sentiment_score":0.4291943609714508},{"text":"You've got her in 03/21. Oh, hi, Katina. How are you? How are you? I'm so sorry. This sort of No. we're in a bit of a slap You're at fine. the moment. No. Thanks. Absolutely. I completely understand. I'm so sorry. Thank you so much for your email, and I sent you the reply back. Did you happen Yep. to have No. a bit I've of got a read that. about it all? No. I've Yeah. read it all.","start_word":140,"end_word":219,"sentiment":"neutral","sentiment_score":-0.01212381199002266},{"text":"That's perfect.","start_word":220,"end_word":221,"sentiment":"positive","sentiment_score":0.3652547001838684},{"text":"I just wanna ask you a few little things. And I Absolutely. oh, firstly, Paul's gone till, I think, Sunday Yeah. night to say yes or tomorrow night to say yes, but he's leaning Yeah. towards saying yes. He's just down the back working. He asked if I could ring. Yeah. Is it feasible for him to call his payroll and sort of say, you know, could I have the next figure I'm going to get? I mean, that's Yeah. not an Absolutely.","start_word":222,"end_word":304,"sentiment":"neutral","sentiment_score":0.0031535925809293985},{"text":"unreasonable thing, is No.","start_word":305,"end_word":308,"sentiment":"negative","sentiment_score":-0.3460654616355896},{"text":"it?","start_word":309,"end_word":309,"sentiment":"neutral","sentiment_score":-0.322242796421051},{"text":"No.","start_word":310,"end_word":310,"sentiment":"negative","sentiment_score":-0.3412511348724365},{"text":"Okay.","start_word":311,"end_word":311,"sentiment":"neutral","sentiment_score":-0.24142153561115265},{"text":"Definitely not.","start_word":312,"end_word":313,"sentiment":"negative","sentiment_score":-0.4137101471424103},{"text":"Because, I mean, it's all gonna go through the payroll anyway, and that'll need to do up, like, a statement, provide all the information to the ACO for, like, end of financial year anyway. So Yes. Okay. it's absolutely feasible to get that information from them. Yeah. And they, look, they should be able to find a way to do it or at least tell him when he can get that access to that information. Okay. Yeah. Okay. Because if it's the funny thing is if he says yes and they choose him, which he thinks they will because there's only a few people putting for it, they will Yeah. he can't say no. So that's the funny thing. You know? It's it's a it's a bit but, also, he probably won't have to go until next January or next May. So Yeah. probably not working Okay. there. You know? He'll say, yes. You've got the redundancy, but you have to work until probably next May. So the figures are gonna be higher because he will have had another probably three weeks. But anyway Yeah. so that's Makes good. sense. Yeah. Yeah. Yeah. Absolutely. Yeah. Also, just one thing, if he puts because Yeah. he got the advice just from a friend Yeah. who's been through this, and he said put it in your wife's super. It's still gonna be taxed as normal, isn't it? Like, what's the because I only I Yes. have I only had 200 and something thousand dollar super, and I only usually use about 5 thou I only get about 5,000 a year. So that's why a person told you to put it in your wife. Does Yeah. that work Yeah. or Absolutely. not? It it can do. So there are some additional areas that we can look at to sort of provide.","start_word":314,"end_word":621,"sentiment":"neutral","sentiment_score":-0.023914646357297897},{"text":"So he can just make, like, non concessional contributions to your super, which boosts your super.","start_word":622,"end_word":637,"sentiment":"positive","sentiment_score":0.5115604400634766},{"text":"That's essentially not giving him any kind of tax deduction in any way.","start_word":638,"end_word":650,"sentiment":"neutral","sentiment_score":0.1856931746006012},{"text":"It's just putting, like, a large lump sum into Sure. your super that gets invested in your super fund, a 100% invested, and provides growth to you.","start_word":651,"end_word":677,"sentiment":"positive","sentiment_score":0.5240514874458313},{"text":"There is other ways, like, depending on your income, there are other, like, spousal contributions Yep. that can be made I where think it can I earned provide too him much. with a small tax deduction, but it does look like I think last year, I had a Yeah. really good look at that. You were over the threshold to do I that. am. Because But only because I got an yeah. investment property. Yeah. Yeah. Yep. Yeah. But now look, honestly, there are other ways to to utilize the money to put it into super that they don't really give you the same sort of tax advantage, but putting it into Sure.","start_word":678,"end_word":790,"sentiment":"neutral","sentiment_score":0.143875852227211},{"text":"your super is a good thing as a nonconcessional contribution because while there's no tax deduction there, the current Yep.","start_word":791,"end_word":810,"sentiment":"positive","sentiment_score":0.3802019953727722},{"text":"nonconcessional cap for the year is a 110 oh, sorry. A 120,000, Yes. I thought. or we can utilize this year's nonconcessional rule and the next two years, and we can put up to 360,000 into your super.","start_word":811,"end_word":848,"sentiment":"neutral","sentiment_score":0.24077799916267395},{"text":"And that money going in there gives you more super, is invested in your portfolio, and that compounds higher. So more money makes more money. So there are definitely ways to do that to boost your super and definitely things that we can do.","start_word":849,"end_word":892,"sentiment":"positive","sentiment_score":0.5272117853164673},{"text":"My main sort of concern with putting it into super is because, like, Paul's only 56. So when we put that money into super, you can't take it back out again until you reach 60 or meet a reservation condition That's of release. right. So Yeah. I I mean, just he's wanna planning make sure to go I'm back not gonna to leave you guys short. no. Sure. Yeah. He's planning to go Yeah. back to some sort of work anyway. Yep. You know what I mean? Like, Perfect. even if he get Absolutely. even if he gets this next yeah. He's planning to go. But also, lastly, so the reason for putting in my super not his, he can't lose over 500,000. Is that correct? Yep. He can't do it concessionally. So with the rule, it's called a carry forward rule, Yep. and he can utilize what left cap space. So, realistically, if this money doesn't come through until next financial year Yeah. and Paul doesn't work for a period of time, we could actually put some money in and try to use up some of that year's cap. But No.","start_word":893,"end_word":1084,"sentiment":"neutral","sentiment_score":-0.044570038424960025},{"text":"we He'll can't be working use right up to any that he gets it.","start_word":1085,"end_word":1098,"sentiment":"negative","sentiment_score":-0.3864998817443848},{"text":"okay. Because so Yeah. what what we can't utilize for him is the carry forward, which is essentially the last five years worth of confessional contributions. So what we tend to do to try Yeah. and provide a greater tax deduction scenario is we can do Yeah. what's called a deductible contribution where we can put money into super, but go past that $30,000 cap and utilize cap based on the previous five years. But Oh, to yes. do that, as of thirtieth He paid of June last year, his balance had to be under 500,000, and his balance Yes. He wasn't paid. then. Yes. Yes. So that yeah. So that unfortunately reduces that eligibility, which is the same, but there's So nothing just to to say get we it can't clear do that for you. yeah. Yeah. To just get it clear, just so I can tell him. So, basically, the reason if if say he just still said, oh, I wanna put it all in his super, which he doesn't. I just wanted to get this clear. He what Sure. tax Yep. would he have to pay if he put it all in his super? Because he already he's up to the $30,000 most years of of concessional con of whatever, c g, whatever. And he's also Yes. over the 500,000. So say he just dumped it in his. What tax would Yes. he pay on that? If he dumped it all in and made it concessional, he would Yep. have to pay tax at the highest marginal tax rate with a 15% offset for the tax that's already been deducted. That's So what I thought. they So look if at he the puts 40 it in 40 yes. 7%. Yeah. I get it. But Yeah. if he puts it in mine, Yeah. because Yeah. I haven't used my brought forward rule or whatever it's called or the Yep. what's it called? Yeah. What tax The will the he carry pay forward rule. carry forward. What what tax will he pay to go into mine? So with yours, just some your balance is a lot lower. You're under that That's $500,000 two hundred and fifty. mark at the moment, Yeah. aren't you? Yeah. 200 So we've with borrowed yours, that two it wouldn't 50. give him yeah. So putting it in your suit and you utilizing the carry forward rule actually doesn't give him any tax benefit. It does No. give you a tax benefit, though. So we would be able to utilize put more money into your super. The amount you put in is taken as a tax deduction and has helped to lower your overall tax, like, your taxable income, but it would give you that benefit. But, look, we don't pay because I'm under the 500 and I haven't utilized I can use the carry forward rule. I wouldn't have to pay Yep. even any tax on it like he would have to. Is that correct? Well, the money inside super whenever money's put inside super, there's always tax on that. It's 15% tax inside He said the super system. But that's if we right. put the money into your super fund and utilize the carry forward rule from the previous Yep. years, you Yep. don't it doesn't really make more tax for you. It actually gives you a tax deduction. So as an Wrong. example, if you were to put 20,000 into your super, so long Yes. as your balance was under 500,000 as of June last year, Yep. that we claim a notice of intent against that. Inside Yep. super, your super fund takes 15% tax out of that 20,000. That essentially Yep. leaves you with 17 sorry. 17 Oh, thousand yes. invested. Yes. And that 20,000, you can then take that back to your accountant, and they add that to your as a deduction onto Yes. Oh, I know your what tap you're returns. saying. I yep. And it reduces I totally your understand taxable it. it's your income. Yeah. Yeah. Yep.","start_word":1099,"end_word":1778,"sentiment":"neutral","sentiment_score":-0.032343271429486134},{"text":"Excellent.","start_word":1779,"end_word":1779,"sentiment":"positive","sentiment_score":0.5263621807098389},{"text":"No. I do understand now.","start_word":1780,"end_word":1784,"sentiment":"neutral","sentiment_score":0.1404796838760376},{"text":"Thank Yeah.","start_word":1785,"end_word":1786,"sentiment":"positive","sentiment_score":0.40572088956832886},{"text":"you. That's Lastly, okay. if worst case scenario, we're thinking of selling Russell Vale, we Sure. got an offer Yes. on it. If we go ahead Yes. with it and sell it, we're going Yep. to have about probably, I don't know, roughly a million dollars. So we're gonna have to utilize my carry forward rule for that, and that'll happen beforehand. Yes. So if worst comes to Yes. worst, all we've got to do is pull redundancy. We'll just invest through you guys through another Yes. sort of little portfolio, Yes. whatever you wanna call it. Is that correct?","start_word":1787,"end_word":1886,"sentiment":"neutral","sentiment_score":0.04875353723764419},{"text":"We can absolutely do that.","start_word":1887,"end_word":1891,"sentiment":"positive","sentiment_score":0.3891304433345794},{"text":"We have lots of different investment structures that are not inside super, some which have to manage, some which are not so, some which are more Yep. long term Okay. investing, some are shorter term investing options. We can Yep. help you with the term deposits and whatever you want. So, yeah, look, if Okay. when and if you guys are ready, you know, how much you're expecting to have after it all, let me Yep. know.","start_word":1892,"end_word":1968,"sentiment":"neutral","sentiment_score":0.11641389237982888},{"text":"I'll have a really good chat with the both of you, look at your goals, look at how you want that invested, what you need to live on, what your circumstances look like, and we can generate a nice big advice document and sort of really look at what to do with that money.","start_word":1969,"end_word":2022,"sentiment":"positive","sentiment_score":0.49146345257759094},{"text":"Yep. Yeah. Okay.","start_word":2023,"end_word":2025,"sentiment":"neutral","sentiment_score":0.19157668948173523},{"text":"Excellent.","start_word":2026,"end_word":2026,"sentiment":"positive","sentiment_score":0.4528023004531861},{"text":"No. That's okay. So and just sorry. Yeah. That's Sorry. alright. Just sort of one thing. I think Yeah. the person's It's just going to exchange if we agree before June Yes. '30, but they're not going to settle until after the financial year, of course. So that means when we have to pay tax on the when we have to pay capital gains tax knowing that they exchanged Yeah. in twenty fifth Yeah. like, fifth '20 Mhmm. 05/26, but won't settle until 2627. How does that Yeah. So, realistically, all the contract date work? when the contract is signed and exchanged, that is when the CDP event is is goes into play. Okay. Yep. Alright. No. That's interesting. Yeah. That's alright. So if we waited one more day afterwards, we're better off, aren't we? Because we don't have to pay the CGT Yeah. until yeah. Yes. Okay. If you can hold up until the new financial year, that might work out more of a benefit. Yeah. Yeah. Right. No. That's good to know.","start_word":2027,"end_word":2200,"sentiment":"neutral","sentiment_score":0.04172343015670776},{"text":"That's good to know.","start_word":2201,"end_word":2204,"sentiment":"positive","sentiment_score":0.3474882245063782},{"text":"Alright.","start_word":2205,"end_word":2205,"sentiment":"neutral","sentiment_score":0.2266893833875656},{"text":"Well, thank you so much, Dana.","start_word":2206,"end_word":2211,"sentiment":"positive","sentiment_score":0.3882109224796295},{"text":"I'm sorry Oh, that that's thank you no. for fitting me in. That's okay.","start_word":2212,"end_word":2225,"sentiment":"neutral","sentiment_score":0.16941742599010468},{"text":"Not a problem at all.","start_word":2226,"end_word":2230,"sentiment":"positive","sentiment_score":0.33808261156082153},{"text":"I always try to make time for you know, if you need something, please let Thank me you.","start_word":2231,"end_word":2248,"sentiment":"neutral","sentiment_score":0.32082998752593994},{"text":"know. I'm always here. I will always try to help.","start_word":2249,"end_word":2258,"sentiment":"positive","sentiment_score":0.4146454632282257},{"text":"I wanted to make as much of that email as as clear as possible, but it That was was just perfect. there was so many variables. I'm so sorry. I know. And I didn't give it a lot because they haven't given us a lot. Do you know what I mean? Yeah. No. That's yeah. And that was the thing. It was all like, this is the quote. This could change. No. They're Yeah. not really I giving think you it a great deal of information, but yeah. no. I mean, nothing will change in the weeks than that. It'll just get Yeah. more depending on what time they leave and whether like, when Paul actually leaves the business, it might be in twelve months or Yeah. nine months. But also, Yeah. that's not also that hasn't included his annual leave that's left or anything like that. That's just the so there'll be more Yeah. on top of that So that too. could So be I higher. know Yeah. yeah. Yeah. Anyway, thank Yeah.","start_word":2259,"end_word":2432,"sentiment":"neutral","sentiment_score":-0.036492303013801575},{"text":"you so much.","start_word":2433,"end_word":2435,"sentiment":"positive","sentiment_score":0.39875954389572144},{"text":"Well, No. That's we'll probably okay. have our annual checkup soon, I suppose, in the next few months. Yes. Absolutely. Yep. Absolutely. Alright. I'll even maybe get Samantha to try and book it in for you a bit earlier.","start_word":2436,"end_word":2474,"sentiment":"neutral","sentiment_score":0.1188877373933792},{"text":"Awesome.","start_word":2475,"end_word":2475,"sentiment":"positive","sentiment_score":0.4317306876182556},{"text":"We might just look at it in July. That way we can talk about where you're going and maybe incorporate Great. any changes I'll do that are occurring then and see if we can do a really big advice document it. for the both of Perfect. you and have a look at everything. Does that sound Oh, okay that if sounds we go great. kinda mid to late July? Yeah? Yep.","start_word":2476,"end_word":2546,"sentiment":"neutral","sentiment_score":0.1965857893228531},{"text":"That sounds great. Thank you so much.","start_word":2547,"end_word":2553,"sentiment":"positive","sentiment_score":0.5876378417015076},{"text":"Oh, that's okay. If you guys have any other questions or need anything, don't ever hesitate. Give me a call at any time.","start_word":2554,"end_word":2576,"sentiment":"neutral","sentiment_score":0.23963072896003723},{"text":"I will always Thank make you.","start_word":2577,"end_word":2582,"sentiment":"positive","sentiment_score":0.3628858923912048},{"text":"time to fit you in. Okay? Oh, look.","start_word":2583,"end_word":2590,"sentiment":"neutral","sentiment_score":0.21885238587856293},{"text":"I really appreciate I really appreciate that. Thank you so That's much. okay. You have a lovely day. Thanks. You too. And say hi to See Paul. you. Have a great I will day. for sure. Thank you. You too.","start_word":2591,"end_word":2630,"sentiment":"positive","sentiment_score":0.5688244044780731},{"text":"Bye bye.","start_word":2631,"end_word":2632,"sentiment":"neutral","sentiment_score":0.24049131572246552},{"text":"Thanks. Thanks, Kath. Bye.","start_word":2633,"end_word":2636,"sentiment":"positive","sentiment_score":0.5682091116905212}],"average":{"sentiment":"neutral","sentiment_score":0.05992529709797833}}}}