{"metadata":{"transaction_key":"deprecated","request_id":"019e206c-4296-7cd0-9e2d-7ba47573dc34","sha256":"83d3c4ca8748a78fe908bcb1c2bfae97995812ff1f3aa2fc7cb405626194a08a","created":"2026-05-13T08:20:32.647Z","duration":2029.1759,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":9290,"output_tokens":90},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":10576,"output_tokens":10596},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":10576,"output_tokens":608}},"results":{"channels":[{"alternatives":[{"transcript":"Good evening, Jesse. It's Tommy here, senior adviser from. How are you going this lovely night? Living the dream. Absolutely living the dream. I'm just giving you a call to go through a couple of quick things regarding your insurances and beneficiaries if you've still got some time for me. Sensational. Now as you are now a client of OPU Financial, we do a quick security check just to make sure it is you, just to protect your info, mate. Are you okay for the call to be recorded for training and quality purposes? Fantastic. And I am registered with ASIC as adviser one two seven three one zero five. Could you please confirm your date of birth and address? Beautiful. Mate, we don't have a security question on file. Are you comfortable just to do these three point ID checks each call? Do you want me to put a security question in place? Fantastic. Now first thing I wanted to jump into with you is just your beneficiary nominations came through for c bus and hub twenty four, and it's all looking pretty good. The only thing is we didn't have ticked the nomination type. So I just wanted to quickly run that by you, make sure we are putting the correct tick box on there, and then we're good to submit that. Cool. So we had in the SOA that you were nominating your partner to receive. Yep. So spouse, a 100%. Now we did recommend, like, a non lapsing binding nomination. Do you remember the different types and what that means? No. That's okay. So to make it super easy for you, you've got two main choices. The first one is do you want it to be a lapsing or non lapsing, which means it expires every three years or it's continuous until you change it? Sensational. And this is a non lapsing. Correct. The other thing? It was just blank on the form. That's alright. The other option is whether you want it to be legally binding or nonbinding. It's a bit of a strange question, but there is actually a choice that you can have it nonbinding, so it's up to the superfund's discretion, or legally binding means they have to do it in a court of law. That's okay. Most people do, like, a legally binding one because it's the most direct, and the super fund pretty much just has to do what you've put down on that form. They don't have any wiggle. Yep. Fantastic. So I'll put down a non lapsing binding. We can get that uploaded to hub twenty four tomorrow. Usually takes a couple days, and then that's all sorted. No. Don't apologize at all. Mate, we're here just to check and make sure it's all good. Just save you as filling out the form again. Cool. Mate, your super all came in on the March 27. We've got it all invested. It's already jumped back up $7, so all the fees that you paid for us are already pretty much made up, and it's on the way up. You've kind of gone in at a perfect time because the stock market was at a real low in March, and it's just jumped back up since. So three or 4% return straight away in a month is pretty good. Again, we're aiming for, like, 10% plus over a year, like, long term. Cool. The only other thing I wanted to go through with you was it's a bit of sensitive information, but it's just regarding your insurance application. You do you remember that you've got the c bus cover, which we're keeping in place? Yep. And then we were applying for a bit of a top up of life and TPD with a a separate insurer. Does that ring a bell? No. That's the trauma. So what I'll do, I've got your SOA in front of you, in front of me. Sorry. So CBAS has a couple of $100 worth of life and disability insurance. So if you pass away or you can never work again, there's your lump sum. We were doing the out of pocket one, that's trauma. So that's heart attack, stroke, and cancer. And on top of that, with the same insurer with MetLife, we were going to add on about a million dollars worth of life and TPD just to make sure all the debts are paid, incomes replaced, a big top up. Does that ring a bell? Yep. Now we've actually had a bit of a decline come back from the insurer after the medical check you had. I think you saw a doctor, and they may have done some checks and things like that. So we actually had you listed down BMI wise at a weight of one eighteen kilos, and the doctor put down one eighty. Yep. So what's happened is the one eighty, if that's correct, that pushes your BMI into the high category where they actually yeah. 53 BMI. Now they cut it off after 45. That's kind of the best you can do. So when it's above that, they can't give you any insurances with any insurer on top of what you've already got. K? So wanted to, first of all, just double check with you whether that was correct or whether there was a bit of a typo. Yeah. And I did double check it a couple of times. No. That's my yeah. Yeah. No. No one yeah. The top up cover, no retail insurer offers it above 45. But the C bus one's still in force, and that one's still fine. Correct. Yeah. It was like hang on. I've got it here in front of me. Yeah. It's just a basic, like, unitized stuff. So based on your age, they basically give you two hundred and eight of life and one forty five of TPD, which is total disability. Yep. Yeah. So I did have a bit of a go ahead. I was just gonna say I did a bit of a double check on it because 118 and one 80 sound pretty similar when you speak it. And Yeah. And, look, I do apologize, like, if we've put down the wrong figure there and and given you a bum steer. Sorry about that. Yep. So one of the things that, obviously, from here, like, everything is looking pretty good. The sea bus is there. You've got the cover in place. The soup is growing. Everything is looking pretty sweet there. It's just probably something where we've got to come back to the top up insurance in a year or two's time. Yeah. Pretty much. Because once you hit forty five BMI, they'll give you the cover with a bit of a loading, like the price will be a bit more. Outside of that, every five BMI points, they chop it down further and further and further up until $30.35 is, like, the cleanest and the lowest price. Yep. So if you're comfortable with that, we'll basically that's okay. What we'll do is we always put a flag on the file. So when we do the annual reviews with you, we'll talk through how everything's going. Do we need to change anything with the super? Is there anything else that you're doing in your life or advice that you need? And then when we come back around to insurances, we'll talk about the c bus. We'll check if there's been any health changes. If there has been, we can just revisit it once it hits the threshold, and then we're pretty sweet. K. Is that okay for you? Cool. Now I've like, as a senior adviser, I've obviously checked through the advice to see if there's anything that we need to change from that, but we were keeping the C bus in place already anyway. And there was a bit of a mention of let me just pull it up for a quick sec. Through the union that you may have had some cover and protection with them through the employment and the union. Does that ring a bell as well? Yeah. It mentions here that you had an EBA and IncoLink. Yep. Yeah. I mean, depending on it makes perfect sense. It reminds me of the old friendly societies. I don't know if you ever remember the old charity friendly societies from fifty years ago. So yeah. So back in the day in Australia, back before everyone had, like, know, big insurance companies and super funds and everything, people used to be part of not only unions but friendly societies. And, you know, you'd have a small town somewhere, a farming community, and they'd all pull this money together. So if someone was off work, redundant, or injured, it would help protect them and their family in the events of death and disability. So, look, I would love to get some info on that if they do have any documents that they've given you, any policies or EBAs. Yeah. It goes through the process document and doctor stuff. Yeah. Run. Yeah. And that's gonna be one of the biggest things for you is if you're out of work for a small period of time, like six months, nine months, having, like, mortgage payments covered and things like that for something out of work, that's perfect. Yes. Yep. Yeah. It's a one off. Yeah. Mate, what I always say is the truth's always somewhere in the middle. You get two sides of the coin, and it's somewhere in the middle. Yeah. So at least the income protection is the important bit because even in the the trauma side, like, there's still the public health system. If you have a heart attack or something, you go into an emergency room. Someone's gonna look after you. It's more of the things like, does your partner need to take some time off work to look after you at home? Gives a bit of financial space, which that may even cover a little bit. So if if I can't like, if it's not too trouble and you can get some information through to us, I would love to have it on file so that when we come back to it in a year or two, I can look at covering any gaps. Yeah. That'd be fantastic. Because, again, I'm assuming do you pay anything through your your payslip for it? Or yep. But that goes towards that. Yeah. I kinda love that because there's no no one's allowed to do redundancy insurance in Australia except for the the Union and Centrelink. And the fact that you've got it, that's fantastic. Yeah. You're not looking to change work soon, are you? Yeah. And, like, even looking at the way you you're super going up and you're on that 6 figure salary, mate, you're already well ahead of everyone for your age. So, like, if if you can maintain that and use that cash flow Cool. Yep. Yeah. Yeah. Yeah. Correct. It's the first one. So what we do is the contributions going in there make sure that there's a tag on your account so it stays active because if that goes inactive, they'll close it. And then when we do the annual reviews, we'll revisit how much it's going up to, and then everything above what we need to keep, we'll just move it across. Yeah. And, look, I think we kept in there was it $10 to start with? I'm just gonna look. Yeah. Oh, that is a great question because if you're comfortable to actually split your contributions, do you think work would do it for you and pay up? Yeah. Yeah. It'll be worth checking. Yep. So let me just go are you paid monthly, fortnightly? Weekly. That's sensational. Okay. So Yes. Yeah. Yeah. Yeah. So we've just got to be careful obviously on on caps to make sure we don't go over. They're increasing it next financial year to thirty two and a half. So, like, ideally, your premiums with C plus are pretty low. So it doesn't need that much to be in there to keep it going. I'm just having a quick look. $681.60 a year. So, realistically, if you're averaging a 125 a week salary sacrifice going in, like the 5% that you're talking about, that would keep it going. No problems at all. And your main contributions can go over the hub, and then you get it invested gradually through the year, which is much better. So if they can split it, that'd be good. The only thing I wanna double check quickly is when it comes to your income, do you know what your year to date is for this financial year? Thank you. Yes. Yes. Yeah. Yeah. Right. So that does sound like it's incorporating the whole year. K. So I'll give you an example. Let's say you end up with $2.30, just for argument's sake. If you get your 12% contributions, that's 27,600 out of the 30. And then oh, hang on. Let me just do the old work back just to make sure I haven't point 02/2017. Yeah. So one of the things that'll happen is if your salary is sacrificing 5% and you end up with $230, you could have 39 go in there for the year, and you go a little bit above the cap. Now Yeah. And then what ends up happening? So two things. First, they use up any unused cap for the last five financial years going backwards. Yep. You reckon you've kind of hit that 200 mark five years in Iraq? Uh-huh. Right. Okay. Perfect. So there's a couple of things that we can do. There's two things. Either we do, like, usual quarterly catch ups just to see how you're going if you're comfortable with that frequency of contact. And k. And then if the contributions start, like, hitting cap territory next year, we can obviously be like, hey. Pause your salary sacrifice, that kind of thing. Yes. Yeah. Okay. And do you have I mean, you're still working on finishing off that mortgage. Right? Okay. I don't want to overcomplicate things, but there is another option that you don't do any salary sacrifice and you pull it all up in your offset account the whole year, and it's offsetting your mortgage. And then June comes, you flick in the rest to top you up to $30 and get the tax deduction. Yes. I I would a 100% do that. Like, I'm I'm not trying to, like, overstep the bounds here, but the way I'm thinking of it is you're already at a huge amount of super few rage. You're on 6 figures. You're in a pretty good growth fund. That's gonna get to a pretty massive amount by 60 anyway. And even if you end up like, let's say you keep earning 200 plus, and even if the top up at the end of the year is only 4 or $5 or something, it's so much better to have that mortgage down. If you've got the discipline to make sure it keeps pulling in there and you're not spending it, that's gonna get you ahead personally a lot more, and the super is gonna take care of itself. Yeah. All that means is that we cannot do this whole two contributions to two super funds thing, but it's gonna be so much better for you in the personal run and your own assets and your personal name. I would much rather you do that. Oh, yeah. No. Absolutely. Like, honestly, even if you put in $500 a year, that'll last you five, ten years pretty easily. I think so. Like, look, I'd wanna boost up your super as much as we can because, obviously, that's what we're looking after, and that's what we're charging you for. But your other goals have to come into account, and I can take care of things here pretty easily with what you've given me already. And, mate, I would be focused on that mortgage because it gives you all this freedom. Mortgage is paid off. Oh, I'm gonna go for a holiday now. We'll buy an investment property. All all that stuff opens up. Yeah. It would fluctuate, though, wouldn't it? If you do your overtime, they're gonna pay you super as well. Yeah. Yeah. Okay. Yeah. Yeah. Okay. So Yeah. Well, that means you kinda get the best of both worlds because if they're putting in, let's say, 130 is your base on the forty hours, and that's $15.06 going in, well, to get to the cap, it's $2.77 a week before tax, which if you salary sacrifice, it gives you an instant tax deduction in the weekly pay. So you put in $2.77. It costs you 200 in the pay packet. So you could potentially do something like that where you put in, say, if if you can confirm that it's, like, $1.30 base and that's what the super is coming off at, you put in $2.75, $2.70, $2.50, whatever it is as a flat amount, and the rest all goes into the offset. Yep. Yeah. It it'll be a bit of a process because we'd be calling you in May saying, hey, mate. Can you put this over in June? Here's a form. Fill out the claim it. Make sure you give it to your accountant before you do your tax return. Like, we make it as easy as we can, but it is a tiny bit more of a process. So, like, if you can see if they will do a bit of a splitting, that's that's totally cool because in that way, you can get both accounts rolling. Yeah. Yep. And that'll work out really well figures wise because the way I'm looking at it is the this the SGC that they're paying on your wages, that's almost the equivalent of what you're about to salary sacrifice as a flat amount. So it's pretty much an equal amount, and it's just splitting your contributions fifty fifty to two accounts. And then once the bus builds up, we can do that little top up rollover from that side as well. Yeah. Cool. So what I might do, I'm gonna send you a record of advice, which is basically the same statement of advice you already signed. Just update it with the plan going forward. I'll put in there $1.30 base income, usual income between 2, two thirty, and then we'll say from 5% salary sacrifice to a flat amount of about $2.75. And then if you can maybe get a hold of if you've got that information for the income protection through work through the union, sorry. I can Right. Yeah. And outside of going back through that's the thing. The overtime is gonna mask it if I go through your old super statements to work it back from your contributions. So if they can even just give you, like, here's your actual base and your gross income. Yep. And then at the same time, if you can be like, hey. The oh, if it's through the union, you have to go separate. But I was just saying, like, a policy schedule or an agreement or something for that health side of things. I can keep those on file. And that way, we don't give you the wrong figure recommended. Cool. Alright, mate. I'll send you a bit of an email tomorrow with a bit of a recap. And if you can get me those two, I'll fix up your documents so it's all perfect. Outside of that, look, contributions are still going to see us, so we just leave it. If they're happy to split it off into hub, that's great. That just simplifies things a little bit. And then yeah. And we won't have to redirect anything. It'll just be like, hey. This additional bit, can I do it flat over here? And, yeah, when you email me back, if you can give me that base income, possibly the policy schedule, and whether they will or won't split the contributions, I'll package it up for you. No. Everything's all pretty well. I think you've already signed the statement of advice originally. I'll give you an update at one, of course, but I think that's pretty well sweet, mate. Everything's rolling as it should be. No worries at all. And last thing is I'll get that beneficiary submitted tomorrow. Awesome. Have a good night, and I'll talk to you soon, mate. Cheers. 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evening, Jesse. It's Tommy here, senior adviser from. How are you going this lovely night? Living the dream. Absolutely living the dream.\n\nI'm just giving you a call to go through a couple of quick things regarding your insurances and beneficiaries if you've still got some time for me. Sensational. Now as you are now a client of OPU Financial, we do a quick security check just to make sure it is you, just to protect your info, mate. Are you okay for the call to be recorded for training and quality purposes? Fantastic.\n\nAnd I am registered with ASIC as adviser one two seven three one zero five. Could you please confirm your date of birth and address? Beautiful. Mate, we don't have a security question on file. Are you comfortable just to do these three point ID checks each call?\n\nDo you want me to put a security question in place? Fantastic. Now first thing I wanted to jump into with you is just your beneficiary nominations came through for c bus and hub twenty four, and it's all looking pretty good. The only thing is we didn't have ticked the nomination type. So I just wanted to quickly run that by you, make sure we are putting the correct tick box on there, and then we're good to submit that.\n\nCool. So we had in the SOA that you were nominating your partner to receive. Yep. So spouse, a 100%. Now we did recommend, like, a non lapsing binding nomination.\n\nDo you remember the different types and what that means? No. That's okay. So to make it super easy for you, you've got two main choices. The first one is do you want it to be a lapsing or non lapsing, which means it expires every three years or it's continuous until you change it?\n\nSensational. And this is a non lapsing. Correct. The other thing? It was just blank on the form.\n\nThat's alright. The other option is whether you want it to be legally binding or nonbinding. It's a bit of a strange question, but there is actually a choice that you can have it nonbinding, so it's up to the superfund's discretion, or legally binding means they have to do it in a court of law. That's okay. Most people do, like, a legally binding one because it's the most direct, and the super fund pretty much just has to do what you've put down on that form.\n\nThey don't have any wiggle. Yep. Fantastic. So I'll put down a non lapsing binding. We can get that uploaded to hub twenty four tomorrow.\n\nUsually takes a couple days, and then that's all sorted. No. Don't apologize at all. Mate, we're here just to check and make sure it's all good. Just save you as filling out the form again.\n\nCool. Mate, your super all came in on the March 27. We've got it all invested. It's already jumped back up $7, so all the fees that you paid for us are already pretty much made up, and it's on the way up. You've kind of gone in at a perfect time because the stock market was at a real low in March, and it's just jumped back up since.\n\nSo three or 4% return straight away in a month is pretty good. Again, we're aiming for, like, 10% plus over a year, like, long term. Cool. The only other thing I wanted to go through with you was it's a bit of sensitive information, but it's just regarding your insurance application. You do you remember that you've got the c bus cover, which we're keeping in place?\n\nYep. And then we were applying for a bit of a top up of life and TPD with a a separate insurer. Does that ring a bell? No. That's the trauma.\n\nSo what I'll do, I've got your SOA in front of you, in front of me. Sorry. So CBAS has a couple of $100 worth of life and disability insurance. So if you pass away or you can never work again, there's your lump sum. We were doing the out of pocket one, that's trauma.\n\nSo that's heart attack, stroke, and cancer. And on top of that, with the same insurer with MetLife, we were going to add on about a million dollars worth of life and TPD just to make sure all the debts are paid, incomes replaced, a big top up. Does that ring a bell? Yep. Now we've actually had a bit of a decline come back from the insurer after the medical check you had.\n\nI think you saw a doctor, and they may have done some checks and things like that. So we actually had you listed down BMI wise at a weight of one eighteen kilos, and the doctor put down one eighty. Yep. So what's happened is the one eighty, if that's correct, that pushes your BMI into the high category where they actually yeah. 53 BMI.\n\nNow they cut it off after 45. That's kind of the best you can do. So when it's above that, they can't give you any insurances with any insurer on top of what you've already got. K? So wanted to, first of all, just double check with you whether that was correct or whether there was a bit of a typo.\n\nYeah. And I did double check it a couple of times. No. That's my yeah. Yeah.\n\nNo. No one yeah. The top up cover, no retail insurer offers it above 45. But the C bus one's still in force, and that one's still fine. Correct.\n\nYeah. It was like hang on. I've got it here in front of me. Yeah. It's just a basic, like, unitized stuff.\n\nSo based on your age, they basically give you two hundred and eight of life and one forty five of TPD, which is total disability. Yep. Yeah. So I did have a bit of a go ahead. I was just gonna say I did a bit of a double check on it because 118 and one 80 sound pretty similar when you speak it.\n\nAnd Yeah. And, look, I do apologize, like, if we've put down the wrong figure there and and given you a bum steer. Sorry about that. Yep. So one of the things that, obviously, from here, like, everything is looking pretty good.\n\nThe sea bus is there. You've got the cover in place. The soup is growing. Everything is looking pretty sweet there. It's just probably something where we've got to come back to the top up insurance in a year or two's time.\n\nYeah. Pretty much. Because once you hit forty five BMI, they'll give you the cover with a bit of a loading, like the price will be a bit more. Outside of that, every five BMI points, they chop it down further and further and further up until $30.35 is, like, the cleanest and the lowest price. Yep.\n\nSo if you're comfortable with that, we'll basically that's okay. What we'll do is we always put a flag on the file. So when we do the annual reviews with you, we'll talk through how everything's going. Do we need to change anything with the super? Is there anything else that you're doing in your life or advice that you need?\n\nAnd then when we come back around to insurances, we'll talk about the c bus. We'll check if there's been any health changes. If there has been, we can just revisit it once it hits the threshold, and then we're pretty sweet. K. Is that okay for you?\n\nCool. Now I've like, as a senior adviser, I've obviously checked through the advice to see if there's anything that we need to change from that, but we were keeping the C bus in place already anyway. And there was a bit of a mention of let me just pull it up for a quick sec. Through the union that you may have had some cover and protection with them through the employment and the union. Does that ring a bell as well?\n\nYeah. It mentions here that you had an EBA and IncoLink. Yep. Yeah. I mean, depending on it makes perfect sense.\n\nIt reminds me of the old friendly societies. I don't know if you ever remember the old charity friendly societies from fifty years ago. So yeah. So back in the day in Australia, back before everyone had, like, know, big insurance companies and super funds and everything, people used to be part of not only unions but friendly societies. And, you know, you'd have a small town somewhere, a farming community, and they'd all pull this money together.\n\nSo if someone was off work, redundant, or injured, it would help protect them and their family in the events of death and disability. So, look, I would love to get some info on that if they do have any documents that they've given you, any policies or EBAs. Yeah. It goes through the process document and doctor stuff. Yeah.\n\nRun. Yeah. And that's gonna be one of the biggest things for you is if you're out of work for a small period of time, like six months, nine months, having, like, mortgage payments covered and things like that for something out of work, that's perfect. Yes. Yep.\n\nYeah. It's a one off. Yeah. Mate, what I always say is the truth's always somewhere in the middle. You get two sides of the coin, and it's somewhere in the middle.\n\nYeah. So at least the income protection is the important bit because even in the the trauma side, like, there's still the public health system. If you have a heart attack or something, you go into an emergency room. Someone's gonna look after you. It's more of the things like, does your partner need to take some time off work to look after you at home?\n\nGives a bit of financial space, which that may even cover a little bit. So if if I can't like, if it's not too trouble and you can get some information through to us, I would love to have it on file so that when we come back to it in a year or two, I can look at covering any gaps. Yeah. That'd be fantastic. Because, again, I'm assuming do you pay anything through your your payslip for it?\n\nOr yep. But that goes towards that. Yeah. I kinda love that because there's no no one's allowed to do redundancy insurance in Australia except for the the Union and Centrelink. And the fact that you've got it, that's fantastic.\n\nYeah. You're not looking to change work soon, are you? Yeah. And, like, even looking at the way you you're super going up and you're on that 6 figure salary, mate, you're already well ahead of everyone for your age. So, like, if if you can maintain that and use that cash flow Cool.\n\nYep. Yeah. Yeah. Yeah. Correct.\n\nIt's the first one. So what we do is the contributions going in there make sure that there's a tag on your account so it stays active because if that goes inactive, they'll close it. And then when we do the annual reviews, we'll revisit how much it's going up to, and then everything above what we need to keep, we'll just move it across. Yeah. And, look, I think we kept in there was it $10 to start with?\n\nI'm just gonna look. Yeah. Oh, that is a great question because if you're comfortable to actually split your contributions, do you think work would do it for you and pay up? Yeah. Yeah.\n\nIt'll be worth checking. Yep. So let me just go are you paid monthly, fortnightly? Weekly. That's sensational.\n\nOkay. So Yes. Yeah. Yeah. Yeah.\n\nSo we've just got to be careful obviously on on caps to make sure we don't go over. They're increasing it next financial year to thirty two and a half. So, like, ideally, your premiums with C plus are pretty low. So it doesn't need that much to be in there to keep it going. I'm just having a quick look.\n\n$681.60 a year. So, realistically, if you're averaging a 125 a week salary sacrifice going in, like the 5% that you're talking about, that would keep it going. No problems at all. And your main contributions can go over the hub, and then you get it invested gradually through the year, which is much better. So if they can split it, that'd be good.\n\nThe only thing I wanna double check quickly is when it comes to your income, do you know what your year to date is for this financial year? Thank you. Yes. Yes. Yeah.\n\nYeah. Right. So that does sound like it's incorporating the whole year. K. So I'll give you an example.\n\nLet's say you end up with $2.30, just for argument's sake. If you get your 12% contributions, that's 27,600 out of the 30. And then oh, hang on. Let me just do the old work back just to make sure I haven't point 02/2017. Yeah.\n\nSo one of the things that'll happen is if your salary is sacrificing 5% and you end up with $230, you could have 39 go in there for the year, and you go a little bit above the cap. Now Yeah. And then what ends up happening? So two things. First, they use up any unused cap for the last five financial years going backwards.\n\nYep. You reckon you've kind of hit that 200 mark five years in Iraq? Uh-huh. Right. Okay.\n\nPerfect. So there's a couple of things that we can do. There's two things. Either we do, like, usual quarterly catch ups just to see how you're going if you're comfortable with that frequency of contact. And k.\n\nAnd then if the contributions start, like, hitting cap territory next year, we can obviously be like, hey. Pause your salary sacrifice, that kind of thing. Yes. Yeah. Okay.\n\nAnd do you have I mean, you're still working on finishing off that mortgage. Right? Okay. I don't want to overcomplicate things, but there is another option that you don't do any salary sacrifice and you pull it all up in your offset account the whole year, and it's offsetting your mortgage. And then June comes, you flick in the rest to top you up to $30 and get the tax deduction.\n\nYes. I I would a 100% do that. Like, I'm I'm not trying to, like, overstep the bounds here, but the way I'm thinking of it is you're already at a huge amount of super few rage. You're on 6 figures. You're in a pretty good growth fund.\n\nThat's gonna get to a pretty massive amount by 60 anyway. And even if you end up like, let's say you keep earning 200 plus, and even if the top up at the end of the year is only 4 or $5 or something, it's so much better to have that mortgage down. If you've got the discipline to make sure it keeps pulling in there and you're not spending it, that's gonna get you ahead personally a lot more, and the super is gonna take care of itself. Yeah. All that means is that we cannot do this whole two contributions to two super funds thing, but it's gonna be so much better for you in the personal run and your own assets and your personal name.\n\nI would much rather you do that. Oh, yeah. No. Absolutely. Like, honestly, even if you put in $500 a year, that'll last you five, ten years pretty easily.\n\nI think so. Like, look, I'd wanna boost up your super as much as we can because, obviously, that's what we're looking after, and that's what we're charging you for. But your other goals have to come into account, and I can take care of things here pretty easily with what you've given me already. And, mate, I would be focused on that mortgage because it gives you all this freedom. Mortgage is paid off.\n\nOh, I'm gonna go for a holiday now. We'll buy an investment property. All all that stuff opens up. Yeah. It would fluctuate, though, wouldn't it?\n\nIf you do your overtime, they're gonna pay you super as well. Yeah. Yeah. Okay. Yeah.\n\nYeah. Okay. So Yeah. Well, that means you kinda get the best of both worlds because if they're putting in, let's say, 130 is your base on the forty hours, and that's $15.06 going in, well, to get to the cap, it's $2.77 a week before tax, which if you salary sacrifice, it gives you an instant tax deduction in the weekly pay. So you put in $2.77.\n\nIt costs you 200 in the pay packet. So you could potentially do something like that where you put in, say, if if you can confirm that it's, like, $1.30 base and that's what the super is coming off at, you put in $2.75, $2.70, $2.50, whatever it is as a flat amount, and the rest all goes into the offset. Yep. Yeah. It it'll be a bit of a process because we'd be calling you in May saying, hey, mate.\n\nCan you put this over in June? Here's a form. Fill out the claim it. Make sure you give it to your accountant before you do your tax return. Like, we make it as easy as we can, but it is a tiny bit more of a process.\n\nSo, like, if you can see if they will do a bit of a splitting, that's that's totally cool because in that way, you can get both accounts rolling. Yeah. Yep. And that'll work out really well figures wise because the way I'm looking at it is the this the SGC that they're paying on your wages, that's almost the equivalent of what you're about to salary sacrifice as a flat amount. So it's pretty much an equal amount, and it's just splitting your contributions fifty fifty to two accounts.\n\nAnd then once the bus builds up, we can do that little top up rollover from that side as well. Yeah. Cool. So what I might do, I'm gonna send you a record of advice, which is basically the same statement of advice you already signed. Just update it with the plan going forward.\n\nI'll put in there $1.30 base income, usual income between 2, two thirty, and then we'll say from 5% salary sacrifice to a flat amount of about $2.75. And then if you can maybe get a hold of if you've got that information for the income protection through work through the union, sorry. I can Right. Yeah. And outside of going back through that's the thing.\n\nThe overtime is gonna mask it if I go through your old super statements to work it back from your contributions. So if they can even just give you, like, here's your actual base and your gross income. Yep. And then at the same time, if you can be like, hey. The oh, if it's through the union, you have to go separate.\n\nBut I was just saying, like, a policy schedule or an agreement or something for that health side of things. I can keep those on file. And that way, we don't give you the wrong figure recommended. Cool. Alright, mate.\n\nI'll send you a bit of an email tomorrow with a bit of a recap. And if you can get me those two, I'll fix up your documents so it's all perfect. Outside of that, look, contributions are still going to see us, so we just leave it. If they're happy to split it off into hub, that's great. That just simplifies things a little bit.\n\nAnd then yeah. And we won't have to redirect anything. It'll just be like, hey. This additional bit, can I do it flat over here? And, yeah, when you email me back, if you can give me that base income, possibly the policy schedule, and whether they will or won't split the contributions, I'll package it up for you.\n\nNo. Everything's all pretty well. I think you've already signed the statement of advice originally. I'll give you an update at one, of course, but I think that's pretty well sweet, mate. Everything's rolling as it should be.\n\nNo worries at all. And last thing is I'll get that beneficiary submitted tomorrow. Awesome. Have a good night, and I'll talk to you soon, mate. Cheers.\n\nBye.","paragraphs":[{"sentences":[{"text":"Good evening, Jesse.","start":2.1599998,"end":3.04,"sentiment":"neutral","sentiment_score":0.31611742575963336},{"text":"It's Tommy here, senior adviser from.","start":3.04,"end":4.88,"sentiment":"neutral","sentiment_score":0.24612760792175928},{"text":"How are you going this lovely night?","start":4.88,"end":6.58,"sentiment":"positive","sentiment_score":0.5132447736603873},{"text":"Living the dream.","start":8.16,"end":9.04,"sentiment":"positive","sentiment_score":0.5962957342465719},{"text":"Absolutely living the dream.","start":9.04,"end":10.5,"sentiment":"positive","sentiment_score":0.7421641945838928}],"sentiment":"positive","sentiment_score":0.46849457919597626,"num_words":23,"start":2.1599998,"end":10.5},{"sentences":[{"text":"I'm just giving you a call to go through a couple of quick things regarding your insurances and beneficiaries if you've still got some time for me.","start":10.639999,"end":17.605,"sentiment":"neutral","sentiment_score":0.14220123462103032},{"text":"Sensational.","start":19.185,"end":19.685,"sentiment":"positive","sentiment_score":0.3722757697105408},{"text":"Now as you are now a client of OPU Financial, we do a quick security check just to make sure it is you, just to protect your info, mate.","start":19.904999,"end":28.36,"sentiment":"neutral","sentiment_score":0.06576228565697012},{"text":"Are you okay for the call to be recorded for training and quality purposes?","start":28.52,"end":31.980001,"sentiment":"neutral","sentiment_score":0.034207133177135675},{"text":"Fantastic.","start":33.24,"end":33.74,"sentiment":"positive","sentiment_score":0.6394377946853638}],"sentiment":"neutral","sentiment_score":0.10051601455132994,"num_words":72,"start":10.639999,"end":33.74},{"sentences":[{"text":"And I am registered with ASIC as adviser one two seven three one zero five.","start":33.88,"end":38.36,"sentiment":"neutral","sentiment_score":0.16966375410556794},{"text":"Could you please confirm your date of birth and address?","start":38.36,"end":41.02,"sentiment":"neutral","sentiment_score":0.08575346358120442},{"text":"Beautiful.","start":46.585,"end":47.085,"sentiment":"positive","sentiment_score":0.4351296126842499},{"text":"Mate, we don't have a security question on file.","start":47.465,"end":49.465,"sentiment":"neutral","sentiment_score":-0.01178324305348926},{"text":"Are you comfortable just to do these three point ID checks each call?","start":49.465,"end":53.385002,"sentiment":"neutral","sentiment_score":-0.009087522299243854}],"sentiment":"neutral","sentiment_score":0.07527986630642165,"num_words":48,"start":33.88,"end":53.385002},{"sentences":[{"text":"Do you want me to put a security question in place?","start":53.385002,"end":55.805,"sentiment":"neutral","sentiment_score":-0.03967129235917872},{"text":"Fantastic.","start":58.9,"end":59.4,"sentiment":"positive","sentiment_score":0.48456424474716187},{"text":"Now first thing I wanted to jump into with you is just your beneficiary nominations came through for c bus and hub twenty four, and it's all looking pretty good.","start":59.7,"end":68.58,"sentiment":"neutral","sentiment_score":0.18245059475302697},{"text":"The only thing is we didn't have ticked the nomination type.","start":68.58,"end":71.795,"sentiment":"neutral","sentiment_score":0.021536631424995987},{"text":"So I just wanted to quickly run that by you, make sure we are putting the correct tick box on there, and then we're good to submit that.","start":71.795,"end":79.175,"sentiment":"neutral","sentiment_score":0.07720061684293407}],"sentiment":"neutral","sentiment_score":0.09778047023042116,"num_words":81,"start":53.385002,"end":79.175},{"sentences":[{"text":"Cool.","start":80.595,"end":81.075,"sentiment":"neutral","sentiment_score":0.13900187611579895},{"text":"So we had in the SOA that you were nominating your partner to receive.","start":81.075,"end":85.895,"sentiment":"neutral","sentiment_score":0.0625148539298347},{"text":"Yep.","start":86.86,"end":87.26,"sentiment":"neutral","sentiment_score":0.05746953934431076},{"text":"So spouse, a 100%.","start":87.26,"end":89.04,"sentiment":"neutral","sentiment_score":0.07782266661524773},{"text":"Now we did recommend, like, a non lapsing binding nomination.","start":89.18,"end":92.62,"sentiment":"neutral","sentiment_score":0.05701539106667042}],"sentiment":"neutral","sentiment_score":0.06510413158684969,"num_words":30,"start":80.595,"end":92.62},{"sentences":[{"text":"Do you remember the different types and what that means?","start":92.62,"end":95.12,"sentiment":"neutral","sentiment_score":0.021227506920695305},{"text":"No.","start":101.675,"end":101.915,"sentiment":"neutral","sentiment_score":-0.14826062321662903},{"text":"That's okay.","start":101.915,"end":102.475,"sentiment":"neutral","sentiment_score":-0.06961694359779358},{"text":"So to make it super easy for you, you've got two main choices.","start":102.475,"end":106.495,"sentiment":"neutral","sentiment_score":0.31692368995684844},{"text":"The first one is do you want it to be a lapsing or non lapsing, which means it expires every three years or it's continuous until you change it?","start":106.875,"end":115.53999,"sentiment":"neutral","sentiment_score":0.04015911100753423}],"sentiment":"neutral","sentiment_score":0.09471641359004107,"num_words":55,"start":92.62,"end":115.53999},{"sentences":[{"text":"Sensational.","start":118.0,"end":118.5,"sentiment":"neutral","sentiment_score":0.038922008126974106},{"text":"And this is a non lapsing.","start":118.799995,"end":122.259995,"sentiment":"neutral","sentiment_score":0.0072811266873031855},{"text":"Correct.","start":122.31999,"end":122.81999,"sentiment":"neutral","sentiment_score":0.043747611343860626},{"text":"The other thing?","start":123.84,"end":124.845,"sentiment":"neutral","sentiment_score":-0.028440649310747784},{"text":"It was just blank on the form.","start":125.725,"end":127.265,"sentiment":"neutral","sentiment_score":-0.07932622890387263}],"sentiment":"neutral","sentiment_score":-0.028569398370260995,"num_words":18,"start":118.0,"end":127.265},{"sentences":[{"text":"That's alright.","start":129.725,"end":130.465,"sentiment":"neutral","sentiment_score":0.0909360833466053},{"text":"The other option is whether you want it to be legally binding or nonbinding.","start":130.845,"end":135.105,"sentiment":"neutral","sentiment_score":0.02205321329113628},{"text":"It's a bit of a strange question, but there is actually a choice that you can have it nonbinding, so it's up to the superfund's discretion, or legally binding means they have to do it in a court of law.","start":135.485,"end":146.07,"sentiment":"neutral","sentiment_score":0.027981726615689696},{"text":"That's okay.","start":154.545,"end":155.10501,"sentiment":"neutral","sentiment_score":0.07642978802323341},{"text":"Most people do, like, a legally binding one because it's the most direct, and the super fund pretty much just has to do what you've put down on that form.","start":155.10501,"end":161.82501,"sentiment":"neutral","sentiment_score":0.11327196471393108}],"sentiment":"neutral","sentiment_score":0.058646644714330745,"num_words":88,"start":129.725,"end":161.82501},{"sentences":[{"text":"They don't have any wiggle.","start":161.82501,"end":163.045,"sentiment":"neutral","sentiment_score":-0.09106583744287491},{"text":"Yep.","start":164.19,"end":164.69,"sentiment":"positive","sentiment_score":0.4117898643016815},{"text":"Fantastic.","start":165.23,"end":165.73,"sentiment":"positive","sentiment_score":0.617980420589447},{"text":"So I'll put down a non lapsing binding.","start":166.03,"end":168.61,"sentiment":"neutral","sentiment_score":0.18304286058992147},{"text":"We can get that uploaded to hub twenty four tomorrow.","start":168.83,"end":171.39,"sentiment":"neutral","sentiment_score":0.19975594580173492}],"sentiment":"neutral","sentiment_score":0.161453737616539,"num_words":25,"start":161.82501,"end":171.39},{"sentences":[{"text":"Usually takes a couple days, and then that's all sorted.","start":171.39,"end":173.97,"sentiment":"neutral","sentiment_score":0.16073758751153946},{"text":"No.","start":175.805,"end":176.045,"sentiment":"neutral","sentiment_score":-0.14423440396785736},{"text":"Don't apologize at all.","start":176.045,"end":177.325,"sentiment":"neutral","sentiment_score":-0.18977460265159607},{"text":"Mate, we're here just to check and make sure it's all good.","start":177.325,"end":179.485,"sentiment":"neutral","sentiment_score":0.23246639221906662},{"text":"Just save you as filling out the form again.","start":179.485,"end":181.345,"sentiment":"neutral","sentiment_score":0.1781766778892941}],"sentiment":"neutral","sentiment_score":0.14158971856037775,"num_words":36,"start":171.39,"end":181.345},{"sentences":[{"text":"Cool.","start":182.44499,"end":182.94499,"sentiment":"positive","sentiment_score":0.4705840349197388},{"text":"Mate, your super all came in on the March 27.","start":183.325,"end":186.92499,"sentiment":"positive","sentiment_score":0.37527301609516145},{"text":"We've got it all invested.","start":186.92499,"end":188.385,"sentiment":"positive","sentiment_score":0.4275333762168884},{"text":"It's already jumped back up $7, so all the fees that you paid for us are already pretty much made up, and it's on the way up.","start":188.82,"end":195.38,"sentiment":"positive","sentiment_score":0.412082999392792},{"text":"You've kind of gone in at a perfect time because the stock market was at a real low in March, and it's just jumped back up since.","start":195.38,"end":201.72,"sentiment":"neutral","sentiment_score":0.06870899542614266}],"sentiment":"neutral","sentiment_score":0.2763194991009576,"num_words":70,"start":182.44499,"end":201.72},{"sentences":[{"text":"So three or 4% return straight away in a month is pretty good.","start":203.805,"end":206.92499,"sentiment":"positive","sentiment_score":0.7280801718051617},{"text":"Again, we're aiming for, like, 10% plus over a year, like, long term.","start":206.92499,"end":211.345,"sentiment":"neutral","sentiment_score":0.3284253661449139},{"text":"Cool.","start":213.08499,"end":213.58499,"sentiment":"positive","sentiment_score":0.4118060469627381},{"text":"The only other thing I wanted to go through with you was it's a bit of sensitive information, but it's just regarding your insurance application.","start":213.885,"end":219.66,"sentiment":"neutral","sentiment_score":-0.056189099550247194},{"text":"You do you remember that you've got the c bus cover, which we're keeping in place?","start":220.36,"end":224.46,"sentiment":"neutral","sentiment_score":0.0033370583987561986}],"sentiment":"neutral","sentiment_score":0.1881624042049653,"num_words":68,"start":203.805,"end":224.46},{"sentences":[{"text":"Yep.","start":226.52,"end":226.84,"sentiment":"neutral","sentiment_score":0.014528993517160416},{"text":"And then we were applying for a bit of a top up of life and TPD with a a separate insurer.","start":226.84,"end":232.10501,"sentiment":"neutral","sentiment_score":-0.02583482905867554},{"text":"Does that ring a bell?","start":232.10501,"end":233.16501,"sentiment":"neutral","sentiment_score":-0.025334645062685013},{"text":"No.","start":240.82501,"end":241.065,"sentiment":"neutral","sentiment_score":-0.32105541229248047},{"text":"That's the trauma.","start":241.065,"end":242.045,"sentiment":"negative","sentiment_score":-0.38711156447728473}],"sentiment":"neutral","sentiment_score":-0.0689376047662189,"num_words":31,"start":226.52,"end":242.045},{"sentences":[{"text":"So what I'll do, I've got your SOA in front of you, in front of me.","start":242.10501,"end":246.25,"sentiment":"neutral","sentiment_score":-0.14070079801604152},{"text":"Sorry.","start":246.25,"end":246.75,"sentiment":"neutral","sentiment_score":-0.10475340485572816},{"text":"So CBAS has a couple of $100 worth of life and disability insurance.","start":247.85,"end":252.27,"sentiment":"neutral","sentiment_score":-0.05610357998655392},{"text":"So if you pass away or you can never work again, there's your lump sum.","start":252.33,"end":255.79001,"sentiment":"neutral","sentiment_score":-0.15217134977380434},{"text":"We were doing the out of pocket one, that's trauma.","start":256.73,"end":259.695,"sentiment":"neutral","sentiment_score":-0.24004387259483337}],"sentiment":"neutral","sentiment_score":-0.14124221246350896,"num_words":55,"start":242.10501,"end":259.695},{"sentences":[{"text":"So that's heart attack, stroke, and cancer.","start":259.695,"end":261.875,"sentiment":"neutral","sentiment_score":-0.20549274768148149},{"text":"And on top of that, with the same insurer with MetLife, we were going to add on about a million dollars worth of life and TPD just to make sure all the debts are paid, incomes replaced, a big top up.","start":263.375,"end":275.53998,"sentiment":"neutral","sentiment_score":-0.001240748565689456},{"text":"Does that ring a bell?","start":275.53998,"end":276.59998,"sentiment":"neutral","sentiment_score":-0.02417258620262146},{"text":"Yep.","start":277.86,"end":278.18,"sentiment":"neutral","sentiment_score":-0.03897750377655029},{"text":"Now we've actually had a bit of a decline come back from the insurer after the medical check you had.","start":278.18,"end":283.3,"sentiment":"neutral","sentiment_score":-0.26651179417967796}],"sentiment":"neutral","sentiment_score":-0.09431616545063318,"num_words":74,"start":259.695,"end":283.3},{"sentences":[{"text":"I think you saw a doctor, and they may have done some checks and things like that.","start":283.3,"end":288.155,"sentiment":"neutral","sentiment_score":-0.08699982920113732},{"text":"So we actually had you listed down BMI wise at a weight of one eighteen kilos, and the doctor put down one eighty.","start":289.17502,"end":298.875,"sentiment":"neutral","sentiment_score":0.05319386753051177},{"text":"Yep.","start":302.67,"end":303.07,"sentiment":"neutral","sentiment_score":0.15385401248931885},{"text":"So what's happened is the one eighty, if that's correct, that pushes your BMI into the high category where they actually yeah.","start":303.07,"end":311.39,"sentiment":"neutral","sentiment_score":0.1456484958868135},{"text":"53 BMI.","start":311.39,"end":312.37,"sentiment":"neutral","sentiment_score":0.039921198040246964}],"sentiment":"neutral","sentiment_score":0.048960387305571486,"num_words":65,"start":283.3,"end":312.37},{"sentences":[{"text":"Now they cut it off after 45.","start":312.67,"end":314.93,"sentiment":"neutral","sentiment_score":-0.03917204774916172},{"text":"That's kind of the best you can do.","start":315.285,"end":317.70502,"sentiment":"neutral","sentiment_score":0.20762735046446323},{"text":"So when it's above that, they can't give you any insurances with any insurer on top of what you've already got.","start":318.08502,"end":324.185,"sentiment":"neutral","sentiment_score":-0.12248642458802178},{"text":"K?","start":326.165,"end":326.665,"sentiment":"neutral","sentiment_score":-0.010185622610151768},{"text":"So wanted to, first of all, just double check with you whether that was correct or whether there was a bit of a typo.","start":327.125,"end":332.93,"sentiment":"neutral","sentiment_score":-0.03096534637734294}],"sentiment":"neutral","sentiment_score":-0.031782858730217474,"num_words":61,"start":312.67,"end":332.93},{"sentences":[{"text":"Yeah.","start":348.675,"end":349.175,"sentiment":"neutral","sentiment_score":-0.07461942732334137},{"text":"And I did double check it a couple of times.","start":349.23502,"end":351.495,"sentiment":"neutral","sentiment_score":-0.17703357487916946},{"text":"No.","start":359.81,"end":360.05,"sentiment":"neutral","sentiment_score":-0.1402890980243683},{"text":"That's my yeah.","start":360.05,"end":364.15,"sentiment":"neutral","sentiment_score":-0.11380813767512639},{"text":"Yeah.","start":373.535,"end":374.035,"sentiment":"neutral","sentiment_score":-0.11614012718200684}],"sentiment":"neutral","sentiment_score":-0.1526755508966744,"num_words":16,"start":348.675,"end":374.035},{"sentences":[{"text":"No.","start":377.55002,"end":377.79,"sentiment":"neutral","sentiment_score":-0.16673283278942108},{"text":"No one yeah.","start":377.79,"end":379.55002,"sentiment":"neutral","sentiment_score":-0.11387353638807933},{"text":"The top up cover, no retail insurer offers it above 45.","start":379.55002,"end":383.73,"sentiment":"neutral","sentiment_score":-0.09855813363736327},{"text":"But the C bus one's still in force, and that one's still fine.","start":385.63,"end":388.845,"sentiment":"neutral","sentiment_score":-0.0639522157322902},{"text":"Correct.","start":395.405,"end":395.905,"sentiment":"neutral","sentiment_score":-0.09192882478237152}],"sentiment":"neutral","sentiment_score":-0.08675174280230341,"num_words":29,"start":377.55002,"end":395.905},{"sentences":[{"text":"Yeah.","start":402.78,"end":403.02,"sentiment":"neutral","sentiment_score":-0.06705082952976227},{"text":"It was like hang on.","start":403.02,"end":404.21997,"sentiment":"neutral","sentiment_score":-0.09017722010612488},{"text":"I've got it here in front of me.","start":404.21997,"end":405.75998,"sentiment":"neutral","sentiment_score":-0.07289366098120809},{"text":"Yeah.","start":408.21997,"end":408.53998,"sentiment":"neutral","sentiment_score":-0.011279091238975523},{"text":"It's just a basic, like, unitized stuff.","start":408.53998,"end":411.02,"sentiment":"neutral","sentiment_score":-0.020267539657652378}],"sentiment":"neutral","sentiment_score":-0.057010822125117884,"num_words":22,"start":402.78,"end":411.02},{"sentences":[{"text":"So based on your age, they basically give you two hundred and eight of life and one forty five of TPD, which is total disability.","start":411.02,"end":418.895,"sentiment":"neutral","sentiment_score":-0.018393602296710013},{"text":"Yep.","start":419.595,"end":420.095,"sentiment":"neutral","sentiment_score":-0.08405093848705292},{"text":"Yeah.","start":421.835,"end":422.335,"sentiment":"neutral","sentiment_score":-0.022290324792265892},{"text":"So I did have a bit of a go ahead.","start":423.755,"end":426.255,"sentiment":"neutral","sentiment_score":-0.007176738698035479},{"text":"I was just gonna say I did a bit of a double check on it because 118 and one 80 sound pretty similar when you speak it.","start":427.96,"end":433.71997,"sentiment":"neutral","sentiment_score":-0.06640116553063746}],"sentiment":"neutral","sentiment_score":-0.03798094026569743,"num_words":64,"start":411.02,"end":433.71997},{"sentences":[{"text":"And Yeah.","start":433.71997,"end":443.415,"sentiment":"neutral","sentiment_score":-0.09227661788463593},{"text":"And, look, I do apologize, like, if we've put down the wrong figure there and and given you a bum steer.","start":443.415,"end":448.235,"sentiment":"neutral","sentiment_score":-0.10649680789737474},{"text":"Sorry about that.","start":448.295,"end":449.275,"sentiment":"neutral","sentiment_score":-0.021967389310399692},{"text":"Yep.","start":450.71002,"end":451.11002,"sentiment":"neutral","sentiment_score":0.19622370600700376},{"text":"So one of the things that, obviously, from here, like, everything is looking pretty good.","start":451.11002,"end":454.79,"sentiment":"neutral","sentiment_score":0.3105669935544332}],"sentiment":"neutral","sentiment_score":0.056377148566146694,"num_words":42,"start":433.71997,"end":454.79},{"sentences":[{"text":"The sea bus is there.","start":454.79,"end":455.75,"sentiment":"positive","sentiment_score":0.3652391791343689},{"text":"You've got the cover in place.","start":455.75,"end":457.11002,"sentiment":"neutral","sentiment_score":0.2823840528726578},{"text":"The soup is growing.","start":457.11002,"end":458.25,"sentiment":"positive","sentiment_score":0.46317770332098007},{"text":"Everything is looking pretty sweet there.","start":458.39,"end":460.15002,"sentiment":"positive","sentiment_score":0.587394634882609},{"text":"It's just probably something where we've got to come back to the top up insurance in a year or two's time.","start":460.15002,"end":464.655,"sentiment":"neutral","sentiment_score":0.08973667362616175}],"sentiment":"neutral","sentiment_score":0.25671545194373246,"num_words":42,"start":454.79,"end":464.655},{"sentences":[{"text":"Yeah.","start":472.175,"end":472.415,"sentiment":"neutral","sentiment_score":0.1394510269165039},{"text":"Pretty much.","start":472.415,"end":472.975,"sentiment":"neutral","sentiment_score":0.15306033566594124},{"text":"Because once you hit forty five BMI, they'll give you the cover with a bit of a loading, like the price will be a bit more.","start":472.975,"end":479.075,"sentiment":"neutral","sentiment_score":0.040941030001984194},{"text":"Outside of that, every five BMI points, they chop it down further and further and further up until $30.35 is, like, the cleanest and the lowest price.","start":479.215,"end":490.65,"sentiment":"neutral","sentiment_score":0.18804559428934697},{"text":"Yep.","start":493.205,"end":493.365,"sentiment":"neutral","sentiment_score":0.13933812081813812}],"sentiment":"neutral","sentiment_score":0.11801066043737687,"num_words":57,"start":472.175,"end":493.365},{"sentences":[{"text":"So if you're comfortable with that, we'll basically that's okay.","start":493.365,"end":503.525,"sentiment":"neutral","sentiment_score":0.26770931854844093},{"text":"What we'll do is we always put a flag on the file.","start":503.525,"end":505.60498,"sentiment":"neutral","sentiment_score":0.28088454777995747},{"text":"So when we do the annual reviews with you, we'll talk through how everything's going.","start":505.60498,"end":509.84,"sentiment":"neutral","sentiment_score":0.2572321663300196},{"text":"Do we need to change anything with the super?","start":509.9,"end":511.74,"sentiment":"neutral","sentiment_score":0.06495854010184605},{"text":"Is there anything else that you're doing in your life or advice that you need?","start":511.74,"end":515.12,"sentiment":"neutral","sentiment_score":0.14808022379875183}],"sentiment":"neutral","sentiment_score":0.20839377822446042,"num_words":61,"start":493.365,"end":515.12},{"sentences":[{"text":"And then when we come back around to insurances, we'll talk about the c bus.","start":515.18,"end":519.02,"sentiment":"neutral","sentiment_score":0.06285128916303316},{"text":"We'll check if there's been any health changes.","start":519.02,"end":520.94,"sentiment":"neutral","sentiment_score":0.05078308191150427},{"text":"If there has been, we can just revisit it once it hits the threshold, and then we're pretty sweet.","start":520.94,"end":526.645,"sentiment":"neutral","sentiment_score":0.1196844020956441},{"text":"K.","start":527.425,"end":527.66504,"sentiment":"neutral","sentiment_score":0.09972815215587616},{"text":"Is that okay for you?","start":527.66504,"end":528.885,"sentiment":"neutral","sentiment_score":0.10229154825210571}],"sentiment":"neutral","sentiment_score":0.08821299012439947,"num_words":48,"start":515.18,"end":528.885},{"sentences":[{"text":"Cool.","start":530.78503,"end":531.025,"sentiment":"neutral","sentiment_score":0.2239515483379364},{"text":"Now I've like, as a senior adviser, I've obviously checked through the advice to see if there's anything that we need to change from that, but we were keeping the C bus in place already anyway.","start":531.025,"end":540.24,"sentiment":"neutral","sentiment_score":0.0012185104553484255},{"text":"And there was a bit of a mention of let me just pull it up for a quick sec.","start":540.77997,"end":545.92,"sentiment":"neutral","sentiment_score":0.01015413581932846},{"text":"Through the union that you may have had some cover and protection with them through the employment and the union.","start":546.94,"end":553.04504,"sentiment":"neutral","sentiment_score":0.019564204011112453},{"text":"Does that ring a bell as well?","start":553.04504,"end":554.505,"sentiment":"neutral","sentiment_score":0.032913567764418464}],"sentiment":"neutral","sentiment_score":0.01304127180567348,"num_words":83,"start":530.78503,"end":554.505},{"sentences":[{"text":"Yeah.","start":557.925,"end":558.325,"sentiment":"neutral","sentiment_score":-0.022491859272122383},{"text":"It mentions here that you had an EBA and IncoLink.","start":558.325,"end":565.0,"sentiment":"neutral","sentiment_score":-0.08441966585814953},{"text":"Yep.","start":575.795,"end":576.295,"sentiment":"neutral","sentiment_score":-0.0012014198582619429},{"text":"Yeah.","start":609.825,"end":610.145,"sentiment":"neutral","sentiment_score":0.03157903626561165},{"text":"I mean, depending on it makes perfect sense.","start":610.145,"end":613.64,"sentiment":"neutral","sentiment_score":0.20080210082232952}],"sentiment":"neutral","sentiment_score":0.03667170976820801,"num_words":21,"start":557.925,"end":613.64},{"sentences":[{"text":"It reminds me of the old friendly societies.","start":613.64,"end":616.04,"sentiment":"neutral","sentiment_score":0.062094852328300476},{"text":"I don't know if you ever remember the old charity friendly societies from fifty years ago.","start":616.04,"end":619.98,"sentiment":"neutral","sentiment_score":0.0008831435116007924},{"text":"So yeah.","start":622.27997,"end":624.04,"sentiment":"neutral","sentiment_score":0.0033077169209718704},{"text":"So back in the day in Australia, back before everyone had, like, know, big insurance companies and super funds and everything, people used to be part of not only unions but friendly societies.","start":624.04,"end":633.44495,"sentiment":"neutral","sentiment_score":0.017613350329073994},{"text":"And, you know, you'd have a small town somewhere, a farming community, and they'd all pull this money together.","start":633.44495,"end":638.58496,"sentiment":"neutral","sentiment_score":0.02306005790045387}],"sentiment":"neutral","sentiment_score":0.019703669354128532,"num_words":78,"start":613.64,"end":638.58496},{"sentences":[{"text":"So if someone was off work, redundant, or injured, it would help protect them and their family in the events of death and disability.","start":638.725,"end":645.57,"sentiment":"neutral","sentiment_score":-0.03959941390591363},{"text":"So, look, I would love to get some info on that if they do have any documents that they've given you, any policies or EBAs.","start":647.79,"end":656.13,"sentiment":"neutral","sentiment_score":0.02729998268187046},{"text":"Yeah.","start":683.185,"end":683.505,"sentiment":"neutral","sentiment_score":-0.008021209388971329},{"text":"It goes through the process document and doctor stuff.","start":683.505,"end":686.405,"sentiment":"neutral","sentiment_score":-0.03342977290352186},{"text":"Yeah.","start":697.36,"end":697.60004,"sentiment":"neutral","sentiment_score":0.14089447259902954}],"sentiment":"neutral","sentiment_score":-0.007264684326946736,"num_words":60,"start":638.725,"end":697.60004},{"sentences":[{"text":"Run.","start":697.60004,"end":698.10004,"sentiment":"neutral","sentiment_score":0.11832593381404875},{"text":"Yeah.","start":714.015,"end":714.335,"sentiment":"neutral","sentiment_score":-0.01651221327483654},{"text":"And that's gonna be one of the biggest things for you is if you're out of work for a small period of time, like six months, nine months, having, like, mortgage payments covered and things like that for something out of work, that's perfect.","start":714.335,"end":725.21,"sentiment":"neutral","sentiment_score":-0.013055166229605675},{"text":"Yes.","start":730.23,"end":730.73,"sentiment":"neutral","sentiment_score":-0.04359062761068344},{"text":"Yep.","start":754.57996,"end":755.07996,"sentiment":"neutral","sentiment_score":-0.10245218127965929}],"sentiment":"neutral","sentiment_score":-0.012888675051120421,"num_words":48,"start":697.60004,"end":755.07996},{"sentences":[{"text":"Yeah.","start":759.475,"end":759.875,"sentiment":"neutral","sentiment_score":-0.04951426759362221},{"text":"It's a one off.","start":759.875,"end":760.935,"sentiment":"neutral","sentiment_score":-0.12165128625929356},{"text":"Yeah.","start":765.075,"end":765.575,"sentiment":"neutral","sentiment_score":-0.04147357493638992},{"text":"Mate, what I always say is the truth's always somewhere in the middle.","start":779.65,"end":782.505,"sentiment":"neutral","sentiment_score":0.07265180693222927},{"text":"You get two sides of the coin, and it's somewhere in the middle.","start":782.505,"end":785.325,"sentiment":"neutral","sentiment_score":0.04336889002185602}],"sentiment":"neutral","sentiment_score":0.02908362727612257,"num_words":32,"start":759.475,"end":785.325},{"sentences":[{"text":"Yeah.","start":795.0,"end":795.32,"sentiment":"neutral","sentiment_score":0.06976640224456787},{"text":"So at least the income protection is the important bit because even in the the trauma side, like, there's still the public health system.","start":795.32,"end":801.4,"sentiment":"neutral","sentiment_score":0.04489333710322777},{"text":"If you have a heart attack or something, you go into an emergency room.","start":801.4,"end":803.96,"sentiment":"neutral","sentiment_score":-0.040039176254400184},{"text":"Someone's gonna look after you.","start":803.96,"end":805.4,"sentiment":"neutral","sentiment_score":0.007749428227543831},{"text":"It's more of the things like, does your partner need to take some time off work to look after you at home?","start":805.4,"end":810.265,"sentiment":"neutral","sentiment_score":-0.0003042965280738744}],"sentiment":"neutral","sentiment_score":0.009374403676977663,"num_words":66,"start":795.0,"end":810.265},{"sentences":[{"text":"Gives a bit of financial space, which that may even cover a little bit.","start":810.265,"end":814.20496,"sentiment":"neutral","sentiment_score":-0.0015447045942502363},{"text":"So if if I can't like, if it's not too trouble and you can get some information through to us, I would love to have it on file so that when we come back to it in a year or two, I can look at covering any gaps.","start":815.305,"end":825.51,"sentiment":"neutral","sentiment_score":0.13562280190914558},{"text":"Yeah.","start":827.65,"end":827.97003,"sentiment":"neutral","sentiment_score":0.22451108694076535},{"text":"That'd be fantastic.","start":827.97003,"end":828.95,"sentiment":"positive","sentiment_score":0.4144689937432607},{"text":"Because, again, I'm assuming do you pay anything through your your payslip for it?","start":829.01,"end":833.33,"sentiment":"neutral","sentiment_score":0.03070318406181676}],"sentiment":"neutral","sentiment_score":0.10482539090444334,"num_words":80,"start":810.265,"end":833.33},{"sentences":[{"text":"Or yep.","start":833.33,"end":839.66504,"sentiment":"neutral","sentiment_score":0.008636040263809264},{"text":"But that goes towards that.","start":839.66504,"end":841.365,"sentiment":"neutral","sentiment_score":-0.0068642210215330126},{"text":"Yeah.","start":851.83997,"end":852.33997,"sentiment":"neutral","sentiment_score":0.017809104174375534},{"text":"I kinda love that because there's no no one's allowed to do redundancy insurance in Australia except for the the Union and Centrelink.","start":872.35,"end":879.57,"sentiment":"neutral","sentiment_score":0.04602173675337563},{"text":"And the fact that you've got it, that's fantastic.","start":879.71,"end":881.81,"sentiment":"positive","sentiment_score":0.6658992005719079}],"sentiment":"neutral","sentiment_score":0.1763088207517285,"num_words":40,"start":833.33,"end":881.81},{"sentences":[{"text":"Yeah.","start":892.525,"end":892.84503,"sentiment":"neutral","sentiment_score":0.0029052384197711945},{"text":"You're not looking to change work soon, are you?","start":892.84503,"end":894.99,"sentiment":"neutral","sentiment_score":-0.05387273617088795},{"text":"Yeah.","start":906.67,"end":906.99,"sentiment":"neutral","sentiment_score":0.08234811574220657},{"text":"And, like, even looking at the way you you're super going up and you're on that 6 figure salary, mate, you're already well ahead of everyone for your age.","start":906.99,"end":913.895,"sentiment":"neutral","sentiment_score":0.14674110196787735},{"text":"So, like, if if you can maintain that and use that cash flow Cool.","start":913.895,"end":918.795,"sentiment":"neutral","sentiment_score":0.1174836629735572}],"sentiment":"neutral","sentiment_score":0.10186411050596723,"num_words":54,"start":892.525,"end":918.795},{"sentences":[{"text":"Yep.","start":923.83,"end":924.33,"sentiment":"neutral","sentiment_score":0.06425690650939941},{"text":"Yeah.","start":924.71,"end":925.21,"sentiment":"neutral","sentiment_score":0.009750671684741974},{"text":"Yeah.","start":941.44495,"end":941.76495,"sentiment":"neutral","sentiment_score":0.2051701992750168},{"text":"Yeah.","start":941.76495,"end":942.26495,"sentiment":"neutral","sentiment_score":0.1975843906402588},{"text":"Correct.","start":949.06,"end":949.56,"sentiment":"neutral","sentiment_score":0.16380512714385986}],"sentiment":"neutral","sentiment_score":0.12811345905065535,"num_words":5,"start":923.83,"end":949.56},{"sentences":[{"text":"It's the first one.","start":962.915,"end":963.955,"sentiment":"neutral","sentiment_score":0.013943405938334763},{"text":"So what we do is the contributions going in there make sure that there's a tag on your account so it stays active because if that goes inactive, they'll close it.","start":963.955,"end":972.18,"sentiment":"neutral","sentiment_score":0.04268204625095091},{"text":"And then when we do the annual reviews, we'll revisit how much it's going up to, and then everything above what we need to keep, we'll just move it across.","start":973.22,"end":981.88,"sentiment":"neutral","sentiment_score":0.1710759237408638},{"text":"Yeah.","start":987.395,"end":987.795,"sentiment":"neutral","sentiment_score":-0.015146443620324137},{"text":"And, look, I think we kept in there was it $10 to start with?","start":987.795,"end":991.875,"sentiment":"neutral","sentiment_score":-0.010245469199227435}],"sentiment":"neutral","sentiment_score":0.07940764696686528,"num_words":80,"start":962.915,"end":991.875},{"sentences":[{"text":"I'm just gonna look.","start":991.875,"end":992.855,"sentiment":"neutral","sentiment_score":-0.010534748784266412},{"text":"Yeah.","start":997.09,"end":997.59,"sentiment":"neutral","sentiment_score":-0.005765907466411591},{"text":"Oh, that is a great question because if you're comfortable to actually split your contributions, do you think work would do it for you and pay up?","start":1027.6,"end":1035.105,"sentiment":"neutral","sentiment_score":0.29957377082771725},{"text":"Yeah.","start":1049.76,"end":1050.26,"sentiment":"neutral","sentiment_score":0.014261644333600998},{"text":"Yeah.","start":1064.495,"end":1064.895,"sentiment":"neutral","sentiment_score":-0.04183176159858704}],"sentiment":"neutral","sentiment_score":0.23567696448470302,"num_words":34,"start":991.875,"end":1064.895},{"sentences":[{"text":"It'll be worth checking.","start":1064.895,"end":1066.115,"sentiment":"neutral","sentiment_score":-0.21891772747039795},{"text":"Yep.","start":1081.9501,"end":1082.4501,"sentiment":"neutral","sentiment_score":0.04193955659866333},{"text":"So let me just go are you paid monthly, fortnightly?","start":1082.75,"end":1086.13,"sentiment":"neutral","sentiment_score":0.03525358494371176},{"text":"Weekly.","start":1087.825,"end":1088.325,"sentiment":"neutral","sentiment_score":0.11199317127466202},{"text":"That's sensational.","start":1088.385,"end":1089.2849,"sentiment":"positive","sentiment_score":0.4704394042491913}],"sentiment":"neutral","sentiment_score":0.03175980421817965,"num_words":18,"start":1064.895,"end":1089.2849},{"sentences":[{"text":"Okay.","start":1089.4249,"end":1089.9249,"sentiment":"neutral","sentiment_score":0.1115703582763672},{"text":"So Yes.","start":1090.065,"end":1108.74,"sentiment":"neutral","sentiment_score":-0.00013451464474201202},{"text":"Yeah.","start":1108.88,"end":1109.2,"sentiment":"neutral","sentiment_score":-0.030900631099939343},{"text":"Yeah.","start":1109.2,"end":1109.7,"sentiment":"neutral","sentiment_score":-0.07579728960990906},{"text":"Yeah.","start":1119.9349,"end":1120.4349,"sentiment":"neutral","sentiment_score":-0.09855026006698608}],"sentiment":"neutral","sentiment_score":-0.015657808631658554,"num_words":6,"start":1089.4249,"end":1120.4349},{"sentences":[{"text":"So we've just got to be careful obviously on on caps to make sure we don't go over.","start":1120.655,"end":1125.075,"sentiment":"neutral","sentiment_score":-0.16460690233442518},{"text":"They're increasing it next financial year to thirty two and a half.","start":1125.35,"end":1128.5701,"sentiment":"neutral","sentiment_score":0.07080281836291154},{"text":"So, like, ideally, your premiums with C plus are pretty low.","start":1129.99,"end":1134.5701,"sentiment":"neutral","sentiment_score":0.13685508984649045},{"text":"So it doesn't need that much to be in there to keep it going.","start":1134.79,"end":1138.73,"sentiment":"neutral","sentiment_score":0.18067927019936697},{"text":"I'm just having a quick look.","start":1139.325,"end":1140.205,"sentiment":"neutral","sentiment_score":0.17088909695545831}],"sentiment":"neutral","sentiment_score":0.048310818543779804,"num_words":61,"start":1120.655,"end":1140.205},{"sentences":[{"text":"$681.60 a year.","start":1140.205,"end":1142.5449,"sentiment":"neutral","sentiment_score":0.09001626074314117},{"text":"So, realistically, if you're averaging a 125 a week salary sacrifice going in, like the 5% that you're talking about, that would keep it going.","start":1142.765,"end":1153.45,"sentiment":"neutral","sentiment_score":0.29876974016427993},{"text":"No problems at all.","start":1153.45,"end":1154.49,"sentiment":"positive","sentiment_score":0.5779149979352951},{"text":"And your main contributions can go over the hub, and then you get it invested gradually through the year, which is much better.","start":1154.49,"end":1160.67,"sentiment":"positive","sentiment_score":0.5914838832357655},{"text":"So if they can split it, that'd be good.","start":1161.93,"end":1164.11,"sentiment":"positive","sentiment_score":0.5513894922203488}],"sentiment":"positive","sentiment_score":0.4471497972263023,"num_words":64,"start":1140.205,"end":1164.11},{"sentences":[{"text":"The only thing I wanna double check quickly is when it comes to your income, do you know what your year to date is for this financial year?","start":1165.1951,"end":1174.0951,"sentiment":"neutral","sentiment_score":0.03258628863841295},{"text":"Thank you.","start":1176.475,"end":1177.26,"sentiment":"neutral","sentiment_score":0.23751967400312424},{"text":"Yes.","start":1188.78,"end":1189.28,"sentiment":"neutral","sentiment_score":0.046080365777015686},{"text":"Yes.","start":1189.485,"end":1189.985,"sentiment":"neutral","sentiment_score":0.04383907467126846},{"text":"Yeah.","start":1195.325,"end":1195.825,"sentiment":"neutral","sentiment_score":0.0489099845290184}],"sentiment":"neutral","sentiment_score":0.04625105620785193,"num_words":33,"start":1165.1951,"end":1195.825},{"sentences":[{"text":"Yeah.","start":1201.165,"end":1201.565,"sentiment":"neutral","sentiment_score":0.10765403509140016},{"text":"Right.","start":1201.565,"end":1201.8049,"sentiment":"neutral","sentiment_score":0.13290712237358093},{"text":"So that does sound like it's incorporating the whole year.","start":1201.8049,"end":1204.385,"sentiment":"neutral","sentiment_score":0.18332375586032867},{"text":"K.","start":1206.36,"end":1206.86,"sentiment":"neutral","sentiment_score":0.04581989347934723},{"text":"So I'll give you an example.","start":1214.12,"end":1215.5,"sentiment":"neutral","sentiment_score":0.03255665178100268}],"sentiment":"neutral","sentiment_score":0.12183992211755953,"num_words":19,"start":1201.165,"end":1215.5},{"sentences":[{"text":"Let's say you end up with $2.30, just for argument's sake.","start":1215.5599,"end":1219.155,"sentiment":"neutral","sentiment_score":0.040528634055094284},{"text":"If you get your 12% contributions, that's 27,600 out of the 30.","start":1220.355,"end":1227.415,"sentiment":"neutral","sentiment_score":0.07529328453044097},{"text":"And then oh, hang on.","start":1228.035,"end":1229.875,"sentiment":"neutral","sentiment_score":0.0077996630221605304},{"text":"Let me just do the old work back just to make sure I haven't point 02/2017.","start":1229.875,"end":1239.43,"sentiment":"neutral","sentiment_score":-0.0007513672462664545},{"text":"Yeah.","start":1244.2251,"end":1244.625,"sentiment":"neutral","sentiment_score":0.05656789615750313}],"sentiment":"neutral","sentiment_score":0.03184174942887492,"num_words":45,"start":1215.5599,"end":1244.625},{"sentences":[{"text":"So one of the things that'll happen is if your salary is sacrificing 5% and you end up with $230, you could have 39 go in there for the year, and you go a little bit above the cap.","start":1244.625,"end":1254.9651,"sentiment":"neutral","sentiment_score":0.03521762559047112},{"text":"Now Yeah.","start":1256.48,"end":1258.6399,"sentiment":"neutral","sentiment_score":-0.02761410642415285},{"text":"And then what ends up happening?","start":1258.6399,"end":1260.1799,"sentiment":"neutral","sentiment_score":-0.060511691495776176},{"text":"So two things.","start":1260.24,"end":1261.7,"sentiment":"neutral","sentiment_score":-0.03359221977492174},{"text":"First, they use up any unused cap for the last five financial years going backwards.","start":1261.76,"end":1266.1799,"sentiment":"neutral","sentiment_score":-0.12468376159667968}],"sentiment":"neutral","sentiment_score":-0.015628369954916146,"num_words":65,"start":1244.625,"end":1266.1799},{"sentences":[{"text":"Yep.","start":1268.735,"end":1268.975,"sentiment":"neutral","sentiment_score":0.022256558761000633},{"text":"You reckon you've kind of hit that 200 mark five years in Iraq?","start":1268.975,"end":1272.275,"sentiment":"neutral","sentiment_score":-0.021701935678720474},{"text":"Uh-huh.","start":1304.22,"end":1304.72,"sentiment":"neutral","sentiment_score":-0.02318420447409153},{"text":"Right.","start":1319.515,"end":1319.8351,"sentiment":"neutral","sentiment_score":0.31531083583831787},{"text":"Okay.","start":1319.8351,"end":1320.235,"sentiment":"positive","sentiment_score":0.40964198112487793}],"sentiment":"neutral","sentiment_score":0.025994118083925807,"num_words":17,"start":1268.735,"end":1320.235},{"sentences":[{"text":"Perfect.","start":1320.235,"end":1320.635,"sentiment":"positive","sentiment_score":0.5637689828872681},{"text":"So there's a couple of things that we can do.","start":1320.635,"end":1323.1951,"sentiment":"neutral","sentiment_score":0.20120041966438293},{"text":"There's two things.","start":1323.1951,"end":1324.3351,"sentiment":"neutral","sentiment_score":0.07382032771905263},{"text":"Either we do, like, usual quarterly catch ups just to see how you're going if you're comfortable with that frequency of contact.","start":1324.555,"end":1331.3401,"sentiment":"neutral","sentiment_score":0.09854367239908739},{"text":"And k.","start":1331.8,"end":1334.2001,"sentiment":"neutral","sentiment_score":0.1256948485970497}],"sentiment":"neutral","sentiment_score":0.13727854349111257,"num_words":38,"start":1320.235,"end":1334.2001},{"sentences":[{"text":"And then if the contributions start, like, hitting cap territory next year, we can obviously be like, hey.","start":1334.2001,"end":1339.64,"sentiment":"neutral","sentiment_score":0.09712085790104336},{"text":"Pause your salary sacrifice, that kind of thing.","start":1339.64,"end":1341.915,"sentiment":"neutral","sentiment_score":0.04193664528429508},{"text":"Yes.","start":1367.3849,"end":1367.8849,"sentiment":"neutral","sentiment_score":0.31097257137298584},{"text":"Yeah.","start":1381.64,"end":1381.88,"sentiment":"neutral","sentiment_score":0.1204209327697754},{"text":"Okay.","start":1381.88,"end":1382.2799,"sentiment":"neutral","sentiment_score":0.1329827606678009}],"sentiment":"neutral","sentiment_score":0.09131189204495528,"num_words":29,"start":1334.2001,"end":1382.2799},{"sentences":[{"text":"And do you have I mean, you're still working on finishing off that mortgage.","start":1382.2799,"end":1385.88,"sentiment":"neutral","sentiment_score":0.08237340673804283},{"text":"Right?","start":1385.88,"end":1386.38,"sentiment":"neutral","sentiment_score":0.22919005155563352},{"text":"Okay.","start":1387.72,"end":1388.0399,"sentiment":"neutral","sentiment_score":0.1353580355644226},{"text":"I don't want to overcomplicate things, but there is another option that you don't do any salary sacrifice and you pull it all up in your offset account the whole year, and it's offsetting your mortgage.","start":1388.0399,"end":1397.855,"sentiment":"neutral","sentiment_score":0.071491621227728},{"text":"And then June comes, you flick in the rest to top you up to $30 and get the tax deduction.","start":1397.855,"end":1402.8351,"sentiment":"neutral","sentiment_score":0.2660458400845528}],"sentiment":"neutral","sentiment_score":0.13072765204641554,"num_words":72,"start":1382.2799,"end":1402.8351},{"sentences":[{"text":"Yes.","start":1418.8451,"end":1419.3451,"sentiment":"neutral","sentiment_score":0.09047383815050124},{"text":"I I would a 100% do that.","start":1436.46,"end":1438.0599,"sentiment":"neutral","sentiment_score":0.32466318139008116},{"text":"Like, I'm I'm not trying to, like, overstep the bounds here, but the way I'm thinking of it is you're already at a huge amount of super few rage.","start":1438.0599,"end":1444.515,"sentiment":"neutral","sentiment_score":0.036379139372629335},{"text":"You're on 6 figures.","start":1444.515,"end":1445.555,"sentiment":"positive","sentiment_score":0.38797786831855774},{"text":"You're in a pretty good growth fund.","start":1445.555,"end":1447.255,"sentiment":"positive","sentiment_score":0.6621268306459699}],"sentiment":"neutral","sentiment_score":0.20010230078090294,"num_words":48,"start":1418.8451,"end":1447.255},{"sentences":[{"text":"That's gonna get to a pretty massive amount by 60 anyway.","start":1447.395,"end":1450.375,"sentiment":"positive","sentiment_score":0.6348824067549272},{"text":"And even if you end up like, let's say you keep earning 200 plus, and even if the top up at the end of the year is only 4 or $5 or something, it's so much better to have that mortgage down.","start":1451.555,"end":1461.03,"sentiment":"neutral","sentiment_score":0.17626483960165865},{"text":"If you've got the discipline to make sure it keeps pulling in there and you're not spending it, that's gonna get you ahead personally a lot more, and the super is gonna take care of itself.","start":1461.03,"end":1469.2101,"sentiment":"positive","sentiment_score":0.3579411432147026},{"text":"Yeah.","start":1492.46,"end":1492.96,"sentiment":"neutral","sentiment_score":0.12991954386234283},{"text":"All that means is that we cannot do this whole two contributions to two super funds thing, but it's gonna be so much better for you in the personal run and your own assets and your personal name.","start":1493.02,"end":1503.025,"sentiment":"neutral","sentiment_score":0.19964226443124444}],"sentiment":"neutral","sentiment_score":0.27335184754338115,"num_words":128,"start":1447.395,"end":1503.025},{"sentences":[{"text":"I would much rather you do that.","start":1504.205,"end":1505.985,"sentiment":"neutral","sentiment_score":0.012269375047513418},{"text":"Oh, yeah.","start":1526.3151,"end":1526.715,"sentiment":"neutral","sentiment_score":-0.031393833458423615},{"text":"No.","start":1526.715,"end":1526.875,"sentiment":"neutral","sentiment_score":-0.15282604098320007},{"text":"Absolutely.","start":1526.875,"end":1527.375,"sentiment":"neutral","sentiment_score":-0.07276228815317154},{"text":"Like, honestly, even if you put in $500 a year, that'll last you five, ten years pretty easily.","start":1527.515,"end":1532.975,"sentiment":"positive","sentiment_score":0.46947414179642993}],"sentiment":"neutral","sentiment_score":0.28441531660741776,"num_words":29,"start":1504.205,"end":1532.975},{"sentences":[{"text":"I think so.","start":1541.2899,"end":1542.01,"sentiment":"neutral","sentiment_score":0.21005904177824655},{"text":"Like, look, I'd wanna boost up your super as much as we can because, obviously, that's what we're looking after, and that's what we're charging you for.","start":1542.01,"end":1547.5299,"sentiment":"positive","sentiment_score":0.4289781793400093},{"text":"But your other goals have to come into account, and I can take care of things here pretty easily with what you've given me already.","start":1547.5299,"end":1553.665,"sentiment":"positive","sentiment_score":0.5831042999029159},{"text":"And, mate, I would be focused on that mortgage because it gives you all this freedom.","start":1554.045,"end":1557.745,"sentiment":"positive","sentiment_score":0.4261313695460558},{"text":"Mortgage is paid off.","start":1557.9651,"end":1559.005,"sentiment":"neutral","sentiment_score":0.14002179726958275}],"sentiment":"positive","sentiment_score":0.4555784608920415,"num_words":75,"start":1541.2899,"end":1559.005},{"sentences":[{"text":"Oh, I'm gonna go for a holiday now.","start":1559.005,"end":1560.3651,"sentiment":"neutral","sentiment_score":0.17250666487962008},{"text":"We'll buy an investment property.","start":1560.3651,"end":1561.7251,"sentiment":"neutral","sentiment_score":0.1375882625579834},{"text":"All all that stuff opens up.","start":1561.7251,"end":1563.12,"sentiment":"neutral","sentiment_score":0.048146406499048076},{"text":"Yeah.","start":1601.5651,"end":1602.045,"sentiment":"neutral","sentiment_score":-0.021900860592722893},{"text":"It would fluctuate, though, wouldn't it?","start":1602.045,"end":1603.5651,"sentiment":"neutral","sentiment_score":-0.04057350320120653}],"sentiment":"neutral","sentiment_score":0.08044350734696938,"num_words":26,"start":1559.005,"end":1603.5651},{"sentences":[{"text":"If you do your overtime, they're gonna pay you super as well.","start":1603.5651,"end":1606.305,"sentiment":"neutral","sentiment_score":-0.06957356197138627},{"text":"Yeah.","start":1633.5149,"end":1633.835,"sentiment":"neutral","sentiment_score":0.20122310519218445},{"text":"Yeah.","start":1633.835,"end":1634.335,"sentiment":"neutral","sentiment_score":0.19114232063293457},{"text":"Okay.","start":1638.49,"end":1638.99,"sentiment":"neutral","sentiment_score":0.1655348539352417},{"text":"Yeah.","start":1649.385,"end":1649.705,"sentiment":"neutral","sentiment_score":0.09179536998271942}],"sentiment":"neutral","sentiment_score":-0.011574193369597197,"num_words":16,"start":1603.5651,"end":1649.705},{"sentences":[{"text":"Yeah.","start":1649.705,"end":1650.205,"sentiment":"neutral","sentiment_score":0.0866762101650238},{"text":"Okay.","start":1656.105,"end":1656.585,"sentiment":"neutral","sentiment_score":0.08544576168060303},{"text":"So Yeah.","start":1656.585,"end":1672.775,"sentiment":"neutral","sentiment_score":0.08935841917991638},{"text":"Well, that means you kinda get the best of both worlds because if they're putting in, let's say, 130 is your base on the forty hours, and that's $15.06 going in, well, to get to the cap, it's $2.77 a week before tax, which if you salary sacrifice, it gives you an instant tax deduction in the weekly pay.","start":1672.775,"end":1692.08,"sentiment":"neutral","sentiment_score":0.1807279367063005},{"text":"So you put in $2.77.","start":1692.08,"end":1693.84,"sentiment":"neutral","sentiment_score":0.041793815046548846}],"sentiment":"neutral","sentiment_score":0.16504053163396962,"num_words":68,"start":1649.705,"end":1693.84},{"sentences":[{"text":"It costs you 200 in the pay packet.","start":1693.84,"end":1695.78,"sentiment":"neutral","sentiment_score":0.04847752442583442},{"text":"So you could potentially do something like that where you put in, say, if if you can confirm that it's, like, $1.30 base and that's what the super is coming off at, you put in $2.75, $2.70, $2.50, whatever it is as a flat amount, and the rest all goes into the offset.","start":1697.52,"end":1713.0,"sentiment":"neutral","sentiment_score":0.09097753120761998},{"text":"Yep.","start":1728.375,"end":1728.875,"sentiment":"positive","sentiment_score":0.4042995870113373},{"text":"Yeah.","start":1749.1901,"end":1749.67,"sentiment":"positive","sentiment_score":0.33835649490356445},{"text":"It it'll be a bit of a process because we'd be calling you in May saying, hey, mate.","start":1749.67,"end":1754.2151,"sentiment":"neutral","sentiment_score":0.2694057400027911}],"sentiment":"neutral","sentiment_score":0.13335294754784785,"num_words":81,"start":1693.84,"end":1754.2151},{"sentences":[{"text":"Can you put this over in June?","start":1754.2151,"end":1755.8351,"sentiment":"neutral","sentiment_score":0.04607286410672324},{"text":"Here's a form.","start":1755.895,"end":1756.615,"sentiment":"neutral","sentiment_score":0.03496161475777626},{"text":"Fill out the claim it.","start":1756.615,"end":1757.5751,"sentiment":"neutral","sentiment_score":0.05361504107713699},{"text":"Make sure you give it to your accountant before you do your tax return.","start":1757.5751,"end":1760.615,"sentiment":"neutral","sentiment_score":0.057226431156907766},{"text":"Like, we make it as easy as we can, but it is a tiny bit more of a process.","start":1760.615,"end":1764.635,"sentiment":"neutral","sentiment_score":0.1797514671557828}],"sentiment":"neutral","sentiment_score":0.10233162522005539,"num_words":48,"start":1754.2151,"end":1764.635},{"sentences":[{"text":"So, like, if you can see if they will do a bit of a splitting, that's that's totally cool because in that way, you can get both accounts rolling.","start":1766.96,"end":1775.14,"sentiment":"neutral","sentiment_score":0.24827745325606446},{"text":"Yeah.","start":1788.655,"end":1789.11,"sentiment":"neutral","sentiment_score":-0.005283895879983902},{"text":"Yep.","start":1806.485,"end":1806.985,"sentiment":"neutral","sentiment_score":0.022694241255521774},{"text":"And that'll work out really well figures wise because the way I'm looking at it is the this the SGC that they're paying on your wages, that's almost the equivalent of what you're about to salary sacrifice as a flat amount.","start":1816.9,"end":1828.74,"sentiment":"neutral","sentiment_score":0.09100414494552263},{"text":"So it's pretty much an equal amount, and it's just splitting your contributions fifty fifty to two accounts.","start":1828.74,"end":1833.775,"sentiment":"neutral","sentiment_score":0.05305249595807658}],"sentiment":"neutral","sentiment_score":0.1322619039979246,"num_words":90,"start":1766.96,"end":1833.775},{"sentences":[{"text":"And then once the bus builds up, we can do that little top up rollover from that side as well.","start":1833.995,"end":1839.215,"sentiment":"neutral","sentiment_score":0.05474219145253301},{"text":"Yeah.","start":1842.81,"end":1843.05,"sentiment":"neutral","sentiment_score":0.1860182136297226},{"text":"Cool.","start":1843.05,"end":1843.37,"sentiment":"neutral","sentiment_score":0.22614675760269165},{"text":"So what I might do, I'm gonna send you a record of advice, which is basically the same statement of advice you already signed.","start":1843.37,"end":1851.61,"sentiment":"neutral","sentiment_score":-0.0018023714267959197},{"text":"Just update it with the plan going forward.","start":1851.61,"end":1853.79,"sentiment":"neutral","sentiment_score":0.12374560348689556}],"sentiment":"neutral","sentiment_score":0.045439198406206235,"num_words":54,"start":1833.995,"end":1853.79},{"sentences":[{"text":"I'll put in there $1.30 base income, usual income between 2, two thirty, and then we'll say from 5% salary sacrifice to a flat amount of about $2.75.","start":1853.93,"end":1865.385,"sentiment":"neutral","sentiment_score":0.03279301843472889},{"text":"And then if you can maybe get a hold of if you've got that information for the income protection through work through the union, sorry.","start":1867.8451,"end":1876.1,"sentiment":"neutral","sentiment_score":0.038678368255496025},{"text":"I can Right.","start":1876.88,"end":1909.985,"sentiment":"neutral","sentiment_score":0.024029927949110668},{"text":"Yeah.","start":1920.62,"end":1921.0199,"sentiment":"neutral","sentiment_score":-0.015092529356479645},{"text":"And outside of going back through that's the thing.","start":1921.0199,"end":1923.4199,"sentiment":"neutral","sentiment_score":-0.046850101815329656}],"sentiment":"neutral","sentiment_score":0.023038031222919624,"num_words":66,"start":1853.93,"end":1923.4199},{"sentences":[{"text":"The overtime is gonna mask it if I go through your old super statements to work it back from your contributions.","start":1923.4199,"end":1928.1599,"sentiment":"neutral","sentiment_score":-0.044074922489623226},{"text":"So if they can even just give you, like, here's your actual base and your gross income.","start":1928.7,"end":1933.895,"sentiment":"neutral","sentiment_score":0.05819776369368329},{"text":"Yep.","start":1935.2351,"end":1935.555,"sentiment":"neutral","sentiment_score":0.06464281678199768},{"text":"And then at the same time, if you can be like, hey.","start":1935.555,"end":1937.895,"sentiment":"neutral","sentiment_score":0.04279807458321253},{"text":"The oh, if it's through the union, you have to go separate.","start":1938.675,"end":1941.395,"sentiment":"neutral","sentiment_score":0.02327368858580788}],"sentiment":"neutral","sentiment_score":0.014623691830488424,"num_words":63,"start":1923.4199,"end":1941.395},{"sentences":[{"text":"But I was just saying, like, a policy schedule or an agreement or something for that health side of things.","start":1941.395,"end":1946.535,"sentiment":"neutral","sentiment_score":0.04004833633080125},{"text":"I can keep those on file.","start":1947.38,"end":1948.4199,"sentiment":"neutral","sentiment_score":0.10068775092562039},{"text":"And that way, we don't give you the wrong figure recommended.","start":1948.4199,"end":1950.5199,"sentiment":"neutral","sentiment_score":0.012108381498943676},{"text":"Cool.","start":1958.1799,"end":1958.5,"sentiment":"neutral","sentiment_score":0.31340518593788147},{"text":"Alright, mate.","start":1958.5,"end":1959.0599,"sentiment":"neutral","sentiment_score":0.24592600762844086}],"sentiment":"neutral","sentiment_score":0.05858856574632228,"num_words":40,"start":1941.395,"end":1959.0599},{"sentences":[{"text":"I'll send you a bit of an email tomorrow with a bit of a recap.","start":1959.0599,"end":1961.7999,"sentiment":"neutral","sentiment_score":0.2021452397108078},{"text":"And if you can get me those two, I'll fix up your documents so it's all perfect.","start":1962.985,"end":1967.885,"sentiment":"neutral","sentiment_score":0.17611065726069844},{"text":"Outside of that, look, contributions are still going to see us, so we just leave it.","start":1968.345,"end":1971.945,"sentiment":"neutral","sentiment_score":0.16131780249997973},{"text":"If they're happy to split it off into hub, that's great.","start":1971.945,"end":1974.925,"sentiment":"positive","sentiment_score":0.3437375168908726},{"text":"That just simplifies things a little bit.","start":1975.7301,"end":1977.8301,"sentiment":"positive","sentiment_score":0.5377682788031442}],"sentiment":"neutral","sentiment_score":0.24473689767447385,"num_words":66,"start":1959.0599,"end":1977.8301},{"sentences":[{"text":"And then yeah.","start":1977.89,"end":1980.37,"sentiment":"neutral","sentiment_score":0.25147445499897003},{"text":"And we won't have to redirect anything.","start":1980.37,"end":1981.9701,"sentiment":"neutral","sentiment_score":0.20068692096642085},{"text":"It'll just be like, hey.","start":1981.9701,"end":1982.93,"sentiment":"neutral","sentiment_score":0.1779497429728508},{"text":"This additional bit, can I do it flat over here?","start":1982.93,"end":1985.51,"sentiment":"neutral","sentiment_score":0.011489644087851048},{"text":"And, yeah, when you email me back, if you can give me that base income, possibly the policy schedule, and whether they will or won't split the contributions, I'll package it up for you.","start":1985.7301,"end":1996.5249,"sentiment":"neutral","sentiment_score":0.09588133138330544}],"sentiment":"neutral","sentiment_score":0.10887868194130518,"num_words":59,"start":1977.89,"end":1996.5249},{"sentences":[{"text":"No.","start":2001.705,"end":2001.945,"sentiment":"neutral","sentiment_score":-0.07104937732219696},{"text":"Everything's all pretty well.","start":2001.945,"end":2003.325,"sentiment":"neutral","sentiment_score":-0.10285245068371296},{"text":"I think you've already signed the statement of advice originally.","start":2004.65,"end":2007.45,"sentiment":"neutral","sentiment_score":0.08427396044135094},{"text":"I'll give you an update at one, of course, but I think that's pretty well sweet, mate.","start":2007.45,"end":2012.17,"sentiment":"neutral","sentiment_score":0.32081662490963936},{"text":"Everything's rolling as it should be.","start":2012.17,"end":2013.87,"sentiment":"positive","sentiment_score":0.6970555384953817}],"sentiment":"neutral","sentiment_score":0.2630656915471742,"num_words":38,"start":2001.705,"end":2013.87},{"sentences":[{"text":"No worries at all.","start":2017.9451,"end":2018.745,"sentiment":"neutral","sentiment_score":0.29956234619021416},{"text":"And last thing is I'll get that beneficiary submitted tomorrow.","start":2018.745,"end":2022.205,"sentiment":"neutral","sentiment_score":0.3322118118405342},{"text":"Awesome.","start":2024.105,"end":2024.585,"sentiment":"positive","sentiment_score":0.8319723606109619},{"text":"Have a good night, and I'll talk to you soon, mate.","start":2024.585,"end":2026.925,"sentiment":"positive","sentiment_score":0.5728196176615629},{"text":"Cheers.","start":2027.865,"end":2028.265,"sentiment":"positive","sentiment_score":0.5807621479034424}],"sentiment":"positive","sentiment_score":0.45311547429473314,"num_words":27,"start":2017.9451,"end":2028.265},{"sentences":[{"text":"Bye.","start":2028.265,"end":2028.765,"sentiment":"neutral","sentiment_score":-0.09279855340719224}],"sentiment":"neutral","sentiment_score":-0.09279855340719224,"num_words":1,"start":2028.265,"end":2028.765}]}}]},{"alternatives":[{"transcript":"Hello? Good morning. How you going? Yeah, buddy. Yeah. All good. Yep. Yep. Yeah. That's cool, man. The fifteenth to the twelfth ninety two, and 20 Condor Close, Cameron Park. No. That's cool, man. Yeah. It's all good. What we're doing is fine. Thank you. Yeah. Right. Yeah. Yeah. Yeah. My wife, Emma. Yep. Yep. No, man. I was a bit sort of a bit unsure about it. Yeah. I probably I've obviously might have put the wrong one, I think. Yep. Continuous until I change it, please. So is that lapsing or that's non lapsing then? Yep. You don't pick lapsing, did I? Oh, sorry. I didn't get it. Alright. Yeah. Yeah. Oh, it sounds like a bit of a question, but what do what do most people do in that situation? Yeah. That'd be the one then. Okay. That's cool. Yep. Yeah. Sorry about that, man. Yep. Yep. Oh, well. Yep. Yeah. Righto. That's yep. Yeah. That's correct. Yeah. Yeah. Yeah. Yeah. Got it. Yep. Yeah. That was, like I think that's the one Carlos spent, like, $22 a month or something out of pocket. Is that the one you're talking about? Okay. Yep. Sorry. Yep. Yep. Yep. Yep. Yep. Yeah. Yep. Yes. Yeah. Yeah. Yeah. Yeah. Righto. Okay. Yeah. Yes. 50 three percent or something. Yeah. Yep. Okay. Yep. Yep. Okay. Yep. Yeah. That was correct. I I don't know where they got the only thing I think of is I sometimes speak a little bit fast. Maybe they've misinterpreted when I said it, but yeah. No. One eighty was yeah. That's what I weighed the other day, one eighty point six or something, I think, total. But, yeah, I I I think it could have been me just been talking a bit faster or maybe just coming through a bit shit. But yeah. No. Definitely yeah. The the the 100 percent of medical is correct because I did it the other day. As yeah. I don't know if I fucked that up or what's happened there, but, yeah, it's probably just yeah. But that's anyway, moving forward, a 100% that is made a 180. But so does that mean MetLife won't cover me at all now with the top up one? Yeah. Righto. Yeah. Because they don't send you for medicals because they don't really give a shit. But that's also why they give you such a less cover because, like, their their their permanent disability is, like, $45, and I think their death is, like, 205 or something. It's it's it's very it's very minimal compared to what are the yep. Yeah. One. For the yep. Yeah. It's absolutely shittel, really, in the scheme of things. Yep. So that means okay. Yeah. Yeah. Sorry. No. You're alright. Continue. That's what I think I've done, and I probably don't speak very proper. You know? Like, I just sort of yeah. I speak with fast, and I reckon maybe they misinterpret, which is understandable, man. That's cool, man. It is what it is. Yeah. That's cool. Yep. Yeah. Right. That's obviously just a few lifestyle changes and bring it back down. Yep. Yep. Yeah. Righto. Yep. Okay. Yeah. It all get it. It's what it is. I can't really change that overnight. That's my that's that's me being me. But, yeah, that's cool, man. I appreciate you looking into it, Yep. Yep. Yep. Yep. Yep. Yep. Yeah. That's fine, man. It is what it is. Yeah. Yep. Yeah. Yep. Yeah. Are you talking about U plus? Is there anything about U plus? Is that what yeah. It's a bit of a it's it's a bit maybe I'm the dumbest person to explain it, but it's a bit weird to explain. We have a redundancy fund, like, through ACHERNA, and they which is through the EBA and through the union, the CFMU is the union. And then through that, if you hurt yourself outside of work and that, it's to get cover. And there's a thing called u plus, and it's like, well, the best way to explain it, I fell fell off a ladder at home, snapped his femur. He was off for two years. He got u plus up to 85% of his total wage until he came back to work up to two years or whatever it was, and that's what it is. It's like a I suppose it's like a way of saying income protection, but I don't know if it's classed as that, if that makes sense at all. Yeah. Nah. Nah. Was that something similar? Was it? Yep. Yep. Yep. Yep. Yeah. Yes. I don't have anything on me. Like, as in I'll just, I don't know. Like, I can I can find some information if you'd like to? 100%. I could try and find some. I can just ask the boys at work that have been up because I don't know if four people have been on it that I know of in the last couple of years to certain themselves. And the best thing is to it's covered outside of work. So the fellow that fell off the ladder, it was like a Sunday midday. He fell off flat, snapped his leg, and he got it. It takes three thirty days to get it. You've got to actually, like, claim it, and then they gotta do, like, a check and stuff. But he's just pretty much cut and dry, sort of a ladder, and they pay. And the other thing too we get for the the union is actually, like, ambulance cover and all that sort of stuff plus free travel insurance. So that's another that's another thing they do for us. Just oh, you still gotta pay if it is, like, freaking for my kids went to hospital right now. I just gotta pay the ambulance cover or the ambulance, and then I just literally send them a receipt, and they reimburse me the money for the ambulance. Because as an ambulance, it's like $6,700 sometimes. You know? So they they yeah. Exactly. The sneaky part is, though, as like all things, it's got policies behind it. If you go off work with a certain type of injury or something along those lines, you can't then claim that against that fella that broke his leg. They actually suggested to him, you stay on this as long as you possibly need to, and they don't try and push off it. They you stay on there as long as you possibly need to because after that two years, even though he was good after eighteen months, he pushed it through the two years, got all his money, made sure he's a thousand percent right. The day he come back to work, that means he cannot get it for that injury ever again. So if he was to fall off another lateral step wrong and he did it again, they can't cover you. You know? So you gotta be a little bit careful. But, yeah, it's pretty I mean, everybody rags on unions and that, but, I mean, there's good and bad in everything we do, as you would know. But I I think they're pretty good. They've helped us in this in that situation. So Yeah. Hundred percent. Exactly. Yeah. I mean, it's bad stuff that what's going on with them and, you know, all that carry on this FMU and that, but they do do good stuff for people and us. You know? So but Yeah. Yeah. Exactly. Yeah. Yeah. Yep. Yeah. I can try my best then. I'll ask a few bucks about it, mate. Yeah. Nah. So we pay our union fees, which obviously go up and increase, like, tolls and all sorts of stuff due every couple of months. But I think it's, like, $35 a fortnight or something. But they get us all their benefits, and then the company's gotta pay into it. So it's part of their same with our long service and our redundancy. They pay into a little amount, so we get a redundancy pack so that if we ever lost our job or got sacked or whatever, we can claim that. That that the company's got to put in for that sort of stuff, same as what they got to put in for your super. So it's a good little we're at it. We're we're not the only thing we pay is our membership to the union every every fortnight or every six months, whatever you choose to do. So that's pretty good. It cost us not, really, in the scheme of things. I mean, it's yeah. Like I said, it's good. There's pros and cons with everything, but and, like I said, people blow up about it, but they're pretty good if you're part of it and you know? But, yeah, definitely, I can. No. Not really, man. I'm pretty pretty comfortable. I'm at a pretty good job. Earned some good money. I get some good variety. It's it's pretty it's a sort of a job for a lifetime, I suppose, probably till I'm a bit older. Yeah. That's what the whole point was. That end goal was the big thing. That fellow workers with you guys, and that's what he said. The end goal is the big picture. The only thing I gotta ask is it Carl has explained it to me many times. I'm a bit of an idiot. I understand you're just trying to keep the and it's good thing that he's kept the insurance now to save us because, obviously, the MetLife doesn't wanna insure me, which is fine. How does it work with so all my my company still pays super into C Bus. Right? So and then every, what, six to twelve months, we'll revisit and then you'll bring that money back over? Or do you just plan on keeping, like, a $30 in there just to dwindle away? Or how does it sort of looking? Yes. Yes. Yep. Yep. Yep. Excellent. Yep. Okay. No dramas here. That's I thought that was the case, but I thought maybe I'm just reading it a bit wrong. Yeah. Just just $10 or something. Yeah. But the thing is I'm getting paid every week into a settle go up, obviously, and our salary sacrifice into the two. That was the biggest thing I was thinking. Do I stop the salary sacrifice and salary sacrifice into hub 24, or do I just leave it in the sea bus? You know? Because I thought I didn't know what really to do there either because I feel like the whole point of jumping over with you guys was to increase, like, obviously, the super. So should I just salary sacrifice into the c bus just to keep it moving, or should I salary of us in the hub 24 to get it, like, obviously, picking up? You know? I can ask them. It's no drama. I I don't say it's a drama because they just I can ask them, but I don't think it would be a drama because it's all automated anyway. So all they do is I just salary sacrifice 5%, and they would just nominate it into said account. So they pay my super into c bus, and then they have to pay the salary sacrifice part into it as well. So that I'm assuming they would have to click more buttons. But if they had to swap and go from c bus to Hub 24, I can't see it being a drama. But I wasn't sure if I'd like because, obviously, they're automatically paying into it, and I just figured, like, it would move my hub 24 up a lot more if I was putting that extra 5%. Because some weeks, I can put a $160. Another week, so I can put up with the $400 depending on how many hours I do for the week. You know? That's yeah. Weekly. Yeah. And I think the other thing too, they said on the system that I own a $130. I mean, that's very like, my job is very dependent on overtime. So, like, some years I can pull up with the 2 and $30 in a year, but then, obviously, other times when there's no overtime, you're not really earning that much either. So it's a bit that's why I tried to explain to Colin, I think her name was Jordan. It's very up and down. It's like a rollercoaster job. Say one week, you'll do forty hours. The next week, you'll do ninety. It just depends. Yeah. Yep. Yeah. Yep. Yep. Yep. Yep. Yep. Yep. I'll have a quick look I got paid before. But this is another thing too. They changed the pay slip around. But last year, we had absolutely heaps of info, and they changed the system in a few dates because we merged a few companies. So here, my year to date year to date gross payments, 193,000 and and $26. That's that's right. It's got my it's got my taxable income as well with the but, yeah, my year to date. Yeah. So it's 193,000 this year. Yep. Yep. Yes. Yep. Yep. Yeah. And then you gotta pay pay the tax on it. Yeah. Which won't have any. So I've tried I've tried to hit so this is just me being me. I've tried to hit $30, sale super every year. I've I've a few years, I've been a bit short, but every year since I've been selling sacrifice, I've been trying to hit that 30,000 mark to make it work me well. And the way I used to look at it was my company used to put in about 14 or 15,000, so I would have to put in the same. And that's why, as I said, some weeks, it's really good. And, like, a couple of years ago, I was doing, like, a lot of less weeks, like, just forty hours. So I was just dwindling away. I was only putting in, like, a $150 a week or something extra, and it worked out choice. It worked out awesome because, you know, I was only I only put in, like, maximum of, like, $24 total. But then, like, two years ago, then I've done a massive year, a month to year, and I was right on the I was, like, a couple $100 shy, and I was very lucky. Yep. Yeah. Yeah. I'm I'm cool, though. Yep. Yeah. And that's another thing too because I I was never on I was never sure the reason I did 5% is to do the work to follow that switch is actually his name's Dustin. He told me to do 5% because it worked out well because on a low week, you're obviously only putting in an extra $100, but you still have sat for us. On a high week, you can put it up to $3,400, and it brings it obviously off to your yearly income and all that sort of. You get your little tax benefits from it too. That's why the 5% was working. But, obviously, throughout the last two years, I've increased in my pay by pulling up a couple of categories, doing a bit of different stuff inside the job. So I'm actually earning a little bit more. So my 5% would be, like you're saying, would be encroaching pretty high, actually. 100 percent. Yeah. Yeah. Yep. There's a father at work that told me see, my driver at work told me exactly to do that. He said, you're only 30 years old now. I'm 33. But because you're 30 years old, you shouldn't be worrying about super you should be worrying about dropping the hell out of your mortgage before you hit 50. You know? That was his attitude. And it and I just sort of left the salary like set to forget. You know? It was just easy money just to just do it like that. But you're not wrong, especially an extra $200 every week. And then there's fifty two weeks in a year that's, you know, a couple of thousand dollars extra bringing down the offset. It's probably not a dumb idea, actually. Yep. Yep. Yep. Yep. Yep. Yeah. Yeah. Yeah. Right. So in a sense, pull the salary sacrifice back, start putting that extra into the mortgage on the weekly basis, put it into the offset, bring all my tax down. And then, like you said, at the end of the year, whatever's, like, owing towards that $30, just pull it out and get the maximum amount out of your super contributions. That's what you're saying, isn't it? Yep. Yep. Yep. Yep. Because it doesn't I suppose it doesn't matter about the sales tax cost because they're all my company board is automatically putting in the seat bus. So surely, the money that they're putting in every year, if they're putting in $15, would he keep me, like, skating above the the bottom of the barrel with the insurances? I would like to think. I would I don't think they'd take $15 a year, but you never know. Yeah. Yeah. So I'm I'm sorta yeah. Like you said, well ahead, and I should probably be looking at the bigger picture with the house, actually. It's not a dumb idea. Come on. I'll have to talk to my wife. Yeah. It's it sounds really weird. Do you reckon it would be worse? This is probably a bit much. If I was to work out what my percent because my super is obviously off my forty hours, and my forty hours doesn't really change. So if I worked out what board has put in every year, and then I worked at how much I need to salary sacrifice every week, let's say it was a $110, for example, say, is it worth putting a $110 so I meet the threshold and throwing the extra into the offset? So, like, I'm I'm guaranteed to make me maximum $30, but, obviously, the I'm not doing 5% anymore because there's a chance I might go over the top of it. You know? Or no. Because they only pay me super on my forty hours, which is actually thirty six hours a week. They don't pay me on my overtime. If they have to pay us super on our overtime, then we would be paying fucking $60 a year into our super, it wouldn't be yeah. They have to pay us only forty hours, which sorry. They pay us forty hours a week, and then two hours go to, obviously, our RDAs, and then two hours go to something else. So thirty six hour weeks is what we work. Technically speaking, that's what we're paid for, and that's what they pay us super off. They take it the percentage of 12 and a half percent off their thirty six hours. So it doesn't actually fluctuate. The only and the thing too, if I have holidays and sick days and stuff, because I'm still getting paid by a permanent employee, they still take the percentage of that. Because, obviously, you're getting the full day. So they're always gonna be putting they're always in a in a sense, they always put in the same amount nearly every week. So it wouldn't be too hard to work out what they're actually putting in and then what I need to put in. And then throughout the year, if I get a couple $100, I could just put it over and, you know, and stop me 5%. That way, I've got no way of going over the threshold because I don't really wanna pay any more tax or anything on it. Yeah. Yeah. Yeah. Yep. Yep. Yep. That's right. Yeah. Yep. Yeah. Yeah. Yeah. That's right. That'd be, I think, the better option because I know for a fact if I just at least the best thing about the super it's not that I don't know how to find it, like, control my money and that, but it's just so easy. Forget. It's just bang straight over. I don't have to think about it every week. It just goes over. It does its thing. It's earning money behind and on, and then I can just keep concentrating on other stuff. That's why I like the whole thing about them having to do it because I don't have to worry about it where I'm not saying I couldn't put the money over every year, but it'd be you know, like, it'd be like, fuck me. I gotta remember to do that now. You know? That's why I like the fact that the salary is sacrificing and that. Because this makes it so much easier for me. Yeah. Exactly. Yeah. Yeah. Yeah. Yeah. 100% it would be. Yeah. I'll ask them tomorrow. Yeah. Yeah. Well, my thinking is that the more money I obviously, like I said, the the mortgage is a big thing. But the more money I put into you guys, obviously, the longevity of the game, hence why I jumped ship over to you guys is for the longevity of it. Like, you want the return dump. But my theory was with Carl, and that's why I sorta didn't know how to word it was. No point me salary sacrificing in the because they're not really I'm only there for insurance, so they're not really helping me. And that's hence why I jumped over because they weren't helping me. They weren't really benefiting. So I might as well put as maximum as I can in up 24. Obviously, like, possibly or the max of $15 or whatever, 32, you said, but total. But, yeah, that's what I've that that's where I feel would be better off. You know? Yeah. That's right. Yeah. Yeah. Yeah. And that's right. Just enough to keep the insurances pushing along while I worry about losing some weight. Yep. Yep. Yep. Yeah. If you want me to, I can maybe so we don't have a payroll lady at work, but she's our, like, head admin. Our payroll goes into another section. Maybe I can ask her. She would be able she would know she's got access to it. Do you reckon it's worth asking her what my base yearly income is, like, with just my standard rate, forty hours, where it will take away my tax? She would be able to give me a lump sum of you earn x amount of money, that's your minimum. Because it's obviously not on the payslips anymore because of the overtime. It just sort of calculates everything. Do you reckon it's worth doing that so we get a better because at the moment, like, obviously, we're saying it's a 130, but it might even be a 150 or something. Like, I could be totally wrong here. 100 percent. Yeah. Yeah. Yeah. They should be able to see, like, an email payroll. Yep. Yeah. Yeah. Yeah. That's cool. Me. I'll I can I can see him at work tomorrow and get to the bottom of it and try and fix him in five days? Yep. Yep. I'll try and get them as soon as I can. Yep. Yep. Yep. Yeah. I reckon it's better if I can do it. Yep. Yeah. Yeah. Yeah. I'll try my best. Yep. Yep. No dramas. So do you do you send you don't need me to sign anything until I send you that stuff then? Or you still need me yep. All good. Yeah. All good. No dramas. Alright. Thank you very much, man. I appreciate the call. And thanks for your advice and the help too. Thank you very much, man. Well, have a good day, mate. See you, buddy. 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Good morning. How you going? Yeah, buddy. Yeah.\n\nAll good. Yep. Yep. Yeah. That's cool, man.\n\nThe fifteenth to the twelfth ninety two, and 20 Condor Close, Cameron Park. No. That's cool, man. Yeah. It's all good.\n\nWhat we're doing is fine. Thank you. Yeah. Right. Yeah.\n\nYeah. Yeah. My wife, Emma. Yep. Yep.\n\nNo, man. I was a bit sort of a bit unsure about it. Yeah. I probably I've obviously might have put the wrong one, I think. Yep.\n\nContinuous until I change it, please. So is that lapsing or that's non lapsing then? Yep. You don't pick lapsing, did I? Oh, sorry.\n\nI didn't get it. Alright. Yeah. Yeah. Oh, it sounds like a bit of a question, but what do what do most people do in that situation?\n\nYeah. That'd be the one then. Okay. That's cool. Yep.\n\nYeah. Sorry about that, man. Yep. Yep. Oh, well.\n\nYep. Yeah. Righto. That's yep. Yeah.\n\nThat's correct. Yeah. Yeah. Yeah. Yeah.\n\nGot it. Yep. Yeah. That was, like I think that's the one Carlos spent, like, $22 a month or something out of pocket. Is that the one you're talking about?\n\nOkay. Yep. Sorry. Yep. Yep.\n\nYep. Yep. Yep. Yeah. Yep.\n\nYes. Yeah. Yeah. Yeah. Yeah.\n\nRighto. Okay. Yeah. Yes. 50 three percent or something.\n\nYeah. Yep. Okay. Yep. Yep.\n\nOkay. Yep. Yeah. That was correct. I I don't know where they got the only thing I think of is I sometimes speak a little bit fast.\n\nMaybe they've misinterpreted when I said it, but yeah. No. One eighty was yeah. That's what I weighed the other day, one eighty point six or something, I think, total. But, yeah, I I I think it could have been me just been talking a bit faster or maybe just coming through a bit shit.\n\nBut yeah. No. Definitely yeah. The the the 100 percent of medical is correct because I did it the other day. As yeah.\n\nI don't know if I fucked that up or what's happened there, but, yeah, it's probably just yeah. But that's anyway, moving forward, a 100% that is made a 180. But so does that mean MetLife won't cover me at all now with the top up one? Yeah. Righto.\n\nYeah. Because they don't send you for medicals because they don't really give a shit. But that's also why they give you such a less cover because, like, their their their permanent disability is, like, $45, and I think their death is, like, 205 or something. It's it's it's very it's very minimal compared to what are the yep. Yeah.\n\nOne. For the yep. Yeah. It's absolutely shittel, really, in the scheme of things. Yep.\n\nSo that means okay. Yeah. Yeah. Sorry. No.\n\nYou're alright. Continue. That's what I think I've done, and I probably don't speak very proper. You know? Like, I just sort of yeah.\n\nI speak with fast, and I reckon maybe they misinterpret, which is understandable, man. That's cool, man. It is what it is. Yeah. That's cool.\n\nYep. Yeah. Right. That's obviously just a few lifestyle changes and bring it back down. Yep.\n\nYep. Yeah. Righto. Yep. Okay.\n\nYeah. It all get it. It's what it is. I can't really change that overnight. That's my that's that's me being me.\n\nBut, yeah, that's cool, man. I appreciate you looking into it, Yep. Yep. Yep. Yep.\n\nYep. Yep. Yeah. That's fine, man. It is what it is.\n\nYeah. Yep. Yeah. Yep. Yeah.\n\nAre you talking about U plus? Is there anything about U plus? Is that what yeah. It's a bit of a it's it's a bit maybe I'm the dumbest person to explain it, but it's a bit weird to explain. We have a redundancy fund, like, through ACHERNA, and they which is through the EBA and through the union, the CFMU is the union.\n\nAnd then through that, if you hurt yourself outside of work and that, it's to get cover. And there's a thing called u plus, and it's like, well, the best way to explain it, I fell fell off a ladder at home, snapped his femur. He was off for two years. He got u plus up to 85% of his total wage until he came back to work up to two years or whatever it was, and that's what it is. It's like a I suppose it's like a way of saying income protection, but I don't know if it's classed as that, if that makes sense at all.\n\nYeah. Nah. Nah. Was that something similar? Was it?\n\nYep. Yep. Yep. Yep. Yeah.\n\nYes. I don't have anything on me. Like, as in I'll just, I don't know. Like, I can I can find some information if you'd like to? 100%.\n\nI could try and find some. I can just ask the boys at work that have been up because I don't know if four people have been on it that I know of in the last couple of years to certain themselves. And the best thing is to it's covered outside of work. So the fellow that fell off the ladder, it was like a Sunday midday. He fell off flat, snapped his leg, and he got it.\n\nIt takes three thirty days to get it. You've got to actually, like, claim it, and then they gotta do, like, a check and stuff. But he's just pretty much cut and dry, sort of a ladder, and they pay. And the other thing too we get for the the union is actually, like, ambulance cover and all that sort of stuff plus free travel insurance. So that's another that's another thing they do for us.\n\nJust oh, you still gotta pay if it is, like, freaking for my kids went to hospital right now. I just gotta pay the ambulance cover or the ambulance, and then I just literally send them a receipt, and they reimburse me the money for the ambulance. Because as an ambulance, it's like $6,700 sometimes. You know? So they they yeah.\n\nExactly. The sneaky part is, though, as like all things, it's got policies behind it. If you go off work with a certain type of injury or something along those lines, you can't then claim that against that fella that broke his leg. They actually suggested to him, you stay on this as long as you possibly need to, and they don't try and push off it. They you stay on there as long as you possibly need to because after that two years, even though he was good after eighteen months, he pushed it through the two years, got all his money, made sure he's a thousand percent right.\n\nThe day he come back to work, that means he cannot get it for that injury ever again. So if he was to fall off another lateral step wrong and he did it again, they can't cover you. You know? So you gotta be a little bit careful. But, yeah, it's pretty I mean, everybody rags on unions and that, but, I mean, there's good and bad in everything we do, as you would know.\n\nBut I I think they're pretty good. They've helped us in this in that situation. So Yeah. Hundred percent. Exactly.\n\nYeah. I mean, it's bad stuff that what's going on with them and, you know, all that carry on this FMU and that, but they do do good stuff for people and us. You know? So but Yeah. Yeah.\n\nExactly. Yeah. Yeah. Yep. Yeah.\n\nI can try my best then. I'll ask a few bucks about it, mate. Yeah. Nah. So we pay our union fees, which obviously go up and increase, like, tolls and all sorts of stuff due every couple of months.\n\nBut I think it's, like, $35 a fortnight or something. But they get us all their benefits, and then the company's gotta pay into it. So it's part of their same with our long service and our redundancy. They pay into a little amount, so we get a redundancy pack so that if we ever lost our job or got sacked or whatever, we can claim that. That that the company's got to put in for that sort of stuff, same as what they got to put in for your super.\n\nSo it's a good little we're at it. We're we're not the only thing we pay is our membership to the union every every fortnight or every six months, whatever you choose to do. So that's pretty good. It cost us not, really, in the scheme of things. I mean, it's yeah.\n\nLike I said, it's good. There's pros and cons with everything, but and, like I said, people blow up about it, but they're pretty good if you're part of it and you know? But, yeah, definitely, I can. No. Not really, man.\n\nI'm pretty pretty comfortable. I'm at a pretty good job. Earned some good money. I get some good variety. It's it's pretty it's a sort of a job for a lifetime, I suppose, probably till I'm a bit older.\n\nYeah. That's what the whole point was. That end goal was the big thing. That fellow workers with you guys, and that's what he said. The end goal is the big picture.\n\nThe only thing I gotta ask is it Carl has explained it to me many times. I'm a bit of an idiot. I understand you're just trying to keep the and it's good thing that he's kept the insurance now to save us because, obviously, the MetLife doesn't wanna insure me, which is fine. How does it work with so all my my company still pays super into C Bus. Right?\n\nSo and then every, what, six to twelve months, we'll revisit and then you'll bring that money back over? Or do you just plan on keeping, like, a $30 in there just to dwindle away? Or how does it sort of looking? Yes. Yes.\n\nYep. Yep. Yep. Excellent. Yep.\n\nOkay. No dramas here. That's I thought that was the case, but I thought maybe I'm just reading it a bit wrong. Yeah. Just just $10 or something.\n\nYeah. But the thing is I'm getting paid every week into a settle go up, obviously, and our salary sacrifice into the two. That was the biggest thing I was thinking. Do I stop the salary sacrifice and salary sacrifice into hub 24, or do I just leave it in the sea bus? You know?\n\nBecause I thought I didn't know what really to do there either because I feel like the whole point of jumping over with you guys was to increase, like, obviously, the super. So should I just salary sacrifice into the c bus just to keep it moving, or should I salary of us in the hub 24 to get it, like, obviously, picking up? You know? I can ask them. It's no drama.\n\nI I don't say it's a drama because they just I can ask them, but I don't think it would be a drama because it's all automated anyway. So all they do is I just salary sacrifice 5%, and they would just nominate it into said account. So they pay my super into c bus, and then they have to pay the salary sacrifice part into it as well. So that I'm assuming they would have to click more buttons. But if they had to swap and go from c bus to Hub 24, I can't see it being a drama.\n\nBut I wasn't sure if I'd like because, obviously, they're automatically paying into it, and I just figured, like, it would move my hub 24 up a lot more if I was putting that extra 5%. Because some weeks, I can put a $160. Another week, so I can put up with the $400 depending on how many hours I do for the week. You know? That's yeah.\n\nWeekly. Yeah. And I think the other thing too, they said on the system that I own a $130. I mean, that's very like, my job is very dependent on overtime. So, like, some years I can pull up with the 2 and $30 in a year, but then, obviously, other times when there's no overtime, you're not really earning that much either.\n\nSo it's a bit that's why I tried to explain to Colin, I think her name was Jordan. It's very up and down. It's like a rollercoaster job. Say one week, you'll do forty hours. The next week, you'll do ninety.\n\nIt just depends. Yeah. Yep. Yeah. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nI'll have a quick look I got paid before. But this is another thing too. They changed the pay slip around. But last year, we had absolutely heaps of info, and they changed the system in a few dates because we merged a few companies. So here, my year to date year to date gross payments, 193,000 and and $26.\n\nThat's that's right. It's got my it's got my taxable income as well with the but, yeah, my year to date. Yeah. So it's 193,000 this year. Yep.\n\nYep. Yes. Yep. Yep. Yeah.\n\nAnd then you gotta pay pay the tax on it. Yeah. Which won't have any. So I've tried I've tried to hit so this is just me being me. I've tried to hit $30, sale super every year.\n\nI've I've a few years, I've been a bit short, but every year since I've been selling sacrifice, I've been trying to hit that 30,000 mark to make it work me well. And the way I used to look at it was my company used to put in about 14 or 15,000, so I would have to put in the same. And that's why, as I said, some weeks, it's really good. And, like, a couple of years ago, I was doing, like, a lot of less weeks, like, just forty hours. So I was just dwindling away.\n\nI was only putting in, like, a $150 a week or something extra, and it worked out choice. It worked out awesome because, you know, I was only I only put in, like, maximum of, like, $24 total. But then, like, two years ago, then I've done a massive year, a month to year, and I was right on the I was, like, a couple $100 shy, and I was very lucky. Yep. Yeah.\n\nYeah. I'm I'm cool, though. Yep. Yeah. And that's another thing too because I I was never on I was never sure the reason I did 5% is to do the work to follow that switch is actually his name's Dustin.\n\nHe told me to do 5% because it worked out well because on a low week, you're obviously only putting in an extra $100, but you still have sat for us. On a high week, you can put it up to $3,400, and it brings it obviously off to your yearly income and all that sort of. You get your little tax benefits from it too. That's why the 5% was working. But, obviously, throughout the last two years, I've increased in my pay by pulling up a couple of categories, doing a bit of different stuff inside the job.\n\nSo I'm actually earning a little bit more. So my 5% would be, like you're saying, would be encroaching pretty high, actually. 100 percent. Yeah. Yeah.\n\nYep. There's a father at work that told me see, my driver at work told me exactly to do that. He said, you're only 30 years old now. I'm 33. But because you're 30 years old, you shouldn't be worrying about super you should be worrying about dropping the hell out of your mortgage before you hit 50.\n\nYou know? That was his attitude. And it and I just sort of left the salary like set to forget. You know? It was just easy money just to just do it like that.\n\nBut you're not wrong, especially an extra $200 every week. And then there's fifty two weeks in a year that's, you know, a couple of thousand dollars extra bringing down the offset. It's probably not a dumb idea, actually. Yep. Yep.\n\nYep. Yep. Yep. Yeah. Yeah.\n\nYeah. Right. So in a sense, pull the salary sacrifice back, start putting that extra into the mortgage on the weekly basis, put it into the offset, bring all my tax down. And then, like you said, at the end of the year, whatever's, like, owing towards that $30, just pull it out and get the maximum amount out of your super contributions. That's what you're saying, isn't it?\n\nYep. Yep. Yep. Yep. Because it doesn't I suppose it doesn't matter about the sales tax cost because they're all my company board is automatically putting in the seat bus.\n\nSo surely, the money that they're putting in every year, if they're putting in $15, would he keep me, like, skating above the the bottom of the barrel with the insurances? I would like to think. I would I don't think they'd take $15 a year, but you never know. Yeah. Yeah.\n\nSo I'm I'm sorta yeah. Like you said, well ahead, and I should probably be looking at the bigger picture with the house, actually. It's not a dumb idea. Come on. I'll have to talk to my wife.\n\nYeah. It's it sounds really weird. Do you reckon it would be worse? This is probably a bit much. If I was to work out what my percent because my super is obviously off my forty hours, and my forty hours doesn't really change.\n\nSo if I worked out what board has put in every year, and then I worked at how much I need to salary sacrifice every week, let's say it was a $110, for example, say, is it worth putting a $110 so I meet the threshold and throwing the extra into the offset? So, like, I'm I'm guaranteed to make me maximum $30, but, obviously, the I'm not doing 5% anymore because there's a chance I might go over the top of it. You know? Or no. Because they only pay me super on my forty hours, which is actually thirty six hours a week.\n\nThey don't pay me on my overtime. If they have to pay us super on our overtime, then we would be paying fucking $60 a year into our super, it wouldn't be yeah. They have to pay us only forty hours, which sorry. They pay us forty hours a week, and then two hours go to, obviously, our RDAs, and then two hours go to something else. So thirty six hour weeks is what we work.\n\nTechnically speaking, that's what we're paid for, and that's what they pay us super off. They take it the percentage of 12 and a half percent off their thirty six hours. So it doesn't actually fluctuate. The only and the thing too, if I have holidays and sick days and stuff, because I'm still getting paid by a permanent employee, they still take the percentage of that. Because, obviously, you're getting the full day.\n\nSo they're always gonna be putting they're always in a in a sense, they always put in the same amount nearly every week. So it wouldn't be too hard to work out what they're actually putting in and then what I need to put in. And then throughout the year, if I get a couple $100, I could just put it over and, you know, and stop me 5%. That way, I've got no way of going over the threshold because I don't really wanna pay any more tax or anything on it. Yeah.\n\nYeah. Yeah. Yep. Yep. Yep.\n\nThat's right. Yeah. Yep. Yeah. Yeah.\n\nYeah. That's right. That'd be, I think, the better option because I know for a fact if I just at least the best thing about the super it's not that I don't know how to find it, like, control my money and that, but it's just so easy. Forget. It's just bang straight over.\n\nI don't have to think about it every week. It just goes over. It does its thing. It's earning money behind and on, and then I can just keep concentrating on other stuff. That's why I like the whole thing about them having to do it because I don't have to worry about it where I'm not saying I couldn't put the money over every year, but it'd be you know, like, it'd be like, fuck me.\n\nI gotta remember to do that now. You know? That's why I like the fact that the salary is sacrificing and that. Because this makes it so much easier for me. Yeah.\n\nExactly. Yeah. Yeah. Yeah. Yeah.\n\n100% it would be. Yeah. I'll ask them tomorrow. Yeah. Yeah.\n\nWell, my thinking is that the more money I obviously, like I said, the the mortgage is a big thing. But the more money I put into you guys, obviously, the longevity of the game, hence why I jumped ship over to you guys is for the longevity of it. Like, you want the return dump. But my theory was with Carl, and that's why I sorta didn't know how to word it was. No point me salary sacrificing in the because they're not really I'm only there for insurance, so they're not really helping me.\n\nAnd that's hence why I jumped over because they weren't helping me. They weren't really benefiting. So I might as well put as maximum as I can in up 24. Obviously, like, possibly or the max of $15 or whatever, 32, you said, but total. But, yeah, that's what I've that that's where I feel would be better off.\n\nYou know? Yeah. That's right. Yeah. Yeah.\n\nYeah. And that's right. Just enough to keep the insurances pushing along while I worry about losing some weight. Yep. Yep.\n\nYep. Yeah. If you want me to, I can maybe so we don't have a payroll lady at work, but she's our, like, head admin. Our payroll goes into another section. Maybe I can ask her.\n\nShe would be able she would know she's got access to it. Do you reckon it's worth asking her what my base yearly income is, like, with just my standard rate, forty hours, where it will take away my tax? She would be able to give me a lump sum of you earn x amount of money, that's your minimum. Because it's obviously not on the payslips anymore because of the overtime. It just sort of calculates everything.\n\nDo you reckon it's worth doing that so we get a better because at the moment, like, obviously, we're saying it's a 130, but it might even be a 150 or something. Like, I could be totally wrong here. 100 percent. Yeah. Yeah.\n\nYeah. They should be able to see, like, an email payroll. Yep. Yeah. Yeah.\n\nYeah. That's cool. Me. I'll I can I can see him at work tomorrow and get to the bottom of it and try and fix him in five days? Yep.\n\nYep. I'll try and get them as soon as I can. Yep. Yep. Yep.\n\nYeah. I reckon it's better if I can do it. Yep. Yeah. Yeah.\n\nYeah. I'll try my best. Yep. Yep. No dramas.\n\nSo do you do you send you don't need me to sign anything until I send you that stuff then? Or you still need me yep. All good. Yeah. All good.\n\nNo dramas. Alright. Thank you very much, man. I appreciate the call. And thanks for your advice and the help too.\n\nThank you very much, man. Well, have a good day, mate. See you, buddy. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.39999998,"end":0.9,"sentiment":"neutral","sentiment_score":0.03800483793020248},{"text":"Good morning.","start":6.3999996,"end":6.96,"sentiment":"positive","sentiment_score":0.35657285153865814},{"text":"How you going?","start":6.96,"end":7.7,"sentiment":"neutral","sentiment_score":0.29585890968640643},{"text":"Yeah, buddy.","start":17.195,"end":17.675,"sentiment":"neutral","sentiment_score":0.15668950974941254},{"text":"Yeah.","start":17.675,"end":17.995,"sentiment":"neutral","sentiment_score":0.2527253329753876}],"sentiment":"neutral","sentiment_score":0.24498129139343897,"num_words":9,"start":0.39999998,"end":17.995},{"sentences":[{"text":"All good.","start":17.995,"end":18.735,"sentiment":"positive","sentiment_score":0.5236449986696243},{"text":"Yep.","start":26.154999,"end":26.555,"sentiment":"neutral","sentiment_score":0.05889738351106644},{"text":"Yep.","start":26.555,"end":27.055,"sentiment":"neutral","sentiment_score":0.07010271400213242},{"text":"Yeah.","start":31.77,"end":32.010002,"sentiment":"neutral","sentiment_score":0.11196453124284744},{"text":"That's cool, man.","start":32.010002,"end":32.99,"sentiment":"positive","sentiment_score":0.42924309770266217}],"sentiment":"neutral","sentiment_score":0.3219979899004102,"num_words":8,"start":17.995,"end":32.99},{"sentences":[{"text":"The fifteenth to the twelfth ninety two, and 20 Condor Close, Cameron Park.","start":41.275,"end":45.935,"sentiment":"neutral","sentiment_score":0.06418239597517711},{"text":"No.","start":55.17,"end":55.49,"sentiment":"neutral","sentiment_score":-0.04296724498271942},{"text":"That's cool, man.","start":55.49,"end":56.37,"sentiment":"neutral","sentiment_score":0.2182049254576365},{"text":"Yeah.","start":56.37,"end":56.61,"sentiment":"neutral","sentiment_score":0.2758450508117676},{"text":"It's all good.","start":56.61,"end":57.01,"sentiment":"positive","sentiment_score":0.4011264642079671}],"sentiment":"neutral","sentiment_score":0.1392972915477696,"num_words":21,"start":41.275,"end":57.01},{"sentences":[{"text":"What we're doing is fine.","start":57.01,"end":57.97,"sentiment":"positive","sentiment_score":0.38035728335380553},{"text":"Thank you.","start":57.97,"end":58.63,"sentiment":"positive","sentiment_score":0.5279648900032043},{"text":"Yeah.","start":66.45,"end":66.825,"sentiment":"neutral","sentiment_score":0.229679137468338},{"text":"Right.","start":78.024994,"end":78.524994,"sentiment":"neutral","sentiment_score":0.08668596297502518},{"text":"Yeah.","start":79.465,"end":79.704994,"sentiment":"neutral","sentiment_score":0.07095834612846375}],"sentiment":"positive","sentiment_score":0.33450396433472634,"num_words":10,"start":57.01,"end":79.704994},{"sentences":[{"text":"Yeah.","start":79.704994,"end":80.1,"sentiment":"neutral","sentiment_score":0.09595814347267152},{"text":"Yeah.","start":85.06,"end":85.38,"sentiment":"neutral","sentiment_score":0.04561857506632805},{"text":"My wife, Emma.","start":85.38,"end":86.259995,"sentiment":"neutral","sentiment_score":0.046567934254805245},{"text":"Yep.","start":86.259995,"end":86.759995,"sentiment":"neutral","sentiment_score":0.06082409247756004},{"text":"Yep.","start":89.299995,"end":89.799995,"sentiment":"neutral","sentiment_score":0.06700947880744934}],"sentiment":"neutral","sentiment_score":0.05844487036977496,"num_words":7,"start":79.704994,"end":89.799995},{"sentences":[{"text":"No, man.","start":94.855,"end":95.415,"sentiment":"neutral","sentiment_score":-0.16576983034610748},{"text":"I was a bit sort of a bit unsure about it.","start":95.415,"end":97.735,"sentiment":"neutral","sentiment_score":-0.1927384314211932},{"text":"Yeah.","start":97.735,"end":98.055,"sentiment":"neutral","sentiment_score":-0.10868825763463974},{"text":"I probably I've obviously might have put the wrong one, I think.","start":98.055,"end":101.275,"sentiment":"neutral","sentiment_score":-0.1747820402185122},{"text":"Yep.","start":106.854996,"end":107.34,"sentiment":"neutral","sentiment_score":0.1505981087684631}],"sentiment":"neutral","sentiment_score":-0.16693100140050607,"num_words":27,"start":94.855,"end":107.34},{"sentences":[{"text":"Continuous until I change it, please.","start":115.899994,"end":117.92,"sentiment":"neutral","sentiment_score":0.020821298006922007},{"text":"So is that lapsing or that's non lapsing then?","start":118.85999,"end":121.28,"sentiment":"neutral","sentiment_score":0.005290039245867067},{"text":"Yep.","start":122.38,"end":122.745,"sentiment":"neutral","sentiment_score":0.04020097851753235},{"text":"You don't pick lapsing, did I?","start":123.625,"end":125.325005,"sentiment":"neutral","sentiment_score":-0.02009020435313384},{"text":"Oh, sorry.","start":127.465004,"end":128.02501,"sentiment":"neutral","sentiment_score":-0.09099167585372925}],"sentiment":"neutral","sentiment_score":-0.0037410607522663972,"num_words":24,"start":115.899994,"end":128.02501},{"sentences":[{"text":"I didn't get it.","start":128.02501,"end":128.745,"sentiment":"neutral","sentiment_score":-0.09912753477692604},{"text":"Alright.","start":128.745,"end":129.245,"sentiment":"neutral","sentiment_score":0.03827745467424393},{"text":"Yeah.","start":137.545,"end":137.705,"sentiment":"neutral","sentiment_score":0.0027611954137682915},{"text":"Yeah.","start":137.705,"end":138.15,"sentiment":"neutral","sentiment_score":0.019008811563253403},{"text":"Oh, it sounds like a bit of a question, but what do what do most people do in that situation?","start":148.31,"end":153.845,"sentiment":"neutral","sentiment_score":-0.027660890761762858}],"sentiment":"neutral","sentiment_score":-0.03295112935895169,"num_words":27,"start":128.02501,"end":153.845},{"sentences":[{"text":"Yeah.","start":161.66501,"end":161.985,"sentiment":"neutral","sentiment_score":-0.010355815291404724},{"text":"That'd be the one then.","start":161.985,"end":163.02501,"sentiment":"neutral","sentiment_score":-0.10320905074477196},{"text":"Okay.","start":163.02501,"end":163.52501,"sentiment":"neutral","sentiment_score":0.14600858092308044},{"text":"That's 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don't have anything on me.","start":654.58,"end":657.14,"sentiment":"neutral","sentiment_score":-0.07896231487393379},{"text":"Like, as in I'll just, I don't know.","start":657.14,"end":659.295,"sentiment":"neutral","sentiment_score":-0.07366109546273947},{"text":"Like, I can I can find some information if you'd like to?","start":659.295,"end":662.255,"sentiment":"neutral","sentiment_score":0.015834478040536244},{"text":"100%.","start":662.255,"end":662.815,"sentiment":"neutral","sentiment_score":0.07016557455062866}],"sentiment":"neutral","sentiment_score":-0.028509960110698427,"num_words":28,"start":651.94,"end":662.815},{"sentences":[{"text":"I could try and find some.","start":662.815,"end":663.695,"sentiment":"neutral","sentiment_score":0.06799382033447425},{"text":"I can just ask the boys at work that have been up because I don't know if four people have been on it that I know of in the last couple of years to certain themselves.","start":663.695,"end":670.495,"sentiment":"neutral","sentiment_score":-0.03512605124463638},{"text":"And the best thing is to it's covered outside of work.","start":670.495,"end":672.495,"sentiment":"neutral","sentiment_score":0.2647846043109894},{"text":"So the fellow that fell off the ladder, it was like a Sunday midday.","start":672.495,"end":677.22003,"sentiment":"neutral","sentiment_score":-0.21541603920715197},{"text":"He fell off flat, snapped his leg, and he got it.","start":677.22003,"end":679.38,"sentiment":"negative","sentiment_score":-0.3486722626469352}],"sentiment":"neutral","sentiment_score":-0.0614764578640461,"num_words":78,"start":662.815,"end":679.38},{"sentences":[{"text":"It takes three thirty days to get it.","start":679.38,"end":681.14,"sentiment":"neutral","sentiment_score":-0.18317525833845139},{"text":"You've got to actually, like, claim it, and then they gotta do, like, a check and stuff.","start":681.14,"end":684.82,"sentiment":"neutral","sentiment_score":-0.04181990712223684},{"text":"But he's just pretty much cut and dry, sort of a ladder, and they pay.","start":684.82,"end":689.155,"sentiment":"neutral","sentiment_score":-0.0671106617897749},{"text":"And the other thing too we get for the the union is actually, like, ambulance cover and all that sort of stuff plus free travel insurance.","start":689.155,"end":696.85504,"sentiment":"neutral","sentiment_score":0.146924821803203},{"text":"So that's another that's another thing they do for us.","start":697.155,"end":699.82996,"sentiment":"neutral","sentiment_score":0.15535102114081384}],"sentiment":"neutral","sentiment_score":0.028823094258673097,"num_words":76,"start":679.38,"end":699.82996},{"sentences":[{"text":"Just oh, you still gotta pay if it is, like, freaking for my kids went to hospital right now.","start":699.82996,"end":703.99,"sentiment":"neutral","sentiment_score":0.06978095165993038},{"text":"I just gotta pay the ambulance cover or the ambulance, and then I just literally send them a receipt, and they reimburse me the money for the ambulance.","start":703.99,"end":710.31,"sentiment":"neutral","sentiment_score":0.10230731791151422},{"text":"Because as an ambulance, it's like $6,700 sometimes.","start":710.31,"end":713.08496,"sentiment":"neutral","sentiment_score":0.01497919566463679},{"text":"You know?","start":713.08496,"end":714.305,"sentiment":"neutral","sentiment_score":-0.00679402519017458},{"text":"So they they yeah.","start":714.365,"end":720.945,"sentiment":"neutral","sentiment_score":-0.045150076039135456}],"sentiment":"neutral","sentiment_score":0.06747685563674227,"num_words":61,"start":699.82996,"end":720.945},{"sentences":[{"text":"Exactly.","start":722.845,"end":723.345,"sentiment":"neutral","sentiment_score":0.08475895971059799},{"text":"The sneaky part is, though, as like all things, it's got policies behind it.","start":725.5,"end":729.68005,"sentiment":"neutral","sentiment_score":-0.018627435767224858},{"text":"If you go off work with a certain type of injury or something along those lines, you can't then claim that against that fella that broke his leg.","start":729.82,"end":737.36005,"sentiment":"neutral","sentiment_score":-0.16177813043551786},{"text":"They actually suggested to him, you stay on this as long as you possibly need to, and they don't try and push off it.","start":737.9,"end":743.895,"sentiment":"neutral","sentiment_score":-0.04768376642217239},{"text":"They you stay on there as long as you possibly need to because after that two years, even though he was good after eighteen months, he pushed it through the two years, got all his money, made sure he's a thousand percent right.","start":743.895,"end":754.14,"sentiment":"neutral","sentiment_score":0.045357824844676396}],"sentiment":"neutral","sentiment_score":-0.03545306108214639,"num_words":110,"start":722.845,"end":754.14},{"sentences":[{"text":"The day he come back to work, that means he cannot get it for that injury ever again.","start":754.38,"end":758.78,"sentiment":"neutral","sentiment_score":-0.32165587155355346},{"text":"So if he was to fall off another lateral step wrong and he did it again, they can't cover you.","start":758.78,"end":764.22003,"sentiment":"neutral","sentiment_score":-0.14421100579202176},{"text":"You know?","start":764.22003,"end":764.62,"sentiment":"neutral","sentiment_score":-0.08335722982883453},{"text":"So you gotta be a little bit careful.","start":764.62,"end":766.14,"sentiment":"neutral","sentiment_score":-0.06511496030725539},{"text":"But, yeah, it's pretty I mean, everybody rags on unions and that, but, I mean, there's good and bad in everything we do, as you would know.","start":766.14,"end":774.845,"sentiment":"neutral","sentiment_score":-0.0820912100650646}],"sentiment":"neutral","sentiment_score":-0.15437496823569138,"num_words":75,"start":754.38,"end":774.845},{"sentences":[{"text":"But I I think they're pretty good.","start":775.14496,"end":776.90497,"sentiment":"positive","sentiment_score":0.4340220040508679},{"text":"They've helped us in this in that situation.","start":776.90497,"end":778.845,"sentiment":"positive","sentiment_score":0.5800517983734608},{"text":"So Yeah.","start":778.90497,"end":782.94,"sentiment":"neutral","sentiment_score":0.08560946211218834},{"text":"Hundred percent.","start":782.94,"end":783.82,"sentiment":"neutral","sentiment_score":0.07837039045989513},{"text":"Exactly.","start":783.82,"end":784.32,"sentiment":"neutral","sentiment_score":0.05438465625047684}],"sentiment":"positive","sentiment_score":0.40304563883692024,"num_words":20,"start":775.14496,"end":784.32},{"sentences":[{"text":"Yeah.","start":785.26,"end":785.66003,"sentiment":"neutral","sentiment_score":0.09426923841238022},{"text":"I mean, it's bad stuff that what's going on with them and, you know, all that carry on this FMU and that, but they do do good stuff for people and us.","start":785.66003,"end":793.02,"sentiment":"neutral","sentiment_score":0.15163938282057643},{"text":"You know?","start":793.02,"end":793.68,"sentiment":"neutral","sentiment_score":0.09787049144506454},{"text":"So but Yeah.","start":794.06,"end":802.145,"sentiment":"neutral","sentiment_score":0.03261357545852661},{"text":"Yeah.","start":802.145,"end":802.645,"sentiment":"neutral","sentiment_score":-0.02947031706571579}],"sentiment":"neutral","sentiment_score":0.1336113046377133,"num_words":39,"start":785.26,"end":802.645},{"sentences":[{"text":"Exactly.","start":805.105,"end":805.605,"sentiment":"neutral","sentiment_score":0.023596640676259995},{"text":"Yeah.","start":810.625,"end":810.865,"sentiment":"neutral","sentiment_score":0.010699355974793434},{"text":"Yeah.","start":810.865,"end":811.365,"sentiment":"neutral","sentiment_score":-0.00373188778758049},{"text":"Yep.","start":814.26,"end":814.76,"sentiment":"neutral","sentiment_score":0.0669374018907547},{"text":"Yeah.","start":823.78,"end":824.18005,"sentiment":"neutral","sentiment_score":0.05724918097257614}],"sentiment":"neutral","sentiment_score":0.030950138345360756,"num_words":5,"start":805.105,"end":824.18005},{"sentences":[{"text":"I can try my best then.","start":824.18005,"end":825.22003,"sentiment":"neutral","sentiment_score":0.027528381596008938},{"text":"I'll ask a few bucks about it, mate.","start":825.22003,"end":827.0,"sentiment":"neutral","sentiment_score":0.07326427521184087},{"text":"Yeah.","start":829.055,"end":829.555,"sentiment":"neutral","sentiment_score":0.06458386778831482},{"text":"Nah.","start":833.69495,"end":834.01495,"sentiment":"neutral","sentiment_score":0.005682903341948986},{"text":"So we pay our union fees, which obviously go up and increase, like, tolls and all sorts of stuff due every couple of months.","start":834.01495,"end":840.095,"sentiment":"neutral","sentiment_score":-0.0071080051905785995}],"sentiment":"neutral","sentiment_score":0.01627397844567895,"num_words":40,"start":824.18005,"end":840.095},{"sentences":[{"text":"But I think it's, like, $35 a fortnight or something.","start":840.095,"end":844.26,"sentiment":"neutral","sentiment_score":0.012210032786242664},{"text":"But they get us all their benefits, and then the company's gotta pay into it.","start":844.26,"end":848.34,"sentiment":"neutral","sentiment_score":-0.011808225388328234},{"text":"So it's part of their same with our long service and our redundancy.","start":848.34,"end":851.08,"sentiment":"neutral","sentiment_score":0.03298480443369884},{"text":"They pay into a little amount, so we get a redundancy pack so that if we ever lost our job or got sacked or whatever, we can claim that.","start":851.46,"end":857.805,"sentiment":"neutral","sentiment_score":0.019978308359739082},{"text":"That that the company's got to put in for that sort of stuff, same as what they got to put in for your super.","start":858.025,"end":862.025,"sentiment":"neutral","sentiment_score":0.07023698122551043}],"sentiment":"neutral","sentiment_score":0.02899821864307991,"num_words":91,"start":840.095,"end":862.025},{"sentences":[{"text":"So it's a good little we're at it.","start":862.025,"end":864.10504,"sentiment":"positive","sentiment_score":0.6127148792147636},{"text":"We're we're not the only thing we pay is our membership to the union every every fortnight or every six months, whatever you choose to do.","start":864.10504,"end":869.91,"sentiment":"neutral","sentiment_score":0.22060199139209893},{"text":"So that's pretty good.","start":869.91,"end":870.70996,"sentiment":"positive","sentiment_score":0.6458057910203934},{"text":"It cost us not, really, in the scheme of things.","start":870.70996,"end":873.52997,"sentiment":"neutral","sentiment_score":0.16057133227586745},{"text":"I mean, it's yeah.","start":882.26495,"end":882.985,"sentiment":"neutral","sentiment_score":0.2933988459408283}],"sentiment":"neutral","sentiment_score":0.3076904361637739,"num_words":52,"start":862.025,"end":882.985},{"sentences":[{"text":"Like I said, it's good.","start":882.985,"end":883.945,"sentiment":"neutral","sentiment_score":0.29676294028759004},{"text":"There's pros and cons with everything, but and, like I said, people blow up about it, but they're pretty good if you're part of it and you know?","start":883.945,"end":891.96497,"sentiment":"neutral","sentiment_score":0.07545442845938462},{"text":"But, yeah, definitely, I can.","start":892.665,"end":894.125,"sentiment":"neutral","sentiment_score":-0.04741512481123209},{"text":"No.","start":895.81,"end":896.13,"sentiment":"neutral","sentiment_score":-0.109153114259243},{"text":"Not really, man.","start":896.13,"end":896.77,"sentiment":"neutral","sentiment_score":-0.11906454960505168}],"sentiment":"neutral","sentiment_score":0.06888372169452764,"num_words":42,"start":882.985,"end":896.77},{"sentences":[{"text":"I'm pretty pretty comfortable.","start":896.77,"end":898.13,"sentiment":"neutral","sentiment_score":0.05891526769846678},{"text":"I'm at a pretty good job.","start":898.13,"end":899.25,"sentiment":"neutral","sentiment_score":0.2775624444087346},{"text":"Earned some good money.","start":899.25,"end":900.05,"sentiment":"positive","sentiment_score":0.3827208802103996},{"text":"I get some good variety.","start":900.05,"end":901.33,"sentiment":"positive","sentiment_score":0.3697028040885925},{"text":"It's it's pretty it's a sort of a job for a lifetime, I suppose, probably till I'm a bit older.","start":901.33,"end":905.99,"sentiment":"neutral","sentiment_score":0.11115060951560736}],"sentiment":"neutral","sentiment_score":0.1923960376626406,"num_words":39,"start":896.77,"end":905.99},{"sentences":[{"text":"Yeah.","start":911.915,"end":912.415,"sentiment":"neutral","sentiment_score":0.11746839433908464},{"text":"That's what the whole point was.","start":916.235,"end":917.595,"sentiment":"neutral","sentiment_score":0.10834488769372304},{"text":"That end goal was the big thing.","start":917.595,"end":919.275,"sentiment":"neutral","sentiment_score":0.2588008450610297},{"text":"That fellow workers with you guys, and that's what he said.","start":919.275,"end":921.435,"sentiment":"neutral","sentiment_score":0.3041890805417841},{"text":"The end goal is the big picture.","start":921.435,"end":922.895,"sentiment":"positive","sentiment_score":0.34176364115306307}],"sentiment":"neutral","sentiment_score":0.25992403156124055,"num_words":32,"start":911.915,"end":922.895},{"sentences":[{"text":"The only thing I gotta ask is it Carl has explained it to me many times.","start":924.99,"end":930.27,"sentiment":"neutral","sentiment_score":-0.10357542661949992},{"text":"I'm a bit of an idiot.","start":930.27,"end":931.41003,"sentiment":"negative","sentiment_score":-0.47743146618207294},{"text":"I understand you're just trying to keep the and it's good thing that he's kept the insurance now to save us because, obviously, the MetLife doesn't wanna insure me, which is fine.","start":931.71,"end":941.215,"sentiment":"positive","sentiment_score":0.3809831333346665},{"text":"How does it work with so all my my company still pays super into C Bus.","start":942.235,"end":948.495,"sentiment":"neutral","sentiment_score":0.15544399060308933},{"text":"Right?","start":948.875,"end":949.35504,"sentiment":"neutral","sentiment_score":0.12588001787662506}],"sentiment":"neutral","sentiment_score":0.14482603536944993,"num_words":71,"start":924.99,"end":949.35504},{"sentences":[{"text":"So and then every, what, six to twelve months, we'll revisit and then you'll bring that money back over?","start":949.35504,"end":955.75,"sentiment":"neutral","sentiment_score":0.05232402672500987},{"text":"Or do you just plan on keeping, like, a $30 in there just to dwindle away?","start":956.13,"end":960.45,"sentiment":"neutral","sentiment_score":-0.04446186509449035},{"text":"Or how does it sort of looking?","start":960.45,"end":963.75,"sentiment":"neutral","sentiment_score":0.009543000853487424},{"text":"Yes.","start":968.585,"end":969.085,"sentiment":"neutral","sentiment_score":0.06781220436096191},{"text":"Yes.","start":970.745,"end":971.245,"sentiment":"neutral","sentiment_score":0.06047961860895157}],"sentiment":"neutral","sentiment_score":0.010860443072901531,"num_words":44,"start":949.35504,"end":971.245},{"sentences":[{"text":"Yep.","start":972.265,"end":972.765,"sentiment":"neutral","sentiment_score":0.14603304862976074},{"text":"Yep.","start":975.78503,"end":976.28503,"sentiment":"neutral","sentiment_score":0.14323690533638},{"text":"Yep.","start":978.265,"end":978.765,"sentiment":"neutral","sentiment_score":0.10715758800506592},{"text":"Excellent.","start":980.505,"end":981.005,"sentiment":"positive","sentiment_score":0.47074592113494873},{"text":"Yep.","start":981.145,"end":981.51,"sentiment":"neutral","sentiment_score":0.19507883489131927}],"sentiment":"neutral","sentiment_score":0.21245045959949493,"num_words":5,"start":972.265,"end":981.51},{"sentences":[{"text":"Okay.","start":982.07,"end":982.47003,"sentiment":"neutral","sentiment_score":0.049093157052993774},{"text":"No dramas here.","start":982.47003,"end":983.35004,"sentiment":"neutral","sentiment_score":-0.03764732864995798},{"text":"That's I thought that was the case, but I thought maybe I'm just reading it a bit wrong.","start":983.35004,"end":986.89,"sentiment":"neutral","sentiment_score":-0.14237469476130274},{"text":"Yeah.","start":991.11,"end":991.43,"sentiment":"neutral","sentiment_score":0.0001574372872710228},{"text":"Just just $10 or something.","start":991.43,"end":992.87,"sentiment":"neutral","sentiment_score":-0.005465996824204922}],"sentiment":"neutral","sentiment_score":-0.0947773529083601,"num_words":28,"start":982.07,"end":992.87},{"sentences":[{"text":"Yeah.","start":992.87,"end":993.11,"sentiment":"neutral","sentiment_score":0.02120969071984291},{"text":"But the thing is I'm getting paid every week into a settle go up, obviously, and our salary sacrifice into the two.","start":993.11,"end":998.305,"sentiment":"neutral","sentiment_score":-0.0008302652065388181},{"text":"That was the biggest thing I was thinking.","start":998.305,"end":999.58496,"sentiment":"neutral","sentiment_score":-0.029253169894218445},{"text":"Do I stop the salary sacrifice and salary sacrifice into hub 24, or do I just leave it in the sea bus?","start":999.58496,"end":1006.625,"sentiment":"neutral","sentiment_score":-0.057282559742981735},{"text":"You know?","start":1006.625,"end":1006.945,"sentiment":"neutral","sentiment_score":-0.03571245167404413}],"sentiment":"neutral","sentiment_score":-0.028413140375844456,"num_words":55,"start":992.87,"end":1006.945},{"sentences":[{"text":"Because I thought I didn't know what really to do there either because I feel like the whole point of jumping over with you guys was to increase, like, obviously, the super.","start":1006.945,"end":1016.5,"sentiment":"neutral","sentiment_score":-0.090829832945019},{"text":"So should I just salary sacrifice into the c bus just to keep it moving, or should I salary of us in the hub 24 to get it, like, obviously, picking up?","start":1016.56,"end":1027.135,"sentiment":"neutral","sentiment_score":0.025505589321255684},{"text":"You know?","start":1027.1951,"end":1027.855,"sentiment":"neutral","sentiment_score":0.019394278526306152},{"text":"I can ask them.","start":1035.23,"end":1036.03,"sentiment":"neutral","sentiment_score":0.2066143974661827},{"text":"It's no drama.","start":1036.03,"end":1037.0701,"sentiment":"neutral","sentiment_score":0.18332937359809875}],"sentiment":"neutral","sentiment_score":-0.009248514085599822,"num_words":73,"start":1006.945,"end":1037.0701},{"sentences":[{"text":"I I don't say it's a drama because they just I can ask them, but I don't think it would be a drama because it's all automated anyway.","start":1037.0701,"end":1043.65,"sentiment":"neutral","sentiment_score":-0.21173813992312976},{"text":"So all they do is I just salary sacrifice 5%, and they would just nominate it into said account.","start":1044.03,"end":1049.09,"sentiment":"neutral","sentiment_score":-0.05858985962052094},{"text":"So they pay my super into c bus, and then they have to pay the salary sacrifice part into it as well.","start":1049.2849,"end":1056.085,"sentiment":"neutral","sentiment_score":0.0003754764964634722},{"text":"So that I'm assuming they would have to click more buttons.","start":1056.085,"end":1058.085,"sentiment":"neutral","sentiment_score":-0.07022283226251602},{"text":"But if they had to swap and go from c bus to Hub 24, I can't see it being a drama.","start":1058.085,"end":1063.865,"sentiment":"neutral","sentiment_score":-0.20893490420920507}],"sentiment":"neutral","sentiment_score":-0.12072969218808235,"num_words":101,"start":1037.0701,"end":1063.865},{"sentences":[{"text":"But I wasn't sure if I'd like because, obviously, they're automatically paying into it, and I just figured, like, it would move my hub 24 up a lot more if I was putting that extra 5%.","start":1064.5099,"end":1075.3099,"sentiment":"neutral","sentiment_score":-0.08171989375518428},{"text":"Because some weeks, I can put a $160.","start":1075.3099,"end":1077.485,"sentiment":"neutral","sentiment_score":0.007353473454713821},{"text":"Another week, so I can put up with the $400 depending on how many hours I do for the week.","start":1077.485,"end":1081.085,"sentiment":"neutral","sentiment_score":0.022798150964081287},{"text":"You know?","start":1081.085,"end":1081.6649,"sentiment":"neutral","sentiment_score":-0.004392669070512056},{"text":"That's yeah.","start":1083.005,"end":1084.1449,"sentiment":"neutral","sentiment_score":0.05301412753760815}],"sentiment":"neutral","sentiment_score":-0.034262977225486844,"num_words":68,"start":1064.5099,"end":1084.1449},{"sentences":[{"text":"Weekly.","start":1086.5249,"end":1087.0249,"sentiment":"neutral","sentiment_score":0.039904557168483734},{"text":"Yeah.","start":1088.765,"end":1089.15,"sentiment":"positive","sentiment_score":0.5442638397216797},{"text":"And I think the other thing too, they said on the system that I own a $130.","start":1090.11,"end":1095.15,"sentiment":"neutral","sentiment_score":-0.05522941644577419},{"text":"I mean, that's very like, my job is very dependent on overtime.","start":1095.15,"end":1099.23,"sentiment":"neutral","sentiment_score":-0.17487519482771555},{"text":"So, like, some years I can pull up with the 2 and $30 in a year, but then, obviously, other times when there's no overtime, you're not really earning that much either.","start":1099.23,"end":1107.605,"sentiment":"neutral","sentiment_score":-0.15909004514105618}],"sentiment":"neutral","sentiment_score":-0.11974786452594258,"num_words":63,"start":1086.5249,"end":1107.605},{"sentences":[{"text":"So it's a bit that's why I tried to explain to Colin, I think her name was Jordan.","start":1108.5449,"end":1112.485,"sentiment":"neutral","sentiment_score":-0.10626755344371001},{"text":"It's very up and down.","start":1112.705,"end":1114.065,"sentiment":"negative","sentiment_score":-0.3833156168460846},{"text":"It's like a rollercoaster job.","start":1114.065,"end":1115.59,"sentiment":"negative","sentiment_score":-0.4036484122276306},{"text":"Say one week, you'll do forty hours.","start":1115.59,"end":1117.11,"sentiment":"neutral","sentiment_score":-0.13637859054974147},{"text":"The next week, you'll do ninety.","start":1117.11,"end":1118.3099,"sentiment":"neutral","sentiment_score":-0.11964365094900131}],"sentiment":"neutral","sentiment_score":-0.18341824748530622,"num_words":41,"start":1108.5449,"end":1118.3099},{"sentences":[{"text":"It just depends.","start":1118.3099,"end":1119.21,"sentiment":"neutral","sentiment_score":-0.13248164455095926},{"text":"Yeah.","start":1124.6299,"end":1125.1299,"sentiment":"neutral","sentiment_score":0.0018848404288291931},{"text":"Yep.","start":1128.7899,"end":1129.2899,"sentiment":"neutral","sentiment_score":0.11439873278141022},{"text":"Yeah.","start":1136.995,"end":1137.495,"sentiment":"neutral","sentiment_score":0.1947297751903534},{"text":"Yep.","start":1137.9551,"end":1138.4551,"sentiment":"positive","sentiment_score":0.3872411847114563}],"sentiment":"neutral","sentiment_score":0.04297279992273876,"num_words":7,"start":1118.3099,"end":1138.4551},{"sentences":[{"text":"Yep.","start":1139.0751,"end":1139.5751,"sentiment":"neutral","sentiment_score":0.27606773376464844},{"text":"Yep.","start":1151.26,"end":1151.76,"sentiment":"positive","sentiment_score":0.49125298857688904},{"text":"Yep.","start":1161.085,"end":1161.585,"sentiment":"positive","sentiment_score":0.4553598165512085},{"text":"Yep.","start":1164.285,"end":1164.785,"sentiment":"neutral","sentiment_score":0.19344161450862885},{"text":"Yep.","start":1170.62,"end":1171.12,"sentiment":"neutral","sentiment_score":0.0216180682182312}],"sentiment":"neutral","sentiment_score":0.2875480443239212,"num_words":5,"start":1139.0751,"end":1171.12},{"sentences":[{"text":"I'll have a quick look I got paid before.","start":1174.22,"end":1176.16,"sentiment":"neutral","sentiment_score":0.01673768584926923},{"text":"But this is another thing too.","start":1176.78,"end":1178.38,"sentiment":"neutral","sentiment_score":0.09850639042754968},{"text":"They changed the pay slip around.","start":1178.38,"end":1180.16,"sentiment":"neutral","sentiment_score":-0.04025013682742914},{"text":"But last year, we had absolutely heaps of info, and they changed the system in a few dates because we merged a few companies.","start":1180.54,"end":1188.065,"sentiment":"neutral","sentiment_score":-0.01960703746105234},{"text":"So here, my year to date year to date gross payments, 193,000 and and $26.","start":1189.885,"end":1200.37,"sentiment":"neutral","sentiment_score":0.05378959489365419}],"sentiment":"neutral","sentiment_score":0.01394086197639505,"num_words":60,"start":1174.22,"end":1200.37},{"sentences":[{"text":"That's that's right.","start":1202.51,"end":1205.49,"sentiment":"neutral","sentiment_score":0.18835881352424622},{"text":"It's got my it's got my taxable income as well with the but, yeah, my year to date.","start":1206.43,"end":1210.83,"sentiment":"neutral","sentiment_score":0.03506046150707536},{"text":"Yeah.","start":1210.83,"end":1211.07,"sentiment":"neutral","sentiment_score":0.03322724997997284},{"text":"So it's 193,000 this year.","start":1211.07,"end":1218.305,"sentiment":"neutral","sentiment_score":0.03064885102212429},{"text":"Yep.","start":1218.925,"end":1219.425,"sentiment":"neutral","sentiment_score":0.08314231038093567}],"sentiment":"neutral","sentiment_score":0.05234923439898661,"num_words":28,"start":1202.51,"end":1219.425},{"sentences":[{"text":"Yep.","start":1219.485,"end":1219.985,"sentiment":"neutral","sentiment_score":0.07501404732465744},{"text":"Yes.","start":1225.645,"end":1226.07,"sentiment":"neutral","sentiment_score":0.08029225468635559},{"text":"Yep.","start":1227.83,"end":1228.33,"sentiment":"neutral","sentiment_score":0.07370948046445847},{"text":"Yep.","start":1253.775,"end":1254.03,"sentiment":"neutral","sentiment_score":0.00752036040648818},{"text":"Yeah.","start":1255.79,"end":1255.87,"sentiment":"neutral","sentiment_score":0.02570609748363495}],"sentiment":"neutral","sentiment_score":0.05244844807311892,"num_words":5,"start":1219.485,"end":1255.87},{"sentences":[{"text":"And then you gotta pay pay the tax on it.","start":1255.87,"end":1258.2101,"sentiment":"neutral","sentiment_score":-0.0290813822299242},{"text":"Yeah.","start":1266.5901,"end":1266.8301,"sentiment":"neutral","sentiment_score":-0.03798361495137215},{"text":"Which won't have any.","start":1266.8301,"end":1268.2101,"sentiment":"neutral","sentiment_score":-0.08014765754342079},{"text":"So I've tried I've tried to hit so this is just me being me.","start":1271.055,"end":1274.335,"sentiment":"neutral","sentiment_score":-0.0523618438414165},{"text":"I've tried to hit $30, sale super every year.","start":1274.335,"end":1278.255,"sentiment":"neutral","sentiment_score":0.040218720936940774}],"sentiment":"neutral","sentiment_score":-0.02685487875714898,"num_words":38,"start":1255.87,"end":1278.255},{"sentences":[{"text":"I've I've a few years, I've been a bit short, but every year since I've been selling sacrifice, I've been trying to hit that 30,000 mark to make it work me well.","start":1278.255,"end":1285.7699,"sentiment":"neutral","sentiment_score":0.04430420545395464},{"text":"And the way I used to look at it was my company used to put in about 14 or 15,000, so I would have to put in the same.","start":1285.7699,"end":1291.21,"sentiment":"neutral","sentiment_score":0.007933116164700738},{"text":"And that's why, as I said, some weeks, it's really good.","start":1291.21,"end":1294.1699,"sentiment":"positive","sentiment_score":0.3914762938564474},{"text":"And, like, a couple of years ago, I was doing, like, a lot of less weeks, like, just forty hours.","start":1294.1699,"end":1298.095,"sentiment":"neutral","sentiment_score":0.0278689093887806},{"text":"So I was just dwindling away.","start":1298.095,"end":1299.775,"sentiment":"neutral","sentiment_score":-0.155696839094162}],"sentiment":"neutral","sentiment_score":0.05691052376463705,"num_words":98,"start":1278.255,"end":1299.775},{"sentences":[{"text":"I was only putting in, like, a $150 a week or something extra, and it worked out choice.","start":1299.775,"end":1305.155,"sentiment":"neutral","sentiment_score":-0.0012180933521853553},{"text":"It worked out awesome because, you know, I was only I only put in, like, maximum of, like, $24 total.","start":1305.215,"end":1310.575,"sentiment":"positive","sentiment_score":0.4245129249989986},{"text":"But then, like, two years ago, then I've done a massive year, a month to year, and I was right on the I was, like, a couple $100 shy, and I was very lucky.","start":1310.575,"end":1318.14,"sentiment":"positive","sentiment_score":0.3976818923564518},{"text":"Yep.","start":1324.6799,"end":1325.1799,"sentiment":"neutral","sentiment_score":0.061181675642728806},{"text":"Yeah.","start":1330.465,"end":1330.965,"sentiment":"neutral","sentiment_score":0.06611763685941696}],"sentiment":"neutral","sentiment_score":0.2988758982738128,"num_words":74,"start":1299.775,"end":1330.965},{"sentences":[{"text":"Yeah.","start":1331.585,"end":1331.825,"sentiment":"neutral","sentiment_score":0.13739067316055298},{"text":"I'm I'm cool, though.","start":1331.825,"end":1333.125,"sentiment":"neutral","sentiment_score":0.2615004889667034},{"text":"Yep.","start":1338.7849,"end":1338.96,"sentiment":"neutral","sentiment_score":0.05667765438556671},{"text":"Yeah.","start":1341.12,"end":1341.62,"sentiment":"neutral","sentiment_score":0.04616715759038925},{"text":"And that's another thing too because I I was never on I was never sure the reason I did 5% is to do the work to follow that switch is actually his name's Dustin.","start":1342.0,"end":1351.2799,"sentiment":"neutral","sentiment_score":0.03904169671894873}],"sentiment":"neutral","sentiment_score":0.0637476860840873,"num_words":41,"start":1331.585,"end":1351.2799},{"sentences":[{"text":"He told me to do 5% because it worked out well because on a low week, you're obviously only putting in an extra $100, but you still have sat for us.","start":1351.2799,"end":1358.055,"sentiment":"neutral","sentiment_score":0.26074141744644413},{"text":"On a high week, you can put it up to $3,400, and it brings it obviously off to your yearly income and all that sort of.","start":1358.055,"end":1364.055,"sentiment":"positive","sentiment_score":0.4864923403813289},{"text":"You get your little tax benefits from it too.","start":1364.055,"end":1365.895,"sentiment":"positive","sentiment_score":0.6205526292324066},{"text":"That's why the 5% was working.","start":1365.895,"end":1367.8151,"sentiment":"neutral","sentiment_score":0.2859208807349205},{"text":"But, obviously, throughout the last two years, I've increased in my pay by pulling up a couple of categories, doing a bit of different stuff inside the job.","start":1367.8151,"end":1375.13,"sentiment":"neutral","sentiment_score":0.31219807480062756}],"sentiment":"positive","sentiment_score":0.3677382983267307,"num_words":100,"start":1351.2799,"end":1375.13},{"sentences":[{"text":"So I'm actually earning a little bit more.","start":1375.13,"end":1376.6499,"sentiment":"positive","sentiment_score":0.37665559351444244},{"text":"So my 5% would be, like you're saying, would be encroaching pretty high, actually.","start":1376.6499,"end":1380.345,"sentiment":"neutral","sentiment_score":-0.07642205538494247},{"text":"100 percent.","start":1386.4249,"end":1387.145,"sentiment":"neutral","sentiment_score":0.2833227962255478},{"text":"Yeah.","start":1387.145,"end":1387.645,"sentiment":"neutral","sentiment_score":0.1664697229862213},{"text":"Yeah.","start":1391.705,"end":1392.205,"sentiment":"neutral","sentiment_score":0.09889671206474304}],"sentiment":"neutral","sentiment_score":0.10674415385493866,"num_words":26,"start":1375.13,"end":1392.205},{"sentences":[{"text":"Yep.","start":1396.62,"end":1397.12,"sentiment":"neutral","sentiment_score":0.1213664561510086},{"text":"There's a father at work that told me see, my driver at work told me exactly to do that.","start":1403.1,"end":1408.22,"sentiment":"neutral","sentiment_score":0.09694010921214756},{"text":"He said, you're only 30 years old now.","start":1408.22,"end":1410.515,"sentiment":"neutral","sentiment_score":0.046442897990345955},{"text":"I'm 33.","start":1410.515,"end":1411.155,"sentiment":"neutral","sentiment_score":0.07650813832879066},{"text":"But because you're 30 years old, you shouldn't be worrying about super you should be worrying about dropping the hell out of your mortgage before you hit 50.","start":1411.155,"end":1416.515,"sentiment":"neutral","sentiment_score":-0.0718644242733717}],"sentiment":"neutral","sentiment_score":0.008199726070823341,"num_words":58,"start":1396.62,"end":1416.515},{"sentences":[{"text":"You know?","start":1416.515,"end":1416.915,"sentiment":"neutral","sentiment_score":0.0313953161239624},{"text":"That was his attitude.","start":1416.915,"end":1418.035,"sentiment":"neutral","sentiment_score":0.03370872884988785},{"text":"And it and I just sort of left the salary like set to forget.","start":1418.035,"end":1422.13,"sentiment":"neutral","sentiment_score":-0.0006807552916663033},{"text":"You know?","start":1422.13,"end":1422.53,"sentiment":"neutral","sentiment_score":0.060084860771894455},{"text":"It was just easy money just to just do it like that.","start":1422.53,"end":1425.09,"sentiment":"neutral","sentiment_score":0.16861420745650926}],"sentiment":"neutral","sentiment_score":0.06857750542900141,"num_words":34,"start":1416.515,"end":1425.09},{"sentences":[{"text":"But you're not wrong, especially an extra $200 every week.","start":1425.09,"end":1428.53,"sentiment":"neutral","sentiment_score":0.2867050379514694},{"text":"And then there's fifty two weeks in a year that's, you know, a couple of thousand dollars extra bringing down the offset.","start":1428.53,"end":1433.59,"sentiment":"neutral","sentiment_score":0.06982119652357968},{"text":"It's probably not a dumb idea, actually.","start":1433.755,"end":1435.775,"sentiment":"neutral","sentiment_score":-0.29675549800906864},{"text":"Yep.","start":1444.7949,"end":1445.2949,"sentiment":"positive","sentiment_score":0.35355180501937866},{"text":"Yep.","start":1447.53,"end":1448.03,"sentiment":"positive","sentiment_score":0.5555371642112732}],"sentiment":"neutral","sentiment_score":0.07890041917562485,"num_words":41,"start":1425.09,"end":1448.03},{"sentences":[{"text":"Yep.","start":1450.65,"end":1451.15,"sentiment":"neutral","sentiment_score":0.24768295884132385},{"text":"Yep.","start":1454.97,"end":1455.47,"sentiment":"neutral","sentiment_score":0.1364395022392273},{"text":"Yep.","start":1458.89,"end":1459.39,"sentiment":"neutral","sentiment_score":0.2147914171218872},{"text":"Yeah.","start":1464.125,"end":1464.625,"sentiment":"positive","sentiment_score":0.380492627620697},{"text":"Yeah.","start":1466.925,"end":1467.425,"sentiment":"positive","sentiment_score":0.4744493365287781}],"sentiment":"neutral","sentiment_score":0.2907711684703827,"num_words":5,"start":1450.65,"end":1467.425},{"sentences":[{"text":"Yeah.","start":1469.725,"end":1470.045,"sentiment":"neutral","sentiment_score":0.31087934970855713},{"text":"Right.","start":1470.045,"end":1470.285,"sentiment":"positive","sentiment_score":0.3353283405303955},{"text":"So in a sense, pull the salary sacrifice back, start putting that extra into the mortgage on the weekly basis, put it into the offset, bring all my tax down.","start":1470.285,"end":1481.86,"sentiment":"neutral","sentiment_score":0.3218442589044571},{"text":"And then, like you said, at the end of the year, whatever's, like, owing towards that $30, just pull it out and get the maximum amount out of your super contributions.","start":1481.86,"end":1491.185,"sentiment":"neutral","sentiment_score":0.33301354704364655},{"text":"That's what you're saying, isn't it?","start":1492.685,"end":1493.885,"sentiment":"neutral","sentiment_score":0.02835225872695446}],"sentiment":"neutral","sentiment_score":0.301377811131702,"num_words":69,"start":1469.725,"end":1493.885},{"sentences":[{"text":"Yep.","start":1493.885,"end":1494.385,"sentiment":"neutral","sentiment_score":-0.001888727187179029},{"text":"Yep.","start":1498.4451,"end":1498.9451,"sentiment":"positive","sentiment_score":0.33400067687034607},{"text":"Yep.","start":1501.0851,"end":1501.5851,"sentiment":"positive","sentiment_score":0.3896641135215759},{"text":"Yep.","start":1503.26,"end":1503.76,"sentiment":"neutral","sentiment_score":0.08043511211872101},{"text":"Because it doesn't I suppose it doesn't matter about the sales tax cost because they're all my company board is automatically putting in the seat bus.","start":1503.98,"end":1510.14,"sentiment":"neutral","sentiment_score":0.005538003042322368}],"sentiment":"neutral","sentiment_score":0.03153997514746152,"num_words":30,"start":1493.885,"end":1510.14},{"sentences":[{"text":"So surely, the money that they're putting in every year, if they're putting in $15, would he keep me, like, skating above the the bottom of the barrel with the insurances?","start":1510.14,"end":1521.325,"sentiment":"neutral","sentiment_score":-0.13387061895862704},{"text":"I would like to think.","start":1521.5449,"end":1522.505,"sentiment":"neutral","sentiment_score":-0.1347043991088867},{"text":"I would I don't think they'd take $15 a year, but you never know.","start":1522.505,"end":1525.8049,"sentiment":"neutral","sentiment_score":-0.20695197795118606},{"text":"Yeah.","start":1533.0599,"end":1533.2999,"sentiment":"neutral","sentiment_score":0.2611120045185089},{"text":"Yeah.","start":1533.2999,"end":1533.62,"sentiment":"neutral","sentiment_score":0.2452990561723709}],"sentiment":"neutral","sentiment_score":-0.1387389964209153,"num_words":52,"start":1510.14,"end":1533.62},{"sentences":[{"text":"So I'm I'm sorta yeah.","start":1533.62,"end":1535.0599,"sentiment":"neutral","sentiment_score":0.1978168696165085},{"text":"Like you said, well ahead, and I should probably be looking at the bigger picture with the house, actually.","start":1535.0599,"end":1538.74,"sentiment":"neutral","sentiment_score":0.31314243768390854},{"text":"It's not a dumb idea.","start":1538.74,"end":1539.96,"sentiment":"neutral","sentiment_score":0.11743632704019547},{"text":"Come on.","start":1541.46,"end":1541.7799,"sentiment":"neutral","sentiment_score":0.2333531379699707},{"text":"I'll have to talk to my wife.","start":1541.7799,"end":1543.32,"sentiment":"neutral","sentiment_score":0.302740861262594}],"sentiment":"neutral","sentiment_score":0.26610170010673373,"num_words":38,"start":1533.62,"end":1543.32},{"sentences":[{"text":"Yeah.","start":1546.755,"end":1547.255,"sentiment":"neutral","sentiment_score":0.32641059160232544},{"text":"It's it sounds really weird.","start":1558.4349,"end":1564.76,"sentiment":"neutral","sentiment_score":-0.1975953310728073},{"text":"Do you reckon it would be worse?","start":1564.76,"end":1566.38,"sentiment":"negative","sentiment_score":-0.34845976744379314},{"text":"This is probably a bit much.","start":1567.0,"end":1568.62,"sentiment":"neutral","sentiment_score":-0.2995646297931671},{"text":"If I was to work out what my percent because my super is obviously off my forty hours, and my forty hours doesn't really change.","start":1568.76,"end":1575.0149,"sentiment":"neutral","sentiment_score":-0.1789129412174225}],"sentiment":"neutral","sentiment_score":-0.2129771760241552,"num_words":44,"start":1546.755,"end":1575.0149},{"sentences":[{"text":"So if I worked out what board has put in every year, and then I worked at how much I need to salary sacrifice every week, let's say it was a $110, for example, say, is it worth putting a $110 so I meet the threshold and throwing the extra into the offset?","start":1575.0149,"end":1590.33,"sentiment":"neutral","sentiment_score":-0.019681827569345257},{"text":"So, like, I'm I'm guaranteed to make me maximum $30, but, obviously, the I'm not doing 5% anymore because there's a chance I might go over the top of it.","start":1590.33,"end":1599.69,"sentiment":"neutral","sentiment_score":0.004990599987407526},{"text":"You know?","start":1599.69,"end":1600.065,"sentiment":"neutral","sentiment_score":-0.017858832143247128},{"text":"Or no.","start":1605.6649,"end":1606.3049,"sentiment":"neutral","sentiment_score":-0.15704931691288948},{"text":"Because they only pay me super on my forty hours, which is actually thirty six hours a week.","start":1606.3049,"end":1610.705,"sentiment":"neutral","sentiment_score":-0.2934090122580528}],"sentiment":"neutral","sentiment_score":-0.062139022669621874,"num_words":105,"start":1575.0149,"end":1610.705},{"sentences":[{"text":"They don't pay me on my overtime.","start":1610.705,"end":1612.245,"sentiment":"negative","sentiment_score":-0.38963070937565397},{"text":"If they have to pay us super on our overtime, then we would be paying fucking $60 a year into our super, it wouldn't be yeah.","start":1612.3049,"end":1618.94,"sentiment":"negative","sentiment_score":-0.4454047358953036},{"text":"They have to pay us only forty hours, which sorry.","start":1618.94,"end":1621.84,"sentiment":"neutral","sentiment_score":-0.286163367331028},{"text":"They pay us forty hours a week, and then two hours go to, obviously, our RDAs, and then two hours go to something else.","start":1622.38,"end":1627.5,"sentiment":"neutral","sentiment_score":0.07775721978396177},{"text":"So thirty six hour weeks is what we work.","start":1627.5,"end":1629.555,"sentiment":"neutral","sentiment_score":0.1329956849416097}],"sentiment":"neutral","sentiment_score":-0.18561101753852868,"num_words":76,"start":1610.705,"end":1629.555},{"sentences":[{"text":"Technically speaking, that's what we're paid for, and that's what they pay us super off.","start":1629.635,"end":1632.8351,"sentiment":"neutral","sentiment_score":0.24279825588067372},{"text":"They take it the percentage of 12 and a half percent off their thirty six hours.","start":1632.8351,"end":1637.5751,"sentiment":"neutral","sentiment_score":0.26829272136092186},{"text":"So it doesn't actually fluctuate.","start":1638.435,"end":1639.875,"sentiment":"neutral","sentiment_score":0.1266808606684208},{"text":"The only and the thing too, if I have holidays and sick days and stuff, because I'm still getting paid by a permanent employee, they still take the percentage of that.","start":1639.875,"end":1646.48,"sentiment":"neutral","sentiment_score":0.08178861523347516},{"text":"Because, obviously, you're getting the full day.","start":1646.7,"end":1648.72,"sentiment":"neutral","sentiment_score":0.21218606616769517}],"sentiment":"neutral","sentiment_score":0.170119070523494,"num_words":74,"start":1629.635,"end":1648.72},{"sentences":[{"text":"So they're always gonna be putting they're always in a in a sense, they always put in the same amount nearly every week.","start":1649.74,"end":1655.085,"sentiment":"neutral","sentiment_score":0.08417727749632753},{"text":"So it wouldn't be too hard to work out what they're actually putting in and then what I need to put in.","start":1656.205,"end":1661.245,"sentiment":"neutral","sentiment_score":0.06806082413955168},{"text":"And then throughout the year, if I get a couple $100, I could just put it over and, you know, and stop me 5%.","start":1661.245,"end":1667.75,"sentiment":"neutral","sentiment_score":0.06280205212533474},{"text":"That way, I've got no way of going over the threshold because I don't really wanna pay any more tax or anything on it.","start":1667.75,"end":1672.1699,"sentiment":"neutral","sentiment_score":-0.06601858025533147},{"text":"Yeah.","start":1675.35,"end":1675.85,"sentiment":"neutral","sentiment_score":0.13489151000976562}],"sentiment":"neutral","sentiment_score":0.037139471791228874,"num_words":94,"start":1649.74,"end":1675.85},{"sentences":[{"text":"Yeah.","start":1679.4299,"end":1679.6699,"sentiment":"neutral","sentiment_score":0.0931912213563919},{"text":"Yeah.","start":1679.6699,"end":1680.1699,"sentiment":"neutral","sentiment_score":0.08329036831855774},{"text":"Yep.","start":1681.75,"end":1682.25,"sentiment":"neutral","sentiment_score":0.07859347760677338},{"text":"Yep.","start":1686.315,"end":1686.815,"sentiment":"neutral","sentiment_score":0.12489165365695952},{"text":"Yep.","start":1691.355,"end":1691.855,"sentiment":"neutral","sentiment_score":0.11253678798675536}],"sentiment":"neutral","sentiment_score":0.09850070178508759,"num_words":5,"start":1679.4299,"end":1691.855},{"sentences":[{"text":"That's right.","start":1691.995,"end":1692.635,"sentiment":"neutral","sentiment_score":0.05937164090573788},{"text":"Yeah.","start":1692.635,"end":1693.135,"sentiment":"neutral","sentiment_score":0.03231307864189148},{"text":"Yep.","start":1696.1549,"end":1696.6549,"sentiment":"neutral","sentiment_score":0.08949188888072968},{"text":"Yeah.","start":1704.57,"end":1705.07,"sentiment":"neutral","sentiment_score":0.07665683329105377},{"text":"Yeah.","start":1708.8099,"end":1709.3099,"sentiment":"neutral","sentiment_score":0.0764685571193695}],"sentiment":"neutral","sentiment_score":0.06561227329075336,"num_words":6,"start":1691.995,"end":1709.3099},{"sentences":[{"text":"Yeah.","start":1709.45,"end":1709.95,"sentiment":"neutral","sentiment_score":0.07400014251470566},{"text":"That's right.","start":1713.115,"end":1713.675,"sentiment":"neutral","sentiment_score":0.10931135714054108},{"text":"That'd be, I think, the better option because I know for a fact if I just at least the best thing about the super it's not that I don't know how to find it, like, control my money and that, but it's just so easy.","start":1713.675,"end":1724.495,"sentiment":"positive","sentiment_score":0.42554137408733367},{"text":"Forget.","start":1724.7799,"end":1724.94,"sentiment":"positive","sentiment_score":0.4119759202003479},{"text":"It's just bang straight over.","start":1724.94,"end":1725.98,"sentiment":"positive","sentiment_score":0.649669885635376}],"sentiment":"positive","sentiment_score":0.42782055627968574,"num_words":54,"start":1709.45,"end":1725.98},{"sentences":[{"text":"I don't have to think about it every week.","start":1725.98,"end":1727.9199,"sentiment":"positive","sentiment_score":0.4288458757930332},{"text":"It just goes over.","start":1727.98,"end":1729.1799,"sentiment":"positive","sentiment_score":0.41607003659009933},{"text":"It does its thing.","start":1729.1799,"end":1730.2999,"sentiment":"positive","sentiment_score":0.6915809214115143},{"text":"It's earning money behind and on, and then I can just keep concentrating on other stuff.","start":1730.2999,"end":1733.82,"sentiment":"positive","sentiment_score":0.6183589659631252},{"text":"That's why I like the whole thing about them having to do it because I don't have to worry about it where I'm not saying I couldn't put the money over every year, but it'd be you know, like, it'd be like, fuck me.","start":1733.82,"end":1744.205,"sentiment":"positive","sentiment_score":0.38977789590981876}],"sentiment":"positive","sentiment_score":0.45888555311150364,"num_words":77,"start":1725.98,"end":1744.205},{"sentences":[{"text":"I gotta remember to do that now.","start":1744.205,"end":1745.325,"sentiment":"neutral","sentiment_score":-0.04324701747723988},{"text":"You know?","start":1745.325,"end":1745.645,"sentiment":"neutral","sentiment_score":0.09297971054911613},{"text":"That's why I like the fact that the salary is sacrificing and that.","start":1745.645,"end":1748.785,"sentiment":"positive","sentiment_score":0.41642525448248935},{"text":"Because this makes it so much easier for me.","start":1749.325,"end":1751.725,"sentiment":"positive","sentiment_score":0.44585131936603123},{"text":"Yeah.","start":1751.725,"end":1752.225,"sentiment":"neutral","sentiment_score":0.13085763156414032}],"sentiment":"neutral","sentiment_score":0.2950086910277605,"num_words":32,"start":1744.205,"end":1752.225},{"sentences":[{"text":"Exactly.","start":1756.27,"end":1756.75,"sentiment":"neutral","sentiment_score":0.04315862804651261},{"text":"Yeah.","start":1756.75,"end":1757.25,"sentiment":"neutral","sentiment_score":0.049101486802101135},{"text":"Yeah.","start":1759.63,"end":1760.13,"sentiment":"neutral","sentiment_score":0.045768145471811295},{"text":"Yeah.","start":1760.75,"end":1761.25,"sentiment":"neutral","sentiment_score":0.1199372410774231},{"text":"Yeah.","start":1764.6699,"end":1764.99,"sentiment":"neutral","sentiment_score":0.1244366690516472}],"sentiment":"neutral","sentiment_score":0.07648043408989906,"num_words":5,"start":1756.27,"end":1764.99},{"sentences":[{"text":"100% it would be.","start":1764.99,"end":1766.205,"sentiment":"neutral","sentiment_score":0.20052408427000046},{"text":"Yeah.","start":1770.9249,"end":1771.4249,"sentiment":"neutral","sentiment_score":0.2551453113555908},{"text":"I'll ask them tomorrow.","start":1773.005,"end":1774.1449,"sentiment":"positive","sentiment_score":0.4371454268693924},{"text":"Yeah.","start":1775.325,"end":1775.565,"sentiment":"neutral","sentiment_score":0.12051338702440262},{"text":"Yeah.","start":1775.565,"end":1775.885,"sentiment":"neutral","sentiment_score":0.11777140200138092}],"sentiment":"neutral","sentiment_score":0.27673710408535873,"num_words":11,"start":1764.99,"end":1775.885},{"sentences":[{"text":"Well, my thinking is that the more money I obviously, like I said, the the mortgage is a big thing.","start":1775.885,"end":1780.24,"sentiment":"neutral","sentiment_score":0.13015490844845773},{"text":"But the more money I put into you guys, obviously, the longevity of the game, hence why I jumped ship over to you guys is for the longevity of it.","start":1780.24,"end":1787.04,"sentiment":"neutral","sentiment_score":0.2691692297657331},{"text":"Like, you want the return dump.","start":1787.04,"end":1789.2001,"sentiment":"neutral","sentiment_score":0.0903115055213372},{"text":"But my theory was with Carl, and that's why I sorta didn't know how to word it was.","start":1789.2001,"end":1793.06,"sentiment":"neutral","sentiment_score":-0.04843145174284776},{"text":"No point me salary sacrificing in the because they're not really I'm only there for insurance, so they're not really helping me.","start":1793.415,"end":1798.8551,"sentiment":"negative","sentiment_score":-0.513472320003943}],"sentiment":"neutral","sentiment_score":-0.009876177879050374,"num_words":96,"start":1775.885,"end":1798.8551},{"sentences":[{"text":"And that's hence why I jumped over because they weren't helping me.","start":1798.8551,"end":1801.175,"sentiment":"negative","sentiment_score":-0.38453323642412823},{"text":"They weren't really benefiting.","start":1801.175,"end":1803.015,"sentiment":"negative","sentiment_score":-0.5120448023080826},{"text":"So I might as well put as maximum as I can in up 24.","start":1803.015,"end":1806.0751,"sentiment":"neutral","sentiment_score":-0.1618113693382059},{"text":"Obviously, like, possibly or the max of $15 or whatever, 32, you said, but total.","start":1806.7001,"end":1813.1001,"sentiment":"neutral","sentiment_score":-0.02955398050447305},{"text":"But, yeah, that's what I've that that's where I feel would be better off.","start":1813.1001,"end":1816.14,"sentiment":"neutral","sentiment_score":-0.11255918266916913}],"sentiment":"neutral","sentiment_score":-0.1855436522371562,"num_words":59,"start":1798.8551,"end":1816.14},{"sentences":[{"text":"You know?","start":1816.14,"end":1816.8,"sentiment":"neutral","sentiment_score":0.0685555674135685},{"text":"Yeah.","start":1829.605,"end":1830.105,"sentiment":"neutral","sentiment_score":0.050289809703826904},{"text":"That's right.","start":1830.645,"end":1831.545,"sentiment":"neutral","sentiment_score":0.03628193028271198},{"text":"Yeah.","start":1834.405,"end":1834.905,"sentiment":"neutral","sentiment_score":0.04428069293498993},{"text":"Yeah.","start":1837.54,"end":1837.78,"sentiment":"neutral","sentiment_score":0.07120056450366974}],"sentiment":"neutral","sentiment_score":0.05363515179072108,"num_words":7,"start":1816.14,"end":1837.78},{"sentences":[{"text":"Yeah.","start":1837.78,"end":1837.86,"sentiment":"neutral","sentiment_score":0.05541065335273743},{"text":"And that's right.","start":1837.86,"end":1838.58,"sentiment":"neutral","sentiment_score":0.048322406907876335},{"text":"Just enough to keep the insurances pushing along while I worry about losing some weight.","start":1838.58,"end":1844.92,"sentiment":"neutral","sentiment_score":0.04704606135686239},{"text":"Yep.","start":1851.885,"end":1852.385,"sentiment":"neutral","sentiment_score":0.10547474026679993},{"text":"Yep.","start":1854.125,"end":1854.625,"sentiment":"neutral","sentiment_score":0.05677776038646698}],"sentiment":"neutral","sentiment_score":0.050872442622979484,"num_words":21,"start":1837.78,"end":1854.625},{"sentences":[{"text":"Yep.","start":1866.35,"end":1866.85,"sentiment":"neutral","sentiment_score":0.08334220945835114},{"text":"Yeah.","start":1873.95,"end":1874.45,"sentiment":"neutral","sentiment_score":0.03497433662414551},{"text":"If you want me to, I can maybe so we don't have a payroll lady at work, but she's our, like, head admin.","start":1876.27,"end":1882.605,"sentiment":"neutral","sentiment_score":-0.0133855901658535},{"text":"Our payroll goes into another section.","start":1882.985,"end":1885.465,"sentiment":"neutral","sentiment_score":-0.00039714543769756955},{"text":"Maybe I can ask her.","start":1885.465,"end":1886.925,"sentiment":"neutral","sentiment_score":0.047086258232593534}],"sentiment":"neutral","sentiment_score":0.0012082330779069,"num_words":36,"start":1866.35,"end":1886.925},{"sentences":[{"text":"She would be able she would know she's got access to it.","start":1887.545,"end":1889.945,"sentiment":"neutral","sentiment_score":0.09569700186451276},{"text":"Do you reckon it's worth asking her what my base yearly income is, like, with just my standard rate, forty hours, where it will take away my tax?","start":1889.945,"end":1898.36,"sentiment":"neutral","sentiment_score":-0.048182948026806116},{"text":"She would be able to give me a lump sum of you earn x amount of money, that's your minimum.","start":1898.66,"end":1903.7,"sentiment":"neutral","sentiment_score":0.1849510908126831},{"text":"Because it's obviously not on the payslips anymore because of the overtime.","start":1903.7,"end":1906.74,"sentiment":"neutral","sentiment_score":-0.012278124845276276},{"text":"It just sort of calculates everything.","start":1906.74,"end":1908.725,"sentiment":"neutral","sentiment_score":0.0070538340757290525}],"sentiment":"neutral","sentiment_score":0.04350318974600388,"num_words":78,"start":1887.545,"end":1908.725},{"sentences":[{"text":"Do you reckon it's worth doing that so we get a better because at the moment, like, obviously, we're saying it's a 130, but it might even be a 150 or something.","start":1908.9451,"end":1918.0651,"sentiment":"neutral","sentiment_score":-0.021471979620400816},{"text":"Like, I could be totally wrong here.","start":1918.0651,"end":1920.165,"sentiment":"neutral","sentiment_score":-0.21096733212471008},{"text":"100 percent.","start":1926.9701,"end":1927.77,"sentiment":"neutral","sentiment_score":0.01126327458769083},{"text":"Yeah.","start":1927.77,"end":1928.27,"sentiment":"neutral","sentiment_score":0.022609680891036987},{"text":"Yeah.","start":1928.89,"end":1929.39,"sentiment":"neutral","sentiment_score":0.03557661548256874}],"sentiment":"neutral","sentiment_score":-0.04844562388783277,"num_words":43,"start":1908.9451,"end":1929.39},{"sentences":[{"text":"Yeah.","start":1932.25,"end":1932.5701,"sentiment":"neutral","sentiment_score":0.06615260243415833},{"text":"They should be able to see, like, an email payroll.","start":1932.5701,"end":1934.67,"sentiment":"neutral","sentiment_score":0.06838045194745064},{"text":"Yep.","start":1945.355,"end":1945.855,"sentiment":"neutral","sentiment_score":0.03131983429193497},{"text":"Yeah.","start":1946.395,"end":1946.715,"sentiment":"neutral","sentiment_score":0.06821513175964355},{"text":"Yeah.","start":1946.715,"end":1947.215,"sentiment":"neutral","sentiment_score":0.08653603494167328}],"sentiment":"neutral","sentiment_score":0.06685915163585118,"num_words":14,"start":1932.25,"end":1947.215},{"sentences":[{"text":"Yeah.","start":1950.59,"end":1950.83,"sentiment":"neutral","sentiment_score":0.24004262685775757},{"text":"That's cool.","start":1950.83,"end":1951.31,"sentiment":"positive","sentiment_score":0.4521934241056442},{"text":"Me.","start":1951.31,"end":1951.63,"sentiment":"neutral","sentiment_score":0.28089284896850586},{"text":"I'll I can I can see him at work tomorrow and get to the bottom of it and try and fix him in five days?","start":1951.63,"end":1957.65,"sentiment":"neutral","sentiment_score":0.20802988469600678},{"text":"Yep.","start":1963.8551,"end":1964.3551,"sentiment":"neutral","sentiment_score":0.10392757505178452}],"sentiment":"neutral","sentiment_score":0.2243332338829835,"num_words":30,"start":1950.59,"end":1964.3551},{"sentences":[{"text":"Yep.","start":1964.895,"end":1965.135,"sentiment":"neutral","sentiment_score":0.1035868525505066},{"text":"I'll try and get them as soon as I can.","start":1965.135,"end":1966.915,"sentiment":"neutral","sentiment_score":0.20118035823106767},{"text":"Yep.","start":1972.175,"end":1972.675,"sentiment":"neutral","sentiment_score":0.16706043481826782},{"text":"Yep.","start":1974.175,"end":1974.675,"sentiment":"neutral","sentiment_score":0.3013277053833008},{"text":"Yep.","start":1974.895,"end":1975.395,"sentiment":"positive","sentiment_score":0.4591330289840698}],"sentiment":"neutral","sentiment_score":0.21735082886048726,"num_words":14,"start":1964.895,"end":1975.395},{"sentences":[{"text":"Yeah.","start":1977.35,"end":1977.51,"sentiment":"neutral","sentiment_score":0.26035645604133606},{"text":"I reckon it's better if I can do it.","start":1977.51,"end":1979.11,"sentiment":"neutral","sentiment_score":0.3124292724662357},{"text":"Yep.","start":1979.11,"end":1979.61,"sentiment":"neutral","sentiment_score":0.18462321162223816},{"text":"Yeah.","start":1985.27,"end":1985.51,"sentiment":"neutral","sentiment_score":0.07003998756408691},{"text":"Yeah.","start":1985.51,"end":1986.01,"sentiment":"neutral","sentiment_score":0.07728396356105804}],"sentiment":"neutral","sentiment_score":0.26185900546037233,"num_words":13,"start":1977.35,"end":1986.01},{"sentences":[{"text":"Yeah.","start":1989.915,"end":1990.155,"sentiment":"neutral","sentiment_score":0.06483021378517151},{"text":"I'll try my best.","start":1990.155,"end":1991.115,"sentiment":"neutral","sentiment_score":0.08168494142591953},{"text":"Yep.","start":1991.115,"end":1991.615,"sentiment":"neutral","sentiment_score":0.07868319004774094},{"text":"Yep.","start":1996.155,"end":1996.395,"sentiment":"neutral","sentiment_score":0.10027886927127838},{"text":"No dramas.","start":1996.395,"end":1997.115,"sentiment":"neutral","sentiment_score":0.041390061378479004}],"sentiment":"neutral","sentiment_score":0.07259024017386967,"num_words":9,"start":1989.915,"end":1997.115},{"sentences":[{"text":"So do you do you send you don't need me to sign anything until I send you that stuff then?","start":1997.115,"end":2001.295,"sentiment":"neutral","sentiment_score":-0.00787722347304225},{"text":"Or you still need me yep.","start":2002.0751,"end":2003.76,"sentiment":"neutral","sentiment_score":-0.089720177774628},{"text":"All good.","start":2003.84,"end":2007.76,"sentiment":"neutral","sentiment_score":0.09082488901913166},{"text":"Yeah.","start":2007.76,"end":2008.26,"sentiment":"neutral","sentiment_score":0.08266433328390121},{"text":"All good.","start":2009.28,"end":2009.76,"sentiment":"neutral","sentiment_score":0.23314964771270752}],"sentiment":"neutral","sentiment_score":0.0011208990528698882,"num_words":31,"start":1997.115,"end":2009.76},{"sentences":[{"text":"No dramas.","start":2009.76,"end":2010.42,"sentiment":"neutral","sentiment_score":0.13759373873472214},{"text":"Alright.","start":2013.76,"end":2014.08,"sentiment":"positive","sentiment_score":0.4920058846473694},{"text":"Thank you very much, man.","start":2014.08,"end":2014.96,"sentiment":"positive","sentiment_score":0.8093253970146179},{"text":"I appreciate the call.","start":2014.96,"end":2015.84,"sentiment":"positive","sentiment_score":0.8313785940408707},{"text":"And thanks for your advice and the help too.","start":2015.84,"end":2022.455,"sentiment":"positive","sentiment_score":0.7171608242723677}],"sentiment":"positive","sentiment_score":0.6949420067526045,"num_words":21,"start":2009.76,"end":2022.455},{"sentences":[{"text":"Thank you very much, man.","start":2022.455,"end":2023.9149,"sentiment":"positive","sentiment_score":0.7538743734359741},{"text":"Well, have a good day, mate.","start":2025.335,"end":2026.7749,"sentiment":"positive","sentiment_score":0.5371408114830653},{"text":"See you, buddy.","start":2026.7749,"end":2027.335,"sentiment":"positive","sentiment_score":0.4134203791618347},{"text":"Bye.","start":2027.335,"end":2027.835,"sentiment":"neutral","sentiment_score":0.32201284170150757}],"sentiment":"positive","sentiment_score":0.570299381017685,"num_words":15,"start":2022.455,"end":2027.835}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good evening, Jesse. It's Tommy here, senior adviser from. How are you going this lovely night?\n\nChannel 1: Good morning. How you going?\n\nChannel 0: Living the dream. Absolutely living the dream. I'm just giving you a call to go through a couple of quick things regarding your insurances and beneficiaries if you've still got some time for me.\n\nChannel 1: Yeah, buddy. Yeah. All good.\n\nChannel 0: Sensational. Now as you are now a client of OPU Financial, we do a quick security check just to make sure it\n\nChannel 1: Yep.\n\nChannel 0: is you,\n\nChannel 1: Yep.\n\nChannel 0: just to protect your info, mate. Are you okay for the call to be recorded for training and quality purposes?\n\nChannel 1: Yeah. That's cool, man.\n\nChannel 0: Fantastic. And I am registered with ASIC as adviser one two seven three one zero five. Could you please confirm your date of birth and address?\n\nChannel 1: The fifteenth to the twelfth ninety two, and 20 Condor Close, Cameron Park.\n\nChannel 0: Beautiful. Mate, we don't have a security question on file. Are you comfortable just to do these three point ID checks each call? Do you want me to put a security question in\n\nChannel 1: No.\n\nChannel 0: place?\n\nChannel 1: That's cool, man. Yeah. It's all good. What we're doing is fine. Thank you.\n\nChannel 0: Fantastic. Now first thing I wanted to jump into with you is just your beneficiary nominations came through for c bus and hub twenty four, and\n\nChannel 1: Yeah.\n\nChannel 0: it's all looking pretty good. The only thing is we didn't have ticked the nomination type. So I just wanted to quickly run that by you, make sure we are putting the correct tick box on there, and then we're\n\nChannel 1: Right.\n\nChannel 0: good to submit that.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Cool. So we had in the SOA that you were nominating your partner\n\nChannel 1: Yeah.\n\nChannel 0: to\n\nChannel 1: My\n\nChannel 0: receive.\n\nChannel 1: wife, Emma. Yep.\n\nChannel 0: Yep. So spouse, a 100%. Now\n\nChannel 1: Yep.\n\nChannel 0: we did recommend, like, a non lapsing binding nomination. Do you remember the different types and what that means?\n\nChannel 1: No, man. I was a bit sort of a bit unsure about it. Yeah. I probably I've obviously might have put the wrong one, I think.\n\nChannel 0: No. That's okay. So to make it super easy for you, you've got two main choices.\n\nChannel 1: Yep.\n\nChannel 0: The first one is do you want it to be a lapsing or non lapsing, which means it expires every three years or it's continuous until you change it?\n\nChannel 1: Continuous until I change it, please.\n\nChannel 0: Sensational. And\n\nChannel 1: So\n\nChannel 0: this\n\nChannel 1: is that\n\nChannel 0: is\n\nChannel 1: lapsing or that's non lapsing then?\n\nChannel 0: a non lapsing. Correct.\n\nChannel 1: Yep. You don't\n\nChannel 0: The\n\nChannel 1: pick\n\nChannel 0: other\n\nChannel 1: lapsing,\n\nChannel 0: thing?\n\nChannel 1: did I?\n\nChannel 0: It was just blank on the form.\n\nChannel 1: Oh, sorry. I didn't get it. Alright.\n\nChannel 0: That's alright. The other option is whether you want it to be legally binding or nonbinding. It's a bit of a strange question,\n\nChannel 1: Yeah.\n\nChannel 0: but\n\nChannel 1: Yeah.\n\nChannel 0: there is actually a choice that you can have it nonbinding, so it's up to the superfund's discretion, or legally binding means they have to do it in a court of law.\n\nChannel 1: Oh, it sounds like a bit of a question, but what do what do most people do in that situation?\n\nChannel 0: That's okay. Most people do, like, a legally binding one because it's the most direct, and the super fund pretty much just has to do what you've put down on that form.\n\nChannel 1: Yeah.\n\nChannel 0: They\n\nChannel 1: That'd\n\nChannel 0: don't have\n\nChannel 1: be\n\nChannel 0: any\n\nChannel 1: the one\n\nChannel 0: wiggle.\n\nChannel 1: then. Okay. That's cool.\n\nChannel 0: Yep. Fantastic. So I'll put down a non lapsing binding. We can\n\nChannel 1: Yep.\n\nChannel 0: get that uploaded to hub twenty four tomorrow. Usually takes a couple days, and then that's all sorted.\n\nChannel 1: Yeah. Sorry about that, man.\n\nChannel 0: No. Don't apologize at all. Mate, we're here just to check and make sure it's all good. Just save you as filling out the form again.\n\nChannel 1: Yep.\n\nChannel 0: Cool. Mate, your super all came in on the March 27. We've got it all invested. It's already jumped back up $7, so all the fees that you paid for us are already pretty much made up, and\n\nChannel 1: Yep. Oh,\n\nChannel 0: it's\n\nChannel 1: well.\n\nChannel 0: on the way up. You've\n\nChannel 1: Yep.\n\nChannel 0: kind of gone in at a perfect time because the stock market was at a real low in March, and it's just jumped back up since.\n\nChannel 1: Yeah. Righto.\n\nChannel 0: So three or 4% return straight away in a month is pretty good. Again,\n\nChannel 1: That's\n\nChannel 0: we're aiming for, like, 10% plus over a year, like, long\n\nChannel 1: yep.\n\nChannel 0: term.\n\nChannel 1: Yeah. That's correct.\n\nChannel 0: Cool. The only other thing I wanted to go through with you was it's a bit of sensitive information, but it's just regarding your insurance application.\n\nChannel 1: Yeah.\n\nChannel 0: You do you remember that you've got the c bus cover, which we're keeping in place?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep. And then we\n\nChannel 1: Yeah.\n\nChannel 0: were applying\n\nChannel 1: Got it.\n\nChannel 0: for\n\nChannel 1: Yep.\n\nChannel 0: a bit of a top up of life and TPD with a a separate insurer. Does that ring\n\nChannel 1: Yeah.\n\nChannel 0: a\n\nChannel 1: That\n\nChannel 0: bell?\n\nChannel 1: was, like I think that's the one Carlos spent, like, $22 a month or something out of pocket. Is that the one you're talking about?\n\nChannel 0: No. That's the trauma. So what I'll\n\nChannel 1: Okay.\n\nChannel 0: do,\n\nChannel 1: Yep.\n\nChannel 0: I've\n\nChannel 1: Sorry.\n\nChannel 0: got your SOA in front of you, in front of me. Sorry.\n\nChannel 1: Yep.\n\nChannel 0: So CBAS has a couple of $100 worth of life and disability insurance. So if you\n\nChannel 1: Yep.\n\nChannel 0: pass away or you can never work again, there's your lump sum.\n\nChannel 1: Yep.\n\nChannel 0: We were doing the out of pocket one, that's trauma. So that's heart\n\nChannel 1: Yep.\n\nChannel 0: attack, stroke, and cancer.\n\nChannel 1: Yep.\n\nChannel 0: And on top of that, with the same insurer with MetLife, we were going to add on about a million dollars worth of life and TPD just to make sure all the debts are paid, incomes\n\nChannel 1: Yeah.\n\nChannel 0: replaced, a big top up. Does that ring a\n\nChannel 1: Yep.\n\nChannel 0: bell? Yep. Now we've actually had a bit of a decline come back from the insurer after the medical check you had. I think you saw\n\nChannel 1: Yes.\n\nChannel 0: a doctor, and they\n\nChannel 1: Yeah.\n\nChannel 0: may have\n\nChannel 1: Yeah.\n\nChannel 0: done some checks and things like that.\n\nChannel 1: Yeah.\n\nChannel 0: So we actually had you listed down BMI wise at a weight of one eighteen kilos, and the doctor put down one eighty.\n\nChannel 1: Yeah. Righto. Okay. Yeah.\n\nChannel 0: Yep. So what's happened is the one eighty, if that's correct, that pushes your BMI into the high\n\nChannel 1: Yes.\n\nChannel 0: category\n\nChannel 1: 50\n\nChannel 0: where\n\nChannel 1: three\n\nChannel 0: they actually\n\nChannel 1: percent or something. Yeah.\n\nChannel 0: yeah. 53 BMI. Now\n\nChannel 1: Yep.\n\nChannel 0: they cut it off after 45. That's\n\nChannel 1: Okay.\n\nChannel 0: kind of the best you\n\nChannel 1: Yep.\n\nChannel 0: can do. So when it's above that, they can't give you any\n\nChannel 1: Yep.\n\nChannel 0: insurances with any insurer on top of what you've already got.\n\nChannel 1: Okay.\n\nChannel 0: K?\n\nChannel 1: Yep.\n\nChannel 0: So wanted to, first of all, just double check with you whether that was correct or\n\nChannel 1: Yeah.\n\nChannel 0: whether\n\nChannel 1: That\n\nChannel 0: there\n\nChannel 1: was\n\nChannel 0: was a\n\nChannel 1: correct.\n\nChannel 0: bit of\n\nChannel 1: I\n\nChannel 0: a typo.\n\nChannel 1: I don't know where they got the only thing I think of is I sometimes speak a little bit fast. Maybe they've misinterpreted when I said it, but yeah. No. One eighty was yeah. That's what I weighed the other day, one eighty point six or something, I think, total.\n\nBut,\n\nChannel 0: Yeah.\n\nChannel 1: yeah,\n\nChannel 0: And I\n\nChannel 1: I\n\nChannel 0: did\n\nChannel 1: I\n\nChannel 0: double\n\nChannel 1: I\n\nChannel 0: check\n\nChannel 1: think\n\nChannel 0: it\n\nChannel 1: it\n\nChannel 0: a couple\n\nChannel 1: could have\n\nChannel 0: of times.\n\nChannel 1: been me just been talking a bit faster or maybe just coming through a bit shit. But yeah. No. Definitely yeah.\n\nChannel 0: No.\n\nChannel 1: The\n\nChannel 0: That's\n\nChannel 1: the\n\nChannel 0: my\n\nChannel 1: the 100 percent of medical is correct because I did it the other day.\n\nChannel 0: yeah.\n\nChannel 1: As yeah. I don't know if I fucked that up or what's happened there, but, yeah, it's probably just yeah. But that's anyway, moving forward, a 100% that is made a 180. But\n\nChannel 0: Yeah.\n\nChannel 1: so does that mean MetLife won't cover me at all now\n\nChannel 0: No.\n\nChannel 1: with\n\nChannel 0: No\n\nChannel 1: the\n\nChannel 0: one\n\nChannel 1: top up one?\n\nChannel 0: yeah. The top up cover, no retail insurer offers it above 45.\n\nChannel 1: Yeah. Righto.\n\nChannel 0: But the C bus one's still in force, and that one's\n\nChannel 1: Yeah.\n\nChannel 0: still\n\nChannel 1: Because\n\nChannel 0: fine.\n\nChannel 1: they don't send you for medicals because they don't really give a shit. But that's also why they give you such a less cover because,\n\nChannel 0: Correct.\n\nChannel 1: like, their their their permanent disability is, like, $45, and I think their death is, like, 205 or something.\n\nChannel 0: Yeah. It was like hang\n\nChannel 1: It's\n\nChannel 0: on. I've got\n\nChannel 1: it's\n\nChannel 0: it\n\nChannel 1: it's\n\nChannel 0: here\n\nChannel 1: very\n\nChannel 0: in front\n\nChannel 1: it's\n\nChannel 0: of\n\nChannel 1: very\n\nChannel 0: me.\n\nChannel 1: minimal compared to what are the\n\nChannel 0: Yeah. It's just a basic, like, unitized stuff. So based on your age,\n\nChannel 1: yep.\n\nChannel 0: they basically give you two hundred and eight of life and one forty five of TPD,\n\nChannel 1: Yeah.\n\nChannel 0: which is\n\nChannel 1: One.\n\nChannel 0: total disability.\n\nChannel 1: For the yep. Yeah. It's\n\nChannel 0: Yep.\n\nChannel 1: absolutely shittel, really, in the scheme of things.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: So\n\nChannel 1: So that\n\nChannel 0: I did\n\nChannel 1: means\n\nChannel 0: have a\n\nChannel 1: okay.\n\nChannel 0: bit of a go ahead.\n\nChannel 1: Yeah. Yeah. Sorry. No. You're alright.\n\nContinue.\n\nChannel 0: I was just gonna say I did a bit of a double check on it because 118 and one 80 sound pretty similar when you speak it.\n\nChannel 1: That's\n\nChannel 0: And\n\nChannel 1: what I think I've done, and I probably don't speak very proper. You know? Like, I just sort of yeah. I speak with fast, and I reckon maybe they misinterpret, which is understandable, man.\n\nChannel 0: Yeah. And, look, I do apologize, like, if we've put down the wrong figure there and and given you\n\nChannel 1: That's\n\nChannel 0: a\n\nChannel 1: cool,\n\nChannel 0: bum\n\nChannel 1: man.\n\nChannel 0: steer.\n\nChannel 1: It is what\n\nChannel 0: Sorry\n\nChannel 1: it is.\n\nChannel 0: about\n\nChannel 1: Yeah.\n\nChannel 0: that.\n\nChannel 1: That's cool.\n\nChannel 0: Yep. So one of the things that, obviously, from here, like, everything is looking pretty good. The sea bus is there. You've got the cover in place. The soup is growing.\n\nEverything is looking pretty sweet there. It's just probably something where we've got to come back\n\nChannel 1: Yep.\n\nChannel 0: to the top up insurance in a year or two's time.\n\nChannel 1: Yeah. Right. That's obviously just a few lifestyle changes and bring it back down.\n\nChannel 0: Yeah. Pretty much. Because once you hit forty five BMI, they'll give you the cover with a bit of a loading, like the\n\nChannel 1: Yep.\n\nChannel 0: price will be a bit more.\n\nChannel 1: Yep.\n\nChannel 0: Outside of that, every five BMI points, they chop it down further and further and further up until $30.35 is, like, the cleanest and the lowest price.\n\nChannel 1: Yeah. Righto. Yep.\n\nChannel 0: Yep. So if\n\nChannel 1: Okay.\n\nChannel 0: you're comfortable with that,\n\nChannel 1: Yeah.\n\nChannel 0: we'll\n\nChannel 1: It all\n\nChannel 0: basically\n\nChannel 1: get it. It's what it is. I can't really change that overnight. That's my that's that's me being me. But, yeah, that's cool, man.\n\nI appreciate you looking into it,\n\nChannel 0: that's okay. What we'll do is we always put a flag on the file. So when we do the annual reviews\n\nChannel 1: Yep.\n\nChannel 0: with you, we'll talk through how everything's going. Do\n\nChannel 1: Yep.\n\nChannel 0: we need to change anything with the super? Is there anything else that you're doing in your life or advice that you need?\n\nChannel 1: Yep.\n\nChannel 0: And then when we come back around to insurances, we'll talk about the c bus. We'll check if there's been any health changes. If there has\n\nChannel 1: Yep.\n\nChannel 0: been, we can just revisit it once it hits the threshold, and\n\nChannel 1: Yep.\n\nChannel 0: then we're pretty\n\nChannel 1: Yep.\n\nChannel 0: sweet. K. Is that okay for\n\nChannel 1: Yeah.\n\nChannel 0: you?\n\nChannel 1: That's fine, man. It is what it is. Yeah.\n\nChannel 0: Cool. Now I've like, as a senior adviser, I've obviously checked through the advice to see if there's anything that we need to change from that,\n\nChannel 1: Yep.\n\nChannel 0: but we were keeping the C bus in place already anyway.\n\nChannel 1: Yeah.\n\nChannel 0: And there was a bit of a mention of let me just pull it up for a quick sec. Through the union that you may have had some cover and protection with them\n\nChannel 1: Yep.\n\nChannel 0: through the employment and the union. Does that ring a bell as well?\n\nChannel 1: Yeah. Are you talking about U plus? Is there anything about U plus?\n\nChannel 0: Yeah.\n\nChannel 1: Is that\n\nChannel 0: It\n\nChannel 1: what\n\nChannel 0: mentions here that you had an EBA and\n\nChannel 1: yeah. It's a bit of a it's it's a bit\n\nChannel 0: IncoLink.\n\nChannel 1: maybe I'm the dumbest person to explain it, but it's a bit weird to explain. We have a redundancy fund, like, through ACHERNA, and they which is through the EBA and through the union, the\n\nChannel 0: Yep.\n\nChannel 1: CFMU is the union. And then through that, if you hurt yourself outside of work and that, it's to get cover. And there's a thing called u plus, and it's like, well, the best way to explain it, I fell fell off a ladder at home, snapped his femur. He was off for two years. He got u plus up to 85% of his total wage until he came back to work up to two years or whatever it was, and that's what it is.\n\nIt's like a I suppose it's like a way of saying income protection, but I don't know if it's classed as that,\n\nChannel 0: Yeah. I\n\nChannel 1: if\n\nChannel 0: mean,\n\nChannel 1: that makes\n\nChannel 0: depending\n\nChannel 1: sense\n\nChannel 0: on\n\nChannel 1: at all.\n\nChannel 0: it makes perfect sense. It reminds\n\nChannel 1: Yeah.\n\nChannel 0: me of the old friendly societies. I don't know if you ever remember the old charity friendly societies from fifty years ago.\n\nChannel 1: Nah. Nah. Was that something\n\nChannel 0: So\n\nChannel 1: similar? Was it?\n\nChannel 0: yeah. So back in the day in Australia, back before everyone had, like, know, big insurance companies and super funds and everything, people used to be part of not only unions but friendly societies. And,\n\nChannel 1: Yep.\n\nChannel 0: you know,\n\nChannel 1: Yep.\n\nChannel 0: you'd have a small town somewhere, a farming community, and they'd all pull this money together. So if someone was off work, redundant,\n\nChannel 1: Yep. Yep.\n\nChannel 0: or injured, it would help protect them and their family in the events\n\nChannel 1: Yeah.\n\nChannel 0: of death and disability. So, look, I would love to get some info on that if they do have\n\nChannel 1: Yes.\n\nChannel 0: any documents that they've given you, any\n\nChannel 1: I\n\nChannel 0: policies\n\nChannel 1: don't\n\nChannel 0: or EBAs.\n\nChannel 1: have anything on me. Like, as in I'll just, I don't know. Like, I can I can find some information if you'd like to? 100%. I could try and find some.\n\nI can just ask the boys at work that have been up because I don't know if four people have been on it that I know of in the last couple of years to certain themselves. And the best thing is to it's covered outside of work. So the fellow that fell off the ladder, it was like a Sunday midday. He fell off flat, snapped his leg, and he got it. It takes three thirty days to get it.\n\nYou've got to actually, like, claim it, and then they\n\nChannel 0: Yeah.\n\nChannel 1: gotta\n\nChannel 0: It\n\nChannel 1: do,\n\nChannel 0: goes\n\nChannel 1: like,\n\nChannel 0: through\n\nChannel 1: a\n\nChannel 0: the\n\nChannel 1: check\n\nChannel 0: process\n\nChannel 1: and stuff.\n\nChannel 0: document\n\nChannel 1: But\n\nChannel 0: and doctor\n\nChannel 1: he's\n\nChannel 0: stuff.\n\nChannel 1: just pretty much cut and dry, sort of a ladder, and they pay. And the other thing too we get for the the union is actually, like, ambulance cover and all that sort of stuff plus free travel insurance. So\n\nChannel 0: Yeah.\n\nChannel 1: that's\n\nChannel 0: Run.\n\nChannel 1: another that's another thing they do for us. Just oh, you still gotta pay if it is, like, freaking for my kids went to hospital right now. I just gotta pay the ambulance cover or the ambulance, and then I just literally send them a receipt, and they reimburse me the money for the ambulance. Because as an ambulance, it's like $6,700 sometimes. You know?\n\nChannel 0: Yeah. And\n\nChannel 1: So\n\nChannel 0: that's\n\nChannel 1: they\n\nChannel 0: gonna be one of the biggest things for you is if you're out of work for a small period of time, like six months, nine months,\n\nChannel 1: they yeah.\n\nChannel 0: having, like, mortgage payments covered and things\n\nChannel 1: Exactly.\n\nChannel 0: like that for something out of work, that's perfect.\n\nChannel 1: The sneaky part is, though, as like all things, it's got policies behind it. If you\n\nChannel 0: Yes.\n\nChannel 1: go off work with a certain type of injury or something along those lines, you can't then claim that against that fella that broke his leg. They actually suggested to him, you stay on this as long as you possibly need to, and they don't try and push off it. They you stay on there as long as you possibly need to because after that two years, even though he was good after eighteen months, he pushed it through the two years, got all his money, made sure he's a thousand percent right. The day\n\nChannel 0: Yep.\n\nChannel 1: he come back to work, that means he cannot get it for that injury ever again. So if he was\n\nChannel 0: Yeah.\n\nChannel 1: to fall\n\nChannel 0: It's\n\nChannel 1: off\n\nChannel 0: a\n\nChannel 1: another\n\nChannel 0: one off.\n\nChannel 1: lateral step wrong and he did it again, they can't cover you. You know? So you gotta\n\nChannel 0: Yeah.\n\nChannel 1: be a little bit careful. But, yeah, it's pretty I mean, everybody rags on unions and that, but, I mean, there's good and bad in everything we do, as you would know. But I I think they're pretty good. They've helped us in this in that situation. So\n\nChannel 0: Mate, what I always say is the truth's always somewhere in the middle. You\n\nChannel 1: Yeah.\n\nChannel 0: get two\n\nChannel 1: Hundred\n\nChannel 0: sides\n\nChannel 1: percent.\n\nChannel 0: of the coin,\n\nChannel 1: Exactly.\n\nChannel 0: and it's somewhere in the middle.\n\nChannel 1: Yeah. I mean, it's bad stuff that what's going on with them and, you know, all that carry on this FMU and that, but they do do good stuff for people and us. You know? So\n\nChannel 0: Yeah. So at least\n\nChannel 1: but\n\nChannel 0: the income protection is the important bit because even in the the trauma side, like, there's still the public health system. If you have a heart\n\nChannel 1: Yeah.\n\nChannel 0: attack\n\nChannel 1: Yeah.\n\nChannel 0: or something, you go into an emergency room. Someone's gonna look after\n\nChannel 1: Exactly.\n\nChannel 0: you. It's more of the things like, does your partner need to take some time off work to look after you at home? Gives a bit\n\nChannel 1: Yeah.\n\nChannel 0: of\n\nChannel 1: Yeah.\n\nChannel 0: financial space, which that may even cover a little bit.\n\nChannel 1: Yep.\n\nChannel 0: So if if I can't like, if it's not too trouble and you can get some information through to us, I would love to have it on file so that when we come back to it in a year or two,\n\nChannel 1: Yeah.\n\nChannel 0: I can look\n\nChannel 1: I can\n\nChannel 0: at\n\nChannel 1: try\n\nChannel 0: covering\n\nChannel 1: my\n\nChannel 0: any\n\nChannel 1: best\n\nChannel 0: gaps.\n\nChannel 1: then. I'll ask a few bucks about it, mate.\n\nChannel 0: Yeah. That'd be fantastic. Because,\n\nChannel 1: Yeah.\n\nChannel 0: again, I'm assuming do you pay anything through your your payslip for it? Or\n\nChannel 1: Nah. So we pay our union fees, which obviously go up and increase, like, tolls and all sorts of stuff due every\n\nChannel 0: yep.\n\nChannel 1: couple of\n\nChannel 0: But\n\nChannel 1: months.\n\nChannel 0: that goes\n\nChannel 1: But\n\nChannel 0: towards that.\n\nChannel 1: I think it's, like, $35 a fortnight or something. But they get us all their benefits, and then the company's gotta pay into it. So it's part of their same with our long service and our redundancy. They pay\n\nChannel 0: Yeah.\n\nChannel 1: into a little amount, so we get a redundancy pack so that if we ever lost our job or got sacked or whatever, we can claim that. That that the company's got to put in for that sort of stuff, same as what they got to put in for your super. So it's a good little we're at it. We're we're not the only thing we pay is our membership to the union every every fortnight or every six months, whatever you choose to do. So that's pretty good.\n\nIt cost us not, really, in\n\nChannel 0: I\n\nChannel 1: the scheme\n\nChannel 0: kinda\n\nChannel 1: of\n\nChannel 0: love\n\nChannel 1: things.\n\nChannel 0: that because there's no no one's allowed to do redundancy insurance in Australia except for the the Union and Centrelink. And the fact that you've got it, that's fantastic.\n\nChannel 1: I mean, it's yeah. Like I said, it's good. There's pros and cons with everything, but and, like I said, people blow up about it, but they're pretty good if you're part of it and you know?\n\nChannel 0: Yeah.\n\nChannel 1: But, yeah,\n\nChannel 0: You're not\n\nChannel 1: definitely,\n\nChannel 0: looking to\n\nChannel 1: I\n\nChannel 0: change\n\nChannel 1: can.\n\nChannel 0: work soon, are you?\n\nChannel 1: No. Not really, man. I'm pretty pretty comfortable. I'm at a pretty good job. Earned some good money.\n\nI get some good variety. It's it's pretty it's a sort of a job for a lifetime, I suppose, probably till I'm a bit older.\n\nChannel 0: Yeah. And, like, even looking at the way you you're super going up and you're on that 6 figure salary, mate, you're\n\nChannel 1: Yeah.\n\nChannel 0: already well ahead of everyone for your age. So, like, if if you can maintain that\n\nChannel 1: That's\n\nChannel 0: and use\n\nChannel 1: what the\n\nChannel 0: that\n\nChannel 1: whole\n\nChannel 0: cash\n\nChannel 1: point was.\n\nChannel 0: flow\n\nChannel 1: That end goal was\n\nChannel 0: Cool.\n\nChannel 1: the big thing. That fellow workers with you guys, and that's what he said. The end goal is the big picture.\n\nChannel 0: Yep. Yeah.\n\nChannel 1: The only thing I gotta ask is it Carl has explained it to me many times. I'm a bit of an idiot. I understand you're just trying to keep the and it's good thing that he's kept the insurance now to save us because, obviously, the MetLife doesn't wanna insure me, which is fine.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: How does it work with so all my my company still pays super into C Bus. Right?\n\nChannel 0: Correct.\n\nChannel 1: So and then every, what, six to twelve months, we'll revisit and then you'll bring that money back over? Or do you just plan on keeping, like, a $30 in there just to dwindle away? Or how does it sort\n\nChannel 0: It's\n\nChannel 1: of\n\nChannel 0: the\n\nChannel 1: looking?\n\nChannel 0: first one. So what we do is the contributions going in there make sure that there's a tag on your account\n\nChannel 1: Yes.\n\nChannel 0: so it stays active because if that goes inactive,\n\nChannel 1: Yes.\n\nChannel 0: they'll close it.\n\nChannel 1: Yep.\n\nChannel 0: And then when we do the annual reviews, we'll\n\nChannel 1: Yep.\n\nChannel 0: revisit how much it's going up to, and then\n\nChannel 1: Yep.\n\nChannel 0: everything above what we need to keep, we'll\n\nChannel 1: Excellent.\n\nChannel 0: just move it\n\nChannel 1: Yep.\n\nChannel 0: across.\n\nChannel 1: Okay. No dramas here. That's I thought that was the case, but I thought maybe I'm just reading it a bit wrong.\n\nChannel 0: Yeah. And, look, I think we kept in there was it $10\n\nChannel 1: Yeah.\n\nChannel 0: to\n\nChannel 1: Just\n\nChannel 0: start\n\nChannel 1: just\n\nChannel 0: with? I'm\n\nChannel 1: $10\n\nChannel 0: just gonna look.\n\nChannel 1: or something. Yeah. But the thing is I'm getting paid every week into a settle go up, obviously, and our salary\n\nChannel 0: Yeah.\n\nChannel 1: sacrifice into the two. That was the biggest thing I was thinking. Do I stop the salary sacrifice and salary sacrifice into hub 24, or do I just leave it in the sea bus? You know? Because I thought I didn't know what really to do there either because I feel like the whole point of jumping over with you guys was to increase, like, obviously, the super.\n\nSo should I just salary sacrifice into the c bus just to keep it moving, or should I salary of us in the hub 24 to get it, like, obviously, picking up? You know?\n\nChannel 0: Oh, that is a great question because if you're comfortable to actually split your contributions, do you think work would do it for you and pay up?\n\nChannel 1: I can ask them. It's no drama. I I don't say it's a drama because they just I can ask them, but I don't think it would be a drama because it's all automated anyway. So all they do is I just salary sacrifice 5%, and they would just nominate it into said account. So they pay\n\nChannel 0: Yeah.\n\nChannel 1: my super into c bus, and then they have to pay the salary sacrifice part into it as well. So that I'm assuming they would have to click more buttons. But if they had to swap and go from c bus to Hub 24, I can't see it being a drama.\n\nChannel 0: Yeah.\n\nChannel 1: But I\n\nChannel 0: It'll\n\nChannel 1: wasn't\n\nChannel 0: be worth\n\nChannel 1: sure\n\nChannel 0: checking.\n\nChannel 1: if I'd like because, obviously, they're automatically paying into it, and I just figured, like, it would move my hub 24 up a lot more if I was putting that extra 5%. Because some weeks, I can put a $160. Another week, so I can put up with the $400 depending on how many hours I do for the week. You know?\n\nChannel 0: Yep. So\n\nChannel 1: That's\n\nChannel 0: let me\n\nChannel 1: yeah.\n\nChannel 0: just go are you paid monthly, fortnightly?\n\nChannel 1: Weekly.\n\nChannel 0: Weekly. That's\n\nChannel 1: Yeah.\n\nChannel 0: sensational. Okay. So\n\nChannel 1: And I think the other thing too, they said on the system that I own a $130. I mean, that's very like, my job is very dependent on overtime. So, like, some years I can pull up with the 2 and $30 in a year, but then, obviously, other times when there's no overtime, you're not really earning that much either.\n\nChannel 0: Yes.\n\nChannel 1: So it's\n\nChannel 0: Yeah.\n\nChannel 1: a bit\n\nChannel 0: Yeah.\n\nChannel 1: that's why I tried to explain to Colin, I think her name was Jordan. It's very up and down. It's like a rollercoaster job. Say one week, you'll do forty hours. The next week, you'll do ninety.\n\nIt just depends.\n\nChannel 0: Yeah. So we've just got to be careful obviously on on caps to make sure we don't go over.\n\nChannel 1: Yeah.\n\nChannel 0: They're increasing it next financial year to thirty two and a half.\n\nChannel 1: Yep.\n\nChannel 0: So, like, ideally, your premiums with C plus are pretty low. So it doesn't need that much to be\n\nChannel 1: Yeah.\n\nChannel 0: in there to keep\n\nChannel 1: Yep.\n\nChannel 0: it going.\n\nChannel 1: Yep.\n\nChannel 0: I'm just having a quick look. $681.60 a year. So, realistically, if you're averaging a 125 a week salary sacrifice going in, like the 5% that you're talking about,\n\nChannel 1: Yep.\n\nChannel 0: that would keep it going. No problems at all. And your main contributions can go over the hub, and then you get it invested gradually through the year, which is much better.\n\nChannel 1: Yep.\n\nChannel 0: So if they can split it, that'd be good.\n\nChannel 1: Yep.\n\nChannel 0: The only thing I wanna double check quickly is when it comes to your income,\n\nChannel 1: Yep.\n\nChannel 0: do you know what your year to date is for this financial year?\n\nChannel 1: I'll have a quick look I got paid before.\n\nChannel 0: Thank\n\nChannel 1: But\n\nChannel 0: you.\n\nChannel 1: this is another thing too. They changed the pay slip around. But last year, we had absolutely heaps of info, and they changed the system in a few dates because we merged a few companies.\n\nChannel 0: Yes. Yes.\n\nChannel 1: So here, my year to date year to date gross payments,\n\nChannel 0: Yeah.\n\nChannel 1: 193,000 and and $26.\n\nChannel 0: Yeah. Right. So that does sound\n\nChannel 1: That's\n\nChannel 0: like it's incorporating the whole year.\n\nChannel 1: that's right.\n\nChannel 0: K.\n\nChannel 1: It's got my it's got my taxable income as well with the but, yeah, my year to date. Yeah. So it's 193,000 this\n\nChannel 0: So I'll give you an example. Let's say you end up with $2.30, just\n\nChannel 1: year.\n\nChannel 0: for argument's sake.\n\nChannel 1: Yep. Yep.\n\nChannel 0: If you get your 12% contributions, that's 27,600\n\nChannel 1: Yes.\n\nChannel 0: out of the 30.\n\nChannel 1: Yep.\n\nChannel 0: And then oh, hang on. Let me just do the old work back just to make sure I haven't point 02/2017. Yeah. So one of the things that'll happen is if your salary is sacrificing 5% and you end up with $230, you could have 39 go in there for the year, and you go a little\n\nChannel 1: Yep.\n\nChannel 0: bit above the cap.\n\nChannel 1: Yeah. And then you gotta\n\nChannel 0: Now\n\nChannel 1: pay pay the tax on it.\n\nChannel 0: Yeah. And then what ends up happening? So two things. First, they use up any unused cap for the last five financial years going backwards.\n\nChannel 1: Yeah. Which won't have any.\n\nChannel 0: Yep. You reckon you've kind of hit that 200 mark five\n\nChannel 1: So\n\nChannel 0: years\n\nChannel 1: I've\n\nChannel 0: in\n\nChannel 1: tried\n\nChannel 0: Iraq?\n\nChannel 1: I've tried to hit so this is just me being me. I've tried to hit $30, sale super every year. I've I've a few years, I've been a bit short, but every year since I've been selling sacrifice, I've been trying to hit that 30,000 mark to make it work me well. And the way I used to look at it was my company used to put in about 14 or 15,000, so I would have to put in the same. And that's why, as I said, some weeks, it's really good.\n\nAnd, like, a couple of years ago, I was doing, like, a lot of less weeks, like, just forty hours. So I was just dwindling away. I was only putting in, like, a $150 a week or something extra, and it worked\n\nChannel 0: Uh-huh.\n\nChannel 1: out choice. It worked out awesome because, you know, I was only I only put in, like, maximum of, like, $24 total. But then, like, two years ago, then I've done a massive year, a month to year, and I was right on the I was, like, a couple $100 shy, and I was very lucky.\n\nChannel 0: Right. Okay. Perfect. So there's a couple of things that we can do. There's two things.\n\nEither\n\nChannel 1: Yep.\n\nChannel 0: we do, like, usual quarterly catch ups just to see how you're going if you're comfortable with that frequency\n\nChannel 1: Yeah.\n\nChannel 0: of contact.\n\nChannel 1: Yeah.\n\nChannel 0: And\n\nChannel 1: I'm I'm cool, though.\n\nChannel 0: k. And then if the contributions start, like, hitting cap territory next year, we can obviously\n\nChannel 1: Yep.\n\nChannel 0: be like, hey. Pause your salary sacrifice, that\n\nChannel 1: Yeah.\n\nChannel 0: kind of thing.\n\nChannel 1: And that's another thing too because I I was never on I was never sure the reason I did 5% is to do the work to follow that switch is actually his name's Dustin. He told me to do 5% because it worked out well because on a low week, you're obviously only putting in an extra $100, but you still have sat for us. On a high week, you can put it up to $3,400, and it brings it obviously off to your yearly income and all that sort of. You get your little tax benefits from it too. That's why the 5% was\n\nChannel 0: Yes.\n\nChannel 1: working. But, obviously, throughout the last two years, I've increased in my pay by pulling up a couple of categories, doing a bit of different stuff inside the job. So I'm actually earning a little bit more. So my 5% would be, like you're saying, would be encroaching pretty high, actually.\n\nChannel 0: Yeah. Okay. And do you have I mean, you're still working on finishing off that mortgage. Right?\n\nChannel 1: 100 percent. Yeah.\n\nChannel 0: Okay. I don't want to overcomplicate things, but there is another option that you\n\nChannel 1: Yeah.\n\nChannel 0: don't do any salary sacrifice and you pull it all up in your offset account the whole year, and it's\n\nChannel 1: Yep.\n\nChannel 0: offsetting your mortgage. And then June comes, you flick in the rest to top you up to $30 and get the tax deduction.\n\nChannel 1: There's a father at work that told me see, my driver at work told me exactly to do that. He said, you're only 30 years old now. I'm 33. But because you're 30 years old, you shouldn't be worrying about super you should be worrying about dropping the hell out of your mortgage before you hit 50. You know?\n\nThat was his attitude. And it and I\n\nChannel 0: Yes.\n\nChannel 1: just sort of left the salary like set to forget. You know? It was just easy money just to just do it like that. But you're not wrong, especially an extra $200 every week. And then there's fifty two weeks in a year that's, you know, a couple of thousand dollars extra bringing down the offset.\n\nIt's probably not a dumb idea, actually.\n\nChannel 0: I I would a 100% do that. Like, I'm I'm not trying to, like, overstep the bounds here, but the way I'm thinking of it is you're already at a huge amount of super few rage. You're on\n\nChannel 1: Yep.\n\nChannel 0: 6 figures. You're in a pretty good growth fund. That's\n\nChannel 1: Yep.\n\nChannel 0: gonna get to a pretty massive amount by 60 anyway.\n\nChannel 1: Yep.\n\nChannel 0: And even if you end up like, let's say you keep earning 200 plus,\n\nChannel 1: Yep.\n\nChannel 0: and even if the top up at the end of the year is only 4 or $5 or something,\n\nChannel 1: Yep.\n\nChannel 0: it's so much better to have that mortgage down. If you've got the discipline to make sure it keeps pulling in there and you're not spending\n\nChannel 1: Yeah.\n\nChannel 0: it, that's gonna get you ahead personally\n\nChannel 1: Yeah.\n\nChannel 0: a lot more, and the super is gonna take care of itself.\n\nChannel 1: Yeah. Right. So in a sense, pull the salary sacrifice back, start putting that extra into the mortgage on the weekly basis, put it into the offset, bring all my tax down. And then, like you said, at the end of the year, whatever's, like, owing towards that $30, just pull it out and get the maximum amount out of your super contributions.\n\nChannel 0: Yeah.\n\nChannel 1: That's what\n\nChannel 0: All\n\nChannel 1: you're saying,\n\nChannel 0: that means\n\nChannel 1: isn't\n\nChannel 0: is\n\nChannel 1: it?\n\nChannel 0: that\n\nChannel 1: Yep.\n\nChannel 0: we cannot do this whole two contributions to two super funds thing, but it's gonna\n\nChannel 1: Yep.\n\nChannel 0: be so much better for you in the personal run and your\n\nChannel 1: Yep.\n\nChannel 0: own assets and your personal name.\n\nChannel 1: Yep. Because\n\nChannel 0: I\n\nChannel 1: it\n\nChannel 0: would\n\nChannel 1: doesn't\n\nChannel 0: much\n\nChannel 1: I suppose\n\nChannel 0: rather\n\nChannel 1: it\n\nChannel 0: you\n\nChannel 1: doesn't\n\nChannel 0: do\n\nChannel 1: matter\n\nChannel 0: that.\n\nChannel 1: about the sales tax cost because they're all my company board is automatically putting in the seat bus. So surely, the money that they're putting in every year, if they're putting in $15, would he keep me, like, skating above the the bottom of the barrel with the insurances? I would like to think. I would I don't think they'd take $15 a year, but you never know.\n\nChannel 0: Oh, yeah. No. Absolutely. Like, honestly, even if you put in $500 a year, that'll last you five, ten years pretty easily.\n\nChannel 1: Yeah. Yeah. So I'm I'm sorta yeah. Like you said, well ahead, and I should probably be looking at the bigger picture with the house, actually. It's not a dumb idea.\n\nChannel 0: I think\n\nChannel 1: Come on.\n\nChannel 0: so.\n\nChannel 1: I'll have\n\nChannel 0: Like, look,\n\nChannel 1: to talk\n\nChannel 0: I'd\n\nChannel 1: to\n\nChannel 0: wanna\n\nChannel 1: my wife.\n\nChannel 0: boost up your super as much as we can because, obviously, that's what we're looking after, and that's what we're\n\nChannel 1: Yeah.\n\nChannel 0: charging you for. But your other goals have to come into account, and I can take care of things here pretty easily with what you've given me already. And, mate, I would be focused on that mortgage because it gives you all this freedom. Mortgage\n\nChannel 1: It's\n\nChannel 0: is paid off. Oh, I'm gonna go for a holiday now. We'll buy an investment property. All all that stuff opens up.\n\nChannel 1: it sounds really weird. Do you reckon it would be worse? This is probably a bit much. If I was to work out what my percent because my super is obviously off my forty hours, and my forty hours doesn't really change. So if I worked out what board has put in every year, and then I worked at how much I need to salary sacrifice every week, let's say it was a $110, for example, say, is it worth putting a $110 so I meet the threshold and throwing the extra into the offset?\n\nSo, like, I'm I'm guaranteed to make me maximum $30, but, obviously, the I'm not doing 5% anymore because there's a chance I might go over the top of it. You know?\n\nChannel 0: Yeah. It would fluctuate, though, wouldn't it? If you do your overtime, they're gonna pay you super as\n\nChannel 1: Or\n\nChannel 0: well.\n\nChannel 1: no. Because they only pay me super on my forty hours, which is actually thirty six hours a week. They don't pay me on my overtime. If they have to pay us super on our overtime, then we would be paying fucking $60 a year into our super, it wouldn't be yeah. They have to pay us only forty hours, which sorry.\n\nThey pay us forty hours a week, and then two hours go to, obviously, our RDAs, and then two hours go to something else. So thirty six hour weeks is what we work. Technically speaking, that's what we're paid for, and that's what they pay us super off. They take it the\n\nChannel 0: Yeah.\n\nChannel 1: percentage\n\nChannel 0: Yeah.\n\nChannel 1: of 12 and a half percent off their thirty six hours. So\n\nChannel 0: Okay.\n\nChannel 1: it doesn't actually fluctuate. The only and the thing too, if I have holidays and sick days and stuff, because I'm still getting paid by a permanent employee, they still take the percentage of that. Because, obviously, you're getting the full day.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: So they're always gonna be putting they're always in a in a sense, they always put in the same amount nearly every week.\n\nChannel 0: Okay.\n\nChannel 1: So it\n\nChannel 0: So\n\nChannel 1: wouldn't be too hard to work out what they're actually putting in and then what I need to put in. And then throughout the year, if I get a couple $100, I could just put it over and, you know, and stop me 5%. That way, I've got no way of going over the threshold because I don't really wanna pay any more tax or anything on it.\n\nChannel 0: Yeah. Well, that means you kinda get the best of both worlds because if they're\n\nChannel 1: Yeah.\n\nChannel 0: putting in, let's say, 130 is your base on the forty hours, and\n\nChannel 1: Yeah.\n\nChannel 0: that's\n\nChannel 1: Yeah.\n\nChannel 0: $15.06 going in, well,\n\nChannel 1: Yep.\n\nChannel 0: to get to the cap, it's $2.77 a week before tax,\n\nChannel 1: Yep.\n\nChannel 0: which if you salary sacrifice, it gives you an instant tax deduction in the weekly\n\nChannel 1: Yep.\n\nChannel 0: pay.\n\nChannel 1: That's\n\nChannel 0: So you\n\nChannel 1: right.\n\nChannel 0: put\n\nChannel 1: Yeah.\n\nChannel 0: in $2.77. It costs you 200 in the pay packet.\n\nChannel 1: Yep.\n\nChannel 0: So you could potentially do something like that where you put in, say, if if you can confirm that it's, like, $1.30 base and that's what\n\nChannel 1: Yeah.\n\nChannel 0: the super is coming off at, you put in $2.75, $2.70, $2.50, whatever\n\nChannel 1: Yeah.\n\nChannel 0: it is\n\nChannel 1: Yeah.\n\nChannel 0: as a flat amount, and the rest all goes into the offset.\n\nChannel 1: That's right. That'd be, I think, the better option because I know for a fact if I just at least the best thing about the super it's not that I don't know how to find it, like, control my money and that, but it's just so easy. Forget. It's just bang straight over. I don't have to think about it every week.\n\nIt just\n\nChannel 0: Yep.\n\nChannel 1: goes over. It does its thing. It's earning money behind and on, and then I can just keep concentrating on other stuff. That's why I like the whole thing about them having to do it because I don't have to worry about it where I'm not saying I couldn't put the money over every year, but it'd be you know, like, it'd be like, fuck me. I gotta remember to do that now.\n\nYou know? That's why I like the fact that the salary is sacrificing and that.\n\nChannel 0: Yeah.\n\nChannel 1: Because this\n\nChannel 0: It\n\nChannel 1: makes\n\nChannel 0: it'll\n\nChannel 1: it\n\nChannel 0: be a\n\nChannel 1: so\n\nChannel 0: bit\n\nChannel 1: much\n\nChannel 0: of a process\n\nChannel 1: easier for me. Yeah.\n\nChannel 0: because we'd be calling you in May saying, hey, mate. Can you put this over in June? Here's a\n\nChannel 1: Exactly.\n\nChannel 0: form. Fill\n\nChannel 1: Yeah.\n\nChannel 0: out the claim it. Make sure you give it to your accountant before you do\n\nChannel 1: Yeah.\n\nChannel 0: your tax return. Like,\n\nChannel 1: Yeah.\n\nChannel 0: we make it as easy as we can, but it is a tiny bit more of a process.\n\nChannel 1: Yeah. 100% it would be.\n\nChannel 0: So, like, if you can see if they will do a bit of a splitting,\n\nChannel 1: Yeah.\n\nChannel 0: that's that's totally cool because\n\nChannel 1: I'll\n\nChannel 0: in that\n\nChannel 1: ask\n\nChannel 0: way,\n\nChannel 1: them\n\nChannel 0: you can\n\nChannel 1: tomorrow.\n\nChannel 0: get both accounts rolling.\n\nChannel 1: Yeah. Yeah. Well, my thinking is that the more money I obviously, like I said, the the mortgage is a big thing. But the more money I put into you guys, obviously, the longevity of the game, hence why I jumped ship over to you guys is for the longevity of it. Like, you want the return\n\nChannel 0: Yeah.\n\nChannel 1: dump. But my theory was with Carl, and that's why I sorta didn't know how to word it was. No point me salary sacrificing in the because they're not really I'm only there for insurance, so they're not really helping me. And that's hence why I jumped over because they weren't helping me. They weren't really benefiting.\n\nSo I might as well put as maximum as I can in up 24.\n\nChannel 0: Yep.\n\nChannel 1: Obviously, like, possibly or the max of $15 or whatever, 32, you said, but total. But, yeah, that's what I've that that's where I feel would be better off. You know?\n\nChannel 0: And that'll work out really well figures wise because the way I'm looking at it is the this the SGC that they're paying on your wages, that's almost the equivalent of what you're about to salary sacrifice as a flat amount. So it's pretty much an equal\n\nChannel 1: Yeah.\n\nChannel 0: amount, and it's\n\nChannel 1: That's\n\nChannel 0: just splitting\n\nChannel 1: right.\n\nChannel 0: your contributions fifty fifty to two accounts. And then once\n\nChannel 1: Yeah.\n\nChannel 0: the bus builds up, we can do that little top up rollover\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: from\n\nChannel 1: And\n\nChannel 0: that\n\nChannel 1: that's\n\nChannel 0: side\n\nChannel 1: right.\n\nChannel 0: as\n\nChannel 1: Just\n\nChannel 0: well.\n\nChannel 1: enough to keep the insurances pushing along\n\nChannel 0: Yeah. Cool.\n\nChannel 1: while\n\nChannel 0: So\n\nChannel 1: I worry\n\nChannel 0: what\n\nChannel 1: about\n\nChannel 0: I might\n\nChannel 1: losing\n\nChannel 0: do,\n\nChannel 1: some weight.\n\nChannel 0: I'm gonna send you a record of advice, which is basically the same statement of advice you already signed. Just update\n\nChannel 1: Yep.\n\nChannel 0: it with the plan going forward. I'll put\n\nChannel 1: Yep.\n\nChannel 0: in there $1.30 base income, usual income between 2, two thirty, and then we'll say from 5% salary sacrifice to a flat amount of about $2.75.\n\nChannel 1: Yep.\n\nChannel 0: And then if you can maybe get a hold of if you've got that information for the income protection through work\n\nChannel 1: Yeah.\n\nChannel 0: through the union, sorry.\n\nChannel 1: If you want me\n\nChannel 0: I can\n\nChannel 1: to, I can maybe so we don't have a payroll lady at work, but she's our, like, head admin. Our payroll goes into another section. Maybe I can ask her. She would be able she would know she's got access to it. Do you reckon it's worth asking her what my base yearly income is, like, with just my standard rate, forty hours, where it will take away my tax?\n\nShe would be able to give me a lump sum of you earn x amount of money, that's your minimum. Because it's obviously not on the payslips anymore because of the overtime. It just sort of calculates everything. Do you reckon it's\n\nChannel 0: Right.\n\nChannel 1: worth doing that so we get a better because at the moment, like, obviously, we're saying it's a 130, but it might even be a 150 or something. Like, I could be totally wrong here.\n\nChannel 0: Yeah. And outside of going back through that's the thing. The overtime is gonna mask it if I go through your old super statements to work it\n\nChannel 1: 100\n\nChannel 0: back from\n\nChannel 1: percent.\n\nChannel 0: your contributions.\n\nChannel 1: Yeah.\n\nChannel 0: So if\n\nChannel 1: Yeah.\n\nChannel 0: they can even just give you, like, here's your actual base\n\nChannel 1: Yeah. They\n\nChannel 0: and\n\nChannel 1: should\n\nChannel 0: your\n\nChannel 1: be\n\nChannel 0: gross\n\nChannel 1: able to see,\n\nChannel 0: income.\n\nChannel 1: like, an email payroll.\n\nChannel 0: Yep. And then at the same time, if you can be like, hey. The oh, if it's through the union, you have to go separate. But I was just saying, like, a policy schedule or an agreement or something for that\n\nChannel 1: Yep.\n\nChannel 0: health side of things.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: I can keep those on file. And that way, we don't give you the wrong figure recommended.\n\nChannel 1: Yeah. That's cool. Me. I'll I can I can see him at work tomorrow and get to the bottom of it and try and fix him in five days?\n\nChannel 0: Cool. Alright, mate. I'll send you a bit of an email tomorrow with a bit of a recap. And if you can get me\n\nChannel 1: Yep.\n\nChannel 0: those two, I'll fix\n\nChannel 1: Yep.\n\nChannel 0: up\n\nChannel 1: I'll\n\nChannel 0: your\n\nChannel 1: try\n\nChannel 0: documents\n\nChannel 1: and get them as\n\nChannel 0: so\n\nChannel 1: soon\n\nChannel 0: it's\n\nChannel 1: as\n\nChannel 0: all\n\nChannel 1: I can.\n\nChannel 0: perfect. Outside of that, look, contributions are still going to see us, so we just leave it. If they're\n\nChannel 1: Yep.\n\nChannel 0: happy to split it off into hub,\n\nChannel 1: Yep.\n\nChannel 0: that's great.\n\nChannel 1: Yep.\n\nChannel 0: That just simplifies things a little bit.\n\nChannel 1: Yeah. I reckon\n\nChannel 0: And\n\nChannel 1: it's\n\nChannel 0: then\n\nChannel 1: better if I can do it. Yep.\n\nChannel 0: yeah. And we won't have to redirect anything. It'll just be like, hey. This additional bit, can I do it flat over here?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: And, yeah, when you email me back, if you can give me that base income,\n\nChannel 1: Yeah.\n\nChannel 0: possibly\n\nChannel 1: I'll\n\nChannel 0: the\n\nChannel 1: try\n\nChannel 0: policy\n\nChannel 1: my best.\n\nChannel 0: schedule,\n\nChannel 1: Yep.\n\nChannel 0: and whether they will or won't split the contributions, I'll package it up for you.\n\nChannel 1: Yep. No dramas. So do you do you send you don't need me to sign anything until I send you that stuff then?\n\nChannel 0: No. Everything's\n\nChannel 1: Or you\n\nChannel 0: all\n\nChannel 1: still\n\nChannel 0: pretty\n\nChannel 1: need\n\nChannel 0: well.\n\nChannel 1: me yep. All\n\nChannel 0: I think you've already signed the statement of advice originally. I'll\n\nChannel 1: good.\n\nChannel 0: give\n\nChannel 1: Yeah.\n\nChannel 0: you an update at one, of course,\n\nChannel 1: All good.\n\nChannel 0: but\n\nChannel 1: No dramas.\n\nChannel 0: I think that's pretty well sweet, mate. Everything's rolling as it should be.\n\nChannel 1: Alright. Thank you very much, man. I appreciate the call. And thanks for your advice and the help\n\nChannel 0: No worries at all. And last thing is I'll get that beneficiary submitted tomorrow.\n\nChannel 1: too. Thank you very much, man.\n\nChannel 0: Awesome. Have a good night, and\n\nChannel 1: Well,\n\nChannel 0: I'll talk\n\nChannel 1: have\n\nChannel 0: to\n\nChannel 1: a good\n\nChannel 0: you soon,\n\nChannel 1: day, mate.\n\nChannel 0: mate.\n\nChannel 1: See you, buddy. Bye.\n\nChannel 0: Cheers. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.39999998,"end":0.9,"sentiment":"neutral","sentiment_score":0.03800483793020248}],"sentiment":"neutral","sentiment_score":0.03800483793020248,"channel":1,"num_words":1,"start":0.39999998,"end":0.9},{"sentences":[{"text":"Good evening, Jesse.","start":2.1599998,"end":3.04,"sentiment":"neutral","sentiment_score":0.31611742575963336},{"text":"It's Tommy here, senior adviser from.","start":3.04,"end":4.88,"sentiment":"neutral","sentiment_score":0.24612760792175928},{"text":"How are you going this lovely night?","start":4.88,"end":6.58,"sentiment":"positive","sentiment_score":0.5132447736603873}],"sentiment":"positive","sentiment_score":0.37611445877701044,"channel":0,"num_words":16,"start":2.1599998,"end":6.58},{"sentences":[{"text":"Good morning.","start":6.3999996,"end":6.96,"sentiment":"positive","sentiment_score":0.35657285153865814},{"text":"How you going?","start":6.96,"end":7.7,"sentiment":"neutral","sentiment_score":0.29585890968640643}],"sentiment":"neutral","sentiment_score":0.32014448642730714,"channel":1,"num_words":5,"start":6.3999996,"end":7.7},{"sentences":[{"text":"Living the dream.","start":8.16,"end":9.04,"sentiment":"positive","sentiment_score":0.5962957342465719},{"text":"Absolutely living the dream.","start":9.04,"end":10.5,"sentiment":"positive","sentiment_score":0.7421641945838928},{"text":"I'm just giving you a call to go through a couple of quick things regarding your insurances and beneficiaries if you've still got some time for me.","start":10.639999,"end":17.605,"sentiment":"neutral","sentiment_score":0.14220123462103032}],"sentiment":"neutral","sentiment_score":0.25285227399538546,"channel":0,"num_words":34,"start":8.16,"end":17.605},{"sentences":[{"text":"Yeah, buddy.","start":17.195,"end":17.675,"sentiment":"neutral","sentiment_score":0.15668950974941254},{"text":"Yeah.","start":17.675,"end":17.995,"sentiment":"neutral","sentiment_score":0.2527253329753876},{"text":"All good.","start":17.995,"end":18.735,"sentiment":"positive","sentiment_score":0.5236449986696243}],"sentiment":"neutral","sentiment_score":0.32267886996269224,"channel":1,"num_words":5,"start":17.195,"end":18.735},{"sentences":[{"text":"Sensational.","start":19.185,"end":19.685,"sentiment":"positive","sentiment_score":0.3722757697105408},{"text":"Now as you are now a client of OPU Financial, we do a quick security check just to make sure it","start":19.904999,"end":26.28,"sentiment":"neutral","sentiment_score":0.06450868930135455}],"sentiment":"neutral","sentiment_score":0.07849810204722664,"channel":0,"num_words":22,"start":19.185,"end":26.28},{"sentences":[{"text":"Yep.","start":26.154999,"end":26.555,"sentiment":"neutral","sentiment_score":0.05889738351106644}],"sentiment":"neutral","sentiment_score":0.05889738351106644,"channel":1,"num_words":1,"start":26.154999,"end":26.555},{"sentences":[{"text":"is you,","start":26.28,"end":26.76,"sentiment":"neutral","sentiment_score":0.05748316831886768}],"sentiment":"neutral","sentiment_score":0.05748316831886768,"channel":0,"num_words":2,"start":26.28,"end":26.76},{"sentences":[{"text":"Yep.","start":26.555,"end":27.055,"sentiment":"neutral","sentiment_score":0.07010271400213242}],"sentiment":"neutral","sentiment_score":0.07010271400213242,"channel":1,"num_words":1,"start":26.555,"end":27.055},{"sentences":[{"text":"just to protect your info, 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that's pretty well sweet, mate.","start":2010.73,"end":2012.17,"sentiment":"positive","sentiment_score":0.6515550230230603},{"text":"Everything's rolling as it should be.","start":2012.17,"end":2013.87,"sentiment":"positive","sentiment_score":0.6970555384953817}],"sentiment":"positive","sentiment_score":0.6725552609333625,"channel":0,"num_words":13,"start":2010.73,"end":2013.87},{"sentences":[{"text":"Alright.","start":2013.76,"end":2014.08,"sentiment":"positive","sentiment_score":0.4920058846473694},{"text":"Thank you very much, man.","start":2014.08,"end":2014.96,"sentiment":"positive","sentiment_score":0.8093253970146179},{"text":"I appreciate the call.","start":2014.96,"end":2015.84,"sentiment":"positive","sentiment_score":0.8313785940408707},{"text":"And thanks for your advice and the help","start":2015.84,"end":2017.335,"sentiment":"positive","sentiment_score":0.7794679030776024}],"sentiment":"positive","sentiment_score":0.7833272483613756,"channel":1,"num_words":18,"start":2013.76,"end":2017.335},{"sentences":[{"text":"No worries at all.","start":2017.9451,"end":2018.745,"sentiment":"neutral","sentiment_score":0.29956234619021416},{"text":"And last thing is I'll get that beneficiary submitted tomorrow.","start":2018.745,"end":2022.205,"sentiment":"neutral","sentiment_score":0.3322118118405342}],"sentiment":"neutral","sentiment_score":0.3228833930832999,"channel":0,"num_words":14,"start":2017.9451,"end":2022.205},{"sentences":[{"text":"too.","start":2022.2949,"end":2022.455,"sentiment":"neutral","sentiment_score":0.2187041938304901},{"text":"Thank you very much, man.","start":2022.455,"end":2023.9149,"sentiment":"positive","sentiment_score":0.7538743734359741}],"sentiment":"positive","sentiment_score":0.6646793435017267,"channel":1,"num_words":6,"start":2022.2949,"end":2023.9149},{"sentences":[{"text":"Awesome.","start":2024.105,"end":2024.585,"sentiment":"positive","sentiment_score":0.8319723606109619},{"text":"Have a good night, and","start":2024.585,"end":2025.545,"sentiment":"positive","sentiment_score":0.6973567605018616}],"sentiment":"positive","sentiment_score":0.7197926938533783,"channel":0,"num_words":6,"start":2024.105,"end":2025.545},{"sentences":[{"text":"Well,","start":2025.335,"end":2025.735,"sentiment":"positive","sentiment_score":0.3835555016994476}],"sentiment":"positive","sentiment_score":0.3835555016994476,"channel":1,"num_words":1,"start":2025.335,"end":2025.735},{"sentences":[{"text":"I'll talk","start":2025.545,"end":2025.865,"sentiment":"positive","sentiment_score":0.4434298276901245}],"sentiment":"positive","sentiment_score":0.4434298276901245,"channel":0,"num_words":2,"start":2025.545,"end":2025.865},{"sentences":[{"text":"have","start":2025.735,"end":2025.895,"sentiment":"positive","sentiment_score":0.593019962310791}],"sentiment":"positive","sentiment_score":0.593019962310791,"channel":1,"num_words":1,"start":2025.735,"end":2025.895},{"sentences":[{"text":"to","start":2025.865,"end":2026.025,"sentiment":"positive","sentiment_score":0.5409249663352966}],"sentiment":"positive","sentiment_score":0.5409249663352966,"channel":0,"num_words":1,"start":2025.865,"end":2026.025},{"sentences":[{"text":"a good","start":2025.895,"end":2026.135,"sentiment":"positive","sentiment_score":0.5440263450145721}],"sentiment":"positive","sentiment_score":0.5440263450145721,"channel":1,"num_words":2,"start":2025.895,"end":2026.135},{"sentences":[{"text":"you soon,","start":2026.025,"end":2026.425,"sentiment":"positive","sentiment_score":0.5733878314495087}],"sentiment":"positive","sentiment_score":0.5733878314495087,"channel":0,"num_words":2,"start":2026.025,"end":2026.425},{"sentences":[{"text":"day, mate.","start":2026.135,"end":2026.7749,"sentiment":"positive","sentiment_score":0.5791083574295044}],"sentiment":"positive","sentiment_score":0.5791083574295044,"channel":1,"num_words":2,"start":2026.135,"end":2026.7749},{"sentences":[{"text":"mate.","start":2026.425,"end":2026.925,"sentiment":"neutral","sentiment_score":0.2396717071533203}],"sentiment":"neutral","sentiment_score":0.2396717071533203,"channel":0,"num_words":1,"start":2026.425,"end":2026.925},{"sentences":[{"text":"See you, buddy.","start":2026.7749,"end":2027.335,"sentiment":"positive","sentiment_score":0.4134203791618347},{"text":"Bye.","start":2027.335,"end":2027.835,"sentiment":"neutral","sentiment_score":0.32201284170150757}],"sentiment":"positive","sentiment_score":0.39056849479675293,"channel":1,"num_words":4,"start":2026.7749,"end":2027.835},{"sentences":[{"text":"Cheers.","start":2027.865,"end":2028.265,"sentiment":"positive","sentiment_score":0.5807621479034424},{"text":"Bye.","start":2028.265,"end":2028.765,"sentiment":"neutral","sentiment_score":-0.09279855340719224}],"sentiment":"neutral","sentiment_score":0.24398179724812508,"channel":0,"num_words":2,"start":2027.865,"end":2028.765}]},"summary":{"result":"success","short":"A senior adviser from OPU Financial checks on a customer's insurance application and confirms personal information and coverage. They discuss updating insurance policy coverage and updating life and health history. The speaker emphasizes the importance of maintaining insurance policy and suggests working on salary balance and offsetting expenses. They also discuss updating work information and the need for a beneficiary. The speaker provides information on how to save money on mortgage and suggests updating income protection through work."},"intents":{"segments":[{"text":"The first one is do you want it to be a lapsing or non lapsing, which means it expires every three years or it's continuous until you change it? Continuous until I change it, please. Sensational.","start_word":362,"end_word":397,"intents":[{"intent":"Clarify form options","confidence_score":0.0221761}]},{"text":"But that's also why they give you such a less cover because, Correct. like, their their their permanent disability is, like, $45, and I think their death is, like, 205 or something. Yeah.","start_word":1337,"end_word":1369,"intents":[{"intent":"Clarify disability coverage","confidence_score":0.08305211}]},{"text":"We have a redundancy fund, like, through ACHERNA, and they which is through the EBA and through the union, the Yep. CFMU is the union.","start_word":1999,"end_word":2023,"intents":[{"intent":"Find information about redundancy fund","confidence_score":0.016602222}]},{"text":"And the best thing is to it's covered outside of work.","start_word":2353,"end_word":2363,"intents":[{"intent":"Maintain the coverage and protect it","confidence_score":4.644968e-8}]},{"text":"And the other thing too we get for the the union is actually, like, ambulance cover and all that sort of stuff plus free travel insurance. So Yeah.","start_word":2438,"end_word":2465,"intents":[{"intent":"Provide ambulance coverage and reimbursement","confidence_score":0.0036755593}]},{"text":"They actually suggested to him, you stay on this as long as you possibly need to, and they don't try and push off it. They you stay on there as long as you possibly need to because after that two years, even though he was good after eighteen months, he pushed it through the two years, got all his money, made sure he's a thousand percent right. The day Yep.","start_word":2626,"end_word":2695,"intents":[{"intent":"Stay on the job for a longer time","confidence_score":0.000036468708}]},{"text":"I can look I can at try covering my any best gaps. then.","start_word":2986,"end_word":2998,"intents":[{"intent":"Cover gap","confidence_score":0.008240786}]},{"text":"I'll ask a few bucks about it, mate. Yeah.","start_word":2999,"end_word":3007,"intents":[{"intent":"Ask about fees","confidence_score":0.0021401541}]},{"text":"But they get us all their benefits, and then the company's gotta pay into it.","start_word":3068,"end_word":3082,"intents":[{"intent":"Ask about benefits","confidence_score":0.16084462}]},{"text":"So it's part of their same with our long service and our redundancy.","start_word":3084,"end_word":3096,"intents":[{"intent":"Explain redundancy benefits","confidence_score":0.007495426}]},{"text":"How does it work with so all my my company still pays super into C Bus. Right? Correct.","start_word":3459,"end_word":3476,"intents":[{"intent":"Discuss payment options","confidence_score":0.021517389}]},{"text":"I'm just having a quick look. $681.60 a year.","start_word":4156,"end_word":4164,"intents":[{"intent":"Analyze salary and income levels","confidence_score":0.000018481393}]},{"text":"First, they use up any unused cap for the last five financial years going backwards. Yeah.","start_word":4481,"end_word":4496,"intents":[{"intent":"Review financial situation","confidence_score":0.0018967295}]},{"text":"And do you have I mean, you're still working on finishing off that mortgage. Right? 100 percent.","start_word":4942,"end_word":4958,"intents":[{"intent":"Set goals","confidence_score":0.00838958}]},{"text":"They pay us forty hours a week, and then two hours go to, obviously, our RDAs, and then two hours go to something else. So thirty six hour weeks is what we work. Technically speaking, that's what we're paid for, and that's what they pay us super off.","start_word":5856,"end_word":5903,"intents":[{"intent":"Clarify pay schedule","confidence_score":0.04361958}]},{"text":"That'd be, I think, the better option because I know for a fact if I just at least the best thing about the super it's not that I don't know how to find it, like, control my money and that, but it's just so easy. Forget.","start_word":6204,"end_word":6249,"intents":[{"intent":"Discuss financial planning","confidence_score":0.010287053}]},{"text":"No point me salary sacrificing in the because they're not really I'm only there for insurance, so they're not really helping me. And that's hence why I jumped over because they weren't helping me. They weren't really benefiting. So I might as well put as maximum as I can in up 24. Yep.","start_word":6552,"end_word":6604,"intents":[{"intent":"Discuss salary sacrifice and benefit","confidence_score":0.0030377656}]},{"text":"So I might as well put as maximum as I can in up 24.","start_word":6589,"end_word":6602,"intents":[{"intent":"Discuss max wage range","confidence_score":0.0009845422}]},{"text":"while So I worry what about I might losing do, some weight.","start_word":6733,"end_word":6744,"intents":[{"intent":"Discuss potential weight loss","confidence_score":0.04027128}]},{"text":"I'm gonna send you a record of advice, which is basically the same statement of advice you already signed. Just update Yep.","start_word":6745,"end_word":6766,"intents":[{"intent":"Send advice","confidence_score":0.2901217}]},{"text":"And then if you can maybe get a hold of if you've got that information for the income protection through work Yeah.","start_word":6803,"end_word":6824,"intents":[{"intent":"Discuss income protection","confidence_score":0.02998611},{"intent":"Discuss potential savings","confidence_score":0.0006275364}]},{"text":"If you want me I can to, I can maybe so we don't have a payroll lady at work, but she's our, like, head admin. Our payroll goes into another section. Maybe I can ask her. She would be able she would know she's got access to it.","start_word":6829,"end_word":6876,"intents":[{"intent":"Request assistance from payroll lady","confidence_score":0.07473716}]},{"text":"She would be able to give me a lump sum of you earn x amount of money, that's your minimum. Because it's obviously not on the payslips anymore because of the overtime. It just sort of calculates everything. Do you reckon it's Right.","start_word":6906,"end_word":6948,"intents":[{"intent":"Inquire about employee benefits","confidence_score":0.000011840134}]}]},"sentiments":{"segments":[{"text":"Hello? Good evening, Jesse. It's Tommy here, senior adviser from.","start_word":0,"end_word":9,"sentiment":"neutral","sentiment_score":0.2486580461263657},{"text":"How are you going this lovely night? Good morning.","start_word":10,"end_word":18,"sentiment":"positive","sentiment_score":0.4688464105129242},{"text":"How you going?","start_word":19,"end_word":21,"sentiment":"neutral","sentiment_score":0.30859625339508057},{"text":"Living the dream. Absolutely living the dream.","start_word":22,"end_word":28,"sentiment":"positive","sentiment_score":0.6777215600013733},{"text":"I'm just giving you a call to go through a couple of quick things regarding your insurances and beneficiaries if you've still got some time for me. Yeah, buddy. Yeah.","start_word":29,"end_word":58,"sentiment":"neutral","sentiment_score":0.15296125411987305},{"text":"All good. Sensational.","start_word":59,"end_word":61,"sentiment":"positive","sentiment_score":0.4320502281188965},{"text":"Now as you are now a client of OPU Financial, we do a quick security check just to make sure it Yep. is you, Yep. just to protect your info, mate. Are you okay for the call to be recorded for training and quality purposes? Yeah.","start_word":62,"end_word":107,"sentiment":"neutral","sentiment_score":0.061082519590854645},{"text":"That's cool, man. Fantastic.","start_word":108,"end_word":111,"sentiment":"positive","sentiment_score":0.4643013179302216},{"text":"And I am registered with ASIC as adviser one two seven three one zero five. Could you please confirm your date of birth and address? The fifteenth to the twelfth ninety two, and 20 Condor Close, Cameron Park.","start_word":112,"end_word":149,"sentiment":"neutral","sentiment_score":0.10553492605686188},{"text":"Beautiful.","start_word":150,"end_word":150,"sentiment":"positive","sentiment_score":0.4351296126842499},{"text":"Mate, we don't have a security question on file. Are you comfortable just to do these three point ID checks each call? Do you want me to put a security question in No. place? That's cool, man. Yeah.","start_word":151,"end_word":188,"sentiment":"neutral","sentiment_score":0.02654947340488434},{"text":"It's all good. What we're doing is fine. Thank you. Fantastic.","start_word":189,"end_word":199,"sentiment":"positive","sentiment_score":0.4176657497882843},{"text":"Now first thing I wanted to jump into with you is just your beneficiary nominations came through for c bus and hub twenty four, and Yeah.","start_word":200,"end_word":225,"sentiment":"neutral","sentiment_score":0.1446845680475235},{"text":"it's all looking pretty good.","start_word":226,"end_word":230,"sentiment":"positive","sentiment_score":0.3780025541782379},{"text":"The only thing is we didn't have ticked the nomination type. So I just wanted to quickly run that by you, make sure we are putting the correct tick box on there, and then we're Right. good to submit that. Yeah. Yeah. Cool. So we had in the SOA that you were nominating your partner Yeah. to My receive. wife, Emma. Yep. Yep. So spouse, a 100%. Now Yep. we did recommend, like, a non lapsing binding nomination. Do you remember the different types and what that means? No, man. I was a bit sort of a bit unsure about it. Yeah. I probably I've obviously might have put the wrong one, I think. No. That's okay. So to make it super easy for you, you've got two main choices. Yep. The first one is do you want it to be a lapsing or non lapsing, which means it expires every three years or it's continuous until you change it? Continuous until I change it, please. Sensational. And So this is that is lapsing or that's non lapsing then? a non lapsing. Correct. Yep. You don't The pick other lapsing, thing? did I? It was just blank on the form. Oh, sorry. I didn't get it. Alright. That's alright. The other option is whether you want it to be legally binding or nonbinding. It's a bit of a strange question, Yeah. but Yeah. there is actually a choice that you can have it nonbinding, so it's up to the superfund's discretion, or legally binding means they have to do it in a court of law. Oh, it sounds like a bit of a question, but what do what do most people do in that situation? That's okay. Most people do, like, a legally binding one because it's the most direct, and the super fund pretty much just has to do what you've put down on that form. Yeah. They don't That'd have be any the wiggle. one then. Okay.","start_word":231,"end_word":559,"sentiment":"neutral","sentiment_score":0.02345877287464958},{"text":"That's cool. Yep. Fantastic.","start_word":560,"end_word":563,"sentiment":"positive","sentiment_score":0.43314844369888306},{"text":"So I'll put down a non lapsing binding. We can Yep. get that uploaded to hub twenty four tomorrow. Usually takes a couple days, and then that's all sorted. Yeah. Sorry about that, man. No. Don't apologize at all. Mate, we're here just to check and make sure it's all good. Just save you as filling out the form again. Yep.","start_word":564,"end_word":624,"sentiment":"neutral","sentiment_score":0.13759787380695343},{"text":"Cool. Mate, your super all came in on the March 27. We've got it all invested. It's already jumped back up $7, so all the fees that you paid for us are already pretty much made up, and Yep. Oh, it's well. on the way up.","start_word":625,"end_word":670,"sentiment":"positive","sentiment_score":0.4033707082271576},{"text":"You've Yep. kind of gone in at a perfect time because the stock market was at a real low in March, and it's just jumped back up since.","start_word":671,"end_word":698,"sentiment":"neutral","sentiment_score":0.0775549044566495},{"text":"Yeah. Righto. So three or 4% return straight away in a month is pretty good. Again, That's we're aiming for, like, 10% plus over a year, like, long yep.","start_word":699,"end_word":727,"sentiment":"positive","sentiment_score":0.4785439968109131},{"text":"term. Yeah. That's correct.","start_word":728,"end_word":731,"sentiment":"neutral","sentiment_score":0.2859615385532379},{"text":"Cool.","start_word":732,"end_word":732,"sentiment":"positive","sentiment_score":0.4118060469627381},{"text":"The only other thing I wanted to go through with you was it's a bit of sensitive information, but it's just regarding your insurance application. Yeah. You do you remember that you've got the c bus cover, which we're keeping in place? Yeah. Yeah. Yep. And then we Yeah. were applying Got it. for Yep. a bit of a top up of life and TPD with a a separate insurer. Does that ring Yeah. a That bell? was, like I think that's the one Carlos spent, like, $22 a month or something out of pocket. Is that the one you're talking about? No.","start_word":733,"end_word":835,"sentiment":"neutral","sentiment_score":-0.043150801211595535},{"text":"That's the trauma.","start_word":836,"end_word":838,"sentiment":"negative","sentiment_score":-0.37562936544418335},{"text":"So what I'll Okay. do, Yep. I've Sorry. got your SOA in front of you, in front of me. Sorry. Yep. So CBAS has a couple of $100 worth of life and disability insurance. So if you pass Yep. away or you can never work again, there's your lump sum. Yep. We were doing the out of pocket one, that's trauma. So that's heart Yep. attack, stroke, and cancer. Yep. And on top of that, with the same insurer with MetLife, we were going to add on about a million dollars worth of life and TPD just to make sure all the debts are paid, incomes Yeah. replaced, a big top up. Does that ring a Yep. bell? Yep. Now we've actually had a bit of a decline come back from the insurer after the medical check you had. I think you saw Yes. a doctor, and they Yeah. may have Yeah. done some checks and things like that. Yeah. So we actually had you listed down BMI wise at a weight of one eighteen kilos, and the doctor put down one eighty. Yeah. Righto. Okay. Yeah. Yep. So what's happened is the one eighty, if that's correct, that pushes your BMI into the high Yes. category 50 where three they actually percent or something. Yeah. yeah. 53 BMI. Now Yep. they cut it off after 45. That's Okay. kind of the best you Yep. can do. So when it's above that, they can't give you any Yep. insurances with any insurer on top of what you've already got. Okay. K? So Yep. wanted to, first of all, just double check with you whether that was correct or Yeah. whether That there was was a correct. bit of I a typo. I don't know where they got the only thing I think of is I sometimes speak a little bit fast. Maybe they've misinterpreted when I said it, but yeah. No. One eighty was yeah. That's what I weighed the other day, one eighty point six or something, I think, total. But, Yeah. yeah, And I I did I double I check think it it a couple could have of times.","start_word":839,"end_word":1199,"sentiment":"neutral","sentiment_score":-0.0645602557529538},{"text":"been me just been talking a bit faster or maybe just coming through a bit shit.","start_word":1200,"end_word":1215,"sentiment":"negative","sentiment_score":-0.38022029399871826},{"text":"But yeah. No. Definitely yeah. No. The That's the my the 100 percent of medical is correct because I did it the other day. yeah. As yeah. I don't know if I fucked that up or what's happened there, but, yeah, it's probably just yeah. But that's anyway, moving forward, a 100% that is made a 180. But Yeah. so does that mean MetLife won't cover me at all now No. with No the one top up one? yeah. The top up cover, no retail insurer offers it above 45. Yeah. Righto. But the C bus one's still in force, and that one's Yeah. still Because fine.","start_word":1216,"end_word":1322,"sentiment":"neutral","sentiment_score":-0.12814170122146606},{"text":"they don't send you for medicals because they don't really give a shit.","start_word":1323,"end_word":1335,"sentiment":"negative","sentiment_score":-0.5840694308280945},{"text":"But that's also why they give you such a less cover because, Correct. like, their their their permanent disability is, like, $45, and I think their death is, like, 205 or something. Yeah. It was like hang It's on. I've got it's it it's here very in front it's of very me. minimal compared to what are the Yeah. It's just a basic, like, unitized stuff. So based on your age, yep. they basically give you two hundred and eight of life and one forty five of TPD, Yeah. which is total One. disability. For the yep. Yeah. It's Yep.","start_word":1336,"end_word":1435,"sentiment":"neutral","sentiment_score":-0.07863209396600723},{"text":"absolutely shittel, really, in the scheme of things.","start_word":1436,"end_word":1443,"sentiment":"negative","sentiment_score":-0.4218574464321137},{"text":"Yeah. Yep. So So that I did means have a okay. bit of a go ahead. Yeah. Yeah. Sorry. No. You're alright. Continue. I was just gonna say I did a bit of a double check on it because 118 and one 80 sound pretty similar when you speak it. That's And what I think I've done, and I probably don't speak very proper. You know? Like, I just sort of yeah. I speak with fast, and I reckon maybe they misinterpret, which is understandable, man. Yeah. And, look, I do apologize, like, if we've put down the wrong figure there and and given you That's a cool, bum man. steer. It is what Sorry it is. about Yeah. that. That's cool. Yep. So one of the things that, obviously, from here, like, everything is looking pretty good.","start_word":1444,"end_word":1581,"sentiment":"neutral","sentiment_score":-0.05471857264637947},{"text":"The sea bus is there.","start_word":1582,"end_word":1586,"sentiment":"positive","sentiment_score":0.35234010219573975},{"text":"You've got the cover in place.","start_word":1587,"end_word":1592,"sentiment":"neutral","sentiment_score":0.2927393615245819},{"text":"The soup is growing. Everything is looking pretty sweet there.","start_word":1593,"end_word":1602,"sentiment":"positive","sentiment_score":0.5229922533035278},{"text":"It's just probably something where we've got to come back Yep. to the top up insurance in a year or two's time. Yeah. Right. That's obviously just a few lifestyle changes and bring it back down. Yeah. Pretty much. Because once you hit forty five BMI, they'll give you the cover with a bit of a loading, like the Yep. price will be a bit more. Yep. Outside of that, every five BMI points, they chop it down further and further and further up until $30.35 is, like, the cleanest and the lowest price. Yeah. Righto. Yep. Yep. So if Okay. you're comfortable with that, Yeah. we'll It all basically get it. It's what it is. I can't really change that overnight. That's my that's that's me being me.","start_word":1603,"end_word":1731,"sentiment":"neutral","sentiment_score":0.09753208774928898},{"text":"But, yeah, that's cool, man. I appreciate you looking into it, that's okay.","start_word":1732,"end_word":1744,"sentiment":"positive","sentiment_score":0.5678560733795166},{"text":"What we'll do is we always put a flag on the file. So when we do the annual reviews Yep. with you, we'll talk through how everything's going. Do Yep. we need to change anything with the super? Is there anything else that you're doing in your life or advice that you need? Yep. And then when we come back around to insurances, we'll talk about the c bus. We'll check if there's been any health changes. If there has Yep. been, we can just revisit it once it hits the threshold, and Yep. then we're pretty Yep. sweet. K. Is that okay for Yeah. you? That's fine, man. It is what it is. Yeah. Cool. Now I've like, as a senior adviser, I've obviously checked through the advice to see if there's anything that we need to change from that, but Yep. we were keeping the C bus in place already anyway. Yeah. And there was a bit of a mention of let me just pull it up for a quick sec. Through the union that you may have had some cover and protection with them Yep. through the employment and the union. Does that ring a bell as well? Yeah. Are you talking about U plus? Is there anything about U plus? Yeah. Is that It what mentions here that you had an EBA and yeah. It's a bit of a it's it's a bit IncoLink. maybe I'm the dumbest person to explain it, but it's a bit weird to explain. We have a redundancy fund, like, through ACHERNA, and they which is through the EBA and through the union, the Yep. CFMU is the union. And then through that, if you hurt yourself outside of work and that, it's to get cover. And there's a thing called u plus, and it's like, well, the best way to explain it, I fell fell off a ladder at home, snapped his femur. He was off for two years. He got u plus up to 85% of his total wage until he came back to work up to two years or whatever it was, and that's what it is. It's like a I suppose it's like a way of saying income protection, but I don't know if it's classed as that, Yeah. I if mean, that makes depending sense on at all. it makes perfect sense. It reminds Yeah. me of the old friendly societies. I don't know if you ever remember the old charity friendly societies from fifty years ago. Nah. Nah. Was that something So similar? Was it? yeah. So back in the day in Australia, back before everyone had, like, know, big insurance companies and super funds and everything, people used to be part of not only unions but friendly societies. And, Yep. you know, Yep. you'd have a small town somewhere, a farming community, and they'd all pull this money together. So if someone was off work, redundant, Yep. Yep. or injured, it would help protect them and their family in the events Yeah. of death and disability. So, look, I would love to get some info on that if they do have Yes. any documents that they've given you, any I policies don't or EBAs. have anything on me. Like, as in I'll just, I don't know. Like, I can I can find some information if you'd like to? 100%. I could try and find some. I can just ask the boys at work that have been up because I don't know if four people have been on it that I know of in the last couple of years to certain themselves. And the best thing is to it's covered outside of work. So the fellow that fell off the ladder, it was like a Sunday midday.","start_word":1745,"end_word":2376,"sentiment":"neutral","sentiment_score":-0.008456658312602889},{"text":"He fell off flat, snapped his leg, and he got it.","start_word":2377,"end_word":2387,"sentiment":"negative","sentiment_score":-0.3484269380569458},{"text":"It takes three thirty days to get it. You've got to actually, like, claim it, and then they Yeah. gotta It do, goes like, through a the check process and stuff. document But and doctor he's stuff. just pretty much cut and dry, sort of a ladder, and they pay. And the other thing too we get for the the union is actually, like, ambulance cover and all that sort of stuff plus free travel insurance. So Yeah. that's Run. another that's another thing they do for us. Just oh, you still gotta pay if it is, like, freaking for my kids went to hospital right now. I just gotta pay the ambulance cover or the ambulance, and then I just literally send them a receipt, and they reimburse me the money for the ambulance. Because as an ambulance, it's like $6,700 sometimes. You know? Yeah. And So that's they gonna be one of the biggest things for you is if you're out of work for a small period of time, like six months, nine months, they yeah. having, like, mortgage payments covered and things Exactly. like that for something out of work, that's perfect. The sneaky part is, though, as like all things, it's got policies behind it. If you Yes. go off work with a certain type of injury or something along those lines, you can't then claim that against that fella that broke his leg. They actually suggested to him, you stay on this as long as you possibly need to, and they don't try and push off it. They you stay on there as long as you possibly need to because after that two years, even though he was good after eighteen months, he pushed it through the two years, got all his money, made sure he's a thousand percent right. The day Yep.","start_word":2388,"end_word":2695,"sentiment":"neutral","sentiment_score":0.00734565407037735},{"text":"he come back to work, that means he cannot get it for that injury ever again.","start_word":2696,"end_word":2711,"sentiment":"negative","sentiment_score":-0.34384283423423767},{"text":"So if he was Yeah. to fall It's off a another one off. lateral step wrong and he did it again, they can't cover you. You know? So you gotta Yeah. be a little bit careful. But, yeah, it's pretty I mean, everybody rags on unions and that, but, I mean, there's good and bad in everything we do, as you would know.","start_word":2712,"end_word":2774,"sentiment":"neutral","sentiment_score":-0.1021323124804194},{"text":"But I I think they're pretty good. They've helped us in this in that situation.","start_word":2775,"end_word":2789,"sentiment":"positive","sentiment_score":0.525757908821106},{"text":"So Mate, what I always say is the truth's always somewhere in the middle. You Yeah. get two Hundred sides percent. of the coin, Exactly. and it's somewhere in the middle. Yeah. I mean, it's bad stuff that what's going on with them and, you know, all that carry on this FMU and that, but they do do good stuff for people and us. You know? So Yeah. So at least but the income protection is the important bit because even in the the trauma side, like, there's still the public health system. If you have a heart Yeah. attack Yeah. or something, you go into an emergency room. Someone's gonna look after Exactly. you. It's more of the things like, does your partner need to take some time off work to look after you at home? Gives a bit Yeah. of Yeah. financial space, which that may even cover a little bit. Yep. So if if I can't like, if it's not too trouble and you can get some information through to us, I would love to have it on file so that when we come back to it in a year or two, Yeah. I can look I can at try covering my any best gaps. then. I'll ask a few bucks about it, mate. Yeah.","start_word":2790,"end_word":3007,"sentiment":"neutral","sentiment_score":0.06365916132926941},{"text":"That'd be fantastic.","start_word":3008,"end_word":3010,"sentiment":"positive","sentiment_score":0.4119228720664978},{"text":"Because, Yeah. again, I'm assuming do you pay anything through your your payslip for it? Or Nah. So we pay our union fees, which obviously go up and increase, like, tolls and all sorts of stuff due every yep. couple of But months. that goes But towards that. I think it's, like, $35 a fortnight or something. But they get us all their benefits, and then the company's gotta pay into it. So it's part of their same with our long service and our redundancy. They pay Yeah. into a little amount, so we get a redundancy pack so that if we ever lost our job or got sacked or whatever, we can claim that. That that the company's got to put in for that sort of stuff, same as what they got to put in for your super.","start_word":3011,"end_word":3149,"sentiment":"neutral","sentiment_score":0.0215302778930544},{"text":"So it's a good little we're at it.","start_word":3150,"end_word":3157,"sentiment":"positive","sentiment_score":0.6203082203865051},{"text":"We're we're not the only thing we pay is our membership to the union every every fortnight or every six months, whatever you choose to do.","start_word":3158,"end_word":3183,"sentiment":"neutral","sentiment_score":0.23196490108966827},{"text":"So that's pretty good.","start_word":3184,"end_word":3187,"sentiment":"positive","sentiment_score":0.6671391129493713},{"text":"It cost us not, really, in I the scheme kinda of love things. that because there's no no one's allowed to do redundancy insurance in Australia except for the the Union and Centrelink.","start_word":3188,"end_word":3220,"sentiment":"neutral","sentiment_score":0.08367753773927689},{"text":"And the fact that you've got it, that's fantastic.","start_word":3221,"end_word":3229,"sentiment":"positive","sentiment_score":0.6847402453422546},{"text":"I mean, it's yeah. Like I said, it's good. There's pros and cons with everything, but and, like I said, people blow up about it, but they're pretty good if you're part of it and you know? Yeah. But, yeah, You're not definitely, looking to I change can. work soon, are you? No. Not really, man. I'm pretty pretty comfortable. I'm at a pretty good job.","start_word":3230,"end_word":3295,"sentiment":"neutral","sentiment_score":0.0953180342912674},{"text":"Earned some good money. I get some good variety.","start_word":3296,"end_word":3304,"sentiment":"positive","sentiment_score":0.3685266673564911},{"text":"It's it's pretty it's a sort of a job for a lifetime, I suppose, probably till I'm a bit older. Yeah. And, like, even looking at the way you you're super going up and you're on that 6 figure salary, mate, you're Yeah. already well ahead of everyone for your age. So, like, if if you can maintain that That's and use what the that whole cash point was. flow That end goal was Cool.","start_word":3305,"end_word":3379,"sentiment":"neutral","sentiment_score":0.1279560774564743},{"text":"the big thing.","start_word":3380,"end_word":3382,"sentiment":"positive","sentiment_score":0.353562593460083},{"text":"That fellow workers with you guys, and that's what he said.","start_word":3383,"end_word":3393,"sentiment":"neutral","sentiment_score":0.30060434341430664},{"text":"The end goal is the big picture.","start_word":3394,"end_word":3400,"sentiment":"positive","sentiment_score":0.339451402425766},{"text":"Yep. Yeah. The only thing I gotta ask is it Carl has explained it to me many times.","start_word":3401,"end_word":3418,"sentiment":"neutral","sentiment_score":-0.07427921891212463},{"text":"I'm a bit of an idiot.","start_word":3419,"end_word":3424,"sentiment":"negative","sentiment_score":-0.5145841240882874},{"text":"I understand you're just trying to keep the and it's good thing that he's kept the insurance now to save us because, obviously, the MetLife doesn't wanna insure me, which is fine.","start_word":3425,"end_word":3456,"sentiment":"positive","sentiment_score":0.38185781240463257},{"text":"Yeah. Yeah. How does it work with so all my my company still pays super into C Bus. Right? Correct. So and then every, what, six to twelve months, we'll revisit and then you'll bring that money back over? Or do you just plan on keeping, like, a $30 in there just to dwindle away? Or how does it sort It's of the looking? first one. So what we do is the contributions going in there make sure that there's a tag on your account Yes. so it stays active because if that goes inactive, Yes. they'll close it. Yep. And then when we do the annual reviews, we'll Yep. revisit how much it's going up to, and then Yep. everything above what we need to keep, we'll Excellent. just move it Yep. across. Okay. No dramas here. That's I thought that was the case, but I thought maybe I'm just reading it a bit wrong. Yeah. And, look, I think we kept in there was it $10 Yeah. to Just start just with? I'm $10 just gonna look. or something. Yeah. But the thing is I'm getting paid every week into a settle go up, obviously, and our salary Yeah. sacrifice into the two. That was the biggest thing I was thinking. Do I stop the salary sacrifice and salary sacrifice into hub 24, or do I just leave it in the sea bus? You know? Because I thought I didn't know what really to do there either because I feel like the whole point of jumping over with you guys was to increase, like, obviously, the super. So should I just salary sacrifice into the c bus just to keep it moving, or should I salary of us in the hub 24 to get it, like, obviously, picking up? You know? Oh, that is a great question because if you're comfortable to actually split your contributions, do you think work would do it for you and pay up? I can ask them. It's no drama. I I don't say it's a drama because they just I can ask them, but I don't think it would be a drama because it's all automated anyway. So all they do is I just salary sacrifice 5%, and they would just nominate it into said account. So they pay Yeah. my super into c bus, and then they have to pay the salary sacrifice part into it as well. So that I'm assuming they would have to click more buttons. But if they had to swap and go from c bus to Hub 24, I can't see it being a drama. Yeah. But I It'll wasn't be worth sure checking. if I'd like because, obviously, they're automatically paying into it, and I just figured, like, it would move my hub 24 up a lot more if I was putting that extra 5%. Because some weeks, I can put a $160. Another week, so I can put up with the $400 depending on how many hours I do for the week. You know? Yep. So That's let me yeah. just go are you paid monthly, fortnightly? Weekly. Weekly.","start_word":3457,"end_word":3981,"sentiment":"neutral","sentiment_score":-0.0004420418185847146},{"text":"That's Yeah. sensational.","start_word":3982,"end_word":3984,"sentiment":"positive","sentiment_score":0.4888955354690552},{"text":"Okay. So And I think the other thing too, they said on the system that I own a $130. I mean, that's very like, my job is very dependent on overtime. So, like, some years I can pull up with the 2 and $30 in a year, but then, obviously, other times when there's no overtime, you're not really earning that much either. Yes. So it's Yeah. a bit Yeah. that's why I tried to explain to Colin, I think her name was Jordan.","start_word":3985,"end_word":4068,"sentiment":"neutral","sentiment_score":-0.12163632363080978},{"text":"It's very up and down. It's like a rollercoaster job.","start_word":4069,"end_word":4078,"sentiment":"negative","sentiment_score":-0.3907773196697235},{"text":"Say one week, you'll do forty hours. The next week, you'll do ninety. It just depends. Yeah. So we've just got to be careful obviously on on caps to make sure we don't go over. Yeah. They're increasing it next financial year to thirty two and a half. Yep. So, like, ideally, your premiums with C plus are pretty low. So it doesn't need that much to be Yeah. in there to keep Yep.","start_word":4079,"end_word":4152,"sentiment":"neutral","sentiment_score":-0.0016702635062707436},{"text":"it going.","start_word":4153,"end_word":4154,"sentiment":"positive","sentiment_score":0.48845577239990234},{"text":"Yep. I'm just having a quick look. $681.60 a year. So, realistically, if you're averaging a 125 a week salary sacrifice going in, like the 5% that you're talking about, Yep.","start_word":4155,"end_word":4185,"sentiment":"neutral","sentiment_score":0.2160559743642807},{"text":"that would keep it going. No problems at all. And your main contributions can go over the hub, and then you get it invested gradually through the year, which is much better. Yep. So if they can split it, that'd be good.","start_word":4186,"end_word":4227,"sentiment":"positive","sentiment_score":0.5735437870025635},{"text":"Yep. The only thing I wanna double check quickly is when it comes to your income, Yep. do you know what your year to date is for this financial year? I'll have a quick look I got paid before. Thank But you. this is another thing too. They changed the pay slip around. But last year, we had absolutely heaps of info, and they changed the system in a few dates because we merged a few companies. Yes. Yes. So here, my year to date year to date gross payments, Yeah. 193,000 and and $26. Yeah. Right. So that does sound That's like it's incorporating the whole year. that's right. K. It's got my it's got my taxable income as well with the but, yeah, my year to date. Yeah. So it's 193,000 this So I'll give you an example. Let's say you end up with $2.30, just year. for argument's sake. Yep. Yep. If you get your 12% contributions, that's 27,600 Yes. out of the 30. Yep. And then oh, hang on. Let me just do the old work back just to make sure I haven't point 02/2017. Yeah. So one of the things that'll happen is if your salary is sacrificing 5% and you end up with $230, you could have 39 go in there for the year, and you go a little Yep. bit above the cap. Yeah. And then you gotta Now pay pay the tax on it. Yeah. And then what ends up happening? So two things. First, they use up any unused cap for the last five financial years going backwards. Yeah. Which won't have any. Yep. You reckon you've kind of hit that 200 mark five So years I've in tried Iraq? I've tried to hit so this is just me being me. I've tried to hit $30, sale super every year. I've I've a few years, I've been a bit short, but every year since I've been selling sacrifice, I've been trying to hit that 30,000 mark to make it work me well. And the way I used to look at it was my company used to put in about 14 or 15,000, so I would have to put in the same.","start_word":4228,"end_word":4597,"sentiment":"neutral","sentiment_score":0.021696345130535397},{"text":"And that's why, as I said, some weeks, it's really good.","start_word":4598,"end_word":4608,"sentiment":"positive","sentiment_score":0.38688552379608154},{"text":"And, like, a couple of years ago, I was doing, like, a lot of less weeks, like, just forty hours. So I was just dwindling away. I was only putting in, like, a $150 a week or something extra, and it worked Uh-huh. out choice.","start_word":4609,"end_word":4653,"sentiment":"neutral","sentiment_score":-0.01192864030599594},{"text":"It worked out awesome because, you know, I was only I only put in, like, maximum of, like, $24 total. But then, like, two years ago, then I've done a massive year, a month to year, and I was right on the I was, like, a couple $100 shy, and I was very lucky.","start_word":4654,"end_word":4707,"sentiment":"positive","sentiment_score":0.40228191018104553},{"text":"Right.","start_word":4708,"end_word":4708,"sentiment":"neutral","sentiment_score":0.31531083583831787},{"text":"Okay. Perfect.","start_word":4709,"end_word":4710,"sentiment":"positive","sentiment_score":0.486705482006073},{"text":"So there's a couple of things that we can do. There's two things. Either Yep. we do, like, usual quarterly catch ups just to see how you're going if you're comfortable with that frequency Yeah. of contact. Yeah. And I'm I'm cool, though. k. And then if the contributions start, like, hitting cap territory next year, we can obviously Yep. be like, hey. Pause your salary sacrifice, that Yeah. kind of thing. And that's another thing too because I I was never on I was never sure the reason I did 5% is to do the work to follow that switch is actually his name's Dustin. He told me to do 5% because it worked out well because on a low week, you're obviously only putting in an extra $100, but you still have sat for us.","start_word":4711,"end_word":4847,"sentiment":"neutral","sentiment_score":0.13289182649476686},{"text":"On a high week, you can put it up to $3,400, and it brings it obviously off to your yearly income and all that sort of. You get your little tax benefits from it too.","start_word":4848,"end_word":4882,"sentiment":"positive","sentiment_score":0.5127134323120117},{"text":"That's why the 5% was Yes. working. But, obviously, throughout the last two years, I've increased in my pay by pulling up a couple of categories, doing a bit of different stuff inside the job.","start_word":4883,"end_word":4917,"sentiment":"neutral","sentiment_score":0.3063758909702301},{"text":"So I'm actually earning a little bit more.","start_word":4918,"end_word":4925,"sentiment":"positive","sentiment_score":0.39995095133781433},{"text":"So my 5% would be, like you're saying, would be encroaching pretty high, actually. Yeah. Okay. And do you have I mean, you're still working on finishing off that mortgage. Right? 100 percent. Yeah. Okay. I don't want to overcomplicate things, but there is another option that you Yeah. don't do any salary sacrifice and you pull it all up in your offset account the whole year, and it's Yep. offsetting your mortgage. And then June comes, you flick in the rest to top you up to $30 and get the tax deduction. There's a father at work that told me see, my driver at work told me exactly to do that. He said, you're only 30 years old now. I'm 33. But because you're 30 years old, you shouldn't be worrying about super you should be worrying about dropping the hell out of your mortgage before you hit 50. You know? That was his attitude. And it and I Yes. just sort of left the salary like set to forget. You know? It was just easy money just to just do it like that. But you're not wrong, especially an extra $200 every week. And then there's fifty two weeks in a year that's, you know, a couple of thousand dollars extra bringing down the offset. It's probably not a dumb idea, actually.","start_word":4926,"end_word":5149,"sentiment":"neutral","sentiment_score":0.06041289493441582},{"text":"I I would a 100% do that.","start_word":5150,"end_word":5156,"sentiment":"positive","sentiment_score":0.38023775815963745},{"text":"Like, I'm I'm not trying to, like, overstep the bounds here, but the way I'm thinking of it is you're already at a huge amount of super few rage. You're on Yep.","start_word":5157,"end_word":5188,"sentiment":"neutral","sentiment_score":0.06168070435523987},{"text":"6 figures. You're in a pretty good growth fund. That's Yep. gonna get to a pretty massive amount by 60 anyway.","start_word":5189,"end_word":5209,"sentiment":"positive","sentiment_score":0.6127570271492004},{"text":"Yep. And even if you end up like, let's say you keep earning 200 plus, Yep. and even if the top up at the end of the year is only 4 or $5 or something, Yep. it's so much better to have that mortgage down. If you've got the discipline to make sure it keeps pulling in there and you're not spending Yeah.","start_word":5210,"end_word":5272,"sentiment":"neutral","sentiment_score":0.18011637032032013},{"text":"it, that's gonna get you ahead personally Yeah. a lot more, and the super is gonna take care of itself.","start_word":5273,"end_word":5292,"sentiment":"positive","sentiment_score":0.503842830657959},{"text":"Yeah.","start_word":5293,"end_word":5293,"sentiment":"neutral","sentiment_score":0.31087934970855713},{"text":"Right.","start_word":5294,"end_word":5294,"sentiment":"positive","sentiment_score":0.3353283405303955},{"text":"So in a sense, pull the salary sacrifice back, start putting that extra into the mortgage on the weekly basis, put it into the offset, bring all my tax down. And then, like you said, at the end of the year, whatever's, like, owing towards that $30, just pull it out and get the maximum amount out of your super contributions. Yeah. That's what All you're saying, that means isn't is it? that Yep. we cannot do this whole two contributions to two super funds thing, but it's gonna Yep.","start_word":5295,"end_word":5384,"sentiment":"neutral","sentiment_score":0.2151283621788025},{"text":"be so much better for you in the personal run and your Yep. own assets and your personal name.","start_word":5385,"end_word":5403,"sentiment":"positive","sentiment_score":0.43078240752220154},{"text":"Yep. Because I it would doesn't much I suppose rather it you doesn't do matter that. about the sales tax cost because they're all my company board is automatically putting in the seat bus. So surely, the money that they're putting in every year, if they're putting in $15, would he keep me, like, skating above the the bottom of the barrel with the insurances? I would like to think. I would I don't think they'd take $15 a year, but you never know. Oh, yeah. No. Absolutely.","start_word":5404,"end_word":5491,"sentiment":"neutral","sentiment_score":-0.0874076560139656},{"text":"Like, honestly, even if you put in $500 a year, that'll last you five, ten years pretty easily.","start_word":5492,"end_word":5509,"sentiment":"positive","sentiment_score":0.4552341401576996},{"text":"Yeah. Yeah. So I'm I'm sorta yeah. Like you said, well ahead, and I should probably be looking at the bigger picture with the house, actually. It's not a dumb idea. I think Come on. so. I'll have Like, look, to talk I'd to wanna my wife.","start_word":5510,"end_word":5556,"sentiment":"neutral","sentiment_score":0.2550729811191559},{"text":"boost up your super as much as we can because, obviously, that's what we're looking after, and that's what we're Yeah. charging you for. But your other goals have to come into account, and I can take care of things here pretty easily with what you've given me already. And, mate, I would be focused on that mortgage because it gives you all this freedom.","start_word":5557,"end_word":5621,"sentiment":"positive","sentiment_score":0.4749026298522949},{"text":"Mortgage It's is paid off. Oh, I'm gonna go for a holiday now. We'll buy an investment property. All all that stuff opens up. it sounds really weird.","start_word":5622,"end_word":5649,"sentiment":"neutral","sentiment_score":0.07996964454650879},{"text":"Do you reckon it would be worse?","start_word":5650,"end_word":5656,"sentiment":"negative","sentiment_score":-0.3474258780479431},{"text":"This is probably a bit much. If I was to work out what my percent because my super is obviously off my forty hours, and my forty hours doesn't really change. So if I worked out what board has put in every year, and then I worked at how much I need to salary sacrifice every week, let's say it was a $110, for example, say, is it worth putting a $110 so I meet the threshold and throwing the extra into the offset? So, like, I'm I'm guaranteed to make me maximum $30, but, obviously, the I'm not doing 5% anymore because there's a chance I might go over the top of it. You know? Yeah. It would fluctuate, though, wouldn't it? If you do your overtime, they're gonna pay you super as Or well. no. Because they only pay me super on my forty hours, which is actually thirty six hours a week.","start_word":5657,"end_word":5811,"sentiment":"neutral","sentiment_score":-0.0824885219335556},{"text":"They don't pay me on my overtime. If they have to pay us super on our overtime, then we would be paying fucking $60 a year into our super, it wouldn't be yeah.","start_word":5812,"end_word":5844,"sentiment":"negative","sentiment_score":-0.43277665972709656},{"text":"They have to pay us only forty hours, which sorry. They pay us forty hours a week, and then two hours go to, obviously, our RDAs, and then two hours go to something else. So thirty six hour weeks is what we work. Technically speaking, that's what we're paid for, and that's what they pay us super off. They take it the Yeah. percentage Yeah. of 12 and a half percent off their thirty six hours. So Okay. it doesn't actually fluctuate. The only and the thing too, if I have holidays and sick days and stuff, because I'm still getting paid by a permanent employee, they still take the percentage of that. Because, obviously, you're getting the full day. Yeah. Yeah. So they're always gonna be putting they're always in a in a sense, they always put in the same amount nearly every week. Okay. So it So wouldn't be too hard to work out what they're actually putting in and then what I need to put in. And then throughout the year, if I get a couple $100, I could just put it over and, you know, and stop me 5%. That way, I've got no way of going over the threshold because I don't really wanna pay any more tax or anything on it. Yeah. Well, that means you kinda get the best of both worlds because if they're Yeah. putting in, let's say, 130 is your base on the forty hours, and Yeah. that's Yeah. $15.06 going in, well, Yep. to get to the cap, it's $2.77 a week before tax, Yep. which if you salary sacrifice, it gives you an instant tax deduction in the weekly Yep. pay. That's So you right. put Yeah. in $2.77. It costs you 200 in the pay packet. Yep. So you could potentially do something like that where you put in, say, if if you can confirm that it's, like, $1.30 base and that's what Yeah. the super is coming off at, you put in $2.75, $2.70, $2.50, whatever Yeah. it is Yeah. as a flat amount, and the rest all goes into the offset. That's right.","start_word":5845,"end_word":6202,"sentiment":"neutral","sentiment_score":0.09691898466488502},{"text":"That'd be, I think, the better option because I know for a fact if I just at least the best thing about the super it's not that I don't know how to find it, like, control my money and that, but it's just so easy. Forget. It's just bang straight over. I don't have to think about it every week. It just Yep. goes over. It does its thing. It's earning money behind and on, and then I can just keep concentrating on other stuff.","start_word":6203,"end_word":6287,"sentiment":"positive","sentiment_score":0.4877834916114807},{"text":"That's why I like the whole thing about them having to do it because I don't have to worry about it where I'm not saying I couldn't put the money over every year, but it'd be you know, like, it'd be like, fuck me. I gotta remember to do that now. You know?","start_word":6288,"end_word":6340,"sentiment":"neutral","sentiment_score":0.2665880024433136},{"text":"That's why I like the fact that the salary is sacrificing and that. Yeah. Because this It makes it'll it be a so bit much of a process easier for me.","start_word":6341,"end_word":6371,"sentiment":"positive","sentiment_score":0.43189889192581177},{"text":"Yeah. because we'd be calling you in May saying, hey, mate. Can you put this over in June? Here's a Exactly. form. Fill Yeah. out the claim it. Make sure you give it to your accountant before you do Yeah. your tax return. Like, Yeah. we make it as easy as we can, but it is a tiny bit more of a process. Yeah. 100% it would be. So, like, if you can see if they will do a bit of a splitting, Yeah.","start_word":6372,"end_word":6455,"sentiment":"neutral","sentiment_score":0.10175950825214386},{"text":"that's that's totally cool because I'll in that ask way, them you can tomorrow.","start_word":6456,"end_word":6469,"sentiment":"positive","sentiment_score":0.45143771171569824},{"text":"get both accounts rolling. Yeah. Yeah. Well, my thinking is that the more money I obviously, like I said, the the mortgage is a big thing. But the more money I put into you guys, obviously, the longevity of the game, hence why I jumped ship over to you guys is for the longevity of it. Like, you want the return Yeah. dump. But my theory was with Carl, and that's why I sorta didn't know how to word it was.","start_word":6470,"end_word":6550,"sentiment":"neutral","sentiment_score":0.13218334317207336},{"text":"No point me salary sacrificing in the because they're not really I'm only there for insurance, so they're not really helping me. And that's hence why I jumped over because they weren't helping me. They weren't really benefiting.","start_word":6551,"end_word":6588,"sentiment":"negative","sentiment_score":-0.48528358340263367},{"text":"So I might as well put as maximum as I can in up 24. Yep. Obviously, like, possibly or the max of $15 or whatever, 32, you said, but total. But, yeah, that's what I've that that's where I feel would be better off. You know? And that'll work out really well figures wise because the way I'm looking at it is the this the SGC that they're paying on your wages, that's almost the equivalent of what you're about to salary sacrifice as a flat amount. So it's pretty much an equal Yeah. amount, and it's That's just splitting right. your contributions fifty fifty to two accounts. And then once Yeah. the bus builds up, we can do that little top up rollover Yeah. Yeah. from And that that's side right. as Just well. enough to keep the insurances pushing along Yeah. Cool. while So I worry what about I might losing do, some weight. I'm gonna send you a record of advice, which is basically the same statement of advice you already signed. Just update Yep. it with the plan going forward. I'll put Yep. in there $1.30 base income, usual income between 2, two thirty, and then we'll say from 5% salary sacrifice to a flat amount of about $2.75. Yep. And then if you can maybe get a hold of if you've got that information for the income protection through work Yeah. through the union, sorry. If you want me I can to, I can maybe so we don't have a payroll lady at work, but she's our, like, head admin. Our payroll goes into another section. Maybe I can ask her. She would be able she would know she's got access to it. Do you reckon it's worth asking her what my base yearly income is, like, with just my standard rate, forty hours, where it will take away my tax? She would be able to give me a lump sum of you earn x amount of money, that's your minimum. Because it's obviously not on the payslips anymore because of the overtime. It just sort of calculates everything. Do you reckon it's Right. worth doing that so we get a better because at the moment, like, obviously, we're saying it's a 130, but it might even be a 150 or something. Like, I could be totally wrong here. Yeah. And outside of going back through that's the thing. The overtime is gonna mask it if I go through your old super statements to work it 100 back from percent. your contributions. Yeah. So if Yeah. they can even just give you, like, here's your actual base Yeah. They and should your be gross able to see, income. like, an email payroll. Yep. And then at the same time, if you can be like, hey. The oh, if it's through the union, you have to go separate. But I was just saying, like, a policy schedule or an agreement or something for that Yep. health side of things. Yeah. Yeah. I can keep those on file. And that way, we don't give you the wrong figure recommended. Yeah.","start_word":6589,"end_word":7111,"sentiment":"neutral","sentiment_score":0.02309996023218559},{"text":"That's cool.","start_word":7112,"end_word":7113,"sentiment":"positive","sentiment_score":0.44840341806411743},{"text":"Me. I'll I can I can see him at work tomorrow and get to the bottom of it and try and fix him in five days? Cool. Alright, mate. I'll send you a bit of an email tomorrow with a bit of a recap. And if you can get me Yep. those two, I'll fix Yep. up I'll your try documents and get them as so soon it's as all I can.","start_word":7114,"end_word":7185,"sentiment":"neutral","sentiment_score":0.19590359926223755},{"text":"perfect.","start_word":7186,"end_word":7186,"sentiment":"positive","sentiment_score":0.4804314970970154},{"text":"Outside of that, look, contributions are still going to see us, so we just leave it. If they're Yep. happy to split it off into hub, Yep.","start_word":7187,"end_word":7213,"sentiment":"neutral","sentiment_score":0.2008352428674698},{"text":"that's great. Yep. That just simplifies things a little bit.","start_word":7214,"end_word":7223,"sentiment":"positive","sentiment_score":0.5604839324951172},{"text":"Yeah. I reckon And it's then better if I can do it. Yep. yeah. And we won't have to redirect anything. It'll just be like, hey. This additional bit, can I do it flat over here? Yeah. Yeah. And, yeah, when you email me back, if you can give me that base income, Yeah. possibly I'll the try policy my best. schedule, Yep. and whether they will or won't split the contributions, I'll package it up for you. Yep. No dramas. So do you do you send you don't need me to sign anything until I send you that stuff then? No. Everything's Or you all still pretty need well. me yep. All I think you've already signed the statement of advice originally. I'll good. give Yeah. you an update at one, of course, All good. but No dramas.","start_word":7224,"end_word":7362,"sentiment":"neutral","sentiment_score":0.08990962173548533},{"text":"I think that's pretty well sweet, mate. Everything's rolling as it should be. Alright. Thank you very much, man. I appreciate the call. And thanks for your advice and the help No worries at all.","start_word":7363,"end_word":7397,"sentiment":"positive","sentiment_score":0.6827251315116882},{"text":"And last thing is I'll get that beneficiary submitted tomorrow. too.","start_word":7398,"end_word":7408,"sentiment":"neutral","sentiment_score":0.3169770836830139},{"text":"Thank you very much, man. Awesome. Have a good night, and Well, I'll talk have to a good you soon, day, mate.","start_word":7409,"end_word":7430,"sentiment":"positive","sentiment_score":0.6234408020973206},{"text":"mate.","start_word":7431,"end_word":7431,"sentiment":"neutral","sentiment_score":0.2396717071533203},{"text":"See you, buddy.","start_word":7432,"end_word":7434,"sentiment":"positive","sentiment_score":0.4279661178588867},{"text":"Bye.","start_word":7435,"end_word":7435,"sentiment":"neutral","sentiment_score":0.32201284170150757},{"text":"Cheers.","start_word":7436,"end_word":7436,"sentiment":"positive","sentiment_score":0.5807621479034424},{"text":"Bye.","start_word":7437,"end_word":7437,"sentiment":"neutral","sentiment_score":0.3088268041610718}],"average":{"sentiment":"neutral","sentiment_score":0.07062536853806124}}}}