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Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Wonderful. And, Ryan, I just need you to confirm your client password, please. Correct. Thank you so much for that. I appreciate it. Wonderful. Okay. I note that you've been booked in today for an advice chat due to a tax debt. Yeah. Yeah. Yep. Mhmm. Mhmm. Yeah. Yep. Yep. Okay. We don't deal with tax a tax. No. But I think that we do have a tax partner that we can refer you to. I think in order to get tax debt down, you're gonna need to get an accountant to try and facilitate that for you. I can give you I can find out who that is and give you those details for you to reach out. I would probably look at that before going into debt, like a loan for it. The simple and it look. I don't have any tax accreditation or anything like that, but what you would need to do is do you'd need to conduct your research. So get the information from the broker in relation to what the interest rate's gonna be, etcetera. Get an accountant to engage an accountant to speak with the tax office on your behalf, see if they're gonna charge interest for a repayment plan, compare the interest rates because, really, at the end of the day, you wanna pay as little interest as possible. 98 per month. And that's the tax office? Yep. Okay. And that's in interest, is it, or is that just the reply? Yep. Yep. So my my exposure to this type of stuff is that an accountant's gonna be your best course of action with dealing with the ATO. So what I'll do is I'll reach out to our team and find out who we recommend. And then I would also I would get their advice in relation to going through a broker for the debt because they're they're more equipped to provide advice in relation to tax issues, whereas I have no education or accreditation to do that. I would talk to an accountant. Don't sign up for anything with a broker yet until you've had a chance to talk to the accountant just so you can actually make an informed decision because you don't wanna be tied to something that potentially an accountant could get you a better deal on. So I will send you through I believe they're called QC Accountants is the company or Goldshore yeah. QC. Let me just double check. Q I'll just see where they are. They're in Varsity Lake, so they are on the Gold Coast. I can give you their phone number if you like rather than wait for an email from me. Yeah. Or would you prefer me to put it in an email for you? Yeah. Of course. Yeah. So their phone number is 075593 6060. And you just give them a buzz and let them know what it is that you're needing. Let them know that the team at Oakview Financial has referred you on, and, hopefully, you'll get some traction there economic friendly way. Yeah. I can understand that. Yeah. Yeah. So I I think that yeah. And and also just, you know, ring me tax office and let them know that you're exploring how to get this paid. You know, it is they you you just let them know that you're doing everything you can, and, yeah, you'll let them know ASAP. But an accountant would be best to act on your behalf with the ATO because they know what they're doing and what they're talking about, and they they actually might be able to negotiate something for you. So I would I would definitely go down that path first. Okay? Yes. Okay. Sorry. I can do you want me to just put that in an email for you as well? Alright. Beautiful. I'll send that through to you very shortly in the next ten, fifteen minutes. You're welcome, Ryan. Have a nice afternoon. 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Am I speaking with Ryan? Hi, Ryan. It's Jennifer here from Oakview Financial. How are you today?\n\nI'm good. Thank you. Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Wonderful.\n\nAnd, Ryan, I just need you to confirm your client password, please. Correct. Thank you so much for that. I appreciate it. Wonderful.\n\nOkay. I note that you've been booked in today for an advice chat due to a tax debt. Yeah. Yeah. Yep.\n\nMhmm. Mhmm. Yeah. Yep. Yep.\n\nOkay. We don't deal with tax a tax. No. But I think that we do have a tax partner that we can refer you to. I think in order to get tax debt down, you're gonna need to get an accountant to try and facilitate that for you.\n\nI can give you I can find out who that is and give you those details for you to reach out. I would probably look at that before going into debt, like a loan for it. The simple and it look. I don't have any tax accreditation or anything like that, but what you would need to do is do you'd need to conduct your research. So get the information from the broker in relation to what the interest rate's gonna be, etcetera.\n\nGet an accountant to engage an accountant to speak with the tax office on your behalf, see if they're gonna charge interest for a repayment plan, compare the interest rates because, really, at the end of the day, you wanna pay as little interest as possible. 98 per month. And that's the tax office? Yep. Okay.\n\nAnd that's in interest, is it, or is that just the reply? Yep. Yep. So my my exposure to this type of stuff is that an accountant's gonna be your best course of action with dealing with the ATO. So what I'll do is I'll reach out to our team and find out who we recommend.\n\nAnd then I would also I would get their advice in relation to going through a broker for the debt because they're they're more equipped to provide advice in relation to tax issues, whereas I have no education or accreditation to do that. I would talk to an accountant. Don't sign up for anything with a broker yet until you've had a chance to talk to the accountant just so you can actually make an informed decision because you don't wanna be tied to something that potentially an accountant could get you a better deal on. So I will send you through I believe they're called QC Accountants is the company or Goldshore yeah. QC.\n\nLet me just double check. Q I'll just see where they are. They're in Varsity Lake, so they are on the Gold Coast. I can give you their phone number if you like rather than wait for an email from me. Yeah.\n\nOr would you prefer me to put it in an email for you? Yeah. Of course. Yeah. So their phone number is 075593 6060.\n\nAnd you just give them a buzz and let them know what it is that you're needing. Let them know that the team at Oakview Financial has referred you on, and, hopefully, you'll get some traction there economic friendly way. Yeah. I can understand that. Yeah.\n\nYeah. So I I think that yeah. And and also just, you know, ring me tax office and let them know that you're exploring how to get this paid. You know, it is they you you just let them know that you're doing everything you can, and, yeah, you'll let them know ASAP. But an accountant would be best to act on your behalf with the ATO because they know what they're doing and what they're talking about, and they they actually might be able to negotiate something for you.\n\nSo I would I would definitely go down that path first. Okay? Yes. Okay. Sorry.\n\nI can do you want me to just put that in an email for you as well? Alright. Beautiful. I'll send that through to you very shortly in the next ten, fifteen minutes. You're welcome, Ryan.\n\nHave a nice afternoon. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":2.96,"end":3.36,"sentiment":"neutral","sentiment_score":0.01273384876549244},{"text":"Am I speaking with Ryan?","start":3.36,"end":4.8199997,"sentiment":"neutral","sentiment_score":0.009938887320458889},{"text":"Hi, Ryan.","start":8.0,"end":8.8,"sentiment":"neutral","sentiment_score":0.19895806908607483},{"text":"It's Jennifer here from Oakview Financial.","start":8.8,"end":11.139999,"sentiment":"neutral","sentiment_score":0.18365908662478128},{"text":"How are you today?","start":11.28,"end":12.259999,"sentiment":"neutral","sentiment_score":0.23510686680674553}],"sentiment":"neutral","sentiment_score":0.1390403561397559,"num_words":18,"start":2.96,"end":12.259999},{"sentences":[{"text":"I'm good.","start":14.799999,"end":15.44,"sentiment":"positive","sentiment_score":0.4412798285484314},{"text":"Thank you.","start":15.44,"end":16.995,"sentiment":"positive","sentiment_score":0.5278766453266144},{"text":"Just before I go any 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reply?","start":282.37,"end":285.19,"sentiment":"neutral","sentiment_score":0.013136597195019325},{"text":"Yep.","start":286.61002,"end":287.11002,"sentiment":"neutral","sentiment_score":0.035205453634262085},{"text":"Yep.","start":287.65002,"end":288.15002,"sentiment":"neutral","sentiment_score":0.023834656924009323},{"text":"So my my exposure to this type of stuff is that an accountant's gonna be your best course of action with dealing with the ATO.","start":288.21002,"end":298.245,"sentiment":"neutral","sentiment_score":-0.1128352116048336},{"text":"So what I'll do is I'll reach out to our team and find out who we recommend.","start":301.745,"end":308.21002,"sentiment":"neutral","sentiment_score":0.11221574575585477}],"sentiment":"neutral","sentiment_score":-0.012438095274514385,"num_words":56,"start":282.37,"end":308.21002},{"sentences":[{"text":"And then I would also I would get their advice in relation to going through a broker for the debt because they're they're more equipped to provide advice in relation to tax issues, whereas I have no education or accreditation to do that.","start":310.27002,"end":328.95502,"sentiment":"neutral","sentiment_score":0.0004416059182826863},{"text":"I would talk to an accountant.","start":336.79,"end":338.41,"sentiment":"neutral","sentiment_score":0.013467339798808098},{"text":"Don't sign up for anything with a broker yet until you've had a chance to talk to the accountant just so you can actually make an informed decision because you don't wanna be tied to something that potentially an accountant could get you a better deal on.","start":340.47,"end":354.545,"sentiment":"neutral","sentiment_score":-0.03844302567712804},{"text":"So I will send you through I believe they're called QC Accountants is the company or Goldshore yeah.","start":354.545,"end":365.66998,"sentiment":"neutral","sentiment_score":0.03527115875234207},{"text":"QC.","start":365.72998,"end":366.22998,"sentiment":"neutral","sentiment_score":0.01674552448093891}],"sentiment":"neutral","sentiment_score":-0.009177415056721023,"num_words":115,"start":310.27002,"end":366.22998},{"sentences":[{"text":"Let me just double check.","start":366.37,"end":367.83,"sentiment":"neutral","sentiment_score":0.026000286266207696},{"text":"Q I'll just see where they are.","start":367.88998,"end":370.71,"sentiment":"neutral","sentiment_score":0.022488217002579143},{"text":"They're in Varsity Lake, so they are on the Gold Coast.","start":378.38498,"end":381.04498,"sentiment":"neutral","sentiment_score":0.029959291389042682},{"text":"I can give you their phone number if you like rather than wait for an email from me.","start":384.705,"end":395.14444,"sentiment":"neutral","sentiment_score":0.03035531358586417},{"text":"Yeah.","start":395.14444,"end":395.15332,"sentiment":"neutral","sentiment_score":0.03915543854236603}],"sentiment":"neutral","sentiment_score":0.02863148187420198,"num_words":42,"start":366.37,"end":395.15332},{"sentences":[{"text":"Or would you prefer me to put it in an email for you?","start":395.15332,"end":397.28,"sentiment":"neutral","sentiment_score":0.041548966215207025},{"text":"Yeah.","start":401.66,"end":401.9,"sentiment":"neutral","sentiment_score":0.03934049606323242},{"text":"Of course.","start":401.9,"end":402.46,"sentiment":"neutral","sentiment_score":0.03828274365514517},{"text":"Yeah.","start":402.46,"end":402.825,"sentiment":"neutral","sentiment_score":0.047599248588085175},{"text":"So their phone number is 075593 6060.","start":403.065,"end":411.80502,"sentiment":"neutral","sentiment_score":0.029275190883449147}],"sentiment":"neutral","sentiment_score":0.03785700537264347,"num_words":24,"start":395.15332,"end":411.80502},{"sentences":[{"text":"And you just give them a buzz and let them know what it is that you're needing.","start":415.545,"end":422.48,"sentiment":"neutral","sentiment_score":0.15856584468308618},{"text":"Let them know that the team at Oakview Financial has referred you on, and, hopefully, you'll get some traction there economic friendly way.","start":422.62003,"end":439.895,"sentiment":"neutral","sentiment_score":0.17067685269791147},{"text":"Yeah.","start":464.385,"end":464.865,"sentiment":"neutral","sentiment_score":-0.15548428893089294},{"text":"I can understand that.","start":464.865,"end":466.32498,"sentiment":"neutral","sentiment_score":-0.1948222815990448},{"text":"Yeah.","start":467.10498,"end":467.60498,"sentiment":"neutral","sentiment_score":-0.11094324290752412}],"sentiment":"neutral","sentiment_score":0.12120587637890941,"num_words":46,"start":415.545,"end":467.60498},{"sentences":[{"text":"Yeah.","start":471.33002,"end":471.83002,"sentiment":"neutral","sentiment_score":-0.03414393216371536},{"text":"So I I think that yeah.","start":471.89,"end":477.27002,"sentiment":"neutral","sentiment_score":0.000945127879579862},{"text":"And and also just, you know, ring me tax office and let them know that you're exploring how to get this paid.","start":479.49002,"end":486.95502,"sentiment":"neutral","sentiment_score":0.041927907869897106},{"text":"You know, it is they you you just let them know that you're doing everything you can, and, yeah, you'll let them know ASAP.","start":488.695,"end":497.65002,"sentiment":"neutral","sentiment_score":0.0992376293676595},{"text":"But an accountant would be best to act on your behalf with the ATO because they know what they're doing and what they're talking about, and they they actually might be able to negotiate something for you.","start":497.87003,"end":507.865,"sentiment":"neutral","sentiment_score":0.047121507593908825}],"sentiment":"neutral","sentiment_score":0.05576821882277727,"num_words":90,"start":471.33002,"end":507.865},{"sentences":[{"text":"So I would I would definitely go down that path 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well?","start":522.65,"end":526.19,"sentiment":"neutral","sentiment_score":0.022702719687538987},{"text":"Alright.","start":527.85,"end":528.35,"sentiment":"neutral","sentiment_score":0.26877111196517944},{"text":"Beautiful.","start":528.57,"end":529.05,"sentiment":"positive","sentiment_score":0.4362843632698059},{"text":"I'll send that through to you very shortly in the next ten, fifteen minutes.","start":529.05,"end":533.2909,"sentiment":"neutral","sentiment_score":0.13455283349113806},{"text":"You're welcome, Ryan.","start":535.99084,"end":536.95087,"sentiment":"positive","sentiment_score":0.8032632867495219}],"sentiment":"neutral","sentiment_score":0.14957031219576797,"num_words":36,"start":522.65,"end":536.95087},{"sentences":[{"text":"Have a nice afternoon.","start":536.95087,"end":537.93085,"sentiment":"positive","sentiment_score":0.7557253539562225},{"text":"Bye.","start":539.6709,"end":540.1709,"sentiment":"neutral","sentiment_score":0.16085487604141235}],"sentiment":"positive","sentiment_score":0.6367512583732605,"num_words":5,"start":536.95087,"end":540.1709}]}}]},{"alternatives":[{"transcript":"Hello? Yeah. You are. Yep. Yeah. I'm good. Thanks. How are you? Yep. That's fine. Think think it's Kaya. Yep. Awesome. Yeah. Yeah. So I've I don't I've got a big tax bill, and I it's from years and years ago from when I was subcontracting. I got my tax done by a tax like, she was really good. She helped me out. She got me sort of back on track. And and so she said, like, I was waiting to get my first tax turned back in in a long time, and and it didn't come in, like, in two weeks. So I said to her, I was like, I haven't got that tax return yet. She anyway, she did a bit of digging. She goes, oh, you've got a you've got a tax bill, but they're not they don't want any money. They're just gonna take your tax returns each year. It was, like, $6.5 each year, but the last two years she can't do my tax anymore. So the last two years, I've been going to just to see if you tax and it's only been, like, $1,500 a year. And I think the tax department sort of gone, oh, that's not enough. And I just they've just sent me a thing saying you gotta pay all this, like, now. So I've been on the phone to them and, like, trying to see if I can it's 75,000, but I'm trying to see if I can pay, like, a lump sum of, like, 40 or 50 to try and get it, like, what? Haven't really had any luck yet, but I'm sort of going through a broker. He specializes in tax tax debt loans. I speak with him tomorrow. So I've just thought that he just wants to know what's in my my super, and I don't really know my superannuation fund name because SEBI SEBI is, like, redone it all. Yeah. Do you have any advice at all or who I could speak to to try and get it lowered or, like, do you you do you have any you you probably don't really deal with the tax too much, do you? Yeah. Yeah. Yeah. Oh, yeah. 100%. Like, they're charged there. So they're charging me $2,988 a month at the moment. That's the cash department. Yeah. It's crazy. That's in that's interest. Okay. Yeah. Yeah. Yeah. Yeah. Yeah. Like, talk to the broker? I can. Yep. No. I won't. Yeah. Yeah. Yeah. Yeah. Yeah. Yep. Can you do both? Yep. Yep. Yep. Yep. Yeah. Yeah. Yep. Yeah. So, yeah, I just you know, like, I've the last ten years, I've really like, because I did I stuffed up when I was sort of younger, and so I've really sort of gotten my like, everything on track and in order. And this has popped up, and it's just fucking stressing me. Yeah. I don't yeah. I don't wanna sort of I just wanna yeah. Kinda get it sorted then. But yeah. No worries. I'll get I'll get on to them tomorrow. They're accounting and asking questions. Yeah. Yeah. Yeah. Yeah. Okay. Awesome. Yeah. Okay. So also, what's your speaker phone called? Yes, please. Yeah. Yes, please. Yeah. That's fine. Alright. Okay. Yeah. No worries. Thank you very much for that. Okay. You you too. Bye. 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all this, like, now.","start":116.45,"end":122.229996,"sentiment":"negative","sentiment_score":-0.4451650608988369},{"text":"So I've been on the phone to them and, like, trying to see if I can it's 75,000, but I'm trying to see if I can pay, like, a lump sum of, like, 40 or 50 to try and get it, like, what?","start":123.57,"end":137.755,"sentiment":"neutral","sentiment_score":-0.15916719720807188},{"text":"Haven't really had any luck yet, but I'm sort of going through a broker.","start":139.68001,"end":145.38,"sentiment":"neutral","sentiment_score":-0.2704915830067226}],"sentiment":"neutral","sentiment_score":-0.26599547971378673,"num_words":110,"start":104.195,"end":145.38},{"sentences":[{"text":"He specializes in tax tax debt loans.","start":145.52,"end":150.42,"sentiment":"neutral","sentiment_score":0.03779670436467443},{"text":"I speak with him tomorrow.","start":151.84,"end":153.46,"sentiment":"neutral","sentiment_score":0.020574182271957397},{"text":"So I've just thought that he just wants to know what's in my my super, and I don't really know my superannuation fund name because SEBI SEBI is, like, redone it all.","start":155.165,"end":169.31999,"sentiment":"neutral","sentiment_score":-0.13533818116411567},{"text":"Yeah.","start":170.98,"end":171.48,"sentiment":"neutral","sentiment_score":0.01484118029475212},{"text":"Do you have any advice at all or who I could speak to to try and get it lowered or, like, do you you do you have any you you probably don't really deal with the tax too much, do you?","start":172.18,"end":184.655,"sentiment":"neutral","sentiment_score":-0.0516256026741935}],"sentiment":"neutral","sentiment_score":-0.07052537772891133,"num_words":86,"start":145.52,"end":184.655},{"sentences":[{"text":"Yeah.","start":221.2,"end":221.7,"sentiment":"neutral","sentiment_score":0.054421111941337585},{"text":"Yeah.","start":258.51,"end":259.01,"sentiment":"neutral","sentiment_score":-0.0007392284460365772},{"text":"Yeah.","start":263.205,"end":263.445,"sentiment":"neutral","sentiment_score":-0.05788883566856384},{"text":"Oh, yeah.","start":263.445,"end":264.005,"sentiment":"neutral","sentiment_score":-0.07639457285404205},{"text":"100%.","start":264.005,"end":264.645,"sentiment":"neutral","sentiment_score":-0.07641370594501495}],"sentiment":"neutral","sentiment_score":-0.03890163397106031,"num_words":6,"start":221.2,"end":264.645},{"sentences":[{"text":"Like, they're charged there.","start":264.645,"end":265.925,"sentiment":"neutral","sentiment_score":-0.17146547883749008},{"text":"So they're charging me $2,988 a month at the moment.","start":265.925,"end":272.345,"sentiment":"neutral","sentiment_score":-0.16673805937170982},{"text":"That's the cash department.","start":277.45,"end":278.73,"sentiment":"neutral","sentiment_score":-0.05700586922466755},{"text":"Yeah.","start":278.73,"end":279.13,"sentiment":"neutral","sentiment_score":-0.07053181529045105},{"text":"It's crazy.","start":279.13,"end":280.03,"sentiment":"neutral","sentiment_score":-0.1571790985763073}],"sentiment":"neutral","sentiment_score":-0.14124552373375213,"num_words":21,"start":264.645,"end":280.03},{"sentences":[{"text":"That's in that's interest.","start":284.41,"end":285.87,"sentiment":"neutral","sentiment_score":0.008732984017115086},{"text":"Okay.","start":299.145,"end":299.645,"sentiment":"neutral","sentiment_score":0.022524695843458176},{"text":"Yeah.","start":305.58,"end":306.08,"sentiment":"neutral","sentiment_score":0.13741977512836456},{"text":"Yeah.","start":315.81998,"end":316.31998,"sentiment":"neutral","sentiment_score":0.014826800674200058},{"text":"Yeah.","start":329.225,"end":329.545,"sentiment":"neutral","sentiment_score":0.01423351652920246}],"sentiment":"neutral","sentiment_score":0.0279920905304607,"num_words":8,"start":284.41,"end":329.545},{"sentences":[{"text":"Yeah.","start":329.545,"end":330.045,"sentiment":"neutral","sentiment_score":0.016007568687200546},{"text":"Yeah.","start":331.70502,"end":332.20502,"sentiment":"neutral","sentiment_score":0.013214929960668089},{"text":"Like, talk to the broker?","start":333.86502,"end":335.24503,"sentiment":"neutral","sentiment_score":0.00809176042675972},{"text":"I can.","start":338.87,"end":339.35,"sentiment":"neutral","sentiment_score":0.037902532145380974},{"text":"Yep.","start":339.35,"end":339.85,"sentiment":"neutral","sentiment_score":-0.008729195222258568}],"sentiment":"neutral","sentiment_score":0.013675716985017062,"num_words":10,"start":329.545,"end":339.85},{"sentences":[{"text":"No.","start":343.19,"end":343.50998,"sentiment":"neutral","sentiment_score":-0.16968296468257904},{"text":"I won't.","start":343.50998,"end":344.16998,"sentiment":"neutral","sentiment_score":-0.21123860031366348},{"text":"Yeah.","start":346.38998,"end":346.88998,"sentiment":"neutral","sentiment_score":-0.02099279686808586},{"text":"Yeah.","start":349.59,"end":350.09,"sentiment":"neutral","sentiment_score":-0.04650366306304931},{"text":"Yeah.","start":351.35,"end":351.85,"sentiment":"neutral","sentiment_score":-0.03137442469596863}],"sentiment":"neutral","sentiment_score":-0.1151718416561683,"num_words":6,"start":343.19,"end":351.85},{"sentences":[{"text":"Yeah.","start":381.92502,"end":382.42502,"sentiment":"neutral","sentiment_score":0.04658932238817215},{"text":"Yeah.","start":392.96503,"end":393.46503,"sentiment":"neutral","sentiment_score":0.04788205400109291},{"text":"Yep.","start":394.80502,"end":395.30502,"sentiment":"neutral","sentiment_score":0.04635206609964371},{"text":"Can you do both?","start":399.48,"end":400.94,"sentiment":"neutral","sentiment_score":0.03927591536194086},{"text":"Yep.","start":402.04,"end":402.54,"sentiment":"neutral","sentiment_score":0.039612505584955215}],"sentiment":"neutral","sentiment_score":0.04219245119020343,"num_words":8,"start":381.92502,"end":402.54},{"sentences":[{"text":"Yep.","start":409.0,"end":409.5,"sentiment":"neutral","sentiment_score":0.027178112417459488},{"text":"Yep.","start":412.565,"end":413.065,"sentiment":"neutral","sentiment_score":0.021206239238381382},{"text":"Yep.","start":435.37,"end":435.87,"sentiment":"neutral","sentiment_score":0.08448543399572372},{"text":"Yeah.","start":436.00998,"end":436.50998,"sentiment":"neutral","sentiment_score":0.1419878602027893},{"text":"Yeah.","start":440.44498,"end":440.685,"sentiment":"neutral","sentiment_score":0.10516577214002608}],"sentiment":"neutral","sentiment_score":0.076004683598876,"num_words":5,"start":409.0,"end":440.685},{"sentences":[{"text":"Yep.","start":440.685,"end":441.185,"sentiment":"neutral","sentiment_score":0.07014819979667664},{"text":"Yeah.","start":442.60498,"end":443.00497,"sentiment":"neutral","sentiment_score":0.02570483833551407},{"text":"So, yeah, I just you know, like, I've the last ten years, I've really like, because I did I stuffed up when I was sort of younger, and so I've really sort of gotten my like, everything on track and in order.","start":443.00497,"end":459.25998,"sentiment":"neutral","sentiment_score":-0.16206885643658184},{"text":"And this has popped up, and it's just fucking stressing me.","start":459.31998,"end":462.84,"sentiment":"negative","sentiment_score":-0.44427190856500104},{"text":"Yeah.","start":462.84,"end":463.34,"sentiment":"neutral","sentiment_score":-0.1714586764574051}],"sentiment":"neutral","sentiment_score":-0.21016943933708326,"num_words":56,"start":440.685,"end":463.34},{"sentences":[{"text":"I don't yeah.","start":465.4,"end":466.815,"sentiment":"neutral","sentiment_score":-0.15809961160024008},{"text":"I don't wanna sort of I just wanna yeah.","start":466.815,"end":469.375,"sentiment":"neutral","sentiment_score":-0.1376075405213568},{"text":"Kinda get it sorted then.","start":469.375,"end":470.835,"sentiment":"neutral","sentiment_score":-0.15951277017593385},{"text":"But yeah.","start":471.615,"end":472.095,"sentiment":"neutral","sentiment_score":-0.021710201166570187},{"text":"No worries.","start":472.095,"end":472.91498,"sentiment":"neutral","sentiment_score":-0.011168273165822029}],"sentiment":"neutral","sentiment_score":-0.12267083328749452,"num_words":21,"start":465.4,"end":472.91498},{"sentences":[{"text":"I'll get I'll get on to them tomorrow.","start":473.615,"end":475.63498,"sentiment":"neutral","sentiment_score":0.01969273015856743},{"text":"They're accounting and asking questions.","start":477.535,"end":480.59,"sentiment":"neutral","sentiment_score":0.014660311862826347},{"text":"Yeah.","start":487.61,"end":488.11,"sentiment":"neutral","sentiment_score":0.07065057009458542},{"text":"Yeah.","start":504.045,"end":504.445,"sentiment":"neutral","sentiment_score":0.04852434992790222},{"text":"Yeah.","start":504.445,"end":504.945,"sentiment":"neutral","sentiment_score":0.04353725537657738}],"sentiment":"neutral","sentiment_score":0.02459722349885851,"num_words":16,"start":473.615,"end":504.945},{"sentences":[{"text":"Yeah.","start":508.37,"end":508.77002,"sentiment":"neutral","sentiment_score":0.1046665757894516},{"text":"Okay.","start":508.77002,"end":509.27002,"sentiment":"neutral","sentiment_score":0.27549612522125244},{"text":"Awesome.","start":509.41,"end":509.91,"sentiment":"positive","sentiment_score":0.5301966667175293},{"text":"Yeah.","start":514.69,"end":515.19,"sentiment":"neutral","sentiment_score":0.12250670790672302},{"text":"Okay.","start":517.41003,"end":517.91003,"sentiment":"neutral","sentiment_score":0.05166035518050194}],"sentiment":"neutral","sentiment_score":0.21690528616309165,"num_words":5,"start":508.37,"end":517.91003},{"sentences":[{"text":"So also, what's your speaker phone called?","start":517.97003,"end":520.71,"sentiment":"neutral","sentiment_score":0.024608102227960314},{"text":"Yes, please.","start":524.945,"end":525.845,"sentiment":"neutral","sentiment_score":0.0353377740830183},{"text":"Yeah.","start":525.985,"end":526.225,"sentiment":"neutral","sentiment_score":0.04618387296795845},{"text":"Yes, please.","start":526.225,"end":526.945,"sentiment":"neutral","sentiment_score":0.06730648688971996},{"text":"Yeah.","start":526.945,"end":527.265,"sentiment":"neutral","sentiment_score":0.10975950211286543}],"sentiment":"neutral","sentiment_score":0.04103758558630943,"num_words":13,"start":517.97003,"end":527.265},{"sentences":[{"text":"That's fine.","start":527.265,"end":528.085,"sentiment":"neutral","sentiment_score":0.1770966351032257},{"text":"Alright.","start":529.265,"end":529.765,"sentiment":"neutral","sentiment_score":0.20569971203804016},{"text":"Okay.","start":530.785,"end":531.285,"sentiment":"neutral","sentiment_score":0.13093844056129456},{"text":"Yeah.","start":531.665,"end":532.1609,"sentiment":"neutral","sentiment_score":0.09846772253513336},{"text":"No worries.","start":533.5209,"end":534.1609,"sentiment":"neutral","sentiment_score":0.21987269818782806}],"sentiment":"neutral","sentiment_score":0.17557779167379653,"num_words":7,"start":527.265,"end":534.1609},{"sentences":[{"text":"Thank you very much for that.","start":534.1609,"end":535.70087,"sentiment":"positive","sentiment_score":0.4861601193745931},{"text":"Okay.","start":537.2809,"end":537.7809,"sentiment":"positive","sentiment_score":0.6020643711090088},{"text":"You you too.","start":537.9209,"end":538.7209,"sentiment":"positive","sentiment_score":0.5691947241624197},{"text":"Bye.","start":538.7209,"end":539.2209,"sentiment":"neutral","sentiment_score":0.31220757961273193},{"text":"Okay.","start":540.0809,"end":540.5809,"sentiment":"neutral","sentiment_score":-0.09558014571666718}],"sentiment":"positive","sentiment_score":0.4536030578116576,"num_words":12,"start":534.1609,"end":540.5809}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi. Am I speaking with Ryan?\n\nChannel 1: Yeah. You are. Yep.\n\nChannel 0: Hi, Ryan. It's Jennifer here from Oakview Financial. How are you today?\n\nChannel 1: Yeah. I'm good. Thanks. How are you?\n\nChannel 0: I'm good. Thank you. Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay?\n\nChannel 1: Yep. That's fine.\n\nChannel 0: Wonderful. And, Ryan, I just need you to confirm your client password,\n\nChannel 1: Think think it's Kaya.\n\nChannel 0: please. Correct. Thank you so\n\nChannel 1: Yep.\n\nChannel 0: much for that.\n\nChannel 1: Awesome.\n\nChannel 0: I appreciate it. Wonderful. Okay. I note that you've been booked in today for an advice chat due to a tax\n\nChannel 1: Yeah.\n\nChannel 0: debt.\n\nChannel 1: Yeah. So I've I don't I've got a big tax bill, and I it's from years and years ago from when I was subcontracting. I got my tax done by a tax like, she was really good. She helped me out. She got me sort of back on track.\n\nAnd and so she said, like, I was waiting to get my first tax turned back in in a long time, and\n\nChannel 0: Yeah.\n\nChannel 1: and it didn't come in, like, in two weeks. So I said to her, I was like, I haven't got that tax return yet. She anyway, she did a bit of digging. She goes, oh, you've got a you've got a tax bill, but they're not they don't want any money. They're just gonna take your tax returns each year.\n\nChannel 0: Yeah.\n\nChannel 1: It was, like, $6.5 each year, but the last two years she can't do my tax anymore. So the last two years, I've been going to just to see if you tax and it's only been, like, $1,500 a year. And I think the tax department sort of gone, oh, that's not enough. And I just they've just sent me a thing saying you gotta pay all this, like, now.\n\nChannel 0: Yep.\n\nChannel 1: So I've been on the phone to them and, like, trying to see if I can it's 75,000, but I'm trying to see if I can pay, like, a lump sum of, like, 40 or 50 to try and get it, like, what?\n\nChannel 0: Mhmm. Mhmm.\n\nChannel 1: Haven't really had any luck yet, but I'm sort of going through a broker.\n\nChannel 0: Yeah.\n\nChannel 1: He specializes in tax tax debt loans. I speak with him tomorrow. So I've just thought that he just wants to know what's in my my super, and I don't really know my superannuation fund name because SEBI\n\nChannel 0: Yep.\n\nChannel 1: SEBI\n\nChannel 0: Yep.\n\nChannel 1: is, like, redone it all. Yeah.\n\nChannel 0: Okay.\n\nChannel 1: Do you have any advice at all or who I could speak to to try and get it lowered or, like, do you you do you have any you you probably don't really deal with the tax too much, do you?\n\nChannel 0: We don't deal with tax a tax. No. But I think that we do have a tax partner that we can refer you to. I think in order to get tax debt down, you're gonna need to get an accountant to try and facilitate that for you. I can give you I can find out who that is and give you those details for you to reach out.\n\nI would probably look at that before going into debt, like a loan for it.\n\nChannel 1: Yeah.\n\nChannel 0: The simple and it look. I don't have any tax accreditation or anything like that, but what you would need to do is do you'd need to conduct your research. So get the information from the broker in relation to what the interest rate's gonna be, etcetera. Get an accountant to engage an accountant to speak with the tax office on your behalf, see if they're gonna charge interest for a repayment plan, compare the interest rates because, really,\n\nChannel 1: Yeah.\n\nChannel 0: at the end of the day, you wanna pay as little interest as possible.\n\nChannel 1: Yeah. Oh, yeah. 100%. Like, they're charged there. So they're charging me $2,988 a month at the moment.\n\nChannel 0: 98 per month. And that's the tax\n\nChannel 1: That's\n\nChannel 0: office?\n\nChannel 1: the cash department. Yeah. It's crazy.\n\nChannel 0: Yep. Okay. And that's in interest, is it, or is that just\n\nChannel 1: That's\n\nChannel 0: the reply?\n\nChannel 1: in that's interest.\n\nChannel 0: Yep. Yep. So my my exposure to this type of stuff is that an accountant's gonna be your best course of action with dealing with the ATO.\n\nChannel 1: Okay.\n\nChannel 0: So what I'll do is I'll reach out to our team\n\nChannel 1: Yeah.\n\nChannel 0: and find out who we recommend. And then I would also I would get their advice in relation\n\nChannel 1: Yeah.\n\nChannel 0: to going through a broker for the debt because they're they're more equipped to provide advice in relation to tax issues, whereas I have no education or accreditation to do that.\n\nChannel 1: Yeah. Yeah. Yeah. Like, talk to the broker?\n\nChannel 0: I would talk to an accountant.\n\nChannel 1: I can. Yep.\n\nChannel 0: Don't sign up for anything with a broker yet until\n\nChannel 1: No. I\n\nChannel 0: you've\n\nChannel 1: won't.\n\nChannel 0: had a chance to talk to the accountant just\n\nChannel 1: Yeah.\n\nChannel 0: so you can actually make an informed decision because you don't wanna be\n\nChannel 1: Yeah.\n\nChannel 0: tied to something that\n\nChannel 1: Yeah.\n\nChannel 0: potentially an accountant could get you a better deal on. So I will send you through I believe they're called QC Accountants is the company or Goldshore yeah. QC. Let me just double check. Q I'll just see where they are.\n\nThey're in Varsity Lake, so they are on the Gold Coast.\n\nChannel 1: Yeah.\n\nChannel 0: I can give you their phone number if you like rather than wait\n\nChannel 1: Yeah. Yep.\n\nChannel 0: for an email from me. Yeah. Or would you prefer me to put it in an email for you?\n\nChannel 1: Can you do both?\n\nChannel 0: Yeah. Of\n\nChannel 1: Yep.\n\nChannel 0: course. Yeah. So their phone number is 075593\n\nChannel 1: Yep.\n\nChannel 0: 6060.\n\nChannel 1: Yep.\n\nChannel 0: And you just give them a buzz and let them know what it is that you're needing. Let them know that the team at Oakview Financial has referred you on, and, hopefully, you'll get some traction there\n\nChannel 1: Yep. Yeah.\n\nChannel 0: economic friendly way.\n\nChannel 1: Yeah. Yep. Yeah. So, yeah, I just you know, like, I've the last ten years, I've really like, because I did I stuffed up when I was sort of younger, and so I've really sort of gotten my like, everything on track and in order. And this has popped up, and it's just fucking stressing me.\n\nYeah.\n\nChannel 0: Yeah. I can understand\n\nChannel 1: I don't\n\nChannel 0: that.\n\nChannel 1: yeah. I don't\n\nChannel 0: Yeah.\n\nChannel 1: wanna sort of I just wanna yeah. Kinda get it sorted then.\n\nChannel 0: Yeah.\n\nChannel 1: But yeah.\n\nChannel 0: So\n\nChannel 1: No\n\nChannel 0: I\n\nChannel 1: worries. I'll\n\nChannel 0: I think\n\nChannel 1: get I'll\n\nChannel 0: that\n\nChannel 1: get on to them tomorrow.\n\nChannel 0: yeah.\n\nChannel 1: They're accounting and\n\nChannel 0: And\n\nChannel 1: asking questions.\n\nChannel 0: and also just, you know, ring me tax office and let them know that you're exploring how to get this paid.\n\nChannel 1: Yeah.\n\nChannel 0: You know, it is they you you just let them know that you're doing everything you can, and, yeah, you'll let them know ASAP. But an accountant would be best to act on your behalf with the ATO because they know what they're doing and what they're talking about,\n\nChannel 1: Yeah.\n\nChannel 0: and\n\nChannel 1: Yeah.\n\nChannel 0: they they actually might be able to negotiate something for you. So\n\nChannel 1: Yeah. Okay. Awesome.\n\nChannel 0: I would I would definitely go down that path first.\n\nChannel 1: Yeah.\n\nChannel 0: Okay?\n\nChannel 1: Okay. So also, what's your speaker phone called?\n\nChannel 0: Yes. Okay. Sorry. I can do you want me to just put that in an email\n\nChannel 1: Yes,\n\nChannel 0: for\n\nChannel 1: please.\n\nChannel 0: you as well?\n\nChannel 1: Yeah. Yes, please. Yeah. That's fine.\n\nChannel 0: Alright. Beautiful. I'll send\n\nChannel 1: Alright.\n\nChannel 0: that through to you very\n\nChannel 1: Okay.\n\nChannel 0: shortly in the next\n\nChannel 1: Yeah.\n\nChannel 0: ten, fifteen minutes.\n\nChannel 1: No worries. Thank you very much for that.\n\nChannel 0: You're welcome, Ryan. Have a nice\n\nChannel 1: Okay.\n\nChannel 0: afternoon.\n\nChannel 1: You you too. Bye.\n\nChannel 0: Bye.\n\nChannel 1: Okay.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.1999999,"end":1.6999999,"sentiment":"neutral","sentiment_score":0.009870419278740885}],"sentiment":"neutral","sentiment_score":0.009870419278740885,"channel":1,"num_words":1,"start":1.1999999,"end":1.6999999},{"sentences":[{"text":"Hi.","start":2.96,"end":3.36,"sentiment":"neutral","sentiment_score":0.01273384876549244},{"text":"Am I speaking with Ryan?","start":3.36,"end":4.8199997,"sentiment":"neutral","sentiment_score":0.009938887320458889}],"sentiment":"neutral","sentiment_score":0.010404714227964481,"channel":0,"num_words":6,"start":2.96,"end":4.8199997},{"sentences":[{"text":"Yeah.","start":5.3599997,"end":5.68,"sentiment":"neutral","sentiment_score":0.04208901524543762},{"text":"You are.","start":5.68,"end":6.08,"sentiment":"neutral","sentiment_score":0.08002127707004547},{"text":"Yep.","start":6.08,"end":6.58,"sentiment":"neutral","sentiment_score":0.0929260477423668}],"sentiment":"neutral","sentiment_score":0.07376440428197384,"channel":1,"num_words":4,"start":5.3599997,"end":6.58},{"sentences":[{"text":"Hi, Ryan.","start":8.0,"end":8.8,"sentiment":"neutral","sentiment_score":0.19895806908607483},{"text":"It's Jennifer here from Oakview Financial.","start":8.8,"end":11.139999,"sentiment":"neutral","sentiment_score":0.18365908662478128},{"text":"How are you today?","start":11.28,"end":12.259999,"sentiment":"neutral","sentiment_score":0.23510686680674553}],"sentiment":"neutral","sentiment_score":0.20335817709565163,"channel":0,"num_words":12,"start":8.0,"end":12.259999},{"sentences":[{"text":"Yeah.","start":12.32,"end":12.719999,"sentiment":"neutral","sentiment_score":0.2713624835014343},{"text":"I'm 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fine.","start":527.265,"end":528.085,"sentiment":"neutral","sentiment_score":0.1770966351032257}],"sentiment":"neutral","sentiment_score":0.10745826984445254,"channel":1,"num_words":6,"start":525.985,"end":528.085},{"sentences":[{"text":"Alright.","start":527.85,"end":528.35,"sentiment":"neutral","sentiment_score":0.26877111196517944},{"text":"Beautiful.","start":528.57,"end":529.05,"sentiment":"positive","sentiment_score":0.4362843632698059},{"text":"I'll send","start":529.05,"end":529.45,"sentiment":"neutral","sentiment_score":0.24612411856651306}],"sentiment":"neutral","sentiment_score":0.29932592809200287,"channel":0,"num_words":4,"start":527.85,"end":529.45},{"sentences":[{"text":"Alright.","start":529.265,"end":529.765,"sentiment":"neutral","sentiment_score":0.20569971203804016}],"sentiment":"neutral","sentiment_score":0.20569971203804016,"channel":1,"num_words":1,"start":529.265,"end":529.765},{"sentences":[{"text":"that through to you very","start":529.45,"end":530.87085,"sentiment":"neutral","sentiment_score":0.15784162282943726}],"sentiment":"neutral","sentiment_score":0.15784162282943726,"channel":0,"num_words":5,"start":529.45,"end":530.87085},{"sentences":[{"text":"Okay.","start":530.785,"end":531.285,"sentiment":"neutral","sentiment_score":0.13093844056129456}],"sentiment":"neutral","sentiment_score":0.13093844056129456,"channel":1,"num_words":1,"start":530.785,"end":531.285},{"sentences":[{"text":"shortly in the next","start":530.87085,"end":531.93085,"sentiment":"neutral","sentiment_score":0.07789270672947168}],"sentiment":"neutral","sentiment_score":0.07789270672947168,"channel":0,"num_words":4,"start":530.87085,"end":531.93085},{"sentences":[{"text":"Yeah.","start":531.665,"end":532.1609,"sentiment":"neutral","sentiment_score":0.09846772253513336}],"sentiment":"neutral","sentiment_score":0.09846772253513336,"channel":1,"num_words":1,"start":531.665,"end":532.1609},{"sentences":[{"text":"ten, fifteen minutes.","start":532.1509,"end":533.2909,"sentiment":"neutral","sentiment_score":0.09690416355927785}],"sentiment":"neutral","sentiment_score":0.09690416355927785,"channel":0,"num_words":3,"start":532.1509,"end":533.2909},{"sentences":[{"text":"No worries.","start":533.5209,"end":534.1609,"sentiment":"neutral","sentiment_score":0.21987269818782806},{"text":"Thank you very much for that.","start":534.1609,"end":535.70087,"sentiment":"positive","sentiment_score":0.4861601193745931}],"sentiment":"positive","sentiment_score":0.41958826407790184,"channel":1,"num_words":8,"start":533.5209,"end":535.70087},{"sentences":[{"text":"You're welcome, Ryan.","start":535.99084,"end":536.95087,"sentiment":"positive","sentiment_score":0.8032632867495219},{"text":"Have a nice","start":536.95087,"end":537.43085,"sentiment":"positive","sentiment_score":0.8092957337697347}],"sentiment":"positive","sentiment_score":0.8062795102596283,"channel":0,"num_words":6,"start":535.99084,"end":537.43085},{"sentences":[{"text":"Okay.","start":537.2809,"end":537.7809,"sentiment":"positive","sentiment_score":0.6020643711090088}],"sentiment":"positive","sentiment_score":0.6020643711090088,"channel":1,"num_words":1,"start":537.2809,"end":537.7809},{"sentences":[{"text":"afternoon.","start":537.43085,"end":537.93085,"sentiment":"positive","sentiment_score":0.595014214515686}],"sentiment":"positive","sentiment_score":0.595014214515686,"channel":0,"num_words":1,"start":537.43085,"end":537.93085},{"sentences":[{"text":"You you too.","start":537.9209,"end":538.7209,"sentiment":"positive","sentiment_score":0.5691947241624197},{"text":"Bye.","start":538.7209,"end":539.2209,"sentiment":"neutral","sentiment_score":0.31220757961273193}],"sentiment":"positive","sentiment_score":0.5049479380249977,"channel":1,"num_words":4,"start":537.9209,"end":539.2209},{"sentences":[{"text":"Bye.","start":539.6709,"end":540.1709,"sentiment":"neutral","sentiment_score":0.16085487604141235}],"sentiment":"neutral","sentiment_score":0.16085487604141235,"channel":0,"num_words":1,"start":539.6709,"end":540.1709},{"sentences":[{"text":"Okay.","start":540.0809,"end":540.5809,"sentiment":"neutral","sentiment_score":-0.09558014571666718}],"sentiment":"neutral","sentiment_score":-0.09558014571666718,"channel":1,"num_words":1,"start":540.0809,"end":540.5809}]},"summary":{"result":"success","short":"A representative from Oakview Financial contacts Ryan to confirm his client password and discuss his tax debt, but Ryan is unsure of his account number. He is suggested getting an accountant to help him settle his debt and is advised to research interest rates before going into debt. The customer is considering reaching out to a broker for advice on settling their debt and is advised to get an accountant for tax issues. The agent provides the customer with contact information for a representative named QC Accountants in the Gold Coast area and advises them to let the accounting team know about their options for settling their debt. The customer agrees to send an email with their speaker phone number and is given the contact information for a representative named QC Accountants in the Gold Coast area."},"intents":{"segments":[{"text":"Do you have any advice at all or who I could speak to to try and get it lowered or, like, do you you do you have any you you probably don't really deal with the tax too much, do you?","start_word":424,"end_word":464,"intents":[{"intent":"Request loan details","confidence_score":0.0000067686233}]},{"text":"So my my exposure to this type of stuff is that an accountant's gonna be your best course of action with dealing with the ATO. Okay. So what I'll do is I'll reach out to our team Yeah. and find out who we recommend. And then I would also I would get their advice in relation Yeah.","start_word":696,"end_word":752,"intents":[{"intent":"Recommend","confidence_score":0.03654091}]},{"text":"So what I'll do is I'll reach out to our team Yeah.","start_word":722,"end_word":733,"intents":[{"intent":"Reach out","confidence_score":0.0106497}]},{"text":"So what I'll do is I'll reach out to our team Yeah. and find out who we recommend. And then I would also I would get their advice in relation Yeah.","start_word":722,"end_word":752,"intents":[{"intent":"Get referral","confidence_score":0.0033726199}]},{"text":"and find out who we recommend. And then I would also I would get their advice in relation Yeah.","start_word":734,"end_word":752,"intents":[{"intent":"Get advice","confidence_score":0.35503286}]},{"text":"I would talk to an accountant.","start_word":792,"end_word":797,"intents":[{"intent":"Discuss with broker","confidence_score":0.004740952}]},{"text":"so you can actually make an informed decision because you don't wanna be Yeah.","start_word":825,"end_word":838,"intents":[{"intent":"Make informed decision","confidence_score":0.14650819}]},{"text":"I can give you their phone number if you like rather than wait Yeah.","start_word":897,"end_word":910,"intents":[{"intent":"Provide phone number","confidence_score":0.11458908}]},{"text":"for an email from me. Yeah. Or would you prefer me to put it in an email for you? Can you do both? Yeah.","start_word":912,"end_word":935,"intents":[{"intent":"Send email","confidence_score":0.07286342},{"intent":"Request email","confidence_score":0.054490138}]},{"text":"Yeah. economic friendly way. Yeah. Yep. Yeah. So, yeah, I just you know, like, I've the last ten years, I've really like, because I did I stuffed up when I was sort of younger, and so I've really sort of gotten my like, everything on track and in order. And this has popped up, and it's just fucking stressing me. Yeah.","start_word":987,"end_word":1047,"intents":[{"intent":"Address financial concerns","confidence_score":0.0022503051}]}]},"sentiments":{"segments":[{"text":"Hello? Hi. Am I speaking with Ryan? Yeah. You are. Yep. Hi, Ryan. It's Jennifer here from Oakview Financial. How are you today? Yeah.","start_word":0,"end_word":23,"sentiment":"neutral","sentiment_score":0.12981262803077698},{"text":"I'm good. Thanks. How are you? I'm good. Thank you.","start_word":24,"end_word":33,"sentiment":"positive","sentiment_score":0.46295809745788574},{"text":"Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Yep. That's fine.","start_word":34,"end_word":62,"sentiment":"neutral","sentiment_score":0.06618478149175644},{"text":"Wonderful.","start_word":63,"end_word":63,"sentiment":"positive","sentiment_score":0.42796868085861206},{"text":"And, Ryan, I just need you to confirm your client password, Think think it's Kaya. please. Correct.","start_word":64,"end_word":80,"sentiment":"neutral","sentiment_score":0.0705762505531311},{"text":"Thank you so Yep. much for that. Awesome. I appreciate it. Wonderful.","start_word":81,"end_word":92,"sentiment":"positive","sentiment_score":0.5538350939750671},{"text":"Okay. I note that you've been booked in today for an advice chat due to a tax Yeah. debt. Yeah. So I've I don't I've got a big tax bill, and I it's from years and years ago from when I was subcontracting. I got my tax done by a tax like, she was really good.","start_word":93,"end_word":148,"sentiment":"neutral","sentiment_score":0.001464364351704717},{"text":"She helped me out.","start_word":149,"end_word":152,"sentiment":"positive","sentiment_score":0.43082666397094727},{"text":"She got me sort of back on track. And and so she said, like, I was waiting to get my first tax turned back in in a long time, Yeah. and and it didn't come in, like, in two weeks. So I said to her, I was like, I haven't got that tax return yet. She anyway, she did a bit of digging. She goes, oh, you've got a you've got a tax bill, but they're not they don't want any money. They're just gonna take your tax returns each year. Yeah. It was, like, $6.5 each year, but the last two years she can't do my tax anymore. So the last two years, I've been going to just to see if you tax and it's only been, like, $1,500 a year.","start_word":153,"end_word":284,"sentiment":"neutral","sentiment_score":-0.13709551095962524},{"text":"And I think the tax department sort of gone, oh, that's not enough. And I just they've just sent me a thing saying you gotta pay all this, like, now.","start_word":285,"end_word":314,"sentiment":"negative","sentiment_score":-0.4533068468173345},{"text":"Yep. So I've been on the phone to them and, like, trying to see if I can it's 75,000, but I'm trying to see if I can pay, like, a lump sum of, like, 40 or 50 to try and get it, like, what? Mhmm. Mhmm. Haven't really had any luck yet, but I'm sort of going through a broker. Yeah. He specializes in tax tax debt loans. I speak with him tomorrow. So I've just thought that he just wants to know what's in my my super, and I don't really know my superannuation fund name because SEBI Yep. SEBI Yep. is, like, redone it all. Yeah. Okay. Do you have any advice at all or who I could speak to to try and get it lowered or, like, do you you do you have any you you probably don't really deal with the tax too much, do you? We don't deal with tax a tax. No. But I think that we do have a tax partner that we can refer you to. I think in order to get tax debt down, you're gonna need to get an accountant to try and facilitate that for you. I can give you I can find out who that is and give you those details for you to reach out. I would probably look at that before going into debt, like a loan for it. Yeah. The simple and it look. I don't have any tax accreditation or anything like that, but what you would need to do is do you'd need to conduct your research. So get the information from the broker in relation to what the interest rate's gonna be, etcetera. Get an accountant to engage an accountant to speak with the tax office on your behalf, see if they're gonna charge interest for a repayment plan, compare the interest rates because, really, Yeah. at the end of the day, you wanna pay as little interest as possible. Yeah. Oh, yeah. 100%. Like, they're charged there. So they're charging me $2,988 a month at the moment. 98 per month. And that's the tax That's office? the cash department. Yeah. It's crazy. Yep. Okay. And that's in interest, is it, or is that just That's the reply? in that's interest. Yep. Yep. So my my exposure to this type of stuff is that an accountant's gonna be your best course of action with dealing with the ATO. Okay. So what I'll do is I'll reach out to our team Yeah. and find out who we recommend. And then I would also I would get their advice in relation Yeah. to going through a broker for the debt because they're they're more equipped to provide advice in relation to tax issues, whereas I have no education or accreditation to do that. Yeah. Yeah. Yeah. Like, talk to the broker? I would talk to an accountant. I can. Yep. Don't sign up for anything with a broker yet until No. I you've won't. had a chance to talk to the accountant just Yeah. so you can actually make an informed decision because you don't wanna be Yeah. tied to something that Yeah. potentially an accountant could get you a better deal on. So I will send you through I believe they're called QC Accountants is the company or Goldshore yeah. QC. Let me just double check. Q I'll just see where they are. They're in Varsity Lake, so they are on the Gold Coast. Yeah. I can give you their phone number if you like rather than wait Yeah. Yep. for an email from me. Yeah. Or would you prefer me to put it in an email for you? Can you do both? Yeah. Of Yep. course. Yeah. So their phone number is 075593 Yep. 6060. Yep. And you just give them a buzz and let them know what it is that you're needing. Let them know that the team at Oakview Financial has referred you on, and, hopefully, you'll get some traction there Yep. Yeah. economic friendly way. Yeah. Yep. Yeah. So, yeah, I just you know, like, I've the last ten years, I've really like, because I did I stuffed up when I was sort of younger, and so I've really sort of gotten my like, everything on track and in order.","start_word":315,"end_word":1035,"sentiment":"neutral","sentiment_score":-0.02685861527014281},{"text":"And this has popped up, and it's just fucking stressing me.","start_word":1036,"end_word":1046,"sentiment":"negative","sentiment_score":-0.46042948961257935},{"text":"Yeah. Yeah. I can understand I don't that. yeah. I don't Yeah. wanna sort of I just wanna yeah. Kinda get it sorted then. Yeah. But yeah. So No I worries. I'll I think get I'll that get on to them tomorrow. yeah. They're accounting and And asking questions. and also just, you know, ring me tax office and let them know that you're exploring how to get this paid. Yeah. You know, it is they you you just let them know that you're doing everything you can, and, yeah, you'll let them know ASAP. But an accountant would be best to act on your behalf with the ATO because they know what they're doing and what they're talking about, Yeah. and Yeah. they they actually might be able to negotiate something for you. So Yeah. Okay.","start_word":1047,"end_word":1183,"sentiment":"neutral","sentiment_score":0.010538081638514996},{"text":"Awesome. I would I would definitely go down that path first.","start_word":1184,"end_word":1194,"sentiment":"positive","sentiment_score":0.5020487904548645},{"text":"Yeah. Okay? Okay. So also, what's your speaker phone called? Yes. Okay. Sorry. I can do you want me to just put that in an email Yes, for please. you as well? Yeah. Yes, please. Yeah. That's fine. Alright.","start_word":1195,"end_word":1233,"sentiment":"neutral","sentiment_score":0.0606570690870285},{"text":"Beautiful.","start_word":1234,"end_word":1234,"sentiment":"positive","sentiment_score":0.4362843632698059},{"text":"I'll send Alright. that through to you very Okay. shortly in the next Yeah. ten, fifteen minutes. No worries.","start_word":1235,"end_word":1253,"sentiment":"neutral","sentiment_score":0.15289023518562317},{"text":"Thank you very much for that. You're welcome, Ryan. Have a nice Okay. afternoon. You you too.","start_word":1254,"end_word":1270,"sentiment":"positive","sentiment_score":0.6543303061934078},{"text":"Bye. Bye. Okay.","start_word":1271,"end_word":1273,"sentiment":"neutral","sentiment_score":0.20769286155700684}],"average":{"sentiment":"neutral","sentiment_score":-0.007827180519438627}}}}