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I had you booked in this afternoon just to have a bit of a conversation around your contributions. Is now still a good time here for you? Fantastic. Before we jump into the call there, Christie, I do need to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic. And, also, just to do security there with you as well, I just need to confirm your full name, your date of birth, and address I should have on file. Yes. Yes. Lovely. Beautiful. Thank you so much for that. And how's your day been so far? Are you nearly done for the day, or you still got a bit longer to go? Absolutely. Yes. Absolutely. Because you're self employed, and you've set yourself up as a company now. Is that right? Yeah. Yes. Yeah. Fantastic. Benefits. Yeah. Absolutely. Well, congratulations on growing your business. That is fantastic. It's a good problem to have, isn't it? Oh, good. No. You're too good. Oh, good. Yeah. Yes. Yeah. Okay. Yes. Mhmm. Right. Okay. Okay. Yeah. Okay. Yeah. That that's okay. Not a problem at all. So, realistically, today, I can only give you general advice. But, essentially, you've got one or two ways you can make the contribution. Now you're set up as a company. So, realistically, as an employer of your company, your company can make super contributions on your behalf. You can essentially do it one of two ways. You can make the contribution as a salary sacrifice contribution through your company, where they just pay into your super the same way a normal employer would. The cap for this financial year is 30,000. So because you've currently made or currently had $4,815.20 put in there, it does leave for this financial year an approximate cap of just over 25,000 available to you. Uh-huh. How much are you wanting to put into the super fund at the moment? Do you have a set amount you've been thinking about contributing? Or Mhmm. Well, if you're just wanting to do it as, like, a salary sacrifice contribution or a contribution from your company, they would put it in as an employer contribution. So it would go through the SuperStream system as if you were working for any other employer there. You can make the contribution direct out of your bank account and make it as a deductible contribution as a lump sum. And if you decide to do it that way, we just need to claim a notice of intent. And if you make a deductible contribution, it comes direct to your bank account. We claim a notice of intent against that one, and the contribution you put into super can be claimed as a tax deduction for you. Mhmm. Yeah. Yeah. Yeah. Look. I would probably you'd probably be best to speak to your accountant to make sure that's viable for you. Your accountant's probably gonna be able to give you a little bit more on the way of the tax information that you're after. But, essentially, if it's your company, you're able to have that contribution made from your company to your super. It's not a problem at all. The main thing to be mindful of is that once that money goes into super, you actually can't take it back out or access it. So just being careful. You're not contributing more than you're comfortable putting into super knowing you can't then take it back out again, making sure that you're not over over, you know, over contributing. Yeah. Correct. Correct. But, realistically, you're the employee of your company, so there's nothing wrong with actually making the contribution from the company there. It would just be essentially set up as an employer contribution. So your company is putting that money into super you're the employer. With the way your structure is, if you're set up as a company, realistically, each year, you are supposed to receive contributions from the company as well. So your company is supposed to pay employee employee contributions or employer FTC contributions essentially to your super fund for you because as much as it's your company, you are still an employee of the company. So it is something that definitely needs to be taken into account, and I'm sure your accountant is well versed in making sure that that does happen for you. The so that's one way of making the contribution. The other way is if you wanna maximize the cap out, you can do it, as I said, as a deductible contribution, which can be a little bit more beneficial on the tax side of things, making a contribution from your bank account to your super fund as a lump sum one off contribution. The whole amount does get invested at the one time into super, and then we can claim that notice of intent for you. The notice of intent means the tax is taken out of that contribution inside the super system, and then you essentially says, like, say, if you made a $10,000 contribution, the the 15% tax is to take taken out of that, 10,000 for you, and then you get a letter to say that's all being completed. And then that $10,000, your accountant can then, have that, you know, deducted from your taxable income. So having making it as a deductible contribution can be a little bit more more of a tax advantage for you, but at the same time, making having it done in sort of different ways. If you do it as a deductible contribution from your bank account, it's more a deduction for yourself. You'd need to speak to your accountant to make sure that it's gonna be okay to do it out of your company account to make sure that your company is okay with that. Otherwise, you can make it sorry. You're at Yeah. Right. Okay. Yeah. Right. Yes. Yeah. Yeah. That is correct. Yeah. Yeah. Until you meet a condition of release. So at the moment, the condition is of release that you turn 60 and retire or if you continue working age 65 there. Yeah. No. Age 60. Yeah. So under your current, like essentially, it all sort of works on date of birth, but under the current eligibility or preservation age is what they call it, you can actually retire at 60 if you decide to stop working and fully retire. If you continue working past age 60 and you get to age 65, then they make it if even if you're working at age 65, they make your super completely unpreserved, non restricted so you can access it regardless of work whether your working status is 65. And age 60 seven is the age you can apply for the age pension through Centrelink if you're eligible. Yeah. Did you think you had to work to 65? Yeah. Well, I hope I've given you some good news. You could look at age 60 if you would like to there, Christie. Yes. Yes. You're 50 three this year? That's correct. Yeah. Yep. Unfortunately, that's the earliest we can do. Yeah. If you wanna if you had investments outside of Super or building your business to a point where you no longer had to physically work in it and other people could do it for you, then you'd be able to find ways to access the to be able to start working. But the earliest you can access through for the moment is age 60. That's okay. Mhmm. Yep. Yeah. Yeah. Yes. Yeah. Absolutely. Yes. Well, the the difference is making the deductible contribution for yourself. Like, as I said, if you were to put 10,000 into super there, that 10,000 goes into super. We claim that notice of intent, and the super fund takes a 58% tax. So the 15 percent tax doesn't change in any way, shape, or form. The main difference is that by making that deductible contribution, that 10,000 you've put in the super at tax time when you do your tax return, you can then go back to your accountant and say, I've put 10,000 in the super, and you wanna claim that 10,000 as a tax deduction. You then claim that full 10,000 back on your tax return as a tax deduction there. With putting the money through, like, as an employer contribution or as an employee contribution through your company, that money goes through. There's no real tax advantage to you. Your your accountant should be able to claim you as an employee and the money that that is put into super your business or your company can claim, but you can't claim that personally because you're the employee of the company. But your accountant would be able to work that out a lot better for you. Yeah. Yeah. It's a little bit different. That's okay. It's a little bit different either way, but are you do you know which way you wanna go with it? Are you wanting to Yep. Yes. No. Yeah. Yeah. And, realistically, you've been working. Yeah. And, realistically, you've been working as a sole trader for the last year and and working for other people, so your marginal tax rate might be certainly higher. Yeah. Yeah. Yeah. Most people do look at the yeah. Most people do look at the deductible for that reason to make it easier. Yeah. Yep. That's okay. That's alright. Did you want did you want some did you want me to email you or or did you wanna let us know once you've made that contribution to Super? Or do you need us to give you the details of how to make that contribution as a deductible contribution? How where to transfer the money to or how to transfer the money to a deductible contribution? How where to transfer the money to or how to transfer the money to Super? Yep. Beautiful. What I'll do is I'll send you an email after the call if you like. It'll just give you a rundown on what the the deductible contribution is just relaying kind of what we've kinda gone through there. It'll have just a snippet of the bank account details for your super fund. If you decide you wanna make that as a deductible contribution, they realistically need to be in before the twentieth of this month. So trying to make that as soon as possible. No. Well, it needs to be in there before the thirtieth of this month. But, realistically, once the money goes into the super fund, your super fund has to receive it and then also, you know, move that money around or allocate it correctly. And it can take the super funds a bit of time to do that. So it's not an automatic system. They actually receive the money and then have to allocate it to the right part of your account and cross check a few things. So we like to sort of suggest try and have it in there no later than the twentieth of of this month. That way, it's in there with ten days to spare to make sure that it gets allocated correctly. Just because you do find there is a lot of people who are trying to make contributions before the end of the financial year, and there are a lot of people transferring the last two or three days, it's very easy for things to get missed or for the super fund team to forget or not allocated or just missed that. So it just gives that a little extra leniency, just making sure that you're covering your bases but with enough time for the super fund to do everything they need to do. Okay? Yep. Excellent. I'll send you I'll send you an email shortly. That's okay. Just sort of outlining that deductible. It'll have the details there for you. If you have additional questions, come back and let me know. And then if you wanna let me know once you've made that contribution, we can go and claim that notice of intent for you. Okay? Yeah. No. It shouldn't make any difference because as a sole trader, all of the income that you receive is it's all added to your personal name anyway. It's all taxed the same way, so that shouldn't be a problem. Yeah. Excellent. That's okay. That would honestly be something for your accountant. That is taking into account sort of the the whole financial taxable side of things. And there's other things to consider there, like CGT credits, the overall tax component, how much your loan would cost that you'd have to repay, what the deductibility is, what kind of car you're looking at. They've also gotta take into account things like fringe benefits, tax, how to keep the records completed as correctly as possible for the ATO and depreciation and things like that. So definitely have a a chat to your accountant about purchasing a motor vehicle through the company. That would definitely be a them thing, and they'll be able to have a really good look at whether that's worthwhile for you. Okay? Yep. That's okay. I'll send you a recap email just letting you in on those last couple of things. And if you find you have any additional questions, let me know. Okay? No worries. I hope you have a good evening. Thanks. See you later. 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Taylor Oates Financial Contributions Conversation. Hi, Christie. This is Dana from Okie Financial. How are you this afternoon? I'm very well.\n\nThank you. Thanks for asking. I had you booked in this afternoon just to have a bit of a conversation around your contributions. Is now still a good time here for you? Fantastic.\n\nBefore we jump into the call there, Christie, I do need to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic. And, also, just to do security there with you as well, I just need to confirm your full name, your date of birth, and address I should have on file. Yes.\n\nYes. Lovely. Beautiful. Thank you so much for that. And how's your day been so far?\n\nAre you nearly done for the day, or you still got a bit longer to go? Absolutely. Yes. Absolutely. Because you're self employed, and you've set yourself up as a company now.\n\nIs that right? Yeah. Yes. Yeah. Fantastic.\n\nBenefits. Yeah. Absolutely. Well, congratulations on growing your business. That is fantastic.\n\nIt's a good problem to have, isn't it? Oh, good. No. You're too good. Oh, good.\n\nYeah. Yes. Yeah. Okay. Yes.\n\nMhmm. Right. Okay. Okay. Yeah.\n\nOkay. Yeah. That that's okay. Not a problem at all. So, realistically, today, I can only give you general advice.\n\nBut, essentially, you've got one or two ways you can make the contribution. Now you're set up as a company. So, realistically, as an employer of your company, your company can make super contributions on your behalf. You can essentially do it one of two ways. You can make the contribution as a salary sacrifice contribution through your company, where they just pay into your super the same way a normal employer would.\n\nThe cap for this financial year is 30,000. So because you've currently made or currently had $4,815.20 put in there, it does leave for this financial year an approximate cap of just over 25,000 available to you. Uh-huh. How much are you wanting to put into the super fund at the moment? Do you have a set amount you've been thinking about contributing?\n\nOr Mhmm. Well, if you're just wanting to do it as, like, a salary sacrifice contribution or a contribution from your company, they would put it in as an employer contribution. So it would go through the SuperStream system as if you were working for any other employer there. You can make the contribution direct out of your bank account and make it as a deductible contribution as a lump sum. And if you decide to do it that way, we just need to claim a notice of intent.\n\nAnd if you make a deductible contribution, it comes direct to your bank account. We claim a notice of intent against that one, and the contribution you put into super can be claimed as a tax deduction for you. Mhmm. Yeah. Yeah.\n\nYeah. Look. I would probably you'd probably be best to speak to your accountant to make sure that's viable for you. Your accountant's probably gonna be able to give you a little bit more on the way of the tax information that you're after. But, essentially, if it's your company, you're able to have that contribution made from your company to your super.\n\nIt's not a problem at all. The main thing to be mindful of is that once that money goes into super, you actually can't take it back out or access it. So just being careful. You're not contributing more than you're comfortable putting into super knowing you can't then take it back out again, making sure that you're not over over, you know, over contributing. Yeah.\n\nCorrect. Correct. But, realistically, you're the employee of your company, so there's nothing wrong with actually making the contribution from the company there. It would just be essentially set up as an employer contribution. So your company is putting that money into super you're the employer.\n\nWith the way your structure is, if you're set up as a company, realistically, each year, you are supposed to receive contributions from the company as well. So your company is supposed to pay employee employee contributions or employer FTC contributions essentially to your super fund for you because as much as it's your company, you are still an employee of the company. So it is something that definitely needs to be taken into account, and I'm sure your accountant is well versed in making sure that that does happen for you. The so that's one way of making the contribution. The other way is if you wanna maximize the cap out, you can do it, as I said, as a deductible contribution, which can be a little bit more beneficial on the tax side of things, making a contribution from your bank account to your super fund as a lump sum one off contribution.\n\nThe whole amount does get invested at the one time into super, and then we can claim that notice of intent for you. The notice of intent means the tax is taken out of that contribution inside the super system, and then you essentially says, like, say, if you made a $10,000 contribution, the the 15% tax is to take taken out of that, 10,000 for you, and then you get a letter to say that's all being completed. And then that $10,000, your accountant can then, have that, you know, deducted from your taxable income. So having making it as a deductible contribution can be a little bit more more of a tax advantage for you, but at the same time, making having it done in sort of different ways. If you do it as a deductible contribution from your bank account, it's more a deduction for yourself.\n\nYou'd need to speak to your accountant to make sure that it's gonna be okay to do it out of your company account to make sure that your company is okay with that. Otherwise, you can make it sorry. You're at Yeah. Right. Okay.\n\nYeah. Right. Yes. Yeah. Yeah.\n\nThat is correct. Yeah. Yeah. Until you meet a condition of release. So at the moment, the condition is of release that you turn 60 and retire or if you continue working age 65 there.\n\nYeah. No. Age 60. Yeah. So under your current, like essentially, it all sort of works on date of birth, but under the current eligibility or preservation age is what they call it, you can actually retire at 60 if you decide to stop working and fully retire.\n\nIf you continue working past age 60 and you get to age 65, then they make it if even if you're working at age 65, they make your super completely unpreserved, non restricted so you can access it regardless of work whether your working status is 65. And age 60 seven is the age you can apply for the age pension through Centrelink if you're eligible. Yeah. Did you think you had to work to 65? Yeah.\n\nWell, I hope I've given you some good news. You could look at age 60 if you would like to there, Christie. Yes. Yes. You're 50 three this year?\n\nThat's correct. Yeah. Yep. Unfortunately, that's the earliest we can do. Yeah.\n\nIf you wanna if you had investments outside of Super or building your business to a point where you no longer had to physically work in it and other people could do it for you, then you'd be able to find ways to access the to be able to start working. But the earliest you can access through for the moment is age 60. That's okay. Mhmm. Yep.\n\nYeah. Yeah. Yes. Yeah. Absolutely.\n\nYes. Well, the the difference is making the deductible contribution for yourself. Like, as I said, if you were to put 10,000 into super there, that 10,000 goes into super. We claim that notice of intent, and the super fund takes a 58% tax. So the 15 percent tax doesn't change in any way, shape, or form.\n\nThe main difference is that by making that deductible contribution, that 10,000 you've put in the super at tax time when you do your tax return, you can then go back to your accountant and say, I've put 10,000 in the super, and you wanna claim that 10,000 as a tax deduction. You then claim that full 10,000 back on your tax return as a tax deduction there. With putting the money through, like, as an employer contribution or as an employee contribution through your company, that money goes through. There's no real tax advantage to you. Your your accountant should be able to claim you as an employee and the money that that is put into super your business or your company can claim, but you can't claim that personally because you're the employee of the company.\n\nBut your accountant would be able to work that out a lot better for you. Yeah. Yeah. It's a little bit different. That's okay.\n\nIt's a little bit different either way, but are you do you know which way you wanna go with it? Are you wanting to Yep. Yes. No. Yeah.\n\nYeah. And, realistically, you've been working. Yeah. And, realistically, you've been working as a sole trader for the last year and and working for other people, so your marginal tax rate might be certainly higher. Yeah.\n\nYeah. Yeah. Most people do look at the yeah. Most people do look at the deductible for that reason to make it easier. Yeah.\n\nYep. That's okay. That's alright. Did you want did you want some did you want me to email you or or did you wanna let us know once you've made that contribution to Super? Or do you need us to give you the details of how to make that contribution as a deductible contribution?\n\nHow where to transfer the money to or how to transfer the money to a deductible contribution? How where to transfer the money to or how to transfer the money to Super? Yep. Beautiful. What I'll do is I'll send you an email after the call if you like.\n\nIt'll just give you a rundown on what the the deductible contribution is just relaying kind of what we've kinda gone through there. It'll have just a snippet of the bank account details for your super fund. If you decide you wanna make that as a deductible contribution, they realistically need to be in before the twentieth of this month. So trying to make that as soon as possible. No.\n\nWell, it needs to be in there before the thirtieth of this month. But, realistically, once the money goes into the super fund, your super fund has to receive it and then also, you know, move that money around or allocate it correctly. And it can take the super funds a bit of time to do that. So it's not an automatic system. They actually receive the money and then have to allocate it to the right part of your account and cross check a few things.\n\nSo we like to sort of suggest try and have it in there no later than the twentieth of of this month. That way, it's in there with ten days to spare to make sure that it gets allocated correctly. Just because you do find there is a lot of people who are trying to make contributions before the end of the financial year, and there are a lot of people transferring the last two or three days, it's very easy for things to get missed or for the super fund team to forget or not allocated or just missed that. So it just gives that a little extra leniency, just making sure that you're covering your bases but with enough time for the super fund to do everything they need to do. Okay?\n\nYep. Excellent. I'll send you I'll send you an email shortly. That's okay. Just sort of outlining that deductible.\n\nIt'll have the details there for you. If you have additional questions, come back and let me know. And then if you wanna let me know once you've made that contribution, we can go and claim that notice of intent for you. Okay? Yeah.\n\nNo. It shouldn't make any difference because as a sole trader, all of the income that you receive is it's all added to your personal name anyway. It's all taxed the same way, so that shouldn't be a problem. Yeah. Excellent.\n\nThat's okay. That would honestly be something for your accountant. That is taking into account sort of the the whole financial taxable side of things. And there's other things to consider there, like CGT credits, the overall tax component, how much your loan would cost that you'd have to repay, what the deductibility is, what kind of car you're looking at. They've also gotta take into account things like fringe benefits, tax, how to keep the records completed as correctly as possible for the ATO and depreciation and things like that.\n\nSo definitely have a a chat to your accountant about purchasing a motor vehicle through the company. That would definitely be a them thing, and they'll be able to have a really good look at whether that's worthwhile for you. Okay? Yep. That's okay.\n\nI'll send you a recap email just letting you in on those last couple of things. And if you find you have any additional questions, let me know. Okay? No worries. I hope you have a good evening.\n\nThanks. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Dana Taylor Oates Financial Contributions Conversation.","start":7.52,"end":10.82,"sentiment":"neutral","sentiment_score":0.02625246128688256},{"text":"Hi, Christie.","start":22.095001,"end":22.815,"sentiment":"neutral","sentiment_score":0.10901135951280594},{"text":"This is Dana from Okie Financial.","start":22.815,"end":24.494999,"sentiment":"neutral","sentiment_score":0.14342120041449866},{"text":"How are you this afternoon?","start":24.494999,"end":25.795,"sentiment":"neutral","sentiment_score":0.1790705978870392},{"text":"I'm very well.","start":29.01,"end":29.73,"sentiment":"positive","sentiment_score":0.4351704915364583}],"sentiment":"neutral","sentiment_score":0.15622405242174864,"num_words":22,"start":7.52,"end":29.73},{"sentences":[{"text":"Thank you.","start":29.73,"end":30.130001,"sentiment":"positive","sentiment_score":0.5645573735237122},{"text":"Thanks for asking.","start":30.130001,"end":31.11,"sentiment":"positive","sentiment_score":0.5485207438468933},{"text":"I had you booked in this afternoon just to have a bit of a conversation around your contributions.","start":31.41,"end":35.11,"sentiment":"neutral","sentiment_score":0.23775199717945522},{"text":"Is now still a good time here for you?","start":35.25,"end":37.43,"sentiment":"neutral","sentiment_score":0.21350035071372986},{"text":"Fantastic.","start":40.145,"end":40.645,"sentiment":"positive","sentiment_score":0.47670620679855347}],"sentiment":"neutral","sentiment_score":0.286437039122437,"num_words":33,"start":29.73,"end":40.645},{"sentences":[{"text":"Before we jump into the call there, Christie, I do need to let you know we do record our calls for quality and training purposes.","start":41.105,"end":46.705,"sentiment":"neutral","sentiment_score":0.1745851904153824},{"text":"Are you happy for me to proceed with that?","start":46.705,"end":48.965,"sentiment":"neutral","sentiment_score":0.18643523587120903},{"text":"Fantastic.","start":50.785,"end":51.285,"sentiment":"positive","sentiment_score":0.4181274175643921},{"text":"And, also, just to do security there with you as well, I just need to confirm your full name, your date of birth, and address I should have on file.","start":52.06,"end":58.32,"sentiment":"neutral","sentiment_score":0.16887090678016345},{"text":"Yes.","start":62.14,"end":62.64,"sentiment":"neutral","sentiment_score":0.027454357594251633}],"sentiment":"neutral","sentiment_score":0.1750644827543786,"num_words":66,"start":41.105,"end":62.64},{"sentences":[{"text":"Yes.","start":63.260002,"end":63.760002,"sentiment":"neutral","sentiment_score":0.022056661546230316},{"text":"Lovely.","start":69.755,"end":70.075,"sentiment":"neutral","sentiment_score":0.2645045816898346},{"text":"Beautiful.","start":70.075,"end":70.575,"sentiment":"positive","sentiment_score":0.33461207151412964},{"text":"Thank you so much for that.","start":72.315,"end":73.755005,"sentiment":"positive","sentiment_score":0.37449759244918823},{"text":"And how's your day been so far?","start":73.755005,"end":75.535,"sentiment":"neutral","sentiment_score":0.1369222668664796}],"sentiment":"neutral","sentiment_score":0.23916342109441757,"num_words":16,"start":63.260002,"end":75.535},{"sentences":[{"text":"Are you nearly done for the day, or you still got a bit longer to go?","start":79.77,"end":83.23,"sentiment":"neutral","sentiment_score":-0.10261146537959576},{"text":"Absolutely.","start":89.784996,"end":90.284996,"sentiment":"neutral","sentiment_score":-0.05258011072874069},{"text":"Yes.","start":94.345,"end":94.825,"sentiment":"neutral","sentiment_score":-0.018485337495803833},{"text":"Absolutely.","start":94.825,"end":95.225,"sentiment":"neutral","sentiment_score":-0.01613633520901203},{"text":"Because you're self employed, and you've set yourself up as a company now.","start":95.225,"end":98.425,"sentiment":"neutral","sentiment_score":-0.015698306620694123}],"sentiment":"neutral","sentiment_score":-0.06040822548675351,"num_words":32,"start":79.77,"end":98.425},{"sentences":[{"text":"Is that right?","start":98.425,"end":99.325,"sentiment":"neutral","sentiment_score":0.0008194300656517347},{"text":"Yeah.","start":104.409996,"end":104.909996,"sentiment":"neutral","sentiment_score":-0.01647196337580681},{"text":"Yes.","start":108.009995,"end":108.509995,"sentiment":"neutral","sentiment_score":-0.005209877155721188},{"text":"Yeah.","start":115.625,"end":116.125,"sentiment":"neutral","sentiment_score":-0.04236926883459091},{"text":"Fantastic.","start":121.384995,"end":121.884995,"sentiment":"neutral","sentiment_score":0.11241797357797624}],"sentiment":"neutral","sentiment_score":0.007260736344116077,"num_words":7,"start":98.425,"end":121.884995},{"sentences":[{"text":"Benefits.","start":125.064995,"end":125.564995,"sentiment":"neutral","sentiment_score":-0.0034912987612187862},{"text":"Yeah.","start":127.369995,"end":127.869995,"sentiment":"neutral","sentiment_score":0.0864625871181488},{"text":"Absolutely.","start":128.01,"end":128.51,"sentiment":"neutral","sentiment_score":0.2207876741886139},{"text":"Well, congratulations on growing your business.","start":128.65,"end":130.97,"sentiment":"positive","sentiment_score":0.4782422681649526},{"text":"That is fantastic.","start":130.97,"end":131.95,"sentiment":"positive","sentiment_score":0.4920425017674764}],"sentiment":"positive","sentiment_score":0.3874450064031407,"num_words":12,"start":125.064995,"end":131.95},{"sentences":[{"text":"It's a good problem to have, isn't it?","start":132.33,"end":135.39,"sentiment":"neutral","sentiment_score":-0.21563430596143007},{"text":"Oh, good.","start":138.25,"end":138.98999,"sentiment":"neutral","sentiment_score":-0.15753989666700363},{"text":"No.","start":143.155,"end":143.55501,"sentiment":"negative","sentiment_score":-0.365251362323761},{"text":"You're too good.","start":143.55501,"end":144.695,"sentiment":"negative","sentiment_score":-0.3436781068642934},{"text":"Oh, good.","start":148.755,"end":149.71501,"sentiment":"neutral","sentiment_score":0.020856382325291634}],"sentiment":"neutral","sentiment_score":-0.2121704474557191,"num_words":16,"start":132.33,"end":149.71501},{"sentences":[{"text":"Yeah.","start":149.71501,"end":150.21501,"sentiment":"neutral","sentiment_score":0.09803926199674606},{"text":"Yes.","start":156.77,"end":157.27,"sentiment":"neutral","sentiment_score":0.2172164022922516},{"text":"Yeah.","start":165.825,"end":166.325,"sentiment":"neutral","sentiment_score":0.07499329000711441},{"text":"Okay.","start":168.545,"end":169.045,"sentiment":"neutral","sentiment_score":0.046324536204338074},{"text":"Yes.","start":171.505,"end":172.005,"sentiment":"neutral","sentiment_score":0.13506467640399933}],"sentiment":"neutral","sentiment_score":0.11432763338088989,"num_words":5,"start":149.71501,"end":172.005},{"sentences":[{"text":"Mhmm.","start":187.6,"end":188.1,"sentiment":"neutral","sentiment_score":0.026136675849556923},{"text":"Right.","start":193.185,"end":193.685,"sentiment":"neutral","sentiment_score":0.06069948524236679},{"text":"Okay.","start":200.4,"end":200.9,"sentiment":"neutral","sentiment_score":0.024870092049241063},{"text":"Okay.","start":206.4075,"end":206.9075,"sentiment":"neutral","sentiment_score":0.025142161175608635},{"text":"Yeah.","start":212.89499,"end":213.39499,"sentiment":"neutral","sentiment_score":-0.06314811110496521}],"sentiment":"neutral","sentiment_score":0.01474006064236164,"num_words":5,"start":187.6,"end":213.39499},{"sentences":[{"text":"Okay.","start":217.69499,"end":218.19499,"sentiment":"neutral","sentiment_score":0.009961750358343124},{"text":"Yeah.","start":231.95,"end":232.26999,"sentiment":"neutral","sentiment_score":0.013564590364694595},{"text":"That that's okay.","start":232.26999,"end":233.56999,"sentiment":"neutral","sentiment_score":0.09680622691909473},{"text":"Not a problem at all.","start":233.79,"end":234.75,"sentiment":"neutral","sentiment_score":0.1391007572412491},{"text":"So, realistically, today, I can only give you general advice.","start":234.75,"end":237.65,"sentiment":"neutral","sentiment_score":0.12702641263604164}],"sentiment":"neutral","sentiment_score":0.11398564670234919,"num_words":20,"start":217.69499,"end":237.65},{"sentences":[{"text":"But, essentially, you've got one or two ways you can make the contribution.","start":238.66501,"end":241.645,"sentiment":"neutral","sentiment_score":0.2016999595440351},{"text":"Now you're set up as a company.","start":241.785,"end":243.38501,"sentiment":"neutral","sentiment_score":0.2061883466584342},{"text":"So, realistically, as an employer of your company, your company can make super contributions on your behalf.","start":243.38501,"end":249.80501,"sentiment":"neutral","sentiment_score":0.229387063313933},{"text":"You can essentially do it one of two ways.","start":250.345,"end":252.345,"sentiment":"neutral","sentiment_score":0.2506655305624008},{"text":"You can make the contribution as a salary sacrifice contribution through your company, where they just pay into your super the same way a normal employer would.","start":252.345,"end":262.15,"sentiment":"neutral","sentiment_score":0.17710263226871137}],"sentiment":"neutral","sentiment_score":0.2055172441552763,"num_words":73,"start":238.66501,"end":262.15},{"sentences":[{"text":"The cap for this financial year is 30,000.","start":263.16998,"end":266.07,"sentiment":"neutral","sentiment_score":0.06930322386324406},{"text":"So because you've currently made or currently had $4,815.20 put in there, it does leave for this financial year an approximate cap of just over 25,000 available to you.","start":266.13,"end":279.765,"sentiment":"neutral","sentiment_score":0.13638029247522354},{"text":"Uh-huh.","start":280.065,"end":280.385,"sentiment":"neutral","sentiment_score":0.04942191764712334},{"text":"How much are you wanting to put into the super fund at the moment?","start":280.385,"end":283.74,"sentiment":"neutral","sentiment_score":0.088344292981284},{"text":"Do you have a set amount you've been thinking about contributing?","start":283.74,"end":286.4,"sentiment":"neutral","sentiment_score":0.012202437967061996}],"sentiment":"neutral","sentiment_score":0.09412576364619392,"num_words":63,"start":263.16998,"end":286.4},{"sentences":[{"text":"Or Mhmm.","start":286.53998,"end":300.255,"sentiment":"neutral","sentiment_score":0.00021681655198335734},{"text":"Well, if you're just wanting to do it as, like, a salary sacrifice contribution or a contribution from your company, they would put it in as an employer contribution.","start":303.035,"end":311.33002,"sentiment":"neutral","sentiment_score":0.1570167867787953},{"text":"So it would go through the SuperStream system as if you were working for any other employer there.","start":312.19,"end":317.65,"sentiment":"neutral","sentiment_score":0.23995330350266564},{"text":"You can make the contribution direct out of your bank account and make it as a deductible contribution as a lump sum.","start":318.27002,"end":324.85,"sentiment":"neutral","sentiment_score":0.28623705357313156},{"text":"And if you decide to do it that way, we just need to claim a notice of intent.","start":325.48502,"end":329.185,"sentiment":"neutral","sentiment_score":0.21268050662345356}],"sentiment":"neutral","sentiment_score":0.2134667888827873,"num_words":89,"start":286.53998,"end":329.185},{"sentences":[{"text":"And if you make a deductible contribution, it comes direct to your bank account.","start":329.965,"end":334.545,"sentiment":"neutral","sentiment_score":0.10759954048054558},{"text":"We claim a notice of intent against that one, and the contribution you put into super can be claimed as a tax deduction for you.","start":335.085,"end":339.825,"sentiment":"neutral","sentiment_score":0.17931517601013183},{"text":"Mhmm.","start":352.84998,"end":353.34998,"sentiment":"neutral","sentiment_score":0.0859144777059555},{"text":"Yeah.","start":356.565,"end":357.065,"sentiment":"neutral","sentiment_score":0.26126590371131897},{"text":"Yeah.","start":378.355,"end":378.855,"sentiment":"neutral","sentiment_score":0.11827272921800612}],"sentiment":"neutral","sentiment_score":0.1536839542289575,"num_words":42,"start":329.965,"end":378.855},{"sentences":[{"text":"Yeah.","start":379.39502,"end":379.89502,"sentiment":"neutral","sentiment_score":0.06093600392341614},{"text":"Look.","start":379.95502,"end":380.275,"sentiment":"neutral","sentiment_score":0.07123284786939621},{"text":"I would probably you'd probably be best to speak to your accountant to make sure that's viable for you.","start":380.275,"end":386.135,"sentiment":"neutral","sentiment_score":-0.01962967736548499},{"text":"Your accountant's probably gonna be able to give you a little bit more on the way of the tax information that you're after.","start":386.275,"end":391.255,"sentiment":"neutral","sentiment_score":0.10397328484965407},{"text":"But, essentially, if it's your company, you're able to have that contribution made from your company to your super.","start":392.16,"end":399.12,"sentiment":"neutral","sentiment_score":0.305170791713815}],"sentiment":"neutral","sentiment_score":0.12617199326909723,"num_words":63,"start":379.39502,"end":399.12},{"sentences":[{"text":"It's not a problem at all.","start":399.12,"end":400.66,"sentiment":"positive","sentiment_score":0.3522948622703552},{"text":"The main thing to be mindful of is that once that money goes into super, you actually can't take it back out or access it.","start":400.72,"end":407.77502,"sentiment":"neutral","sentiment_score":-0.2322296231985092},{"text":"So just being careful.","start":407.77502,"end":408.975,"sentiment":"neutral","sentiment_score":-0.21097175404429436},{"text":"You're not contributing more than you're comfortable putting into super knowing you can't then take it back out again, making sure that you're not over over, you know, over contributing.","start":408.975,"end":421.33,"sentiment":"neutral","sentiment_score":-0.31224529320995015},{"text":"Yeah.","start":421.71,"end":422.21,"sentiment":"neutral","sentiment_score":0.016163421794772148}],"sentiment":"neutral","sentiment_score":-0.2104099060154774,"num_words":66,"start":399.12,"end":422.21},{"sentences":[{"text":"Correct.","start":422.27,"end":422.77,"sentiment":"neutral","sentiment_score":0.019393598660826683},{"text":"Correct.","start":422.99,"end":423.49,"sentiment":"neutral","sentiment_score":0.05822710692882538},{"text":"But, realistically, you're the employee of your company, so there's nothing wrong with actually making the contribution from the company there.","start":424.19,"end":430.69,"sentiment":"neutral","sentiment_score":0.2404980013767878},{"text":"It would just be essentially set up as an employer contribution.","start":431.20502,"end":436.025,"sentiment":"neutral","sentiment_score":0.1387069211764769},{"text":"So your company is putting that money into super you're the employer.","start":436.325,"end":440.265,"sentiment":"neutral","sentiment_score":0.2036870407561461}],"sentiment":"neutral","sentiment_score":0.19778476861993904,"num_words":46,"start":422.27,"end":440.265},{"sentences":[{"text":"With the way your structure is, if you're set up as a company, realistically, each year, you are supposed to receive contributions from the company as well.","start":441.525,"end":451.22,"sentiment":"neutral","sentiment_score":0.14513902172998147},{"text":"So your company is supposed to pay employee employee contributions or employer FTC contributions essentially to your super fund for you because as much as it's your company, you are still an employee of the company.","start":451.22,"end":464.595,"sentiment":"neutral","sentiment_score":0.1980214019616445},{"text":"So it is something that definitely needs to be taken into account, and I'm sure your accountant is well versed in making sure that that does happen for you.","start":465.135,"end":472.435,"sentiment":"neutral","sentiment_score":0.2401505179446319},{"text":"The so that's one way of making the contribution.","start":473.29498,"end":475.95,"sentiment":"neutral","sentiment_score":0.30118920074568856},{"text":"The other way is if you wanna maximize the cap out, you can do it, as I said, as a deductible contribution, which can be a little bit more beneficial on the tax side of things, making a contribution from your bank account to your super fund as a lump sum one off contribution.","start":476.01,"end":490.90503,"sentiment":"positive","sentiment_score":0.4754416732876389}],"sentiment":"neutral","sentiment_score":0.29933188543204337,"num_words":155,"start":441.525,"end":490.90503},{"sentences":[{"text":"The whole amount does get invested at the one time into super, and then we can claim that notice of intent for you.","start":491.68503,"end":498.565,"sentiment":"positive","sentiment_score":0.359502713965333},{"text":"The notice of intent means the tax is taken out of that contribution inside the super system, and then you essentially says, like, say, if you made a $10,000 contribution, the the 15% tax is to take taken out of that, 10,000 for you, and then you get a letter to say that's all being completed.","start":498.565,"end":517.27,"sentiment":"neutral","sentiment_score":0.17965470480599574},{"text":"And then that $10,000, your accountant can then, have that, you know, deducted from your taxable income.","start":517.33,"end":524.185,"sentiment":"neutral","sentiment_score":0.18163745806497686},{"text":"So having making it as a deductible contribution can be a little bit more more of a tax advantage for you, but at the same time, making having it done in sort of different ways.","start":524.185,"end":536.07,"sentiment":"positive","sentiment_score":0.3711984936680113},{"text":"If you do it as a deductible contribution from your bank account, it's more a deduction for yourself.","start":536.07,"end":542.01,"sentiment":"neutral","sentiment_score":0.1291912988656097}],"sentiment":"neutral","sentiment_score":0.24653995527117045,"num_words":149,"start":491.68503,"end":542.01},{"sentences":[{"text":"You'd need to speak to your accountant to make sure that it's gonna be okay to do it out of your company account to make sure that your company is okay with that.","start":543.35,"end":551.715,"sentiment":"neutral","sentiment_score":-0.05415764970309807},{"text":"Otherwise, you can make it sorry.","start":553.215,"end":555.295,"sentiment":"negative","sentiment_score":-0.35226347545782727},{"text":"You're at Yeah.","start":555.295,"end":558.915,"sentiment":"neutral","sentiment_score":-0.016493526908258598},{"text":"Right.","start":562.59,"end":563.09,"sentiment":"neutral","sentiment_score":0.04868008196353912},{"text":"Okay.","start":568.27,"end":568.77,"sentiment":"neutral","sentiment_score":0.12369365990161896}],"sentiment":"neutral","sentiment_score":-0.08586113935929131,"num_words":44,"start":543.35,"end":568.77},{"sentences":[{"text":"Yeah.","start":569.63,"end":570.13,"sentiment":"neutral","sentiment_score":0.17517919838428497},{"text":"Right.","start":579.96497,"end":580.46497,"sentiment":"neutral","sentiment_score":0.14657697081565857},{"text":"Yes.","start":581.08496,"end":581.58496,"sentiment":"neutral","sentiment_score":0.13953673839569092},{"text":"Yeah.","start":587.42,"end":587.92,"sentiment":"neutral","sentiment_score":0.16588331758975983},{"text":"Yeah.","start":588.3,"end":588.8,"sentiment":"neutral","sentiment_score":0.2064401209354401}],"sentiment":"neutral","sentiment_score":0.16672326922416686,"num_words":5,"start":569.63,"end":588.8},{"sentences":[{"text":"That is correct.","start":602.955,"end":604.09503,"sentiment":"neutral","sentiment_score":0.1547375147541364},{"text":"Yeah.","start":604.795,"end":605.275,"sentiment":"neutral","sentiment_score":0.13025853037834167},{"text":"Yeah.","start":605.275,"end":605.675,"sentiment":"neutral","sentiment_score":0.0883203074336052},{"text":"Until you meet a condition of release.","start":605.675,"end":607.59503,"sentiment":"neutral","sentiment_score":-0.015745002776384354},{"text":"So at the moment, the condition is of release that you turn 60 and retire or if you continue working age 65 there.","start":607.59503,"end":615.51,"sentiment":"neutral","sentiment_score":-0.013199034025487692}],"sentiment":"neutral","sentiment_score":0.007685673715812819,"num_words":35,"start":602.955,"end":615.51},{"sentences":[{"text":"Yeah.","start":615.57,"end":616.07,"sentiment":"neutral","sentiment_score":0.014510001055896282},{"text":"No.","start":627.66504,"end":627.98505,"sentiment":"neutral","sentiment_score":-0.1020973175764084},{"text":"Age 60.","start":627.98505,"end":628.80505,"sentiment":"neutral","sentiment_score":-0.0768999345600605},{"text":"Yeah.","start":632.385,"end":632.86505,"sentiment":"neutral","sentiment_score":-0.017450595274567604},{"text":"So under your current, like essentially, it all sort of works on date of birth, but under the current eligibility or preservation age is what they call it, you can actually retire at 60 if you decide to stop working and fully retire.","start":632.86505,"end":647.33,"sentiment":"neutral","sentiment_score":-0.07564522005444349}],"sentiment":"neutral","sentiment_score":-0.07315796340117231,"num_words":48,"start":615.57,"end":647.33},{"sentences":[{"text":"If you continue working past age 60 and you get to age 65, then they make it if even if you're working at age 65, they make your super completely unpreserved, non restricted so you can access it regardless of work whether your working status is 65.","start":648.27,"end":664.775,"sentiment":"neutral","sentiment_score":0.028125382603165952},{"text":"And age 60 seven is the age you can apply for the age pension through Centrelink if you're eligible.","start":665.09,"end":670.23,"sentiment":"neutral","sentiment_score":0.08144848166327727},{"text":"Yeah.","start":673.57,"end":674.07,"sentiment":"neutral","sentiment_score":0.014700093306601048},{"text":"Did you think you had to work to 65?","start":674.29004,"end":676.71,"sentiment":"neutral","sentiment_score":-0.04482235718104574},{"text":"Yeah.","start":683.475,"end":683.95496,"sentiment":"neutral","sentiment_score":0.002667240798473358}],"sentiment":"neutral","sentiment_score":0.032251691602944554,"num_words":77,"start":648.27,"end":683.95496},{"sentences":[{"text":"Well, I hope I've given you some good news.","start":683.95496,"end":686.115,"sentiment":"neutral","sentiment_score":0.22965963350401986},{"text":"You could look at age 60 if you would like to there, Christie.","start":686.115,"end":689.175,"sentiment":"neutral","sentiment_score":0.12936283103548563},{"text":"Yes.","start":692.19,"end":692.69,"sentiment":"neutral","sentiment_score":0.03807026892900467},{"text":"Yes.","start":702.35004,"end":702.75,"sentiment":"neutral","sentiment_score":0.04306672886013985},{"text":"You're 50 three this year?","start":702.75,"end":704.61,"sentiment":"neutral","sentiment_score":-0.0013735480606555939}],"sentiment":"neutral","sentiment_score":0.13182492284425373,"num_words":29,"start":683.95496,"end":704.61},{"sentences":[{"text":"That's correct.","start":705.02496,"end":705.765,"sentiment":"neutral","sentiment_score":0.3051465302705765},{"text":"Yeah.","start":705.90497,"end":706.225,"sentiment":"neutral","sentiment_score":0.20070546865463257},{"text":"Yep.","start":706.225,"end":706.725,"sentiment":"neutral","sentiment_score":0.15257686376571655},{"text":"Unfortunately, that's the earliest we can do.","start":709.505,"end":712.46497,"sentiment":"neutral","sentiment_score":-0.019873781661902155},{"text":"Yeah.","start":712.46497,"end":712.785,"sentiment":"neutral","sentiment_score":0.06498394161462784}],"sentiment":"neutral","sentiment_score":0.0741202385785679,"num_words":12,"start":705.02496,"end":712.785},{"sentences":[{"text":"If you wanna if you had investments outside of Super or building your business to a point where you no longer had to physically work in it and other people could do it for you, then you'd be able to find ways to access the to be able to start working.","start":712.785,"end":725.98,"sentiment":"neutral","sentiment_score":0.16406468433492324},{"text":"But the earliest you can access through for the moment is age 60.","start":726.12,"end":729.66003,"sentiment":"neutral","sentiment_score":0.01931852403168495},{"text":"That's okay.","start":732.055,"end":732.875,"sentiment":"positive","sentiment_score":0.378306046128273},{"text":"Mhmm.","start":749.02997,"end":749.52997,"sentiment":"neutral","sentiment_score":0.10029545426368712},{"text":"Yep.","start":753.35,"end":753.85,"sentiment":"neutral","sentiment_score":0.08833090960979462}],"sentiment":"neutral","sentiment_score":0.1406423260238679,"num_words":68,"start":712.785,"end":753.85},{"sentences":[{"text":"Yeah.","start":756.565,"end":757.065,"sentiment":"neutral","sentiment_score":0.15475061535835266},{"text":"Yeah.","start":760.565,"end":761.065,"sentiment":"neutral","sentiment_score":0.10172682255506516},{"text":"Yes.","start":770.5,"end":771.0,"sentiment":"neutral","sentiment_score":0.05109028518199921},{"text":"Yeah.","start":773.22003,"end":773.72003,"sentiment":"neutral","sentiment_score":0.06439626961946487},{"text":"Absolutely.","start":777.14,"end":777.64,"sentiment":"neutral","sentiment_score":0.01177610456943512}],"sentiment":"neutral","sentiment_score":0.07674801945686341,"num_words":5,"start":756.565,"end":777.64},{"sentences":[{"text":"Yes.","start":783.555,"end":784.055,"sentiment":"neutral","sentiment_score":0.10726799070835114},{"text":"Well, the the difference is making the deductible contribution for yourself.","start":797.81,"end":803.43,"sentiment":"neutral","sentiment_score":0.12124382569031282},{"text":"Like, as I said, if you were to put 10,000 into super there, that 10,000 goes into super.","start":803.64996,"end":808.445,"sentiment":"neutral","sentiment_score":0.10729789899455176},{"text":"We claim that notice of intent, and the super fund takes a 58% tax.","start":808.505,"end":812.105,"sentiment":"neutral","sentiment_score":0.10322319157421589},{"text":"So the 15 percent tax doesn't change in any way, shape, or form.","start":812.105,"end":815.565,"sentiment":"neutral","sentiment_score":0.047171143241799794}],"sentiment":"neutral","sentiment_score":0.09527476841028322,"num_words":57,"start":783.555,"end":815.565},{"sentences":[{"text":"The main difference is that by making that deductible contribution, that 10,000 you've put in the super at tax time when you do your tax return, you can then go back to your accountant and say, I've put 10,000 in the super, and you wanna claim that 10,000 as a tax deduction.","start":815.865,"end":833.23,"sentiment":"neutral","sentiment_score":0.17144370605595982},{"text":"You then claim that full 10,000 back on your tax return as a tax deduction there.","start":833.805,"end":839.105,"sentiment":"positive","sentiment_score":0.3416329240426421},{"text":"With putting the money through, like, as an employer contribution or as an employee contribution through your company, that money goes through.","start":839.405,"end":848.52,"sentiment":"neutral","sentiment_score":0.2680325853553685},{"text":"There's no real tax advantage to you.","start":848.52,"end":850.52,"sentiment":"neutral","sentiment_score":0.233902245759964},{"text":"Your your accountant should be able to claim you as an employee and the money that that is put into super your business or your company can claim, but you can't claim that personally because you're the employee of the company.","start":850.52,"end":865.065,"sentiment":"neutral","sentiment_score":0.13249975915362194}],"sentiment":"neutral","sentiment_score":0.19817190016687347,"num_words":138,"start":815.865,"end":865.065},{"sentences":[{"text":"But your accountant would be able to work that out a lot better for you.","start":865.065,"end":868.765,"sentiment":"neutral","sentiment_score":0.24069122076034546},{"text":"Yeah.","start":870.505,"end":871.005,"sentiment":"neutral","sentiment_score":0.04862214624881744},{"text":"Yeah.","start":871.305,"end":871.805,"sentiment":"neutral","sentiment_score":0.08213117718696594},{"text":"It's a little bit different.","start":872.025,"end":873.405,"sentiment":"neutral","sentiment_score":0.012280210107564925},{"text":"That's okay.","start":873.53,"end":873.93,"sentiment":"neutral","sentiment_score":0.07947695069015026}],"sentiment":"neutral","sentiment_score":0.16506152444829544,"num_words":24,"start":865.065,"end":873.93},{"sentences":[{"text":"It's a little bit different either way, but are you do you know which way you wanna go with it?","start":873.93,"end":878.33,"sentiment":"neutral","sentiment_score":0.045166345033794644},{"text":"Are you wanting to Yep.","start":878.33,"end":887.48505,"sentiment":"neutral","sentiment_score":0.009947644919157029},{"text":"Yes.","start":892.66504,"end":893.16504,"sentiment":"neutral","sentiment_score":0.012300023809075356},{"text":"No.","start":899.39996,"end":899.72,"sentiment":"neutral","sentiment_score":-0.25393348932266235},{"text":"Yeah.","start":899.72,"end":900.22,"sentiment":"neutral","sentiment_score":-0.22621214389801023}],"sentiment":"neutral","sentiment_score":0.017329268423574313,"num_words":28,"start":873.93,"end":900.22},{"sentences":[{"text":"Yeah.","start":906.83997,"end":907.32,"sentiment":"neutral","sentiment_score":-0.050960082560777664},{"text":"And, realistically, you've been working.","start":907.32,"end":909.33997,"sentiment":"neutral","sentiment_score":-0.03541262745857239},{"text":"Yeah.","start":909.65497,"end":909.895,"sentiment":"neutral","sentiment_score":-0.00958746112883091},{"text":"And, realistically, you've been working as a sole trader for the last year and and working for other people, so your marginal tax rate might be certainly higher.","start":909.895,"end":917.435,"sentiment":"neutral","sentiment_score":-0.05166693563972201},{"text":"Yeah.","start":917.575,"end":918.075,"sentiment":"neutral","sentiment_score":0.015182293951511385}],"sentiment":"neutral","sentiment_score":-0.04636396069286598,"num_words":36,"start":906.83997,"end":918.075},{"sentences":[{"text":"Yeah.","start":919.735,"end":920.235,"sentiment":"neutral","sentiment_score":0.037334684282541275},{"text":"Yeah.","start":922.95,"end":923.35004,"sentiment":"neutral","sentiment_score":0.05275321006774902},{"text":"Most people do look at the yeah.","start":923.35004,"end":925.75,"sentiment":"neutral","sentiment_score":0.06170810439756939},{"text":"Most people do look at the deductible for that reason to make it easier.","start":925.75,"end":929.21,"sentiment":"neutral","sentiment_score":0.09519454038568906},{"text":"Yeah.","start":929.51,"end":930.01,"sentiment":"neutral","sentiment_score":0.0639548972249031}],"sentiment":"neutral","sentiment_score":0.07994679532324274,"num_words":24,"start":919.735,"end":930.01},{"sentences":[{"text":"Yep.","start":932.15,"end":932.65,"sentiment":"neutral","sentiment_score":0.15363046526908877},{"text":"That's okay.","start":932.95,"end":933.85004,"sentiment":"neutral","sentiment_score":0.2943730652332306},{"text":"That's alright.","start":934.785,"end":935.52496,"sentiment":"neutral","sentiment_score":0.14783115684986115},{"text":"Did you want did you want some did you want me to email you or or did you wanna let us know once you've made that contribution to Super?","start":935.58496,"end":944.945,"sentiment":"neutral","sentiment_score":0.09181404884519248},{"text":"Or do you need us to give you the details of how to make that contribution as a deductible contribution?","start":944.945,"end":947.83386,"sentiment":"neutral","sentiment_score":0.09885155037045479}],"sentiment":"neutral","sentiment_score":0.10514217283990648,"num_words":54,"start":932.15,"end":947.83386},{"sentences":[{"text":"How where to transfer the money to or how to transfer the money to a deductible contribution?","start":947.83386,"end":950.9566,"sentiment":"neutral","sentiment_score":0.0585189959143891},{"text":"How where to transfer the money to or how to transfer the money to Super?","start":950.9566,"end":956.16003,"sentiment":"neutral","sentiment_score":0.12007571778570612},{"text":"Yep.","start":956.28,"end":956.76,"sentiment":"positive","sentiment_score":0.4596458077430725},{"text":"Beautiful.","start":956.76,"end":957.16003,"sentiment":"positive","sentiment_score":0.6411542296409607},{"text":"What I'll do is I'll send you an email after the call if you like.","start":957.16003,"end":959.56,"sentiment":"neutral","sentiment_score":0.16688094933827718}],"sentiment":"neutral","sentiment_score":0.13061169336302852,"num_words":49,"start":947.83386,"end":959.56},{"sentences":[{"text":"It'll just give you a rundown on what the the deductible contribution is just relaying kind of what we've kinda gone through there.","start":959.56,"end":965.565,"sentiment":"neutral","sentiment_score":0.12333573886881703},{"text":"It'll have just a snippet of the bank account details for your super fund.","start":966.02496,"end":971.085,"sentiment":"neutral","sentiment_score":0.09920961516244071},{"text":"If you decide you wanna make that as a deductible contribution, they realistically need to be in before the twentieth of this month.","start":971.545,"end":978.45,"sentiment":"neutral","sentiment_score":0.03762029921231062},{"text":"So trying to make that as soon as possible.","start":978.45,"end":980.47003,"sentiment":"neutral","sentiment_score":0.03894978161487314},{"text":"No.","start":984.37,"end":984.61,"sentiment":"neutral","sentiment_score":-0.02583922259509563}],"sentiment":"neutral","sentiment_score":0.07736617571541242,"num_words":70,"start":959.56,"end":984.61},{"sentences":[{"text":"Well, it needs to be in there before the thirtieth of this month.","start":984.61,"end":987.825,"sentiment":"neutral","sentiment_score":-0.00016090023116423533},{"text":"But, realistically, once the money goes into the super fund, your super fund has to receive it and then also, you know, move that money around or allocate it correctly.","start":987.825,"end":997.685,"sentiment":"neutral","sentiment_score":0.07290960798660914},{"text":"And it can take the super funds a bit of time to do that.","start":997.98505,"end":1001.04,"sentiment":"neutral","sentiment_score":0.0007320791482925415},{"text":"So it's not an automatic system.","start":1001.04,"end":1002.95996,"sentiment":"neutral","sentiment_score":0.02127645133684079},{"text":"They actually receive the money and then have to allocate it to the right part of your account and cross check a few things.","start":1002.95996,"end":1009.77997,"sentiment":"neutral","sentiment_score":0.07798034464940429}],"sentiment":"neutral","sentiment_score":0.048214168095126235,"num_words":87,"start":984.61,"end":1009.77997},{"sentences":[{"text":"So we like to sort of suggest try and have it in there no later than the twentieth of of this month.","start":1010.0,"end":1015.425,"sentiment":"neutral","sentiment_score":0.0915969034487551},{"text":"That way, it's in there with ten days to spare to make sure that it gets allocated correctly.","start":1015.745,"end":1020.725,"sentiment":"neutral","sentiment_score":0.15554062773784003},{"text":"Just because you do find there is a lot of people who are trying to make contributions before the end of the financial year, and there are a lot of people transferring the last two or three days, it's very easy for things to get missed or for the super fund team to forget or not allocated or just missed that.","start":1021.185,"end":1037.22,"sentiment":"neutral","sentiment_score":0.06307063770831609},{"text":"So it just gives that a little extra leniency, just making sure that you're covering your bases but with enough time for the super fund to do everything they need to do.","start":1037.22,"end":1046.225,"sentiment":"neutral","sentiment_score":0.13689689268358052},{"text":"Okay?","start":1046.225,"end":1046.725,"sentiment":"neutral","sentiment_score":0.059348516166210175}],"sentiment":"neutral","sentiment_score":0.09777776983135672,"num_words":134,"start":1010.0,"end":1046.725},{"sentences":[{"text":"Yep.","start":1047.745,"end":1048.245,"sentiment":"neutral","sentiment_score":0.09057030081748962},{"text":"Excellent.","start":1049.345,"end":1049.845,"sentiment":"neutral","sentiment_score":0.08568771183490753},{"text":"I'll send you I'll send you an email shortly.","start":1049.905,"end":1052.245,"sentiment":"positive","sentiment_score":0.40940109888712567},{"text":"That's okay.","start":1052.305,"end":1052.865,"sentiment":"positive","sentiment_score":0.5481451749801636},{"text":"Just sort of outlining that deductible.","start":1052.865,"end":1054.545,"sentiment":"positive","sentiment_score":0.38851186633110046}],"sentiment":"positive","sentiment_score":0.3835910237149188,"num_words":19,"start":1047.745,"end":1054.545},{"sentences":[{"text":"It'll have the details there for you.","start":1054.545,"end":1056.225,"sentiment":"positive","sentiment_score":0.35317266838891165},{"text":"If you have additional questions, come back and let me know.","start":1056.225,"end":1058.965,"sentiment":"neutral","sentiment_score":0.21882360767234454},{"text":"And then if you wanna let me know once you've made that contribution, we can go and claim that notice of intent for you.","start":1059.57,"end":1066.61,"sentiment":"neutral","sentiment_score":0.22042079145709673},{"text":"Okay?","start":1066.61,"end":1067.11,"sentiment":"neutral","sentiment_score":0.08122357726097107},{"text":"Yeah.","start":1073.105,"end":1073.605,"sentiment":"neutral","sentiment_score":0.02668410912156105}],"sentiment":"neutral","sentiment_score":0.23357443282888693,"num_words":44,"start":1054.545,"end":1073.605},{"sentences":[{"text":"No.","start":1084.2,"end":1084.44,"sentiment":"neutral","sentiment_score":-0.11962980031967164},{"text":"It shouldn't make any difference because as a sole trader, all of the income that you receive is it's all added to your personal name anyway.","start":1084.44,"end":1092.0399,"sentiment":"neutral","sentiment_score":-0.007236075301009875},{"text":"It's all taxed the same way, so that shouldn't be a problem.","start":1092.0399,"end":1094.7799,"sentiment":"neutral","sentiment_score":0.008640491612216769},{"text":"Yeah.","start":1095.0,"end":1095.5,"sentiment":"neutral","sentiment_score":0.10656630992889404},{"text":"Excellent.","start":1097.3151,"end":1097.8151,"sentiment":"positive","sentiment_score":0.7784523963928223}],"sentiment":"neutral","sentiment_score":0.016608215793229002,"num_words":41,"start":1084.2,"end":1097.8151},{"sentences":[{"text":"That's okay.","start":1098.8351,"end":1099.655,"sentiment":"neutral","sentiment_score":0.2573087364435196},{"text":"That would honestly be something for your accountant.","start":1114.29,"end":1116.79,"sentiment":"neutral","sentiment_score":0.14805800560861826},{"text":"That is taking into account sort of the the whole financial taxable side of things.","start":1117.73,"end":1122.645,"sentiment":"neutral","sentiment_score":0.025917683790127436},{"text":"And there's other things to consider there, like CGT credits, the overall tax component, how much your loan would cost that you'd have to repay, what the deductibility is, what kind of car you're looking at.","start":1122.645,"end":1135.145,"sentiment":"neutral","sentiment_score":0.05772023637675577},{"text":"They've also gotta take into account things like fringe benefits, tax, how to keep the records completed as correctly as possible for the ATO and depreciation and things like that.","start":1135.17,"end":1146.29,"sentiment":"neutral","sentiment_score":0.076993453130126}],"sentiment":"neutral","sentiment_score":0.07116020745137236,"num_words":91,"start":1098.8351,"end":1146.29},{"sentences":[{"text":"So definitely have a a chat to your accountant about purchasing a motor vehicle through the company.","start":1146.29,"end":1152.615,"sentiment":"neutral","sentiment_score":0.14156889915466309},{"text":"That would definitely be a them thing, and they'll be able to have a really good look at whether that's worthwhile for you.","start":1152.8351,"end":1158.375,"sentiment":"neutral","sentiment_score":0.2674951650526213},{"text":"Okay?","start":1158.515,"end":1159.015,"sentiment":"neutral","sentiment_score":0.12062731385231018},{"text":"Yep.","start":1159.9551,"end":1160.4551,"sentiment":"neutral","sentiment_score":0.24995163083076477},{"text":"That's okay.","start":1162.035,"end":1162.755,"sentiment":"positive","sentiment_score":0.4151415228843689}],"sentiment":"neutral","sentiment_score":0.22181641073389488,"num_words":44,"start":1146.29,"end":1162.755},{"sentences":[{"text":"I'll send you a recap email just letting you in on those last couple of things.","start":1162.755,"end":1166.4801,"sentiment":"neutral","sentiment_score":0.30282425601035357},{"text":"And if you find you have any additional questions, let me know.","start":1166.4801,"end":1169.36,"sentiment":"neutral","sentiment_score":0.11743005240956943},{"text":"Okay?","start":1169.36,"end":1169.86,"sentiment":"neutral","sentiment_score":0.085911326110363},{"text":"No worries.","start":1172.9601,"end":1173.68,"sentiment":"positive","sentiment_score":0.4825151860713959},{"text":"I hope you have a good evening.","start":1173.68,"end":1175.2201,"sentiment":"positive","sentiment_score":0.7452626483780997}],"sentiment":"neutral","sentiment_score":0.3295297095257985,"num_words":38,"start":1162.755,"end":1175.2201},{"sentences":[{"text":"Thanks.","start":1177.4401,"end":1177.92,"sentiment":"positive","sentiment_score":0.7476819753646851},{"text":"See you later.","start":1177.92,"end":1178.56,"sentiment":"positive","sentiment_score":0.5918370683987936},{"text":"Bye.","start":1178.56,"end":1179.06,"sentiment":"neutral","sentiment_score":0.3294679820537567}],"sentiment":"positive","sentiment_score":0.5705322325229645,"num_words":5,"start":1177.4401,"end":1179.06}]}}]},{"alternatives":[{"transcript":"If you record your name and reason for calling, I'll see if this person is available. Thanks. Please stay on the line. Hello. Christie speaking. I'm very well. Yourself? Yes. Yes. Yes. Yes. Yes. My full name is j I e l I u. 10/29/1973. 60 Woodlands Drive, Sonland 4164. Very busy at work. Always not always something on. Just depends on whether I I when I want a stop. Yes. I was working as a sole trader before, but since the income has increased, Yeah. The client database has set up and growing. So I I think I'd better move into a company structure instead, like, for for the tax tax benefits. Yes. Thank you. Yes. Yes. I was thinking of retire, but decide that my clients wouldn't let me. Yes. So, yeah, my quest yeah. My question is, like, before end of the financial year, what I can do for the super to so that I can get the best tax that benefits? Because my company has already set up since twenty twenty sixth of May this year. Yep. May 26. And my I checked the super contributions up today. It's $4,815.20. It's from my previous employer, Empire Care. And, yeah, and then I, I went solo since, yeah, partial solo since, May last year, and then went totally solo as a sole trader since November mid November last year. And but I haven't made any contribution from my sole trader business. So yeah. And also from May 26, my company has set up. So how can I like, what what would be the best combination for my super contribution? I just need your advice. Yes. Mhmm. I wanted to put to towards the cap. But is there any difference the contribution is from myself, like, the as the sole trader or from my company? Mhmm. Okay. Yeah. Well, by saying the company, like, employer contribution, because my company was just set up a few days ago. Can can the company contribute, like, a such good great amount for an like, for employee or or the director just within a little bit over a month's time. Is that okay, or is it? Mhmm. Mhmm. I know that. Yeah. Overinvest in the yeah. Overinvest in the yeah. Mhmm. Mhmm. Mhmm. Yep. Mhmm. Mhmm. I can yes. From my own personal account. Because I haven't transfer any funds into my company account yet. Yeah. But I have I do have funds from my Soul Trader account, the business account. Yeah. Well, there's sufficient funds to pay the like, to contribute the balance of the this year's limit. Yeah. Like, over 25,000. Yeah. So and then the the like, either way, the contribution will stay in my super account until the I am eligible to claim from it. Right? Yep. Yep. Mhmm. Okay. For my age, is the eligible retired age will be 67. Eight sixty. Uh-huh. Mhmm. Yes. Okay. Oh, okay. Oh, that's for age pension. 67. Oh, no. I thought I just retire as soon as possible. But yeah. So yeah. Yeah. Age 60. So for my age, 73. So I might need there will be seven years to go. Yeah. It's not it's not early. Yeah. It's not earlier, but I can't access my phone. Yeah. Yeah. Yeah. Okay. Thanks for letting me know know about this. Yeah. Okay. I think after the discussion today, I might just like, the easiest way to contribute to get a tax benefits to my super at the moment might be just direct transfer the funds to to the super account with the amount that I'm still most comfortable with. And because setting up the com company contribution, we haven't haven't worked on it yet. Just, you know, the business just set up and the the company just set up. There are so many things to go through, and I'm not sure whether my accountant will get that done that soon. So just no no no difference to my tax then benefit. Right? The deductible contribution and the company contribution, the maximum is the same and the tax benefits is the same. Right? Yep. Yep. Yes. Mhmm. Uh-huh. Oh, yeah. Okay. Yeah. Understand. Thank you so much. Probably just deduct the other deductible contribution because it's pushing close to the end of the financial year and for the company. Not that reasonable to make the huge contribution within just one month, and I I wonder I wanna take the pressure from my cash flow. My s like, my personal income. Yeah. Yes. Yes. Yes. So I I want this tax benefits from my my personal income. Yes. Yes. Yeah. Okay. Thank you so much for your advice. Yeah. Yeah. That will be great. Yes. Mhmm. Oh. Oh. Oh, okay. Not the thirtieth. Yep. Yep. Yep. Yep. Yeah. Yeah. Mhmm. Yep. Yep. Yeah. Yep. Okay. Sure. Alright. Thank you so much. Yep. Okay. Can I ask for that deductible contribution, does it matter the funds were transferred from my Soul Trader Business account or from my personal account? Any difference? Yes. Okay. Okay. Not a problem. Thank you. And also, can I can I ask whether you can give me some advice for the, say, the company car if I want plan to buy a company car? Is it a question from, for you or for my accountant? Okay. Mhmm. Yeah. Mhmm. Yes. Okay. Thank you so much, Dana. Mhmm. Okay. Yep. Will do. Thank you. You too. 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you record your name and reason for calling, I'll see if this person is available. Thanks. Please stay on the line. Hello. Christie speaking.\n\nI'm very well. Yourself? Yes. Yes. Yes.\n\nYes. Yes. My full name is j I e l I u. 10/29/1973. 60 Woodlands Drive, Sonland 4164.\n\nVery busy at work. Always not always something on. Just depends on whether I I when I want a stop. Yes. I was working as a sole trader before, but since the income has increased, Yeah.\n\nThe client database has set up and growing. So I I think I'd better move into a company structure instead, like, for for the tax tax benefits. Yes. Thank you. Yes.\n\nYes. I was thinking of retire, but decide that my clients wouldn't let me. Yes. So, yeah, my quest yeah. My question is, like, before end of the financial year, what I can do for the super to so that I can get the best tax that benefits?\n\nBecause my company has already set up since twenty twenty sixth of May this year. Yep. May 26. And my I checked the super contributions up today. It's $4,815.20.\n\nIt's from my previous employer, Empire Care. And, yeah, and then I, I went solo since, yeah, partial solo since, May last year, and then went totally solo as a sole trader since November mid November last year. And but I haven't made any contribution from my sole trader business. So yeah. And also from May 26, my company has set up.\n\nSo how can I like, what what would be the best combination for my super contribution? I just need your advice. Yes. Mhmm. I wanted to put to towards the cap.\n\nBut is there any difference the contribution is from myself, like, the as the sole trader or from my company? Mhmm. Okay. Yeah. Well, by saying the company, like, employer contribution, because my company was just set up a few days ago.\n\nCan can the company contribute, like, a such good great amount for an like, for employee or or the director just within a little bit over a month's time. Is that okay, or is it? Mhmm. Mhmm. I know that.\n\nYeah. Overinvest in the yeah. Overinvest in the yeah. Mhmm. Mhmm.\n\nMhmm. Yep. Mhmm. Mhmm. I can yes.\n\nFrom my own personal account. Because I haven't transfer any funds into my company account yet. Yeah. But I have I do have funds from my Soul Trader account, the business account. Yeah.\n\nWell, there's sufficient funds to pay the like, to contribute the balance of the this year's limit. Yeah. Like, over 25,000. Yeah. So and then the the like, either way, the contribution will stay in my super account until the I am eligible to claim from it.\n\nRight? Yep. Yep. Mhmm. Okay.\n\nFor my age, is the eligible retired age will be 67. Eight sixty. Uh-huh. Mhmm. Yes.\n\nOkay. Oh, okay. Oh, that's for age pension. 67. Oh, no.\n\nI thought I just retire as soon as possible. But yeah. So yeah. Yeah. Age 60.\n\nSo for my age, 73. So I might need there will be seven years to go. Yeah. It's not it's not early. Yeah.\n\nIt's not earlier, but I can't access my phone. Yeah. Yeah. Yeah. Okay.\n\nThanks for letting me know know about this. Yeah. Okay. I think after the discussion today, I might just like, the easiest way to contribute to get a tax benefits to my super at the moment might be just direct transfer the funds to to the super account with the amount that I'm still most comfortable with. And because setting up the com company contribution, we haven't haven't worked on it yet.\n\nJust, you know, the business just set up and the the company just set up. There are so many things to go through, and I'm not sure whether my accountant will get that done that soon. So just no no no difference to my tax then benefit. Right? The deductible contribution and the company contribution, the maximum is the same and the tax benefits is the same.\n\nRight? Yep. Yep. Yes. Mhmm.\n\nUh-huh. Oh, yeah. Okay. Yeah. Understand.\n\nThank you so much. Probably just deduct the other deductible contribution because it's pushing close to the end of the financial year and for the company. Not that reasonable to make the huge contribution within just one month, and I I wonder I wanna take the pressure from my cash flow. My s like, my personal income. Yeah.\n\nYes. Yes. Yes. So I I want this tax benefits from my my personal income. Yes.\n\nYes. Yeah. Okay. Thank you so much for your advice. Yeah.\n\nYeah. That will be great. Yes. Mhmm. Oh.\n\nOh. Oh, okay. Not the thirtieth. Yep. Yep.\n\nYep. Yep. Yeah. Yeah. Mhmm.\n\nYep. Yep. Yeah. Yep. Okay.\n\nSure. Alright. Thank you so much. Yep. Okay.\n\nCan I ask for that deductible contribution, does it matter the funds were transferred from my Soul Trader Business account or from my personal account? Any difference? Yes. Okay. Okay.\n\nNot a problem. Thank you. And also, can I can I ask whether you can give me some advice for the, say, the company car if I want plan to buy a company car? Is it a question from, for you or for my accountant? Okay.\n\nMhmm. Yeah. Mhmm. Yes. Okay.\n\nThank you so much, Dana. Mhmm. Okay. Yep. Will do.\n\nThank you. You too. Bye.","paragraphs":[{"sentences":[{"text":"If you record your name and reason for calling, I'll see if this person is available.","start":0.16,"end":4.5,"sentiment":"neutral","sentiment_score":0.016343211580533534},{"text":"Thanks.","start":16.015,"end":16.515,"sentiment":"neutral","sentiment_score":0.27402862906455994},{"text":"Please stay on the line.","start":16.735,"end":18.195,"sentiment":"neutral","sentiment_score":0.13440716862678528},{"text":"Hello.","start":20.015,"end":20.515,"sentiment":"neutral","sentiment_score":0.044932954013347626},{"text":"Christie speaking.","start":20.575,"end":21.475,"sentiment":"neutral","sentiment_score":0.03616079315543175}],"sentiment":"neutral","sentiment_score":0.05299241591244936,"num_words":25,"start":0.16,"end":21.475},{"sentences":[{"text":"I'm very well.","start":26.72,"end":27.759998,"sentiment":"positive","sentiment_score":0.4371960461139679},{"text":"Yourself?","start":27.759998,"end":28.259998,"sentiment":"neutral","sentiment_score":0.26355642080307007},{"text":"Yes.","start":38.399998,"end":38.719997,"sentiment":"neutral","sentiment_score":0.12307767570018768},{"text":"Yes.","start":38.719997,"end":39.219997,"sentiment":"neutral","sentiment_score":0.20198354125022888},{"text":"Yes.","start":49.204998,"end":49.605,"sentiment":"neutral","sentiment_score":0.10128559172153472}],"sentiment":"neutral","sentiment_score":0.28592733825956074,"num_words":7,"start":26.72,"end":49.605},{"sentences":[{"text":"Yes.","start":49.605,"end":50.105,"sentiment":"neutral","sentiment_score":0.17317286133766174},{"text":"Yes.","start":58.91,"end":59.41,"sentiment":"neutral","sentiment_score":0.054603952914476395},{"text":"My full name is j I e l I u.","start":59.55,"end":62.77,"sentiment":"neutral","sentiment_score":0.03764299973845482},{"text":"10/29/1973.","start":63.47,"end":66.29,"sentiment":"neutral","sentiment_score":0.026068899780511856},{"text":"60 Woodlands Drive, Sonland 4164.","start":66.725,"end":71.865,"sentiment":"neutral","sentiment_score":0.06506717503070832}],"sentiment":"neutral","sentiment_score":0.053089532587263316,"num_words":18,"start":49.605,"end":71.865},{"sentences":[{"text":"Very busy at work.","start":76.725,"end":78.345,"sentiment":"neutral","sentiment_score":-0.15794962458312511},{"text":"Always not always something on.","start":86.2,"end":89.18,"sentiment":"neutral","sentiment_score":-0.09243942946195602},{"text":"Just depends on whether I I when I want a stop.","start":89.64,"end":96.075,"sentiment":"neutral","sentiment_score":-0.042737948623570526},{"text":"Yes.","start":97.05499,"end":97.55499,"sentiment":"neutral","sentiment_score":-0.011027561500668526},{"text":"I was working as a sole trader before, but since the income has increased, Yeah.","start":98.534996,"end":109.32,"sentiment":"neutral","sentiment_score":-0.021407338852683703}],"sentiment":"neutral","sentiment_score":-0.05267363124423557,"num_words":36,"start":76.725,"end":109.32},{"sentences":[{"text":"The client database has set up and growing.","start":109.32,"end":114.78,"sentiment":"neutral","sentiment_score":-0.012655692407861352},{"text":"So I I think I'd better move into a company structure instead, like, for for the tax tax benefits.","start":115.56,"end":126.515,"sentiment":"neutral","sentiment_score":-0.038488601873579775},{"text":"Yes.","start":126.815,"end":127.315,"sentiment":"neutral","sentiment_score":0.03987326100468635},{"text":"Thank you.","start":131.85501,"end":132.755,"sentiment":"neutral","sentiment_score":0.19832942634820938},{"text":"Yes.","start":135.935,"end":136.335,"sentiment":"neutral","sentiment_score":-0.07240520417690277}],"sentiment":"neutral","sentiment_score":-0.015109744043119492,"num_words":31,"start":109.32,"end":136.335},{"sentences":[{"text":"Yes.","start":136.335,"end":136.835,"sentiment":"neutral","sentiment_score":-0.07830685377120972},{"text":"I was thinking of retire, but decide that my clients wouldn't let me.","start":137.935,"end":142.87001,"sentiment":"neutral","sentiment_score":-0.21656190030849898},{"text":"Yes.","start":147.09,"end":147.59,"sentiment":"neutral","sentiment_score":-0.025794174522161484},{"text":"So, yeah, my quest yeah.","start":148.05,"end":150.85,"sentiment":"neutral","sentiment_score":0.053160092048347},{"text":"My question is, like, before end of the financial year, what I can do for the super to so that I can get the best tax that benefits?","start":150.85,"end":165.065,"sentiment":"neutral","sentiment_score":0.15285130443849734}],"sentiment":"neutral","sentiment_score":0.03387981775449589,"num_words":48,"start":136.335,"end":165.065},{"sentences":[{"text":"Because my company has already set up since twenty twenty sixth of May this year.","start":165.205,"end":172.28,"sentiment":"neutral","sentiment_score":0.07614849830667178},{"text":"Yep.","start":172.28,"end":172.59999,"sentiment":"neutral","sentiment_score":0.14086084067821503},{"text":"May 26.","start":172.59999,"end":173.98,"sentiment":"neutral","sentiment_score":0.1075974777340889},{"text":"And my I checked the super contributions up today.","start":174.28,"end":181.815,"sentiment":"neutral","sentiment_score":0.14735706481668684},{"text":"It's $4,815.20.","start":182.035,"end":186.93501,"sentiment":"neutral","sentiment_score":0.0737704373896122}],"sentiment":"neutral","sentiment_score":0.1024840596164095,"num_words":29,"start":165.205,"end":186.93501},{"sentences":[{"text":"It's from my previous employer, Empire Care.","start":188.035,"end":192.375,"sentiment":"neutral","sentiment_score":0.023327553777822425},{"text":"And, yeah, and then I, I went solo since, yeah, partial solo since, May last year, and then went totally solo as a sole trader since November mid November last year.","start":193.73999,"end":212.33499,"sentiment":"neutral","sentiment_score":0.01157852556676634},{"text":"And but I haven't made any contribution from my sole trader business.","start":212.555,"end":216.93,"sentiment":"neutral","sentiment_score":-0.2380629607165853},{"text":"So yeah.","start":218.12999,"end":219.09,"sentiment":"neutral","sentiment_score":0.04193693399429321},{"text":"And also from May 26, my company has set 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cap.","start":288.285,"end":292.94498,"sentiment":"neutral","sentiment_score":0.04571017390117049}],"sentiment":"neutral","sentiment_score":0.12088937540688822,"num_words":31,"start":225.25,"end":292.94498},{"sentences":[{"text":"But is there any difference the contribution is from myself, like, the as the sole trader or from my company?","start":293.805,"end":302.065,"sentiment":"neutral","sentiment_score":-0.06392129734158516},{"text":"Mhmm.","start":335.24,"end":335.74,"sentiment":"neutral","sentiment_score":0.08216022700071335},{"text":"Okay.","start":345.04498,"end":345.54498,"sentiment":"neutral","sentiment_score":0.08693744242191315},{"text":"Yeah.","start":346.805,"end":347.285,"sentiment":"neutral","sentiment_score":0.10462851822376253},{"text":"Well, by saying the company, like, employer contribution, because my company was just set up a few days ago.","start":347.285,"end":355.945,"sentiment":"neutral","sentiment_score":0.08833233835665803}],"sentiment":"neutral","sentiment_score":0.016038444514075916,"num_words":42,"start":293.805,"end":355.945},{"sentences":[{"text":"Can can the company contribute, like, a such good great amount for an like, for employee or or the director just within a little bit over a month's time.","start":357.205,"end":377.41498,"sentiment":"positive","sentiment_score":0.37431304310930186},{"text":"Is that okay, or is it?","start":377.41498,"end":380.315,"sentiment":"neutral","sentiment_score":0.12281952798366547},{"text":"Mhmm.","start":392.17,"end":392.67,"sentiment":"neutral","sentiment_score":0.07488854974508286},{"text":"Mhmm.","start":415.08,"end":415.58,"sentiment":"neutral","sentiment_score":-0.06861677765846252},{"text":"I know that.","start":415.8,"end":416.78,"sentiment":"neutral","sentiment_score":-0.06664511809746425}],"sentiment":"neutral","sentiment_score":0.28495829589664934,"num_words":40,"start":357.205,"end":416.78},{"sentences":[{"text":"Yeah.","start":417.56,"end":418.06,"sentiment":"neutral","sentiment_score":-0.025690551847219467},{"text":"Overinvest in the yeah.","start":419.72,"end":422.36,"sentiment":"neutral","sentiment_score":-0.06685291789472103},{"text":"Overinvest in the yeah.","start":422.36,"end":424.78,"sentiment":"neutral","sentiment_score":0.023589779622852802},{"text":"Mhmm.","start":452.03,"end":452.53,"sentiment":"neutral","sentiment_score":0.1678333431482315},{"text":"Mhmm.","start":465.16498,"end":465.66498,"sentiment":"neutral","sentiment_score":0.16553694009780884}],"sentiment":"neutral","sentiment_score":0.012238834391940723,"num_words":11,"start":417.56,"end":465.66498},{"sentences":[{"text":"Mhmm.","start":472.87,"end":473.37,"sentiment":"neutral","sentiment_score":0.16601458191871643},{"text":"Yep.","start":495.975,"end":496.41,"sentiment":"neutral","sentiment_score":0.24632379412651065},{"text":"Mhmm.","start":509.37,"end":509.865,"sentiment":"neutral","sentiment_score":0.14604699611663818},{"text":"Mhmm.","start":531.76,"end":532.26,"sentiment":"neutral","sentiment_score":0.09699809551239014},{"text":"I can yes.","start":553.27,"end":555.61,"sentiment":"neutral","sentiment_score":-0.2431776449084282}],"sentiment":"neutral","sentiment_score":-0.010592781007289886,"num_words":7,"start":472.87,"end":555.61},{"sentences":[{"text":"From my own personal account.","start":555.67,"end":557.45,"sentiment":"neutral","sentiment_score":-0.004270252212882042},{"text":"Because I haven't transfer any funds into my company account yet.","start":557.58997,"end":561.93,"sentiment":"neutral","sentiment_score":-0.06228147362443534},{"text":"Yeah.","start":563.27,"end":563.58997,"sentiment":"neutral","sentiment_score":0.07289867103099823},{"text":"But I have I do have funds from my Soul Trader account, the business account.","start":563.58997,"end":568.905,"sentiment":"neutral","sentiment_score":0.18155293265978495},{"text":"Yeah.","start":569.445,"end":569.685,"sentiment":"neutral","sentiment_score":0.14731431007385254}],"sentiment":"neutral","sentiment_score":0.06778968182025534,"num_words":33,"start":555.67,"end":569.685},{"sentences":[{"text":"Well, there's sufficient funds to pay the like, to contribute the balance of the this year's limit.","start":569.685,"end":580.19,"sentiment":"neutral","sentiment_score":0.2308673727161744},{"text":"Yeah.","start":580.89,"end":581.29004,"sentiment":"neutral","sentiment_score":0.14119619131088257},{"text":"Like, over 25,000.","start":581.29004,"end":586.27,"sentiment":"neutral","sentiment_score":0.19045352190732956},{"text":"Yeah.","start":586.87,"end":587.37,"sentiment":"neutral","sentiment_score":0.15520715713500977},{"text":"So and then the the like, either way, the contribution will stay in my super account until the I am eligible to claim from it.","start":587.97003,"end":603.47504,"sentiment":"neutral","sentiment_score":0.2406463485956192}],"sentiment":"neutral","sentiment_score":0.22997165883475162,"num_words":47,"start":569.685,"end":603.47504},{"sentences":[{"text":"Right?","start":603.47504,"end":603.97504,"sentiment":"neutral","sentiment_score":0.13265679776668549},{"text":"Yep.","start":604.35504,"end":604.835,"sentiment":"neutral","sentiment_score":0.1204300820827484},{"text":"Yep.","start":604.835,"end":605.335,"sentiment":"neutral","sentiment_score":0.12563973665237427},{"text":"Mhmm.","start":612.77997,"end":613.27997,"sentiment":"neutral","sentiment_score":-0.02099127508699894},{"text":"Okay.","start":616.77997,"end":617.27997,"sentiment":"neutral","sentiment_score":0.016744164749979973}],"sentiment":"neutral","sentiment_score":0.07489590123295783,"num_words":5,"start":603.47504,"end":617.27997},{"sentences":[{"text":"For my age, is the eligible retired age will be 67.","start":617.66,"end":626.4,"sentiment":"neutral","sentiment_score":0.00044803888621655375},{"text":"Eight sixty.","start":630.83496,"end":631.735,"sentiment":"neutral","sentiment_score":-0.07578881829977036},{"text":"Uh-huh.","start":644.78,"end":645.28,"sentiment":"neutral","sentiment_score":-0.1523585170507431},{"text":"Mhmm.","start":648.14,"end":648.64,"sentiment":"neutral","sentiment_score":-0.018763622269034386},{"text":"Yes.","start":653.5,"end":654.0,"sentiment":"neutral","sentiment_score":0.03627447038888931}],"sentiment":"neutral","sentiment_score":-0.017593554861377925,"num_words":16,"start":617.66,"end":654.0},{"sentences":[{"text":"Okay.","start":664.925,"end":665.245,"sentiment":"neutral","sentiment_score":0.0737650990486145},{"text":"Oh, okay.","start":665.245,"end":666.14496,"sentiment":"neutral","sentiment_score":0.0884074866771698},{"text":"Oh, that's for age pension.","start":671.27997,"end":672.82,"sentiment":"neutral","sentiment_score":0.029035110771656037},{"text":"67.","start":673.83997,"end":674.74,"sentiment":"neutral","sentiment_score":0.004414059221744537},{"text":"Oh, no.","start":674.95996,"end":678.42,"sentiment":"neutral","sentiment_score":-0.1273653507232666}],"sentiment":"neutral","sentiment_score":0.013221725821495054,"num_words":11,"start":664.925,"end":678.42},{"sentences":[{"text":"I thought I just retire as soon as possible.","start":678.63995,"end":682.54504,"sentiment":"neutral","sentiment_score":-0.20271815856297812},{"text":"But yeah.","start":683.885,"end":684.78503,"sentiment":"neutral","sentiment_score":0.06561456620693207},{"text":"So yeah.","start":685.005,"end":687.185,"sentiment":"neutral","sentiment_score":0.1924476996064186},{"text":"Yeah.","start":689.565,"end":690.04504,"sentiment":"neutral","sentiment_score":0.04962491616606712},{"text":"Age 60.","start":690.04504,"end":691.025,"sentiment":"neutral","sentiment_score":0.035365160554647446}],"sentiment":"neutral","sentiment_score":-0.07424897863529623,"num_words":16,"start":678.63995,"end":691.025},{"sentences":[{"text":"So for my age, 73.","start":691.16504,"end":695.81,"sentiment":"neutral","sentiment_score":0.018684345483779907},{"text":"So I might need there will be seven years to go.","start":695.87,"end":700.53,"sentiment":"neutral","sentiment_score":-0.011097732931375504},{"text":"Yeah.","start":701.95,"end":702.43,"sentiment":"neutral","sentiment_score":0.03881121054291725},{"text":"It's not it's not early.","start":702.43,"end":704.21,"sentiment":"neutral","sentiment_score":-0.023108228296041488},{"text":"Yeah.","start":706.635,"end":707.035,"sentiment":"neutral","sentiment_score":0.08755487203598022}],"sentiment":"neutral","sentiment_score":-0.0007751475533713465,"num_words":23,"start":691.16504,"end":707.035},{"sentences":[{"text":"It's not earlier, but I can't access my phone.","start":707.035,"end":711.055,"sentiment":"neutral","sentiment_score":-0.08905912775339352},{"text":"Yeah.","start":711.195,"end":711.695,"sentiment":"neutral","sentiment_score":0.06076011806726456},{"text":"Yeah.","start":713.195,"end":713.435,"sentiment":"neutral","sentiment_score":0.06653229892253876},{"text":"Yeah.","start":713.435,"end":713.935,"sentiment":"neutral","sentiment_score":0.12402741611003876},{"text":"Okay.","start":730.13,"end":730.53,"sentiment":"neutral","sentiment_score":0.2118401676416397}],"sentiment":"neutral","sentiment_score":-0.02602862684915845,"num_words":13,"start":707.035,"end":730.53},{"sentences":[{"text":"Thanks for letting me know know about this.","start":730.53,"end":733.11,"sentiment":"positive","sentiment_score":0.5380956642329693},{"text":"Yeah.","start":734.855,"end":735.355,"sentiment":"neutral","sentiment_score":0.23015418648719788},{"text":"Okay.","start":735.89496,"end":736.39496,"sentiment":"neutral","sentiment_score":0.14504367113113403},{"text":"I think after the discussion today, I might just like, the easiest way to contribute to get a tax benefits to my super at the moment might be just direct transfer the funds to to the super account with the amount that I'm still most comfortable with.","start":737.25494,"end":760.14,"sentiment":"neutral","sentiment_score":0.16600147832898385},{"text":"And because setting up the com company contribution, we haven't haven't worked on it yet.","start":760.545,"end":769.685,"sentiment":"neutral","sentiment_score":0.016574511552850404}],"sentiment":"neutral","sentiment_score":0.17681458786440393,"num_words":72,"start":730.53,"end":769.685},{"sentences":[{"text":"Just, you know, the business just set up and the the company just set up.","start":770.065,"end":774.145,"sentiment":"neutral","sentiment_score":0.038352914278705914},{"text":"There are so many things to go through, and I'm not sure whether my accountant will get that done that soon.","start":774.145,"end":782.7,"sentiment":"neutral","sentiment_score":-0.1310276072472334},{"text":"So just no no no difference to my tax then benefit.","start":783.16003,"end":788.62006,"sentiment":"neutral","sentiment_score":0.010896749117157675},{"text":"Right?","start":788.68005,"end":789.045,"sentiment":"neutral","sentiment_score":0.0958566889166832},{"text":"The deductible contribution and the company contribution, the maximum is the same and the tax benefits is the same.","start":789.285,"end":799.605,"sentiment":"neutral","sentiment_score":0.11755061541732989}],"sentiment":"neutral","sentiment_score":0.004073083345124971,"num_words":67,"start":770.065,"end":799.605},{"sentences":[{"text":"Right?","start":799.605,"end":800.105,"sentiment":"neutral","sentiment_score":0.1433139443397522},{"text":"Yep.","start":812.64,"end":813.14,"sentiment":"neutral","sentiment_score":0.08245541155338287},{"text":"Yep.","start":816.07996,"end":816.57996,"sentiment":"neutral","sentiment_score":0.1474945843219757},{"text":"Yes.","start":844.17004,"end":844.67004,"sentiment":"neutral","sentiment_score":0.32157862186431885},{"text":"Mhmm.","start":856.35504,"end":856.85504,"sentiment":"neutral","sentiment_score":0.10485537350177764}],"sentiment":"neutral","sentiment_score":0.15993958711624146,"num_words":5,"start":799.605,"end":856.85504},{"sentences":[{"text":"Uh-huh.","start":861.155,"end":861.655,"sentiment":"neutral","sentiment_score":-0.03402913361787796},{"text":"Oh, yeah.","start":863.77,"end":864.51,"sentiment":"neutral","sentiment_score":0.02865164540708065},{"text":"Okay.","start":869.05,"end":869.53,"sentiment":"neutral","sentiment_score":0.06444702297449112},{"text":"Yeah.","start":869.53,"end":869.93,"sentiment":"neutral","sentiment_score":0.05358576029539108},{"text":"Understand.","start":869.93,"end":870.43,"sentiment":"neutral","sentiment_score":0.04387415945529938}],"sentiment":"neutral","sentiment_score":0.030863516653577488,"num_words":6,"start":861.155,"end":870.43},{"sentences":[{"text":"Thank you so much.","start":871.77,"end":873.07,"sentiment":"neutral","sentiment_score":0.12795538268983364},{"text":"Probably just deduct the other deductible contribution because it's pushing close to the end of the financial year and for the company.","start":881.22504,"end":893.63,"sentiment":"neutral","sentiment_score":0.018630063245919617},{"text":"Not that reasonable to make the huge contribution within just one month, and I I wonder I wanna take the pressure from my cash flow.","start":894.81,"end":906.235,"sentiment":"neutral","sentiment_score":-0.3128074139356613},{"text":"My s like, my personal income.","start":906.695,"end":908.875,"sentiment":"neutral","sentiment_score":-0.040249157386521496},{"text":"Yeah.","start":917.415,"end":917.895,"sentiment":"neutral","sentiment_score":0.0018260013312101364}],"sentiment":"neutral","sentiment_score":-0.12307192015879113,"num_words":58,"start":871.77,"end":917.895},{"sentences":[{"text":"Yes.","start":917.895,"end":918.395,"sentiment":"neutral","sentiment_score":0.033050209283828735},{"text":"Yes.","start":918.455,"end":918.955,"sentiment":"neutral","sentiment_score":0.04253613576292992},{"text":"Yes.","start":919.2,"end":919.7,"sentiment":"neutral","sentiment_score":0.04548680782318115},{"text":"So I I want this tax benefits from my my personal income.","start":919.76,"end":926.58,"sentiment":"neutral","sentiment_score":0.054312573124965034},{"text":"Yes.","start":930.0,"end":930.48004,"sentiment":"neutral","sentiment_score":0.06971235573291779}],"sentiment":"neutral","sentiment_score":0.05265852413140237,"num_words":16,"start":917.895,"end":930.48004},{"sentences":[{"text":"Yes.","start":930.48004,"end":930.98004,"sentiment":"neutral","sentiment_score":0.07288685441017151},{"text":"Yeah.","start":931.04004,"end":931.54004,"sentiment":"neutral","sentiment_score":0.08235780894756317},{"text":"Okay.","start":931.76,"end":932.16003,"sentiment":"neutral","sentiment_score":0.11302043497562408},{"text":"Thank you so much for your advice.","start":932.16003,"end":933.94,"sentiment":"neutral","sentiment_score":0.32422212617737906},{"text":"Yeah.","start":934.845,"end":935.345,"sentiment":"neutral","sentiment_score":0.13622191548347473}],"sentiment":"neutral","sentiment_score":0.2430947179144079,"num_words":11,"start":930.48004,"end":935.345},{"sentences":[{"text":"Yeah.","start":954.46,"end":954.7,"sentiment":"positive","sentiment_score":0.3837238550186157},{"text":"That will be great.","start":954.7,"end":955.76,"sentiment":"positive","sentiment_score":0.8162352442741394},{"text":"Yes.","start":965.96497,"end":966.46497,"sentiment":"neutral","sentiment_score":0.09275096654891968},{"text":"Mhmm.","start":971.64496,"end":972.14496,"sentiment":"neutral","sentiment_score":0.05144771933555603},{"text":"Oh.","start":979.73,"end":980.23,"sentiment":"neutral","sentiment_score":0.0428914874792099}],"sentiment":"positive","sentiment_score":0.47946937568485737,"num_words":8,"start":954.46,"end":980.23},{"sentences":[{"text":"Oh.","start":981.01,"end":981.17,"sentiment":"neutral","sentiment_score":0.02234375849366188},{"text":"Oh, okay.","start":981.17,"end":981.97,"sentiment":"neutral","sentiment_score":0.025729036889970303},{"text":"Not the thirtieth.","start":981.97,"end":983.11,"sentiment":"neutral","sentiment_score":-0.03098103031516075},{"text":"Yep.","start":988.29,"end":988.79,"sentiment":"neutral","sentiment_score":0.07794004678726196},{"text":"Yep.","start":1015.7,"end":1016.02,"sentiment":"neutral","sentiment_score":0.10824738442897797}],"sentiment":"neutral","sentiment_score":0.02088077156804502,"num_words":8,"start":981.01,"end":1016.02},{"sentences":[{"text":"Yep.","start":1016.02,"end":1016.355,"sentiment":"neutral","sentiment_score":0.15158534049987793},{"text":"Yep.","start":1021.555,"end":1022.055,"sentiment":"neutral","sentiment_score":0.1120636910200119},{"text":"Yeah.","start":1030.79,"end":1031.29,"sentiment":"neutral","sentiment_score":0.07119691371917725},{"text":"Yeah.","start":1035.35,"end":1035.85,"sentiment":"neutral","sentiment_score":0.008101122453808784},{"text":"Mhmm.","start":1037.99,"end":1038.49,"sentiment":"neutral","sentiment_score":0.08684033155441284}],"sentiment":"neutral","sentiment_score":0.08595747984945774,"num_words":5,"start":1016.02,"end":1038.49},{"sentences":[{"text":"Yep.","start":1039.91,"end":1040.41,"sentiment":"neutral","sentiment_score":0.13149529695510864},{"text":"Yep.","start":1046.4349,"end":1046.835,"sentiment":"neutral","sentiment_score":0.056179314851760864},{"text":"Yeah.","start":1046.835,"end":1047.235,"sentiment":"neutral","sentiment_score":0.06348084658384323},{"text":"Yep.","start":1047.235,"end":1047.6349,"sentiment":"neutral","sentiment_score":0.06453131139278412},{"text":"Okay.","start":1047.6349,"end":1048.115,"sentiment":"neutral","sentiment_score":0.08119972795248032}],"sentiment":"neutral","sentiment_score":0.07937729954719544,"num_words":5,"start":1039.91,"end":1048.115},{"sentences":[{"text":"Sure.","start":1048.115,"end":1048.615,"sentiment":"neutral","sentiment_score":0.1669087111949921},{"text":"Alright.","start":1049.315,"end":1049.815,"sentiment":"neutral","sentiment_score":0.2545090913772583},{"text":"Thank you so much.","start":1050.4349,"end":1051.735,"sentiment":"positive","sentiment_score":0.5805042684078217},{"text":"Yep.","start":1059.715,"end":1060.17,"sentiment":"neutral","sentiment_score":0.23751944303512573},{"text":"Okay.","start":1067.61,"end":1068.11,"sentiment":"neutral","sentiment_score":0.061125632375478745}],"sentiment":"positive","sentiment_score":0.3802599939517677,"num_words":8,"start":1048.115,"end":1068.11},{"sentences":[{"text":"Can I ask for that deductible contribution, does it matter the funds were transferred from my Soul Trader Business account or from my personal account?","start":1068.49,"end":1082.4349,"sentiment":"neutral","sentiment_score":0.00792684756219387},{"text":"Any difference?","start":1082.735,"end":1083.5549,"sentiment":"neutral","sentiment_score":-0.01014429610222578},{"text":"Yes.","start":1093.5901,"end":1093.9901,"sentiment":"neutral","sentiment_score":0.033841103315353394},{"text":"Okay.","start":1093.9901,"end":1094.4901,"sentiment":"neutral","sentiment_score":-0.010555576533079147},{"text":"Okay.","start":1095.1101,"end":1095.5901,"sentiment":"neutral","sentiment_score":0.16257891058921814}],"sentiment":"neutral","sentiment_score":0.012124901140729586,"num_words":30,"start":1068.49,"end":1095.5901},{"sentences":[{"text":"Not a problem.","start":1095.5901,"end":1096.4901,"sentiment":"positive","sentiment_score":0.4099301000436147},{"text":"Thank you.","start":1097.3501,"end":1098.17,"sentiment":"positive","sentiment_score":0.7439513802528381},{"text":"And also, can I can I ask whether you can give me some advice for the, say, the company car if I want plan to buy a company car?","start":1098.4701,"end":1109.925,"sentiment":"neutral","sentiment_score":0.10556365177035332},{"text":"Is it a question from, for you or for my accountant?","start":1110.145,"end":1113.605,"sentiment":"neutral","sentiment_score":0.0530082859437574},{"text":"Okay.","start":1117.425,"end":1117.925,"sentiment":"neutral","sentiment_score":0.059824876487255096}],"sentiment":"neutral","sentiment_score":0.13960771704011637,"num_words":46,"start":1095.5901,"end":1117.925},{"sentences":[{"text":"Mhmm.","start":1138.875,"end":1139.375,"sentiment":"neutral","sentiment_score":0.05629401654005051},{"text":"Yeah.","start":1147.1951,"end":1147.6951,"sentiment":"neutral","sentiment_score":0.1563372015953064},{"text":"Mhmm.","start":1153.33,"end":1153.83,"sentiment":"neutral","sentiment_score":0.19688889384269712},{"text":"Yes.","start":1158.93,"end":1159.43,"sentiment":"neutral","sentiment_score":0.136906236410141},{"text":"Okay.","start":1159.65,"end":1160.15,"sentiment":"neutral","sentiment_score":0.1413302719593048}],"sentiment":"neutral","sentiment_score":0.13755132406949996,"num_words":5,"start":1138.875,"end":1160.15},{"sentences":[{"text":"Thank you so much, Dana.","start":1160.21,"end":1161.67,"sentiment":"positive","sentiment_score":0.6616246461868286},{"text":"Mhmm.","start":1167.245,"end":1167.745,"sentiment":"neutral","sentiment_score":0.054282814264297485},{"text":"Okay.","start":1170.285,"end":1170.785,"sentiment":"neutral","sentiment_score":0.11719275265932085},{"text":"Yep.","start":1170.9249,"end":1171.4249,"sentiment":"neutral","sentiment_score":0.2415543794631958},{"text":"Will do.","start":1171.485,"end":1172.225,"sentiment":"positive","sentiment_score":0.40460994839668274}],"sentiment":"positive","sentiment_score":0.4530373074114323,"num_words":10,"start":1160.21,"end":1172.225},{"sentences":[{"text":"Thank you.","start":1175.8049,"end":1176.365,"sentiment":"positive","sentiment_score":0.8165210783481598},{"text":"You too.","start":1176.365,"end":1177.1849,"sentiment":"positive","sentiment_score":0.6149983704090118},{"text":"Bye.","start":1179.443,"end":1179.943,"sentiment":"neutral","sentiment_score":-0.0968145951628685}],"sentiment":"positive","sentiment_score":0.553244860470295,"num_words":5,"start":1175.8049,"end":1179.943}]}}]}],"paragraphs":{"transcript":"\nChannel 1: If you record your name and reason for calling, I'll see if this person is available.\n\nChannel 0: Dana Taylor Oates Financial Contributions Conversation.\n\nChannel 1: Thanks. Please stay on the line. Hello. Christie speaking.\n\nChannel 0: Hi, Christie. This is Dana from Okie Financial. How are you this afternoon?\n\nChannel 1: I'm very well. Yourself?\n\nChannel 0: I'm very well. Thank you. Thanks for asking. I had you booked in this afternoon just to have a bit of a conversation around your contributions. Is now still a good time here for you?\n\nChannel 1: Yes. Yes.\n\nChannel 0: Fantastic. Before we jump into the call there, Christie, I do need to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nChannel 1: Yes. Yes.\n\nChannel 0: Fantastic. And, also, just to do security there with you as well, I just need to confirm your full name, your date of birth, and address I should have on file.\n\nChannel 1: Yes. My full name is j I e l I\n\nChannel 0: Yes.\n\nChannel 1: u.\n\nChannel 0: Yes.\n\nChannel 1: 10/29/1973. 60 Woodlands Drive, Sonland\n\nChannel 0: Lovely. Beautiful.\n\nChannel 1: 4164.\n\nChannel 0: Thank you so much for that. And how's your day been so far?\n\nChannel 1: Very busy at work.\n\nChannel 0: Are you nearly done for the day, or you still got a bit longer to go?\n\nChannel 1: Always not always something on. Just\n\nChannel 0: Absolutely.\n\nChannel 1: depends on whether I I when I want a\n\nChannel 0: Yes. Absolutely. Because you're\n\nChannel 1: stop.\n\nChannel 0: self employed, and you've set yourself\n\nChannel 1: Yes.\n\nChannel 0: up as a company now. Is\n\nChannel 1: I\n\nChannel 0: that right?\n\nChannel 1: was working as a sole trader before, but since the\n\nChannel 0: Yeah.\n\nChannel 1: income has increased,\n\nChannel 0: Yes.\n\nChannel 1: Yeah. The client database has set up and growing. So\n\nChannel 0: Yeah.\n\nChannel 1: I I think I'd better move into a company structure instead,\n\nChannel 0: Fantastic.\n\nChannel 1: like, for for the tax tax\n\nChannel 0: Benefits.\n\nChannel 1: benefits. Yes.\n\nChannel 0: Yeah. Absolutely. Well, congratulations on growing your business. That is fantastic.\n\nChannel 1: Thank you.\n\nChannel 0: It's a good problem to have, isn't it?\n\nChannel 1: Yes. Yes. I was\n\nChannel 0: Oh,\n\nChannel 1: thinking\n\nChannel 0: good.\n\nChannel 1: of retire, but decide that my clients wouldn't let me.\n\nChannel 0: No. You're too good.\n\nChannel 1: Yes. So,\n\nChannel 0: Oh, good.\n\nChannel 1: yeah,\n\nChannel 0: Yeah.\n\nChannel 1: my quest yeah. My question is, like, before end of the financial year, what I\n\nChannel 0: Yes.\n\nChannel 1: can do for the super to so that I can get the best tax that benefits? Because my\n\nChannel 0: Yeah.\n\nChannel 1: company has already set up since\n\nChannel 0: Okay.\n\nChannel 1: twenty twenty sixth of May\n\nChannel 0: Yes.\n\nChannel 1: this year. Yep. May 26. And my I checked the super contributions up today. It's $4,815.20.\n\nChannel 0: Mhmm.\n\nChannel 1: It's from my previous employer, Empire Care.\n\nChannel 0: Right.\n\nChannel 1: And, yeah, and then I, I went solo since,\n\nChannel 0: Okay.\n\nChannel 1: yeah, partial solo since, May last year, and then went totally solo\n\nChannel 0: Okay.\n\nChannel 1: as a sole trader since November mid November last year. And but\n\nChannel 0: Yeah.\n\nChannel 1: I haven't made any contribution from my sole trader business.\n\nChannel 0: Okay.\n\nChannel 1: So yeah. And also from May 26, my company has set up. So how can I like, what what would be the best combination for my super contribution? I just\n\nChannel 0: Yeah.\n\nChannel 1: need\n\nChannel 0: That that's okay. Not a problem\n\nChannel 1: your advice.\n\nChannel 0: at all. So, realistically, today, I can only give you general advice. But, essentially, you've got one or two ways you can make the contribution. Now you're set up as a company. So, realistically, as an employer of your company, your company can make super contributions on your behalf.\n\nYou\n\nChannel 1: Yes.\n\nChannel 0: can essentially do it one of two ways. You can make the contribution as a salary sacrifice contribution through your company, where\n\nChannel 1: Mhmm.\n\nChannel 0: they just pay into your super the same way a normal employer would. The cap for this financial year is 30,000. So because you've currently made or currently had $4,815.20 put in there, it does leave for this financial year an approximate cap of just over 25,000 available to you. Uh-huh. How much are you wanting to put into the super fund at the moment?\n\nDo you have a set amount you've been thinking about contributing? Or\n\nChannel 1: I wanted to put to towards the cap. But is there any difference the contribution is from myself, like, the as\n\nChannel 0: Mhmm.\n\nChannel 1: the sole trader or from my company?\n\nChannel 0: Well, if you're just wanting to do it as, like, a salary sacrifice contribution or a contribution from your company, they would put it in as an employer contribution. So it would go through the SuperStream system as if you were working for any other employer there. You can make the contribution direct out of your bank account and make it as a deductible contribution as a lump sum. And if you decide to do it that way, we just need to claim a notice of intent. And if you make a deductible contribution, it comes direct to your bank account.\n\nWe\n\nChannel 1: Mhmm.\n\nChannel 0: claim a notice of intent against that one, and the contribution you put into super can be claimed as a tax deduction for you.\n\nChannel 1: Okay. Yeah. Well, by saying the company, like, employer contribution, because my\n\nChannel 0: Mhmm.\n\nChannel 1: company was just set up a few days ago.\n\nChannel 0: Yeah.\n\nChannel 1: Can can the company contribute, like, a such good great amount for an like, for employee or or the director just within a little bit over a month's time. Is that okay,\n\nChannel 0: Yeah.\n\nChannel 1: or\n\nChannel 0: Yeah.\n\nChannel 1: is it?\n\nChannel 0: Look. I would probably you'd probably be best to speak to your accountant to make sure that's viable for you. Your accountant's probably gonna be able to give you a little bit more on the way of the tax information that you're after. But,\n\nChannel 1: Mhmm.\n\nChannel 0: essentially, if it's your company, you're able to have that contribution made from your company to your super. It's not a problem at all. The main thing to be mindful of is that once that money goes into super, you actually can't take it back out or access it. So just being careful. You're not contributing more than you're comfortable putting into super knowing you can't then take it back out again,\n\nChannel 1: Mhmm. I\n\nChannel 0: making\n\nChannel 1: know\n\nChannel 0: sure\n\nChannel 1: that.\n\nChannel 0: that you're not over\n\nChannel 1: Yeah.\n\nChannel 0: over, you know,\n\nChannel 1: Overinvest\n\nChannel 0: over contributing.\n\nChannel 1: in the\n\nChannel 0: Yeah.\n\nChannel 1: yeah.\n\nChannel 0: Correct.\n\nChannel 1: Overinvest in the\n\nChannel 0: Correct. But,\n\nChannel 1: yeah.\n\nChannel 0: realistically, you're the employee of your company, so there's nothing wrong with actually making the contribution from the company there. It would just be essentially set up as an employer contribution. So your company is putting that money into super you're the employer. With the way your structure is, if you're set up as a company, realistically, each year, you are supposed to receive contributions from the company as well. So your company\n\nChannel 1: Mhmm.\n\nChannel 0: is supposed to pay employee employee contributions or employer FTC contributions essentially to your super fund for you because as much as it's your company, you are still an employee of the company. So\n\nChannel 1: Mhmm.\n\nChannel 0: it is something that definitely needs to be taken into account, and I'm sure your accountant is well versed in making sure that that does happen for you.\n\nChannel 1: Mhmm.\n\nChannel 0: The so that's one way of making the contribution. The other way is if you wanna maximize the cap out, you can do it, as I said, as a deductible contribution, which can be a little bit more beneficial on the tax side of things, making a contribution from your bank account to your super fund as a lump sum one off contribution. The whole amount does get invested at the one time into super, and then we\n\nChannel 1: Yep.\n\nChannel 0: can claim that notice of intent for you. The notice of intent means the tax is taken out of that contribution inside the super system, and then you essentially says, like, say, if you made a $10,000 contribution,\n\nChannel 1: Mhmm.\n\nChannel 0: the the 15% tax is to take taken out of that, 10,000 for you, and then you get a letter to say that's all being completed. And then that $10,000, your accountant can then, have that, you know, deducted from your taxable income. So having making it as a deductible contribution can be a little bit more more of a tax advantage for you, but\n\nChannel 1: Mhmm.\n\nChannel 0: at the same time, making having it done in sort of different ways. If you do it as a deductible contribution from your bank account, it's more a deduction for yourself. You'd need to speak to your accountant to make sure that it's gonna be okay to do it out of your company account to make sure that your company is okay with that. Otherwise,\n\nChannel 1: I can\n\nChannel 0: you can make it sorry.\n\nChannel 1: yes.\n\nChannel 0: You're at\n\nChannel 1: From my own personal account. Because I haven't\n\nChannel 0: Yeah.\n\nChannel 1: transfer any funds into my company account yet.\n\nChannel 0: Right.\n\nChannel 1: Yeah. But I have I do have funds from my Soul Trader account, the business\n\nChannel 0: Okay.\n\nChannel 1: account. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Well, there's sufficient funds to pay the like, to contribute the balance of the this year's limit.\n\nChannel 0: Right.\n\nChannel 1: Yeah.\n\nChannel 0: Yes.\n\nChannel 1: Like, over 25,000. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Yeah.\n\nChannel 1: and then the the like, either way, the contribution will stay in my super account until the I am eligible to claim from\n\nChannel 0: That\n\nChannel 1: it.\n\nChannel 0: is\n\nChannel 1: Right?\n\nChannel 0: correct.\n\nChannel 1: Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Until you meet a condition of release. So at the moment, the condition is of release that you turn 60 and retire or if\n\nChannel 1: Mhmm.\n\nChannel 0: you continue working age 65 there. Yeah.\n\nChannel 1: Okay. For my age, is the eligible retired age will be 67.\n\nChannel 0: No. Age 60.\n\nChannel 1: Eight sixty.\n\nChannel 0: Yeah. So under your current, like essentially, it all sort of works on date of birth, but under the current eligibility or preservation age is what they call it, you can actually retire at 60 if\n\nChannel 1: Uh-huh.\n\nChannel 0: you decide to stop working and fully retire.\n\nChannel 1: Mhmm.\n\nChannel 0: If you continue working past age 60 and you get to age 65,\n\nChannel 1: Yes.\n\nChannel 0: then they make it if even if you're working at age 65, they make your super completely unpreserved, non restricted so you can access it regardless of work whether your working status is 65.\n\nChannel 1: Okay.\n\nChannel 0: And\n\nChannel 1: Oh,\n\nChannel 0: age 60\n\nChannel 1: okay.\n\nChannel 0: seven is the age you can apply for the age pension through Centrelink if you're eligible.\n\nChannel 1: Oh, that's for age pension.\n\nChannel 0: Yeah.\n\nChannel 1: 67.\n\nChannel 0: Did you think you\n\nChannel 1: Oh,\n\nChannel 0: had to work to 65?\n\nChannel 1: no. I thought I just retire as soon as possible.\n\nChannel 0: Yeah.\n\nChannel 1: But\n\nChannel 0: Well, I\n\nChannel 1: yeah.\n\nChannel 0: hope I've given\n\nChannel 1: So\n\nChannel 0: you some good news. You could look at\n\nChannel 1: yeah.\n\nChannel 0: age 60 if you would like to there, Christie.\n\nChannel 1: Yeah. Age 60. So\n\nChannel 0: Yes.\n\nChannel 1: for my age, 73. So I might need there will be seven years to go. Yeah.\n\nChannel 0: Yes.\n\nChannel 1: It's not\n\nChannel 0: You're 50\n\nChannel 1: it's not\n\nChannel 0: three\n\nChannel 1: early.\n\nChannel 0: this year? That's correct. Yeah. Yep.\n\nChannel 1: Yeah. It's not earlier, but I can't\n\nChannel 0: Unfortunately,\n\nChannel 1: access my\n\nChannel 0: that's\n\nChannel 1: phone.\n\nChannel 0: the earliest\n\nChannel 1: Yeah.\n\nChannel 0: we can do. Yeah. If you wanna\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: if you had investments outside of Super or building your business to a point where you no longer had to physically work in it and other people could do it for you, then you'd be able to find ways to access the to be able to start working. But the earliest you can access through for the moment is age 60.\n\nChannel 1: Okay. Thanks for letting me know know\n\nChannel 0: That's\n\nChannel 1: about\n\nChannel 0: okay.\n\nChannel 1: this. Yeah. Okay. I think after the discussion today, I might just like, the easiest way to contribute to get a tax benefits to my super at the moment\n\nChannel 0: Mhmm.\n\nChannel 1: might be just direct transfer the funds to\n\nChannel 0: Yep.\n\nChannel 1: to the super account\n\nChannel 0: Yeah.\n\nChannel 1: with the amount that I'm still most comfortable with. And\n\nChannel 0: Yeah.\n\nChannel 1: because setting up the com company contribution, we haven't haven't worked on it yet. Just, you\n\nChannel 0: Yes.\n\nChannel 1: know, the business just set up and the the company\n\nChannel 0: Yeah.\n\nChannel 1: just set up. There are so many things to go through, and I'm\n\nChannel 0: Absolutely.\n\nChannel 1: not sure whether my accountant will get that done that soon. So\n\nChannel 0: Yes.\n\nChannel 1: just no no no difference to my tax then benefit. Right? The deductible contribution and the company contribution, the maximum is the same and the tax benefits\n\nChannel 0: Well, the\n\nChannel 1: is the same. Right?\n\nChannel 0: the difference is making the deductible contribution for yourself. Like, as I said, if you were to put 10,000 into super there, that 10,000 goes into super. We claim that notice of intent, and the super fund takes a 58% tax. So the 15\n\nChannel 1: Yep.\n\nChannel 0: percent tax doesn't change in any way, shape, or form. The\n\nChannel 1: Yep.\n\nChannel 0: main difference is that by making that deductible contribution, that 10,000 you've put in the super at tax time when you do your tax return, you can then go back to your accountant and say, I've put 10,000 in the super, and you wanna claim that 10,000 as a tax deduction. You then claim that full 10,000 back on your tax return as a tax deduction there. With putting the money through, like, as an employer contribution or as an\n\nChannel 1: Yes.\n\nChannel 0: employee contribution through your company, that money goes through. There's no real tax advantage to you. Your your accountant should be able to claim you as an employee and the money that\n\nChannel 1: Mhmm.\n\nChannel 0: that is put into super your business or your company can claim, but\n\nChannel 1: Uh-huh.\n\nChannel 0: you can't claim that personally because you're the\n\nChannel 1: Oh,\n\nChannel 0: employee\n\nChannel 1: yeah.\n\nChannel 0: of the company. But your accountant would be able to work that out a lot better for you.\n\nChannel 1: Okay. Yeah. Understand.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Thank you\n\nChannel 0: It's\n\nChannel 1: so\n\nChannel 0: a little\n\nChannel 1: much.\n\nChannel 0: bit different. That's okay. It's a little bit different either way, but are you do you know which way you wanna go with it? Are you wanting to\n\nChannel 1: Probably just deduct the other deductible contribution\n\nChannel 0: Yep.\n\nChannel 1: because it's pushing close to the end of the financial year and\n\nChannel 0: Yes.\n\nChannel 1: for the company. Not that reasonable to make the huge contribution\n\nChannel 0: No.\n\nChannel 1: within\n\nChannel 0: Yeah.\n\nChannel 1: just one month, and I I wonder I wanna take the pressure from my cash flow. My\n\nChannel 0: Yeah.\n\nChannel 1: s\n\nChannel 0: And,\n\nChannel 1: like,\n\nChannel 0: realistically,\n\nChannel 1: my personal\n\nChannel 0: you've\n\nChannel 1: income.\n\nChannel 0: been working. Yeah. And, realistically, you've been working as a sole trader for the last year and and working for other people, so your marginal tax rate might be certainly higher.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yes. Yes. Yes.\n\nChannel 0: Yeah.\n\nChannel 1: So I I want this tax benefits\n\nChannel 0: Yeah. Most\n\nChannel 1: from\n\nChannel 0: people\n\nChannel 1: my my\n\nChannel 0: do look at the yeah.\n\nChannel 1: personal\n\nChannel 0: Most people\n\nChannel 1: income.\n\nChannel 0: do look at the deductible for that reason to make it easier. Yeah.\n\nChannel 1: Yes. Yes. Yeah. Okay.\n\nChannel 0: Yep.\n\nChannel 1: Thank you so much\n\nChannel 0: That's\n\nChannel 1: for your\n\nChannel 0: okay.\n\nChannel 1: advice.\n\nChannel 0: That's\n\nChannel 1: Yeah.\n\nChannel 0: alright. Did you want did you want some did you want me to email you or or did you wanna let us know once you've made that contribution to Super? Or do you need us to give you the details of how to make that contribution as a deductible contribution? How where to transfer the money to or how to transfer the money to a deductible contribution? How where to transfer the money to or how to transfer the money\n\nChannel 1: Yeah. That will\n\nChannel 0: to\n\nChannel 1: be great.\n\nChannel 0: Super? Yep. Beautiful. What I'll do is I'll send you an email after the call if you like. It'll just give you a rundown on what the the deductible contribution is just relaying kind of what we've kinda gone through there.\n\nChannel 1: Yes.\n\nChannel 0: It'll have just a snippet of the bank account details for your super fund. If\n\nChannel 1: Mhmm.\n\nChannel 0: you decide you wanna make that as a deductible contribution, they realistically need to be in before the twentieth of this month. So trying to make that as soon\n\nChannel 1: Oh.\n\nChannel 0: as possible.\n\nChannel 1: Oh. Oh, okay. Not the thirtieth.\n\nChannel 0: No. Well, it needs to be in there before the thirtieth of this month. But, realistically,\n\nChannel 1: Yep.\n\nChannel 0: once the money goes into the super fund, your super fund has to receive it and then also, you know, move that money around or allocate it correctly. And it can take the super funds a bit of time to do that. So it's not an automatic system. They actually receive the money and then have to allocate it to the right part of your account and cross check a few things. So we like to sort of suggest try and have it in there no later than the twentieth of of this month.\n\nChannel 1: Yep.\n\nChannel 0: That way,\n\nChannel 1: Yep.\n\nChannel 0: it's in there with ten days to spare to make sure that it gets allocated correctly. Just because\n\nChannel 1: Yep.\n\nChannel 0: you do find there is a lot of people who are trying to make contributions before the end of the financial year, and there are a lot of people transferring the last two or three days, it's very\n\nChannel 1: Yeah.\n\nChannel 0: easy for things to get missed or for the super fund team to forget or\n\nChannel 1: Yeah.\n\nChannel 0: not allocated or just missed that. So it just gives\n\nChannel 1: Mhmm.\n\nChannel 0: that a little extra leniency,\n\nChannel 1: Yep.\n\nChannel 0: just making sure that you're covering your bases but with enough time for the super fund to do everything they need to do. Okay?\n\nChannel 1: Yep. Yeah. Yep. Okay.\n\nChannel 0: Yep.\n\nChannel 1: Sure. Alright.\n\nChannel 0: Excellent. I'll send you\n\nChannel 1: Thank\n\nChannel 0: I'll\n\nChannel 1: you\n\nChannel 0: send\n\nChannel 1: so\n\nChannel 0: you an\n\nChannel 1: much.\n\nChannel 0: email shortly. That's okay. Just sort of outlining that deductible. It'll have the details there for you. If you have additional questions, come back and let me know.\n\nAnd\n\nChannel 1: Yep.\n\nChannel 0: then if you wanna let me know once you've made that contribution, we can go and claim that notice of intent for you. Okay?\n\nChannel 1: Okay. Can I ask for that deductible contribution,\n\nChannel 0: Yeah.\n\nChannel 1: does it matter the funds were transferred from my Soul Trader Business account or from my personal account? Any difference?\n\nChannel 0: No. It shouldn't make any difference because as a sole trader, all of the income that you receive is it's all added to your personal name anyway. It's all taxed the same way, so that\n\nChannel 1: Yes.\n\nChannel 0: shouldn't\n\nChannel 1: Okay.\n\nChannel 0: be a problem. Yeah.\n\nChannel 1: Okay. Not a problem.\n\nChannel 0: Excellent.\n\nChannel 1: Thank you. And\n\nChannel 0: That's\n\nChannel 1: also,\n\nChannel 0: okay.\n\nChannel 1: can I can I ask whether you can give me some advice for the, say, the company car if I want plan to buy a company car? Is it a question from, for you or for my accountant?\n\nChannel 0: That would honestly be something for your accountant.\n\nChannel 1: Okay.\n\nChannel 0: That is taking into account sort of the the whole financial taxable side of things. And there's other things to consider there, like CGT credits, the overall tax component, how much your loan would cost that you'd have to repay, what the deductibility is, what kind of car you're looking at. They've also gotta take into account things like fringe benefits, tax,\n\nChannel 1: Mhmm.\n\nChannel 0: how to keep the records completed as correctly as possible for the ATO and depreciation and things like that. So definitely\n\nChannel 1: Yeah.\n\nChannel 0: have a a chat to your accountant about purchasing a motor vehicle through the company. That would\n\nChannel 1: Mhmm.\n\nChannel 0: definitely be a them thing, and they'll be able to have a really good look at whether that's worthwhile for you. Okay?\n\nChannel 1: Yes. Okay.\n\nChannel 0: Yep.\n\nChannel 1: Thank you so much, Dana.\n\nChannel 0: That's okay. I'll send you a recap email just letting you in on those last couple of things. And if you find you\n\nChannel 1: Mhmm.\n\nChannel 0: have any additional questions, let me know. Okay?\n\nChannel 1: Okay. Yep. Will do.\n\nChannel 0: No worries. I hope you have a good evening.\n\nChannel 1: Thank you. You too.\n\nChannel 0: Thanks. See you later. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"If you record your name and reason for calling, I'll see if this person is available.","start":0.16,"end":4.5,"sentiment":"neutral","sentiment_score":0.016343211580533534}],"sentiment":"neutral","sentiment_score":0.016343211580533534,"channel":1,"num_words":16,"start":0.16,"end":4.5},{"sentences":[{"text":"Dana Taylor Oates Financial Contributions Conversation.","start":7.52,"end":10.82,"sentiment":"neutral","sentiment_score":0.02625246128688256}],"sentiment":"neutral","sentiment_score":0.02625246128688256,"channel":0,"num_words":6,"start":7.52,"end":10.82},{"sentences":[{"text":"Thanks.","start":16.015,"end":16.515,"sentiment":"neutral","sentiment_score":0.27402862906455994},{"text":"Please stay on the line.","start":16.735,"end":18.195,"sentiment":"neutral","sentiment_score":0.13440716862678528},{"text":"Hello.","start":20.015,"end":20.515,"sentiment":"neutral","sentiment_score":0.044932954013347626},{"text":"Christie speaking.","start":20.575,"end":21.475,"sentiment":"neutral","sentiment_score":0.03616079315543175}],"sentiment":"neutral","sentiment_score":0.11814655694696638,"channel":1,"num_words":9,"start":16.015,"end":21.475},{"sentences":[{"text":"Hi, Christie.","start":22.095001,"end":22.815,"sentiment":"neutral","sentiment_score":0.10901135951280594},{"text":"This is Dana from Okie Financial.","start":22.815,"end":24.494999,"sentiment":"neutral","sentiment_score":0.14342120041449866},{"text":"How are you this afternoon?","start":24.494999,"end":25.795,"sentiment":"neutral","sentiment_score":0.1790705978870392}],"sentiment":"neutral","sentiment_score":0.15183868545752305,"channel":0,"num_words":13,"start":22.095001,"end":25.795},{"sentences":[{"text":"I'm very well.","start":26.72,"end":27.759998,"sentiment":"positive","sentiment_score":0.4371960461139679},{"text":"Yourself?","start":27.759998,"end":28.259998,"sentiment":"neutral","sentiment_score":0.26355642080307007}],"sentiment":"positive","sentiment_score":0.39378613978624344,"channel":1,"num_words":4,"start":26.72,"end":28.259998},{"sentences":[{"text":"I'm very well.","start":29.01,"end":29.73,"sentiment":"positive","sentiment_score":0.4351704915364583},{"text":"Thank you.","start":29.73,"end":30.130001,"sentiment":"positive","sentiment_score":0.5645573735237122},{"text":"Thanks for asking.","start":30.130001,"end":31.11,"sentiment":"positive","sentiment_score":0.5485207438468933},{"text":"I had you booked in this afternoon just to have a bit of a conversation around your contributions.","start":31.41,"end":35.11,"sentiment":"neutral","sentiment_score":0.23775199717945522},{"text":"Is now still a good time here for you?","start":35.25,"end":37.43,"sentiment":"neutral","sentiment_score":0.21350035071372986}],"sentiment":"neutral","sentiment_score":0.2937493588243212,"channel":0,"num_words":35,"start":29.01,"end":37.43},{"sentences":[{"text":"Yes.","start":38.399998,"end":38.719997,"sentiment":"neutral","sentiment_score":0.12307767570018768},{"text":"Yes.","start":38.719997,"end":39.219997,"sentiment":"neutral","sentiment_score":0.20198354125022888}],"sentiment":"neutral","sentiment_score":0.16253060847520828,"channel":1,"num_words":2,"start":38.399998,"end":39.219997},{"sentences":[{"text":"Fantastic.","start":40.145,"end":40.645,"sentiment":"positive","sentiment_score":0.47670620679855347},{"text":"Before we jump into the call there, Christie, I do need to let you know we do record our calls for quality and training purposes.","start":41.105,"end":46.705,"sentiment":"neutral","sentiment_score":0.1745851904153824},{"text":"Are you happy for me to proceed with 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accountant.","start":1114.29,"end":1116.79,"sentiment":"neutral","sentiment_score":0.14805800560861826}],"sentiment":"neutral","sentiment_score":0.14805800560861826,"channel":0,"num_words":8,"start":1114.29,"end":1116.79},{"sentences":[{"text":"Okay.","start":1117.425,"end":1117.925,"sentiment":"neutral","sentiment_score":0.059824876487255096}],"sentiment":"neutral","sentiment_score":0.059824876487255096,"channel":1,"num_words":1,"start":1117.425,"end":1117.925},{"sentences":[{"text":"That is taking into account sort of the the whole financial taxable side of things.","start":1117.73,"end":1122.645,"sentiment":"neutral","sentiment_score":0.025917683790127436},{"text":"And there's other things to consider there, like CGT credits, the overall tax component, how much your loan would cost that you'd have to repay, what the deductibility is, what kind of car you're looking at.","start":1122.645,"end":1135.145,"sentiment":"neutral","sentiment_score":0.05772023637675577},{"text":"They've also gotta take into account things like fringe benefits, tax,","start":1135.17,"end":1138.63,"sentiment":"neutral","sentiment_score":0.03968206251209432}],"sentiment":"neutral","sentiment_score":0.04682574925884124,"channel":0,"num_words":62,"start":1117.73,"end":1138.63},{"sentences":[{"text":"Mhmm.","start":1138.875,"end":1139.375,"sentiment":"neutral","sentiment_score":0.05629401654005051}],"sentiment":"neutral","sentiment_score":0.05629401654005051,"channel":1,"num_words":1,"start":1138.875,"end":1139.375},{"sentences":[{"text":"how to keep the records completed as correctly as possible for the ATO and depreciation and things like that.","start":1139.25,"end":1146.29,"sentiment":"neutral","sentiment_score":0.09859478454056539},{"text":"So definitely","start":1146.29,"end":1147.67,"sentiment":"neutral","sentiment_score":0.1306651383638382}],"sentiment":"neutral","sentiment_score":0.10164910395230566,"channel":0,"num_words":21,"start":1139.25,"end":1147.67},{"sentences":[{"text":"Yeah.","start":1147.1951,"end":1147.6951,"sentiment":"neutral","sentiment_score":0.1563372015953064}],"sentiment":"neutral","sentiment_score":0.1563372015953064,"channel":1,"num_words":1,"start":1147.1951,"end":1147.6951},{"sentences":[{"text":"have a a chat to your accountant about purchasing a motor vehicle through the company.","start":1147.7301,"end":1152.615,"sentiment":"neutral","sentiment_score":0.14302273392677306},{"text":"That would","start":1152.8351,"end":1153.395,"sentiment":"neutral","sentiment_score":0.19800923764705658}],"sentiment":"neutral","sentiment_score":0.14949173436445348,"channel":0,"num_words":17,"start":1147.7301,"end":1153.395},{"sentences":[{"text":"Mhmm.","start":1153.33,"end":1153.83,"sentiment":"neutral","sentiment_score":0.19688889384269712}],"sentiment":"neutral","sentiment_score":0.19688889384269712,"channel":1,"num_words":1,"start":1153.33,"end":1153.83},{"sentences":[{"text":"definitely be a them thing, and they'll be able to have a really good look at whether that's worthwhile for you.","start":1153.395,"end":1158.375,"sentiment":"neutral","sentiment_score":0.2741128724245798},{"text":"Okay?","start":1158.515,"end":1159.015,"sentiment":"neutral","sentiment_score":0.12062731385231018}],"sentiment":"neutral","sentiment_score":0.2671362561258403,"channel":0,"num_words":22,"start":1153.395,"end":1159.015},{"sentences":[{"text":"Yes.","start":1158.93,"end":1159.43,"sentiment":"neutral","sentiment_score":0.136906236410141},{"text":"Okay.","start":1159.65,"end":1160.15,"sentiment":"neutral","sentiment_score":0.1413302719593048}],"sentiment":"neutral","sentiment_score":0.1391182541847229,"channel":1,"num_words":2,"start":1158.93,"end":1160.15},{"sentences":[{"text":"Yep.","start":1159.9551,"end":1160.4551,"sentiment":"neutral","sentiment_score":0.24995163083076477}],"sentiment":"neutral","sentiment_score":0.24995163083076477,"channel":0,"num_words":1,"start":1159.9551,"end":1160.4551},{"sentences":[{"text":"Thank you so much, Dana.","start":1160.21,"end":1161.67,"sentiment":"positive","sentiment_score":0.6616246461868286}],"sentiment":"positive","sentiment_score":0.6616246461868286,"channel":1,"num_words":5,"start":1160.21,"end":1161.67},{"sentences":[{"text":"That's okay.","start":1162.035,"end":1162.755,"sentiment":"positive","sentiment_score":0.4151415228843689},{"text":"I'll send you a recap email just letting you in on those last couple of things.","start":1162.755,"end":1166.4801,"sentiment":"neutral","sentiment_score":0.30282425601035357},{"text":"And if you find you","start":1166.4801,"end":1167.36,"sentiment":"neutral","sentiment_score":0.15360569953918457}],"sentiment":"neutral","sentiment_score":0.28015215824479645,"channel":0,"num_words":23,"start":1162.035,"end":1167.36},{"sentences":[{"text":"Mhmm.","start":1167.245,"end":1167.745,"sentiment":"neutral","sentiment_score":0.054282814264297485}],"sentiment":"neutral","sentiment_score":0.054282814264297485,"channel":1,"num_words":1,"start":1167.245,"end":1167.745},{"sentences":[{"text":"have any additional questions, let me know.","start":1167.36,"end":1169.36,"sentiment":"neutral","sentiment_score":0.09159030445984431},{"text":"Okay?","start":1169.36,"end":1169.86,"sentiment":"neutral","sentiment_score":0.085911326110363}],"sentiment":"neutral","sentiment_score":0.09088043216615915,"channel":0,"num_words":8,"start":1167.36,"end":1169.86},{"sentences":[{"text":"Okay.","start":1170.285,"end":1170.785,"sentiment":"neutral","sentiment_score":0.11719275265932085},{"text":"Yep.","start":1170.9249,"end":1171.4249,"sentiment":"neutral","sentiment_score":0.2415543794631958},{"text":"Will do.","start":1171.485,"end":1172.225,"sentiment":"positive","sentiment_score":0.40460994839668274}],"sentiment":"neutral","sentiment_score":0.2919917572289705,"channel":1,"num_words":4,"start":1170.285,"end":1172.225},{"sentences":[{"text":"No worries.","start":1172.9601,"end":1173.68,"sentiment":"positive","sentiment_score":0.4825151860713959},{"text":"I hope you have a good evening.","start":1173.68,"end":1175.2201,"sentiment":"positive","sentiment_score":0.7452626483780997}],"sentiment":"positive","sentiment_score":0.6868743234210544,"channel":0,"num_words":9,"start":1172.9601,"end":1175.2201},{"sentences":[{"text":"Thank you.","start":1175.8049,"end":1176.365,"sentiment":"positive","sentiment_score":0.8165210783481598},{"text":"You too.","start":1176.365,"end":1177.1849,"sentiment":"positive","sentiment_score":0.6149983704090118}],"sentiment":"positive","sentiment_score":0.7157597243785858,"channel":1,"num_words":4,"start":1175.8049,"end":1177.1849},{"sentences":[{"text":"Thanks.","start":1177.4401,"end":1177.92,"sentiment":"positive","sentiment_score":0.7476819753646851},{"text":"See you later.","start":1177.92,"end":1178.56,"sentiment":"positive","sentiment_score":0.5918370683987936},{"text":"Bye.","start":1178.56,"end":1179.06,"sentiment":"neutral","sentiment_score":0.3294679820537567}],"sentiment":"positive","sentiment_score":0.5705322325229645,"channel":0,"num_words":5,"start":1177.4401,"end":1179.06},{"sentences":[{"text":"Bye.","start":1179.443,"end":1179.943,"sentiment":"neutral","sentiment_score":-0.0968145951628685}],"sentiment":"neutral","sentiment_score":-0.0968145951628685,"channel":1,"num_words":1,"start":1179.443,"end":1179.943}]},"summary":{"result":"success","short":"The agent from Okie Financial confirms personal information with the customer and advises her to make a salary sacrifice contribution and call her accountant to confirm. The customer is advised to make a contribution as a deductible contribution to maximize tax benefits and avoid overpaying taxes. The agent explains deductibles and tax benefits of making a contribution to her super account and advises her to ensure her deductible is met. The customer is also advised to purchase a motor vehicle and is advised to speak to their accountant about purchasing a motor vehicle."},"intents":{"segments":[{"text":"If you record your name and reason for calling, I'll see if this person is available.","start_word":1,"end_word":16,"intents":[{"intent":"Record calls","confidence_score":0.2833988}]},{"text":"And, also, just to do security there with you as well, I just need to confirm your full name, your date of birth, and address I should have on file. Yes.","start_word":123,"end_word":153,"intents":[{"intent":"Confirm identity","confidence_score":0.02613529}]},{"text":"can do for the super to so that I can get the best tax that benefits? Because my Yeah.","start_word":355,"end_word":373,"intents":[{"intent":"Confirm super contribution and tax benefits","confidence_score":0.00026230077},{"intent":"Discuss contribution options","confidence_score":0.014964988}]},{"text":"I haven't made any contribution from my sole trader business. Okay. So yeah.","start_word":448,"end_word":460,"intents":[{"intent":"Discuss contribution from sole trader","confidence_score":0.017435832}]},{"text":"How much are you wanting to put into the super fund at the moment? Do you have a set amount you've been thinking about contributing? Or I wanted to put to towards the cap. But is there any difference the contribution is from myself, like, the as Mhmm. the sole trader or from my company?","start_word":624,"end_word":678,"intents":[{"intent":"Determine contribution amount","confidence_score":0.035396963},{"intent":"Inquire about contribution percentage","confidence_score":0.00020746724}]},{"text":"claim a notice of intent against that one, and the contribution you put into super can be claimed as a tax deduction for you. Okay.","start_word":782,"end_word":806,"intents":[{"intent":"Claim a notice of contribution to the company","confidence_score":0.0000023241012}]},{"text":"It would just be essentially set up as an employer contribution. So your company is putting that money into super you're the employer. With the way your structure is, if you're set up as a company, realistically, each year, you are supposed to receive contributions from the company as well.","start_word":1032,"end_word":1081,"intents":[{"intent":"Inform about contributions","confidence_score":0.0016389962}]},{"text":"It's not earlier, but I can't Unfortunately, access my that's phone. the earliest Yeah.","start_word":1760,"end_word":1773,"intents":[{"intent":"Access phone","confidence_score":0.011275332},{"intent":"Access super","confidence_score":0.0034372176}]},{"text":"I think after the discussion today, I might just like, the easiest way to contribute to get a tax benefits to my super at the moment Mhmm.","start_word":1857,"end_word":1883,"intents":[{"intent":"Contribute","confidence_score":0.10942788},{"intent":"Make contribution","confidence_score":0.11564455}]},{"text":"because setting up the com company contribution, we haven't haven't worked on it yet. Just, you Yes. know, the business just set up and the the company Yeah. just set up.","start_word":1909,"end_word":1939,"intents":[{"intent":"Set up corporation","confidence_score":0.00035625996}]},{"text":"percent tax doesn't change in any way, shape, or form.","start_word":2042,"end_word":2051,"intents":[{"intent":"Change tax details","confidence_score":0.0001584211}]},{"text":"You then claim that full 10,000 back on your tax return as a tax deduction there. With putting the money through, like, as an employer contribution or as an Yes.","start_word":2106,"end_word":2135,"intents":[{"intent":"Deduct contribution","confidence_score":0.118980594}]},{"text":"Thank you so much That's for your okay. advice. That's Yeah.","start_word":2389,"end_word":2399,"intents":[{"intent":"Ask for advice","confidence_score":0.00092219695}]},{"text":"How where to transfer the money to or how to transfer the money Yeah.","start_word":2468,"end_word":2481,"intents":[{"intent":"Recommend transferring money","confidence_score":0.0041750674}]},{"text":"What I'll do is I'll send you an email after the call if you like. It'll just give you a rundown on what the the deductible contribution is just relaying kind of what we've kinda gone through there. Yes.","start_word":2489,"end_word":2527,"intents":[{"intent":"Report deductible contribution","confidence_score":0.0005066439},{"intent":"Inquire about deductible contribution","confidence_score":0.0029331306},{"intent":"Suggest sending email","confidence_score":0.03831326}]},{"text":"you decide you wanna make that as a deductible contribution, they realistically need to be in before the twentieth of this month. So trying to make that as soon Oh. as possible.","start_word":2544,"end_word":2575,"intents":[{"intent":"Express desire to make deductible contribution","confidence_score":0.0011201348}]},{"text":"that a little extra leniency, Yep. just making sure that you're covering your bases but with enough time for the super fund to do everything they need to do. Okay?","start_word":2782,"end_word":2811,"intents":[{"intent":"Give leniency for super fund","confidence_score":0.000094825766}]},{"text":"Can I ask for that deductible contribution, Yeah.","start_word":2886,"end_word":2893,"intents":[{"intent":"Inquire about deductible contribution","confidence_score":0.07447248}]},{"text":"does it matter the funds were transferred from my Soul Trader Business account or from my personal account? Any difference?","start_word":2894,"end_word":2913,"intents":[{"intent":"Ask about transfer","confidence_score":0.0046744267}]},{"text":"can I can I ask whether you can give me some advice for the, say, the company car if I want plan to buy a company car? Is it a question from, for you or for my accountant?","start_word":2967,"end_word":3004,"intents":[{"intent":"Request advice on buying a company car","confidence_score":0.015073264}]},{"text":"definitely be a them thing, and they'll be able to have a really good look at whether that's worthwhile for you. Okay?","start_word":3117,"end_word":3138,"intents":[{"intent":"Wish for good review of deductible contribution","confidence_score":1.19501e-7}]}]},"sentiments":{"segments":[{"text":"If you record your name and reason for calling, I'll see if this person is available. Dana Taylor Oates Financial Contributions Conversation. Thanks. Please stay on the line. Hello. Christie speaking. Hi, Christie. This is Dana from Okie Financial. How are you this afternoon?","start_word":0,"end_word":43,"sentiment":"neutral","sentiment_score":0.08022535592317581},{"text":"I'm very well.","start_word":44,"end_word":46,"sentiment":"positive","sentiment_score":0.4374253153800965},{"text":"Yourself?","start_word":47,"end_word":47,"sentiment":"neutral","sentiment_score":0.26355642080307007},{"text":"I'm very well. Thank you. Thanks for asking.","start_word":48,"end_word":55,"sentiment":"positive","sentiment_score":0.49574539065361023},{"text":"I had you booked in this afternoon just to have a bit of a conversation around your contributions. Is now still a good time here for you? Yes. Yes.","start_word":56,"end_word":84,"sentiment":"neutral","sentiment_score":0.2193739116191864},{"text":"Fantastic.","start_word":85,"end_word":85,"sentiment":"positive","sentiment_score":0.47670620679855347},{"text":"Before we jump into the call there, Christie, I do need to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yes. Yes.","start_word":86,"end_word":121,"sentiment":"neutral","sentiment_score":0.17198021709918976},{"text":"Fantastic.","start_word":122,"end_word":122,"sentiment":"positive","sentiment_score":0.4181274175643921},{"text":"And, also, just to do security there with you as well, I just need to confirm your full name, your date of birth, and address I should have on file. Yes. My full name is j I e l I Yes. u. Yes. 10/29/1973. 60 Woodlands Drive, Sonland Lovely.","start_word":123,"end_word":171,"sentiment":"neutral","sentiment_score":0.11056596785783768},{"text":"Beautiful.","start_word":172,"end_word":172,"sentiment":"positive","sentiment_score":0.33461207151412964},{"text":"4164.","start_word":173,"end_word":173,"sentiment":"neutral","sentiment_score":0.09739182889461516},{"text":"Thank you so much for that.","start_word":174,"end_word":179,"sentiment":"positive","sentiment_score":0.37609732151031494},{"text":"And how's your day been so far? Very busy at work. Are you nearly done for the day, or you still got a bit longer to go? Always not always something on. Just Absolutely. depends on whether I I when I want a Yes. Absolutely. Because you're stop. self employed, and you've set yourself Yes. up as a company now. Is I that right? was working as a sole trader before, but since the Yeah. income has increased, Yes. Yeah. The client database has set up and growing. So Yeah. I I think I'd better move into a company structure instead, Fantastic. like, for for the tax tax Benefits. benefits. Yes. Yeah. Absolutely.","start_word":180,"end_word":292,"sentiment":"neutral","sentiment_score":-0.023906635120511055},{"text":"Well, congratulations on growing your business. That is fantastic.","start_word":293,"end_word":301,"sentiment":"positive","sentiment_score":0.4600597620010376},{"text":"Thank you. It's a good problem to have, isn't it? Yes. Yes. I was Oh, thinking good. of retire, but decide that my clients wouldn't let me.","start_word":302,"end_word":328,"sentiment":"neutral","sentiment_score":-0.16421380639076233},{"text":"No. You're too good.","start_word":329,"end_word":332,"sentiment":"negative","sentiment_score":-0.36489084362983704},{"text":"Yes. So, Oh, good. yeah, Yeah. my quest yeah. My question is, like, before end of the financial year, what I Yes. can do for the super to so that I can get the best tax that benefits? Because my Yeah. company has already set up since Okay. twenty twenty sixth of May Yes. this year. Yep. May 26. And my I checked the super contributions up today. It's $4,815.20. Mhmm. It's from my previous employer, Empire Care. Right. And, yeah, and then I, I went solo since, Okay. yeah, partial solo since, May last year, and then went totally solo Okay. as a sole trader since November mid November last year. And but Yeah. I haven't made any contribution from my sole trader business. Okay. So yeah. And also from May 26, my company has set up. So how can I like, what what would be the best combination for my super contribution? I just Yeah. need That that's okay. Not a problem your advice. at all. So, realistically, today, I can only give you general advice. But, essentially, you've got one or two ways you can make the contribution. Now you're set up as a company. So, realistically, as an employer of your company, your company can make super contributions on your behalf. You Yes. can essentially do it one of two ways. You can make the contribution as a salary sacrifice contribution through your company, where Mhmm. they just pay into your super the same way a normal employer would. The cap for this financial year is 30,000. So because you've currently made or currently had $4,815.20 put in there, it does leave for this financial year an approximate cap of just over 25,000 available to you. Uh-huh. How much are you wanting to put into the super fund at the moment? Do you have a set amount you've been thinking about contributing? Or I wanted to put to towards the cap. But is there any difference the contribution is from myself, like, the as Mhmm. the sole trader or from my company? Well, if you're just wanting to do it as, like, a salary sacrifice contribution or a contribution from your company, they would put it in as an employer contribution. So it would go through the SuperStream system as if you were working for any other employer there. You can make the contribution direct out of your bank account and make it as a deductible contribution as a lump sum. And if you decide to do it that way, we just need to claim a notice of intent. And if you make a deductible contribution, it comes direct to your bank account. We Mhmm. claim a notice of intent against that one, and the contribution you put into super can be claimed as a tax deduction for you. Okay. Yeah. Well, by saying the company, like, employer contribution, because my Mhmm. company was just set up a few days ago. Yeah.","start_word":333,"end_word":828,"sentiment":"neutral","sentiment_score":0.11707914937587996},{"text":"Can can the company contribute, like, a such good great amount for an like, for employee or or the director just within a little bit over a month's time.","start_word":829,"end_word":857,"sentiment":"positive","sentiment_score":0.3678439259529114},{"text":"Is that okay, Yeah. or Yeah. is it? Look. I would probably you'd probably be best to speak to your accountant to make sure that's viable for you. Your accountant's probably gonna be able to give you a little bit more on the way of the tax information that you're after. But, Mhmm. essentially, if it's your company, you're able to have that contribution made from your company to your super.","start_word":858,"end_word":928,"sentiment":"neutral","sentiment_score":0.13282082974910736},{"text":"It's not a problem at all.","start_word":929,"end_word":934,"sentiment":"positive","sentiment_score":0.35946327447891235},{"text":"The main thing to be mindful of is that once that money goes into super, you actually can't take it back out or access it. So just being careful.","start_word":935,"end_word":963,"sentiment":"neutral","sentiment_score":-0.24038098752498627},{"text":"You're not contributing more than you're comfortable putting into super knowing you can't then take it back out again, Mhmm.","start_word":964,"end_word":983,"sentiment":"negative","sentiment_score":-0.3798474967479706},{"text":"I making know sure that. that you're not over Yeah. over, you know, Overinvest over contributing. in the Yeah. yeah. Correct. Overinvest in the Correct. But, yeah. realistically, you're the employee of your company, so there's nothing wrong with actually making the contribution from the company there. It would just be essentially set up as an employer contribution. So your company is putting that money into super you're the employer. With the way your structure is, if you're set up as a company, realistically, each year, you are supposed to receive contributions from the company as well. So your company Mhmm. is supposed to pay employee employee contributions or employer FTC contributions essentially to your super fund for you because as much as it's your company, you are still an employee of the company. So Mhmm. it is something that definitely needs to be taken into account, and I'm sure your accountant is well versed in making sure that that does happen for you. Mhmm. The so that's one way of making the contribution.","start_word":984,"end_word":1157,"sentiment":"neutral","sentiment_score":0.16193349488165187},{"text":"The other way is if you wanna maximize the cap out, you can do it, as I said, as a deductible contribution, which can be a little bit more beneficial on the tax side of things, making a contribution from your bank account to your super fund as a lump sum one off contribution. The whole amount does get invested at the one time into super, and then we Yep.","start_word":1158,"end_word":1227,"sentiment":"positive","sentiment_score":0.4585820436477661},{"text":"can claim that notice of intent for you. The notice of intent means the tax is taken out of that contribution inside the super system, and then you essentially says, like, say, if you made a $10,000 contribution, Mhmm. the the 15% tax is to take taken out of that, 10,000 for you, and then you get a letter to say that's all being completed. And then that $10,000, your accountant can then, have that, you know, deducted from your taxable income.","start_word":1228,"end_word":1309,"sentiment":"neutral","sentiment_score":0.17966009676456451},{"text":"So having making it as a deductible contribution can be a little bit more more of a tax advantage for you, but Mhmm.","start_word":1310,"end_word":1332,"sentiment":"positive","sentiment_score":0.4760037064552307},{"text":"at the same time, making having it done in sort of different ways. If you do it as a deductible contribution from your bank account, it's more a deduction for yourself. You'd need to speak to your accountant to make sure that it's gonna be okay to do it out of your company account to make sure that your company is okay with that.","start_word":1333,"end_word":1396,"sentiment":"neutral","sentiment_score":0.03799884021282196},{"text":"Otherwise, I can you can make it sorry.","start_word":1397,"end_word":1404,"sentiment":"negative","sentiment_score":-0.3388619124889374},{"text":"yes. You're at From my own personal account. Because I haven't Yeah. transfer any funds into my company account yet. Right. Yeah. But I have I do have funds from my Soul Trader account, the business Okay. account. Yeah. Yeah. Well, there's sufficient funds to pay the like, to contribute the balance of the this year's limit. Right. Yeah. Yes. Like, over 25,000. Yeah. Yeah. So Yeah. and then the the like, either way, the contribution will stay in my super account until the I am eligible to claim from That it. is Right? correct. Yep. Yeah. Yep. Yeah. Until you meet a condition of release. So at the moment, the condition is of release that you turn 60 and retire or if Mhmm. you continue working age 65 there. Yeah. Okay. For my age, is the eligible retired age will be 67. No. Age 60. Eight sixty. Yeah. So under your current, like essentially, it all sort of works on date of birth, but under the current eligibility or preservation age is what they call it, you can actually retire at 60 if Uh-huh. you decide to stop working and fully retire. Mhmm. If you continue working past age 60 and you get to age 65, Yes. then they make it if even if you're working at age 65, they make your super completely unpreserved, non restricted so you can access it regardless of work whether your working status is 65. Okay. And Oh, age 60 okay. seven is the age you can apply for the age pension through Centrelink if you're eligible. Oh, that's for age pension. Yeah. 67. Did you think you Oh, had to work to 65? no. I thought I just retire as soon as possible. Yeah. But Well, I yeah. hope I've given So you some good news. You could look at yeah. age 60 if you would like to there, Christie. Yeah. Age 60. So Yes. for my age, 73. So I might need there will be seven years to go. Yeah. Yes. It's You're not 50 it's three not early. this year? That's correct. Yeah. Yep. Yeah. It's not earlier, but I can't Unfortunately, access my that's phone. the earliest Yeah. we can do. Yeah. If you wanna Yeah. Yeah. if you had investments outside of Super or building your business to a point where you no longer had to physically work in it and other people could do it for you, then you'd be able to find ways to access the to be able to start working. But the earliest you can access through for the moment is age 60. Okay.","start_word":1405,"end_word":1844,"sentiment":"neutral","sentiment_score":0.05752039410343224},{"text":"Thanks for letting me know know That's about okay.","start_word":1845,"end_word":1853,"sentiment":"positive","sentiment_score":0.4919525384902954},{"text":"this. Yeah. Okay. I think after the discussion today, I might just like, the easiest way to contribute to get a tax benefits to my super at the moment Mhmm. might be just direct transfer the funds to Yep. to the super account Yeah. with the amount that I'm still most comfortable with. And Yeah. because setting up the com company contribution, we haven't haven't worked on it yet. Just, you Yes. know, the business just set up and the the company Yeah. just set up. There are so many things to go through, and I'm Absolutely. not sure whether my accountant will get that done that soon. So Yes. just no no no difference to my tax then benefit. Right? The deductible contribution and the company contribution, the maximum is the same and the tax benefits Well, the is the same. Right? the difference is making the deductible contribution for yourself. Like, as I said, if you were to put 10,000 into super there, that 10,000 goes into super. We claim that notice of intent, and the super fund takes a 58% tax. So the 15 Yep. percent tax doesn't change in any way, shape, or form. The Yep. main difference is that by making that deductible contribution, that 10,000 you've put in the super at tax time when you do your tax return, you can then go back to your accountant and say, I've put 10,000 in the super, and you wanna claim that 10,000 as a tax deduction.","start_word":1854,"end_word":2104,"sentiment":"neutral","sentiment_score":0.09736358374357224},{"text":"You then claim that full 10,000 back on your tax return as a tax deduction there.","start_word":2105,"end_word":2120,"sentiment":"positive","sentiment_score":0.33895933628082275},{"text":"With putting the money through, like, as an employer contribution or as an Yes.","start_word":2121,"end_word":2134,"sentiment":"neutral","sentiment_score":0.22108834981918335},{"text":"employee contribution through your company, that money goes through.","start_word":2135,"end_word":2143,"sentiment":"positive","sentiment_score":0.35701751708984375},{"text":"There's no real tax advantage to you. Your your accountant should be able to claim you as an employee and the money that Mhmm. that is put into super your business or your company can claim, but Uh-huh. you can't claim that personally because you're the Oh, employee yeah. of the company. But your accountant would be able to work that out a lot better for you. Okay. Yeah. Understand. Yeah. Yeah. Thank you It's so a little much. bit different. That's okay. It's a little bit different either way, but are you do you know which way you wanna go with it? Are you wanting to Probably just deduct the other deductible contribution Yep. because it's pushing close to the end of the financial year and Yes. for the company. Not that reasonable to make the huge contribution No. within Yeah. just one month, and I I wonder I wanna take the pressure from my cash flow. My Yeah. s And, like, realistically, my personal you've income. been working. Yeah. And, realistically, you've been working as a sole trader for the last year and and working for other people, so your marginal tax rate might be certainly higher. Yeah. Yeah. Yes. Yes. Yes. Yeah. So I I want this tax benefits Yeah. Most from people my my do look at the yeah. personal Most people income. do look at the deductible for that reason to make it easier. Yeah. Yes. Yes. Yeah. Okay. Yep. Thank you so much That's for your okay. advice. That's Yeah. alright. Did you want did you want some did you want me to email you or or did you wanna let us know once you've made that contribution to Super? Or do you need us to give you the details of how to make that contribution as a deductible contribution? How where to transfer the money to or how to transfer the money to a deductible contribution? How where to transfer the money to or how to transfer the money Yeah.","start_word":2144,"end_word":2480,"sentiment":"neutral","sentiment_score":0.04782596656096441},{"text":"That will to be great. Super? Yep. Beautiful.","start_word":2481,"end_word":2488,"sentiment":"positive","sentiment_score":0.6914389729499817},{"text":"What I'll do is I'll send you an email after the call if you like. It'll just give you a rundown on what the the deductible contribution is just relaying kind of what we've kinda gone through there. Yes. It'll have just a snippet of the bank account details for your super fund. If Mhmm. you decide you wanna make that as a deductible contribution, they realistically need to be in before the twentieth of this month. So trying to make that as soon Oh. as possible. Oh. Oh, okay. Not the thirtieth. No. Well, it needs to be in there before the thirtieth of this month. But, realistically, Yep. once the money goes into the super fund, your super fund has to receive it and then also, you know, move that money around or allocate it correctly. And it can take the super funds a bit of time to do that. So it's not an automatic system. They actually receive the money and then have to allocate it to the right part of your account and cross check a few things. So we like to sort of suggest try and have it in there no later than the twentieth of of this month. Yep. That way, Yep. it's in there with ten days to spare to make sure that it gets allocated correctly. Just because Yep. you do find there is a lot of people who are trying to make contributions before the end of the financial year, and there are a lot of people transferring the last two or three days, it's very Yeah. easy for things to get missed or for the super fund team to forget or Yeah. not allocated or just missed that. So it just gives Mhmm. that a little extra leniency, Yep. just making sure that you're covering your bases but with enough time for the super fund to do everything they need to do. Okay? Yep. Yeah. Yep. Okay. Yep. Sure. Alright.","start_word":2489,"end_word":2818,"sentiment":"neutral","sentiment_score":0.08206047862768173},{"text":"Excellent. I'll send you Thank I'll you send so you an much.","start_word":2819,"end_word":2830,"sentiment":"positive","sentiment_score":0.4808594485123952},{"text":"email shortly.","start_word":2831,"end_word":2832,"sentiment":"neutral","sentiment_score":0.2944304943084717},{"text":"That's okay. Just sort of outlining that deductible. It'll have the details there for you.","start_word":2833,"end_word":2847,"sentiment":"positive","sentiment_score":0.4076704978942871},{"text":"If you have additional questions, come back and let me know. And Yep. then if you wanna let me know once you've made that contribution, we can go and claim that notice of intent for you. Okay? Okay. Can I ask for that deductible contribution, Yeah. does it matter the funds were transferred from my Soul Trader Business account or from my personal account? Any difference? No. It shouldn't make any difference because as a sole trader, all of the income that you receive is it's all added to your personal name anyway. It's all taxed the same way, so that Yes. shouldn't Okay. be a problem. Yeah. Okay.","start_word":2848,"end_word":2956,"sentiment":"neutral","sentiment_score":0.07358638197183609},{"text":"Not a problem. Excellent. Thank you.","start_word":2957,"end_word":2962,"sentiment":"positive","sentiment_score":0.5810666084289551},{"text":"And That's also, okay. can I can I ask whether you can give me some advice for the, say, the company car if I want plan to buy a company car? Is it a question from, for you or for my accountant? That would honestly be something for your accountant. Okay. That is taking into account sort of the the whole financial taxable side of things. And there's other things to consider there, like CGT credits, the overall tax component, how much your loan would cost that you'd have to repay, what the deductibility is, what kind of car you're looking at. They've also gotta take into account things like fringe benefits, tax, Mhmm. how to keep the records completed as correctly as possible for the ATO and depreciation and things like that. So definitely Yeah. have a a chat to your accountant about purchasing a motor vehicle through the company. That would Mhmm. definitely be a them thing, and they'll be able to have a really good look at whether that's worthwhile for you. Okay? Yes. Okay. Yep.","start_word":2963,"end_word":3141,"sentiment":"neutral","sentiment_score":0.11483436077833176},{"text":"Thank you so much, Dana. That's okay.","start_word":3142,"end_word":3148,"sentiment":"positive","sentiment_score":0.5497459173202515},{"text":"I'll send you a recap email just letting you in on those last couple of things. And if you find you Mhmm. have any additional questions, let me know. Okay? Okay. Yep.","start_word":3149,"end_word":3180,"sentiment":"neutral","sentiment_score":0.2127592526376247},{"text":"Will do. No worries. I hope you have a good evening. Thank you. You too. Thanks. See you later.","start_word":3181,"end_word":3199,"sentiment":"positive","sentiment_score":0.6519554257392883},{"text":"Bye. Bye.","start_word":3200,"end_word":3201,"sentiment":"neutral","sentiment_score":0.2704412341117859}],"average":{"sentiment":"neutral","sentiment_score":0.11211855340874828}}}}