{"metadata":{"transaction_key":"deprecated","request_id":"019f176f-f344-7c21-b832-c27ee5b0e6e9","sha256":"7aeabf964d6f065d1a557aa7800536e2b19920018b1c8ee9649b1f5dfc2f625e","created":"2026-06-30T07:30:43.172Z","duration":620.20795,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":1726,"output_tokens":79},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":1970,"output_tokens":1974},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":1970,"output_tokens":250}},"results":{"channels":[{"alternatives":[{"transcript":"That's okay. That's okay. The last I heard was the 2,019, which matches that 25 total ish that I can see on the statement. Yeah. Correct. That's been pretty much all this financial year of the '12. Yeah. Pretty much exact. From what I can see inside the statement, it's 25,033 when we downloaded it. And then with your your gross income from that side year to date, is it above 200? Because it would incorporate that bonus. Yeah. And what does that come out to be? Okay. Perfect. Alright. So the interesting thing here, just quickly, is because they're not paying the super on the total amount, you're not worried about the caps at this point. It'll be under the 30,000 because 25 is going in. But because your total income's just about $2.60, they're gonna be doing this division two nine three thing where they go your income plus contributions is above $2.02 50. So you'll get that extra 15% tax taken out. When you do your tax return, they'll send you the bill for the super tax. K? Not the worst thing in the world because it still means you still get on that portion above. It's 30% instead of 15, but compared to what you're paying for the income, still gonna be better off. It's just that that bonus kind of tips you up into division two nine three. Yeah. I'm still here. They'll send you a letter saying you can either pay it personally or, like, to have it come out of the super anyway just from usually, just from the super is fine. It's the same heat neither here nor there. So one thing I wanna do is to kind of tie all this in together a little bit. I want to check your myGov account because they would have a section there for unused cap that I need to use for this strategy. That'd be great. I'll kind of coach you through where to find it. Yep. So you need to go to the Australian tax office, the ATO section, if you've got that linked. Yep. And then once you're there, there'll be a little three line menu button at the top left. No. Still here. So Yep. So go super and then go to they've just moved it. Super information. Yep. So go information, and then you wanna click another one just below it, carry forward concessional. K. Alright. 23072¢. And then it says not eligible, so it's got a little red bubble. Yeah. Okay. It should do. Gotcha. So what they've done is they've added a cutoff for the financial year for your super balance when it's above 500,000. That's why it's not eligible. Because you're above 500, they've cut it off. As they always do, you get a little bit up to the medium bracket, and then all of a sudden, they chop the ladder out, but not the worst thing in the world. Yeah. So if the balance falls below 500,000, then you can trigger that. Yeah. Which is part of what I'm thinking is if we're not gonna do like a so the concessional lump sums to reduce the tax, that's kind of out the window except for the 32 and a half cap for next year. That's the only little bit of wiggle room you've got. But the non concessional cap where you can get a nice bulk in there of I think it's a 120, 130 now, That's still available as well. But that's not a tax deduction. It's just, let's say you sell a property and you do post tax dollars, you can get a lump sum in there as well. That's okay. I I have a Teams Teams online might work. That's okay. Why don't I put it in for a quick Teams? I'll just keep it as a audio just so the Internet doesn't cause any issues there, and I'll send you an invite. Yeah. No. That's cool. Why don't I send you through an invite in the next few minutes, and we can switch across? Yeah. Let me have a look. I've got the yep. That's the one I've got. I'm just gonna keep it here while it comes through just to see if it comes through okay. K. Alright. So I'm gonna pop that through to BigPond now. That should come through in the next minute or so. And then just see if that invite comes through because I won't switch across until you've got it. Perfect. So see if you can join there, and then I'll 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okay. That's okay. The last I heard was the 2,019, which matches that 25 total ish that I can see on the statement. Yeah. Correct.\n\nThat's been pretty much all this financial year of the '12. Yeah. Pretty much exact. From what I can see inside the statement, it's 25,033 when we downloaded it. And then with your your gross income from that side year to date, is it above 200?\n\nBecause it would incorporate that bonus. Yeah. And what does that come out to be? Okay. Perfect.\n\nAlright. So the interesting thing here, just quickly, is because they're not paying the super on the total amount, you're not worried about the caps at this point. It'll be under the 30,000 because 25 is going in. But because your total income's just about $2.60, they're gonna be doing this division two nine three thing where they go your income plus contributions is above $2.02 50. So you'll get that extra 15% tax taken out.\n\nWhen you do your tax return, they'll send you the bill for the super tax. K? Not the worst thing in the world because it still means you still get on that portion above. It's 30% instead of 15, but compared to what you're paying for the income, still gonna be better off. It's just that that bonus kind of tips you up into division two nine three.\n\nYeah. I'm still here. They'll send you a letter saying you can either pay it personally or, like, to have it come out of the super anyway just from usually, just from the super is fine. It's the same heat neither here nor there. So one thing I wanna do is to kind of tie all this in together a little bit.\n\nI want to check your myGov account because they would have a section there for unused cap that I need to use for this strategy. That'd be great. I'll kind of coach you through where to find it. Yep. So you need to go to the Australian tax office, the ATO section, if you've got that linked.\n\nYep. And then once you're there, there'll be a little three line menu button at the top left. No. Still here. So Yep.\n\nSo go super and then go to they've just moved it. Super information. Yep. So go information, and then you wanna click another one just below it, carry forward concessional. K.\n\nAlright. 23072¢. And then it says not eligible, so it's got a little red bubble. Yeah. Okay.\n\nIt should do. Gotcha. So what they've done is they've added a cutoff for the financial year for your super balance when it's above 500,000. That's why it's not eligible. Because you're above 500, they've cut it off.\n\nAs they always do, you get a little bit up to the medium bracket, and then all of a sudden, they chop the ladder out, but not the worst thing in the world. Yeah. So if the balance falls below 500,000, then you can trigger that. Yeah. Which is part of what I'm thinking is if we're not gonna do like a so the concessional lump sums to reduce the tax, that's kind of out the window except for the 32 and a half cap for next year.\n\nThat's the only little bit of wiggle room you've got. But the non concessional cap where you can get a nice bulk in there of I think it's a 120, 130 now, That's still available as well. But that's not a tax deduction. It's just, let's say you sell a property and you do post tax dollars, you can get a lump sum in there as well. That's okay.\n\nI I have a Teams Teams online might work. That's okay. Why don't I put it in for a quick Teams? I'll just keep it as a audio just so the Internet doesn't cause any issues there, and I'll send you an invite. Yeah.\n\nNo. That's cool. Why don't I send you through an invite in the next few minutes, and we can switch across? Yeah. Let me have a look.\n\nI've got the yep. That's the one I've got. I'm just gonna keep it here while it comes through just to see if it comes through okay. K. Alright.\n\nSo I'm gonna pop that through to BigPond now. That should come through in the next minute or so. And then just see if that invite comes through because I won't switch across until you've got it. Perfect. So see if you can join there, and then I'll yep.","paragraphs":[{"sentences":[{"text":"That's okay.","start":5.12,"end":5.8399997,"sentiment":"neutral","sentiment_score":-0.14127753302454948},{"text":"That's okay.","start":5.8399997,"end":6.48,"sentiment":"neutral","sentiment_score":0.10404022783041},{"text":"The last I heard was the 2,019, which matches that 25 total ish that I can see on the statement.","start":6.48,"end":13.54,"sentiment":"neutral","sentiment_score":-0.00006544711068272591},{"text":"Yeah.","start":21.565,"end":21.885,"sentiment":"neutral","sentiment_score":0.06191264092922211},{"text":"Correct.","start":21.885,"end":22.385,"sentiment":"neutral","sentiment_score":0.08961588889360428}],"sentiment":"neutral","sentiment_score":0.0029132683546497272,"num_words":26,"start":5.12,"end":22.385},{"sentences":[{"text":"That's been pretty much all this financial year of the '12.","start":23.085,"end":26.385,"sentiment":"neutral","sentiment_score":0.06359190087426793},{"text":"Yeah.","start":32.440002,"end":32.760002,"sentiment":"neutral","sentiment_score":0.06014647334814072},{"text":"Pretty much exact.","start":32.760002,"end":33.82,"sentiment":"neutral","sentiment_score":0.0830443302790324},{"text":"From what I can see inside the statement, it's 25,033 when we downloaded it.","start":34.2,"end":41.184998,"sentiment":"neutral","sentiment_score":0.061744652156318934},{"text":"And then with your your gross income from that side year to date, is it above 200?","start":43.885,"end":50.545,"sentiment":"neutral","sentiment_score":0.056307190043084765}],"sentiment":"neutral","sentiment_score":0.061531255102675896,"num_words":46,"start":23.085,"end":50.545},{"sentences":[{"text":"Because it would incorporate that bonus.","start":51.02,"end":52.8,"sentiment":"neutral","sentiment_score":0.07468719159563382},{"text":"Yeah.","start":58.379997,"end":58.62,"sentiment":"neutral","sentiment_score":0.04706491157412529},{"text":"And what does that come out to be?","start":58.62,"end":60.48,"sentiment":"neutral","sentiment_score":0.03245137422345579},{"text":"Okay.","start":67.595,"end":68.095,"sentiment":"positive","sentiment_score":0.3559189438819885},{"text":"Perfect.","start":69.035,"end":69.535,"sentiment":"neutral","sentiment_score":0.32715219259262085}],"sentiment":"neutral","sentiment_score":0.0845805994947167,"num_words":17,"start":51.02,"end":69.535},{"sentences":[{"text":"Alright.","start":74.955,"end":75.355,"sentiment":"neutral","sentiment_score":0.2088931500911713},{"text":"So the interesting thing here, just quickly, is because they're not paying the super on the total amount, you're not worried about the caps at this point.","start":75.355,"end":86.45,"sentiment":"neutral","sentiment_score":0.029289688363119407},{"text":"It'll be under the 30,000 because 25 is going in.","start":86.45,"end":89.75,"sentiment":"neutral","sentiment_score":0.021823033690452576},{"text":"But because your total income's just about $2.60, they're gonna be doing this division two nine three thing where they go your income plus contributions is above $2.02 50.","start":91.905,"end":104.965,"sentiment":"neutral","sentiment_score":0.06510471263579254},{"text":"So you'll get that extra 15% tax taken out.","start":105.200005,"end":108.18,"sentiment":"neutral","sentiment_score":0.1015440250436465}],"sentiment":"neutral","sentiment_score":0.05289313111356214,"num_words":76,"start":74.955,"end":108.18},{"sentences":[{"text":"When you do your tax return, they'll send you the bill for the super tax.","start":108.8,"end":112.66,"sentiment":"neutral","sentiment_score":0.035481719921032585},{"text":"K?","start":114.8,"end":115.28,"sentiment":"neutral","sentiment_score":-0.15181364119052887},{"text":"Not the worst thing in the world because it still means you still get on that portion above.","start":115.28,"end":120.845,"sentiment":"neutral","sentiment_score":-0.18757114435235658},{"text":"It's 30% instead of 15, but compared to what you're paying for the income, still gonna be better off.","start":120.905,"end":128.605,"sentiment":"neutral","sentiment_score":-0.11998883174046089},{"text":"It's just that that bonus kind of tips you up into division two nine three.","start":129.945,"end":133.26,"sentiment":"neutral","sentiment_score":0.09461062649885814}],"sentiment":"neutral","sentiment_score":-0.05671318891622564,"num_words":68,"start":108.8,"end":133.26},{"sentences":[{"text":"Yeah.","start":137.81999,"end":138.06,"sentiment":"neutral","sentiment_score":-0.05171756446361542},{"text":"I'm still here.","start":138.06,"end":138.87999,"sentiment":"neutral","sentiment_score":-0.08678952356179555},{"text":"They'll send you a letter saying you can either pay it personally or, like, to have it come out of the super anyway just from usually, just from the super is fine.","start":148.47499,"end":159.62999,"sentiment":"neutral","sentiment_score":0.08401540841441602},{"text":"It's the same heat neither here nor there.","start":160.01,"end":162.67,"sentiment":"neutral","sentiment_score":-0.017351639457046986},{"text":"So one thing I wanna do is to kind of tie all this in together a little bit.","start":164.81,"end":169.995,"sentiment":"neutral","sentiment_score":0.13940547530849776}],"sentiment":"neutral","sentiment_score":0.07656278022594991,"num_words":62,"start":137.81999,"end":169.995},{"sentences":[{"text":"I want to check your myGov account because they would have a section there for unused cap that I need to use for this strategy.","start":171.435,"end":182.25499,"sentiment":"neutral","sentiment_score":-0.008240915536880493},{"text":"That'd be great.","start":185.3,"end":186.2,"sentiment":"positive","sentiment_score":0.621084968249003},{"text":"I'll kind of coach you through where to find it.","start":186.42,"end":188.59999,"sentiment":"positive","sentiment_score":0.34322645962238313},{"text":"Yep.","start":232.64,"end":233.14,"sentiment":"neutral","sentiment_score":0.031266290694475174},{"text":"So you need to go to the Australian tax office, the ATO section, if you've got that linked.","start":234.07999,"end":239.93999,"sentiment":"neutral","sentiment_score":0.03414979546020428}],"sentiment":"neutral","sentiment_score":0.1006220916057365,"num_words":57,"start":171.435,"end":239.93999},{"sentences":[{"text":"Yep.","start":242.97499,"end":243.47499,"sentiment":"neutral","sentiment_score":0.054982732981443405},{"text":"And then once you're there, there'll be a little three line menu button at the top left.","start":243.775,"end":249.555,"sentiment":"neutral","sentiment_score":0.03702879938132623},{"text":"No.","start":253.69499,"end":253.935,"sentiment":"neutral","sentiment_score":-0.06881693750619888},{"text":"Still here.","start":253.935,"end":254.43,"sentiment":"neutral","sentiment_score":-0.04777362197637558},{"text":"So Yep.","start":260.19,"end":261.31,"sentiment":"neutral","sentiment_score":0.12985175102949142}],"sentiment":"neutral","sentiment_score":0.033904854046261826,"num_words":23,"start":242.97499,"end":261.31},{"sentences":[{"text":"So go super and then go to they've just moved it.","start":261.31,"end":267.525,"sentiment":"neutral","sentiment_score":0.14004010978070172},{"text":"Super information.","start":268.405,"end":270.185,"sentiment":"positive","sentiment_score":0.6034090220928192},{"text":"Yep.","start":271.445,"end":271.945,"sentiment":"neutral","sentiment_score":0.02754533663392067},{"text":"So go information, and then you wanna click another one just below it, carry forward concessional.","start":272.88498,"end":281.54498,"sentiment":"neutral","sentiment_score":0.022948758502025157},{"text":"K.","start":293.96,"end":294.375,"sentiment":"neutral","sentiment_score":0.002441628836095333}],"sentiment":"neutral","sentiment_score":0.10143310817018632,"num_words":31,"start":261.31,"end":294.375},{"sentences":[{"text":"Alright.","start":303.015,"end":303.515,"sentiment":"neutral","sentiment_score":0.026135247200727463},{"text":"23072¢.","start":303.735,"end":306.075},{"text":"And then it says not eligible, so it's got a little red bubble.","start":307.175,"end":312.23,"sentiment":"neutral","sentiment_score":-0.12523527214160332},{"text":"Yeah.","start":326.54498,"end":327.04498,"sentiment":"neutral","sentiment_score":0.009328573942184448},{"text":"Okay.","start":343.6,"end":344.1,"sentiment":"neutral","sentiment_score":-0.027679139748215675}],"sentiment":"neutral","sentiment_score":-0.10126711602788419,"num_words":17,"start":303.015,"end":344.1},{"sentences":[{"text":"It should do.","start":346.175,"end":347.315,"sentiment":"neutral","sentiment_score":0.12441951781511307},{"text":"Gotcha.","start":363.55,"end":364.05,"sentiment":"neutral","sentiment_score":-0.043286390602588654},{"text":"So what they've done is they've added a cutoff for the financial year for your super balance when it's above 500,000.","start":364.11002,"end":373.48502,"sentiment":"neutral","sentiment_score":-0.13119513860770635},{"text":"That's why it's not eligible.","start":373.625,"end":374.92502,"sentiment":"neutral","sentiment_score":-0.2872793972492218},{"text":"Because you're above 500, they've cut it off.","start":375.225,"end":377.725,"sentiment":"neutral","sentiment_score":-0.2754827197641134}],"sentiment":"neutral","sentiment_score":-0.15961538137573944,"num_words":38,"start":346.175,"end":377.725},{"sentences":[{"text":"As they always do, you get a little bit up to the medium bracket, and then all of a sudden, they chop the ladder out, but not the worst thing in the world.","start":380.505,"end":389.04,"sentiment":"neutral","sentiment_score":-0.18256516777204745},{"text":"Yeah.","start":407.69,"end":408.19,"sentiment":"neutral","sentiment_score":-0.14307208359241486},{"text":"So if the balance falls below 500,000, then you can trigger that.","start":409.69,"end":414.83002,"sentiment":"neutral","sentiment_score":-0.1201662855843703},{"text":"Yeah.","start":417.37,"end":417.825,"sentiment":"neutral","sentiment_score":-0.04386499524116516},{"text":"Which is part of what I'm thinking is if we're not gonna do like a so the concessional lump sums to reduce the tax, that's kind of out the window except for the 32 and a half cap for next year.","start":418.065,"end":430.23,"sentiment":"neutral","sentiment_score":-0.046705070371944005}],"sentiment":"neutral","sentiment_score":-0.10873285144969652,"num_words":88,"start":380.505,"end":430.23},{"sentences":[{"text":"That's the only little bit of wiggle room you've got.","start":431.11002,"end":433.67,"sentiment":"neutral","sentiment_score":-0.04932121289893985},{"text":"But the non concessional cap where you can get a nice bulk in there of I think it's a 120, 130 now, That's still available as well.","start":433.67,"end":444.985,"sentiment":"neutral","sentiment_score":0.12259589383999507},{"text":"But that's not a tax deduction.","start":445.125,"end":446.82498,"sentiment":"neutral","sentiment_score":-0.039759750167528786},{"text":"It's just, let's say you sell a property and you do post tax dollars, you can get a lump sum in there as well.","start":447.205,"end":453.785,"sentiment":"neutral","sentiment_score":0.09004008433839772},{"text":"That's okay.","start":465.38,"end":466.2,"sentiment":"neutral","sentiment_score":0.018258036114275455}],"sentiment":"neutral","sentiment_score":0.0692144434787738,"num_words":69,"start":431.11002,"end":466.2},{"sentences":[{"text":"I I have a Teams Teams online might work.","start":472.835,"end":478.215,"sentiment":"neutral","sentiment_score":0.029717603491412267},{"text":"That's okay.","start":488.05002,"end":488.69,"sentiment":"neutral","sentiment_score":0.09710032492876053},{"text":"Why don't I put it in for a quick Teams?","start":488.69,"end":491.11002,"sentiment":"neutral","sentiment_score":0.11526756845414639},{"text":"I'll just keep it as a audio just so the Internet doesn't cause any issues there, and I'll send you an invite.","start":491.25,"end":498.055,"sentiment":"neutral","sentiment_score":0.08635734157128767},{"text":"Yeah.","start":502.835,"end":503.155,"sentiment":"neutral","sentiment_score":0.04884897172451019}],"sentiment":"neutral","sentiment_score":0.08097830118442123,"num_words":44,"start":472.835,"end":503.155},{"sentences":[{"text":"No.","start":503.155,"end":503.315,"sentiment":"neutral","sentiment_score":0.028418786823749546},{"text":"That's cool.","start":503.315,"end":503.955,"sentiment":"neutral","sentiment_score":0.2636212706565857},{"text":"Why don't I send you through an invite in the next few minutes, and we can switch across?","start":503.955,"end":508.46002,"sentiment":"neutral","sentiment_score":0.11325165919131702},{"text":"Yeah.","start":512.84,"end":513.08,"sentiment":"neutral","sentiment_score":0.09334395825862885},{"text":"Let me have a look.","start":513.08,"end":514.04004,"sentiment":"neutral","sentiment_score":0.08570800125598907}],"sentiment":"neutral","sentiment_score":0.1154101910414519,"num_words":27,"start":503.155,"end":514.04004},{"sentences":[{"text":"I've got the yep.","start":514.04004,"end":517.64,"sentiment":"neutral","sentiment_score":0.044451549649238586},{"text":"That's the one I've got.","start":517.64,"end":518.76,"sentiment":"neutral","sentiment_score":0.06996296867728233},{"text":"I'm just gonna keep it here while it comes through just to see if it comes through okay.","start":518.76,"end":522.46,"sentiment":"neutral","sentiment_score":0.0438755653384659},{"text":"K.","start":532.415,"end":532.915,"sentiment":"neutral","sentiment_score":0.011872343719005585},{"text":"Alright.","start":541.95,"end":542.27,"sentiment":"neutral","sentiment_score":0.07703864574432373}],"sentiment":"neutral","sentiment_score":0.04849283474272695,"num_words":29,"start":514.04004,"end":542.27},{"sentences":[{"text":"So I'm gonna pop that through to BigPond now.","start":542.27,"end":546.37,"sentiment":"neutral","sentiment_score":0.0711594203280078},{"text":"That should come through in the next minute or so.","start":546.75,"end":549.105,"sentiment":"neutral","sentiment_score":0.05112219322472811},{"text":"And then just see if that invite comes through because I won't switch across until you've got it.","start":572.88,"end":582.635,"sentiment":"neutral","sentiment_score":0.05340908747166395},{"text":"Perfect.","start":591.83,"end":592.33,"sentiment":"neutral","sentiment_score":0.2901596426963806},{"text":"So see if you can join there, and then I'll yep.","start":592.39,"end":596.25,"sentiment":"neutral","sentiment_score":0.09259542416442525}],"sentiment":"neutral","sentiment_score":0.06983121628968084,"num_words":49,"start":542.27,"end":596.25}]}}]},{"alternatives":[{"transcript":"Hey, Tommy. Sorry, mate. I'm in a really bad spot for reception. Okay. So just thinking, remembering to we we've gone now to 12%. Right? So yeah. So the it's in the numbers I gave you, are they are they aligning to what you see? Okay. Alright. Okay. Yeah. Yeah. Yeah. The 33,000 bonus in there. So the so the year to date gross was $2.05 $7.08 $9.00 and 20¢. Right. Okay. Yeah. Oh, Shit. Okay. Is it gonna come is it you there? Oh, sorry. I thought the call just dropped. Okay. So that that's gonna I'm gonna get another bill come to me. What's the best way to do it? Yeah. Okay. Okay. Yep. Alright. Yeah. Yeah. Okay. Just alright. Just give me a sec. I'll log in. Hang on. I've I've let let's let me try and get there first because I think I only went in about a couple of weeks ago. My line in. Alright. I'm in there. Where do you need me to go to? I'm on the home page. Yeah. I have, so I can go there. K. Just hang on. I think you're about to drop out. You dropped out? Okay. Okay. So I'm in I'm in there now. Where do you want me to look at? Super. There's fun, detailed information, Manny. Sorry? Which one? Yeah. Concessional? Concessional card forward. Okay. So if I bring that up now, current is of the June 27, unused contribution available to carry forward, not eligible. It says twenty three thousand and seventy two and twenty three thousand and seventy two cents. Yeah. Oh, show detail. Yeah. Not not yeah. So I clicked on that, and it shows me all the concessional contributions. Cap, it shows me concessional contribution cap and concessional contributions. And in there, it's got unused. So unused concessional contribution cap for last year was $5,255.87. Does that not carry forward? Now if I look at the top, there's there's also it says here for 2526 financial year, it says total carry forward concessional contribution cap is 137,500 exactly. And then it says concessional contribution of $1.02 $7.03 $2.04 and 17¢. I assume the balance I think unused concessional cap available for carry forward is just 23,072. I don't know what the hell that means. Okay. The in the but not in my case. Right? Right. Okay. Alright. I do you just keep fading in and out, mate. Let me let me move. I'll have to talk to you. I'm not in my screen. I've gone to the door so I can hear you. Alright. May maybe easier. Do do you have Zoom? No. Yeah. Okay. Alright. Let yeah. Because I'm I literally have to walk to the balcony and talk to you, but I'm not using my computer. Right. That that's where I need to that's where I need your audio to be good because the phone is terrible. Yep. Yeah. Send the invite to my BigPond email. So wiven.detail@bigpond.com. Yeah. If if it doesn't if it doesn't, try my Outlook one, which is the Microsoft, which is wiven.cito@outlook.com.au. Because it's Microsoft and Teams, it might work better that way. But just try the BigPond first. Yeah. Okay. Let me let me switch on that. Right. Yeah. Next connect comes through. Not yet. Oh, okay. It's going to jump. It's alright. I've got it. It's come through. If I do let me let me accept it first. 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Tommy. Sorry, mate. I'm in a really bad spot for reception. Okay. So just thinking, remembering to we we've gone now to 12%.\n\nRight? So yeah. So the it's in the numbers I gave you, are they are they aligning to what you see? Okay. Alright.\n\nOkay. Yeah. Yeah. Yeah. The 33,000 bonus in there.\n\nSo the so the year to date gross was $2.05 $7.08 $9.00 and 20¢. Right. Okay. Yeah. Oh, Shit.\n\nOkay. Is it gonna come is it you there? Oh, sorry. I thought the call just dropped. Okay.\n\nSo that that's gonna I'm gonna get another bill come to me. What's the best way to do it? Yeah. Okay. Okay.\n\nYep. Alright. Yeah. Yeah. Okay.\n\nJust alright. Just give me a sec. I'll log in. Hang on. I've I've let let's let me try and get there first because I think I only went in about a couple of weeks ago.\n\nMy line in. Alright. I'm in there. Where do you need me to go to? I'm on the home page.\n\nYeah. I have, so I can go there. K. Just hang on. I think you're about to drop out.\n\nYou dropped out? Okay. Okay. So I'm in I'm in there now. Where do you want me to look at?\n\nSuper. There's fun, detailed information, Manny. Sorry? Which one? Yeah.\n\nConcessional? Concessional card forward. Okay. So if I bring that up now, current is of the June 27, unused contribution available to carry forward, not eligible. It says twenty three thousand and seventy two and twenty three thousand and seventy two cents.\n\nYeah. Oh, show detail. Yeah. Not not yeah. So I clicked on that, and it shows me all the concessional contributions.\n\nCap, it shows me concessional contribution cap and concessional contributions. And in there, it's got unused. So unused concessional contribution cap for last year was $5,255.87. Does that not carry forward? Now if I look at the top, there's there's also it says here for 2526 financial year, it says total carry forward concessional contribution cap is 137,500 exactly.\n\nAnd then it says concessional contribution of $1.02 $7.03 $2.04 and 17¢. I assume the balance I think unused concessional cap available for carry forward is just 23,072. I don't know what the hell that means. Okay. The in the but not in my case.\n\nRight? Right. Okay. Alright. I do you just keep fading in and out, mate.\n\nLet me let me move. I'll have to talk to you. I'm not in my screen. I've gone to the door so I can hear you. Alright.\n\nMay maybe easier. Do do you have Zoom? No. Yeah. Okay.\n\nAlright. Let yeah. Because I'm I literally have to walk to the balcony and talk to you, but I'm not using my computer. Right. That that's where I need to that's where I need your audio to be good because the phone is terrible.\n\nYep. Yeah. Send the invite to my BigPond email. So wiven.detail@bigpond.com. Yeah.\n\nIf if it doesn't if it doesn't, try my Outlook one, which is the Microsoft, which is wiven.cito@outlook.com.au. Because it's Microsoft and Teams, it might work better that way. But just try the BigPond first. Yeah. Okay.\n\nLet me let me switch on that. Right. Yeah. Next connect comes through. Not yet.\n\nOh, okay. It's going to jump. It's alright. I've got it. It's come through.\n\nIf I do let me let me accept it first. Let me accept it so that you","paragraphs":[{"sentences":[{"text":"Hey, Tommy.","start":0.48,"end":1.1999999,"sentiment":"neutral","sentiment_score":-0.06962741538882256},{"text":"Sorry, mate.","start":1.1999999,"end":1.76,"sentiment":"negative","sentiment_score":-0.35655350983142853},{"text":"I'm in a really bad spot for reception.","start":1.76,"end":4.34,"sentiment":"negative","sentiment_score":-0.7127887979149818},{"text":"Okay.","start":15.36,"end":15.855,"sentiment":"neutral","sentiment_score":0.04357388988137245},{"text":"So just thinking, remembering to we we've gone now to 12%.","start":16.654999,"end":20.175,"sentiment":"neutral","sentiment_score":0.03703307258811864}],"sentiment":"neutral","sentiment_score":-0.2543222727254033,"num_words":24,"start":0.48,"end":20.175},{"sentences":[{"text":"Right?","start":20.175,"end":20.675,"sentiment":"neutral","sentiment_score":0.047220200300216675},{"text":"So yeah.","start":23.535,"end":26.435,"sentiment":"neutral","sentiment_score":0.06106068938970566},{"text":"So the it's in the numbers I gave you, are they are they aligning to what you see?","start":26.974998,"end":31.89,"sentiment":"neutral","sentiment_score":0.05481184936232037},{"text":"Okay.","start":38.51,"end":39.01,"sentiment":"neutral","sentiment_score":0.07107304036617279},{"text":"Alright.","start":39.39,"end":39.89,"sentiment":"neutral","sentiment_score":0.09218370169401167}],"sentiment":"neutral","sentiment_score":0.05735702650702518,"num_words":23,"start":20.175,"end":39.89},{"sentences":[{"text":"Okay.","start":41.79,"end":42.29,"sentiment":"neutral","sentiment_score":0.06801152229309082},{"text":"Yeah.","start":54.125,"end":54.365,"sentiment":"neutral","sentiment_score":0.07019221037626266},{"text":"Yeah.","start":54.365,"end":54.765,"sentiment":"neutral","sentiment_score":0.07362933456897736},{"text":"Yeah.","start":54.765,"end":55.165,"sentiment":"neutral","sentiment_score":0.080072320997715},{"text":"The 33,000 bonus in there.","start":55.165,"end":57.425003,"sentiment":"neutral","sentiment_score":0.09817725419998169}],"sentiment":"neutral","sentiment_score":0.08697685102621715,"num_words":9,"start":41.79,"end":57.425003},{"sentences":[{"text":"So the so the year to date gross was $2.05 $7.08 $9.00 and 20¢.","start":58.285004,"end":67.52,"sentiment":"neutral","sentiment_score":0.030563537031412125},{"text":"Right.","start":90.41,"end":90.73,"sentiment":"neutral","sentiment_score":0.05727110058069229},{"text":"Okay.","start":90.73,"end":91.23,"sentiment":"neutral","sentiment_score":0.05148369073867798},{"text":"Yeah.","start":97.05,"end":97.55,"sentiment":"neutral","sentiment_score":0.07389549165964127},{"text":"Oh, Shit.","start":111.325,"end":123.79,"sentiment":"neutral","sentiment_score":-0.07711073104292154}],"sentiment":"neutral","sentiment_score":0.023653044572307005,"num_words":19,"start":58.285004,"end":123.79},{"sentences":[{"text":"Okay.","start":129.785,"end":130.285,"sentiment":"neutral","sentiment_score":0.04400419443845749},{"text":"Is it gonna come is it you there?","start":131.385,"end":137.325,"sentiment":"neutral","sentiment_score":0.05666954768821597},{"text":"Oh, sorry.","start":139.065,"end":139.625,"sentiment":"neutral","sentiment_score":-0.2055172622203827},{"text":"I thought the call just dropped.","start":139.625,"end":141.21,"sentiment":"neutral","sentiment_score":-0.30850058297316235},{"text":"Okay.","start":143.03,"end":143.53,"sentiment":"neutral","sentiment_score":-0.13976344466209412}],"sentiment":"neutral","sentiment_score":-0.10580227172209157,"num_words":18,"start":129.785,"end":143.53},{"sentences":[{"text":"So that that's gonna I'm gonna get another bill come to me.","start":143.99,"end":147.61,"sentiment":"neutral","sentiment_score":-0.1504236857096354},{"text":"What's the best way to do it?","start":155.925,"end":157.625,"sentiment":"neutral","sentiment_score":0.07652736721294266},{"text":"Yeah.","start":160.005,"end":160.405,"sentiment":"neutral","sentiment_score":0.12097589671611786},{"text":"Okay.","start":160.405,"end":160.905,"sentiment":"neutral","sentiment_score":0.04700009524822235},{"text":"Okay.","start":161.365,"end":161.865,"sentiment":"neutral","sentiment_score":-0.02028821036219597}],"sentiment":"neutral","sentiment_score":-0.05098658529194919,"num_words":22,"start":143.99,"end":161.865},{"sentences":[{"text":"Yep.","start":163.045,"end":163.445,"sentiment":"neutral","sentiment_score":0.06709758937358856},{"text":"Alright.","start":163.445,"end":163.92,"sentiment":"neutral","sentiment_score":0.13486751914024353},{"text":"Yeah.","start":170.31999,"end":170.81999,"sentiment":"neutral","sentiment_score":0.04675482213497162},{"text":"Yeah.","start":176.4,"end":176.9,"sentiment":"neutral","sentiment_score":-0.010306051932275295},{"text":"Okay.","start":180.645,"end":180.965,"sentiment":"neutral","sentiment_score":-0.011954331770539284}],"sentiment":"neutral","sentiment_score":0.045291909389197825,"num_words":5,"start":163.045,"end":180.965},{"sentences":[{"text":"Just alright.","start":180.965,"end":182.885,"sentiment":"neutral","sentiment_score":0.03603341244161129},{"text":"Just give me a sec.","start":182.885,"end":183.765,"sentiment":"neutral","sentiment_score":0.0729239821434021},{"text":"I'll log in.","start":183.765,"end":184.245,"sentiment":"neutral","sentiment_score":0.05302037174503008},{"text":"Hang on.","start":184.245,"end":185.065,"sentiment":"neutral","sentiment_score":0.10528529435396194},{"text":"I've I've let let's let me try and get there first because I think I only went in about a couple of weeks ago.","start":189.765,"end":195.38,"sentiment":"neutral","sentiment_score":0.04523776238784194}],"sentiment":"neutral","sentiment_score":0.05255624269031816,"num_words":36,"start":180.965,"end":195.38},{"sentences":[{"text":"My line in.","start":195.38,"end":198.36,"sentiment":"neutral","sentiment_score":0.02224208911259969},{"text":"Alright.","start":230.31999,"end":230.745,"sentiment":"neutral","sentiment_score":0.07192981243133545},{"text":"I'm in there.","start":231.065,"end":231.965,"sentiment":"neutral","sentiment_score":0.06307146449883778},{"text":"Where do you need me to go to?","start":232.265,"end":233.885,"sentiment":"neutral","sentiment_score":0.022858604788780212},{"text":"I'm on the home page.","start":234.025,"end":235.405,"sentiment":"neutral","sentiment_score":0.02480119690299034}],"sentiment":"neutral","sentiment_score":0.031737264804542066,"num_words":20,"start":195.38,"end":235.405},{"sentences":[{"text":"Yeah.","start":240.825,"end":241.065,"sentiment":"neutral","sentiment_score":0.04560982808470726},{"text":"I have, so I can go there.","start":241.065,"end":242.605,"sentiment":"neutral","sentiment_score":0.038853982729571204},{"text":"K.","start":250.28,"end":250.43999,"sentiment":"neutral","sentiment_score":0.014915989711880684},{"text":"Just hang on.","start":250.43999,"end":251.07999,"sentiment":"neutral","sentiment_score":0.009179359301924706},{"text":"I think you're about to drop out.","start":251.07999,"end":252.43999,"sentiment":"neutral","sentiment_score":-0.020059300054396902}],"sentiment":"neutral","sentiment_score":0.011559298654135904,"num_words":19,"start":240.825,"end":252.43999},{"sentences":[{"text":"You dropped out?","start":252.43999,"end":253.42,"sentiment":"neutral","sentiment_score":-0.0327170609186093},{"text":"Okay.","start":255.755,"end":256.075,"sentiment":"neutral","sentiment_score":0.005303776822984219},{"text":"Okay.","start":256.075,"end":256.475,"sentiment":"neutral","sentiment_score":0.013413798063993454},{"text":"So I'm in I'm in there now.","start":256.475,"end":258.315,"sentiment":"neutral","sentiment_score":0.018602650479546616},{"text":"Where do you want me to look at?","start":258.315,"end":259.855,"sentiment":"neutral","sentiment_score":0.015003138221800327}],"sentiment":"neutral","sentiment_score":0.008540502563118935,"num_words":20,"start":252.43999,"end":259.855},{"sentences":[{"text":"Super.","start":259.915,"end":260.415,"sentiment":"neutral","sentiment_score":0.15826845169067383},{"text":"There's fun, detailed information, Manny.","start":268.155,"end":270.815,"sentiment":"positive","sentiment_score":0.45771546810865404},{"text":"Sorry?","start":272.84,"end":273.24,"sentiment":"neutral","sentiment_score":-0.003788390196859837},{"text":"Which one?","start":273.24,"end":273.98,"sentiment":"neutral","sentiment_score":0.012130044400691986},{"text":"Yeah.","start":274.91998,"end":275.41998,"sentiment":"neutral","sentiment_score":0.024187207221984863}],"sentiment":"neutral","sentiment_score":0.2491504698060453,"num_words":10,"start":259.915,"end":275.41998},{"sentences":[{"text":"Concessional?","start":277.24,"end":277.74,"sentiment":"neutral","sentiment_score":0.03676506131887436},{"text":"Concessional card forward.","start":278.68,"end":281.66,"sentiment":"neutral","sentiment_score":0.03424093189338843},{"text":"Okay.","start":282.19998,"end":282.68,"sentiment":"neutral","sentiment_score":0.030055217444896695},{"text":"So if I bring that up now, current is of the June 27, unused contribution available to carry forward, not eligible.","start":282.68,"end":292.585,"sentiment":"neutral","sentiment_score":-0.042402045180400215},{"text":"It says twenty three thousand and seventy two and twenty three thousand and seventy two cents.","start":295.04498,"end":302.63,"sentiment":"neutral","sentiment_score":0.005300687451381236}],"sentiment":"neutral","sentiment_score":-0.015144973217199246,"num_words":42,"start":277.24,"end":302.63},{"sentences":[{"text":"Yeah.","start":306.93002,"end":307.43002,"sentiment":"neutral","sentiment_score":0.007565037813037634},{"text":"Oh, show detail.","start":310.37,"end":311.51,"sentiment":"neutral","sentiment_score":-0.08959599832693736},{"text":"Yeah.","start":312.85,"end":313.25,"sentiment":"neutral","sentiment_score":-0.051941126585006714},{"text":"Not not yeah.","start":313.25,"end":314.295,"sentiment":"neutral","sentiment_score":-0.06976031760374705},{"text":"So I clicked on that, and it shows me all the concessional contributions.","start":314.295,"end":319.515,"sentiment":"neutral","sentiment_score":0.038379402401355595}],"sentiment":"neutral","sentiment_score":-0.0011196573974475974,"num_words":21,"start":306.93002,"end":319.515},{"sentences":[{"text":"Cap, it shows me concessional contribution cap and concessional contributions.","start":322.05502,"end":327.67502,"sentiment":"neutral","sentiment_score":0.012245455943048},{"text":"And in there, it's got unused.","start":328.94998,"end":331.93,"sentiment":"neutral","sentiment_score":-0.04520058073103428},{"text":"So unused concessional contribution cap for last year was $5,255.87.","start":332.63,"end":342.97,"sentiment":"neutral","sentiment_score":-0.07059800326824188},{"text":"Does that not carry forward?","start":343.35498,"end":344.975,"sentiment":"neutral","sentiment_score":-0.0656653419137001},{"text":"Now if I look at the top, there's there's also it says here for 2526 financial year, it says total carry forward concessional contribution cap is 137,500 exactly.","start":348.155,"end":362.12997,"sentiment":"neutral","sentiment_score":0.008139068061219794}],"sentiment":"neutral","sentiment_score":-0.01618918239817781,"num_words":59,"start":322.05502,"end":362.12997},{"sentences":[{"text":"And then it says concessional contribution of $1.02 $7.03 $2.04 and 17¢.","start":390.94,"end":398.0,"sentiment":"neutral","sentiment_score":-0.024034012532369656},{"text":"I assume the balance I think unused concessional cap available for carry forward is just 23,072.","start":398.54,"end":407.045,"sentiment":"neutral","sentiment_score":-0.07931278995238245},{"text":"I don't know what the hell that means.","start":407.505,"end":409.20502,"sentiment":"neutral","sentiment_score":-0.17277132999151945},{"text":"Okay.","start":413.37,"end":413.87,"sentiment":"neutral","sentiment_score":-0.06021313741803169},{"text":"The in the but not in my case.","start":414.97,"end":416.73,"sentiment":"neutral","sentiment_score":-0.08514392469078302}],"sentiment":"neutral","sentiment_score":-0.08311168072660538,"num_words":45,"start":390.94,"end":416.73},{"sentences":[{"text":"Right?","start":416.73,"end":417.23,"sentiment":"neutral","sentiment_score":-0.03784678131341934},{"text":"Right.","start":427.93,"end":428.265,"sentiment":"neutral","sentiment_score":-0.014411114156246184},{"text":"Okay.","start":454.87003,"end":455.37003,"sentiment":"neutral","sentiment_score":0.06484571099281311},{"text":"Alright.","start":455.51,"end":455.91,"sentiment":"neutral","sentiment_score":0.05136866867542267},{"text":"I do you just keep fading in and out, mate.","start":455.91,"end":458.175,"sentiment":"negative","sentiment_score":-0.44394307136535643}],"sentiment":"neutral","sentiment_score":-0.31253387353249956,"num_words":14,"start":416.73,"end":458.175},{"sentences":[{"text":"Let me let me move.","start":458.175,"end":459.375,"sentiment":"neutral","sentiment_score":-0.036139924079179764},{"text":"I'll have to talk to you.","start":459.375,"end":460.835,"sentiment":"neutral","sentiment_score":-0.061111109952131905},{"text":"I'm not in my screen.","start":461.775,"end":462.895,"sentiment":"neutral","sentiment_score":-0.1941105157136917},{"text":"I've gone to the door so I can hear you.","start":462.895,"end":465.155,"sentiment":"neutral","sentiment_score":-0.12676200680434704},{"text":"Alright.","start":467.615,"end":468.115,"sentiment":"neutral","sentiment_score":0.11399756371974944}],"sentiment":"neutral","sentiment_score":-0.09894597640743961,"num_words":27,"start":458.175,"end":468.115},{"sentences":[{"text":"May maybe easier.","start":468.575,"end":469.695,"sentiment":"neutral","sentiment_score":0.15512878696123758},{"text":"Do do you have Zoom?","start":469.695,"end":471.11,"sentiment":"neutral","sentiment_score":0.04041101485490799},{"text":"No.","start":472.44998,"end":472.94998,"sentiment":"neutral","sentiment_score":-0.029560498893260956},{"text":"Yeah.","start":478.37,"end":478.77,"sentiment":"neutral","sentiment_score":0.04715130105614662},{"text":"Okay.","start":478.77,"end":479.27,"sentiment":"neutral","sentiment_score":0.0554640032351017}],"sentiment":"neutral","sentiment_score":0.06731784005056728,"num_words":11,"start":468.575,"end":479.27},{"sentences":[{"text":"Alright.","start":479.33,"end":479.83,"sentiment":"neutral","sentiment_score":0.08745946735143661},{"text":"Let yeah.","start":479.96997,"end":482.28998,"sentiment":"neutral","sentiment_score":0.06998376175761223},{"text":"Because I'm I literally have to walk to the balcony and talk to you, but I'm not using my computer.","start":482.28998,"end":487.395,"sentiment":"neutral","sentiment_score":-0.007883234973996879},{"text":"Right.","start":496.48,"end":496.72,"sentiment":"neutral","sentiment_score":0.06847698986530304},{"text":"That that's where I need to that's where I need your audio to be good because the phone is terrible.","start":496.72,"end":502.02002,"sentiment":"neutral","sentiment_score":-0.12317413482815028}],"sentiment":"neutral","sentiment_score":-0.0528464412570677,"num_words":44,"start":479.33,"end":502.02002},{"sentences":[{"text":"Yep.","start":506.88,"end":507.38,"sentiment":"neutral","sentiment_score":0.08872302621603012},{"text":"Yeah.","start":508.72,"end":509.04,"sentiment":"neutral","sentiment_score":0.08775939792394638},{"text":"Send the invite to my BigPond email.","start":509.04,"end":511.7,"sentiment":"neutral","sentiment_score":0.11309124742235456},{"text":"So wiven.detail@bigpond.com.","start":513.995,"end":516.895,"sentiment":"neutral","sentiment_score":0.05596357397735119},{"text":"Yeah.","start":519.355,"end":519.855,"sentiment":"neutral","sentiment_score":0.04861421138048172}],"sentiment":"neutral","sentiment_score":0.09405520961930354,"num_words":12,"start":506.88,"end":519.855},{"sentences":[{"text":"If if it doesn't if it doesn't, try my Outlook one, which is the Microsoft, which is wiven.cito@outlook.com.au.","start":522.555,"end":531.93,"sentiment":"neutral","sentiment_score":-0.025485258342491254},{"text":"Because it's Microsoft and Teams, it might work better that way.","start":534.95,"end":538.55,"sentiment":"neutral","sentiment_score":0.04723208058964123},{"text":"But just try the BigPond first.","start":538.55,"end":544.085,"sentiment":"neutral","sentiment_score":0.0477816890925169},{"text":"Yeah.","start":547.265,"end":547.765,"sentiment":"neutral","sentiment_score":0.04538791999220848},{"text":"Okay.","start":549.905,"end":550.225,"sentiment":"neutral","sentiment_score":0.07368658483028412}],"sentiment":"neutral","sentiment_score":0.01261034799185959,"num_words":37,"start":522.555,"end":550.225},{"sentences":[{"text":"Let me let me switch on that.","start":550.225,"end":552.75,"sentiment":"neutral","sentiment_score":0.07648103471313204},{"text":"Right.","start":556.73,"end":557.23,"sentiment":"neutral","sentiment_score":0.08042661845684052},{"text":"Yeah.","start":577.805,"end":578.305,"sentiment":"neutral","sentiment_score":0.04435138404369354},{"text":"Next connect comes through.","start":579.96497,"end":582.85004,"sentiment":"neutral","sentiment_score":0.028659591218456626},{"text":"Not yet.","start":582.85004,"end":583.75,"sentiment":"neutral","sentiment_score":-0.016675173304975033}],"sentiment":"neutral","sentiment_score":0.04942888425042232,"num_words":15,"start":550.225,"end":583.75},{"sentences":[{"text":"Oh, okay.","start":587.33,"end":587.97003,"sentiment":"neutral","sentiment_score":0.059164803475141525},{"text":"It's going to jump.","start":587.97003,"end":589.01,"sentiment":"neutral","sentiment_score":0.10308178886771202},{"text":"It's alright.","start":589.01,"end":589.41003,"sentiment":"neutral","sentiment_score":0.13208042830228806},{"text":"I've got it.","start":589.41003,"end":590.05,"sentiment":"neutral","sentiment_score":0.1846230924129486},{"text":"It's come through.","start":590.05,"end":591.03,"sentiment":"neutral","sentiment_score":0.2203184167544047}],"sentiment":"neutral","sentiment_score":0.14354586760912622,"num_words":14,"start":587.33,"end":591.03},{"sentences":[{"text":"If I do let me let me accept it first.","start":592.85004,"end":595.49,"sentiment":"neutral","sentiment_score":0.09359819665551186},{"text":"Let me accept it so that you","start":595.49,"end":608.2229,"sentiment":"neutral","sentiment_score":0.0805460097534316}],"sentiment":"neutral","sentiment_score":0.08822376675465528,"num_words":17,"start":592.85004,"end":608.2229}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hey, Tommy. Sorry, mate. I'm in a really bad spot for reception.\n\nChannel 0: That's okay. That's okay. The last I heard was the 2,019, which matches that 25 total ish that I can see on the statement.\n\nChannel 1: Okay. So just thinking, remembering to we we've gone now to 12%. Right?\n\nChannel 0: Yeah. Correct. That's been\n\nChannel 1: So\n\nChannel 0: pretty much all this financial year of the '12.\n\nChannel 1: yeah. So the it's in the numbers I gave you, are they are they aligning to what you see?\n\nChannel 0: Yeah. Pretty much exact. From what I can see inside the statement, it's 25,033\n\nChannel 1: Okay. Alright.\n\nChannel 0: when we downloaded it.\n\nChannel 1: Okay.\n\nChannel 0: And then with your your gross income from that side year to date, is it above 200? Because it would incorporate that bonus.\n\nChannel 1: Yeah. Yeah. Yeah. The 33,000 bonus in there. So\n\nChannel 0: Yeah.\n\nChannel 1: the\n\nChannel 0: And what does that come out to be?\n\nChannel 1: so the year to date gross was $2.05 $7.08 $9.00 and 20¢.\n\nChannel 0: Okay. Perfect. Alright. So the interesting thing here, just quickly, is because they're not paying the super on the total amount, you're not worried about the caps at this point. It'll be under the 30,000 because 25 is going in.\n\nChannel 1: Right. Okay.\n\nChannel 0: But because your total income's just about $2.60, they're\n\nChannel 1: Yeah.\n\nChannel 0: gonna be doing this division two nine three thing where they go your income plus contributions is above $2.02 50. So you'll get that extra 15% tax taken out. When you do your tax return, they'll send you the bill\n\nChannel 1: Oh,\n\nChannel 0: for the super tax. K? Not the worst thing in the world because it still means you still get on that portion above. It's 30% instead of 15, but\n\nChannel 1: Shit.\n\nChannel 0: compared to what you're paying for the income, still gonna be better off.\n\nChannel 1: Okay.\n\nChannel 0: It's just that that bonus kind of tips\n\nChannel 1: Is\n\nChannel 0: you\n\nChannel 1: it\n\nChannel 0: up\n\nChannel 1: gonna\n\nChannel 0: into division\n\nChannel 1: come\n\nChannel 0: two nine three.\n\nChannel 1: is it you there?\n\nChannel 0: Yeah. I'm still here.\n\nChannel 1: Oh, sorry. I thought the call just dropped. Okay. So that that's gonna I'm gonna get another bill come to me.\n\nChannel 0: They'll send you a letter saying you can either pay it personally or, like, to have it come out of the super anyway\n\nChannel 1: What's\n\nChannel 0: just\n\nChannel 1: the\n\nChannel 0: from\n\nChannel 1: best way to do it?\n\nChannel 0: usually, just from the super is fine.\n\nChannel 1: Yeah.\n\nChannel 0: It's\n\nChannel 1: Okay.\n\nChannel 0: the same heat\n\nChannel 1: Okay.\n\nChannel 0: neither here nor there.\n\nChannel 1: Yep. Alright.\n\nChannel 0: So one thing I wanna do is to kind of tie all this in together a little bit.\n\nChannel 1: Yeah.\n\nChannel 0: I want to check your myGov account because\n\nChannel 1: Yeah.\n\nChannel 0: they would have a section there for unused cap that I\n\nChannel 1: Okay.\n\nChannel 0: need to\n\nChannel 1: Just\n\nChannel 0: use for this strategy.\n\nChannel 1: alright. Just give me a sec. I'll log in. Hang on.\n\nChannel 0: That'd be great. I'll kind of coach you through where to find it.\n\nChannel 1: I've I've let let's let me try and get there first because I think I only went in about a couple of weeks ago. My line in. Alright. I'm in there. Where do you\n\nChannel 0: Yep.\n\nChannel 1: need me to go to? I'm\n\nChannel 0: So\n\nChannel 1: on\n\nChannel 0: you need\n\nChannel 1: the\n\nChannel 0: to\n\nChannel 1: home\n\nChannel 0: go to\n\nChannel 1: page.\n\nChannel 0: the Australian tax office, the ATO section, if you've got that linked.\n\nChannel 1: Yeah. I have, so I can go there.\n\nChannel 0: Yep. And then once you're there, there'll be a little three line menu button at the top left.\n\nChannel 1: K. Just hang on. I think you're about to drop out. You dropped out?\n\nChannel 0: No. Still here.\n\nChannel 1: Okay. Okay. So I'm in I'm in there now. Where do you want me to look at? Super.\n\nChannel 0: So Yep. So go super and then go to they've just moved it.\n\nChannel 1: There's\n\nChannel 0: Super\n\nChannel 1: fun, detailed information,\n\nChannel 0: information.\n\nChannel 1: Manny.\n\nChannel 0: Yep.\n\nChannel 1: Sorry?\n\nChannel 0: So go\n\nChannel 1: Which\n\nChannel 0: information,\n\nChannel 1: one? Yeah.\n\nChannel 0: and then you wanna\n\nChannel 1: Concessional?\n\nChannel 0: click\n\nChannel 1: Concessional\n\nChannel 0: another one just\n\nChannel 1: card\n\nChannel 0: below it, carry forward concessional.\n\nChannel 1: forward. Okay. So if I bring that up now, current is of the June 27, unused contribution available to carry forward, not eligible.\n\nChannel 0: K.\n\nChannel 1: It says twenty three thousand and seventy two and twenty three thousand and seventy two cents.\n\nChannel 0: Alright. 23072¢.\n\nChannel 1: Yeah.\n\nChannel 0: And then it says not\n\nChannel 1: Oh,\n\nChannel 0: eligible,\n\nChannel 1: show\n\nChannel 0: so it's\n\nChannel 1: detail.\n\nChannel 0: got a little red bubble.\n\nChannel 1: Yeah. Not not yeah. So I clicked on that, and it shows me all the concessional contributions. Cap, it shows me concessional contribution cap and concessional\n\nChannel 0: Yeah.\n\nChannel 1: contributions. And in there, it's got unused. So unused concessional contribution cap for last year was $5,255.87. Does\n\nChannel 0: Okay.\n\nChannel 1: that not carry forward?\n\nChannel 0: It should do.\n\nChannel 1: Now if I look at the top, there's there's also it says here for 2526 financial year, it says total carry forward concessional contribution cap is 137,500 exactly.\n\nChannel 0: Gotcha. So what they've done is they've added a cutoff for the financial year for your super balance when it's above 500,000. That's why it's not eligible. Because you're above 500, they've cut it off. As they always do, you get a little bit up to the medium bracket, and then all of a sudden, they chop the ladder out, but not the worst thing in the world.\n\nChannel 1: And then it says concessional contribution of $1.02 $7.03 $2.04 and 17¢. I assume the balance I think unused concessional cap available for carry forward is just 23,072. I don't\n\nChannel 0: Yeah.\n\nChannel 1: know what the hell that means.\n\nChannel 0: So if the balance falls below 500,000,\n\nChannel 1: Okay.\n\nChannel 0: then you can trigger that.\n\nChannel 1: The in the but not in my case. Right?\n\nChannel 0: Yeah. Which is part of what I'm thinking is if we're not gonna do like a so the concessional lump sums to reduce the tax, that's kind of out the window except for the\n\nChannel 1: Right.\n\nChannel 0: 32 and a half cap for next year. That's the only little bit of wiggle room you've got. But the non concessional cap where you can get a nice bulk in there of I think it's a 120, 130 now, That's still available as well. But that's not a tax deduction. It's just, let's say you sell a property and you do post tax dollars, you can get a lump sum in there as well.\n\nChannel 1: Okay. Alright. I do you just keep fading in and out, mate. Let me let me move. I'll have to talk to you.\n\nI'm not in my screen. I've gone to the door so I can hear you.\n\nChannel 0: That's okay.\n\nChannel 1: Alright. May maybe easier. Do do you have Zoom? No.\n\nChannel 0: I I have a Teams Teams online might work.\n\nChannel 1: Yeah. Okay. Alright. Let yeah. Because I'm I literally have to walk to the balcony and talk to you, but I'm not using my computer.\n\nChannel 0: That's okay. Why don't I put it in for a quick Teams? I'll just keep it as a audio just so the Internet doesn't cause any issues there, and\n\nChannel 1: Right. That\n\nChannel 0: I'll\n\nChannel 1: that's\n\nChannel 0: send\n\nChannel 1: where\n\nChannel 0: you an\n\nChannel 1: I\n\nChannel 0: invite.\n\nChannel 1: need to that's where I need your audio to be good because the phone is terrible.\n\nChannel 0: Yeah. No. That's cool. Why don't I send you through an invite in the next few minutes,\n\nChannel 1: Yep.\n\nChannel 0: and we can switch across?\n\nChannel 1: Yeah. Send the invite to my BigPond email.\n\nChannel 0: Yeah. Let me have a look.\n\nChannel 1: So\n\nChannel 0: I've got\n\nChannel 1: wiven.detail@bigpond.com.\n\nChannel 0: the yep. That's the one I've got. I'm just gonna keep\n\nChannel 1: Yeah.\n\nChannel 0: it here while it comes through just to see if it comes through okay.\n\nChannel 1: If if it doesn't if it doesn't, try my Outlook one, which is the Microsoft, which is wiven.cito@outlook.com.au.\n\nChannel 0: K.\n\nChannel 1: Because it's Microsoft and Teams, it might work better that way. But just try the BigPond\n\nChannel 0: Alright. So I'm gonna pop that through\n\nChannel 1: first.\n\nChannel 0: to BigPond now. That should come\n\nChannel 1: Yeah.\n\nChannel 0: through in the next minute or so.\n\nChannel 1: Okay. Let me let me switch on that. Right.\n\nChannel 0: And then just see if that invite comes through because I won't switch across until you've got\n\nChannel 1: Yeah. Next connect comes\n\nChannel 0: it.\n\nChannel 1: through. Not yet. Oh, okay. It's going to jump. It's alright.\n\nI've got it. It's come through.\n\nChannel 0: Perfect. So see\n\nChannel 1: If\n\nChannel 0: if you can\n\nChannel 1: I do\n\nChannel 0: join\n\nChannel 1: let\n\nChannel 0: there,\n\nChannel 1: me\n\nChannel 0: and\n\nChannel 1: let\n\nChannel 0: then\n\nChannel 1: me\n\nChannel 0: I'll\n\nChannel 1: accept it first. Let me\n\nChannel 0: yep.\n\nChannel 1: accept it so that you","paragraphs":[{"sentences":[{"text":"Hey, Tommy.","start":0.48,"end":1.1999999,"sentiment":"neutral","sentiment_score":-0.06962741538882256},{"text":"Sorry, mate.","start":1.1999999,"end":1.76,"sentiment":"negative","sentiment_score":-0.35655350983142853},{"text":"I'm in a really bad spot for reception.","start":1.76,"end":4.34,"sentiment":"negative","sentiment_score":-0.7127887979149818}],"sentiment":"negative","sentiment_score":-0.5462226861466964,"channel":1,"num_words":12,"start":0.48,"end":4.34},{"sentences":[{"text":"That's okay.","start":5.12,"end":5.8399997,"sentiment":"neutral","sentiment_score":-0.14127753302454948},{"text":"That's okay.","start":5.8399997,"end":6.48,"sentiment":"neutral","sentiment_score":0.10404022783041},{"text":"The last I heard was the 2,019, which matches that 25 total ish that I can see on the statement.","start":6.48,"end":13.54,"sentiment":"neutral","sentiment_score":-0.00006544711068272591}],"sentiment":"neutral","sentiment_score":-0.0031576480250805616,"channel":0,"num_words":24,"start":5.12,"end":13.54},{"sentences":[{"text":"Okay.","start":15.36,"end":15.855,"sentiment":"neutral","sentiment_score":0.04357388988137245},{"text":"So just thinking, remembering to we we've gone now to 12%.","start":16.654999,"end":20.175,"sentiment":"neutral","sentiment_score":0.03703307258811864},{"text":"Right?","start":20.175,"end":20.675,"sentiment":"neutral","sentiment_score":0.047220200300216675}],"sentiment":"neutral","sentiment_score":0.03831983758853032,"channel":1,"num_words":13,"start":15.36,"end":20.675},{"sentences":[{"text":"Yeah.","start":21.565,"end":21.885,"sentiment":"neutral","sentiment_score":0.06191264092922211},{"text":"Correct.","start":21.885,"end":22.385,"sentiment":"neutral","sentiment_score":0.08961588889360428},{"text":"That's been","start":23.085,"end":23.904999,"sentiment":"neutral","sentiment_score":0.0617626067250967}],"sentiment":"neutral","sentiment_score":0.06876343581825495,"channel":0,"num_words":4,"start":21.565,"end":23.904999},{"sentences":[{"text":"So","start":23.535,"end":23.695,"sentiment":"neutral","sentiment_score":0.06426140666007996}],"sentiment":"neutral","sentiment_score":0.06426140666007996,"channel":1,"num_words":1,"start":23.535,"end":23.695},{"sentences":[{"text":"pretty much all this financial year of the '12.","start":24.125,"end":26.385,"sentiment":"neutral","sentiment_score":0.06399841068519486}],"sentiment":"neutral","sentiment_score":0.06399841068519486,"channel":0,"num_words":9,"start":24.125,"end":26.385},{"sentences":[{"text":"yeah.","start":25.935,"end":26.435,"sentiment":"neutral","sentiment_score":0.05785997211933136},{"text":"So the it's in the numbers I gave you, are they are they aligning to what you see?","start":26.974998,"end":31.89,"sentiment":"neutral","sentiment_score":0.05481184936232037}],"sentiment":"neutral","sentiment_score":0.05497227687584726,"channel":1,"num_words":19,"start":25.935,"end":31.89},{"sentences":[{"text":"Yeah.","start":32.440002,"end":32.760002,"sentiment":"neutral","sentiment_score":0.06014647334814072},{"text":"Pretty much exact.","start":32.760002,"end":33.82,"sentiment":"neutral","sentiment_score":0.0830443302790324},{"text":"From what I can see inside the statement, it's 25,033","start":34.2,"end":38.925,"sentiment":"neutral","sentiment_score":0.05483338534832001}],"sentiment":"neutral","sentiment_score":0.06125809411917414,"channel":0,"num_words":14,"start":32.440002,"end":38.925},{"sentences":[{"text":"Okay.","start":38.51,"end":39.01,"sentiment":"neutral","sentiment_score":0.07107304036617279},{"text":"Alright.","start":39.39,"end":39.89,"sentiment":"neutral","sentiment_score":0.09218370169401167}],"sentiment":"neutral","sentiment_score":0.08162837103009224,"channel":1,"num_words":2,"start":38.51,"end":39.89},{"sentences":[{"text":"when we downloaded it.","start":39.485,"end":41.184998,"sentiment":"neutral","sentiment_score":0.07902281917631626}],"sentiment":"neutral","sentiment_score":0.07902281917631626,"channel":0,"num_words":4,"start":39.485,"end":41.184998},{"sentences":[{"text":"Okay.","start":41.79,"end":42.29,"sentiment":"neutral","sentiment_score":0.06801152229309082}],"sentiment":"neutral","sentiment_score":0.06801152229309082,"channel":1,"num_words":1,"start":41.79,"end":42.29},{"sentences":[{"text":"And then with your your gross income from that side year to date, is it above 200?","start":43.885,"end":50.545,"sentiment":"neutral","sentiment_score":0.056307190043084765},{"text":"Because it would incorporate that bonus.","start":51.02,"end":52.8,"sentiment":"neutral","sentiment_score":0.07468719159563382}],"sentiment":"neutral","sentiment_score":0.06110197305679321,"channel":0,"num_words":23,"start":43.885,"end":52.8},{"sentences":[{"text":"Yeah.","start":54.125,"end":54.365,"sentiment":"neutral","sentiment_score":0.07019221037626266},{"text":"Yeah.","start":54.365,"end":54.765,"sentiment":"neutral","sentiment_score":0.07362933456897736},{"text":"Yeah.","start":54.765,"end":55.165,"sentiment":"neutral","sentiment_score":0.080072320997715},{"text":"The 33,000 bonus in 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point.","start":75.355,"end":86.45,"sentiment":"neutral","sentiment_score":0.029289688363119407},{"text":"It'll be under the 30,000 because 25 is going in.","start":86.45,"end":89.75,"sentiment":"neutral","sentiment_score":0.021823033690452576}],"sentiment":"neutral","sentiment_score":0.04752540523186326,"channel":0,"num_words":40,"start":67.595,"end":89.75},{"sentences":[{"text":"Right.","start":90.41,"end":90.73,"sentiment":"neutral","sentiment_score":0.05727110058069229},{"text":"Okay.","start":90.73,"end":91.23,"sentiment":"neutral","sentiment_score":0.05148369073867798}],"sentiment":"neutral","sentiment_score":0.054377395659685135,"channel":1,"num_words":2,"start":90.41,"end":91.23},{"sentences":[{"text":"But because your total income's just about $2.60, 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way to do it?","start":156.325,"end":157.625,"sentiment":"neutral","sentiment_score":0.06928988918662071}],"sentiment":"neutral","sentiment_score":0.06928988918662071,"channel":1,"num_words":5,"start":156.325,"end":157.625},{"sentences":[{"text":"usually, just from the super is 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an","start":497.235,"end":497.555,"sentiment":"neutral","sentiment_score":0.046929070726037025}],"sentiment":"neutral","sentiment_score":0.046929070726037025,"channel":0,"num_words":2,"start":497.235,"end":497.555},{"sentences":[{"text":"I","start":497.52002,"end":497.6,"sentiment":"neutral","sentiment_score":0.03718898445367813}],"sentiment":"neutral","sentiment_score":0.03718898445367813,"channel":1,"num_words":1,"start":497.52002,"end":497.6},{"sentences":[{"text":"invite.","start":497.555,"end":498.055,"sentiment":"neutral","sentiment_score":0.056125231087207794}],"sentiment":"neutral","sentiment_score":0.056125231087207794,"channel":0,"num_words":1,"start":497.555,"end":498.055},{"sentences":[{"text":"need to that's where I need your audio to be good because the phone is 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minutes,","start":503.955,"end":506.615,"sentiment":"neutral","sentiment_score":0.13088365873465171}],"sentiment":"neutral","sentiment_score":0.13564693314187667,"channel":0,"num_words":17,"start":502.835,"end":506.615},{"sentences":[{"text":"Yep.","start":506.88,"end":507.38,"sentiment":"neutral","sentiment_score":0.08872302621603012}],"sentiment":"neutral","sentiment_score":0.08872302621603012,"channel":1,"num_words":1,"start":506.88,"end":507.38},{"sentences":[{"text":"and we can switch across?","start":506.92,"end":508.46002,"sentiment":"neutral","sentiment_score":0.06740846037864685}],"sentiment":"neutral","sentiment_score":0.06740846037864685,"channel":0,"num_words":5,"start":506.92,"end":508.46002},{"sentences":[{"text":"Yeah.","start":508.72,"end":509.04,"sentiment":"neutral","sentiment_score":0.08775939792394638},{"text":"Send the invite to my BigPond 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wiven.cito@outlook.com.au.","start":522.555,"end":531.93,"sentiment":"neutral","sentiment_score":-0.025485258342491254}],"sentiment":"neutral","sentiment_score":-0.025485258342491254,"channel":1,"num_words":18,"start":522.555,"end":531.93},{"sentences":[{"text":"K.","start":532.415,"end":532.915,"sentiment":"neutral","sentiment_score":0.011872343719005585}],"sentiment":"neutral","sentiment_score":0.011872343719005585,"channel":0,"num_words":1,"start":532.415,"end":532.915},{"sentences":[{"text":"Because it's Microsoft and Teams, it might work better that way.","start":534.95,"end":538.55,"sentiment":"neutral","sentiment_score":0.04723208058964123},{"text":"But just try the 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it first.","start":594.45,"end":595.49,"sentiment":"neutral","sentiment_score":0.08842240025599797},{"text":"Let me","start":595.49,"end":595.89,"sentiment":"neutral","sentiment_score":0.05216747149825096}],"sentiment":"neutral","sentiment_score":0.07392042875289917,"channel":1,"num_words":5,"start":594.45,"end":595.89},{"sentences":[{"text":"yep.","start":595.75,"end":596.25,"sentiment":"neutral","sentiment_score":0.0480804517865181}],"sentiment":"neutral","sentiment_score":0.0480804517865181,"channel":0,"num_words":1,"start":595.75,"end":596.25},{"sentences":[{"text":"accept it so that you","start":595.89,"end":608.2229,"sentiment":"neutral","sentiment_score":0.09189742505550384}],"sentiment":"neutral","sentiment_score":0.09189742505550384,"channel":1,"num_words":5,"start":595.89,"end":608.2229}]},"summary":{"result":"success","short":"The agent is helping the customer find the ATO section for their Wo ERC account and guides them through it. They discuss gross income and income, a bonus, and tax return. The agent explains how to access the section, including finding unused contributions and adding a cutoff for the financial year. The agent also explains how to use Zoom and Teams for a meeting and invites the customer to join."},"intents":{"segments":[{"text":"So the it's in the numbers I gave you, are they are they aligning to what you see? Yeah.","start_word":64,"end_word":82,"intents":[{"intent":"Verify information","confidence_score":0.0022907099}]},{"text":"There's Super fun, detailed information, information. Manny.","start_word":602,"end_word":608,"intents":[{"intent":"Provide information","confidence_score":0.0053798314}]},{"text":"But that's not a tax deduction. It's just, let's say you sell a property and you do post tax dollars, you can get a lump sum in there as well. Okay.","start_word":980,"end_word":1010,"intents":[{"intent":"Calculate tax deductions","confidence_score":0.013528112}]},{"text":"Why don't I send you through an invite in the next few minutes, Yep. and we can switch across?","start_word":1153,"end_word":1171,"intents":[{"intent":"Jump through invite","confidence_score":0.045843717},{"intent":"Jump through invite","confidence_score":0.013772174},{"intent":"Jump through invite","confidence_score":0.05303721}]},{"text":"and we can switch across? Yeah.","start_word":1167,"end_word":1172,"intents":[{"intent":"Switch to bigpond","confidence_score":0.003992665},{"intent":"Switch to bigpond","confidence_score":0.11558129},{"intent":"Switch over to bigpond","confidence_score":0.0046402276},{"intent":"Switch to bigpond","confidence_score":0.054493047},{"intent":"Switch to bigpond","confidence_score":0.019789357}]},{"text":"Send the invite to my BigPond email. Yeah.","start_word":1173,"end_word":1180,"intents":[{"intent":"Connect to bigpond","confidence_score":0.09105289}]}]},"sentiments":{"segments":[{"text":"Hey, Tommy.","start_word":0,"end_word":1,"sentiment":"neutral","sentiment_score":-0.06962741911411285},{"text":"Sorry, mate. I'm in a really bad spot for reception.","start_word":2,"end_word":11,"sentiment":"negative","sentiment_score":-0.6018695831298828},{"text":"That's okay. That's okay. The last I heard was the 2,019, which matches that 25 total ish that I can see on the statement. Okay. So just thinking, remembering to we we've gone now to 12%. Right? Yeah. Correct. That's been So pretty much all this financial year of the '12. yeah. So the it's in the numbers I gave you, are they are they aligning to what you see? Yeah. Pretty much exact. From what I can see inside the statement, it's 25,033 Okay. Alright. when we downloaded it. Okay. And then with your your gross income from that side year to date, is it above 200? Because it would incorporate that bonus. Yeah. Yeah. Yeah. The 33,000 bonus in there. So Yeah. the And what does that come out to be? so the year to date gross was $2.05 $7.08 $9.00 and 20<unk>. Okay.","start_word":12,"end_word":159,"sentiment":"neutral","sentiment_score":0.04699423164129257},{"text":"Perfect.","start_word":159,"end_word":160,"sentiment":"positive","sentiment_score":0.4188190698623657},{"text":"Alright. So the interesting thing here, just quickly, is because they're not paying the super on the total amount, you're not worried about the caps at this point. It'll be under the 30,000 because 25 is going in. Right. Okay. But because your total income's just about $2.60, they're Yeah. gonna be doing this division two nine three thing where they go your income plus contributions is above $2.02 50. So you'll get that extra 15% tax taken out. When you do your tax return, they'll send you the bill Oh, for the super tax. K? Not the worst thing in the world because it still means you still get on that portion above. It's 30% instead of 15, but Shit. compared to what you're paying for the income, still gonna be better off. Okay. It's just that that bonus kind of tips you Is up it into gonna division come two nine three. is it you there? Yeah. I'm still here. Oh, sorry. I thought the call just dropped. Okay. So that that's gonna I'm gonna get another bill come to me. They'll send you a letter saying you can either pay it personally or, like, to have it come out of the super anyway What's just the from best way to do it? usually, just from the super is fine. Yeah. It's Okay. the same heat Okay. neither here nor there. Yep. Alright. So one thing I wanna do is to kind of tie all this in together a little bit. Yeah. I want to check your myGov account because Yeah. they would have a section there for unused cap that I Okay. need to Just use for this strategy. alright. Just give me a sec. I'll log in. Hang on.","start_word":160,"end_word":451,"sentiment":"neutral","sentiment_score":0.011694578581476866},{"text":"That'd be great. I'll kind of coach you through where to find it.","start_word":452,"end_word":464,"sentiment":"positive","sentiment_score":0.4291526973247528},{"text":"I've I've let let's let me try and get there first because I think I only went in about a couple of weeks ago. My line in. Alright. I'm in there. Where do you Yep. need me to go to? I'm So on you need the to home go to page. the Australian tax office, the ATO section, if you've got that linked. Yeah. I have, so I can go there. Yep. And then once you're there, there'll be a little three line menu button at the top left. K. Just hang on. I think you're about to drop out. You dropped out? No. Still here. Okay. Okay. So I'm in I'm in there now. Where do you want me to look at? Super. So Yep. So go super and then go to they've just moved it.","start_word":465,"end_word":601,"sentiment":"neutral","sentiment_score":0.041105374693870544},{"text":"There's Super fun, detailed information, information.","start_word":602,"end_word":607,"sentiment":"positive","sentiment_score":0.5333003997802734},{"text":"Manny. Yep. Sorry? So go Which information, one? Yeah. and then you wanna Concessional? click Concessional another one just card below it, carry forward concessional. forward. Okay. So if I bring that up now, current is of the June 27, unused contribution available to carry forward, not eligible. K. It says twenty three thousand and seventy two and twenty three thousand and seventy two cents. Alright. 23072<unk>. Yeah. And then it says not eligible, Oh, show so it's detail. got a little red bubble. Yeah. Not not yeah. So I clicked on that, and it shows me all the concessional contributions. Cap, it shows me concessional contribution cap and concessional Yeah. contributions. And in there, it's got unused. So unused concessional contribution cap for last year was $5,255.87. Does Okay. that not carry forward? It should do. Now if I look at the top, there's there's also it says here for 2526 financial year, it says total carry forward concessional contribution cap is 137,500 exactly. Gotcha. So what they've done is they've added a cutoff for the financial year for your super balance when it's above 500,000. That's why it's not eligible. Because you're above 500, they've cut it off. As they always do, you get a little bit up to the medium bracket, and then all of a sudden, they chop the ladder out, but not the worst thing in the world. And then it says concessional contribution of $1.02 $7.03 $2.04 and 17<unk>. I assume the balance I think unused concessional cap available for carry forward is just 23,072. I don't Yeah. know what the hell that means. So if the balance falls below 500,000, Okay. then you can trigger that. The in the but not in my case. Right? Yeah. Which is part of what I'm thinking is if we're not gonna do like a so the concessional lump sums to reduce the tax, that's kind of out the window except for the Right. 32 and a half cap for next year. That's the only little bit of wiggle room you've got. But the non concessional cap where you can get a nice bulk in there of I think it's a 120, 130 now, That's still available as well. But that's not a tax deduction. It's just, let's say you sell a property and you do post tax dollars, you can get a lump sum in there as well. Okay. Alright.","start_word":608,"end_word":1013,"sentiment":"neutral","sentiment_score":-0.04239911874847973},{"text":"I do you just keep fading in and out, mate.","start_word":1012,"end_word":1021,"sentiment":"negative","sentiment_score":-0.4231031835079193},{"text":"Let me let me move. I'll have to talk to you. I'm not in my screen. I've gone to the door so I can hear you. That's okay. Alright. May maybe easier. Do do you have Zoom? No. I I have a Teams Teams online might work. Yeah. Okay. Alright. Let yeah. Because I'm I literally have to walk to the balcony and talk to you, but I'm not using my computer. That's okay. Why don't I put it in for a quick Teams? I'll just keep it as a audio just so the Internet doesn't cause any issues there, and Right. That I'll that's send where you an I invite. need to that's where I need your audio to be good because the phone is terrible. Yeah. No. That's cool. Why don't I send you through an invite in the next few minutes, Yep. and we can switch across? Yeah. Send the invite to my BigPond email. Yeah. Let me have a look. So I've got wiven.detail@bigpond.com. the yep. That's the one I've got. I'm just gonna keep Yeah. it here while it comes through just to see if it comes through okay. If if it doesn't if it doesn't, try my Outlook one, which is the Microsoft, which is wiven.cito@outlook.com.au. K. Because it's Microsoft and Teams, it might work better that way. But just try the BigPond Alright. So I'm gonna pop that through first. to BigPond now. That should come Yeah. through in the next minute or so. Okay. Let me let me switch on that. Right. And then just see if that invite comes through because I won't switch across until you've got Yeah. Next connect comes it. through. Not yet. Oh, okay. It's going to jump. It's alright. I've got it. It's come through.","start_word":1022,"end_word":1320,"sentiment":"neutral","sentiment_score":0.03909996896982193},{"text":"Perfect.","start_word":1321,"end_word":1321,"sentiment":"positive","sentiment_score":0.5383625626564026},{"text":"So see If if you can I do join let there, me and let then me I'll accept it first. Let me yep. accept it so that you","start_word":1322,"end_word":1349,"sentiment":"neutral","sentiment_score":0.08888424187898636}],"average":{"sentiment":"neutral","sentiment_score":0.009552645465885617}}}}