{"metadata":{"transaction_key":"deprecated","request_id":"019fcf0d-897b-74f3-9384-e66da00f821a","sha256":"fa9dcf04137806bf20ef7594b49f2d85b4abf898469b22aa4d164e30e157c52a","created":"2026-08-04T23:13:21.024Z","duration":570.52795,"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":2250,"output_tokens":108},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":2464,"output_tokens":2469},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":2464,"output_tokens":102}},"results":{"channels":[{"alternatives":[{"transcript":"Hi, Catherine. How are you today? I'm very well. Thank you. Thanks for asking. I had you booked in just for a bit of a quick catch up in relation to the contributions going in. Is now still a good time? Fantastic. Before I jump into the call, just to let you know, we do record our calls for quality and training purposes. Is that okay to proceed with that? Fantastic. And just to do a really quick security check there with you as well just because we're discussing your personal information, I'll just get you to confirm your full name, your date of birth, and address I should have on file. Perfect. Thank you so much for that. So I can see your pension payments have started to come down on the first Monday of every month. Is that working so well for you currently? Is that all coming in fantastic? If anything changes, please let me know. But I do go in every month to make sure it is updated for the first Monday of each month for you, and then just double check they do go out correctly for you as well. Okay. Excellent. And just with the contribution set, so I know with the original advice, we were talking about depositing $2,000 on a monthly basis there, and Jackson made mention that the first contribution. Going in is for 5,000, which is honestly okay. Are you sort of you're right. Sorry. Okay. Yep. Yeah. Yes. Yeah. Yep. Yeah. Yeah. Absolutely. So the contributions capped for this financial year is $32,500 as a concessional contribution. You can if you do go over that, we can always just not claim a notice of intent for a certain amount. We keep them nonconcessional, so that means that they don't get transferred and and considered as part of the cap. I'm just also having a look at your carry forward for the last financial year to see what we had available there as well. Let's see. Okay. So last financial year, the cap was 30,000, and you only made a 5,005 thousand $1.93 sitting in there as a concessional contribution. So you do have a bit of cap space there from the last year as well. '93, that leaves you with 24,998 and 7¢. If we add that to the $32,500 for this financial year, it means total usable is 57,498 and 7¢ minus the 10,000 you've currently made is leaving us about 47,000 in there. So if you do go over that cap, that does look to be completely fine. When we look at carry forward contributions, we also just have to consider your super balance there as well. The total super balance, sorry, just double checking, is under that $500,000 limit and was as at June 30 last two years. So it does mean you'll be able to access that. Sorry. You're right. The account pension? Absolutely. Yeah. So total super balance is. Yep. That's correct. Yeah. They look at total super balance, so that is all super balances combined together. Yeah. Fantastic. Mhmm. No. Correct. Yeah. So when you're depending on so you sort of were looking at Centrelink entitlement. So what was that sort of in Yeah. Yeah. Oh, wow. Yeah. Absolutely. Yeah. You know, you look you can never tell. Life always throws us curve balls, and we just have to yeah. Yep. Yeah. Yep. Yep. Absolutely. Yep. So it's well, 5,000 over the last twelve months brings us up to 60,000 to be placed in the super as a contribution. Sorry. I can go back a little bit further as well and look at how many contributions because it does kinda knock us over that between this year and last year. We just need to go back a little bit further to see what your carry forward looks a little bit further back. But you can also just double check it via you're looking at your myGov account as well. Have you no. That's okay. So your myGov account actually does have your carry forward noted as well over the last five financial years. So within hub twenty four, we can see back as long as the Hub twenty four account has been opened. But your myGov account actually breaks it down over the financial years and gives you a total carry forward. Did you want you can. Yeah. Yeah. Definitely. So with this, we've looked at the last two years, and I'm just going back to have a look at how far we can go back here. But in your myGov account, every year, the ATO updates that to reflect the previous five financial years, and it also shows you eligibility, which is kind of cool and handy to have. So let's have a look at okay. So if I go back to the '25 financial year, you did. Yeah. So 50,000 went in that year. The cap then was about 30,000. 20 20. Yeah. And I'm not able to see back past 2024 because that was too long past hub '24. Yeah. Did you want me to yeah. It's it's really easy to find. Did you want me to just forward you an email with the directions on how to find that information in myGov? Does it make it easier? Yeah. Yeah. Beautiful. If you do get ahold of it and you want to send it through, it should be absolutely fine. What I normally sort of ask is if you can just send me a screenshot of the total balances. And then when you go below, it has, like, a little drop down box, and it also then breaks down each financial year. So if you can screenshot the total plus each financial year and shoot those through to me via email, then I can just sort of tally them up and let you know sort of what what the outcome could be if you go over the cap and what years. Because the way it works is you use the $32,500 first for this financial year, and then it goes to the oldest carry for the year available and uses that cut first, and then it uses the next year and the next year after that. So yeah. All good. Do you have any other questions? Is there any other Or that's okay. You're doing very well. I'm glad it's working well for you. So, yeah, I'll send you an email now with that information. And then if you wanna shoot those back to me, absolutely fine. I will also just make sure I go into your super as I do each month and just watch the contributions coming in. And then if we find that might be an issue, I'll make sure I flag it with you straight away. Okay? That's okay. Not a problem at all. I hope you have a good day. How is everything going with you guys in the in the caravan park there? How was beautiful. Beautiful. Yep. Beautiful. Oh, I'm glad you're enjoying it. Fantastic. Yeah. Oh, look. I oh, fantastic. Fantastic. Oh, that's really good. I'm glad you're having fun. It's definitely the kind of a time that I look forward to when get to that point. I wanna be able to travel and do the things that you're doing, so that's fantastic. Yeah. All good. My pleasure. Will do. And let me know if you do have any questions or if anything pops up along the way. Okay? Thanks, Catherine. Talk to you soon. See you later. 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Catherine. How are you today? I'm very well. Thank you. Thanks for asking.\n\nI had you booked in just for a bit of a quick catch up in relation to the contributions going in. Is now still a good time? Fantastic. Before I jump into the call, just to let you know, we do record our calls for quality and training purposes. Is that okay to proceed with that?\n\nFantastic. And just to do a really quick security check there with you as well just because we're discussing your personal information, I'll just get you to confirm your full name, your date of birth, and address I should have on file. Perfect. Thank you so much for that. So I can see your pension payments have started to come down on the first Monday of every month.\n\nIs that working so well for you currently? Is that all coming in fantastic? If anything changes, please let me know. But I do go in every month to make sure it is updated for the first Monday of each month for you, and then just double check they do go out correctly for you as well. Okay.\n\nExcellent. And just with the contribution set, so I know with the original advice, we were talking about depositing $2,000 on a monthly basis there, and Jackson made mention that the first contribution. Going in is for 5,000, which is honestly okay. Are you sort of you're right. Sorry.\n\nOkay. Yep. Yeah. Yes. Yeah.\n\nYep. Yeah. Yeah. Absolutely. So the contributions capped for this financial year is $32,500 as a concessional contribution.\n\nYou can if you do go over that, we can always just not claim a notice of intent for a certain amount. We keep them nonconcessional, so that means that they don't get transferred and and considered as part of the cap. I'm just also having a look at your carry forward for the last financial year to see what we had available there as well. Let's see. Okay.\n\nSo last financial year, the cap was 30,000, and you only made a 5,005 thousand $1.93 sitting in there as a concessional contribution. So you do have a bit of cap space there from the last year as well. '93, that leaves you with 24,998 and 7¢. If we add that to the $32,500 for this financial year, it means total usable is 57,498 and 7¢ minus the 10,000 you've currently made is leaving us about 47,000 in there. So if you do go over that cap, that does look to be completely fine.\n\nWhen we look at carry forward contributions, we also just have to consider your super balance there as well. The total super balance, sorry, just double checking, is under that $500,000 limit and was as at June 30 last two years. So it does mean you'll be able to access that. Sorry. You're right.\n\nThe account pension? Absolutely. Yeah. So total super balance is. Yep.\n\nThat's correct. Yeah. They look at total super balance, so that is all super balances combined together. Yeah. Fantastic.\n\nMhmm. No. Correct. Yeah. So when you're depending on so you sort of were looking at Centrelink entitlement.\n\nSo what was that sort of in Yeah. Yeah. Oh, wow. Yeah. Absolutely.\n\nYeah. You know, you look you can never tell. Life always throws us curve balls, and we just have to yeah. Yep. Yeah.\n\nYep. Yep. Absolutely. Yep. So it's well, 5,000 over the last twelve months brings us up to 60,000 to be placed in the super as a contribution.\n\nSorry. I can go back a little bit further as well and look at how many contributions because it does kinda knock us over that between this year and last year. We just need to go back a little bit further to see what your carry forward looks a little bit further back. But you can also just double check it via you're looking at your myGov account as well. Have you no.\n\nThat's okay. So your myGov account actually does have your carry forward noted as well over the last five financial years. So within hub twenty four, we can see back as long as the Hub twenty four account has been opened. But your myGov account actually breaks it down over the financial years and gives you a total carry forward. Did you want you can.\n\nYeah. Yeah. Definitely. So with this, we've looked at the last two years, and I'm just going back to have a look at how far we can go back here. But in your myGov account, every year, the ATO updates that to reflect the previous five financial years, and it also shows you eligibility, which is kind of cool and handy to have.\n\nSo let's have a look at okay. So if I go back to the '25 financial year, you did. Yeah. So 50,000 went in that year. The cap then was about 30,000.\n\n20 20. Yeah. And I'm not able to see back past 2024 because that was too long past hub '24. Yeah. Did you want me to yeah.\n\nIt's it's really easy to find. Did you want me to just forward you an email with the directions on how to find that information in myGov? Does it make it easier? Yeah. Yeah.\n\nBeautiful. If you do get ahold of it and you want to send it through, it should be absolutely fine. What I normally sort of ask is if you can just send me a screenshot of the total balances. And then when you go below, it has, like, a little drop down box, and it also then breaks down each financial year. So if you can screenshot the total plus each financial year and shoot those through to me via email, then I can just sort of tally them up and let you know sort of what what the outcome could be if you go over the cap and what years.\n\nBecause the way it works is you use the $32,500 first for this financial year, and then it goes to the oldest carry for the year available and uses that cut first, and then it uses the next year and the next year after that. So yeah. All good. Do you have any other questions? Is there any other Or that's okay.\n\nYou're doing very well. I'm glad it's working well for you. So, yeah, I'll send you an email now with that information. And then if you wanna shoot those back to me, absolutely fine. I will also just make sure I go into your super as I do each month and just watch the contributions coming in.\n\nAnd then if we find that might be an issue, I'll make sure I flag it with you straight away. Okay? That's okay. Not a problem at all. I hope you have a good day.\n\nHow is everything going with you guys in the in the caravan park there? How was beautiful. Beautiful. Yep. Beautiful.\n\nOh, I'm glad you're enjoying it. Fantastic. Yeah. Oh, look. I oh, fantastic.\n\nFantastic. Oh, that's really good. I'm glad you're having fun. It's definitely the kind of a time that I look forward to when get to that point. I wanna be able to travel and do the things that you're doing, so that's fantastic.\n\nYeah. All good. My pleasure. Will do. And let me know if you do have any questions or if anything pops up along the way.\n\nOkay? Thanks, Catherine. Talk to you soon. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Catherine.","start":2.96,"end":3.84,"sentiment":"neutral","sentiment_score":0.3274027705192566},{"text":"How are you today?","start":3.84,"end":4.98,"sentiment":"positive","sentiment_score":0.35065457224845886},{"text":"I'm very well.","start":7.2,"end":8.16,"sentiment":"positive","sentiment_score":0.645007332166036},{"text":"Thank you.","start":8.16,"end":8.639999,"sentiment":"positive","sentiment_score":0.730146199464798},{"text":"Thanks for asking.","start":8.639999,"end":9.599999,"sentiment":"positive","sentiment_score":0.6826351284980774}],"sentiment":"positive","sentiment_score":0.535760257925306,"num_words":14,"start":2.96,"end":9.599999},{"sentences":[{"text":"I had you booked in just for a bit of a quick catch up in relation to the contributions going in.","start":9.599999,"end":13.679999,"sentiment":"neutral","sentiment_score":0.221051363717942},{"text":"Is now still a good time?","start":13.679999,"end":15.139999,"sentiment":"neutral","sentiment_score":0.19733136892318726},{"text":"Fantastic.","start":18.435,"end":18.935,"sentiment":"positive","sentiment_score":0.6960608959197998},{"text":"Before I jump into the call, just to let you know, we do record our calls for quality and training purposes.","start":19.395,"end":23.734999,"sentiment":"neutral","sentiment_score":0.1661400990117164},{"text":"Is that okay to proceed with that?","start":23.875,"end":25.654999,"sentiment":"neutral","sentiment_score":0.12854767271450587}],"sentiment":"neutral","sentiment_score":0.19483756313898734,"num_words":56,"start":9.599999,"end":25.654999},{"sentences":[{"text":"Fantastic.","start":27.474998,"end":27.974998,"sentiment":"positive","sentiment_score":0.5354036092758179},{"text":"And just to do a really quick security check there with you as well just because we're discussing your personal information, I'll just get you to confirm your full name, your date of birth, and address I should have on file.","start":28.114998,"end":37.22,"sentiment":"neutral","sentiment_score":0.250646124525768},{"text":"Perfect.","start":44.454998,"end":44.774998,"sentiment":"neutral","sentiment_score":0.29138457775115967},{"text":"Thank you so much for that.","start":44.774998,"end":46.475,"sentiment":"positive","sentiment_score":0.6544533868630728},{"text":"So I can see your pension payments have started to come down on the first Monday of every month.","start":46.774998,"end":51.574997,"sentiment":"positive","sentiment_score":0.400077129665174}],"sentiment":"neutral","sentiment_score":0.33281566290294423,"num_words":68,"start":27.474998,"end":51.574997},{"sentences":[{"text":"Is that working so well for you currently?","start":51.574997,"end":54.614998,"sentiment":"neutral","sentiment_score":0.22926860488951206},{"text":"Is that all coming in fantastic?","start":54.614998,"end":57.354996,"sentiment":"neutral","sentiment_score":0.07590408033380906},{"text":"If anything changes, please let me know.","start":57.574997,"end":59.754997,"sentiment":"neutral","sentiment_score":0.04937298915215901},{"text":"But I do go in every month to make sure it is updated for the first Monday of each month for you, and then just double check they do go out correctly for you as well.","start":59.92,"end":67.92,"sentiment":"neutral","sentiment_score":0.1230161717782418},{"text":"Okay.","start":67.92,"end":68.42,"sentiment":"neutral","sentiment_score":0.12513360381126404}],"sentiment":"neutral","sentiment_score":0.1239465522933109,"num_words":58,"start":51.574997,"end":68.42},{"sentences":[{"text":"Excellent.","start":70.159996,"end":70.659996,"sentiment":"positive","sentiment_score":0.3934398293495178},{"text":"And just with the contribution set, so I know with the original advice, we were talking about depositing $2,000 on a monthly basis there, and Jackson made mention that the first contribution.","start":70.96,"end":81.335,"sentiment":"neutral","sentiment_score":0.18268734216690063},{"text":"Going in is for 5,000, which is honestly okay.","start":82.275,"end":85.335,"sentiment":"neutral","sentiment_score":0.22830410963959163},{"text":"Are you sort of you're right.","start":86.355,"end":88.515,"sentiment":"neutral","sentiment_score":0.047006877760092415},{"text":"Sorry.","start":88.515,"end":89.015,"sentiment":"neutral","sentiment_score":-0.07058824598789215}],"sentiment":"neutral","sentiment_score":0.17358417930651684,"num_words":49,"start":70.159996,"end":89.015},{"sentences":[{"text":"Okay.","start":90.28,"end":90.78,"sentiment":"neutral","sentiment_score":0.009259754791855812},{"text":"Yep.","start":90.92,"end":91.42,"sentiment":"neutral","sentiment_score":0.013341843150556087},{"text":"Yeah.","start":95.72,"end":96.22,"sentiment":"neutral","sentiment_score":0.0032594148069620132},{"text":"Yes.","start":98.520004,"end":99.020004,"sentiment":"neutral","sentiment_score":0.0002542119473218918},{"text":"Yeah.","start":100.200005,"end":100.700005,"sentiment":"neutral","sentiment_score":0.011010111309587955}],"sentiment":"neutral","sentiment_score":0.007425067201256752,"num_words":5,"start":90.28,"end":100.700005},{"sentences":[{"text":"Yep.","start":102.44,"end":102.735,"sentiment":"neutral","sentiment_score":0.004024576395750046},{"text":"Yeah.","start":114.495,"end":114.75,"sentiment":"neutral","sentiment_score":0.02756613679230213},{"text":"Yeah.","start":121.15,"end":121.47,"sentiment":"neutral","sentiment_score":0.31590765714645386},{"text":"Absolutely.","start":121.47,"end":121.97,"sentiment":"positive","sentiment_score":0.4416612982749939},{"text":"So the contributions capped for this financial year is $32,500 as a concessional contribution.","start":122.27,"end":128.05,"sentiment":"neutral","sentiment_score":0.18195098638534546}],"sentiment":"neutral","sentiment_score":0.18535963766690758,"num_words":18,"start":102.44,"end":128.05},{"sentences":[{"text":"You can if you do go over that, we can always just not claim a notice of intent for a certain amount.","start":129.455,"end":135.535,"sentiment":"neutral","sentiment_score":0.06922800652682781},{"text":"We keep them nonconcessional, so that means that they don't get transferred and and considered as part of the cap.","start":135.535,"end":141.795,"sentiment":"neutral","sentiment_score":0.07008886002004147},{"text":"I'm just also having a look at your carry forward for the last financial year to see what we had available there as well.","start":142.34999,"end":147.97,"sentiment":"neutral","sentiment_score":0.047695654832447566},{"text":"Let's see.","start":150.59,"end":151.56999,"sentiment":"neutral","sentiment_score":0.025003484450280666},{"text":"Okay.","start":158.05501,"end":158.455,"sentiment":"neutral","sentiment_score":0.026543065905570984}],"sentiment":"neutral","sentiment_score":0.06008752311269442,"num_words":69,"start":129.455,"end":158.455},{"sentences":[{"text":"So last financial year, the cap was 30,000, and you only made a 5,005 thousand $1.93 sitting in there as a concessional contribution.","start":158.455,"end":169.59001,"sentiment":"neutral","sentiment_score":0.02601222151323505},{"text":"So you do have a bit of cap space there from the last year as well.","start":169.89,"end":173.51001,"sentiment":"neutral","sentiment_score":0.05940302996896207},{"text":"'93, that leaves you with 24,998 and 7¢.","start":174.29001,"end":179.67,"sentiment":"neutral","sentiment_score":0.04569511541298458},{"text":"If we add that to the $32,500 for this financial year, it means total usable is 57,498 and 7¢ minus the 10,000 you've currently made is leaving us about 47,000 in there.","start":179.81,"end":195.465,"sentiment":"neutral","sentiment_score":0.05713559367183235},{"text":"So if you do go over that cap, that does look to be completely fine.","start":195.465,"end":199.74,"sentiment":"neutral","sentiment_score":0.2703898330529531}],"sentiment":"neutral","sentiment_score":0.08364832915021511,"num_words":94,"start":158.455,"end":199.74},{"sentences":[{"text":"When we look at carry forward contributions, we also just have to consider your super balance there as well.","start":199.74,"end":205.74,"sentiment":"neutral","sentiment_score":0.05827159846299573},{"text":"The total super balance, sorry, just double checking, is under that $500,000 limit and was as at June 30 last two years.","start":205.74,"end":215.125,"sentiment":"neutral","sentiment_score":0.03571390250528401},{"text":"So it does mean you'll be able to access that.","start":215.125,"end":217.765,"sentiment":"neutral","sentiment_score":0.08196767289191484},{"text":"Sorry.","start":217.765,"end":218.005,"sentiment":"neutral","sentiment_score":-0.013651994988322258},{"text":"You're right.","start":218.005,"end":218.745,"sentiment":"neutral","sentiment_score":0.04326463118195534}],"sentiment":"neutral","sentiment_score":0.051581855966813035,"num_words":54,"start":199.74,"end":218.745},{"sentences":[{"text":"The account pension?","start":228.645,"end":230.06999,"sentiment":"neutral","sentiment_score":0.04594935600956281},{"text":"Absolutely.","start":230.06999,"end":230.56999,"sentiment":"neutral","sentiment_score":0.06668264418840408},{"text":"Yeah.","start":230.79,"end":231.11,"sentiment":"neutral","sentiment_score":0.07343839108943939},{"text":"So total super balance is.","start":231.11,"end":233.11,"sentiment":"neutral","sentiment_score":0.050329002737998965},{"text":"Yep.","start":233.11,"end":233.61,"sentiment":"neutral","sentiment_score":0.031137458980083466}],"sentiment":"neutral","sentiment_score":0.05097741599787365,"num_words":11,"start":228.645,"end":233.61},{"sentences":[{"text":"That's correct.","start":234.62999,"end":235.34999,"sentiment":"neutral","sentiment_score":0.09473632648587227},{"text":"Yeah.","start":235.34999,"end":235.59,"sentiment":"neutral","sentiment_score":0.08179429173469543},{"text":"They look at total super balance, so that is all super balances combined together.","start":235.59,"end":240.09,"sentiment":"neutral","sentiment_score":0.11191239207983017},{"text":"Yeah.","start":240.39,"end":240.89,"sentiment":"positive","sentiment_score":0.4637664258480072},{"text":"Fantastic.","start":245.515,"end":246.015,"sentiment":"neutral","sentiment_score":0.028391581028699875}],"sentiment":"neutral","sentiment_score":0.12264202319477734,"num_words":19,"start":234.62999,"end":246.015},{"sentences":[{"text":"Mhmm.","start":250.55501,"end":250.875,"sentiment":"neutral","sentiment_score":-0.032832253724336624},{"text":"No.","start":250.875,"end":251.355,"sentiment":"neutral","sentiment_score":-0.10967997461557388},{"text":"Correct.","start":251.355,"end":251.855,"sentiment":"neutral","sentiment_score":-0.0426320917904377},{"text":"Yeah.","start":252.075,"end":252.475,"sentiment":"neutral","sentiment_score":-0.01779913902282715},{"text":"So when you're depending on so you sort of were looking at Centrelink entitlement.","start":252.475,"end":259.53998,"sentiment":"neutral","sentiment_score":-0.02056878911597388}],"sentiment":"neutral","sentiment_score":-0.02727258370982276,"num_words":18,"start":250.55501,"end":259.53998},{"sentences":[{"text":"So what was that sort of in Yeah.","start":259.53998,"end":267.4,"sentiment":"neutral","sentiment_score":-0.11166136246174574},{"text":"Yeah.","start":270.02,"end":270.52,"sentiment":"neutral","sentiment_score":-0.05425123870372772},{"text":"Oh, wow.","start":275.135,"end":276.115,"sentiment":"neutral","sentiment_score":-0.054207997396588326},{"text":"Yeah.","start":276.575,"end":277.075,"sentiment":"neutral","sentiment_score":-0.08348643779754639},{"text":"Absolutely.","start":280.335,"end":280.835,"sentiment":"neutral","sentiment_score":0.1105898916721344}],"sentiment":"neutral","sentiment_score":-0.07914266763971402,"num_words":13,"start":259.53998,"end":280.835},{"sentences":[{"text":"Yeah.","start":280.895,"end":281.215,"sentiment":"neutral","sentiment_score":0.059213437139987946},{"text":"You know, you look you can never tell.","start":281.215,"end":282.815,"sentiment":"neutral","sentiment_score":0.006999204400926828},{"text":"Life always throws us curve balls, and we just have to yeah.","start":282.815,"end":294.75598,"sentiment":"neutral","sentiment_score":0.0006164098158478737},{"text":"Yep.","start":295.56796,"end":296.06796,"sentiment":"neutral","sentiment_score":0.03513828665018082},{"text":"Yeah.","start":296.87997,"end":297.37997,"sentiment":"neutral","sentiment_score":0.0816434919834137}],"sentiment":"neutral","sentiment_score":0.010408076903094416,"num_words":23,"start":280.895,"end":297.37997},{"sentences":[{"text":"Yep.","start":297.52,"end":298.02,"sentiment":"neutral","sentiment_score":0.11114387214183807},{"text":"Yep.","start":302.55502,"end":303.05502,"sentiment":"neutral","sentiment_score":0.2073678970336914},{"text":"Absolutely.","start":303.67502,"end":304.17502,"sentiment":"positive","sentiment_score":0.38540855050086975},{"text":"Yep.","start":307.11502,"end":307.61502,"sentiment":"neutral","sentiment_score":0.28435856103897095},{"text":"So it's well, 5,000 over the last twelve months brings us up to 60,000 to be placed in the super as a contribution.","start":313.83502,"end":321.57,"sentiment":"neutral","sentiment_score":0.28474297730819037}],"sentiment":"neutral","sentiment_score":0.2791617540297685,"num_words":27,"start":297.52,"end":321.57},{"sentences":[{"text":"Sorry.","start":323.15,"end":323.63,"sentiment":"neutral","sentiment_score":0.007314398884773254},{"text":"I can go back a little bit further as well and look at how many contributions because it does kinda knock us over that between this year and last year.","start":323.63,"end":333.54498,"sentiment":"neutral","sentiment_score":-0.04323307151595752},{"text":"We just need to go back a little bit further to see what your carry forward looks a little bit further back.","start":333.845,"end":338.725,"sentiment":"neutral","sentiment_score":-0.03229089640080929},{"text":"But you can also just double check it via you're looking at your myGov account as well.","start":338.725,"end":347.69,"sentiment":"neutral","sentiment_score":0.044297233443049824},{"text":"Have you no.","start":347.69,"end":348.61,"sentiment":"neutral","sentiment_score":-0.015211534375945726}],"sentiment":"neutral","sentiment_score":-0.01770765893161297,"num_words":73,"start":323.15,"end":348.61},{"sentences":[{"text":"That's okay.","start":348.61,"end":349.09,"sentiment":"neutral","sentiment_score":0.11412797123193741},{"text":"So your myGov account actually does have your carry forward noted as well over the last five financial years.","start":349.09,"end":355.25,"sentiment":"neutral","sentiment_score":0.19220948905537003},{"text":"So within hub twenty four, we can see back as long as the Hub twenty four account has been opened.","start":355.25,"end":359.695,"sentiment":"neutral","sentiment_score":0.042570377234369516},{"text":"But your myGov account actually breaks it down over the financial years and gives you a total carry forward.","start":360.315,"end":366.255,"sentiment":"neutral","sentiment_score":0.05028347514177624},{"text":"Did you want you can.","start":367.115,"end":370.635,"sentiment":"neutral","sentiment_score":0.0721973054111004}],"sentiment":"neutral","sentiment_score":0.09304640513773148,"num_words":65,"start":348.61,"end":370.635},{"sentences":[{"text":"Yeah.","start":370.635,"end":370.875,"sentiment":"neutral","sentiment_score":0.1030607521533966},{"text":"Yeah.","start":370.875,"end":371.115,"sentiment":"neutral","sentiment_score":0.15747326612472534},{"text":"Definitely.","start":371.115,"end":371.615,"sentiment":"neutral","sentiment_score":0.2583106458187103},{"text":"So with this, we've looked at the last two years, and I'm just going back to have a look at how far we can go back here.","start":371.675,"end":377.64,"sentiment":"neutral","sentiment_score":0.14772870391607285},{"text":"But in your myGov account, every year, the ATO updates that to reflect the previous five financial years, and it also shows you eligibility, which is kind of cool and handy to have.","start":377.94,"end":387.8,"sentiment":"positive","sentiment_score":0.378856053406542}],"sentiment":"neutral","sentiment_score":0.26999634019439184,"num_words":63,"start":370.635,"end":387.8},{"sentences":[{"text":"So let's have a look at okay.","start":389.48502,"end":393.745,"sentiment":"neutral","sentiment_score":0.1135646743433816},{"text":"So if I go back to the '25 financial year, you did.","start":397.245,"end":404.38,"sentiment":"neutral","sentiment_score":0.035975890854994454},{"text":"Yeah.","start":404.38,"end":404.78,"sentiment":"neutral","sentiment_score":0.03225594013929367},{"text":"So 50,000 went in that year.","start":404.78,"end":407.04,"sentiment":"neutral","sentiment_score":0.03331669420003891},{"text":"The cap then was about 30,000.","start":407.34,"end":409.6,"sentiment":"neutral","sentiment_score":-0.018212188656131428}],"sentiment":"neutral","sentiment_score":0.04217332450207323,"num_words":32,"start":389.48502,"end":409.6},{"sentences":[{"text":"20 20.","start":411.1,"end":412.0,"sentiment":"neutral","sentiment_score":0.023502202704548836},{"text":"Yeah.","start":414.025,"end":414.265,"sentiment":"neutral","sentiment_score":-0.012144549749791622},{"text":"And I'm not able to see back past 2024 because that was too long past hub '24.","start":414.265,"end":419.965,"sentiment":"neutral","sentiment_score":-0.07591293642626089},{"text":"Yeah.","start":420.185,"end":420.685,"sentiment":"neutral","sentiment_score":0.024265551939606667},{"text":"Did you want me to yeah.","start":421.625,"end":424.20502,"sentiment":"neutral","sentiment_score":0.09656565263867378}],"sentiment":"neutral","sentiment_score":-0.024148170215388138,"num_words":27,"start":411.1,"end":424.20502},{"sentences":[{"text":"It's it's really easy to find.","start":424.345,"end":425.945,"sentiment":"positive","sentiment_score":0.3665437276164691},{"text":"Did you want me to just forward you an email with the directions on how to find that information in myGov?","start":425.945,"end":430.87997,"sentiment":"neutral","sentiment_score":0.13518825421730676},{"text":"Does it make it easier?","start":431.02,"end":432.08,"sentiment":"neutral","sentiment_score":0.04028309769928455},{"text":"Yeah.","start":432.13998,"end":432.62,"sentiment":"neutral","sentiment_score":0.1028500646352768},{"text":"Yeah.","start":432.62,"end":433.02,"sentiment":"positive","sentiment_score":0.3364368677139282}],"sentiment":"neutral","sentiment_score":0.16702700367964365,"num_words":34,"start":424.345,"end":433.02},{"sentences":[{"text":"Beautiful.","start":433.02,"end":433.52,"sentiment":"positive","sentiment_score":0.587763249874115},{"text":"If you do get ahold of it and you want to send it through, it should be absolutely fine.","start":433.81998,"end":437.52,"sentiment":"positive","sentiment_score":0.5231489445033827},{"text":"What I normally sort of ask is if you can just send me a screenshot of the total balances.","start":437.58,"end":442.01498,"sentiment":"neutral","sentiment_score":0.13698818730680565},{"text":"And then when you go below, it has, like, a little drop down box, and it also then breaks down each financial year.","start":442.155,"end":448.895,"sentiment":"neutral","sentiment_score":0.0968872360561205},{"text":"So if you can screenshot the total plus each financial year and shoot those through to me via email, then I can just sort of tally them up and let you know sort of what what the outcome could be if you go over the cap and what years.","start":449.35498,"end":460.68002,"sentiment":"neutral","sentiment_score":0.1272156098121017}],"sentiment":"neutral","sentiment_score":0.19452558616532836,"num_words":111,"start":433.02,"end":460.68002},{"sentences":[{"text":"Because the way it works is you use the $32,500 first for this financial year, and then it goes to the oldest carry for the year available and uses that cut first, and then it uses the next year and the next year after that.","start":460.68002,"end":473.335,"sentiment":"neutral","sentiment_score":0.06867979326181942},{"text":"So yeah.","start":473.335,"end":474.955,"sentiment":"neutral","sentiment_score":0.0914599671959877},{"text":"All good.","start":476.775,"end":477.25497,"sentiment":"positive","sentiment_score":0.37612663209438324},{"text":"Do you have any other questions?","start":477.25497,"end":478.615,"sentiment":"neutral","sentiment_score":0.05766079512735208},{"text":"Is there any other Or that's okay.","start":478.615,"end":482.58,"sentiment":"neutral","sentiment_score":0.09978915275340634}],"sentiment":"neutral","sentiment_score":0.08177826992581569,"num_words":62,"start":460.68002,"end":482.58},{"sentences":[{"text":"You're doing very well.","start":484.96,"end":486.0,"sentiment":"positive","sentiment_score":0.7506545335054398},{"text":"I'm glad it's working well for you.","start":486.0,"end":487.75998,"sentiment":"positive","sentiment_score":0.7857149498803275},{"text":"So, yeah, I'll send you an email now with that information.","start":487.75998,"end":490.09998,"sentiment":"positive","sentiment_score":0.33858589963479474},{"text":"And then if you wanna shoot those back to me, absolutely fine.","start":490.4,"end":492.96,"sentiment":"neutral","sentiment_score":0.30364518736799556},{"text":"I will also just make sure I go into your super as I do each month and just watch the contributions coming in.","start":492.96,"end":498.995,"sentiment":"neutral","sentiment_score":0.16347111599600833}],"sentiment":"positive","sentiment_score":0.3443972911489637,"num_words":57,"start":484.96,"end":498.995},{"sentences":[{"text":"And then if we find that might be an issue, I'll make sure I flag it with you straight away.","start":499.615,"end":503.935,"sentiment":"neutral","sentiment_score":0.08028239347040653},{"text":"Okay?","start":503.935,"end":504.435,"sentiment":"neutral","sentiment_score":0.09196706861257552},{"text":"That's 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I'm well. And yourself? Yes. It's a brilliant time. Thank you. Sure is. Catherine Margaret Siva. Twenty two ten nineteen sixty five. 49 Motard Drive, Peach, New York. Yes. It's zero eight. Yep. Mhmm. Yep. Yep. And and it has it has again this month as well. Yeah. I just wanted to be you know, because it's rental properties, it's it's gonna fluctuate. You know? We it is what it is based on how many people are renting at the time. But, yeah, I just wanted to double check on the threshold and whether there's any carried forward amounts from previous years and what have you so that it you know, I'm not I'm on track for the financial year, really. That was the the main request for today. Yeah. Coke. Yeah. And that is yeah. And it's both the accumulation and the no. Accumulation. Whatever it's called. Yeah. So it's those two added together to be under the 500. Is that right? Yep. Yep. Awesome. And at this point, because I'm not 60 seven, it doesn't matter what's in grades, is it? Mhmm. I don't know. I don't think so. I don't think we'll ever spend that much money between now and six to seven, to be honest, but you need to know. You know, the reality is I've just gotta go and get an eye operation, and it's gonna be $10 that you know? So you just don't know what's gonna come up. Exactly. But I sort of thought, well, if I aim to try and get 500 in there by the end of 67, then, you know well, obviously, some of that will come from the side of properties and stuff, but, yeah, that's alright. No. I just wanted to check what that figure is. So if I've got the 5 k a month to put in, I will. So I can at least use up the last two years available, you know. Yep. Oh, I well, I went into hub 24. I thought I'd be able to see it there, but I couldn't find it. Okay. Because it can go back for five years. Is that right? Yeah. Yep. I think I put 50 k in that year. Yes. I carried some forward from the previous. Yeah. Because that's when we yeah. That's right. Okay. I'll look that up on my my account. Sure. Why not? Yep. Yeah. Okay. Oh, no. That's extra today. Thank you. Yeah. No. Yeah. I'm slowly getting on top of all these things. Dana, thank you very much. Good. Now it's yeah. We're we're it's another beautiful day in England. We had a gorgeous day yesterday. Yeah. It's floating along. To be fair, we've had really good weather. I think we've had two great days, and it's been about it. So it's not bad. We've been this is our third week. Yeah. It's quite a nice little lifestyle, I have to say. Found a little Tai Chi class this week, so I've wandered up to that. And yeah. Yeah. Excellent. Thanks, Diana. Well, look forward to your email. Wonderful. Thank you. 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morning, Dana. I'm well. And yourself? Yes. It's a brilliant time.\n\nThank you. Sure is. Catherine Margaret Siva. Twenty two ten nineteen sixty five. 49 Motard Drive, Peach, New York.\n\nYes. It's zero eight. Yep. Mhmm. Yep.\n\nYep. And and it has it has again this month as well. Yeah. I just wanted to be you know, because it's rental properties, it's it's gonna fluctuate. You know?\n\nWe it is what it is based on how many people are renting at the time. But, yeah, I just wanted to double check on the threshold and whether there's any carried forward amounts from previous years and what have you so that it you know, I'm not I'm on track for the financial year, really. That was the the main request for today. Yeah. Coke.\n\nYeah. And that is yeah. And it's both the accumulation and the no. Accumulation. Whatever it's called.\n\nYeah. So it's those two added together to be under the 500. Is that right? Yep. Yep.\n\nAwesome. And at this point, because I'm not 60 seven, it doesn't matter what's in grades, is it? Mhmm. I don't know. I don't think so.\n\nI don't think we'll ever spend that much money between now and six to seven, to be honest, but you need to know. You know, the reality is I've just gotta go and get an eye operation, and it's gonna be $10 that you know? So you just don't know what's gonna come up. Exactly. But I sort of thought, well, if I aim to try and get 500 in there by the end of 67, then, you know well, obviously, some of that will come from the side of properties and stuff, but, yeah, that's alright.\n\nNo. I just wanted to check what that figure is. So if I've got the 5 k a month to put in, I will. So I can at least use up the last two years available, you know. Yep.\n\nOh, I well, I went into hub 24. I thought I'd be able to see it there, but I couldn't find it. Okay. Because it can go back for five years. Is that right?\n\nYeah. Yep. I think I put 50 k in that year. Yes. I carried some forward from the previous.\n\nYeah. Because that's when we yeah. That's right. Okay. I'll look that up on my my account.\n\nSure. Why not? Yep. Yeah. Okay.\n\nOh, no. That's extra today. Thank you. Yeah. No.\n\nYeah. I'm slowly getting on top of all these things. Dana, thank you very much. Good. Now it's yeah.\n\nWe're we're it's another beautiful day in England. We had a gorgeous day yesterday. Yeah. It's floating along. To be fair, we've had really good weather.\n\nI think we've had two great days, and it's been about it. So it's not bad. We've been this is our third week. Yeah. It's quite a nice little lifestyle, I have to say.\n\nFound a little Tai Chi class this week, so I've wandered up to that. And yeah. Yeah. Excellent. Thanks, Diana.\n\nWell, look forward to your email. Wonderful. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Good morning, Dana.","start":1.36,"end":2.5,"sentiment":"positive","sentiment_score":0.41011906663576764},{"text":"I'm well.","start":5.44,"end":6.08,"sentiment":"positive","sentiment_score":0.42823298275470734},{"text":"And yourself?","start":6.08,"end":6.8199997,"sentiment":"neutral","sentiment_score":0.2671322003006935},{"text":"Yes.","start":15.555,"end":15.795,"sentiment":"positive","sentiment_score":0.47524136304855347},{"text":"It's a brilliant time.","start":15.795,"end":17.075,"sentiment":"positive","sentiment_score":0.8098062425851822}],"sentiment":"positive","sentiment_score":0.5279628249506155,"num_words":12,"start":1.36,"end":17.075},{"sentences":[{"text":"Thank you.","start":17.075,"end":17.815,"sentiment":"positive","sentiment_score":0.7861643731594086},{"text":"Sure is.","start":26.275,"end":27.095,"sentiment":"neutral","sentiment_score":0.24067231267690659},{"text":"Catherine Margaret 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right?","start":233.7,"end":234.59999,"sentiment":"neutral","sentiment_score":0.049254811058441796},{"text":"Yep.","start":235.86,"end":236.36,"sentiment":"neutral","sentiment_score":0.08301956951618195},{"text":"Yep.","start":237.62,"end":238.12,"sentiment":"neutral","sentiment_score":0.08436106890439987}],"sentiment":"neutral","sentiment_score":0.0505081288078252,"num_words":17,"start":230.26,"end":238.12},{"sentences":[{"text":"Awesome.","start":241.29999,"end":241.79999,"sentiment":"neutral","sentiment_score":0.30918067693710327},{"text":"And at this point, because I'm not 60 seven, it doesn't matter what's in grades, is it?","start":242.765,"end":249.66501,"sentiment":"neutral","sentiment_score":-0.006977807127815839},{"text":"Mhmm.","start":252.525,"end":253.025,"sentiment":"neutral","sentiment_score":-0.0014546001330018044},{"text":"I don't know.","start":260.35,"end":260.99,"sentiment":"neutral","sentiment_score":-0.15221035480499268},{"text":"I don't think so.","start":260.99,"end":262.03,"sentiment":"neutral","sentiment_score":-0.1798885203897953}],"sentiment":"neutral","sentiment_score":-0.03796468424395873,"num_words":26,"start":241.29999,"end":262.03},{"sentences":[{"text":"I don't think we'll ever spend that much money between now and six to seven, to be honest, but you need to know.","start":262.03,"end":269.445,"sentiment":"neutral","sentiment_score":-0.14500015650106512},{"text":"You know, the reality is I've just gotta go and get an eye operation, and it's gonna be $10 that you know?","start":269.605,"end":275.86502,"sentiment":"neutral","sentiment_score":-0.08786638487469066},{"text":"So you just don't know what's gonna come up.","start":277.285,"end":279.385,"sentiment":"neutral","sentiment_score":-0.15352141112089157},{"text":"Exactly.","start":284.83002,"end":285.31,"sentiment":"neutral","sentiment_score":0.056882359087467194},{"text":"But I sort of thought, well, if I aim to try and get 500 in there by the end of 67, then, you know well, obviously, some of that will come from the side of properties and stuff, but, yeah, that's alright.","start":285.31,"end":299.125,"sentiment":"neutral","sentiment_score":0.08908324342753206}],"sentiment":"neutral","sentiment_score":-0.029395651379504156,"num_words":97,"start":262.03,"end":299.125},{"sentences":[{"text":"No.","start":299.125,"end":299.285,"sentiment":"neutral","sentiment_score":-0.06926698982715607},{"text":"I just wanted to check what that figure is.","start":299.285,"end":301.605,"sentiment":"neutral","sentiment_score":-0.03884021896455023},{"text":"So if I've got the 5 k a month to put in, I will.","start":301.605,"end":306.745,"sentiment":"neutral","sentiment_score":0.29743985193116323},{"text":"So I can at least use up the last two years available, you know.","start":308.085,"end":318.24002,"sentiment":"neutral","sentiment_score":0.23447748805795396},{"text":"Yep.","start":342.43,"end":342.93,"sentiment":"neutral","sentiment_score":0.04712778329849243}],"sentiment":"neutral","sentiment_score":0.18141388673430833,"num_words":39,"start":299.125,"end":342.93},{"sentences":[{"text":"Oh, I well, I went into hub 24.","start":342.99002,"end":345.31,"sentiment":"neutral","sentiment_score":0.002681272802874446},{"text":"I thought I'd be able to see it there, but I couldn't find it.","start":345.31,"end":348.21,"sentiment":"neutral","sentiment_score":-0.017359057952749675},{"text":"Okay.","start":366.705,"end":367.025,"sentiment":"neutral","sentiment_score":0.04650211334228515},{"text":"Because it can go back for five years.","start":367.025,"end":369.025,"sentiment":"neutral","sentiment_score":0.03658555122092366},{"text":"Is that right?","start":369.025,"end":369.69,"sentiment":"neutral","sentiment_score":0.07826046893994014}],"sentiment":"neutral","sentiment_score":0.01036445002982338,"num_words":34,"start":342.99002,"end":369.69},{"sentences":[{"text":"Yeah.","start":371.53,"end":372.03,"sentiment":"neutral","sentiment_score":0.172185480594635},{"text":"Yep.","start":394.835,"end":395.335,"sentiment":"neutral","sentiment_score":0.0888940691947937},{"text":"I think I put 50 k in that year.","start":401.04,"end":403.22,"sentiment":"neutral","sentiment_score":0.02609242147041692},{"text":"Yes.","start":410.80502,"end":411.20502,"sentiment":"neutral","sentiment_score":0.02872123010456562},{"text":"I carried some forward from the previous.","start":411.20502,"end":413.14502,"sentiment":"neutral","sentiment_score":0.009944034474236625}],"sentiment":"neutral","sentiment_score":0.031275832339337,"num_words":19,"start":371.53,"end":413.14502},{"sentences":[{"text":"Yeah.","start":417.20502,"end":417.445,"sentiment":"neutral","sentiment_score":-0.05330038070678711},{"text":"Because that's when we yeah.","start":417.445,"end":420.405,"sentiment":"neutral","sentiment_score":-0.04688091147691011},{"text":"That's right.","start":420.405,"end":421.045,"sentiment":"neutral","sentiment_score":0.06659618020057678},{"text":"Okay.","start":421.045,"end":421.445,"sentiment":"neutral","sentiment_score":0.06955353170633316},{"text":"I'll look that up on my my account.","start":421.445,"end":423.785,"sentiment":"neutral","sentiment_score":0.09643924795091152}],"sentiment":"neutral","sentiment_score":0.04038558456608478,"num_words":17,"start":417.20502,"end":423.785},{"sentences":[{"text":"Sure.","start":430.63998,"end":431.13998,"sentiment":"neutral","sentiment_score":0.06019989401102066},{"text":"Why not?","start":431.44,"end":432.26,"sentiment":"neutral","sentiment_score":-0.023049689829349518},{"text":"Yep.","start":442.775,"end":443.275,"sentiment":"neutral","sentiment_score":0.09167951345443726},{"text":"Yeah.","start":475.175,"end":475.57498,"sentiment":"neutral","sentiment_score":0.09129232913255692},{"text":"Okay.","start":475.57498,"end":476.07498,"sentiment":"neutral","sentiment_score":0.15601098537445068}],"sentiment":"neutral","sentiment_score":0.05884722371896108,"num_words":6,"start":430.63998,"end":476.07498},{"sentences":[{"text":"Oh, no.","start":476.935,"end":479.56,"sentiment":"neutral","sentiment_score":0.04823735170066357},{"text":"That's extra today.","start":479.56,"end":480.76,"sentiment":"neutral","sentiment_score":0.07124574730793636},{"text":"Thank you.","start":480.76,"end":481.5,"sentiment":"positive","sentiment_score":0.5314745008945465},{"text":"Yeah.","start":481.56,"end":481.88,"sentiment":"neutral","sentiment_score":0.12415831536054613},{"text":"No.","start":481.88,"end":482.12003,"sentiment":"neutral","sentiment_score":0.09794031828641891}],"sentiment":"neutral","sentiment_score":0.1772510645290216,"num_words":9,"start":476.935,"end":482.12003},{"sentences":[{"text":"Yeah.","start":482.12003,"end":482.28,"sentiment":"neutral","sentiment_score":0.22549843788146973},{"text":"I'm slowly getting on top of all these things.","start":482.28,"end":484.46002,"sentiment":"positive","sentiment_score":0.4983067446284824},{"text":"Dana, thank you very much.","start":505.45,"end":506.75,"sentiment":"positive","sentiment_score":0.390392804145813},{"text":"Good.","start":512.97003,"end":513.47003,"sentiment":"neutral","sentiment_score":0.12930582463741302},{"text":"Now it's yeah.","start":513.61,"end":514.73,"sentiment":"neutral","sentiment_score":0.11882138748963673}],"sentiment":"positive","sentiment_score":0.376210165651221,"num_words":19,"start":482.12003,"end":514.73},{"sentences":[{"text":"We're we're it's another beautiful day in England.","start":514.73,"end":517.61,"sentiment":"positive","sentiment_score":0.37092020735144615},{"text":"We had a gorgeous day yesterday.","start":517.61,"end":519.15,"sentiment":"positive","sentiment_score":0.48087745904922485},{"text":"Yeah.","start":520.335,"end":520.575,"sentiment":"positive","sentiment_score":0.3353714942932129},{"text":"It's floating along.","start":520.575,"end":522.275,"sentiment":"positive","sentiment_score":0.41788551211357117},{"text":"To be fair, we've had really good weather.","start":522.495,"end":524.255,"sentiment":"positive","sentiment_score":0.38451220467686653}],"sentiment":"positive","sentiment_score":0.4045289261982991,"num_words":26,"start":514.73,"end":524.255},{"sentences":[{"text":"I think we've had two great days, and it's been about it.","start":524.255,"end":526.835,"sentiment":"positive","sentiment_score":0.4400488535563151},{"text":"So it's not bad.","start":527.215,"end":527.935,"sentiment":"neutral","sentiment_score":0.17085891962051392},{"text":"We've been this is our third week.","start":527.935,"end":529.635,"sentiment":"neutral","sentiment_score":0.16841326228209905},{"text":"Yeah.","start":533.38995,"end":533.88995,"sentiment":"neutral","sentiment_score":0.2463969439268112},{"text":"It's quite a nice little lifestyle, I have to say.","start":534.26996,"end":537.00995,"sentiment":"positive","sentiment_score":0.35223504304885866}],"sentiment":"neutral","sentiment_score":0.32093123916317434,"num_words":34,"start":524.255,"end":537.00995},{"sentences":[{"text":"Found a little Tai Chi class this week, so I've wandered up to that.","start":537.23,"end":541.87,"sentiment":"neutral","sentiment_score":0.25328841911894934},{"text":"And yeah.","start":541.87,"end":543.88995,"sentiment":"neutral","sentiment_score":0.2714427709579468},{"text":"Yeah.","start":544.43,"end":544.93,"sentiment":"neutral","sentiment_score":0.26938214898109436},{"text":"Excellent.","start":555.475,"end":555.975,"sentiment":"neutral","sentiment_score":0.31576818227767944},{"text":"Thanks, Diana.","start":556.115,"end":557.015,"sentiment":"positive","sentiment_score":0.7753264605998993}],"sentiment":"neutral","sentiment_score":0.31123633310198784,"num_words":20,"start":537.23,"end":557.015},{"sentences":[{"text":"Well, look forward to your email.","start":557.075,"end":558.695,"sentiment":"positive","sentiment_score":0.7167386114597321},{"text":"Wonderful.","start":563.85,"end":564.35,"sentiment":"positive","sentiment_score":0.8378633856773376},{"text":"Thank you.","start":564.81,"end":565.3,"sentiment":"positive","sentiment_score":0.8207914531230927},{"text":"Bye.","start":565.3,"end":565.8,"sentiment":"positive","sentiment_score":0.562307596206665}],"sentiment":"positive","sentiment_score":0.7342185556888581,"num_words":10,"start":557.075,"end":565.8}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Good morning, Dana.\n\nChannel 0: Hi, Catherine. How are you today?\n\nChannel 1: I'm well. And yourself?\n\nChannel 0: I'm very well. Thank you. Thanks for asking. I had you booked in just for a bit of a quick catch up in relation to the contributions going in. Is now still a good time?\n\nChannel 1: Yes. It's a brilliant time. Thank you.\n\nChannel 0: Fantastic. Before I jump into the call, just to let you know, we do record our calls for quality and training purposes. Is that okay to proceed with that?\n\nChannel 1: Sure is.\n\nChannel 0: Fantastic. And just to do a really quick security check there with you as well just because we're discussing your personal information, I'll just get you to confirm your full name, your date of birth, and address I should have on file.\n\nChannel 1: Catherine Margaret Siva. Twenty two ten nineteen sixty five. 49 Motard Drive, Peach, New\n\nChannel 0: Perfect. Thank you so much for that. So I can see your pension payments have started to come down on the first Monday of every month. Is that working so well for you currently?\n\nChannel 1: York.\n\nChannel 0: Is\n\nChannel 1: Yes.\n\nChannel 0: that\n\nChannel 1: It's\n\nChannel 0: all\n\nChannel 1: zero\n\nChannel 0: coming\n\nChannel 1: eight.\n\nChannel 0: in\n\nChannel 1: Yep.\n\nChannel 0: fantastic? If anything changes, please let me know. But I do\n\nChannel 1: Mhmm.\n\nChannel 0: go in every month to make sure it is updated for the first Monday of each month for you, and then just double check they do go out correctly for you as well. Okay.\n\nChannel 1: Yep.\n\nChannel 0: Excellent. And just with the contribution set, so I know with the original advice, we were talking about depositing $2,000 on a monthly basis there, and Jackson made mention that the first contribution. Going in is for 5,000, which is honestly okay.\n\nChannel 1: Yep.\n\nChannel 0: Are you\n\nChannel 1: And\n\nChannel 0: sort\n\nChannel 1: and\n\nChannel 0: of\n\nChannel 1: it has it\n\nChannel 0: you're\n\nChannel 1: has\n\nChannel 0: right. Sorry.\n\nChannel 1: again this month as well.\n\nChannel 0: Okay. Yep.\n\nChannel 1: Yeah. I just wanted to be you know,\n\nChannel 0: Yeah.\n\nChannel 1: because it's rental properties, it's it's\n\nChannel 0: Yes.\n\nChannel 1: gonna fluctuate. You know? We\n\nChannel 0: Yeah.\n\nChannel 1: it is what it is based on\n\nChannel 0: Yep.\n\nChannel 1: how many people are renting at the time. But, yeah, I just wanted to double check on the threshold and whether there's any carried forward amounts from previous years and what have you so that it you know, I'm not\n\nChannel 0: Yeah.\n\nChannel 1: I'm on track for the financial year, really. That was the the main request for today.\n\nChannel 0: Yeah. Absolutely. So the contributions capped for this financial year is $32,500 as a concessional contribution. You can if you do go over that, we can always just not claim a notice of intent for a certain amount. We keep them nonconcessional, so that means that they don't get transferred and and considered as part of the cap.\n\nI'm just also having a look at your carry forward for the last financial year to see what we had available there as well. Let's see. Okay. So last financial year, the cap was 30,000, and you only made a 5,005 thousand $1.93 sitting in there as a concessional contribution. So you do\n\nChannel 1: Yeah.\n\nChannel 0: have a bit of cap space there from the last year as well. '93, that leaves you with 24,998 and 7¢. If we add that to the $32,500 for this financial year, it means total usable is 57,498 and 7¢ minus the 10,000 you've currently made is leaving us about 47,000 in there. So if you do go over that cap, that does look to be completely fine. When we look at\n\nChannel 1: Coke.\n\nChannel 0: carry forward contributions, we also just have to consider your super balance there as well. The total super balance, sorry, just double checking, is under that $500,000 limit and was as at June 30 last two years. So it\n\nChannel 1: Yeah.\n\nChannel 0: does\n\nChannel 1: And that\n\nChannel 0: mean\n\nChannel 1: is\n\nChannel 0: you'll be able to access that. Sorry. You're right.\n\nChannel 1: yeah. And it's both the accumulation and the no. Accumulation. Whatever it's called.\n\nChannel 0: The account pension? Absolutely.\n\nChannel 1: Yeah. So\n\nChannel 0: Yeah.\n\nChannel 1: it's\n\nChannel 0: So\n\nChannel 1: those\n\nChannel 0: total\n\nChannel 1: two\n\nChannel 0: super\n\nChannel 1: added\n\nChannel 0: balance\n\nChannel 1: together to be\n\nChannel 0: is.\n\nChannel 1: under the\n\nChannel 0: Yep.\n\nChannel 1: 500. Is that right?\n\nChannel 0: That's correct. Yeah. They look at\n\nChannel 1: Yep.\n\nChannel 0: total super balance, so that is\n\nChannel 1: Yep.\n\nChannel 0: all super balances combined together. Yeah.\n\nChannel 1: Awesome. And at this point, because I'm not 60\n\nChannel 0: Fantastic.\n\nChannel 1: seven, it doesn't matter what's in grades, is it?\n\nChannel 0: Mhmm. No. Correct. Yeah. So\n\nChannel 1: Mhmm.\n\nChannel 0: when you're depending on so you sort of were looking at Centrelink entitlement. So what was that\n\nChannel 1: I don't\n\nChannel 0: sort\n\nChannel 1: know.\n\nChannel 0: of\n\nChannel 1: I\n\nChannel 0: in\n\nChannel 1: don't think so. I don't think we'll ever spend that much money between now\n\nChannel 0: Yeah.\n\nChannel 1: and six to seven, to be honest, but you need to know. You know,\n\nChannel 0: Yeah.\n\nChannel 1: the reality is I've just gotta go and get an eye operation, and it's gonna be $10 that\n\nChannel 0: Oh,\n\nChannel 1: you know?\n\nChannel 0: wow. Yeah.\n\nChannel 1: So you just don't know what's gonna come up.\n\nChannel 0: Absolutely. Yeah. You know, you look you can never tell. Life always throws us curve balls, and we\n\nChannel 1: Exactly.\n\nChannel 0: just\n\nChannel 1: But I sort of thought, well, if I aim to try and get 500 in there by the end\n\nChannel 0: have\n\nChannel 1: of 67,\n\nChannel 0: to\n\nChannel 1: then, you know well, obviously,\n\nChannel 0: yeah.\n\nChannel 1: some of that will come from the side of\n\nChannel 0: Yep.\n\nChannel 1: properties and stuff, but,\n\nChannel 0: Yeah. Yep.\n\nChannel 1: yeah, that's alright. No. I just wanted to check what that figure is. So\n\nChannel 0: Yep. Absolutely.\n\nChannel 1: if I've got the 5 k a month to put in, I will.\n\nChannel 0: Yep.\n\nChannel 1: So I can at least use up the last two years available, you\n\nChannel 0: So it's well, 5,000 over the last twelve months\n\nChannel 1: know.\n\nChannel 0: brings us up to 60,000 to be placed in the super as a contribution. Sorry. I can go back a little bit further as well and look at how many contributions because it does kinda knock us over that between this year and last year. We just need to go back a little bit further to see what your carry forward looks a little bit further back. But you can also just double check it via you're looking at your myGov account\n\nChannel 1: Yep. Oh, I well, I went into hub 24. I thought I'd be able to see it there, but I couldn't\n\nChannel 0: as well.\n\nChannel 1: find\n\nChannel 0: Have\n\nChannel 1: it.\n\nChannel 0: you no. That's okay. So your myGov account actually does have your carry forward noted as well over the last five financial years. So within hub twenty four, we can see back as long as the Hub twenty four account has been opened. But your myGov account actually breaks it down over the financial years and gives you a total carry forward.\n\nChannel 1: Okay. Because\n\nChannel 0: Did you\n\nChannel 1: it can\n\nChannel 0: want\n\nChannel 1: go back for five years. Is that right?\n\nChannel 0: you can. Yeah. Yeah. Definitely.\n\nChannel 1: Yeah.\n\nChannel 0: So with this, we've looked at the last two years, and I'm just going back to have a look at how far we can go back here. But in your myGov account, every year, the ATO updates that to reflect the previous five financial years, and it also shows you eligibility, which is kind of cool and handy to have. So let's have a look at okay.\n\nChannel 1: Yep.\n\nChannel 0: So if I go back to the '25 financial\n\nChannel 1: I think I put 50 k\n\nChannel 0: year,\n\nChannel 1: in that year.\n\nChannel 0: you did. Yeah. So 50,000 went in that year. The cap then was about 30,000.\n\nChannel 1: Yes.\n\nChannel 0: 20\n\nChannel 1: I carried\n\nChannel 0: 20.\n\nChannel 1: some forward from the previous.\n\nChannel 0: Yeah. And I'm not able to see back past 2024 because\n\nChannel 1: Yeah. Because\n\nChannel 0: that was\n\nChannel 1: that's\n\nChannel 0: too\n\nChannel 1: when we\n\nChannel 0: long past hub '24.\n\nChannel 1: yeah.\n\nChannel 0: Yeah.\n\nChannel 1: That's right. Okay. I'll\n\nChannel 0: Did\n\nChannel 1: look\n\nChannel 0: you\n\nChannel 1: that\n\nChannel 0: want\n\nChannel 1: up\n\nChannel 0: me\n\nChannel 1: on\n\nChannel 0: to\n\nChannel 1: my my account.\n\nChannel 0: yeah. It's it's really easy to find. Did you want me to just forward you an email with the directions on how to find that information in myGov?\n\nChannel 1: Sure.\n\nChannel 0: Does it make it\n\nChannel 1: Why\n\nChannel 0: easier?\n\nChannel 1: not?\n\nChannel 0: Yeah. Yeah. Beautiful. If you do get ahold of it and you want to send it through, it should be absolutely fine. What I normally sort of ask is if you can just send me a screenshot of the total balances.\n\nAnd then when\n\nChannel 1: Yep.\n\nChannel 0: you go below, it has, like, a little drop down box, and it also then breaks down each financial year. So if you can screenshot the total plus each financial year and shoot those through to me via email, then I can just sort of tally them up and let you know sort of what what the outcome could be if you go over the cap and what years. Because the way it works is you use the $32,500 first for this financial year, and then it goes to the oldest carry for the year available and uses that cut first, and then it uses the next year and the next year after that. So yeah.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: All\n\nChannel 1: Oh,\n\nChannel 0: good. Do you have any other questions? Is there any\n\nChannel 1: no.\n\nChannel 0: other Or\n\nChannel 1: That's extra today. Thank\n\nChannel 0: that's\n\nChannel 1: you. Yeah. No.\n\nChannel 0: okay.\n\nChannel 1: Yeah. I'm slowly getting on top of all these things.\n\nChannel 0: You're doing very well. I'm glad it's working well for you. So, yeah, I'll send you an email now with that information. And then if you wanna shoot those back to me, absolutely fine. I will also just make sure I go into your super as I do each month and just watch the contributions coming in.\n\nAnd then if we find that might be an issue, I'll make sure I flag it with you straight away. Okay?\n\nChannel 1: Dana, thank you very much.\n\nChannel 0: That's okay. Not a problem at all. I hope you have a good day. How is everything going with you guys in the in the caravan\n\nChannel 1: Good.\n\nChannel 0: park there? How was\n\nChannel 1: Now it's yeah. We're we're it's another beautiful day in England. We had a gorgeous day yesterday.\n\nChannel 0: beautiful.\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful.\n\nChannel 1: It's floating along. To be fair, we've had really good weather. I think we've had two great days, and it's been about it. So\n\nChannel 0: Yep.\n\nChannel 1: it's not bad. We've been this is our third week.\n\nChannel 0: Beautiful. Oh, I'm glad you're enjoying it. Fantastic.\n\nChannel 1: Yeah. It's quite\n\nChannel 0: Yeah.\n\nChannel 1: a nice little lifestyle, I have to say. Found a little\n\nChannel 0: Oh, look.\n\nChannel 1: Tai\n\nChannel 0: I\n\nChannel 1: Chi class this week, so\n\nChannel 0: oh,\n\nChannel 1: I've wandered\n\nChannel 0: fantastic.\n\nChannel 1: up to that. And\n\nChannel 0: Fantastic.\n\nChannel 1: yeah. Yeah.\n\nChannel 0: Oh, that's really good. I'm glad you're having fun. It's definitely the kind of a time that I look forward to when get to that point. I wanna be able to travel and do the things that you're doing, so that's fantastic. Yeah.\n\nChannel 1: Excellent. Thanks, Diana.\n\nChannel 0: All\n\nChannel 1: Well,\n\nChannel 0: good.\n\nChannel 1: look forward\n\nChannel 0: My\n\nChannel 1: to\n\nChannel 0: pleasure.\n\nChannel 1: your email.\n\nChannel 0: Will do. And let me know if you do have any questions or if anything pops up along the way. Okay?\n\nChannel 1: Wonderful. Thank you. Bye.\n\nChannel 0: Thanks, Catherine. Talk to you soon. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Good morning, Dana.","start":1.36,"end":2.5,"sentiment":"positive","sentiment_score":0.41011906663576764}],"sentiment":"positive","sentiment_score":0.41011906663576764,"channel":1,"num_words":3,"start":1.36,"end":2.5},{"sentences":[{"text":"Hi, Catherine.","start":2.96,"end":3.84,"sentiment":"neutral","sentiment_score":0.3274027705192566},{"text":"How are you today?","start":3.84,"end":4.98,"sentiment":"positive","sentiment_score":0.35065457224845886}],"sentiment":"positive","sentiment_score":0.3429039716720581,"channel":0,"num_words":6,"start":2.96,"end":4.98},{"sentences":[{"text":"I'm well.","start":5.44,"end":6.08,"sentiment":"positive","sentiment_score":0.42823298275470734},{"text":"And yourself?","start":6.08,"end":6.8199997,"sentiment":"neutral","sentiment_score":0.2671322003006935}],"sentiment":"positive","sentiment_score":0.3476825915277004,"channel":1,"num_words":4,"start":5.44,"end":6.8199997},{"sentences":[{"text":"I'm very 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you.","start":564.81,"end":565.3,"sentiment":"positive","sentiment_score":0.8207914531230927},{"text":"Bye.","start":565.3,"end":565.8,"sentiment":"positive","sentiment_score":0.562307596206665}],"sentiment":"positive","sentiment_score":0.760438472032547,"channel":1,"num_words":4,"start":563.85,"end":565.8},{"sentences":[{"text":"Thanks, Catherine.","start":565.753,"end":566.63293,"sentiment":"positive","sentiment_score":0.6841719746589661},{"text":"Talk to you soon.","start":566.63293,"end":567.35297,"sentiment":"positive","sentiment_score":0.5944302678108215},{"text":"See you later.","start":567.35297,"end":568.173,"sentiment":"positive","sentiment_score":0.45820556084314984},{"text":"Bye.","start":568.79297,"end":569.29297,"sentiment":"neutral","sentiment_score":-0.11969614028930664}],"sentiment":"positive","sentiment_score":0.5000985562801361,"channel":0,"num_words":10,"start":565.753,"end":569.29297}]},"summary":{"result":"success","short":"Catherine confirms her personal information and personal information with the customer, including contributions and decreasing pension payments. She discusses the contribution cap and mentions the possibility of retirement funds. The company's carry forward is based on the total super balance and provides guidance on finding it through their myGov account. The agent explains the use of the ATO and provides instructions for finding it through their account, while also asking the customer to send a screenshot of their total balances and flag any issues with their carry forward. The conversation ends with plans for future travel."},"intents":{"segments":[{"text":"So I can see your pension payments have started to come down on the first Monday of every month. Is that working so well for you currently? York.","start_word":149,"end_word":176,"intents":[{"intent":"Check payment schedule","confidence_score":0.009561023}]},{"text":"But, yeah, I just wanted to double check on the threshold and whether there's any carried forward amounts from previous years and what have you so that it you know, I'm not Yeah.","start_word":336,"end_word":368,"intents":[{"intent":"Check threshold","confidence_score":0.5563033},{"intent":"Check account balance","confidence_score":0.0075621246}]},{"text":"The total super balance, sorry, just double checking, is under that $500,000 limit and was as at June 30 last two years. So it Yeah.","start_word":584,"end_word":608,"intents":[{"intent":"Calculate super balance","confidence_score":0.12730591}]},{"text":"The total super balance, sorry, just double checking, is under that $500,000 limit and was as at June 30 last two years. So it Yeah. does And that mean is you'll be able to access that. Sorry.","start_word":584,"end_word":620,"intents":[{"intent":"Access super balance","confidence_score":0.055627488}]},{"text":"I just wanted to check what that figure is. So Yep. Absolutely.","start_word":862,"end_word":873,"intents":[{"intent":"Check","confidence_score":0.004675814},{"intent":"Check","confidence_score":0.1378063},{"intent":"Check","confidence_score":0.37364775}]},{"text":"But you can also just double check it via you're looking at your myGov account Yep.","start_word":978,"end_word":993,"intents":[{"intent":"Double check","confidence_score":0.034750756}]},{"text":"So within hub twenty four, we can see back as long as the Hub twenty four account has been opened. But your myGov account actually breaks it down over the financial years and gives you a total carry forward. Okay.","start_word":1043,"end_word":1082,"intents":[{"intent":"Report financial transactions","confidence_score":0.00010344339}]},{"text":"So, yeah, I'll send you an email now with that information. And then if you wanna shoot those back to me, absolutely fine.","start_word":1499,"end_word":1521,"intents":[{"intent":"Send email with information","confidence_score":0.007781186}]}]},"sentiments":{"segments":[{"text":"Good morning, Dana.","start_word":0,"end_word":2,"sentiment":"positive","sentiment_score":0.39882251620292664},{"text":"Hi, Catherine.","start_word":3,"end_word":4,"sentiment":"neutral","sentiment_score":0.3274027705192566},{"text":"How are you today? I'm well.","start_word":5,"end_word":10,"sentiment":"positive","sentiment_score":0.3935121297836304},{"text":"And yourself?","start_word":11,"end_word":12,"sentiment":"neutral","sentiment_score":0.28176969289779663},{"text":"I'm very well. Thank you. Thanks for asking.","start_word":13,"end_word":20,"sentiment":"positive","sentiment_score":0.6674203872680664},{"text":"I had you booked in just for a bit of a quick catch up in relation to the contributions going in. Is now still a good time?","start_word":21,"end_word":47,"sentiment":"neutral","sentiment_score":0.2155749350786209},{"text":"Yes. It's a brilliant time. Thank you. Fantastic.","start_word":48,"end_word":55,"sentiment":"positive","sentiment_score":0.7344724535942078},{"text":"Before I jump into the call, just to let you know, we do record our calls for quality and training purposes. Is that okay to proceed with that? Sure is.","start_word":56,"end_word":85,"sentiment":"neutral","sentiment_score":0.16219082474708557},{"text":"Fantastic.","start_word":86,"end_word":86,"sentiment":"positive","sentiment_score":0.5354036092758179},{"text":"And just to do a really quick security check there with you as well just because we're discussing your personal information, I'll just get you to confirm your full name, your date of birth, and address I should have on file. Catherine Margaret Siva. Twenty two ten nineteen sixty five. 49 Motard Drive, Peach, New Perfect.","start_word":87,"end_word":142,"sentiment":"neutral","sentiment_score":0.18613743782043457},{"text":"Thank you so much for that. So I can see your pension payments have started to come down on the first Monday of every month.","start_word":143,"end_word":167,"sentiment":"positive","sentiment_score":0.4609321355819702},{"text":"Is that working so well for you currently? York. Is Yes. that It's all zero coming eight. in Yep. fantastic? If anything changes, please let me know. But I do go Mhmm. in every month to make sure it is updated for the first Monday of each month for you, and then just double check they do go out correctly for you as well. Okay. Yep.","start_word":168,"end_word":233,"sentiment":"neutral","sentiment_score":0.1127159744501114},{"text":"Excellent.","start_word":234,"end_word":234,"sentiment":"positive","sentiment_score":0.3934398293495178},{"text":"And just with the contribution set, so I know with the original advice, we were talking about depositing $2,000 on a monthly basis there, and Jackson made mention that the first contribution. Going in is for 5,000, which is honestly okay. Yep. Are you And sort and of it has it you're has right. Sorry. again this month as well. Okay. Yep. Yeah. I just wanted to be you know, Yeah. because it's rental properties, it's it's Yes. gonna fluctuate. You know? We Yeah. it is what it is based on Yep. how many people are renting at the time. But, yeah, I just wanted to double check on the threshold and whether there's any carried forward amounts from previous years and what have you so that it you know, I'm not Yeah. I'm on track for the financial year, really. That was the the main request for today. Yeah.","start_word":235,"end_word":384,"sentiment":"neutral","sentiment_score":0.06761670981844266},{"text":"Absolutely.","start_word":385,"end_word":385,"sentiment":"positive","sentiment_score":0.4416612982749939},{"text":"So the contributions capped for this financial year is $32,500 as a concessional contribution. You can if you do go over that, we can always just not claim a notice of intent for a certain amount. We keep them nonconcessional, so that means that they don't get transferred and and considered as part of the cap. I'm just also having a look at your carry forward for the last financial year to see what we had available there as well. Let's see. Okay. So last financial year, the cap was 30,000, and you only made a 5,005 thousand $1.93 sitting in there as a concessional contribution. So you do Yeah. have a bit of cap space there from the last year as well. '93, that leaves you with 24,998 and 7<unk>. If we add that to the $32,500 for this financial year, it means total usable is 57,498 and 7<unk> minus the 10,000 you've currently made is leaving us about 47,000 in there. So if you do go over that cap, that does look to be completely fine. When we look at Coke. carry forward contributions, we also just have to consider your super balance there as well. The total super balance, sorry, just double checking, is under that $500,000 limit and was as at June 30 last two years. So it Yeah. does And that mean is you'll be able to access that. Sorry. You're right. yeah. And it's both the accumulation and the no. Accumulation. Whatever it's called. The account pension? Absolutely. Yeah. So Yeah. it's So those total two super added balance together to be is. under the Yep. 500. Is that right? That's correct. Yeah. They look at Yep. total super balance, so that is Yep. all super balances combined together. Yeah.","start_word":386,"end_word":684,"sentiment":"neutral","sentiment_score":0.06931589543819427},{"text":"Awesome.","start_word":684,"end_word":685,"sentiment":"positive","sentiment_score":0.5391491651535034},{"text":"And at this point, because I'm not 60 Fantastic. seven, it doesn't matter what's in grades, is it? Mhmm. No. Correct. Yeah. So Mhmm. when you're depending on so you sort of were looking at Centrelink entitlement. So what was that I don't sort know. of I in don't think so. I don't think we'll ever spend that much money between now Yeah. and six to seven, to be honest, but you need to know. You know, Yeah. the reality is I've just gotta go and get an eye operation, and it's gonna be $10 that Oh, you know? wow. Yeah. So you just don't know what's gonna come up. Absolutely. Yeah. You know, you look you can never tell. Life always throws us curve balls, and we Exactly. just But I sort of thought, well, if I aim to try and get 500 in there by the end have of 67, to then, you know well, obviously, yeah. some of that will come from the side of Yep. properties and stuff, but, Yeah. Yep. yeah, that's alright. No. I just wanted to check what that figure is. So Yep.","start_word":685,"end_word":872,"sentiment":"neutral","sentiment_score":-0.028313774694787696},{"text":"Absolutely.","start_word":873,"end_word":873,"sentiment":"positive","sentiment_score":0.38540855050086975},{"text":"if I've got the 5 k a month to put in, I will. Yep. So I can at least use up the last two years available, you So it's well, 5,000 over the last twelve months know. brings us up to 60,000 to be placed in the super as a contribution. Sorry. I can go back a little bit further as well and look at how many contributions because it does kinda knock us over that between this year and last year. We just need to go back a little bit further to see what your carry forward looks a little bit further back. But you can also just double check it via you're looking at your myGov account Yep. Oh, I well, I went into hub 24. I thought I'd be able to see it there, but I couldn't as well. find Have it. you no. That's okay. So your myGov account actually does have your carry forward noted as well over the last five financial years. So within hub twenty four, we can see back as long as the Hub twenty four account has been opened. But your myGov account actually breaks it down over the financial years and gives you a total carry forward. Okay. Because Did you it can want go back for five years. Is that right? you can. Yeah. Yeah. Definitely. Yeah. So with this, we've looked at the last two years, and I'm just going back to have a look at how far we can go back here.","start_word":874,"end_word":1128,"sentiment":"neutral","sentiment_score":0.1016212094356032},{"text":"But in your myGov account, every year, the ATO updates that to reflect the previous five financial years, and it also shows you eligibility, which is kind of cool and handy to have.","start_word":1129,"end_word":1161,"sentiment":"positive","sentiment_score":0.3618992865085602},{"text":"So let's have a look at okay. Yep. So if I go back to the '25 financial I think I put 50 k year, in that year. you did. Yeah. So 50,000 went in that year. The cap then was about 30,000. Yes. 20 I carried 20. some forward from the previous. Yeah. And I'm not able to see back past 2024 because Yeah. Because that was that's too when we long past hub '24. yeah. Yeah. That's right. Okay. I'll Did look you that want up me on to my my account. yeah. It's it's really easy to find. Did you want me to just forward you an email with the directions on how to find that information in myGov? Sure. Does it make it Why easier? not? Yeah.","start_word":1162,"end_word":1291,"sentiment":"neutral","sentiment_score":0.05546471104025841},{"text":"Yeah. Beautiful. If you do get ahold of it and you want to send it through, it should be absolutely fine.","start_word":1292,"end_word":1312,"sentiment":"positive","sentiment_score":0.5094550251960754},{"text":"What I normally sort of ask is if you can just send me a screenshot of the total balances. And then when Yep. you go below, it has, like, a little drop down box, and it also then breaks down each financial year. So if you can screenshot the total plus each financial year and shoot those through to me via email, then I can just sort of tally them up and let you know sort of what what the outcome could be if you go over the cap and what years. Because the way it works is you use the $32,500 first for this financial year, and then it goes to the oldest carry for the year available and uses that cut first, and then it uses the next year and the next year after that. So yeah. Yeah. Okay.","start_word":1313,"end_word":1453,"sentiment":"neutral","sentiment_score":0.1051504059780574},{"text":"All good.","start_word":1454,"end_word":1455,"sentiment":"positive","sentiment_score":0.3694056272506714},{"text":"Oh, Do you have any other questions? Is there any no. other Or That's extra today.","start_word":1456,"end_word":1471,"sentiment":"neutral","sentiment_score":0.04593781754374504},{"text":"Thank that's you.","start_word":1472,"end_word":1474,"sentiment":"positive","sentiment_score":0.5062255859375},{"text":"Yeah. No. okay. Yeah.","start_word":1475,"end_word":1478,"sentiment":"neutral","sentiment_score":0.14318077266216278},{"text":"I'm slowly getting on top of all these things. You're doing very well. I'm glad it's working well for you. So, yeah, I'll send you an email now with that information.","start_word":1479,"end_word":1509,"sentiment":"positive","sentiment_score":0.5513797998428345},{"text":"And then if you wanna shoot those back to me, absolutely fine. I will also just make sure I go into your super as I do each month and just watch the contributions coming in. And then if we find that might be an issue, I'll make sure I flag it with you straight away. Okay?","start_word":1510,"end_word":1565,"sentiment":"neutral","sentiment_score":0.16607405245304108},{"text":"Dana, thank you very much.","start_word":1566,"end_word":1570,"sentiment":"positive","sentiment_score":0.3425149917602539},{"text":"That's okay. Not a problem at all.","start_word":1571,"end_word":1577,"sentiment":"neutral","sentiment_score":0.2551739811897278},{"text":"I hope you have a good day.","start_word":1578,"end_word":1584,"sentiment":"positive","sentiment_score":0.43522733449935913},{"text":"How is everything going with you guys in the in the caravan Good. park there? How was Now it's yeah.","start_word":1585,"end_word":1604,"sentiment":"neutral","sentiment_score":0.12555332481861117},{"text":"We're we're it's another beautiful day in England. We had a gorgeous day yesterday. beautiful. Yeah. Beautiful. It's floating along. To be fair, we've had really good weather. I think we've had two great days, and it's been about it.","start_word":1605,"end_word":1644,"sentiment":"positive","sentiment_score":0.41288039088249207},{"text":"So Yep. it's not bad. We've been this is our third week.","start_word":1645,"end_word":1656,"sentiment":"neutral","sentiment_score":0.17094211280345917},{"text":"Beautiful. Oh, I'm glad you're enjoying it. Fantastic.","start_word":1657,"end_word":1664,"sentiment":"positive","sentiment_score":0.48188263177871704},{"text":"Yeah. It's quite Yeah.","start_word":1665,"end_word":1668,"sentiment":"neutral","sentiment_score":0.235375314950943},{"text":"a nice little lifestyle, I have to say.","start_word":1669,"end_word":1676,"sentiment":"positive","sentiment_score":0.3789646923542022},{"text":"Found a little Oh, look.","start_word":1677,"end_word":1681,"sentiment":"neutral","sentiment_score":0.1391066312789917},{"text":"Tai I Chi class this week, so oh, I've wandered fantastic.","start_word":1682,"end_word":1692,"sentiment":"positive","sentiment_score":0.34157973527908325},{"text":"up to that.","start_word":1693,"end_word":1695,"sentiment":"neutral","sentiment_score":0.2841769754886627},{"text":"And Fantastic.","start_word":1696,"end_word":1697,"sentiment":"positive","sentiment_score":0.3938818573951721},{"text":"yeah. Yeah.","start_word":1698,"end_word":1699,"sentiment":"neutral","sentiment_score":0.2680976092815399},{"text":"Oh, that's really good. I'm glad you're having fun. It's definitely the kind of a time that I look forward to when get to that point. I wanna be able to travel and do the things that you're doing, so that's fantastic.","start_word":1700,"end_word":1741,"sentiment":"positive","sentiment_score":0.6368293762207031},{"text":"Yeah.","start_word":1742,"end_word":1742,"sentiment":"neutral","sentiment_score":0.3122895658016205},{"text":"Excellent. Thanks, Diana. All Well, good. look forward My to pleasure. your email. Will do. And let me know if you do have any questions or if anything pops up along the way.","start_word":1743,"end_word":1775,"sentiment":"positive","sentiment_score":0.5427052505088575},{"text":"Okay?","start_word":1776,"end_word":1776,"sentiment":"neutral","sentiment_score":0.3236675262451172},{"text":"Wonderful. Thank you. Bye. Thanks, Catherine. Talk to you soon. See you later.","start_word":1777,"end_word":1789,"sentiment":"positive","sentiment_score":0.6333832144737244},{"text":"Bye.","start_word":1790,"end_word":1790,"sentiment":"neutral","sentiment_score":0.2745712697505951}],"average":{"sentiment":"neutral","sentiment_score":0.1610908369247418}}}}