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But Veronica note of noticed that you and I spoke last, so I figured we would get on the phone because we had a bit of a detailed conversation, and there was a few things that we had outstanding from our last conversations. She she forwarded it to me this morning, so that's absolutely okay. Yeah. Yeah. Well, before I jump into it yeah. Sorry. Before I jump into it, I do need to let you know our calls are recorded. And if I could get you confirmed security for me, full name, date of birth, address. Fantastic. Yes. I I have the, yeah, total remuneration package from, like, Rio, which is fantastic. So you've obviously got cool. Hay rise. Yep. Yep. Yes. Yeah. Like, full commute allowance, function allowance, a handover, a superannuation on top, which is perfect. And then, obviously, you've got your incentive plan attached to that as well. Yeah. Yes. You you you can. So so the short answer is yes. You can. But the caveat to that is, will it affect my take home? Yes. Yep. On your base? Or or is that or or is that the is that the short term incentive plan? Is that no. That's separate again? Okay. So you okay. So the incentive plan is basically, like, if there's no accidents on-site type of thing? Yep. Yep. Yep. Okay. Yep. Yeah. And this year, it's it's well, yeah. It's $11.11 $6.79 according to the letter, plus super paid on it. Yeah. No. That's that's absolutely easy. So I I guess there's a there's a there's a a couple of points on it. Because, obviously, like, the 200,000 is what the the total remuneration benefit is, which does include the super the two super components that they outlined, which combining the two of those means you're sort of on 15 let's just call it 15.5 to keep it roundish, which you could put up to $30 into the fund within a year before triggering things We're 30 two and a half now. Yes. Something happens? Yeah. Yep. Well, did you did you get my email after we spoke that breaks down your insurance and a few of the options? Would like, do you need me to send it again? Yeah. Yeah. Let let me let me send it to you again because I I, I grabbed it this morning so I could bring it up and remind myself about all the sections, I guess. So I've just pressed send on that again, so you should have that in a hot second. And then, yeah, I guess, like, with the with the contributions, the I I just sent it from mine. So you'll have it from me right now. Have I gone to your spam? That's sad. But we see I guess oh, I know. Yeah. Just make it all the same. I guess with with this, like, salary sacrificing, what amount of money would you be willing to forego each month? I'm assuming, like, generally, mine sites pay monthly. 32 and a 0.5. Yeah. On top of what you're already paying? Because, like, let's just so it's 15 it's, like, $15.05. 1,416 and change is what you could pop in for the year, and it's inclusive of what your employer already pays. We like, if you wanted to put more in, we definitely can because we can look backwards on, like, previous years to pull money from previous years' contributions. So caps that you haven't previously used, we could utilize those cap spaces. Yeah. Not as long as you want. There's only five yeah. Five yeah. Correct. Yeah. Five years. Years. Forego or lose. Yeah. Because you you won't feel the same effect. So with with your take home, obviously, you get taxed at your marginal rate. So if you say put a $100 into your fund well, let's just say well, let's just say we put $10 into your fund across the year in addition to what your employer puts in. Let's ignore the employer. It's just $10 comes out of your take home, it goes into your fund. Rather than be taxed on 47%, which means that you would only be getting, you know, roughly $5 of that in pocket, the super fund gets 10% and only is only taxed at 15% rather than 47. So you basically cut the government out of, you know, a good decent 30% tax, nearly. Yeah. And I can I can work out the numbers so long as I know what parameters you wanna set as a hard line? As in, no. I I need x amount of money to live each pay cycle. 9,000 a month? Okay. I can. Just give me one second, and I will go quiet so I can mess. Oh, chat chat g p t is really bad at math, let me tell you. It's actually really, really bad at math. It's a fantastic tool sometimes, but, honestly, it's actually not a great mathematician. Yeah. Okay. So that's base. I'm just working out what your actual income is because the letter obviously includes your super, which that's not that's not salary. You don't get taxed on that to the same degree. So if it was the sum of all of these figures Okay. So your actual salary is, as in what you get paid and taxed at a marginal rate on, is a $188,184.10 based on the base, the commute allowance, the function, the handover, and the STIP. Which you said you said that you're currently sorry. 190. However, if yeah. So a 190 is where you hit the highest tax bracket. If you you said you're also getting an extra 10% on top of what's listed in this remuneration package. Okay. Okay. Do you know an estimation on how long that's gonna go for? Because, like, we're we're a month into this financial year. Okay. We work out, but that's fine. Yep. Because, realistically fair. Because, realistically, you've already been paid for one of those months because where if you've done it for two months, you're well, a month into this financial year. So divide that twelve. And then and let's just say you do it for another month, that'll that if you do that for one more month in this financial year, it'll push you over the one ninety. Just it'll push you over the one ninety. Because each month that you do that job, you will basically, you're walking home with nearly a well, you're getting nearly a thousand dollars in taxable income, which your $2 from the the the highest tax bracket is where you're basically at. Yeah. So there's one of two ways that we could plan this. We can salary sacrifice, which is dollar cost averaging, putting money in regularly into the super fund, which long term does work out better. And then we just have to know exactly what you do or don't want to live without each each pay cycle, Or we get to basically June June May June. I don't never like saying too far into June, but end of May, really. And we look at what your payslip was. We can basically average out based on what you've earned, what you would earn for the rest of the financial year. And then we go, cool. We need to forego x amount of money to make it the most tax effective. Less yeah. You could do it in a lump sum. Absolutely. But you have to have the cash available to do that, and it is less effective from a compounding interest in the fund methods. Yep. But if we just go off your base, so it's a $1.88, $1.84, and 40 and 10¢, what that basically means is for this financial year, your annual take home is about a $133,722, or monthly, that's $11,141, ignoring the increase of role that you are currently doing. Understood. Ongoing. Take that out. Absolutely. As an ad hoc bonus that you can yep. Absolutely. Cool. Alright. So that changes so your gross salary, ignoring the FIP, is $1.07 $6.05 $0.04, which monthly is $10.05 44. Cool. And 67¢. So yep. But it it can, yeah, it can change. It's not a guaranteed 10%. It's a if the company does really well, we'll pay you x amount of percentage on the earnings that we've earned and or however they kind of calculate it. Yeah. No. I have plenty of clients that have that. It's a the bonus calculated at a specific time of of the year. Okay. So, realistically, we have about $1,500 that we can play with out of your out of your gross out of your net income. It's just a matter of me working out what that looks like gross, so without the tax implication on it, which I can do. It's not generally something I do on the phone with someone, but I can do it and then email it to you if they have it in writing, and I can give a few options and how that affects you tax wise broken down. So that way you can see if I do this, this is the tax implications, and this is how much tax I would it I, you know, I would save. And I can show you because, obviously, any money you put in yeah. Sorry. Yeah. I mean, I still kind of want to make some changes to your insurance policy if you're amenable to it. Yeah. Yeah. No. Drop it. Yeah. Yeah. But it it it just gives you that it gives you that reassurance of yeah. Well, the quotes are all there. Like, I I did up, yeah, quite a number of quotes just to show you where if what changes we make, how it kind of affects. And you can see, like, it it it drops it quite a bit. So that gives you a bit of sort of an idea on that front. Because currently, you you've you've got nearly 1.6. So, like, you know, if we cut it in half, it it drops it quite a bit if we, you know, stepped it from there. You can see. Yep. Yeah. We I can look at a one year wait. Yep. Yep. Yep. Yep. Okay. On Yep. Yes. And it's full. Okay. Yeah. Yes. But now that's twelve, essentially. Okay. Yes. Let me I I mean, I have to go back to the insurer and and check the twelve months, but I can definitely do that. I'll send them an email straight off the back of this phone call. I could do all the, sales tax calculations today. No. Don't. No. That's okay. We make the changes. Yeah. Well, I can, I can do all the salary continuance sorry? Sales calculations, tax implications, and all that, and I can lay it out for you just so you can see like, I'll do basically what your what your what tax you pay now, both your superannuation rate and your marginal rate. And then I'll show you, you know, if we go the basically full 1,500 a month into your super fund, what that looks like and how that'll kind of trigger things. My only question is just because I do need to do my due diligence, because if we put 1,500 in, we are going to exceed the cap for the year, which, again, I'm not actually that concerned about because I know you do have room, but I wanna know how much room. Are you do you have access to myGov and the ATO? Do you think you can log in? And what I'll do is I can talk you through how to access what I want you to access, and if you can take a screenshot and email it to me. No. You're you're okay. Just let me know when you're actually signed in. That's painful as sign in processes. Yeah. They don't make it easy. Perfect. So if you're in myGov, all you need to do is go down to the, like, the linked ATO service, and that'll take you through the ATO site. Now once you're on the ATO site, there is a menu button. In the menu button, go to super and then information and then carry forward concessional contributions. You'll be are you on a computer or a phone or an iPad? Cool. There'll be a bar at the top, and it'll say super. If you click on or hover over that super button, it'll provide a drop down information, hover over that, and then carry forward concessional contributions. It's how I navigated this site a couple of times. That'll bring you up to a page. It says carry forward concessional contributions, blah blah blah blah blah. It'll have a total amount. If you click on the drop down, so it'll say, like, show more details, which you can click on. It gives you a breakdown of each financial years, what you made as a contribution, and what you have as an unused concessional contribution cap. If you're able to print screen that, if you're on a computer, you should just be able to go to the top right corner and go print the PDF. Yep. And send that to me. That'll just give me yep. Sniff it. That works too. Absolutely. Yeah. And so long as I have each of the breakdowns, that'll give me everything I need, and I can just make sure that we're obviously I'm covering myself off and making sure that I'm you know, we're not gonna breach anything. We're not gonna incur 49% tax in your super fund. Because if we breach if we breach all of these caps, that's what we're gonna end up doing. This will Incur. Incur a higher tax rate. Yep. Yeah. And it just it it allows me to kinda track how much we'll use ongoing if we do this long term, how much of each cap we'll use and give us benefits that way? My email? That's absolutely fine. The best email is the most concise and informal. Perfect. And that has come through. I had a quick email. That is what I need. That is perfect. Yeah. That gives me everything. So what I'll do is I will do a breakdown of the tax. So long as you guys are comfortable with 9,000 take home each month, and you're set on that amount. Yeah. I'll give you a few I'll give you a few options, a few different breakdowns, and I'll I'll map it all out. And I'll just show you the tax implications of each of them, and I'll get that through to you today. Absolutely. Yeah. Yeah. Yep. I could do that. Alright. Cool. Well, I'll twelve months. Yeah. Yeah. I'll push it through to the insurer. And once I get back once I hear back from them, I'll flick you the updated premium and what it looks like just so you have a a comparison. Option six, call it. No. That's too easy. Alright. Well, I'll I'll get cracking. You'll have some information from me now and probably a little bit of it in a few days once I hear back from the insurer. In the the the the concessional contributions, I can, yeah, I can map out all the tax now. I have I have an hour and a half that I can I can sit down and dedicate it to it now, and then I have a bit of time this afternoon or this evening that I'll I'll I'll be able to finish it off and and get you at least, like, the the tax implications of, you know, different amounts that we can pop in? So that way, at least you have that breakdown, and I'll once I get all the information, I'll consolidate into one big email and give it to you in one big place. But I just wanna get you the information as much as possible. Cool. Cool. Alright. If there's any other tidbits or bits of information that pop up, feel free to just flick it through me in an email. I can consider that. Alright. Perfect. I'll, I'll get cracking then. Bye, Craig. 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Good morning, Craig. Larissa, Oakview Financial. How are you going? Yeah.\n\nGood. Thank you. Caden obviously booked your appointment yesterday, and originally it was with Veronica. But Veronica note of noticed that you and I spoke last, so I figured we would get on the phone because we had a bit of a detailed conversation, and there was a few things that we had outstanding from our last conversations. She she forwarded it to me this morning, so that's absolutely okay.\n\nYeah. Yeah. Well, before I jump into it yeah. Sorry. Before I jump into it, I do need to let you know our calls are recorded.\n\nAnd if I could get you confirmed security for me, full name, date of birth, address. Fantastic. Yes. I I have the, yeah, total remuneration package from, like, Rio, which is fantastic. So you've obviously got cool.\n\nHay rise. Yep. Yep. Yes. Yeah.\n\nLike, full commute allowance, function allowance, a handover, a superannuation on top, which is perfect. And then, obviously, you've got your incentive plan attached to that as well. Yeah. Yes. You you you can.\n\nSo so the short answer is yes. You can. But the caveat to that is, will it affect my take home? Yes. Yep.\n\nOn your base? Or or is that or or is that the is that the short term incentive plan? Is that no. That's separate again? Okay.\n\nSo you okay. So the incentive plan is basically, like, if there's no accidents on-site type of thing? Yep. Yep. Yep.\n\nOkay. Yep. Yeah. And this year, it's it's well, yeah. It's $11.11 $6.79 according to the letter, plus super paid on it.\n\nYeah. No. That's that's absolutely easy. So I I guess there's a there's a there's a a couple of points on it. Because, obviously, like, the 200,000 is what the the total remuneration benefit is, which does include the super the two super components that they outlined, which combining the two of those means you're sort of on 15 let's just call it 15.5 to keep it roundish, which you could put up to $30 into the fund within a year before triggering things We're 30 two and a half now.\n\nYes. Something happens? Yeah. Yep. Well, did you did you get my email after we spoke that breaks down your insurance and a few of the options?\n\nWould like, do you need me to send it again? Yeah. Yeah. Let let me let me send it to you again because I I, I grabbed it this morning so I could bring it up and remind myself about all the sections, I guess. So I've just pressed send on that again, so you should have that in a hot second.\n\nAnd then, yeah, I guess, like, with the with the contributions, the I I just sent it from mine. So you'll have it from me right now. Have I gone to your spam? That's sad. But we see I guess oh, I know.\n\nYeah. Just make it all the same. I guess with with this, like, salary sacrificing, what amount of money would you be willing to forego each month? I'm assuming, like, generally, mine sites pay monthly. 32 and a 0.5.\n\nYeah. On top of what you're already paying? Because, like, let's just so it's 15 it's, like, $15.05. 1,416 and change is what you could pop in for the year, and it's inclusive of what your employer already pays. We like, if you wanted to put more in, we definitely can because we can look backwards on, like, previous years to pull money from previous years' contributions.\n\nSo caps that you haven't previously used, we could utilize those cap spaces. Yeah. Not as long as you want. There's only five yeah. Five yeah.\n\nCorrect. Yeah. Five years. Years. Forego or lose.\n\nYeah. Because you you won't feel the same effect. So with with your take home, obviously, you get taxed at your marginal rate. So if you say put a $100 into your fund well, let's just say well, let's just say we put $10 into your fund across the year in addition to what your employer puts in. Let's ignore the employer.\n\nIt's just $10 comes out of your take home, it goes into your fund. Rather than be taxed on 47%, which means that you would only be getting, you know, roughly $5 of that in pocket, the super fund gets 10% and only is only taxed at 15% rather than 47. So you basically cut the government out of, you know, a good decent 30% tax, nearly. Yeah. And I can I can work out the numbers so long as I know what parameters you wanna set as a hard line?\n\nAs in, no. I I need x amount of money to live each pay cycle. 9,000 a month? Okay. I can.\n\nJust give me one second, and I will go quiet so I can mess. Oh, chat chat g p t is really bad at math, let me tell you. It's actually really, really bad at math. It's a fantastic tool sometimes, but, honestly, it's actually not a great mathematician. Yeah.\n\nOkay. So that's base. I'm just working out what your actual income is because the letter obviously includes your super, which that's not that's not salary. You don't get taxed on that to the same degree. So if it was the sum of all of these figures Okay.\n\nSo your actual salary is, as in what you get paid and taxed at a marginal rate on, is a $188,184.10 based on the base, the commute allowance, the function, the handover, and the STIP. Which you said you said that you're currently sorry. 190. However, if yeah. So a 190 is where you hit the highest tax bracket.\n\nIf you you said you're also getting an extra 10% on top of what's listed in this remuneration package. Okay. Okay. Do you know an estimation on how long that's gonna go for? Because, like, we're we're a month into this financial year.\n\nOkay. We work out, but that's fine. Yep. Because, realistically fair. Because, realistically, you've already been paid for one of those months because where if you've done it for two months, you're well, a month into this financial year.\n\nSo divide that twelve. And then and let's just say you do it for another month, that'll that if you do that for one more month in this financial year, it'll push you over the one ninety. Just it'll push you over the one ninety. Because each month that you do that job, you will basically, you're walking home with nearly a well, you're getting nearly a thousand dollars in taxable income, which your $2 from the the the highest tax bracket is where you're basically at. Yeah.\n\nSo there's one of two ways that we could plan this. We can salary sacrifice, which is dollar cost averaging, putting money in regularly into the super fund, which long term does work out better. And then we just have to know exactly what you do or don't want to live without each each pay cycle, Or we get to basically June June May June. I don't never like saying too far into June, but end of May, really. And we look at what your payslip was.\n\nWe can basically average out based on what you've earned, what you would earn for the rest of the financial year. And then we go, cool. We need to forego x amount of money to make it the most tax effective. Less yeah. You could do it in a lump sum.\n\nAbsolutely. But you have to have the cash available to do that, and it is less effective from a compounding interest in the fund methods. Yep. But if we just go off your base, so it's a $1.88, $1.84, and 40 and 10¢, what that basically means is for this financial year, your annual take home is about a $133,722, or monthly, that's $11,141, ignoring the increase of role that you are currently doing. Understood.\n\nOngoing. Take that out. Absolutely. As an ad hoc bonus that you can yep. Absolutely.\n\nCool. Alright. So that changes so your gross salary, ignoring the FIP, is $1.07 $6.05 $0.04, which monthly is $10.05 44. Cool. And 67¢.\n\nSo yep. But it it can, yeah, it can change. It's not a guaranteed 10%. It's a if the company does really well, we'll pay you x amount of percentage on the earnings that we've earned and or however they kind of calculate it. Yeah.\n\nNo. I have plenty of clients that have that. It's a the bonus calculated at a specific time of of the year. Okay. So, realistically, we have about $1,500 that we can play with out of your out of your gross out of your net income.\n\nIt's just a matter of me working out what that looks like gross, so without the tax implication on it, which I can do. It's not generally something I do on the phone with someone, but I can do it and then email it to you if they have it in writing, and I can give a few options and how that affects you tax wise broken down. So that way you can see if I do this, this is the tax implications, and this is how much tax I would it I, you know, I would save. And I can show you because, obviously, any money you put in yeah. Sorry.\n\nYeah. I mean, I still kind of want to make some changes to your insurance policy if you're amenable to it. Yeah. Yeah. No.\n\nDrop it. Yeah. Yeah. But it it it just gives you that it gives you that reassurance of yeah. Well, the quotes are all there.\n\nLike, I I did up, yeah, quite a number of quotes just to show you where if what changes we make, how it kind of affects. And you can see, like, it it it drops it quite a bit. So that gives you a bit of sort of an idea on that front. Because currently, you you've you've got nearly 1.6. So, like, you know, if we cut it in half, it it drops it quite a bit if we, you know, stepped it from there.\n\nYou can see. Yep. Yeah. We I can look at a one year wait. Yep.\n\nYep. Yep. Yep. Okay. On Yep.\n\nYes. And it's full. Okay. Yeah. Yes.\n\nBut now that's twelve, essentially. Okay. Yes. Let me I I mean, I have to go back to the insurer and and check the twelve months, but I can definitely do that. I'll send them an email straight off the back of this phone call.\n\nI could do all the, sales tax calculations today. No. Don't. No. That's okay.\n\nWe make the changes. Yeah. Well, I can, I can do all the salary continuance sorry? Sales calculations, tax implications, and all that, and I can lay it out for you just so you can see like, I'll do basically what your what your what tax you pay now, both your superannuation rate and your marginal rate. And then I'll show you, you know, if we go the basically full 1,500 a month into your super fund, what that looks like and how that'll kind of trigger things.\n\nMy only question is just because I do need to do my due diligence, because if we put 1,500 in, we are going to exceed the cap for the year, which, again, I'm not actually that concerned about because I know you do have room, but I wanna know how much room. Are you do you have access to myGov and the ATO? Do you think you can log in? And what I'll do is I can talk you through how to access what I want you to access, and if you can take a screenshot and email it to me. No.\n\nYou're you're okay. Just let me know when you're actually signed in. That's painful as sign in processes. Yeah. They don't make it easy.\n\nPerfect. So if you're in myGov, all you need to do is go down to the, like, the linked ATO service, and that'll take you through the ATO site. Now once you're on the ATO site, there is a menu button. In the menu button, go to super and then information and then carry forward concessional contributions. You'll be are you on a computer or a phone or an iPad?\n\nCool. There'll be a bar at the top, and it'll say super. If you click on or hover over that super button, it'll provide a drop down information, hover over that, and then carry forward concessional contributions. It's how I navigated this site a couple of times. That'll bring you up to a page.\n\nIt says carry forward concessional contributions, blah blah blah blah blah. It'll have a total amount. If you click on the drop down, so it'll say, like, show more details, which you can click on. It gives you a breakdown of each financial years, what you made as a contribution, and what you have as an unused concessional contribution cap. If you're able to print screen that, if you're on a computer, you should just be able to go to the top right corner and go print the PDF.\n\nYep. And send that to me. That'll just give me yep. Sniff it. That works too.\n\nAbsolutely. Yeah. And so long as I have each of the breakdowns, that'll give me everything I need, and I can just make sure that we're obviously I'm covering myself off and making sure that I'm you know, we're not gonna breach anything. We're not gonna incur 49% tax in your super fund. Because if we breach if we breach all of these caps, that's what we're gonna end up doing.\n\nThis will Incur. Incur a higher tax rate. Yep. Yeah. And it just it it allows me to kinda track how much we'll use ongoing if we do this long term, how much of each cap we'll use and give us benefits that way?\n\nMy email? That's absolutely fine. The best email is the most concise and informal. Perfect. And that has come through.\n\nI had a quick email. That is what I need. That is perfect. Yeah. That gives me everything.\n\nSo what I'll do is I will do a breakdown of the tax. So long as you guys are comfortable with 9,000 take home each month, and you're set on that amount. Yeah. I'll give you a few I'll give you a few options, a few different breakdowns, and I'll I'll map it all out. And I'll just show you the tax implications of each of them, and I'll get that through to you today.\n\nAbsolutely. Yeah. Yeah. Yep. I could do that.\n\nAlright. Cool. Well, I'll twelve months. Yeah. Yeah.\n\nI'll push it through to the insurer. And once I get back once I hear back from them, I'll flick you the updated premium and what it looks like just so you have a a comparison. Option six, call it. No. That's too easy.\n\nAlright. Well, I'll I'll get cracking. You'll have some information from me now and probably a little bit of it in a few days once I hear back from the insurer. In the the the the concessional contributions, I can, yeah, I can map out all the tax now. I have I have an hour and a half that I can I can sit down and dedicate it to it now, and then I have a bit of time this afternoon or this evening that I'll I'll I'll be able to finish it off and and get you at least, like, the the tax implications of, you know, different amounts that we can pop in?\n\nSo that way, at least you have that breakdown, and I'll once I get all the information, I'll consolidate into one big email and give it to you in one big place. But I just wanna get you the information as much as possible. Cool. Cool. Alright.\n\nIf there's any other tidbits or bits of information that pop up, feel free to just flick it through me in an email. I can consider that. Alright. Perfect. I'll, I'll get cracking then.\n\nBye, Craig. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":2.0,"end":2.48,"sentiment":"neutral","sentiment_score":0.17493128776550293},{"text":"Good morning, Craig.","start":2.48,"end":3.1999998,"sentiment":"positive","sentiment_score":0.3571968376636505},{"text":"Larissa, Oakview Financial.","start":3.1999998,"end":4.4,"sentiment":"neutral","sentiment_score":0.26809219519297284},{"text":"How are you going?","start":4.4,"end":5.22,"sentiment":"neutral","sentiment_score":0.2986159324645996},{"text":"Yeah.","start":7.2,"end":7.52,"sentiment":"neutral","sentiment_score":0.29695016145706177}],"sentiment":"neutral","sentiment_score":0.29518435647090274,"num_words":12,"start":2.0,"end":7.52},{"sentences":[{"text":"Good.","start":7.52,"end":8.02,"sentiment":"positive","sentiment_score":0.5029176473617554},{"text":"Thank you.","start":8.16,"end":8.9,"sentiment":"positive","sentiment_score":0.5856130421161652},{"text":"Caden obviously booked your appointment yesterday, and originally it was with Veronica.","start":10.639999,"end":14.74,"sentiment":"neutral","sentiment_score":0.17621606836716333},{"text":"But Veronica note of noticed that you and I spoke last, so I figured we would get on the phone because we had a bit of a detailed conversation, and there was a few things that we had outstanding from our last conversations.","start":14.799999,"end":25.645,"sentiment":"neutral","sentiment_score":0.14685809967476268},{"text":"She she forwarded it to me this morning, so that's absolutely okay.","start":29.02,"end":33.28,"sentiment":"neutral","sentiment_score":-0.033319453398386635}],"sentiment":"neutral","sentiment_score":0.13862573424620286,"num_words":70,"start":7.52,"end":33.28},{"sentences":[{"text":"Yeah.","start":35.739998,"end":36.059998,"sentiment":"neutral","sentiment_score":0.01729547418653965},{"text":"Yeah.","start":36.059998,"end":36.22,"sentiment":"neutral","sentiment_score":0.01604754477739334},{"text":"Well, before I jump into it yeah.","start":36.22,"end":38.94,"sentiment":"neutral","sentiment_score":-0.014476499919380461},{"text":"Sorry.","start":38.94,"end":39.260002,"sentiment":"neutral","sentiment_score":-0.050365641713142395},{"text":"Before I jump into it, I do need to let you know our calls are recorded.","start":39.260002,"end":42.754997,"sentiment":"neutral","sentiment_score":-0.009254077216610312}],"sentiment":"neutral","sentiment_score":-0.010247052217332216,"num_words":26,"start":35.739998,"end":42.754997},{"sentences":[{"text":"And if I could get you confirmed security for me, full name, date of birth, address.","start":42.754997,"end":45.954998,"sentiment":"neutral","sentiment_score":0.03849426528904587},{"text":"Fantastic.","start":45.954998,"end":46.454998,"sentiment":"positive","sentiment_score":0.4020020365715027},{"text":"Yes.","start":54.68,"end":55.0,"sentiment":"neutral","sentiment_score":0.17253129184246063},{"text":"I I have the, yeah, total remuneration package from, like, Rio, which is fantastic.","start":55.0,"end":61.5,"sentiment":"neutral","sentiment_score":0.30045315410409656},{"text":"So you've obviously got cool.","start":62.519997,"end":64.39,"sentiment":"neutral","sentiment_score":0.03917711786925793}],"sentiment":"neutral","sentiment_score":0.1511532789146578,"num_words":37,"start":42.754997,"end":64.39},{"sentences":[{"text":"Hay rise.","start":68.475,"end":69.215004,"sentiment":"neutral","sentiment_score":-0.0622105747461319},{"text":"Yep.","start":69.435,"end":69.935,"sentiment":"neutral","sentiment_score":-0.08214782923460007},{"text":"Yep.","start":82.555,"end":83.055,"sentiment":"neutral","sentiment_score":-0.022265128791332245},{"text":"Yes.","start":86.21,"end":86.61,"sentiment":"neutral","sentiment_score":0.06358944624662399},{"text":"Yeah.","start":86.61,"end":87.01,"sentiment":"neutral","sentiment_score":0.10218451917171478}],"sentiment":"neutral","sentiment_score":-0.010510023683309555,"num_words":6,"start":68.475,"end":87.01},{"sentences":[{"text":"Like, full commute allowance, function allowance, a handover, a superannuation on top, which is perfect.","start":87.01,"end":93.19,"sentiment":"neutral","sentiment_score":0.2744630028804143},{"text":"And then, obviously, you've got your incentive plan attached to that as well.","start":93.97,"end":97.75,"sentiment":"neutral","sentiment_score":0.14804682364830604},{"text":"Yeah.","start":104.505005,"end":105.005005,"sentiment":"neutral","sentiment_score":0.05045203119516373},{"text":"Yes.","start":122.93,"end":123.43,"sentiment":"neutral","sentiment_score":0.07008329033851624},{"text":"You you you can.","start":129.14499,"end":130.425,"sentiment":"neutral","sentiment_score":0.10945580340921879}],"sentiment":"neutral","sentiment_score":0.19411506722955144,"num_words":34,"start":87.01,"end":130.425},{"sentences":[{"text":"So so the short answer is yes.","start":130.425,"end":132.665,"sentiment":"neutral","sentiment_score":0.11916948429175786},{"text":"You can.","start":132.665,"end":133.405,"sentiment":"neutral","sentiment_score":0.161398746073246},{"text":"But the caveat to that is, will it affect my take home?","start":134.345,"end":138.125,"sentiment":"neutral","sentiment_score":-0.21333704919864735},{"text":"Yes.","start":138.185,"end":138.685,"sentiment":"neutral","sentiment_score":-0.09105007350444794},{"text":"Yep.","start":145.36,"end":145.86,"sentiment":"neutral","sentiment_score":0.06172006577253342}],"sentiment":"neutral","sentiment_score":-0.06227785721421242,"num_words":23,"start":130.425,"end":145.86},{"sentences":[{"text":"On your base?","start":159.215,"end":161.315,"sentiment":"neutral","sentiment_score":0.007761920181413491},{"text":"Or or is that or or is that the is that the short term incentive plan?","start":161.61499,"end":166.27,"sentiment":"neutral","sentiment_score":-0.017579890845809132},{"text":"Is that no.","start":166.27,"end":167.23001,"sentiment":"neutral","sentiment_score":-0.19183935225009918},{"text":"That's separate again?","start":167.23001,"end":168.53,"sentiment":"neutral","sentiment_score":-0.14172945419947305},{"text":"Okay.","start":169.71,"end":170.21,"sentiment":"neutral","sentiment_score":0.05051843822002411}],"sentiment":"neutral","sentiment_score":-0.04646847977374609,"num_words":26,"start":159.215,"end":170.21},{"sentences":[{"text":"So you okay.","start":170.27,"end":172.77,"sentiment":"neutral","sentiment_score":0.07292902966340382},{"text":"So the incentive plan is basically, like, if there's no accidents on-site type of thing?","start":173.23001,"end":177.89,"sentiment":"neutral","sentiment_score":0.051106637716293334},{"text":"Yep.","start":180.245,"end":180.745,"sentiment":"neutral","sentiment_score":0.09883573651313782},{"text":"Yep.","start":185.605,"end":186.105,"sentiment":"neutral","sentiment_score":0.049889400601387024},{"text":"Yep.","start":189.845,"end":190.345,"sentiment":"neutral","sentiment_score":0.08144139498472214}],"sentiment":"neutral","sentiment_score":0.057883485087326596,"num_words":21,"start":170.27,"end":190.345},{"sentences":[{"text":"Okay.","start":192.805,"end":193.305,"sentiment":"neutral","sentiment_score":0.0405324324965477},{"text":"Yep.","start":197.8,"end":198.3,"sentiment":"neutral","sentiment_score":0.06565487384796143},{"text":"Yeah.","start":199.96,"end":200.36,"sentiment":"neutral","sentiment_score":0.09988866001367568},{"text":"And this year, it's it's well, yeah.","start":200.36,"end":203.0,"sentiment":"neutral","sentiment_score":0.10577345107282911},{"text":"It's $11.11 $6.79 according to the letter, plus super paid on it.","start":203.0,"end":208.93501,"sentiment":"neutral","sentiment_score":0.10874548554420471}],"sentiment":"neutral","sentiment_score":0.10233799774538387,"num_words":22,"start":192.805,"end":208.93501},{"sentences":[{"text":"Yeah.","start":215.79501,"end":216.29501,"sentiment":"neutral","sentiment_score":0.07463230192661285},{"text":"No.","start":216.43501,"end":216.675,"sentiment":"neutral","sentiment_score":0.015649110078811646},{"text":"That's that's absolutely easy.","start":216.675,"end":218.21501,"sentiment":"neutral","sentiment_score":0.25906042009592056},{"text":"So I I guess there's a there's a there's a a couple of points on it.","start":219.26,"end":222.21999,"sentiment":"neutral","sentiment_score":-0.01127454053494148},{"text":"Because, obviously, like, the 200,000 is what the the total remuneration benefit is, which does include the super the two super components that they outlined, which combining the two of those means you're sort of on 15 let's just call it 15.5 to keep it roundish, which you could put up to $30 into the fund within a year before triggering things We're 30 two and a half now.","start":222.21999,"end":250.45,"sentiment":"neutral","sentiment_score":0.12022875216992004}],"sentiment":"neutral","sentiment_score":0.10155949828081898,"num_words":91,"start":215.79501,"end":250.45},{"sentences":[{"text":"Yes.","start":256.75,"end":257.25,"sentiment":"neutral","sentiment_score":-0.1435757577419281},{"text":"Something happens?","start":269.88498,"end":270.785,"sentiment":"neutral","sentiment_score":-0.25551721453666687},{"text":"Yeah.","start":273.37,"end":273.87,"sentiment":"neutral","sentiment_score":-0.28630736470222473},{"text":"Yep.","start":277.37,"end":277.87,"sentiment":"neutral","sentiment_score":0.031822025775909424},{"text":"Well, did you did you get my email after we spoke that breaks down your insurance and a few of the options?","start":283.995,"end":290.715,"sentiment":"neutral","sentiment_score":0.038711638443849304}],"sentiment":"neutral","sentiment_score":-0.002127388147292314,"num_words":27,"start":256.75,"end":290.715},{"sentences":[{"text":"Would like, do you need me to send it again?","start":290.715,"end":292.495,"sentiment":"neutral","sentiment_score":0.002648535929620266},{"text":"Yeah.","start":303.21,"end":303.71,"sentiment":"neutral","sentiment_score":0.07435019314289093},{"text":"Yeah.","start":307.44998,"end":307.77,"sentiment":"neutral","sentiment_score":0.07593754678964615},{"text":"Let let me let me send it to you again because I I, I grabbed it this morning so I could bring it up and remind myself about all the sections, I guess.","start":307.77,"end":318.285,"sentiment":"neutral","sentiment_score":0.1273729069666429},{"text":"So I've just pressed send on that again, so you should have that in a hot second.","start":319.865,"end":325.245,"sentiment":"neutral","sentiment_score":0.1422908586614272}],"sentiment":"neutral","sentiment_score":0.10966167139310029,"num_words":62,"start":290.715,"end":325.245},{"sentences":[{"text":"And then, yeah, I guess, like, with the with the contributions, the I I just sent it from mine.","start":326.82,"end":337.24,"sentiment":"neutral","sentiment_score":0.00030748104970706135},{"text":"So you'll have it from me right now.","start":337.86002,"end":340.185,"sentiment":"neutral","sentiment_score":-0.029009205172769725},{"text":"Have I gone to your spam?","start":350.985,"end":352.26498,"sentiment":"neutral","sentiment_score":-0.24422506739695868},{"text":"That's sad.","start":352.26498,"end":352.89,"sentiment":"negative","sentiment_score":-0.4447900652885437},{"text":"But we see I guess oh, I know.","start":358.97,"end":366.83002,"sentiment":"neutral","sentiment_score":-0.18064748391043395}],"sentiment":"neutral","sentiment_score":-0.09363585831814034,"num_words":43,"start":326.82,"end":366.83002},{"sentences":[{"text":"Yeah.","start":369.035,"end":369.435,"sentiment":"neutral","sentiment_score":0.08543874323368073},{"text":"Just make it all the same.","start":369.435,"end":370.815,"sentiment":"neutral","sentiment_score":0.12610998625556627},{"text":"I guess with with this, like, salary sacrificing, what amount of money would you be willing to forego each month?","start":373.595,"end":382.68,"sentiment":"neutral","sentiment_score":-0.15019340869039297},{"text":"I'm assuming, like, generally, mine sites pay monthly.","start":383.56,"end":385.97998,"sentiment":"neutral","sentiment_score":-0.03121775481849909},{"text":"32 and a 0.5.","start":391.24,"end":392.53998,"sentiment":"neutral","sentiment_score":0.3293755007907748}],"sentiment":"neutral","sentiment_score":-0.0280515268827096,"num_words":39,"start":369.035,"end":392.53998},{"sentences":[{"text":"Yeah.","start":392.91998,"end":393.41998,"sentiment":"neutral","sentiment_score":0.05333063378930092},{"text":"On top of what you're already paying?","start":397.245,"end":399.005,"sentiment":"neutral","sentiment_score":0.021472850016185215},{"text":"Because, like, let's just so it's 15 it's, like, $15.05.","start":399.005,"end":403.185,"sentiment":"neutral","sentiment_score":0.039687962457537654},{"text":"1,416 and change is what you could pop in for the year, and it's inclusive of what your employer already pays.","start":409.245,"end":422.82,"sentiment":"neutral","sentiment_score":0.04962158433738209},{"text":"We like, if you wanted to put more in, we definitely can because we can look backwards on, like, previous years to pull money from previous years' contributions.","start":423.12,"end":437.155,"sentiment":"neutral","sentiment_score":0.0918823652235525}],"sentiment":"neutral","sentiment_score":0.06291462247496221,"num_words":67,"start":392.91998,"end":437.155},{"sentences":[{"text":"So caps that you haven't previously used, we could utilize those cap spaces.","start":439.215,"end":445.43,"sentiment":"neutral","sentiment_score":0.060265686362981796},{"text":"Yeah.","start":447.16998,"end":447.66998,"sentiment":"neutral","sentiment_score":0.05778177082538605},{"text":"Not as long as you want.","start":452.05,"end":453.00998,"sentiment":"neutral","sentiment_score":-0.10258539021015167},{"text":"There's only five yeah.","start":453.00998,"end":453.97,"sentiment":"neutral","sentiment_score":-0.07029829733073711},{"text":"Five yeah.","start":453.97,"end":454.44998,"sentiment":"neutral","sentiment_score":-0.018863429315388203}],"sentiment":"neutral","sentiment_score":-0.003584488295018673,"num_words":26,"start":439.215,"end":454.44998},{"sentences":[{"text":"Correct.","start":454.44998,"end":454.77,"sentiment":"neutral","sentiment_score":0.011126555502414703},{"text":"Yeah.","start":454.77,"end":454.93,"sentiment":"neutral","sentiment_score":-0.014844502322375774},{"text":"Five years.","start":454.93,"end":455.355,"sentiment":"neutral","sentiment_score":-0.09988818317651749},{"text":"Years.","start":466.315,"end":466.715,"sentiment":"neutral","sentiment_score":-0.13734054565429688},{"text":"Forego or lose.","start":466.715,"end":468.075,"sentiment":"neutral","sentiment_score":-0.2579627682765325}],"sentiment":"neutral","sentiment_score":-0.1393403954571113,"num_words":8,"start":454.44998,"end":468.075},{"sentences":[{"text":"Yeah.","start":468.075,"end":468.575,"sentiment":"neutral","sentiment_score":0.00474441796541214},{"text":"Because you you won't feel the same effect.","start":468.715,"end":471.295,"sentiment":"neutral","sentiment_score":-0.03421123791486025},{"text":"So with with your take home, obviously, you get taxed at your marginal rate.","start":472.53,"end":476.84998,"sentiment":"neutral","sentiment_score":-0.006750643652464662},{"text":"So if you say put a $100 into your fund well, let's just say well, let's just say we put $10 into your fund across the year in addition to what your employer puts in.","start":476.84998,"end":485.65,"sentiment":"neutral","sentiment_score":0.0885276871068137},{"text":"Let's ignore the employer.","start":485.65,"end":486.61,"sentiment":"neutral","sentiment_score":-0.07387403585016727}],"sentiment":"neutral","sentiment_score":0.03934707111048122,"num_words":62,"start":468.075,"end":486.61},{"sentences":[{"text":"It's just $10 comes out of your take home, it goes into your fund.","start":486.61,"end":490.14502,"sentiment":"neutral","sentiment_score":0.05855435013238873},{"text":"Rather than be taxed on 47%, which means that you would only be getting, you know, roughly $5 of that in pocket, the super fund gets 10% and only is only taxed at 15% rather than 47.","start":490.14502,"end":502.405,"sentiment":"neutral","sentiment_score":0.05850868558234258},{"text":"So you basically cut the government out of, you know, a good decent 30% tax, nearly.","start":502.63,"end":510.01,"sentiment":"positive","sentiment_score":0.45799650251865387},{"text":"Yeah.","start":525.23505,"end":525.635,"sentiment":"neutral","sentiment_score":0.047582268714904785},{"text":"And I can I can work out the numbers so long as I know what parameters you wanna set as a hard line?","start":525.635,"end":532.22003,"sentiment":"neutral","sentiment_score":-0.053502847966940506}],"sentiment":"neutral","sentiment_score":0.10032464916674563,"num_words":91,"start":486.61,"end":532.22003},{"sentences":[{"text":"As in, no.","start":532.52,"end":533.4,"sentiment":"neutral","sentiment_score":-0.09057215352853139},{"text":"I I need x amount of money to live each pay cycle.","start":533.4,"end":537.5,"sentiment":"neutral","sentiment_score":-0.08914053067564964},{"text":"9,000 a month?","start":545.095,"end":546.295,"sentiment":"neutral","sentiment_score":-0.018222562968730927},{"text":"Okay.","start":546.295,"end":546.795,"sentiment":"neutral","sentiment_score":-0.0010003512725234032},{"text":"I can.","start":549.815,"end":550.535,"sentiment":"neutral","sentiment_score":0.0036528054624795914}],"sentiment":"neutral","sentiment_score":-0.06617929799748319,"num_words":21,"start":532.52,"end":550.535},{"sentences":[{"text":"Just give me one second, and I will go quiet so I can mess.","start":550.535,"end":554.15497,"sentiment":"neutral","sentiment_score":-0.02807604388466903},{"text":"Oh, chat chat g p t is really bad at math, let me tell you.","start":558.0,"end":561.92,"sentiment":"neutral","sentiment_score":-0.13078229377667108},{"text":"It's actually really, really bad at math.","start":561.92,"end":564.5,"sentiment":"neutral","sentiment_score":-0.22294069613729203},{"text":"It's a fantastic tool sometimes, but, honestly, it's actually not a great mathematician.","start":564.8,"end":571.3,"sentiment":"neutral","sentiment_score":0.06244754925137386},{"text":"Yeah.","start":577.975,"end":578.475,"sentiment":"neutral","sentiment_score":0.03581198304891586}],"sentiment":"neutral","sentiment_score":-0.06135507541359402,"num_words":50,"start":550.535,"end":578.475},{"sentences":[{"text":"Okay.","start":580.055,"end":580.375,"sentiment":"neutral","sentiment_score":0.04932315647602081},{"text":"So that's base.","start":580.375,"end":582.635,"sentiment":"neutral","sentiment_score":0.06631799911459287},{"text":"I'm just working out what your actual income is because the letter obviously includes your super, which that's not that's not salary.","start":582.935,"end":591.45,"sentiment":"neutral","sentiment_score":0.028169243681159886},{"text":"You don't get taxed on that to the same degree.","start":591.59,"end":595.53,"sentiment":"neutral","sentiment_score":-0.031802916713058946},{"text":"So if it was the sum of all of these figures Okay.","start":596.55005,"end":602.415,"sentiment":"neutral","sentiment_score":-0.01896950447311004}],"sentiment":"neutral","sentiment_score":0.006715360291612645,"num_words":48,"start":580.055,"end":602.415},{"sentences":[{"text":"So your actual salary is, as in what you get paid and taxed at a marginal rate on, is a $188,184.10 based on the base, the commute allowance, the function, the handover, and the STIP.","start":602.415,"end":618.53,"sentiment":"neutral","sentiment_score":0.03485288731753826},{"text":"Which you said you said that you're currently sorry.","start":621.95,"end":625.17,"sentiment":"neutral","sentiment_score":-0.056139794695708484},{"text":"190.","start":631.885,"end":632.945,"sentiment":"neutral","sentiment_score":-0.016664845868945122},{"text":"However, if yeah.","start":633.405,"end":635.48505,"sentiment":"neutral","sentiment_score":-0.0035304675499598184},{"text":"So a 190 is where you hit the highest tax 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year.","start":668.94,"end":676.755,"sentiment":"neutral","sentiment_score":-0.05661596174884055}],"sentiment":"neutral","sentiment_score":-0.04724056304742893,"num_words":39,"start":658.865,"end":676.755},{"sentences":[{"text":"So divide that twelve.","start":678.275,"end":679.975,"sentiment":"neutral","sentiment_score":0.10440199263393879},{"text":"And then and let's just say you do it for another month, that'll that if you do that for one more month in this financial year, it'll push you over the one ninety.","start":680.03503,"end":690.355,"sentiment":"neutral","sentiment_score":0.07562945467053038},{"text":"Just it'll push you over the one ninety.","start":690.355,"end":692.5,"sentiment":"neutral","sentiment_score":0.08453472703695297},{"text":"Because each month that you do that job, you will basically, you're walking home with nearly a well, you're getting nearly a thousand dollars in taxable income, which your $2 from the the the highest tax bracket is where you're basically at.","start":692.87994,"end":711.625,"sentiment":"neutral","sentiment_score":0.0023851727712012475},{"text":"Yeah.","start":711.625,"end":712.125,"sentiment":"neutral","sentiment_score":0.1813265830278397}],"sentiment":"neutral","sentiment_score":0.04399047307246788,"num_words":88,"start":678.275,"end":712.125},{"sentences":[{"text":"So there's one of two ways that we could plan this.","start":712.98505,"end":715.945,"sentiment":"neutral","sentiment_score":0.19695204496383667},{"text":"We can salary sacrifice, which is dollar cost averaging, putting money in regularly into the super fund, which long term does work out better.","start":715.945,"end":724.87,"sentiment":"neutral","sentiment_score":0.22127640061080456},{"text":"And then we just have to know exactly what you do or don't want to live without each each pay cycle, Or we get to basically June June May June.","start":726.29,"end":737.225,"sentiment":"neutral","sentiment_score":0.017775416901956},{"text":"I don't never like saying too far into June, but end of May, really.","start":737.285,"end":740.745,"sentiment":"neutral","sentiment_score":0.005545300431549549},{"text":"And we look at what your payslip was.","start":741.045,"end":743.065,"sentiment":"neutral","sentiment_score":0.05082428129389882}],"sentiment":"neutral","sentiment_score":0.09763904681279399,"num_words":87,"start":712.98505,"end":743.065},{"sentences":[{"text":"We can basically average out based on what you've earned, what you would earn for the rest of the financial year.","start":743.125,"end":748.94,"sentiment":"neutral","sentiment_score":0.058942221637283056},{"text":"And then we go, cool.","start":749.0,"end":750.12006,"sentiment":"neutral","sentiment_score":0.08064139857888222},{"text":"We need to forego x amount of money to make it the most tax effective.","start":750.12006,"end":753.98004,"sentiment":"neutral","sentiment_score":-0.01365322048465411},{"text":"Less yeah.","start":755.48004,"end":758.44,"sentiment":"neutral","sentiment_score":-0.006264923140406609},{"text":"You could do it in a lump sum.","start":758.44,"end":759.56006,"sentiment":"neutral","sentiment_score":0.039488593116402626}],"sentiment":"neutral","sentiment_score":0.034109298797214735,"num_words":51,"start":743.125,"end":759.56006},{"sentences":[{"text":"Absolutely.","start":759.56006,"end":760.06006,"sentiment":"neutral","sentiment_score":0.0892946869134903},{"text":"But you have to have the cash available to do that, and it is less effective from a compounding interest in the fund methods.","start":760.715,"end":768.895,"sentiment":"neutral","sentiment_score":-0.24169547840331992},{"text":"Yep.","start":773.1,"end":773.6,"sentiment":"neutral","sentiment_score":-0.0011582759907469151},{"text":"But if we just go off your base, so it's a $1.88, $1.84, and 40 and 10¢, what that basically means is for this financial year, your annual take home is about a $133,722, or monthly, that's $11,141, ignoring the increase of role that you are currently doing.","start":775.42,"end":805.29,"sentiment":"neutral","sentiment_score":-0.04095955383270345},{"text":"Understood.","start":816.085,"end":816.585,"sentiment":"neutral","sentiment_score":-0.1457570642232895}],"sentiment":"neutral","sentiment_score":-0.10518123196104441,"num_words":75,"start":759.56006,"end":816.585},{"sentences":[{"text":"Ongoing.","start":819.605,"end":820.105,"sentiment":"neutral","sentiment_score":-0.20587190985679624},{"text":"Take that out.","start":821.205,"end":822.005,"sentiment":"neutral","sentiment_score":-0.08161464581886928},{"text":"Absolutely.","start":822.005,"end":822.505,"sentiment":"neutral","sentiment_score":0.14468558132648468},{"text":"As an ad hoc bonus that you can yep.","start":824.085,"end":826.41,"sentiment":"neutral","sentiment_score":0.10882990641726388},{"text":"Absolutely.","start":826.64996,"end":827.12994,"sentiment":"positive","sentiment_score":0.3336717486381531}],"sentiment":"neutral","sentiment_score":0.06714070936044057,"num_words":15,"start":819.605,"end":827.12994},{"sentences":[{"text":"Cool.","start":827.12994,"end":827.62994,"sentiment":"neutral","sentiment_score":0.22966107726097107},{"text":"Alright.","start":827.76996,"end":828.26996,"sentiment":"neutral","sentiment_score":0.1594301462173462},{"text":"So that changes so your gross salary, ignoring the FIP, is $1.07 $6.05 $0.04, which monthly is $10.05 44.","start":828.32996,"end":842.525,"sentiment":"neutral","sentiment_score":0.052872304265436376},{"text":"Cool.","start":845.385,"end":845.885,"sentiment":"neutral","sentiment_score":0.17763924598693848},{"text":"And 67¢.","start":846.505,"end":847.80505,"sentiment":"neutral","sentiment_score":0.0657038688659668}],"sentiment":"neutral","sentiment_score":0.07117426605976146,"num_words":24,"start":827.12994,"end":847.80505},{"sentences":[{"text":"So yep.","start":848.66504,"end":852.75,"sentiment":"neutral","sentiment_score":-0.07705460861325264},{"text":"But it it can, yeah, it can change.","start":857.15,"end":859.55,"sentiment":"neutral","sentiment_score":0.19096155650913715},{"text":"It's not a guaranteed 10%.","start":859.55,"end":861.31,"sentiment":"neutral","sentiment_score":-0.027864286303520204},{"text":"It's a if the company does really well, we'll pay you x amount of percentage on the earnings that we've earned and or however they kind of calculate it.","start":861.31,"end":870.22504,"sentiment":"neutral","sentiment_score":0.10080986039648795},{"text":"Yeah.","start":870.22504,"end":870.54504,"sentiment":"neutral","sentiment_score":0.0819980651140213}],"sentiment":"neutral","sentiment_score":0.09421657377647029,"num_words":45,"start":848.66504,"end":870.54504},{"sentences":[{"text":"No.","start":870.54504,"end":870.86505,"sentiment":"neutral","sentiment_score":0.025902900844812393},{"text":"I have plenty of clients that have that.","start":870.86505,"end":872.465,"sentiment":"neutral","sentiment_score":0.12470094114542007},{"text":"It's a the bonus calculated at a specific time of of the year.","start":872.465,"end":875.765,"sentiment":"neutral","sentiment_score":0.11408304938903222},{"text":"Okay.","start":876.145,"end":876.54504,"sentiment":"neutral","sentiment_score":0.10324571281671524},{"text":"So, realistically, we have about $1,500 that we can play with out of your out of your gross out of your net income.","start":876.54504,"end":885.13,"sentiment":"neutral","sentiment_score":0.12531756447709125}],"sentiment":"neutral","sentiment_score":0.11939434277946534,"num_words":46,"start":870.54504,"end":885.13},{"sentences":[{"text":"It's just a matter of me working out what that looks like gross, so without the tax implication on it, which I can do.","start":886.07,"end":894.895,"sentiment":"neutral","sentiment_score":0.15409155624608198},{"text":"It's not generally something I do on the phone with someone, but I can do it and then email it to you if they have it in writing, and I can give a few options and how that affects you tax wise broken down.","start":894.895,"end":903.475,"sentiment":"neutral","sentiment_score":0.21262693523683332},{"text":"So that way you can see if I do this, this is the tax implications, and this is how much tax I would it I, you know, I would save.","start":903.615,"end":910.23,"sentiment":"positive","sentiment_score":0.4341925581296285},{"text":"And I can show you because, obviously, any money you put in yeah.","start":911.11,"end":915.67,"sentiment":"neutral","sentiment_score":0.0908284683067065},{"text":"Sorry.","start":915.67,"end":916.17,"sentiment":"neutral","sentiment_score":-0.1044728010892868}],"sentiment":"neutral","sentiment_score":0.2424630047420838,"num_words":112,"start":886.07,"end":916.17},{"sentences":[{"text":"Yeah.","start":920.31,"end":920.81,"sentiment":"neutral","sentiment_score":-0.10290002822875977},{"text":"I mean, I still kind of want to make some changes to your insurance policy if you're amenable to it.","start":928.385,"end":934.965,"sentiment":"neutral","sentiment_score":-0.09862453192472458},{"text":"Yeah.","start":950.07996,"end":950.57996,"sentiment":"neutral","sentiment_score":-0.02383860945701599},{"text":"Yeah.","start":958.625,"end":959.125,"sentiment":"neutral","sentiment_score":-0.08597563207149506},{"text":"No.","start":968.48004,"end":968.98004,"sentiment":"negative","sentiment_score":-0.3924958705902099}],"sentiment":"neutral","sentiment_score":-0.10740419911841552,"num_words":24,"start":920.31,"end":968.98004},{"sentences":[{"text":"Drop it.","start":975.44,"end":976.26,"sentiment":"neutral","sentiment_score":-0.09628473967313766},{"text":"Yeah.","start":977.68,"end":978.18,"sentiment":"neutral","sentiment_score":0.33307918906211853},{"text":"Yeah.","start":981.195,"end":981.695,"sentiment":"neutral","sentiment_score":0.07952364534139633},{"text":"But it it it just gives you that it gives you that reassurance of yeah.","start":982.395,"end":989.055,"sentiment":"neutral","sentiment_score":0.19533177167177201},{"text":"Well, the quotes are all there.","start":989.675,"end":991.275,"sentiment":"neutral","sentiment_score":0.10201707482337952}],"sentiment":"neutral","sentiment_score":0.15048449516296386,"num_words":25,"start":975.44,"end":991.275},{"sentences":[{"text":"Like, I I did up, yeah, quite a number of quotes just to show you where if what changes we make, how it kind of affects.","start":991.275,"end":1000.44995,"sentiment":"neutral","sentiment_score":0.13496941328048706},{"text":"And you can see, like, it it it drops it quite a bit.","start":1000.44995,"end":1003.11,"sentiment":"neutral","sentiment_score":0.05722730291577486},{"text":"So that gives you a bit of sort of an idea on that front.","start":1005.17,"end":1008.825,"sentiment":"neutral","sentiment_score":0.14804818002241},{"text":"Because currently, you you've you've got nearly 1.6.","start":1009.22504,"end":1011.885,"sentiment":"neutral","sentiment_score":0.02853358321590349},{"text":"So, like, you know, if we cut it in half, it it drops it quite a bit if we, you know, stepped it from there.","start":1012.745,"end":1017.565,"sentiment":"neutral","sentiment_score":-0.003945371508598328}],"sentiment":"neutral","sentiment_score":0.07506358815725286,"num_words":86,"start":991.275,"end":1017.565},{"sentences":[{"text":"You can see.","start":1017.625,"end":1018.445,"sentiment":"neutral","sentiment_score":0.016964082295695942},{"text":"Yep.","start":1026.81,"end":1027.31,"sentiment":"neutral","sentiment_score":-0.02717854455113411},{"text":"Yeah.","start":1037.575,"end":1037.735,"sentiment":"neutral","sentiment_score":-0.00549706257879734},{"text":"We I can look at a one year wait.","start":1037.735,"end":1040.5549,"sentiment":"neutral","sentiment_score":-0.020656247933705647},{"text":"Yep.","start":1041.255,"end":1041.755,"sentiment":"neutral","sentiment_score":-0.012023497372865675}],"sentiment":"neutral","sentiment_score":-0.011980872601270676,"num_words":15,"start":1017.625,"end":1041.755},{"sentences":[{"text":"Yep.","start":1043.975,"end":1044.475,"sentiment":"neutral","sentiment_score":0.014875615946948528},{"text":"Yep.","start":1053.27,"end":1053.77,"sentiment":"neutral","sentiment_score":0.08256912231445312},{"text":"Yep.","start":1071.8551,"end":1072.3551,"sentiment":"neutral","sentiment_score":-0.020189106464385983},{"text":"Okay.","start":1072.8151,"end":1073.3151,"sentiment":"neutral","sentiment_score":0.0021725641563534737},{"text":"On Yep.","start":1076.8151,"end":1079.16,"sentiment":"neutral","sentiment_score":-0.054320354014635086}],"sentiment":"neutral","sentiment_score":-0.004868752012650172,"num_words":6,"start":1043.975,"end":1079.16},{"sentences":[{"text":"Yes.","start":1080.8401,"end":1081.3401,"sentiment":"neutral","sentiment_score":0.0022455211728811264},{"text":"And it's full.","start":1084.68,"end":1086.86,"sentiment":"neutral","sentiment_score":-0.07828110083937645},{"text":"Okay.","start":1089.64,"end":1090.14,"sentiment":"neutral","sentiment_score":-0.03635421022772789},{"text":"Yeah.","start":1098.2151,"end":1098.7151,"sentiment":"neutral","sentiment_score":-0.04214194416999817},{"text":"Yes.","start":1105.655,"end":1105.98,"sentiment":"neutral","sentiment_score":0.04327810928225517}],"sentiment":"neutral","sentiment_score":-0.03825940378010273,"num_words":7,"start":1080.8401,"end":1105.98},{"sentences":[{"text":"But now that's twelve, essentially.","start":1106.54,"end":1109.6799,"sentiment":"neutral","sentiment_score":0.009899480454623698},{"text":"Okay.","start":1110.54,"end":1111.04,"sentiment":"neutral","sentiment_score":0.11164367198944092},{"text":"Yes.","start":1111.34,"end":1111.82,"sentiment":"neutral","sentiment_score":0.12963782250881195},{"text":"Let me I I mean, I have to go back to the insurer and and check the twelve months, but I can definitely do that.","start":1111.82,"end":1118.54,"sentiment":"neutral","sentiment_score":0.13792767107486725},{"text":"I'll send them an email straight off the back of this phone call.","start":1118.54,"end":1121.355,"sentiment":"neutral","sentiment_score":0.10650432310425319}],"sentiment":"neutral","sentiment_score":0.11385615275551876,"num_words":45,"start":1106.54,"end":1121.355},{"sentences":[{"text":"I could do all the, sales tax calculations today.","start":1121.355,"end":1124.9751,"sentiment":"neutral","sentiment_score":-0.02673161795569791},{"text":"No.","start":1125.115,"end":1125.435,"sentiment":"neutral","sentiment_score":-0.2919027805328369},{"text":"Don't.","start":1125.435,"end":1125.935,"sentiment":"neutral","sentiment_score":-0.2936520278453827},{"text":"No.","start":1126.795,"end":1127.1951,"sentiment":"neutral","sentiment_score":-0.2025304138660431},{"text":"That's okay.","start":1127.1951,"end":1127.935,"sentiment":"neutral","sentiment_score":-0.09896054118871689}],"sentiment":"neutral","sentiment_score":-0.08761363330164126,"num_words":14,"start":1121.355,"end":1127.935},{"sentences":[{"text":"We make the changes.","start":1129.755,"end":1130.795,"sentiment":"neutral","sentiment_score":-0.09685499221086502},{"text":"Yeah.","start":1130.795,"end":1131.1951,"sentiment":"neutral","sentiment_score":0.03316473960876465},{"text":"Well, I can, I can do all the salary continuance sorry?","start":1131.1951,"end":1136.72,"sentiment":"neutral","sentiment_score":0.09872264550490813},{"text":"Sales calculations, tax implications, and all that, and I can lay it out for you just so you can see like, I'll do basically what your what your what tax you pay now, both your superannuation rate and your marginal rate.","start":1137.02,"end":1150.845,"sentiment":"neutral","sentiment_score":0.1412204833837544},{"text":"And then I'll show you, you know, if we go the basically full 1,500 a month into your super fund, what that looks like and how that'll kind of trigger things.","start":1151.225,"end":1161.8049,"sentiment":"neutral","sentiment_score":0.08011089181227068}],"sentiment":"neutral","sentiment_score":0.10233149245720018,"num_words":88,"start":1129.755,"end":1161.8049},{"sentences":[{"text":"My only question is just because I do need to do my due diligence, because if we put 1,500 in, we are going to exceed the cap for the year, which, again, I'm not actually that concerned about because I know you do have room, but I wanna know how much room.","start":1162.08,"end":1178.035,"sentiment":"neutral","sentiment_score":-0.1469984597598131},{"text":"Are you do you have access to myGov and the ATO?","start":1178.655,"end":1182.755,"sentiment":"neutral","sentiment_score":0.046060999347405},{"text":"Do you think you can log in?","start":1185.295,"end":1186.8151,"sentiment":"neutral","sentiment_score":0.024372433445283344},{"text":"And what I'll do is I can talk you through how to access what I want you to access, and if you can take a screenshot and email it to me.","start":1186.8151,"end":1194.05,"sentiment":"neutral","sentiment_score":0.05740916260307835},{"text":"No.","start":1198.67,"end":1198.91,"sentiment":"neutral","sentiment_score":-0.2805355489253998}],"sentiment":"neutral","sentiment_score":-0.05360287636080209,"num_words":102,"start":1162.08,"end":1198.91},{"sentences":[{"text":"You're you're okay.","start":1198.91,"end":1199.89,"sentiment":"neutral","sentiment_score":-0.19614889721075693},{"text":"Just let me know when you're actually signed in.","start":1209.165,"end":1211.485,"sentiment":"neutral","sentiment_score":-0.1635543555021286},{"text":"That's painful as sign in processes.","start":1211.485,"end":1213.265,"sentiment":"negative","sentiment_score":-0.73115473985672},{"text":"Yeah.","start":1261.625,"end":1262.025,"sentiment":"neutral","sentiment_score":-0.2783253788948059},{"text":"They don't make it easy.","start":1262.025,"end":1263.3251,"sentiment":"negative","sentiment_score":-0.3556459069252014}],"sentiment":"negative","sentiment_score":-0.35432996849219006,"num_words":24,"start":1198.91,"end":1263.3251},{"sentences":[{"text":"Perfect.","start":1312.445,"end":1312.945,"sentiment":"positive","sentiment_score":0.4762936234474182},{"text":"So if you're in myGov, all you need to do is go down to the, like, the linked ATO service, and that'll take you through the ATO site.","start":1313.1649,"end":1322.01,"sentiment":"neutral","sentiment_score":0.1859835269195693},{"text":"Now once you're on the ATO site, there is a menu button.","start":1322.55,"end":1326.3301,"sentiment":"neutral","sentiment_score":0.05302417557686567},{"text":"In the menu button, go to super and then information and then carry forward concessional contributions.","start":1326.39,"end":1340.5851,"sentiment":"neutral","sentiment_score":0.016520702512934804},{"text":"You'll be are you on a computer or a phone or an iPad?","start":1357.565,"end":1360.385,"sentiment":"neutral","sentiment_score":-0.01967960323851842}],"sentiment":"neutral","sentiment_score":0.09040884117462805,"num_words":70,"start":1312.445,"end":1360.385},{"sentences":[{"text":"Cool.","start":1361.645,"end":1362.125,"sentiment":"neutral","sentiment_score":0.11757922172546388},{"text":"There'll be a bar at the top, and it'll say super.","start":1362.125,"end":1365.885,"sentiment":"neutral","sentiment_score":0.08162058415738019},{"text":"If you click on or hover over that super button, it'll provide a drop down information, hover over that, and then carry forward concessional contributions.","start":1365.885,"end":1374.33,"sentiment":"neutral","sentiment_score":0.061961065232753756},{"text":"It's how I navigated this site a couple of times.","start":1378.87,"end":1381.21,"sentiment":"neutral","sentiment_score":0.007351161353290081},{"text":"That'll bring you up to a page.","start":1384.07,"end":1385.27,"sentiment":"neutral","sentiment_score":0.046788111329078674}],"sentiment":"neutral","sentiment_score":0.05491593835392484,"num_words":54,"start":1361.645,"end":1385.27},{"sentences":[{"text":"It says carry forward concessional contributions, blah blah blah blah blah.","start":1385.27,"end":1388.945,"sentiment":"neutral","sentiment_score":1.5540387142788281e-6},{"text":"It'll have a total amount.","start":1389.085,"end":1390.285,"sentiment":"neutral","sentiment_score":0.0453018993139267},{"text":"If you click on the drop down, so it'll say, like, show more details, which you can click on.","start":1390.285,"end":1395.965,"sentiment":"neutral","sentiment_score":0.04628066816612294},{"text":"It gives you a breakdown of each financial years, what you made as a contribution, and what you have as an unused concessional contribution cap.","start":1395.965,"end":1404.8301,"sentiment":"neutral","sentiment_score":0.05119422912597656},{"text":"If you're able to print screen that, if you're on a computer, you should just be able to go to the top right corner and go print the PDF.","start":1404.89,"end":1412.8301,"sentiment":"neutral","sentiment_score":0.07531834926841588}],"sentiment":"neutral","sentiment_score":0.0513477207088236,"num_words":89,"start":1385.27,"end":1412.8301},{"sentences":[{"text":"Yep.","start":1413.29,"end":1413.77,"sentiment":"neutral","sentiment_score":0.19827544689178467},{"text":"And send that to me.","start":1413.77,"end":1415.945,"sentiment":"neutral","sentiment_score":0.2216847062110901},{"text":"That'll just give me yep.","start":1416.565,"end":1423.365,"sentiment":"neutral","sentiment_score":0.2600326508283615},{"text":"Sniff it.","start":1423.365,"end":1423.765,"sentiment":"positive","sentiment_score":0.36268647015094757},{"text":"That works too.","start":1423.765,"end":1424.645,"sentiment":"positive","sentiment_score":0.4899890919526418}],"sentiment":"neutral","sentiment_score":0.30013765301555395,"num_words":16,"start":1413.29,"end":1424.645},{"sentences":[{"text":"Absolutely.","start":1424.645,"end":1425.145,"sentiment":"positive","sentiment_score":0.5555482506752014},{"text":"Yeah.","start":1426.565,"end":1426.8049,"sentiment":"neutral","sentiment_score":0.3107510209083557},{"text":"And so long as I have each of the breakdowns, that'll give me everything I need, and I can just make sure that we're obviously I'm covering myself off and making sure that I'm you know, we're not gonna breach anything.","start":1426.8049,"end":1438.4501,"sentiment":"neutral","sentiment_score":0.20000211313003446},{"text":"We're not gonna incur 49% tax in your super fund.","start":1438.4501,"end":1442.9501,"sentiment":"neutral","sentiment_score":0.015022239089012146},{"text":"Because if we breach if we breach all of these caps, that's what we're gonna end up doing.","start":1443.855,"end":1447.795,"sentiment":"neutral","sentiment_score":-0.03853140792085065}],"sentiment":"neutral","sentiment_score":0.12004285856661662,"num_words":71,"start":1424.645,"end":1447.795},{"sentences":[{"text":"This will Incur.","start":1448.255,"end":1449.295,"sentiment":"neutral","sentiment_score":-0.0344184140364329},{"text":"Incur a higher tax rate.","start":1449.6951,"end":1451.075,"sentiment":"neutral","sentiment_score":-0.05522108748555184},{"text":"Yep.","start":1453.375,"end":1453.875,"sentiment":"neutral","sentiment_score":0.11186184734106064},{"text":"Yeah.","start":1459.3401,"end":1459.8401,"sentiment":"neutral","sentiment_score":0.1667327880859375},{"text":"And it just it it allows me to kinda track how much we'll use ongoing if we do this long term, how much of each cap we'll use and give us benefits that way?","start":1460.4601,"end":1472.065,"sentiment":"neutral","sentiment_score":0.23351886999957702}],"sentiment":"neutral","sentiment_score":0.17815626217898997,"num_words":44,"start":1448.255,"end":1472.065},{"sentences":[{"text":"My email?","start":1477.1649,"end":1477.9049,"sentiment":"neutral","sentiment_score":0.042577970772981644},{"text":"That's absolutely fine.","start":1500.6449,"end":1502.2649,"sentiment":"positive","sentiment_score":0.36543915669123334},{"text":"The best email is the most concise and informal.","start":1503.125,"end":1505.945,"sentiment":"positive","sentiment_score":0.4685113661819034},{"text":"Perfect.","start":1510.8201,"end":1511.3201,"sentiment":"positive","sentiment_score":0.6251752376556396},{"text":"And that has come through.","start":1511.7001,"end":1513.3201,"sentiment":"positive","sentiment_score":0.46839429140090943}],"sentiment":"positive","sentiment_score":0.41826112009584904,"num_words":20,"start":1477.1649,"end":1513.3201},{"sentences":[{"text":"I had a quick email.","start":1514.42,"end":1515.64,"sentiment":"neutral","sentiment_score":0.1679462358355522},{"text":"That is what I need.","start":1516.3401,"end":1517.7001,"sentiment":"positive","sentiment_score":0.36512776613235476},{"text":"That is perfect.","start":1517.7001,"end":1518.68,"sentiment":"positive","sentiment_score":0.6658761103947958},{"text":"Yeah.","start":1521.78,"end":1522.02,"sentiment":"positive","sentiment_score":0.3651732206344605},{"text":"That gives me everything.","start":1522.02,"end":1522.98,"sentiment":"positive","sentiment_score":0.39811883121728897}],"sentiment":"positive","sentiment_score":0.36781371591819656,"num_words":18,"start":1514.42,"end":1522.98},{"sentences":[{"text":"So what I'll do is I will do a breakdown of the tax.","start":1522.98,"end":1526.475,"sentiment":"neutral","sentiment_score":0.22869721055030823},{"text":"So long as you guys are comfortable with 9,000 take home each month, and you're set on that amount.","start":1526.475,"end":1532.895,"sentiment":"neutral","sentiment_score":0.2850257487673509},{"text":"Yeah.","start":1535.195,"end":1535.515,"sentiment":"neutral","sentiment_score":0.013867768459022043},{"text":"I'll give you a few I'll give you a few options, a few different breakdowns, and I'll I'll map it all out.","start":1535.515,"end":1539.9501,"sentiment":"neutral","sentiment_score":0.2197567688470537},{"text":"And I'll just show you the tax implications of each of them, and I'll get that through to you 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that.","start":1564.925,"end":1565.7,"sentiment":"positive","sentiment_score":0.40961647033691406}],"sentiment":"positive","sentiment_score":0.39406661689281464,"num_words":8,"start":1549.55,"end":1565.7},{"sentences":[{"text":"Alright.","start":1566.1799,"end":1566.6799,"sentiment":"neutral","sentiment_score":0.27730798721313477},{"text":"Cool.","start":1568.2799,"end":1568.7799,"sentiment":"neutral","sentiment_score":0.1883646696805954},{"text":"Well, I'll twelve months.","start":1570.3799,"end":1575.46,"sentiment":"neutral","sentiment_score":0.027920475928112864},{"text":"Yeah.","start":1575.46,"end":1575.96,"sentiment":"neutral","sentiment_score":0.078326016664505},{"text":"Yeah.","start":1576.0199,"end":1576.34,"sentiment":"neutral","sentiment_score":0.1155066341161728}],"sentiment":"neutral","sentiment_score":0.09639840142335743,"num_words":8,"start":1566.1799,"end":1576.34},{"sentences":[{"text":"I'll push it through to the insurer.","start":1576.34,"end":1577.94,"sentiment":"neutral","sentiment_score":0.13076533802918025},{"text":"And once I get back once I hear back from them, I'll flick you the updated premium and what it looks like just so you have a a comparison.","start":1577.94,"end":1586.795,"sentiment":"neutral","sentiment_score":0.1281870729450522},{"text":"Option six, call it.","start":1587.415,"end":1589.035,"sentiment":"neutral","sentiment_score":0.06539950985461473},{"text":"No.","start":1594.9601,"end":1595.2001,"sentiment":"neutral","sentiment_score":-0.21670792996883392},{"text":"That's too easy.","start":1595.2001,"end":1596.18,"sentiment":"neutral","sentiment_score":-0.19243515034516653}],"sentiment":"neutral","sentiment_score":0.09319016227329319,"num_words":44,"start":1576.34,"end":1596.18},{"sentences":[{"text":"Alright.","start":1596.24,"end":1596.56,"sentiment":"neutral","sentiment_score":0.1357268989086151},{"text":"Well, I'll I'll get cracking.","start":1596.56,"end":1597.76,"sentiment":"neutral","sentiment_score":0.007249020971357822},{"text":"You'll have some information from me now and probably a little bit of it in a few days once I hear back from the insurer.","start":1597.76,"end":1603.2201,"sentiment":"neutral","sentiment_score":0.0859469723701477},{"text":"In the the the the concessional contributions, I can, yeah, I can map out all the tax now.","start":1608.9551,"end":1612.9551,"sentiment":"neutral","sentiment_score":0.06952928441266219},{"text":"I have I have an hour and a half that I can I can sit down and dedicate it to it now, and then I have a bit of time this afternoon or this evening that I'll I'll I'll be able to finish it off and and get you at least, like, the the tax implications of, you know, different amounts that we can pop in?","start":1612.9551,"end":1628.26,"sentiment":"neutral","sentiment_score":0.18767295738287043}],"sentiment":"neutral","sentiment_score":0.13877033582362144,"num_words":115,"start":1596.24,"end":1628.26},{"sentences":[{"text":"So that way, at least you have that breakdown, and I'll once I get all the information, I'll consolidate into one big email and give it to you in one big place.","start":1628.5599,"end":1635.14,"sentiment":"neutral","sentiment_score":0.159523629816249},{"text":"But I just wanna get you the information as much as possible.","start":1635.2,"end":1638.26,"sentiment":"neutral","sentiment_score":0.18029094642649093},{"text":"Cool.","start":1640.595,"end":1640.915,"sentiment":"positive","sentiment_score":0.7888683080673218},{"text":"Cool.","start":1640.915,"end":1641.3151,"sentiment":"positive","sentiment_score":0.7089402675628662},{"text":"Alright.","start":1641.3151,"end":1641.795,"sentiment":"positive","sentiment_score":0.3606636226177216}],"sentiment":"neutral","sentiment_score":0.19418552573373976,"num_words":47,"start":1628.5599,"end":1641.795},{"sentences":[{"text":"If there's any other tidbits or bits of information that pop up, feel free to just flick it through me in an email.","start":1641.9551,"end":1648.435,"sentiment":"neutral","sentiment_score":0.2095975733321646},{"text":"I can consider that.","start":1648.435,"end":1649.8151,"sentiment":"neutral","sentiment_score":0.14069598354399204},{"text":"Alright.","start":1652.131,"end":1652.371,"sentiment":"neutral","sentiment_score":0.1472497582435608},{"text":"Perfect.","start":1652.371,"end":1652.871,"sentiment":"positive","sentiment_score":0.6144922971725464},{"text":"I'll, I'll get cracking then.","start":1652.9309,"end":1654.631,"sentiment":"positive","sentiment_score":0.4113151729106903}],"sentiment":"neutral","sentiment_score":0.24123076590545037,"num_words":34,"start":1641.9551,"end":1654.631},{"sentences":[{"text":"Bye, Craig.","start":1656.6909,"end":1657.3309,"sentiment":"neutral","sentiment_score":0.18662472069263458},{"text":"Bye.","start":1657.3309,"end":1657.8309,"sentiment":"neutral","sentiment_score":-0.11360201239585876}],"sentiment":"neutral","sentiment_score":0.08654914299647014,"num_words":3,"start":1656.6909,"end":1657.8309}]}}]},{"alternatives":[{"transcript":"Craig speaking. Good day. Good. How you going? Yeah. Okay. Cool. Because I sent an email through to Veronica. Maybe I should send it through to you. No. There you go. Because that's what I remember where we got to. Was my total yep. Craig Dickinson. 1187620 Martha Street, Beaconsfield 6162. Because I I remember the last time we talked, I was just in the midst of getting a pay rise. And then from that, it takes a long time to squeeze the remuneration package out of them. They give you the because when you just go to payroll, which is in India somewhere, they just give you the your your base salary. And as you see from that, your numeration package is a whole lot more to it. Yep. Yep. So all up, I guess, it will call it $200. That's the full package. So the question I've got for you was where we left off last time, and I've done a bit of research. Can I bundle more into my super and not really be heard at the take home? If I can send in to chat t b t, then it comes out with I can, but Yeah. And how much? I guess, you know, I'm willing to sacrifice some take home. Just and and just another it's not a caveat, but another sweetener. I'm doing a lot of what they call step up supervising now, which they pay me 10 an extra 10% on that. I'm on base. Don't know. No. No. No. No. That that's that's separate. Yep. That's just yearly bonus. Kind of. Yeah. Yep. They call it all in jury frequency rate plus how the business is going, which is all completely out of my hand. But that's just what they do. So if you like, last year, it was, yeah, $12,000, right, before tax, obviously. Yep. That's right. So if you just bank a bit, this is, like, $10 for a busy number to work with? Yes. Correct. Yeah. I think we're it's really our last conversation as well just because of the my choice of employment and whatever. I'm getting hammered in my insurance. Yeah. My insurance is hammering my super. So that's one, I'm getting older, so it's probably more likely to get sick or car cut or needs some kind of something. We should have sucks to entertain the fact of lowering the price and all that. So that's why I just let's just look at how much I can chuck into the super the extra with it. But then I looked at it and I thought, let's just wait till we have this conversation about my total remuneration package. Yeah. Yep. But did it come from did this come from Veronica's email or yours? But maybe it does the old one. Not sure why sometimes some email things are called junk and some are called spam. Why I just agree on one? What the noise? So so so I think what was the it's an excellent thirty grand a year. 30 2.5. What's that? 2.5 a month? Oh, so 32 is the maximum. It's already inclusive of the of the year. Okay. Oh, right. Yeah. Oh, so you can just keep going back for as long as you want. Five years. You haven't yet. I can't. Yep. Okay. But so yeah. So what we need to work out is how that affects my take home, I guess, of what I'm willing to to go. Yeah. Yep. Yep. That's right. So, yeah, we gotta work out crunch the numbers and work out how to beat the tax man and pump them on super a bit without yes. Okay. Let let's let's just say my take home would be I need to $9,000 a month to survive. Does that can you crunch those numbers? You're just gonna chat to me too. Okay. Next session. Yeah. What's giving me the it's it's giving me the inspiration to ring you in because we're only paying you guys for such a service. Yeah. No. I understand that. Yep. So what I've what I what what it well, keep me off this question as well because it's a $180,000 you start paying the way more tax, isn't it? Oh, is it? Alright. Yes. Current just currently. That that's just sort of ad hoc but the last three months was no. No. Let's not count it. No. Because that's just when the boss wants to turn off and yeah. Yep. Yep. Yeah. Yes. Yep. Gotcha. Yes. That's right. Yep. Yep. Oh, so you can do it in a lump sum. Do you mean? Yeah. No. I wouldn't trust myself to have that kind of funds available. Alright. I see where that's because I only get about nine closer to the high nines because that stip payment is a one off payment in March. So I don't get that until maybe take that out of the equation and just have that as an actual bonus. Yeah. It's about that. Yeah. Because that's that seems never guaranteed. I mean, it's they never haven't paid it or but it's better to use it as an actual bonus as opposed to the state. Yep. Yep. Yes. Yes. Correct. Yeah. How does that I mean, that surely is gonna help my super stuff too long and not make the the insurance and income protection, all that kind of stuff so painful. Yes. I think part of my my thought process with that is I just needed to get your and we needed to do this. Then also, I need to just go for a full fifty because I'm fifty years soon soon. So I was gonna go full medical. I don't wanna drop my, you know, whatever. You know, I don't like to be a pessimist here, but I didn't wanna go for you know, I'll call. We'll drop this down to whatever. Oh, shit, Craig. You've got prostate cancer. You're gonna die in no. No. I'm saying that I am. But you know what I mean? I would much rather get all my full medicals done before I go drop it. I'm fit and healthy. It it's not nothing's saying that I'm gonna catch it tomorrow. But poor wifey. Yes. That's right. I've got that. Yeah. Yep. Yes. Yep. I'm not sure I'm not sure how sorry. I'm just looking at this now. There is a ninety day wait on income protection. I wonder if that's would that would that change if I change it to a one year wait? Because works things of course, we're living in a never ending changing world. Works just come out with new they took out all their sick leave away. Well, will they change it from we used to have fifty two days sick leave a year, which is absolutely which was amazing. But they thought, no. There's so many budgets here. We're just coughing it too hard. So they changed it to 15. But now if you're got a serious injury or illness, they'll pay you full rate at that remuneration that I've given you there for a full year. Whether you they used to only do that for three months. If you say even then they drop you down to your base salary. Salary continues. Take a look. I've got rid of that, and they pay you full slaver for one year. And then the thing is even after it's manager approval after it, so you likely get a bit more than a year. But that that ninety day wait period for that, that was always because they they would cover me for three months at full pay. It's twelve months. Yeah. Sorry to change things, but it's just something that I I you know, I wanna get all these things right before yeah. Yeah. Yeah. Yeah. Yes? Yeah. I know. That's the last I could goes. He's asked to he he said that that it's painful and proving to be fine. Do you want me to find him on me? Can I go to my Here we go? Okay. I've logged in. Yep. There's no menu as such. What am I looking for? Sorry. Computer. Yeah. Yep. Yep. Gotcha. Yeah. Yeah. Yeah. I've learned something in my, year Snagit or snippet. Yes. Okay. Just Yep. Fair enough. Yeah. I can confirm I have an independent, but, yeah, that's why I understand you need to do a bit. Okay. I'm just trying to find out how to reply to your email. Of course, it's alright. And I'm not even gonna put a there you go. I'll just press the send button there, so you should get that. Okay. Yes. Yep. That's what you need? And we can go from there. Yeah. Thanks. And then just give it some give it some of the super implications as well. Of course, we're doing this for a purpose. And if you if I see my super just going gangbusters compared to where it was, of course, it's gonna be incentive to keep on doing it. And and if I could put it in, just with that email lost to just about that income protection, I think, or whatever it is for a twelve year twelve month waiting period? That's correct. Yeah. Yep. Nails. Thank you. No. That was And you reckon the service stop for the will be today? Yeah. Yeah. That's great. Perfect. Thank you. No, bros. 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speaking. Good day. Good. How you going? Yeah.\n\nOkay. Cool. Because I sent an email through to Veronica. Maybe I should send it through to you. No.\n\nThere you go. Because that's what I remember where we got to. Was my total yep. Craig Dickinson. 1187620 Martha Street, Beaconsfield 6162.\n\nBecause I I remember the last time we talked, I was just in the midst of getting a pay rise. And then from that, it takes a long time to squeeze the remuneration package out of them. They give you the because when you just go to payroll, which is in India somewhere, they just give you the your your base salary. And as you see from that, your numeration package is a whole lot more to it. Yep.\n\nYep. So all up, I guess, it will call it $200. That's the full package. So the question I've got for you was where we left off last time, and I've done a bit of research. Can I bundle more into my super and not really be heard at the take home?\n\nIf I can send in to chat t b t, then it comes out with I can, but Yeah. And how much? I guess, you know, I'm willing to sacrifice some take home. Just and and just another it's not a caveat, but another sweetener. I'm doing a lot of what they call step up supervising now, which they pay me 10 an extra 10% on that.\n\nI'm on base. Don't know. No. No. No.\n\nNo. That that's that's separate. Yep. That's just yearly bonus. Kind of.\n\nYeah. Yep. They call it all in jury frequency rate plus how the business is going, which is all completely out of my hand. But that's just what they do. So if you like, last year, it was, yeah, $12,000, right, before tax, obviously.\n\nYep. That's right. So if you just bank a bit, this is, like, $10 for a busy number to work with? Yes. Correct.\n\nYeah. I think we're it's really our last conversation as well just because of the my choice of employment and whatever. I'm getting hammered in my insurance. Yeah. My insurance is hammering my super.\n\nSo that's one, I'm getting older, so it's probably more likely to get sick or car cut or needs some kind of something. We should have sucks to entertain the fact of lowering the price and all that. So that's why I just let's just look at how much I can chuck into the super the extra with it. But then I looked at it and I thought, let's just wait till we have this conversation about my total remuneration package. Yeah.\n\nYep. But did it come from did this come from Veronica's email or yours? But maybe it does the old one. Not sure why sometimes some email things are called junk and some are called spam. Why I just agree on one?\n\nWhat the noise? So so so I think what was the it's an excellent thirty grand a year. 30 2.5. What's that? 2.5 a month?\n\nOh, so 32 is the maximum. It's already inclusive of the of the year. Okay. Oh, right. Yeah.\n\nOh, so you can just keep going back for as long as you want. Five years. You haven't yet. I can't. Yep.\n\nOkay. But so yeah. So what we need to work out is how that affects my take home, I guess, of what I'm willing to to go. Yeah. Yep.\n\nYep. That's right. So, yeah, we gotta work out crunch the numbers and work out how to beat the tax man and pump them on super a bit without yes. Okay. Let let's let's just say my take home would be I need to $9,000 a month to survive.\n\nDoes that can you crunch those numbers? You're just gonna chat to me too. Okay. Next session. Yeah.\n\nWhat's giving me the it's it's giving me the inspiration to ring you in because we're only paying you guys for such a service. Yeah. No. I understand that. Yep.\n\nSo what I've what I what what it well, keep me off this question as well because it's a $180,000 you start paying the way more tax, isn't it? Oh, is it? Alright. Yes. Current just currently.\n\nThat that's just sort of ad hoc but the last three months was no. No. Let's not count it. No. Because that's just when the boss wants to turn off and yeah.\n\nYep. Yep. Yeah. Yes. Yep.\n\nGotcha. Yes. That's right. Yep. Yep.\n\nOh, so you can do it in a lump sum. Do you mean? Yeah. No. I wouldn't trust myself to have that kind of funds available.\n\nAlright. I see where that's because I only get about nine closer to the high nines because that stip payment is a one off payment in March. So I don't get that until maybe take that out of the equation and just have that as an actual bonus. Yeah. It's about that.\n\nYeah. Because that's that seems never guaranteed. I mean, it's they never haven't paid it or but it's better to use it as an actual bonus as opposed to the state. Yep. Yep.\n\nYes. Yes. Correct. Yeah. How does that I mean, that surely is gonna help my super stuff too long and not make the the insurance and income protection, all that kind of stuff so painful.\n\nYes. I think part of my my thought process with that is I just needed to get your and we needed to do this. Then also, I need to just go for a full fifty because I'm fifty years soon soon. So I was gonna go full medical. I don't wanna drop my, you know, whatever.\n\nYou know, I don't like to be a pessimist here, but I didn't wanna go for you know, I'll call. We'll drop this down to whatever. Oh, shit, Craig. You've got prostate cancer. You're gonna die in no.\n\nNo. I'm saying that I am. But you know what I mean? I would much rather get all my full medicals done before I go drop it. I'm fit and healthy.\n\nIt it's not nothing's saying that I'm gonna catch it tomorrow. But poor wifey. Yes. That's right. I've got that.\n\nYeah. Yep. Yes. Yep. I'm not sure I'm not sure how sorry.\n\nI'm just looking at this now. There is a ninety day wait on income protection. I wonder if that's would that would that change if I change it to a one year wait? Because works things of course, we're living in a never ending changing world. Works just come out with new they took out all their sick leave away.\n\nWell, will they change it from we used to have fifty two days sick leave a year, which is absolutely which was amazing. But they thought, no. There's so many budgets here. We're just coughing it too hard. So they changed it to 15.\n\nBut now if you're got a serious injury or illness, they'll pay you full rate at that remuneration that I've given you there for a full year. Whether you they used to only do that for three months. If you say even then they drop you down to your base salary. Salary continues. Take a look.\n\nI've got rid of that, and they pay you full slaver for one year. And then the thing is even after it's manager approval after it, so you likely get a bit more than a year. But that that ninety day wait period for that, that was always because they they would cover me for three months at full pay. It's twelve months. Yeah.\n\nSorry to change things, but it's just something that I I you know, I wanna get all these things right before yeah. Yeah. Yeah. Yeah. Yes?\n\nYeah. I know. That's the last I could goes. He's asked to he he said that that it's painful and proving to be fine. Do you want me to find him on me?\n\nCan I go to my Here we go? Okay. I've logged in. Yep. There's no menu as such.\n\nWhat am I looking for? Sorry. Computer. Yeah. Yep.\n\nYep. Gotcha. Yeah. Yeah. Yeah.\n\nI've learned something in my, year Snagit or snippet. Yes. Okay. Just Yep. Fair enough.\n\nYeah. I can confirm I have an independent, but, yeah, that's why I understand you need to do a bit. Okay. I'm just trying to find out how to reply to your email. Of course, it's alright.\n\nAnd I'm not even gonna put a there you go. I'll just press the send button there, so you should get that. Okay. Yes. Yep.\n\nThat's what you need? And we can go from there. Yeah. Thanks. And then just give it some give it some of the super implications as well.\n\nOf course, we're doing this for a purpose. And if you if I see my super just going gangbusters compared to where it was, of course, it's gonna be incentive to keep on doing it. And and if I could put it in, just with that email lost to just about that income protection, I think, or whatever it is for a twelve year twelve month waiting period? That's correct. Yeah.\n\nYep. Nails. Thank you. No. That was And you reckon the service stop for the will be today?\n\nYeah. Yeah. That's great. Perfect. Thank you.\n\nNo, bros. Cheese, Bubba.","paragraphs":[{"sentences":[{"text":"Craig speaking.","start":0.24,"end":0.98,"sentiment":"neutral","sentiment_score":0.017813953571021557},{"text":"Good day.","start":5.3599997,"end":5.8399997,"sentiment":"positive","sentiment_score":0.43487080931663513},{"text":"Good.","start":5.8399997,"end":6.0,"sentiment":"positive","sentiment_score":0.4602171778678894},{"text":"How you going?","start":6.0,"end":6.74,"sentiment":"neutral","sentiment_score":0.3227697511514028},{"text":"Yeah.","start":25.415,"end":25.895,"sentiment":"neutral","sentiment_score":0.11940395832061768}],"sentiment":"neutral","sentiment_score":0.2725888794908921,"num_words":9,"start":0.24,"end":25.895},{"sentences":[{"text":"Okay.","start":25.895,"end":26.215,"sentiment":"neutral","sentiment_score":0.16020861268043518},{"text":"Cool.","start":26.215,"end":26.535,"sentiment":"neutral","sentiment_score":0.2241668552160263},{"text":"Because I sent an email through to Veronica.","start":26.535,"end":28.535,"sentiment":"neutral","sentiment_score":0.06888413010165095},{"text":"Maybe I should send it through to you.","start":28.535,"end":30.315,"sentiment":"neutral","sentiment_score":0.018905022647231817},{"text":"No.","start":32.11,"end":32.190002,"sentiment":"neutral","sentiment_score":-0.17567190527915957}],"sentiment":"neutral","sentiment_score":0.04794825182149285,"num_words":19,"start":25.895,"end":32.190002},{"sentences":[{"text":"There you go.","start":32.190002,"end":33.31,"sentiment":"neutral","sentiment_score":-0.12097689633568127},{"text":"Because that's what I remember where we got to.","start":33.31,"end":35.57,"sentiment":"neutral","sentiment_score":-0.017435706686228514},{"text":"Was my total yep.","start":36.670002,"end":38.45,"sentiment":"neutral","sentiment_score":-0.02763589797541499},{"text":"Craig Dickinson.","start":47.005,"end":47.905,"sentiment":"neutral","sentiment_score":0.170725479722023},{"text":"1187620 Martha Street, Beaconsfield 6162.","start":48.524998,"end":52.785,"sentiment":"neutral","sentiment_score":0.0909760519862175}],"sentiment":"neutral","sentiment_score":0.007214590360451004,"num_words":23,"start":32.190002,"end":52.785},{"sentences":[{"text":"Because I I remember the last time we talked, I was just in the midst of getting a pay rise.","start":62.899998,"end":68.52,"sentiment":"neutral","sentiment_score":-0.03632282530888915},{"text":"And then from that, it takes a long time to squeeze the remuneration package out of them.","start":69.38,"end":73.619995,"sentiment":"neutral","sentiment_score":-0.11317574539605309},{"text":"They give you the because when you just go to payroll, which is in India somewhere, they just give you the your your base salary.","start":73.619995,"end":81.775,"sentiment":"neutral","sentiment_score":0.0016447240859270096},{"text":"And as you see from that, your numeration package is a whole lot more to it.","start":81.915,"end":85.695,"sentiment":"neutral","sentiment_score":-0.036557547049596906},{"text":"Yep.","start":94.06,"end":94.56,"sentiment":"neutral","sentiment_score":0.12328609079122543}],"sentiment":"neutral","sentiment_score":-0.038872920731200446,"num_words":79,"start":62.899998,"end":94.56},{"sentences":[{"text":"Yep.","start":100.38,"end":100.88,"sentiment":"neutral","sentiment_score":0.05151739716529846},{"text":"So all up, I guess, it will call it $200.","start":101.42,"end":104.159996,"sentiment":"neutral","sentiment_score":0.05379597991704941},{"text":"That's the full package.","start":104.884995,"end":106.085,"sentiment":"neutral","sentiment_score":0.05965350870974362},{"text":"So the question I've got for you was where we left off last time, and I've done a bit of research.","start":106.085,"end":110.905,"sentiment":"neutral","sentiment_score":0.01887377644223826},{"text":"Can I bundle more into my super and not really be heard at the take home?","start":111.685,"end":117.945,"sentiment":"neutral","sentiment_score":-0.032541966531425714}],"sentiment":"neutral","sentiment_score":0.013534020614595367,"num_words":52,"start":100.38,"end":117.945},{"sentences":[{"text":"If I can send in to chat t b t, then it comes out with I can, but Yeah.","start":122.46001,"end":139.885,"sentiment":"neutral","sentiment_score":0.03488280016340708},{"text":"And how much?","start":140.905,"end":142.105,"sentiment":"neutral","sentiment_score":-0.09119609495004018},{"text":"I guess, you know, I'm willing to sacrifice some take home.","start":142.105,"end":145.00499,"sentiment":"neutral","sentiment_score":-0.19184051928195087},{"text":"Just and and just another it's not a caveat, but another sweetener.","start":147.385,"end":151.98,"sentiment":"neutral","sentiment_score":0.023764489994694788},{"text":"I'm doing a lot of what they call step up supervising now, which they pay me 10 an extra 10% on that.","start":151.98,"end":158.56,"sentiment":"neutral","sentiment_score":0.1203256483105096}],"sentiment":"neutral","sentiment_score":0.018078766401801536,"num_words":67,"start":122.46001,"end":158.56},{"sentences":[{"text":"I'm on base.","start":160.54,"end":161.51999,"sentiment":"neutral","sentiment_score":0.005765853139261405},{"text":"Don't know.","start":162.93999,"end":163.605,"sentiment":"neutral","sentiment_score":-0.028612667694687847},{"text":"No.","start":166.08499,"end":166.58499,"sentiment":"neutral","sentiment_score":-0.2116631418466568},{"text":"No.","start":166.965,"end":167.125,"sentiment":"neutral","sentiment_score":-0.31336021423339844},{"text":"No.","start":167.125,"end":167.28499,"sentiment":"neutral","sentiment_score":-0.306541383266449}],"sentiment":"neutral","sentiment_score":-0.10893656441476196,"num_words":8,"start":160.54,"end":167.28499},{"sentences":[{"text":"No.","start":167.28499,"end":167.525,"sentiment":"neutral","sentiment_score":-0.22293761372566223},{"text":"That that's that's separate.","start":167.525,"end":168.965,"sentiment":"neutral","sentiment_score":-0.10137598402798176},{"text":"Yep.","start":168.965,"end":169.465,"sentiment":"neutral","sentiment_score":0.04350031539797783},{"text":"That's just yearly bonus.","start":170.00499,"end":171.465,"sentiment":"neutral","sentiment_score":0.07089526951313019},{"text":"Kind of.","start":178.94,"end":179.5,"sentiment":"neutral","sentiment_score":0.020734207704663277}],"sentiment":"neutral","sentiment_score":-0.021657645081480343,"num_words":12,"start":167.28499,"end":179.5},{"sentences":[{"text":"Yeah.","start":179.5,"end":179.9,"sentiment":"neutral","sentiment_score":0.08178924024105072},{"text":"Yep.","start":179.9,"end":180.29999,"sentiment":"neutral","sentiment_score":0.09425076097249983},{"text":"They call it all in jury frequency rate plus how the business is going, which is all completely out of my hand.","start":180.29999,"end":189.44,"sentiment":"neutral","sentiment_score":0.021422994915734638},{"text":"But that's just what they do.","start":190.18501,"end":191.80501,"sentiment":"neutral","sentiment_score":0.0692022480070591},{"text":"So if you like, last year, it was, yeah, $12,000, right, before tax, obviously.","start":192.18501,"end":199.005,"sentiment":"neutral","sentiment_score":0.042585519541587145}],"sentiment":"neutral","sentiment_score":0.037699014795097435,"num_words":44,"start":179.5,"end":199.005},{"sentences":[{"text":"Yep.","start":207.12,"end":207.62,"sentiment":"neutral","sentiment_score":0.09592851251363754},{"text":"That's right.","start":209.28,"end":210.09999,"sentiment":"neutral","sentiment_score":0.20646174997091293},{"text":"So if you just bank a bit, this is, like, $10 for a busy number to work with?","start":210.56,"end":215.3,"sentiment":"neutral","sentiment_score":0.09194300158156289},{"text":"Yes.","start":227.47499,"end":227.97499,"sentiment":"neutral","sentiment_score":0.23682299256324768},{"text":"Correct.","start":228.11499,"end":228.61499,"sentiment":"neutral","sentiment_score":0.3120497763156891}],"sentiment":"neutral","sentiment_score":0.11794342651315358,"num_words":23,"start":207.12,"end":228.61499},{"sentences":[{"text":"Yeah.","start":232.75499,"end":233.25499,"sentiment":"neutral","sentiment_score":0.14590436220169067},{"text":"I think we're it's really our last conversation as well just because of the my choice of employment and whatever.","start":246.95499,"end":253.45499,"sentiment":"neutral","sentiment_score":-0.09312906786799431},{"text":"I'm getting hammered in my insurance.","start":253.515,"end":255.215,"sentiment":"negative","sentiment_score":-0.5078158775965372},{"text":"Yeah.","start":258.395,"end":258.875,"sentiment":"neutral","sentiment_score":-0.2466738373041153},{"text":"My insurance is hammering my super.","start":258.875,"end":260.895,"sentiment":"negative","sentiment_score":-0.5283026496569315}],"sentiment":"neutral","sentiment_score":-0.240590058705386,"num_words":34,"start":232.75499,"end":260.895},{"sentences":[{"text":"So that's one, I'm getting older, so it's probably more likely to get sick or car cut or needs some kind of something.","start":261.69998,"end":272.52,"sentiment":"negative","sentiment_score":-0.3932642236999843},{"text":"We should have sucks to entertain the fact of lowering the price and all that.","start":272.81998,"end":277.0,"sentiment":"negative","sentiment_score":-0.47875162164370216},{"text":"So that's why I just let's just look at how much I can chuck into the super the extra with it.","start":277.815,"end":285.275,"sentiment":"neutral","sentiment_score":0.13661548938779605},{"text":"But then I looked at it and I thought, let's just wait till we have this conversation about my total remuneration package.","start":295.03,"end":302.96997,"sentiment":"neutral","sentiment_score":0.050487121397798713},{"text":"Yeah.","start":314.435,"end":314.935,"sentiment":"neutral","sentiment_score":0.12039780616760254}],"sentiment":"neutral","sentiment_score":-0.1478818501913693,"num_words":82,"start":261.69998,"end":314.935},{"sentences":[{"text":"Yep.","start":319.12997,"end":319.62997,"sentiment":"neutral","sentiment_score":0.11487032473087312},{"text":"But did it come from did this come from Veronica's email or yours?","start":330.65,"end":334.575,"sentiment":"neutral","sentiment_score":-0.016017213007077},{"text":"But maybe it does the old one.","start":338.975,"end":340.755,"sentiment":"neutral","sentiment_score":-0.09997390050973211},{"text":"Not sure why sometimes some email things are called junk and some are called spam.","start":359.32,"end":365.225,"sentiment":"negative","sentiment_score":-0.3606526633103689},{"text":"Why I just agree on one?","start":366.48502,"end":368.58502,"sentiment":"neutral","sentiment_score":-0.04998395529886087}],"sentiment":"neutral","sentiment_score":-0.1548301054613798,"num_words":42,"start":319.12997,"end":368.58502},{"sentences":[{"text":"What the noise?","start":384.09,"end":384.81,"sentiment":"neutral","sentiment_score":-0.09275603046019872},{"text":"So so so I think what was the it's an excellent thirty grand a year.","start":384.81,"end":392.535,"sentiment":"neutral","sentiment_score":0.26679843266805015},{"text":"30 2.5.","start":392.835,"end":393.79498,"sentiment":"neutral","sentiment_score":0.040917450562119484},{"text":"What's that?","start":393.79498,"end":394.195,"sentiment":"neutral","sentiment_score":0.044736597687006},{"text":"2.5 a month?","start":394.195,"end":395.57498,"sentiment":"neutral","sentiment_score":0.011345795976618925}],"sentiment":"neutral","sentiment_score":0.15716215532273053,"num_words":25,"start":384.09,"end":395.57498},{"sentences":[{"text":"Oh, so 32 is the maximum.","start":415.255,"end":417.35498,"sentiment":"neutral","sentiment_score":0.05447090727587541},{"text":"It's already inclusive of the of the year.","start":417.735,"end":420.29498,"sentiment":"neutral","sentiment_score":0.09549738373607397},{"text":"Okay.","start":420.29498,"end":420.79498,"sentiment":"neutral","sentiment_score":0.05623583123087883},{"text":"Oh, right.","start":445.985,"end":446.645,"sentiment":"neutral","sentiment_score":0.047437937930226326},{"text":"Yeah.","start":446.865,"end":447.185,"sentiment":"neutral","sentiment_score":0.045330245047807693}],"sentiment":"neutral","sentiment_score":0.07151369253794353,"num_words":18,"start":415.255,"end":447.185},{"sentences":[{"text":"Oh, so you can just keep going back for as long as you want.","start":448.785,"end":451.845,"sentiment":"neutral","sentiment_score":0.041573645014848025},{"text":"Five years.","start":452.305,"end":452.97,"sentiment":"neutral","sentiment_score":-0.1460839882493019},{"text":"You haven't yet.","start":454.89,"end":455.69,"sentiment":"neutral","sentiment_score":-0.08139078691601753},{"text":"I can't.","start":455.69,"end":456.49,"sentiment":"neutral","sentiment_score":-0.16204766556620598},{"text":"Yep.","start":456.49,"end":456.99,"sentiment":"neutral","sentiment_score":-0.04225018620491028}],"sentiment":"neutral","sentiment_score":-0.014575219289823011,"num_words":22,"start":448.785,"end":456.99},{"sentences":[{"text":"Okay.","start":459.29,"end":459.79,"sentiment":"neutral","sentiment_score":-0.012284081429243088},{"text":"But so yeah.","start":460.49,"end":461.29,"sentiment":"neutral","sentiment_score":-0.03472516561547915},{"text":"So what we need to work out is how that affects my take home, I guess, of what I'm willing to to go.","start":461.29,"end":468.39502,"sentiment":"neutral","sentiment_score":-0.07556268443231998},{"text":"Yeah.","start":477.655,"end":477.99,"sentiment":"neutral","sentiment_score":0.03160541504621506},{"text":"Yep.","start":502.975,"end":503.475,"sentiment":"positive","sentiment_score":0.4048841893672943}],"sentiment":"neutral","sentiment_score":-0.04889350744157002,"num_words":29,"start":459.29,"end":503.475},{"sentences":[{"text":"Yep.","start":510.45,"end":510.95,"sentiment":"neutral","sentiment_score":0.3176027238368988},{"text":"That's right.","start":511.25,"end":511.99,"sentiment":"positive","sentiment_score":0.3624705970287323},{"text":"So, yeah, we gotta work out crunch the numbers and work out how to beat the tax man and pump them on super a bit without yes.","start":514.37,"end":537.09,"sentiment":"neutral","sentiment_score":0.14316251625617346},{"text":"Okay.","start":537.33,"end":537.57,"sentiment":"neutral","sentiment_score":0.011769246309995651},{"text":"Let let's let's just say my take home would be I need to $9,000 a month to survive.","start":537.57,"end":545.59,"sentiment":"neutral","sentiment_score":-0.0032507507130503654}],"sentiment":"neutral","sentiment_score":0.0992079100058395,"num_words":49,"start":510.45,"end":545.59},{"sentences":[{"text":"Does that can you crunch those numbers?","start":547.01,"end":549.225,"sentiment":"neutral","sentiment_score":-0.02707388624548912},{"text":"You're just gonna chat to me too.","start":555.625,"end":557.14496,"sentiment":"neutral","sentiment_score":-0.02022040661956583},{"text":"Okay.","start":557.14496,"end":557.625,"sentiment":"neutral","sentiment_score":0.008413517847657204},{"text":"Next session.","start":557.625,"end":558.44495,"sentiment":"neutral","sentiment_score":0.0018599741160869598},{"text":"Yeah.","start":569.79004,"end":570.19,"sentiment":"neutral","sentiment_score":-0.01296248845756054}],"sentiment":"neutral","sentiment_score":-0.01843828180183967,"num_words":18,"start":547.01,"end":570.19},{"sentences":[{"text":"What's giving me the it's it's giving me the inspiration to ring you in because we're only paying you guys for such a service.","start":570.19,"end":577.89,"sentiment":"neutral","sentiment_score":0.06330951303243637},{"text":"Yeah.","start":596.21,"end":596.45,"sentiment":"neutral","sentiment_score":0.00476783886551857},{"text":"No.","start":596.45,"end":596.69,"sentiment":"neutral","sentiment_score":-0.025432707741856575},{"text":"I understand that.","start":596.69,"end":597.83,"sentiment":"neutral","sentiment_score":-0.021777068575223286},{"text":"Yep.","start":619.43,"end":619.91003,"sentiment":"neutral","sentiment_score":0.020954836159944534}],"sentiment":"neutral","sentiment_score":0.048479569144546986,"num_words":30,"start":570.19,"end":619.91003},{"sentences":[{"text":"So what I've what I what what it well, keep me off this question as well because it's a $180,000 you start paying the way more tax, isn't it?","start":619.91003,"end":631.61,"sentiment":"neutral","sentiment_score":-0.10540396077879544},{"text":"Oh, is it?","start":633.805,"end":638.125,"sentiment":"neutral","sentiment_score":-0.0018332948287328084},{"text":"Alright.","start":638.125,"end":638.625,"sentiment":"neutral","sentiment_score":0.1185150146484375},{"text":"Yes.","start":644.445,"end":644.945,"sentiment":"neutral","sentiment_score":0.08905483782291412},{"text":"Current just currently.","start":645.005,"end":646.28503,"sentiment":"neutral","sentiment_score":0.029483517942329247}],"sentiment":"neutral","sentiment_score":-0.0747620092100791,"num_words":37,"start":619.91003,"end":646.28503},{"sentences":[{"text":"That that's just sort of ad hoc but the last three months was no.","start":646.28503,"end":656.20996,"sentiment":"neutral","sentiment_score":-0.03264447208493948},{"text":"No.","start":657.07,"end":657.47,"sentiment":"neutral","sentiment_score":-0.22586779296398163},{"text":"Let's not count it.","start":657.47,"end":658.85,"sentiment":"neutral","sentiment_score":-0.17323528602719307},{"text":"No.","start":660.82996,"end":661.32996,"sentiment":"neutral","sentiment_score":-0.1774159073829651},{"text":"Because that's just when the boss wants to turn off and yeah.","start":662.385,"end":669.365,"sentiment":"negative","sentiment_score":-0.3992723152041435}],"sentiment":"neutral","sentiment_score":-0.19826610112795606,"num_words":32,"start":646.28503,"end":669.365},{"sentences":[{"text":"Yep.","start":677.33,"end":677.83,"sentiment":"neutral","sentiment_score":0.12428629398345949},{"text":"Yep.","start":696.615,"end":697.115,"sentiment":"neutral","sentiment_score":0.05610683187842369},{"text":"Yeah.","start":697.415,"end":697.915,"sentiment":"neutral","sentiment_score":0.09090326726436616},{"text":"Yes.","start":698.21497,"end":698.71497,"sentiment":"neutral","sentiment_score":0.10340338200330734},{"text":"Yep.","start":705.76996,"end":706.26996,"sentiment":"neutral","sentiment_score":0.038970813155174255}],"sentiment":"neutral","sentiment_score":0.08273411765694619,"num_words":5,"start":677.33,"end":706.26996},{"sentences":[{"text":"Gotcha.","start":710.41,"end":710.91,"sentiment":"neutral","sentiment_score":-0.04454317316412926},{"text":"Yes.","start":711.37,"end":711.76996,"sentiment":"neutral","sentiment_score":0.12606044113636017},{"text":"That's right.","start":711.76996,"end":712.485,"sentiment":"neutral","sentiment_score":0.2748560905456543},{"text":"Yep.","start":725.445,"end":725.945,"sentiment":"neutral","sentiment_score":0.01602865755558014},{"text":"Yep.","start":733.04,"end":733.54,"sentiment":"neutral","sentiment_score":0.03916877135634422}],"sentiment":"neutral","sentiment_score":0.11440447966257732,"num_words":6,"start":710.41,"end":733.54},{"sentences":[{"text":"Oh, so you can do it in a lump sum.","start":755.79004,"end":757.47003,"sentiment":"neutral","sentiment_score":-0.007281403988599777},{"text":"Do you mean?","start":757.47003,"end":758.21,"sentiment":"neutral","sentiment_score":0.0021088197827339172},{"text":"Yeah.","start":761.15,"end":761.65,"sentiment":"neutral","sentiment_score":-0.06924950331449509},{"text":"No.","start":768.775,"end":769.255,"sentiment":"negative","sentiment_score":-0.3674534261226654},{"text":"I wouldn't trust myself to have that kind of funds available.","start":769.255,"end":772.235,"sentiment":"negative","sentiment_score":-0.3876175744967027}],"sentiment":"neutral","sentiment_score":-0.18334553190148795,"num_words":26,"start":755.79004,"end":772.235},{"sentences":[{"text":"Alright.","start":805.60504,"end":806.085,"sentiment":"neutral","sentiment_score":0.023378929123282433},{"text":"I see where that's because I only get about nine closer to the high nines because that stip payment is a one off payment in March.","start":806.085,"end":815.38,"sentiment":"neutral","sentiment_score":0.002196667978576163},{"text":"So I don't get that until maybe take that out of the equation and just have that as an actual bonus.","start":817.52,"end":823.86,"sentiment":"neutral","sentiment_score":-0.09974798205352965},{"text":"Yeah.","start":827.98505,"end":828.48505,"sentiment":"neutral","sentiment_score":0.08546328544616699},{"text":"It's about that.","start":843.27997,"end":844.07996,"sentiment":"neutral","sentiment_score":0.07573496301968892}],"sentiment":"neutral","sentiment_score":-0.03272206061639666,"num_words":52,"start":805.60504,"end":844.07996},{"sentences":[{"text":"Yeah.","start":844.07996,"end":844.57996,"sentiment":"neutral","sentiment_score":0.24105039238929749},{"text":"Because that's that seems never guaranteed.","start":848.865,"end":851.105,"sentiment":"neutral","sentiment_score":-0.13851333285371462},{"text":"I mean, it's they never haven't paid it or but it's better to use it as an actual bonus as opposed to the state.","start":851.105,"end":858.085,"sentiment":"neutral","sentiment_score":-0.03036826957638065},{"text":"Yep.","start":868.79004,"end":869.29004,"sentiment":"neutral","sentiment_score":0.02240775525569916},{"text":"Yep.","start":876.07,"end":876.435,"sentiment":"neutral","sentiment_score":0.09852316230535509}],"sentiment":"neutral","sentiment_score":-0.036301125969850655,"num_words":33,"start":844.07996,"end":876.435},{"sentences":[{"text":"Yes.","start":881.635,"end":882.135,"sentiment":"neutral","sentiment_score":0.10884715616703032},{"text":"Yes.","start":885.875,"end":886.375,"sentiment":"neutral","sentiment_score":0.121128648519516},{"text":"Correct.","start":891.395,"end":891.895,"sentiment":"neutral","sentiment_score":0.15574568510055542},{"text":"Yeah.","start":913.545,"end":914.045,"sentiment":"neutral","sentiment_score":0.05215913429856301},{"text":"How does that I mean, that surely is gonna help my super stuff too long and not make the the insurance and income protection, all that kind of stuff so painful.","start":916.505,"end":927.3,"sentiment":"neutral","sentiment_score":-0.20847545876618354}],"sentiment":"neutral","sentiment_score":-0.17213881707617215,"num_words":35,"start":881.635,"end":927.3},{"sentences":[{"text":"Yes.","start":935.66504,"end":936.16504,"sentiment":"neutral","sentiment_score":0.10156342387199402},{"text":"I think part of my my thought process with that is I just needed to get your and we needed to do this.","start":936.22504,"end":944.16,"sentiment":"neutral","sentiment_score":0.10881433700737746},{"text":"Then also, I need to just go for a full fifty because I'm fifty years soon soon.","start":945.19995,"end":949.45996,"sentiment":"neutral","sentiment_score":-0.0043526800239787385},{"text":"So I was gonna go full medical.","start":950.07996,"end":951.77997,"sentiment":"neutral","sentiment_score":-0.07945081112640244},{"text":"I don't wanna drop my, you know, whatever.","start":951.83997,"end":955.45996,"sentiment":"neutral","sentiment_score":-0.147397524677217}],"sentiment":"neutral","sentiment_score":0.014195745345205069,"num_words":56,"start":935.66504,"end":955.45996},{"sentences":[{"text":"You know, I don't like to be a pessimist here, but I didn't wanna go for you know, I'll call.","start":955.6,"end":961.755,"sentiment":"neutral","sentiment_score":-0.1421801596879959},{"text":"We'll drop this down to whatever.","start":961.755,"end":963.615,"sentiment":"neutral","sentiment_score":-0.1368925794959068},{"text":"Oh, shit, Craig.","start":963.995,"end":964.79504,"sentiment":"negative","sentiment_score":-0.5672356685002645},{"text":"You've got prostate cancer.","start":964.79504,"end":965.91504,"sentiment":"negative","sentiment_score":-0.5078216195106506},{"text":"You're gonna die in no.","start":965.91504,"end":966.875,"sentiment":"negative","sentiment_score":-0.5700072765350341}],"sentiment":"neutral","sentiment_score":-0.26968390886720855,"num_words":38,"start":955.6,"end":966.875},{"sentences":[{"text":"No.","start":966.875,"end":966.955,"sentiment":"negative","sentiment_score":-0.3785496354103088},{"text":"I'm saying that I am.","start":966.955,"end":967.835,"sentiment":"neutral","sentiment_score":-0.17674664855003358},{"text":"But you know what I mean?","start":967.835,"end":968.715,"sentiment":"neutral","sentiment_score":-0.12611002599199614},{"text":"I would much rather get all my full medicals done before I go drop it.","start":968.715,"end":977.26,"sentiment":"neutral","sentiment_score":-0.2687294721603394},{"text":"I'm fit and healthy.","start":977.26,"end":978.22,"sentiment":"neutral","sentiment_score":0.27271968871355057}],"sentiment":"neutral","sentiment_score":-0.15996794715043036,"num_words":31,"start":966.875,"end":978.22},{"sentences":[{"text":"It it's not nothing's saying that I'm gonna catch it tomorrow.","start":978.22,"end":980.8,"sentiment":"neutral","sentiment_score":0.09833133660934189},{"text":"But poor wifey.","start":982.38,"end":987.615,"sentiment":"neutral","sentiment_score":0.11797309418519338},{"text":"Yes.","start":987.755,"end":988.155,"sentiment":"neutral","sentiment_score":0.20412331819534305},{"text":"That's right.","start":988.155,"end":988.895,"sentiment":"neutral","sentiment_score":0.258843332529068},{"text":"I've got that.","start":992.475,"end":993.195,"sentiment":"neutral","sentiment_score":0.08596039563417435}],"sentiment":"neutral","sentiment_score":0.12076275777071714,"num_words":20,"start":978.22,"end":993.195},{"sentences":[{"text":"Yeah.","start":993.195,"end":993.595,"sentiment":"neutral","sentiment_score":0.12723684310913086},{"text":"Yep.","start":993.595,"end":994.095,"sentiment":"neutral","sentiment_score":0.1586652398109436},{"text":"Yes.","start":1003.47003,"end":1003.97003,"sentiment":"neutral","sentiment_score":0.11116333305835724},{"text":"Yep.","start":1017.845,"end":1018.345,"sentiment":"neutral","sentiment_score":0.022289223968982697},{"text":"I'm not sure I'm not sure how sorry.","start":1018.565,"end":1020.245,"sentiment":"neutral","sentiment_score":-0.1354040438309312}],"sentiment":"neutral","sentiment_score":-0.05532314255833626,"num_words":12,"start":993.195,"end":1020.245},{"sentences":[{"text":"I'm just looking at this now.","start":1020.245,"end":1021.625,"sentiment":"neutral","sentiment_score":-0.1152670718729496},{"text":"There is a ninety day wait on income protection.","start":1022.40497,"end":1026.08,"sentiment":"neutral","sentiment_score":-0.11792954719728893},{"text":"I wonder if that's would that would that change if I change it to a one year wait?","start":1029.74,"end":1035.0399,"sentiment":"neutral","sentiment_score":-0.06749416618711418},{"text":"Because works things of course, we're living in a never ending changing world.","start":1039.255,"end":1043.595,"sentiment":"neutral","sentiment_score":-0.02986032868592212},{"text":"Works just come out with new they took out all their sick leave away.","start":1045.255,"end":1048.855,"sentiment":"neutral","sentiment_score":-0.07394403990890298}],"sentiment":"neutral","sentiment_score":-0.07318773631704971,"num_words":60,"start":1020.245,"end":1048.855},{"sentences":[{"text":"Well, will they change it from we used to have fifty two days sick leave a year, which is absolutely which was amazing.","start":1048.855,"end":1054.93,"sentiment":"neutral","sentiment_score":0.045987702096286026},{"text":"But they thought, no.","start":1055.7101,"end":1056.51,"sentiment":"neutral","sentiment_score":-0.13764634728431702},{"text":"There's so many budgets here.","start":1056.51,"end":1057.7101,"sentiment":"neutral","sentiment_score":-0.25778582096099856},{"text":"We're just coughing it too hard.","start":1057.7101,"end":1058.99,"sentiment":"negative","sentiment_score":-0.338287020723025},{"text":"So they changed it to 15.","start":1058.99,"end":1060.53,"sentiment":"neutral","sentiment_score":-0.08995542426904042}],"sentiment":"neutral","sentiment_score":-0.07616481853818352,"num_words":44,"start":1048.855,"end":1060.53},{"sentences":[{"text":"But now if you're got a serious injury or illness, they'll pay you full rate at that remuneration that I've given you there for a full year.","start":1061.15,"end":1072.385,"sentiment":"neutral","sentiment_score":-0.09546365066327983},{"text":"Whether you they used to only do that for three months.","start":1073.005,"end":1077.245,"sentiment":"neutral","sentiment_score":-0.02759229967539961},{"text":"If you say even then they drop you down to your base salary.","start":1077.245,"end":1080.225,"sentiment":"neutral","sentiment_score":-0.08299020878397502},{"text":"Salary continues.","start":1081.24,"end":1082.04,"sentiment":"neutral","sentiment_score":-0.03974906727671623},{"text":"Take a look.","start":1082.04,"end":1082.6,"sentiment":"neutral","sentiment_score":-0.009953684483965239}],"sentiment":"neutral","sentiment_score":-0.07266546011669561,"num_words":56,"start":1061.15,"end":1082.6},{"sentences":[{"text":"I've got rid of that, and they pay you full slaver for one year.","start":1082.6,"end":1088.78,"sentiment":"neutral","sentiment_score":-0.12520459560411318},{"text":"And then the thing is even after it's manager approval after it, so you likely get a bit more than a year.","start":1089.88,"end":1095.795,"sentiment":"neutral","sentiment_score":-0.0929886730895801},{"text":"But that that ninety day wait period for that, that was always because they they would cover me for three months at full pay.","start":1095.795,"end":1106.135,"sentiment":"neutral","sentiment_score":-0.06906061448777716},{"text":"It's twelve months.","start":1108.675,"end":1120.84,"sentiment":"neutral","sentiment_score":0.043508752870062985},{"text":"Yeah.","start":1122.02,"end":1122.405,"sentiment":"neutral","sentiment_score":0.007134637795388699}],"sentiment":"neutral","sentiment_score":-0.0831001405895222,"num_words":64,"start":1082.6,"end":1122.405},{"sentences":[{"text":"Sorry to change things, but it's just something that I I you know, I wanna get all these things right before yeah.","start":1123.285,"end":1130.8251,"sentiment":"neutral","sentiment_score":-0.1411566903645342},{"text":"Yeah.","start":1131.365,"end":1131.865,"sentiment":"neutral","sentiment_score":0.08313268423080444},{"text":"Yeah.","start":1151.385,"end":1151.885,"sentiment":"neutral","sentiment_score":0.09426616132259368},{"text":"Yeah.","start":1176.425,"end":1176.925,"sentiment":"neutral","sentiment_score":-0.01254509761929512},{"text":"Yes?","start":1183.385,"end":1183.885,"sentiment":"neutral","sentiment_score":0.05028647184371948}],"sentiment":"neutral","sentiment_score":-0.11116565262468961,"num_words":26,"start":1123.285,"end":1183.885},{"sentences":[{"text":"Yeah.","start":1185.785,"end":1186.285,"sentiment":"neutral","sentiment_score":0.06046535447239876},{"text":"I know.","start":1194.69,"end":1195.2699,"sentiment":"neutral","sentiment_score":-0.02932731807231903},{"text":"That's the last I could goes.","start":1196.5299,"end":1201.6699,"sentiment":"neutral","sentiment_score":-0.10446225106716156},{"text":"He's asked to he he said that that it's painful and proving to be fine.","start":1255.3049,"end":1260.205,"sentiment":"negative","sentiment_score":-0.5317540208498637},{"text":"Do you want me to find him on me?","start":1265.465,"end":1266.745,"sentiment":"neutral","sentiment_score":-0.08353108829922146}],"sentiment":"neutral","sentiment_score":-0.28342584531867143,"num_words":33,"start":1185.785,"end":1266.745},{"sentences":[{"text":"Can I go to my Here we go?","start":1266.745,"end":1268.9249,"sentiment":"neutral","sentiment_score":-0.012948717456310987},{"text":"Okay.","start":1310.52,"end":1310.84,"sentiment":"neutral","sentiment_score":0.042984966188669205},{"text":"I've logged in.","start":1310.84,"end":1311.9,"sentiment":"neutral","sentiment_score":0.09439503898223241},{"text":"Yep.","start":1319.195,"end":1319.695,"sentiment":"neutral","sentiment_score":0.1626008152961731},{"text":"There's no menu as such.","start":1353.615,"end":1355.315,"sentiment":"neutral","sentiment_score":-0.11429402232170105}],"sentiment":"neutral","sentiment_score":-0.010349386268191867,"num_words":18,"start":1266.745,"end":1355.315},{"sentences":[{"text":"What am I looking for?","start":1355.615,"end":1356.6549,"sentiment":"neutral","sentiment_score":-0.018894131854176523},{"text":"Sorry.","start":1356.6549,"end":1357.1549,"sentiment":"neutral","sentiment_score":-0.04588693752884865},{"text":"Computer.","start":1360.57,"end":1361.07,"sentiment":"neutral","sentiment_score":0.02680530771613121},{"text":"Yeah.","start":1364.17,"end":1364.67,"sentiment":"neutral","sentiment_score":0.08227407932281494},{"text":"Yep.","start":1368.41,"end":1368.91,"sentiment":"neutral","sentiment_score":0.08760757744312286}],"sentiment":"neutral","sentiment_score":0.006258818631370862,"num_words":9,"start":1355.615,"end":1368.91},{"sentences":[{"text":"Yep.","start":1372.25,"end":1372.75,"sentiment":"neutral","sentiment_score":0.05116460844874382},{"text":"Gotcha.","start":1376.035,"end":1376.535,"sentiment":"neutral","sentiment_score":0.011592715978622437},{"text":"Yeah.","start":1382.595,"end":1383.095,"sentiment":"neutral","sentiment_score":0.0331600196659565},{"text":"Yeah.","start":1395.6299,"end":1396.1299,"sentiment":"neutral","sentiment_score":0.043707288801670074},{"text":"Yeah.","start":1408.905,"end":1409.405,"sentiment":"neutral","sentiment_score":0.023563891649246216}],"sentiment":"neutral","sentiment_score":0.032637704908847806,"num_words":5,"start":1372.25,"end":1409.405},{"sentences":[{"text":"I've learned something in my, year Snagit or snippet.","start":1418.18,"end":1421.96,"sentiment":"neutral","sentiment_score":0.29701172808806103},{"text":"Yes.","start":1429.605,"end":1430.105,"sentiment":"neutral","sentiment_score":0.2911032736301422},{"text":"Okay.","start":1443.8301,"end":1444.15,"sentiment":"neutral","sentiment_score":0.04205670207738876},{"text":"Just Yep.","start":1444.15,"end":1451.77,"sentiment":"neutral","sentiment_score":0.03177504055202007},{"text":"Fair enough.","start":1452.15,"end":1452.885,"sentiment":"neutral","sentiment_score":0.12545335292816162}],"sentiment":"neutral","sentiment_score":0.2213814876973629,"num_words":15,"start":1418.18,"end":1452.885},{"sentences":[{"text":"Yeah.","start":1454.5651,"end":1454.645,"sentiment":"neutral","sentiment_score":0.1458410918712616},{"text":"I can confirm I have an independent, but, yeah, that's why I understand you need to do a bit.","start":1454.645,"end":1459.0651,"sentiment":"neutral","sentiment_score":0.10564578148095231},{"text":"Okay.","start":1472.7301,"end":1472.9701,"sentiment":"neutral","sentiment_score":0.06482202559709549},{"text":"I'm just trying to find out how to reply to your email.","start":1472.9701,"end":1479.4701,"sentiment":"neutral","sentiment_score":0.054579311360915504},{"text":"Of course, it's alright.","start":1481.6901,"end":1484.305,"sentiment":"neutral","sentiment_score":0.13415282778441906}],"sentiment":"neutral","sentiment_score":0.09214854089392198,"num_words":37,"start":1454.5651,"end":1484.305},{"sentences":[{"text":"And I'm not even gonna put a there you go.","start":1495.085,"end":1497.99,"sentiment":"neutral","sentiment_score":0.07182365916669368},{"text":"I'll just press the send button there, so you should get that.","start":1497.99,"end":1500.89,"sentiment":"neutral","sentiment_score":0.11467488606770833},{"text":"Okay.","start":1502.31,"end":1502.81,"sentiment":"neutral","sentiment_score":0.3093031644821167},{"text":"Yes.","start":1507.1901,"end":1507.6901,"sentiment":"neutral","sentiment_score":0.32960745692253113},{"text":"Yep.","start":1507.8301,"end":1508.3301,"sentiment":"positive","sentiment_score":0.35646331310272217}],"sentiment":"neutral","sentiment_score":0.12358836635947228,"num_words":25,"start":1495.085,"end":1508.3301},{"sentences":[{"text":"That's what you need?","start":1514.565,"end":1515.625,"sentiment":"neutral","sentiment_score":0.19185040146112442},{"text":"And we can go from there.","start":1533.5299,"end":1534.9099,"sentiment":"neutral","sentiment_score":0.2748487169543902},{"text":"Yeah.","start":1535.055,"end":1535.555,"sentiment":"neutral","sentiment_score":0.1687360554933548},{"text":"Thanks.","start":1539.7351,"end":1540.2351,"sentiment":"positive","sentiment_score":0.7154611349105835},{"text":"And then just give it some give it some of the super implications as well.","start":1544.415,"end":1549.29,"sentiment":"neutral","sentiment_score":0.3103501637776693}],"sentiment":"neutral","sentiment_score":0.29466457609777097,"num_words":27,"start":1514.565,"end":1549.29},{"sentences":[{"text":"Of course, we're doing this for a purpose.","start":1549.77,"end":1551.29,"sentiment":"positive","sentiment_score":0.49846627190709114},{"text":"And if you if I see my super just going gangbusters compared to where it was, of course, it's gonna be incentive to keep on doing it.","start":1551.29,"end":1561.31,"sentiment":"neutral","sentiment_score":0.28303749072882867},{"text":"And and if I could put it in, just with that email lost to just about that income protection, I think, or whatever it is for a twelve year twelve month waiting period?","start":1566.195,"end":1575.655,"sentiment":"neutral","sentiment_score":0.08902131551594446},{"text":"That's correct.","start":1587.86,"end":1588.6799,"sentiment":"neutral","sentiment_score":0.11107365041971207},{"text":"Yeah.","start":1589.7799,"end":1590.26,"sentiment":"neutral","sentiment_score":0.1383453607559204}],"sentiment":"neutral","sentiment_score":0.21025265490924808,"num_words":71,"start":1549.77,"end":1590.26},{"sentences":[{"text":"Yep.","start":1590.26,"end":1590.74,"sentiment":"neutral","sentiment_score":0.12832632660865784},{"text":"Nails.","start":1590.74,"end":1591.24,"sentiment":"neutral","sentiment_score":0.05616792291402817},{"text":"Thank you.","start":1593.795,"end":1594.615,"sentiment":"neutral","sentiment_score":0.3271254152059555},{"text":"No.","start":1603.955,"end":1604.195,"sentiment":"neutral","sentiment_score":-0.061684221029281616},{"text":"That was And you reckon the service stop for the will be today?","start":1604.195,"end":1607.86,"sentiment":"neutral","sentiment_score":-0.02304653737407464}],"sentiment":"neutral","sentiment_score":0.026525326280130282,"num_words":18,"start":1590.26,"end":1607.86},{"sentences":[{"text":"Yeah.","start":1635.735,"end":1636.235,"sentiment":"neutral","sentiment_score":0.053603820502758026},{"text":"Yeah.","start":1638.65,"end":1638.89,"sentiment":"positive","sentiment_score":0.5206273794174194},{"text":"That's great.","start":1638.89,"end":1639.37,"sentiment":"positive","sentiment_score":0.8448102474212646},{"text":"Perfect.","start":1639.37,"end":1639.87,"sentiment":"positive","sentiment_score":0.8431114554405212},{"text":"Thank you.","start":1642.17,"end":1643.0701,"sentiment":"positive","sentiment_score":0.364213228225708}],"sentiment":"positive","sentiment_score":0.5479128009506634,"num_words":7,"start":1635.735,"end":1643.0701},{"sentences":[{"text":"No, bros.","start":1650.33,"end":1651.0701,"sentiment":"neutral","sentiment_score":-0.11957088112831116},{"text":"Cheese, Bubba.","start":1654.971,"end":1655.791,"sentiment":"neutral","sentiment_score":0.32490377128124237}],"sentiment":"neutral","sentiment_score":0.1026664450764656,"num_words":4,"start":1650.33,"end":1655.791}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Craig speaking.\n\nChannel 0: Hi. Good morning, Craig. Larissa, Oakview Financial. How are you going?\n\nChannel 1: Good day. Good. How you going?\n\nChannel 0: Yeah. Good. Thank you. Caden obviously booked your appointment yesterday, and originally it was with Veronica. But Veronica note of noticed that you and I spoke last, so I figured we would get on the phone because we had a bit of a detailed conversation, and there was a few things that we had outstanding from our last conversations.\n\nChannel 1: Yeah. Okay. Cool. Because I sent an email through to Veronica. Maybe I should\n\nChannel 0: She\n\nChannel 1: send\n\nChannel 0: she\n\nChannel 1: it through to you.\n\nChannel 0: forwarded it to me this morning, so that's absolutely\n\nChannel 1: No. There you\n\nChannel 0: okay.\n\nChannel 1: go. Because that's what I remember where we got to.\n\nChannel 0: Yeah. Yeah. Well, before\n\nChannel 1: Was\n\nChannel 0: I jump\n\nChannel 1: my\n\nChannel 0: into\n\nChannel 1: total\n\nChannel 0: it\n\nChannel 1: yep.\n\nChannel 0: yeah. Sorry. Before I jump into it, I do need to let you know our calls are recorded. And if I could get you confirmed security for me, full name, date of birth, address. Fantastic.\n\nChannel 1: Craig Dickinson. 1187620 Martha Street, Beaconsfield 6162.\n\nChannel 0: Yes. I I have the, yeah, total remuneration package from, like, Rio, which is fantastic. So you've\n\nChannel 1: Because\n\nChannel 0: obviously\n\nChannel 1: I\n\nChannel 0: got\n\nChannel 1: I remember\n\nChannel 0: cool.\n\nChannel 1: the last time we talked, I was just in the midst of getting a pay rise.\n\nChannel 0: Hay rise.\n\nChannel 1: And\n\nChannel 0: Yep.\n\nChannel 1: then from that, it takes a long time to squeeze the remuneration package out of them. They give you the because when you just go to payroll, which is in India somewhere, they just give you the your your base salary. And as you see from\n\nChannel 0: Yep.\n\nChannel 1: that, your numeration package is a whole lot more to it.\n\nChannel 0: Yes. Yeah. Like, full commute allowance, function allowance, a handover, a superannuation on top, which is perfect. And then,\n\nChannel 1: Yep.\n\nChannel 0: obviously, you've got your incentive plan attached to that as well.\n\nChannel 1: Yep. So all up, I guess, it will call it $200.\n\nChannel 0: Yeah.\n\nChannel 1: That's the full package. So the question I've got for you was where we left off last time, and I've done a bit of research. Can I bundle more into my super and not really be heard at the take home? If I can\n\nChannel 0: Yes.\n\nChannel 1: send in to chat t b t, then it comes out with I can, but\n\nChannel 0: You you you can. So so the short answer is yes. You can. But the caveat to that is, will it affect my take home? Yes.\n\nChannel 1: Yeah. And how much? I guess, you know, I'm willing to sacrifice some take home.\n\nChannel 0: Yep.\n\nChannel 1: Just and and just another it's not a caveat, but another sweetener. I'm doing a lot of what they call step up supervising now, which they pay me 10 an extra 10% on that.\n\nChannel 0: On your\n\nChannel 1: I'm on\n\nChannel 0: base?\n\nChannel 1: base.\n\nChannel 0: Or or is that or\n\nChannel 1: Don't\n\nChannel 0: or is\n\nChannel 1: know.\n\nChannel 0: that the is that the short term incentive plan?\n\nChannel 1: No.\n\nChannel 0: Is that\n\nChannel 1: No.\n\nChannel 0: no.\n\nChannel 1: No.\n\nChannel 0: That's\n\nChannel 1: No. That\n\nChannel 0: separate\n\nChannel 1: that's\n\nChannel 0: again?\n\nChannel 1: that's separate. Yep.\n\nChannel 0: Okay.\n\nChannel 1: That's\n\nChannel 0: So\n\nChannel 1: just yearly\n\nChannel 0: you\n\nChannel 1: bonus.\n\nChannel 0: okay. So the incentive plan is basically, like, if there's no accidents on-site type of thing?\n\nChannel 1: Kind of. Yeah. Yep.\n\nChannel 0: Yep.\n\nChannel 1: They call it all in jury frequency rate plus\n\nChannel 0: Yep.\n\nChannel 1: how the business is going, which is all completely out of my hand.\n\nChannel 0: Yep.\n\nChannel 1: But that's just what they do. So if\n\nChannel 0: Okay.\n\nChannel 1: you like, last year, it was, yeah, $12,000, right,\n\nChannel 0: Yep.\n\nChannel 1: before tax, obviously.\n\nChannel 0: Yeah. And this year, it's it's well, yeah. It's $11.11 $6.79 according to the letter,\n\nChannel 1: Yep.\n\nChannel 0: plus super paid on it.\n\nChannel 1: That's right. So if you just bank a bit, this is, like, $10 for a busy number to work with?\n\nChannel 0: Yeah. No. That's that's absolutely easy. So I I guess there's a there's a there's a a couple of points on it. Because, obviously, like, the 200,000 is what the the total remuneration benefit is,\n\nChannel 1: Yes.\n\nChannel 0: which\n\nChannel 1: Correct.\n\nChannel 0: does include the super the two super components that they outlined, which\n\nChannel 1: Yeah.\n\nChannel 0: combining the two of those means you're sort of on 15 let's just call it 15.5 to keep it roundish, which you could put up to $30 into the fund within a year before triggering things We're 30\n\nChannel 1: I think\n\nChannel 0: two\n\nChannel 1: we're\n\nChannel 0: and a half\n\nChannel 1: it's really our last conversation as well just because\n\nChannel 0: now.\n\nChannel 1: of the my choice of employment and whatever. I'm getting hammered in my insurance.\n\nChannel 0: Yes.\n\nChannel 1: Yeah. My insurance is hammering my super. So that's one, I'm getting older, so it's probably more likely to get sick or car cut\n\nChannel 0: Something\n\nChannel 1: or\n\nChannel 0: happens?\n\nChannel 1: needs some kind of something. We should have\n\nChannel 0: Yeah.\n\nChannel 1: sucks to entertain the fact of lowering the price and all that.\n\nChannel 0: Yep.\n\nChannel 1: So that's why I just let's just look at how much I can chuck into the super the extra\n\nChannel 0: Well, did you\n\nChannel 1: with it.\n\nChannel 0: did you get my email after we spoke that breaks down your insurance and a few of the options? Would like, do you need me to send it again?\n\nChannel 1: But then I looked at it and I thought, let's just wait till we have this conversation about my total remuneration package.\n\nChannel 0: Yeah. Yeah. Let let me let me send it to you again because I I, I grabbed it this morning so I could bring\n\nChannel 1: Yeah.\n\nChannel 0: it up and remind myself about all the sections, I guess.\n\nChannel 1: Yep.\n\nChannel 0: So I've just pressed send on that again, so you should have that in a hot second. And then, yeah, I guess, like, with the with the\n\nChannel 1: But\n\nChannel 0: contributions,\n\nChannel 1: did it come from did this come from Veronica's email or yours?\n\nChannel 0: the I I just sent it from mine. So you'll have it from me\n\nChannel 1: But maybe\n\nChannel 0: right\n\nChannel 1: it does\n\nChannel 0: now.\n\nChannel 1: the old one.\n\nChannel 0: Have I gone to your spam? That's sad. But we\n\nChannel 1: Not\n\nChannel 0: see\n\nChannel 1: sure why\n\nChannel 0: I guess\n\nChannel 1: sometimes some email things are called junk and some are called spam.\n\nChannel 0: oh, I know.\n\nChannel 1: Why I just agree on one?\n\nChannel 0: Yeah. Just make it all the same. I guess with with this, like, salary sacrificing, what amount of money would you be willing to forego each month? I'm assuming, like,\n\nChannel 1: What\n\nChannel 0: generally,\n\nChannel 1: the noise?\n\nChannel 0: mine\n\nChannel 1: So\n\nChannel 0: sites\n\nChannel 1: so\n\nChannel 0: pay\n\nChannel 1: so\n\nChannel 0: monthly.\n\nChannel 1: I think what was the it's an excellent\n\nChannel 0: 32\n\nChannel 1: thirty grand\n\nChannel 0: and a\n\nChannel 1: a year.\n\nChannel 0: 0.5.\n\nChannel 1: 30\n\nChannel 0: Yeah.\n\nChannel 1: 2.5. What's that? 2.5 a month?\n\nChannel 0: On top of what you're already paying? Because, like, let's just so it's 15 it's, like, $15.05. 1,416 and change is what you could pop in\n\nChannel 1: Oh, so 32 is the maximum. It's already\n\nChannel 0: for the\n\nChannel 1: inclusive\n\nChannel 0: year,\n\nChannel 1: of the of\n\nChannel 0: and\n\nChannel 1: the\n\nChannel 0: it's\n\nChannel 1: year.\n\nChannel 0: inclusive\n\nChannel 1: Okay.\n\nChannel 0: of what your employer already pays. We like, if you wanted to put more in, we definitely can because we can look backwards on, like, previous years to pull money from previous years' contributions. So caps that you haven't previously used, we could utilize those cap spaces.\n\nChannel 1: Oh, right. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Oh, so you can just keep going back for as long as you want.\n\nChannel 0: Not as\n\nChannel 1: Five\n\nChannel 0: long as\n\nChannel 1: years.\n\nChannel 0: you want. There's only five yeah. Five yeah. Correct. Yeah.\n\nChannel 1: You\n\nChannel 0: Five\n\nChannel 1: haven't\n\nChannel 0: years.\n\nChannel 1: yet. I can't. Yep. Okay. But so yeah.\n\nSo what we need to work out is how that affects my take home, I guess, of what I'm willing to\n\nChannel 0: Years. Forego or lose.\n\nChannel 1: to go.\n\nChannel 0: Yeah. Because you you won't feel the same effect. So with with your take home, obviously, you get taxed at your marginal rate. So if you say put\n\nChannel 1: Yeah.\n\nChannel 0: a $100 into your fund well, let's just say well, let's just say we put $10 into your fund across the year in addition to what your employer puts in. Let's ignore the employer. It's just $10 comes out of your take home, it goes into your fund. Rather than be taxed on 47%, which means that you would only be getting, you know, roughly $5 of that in pocket, the super fund gets 10% and only is only taxed at 15% rather than 47. So\n\nChannel 1: Yep.\n\nChannel 0: you basically cut the government out of, you know, a good decent 30% tax, nearly.\n\nChannel 1: Yep. That's right. So, yeah, we gotta work out crunch the numbers and work out how to beat the tax man and pump them on super a bit\n\nChannel 0: Yeah. And\n\nChannel 1: without\n\nChannel 0: I can I can work out the numbers so long as I know what parameters you wanna set as a hard line? As in, no. I I need x amount of money to live each pay\n\nChannel 1: yes.\n\nChannel 0: cycle.\n\nChannel 1: Okay. Let let's let's just say my take home would be I need to $9,000 a month to survive.\n\nChannel 0: 9,000 a month? Okay.\n\nChannel 1: Does that can you crunch those numbers?\n\nChannel 0: I can. Just give me one second, and I will go quiet so I can mess.\n\nChannel 1: You're just gonna chat to me too. Okay. Next session.\n\nChannel 0: Oh, chat chat g p t is really bad at math, let me tell you. It's actually really, really bad at math. It's a fantastic tool sometimes, but, honestly, it's actually\n\nChannel 1: Yeah.\n\nChannel 0: not\n\nChannel 1: What's giving\n\nChannel 0: a\n\nChannel 1: me\n\nChannel 0: great\n\nChannel 1: the\n\nChannel 0: mathematician.\n\nChannel 1: it's it's giving me the inspiration to ring you in because we're only paying you guys for such a service.\n\nChannel 0: Yeah. Okay. So that's base. I'm just working out what your actual income is because the letter obviously includes your super, which that's not that's not salary. You don't get taxed on that to the same degree.\n\nChannel 1: Yeah. No.\n\nChannel 0: So\n\nChannel 1: I understand that.\n\nChannel 0: if it was the sum of all of these figures Okay. So your actual salary is, as in what you get paid and taxed at a marginal rate on, is a $188,184.10 based on the base, the commute allowance, the function, the handover, and the STIP.\n\nChannel 1: Yep. So what I've\n\nChannel 0: Which\n\nChannel 1: what I\n\nChannel 0: you said you\n\nChannel 1: what\n\nChannel 0: said that\n\nChannel 1: what\n\nChannel 0: you're currently\n\nChannel 1: it\n\nChannel 0: sorry.\n\nChannel 1: well, keep me off this question as well because it's a $180,000 you start paying the way more tax, isn't it?\n\nChannel 0: 190. However,\n\nChannel 1: Oh, is\n\nChannel 0: if yeah. So a 190 is where you hit the highest tax bracket.\n\nChannel 1: it? Alright.\n\nChannel 0: If you you said you're also getting an extra 10% on top of what's listed in this remuneration\n\nChannel 1: Yes. Current just\n\nChannel 0: package.\n\nChannel 1: currently. That that's just sort of ad hoc but the last three\n\nChannel 0: Okay.\n\nChannel 1: months\n\nChannel 0: Okay. Do you know\n\nChannel 1: was\n\nChannel 0: an estimation on how long that's gonna go for? Because, like, we're we're a month\n\nChannel 1: no.\n\nChannel 0: into this financial year.\n\nChannel 1: No. Let's not count it.\n\nChannel 0: Okay. We work out, but that's fine. Yep.\n\nChannel 1: No.\n\nChannel 0: Because,\n\nChannel 1: Because that's\n\nChannel 0: realistically\n\nChannel 1: just when the boss wants to turn off and\n\nChannel 0: fair.\n\nChannel 1: yeah.\n\nChannel 0: Because, realistically, you've already been paid for one of those months because where if you've done it for two months, you're well, a month into this financial year.\n\nChannel 1: Yep.\n\nChannel 0: So divide that twelve. And then and let's just say you do it for another month, that'll that if you do that for one more month in this financial year, it'll push you over the one ninety. Just it'll push you over the one ninety. Because each month that you do that\n\nChannel 1: Yep.\n\nChannel 0: job,\n\nChannel 1: Yeah. Yes.\n\nChannel 0: you will basically, you're walking home with nearly a well, you're getting nearly a thousand dollars in taxable income, which\n\nChannel 1: Yep.\n\nChannel 0: your $2 from the the the highest tax bracket is\n\nChannel 1: Gotcha.\n\nChannel 0: where you're basically at.\n\nChannel 1: Yes.\n\nChannel 0: Yeah.\n\nChannel 1: That's right.\n\nChannel 0: So there's one of two ways that we could plan this. We can salary sacrifice, which is dollar cost averaging, putting money in regularly into the super fund, which long term does work out better.\n\nChannel 1: Yep.\n\nChannel 0: And then we just have to know exactly what you do or don't want to live without each each pay cycle,\n\nChannel 1: Yep.\n\nChannel 0: Or we get to basically June June May June. I don't never like saying too far into June, but end of May, really. And we look at what your payslip was. We can basically average out based on what you've earned, what you would earn for the rest of the financial year. And then we go, cool.\n\nWe need to forego x amount of money to make it the most tax effective. Less\n\nChannel 1: Oh, so you can do it in a lump sum. Do you mean?\n\nChannel 0: yeah. You could do it in a lump sum. Absolutely. But you have\n\nChannel 1: Yeah.\n\nChannel 0: to have the cash available to do that, and it is less effective from a compounding interest in the fund methods.\n\nChannel 1: No. I wouldn't trust myself to have that kind of funds available.\n\nChannel 0: Yep. But if we just go off your base, so it's a $1.88, $1.84, and 40 and 10¢, what that basically means is for this financial year, your annual take home is about a $133,722, or monthly, that's $11,141, ignoring the increase of role that you are currently doing.\n\nChannel 1: Alright. I see where that's because I only get about nine closer to the high nines because that stip payment is a one off payment in March.\n\nChannel 0: Understood.\n\nChannel 1: So I don't get that until maybe\n\nChannel 0: Ongoing.\n\nChannel 1: take that out of the equation and\n\nChannel 0: Take\n\nChannel 1: just\n\nChannel 0: that out.\n\nChannel 1: have that\n\nChannel 0: Absolutely.\n\nChannel 1: as an actual bonus.\n\nChannel 0: As an ad hoc bonus that you can yep. Absolutely. Cool. Alright.\n\nChannel 1: Yeah.\n\nChannel 0: So that changes so your gross salary, ignoring the FIP, is $1.07 $6.05 $0.04, which monthly is $10.05 44.\n\nChannel 1: It's about that. Yeah.\n\nChannel 0: Cool. And 67¢. So\n\nChannel 1: Because that's that seems never guaranteed. I mean, it's they never\n\nChannel 0: yep.\n\nChannel 1: haven't paid it or but it's better to use it as an actual bonus as opposed\n\nChannel 0: But\n\nChannel 1: to\n\nChannel 0: it\n\nChannel 1: the state.\n\nChannel 0: it can, yeah, it can change. It's not a guaranteed 10%. It's a if the company does really well, we'll pay you x amount of percentage on the earnings that we've earned and or however\n\nChannel 1: Yep.\n\nChannel 0: they kind of calculate it. Yeah. No. I have plenty of clients that have that. It's a the bonus calculated at a specific time of of the year.\n\nChannel 1: Yep.\n\nChannel 0: Okay. So, realistically, we have about $1,500 that we can play with\n\nChannel 1: Yes.\n\nChannel 0: out of your out of your gross out of your net income.\n\nChannel 1: Yes.\n\nChannel 0: It's just a matter of me working out what that looks like gross, so without the tax\n\nChannel 1: Correct.\n\nChannel 0: implication on it, which I can do. It's not generally something I do on the phone with someone, but I can do it and then email it to you if they have it in writing, and I can give a few options and how that affects you tax wise broken down. So that way you can see if I do this, this is the tax implications, and this is how much tax I would it I, you know, I would save. And I can show you because, obviously,\n\nChannel 1: Yeah.\n\nChannel 0: any money you put in yeah. Sorry.\n\nChannel 1: How does that I mean, that surely is gonna help my super stuff too long\n\nChannel 0: Yeah.\n\nChannel 1: and not make the the insurance and income protection, all that kind of stuff so painful.\n\nChannel 0: I mean, I still kind of want to make some changes to your insurance policy if you're amenable to it.\n\nChannel 1: Yes. I think part of my my thought process with that is I just needed to get your and we needed to do this. Then also, I need to just go for a full fifty because I'm fifty years soon soon. So\n\nChannel 0: Yeah.\n\nChannel 1: I was gonna go full medical. I don't wanna drop my, you know, whatever. You know, I don't like to be a pessimist here, but I didn't wanna\n\nChannel 0: Yeah.\n\nChannel 1: go for you know, I'll call. We'll drop this down to whatever. Oh, shit, Craig. You've got prostate cancer. You're gonna die in no.\n\nNo. I'm saying that I am. But you know what I mean?\n\nChannel 0: No.\n\nChannel 1: I would much rather get all my full medicals done before I\n\nChannel 0: Drop it.\n\nChannel 1: go drop it. I'm fit\n\nChannel 0: Yeah.\n\nChannel 1: and healthy. It it's not nothing's saying that I'm gonna catch it tomorrow.\n\nChannel 0: Yeah.\n\nChannel 1: But\n\nChannel 0: But it it it just\n\nChannel 1: poor\n\nChannel 0: gives you that it gives you that reassurance of\n\nChannel 1: wifey. Yes. That's right.\n\nChannel 0: yeah. Well, the quotes are all there. Like, I I did up,\n\nChannel 1: I've got that. Yeah. Yep.\n\nChannel 0: yeah, quite a number of quotes just to show you where if what changes we make, how it kind of affects. And you can see, like, it it it drops it quite a bit.\n\nChannel 1: Yes.\n\nChannel 0: So that gives you a bit of sort of an idea on that front. Because currently, you you've you've got nearly 1.6. So, like, you know, if we cut it in half, it it drops it quite a bit if we, you know, stepped it from there. You can\n\nChannel 1: Yep.\n\nChannel 0: see.\n\nChannel 1: I'm not sure I'm not sure how sorry. I'm just looking at this now. There is a ninety day wait on income protection.\n\nChannel 0: Yep.\n\nChannel 1: I wonder if that's would that would that change if I change it to a one year wait?\n\nChannel 0: Yeah. We I can look at a one\n\nChannel 1: Because\n\nChannel 0: year\n\nChannel 1: works things\n\nChannel 0: wait.\n\nChannel 1: of course, we're living\n\nChannel 0: Yep.\n\nChannel 1: in a never ending changing world.\n\nChannel 0: Yep.\n\nChannel 1: Works just come out with new they took out all their sick leave away. Well, will they change it from we used to have fifty two days sick leave a year, which is\n\nChannel 0: Yep.\n\nChannel 1: absolutely which was amazing. But they thought, no. There's so many budgets here. We're just coughing it too hard. So they changed it to 15.\n\nBut now if you're got a serious injury or illness, they'll pay you full rate at that remuneration that I've given you there for a full\n\nChannel 0: Yep.\n\nChannel 1: year.\n\nChannel 0: Okay.\n\nChannel 1: Whether you they used to only do that for three\n\nChannel 0: On\n\nChannel 1: months. If you say even then they drop\n\nChannel 0: Yep.\n\nChannel 1: you down to your base salary.\n\nChannel 0: Yes.\n\nChannel 1: Salary continues. Take a look. I've got rid of that, and they pay\n\nChannel 0: And\n\nChannel 1: you\n\nChannel 0: it's\n\nChannel 1: full\n\nChannel 0: full.\n\nChannel 1: slaver for one year.\n\nChannel 0: Okay.\n\nChannel 1: And then the thing is even after it's manager approval after it, so you likely get a bit more than a year. But that that ninety\n\nChannel 0: Yeah.\n\nChannel 1: day wait period for that, that was always because they they would cover me for three months at full pay.\n\nChannel 0: Yes. But now that's twelve,\n\nChannel 1: It's twelve\n\nChannel 0: essentially. Okay. Yes. Let me I I mean, I have to go back to the insurer and and check the twelve months, but I can definitely do that. I'll send them an email straight off the back\n\nChannel 1: months.\n\nChannel 0: of this phone call. I could do all\n\nChannel 1: Yeah.\n\nChannel 0: the, sales tax\n\nChannel 1: Sorry\n\nChannel 0: calculations\n\nChannel 1: to change things, but\n\nChannel 0: today.\n\nChannel 1: it's just something that\n\nChannel 0: No.\n\nChannel 1: I I\n\nChannel 0: Don't.\n\nChannel 1: you know, I\n\nChannel 0: No.\n\nChannel 1: wanna get\n\nChannel 0: That's\n\nChannel 1: all\n\nChannel 0: okay.\n\nChannel 1: these things right before\n\nChannel 0: We make the changes.\n\nChannel 1: yeah.\n\nChannel 0: Yeah. Well,\n\nChannel 1: Yeah.\n\nChannel 0: I can, I can do all the salary continuance sorry? Sales calculations, tax implications, and all that, and I can lay it out for you just so you can see like, I'll do basically what your what your what tax you pay now, both your superannuation rate and your marginal rate. And then\n\nChannel 1: Yeah.\n\nChannel 0: I'll show you, you know, if we go the basically full 1,500 a month into your super fund, what that looks like and how that'll kind of trigger things. My only question is just because I do need to do my due diligence, because if we put 1,500 in, we are going to exceed the cap for the year, which, again, I'm not actually that concerned about because I know you do have room, but I wanna\n\nChannel 1: Yeah.\n\nChannel 0: know how much room. Are you do you have access to myGov and the ATO?\n\nChannel 1: Yes?\n\nChannel 0: Do you think you\n\nChannel 1: Yeah.\n\nChannel 0: can log in? And what I'll do is I can talk you through how to access what I want you to access, and if you can take a screenshot and email it to me.\n\nChannel 1: I know. That's the last I could\n\nChannel 0: No. You're you're okay.\n\nChannel 1: goes.\n\nChannel 0: Just let me know when you're actually signed in. That's painful as sign in processes.\n\nChannel 1: He's asked to he he said that that it's painful and proving to be fine.\n\nChannel 0: Yeah. They don't make it easy.\n\nChannel 1: Do you want me to find him on me? Can I go to my Here we go? Okay. I've logged in.\n\nChannel 0: Perfect. So if you're in myGov, all you need to do is go down to the, like, the linked ATO service,\n\nChannel 1: Yep.\n\nChannel 0: and that'll take you through the ATO site. Now once you're on the ATO site, there is a menu button. In the menu button, go to super and then information and then carry forward concessional contributions.\n\nChannel 1: There's no menu as such. What am I looking for? Sorry.\n\nChannel 0: You'll be are you on a computer or a phone or an iPad?\n\nChannel 1: Computer.\n\nChannel 0: Cool. There'll be a bar at the top,\n\nChannel 1: Yeah.\n\nChannel 0: and it'll say super. If you click on or hover over that super button,\n\nChannel 1: Yep.\n\nChannel 0: it'll provide a drop down information, hover over that, and\n\nChannel 1: Yep.\n\nChannel 0: then carry forward concessional contributions.\n\nChannel 1: Gotcha.\n\nChannel 0: It's how I navigated this site a couple of times.\n\nChannel 1: Yeah.\n\nChannel 0: That'll bring you up to a page. It says carry forward concessional contributions, blah blah blah blah blah. It'll have a total amount. If you click on the drop down, so it'll say, like, show more details, which you can click\n\nChannel 1: Yeah.\n\nChannel 0: on. It gives you a breakdown of each financial years, what you made as a contribution, and what you have as an unused concessional contribution cap. If you're able to print screen that, if you're on a computer,\n\nChannel 1: Yeah.\n\nChannel 0: you should just be able to go to the top right corner and go print the PDF. Yep. And send that to me. That'll just give me\n\nChannel 1: I've learned something in my, year Snagit or snippet.\n\nChannel 0: yep. Sniff it. That works too. Absolutely. Yeah.\n\nAnd so long as I have each of the breakdowns, that'll\n\nChannel 1: Yes.\n\nChannel 0: give me everything I need, and I can just make sure that we're obviously I'm covering myself off and making sure that I'm you know, we're not gonna breach anything. We're not gonna incur 49% tax in your super fund.\n\nChannel 1: Okay.\n\nChannel 0: Because if\n\nChannel 1: Just\n\nChannel 0: we breach if we breach all of these caps, that's what we're gonna end up doing. This will Incur. Incur a higher tax rate.\n\nChannel 1: Yep. Fair enough.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. I can confirm I have an independent, but, yeah, that's why I understand you need to do a bit.\n\nChannel 0: Yeah. And it just it it allows me to kinda track how much we'll use ongoing if we do this long term, how much of each cap we'll use and give us benefits that way?\n\nChannel 1: Okay. I'm just trying to find out how to reply to your\n\nChannel 0: My email?\n\nChannel 1: email. Of course, it's alright. And I'm not even gonna put a there you go. I'll just press the send button there, so you should get that.\n\nChannel 0: That's absolutely fine.\n\nChannel 1: Okay.\n\nChannel 0: The best email is the most concise and informal.\n\nChannel 1: Yes. Yep.\n\nChannel 0: Perfect. And that has come through. I had\n\nChannel 1: That's\n\nChannel 0: a\n\nChannel 1: what\n\nChannel 0: quick\n\nChannel 1: you need?\n\nChannel 0: email. That is what I need. That is perfect. Yeah. That gives me everything.\n\nSo what I'll do is I will do a breakdown of the tax. So long as you guys are comfortable with 9,000 take home each month, and you're set on that amount.\n\nChannel 1: And we can go from there. Yeah.\n\nChannel 0: Yeah. I'll give you a few I'll give you a few options, a few different breakdowns, and I'll I'll map it all out.\n\nChannel 1: Thanks.\n\nChannel 0: And I'll just show you the tax implications of each of them, and\n\nChannel 1: And\n\nChannel 0: I'll\n\nChannel 1: then\n\nChannel 0: get that\n\nChannel 1: just\n\nChannel 0: through\n\nChannel 1: give it\n\nChannel 0: to\n\nChannel 1: some\n\nChannel 0: you today.\n\nChannel 1: give it some of the super implications as well.\n\nChannel 0: Absolutely.\n\nChannel 1: Of course, we're doing this for a purpose. And if you if I see my super just going gangbusters compared to where it was, of course, it's gonna be incentive to keep on doing it.\n\nChannel 0: Yeah. Yeah. Yep. I could do that. Alright.\n\nChannel 1: And and if I could put it in, just with that\n\nChannel 0: Cool.\n\nChannel 1: email lost to just about that\n\nChannel 0: Well,\n\nChannel 1: income protection, I think, or whatever it\n\nChannel 0: I'll\n\nChannel 1: is for a twelve year twelve month\n\nChannel 0: twelve\n\nChannel 1: waiting\n\nChannel 0: months.\n\nChannel 1: period?\n\nChannel 0: Yeah. Yeah. I'll push it through to the insurer. And once I get back once I hear back from them, I'll flick you the updated premium and what it looks like just so you have a a comparison. Option six,\n\nChannel 1: That's correct.\n\nChannel 0: call it.\n\nChannel 1: Yeah. Yep. Nails. Thank you.\n\nChannel 0: No. That's too easy. Alright. Well, I'll I'll get cracking. You'll have some information from me now and probably a little bit of it in a few days once I hear back from the insurer.\n\nChannel 1: No. That was And you reckon the service stop for the will be today?\n\nChannel 0: In the the the the concessional contributions, I can, yeah, I can map out all the tax now. I have I have an hour and a half that I can I can sit down and dedicate it to it now, and then I have a bit of time this afternoon or this evening that I'll I'll I'll be able to finish it off and and get you at least, like, the the tax implications of, you know, different amounts that we can pop in? So that way, at least you have that breakdown, and I'll once I get all the information, I'll consolidate into one big email and give it to you in one big place. But I just\n\nChannel 1: Yeah.\n\nChannel 0: wanna get you the information as much as possible.\n\nChannel 1: Yeah. That's great. Perfect.\n\nChannel 0: Cool. Cool. Alright. If there's\n\nChannel 1: Thank\n\nChannel 0: any other\n\nChannel 1: you.\n\nChannel 0: tidbits or bits of information that pop up, feel free to just flick it through me in an email. I can consider that.\n\nChannel 1: No, bros.\n\nChannel 0: Alright. Perfect. I'll, I'll get cracking then.\n\nChannel 1: Cheese, Bubba.\n\nChannel 0: Bye, Craig. Bye.","paragraphs":[{"sentences":[{"text":"Craig speaking.","start":0.24,"end":0.98,"sentiment":"neutral","sentiment_score":0.017813953571021557}],"sentiment":"neutral","sentiment_score":0.017813953571021557,"channel":1,"num_words":2,"start":0.24,"end":0.98},{"sentences":[{"text":"Hi.","start":2.0,"end":2.48,"sentiment":"neutral","sentiment_score":0.17493128776550293},{"text":"Good morning, Craig.","start":2.48,"end":3.1999998,"sentiment":"positive","sentiment_score":0.3571968376636505},{"text":"Larissa, Oakview Financial.","start":3.1999998,"end":4.4,"sentiment":"neutral","sentiment_score":0.26809219519297284},{"text":"How are you going?","start":4.4,"end":5.22,"sentiment":"neutral","sentiment_score":0.2986159324645996}],"sentiment":"neutral","sentiment_score":0.2950238287448883,"channel":0,"num_words":11,"start":2.0,"end":5.22},{"sentences":[{"text":"Good 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have","start":760.715,"end":761.235,"sentiment":"neutral","sentiment_score":0.0002437246342500051}],"sentiment":"neutral","sentiment_score":0.033529623196675226,"channel":0,"num_words":13,"start":758.12006,"end":761.235},{"sentences":[{"text":"Yeah.","start":761.15,"end":761.65,"sentiment":"neutral","sentiment_score":-0.06924950331449509}],"sentiment":"neutral","sentiment_score":-0.06924950331449509,"channel":1,"num_words":1,"start":761.15,"end":761.65},{"sentences":[{"text":"to have the cash available to do that, and it is less effective from a compounding interest in the fund methods.","start":761.235,"end":768.895,"sentiment":"neutral","sentiment_score":-0.27625822169440134}],"sentiment":"neutral","sentiment_score":-0.27625822169440134,"channel":0,"num_words":21,"start":761.235,"end":768.895},{"sentences":[{"text":"No.","start":768.775,"end":769.255,"sentiment":"negative","sentiment_score":-0.3674534261226654},{"text":"I wouldn't trust myself to have that kind of funds 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nine closer to the high nines because that stip payment is a one off payment in March.","start":806.085,"end":815.38,"sentiment":"neutral","sentiment_score":0.002196667978576163}],"sentiment":"neutral","sentiment_score":0.0029811961691208395,"channel":1,"num_words":27,"start":805.60504,"end":815.38},{"sentences":[{"text":"Understood.","start":816.085,"end":816.585,"sentiment":"neutral","sentiment_score":-0.1457570642232895}],"sentiment":"neutral","sentiment_score":-0.1457570642232895,"channel":0,"num_words":1,"start":816.085,"end":816.585},{"sentences":[{"text":"So I don't get that until 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push it through to the insurer.","start":1576.34,"end":1577.94,"sentiment":"neutral","sentiment_score":0.13076533802918025},{"text":"And once I get back once I hear back from them, I'll flick you the updated premium and what it looks like just so you have a a comparison.","start":1577.94,"end":1586.795,"sentiment":"neutral","sentiment_score":0.1281870729450522},{"text":"Option six,","start":1587.415,"end":1588.2151,"sentiment":"neutral","sentiment_score":0.04052910767495632}],"sentiment":"neutral","sentiment_score":0.12269183369353413,"channel":0,"num_words":40,"start":1575.46,"end":1588.2151},{"sentences":[{"text":"That's correct.","start":1587.86,"end":1588.6799,"sentiment":"neutral","sentiment_score":0.11107365041971207}],"sentiment":"neutral","sentiment_score":0.11107365041971207,"channel":1,"num_words":2,"start":1587.86,"end":1588.6799},{"sentences":[{"text":"call 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easy.","start":1595.2001,"end":1596.18,"sentiment":"neutral","sentiment_score":-0.19243515034516653},{"text":"Alright.","start":1596.24,"end":1596.56,"sentiment":"neutral","sentiment_score":0.1357268989086151},{"text":"Well, I'll I'll get cracking.","start":1596.56,"end":1597.76,"sentiment":"neutral","sentiment_score":0.007249020971357822},{"text":"You'll have some information from me now and probably a little bit of it in a few days once I hear back from the insurer.","start":1597.76,"end":1603.2201,"sentiment":"neutral","sentiment_score":0.0859469723701477}],"sentiment":"neutral","sentiment_score":0.043618083771850384,"channel":0,"num_words":35,"start":1594.9601,"end":1603.2201},{"sentences":[{"text":"No.","start":1603.955,"end":1604.195,"sentiment":"neutral","sentiment_score":-0.061684221029281616},{"text":"That was And you reckon the service stop for the will be today?","start":1604.195,"end":1607.86,"sentiment":"neutral","sentiment_score":-0.02304653737407464}],"sentiment":"neutral","sentiment_score":-0.02580637192087514,"channel":1,"num_words":14,"start":1603.955,"end":1607.86},{"sentences":[{"text":"In the the the the concessional contributions, I can, yeah, I can map out all the tax now.","start":1608.9551,"end":1612.9551,"sentiment":"neutral","sentiment_score":0.06952928441266219},{"text":"I have I have an hour and a half that I can I can sit down and dedicate it to it now, and then I have a bit of time this afternoon or this evening that I'll I'll I'll be able to finish it off and and get you at least, like, the the tax implications of, you know, different amounts that we can pop in?","start":1612.9551,"end":1628.26,"sentiment":"neutral","sentiment_score":0.18767295738287043},{"text":"So that way, at least you have that breakdown, and I'll once I get all the information, I'll consolidate into one big email and give it to you in one big place.","start":1628.5599,"end":1635.14,"sentiment":"neutral","sentiment_score":0.159523629816249},{"text":"But I just","start":1635.2,"end":1635.84,"sentiment":"neutral","sentiment_score":0.07091292863090833}],"sentiment":"neutral","sentiment_score":0.15928938862781564,"channel":0,"num_words":119,"start":1608.9551,"end":1635.84},{"sentences":[{"text":"Yeah.","start":1635.735,"end":1636.235,"sentiment":"neutral","sentiment_score":0.053603820502758026}],"sentiment":"neutral","sentiment_score":0.053603820502758026,"channel":1,"num_words":1,"start":1635.735,"end":1636.235},{"sentences":[{"text":"wanna get you the information as much as possible.","start":1635.84,"end":1638.26,"sentiment":"neutral","sentiment_score":0.21675028569168514}],"sentiment":"neutral","sentiment_score":0.21675028569168514,"channel":0,"num_words":9,"start":1635.84,"end":1638.26},{"sentences":[{"text":"Yeah.","start":1638.65,"end":1638.89,"sentiment":"positive","sentiment_score":0.5206273794174194},{"text":"That's great.","start":1638.89,"end":1639.37,"sentiment":"positive","sentiment_score":0.8448102474212646},{"text":"Perfect.","start":1639.37,"end":1639.87,"sentiment":"positive","sentiment_score":0.8431114554405212}],"sentiment":"positive","sentiment_score":0.7633398324251175,"channel":1,"num_words":4,"start":1638.65,"end":1639.87},{"sentences":[{"text":"Cool.","start":1640.595,"end":1640.915,"sentiment":"positive","sentiment_score":0.7888683080673218},{"text":"Cool.","start":1640.915,"end":1641.3151,"sentiment":"positive","sentiment_score":0.7089402675628662},{"text":"Alright.","start":1641.3151,"end":1641.795,"sentiment":"positive","sentiment_score":0.3606636226177216},{"text":"If there's","start":1641.9551,"end":1642.355,"sentiment":"neutral","sentiment_score":0.13369643688201904}],"sentiment":"positive","sentiment_score":0.4251730144023895,"channel":0,"num_words":5,"start":1640.595,"end":1642.355},{"sentences":[{"text":"Thank","start":1642.17,"end":1642.5701,"sentiment":"positive","sentiment_score":0.3606148958206177}],"sentiment":"positive","sentiment_score":0.3606148958206177,"channel":1,"num_words":1,"start":1642.17,"end":1642.5701},{"sentences":[{"text":"any other","start":1642.355,"end":1643.015,"sentiment":"neutral","sentiment_score":0.32491810619831085}],"sentiment":"neutral","sentiment_score":0.32491810619831085,"channel":0,"num_words":2,"start":1642.355,"end":1643.015},{"sentences":[{"text":"you.","start":1642.5701,"end":1643.0701,"sentiment":"positive","sentiment_score":0.36781156063079834}],"sentiment":"positive","sentiment_score":0.36781156063079834,"channel":1,"num_words":1,"start":1642.5701,"end":1643.0701},{"sentences":[{"text":"tidbits or bits of information that pop up, feel free to just flick it through me in an email.","start":1643.3151,"end":1648.435,"sentiment":"neutral","sentiment_score":0.2054481631831119},{"text":"I can consider that.","start":1648.435,"end":1649.8151,"sentiment":"neutral","sentiment_score":0.14069598354399204}],"sentiment":"neutral","sentiment_score":0.1941869145502215,"channel":0,"num_words":23,"start":1643.3151,"end":1649.8151},{"sentences":[{"text":"No, bros.","start":1650.33,"end":1651.0701,"sentiment":"neutral","sentiment_score":-0.11957088112831116}],"sentiment":"neutral","sentiment_score":-0.11957088112831116,"channel":1,"num_words":2,"start":1650.33,"end":1651.0701},{"sentences":[{"text":"Alright.","start":1652.131,"end":1652.371,"sentiment":"neutral","sentiment_score":0.1472497582435608},{"text":"Perfect.","start":1652.371,"end":1652.871,"sentiment":"positive","sentiment_score":0.6144922971725464},{"text":"I'll, I'll get cracking then.","start":1652.9309,"end":1654.631,"sentiment":"positive","sentiment_score":0.4113151729106903}],"sentiment":"positive","sentiment_score":0.40261684570993694,"channel":0,"num_words":7,"start":1652.131,"end":1654.631},{"sentences":[{"text":"Cheese, Bubba.","start":1654.971,"end":1655.791,"sentiment":"neutral","sentiment_score":0.32490377128124237}],"sentiment":"neutral","sentiment_score":0.32490377128124237,"channel":1,"num_words":2,"start":1654.971,"end":1655.791},{"sentences":[{"text":"Bye, Craig.","start":1656.6909,"end":1657.3309,"sentiment":"neutral","sentiment_score":0.18662472069263458},{"text":"Bye.","start":1657.3309,"end":1657.8309,"sentiment":"neutral","sentiment_score":-0.11360201239585876}],"sentiment":"neutral","sentiment_score":0.08654914299647014,"channel":0,"num_words":3,"start":1656.6909,"end":1657.8309}]},"summary":{"result":"success","short":"Lourissa from Oakview Financial confirms Craig's appointment and discusses the benefits of the incentive plan, including a full-time allowance and a base salary. They also discuss adjusting payroll policies and using cap spaces for tax purposes. The use of a tool called Work Life Plan (VSP) is necessary to avoid overpaying for the service. The agent provides guidance on accessing information and discusses tax implications and costs for the customer. The agent offers to provide a breakdown of costs and suggests providing a breakdown of each financial year and unused contributions for the policy. The customer is advised to ensure they are covering themselves and not breach any caps."},"intents":{"segments":[{"text":"And how much? I guess, you know, I'm willing to sacrifice some take home. Yep.","start_word":408,"end_word":422,"intents":[{"intent":"Compare costs","confidence_score":0.0005164183}]},{"text":"did you get my email after we spoke that breaks down your insurance and a few of the options? Would like, do you need me to send it again? But then I looked at it and I thought, let's just wait till we have this conversation about my total remuneration package. Yeah.","start_word":805,"end_word":856,"intents":[{"intent":"Streamline communication","confidence_score":0.0035950162}]},{"text":"I guess with with this, like, salary sacrificing, what amount of money would you be willing to forego each month?","start_word":1001,"end_word":1020,"intents":[{"intent":"Share salary savings and deciding on salary amount","confidence_score":3.632821e-11},{"intent":"Clarify salary structure and maximum pay amount","confidence_score":0.0000014367658}]},{"text":"So caps that you haven't previously used, we could utilize those cap spaces. Oh, right.","start_word":1140,"end_word":1154,"intents":[{"intent":"Discuss use of cap spaces","confidence_score":0.0009771695}]},{"text":"Because you you won't feel the same effect. So with with your take home, obviously, you get taxed at your marginal rate. So if you say put Yeah.","start_word":1227,"end_word":1254,"intents":[{"intent":"Discuss future savings and taxation","confidence_score":0.00001531325}]},{"text":"Rather than be taxed on 47%, which means that you would only be getting, you know, roughly $5 of that in pocket, the super fund gets 10% and only is only taxed at 15% rather than 47. So Yep. you basically cut the government out of, you know, a good decent 30% tax, nearly. Yep.","start_word":1304,"end_word":1358,"intents":[{"intent":"Clarify tax deductions","confidence_score":0.10577814}]},{"text":"If you you said you're also getting an extra 10% on top of what's listed in this remuneration Yes.","start_word":1689,"end_word":1707,"intents":[{"intent":"Confirm remuneration and salary","confidence_score":8.730776e-7}]},{"text":"So there's one of two ways that we could plan this. We can salary sacrifice, which is dollar cost averaging, putting money in regularly into the super fund, which long term does work out better. Yep.","start_word":1904,"end_word":1939,"intents":[{"intent":"Discuss planning and budget","confidence_score":0.000026077}]},{"text":"We can salary sacrifice, which is dollar cost averaging, putting money in regularly into the super fund, which long term does work out better. Yep.","start_word":1915,"end_word":1939,"intents":[{"intent":"Explain salary sacrifice and regular investments","confidence_score":0.00088147353}]},{"text":"to have the cash available to do that, and it is less effective from a compounding interest in the fund methods. No.","start_word":2062,"end_word":2083,"intents":[{"intent":"Calculate funds","confidence_score":0.0005792771}]},{"text":"It's not a guaranteed 10%. It's a if the company does really well, we'll pay you x amount of percentage on the earnings that we've earned and or however Yep. they kind of calculate it. Yeah.","start_word":2277,"end_word":2312,"intents":[{"intent":"Calculate percentage","confidence_score":0.58821446},{"intent":"Calculate percentage","confidence_score":0.17282365}]},{"text":"So that way you can see if I do this, this is the tax implications, and this is how much tax I would it I, you know, I would save.","start_word":2431,"end_word":2460,"intents":[{"intent":"Save money","confidence_score":0.18349467}]},{"text":"I mean, I still kind of want to make some changes to your insurance policy if you're amenable to it. Yes.","start_word":2508,"end_word":2528,"intents":[{"intent":"Make changes to insurance policy","confidence_score":0.57675683}]},{"text":"Then also, I need to just go for a full fifty because I'm fifty years soon soon. Yeah.","start_word":2552,"end_word":2569,"intents":[{"intent":"Go for medical","confidence_score":0.2785847}]},{"text":"these things right before We make the changes. yeah.","start_word":3127,"end_word":3135,"intents":[{"intent":"Make changes","confidence_score":0.00920065}]},{"text":"I can, I can do all the salary continuance sorry? Sales calculations, tax implications, and all that, and I can lay it out for you just so you can see like, I'll do basically what your what your what tax you pay now, both your superannuation rate and your marginal rate. And then Yeah.","start_word":3139,"end_word":3192,"intents":[{"intent":"Check tax implications","confidence_score":0.010006823}]},{"text":"My only question is just because I do need to do my due diligence, because if we put 1,500 in, we are going to exceed the cap for the year, which, again, I'm not actually that concerned about because I know you do have room, but I wanna Yeah.","start_word":3222,"end_word":3270,"intents":[{"intent":"Extend salary","confidence_score":0.0018125564}]},{"text":"Are you do you have access to myGov and the ATO? Yes?","start_word":3275,"end_word":3286,"intents":[{"intent":"Access mygov and ato","confidence_score":0.37255973}]},{"text":"And what I'll do is I can talk you through how to access what I want you to access, and if you can take a screenshot and email it to me. I know.","start_word":3296,"end_word":3328,"intents":[{"intent":"Access ato service access","confidence_score":0.000001468414}]},{"text":"That'll just give me I've learned something in my, year Snagit or snippet. yep.","start_word":3634,"end_word":3647,"intents":[{"intent":"Provide information","confidence_score":0.0797309}]},{"text":"I can confirm I have an independent, but, yeah, that's why I understand you need to do a bit. Yeah.","start_word":3740,"end_word":3759,"intents":[{"intent":"Confirm understanding","confidence_score":0.24109372},{"intent":"Confirm understanding","confidence_score":0.002434107},{"intent":"Confirm understanding","confidence_score":0.1083354}]},{"text":"I'm just trying to find out how to reply to your My email? email.","start_word":3795,"end_word":3808,"intents":[{"intent":"Get response","confidence_score":0.00076567923}]},{"text":"The best email is the most concise and informal. Yes. Yep. Perfect.","start_word":3839,"end_word":3850,"intents":[{"intent":"Provide email","confidence_score":0.064413}]},{"text":"So what I'll do is I will do a breakdown of the tax. So long as you guys are comfortable with 9,000 take home each month, and you're set on that amount. And we can go from there. Yeah.","start_word":3878,"end_word":3916,"intents":[{"intent":"Do breakdown","confidence_score":0.015448516}]},{"text":"I'll give you a few I'll give you a few options, a few different breakdowns, and I'll I'll map it all out. Thanks. And I'll just show you the tax implications of each of them, and And I'll then get that just through give it to some you today. give it some of the super implications as well. Absolutely.","start_word":3919,"end_word":3977,"intents":[{"intent":"Map tax implications","confidence_score":0.04993037}]}]},"sentiments":{"segments":[{"text":"Craig speaking. Hi.","start_word":0,"end_word":2,"sentiment":"neutral","sentiment_score":0.08115225285291672},{"text":"Good morning, Craig.","start_word":3,"end_word":5,"sentiment":"positive","sentiment_score":0.3607659637928009},{"text":"Larissa, Oakview Financial. How are you going?","start_word":6,"end_word":12,"sentiment":"neutral","sentiment_score":0.28294020891189575},{"text":"Good day. Good.","start_word":13,"end_word":15,"sentiment":"positive","sentiment_score":0.44043025374412537},{"text":"How you going? Yeah.","start_word":16,"end_word":19,"sentiment":"neutral","sentiment_score":0.3123331069946289},{"text":"Good. Thank you.","start_word":20,"end_word":22,"sentiment":"positive","sentiment_score":0.5432251691818237},{"text":"Caden obviously booked your appointment yesterday, and originally it was with Veronica. But Veronica note of noticed that you and I spoke last, so I figured we would get on the phone because we had a bit of a detailed conversation, and there was a few things that we had outstanding from our last conversations. Yeah. Okay. Cool. Because I sent an email through to Veronica. Maybe I should She send she it through to you. forwarded it to me this morning, so that's absolutely No. There you okay. go. Because that's what I remember where we got to. Yeah. Yeah. Well, before Was I jump my into total it yep. yeah. Sorry. Before I jump into it, I do need to let you know our calls are recorded. And if I could get you confirmed security for me, full name, date of birth, address.","start_word":23,"end_word":167,"sentiment":"neutral","sentiment_score":0.05808143690228462},{"text":"Fantastic.","start_word":168,"end_word":168,"sentiment":"positive","sentiment_score":0.4020020365715027},{"text":"Craig Dickinson. 1187620 Martha Street, Beaconsfield 6162. Yes. I I have the, yeah, total remuneration package from, like, Rio, which is fantastic. So you've Because obviously I got I remember cool. the last time we talked, I was just in the midst of getting a pay rise. Hay rise. And Yep. then from that, it takes a long time to squeeze the remuneration package out of them. They give you the because when you just go to payroll, which is in India somewhere, they just give you the your your base salary. And as you see from Yep. that, your numeration package is a whole lot more to it. Yes. Yeah. Like, full commute allowance, function allowance, a handover, a superannuation on top, which is perfect. And then, Yep. obviously, you've got your incentive plan attached to that as well. Yep. So all up, I guess, it will call it $200. Yeah. That's the full package. So the question I've got for you was where we left off last time, and I've done a bit of research. Can I bundle more into my super and not really be heard at the take home? If I can Yes. send in to chat t b t, then it comes out with I can, but You you you can. So so the short answer is yes. You can. But the caveat to that is, will it affect my take home? Yes. Yeah. And how much? I guess, you know, I'm willing to sacrifice some take home. Yep. Just and and just another it's not a caveat, but another sweetener. I'm doing a lot of what they call step up supervising now, which they pay me 10 an extra 10% on that. On your I'm on base? base. Or or is that or Don't or is know. that the is that the short term incentive plan? No. Is that No. no. No. That's No. That separate that's again? that's separate. Yep. Okay. That's So just yearly you bonus. okay. So the incentive plan is basically, like, if there's no accidents on-site type of thing? Kind of. Yeah. Yep. Yep. They call it all in jury frequency rate plus Yep. how the business is going, which is all completely out of my hand. Yep. But that's just what they do. So if Okay. you like, last year, it was, yeah, $12,000, right, Yep. before tax, obviously. Yeah. And this year, it's it's well, yeah. It's $11.11 $6.79 according to the letter, Yep. plus super paid on it. That's right. So if you just bank a bit, this is, like, $10 for a busy number to work with? Yeah. No. That's that's absolutely easy. So I I guess there's a there's a there's a a couple of points on it. Because, obviously, like, the 200,000 is what the the total remuneration benefit is, Yes. which Correct. does include the super the two super components that they outlined, which Yeah. combining the two of those means you're sort of on 15 let's just call it 15.5 to keep it roundish, which you could put up to $30 into the fund within a year before triggering things We're 30 I think two we're and a half it's really our last conversation as well just because now. of the my choice of employment and whatever.","start_word":169,"end_word":724,"sentiment":"neutral","sentiment_score":0.046205556154143894},{"text":"I'm getting hammered in my insurance.","start_word":725,"end_word":730,"sentiment":"negative","sentiment_score":-0.4975482225418091},{"text":"Yes. Yeah.","start_word":731,"end_word":732,"sentiment":"neutral","sentiment_score":-0.1951248049736023},{"text":"My insurance is hammering my super. So that's one, I'm getting older, so it's probably more likely to get sick or car cut Something or happens?","start_word":733,"end_word":758,"sentiment":"negative","sentiment_score":-0.43749579787254333},{"text":"needs some kind of something. We should have Yeah.","start_word":759,"end_word":767,"sentiment":"neutral","sentiment_score":-0.24327291548252103},{"text":"sucks to entertain the fact of lowering the price and all that.","start_word":768,"end_word":779,"sentiment":"negative","sentiment_score":-0.5763286352157593},{"text":"Yep. So that's why I just let's just look at how much I can chuck into the super the extra Well, did you with it. did you get my email after we spoke that breaks down your insurance and a few of the options? Would like, do you need me to send it again? But then I looked at it and I thought, let's just wait till we have this conversation about my total remuneration package. Yeah. Yeah. Let let me let me send it to you again because I I, I grabbed it this morning so I could bring Yeah. it up and remind myself about all the sections, I guess. Yep. So I've just pressed send on that again, so you should have that in a hot second. And then, yeah, I guess, like, with the with the But contributions, did it come from did this come from Veronica's email or yours? the I I just sent it from mine. So you'll have it from me But maybe right it does now. the old one. Have I gone to your spam?","start_word":780,"end_word":962,"sentiment":"neutral","sentiment_score":0.05148089677095413},{"text":"That's sad. But we Not see sure why I guess sometimes some email things are called junk and some are called spam.","start_word":963,"end_word":984,"sentiment":"negative","sentiment_score":-0.3718671798706054},{"text":"oh, I know. Why I just agree on one? Yeah. Just make it all the same. I guess with with this, like, salary sacrificing, what amount of money would you be willing to forego each month? I'm assuming, like, What generally, the noise? mine So sites so pay so monthly.","start_word":985,"end_word":1034,"sentiment":"neutral","sentiment_score":-0.05701819062232971},{"text":"I think what was the it's an excellent 32 thirty grand and a a year.","start_word":1035,"end_word":1049,"sentiment":"positive","sentiment_score":0.3524087369441986},{"text":"0.5. 30 Yeah. 2.5. What's that? 2.5 a month? On top of what you're already paying? Because, like, let's just so it's 15 it's, like, $15.05. 1,416 and change is what you could pop in Oh, so 32 is the maximum. It's already for the inclusive year, of the of and the it's year. inclusive Okay. of what your employer already pays. We like, if you wanted to put more in, we definitely can because we can look backwards on, like, previous years to pull money from previous years' contributions. So caps that you haven't previously used, we could utilize those cap spaces. Oh, right. Yeah. Yeah. Oh, so you can just keep going back for as long as you want. Not as Five long as years. you want. There's only five yeah. Five yeah. Correct. Yeah. You Five haven't years. yet. I can't. Yep. Okay. But so yeah. So what we need to work out is how that affects my take home, I guess, of what I'm willing to Years. Forego or lose. to go. Yeah. Because you you won't feel the same effect. So with with your take home, obviously, you get taxed at your marginal rate. So if you say put Yeah. a $100 into your fund well, let's just say well, let's just say we put $10 into your fund across the year in addition to what your employer puts in. Let's ignore the employer. It's just $10 comes out of your take home, it goes into your fund. Rather than be taxed on 47%, which means that you would only be getting, you know, roughly $5 of that in pocket, the super fund gets 10% and only is only taxed at 15% rather than 47.","start_word":1050,"end_word":1339,"sentiment":"neutral","sentiment_score":0.02273728959262371},{"text":"So Yep. you basically cut the government out of, you know, a good decent 30% tax, nearly.","start_word":1340,"end_word":1356,"sentiment":"positive","sentiment_score":0.4559809863567352},{"text":"Yep.","start_word":1357,"end_word":1357,"sentiment":"neutral","sentiment_score":0.3176027238368988},{"text":"That's right.","start_word":1358,"end_word":1359,"sentiment":"positive","sentiment_score":0.36471784114837646},{"text":"So, yeah, we gotta work out crunch the numbers and work out how to beat the tax man and pump them on super a bit Yeah. And without I can I can work out the numbers so long as I know what parameters you wanna set as a hard line? As in, no. I I need x amount of money to live each pay yes. cycle. Okay. Let let's let's just say my take home would be I need to $9,000 a month to survive. 9,000 a month? Okay. Does that can you crunch those numbers? I can. Just give me one second, and I will go quiet so I can mess. You're just gonna chat to me too. Okay. Next session. Oh, chat chat g p t is really bad at math, let me tell you. It's actually really, really bad at math. It's a fantastic tool sometimes, but, honestly, it's actually Yeah. not What's giving a me great the mathematician. it's it's giving me the inspiration to ring you in because we're only paying you guys for such a service. Yeah. Okay. So that's base. I'm just working out what your actual income is because the letter obviously includes your super, which that's not that's not salary. You don't get taxed on that to the same degree. Yeah. No. So I understand that. if it was the sum of all of these figures Okay. So your actual salary is, as in what you get paid and taxed at a marginal rate on, is a $188,184.10 based on the base, the commute allowance, the function, the handover, and the STIP. Yep. So what I've Which what I you said you what said that what you're currently it sorry. well, keep me off this question as well because it's a $180,000 you start paying the way more tax, isn't it? 190. However, Oh, is if yeah. So a 190 is where you hit the highest tax bracket. it? Alright. If you you said you're also getting an extra 10% on top of what's listed in this remuneration Yes. Current just package. currently. That that's just sort of ad hoc but the last three Okay. months Okay. Do you know was an estimation on how long that's gonna go for? Because, like, we're we're a month no. into this financial year. No. Let's not count it. Okay. We work out, but that's fine. Yep. No.","start_word":1360,"end_word":1763,"sentiment":"neutral","sentiment_score":-0.0031032598217820176},{"text":"Because, Because that's realistically just when the boss wants to turn off and fair.","start_word":1764,"end_word":1777,"sentiment":"negative","sentiment_score":-0.3772496283054352},{"text":"yeah. Because, realistically, you've already been paid for one of those months because where if you've done it for two months, you're well, a month into this financial year. Yep. So divide that twelve. And then and let's just say you do it for another month, that'll that if you do that for one more month in this financial year, it'll push you over the one ninety. Just it'll push you over the one ninety. Because each month that you do that Yep. job, Yeah. Yes. you will basically, you're walking home with nearly a well, you're getting nearly a thousand dollars in taxable income, which Yep. your $2 from the the the highest tax bracket is Gotcha. where you're basically at. Yes. Yeah. That's right. So there's one of two ways that we could plan this. We can salary sacrifice, which is dollar cost averaging, putting money in regularly into the super fund, which long term does work out better. Yep. And then we just have to know exactly what you do or don't want to live without each each pay cycle, Yep. Or we get to basically June June May June. I don't never like saying too far into June, but end of May, really. And we look at what your payslip was. We can basically average out based on what you've earned, what you would earn for the rest of the financial year. And then we go, cool. We need to forego x amount of money to make it the most tax effective. Less Oh, so you can do it in a lump sum. Do you mean? yeah. You could do it in a lump sum. Absolutely. But you have Yeah. to have the cash available to do that, and it is less effective from a compounding interest in the fund methods.","start_word":1778,"end_word":2082,"sentiment":"neutral","sentiment_score":0.02647845926465558},{"text":"No. I wouldn't trust myself to have that kind of funds available.","start_word":2083,"end_word":2094,"sentiment":"negative","sentiment_score":-0.378534197807312},{"text":"Yep. But if we just go off your base, so it's a $1.88, $1.84, and 40 and 10<unk>, what that basically means is for this financial year, your annual take home is about a $133,722, or monthly, that's $11,141, ignoring the increase of role that you are currently doing. Alright. I see where that's because I only get about nine closer to the high nines because that stip payment is a one off payment in March. Understood. So I don't get that until maybe Ongoing. take that out of the equation and Take just that out. have that Absolutely. as an actual bonus. As an ad hoc bonus that you can yep. Absolutely. Cool. Alright. Yeah. So that changes so your gross salary, ignoring the FIP, is $1.07 $6.05 $0.04, which monthly is $10.05 44. It's about that. Yeah. Cool. And 67<unk>. So Because that's that seems never guaranteed. I mean, it's they never yep. haven't paid it or but it's better to use it as an actual bonus as opposed But to it the state. it can, yeah, it can change. It's not a guaranteed 10%. It's a if the company does really well, we'll pay you x amount of percentage on the earnings that we've earned and or however Yep. they kind of calculate it. Yeah. No. I have plenty of clients that have that. It's a the bonus calculated at a specific time of of the year. Yep. Okay. So, realistically, we have about $1,500 that we can play with Yes. out of your out of your gross out of your net income. Yes. It's just a matter of me working out what that looks like gross, so without the tax Correct. implication on it, which I can do. It's not generally something I do on the phone with someone, but I can do it and then email it to you if they have it in writing, and I can give a few options and how that affects you tax wise broken down.","start_word":2095,"end_word":2430,"sentiment":"neutral","sentiment_score":0.061098043876145744},{"text":"So that way you can see if I do this, this is the tax implications, and this is how much tax I would it I, you know, I would save.","start_word":2431,"end_word":2460,"sentiment":"positive","sentiment_score":0.43061208724975586},{"text":"And I can show you because, obviously, Yeah. any money you put in yeah. Sorry. How does that I mean, that surely is gonna help my super stuff too long Yeah.","start_word":2461,"end_word":2491,"sentiment":"neutral","sentiment_score":0.008059700019657612},{"text":"and not make the the insurance and income protection, all that kind of stuff so painful.","start_word":2492,"end_word":2507,"sentiment":"negative","sentiment_score":-0.3700303137302398},{"text":"I mean, I still kind of want to make some changes to your insurance policy if you're amenable to it. Yes. I think part of my my thought process with that is I just needed to get your and we needed to do this. Then also, I need to just go for a full fifty because I'm fifty years soon soon. Yeah. So I was gonna go full medical. I don't wanna drop my, you know, whatever. You know, I don't like to be a pessimist here, but I didn't wanna Yeah. go for you know, I'll call. We'll drop this down to whatever.","start_word":2508,"end_word":2611,"sentiment":"neutral","sentiment_score":-0.06060297414660454},{"text":"Oh, shit, Craig. You've got prostate cancer. You're gonna die in no. No.","start_word":2612,"end_word":2624,"sentiment":"negative","sentiment_score":-0.5506731088344867},{"text":"I'm saying that I am. But you know what I mean?","start_word":2625,"end_word":2635,"sentiment":"neutral","sentiment_score":-0.15845878422260284},{"text":"No.","start_word":2636,"end_word":2636,"sentiment":"negative","sentiment_score":-0.3924958705902099},{"text":"I would much rather get all my full medicals done before I Drop it. go drop it. I'm fit Yeah.","start_word":2637,"end_word":2656,"sentiment":"neutral","sentiment_score":-0.12808941304683685},{"text":"and healthy.","start_word":2657,"end_word":2658,"sentiment":"positive","sentiment_score":0.41988274455070496},{"text":"It it's not nothing's saying that I'm gonna catch it tomorrow. Yeah. But But it it it just poor gives you that it gives you that reassurance of wifey. Yes. That's right. yeah. Well, the quotes are all there. Like, I I did up, I've got that. Yeah. Yep. yeah, quite a number of quotes just to show you where if what changes we make, how it kind of affects. And you can see, like, it it it drops it quite a bit. Yes. So that gives you a bit of sort of an idea on that front. Because currently, you you've you've got nearly 1.6. So, like, you know, if we cut it in half, it it drops it quite a bit if we, you know, stepped it from there. You can Yep. see. I'm not sure I'm not sure how sorry. I'm just looking at this now. There is a ninety day wait on income protection. Yep. I wonder if that's would that would that change if I change it to a one year wait? Yeah. We I can look at a one Because year works things wait. of course, we're living Yep. in a never ending changing world. Yep. Works just come out with new they took out all their sick leave away. Well, will they change it from we used to have fifty two days sick leave a year, which is Yep. absolutely which was amazing. But they thought, no. There's so many budgets here. We're just coughing it too hard. So they changed it to 15. But now if you're got a serious injury or illness, they'll pay you full rate at that remuneration that I've given you there for a full Yep. year. Okay. Whether you they used to only do that for three On months. If you say even then they drop Yep. you down to your base salary. Yes. Salary continues. Take a look. I've got rid of that, and they pay And you it's full full. slaver for one year. Okay. And then the thing is even after it's manager approval after it, so you likely get a bit more than a year. But that that ninety Yeah. day wait period for that, that was always because they they would cover me for three months at full pay. Yes. But now that's twelve, It's twelve essentially. Okay. Yes. Let me I I mean, I have to go back to the insurer and and check the twelve months, but I can definitely do that. I'll send them an email straight off the back months. of this phone call. I could do all Yeah. the, sales tax Sorry calculations to change things, but today. it's just something that No. I I Don't. you know, I No. wanna get That's all okay. these things right before We make the changes. yeah. Yeah. Well, Yeah. I can, I can do all the salary continuance sorry? Sales calculations, tax implications, and all that, and I can lay it out for you just so you can see like, I'll do basically what your what your what tax you pay now, both your superannuation rate and your marginal rate. And then Yeah. I'll show you, you know, if we go the basically full 1,500 a month into your super fund, what that looks like and how that'll kind of trigger things. My only question is just because I do need to do my due diligence, because if we put 1,500 in, we are going to exceed the cap for the year, which, again, I'm not actually that concerned about because I know you do have room, but I wanna Yeah. know how much room. Are you do you have access to myGov and the ATO? Yes? Do you think you Yeah. can log in? And what I'll do is I can talk you through how to access what I want you to access, and if you can take a screenshot and email it to me. I know. That's the last I could No. You're you're okay. goes. Just let me know when you're actually signed in.","start_word":2659,"end_word":3346,"sentiment":"neutral","sentiment_score":-0.008516925950209761},{"text":"That's painful as sign in processes. He's asked to he he said that that it's painful and proving to be fine.","start_word":3347,"end_word":3367,"sentiment":"negative","sentiment_score":-0.5865267515182495},{"text":"Yeah.","start_word":3368,"end_word":3368,"sentiment":"neutral","sentiment_score":-0.2783253788948059},{"text":"They don't make it easy.","start_word":3369,"end_word":3373,"sentiment":"negative","sentiment_score":-0.3392893671989441},{"text":"Do you want me to find him on me? Can I go to my Here we go? Okay. I've logged in.","start_word":3374,"end_word":3394,"sentiment":"neutral","sentiment_score":-0.00804250966757536},{"text":"Perfect.","start_word":3395,"end_word":3395,"sentiment":"positive","sentiment_score":0.4762936234474182},{"text":"So if you're in myGov, all you need to do is go down to the, like, the linked ATO service, Yep. and that'll take you through the ATO site. Now once you're on the ATO site, there is a menu button. In the menu button, go to super and then information and then carry forward concessional contributions. There's no menu as such. What am I looking for? Sorry. You'll be are you on a computer or a phone or an iPad? Computer. Cool. There'll be a bar at the top, Yeah. and it'll say super. If you click on or hover over that super button, Yep. it'll provide a drop down information, hover over that, and Yep. then carry forward concessional contributions. Gotcha. It's how I navigated this site a couple of times. Yeah. That'll bring you up to a page. It says carry forward concessional contributions, blah blah blah blah blah. It'll have a total amount. If you click on the drop down, so it'll say, like, show more details, which you can click Yeah. on. It gives you a breakdown of each financial years, what you made as a contribution, and what you have as an unused concessional contribution cap. If you're able to print screen that, if you're on a computer, Yeah. you should just be able to go to the top right corner and go print the PDF. Yep. And send that to me. That'll just give me I've learned something in my, year Snagit or snippet. yep.","start_word":3396,"end_word":3647,"sentiment":"neutral","sentiment_score":0.0739384905272533},{"text":"Sniff it. That works too. Absolutely.","start_word":3648,"end_word":3653,"sentiment":"positive","sentiment_score":0.4366443157196045},{"text":"Yeah. And so long as I have each of the breakdowns, that'll Yes. give me everything I need, and I can just make sure that we're obviously I'm covering myself off and making sure that I'm you know, we're not gonna breach anything. We're not gonna incur 49% tax in your super fund. Okay. Because if Just we breach if we breach all of these caps, that's what we're gonna end up doing. This will Incur. Incur a higher tax rate. Yep. Fair enough. Yep. Yeah. I can confirm I have an independent, but, yeah, that's why I understand you need to do a bit. Yeah. And it just it it allows me to kinda track how much we'll use ongoing if we do this long term, how much of each cap we'll use and give us benefits that way? Okay. I'm just trying to find out how to reply to your My email? email. Of course, it's alright. And I'm not even gonna put a there you go. I'll just press the send button there, so you should get that.","start_word":3654,"end_word":3834,"sentiment":"neutral","sentiment_score":0.11850426346063614},{"text":"That's absolutely fine.","start_word":3835,"end_word":3837,"sentiment":"positive","sentiment_score":0.37637197971343994},{"text":"Okay.","start_word":3838,"end_word":3838,"sentiment":"neutral","sentiment_score":0.3093031644821167},{"text":"The best email is the most concise and informal.","start_word":3839,"end_word":3847,"sentiment":"positive","sentiment_score":0.4697057902812958},{"text":"Yes.","start_word":3848,"end_word":3848,"sentiment":"neutral","sentiment_score":0.32960745692253113},{"text":"Yep. Perfect. And that has come through.","start_word":3849,"end_word":3855,"sentiment":"positive","sentiment_score":0.4658918082714081},{"text":"I had That's a what quick you need? email.","start_word":3856,"end_word":3864,"sentiment":"neutral","sentiment_score":0.1862775683403015},{"text":"That is what I need. That is perfect. Yeah. That gives me everything.","start_word":3865,"end_word":3877,"sentiment":"positive","sentiment_score":0.44307592511177063},{"text":"So what I'll do is I will do a breakdown of the tax. So long as you guys are comfortable with 9,000 take home each month, and you're set on that amount. And we can go from there. Yeah. Yeah. I'll give you a few I'll give you a few options, a few different breakdowns, and I'll I'll map it all out.","start_word":3878,"end_word":3939,"sentiment":"neutral","sentiment_score":0.2435847285293764},{"text":"Thanks. And I'll just show you the tax implications of each of them, and And I'll then get that just through give it to some you today.","start_word":3940,"end_word":3966,"sentiment":"positive","sentiment_score":0.356433242559433},{"text":"give it some of the super implications as well.","start_word":3967,"end_word":3975,"sentiment":"neutral","sentiment_score":0.27790626883506775},{"text":"Absolutely. Of course, we're doing this for a purpose.","start_word":3976,"end_word":3984,"sentiment":"positive","sentiment_score":0.5254552364349365},{"text":"And if you if I see my super just going gangbusters compared to where it was, of course, it's gonna be incentive to keep on doing it. Yeah. Yeah.","start_word":3985,"end_word":4013,"sentiment":"neutral","sentiment_score":0.26817241311073303},{"text":"Yep. I could do that.","start_word":4014,"end_word":4018,"sentiment":"positive","sentiment_score":0.3872688412666321},{"text":"Alright. And and if I could put it in, just with that Cool. email lost to just about that Well, income protection, I think, or whatever it I'll is for a twelve year twelve month twelve waiting months. period? Yeah. Yeah. I'll push it through to the insurer. And once I get back once I hear back from them, I'll flick you the updated premium and what it looks like just so you have a a comparison. Option six, That's correct. call it. Yeah. Yep. Nails. Thank you. No. That's too easy. Alright. Well, I'll I'll get cracking. You'll have some information from me now and probably a little bit of it in a few days once I hear back from the insurer. No. That was And you reckon the service stop for the will be today? In the the the the concessional contributions, I can, yeah, I can map out all the tax now. I have I have an hour and a half that I can I can sit down and dedicate it to it now, and then I have a bit of time this afternoon or this evening that I'll I'll I'll be able to finish it off and and get you at least, like, the the tax implications of, you know, different amounts that we can pop in? So that way, at least you have that breakdown, and I'll once I get all the information, I'll consolidate into one big email and give it to you in one big place. But I just Yeah. wanna get you the information as much as possible.","start_word":4019,"end_word":4284,"sentiment":"neutral","sentiment_score":0.11652619218019616},{"text":"Yeah. That's great. Perfect. Cool. Cool. Alright.","start_word":4285,"end_word":4291,"sentiment":"positive","sentiment_score":0.6888222694396973},{"text":"If there's Thank any other you. tidbits or bits of information that pop up, feel free to just flick it through me in an email. I can consider that. No, bros. Alright.","start_word":4292,"end_word":4323,"sentiment":"neutral","sentiment_score":0.16522705554962158},{"text":"Perfect. I'll, I'll get cracking then.","start_word":4324,"end_word":4329,"sentiment":"positive","sentiment_score":0.437008798122406},{"text":"Cheese, Bubba. Bye, Craig. Bye.","start_word":4330,"end_word":4334,"sentiment":"neutral","sentiment_score":0.23604616522789}],"average":{"sentiment":"neutral","sentiment_score":0.039740477764057945}}}}