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I was just giving you a call just following on from a conversation that you had with one of my colleagues this morning with regards to Compassionate Grant's claim. You had time now? Yeah. Cool. Before we jump into it, our calls are recorded if that's okay. And if I could just get you confirmed security, full name, date of birth, and address? Perfect. Thank you for that. Okay. So I wanna explain this. Yeah. Yeah. I I understand exactly where your inquiry comes from and and why, I guess, you would think that. So so a compassionate grounds claim comes out of your superannuation fund. The super fund withholds tax on your behalf, and it's the lower of either your marginal tax rate or 22%. Now what they do is that is tax paid. Now from the funds that are distributed, there is generally money held in different components. So superannuation can be held, like, under a tax free component or taxable component. Now your whole benefit is held in a taxable component, which means that it has been only taxed at the 15% superannuation rate. Now what the ATO does is they essentially add that onto your taxable income, but you've already paid tax on it. So it's not going to have a massive effect on your tax return because it's already tax paid. You won't be taxed it won't be taxed at a full amount. So it's not like you'll be taxed at your marginal rate on top of. It'll just be if there is anything that is unpaid. Yeah. So so okay. Mhmm. It'll depend on what your so it it depends on what your income is, what tax you've paid already. Because, obviously, like, when you when you earn an income, your employer pays tax on your behalf, and essentially, that's exactly what's happened with the Superfund is they've paid tax on your behalf. So it just depends on when all of that money is added together. Yeah. Yeah. Yeah. Actually, your tax bracket won't change at those figures. No. So your tax bracket your tax bracket won't change on those figures. You're gonna remain within the 30% tax bracket rate. So it it it it's not gonna push you up into a into a different tax bracket at all on that side, so that's good. Where where I think so let let's let's do it this way. If you were a contractor, okay, and you were to and you were to earn an income and pay no tax, you would then owe the tax man at the end of the year because you haven't paid anything. What happened is irrespective of income sources, the money has come in from employer and your super fund. You you have or, essentially, your employer and the super fund have on your behalf paid what they believe is an appropriate tax amount. Because, realistically, employers do, unfortunately, screw it up from time to time, and I do see it a lot where they pay too much or too little. Or all of a sudden a bonus comes in. And what happens then is when you go to do your tax return, the income that you've earned from all income sources is added together. The the tax the tax that you've paid from all income sources is added together, and they go, this is the amount that you've earned as assessable income. This is what your deductions are. This is how much tax you would pay, Basically. Yeah. But they're they're not they don't tax it's it's taxed very differently to to income because they try to not tax it fully. It's tip it's taxed at the lower of either the marginal tax rate or 22%, which your marginal rate is 30%, so 22. Yeah. So you you self lodge your tax returns? Yeah. So when you do your tax returns, you'll notice that down, like, the left hand side, could be the right hand side now. It's been a couple years since I've seen the etax. But there there's all the letters down the side that basically break up each of the line items. Yep. And you'll just when you're going through it, you'll be able to add it in there. And it it will make logical sense once you're kinda looking at it. If it doesn't make logical sense, give me a call, and I can jump on to the etax system, and I can run through with you at the same time. No. That's okay. That's okay. Does it make a little bit more sense? I know it's still frustrating. Yeah. Look. The good thing is is you're not on Centrelink benefits because if you were, you would owe a Centrelink debt. A lot of people don't consider Centrelink and the fact that this is income, and then all of a sudden they've earned $24,000 and Centrelink is screaming for their money back. That's always a good one. No. That's okay, Paul. Give me a call when it comes time to do your tax if you do run into any issues. Larissa. That's okay. You have a good one. 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Paul. Larissa here from Oakview Financial. How are you going? Yeah. Good.\n\nThank you. I was just giving you a call just following on from a conversation that you had with one of my colleagues this morning with regards to Compassionate Grant's claim. You had time now? Yeah. Cool.\n\nBefore we jump into it, our calls are recorded if that's okay. And if I could just get you confirmed security, full name, date of birth, and address? Perfect. Thank you for that. Okay.\n\nSo I wanna explain this. Yeah. Yeah. I I understand exactly where your inquiry comes from and and why, I guess, you would think that. So so a compassionate grounds claim comes out of your superannuation fund.\n\nThe super fund withholds tax on your behalf, and it's the lower of either your marginal tax rate or 22%. Now what they do is that is tax paid. Now from the funds that are distributed, there is generally money held in different components. So superannuation can be held, like, under a tax free component or taxable component. Now your whole benefit is held in a taxable component, which means that it has been only taxed at the 15% superannuation rate.\n\nNow what the ATO does is they essentially add that onto your taxable income, but you've already paid tax on it. So it's not going to have a massive effect on your tax return because it's already tax paid. You won't be taxed it won't be taxed at a full amount. So it's not like you'll be taxed at your marginal rate on top of. It'll just be if there is anything that is unpaid.\n\nYeah. So so okay. Mhmm. It'll depend on what your so it it depends on what your income is, what tax you've paid already. Because, obviously, like, when you when you earn an income, your employer pays tax on your behalf, and essentially, that's exactly what's happened with the Superfund is they've paid tax on your behalf.\n\nSo it just depends on when all of that money is added together. Yeah. Yeah. Yeah. Actually, your tax bracket won't change at those figures.\n\nNo. So your tax bracket your tax bracket won't change on those figures. You're gonna remain within the 30% tax bracket rate. So it it it it's not gonna push you up into a into a different tax bracket at all on that side, so that's good. Where where I think so let let's let's do it this way.\n\nIf you were a contractor, okay, and you were to and you were to earn an income and pay no tax, you would then owe the tax man at the end of the year because you haven't paid anything. What happened is irrespective of income sources, the money has come in from employer and your super fund. You you have or, essentially, your employer and the super fund have on your behalf paid what they believe is an appropriate tax amount. Because, realistically, employers do, unfortunately, screw it up from time to time, and I do see it a lot where they pay too much or too little. Or all of a sudden a bonus comes in.\n\nAnd what happens then is when you go to do your tax return, the income that you've earned from all income sources is added together. The the tax the tax that you've paid from all income sources is added together, and they go, this is the amount that you've earned as assessable income. This is what your deductions are. This is how much tax you would pay, Basically. Yeah.\n\nBut they're they're not they don't tax it's it's taxed very differently to to income because they try to not tax it fully. It's tip it's taxed at the lower of either the marginal tax rate or 22%, which your marginal rate is 30%, so 22. Yeah. So you you self lodge your tax returns? Yeah.\n\nSo when you do your tax returns, you'll notice that down, like, the left hand side, could be the right hand side now. It's been a couple years since I've seen the etax. But there there's all the letters down the side that basically break up each of the line items. Yep. And you'll just when you're going through it, you'll be able to add it in there.\n\nAnd it it will make logical sense once you're kinda looking at it. If it doesn't make logical sense, give me a call, and I can jump on to the etax system, and I can run through with you at the same time. No. That's okay. That's okay.\n\nDoes it make a little bit more sense? I know it's still frustrating. Yeah. Look. The good thing is is you're not on Centrelink benefits because if you were, you would owe a Centrelink debt.\n\nA lot of people don't consider Centrelink and the fact that this is income, and then all of a sudden they've earned $24,000 and Centrelink is screaming for their money back. That's always a good one. No. That's okay, Paul. Give me a call when it comes time to do your tax if you do run into any issues.\n\nLarissa. That's okay. You have a good one. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Paul.","start":2.6399999,"end":3.36,"sentiment":"neutral","sentiment_score":0.19015972316265106},{"text":"Larissa here from Oakview Financial.","start":3.36,"end":5.2799997,"sentiment":"neutral","sentiment_score":0.21407129466533661},{"text":"How are you going?","start":5.2799997,"end":6.1,"sentiment":"neutral","sentiment_score":0.2565080597996712},{"text":"Yeah.","start":7.68,"end":8.16,"sentiment":"neutral","sentiment_score":0.30911991000175476},{"text":"Good.","start":8.16,"end":8.66,"sentiment":"positive","sentiment_score":0.6020745038986206}],"sentiment":"neutral","sentiment_score":0.26060789021161884,"num_words":13,"start":2.6399999,"end":8.66},{"sentences":[{"text":"Thank you.","start":8.72,"end":9.54,"sentiment":"positive","sentiment_score":0.6952636241912842},{"text":"I was just giving you a call just following on from a conversation that you had with one of my colleagues this morning with regards to Compassionate Grant's claim.","start":11.44,"end":18.275,"sentiment":"neutral","sentiment_score":0.10272204066658842},{"text":"You had time now?","start":18.275,"end":19.335,"sentiment":"neutral","sentiment_score":0.029021987691521645},{"text":"Yeah.","start":20.755,"end":21.074999,"sentiment":"neutral","sentiment_score":0.17084157466888428},{"text":"Cool.","start":21.074999,"end":21.474998,"sentiment":"neutral","sentiment_score":0.2240607738494873}],"sentiment":"neutral","sentiment_score":0.13190423586481326,"num_words":37,"start":8.72,"end":21.474998},{"sentences":[{"text":"Before we jump into it, our calls are recorded if that's okay.","start":21.474998,"end":24.055,"sentiment":"neutral","sentiment_score":0.06707137481619914},{"text":"And if I could just get you confirmed security, full name, date of birth, and address?","start":25.33,"end":28.23,"sentiment":"neutral","sentiment_score":0.05830029060598463},{"text":"Perfect.","start":34.69,"end":35.09,"sentiment":"positive","sentiment_score":0.5729458332061768},{"text":"Thank you for that.","start":35.09,"end":36.07,"sentiment":"positive","sentiment_score":0.6366958916187286},{"text":"Okay.","start":36.13,"end":36.61,"sentiment":"neutral","sentiment_score":0.10508829355239868}],"sentiment":"neutral","sentiment_score":0.14595526002128334,"num_words":34,"start":21.474998,"end":36.61},{"sentences":[{"text":"So I wanna explain this.","start":36.61,"end":41.704998,"sentiment":"neutral","sentiment_score":0.009377244114875793},{"text":"Yeah.","start":44.565,"end":45.065,"sentiment":"neutral","sentiment_score":-0.014053655788302422},{"text":"Yeah.","start":45.605,"end":46.085,"sentiment":"neutral","sentiment_score":-0.014734184369444849},{"text":"I I understand exactly where your inquiry comes from and and why, I guess, you would think that.","start":46.085,"end":53.385,"sentiment":"neutral","sentiment_score":-0.05144921690225601},{"text":"So so a compassionate grounds claim comes out of your superannuation fund.","start":54.940002,"end":61.120003,"sentiment":"neutral","sentiment_score":-0.04106563857446114}],"sentiment":"neutral","sentiment_score":-0.03785878883020298,"num_words":37,"start":36.61,"end":61.120003},{"sentences":[{"text":"The super fund withholds tax on your behalf, and it's the lower of either your marginal tax rate or 22%.","start":61.18,"end":68.96,"sentiment":"neutral","sentiment_score":-0.04505675351247192},{"text":"Now what they do is that is tax paid.","start":70.274994,"end":73.015,"sentiment":"neutral","sentiment_score":-0.04587730227245225},{"text":"Now from the funds that are distributed, there is generally money held in different components.","start":73.795,"end":81.255,"sentiment":"neutral","sentiment_score":-0.028737294549743334},{"text":"So superannuation can be held, like, under a tax free component or taxable component.","start":81.795,"end":88.35,"sentiment":"neutral","sentiment_score":-0.014139384962618351},{"text":"Now your whole benefit is held in a taxable component, which means that it has been only taxed at the 15% superannuation rate.","start":88.81,"end":98.67,"sentiment":"neutral","sentiment_score":-0.008884297623096601}],"sentiment":"neutral","sentiment_score":-0.026510869675994288,"num_words":81,"start":61.18,"end":98.67},{"sentences":[{"text":"Now what the ATO does is they essentially add that onto your taxable income, but you've already paid tax on it.","start":99.405,"end":110.945,"sentiment":"neutral","sentiment_score":0.019335645783160414},{"text":"So it's not going to have a massive effect on your tax return because it's already tax paid.","start":111.245,"end":118.740005,"sentiment":"neutral","sentiment_score":-0.0030852945314513314},{"text":"You won't be taxed it won't be taxed at a full amount.","start":148.19,"end":151.845,"sentiment":"negative","sentiment_score":-0.497828833758831},{"text":"So it's not like you'll be taxed at your marginal rate on top of.","start":152.46501,"end":155.82501,"sentiment":"neutral","sentiment_score":-0.32459451045308796},{"text":"It'll just be if there is anything that is unpaid.","start":155.82501,"end":159.685,"sentiment":"neutral","sentiment_score":-0.308576925098896}],"sentiment":"neutral","sentiment_score":-0.17671366856743892,"num_words":75,"start":99.405,"end":159.685},{"sentences":[{"text":"Yeah.","start":165.52,"end":165.84,"sentiment":"neutral","sentiment_score":-0.11326347291469574},{"text":"So so okay.","start":165.84,"end":170.67,"sentiment":"neutral","sentiment_score":0.03636966645717621},{"text":"Mhmm.","start":176.49501,"end":176.99501,"sentiment":"neutral","sentiment_score":-0.025055699050426483},{"text":"It'll depend on what your so it it depends on what your income is, what tax you've paid already.","start":184.175,"end":191.31,"sentiment":"neutral","sentiment_score":-0.12277465274459437},{"text":"Because, obviously, like, when you when you earn an income, your employer pays tax on your behalf, and essentially, that's exactly what's happened with the Superfund is they've paid tax on your behalf.","start":191.31,"end":202.36499,"sentiment":"neutral","sentiment_score":-0.11044065270460013}],"sentiment":"neutral","sentiment_score":-0.10537666866653844,"num_words":57,"start":165.52,"end":202.36499},{"sentences":[{"text":"So it just depends on when all of that money is added together.","start":204.345,"end":207.885,"sentiment":"neutral","sentiment_score":-0.07137289958504531},{"text":"Yeah.","start":216.76,"end":217.26,"sentiment":"neutral","sentiment_score":-0.10448437184095384},{"text":"Yeah.","start":243.90999,"end":244.40999,"sentiment":"neutral","sentiment_score":-0.1293843388557434},{"text":"Yeah.","start":253.125,"end":253.625,"sentiment":"neutral","sentiment_score":-0.02914477325975895},{"text":"Actually, your tax bracket won't change at those figures.","start":266.5,"end":268.76,"sentiment":"neutral","sentiment_score":-0.17413292287124527}],"sentiment":"neutral","sentiment_score":-0.1103222993761301,"num_words":25,"start":204.345,"end":268.76},{"sentences":[{"text":"No.","start":270.34,"end":270.84,"sentiment":"neutral","sentiment_score":-0.1665186583995819},{"text":"So your tax bracket your tax bracket won't change on those figures.","start":273.62,"end":276.74503,"sentiment":"neutral","sentiment_score":-0.04048222148170074},{"text":"You're gonna remain within the 30% tax bracket rate.","start":276.885,"end":281.30502,"sentiment":"neutral","sentiment_score":0.06422665880786048},{"text":"So it it it it's not gonna push you up into a into a different tax bracket at all on that side, so that's good.","start":282.165,"end":289.19,"sentiment":"neutral","sentiment_score":-0.014411415755748749},{"text":"Where where I think so let let's let's do it this way.","start":290.93,"end":297.19,"sentiment":"neutral","sentiment_score":0.03274380089715123}],"sentiment":"neutral","sentiment_score":-0.0007055113565618709,"num_words":59,"start":270.34,"end":297.19},{"sentences":[{"text":"If you were a contractor, okay, and you were to and you were to earn an income and pay no tax, you would then owe the tax man at the end of the year because you haven't paid anything.","start":297.40997,"end":315.66,"sentiment":"neutral","sentiment_score":-0.05708737456454681},{"text":"What happened is irrespective of income sources, the money has come in from employer and your super fund.","start":317.32,"end":326.7,"sentiment":"neutral","sentiment_score":-0.029821119374699064},{"text":"You you have or, essentially, your employer and the super fund have on your behalf paid what they believe is an appropriate tax amount.","start":327.36502,"end":334.58502,"sentiment":"neutral","sentiment_score":-0.029557860922068357},{"text":"Because, realistically, employers do, unfortunately, screw it up from time to time, and I do see it a lot where they pay too much or too little.","start":335.52502,"end":341.70502,"sentiment":"neutral","sentiment_score":-0.32021701446285955},{"text":"Or all of a sudden a bonus comes in.","start":341.95,"end":343.89,"sentiment":"neutral","sentiment_score":0.06135683092806074}],"sentiment":"neutral","sentiment_score":-0.0988566182139847,"num_words":117,"start":297.40997,"end":343.89},{"sentences":[{"text":"And what happens then is when you go to do your tax return, the income that you've earned from all income sources is added together.","start":345.31,"end":353.09,"sentiment":"neutral","sentiment_score":0.06520992964506149},{"text":"The the tax the tax that you've paid from all income sources is added together, and they go, this is the amount that you've earned as assessable income.","start":353.55002,"end":361.995,"sentiment":"neutral","sentiment_score":0.08447232363479477},{"text":"This is what your deductions are.","start":362.775,"end":364.63498,"sentiment":"neutral","sentiment_score":0.055623905112346016},{"text":"This is how much tax you would pay, Basically.","start":365.01498,"end":368.36,"sentiment":"neutral","sentiment_score":0.008939073731501898},{"text":"Yeah.","start":372.66,"end":372.97998,"sentiment":"neutral","sentiment_score":0.003208685666322708}],"sentiment":"neutral","sentiment_score":0.06395474033079286,"num_words":69,"start":345.31,"end":372.97998},{"sentences":[{"text":"But they're they're not they don't tax it's it's taxed very differently to to income because they try to not tax it fully.","start":372.97998,"end":381.365,"sentiment":"neutral","sentiment_score":-0.18126262611021166},{"text":"It's tip it's taxed at the lower of either the marginal tax rate or 22%, which your marginal rate is 30%, so 22.","start":381.365,"end":390.505,"sentiment":"neutral","sentiment_score":-0.0732704273060612},{"text":"Yeah.","start":406.035,"end":406.275,"sentiment":"neutral","sentiment_score":-0.016298776492476463},{"text":"So you you self lodge your tax returns?","start":406.275,"end":410.275,"sentiment":"neutral","sentiment_score":-0.020189836621284485},{"text":"Yeah.","start":410.275,"end":410.595,"sentiment":"neutral","sentiment_score":-0.0005947407335042953}],"sentiment":"neutral","sentiment_score":-0.1077262935494738,"num_words":56,"start":372.97998,"end":410.595},{"sentences":[{"text":"So when you do your tax returns, you'll notice that down, like, the left hand side, could be the right hand side now.","start":410.595,"end":417.25,"sentiment":"neutral","sentiment_score":0.012990208545132824},{"text":"It's been a couple years since I've seen the etax.","start":417.25,"end":419.27002,"sentiment":"neutral","sentiment_score":-0.009684577165171505},{"text":"But there there's all the letters down the side that basically break up each of the line items.","start":420.29,"end":426.63,"sentiment":"neutral","sentiment_score":0.011370673154791197},{"text":"Yep.","start":427.25,"end":427.75,"sentiment":"neutral","sentiment_score":0.14532437920570374},{"text":"And you'll just when you're going through it, you'll be able to add it in there.","start":427.81003,"end":431.11502,"sentiment":"neutral","sentiment_score":0.14293137891218066}],"sentiment":"neutral","sentiment_score":0.04174746446284082,"num_words":68,"start":410.595,"end":431.11502},{"sentences":[{"text":"And it it will make logical sense once you're kinda looking at it.","start":431.11502,"end":433.83502,"sentiment":"neutral","sentiment_score":0.1454256813113506},{"text":"If it doesn't make logical sense, give me a call, and I can jump on to the etax system, and I can run through with you at the same time.","start":433.83502,"end":441.61502,"sentiment":"neutral","sentiment_score":0.04883755395809809},{"text":"No.","start":445.19,"end":445.35,"sentiment":"neutral","sentiment_score":0.0984872579574585},{"text":"That's okay.","start":445.35,"end":446.15,"sentiment":"neutral","sentiment_score":0.15205305069684982},{"text":"That's okay.","start":446.15,"end":446.71,"sentiment":"neutral","sentiment_score":0.11709381639957428}],"sentiment":"neutral","sentiment_score":0.08317586391543348,"num_words":48,"start":431.11502,"end":446.71},{"sentences":[{"text":"Does it make a little bit more sense?","start":446.71,"end":448.06998,"sentiment":"neutral","sentiment_score":0.0014206834603101015},{"text":"I know it's still frustrating.","start":448.06998,"end":449.21,"sentiment":"neutral","sentiment_score":-0.033982896804809565},{"text":"Yeah.","start":453.27,"end":453.75,"sentiment":"neutral","sentiment_score":0.032231416553258896},{"text":"Look.","start":453.75,"end":453.99,"sentiment":"neutral","sentiment_score":0.03936241567134857},{"text":"The good thing is is you're not on Centrelink benefits because if you were, you would owe a Centrelink debt.","start":453.99,"end":460.205,"sentiment":"neutral","sentiment_score":0.02776739656110294}],"sentiment":"neutral","sentiment_score":0.01338264991728855,"num_words":35,"start":446.71,"end":460.205},{"sentences":[{"text":"A lot of people don't consider Centrelink and the fact that this is income, and then all of a sudden they've earned $24,000 and Centrelink is screaming for their money back.","start":460.205,"end":468.54498,"sentiment":"neutral","sentiment_score":-0.04848414695551319},{"text":"That's always a good one.","start":469.165,"end":470.54498,"sentiment":"positive","sentiment_score":0.3354871153831482},{"text":"No.","start":475.54,"end":475.86,"sentiment":"neutral","sentiment_score":-0.010795339941978456},{"text":"That's okay, Paul.","start":475.86,"end":477.22,"sentiment":"neutral","sentiment_score":0.035709076250592865},{"text":"Give me a call when it comes time to do your tax if you do run into any issues.","start":477.22,"end":480.76,"sentiment":"neutral","sentiment_score":0.034214913845062256}],"sentiment":"neutral","sentiment_score":0.015607496155268056,"num_words":59,"start":460.205,"end":480.76},{"sentences":[{"text":"Larissa.","start":484.18,"end":484.68,"sentiment":"neutral","sentiment_score":0.020059891045093536},{"text":"That's okay.","start":489.16895,"end":489.80893,"sentiment":"positive","sentiment_score":0.748645007610321},{"text":"You have a good one.","start":489.80893,"end":490.78894,"sentiment":"positive","sentiment_score":0.8402451515197754},{"text":"Bye.","start":492.92892,"end":493.42892,"sentiment":"positive","sentiment_score":0.4130857586860657}],"sentiment":"positive","sentiment_score":0.681295713616742,"num_words":9,"start":484.18,"end":493.42892}]}}]},{"alternatives":[{"transcript":"Hello. Paul speaking. Not too bad. Yourself? All good. Mhmm. Mhmm. Yes. Of course. Yes. Yep. Paul it's Paul Anthony Saliva. 17 To The 126918 Escape Drive, Doreen, Victoria. It's actually it's it's in regards to the taxation department double dipping. Mhmm. Mhmm. Mhmm. But they want me to include it as income. So if I wanna if I if I'm if I'm eligible for a refund on from tax, but then I add in $24 as a income, I'm not gonna get that refund because they're gonna add 24,000. They want me to add it in as income, but I've already been I know what you're saying. So they're technically taxing me on it twice. They're taxing me for withdrawing it and then taxing me for receiving it. I don't think that's oh, I don't what do you mean? As if, like, if I owe the taxation department? Oh, I don't owe them anything. I get a refund every year. So if I get a refund every year, like, if I'm eligible for a refund this year and I add that $24 as a lump sum income, is that going to affect if I am eligible for a refund? Of course. Yeah. Yeah. I get that. But the but the stupid thing is, like, I'm I I I I get where you're coming from, but it's not processing in my in my brain because when I get taxed from work, they only tax me once. So I, you know, I I pay tax and I claim it back. That's it. One tax. But the taxation department, they're taxing me on withdrawing my money and then they wanna they want me to put it in as an income, which means they can tax me again. So that's how I'm seeing it. Whether or not they do expect me to pay, I don't know because I haven't done my tax yet. But, like, I don't know how much $24 is gonna affect my income tax, like, when I if I'm eligible for a refund or not. Like, it's just their amount to add on top of my pay. You know what I mean? Like, if I'm earning $80 and I put in the $24, well, then all of a sudden I'm over a $100,000. So my tax bracket will change on my income tax. So no? Okay. Alright. Alright. Okay. Okay. Yep. Mhmm. Mhmm. Correct. Yes. Correct. Yep. Yeah. Yeah. Yeah. Yeah. Yeah. Okay. Yes. Take care. Yes. I know what you mean. Yep. Yeah. So I gotta see it as having two jobs. Yeah. Okay. Alright. Well, that's fine. That clarifies it. Okay. Okay. Alright. Because there's yeah. So there's I think there's a particular bracket I've gotta put it in. It's a lump sum payment, but I think it's a lump sum payment. But there's a, like, it it they they've told me where I'm supposed to add it in, like a b c d. I'm supposed to add it into a particular bracket. So I I need to yeah. Yeah. Yeah. Yeah. Yeah. Incomes. Yeah. Yeah. Yeah. Yep. Alright. No. That's cool. I appreciate the callback. Thank you for that. Alright. Yes. It does. Yeah. It does make sense. Yes. It does. It's it's silly, but, yes, it does make sense. Yeah. No. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. No. I'll call. I appreciate that. Thank you very much for explaining it. No. Yep. No. Appreciate it. What was your name again? Larissa. Alright. Thank you, Larissa. I really appreciate your time. You too, darling. Have a great day. 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Paul speaking. Not too bad. Yourself? All good.\n\nMhmm. Mhmm. Yes. Of course. Yes.\n\nYep. Paul it's Paul Anthony Saliva. 17 To The 126918 Escape Drive, Doreen, Victoria. It's actually it's it's in regards to the taxation department double dipping. Mhmm.\n\nMhmm. Mhmm. But they want me to include it as income. So if I wanna if I if I'm if I'm eligible for a refund on from tax, but then I add in $24 as a income, I'm not gonna get that refund because they're gonna add 24,000. They want me to add it in as income, but I've already been I know what you're saying.\n\nSo they're technically taxing me on it twice. They're taxing me for withdrawing it and then taxing me for receiving it. I don't think that's oh, I don't what do you mean? As if, like, if I owe the taxation department? Oh, I don't owe them anything.\n\nI get a refund every year. So if I get a refund every year, like, if I'm eligible for a refund this year and I add that $24 as a lump sum income, is that going to affect if I am eligible for a refund? Of course. Yeah. Yeah.\n\nI get that. But the but the stupid thing is, like, I'm I I I I get where you're coming from, but it's not processing in my in my brain because when I get taxed from work, they only tax me once. So I, you know, I I pay tax and I claim it back. That's it. One tax.\n\nBut the taxation department, they're taxing me on withdrawing my money and then they wanna they want me to put it in as an income, which means they can tax me again. So that's how I'm seeing it. Whether or not they do expect me to pay, I don't know because I haven't done my tax yet. But, like, I don't know how much $24 is gonna affect my income tax, like, when I if I'm eligible for a refund or not. Like, it's just their amount to add on top of my pay.\n\nYou know what I mean? Like, if I'm earning $80 and I put in the $24, well, then all of a sudden I'm over a $100,000. So my tax bracket will change on my income tax. So no? Okay.\n\nAlright. Alright. Okay. Okay. Yep.\n\nMhmm. Mhmm. Correct. Yes. Correct.\n\nYep. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Okay. Yes. Take care. Yes.\n\nI know what you mean. Yep. Yeah. So I gotta see it as having two jobs. Yeah.\n\nOkay. Alright. Well, that's fine. That clarifies it. Okay.\n\nOkay. Alright. Because there's yeah. So there's I think there's a particular bracket I've gotta put it in. It's a lump sum payment, but I think it's a lump sum payment.\n\nBut there's a, like, it it they they've told me where I'm supposed to add it in, like a b c d. I'm supposed to add it into a particular bracket. So I I need to yeah. Yeah. Yeah.\n\nYeah. Yeah. Incomes. Yeah. Yeah.\n\nYeah. Yep. Alright. No. That's cool.\n\nI appreciate the callback. Thank you for that. Alright. Yes. It does.\n\nYeah. It does make sense. Yes. It does. It's it's silly, but, yes, it does make sense.\n\nYeah. No. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. No. I'll call.\n\nI appreciate that. Thank you very much for explaining it. No. Yep. No.\n\nAppreciate it. What was your name again? Larissa. Alright. Thank you, Larissa.\n\nI really appreciate your time. You too, darling. Have a great day. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.64,"end":0.96,"sentiment":"neutral","sentiment_score":0.027396079152822495},{"text":"Paul speaking.","start":0.96,"end":1.78,"sentiment":"neutral","sentiment_score":0.023716580122709274},{"text":"Not too bad.","start":6.0,"end":6.64,"sentiment":"neutral","sentiment_score":0.22330392400423685},{"text":"Yourself?","start":6.64,"end":7.14,"sentiment":"neutral","sentiment_score":0.13205471634864807},{"text":"All 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payment.","start":394.62,"end":397.18002,"sentiment":"neutral","sentiment_score":-0.017766270499963027}],"sentiment":"neutral","sentiment_score":-0.019014264126458475,"num_words":31,"start":386.30002,"end":397.18002},{"sentences":[{"text":"But there's a, like, it it they they've told me where I'm supposed to add it in, like a b c d.","start":397.18002,"end":403.35498,"sentiment":"neutral","sentiment_score":-0.09175239952111786},{"text":"I'm supposed to add it into a particular bracket.","start":403.35498,"end":405.615,"sentiment":"neutral","sentiment_score":-0.04780224172605409},{"text":"So I I need to yeah.","start":405.675,"end":409.85498,"sentiment":"neutral","sentiment_score":-0.048494119507571064},{"text":"Yeah.","start":410.31497,"end":410.81497,"sentiment":"neutral","sentiment_score":-0.04393162950873375},{"text":"Yeah.","start":419.03,"end":419.27002,"sentiment":"neutral","sentiment_score":0.018267367035150528}],"sentiment":"neutral","sentiment_score":-0.0709077421671305,"num_words":39,"start":397.18002,"end":419.27002},{"sentences":[{"text":"Yeah.","start":419.27002,"end":419.35,"sentiment":"neutral","sentiment_score":0.0205104798078537},{"text":"Yeah.","start":419.35,"end":419.85,"sentiment":"neutral","sentiment_score":0.020708926022052765},{"text":"Incomes.","start":425.935,"end":426.435,"sentiment":"neutral","sentiment_score":0.005866780877113342},{"text":"Yeah.","start":426.73502,"end":427.055,"sentiment":"neutral","sentiment_score":0.03839600831270218},{"text":"Yeah.","start":427.055,"end":427.215,"sentiment":"neutral","sentiment_score":0.05536246299743652}],"sentiment":"neutral","sentiment_score":0.0281689316034317,"num_words":5,"start":419.27002,"end":427.215},{"sentences":[{"text":"Yeah.","start":427.215,"end":427.715,"sentiment":"neutral","sentiment_score":0.09041151404380798},{"text":"Yep.","start":440.54,"end":441.04,"sentiment":"neutral","sentiment_score":0.03521892428398132},{"text":"Alright.","start":441.74002,"end":442.24002,"sentiment":"neutral","sentiment_score":0.07887329161167145},{"text":"No.","start":442.54,"end":442.7,"sentiment":"neutral","sentiment_score":0.051819976419210434},{"text":"That's cool.","start":442.7,"end":443.18002,"sentiment":"neutral","sentiment_score":0.244556725025177}],"sentiment":"neutral","sentiment_score":0.12423952606817086,"num_words":6,"start":427.215,"end":443.18002},{"sentences":[{"text":"I appreciate the callback.","start":443.18002,"end":444.48,"sentiment":"positive","sentiment_score":0.398550882935524},{"text":"Thank you for that.","start":444.86002,"end":445.84,"sentiment":"neutral","sentiment_score":0.24291926994919777},{"text":"Alright.","start":447.98,"end":448.22,"sentiment":"neutral","sentiment_score":0.015409368090331554},{"text":"Yes.","start":448.22,"end":448.54,"sentiment":"neutral","sentiment_score":0.00902973860502243},{"text":"It does.","start":448.54,"end":448.94,"sentiment":"neutral","sentiment_score":-0.09250985644757748}],"sentiment":"neutral","sentiment_score":0.2004416671115905,"num_words":12,"start":443.18002,"end":448.94},{"sentences":[{"text":"Yeah.","start":448.94,"end":449.18002,"sentiment":"neutral","sentiment_score":0.01355549693107605},{"text":"It does make sense.","start":449.18002,"end":450.14,"sentiment":"neutral","sentiment_score":0.06502066180109978},{"text":"Yes.","start":450.14,"end":450.38,"sentiment":"neutral","sentiment_score":0.1351633071899414},{"text":"It does.","start":450.38,"end":450.86002,"sentiment":"neutral","sentiment_score":0.14763667434453964},{"text":"It's it's silly, but, yes, it does make sense.","start":450.86002,"end":453.18002,"sentiment":"neutral","sentiment_score":0.051980178596244916}],"sentiment":"neutral","sentiment_score":0.0689350827871,"num_words":17,"start":448.94,"end":453.18002},{"sentences":[{"text":"Yeah.","start":453.18002,"end":453.68002,"sentiment":"neutral","sentiment_score":0.030533958226442337},{"text":"No.","start":456.69498,"end":457.19498,"sentiment":"neutral","sentiment_score":-0.05468595772981644},{"text":"Yeah.","start":464.615,"end":464.85498,"sentiment":"neutral","sentiment_score":-0.02647322043776512},{"text":"Yeah.","start":464.85498,"end":465.01498,"sentiment":"neutral","sentiment_score":-0.02694356814026833},{"text":"Yeah.","start":465.01498,"end":465.51498,"sentiment":"neutral","sentiment_score":-0.038832660764455795}],"sentiment":"neutral","sentiment_score":-0.02328028976917267,"num_words":5,"start":453.18002,"end":465.51498},{"sentences":[{"text":"Yeah.","start":468.455,"end":468.935,"sentiment":"neutral","sentiment_score":0.10675527155399324},{"text":"Yeah.","start":468.935,"end":469.435,"sentiment":"neutral","sentiment_score":0.1696561723947525},{"text":"Yeah.","start":471.24,"end":471.74,"sentiment":"neutral","sentiment_score":0.07496307790279388},{"text":"No.","start":471.96,"end":472.2,"sentiment":"neutral","sentiment_score":0.06067857518792152},{"text":"I'll call.","start":472.2,"end":472.6,"sentiment":"neutral","sentiment_score":0.06647464446723461}],"sentiment":"neutral","sentiment_score":0.09083373099565506,"num_words":6,"start":468.455,"end":472.6},{"sentences":[{"text":"I appreciate that.","start":472.6,"end":473.48,"sentiment":"neutral","sentiment_score":0.27560079594453174},{"text":"Thank you very much for explaining it.","start":473.48,"end":475.34,"sentiment":"positive","sentiment_score":0.3839490967137473},{"text":"No.","start":477.08,"end":477.58,"sentiment":"neutral","sentiment_score":0.006091933697462082},{"text":"Yep.","start":481.0,"end":481.5,"sentiment":"neutral","sentiment_score":0.0508609376847744},{"text":"No.","start":481.56,"end":481.8,"sentiment":"neutral","sentiment_score":0.07286487519741058}],"sentiment":"neutral","sentiment_score":0.2803279854930364,"num_words":13,"start":472.6,"end":481.8},{"sentences":[{"text":"Appreciate it.","start":481.8,"end":482.52,"sentiment":"neutral","sentiment_score":0.17014770582318306},{"text":"What was your name again?","start":482.52,"end":483.66,"sentiment":"neutral","sentiment_score":0.03088190145790577},{"text":"Larissa.","start":485.275,"end":485.775,"sentiment":"neutral","sentiment_score":0.01533343642950058},{"text":"Alright.","start":485.835,"end":486.335,"sentiment":"positive","sentiment_score":0.471515417098999},{"text":"Thank you, Larissa.","start":486.475,"end":487.355,"sentiment":"positive","sentiment_score":0.8055917620658875}],"sentiment":"neutral","sentiment_score":0.28319408822183806,"num_words":12,"start":481.8,"end":487.355},{"sentences":[{"text":"I really appreciate your time.","start":487.355,"end":488.815,"sentiment":"positive","sentiment_score":0.8762386083602905},{"text":"You too, darling.","start":490.875,"end":491.595,"sentiment":"positive","sentiment_score":0.7874298493067423},{"text":"Have a great day.","start":491.595,"end":492.575,"sentiment":"positive","sentiment_score":0.7770797163248062},{"text":"Bye.","start":493.035,"end":493.535,"sentiment":"neutral","sentiment_score":-0.08687837421894073}],"sentiment":"positive","sentiment_score":0.7511479292924588,"num_words":13,"start":487.355,"end":493.535}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Paul speaking.\n\nChannel 0: Hi, Paul. Larissa here from Oakview Financial. How are you going?\n\nChannel 1: Not too bad. Yourself?\n\nChannel 0: Yeah. Good. Thank you.\n\nChannel 1: All good.\n\nChannel 0: I was just giving you a call just following on from a conversation that you had with one of my colleagues this morning\n\nChannel 1: Mhmm.\n\nChannel 0: with\n\nChannel 1: Mhmm.\n\nChannel 0: regards to Compassionate Grant's claim. You had time now?\n\nChannel 1: Yes. Of course.\n\nChannel 0: Yeah. Cool. Before we jump into it, our calls are recorded if that's okay. And if I could just get you confirmed security, full name, date of birth, and\n\nChannel 1: Yes.\n\nChannel 0: address?\n\nChannel 1: Yep. Paul it's Paul Anthony Saliva. 17 To The 126918 Escape Drive, Doreen, Victoria.\n\nChannel 0: Perfect. Thank you for that. Okay. So I wanna\n\nChannel 1: It's\n\nChannel 0: explain\n\nChannel 1: actually\n\nChannel 0: this.\n\nChannel 1: it's it's in regards to the taxation department double dipping.\n\nChannel 0: Yeah. Yeah. I I understand exactly where your inquiry comes from and and why, I guess, you would think that. So\n\nChannel 1: Mhmm.\n\nChannel 0: so a compassionate grounds claim comes out of your superannuation fund. The super fund withholds tax on your behalf, and it's the lower of either your marginal tax rate or 22%.\n\nChannel 1: Mhmm.\n\nChannel 0: Now what they do is that is tax paid. Now from the funds that are distributed, there is generally money held in different components. So superannuation can be held, like, under a tax free component or taxable component. Now\n\nChannel 1: Mhmm.\n\nChannel 0: your whole benefit is held in a taxable component, which means that it has been only taxed at the 15% superannuation rate. Now what the ATO does is they essentially add that onto your taxable income, but you've already paid tax on it. So it's not going to have a massive effect on your tax return because it's already tax paid.\n\nChannel 1: But they want me to include it as income. So if I wanna if I if I'm if I'm eligible for a refund on from tax, but then I add in $24 as a income, I'm not gonna get that refund because they're gonna add 24,000. They want me to add it in as income, but I've already been I know what you're saying. So they're technically taxing me on it twice. They're taxing me for withdrawing it and then taxing me for receiving it.\n\nChannel 0: You\n\nChannel 1: I don't\n\nChannel 0: won't\n\nChannel 1: think\n\nChannel 0: be\n\nChannel 1: that's\n\nChannel 0: taxed it won't be taxed at a full amount. So it's not like you'll be taxed at your marginal rate on top of. It'll just be if there is anything that is unpaid.\n\nChannel 1: oh, I don't what do you mean? As if, like, if I owe the taxation department?\n\nChannel 0: Yeah. So\n\nChannel 1: Oh, I don't owe them anything. I get a refund every year.\n\nChannel 0: so okay.\n\nChannel 1: So if I get a refund every year, like, if I'm eligible for a refund this year and I add\n\nChannel 0: Mhmm.\n\nChannel 1: that $24 as a lump sum income, is that going to affect if I am eligible for a refund?\n\nChannel 0: It'll depend on what your so it it depends on what your income is, what tax you've paid already. Because, obviously, like, when you when you earn an income, your employer pays tax on your behalf, and\n\nChannel 1: Of course.\n\nChannel 0: essentially, that's exactly what's happened with the Superfund is they've paid tax on your behalf.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: So it\n\nChannel 1: I\n\nChannel 0: just\n\nChannel 1: get\n\nChannel 0: depends\n\nChannel 1: that.\n\nChannel 0: on when all of that money is added\n\nChannel 1: But\n\nChannel 0: together.\n\nChannel 1: the but the stupid thing is, like, I'm I I I I get where you're coming from, but it's not processing in my in my brain because when\n\nChannel 0: Yeah.\n\nChannel 1: I get taxed from work, they only tax me once. So I, you know, I I pay tax and I claim it back. That's it. One tax. But the taxation department, they're taxing me on withdrawing my money and then they wanna they want me to put it in as an income, which means they can tax me again.\n\nSo that's how I'm seeing it. Whether or not they do expect me to pay, I don't know because I haven't done my tax yet. But,\n\nChannel 0: Yeah.\n\nChannel 1: like, I don't know how much $24 is gonna affect my income tax, like, when I if I'm eligible for a refund or not. Like, it's just their amount to add on\n\nChannel 0: Yeah.\n\nChannel 1: top of my pay. You know what I mean? Like, if I'm earning $80 and I put in the $24, well, then all of a sudden I'm over a $100,000. So my tax bracket will change on my income tax.\n\nChannel 0: Actually,\n\nChannel 1: So\n\nChannel 0: your tax bracket won't change at those figures.\n\nChannel 1: no?\n\nChannel 0: No.\n\nChannel 1: Okay.\n\nChannel 0: So\n\nChannel 1: Alright.\n\nChannel 0: your tax bracket your tax bracket won't change on those figures. You're gonna remain within the 30% tax bracket rate. So it it it it's not gonna push you up into a into a different tax bracket\n\nChannel 1: Alright.\n\nChannel 0: at all on that side, so that's\n\nChannel 1: Okay.\n\nChannel 0: good. Where\n\nChannel 1: Okay.\n\nChannel 0: where I think so let let's let's do it this way. If you were a contractor,\n\nChannel 1: Yep.\n\nChannel 0: okay, and you were to and you were to earn an income and pay no\n\nChannel 1: Mhmm.\n\nChannel 0: tax, you would then owe the tax man at the end of the year\n\nChannel 1: Mhmm. Correct.\n\nChannel 0: because you haven't paid anything.\n\nChannel 1: Yes. Correct.\n\nChannel 0: What happened is irrespective of income sources, the money has come in from employer and your super fund.\n\nChannel 1: Yep.\n\nChannel 0: You you have or, essentially, your employer and the super fund have on your behalf paid what they believe is an appropriate tax amount. Because, realistically, employers do, unfortunately, screw it up from time to time, and I do see it a lot where they pay\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: too much\n\nChannel 1: Yeah.\n\nChannel 0: or too little.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Or all of a sudden a bonus comes in. And what happens then is when you go to do your tax return, the income that you've earned from all income sources is added together.\n\nChannel 1: Yes. Take care. Yes.\n\nChannel 0: The\n\nChannel 1: I know what\n\nChannel 0: the\n\nChannel 1: you mean.\n\nChannel 0: tax the tax that you've paid from all income sources is added together, and\n\nChannel 1: Yep.\n\nChannel 0: they go, this is the amount that you've earned as assessable income. This is\n\nChannel 1: Yeah.\n\nChannel 0: what your deductions are.\n\nChannel 1: So I\n\nChannel 0: This\n\nChannel 1: gotta\n\nChannel 0: is how\n\nChannel 1: see it\n\nChannel 0: much\n\nChannel 1: as\n\nChannel 0: tax\n\nChannel 1: having\n\nChannel 0: you would\n\nChannel 1: two\n\nChannel 0: pay,\n\nChannel 1: jobs.\n\nChannel 0: Basically.\n\nChannel 1: Yeah. Okay. Alright. Well, that's fine. That clarifies it.\n\nChannel 0: Yeah. But they're they're not\n\nChannel 1: Okay.\n\nChannel 0: they don't tax it's it's taxed very differently to to income because they try to not tax it fully. It's tip it's taxed at the lower of either the marginal tax rate or 22%,\n\nChannel 1: Okay. Alright.\n\nChannel 0: which your\n\nChannel 1: Because\n\nChannel 0: marginal\n\nChannel 1: there's\n\nChannel 0: rate is 30%, so 22.\n\nChannel 1: yeah. So there's I think there's a particular bracket I've gotta put it in. It's a lump sum payment, but I think it's a lump sum payment. But there's a, like, it it they they've told me where I'm supposed to add it in, like a b c d. I'm supposed to add it into a particular bracket.\n\nSo\n\nChannel 0: Yeah. So\n\nChannel 1: I\n\nChannel 0: you\n\nChannel 1: I need to\n\nChannel 0: you self lodge your\n\nChannel 1: yeah.\n\nChannel 0: tax returns? Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: So when you do your tax returns, you'll notice that down, like, the left hand side, could be the right hand side now. It's been a couple years since I've seen the etax.\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: But there there's all the letters down the side that basically break up each of the line\n\nChannel 1: Incomes.\n\nChannel 0: items.\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: Yep. And you'll just when you're going through it, you'll be able to add it in there. And it it will make logical sense once you're kinda looking at it. If it doesn't make logical sense, give me a call, and I can jump on to the etax system, and I can run through with you\n\nChannel 1: Yep.\n\nChannel 0: at the same time.\n\nChannel 1: Alright. No. That's cool. I appreciate the callback. Thank you for\n\nChannel 0: No.\n\nChannel 1: that.\n\nChannel 0: That's okay. That's okay. Does it make a little bit more sense?\n\nChannel 1: Alright.\n\nChannel 0: I know\n\nChannel 1: Yes.\n\nChannel 0: it's still\n\nChannel 1: It does.\n\nChannel 0: frustrating.\n\nChannel 1: Yeah. It does make sense. Yes. It does. It's it's silly, but, yes, it does make sense.\n\nYeah.\n\nChannel 0: Yeah. Look. The good thing is is you're not on Centrelink benefits because\n\nChannel 1: No.\n\nChannel 0: if you were, you would owe a Centrelink debt. A lot of people don't consider Centrelink and the fact that this is income, and then all\n\nChannel 1: Yeah.\n\nChannel 0: of a sudden\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: they've earned $24,000 and Centrelink is screaming for their money back.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: That's always a good one.\n\nChannel 1: Yeah. No. I'll call. I appreciate that. Thank you very much for explaining it.\n\nChannel 0: No. That's okay, Paul.\n\nChannel 1: No.\n\nChannel 0: Give me a call when it comes time to do your tax if you do run into any issues.\n\nChannel 1: Yep. No. Appreciate it. What was your name again?\n\nChannel 0: Larissa.\n\nChannel 1: Larissa. Alright. Thank you, Larissa. I really appreciate your time.\n\nChannel 0: That's okay. You have a good one.\n\nChannel 1: You too, darling. Have a great day.\n\nChannel 0: Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.64,"end":0.96,"sentiment":"neutral","sentiment_score":0.027396079152822495},{"text":"Paul speaking.","start":0.96,"end":1.78,"sentiment":"neutral","sentiment_score":0.023716580122709274}],"sentiment":"neutral","sentiment_score":0.02494307979941368,"channel":1,"num_words":3,"start":0.64,"end":1.78},{"sentences":[{"text":"Hi, Paul.","start":2.6399999,"end":3.36,"sentiment":"neutral","sentiment_score":0.19015972316265106},{"text":"Larissa here from Oakview Financial.","start":3.36,"end":5.2799997,"sentiment":"neutral","sentiment_score":0.21407129466533661},{"text":"How are you going?","start":5.2799997,"end":6.1,"sentiment":"neutral","sentiment_score":0.2565080597996712}],"sentiment":"neutral","sentiment_score":0.2251552871682427,"channel":0,"num_words":11,"start":2.6399999,"end":6.1},{"sentences":[{"text":"Not too bad.","start":6.0,"end":6.64,"sentiment":"neutral","sentiment_score":0.22330392400423685},{"text":"Yourself?","start":6.64,"end":7.14,"sentiment":"neutral","sentiment_score":0.13205471634864807}],"sentiment":"neutral","sentiment_score":0.20049162209033966,"channel":1,"num_words":4,"start":6.0,"end":7.14},{"sentences":[{"text":"Yeah.","start":7.68,"end":8.16,"sentiment":"neutral","sentiment_score":0.30911991000175476},{"text":"Good.","start":8.16,"end":8.66,"sentiment":"positive","sentiment_score":0.6020745038986206},{"text":"Thank you.","start":8.72,"end":9.54,"sentiment":"positive","sentiment_score":0.6952636241912842}],"sentiment":"positive","sentiment_score":0.5754304155707359,"channel":0,"num_words":4,"start":7.68,"end":9.54},{"sentences":[{"text":"All good.","start":9.84,"end":10.5,"sentiment":"positive","sentiment_score":0.6162121295928955}],"sentiment":"positive","sentiment_score":0.6162121295928955,"channel":1,"num_words":2,"start":9.84,"end":10.5},{"sentences":[{"text":"I was just giving you a call just following on from a conversation that you had with one of my colleagues this morning","start":11.44,"end":16.215,"sentiment":"neutral","sentiment_score":0.1178706719175629}],"sentiment":"neutral","sentiment_score":0.1178706719175629,"channel":0,"num_words":23,"start":11.44,"end":16.215},{"sentences":[{"text":"Mhmm.","start":15.825001,"end":16.325,"sentiment":"neutral","sentiment_score":0.059340670704841614}],"sentiment":"neutral","sentiment_score":0.059340670704841614,"channel":1,"num_words":1,"start":15.825001,"end":16.325},{"sentences":[{"text":"with","start":16.355,"end":16.675,"sentiment":"neutral","sentiment_score":0.017430096864700317}],"sentiment":"neutral","sentiment_score":0.017430096864700317,"channel":0,"num_words":1,"start":16.355,"end":16.675},{"sentences":[{"text":"Mhmm.","start":16.545,"end":17.045,"sentiment":"neutral","sentiment_score":0.02197727747261524}],"sentiment":"neutral","sentiment_score":0.02197727747261524,"channel":1,"num_words":1,"start":16.545,"end":17.045},{"sentences":[{"text":"regards to Compassionate Grant's claim.","start":16.675,"end":18.275,"sentiment":"neutral","sentiment_score":0.050096725672483446},{"text":"You had time now?","start":18.275,"end":19.335,"sentiment":"neutral","sentiment_score":0.029021987691521645}],"sentiment":"neutral","sentiment_score":0.040730175458722644,"channel":0,"num_words":9,"start":16.675,"end":19.335},{"sentences":[{"text":"Yes.","start":19.585,"end":19.905,"sentiment":"neutral","sentiment_score":0.06697411090135574},{"text":"Of course.","start":19.905,"end":20.645,"sentiment":"neutral","sentiment_score":0.10893560945987701}],"sentiment":"neutral","sentiment_score":0.09494844327370326,"channel":1,"num_words":3,"start":19.585,"end":20.645},{"sentences":[{"text":"Yeah.","start":20.755,"end":21.074999,"sentiment":"neutral","sentiment_score":0.17084157466888428},{"text":"Cool.","start":21.074999,"end":21.474998,"sentiment":"neutral","sentiment_score":0.2240607738494873},{"text":"Before we jump into it, our calls are recorded if that's okay.","start":21.474998,"end":24.055,"sentiment":"neutral","sentiment_score":0.06707137481619914},{"text":"And if I could just get you confirmed security, full name, date of birth, and","start":25.33,"end":27.73,"sentiment":"neutral","sentiment_score":0.06091292165219784}],"sentiment":"neutral","sentiment_score":0.07287767831364582,"channel":0,"num_words":29,"start":20.755,"end":27.73},{"sentences":[{"text":"Yes.","start":27.69,"end":28.19,"sentiment":"neutral","sentiment_score":0.01827164366841316}],"sentiment":"neutral","sentiment_score":0.01827164366841316,"channel":1,"num_words":1,"start":27.69,"end":28.19},{"sentences":[{"text":"address?","start":27.73,"end":28.23,"sentiment":"neutral","sentiment_score":0.019110824912786484}],"sentiment":"neutral","sentiment_score":0.019110824912786484,"channel":0,"num_words":1,"start":27.73,"end":28.23},{"sentences":[{"text":"Yep.","start":28.41,"end":28.730001,"sentiment":"neutral","sentiment_score":0.029626725241541862},{"text":"Paul it's Paul Anthony Saliva.","start":28.730001,"end":30.35,"sentiment":"neutral","sentiment_score":0.018787751346826552},{"text":"17 To The 126918 Escape Drive, Doreen, Victoria.","start":30.41,"end":33.71,"sentiment":"neutral","sentiment_score":0.02196568704675883}],"sentiment":"neutral","sentiment_score":0.021377927024981806,"channel":1,"num_words":14,"start":28.41,"end":33.71},{"sentences":[{"text":"Perfect.","start":34.69,"end":35.09,"sentiment":"positive","sentiment_score":0.5729458332061768},{"text":"Thank you for that.","start":35.09,"end":36.07,"sentiment":"positive","sentiment_score":0.6366958916187286},{"text":"Okay.","start":36.13,"end":36.61,"sentiment":"neutral","sentiment_score":0.10508829355239868},{"text":"So I 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you'll just when you're going through it, you'll be able to add it in there.","start":427.81003,"end":431.11502,"sentiment":"neutral","sentiment_score":0.14293137891218066},{"text":"And it it will make logical sense once you're kinda looking at it.","start":431.11502,"end":433.83502,"sentiment":"neutral","sentiment_score":0.1454256813113506},{"text":"If it doesn't make logical sense, give me a call, and I can jump on to the etax system, and I can run through with you","start":433.83502,"end":440.33502,"sentiment":"neutral","sentiment_score":0.05167467104127774}],"sentiment":"neutral","sentiment_score":0.10118395974859595,"channel":0,"num_words":56,"start":427.25,"end":440.33502},{"sentences":[{"text":"Yep.","start":440.54,"end":441.04,"sentiment":"neutral","sentiment_score":0.03521892428398132}],"sentiment":"neutral","sentiment_score":0.03521892428398132,"channel":1,"num_words":1,"start":440.54,"end":441.04},{"sentences":[{"text":"at the same time.","start":440.635,"end":441.61502,"sentiment":"neutral","sentiment_score":0.0303962929174304}],"sentiment":"neutral","sentiment_score":0.0303962929174304,"channel":0,"num_words":4,"start":440.635,"end":441.61502},{"sentences":[{"text":"Alright.","start":441.74002,"end":442.24002,"sentiment":"neutral","sentiment_score":0.07887329161167145},{"text":"No.","start":442.54,"end":442.7,"sentiment":"neutral","sentiment_score":0.051819976419210434},{"text":"That's cool.","start":442.7,"end":443.18002,"sentiment":"neutral","sentiment_score":0.244556725025177},{"text":"I appreciate the callback.","start":443.18002,"end":444.48,"sentiment":"positive","sentiment_score":0.398550882935524},{"text":"Thank you for","start":444.86002,"end":445.34,"sentiment":"neutral","sentiment_score":0.263824462890625}],"sentiment":"neutral","sentiment_score":0.27322578531774605,"channel":1,"num_words":11,"start":441.74002,"end":445.34},{"sentences":[{"text":"No.","start":445.19,"end":445.35,"sentiment":"neutral","sentiment_score":0.0984872579574585}],"sentiment":"neutral","sentiment_score":0.0984872579574585,"channel":0,"num_words":1,"start":445.19,"end":445.35},{"sentences":[{"text":"that.","start":445.34,"end":445.84,"sentiment":"neutral","sentiment_score":0.18020369112491608}],"sentiment":"neutral","sentiment_score":0.18020369112491608,"channel":1,"num_words":1,"start":445.34,"end":445.84},{"sentences":[{"text":"That's okay.","start":445.35,"end":446.15,"sentiment":"neutral","sentiment_score":0.15205305069684982},{"text":"That's okay.","start":446.15,"end":446.71,"sentiment":"neutral","sentiment_score":0.11709381639957428},{"text":"Does it make a little bit more sense?","start":446.71,"end":448.06998,"sentiment":"neutral","sentiment_score":0.0014206834603101015}],"sentiment":"neutral","sentiment_score":0.045804933489610754,"channel":0,"num_words":12,"start":445.35,"end":448.06998},{"sentences":[{"text":"Alright.","start":447.98,"end":448.22,"sentiment":"neutral","sentiment_score":0.015409368090331554}],"sentiment":"neutral","sentiment_score":0.015409368090331554,"channel":1,"num_words":1,"start":447.98,"end":448.22},{"sentences":[{"text":"I know","start":448.06998,"end":448.31,"sentiment":"neutral","sentiment_score":-0.0011139586567878725}],"sentiment":"neutral","sentiment_score":-0.0011139586567878725,"channel":0,"num_words":2,"start":448.06998,"end":448.31},{"sentences":[{"text":"Yes.","start":448.22,"end":448.54,"sentiment":"neutral","sentiment_score":0.00902973860502243}],"sentiment":"neutral","sentiment_score":0.00902973860502243,"channel":1,"num_words":1,"start":448.22,"end":448.54},{"sentences":[{"text":"it's still","start":448.31,"end":448.71,"sentiment":"neutral","sentiment_score":-0.009491242468357086}],"sentiment":"neutral","sentiment_score":-0.009491242468357086,"channel":0,"num_words":2,"start":448.31,"end":448.71},{"sentences":[{"text":"It does.","start":448.54,"end":448.94,"sentiment":"neutral","sentiment_score":-0.09250985644757748}],"sentiment":"neutral","sentiment_score":-0.09250985644757748,"channel":1,"num_words":2,"start":448.54,"end":448.94},{"sentences":[{"text":"frustrating.","start":448.71,"end":449.21,"sentiment":"neutral","sentiment_score":-0.1487040817737579}],"sentiment":"neutral","sentiment_score":-0.1487040817737579,"channel":0,"num_words":1,"start":448.71,"end":449.21},{"sentences":[{"text":"Yeah.","start":448.94,"end":449.18002,"sentiment":"neutral","sentiment_score":0.01355549693107605},{"text":"It does make 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sense.","start":450.86002,"end":453.18002,"sentiment":"neutral","sentiment_score":0.051980178596244916}],"sentiment":"neutral","sentiment_score":0.0689350827871,"channel":1,"num_words":17,"start":448.94,"end":453.18002},{"sentences":[{"text":"Yeah.","start":453.18002,"end":453.68002,"sentiment":"neutral","sentiment_score":0.030533958226442337}],"sentiment":"neutral","sentiment_score":0.030533958226442337,"channel":1,"num_words":1,"start":453.18002,"end":453.68002},{"sentences":[{"text":"Yeah.","start":453.27,"end":453.75,"sentiment":"neutral","sentiment_score":0.032231416553258896},{"text":"Look.","start":453.75,"end":453.99,"sentiment":"neutral","sentiment_score":0.03936241567134857},{"text":"The good thing is is you're not on Centrelink benefits because","start":453.99,"end":456.81,"sentiment":"neutral","sentiment_score":0.06708113730631092}],"sentiment":"neutral","sentiment_score":0.06226818019954058,"channel":0,"num_words":13,"start":453.27,"end":456.81},{"sentences":[{"text":"No.","start":456.69498,"end":457.19498,"sentiment":"neutral","sentiment_score":-0.05468595772981644}],"sentiment":"neutral","sentiment_score":-0.05468595772981644,"channel":1,"num_words":1,"start":456.69498,"end":457.19498},{"sentences":[{"text":"if you were, you would owe a Centrelink debt.","start":457.32498,"end":460.205,"sentiment":"neutral","sentiment_score":-0.02028273101637347},{"text":"A lot of people don't consider Centrelink and the fact that this is income, and then all","start":460.205,"end":464.685,"sentiment":"neutral","sentiment_score":-0.02222675961606643}],"sentiment":"neutral","sentiment_score":-0.021553826639249634,"channel":0,"num_words":26,"start":457.32498,"end":464.685},{"sentences":[{"text":"Yeah.","start":464.615,"end":464.85498,"sentiment":"neutral","sentiment_score":-0.02647322043776512}],"sentiment":"neutral","sentiment_score":-0.02647322043776512,"channel":1,"num_words":1,"start":464.615,"end":464.85498},{"sentences":[{"text":"of a sudden","start":464.685,"end":465.085,"sentiment":"neutral","sentiment_score":-0.04387184977531433}],"sentiment":"neutral","sentiment_score":-0.04387184977531433,"channel":0,"num_words":3,"start":464.685,"end":465.085},{"sentences":[{"text":"Yeah.","start":464.85498,"end":465.01498,"sentiment":"neutral","sentiment_score":-0.02694356814026833},{"text":"Yeah.","start":465.01498,"end":465.51498,"sentiment":"neutral","sentiment_score":-0.038832660764455795}],"sentiment":"neutral","sentiment_score":-0.03288811445236206,"channel":1,"num_words":2,"start":464.85498,"end":465.51498},{"sentences":[{"text":"they've earned $24,000 and Centrelink is screaming for their money back.","start":465.085,"end":468.54498,"sentiment":"neutral","sentiment_score":-0.09032164480198514}],"sentiment":"neutral","sentiment_score":-0.09032164480198514,"channel":0,"num_words":11,"start":465.085,"end":468.54498},{"sentences":[{"text":"Yeah.","start":468.455,"end":468.935,"sentiment":"neutral","sentiment_score":0.10675527155399324},{"text":"Yeah.","start":468.935,"end":469.435,"sentiment":"neutral","sentiment_score":0.1696561723947525}],"sentiment":"neutral","sentiment_score":0.13820572197437286,"channel":1,"num_words":2,"start":468.455,"end":469.435},{"sentences":[{"text":"That's always a good one.","start":469.165,"end":470.54498,"sentiment":"positive","sentiment_score":0.3354871153831482}],"sentiment":"positive","sentiment_score":0.3354871153831482,"channel":0,"num_words":5,"start":469.165,"end":470.54498},{"sentences":[{"text":"Yeah.","start":471.24,"end":471.74,"sentiment":"neutral","sentiment_score":0.07496307790279388},{"text":"No.","start":471.96,"end":472.2,"sentiment":"neutral","sentiment_score":0.06067857518792152},{"text":"I'll call.","start":472.2,"end":472.6,"sentiment":"neutral","sentiment_score":0.06647464446723461},{"text":"I appreciate that.","start":472.6,"end":473.48,"sentiment":"neutral","sentiment_score":0.27560079594453174},{"text":"Thank you very much for explaining it.","start":473.48,"end":475.34,"sentiment":"positive","sentiment_score":0.3839490967137473}],"sentiment":"neutral","sentiment_score":0.2702169290610722,"channel":1,"num_words":14,"start":471.24,"end":475.34},{"sentences":[{"text":"No.","start":475.54,"end":475.86,"sentiment":"neutral","sentiment_score":-0.010795339941978456},{"text":"That's okay, Paul.","start":475.86,"end":477.22,"sentiment":"neutral","sentiment_score":0.035709076250592865}],"sentiment":"neutral","sentiment_score":0.024082972202450037,"channel":0,"num_words":4,"start":475.54,"end":477.22},{"sentences":[{"text":"No.","start":477.08,"end":477.58,"sentiment":"neutral","sentiment_score":0.006091933697462082}],"sentiment":"neutral","sentiment_score":0.006091933697462082,"channel":1,"num_words":1,"start":477.08,"end":477.58},{"sentences":[{"text":"Give me a call when it comes time to do your tax if you do run into any issues.","start":477.22,"end":480.76,"sentiment":"neutral","sentiment_score":0.034214913845062256}],"sentiment":"neutral","sentiment_score":0.034214913845062256,"channel":0,"num_words":19,"start":477.22,"end":480.76},{"sentences":[{"text":"Yep.","start":481.0,"end":481.5,"sentiment":"neutral","sentiment_score":0.0508609376847744},{"text":"No.","start":481.56,"end":481.8,"sentiment":"neutral","sentiment_score":0.07286487519741058},{"text":"Appreciate it.","start":481.8,"end":482.52,"sentiment":"neutral","sentiment_score":0.17014770582318306},{"text":"What was your name again?","start":482.52,"end":483.66,"sentiment":"neutral","sentiment_score":0.03088190145790577}],"sentiment":"neutral","sentiment_score":0.06871452575756444,"channel":1,"num_words":9,"start":481.0,"end":483.66},{"sentences":[{"text":"Larissa.","start":484.18,"end":484.68,"sentiment":"neutral","sentiment_score":0.020059891045093536}],"sentiment":"neutral","sentiment_score":0.020059891045093536,"channel":0,"num_words":1,"start":484.18,"end":484.68},{"sentences":[{"text":"Larissa.","start":485.275,"end":485.775,"sentiment":"neutral","sentiment_score":0.01533343642950058},{"text":"Alright.","start":485.835,"end":486.335,"sentiment":"positive","sentiment_score":0.471515417098999},{"text":"Thank you, Larissa.","start":486.475,"end":487.355,"sentiment":"positive","sentiment_score":0.8055917620658875},{"text":"I really appreciate your time.","start":487.355,"end":488.815,"sentiment":"positive","sentiment_score":0.8762386083602905}],"sentiment":"positive","sentiment_score":0.7284817181527614,"channel":1,"num_words":10,"start":485.275,"end":488.815},{"sentences":[{"text":"That's okay.","start":489.16895,"end":489.80893,"sentiment":"positive","sentiment_score":0.748645007610321},{"text":"You have a good one.","start":489.80893,"end":490.78894,"sentiment":"positive","sentiment_score":0.8402451515197754}],"sentiment":"positive","sentiment_score":0.8140736818313599,"channel":0,"num_words":7,"start":489.16895,"end":490.78894},{"sentences":[{"text":"You too, darling.","start":490.875,"end":491.595,"sentiment":"positive","sentiment_score":0.7874298493067423},{"text":"Have a great day.","start":491.595,"end":492.575,"sentiment":"positive","sentiment_score":0.7770797163248062}],"sentiment":"positive","sentiment_score":0.7815154876027789,"channel":1,"num_words":7,"start":490.875,"end":492.575},{"sentences":[{"text":"Bye.","start":492.92892,"end":493.42892,"sentiment":"positive","sentiment_score":0.4130857586860657}],"sentiment":"positive","sentiment_score":0.4130857586860657,"channel":0,"num_words":1,"start":492.92892,"end":493.42892},{"sentences":[{"text":"Bye.","start":493.035,"end":493.535,"sentiment":"neutral","sentiment_score":-0.08687837421894073}],"sentiment":"neutral","sentiment_score":-0.08687837421894073,"channel":1,"num_words":1,"start":493.035,"end":493.535}]},"summary":{"result":"success","short":"A representative from Oakview Financial calls Paul regarding his double dipping tax claim, explaining that the taxation department charged Paul's income twice and caused negative impacts on his tax return. The customer is confused about whether their income will be taxed at a full amount and wonders if they will be charged. The agent clarifies that the tax bracket will not change and that their income will remain within the 30% tax bracket. The agent also explains that employer payroll taxes are added to income and that income earned from all sources is added together to determine the tax rate. The agent advises the customer to self-level their tax returns to avoid confusion and explains that Centrelink debt is a good option for those who have earned money from it."},"intents":{"segments":[{"text":"regards to Compassionate Grant's claim. You had time now?","start_word":50,"end_word":58,"intents":[{"intent":"Discuss claim","confidence_score":0.00029778926}]},{"text":"So I wanna It's explain actually this. it's it's in regards to the taxation department double dipping. Yeah.","start_word":113,"end_word":130,"intents":[{"intent":"Explain taxation process","confidence_score":0.11385577}]},{"text":"So I wanna It's explain actually this. it's it's in regards to the taxation department double dipping. Yeah. Yeah.","start_word":113,"end_word":131,"intents":[{"intent":"Inquire about taxation department double dipping","confidence_score":0.008636669},{"intent":"Explain taxation department double dipping","confidence_score":0.13103525},{"intent":"Inquire about taxation","confidence_score":0.04032027},{"intent":"Inquire about taxation deduction","confidence_score":0.007507413}]},{"text":"So if I wanna if I if I'm if I'm eligible for a refund on from tax, but then I add in $24 as a income, I'm not gonna get that refund because they're gonna add 24,000. They want me to add it in as income, but I've already been I know what you're saying.","start_word":295,"end_word":349,"intents":[{"intent":"Inquire about refund eligibility","confidence_score":0.00626961}]},{"text":"So they're technically taxing me on it twice. They're taxing me for withdrawing it and then taxing me for receiving it. You I don't won't think be that's taxed it won't be taxed at a full amount.","start_word":349,"end_word":385,"intents":[{"intent":"Seek clarification on tax deduction","confidence_score":0.00016684984},{"intent":"Clarify tax liability","confidence_score":0.0026292643},{"intent":"Clarify tax deduction effect","confidence_score":0.002469614},{"intent":"Clarify taxation effect","confidence_score":0.0046605445}]},{"text":"So my tax bracket will change on my income tax. Actually, So your tax bracket won't change at those figures. no? No. Okay.","start_word":733,"end_word":755,"intents":[{"intent":"Explain tax bracket changes","confidence_score":0.025054587}]},{"text":"You you have or, essentially, your employer and the super fund have on your behalf paid what they believe is an appropriate tax amount. Because, realistically, employers do, unfortunately, screw it up from time to time, and I do see it a lot where they pay Yeah.","start_word":883,"end_word":929,"intents":[{"intent":"Explain tax deductions and tax rates","confidence_score":0.005904702}]},{"text":"So when you do your tax returns, you'll notice that down, like, the left hand side, could be the right hand side now. It's been a couple years since I've seen the etax. Yeah.","start_word":1173,"end_word":1206,"intents":[{"intent":"Identify tax deductions","confidence_score":0.00041590477}]}]},"sentiments":{"segments":[{"text":"Hello. Paul speaking. Hi, Paul. Larissa here from Oakview Financial. How are you going? Not too bad. Yourself? Yeah.","start_word":0,"end_word":18,"sentiment":"neutral","sentiment_score":0.18340305984020233},{"text":"Good. Thank you. All good.","start_word":19,"end_word":23,"sentiment":"positive","sentiment_score":0.6326486468315125},{"text":"I was just giving you a call just following on from a conversation that you had with one of my colleagues this morning Mhmm. with Mhmm. regards to Compassionate Grant's claim. You had time now? Yes. Of course. Yeah. Cool. Before we jump into it, our calls are recorded if that's okay. And if I could just get you confirmed security, full name, date of birth, and Yes. address? Yep. Paul it's Paul Anthony Saliva. 17 To The 126918 Escape Drive, Doreen, Victoria.","start_word":24,"end_word":106,"sentiment":"neutral","sentiment_score":0.06642737239599228},{"text":"Perfect. Thank you for that.","start_word":107,"end_word":111,"sentiment":"positive","sentiment_score":0.608677327632904},{"text":"Okay. So I wanna It's explain actually this. it's it's in regards to the taxation department double dipping. Yeah. Yeah. I I understand exactly where your inquiry comes from and and why, I guess, you would think that. So Mhmm. so a compassionate grounds claim comes out of your superannuation fund. The super fund withholds tax on your behalf, and it's the lower of either your marginal tax rate or 22%. Mhmm. Now what they do is that is tax paid. Now from the funds that are distributed, there is generally money held in different components. So superannuation can be held, like, under a tax free component or taxable component. Now Mhmm. your whole benefit is held in a taxable component, which means that it has been only taxed at the 15% superannuation rate. Now what the ATO does is they essentially add that onto your taxable income, but you've already paid tax on it. So it's not going to have a massive effect on your tax return because it's already tax paid. But they want me to include it as income. So if I wanna if I if I'm if I'm eligible for a refund on from tax, but then I add in $24 as a income, I'm not gonna get that refund because they're gonna add 24,000. They want me to add it in as income, but I've already been I know what you're saying.","start_word":112,"end_word":348,"sentiment":"neutral","sentiment_score":-0.04551609135566884},{"text":"So they're technically taxing me on it twice. They're taxing me for withdrawing it and then taxing me for receiving it. You I don't won't think be that's taxed it won't be taxed at a full amount.","start_word":349,"end_word":385,"sentiment":"negative","sentiment_score":-0.45400816202163696},{"text":"So it's not like you'll be taxed at your marginal rate on top of. It'll just be if there is anything that is unpaid. oh, I don't what do you mean? As if, like, if I owe the taxation department? Yeah. So Oh, I don't owe them anything. I get a refund every year. so okay. So if I get a refund every year, like, if I'm eligible for a refund this year and I add Mhmm. that $24 as a lump sum income, is that going to affect if I am eligible for a refund? It'll depend on what your so it it depends on what your income is, what tax you've paid already. Because, obviously, like, when you when you earn an income, your employer pays tax on your behalf, and Of course. essentially, that's exactly what's happened with the Superfund is they've paid tax on your behalf. Yeah. Yeah. So it I just get depends that. on when all of that money is added But together.","start_word":386,"end_word":554,"sentiment":"neutral","sentiment_score":-0.13891293108463287},{"text":"the but the stupid thing is, like, I'm I I I I get where you're coming from, but it's not processing in my in my brain because when Yeah.","start_word":555,"end_word":583,"sentiment":"negative","sentiment_score":-0.34525826573371887},{"text":"I get taxed from work, they only tax me once. So I, you know, I I pay tax and I claim it back. That's it. One tax. But the taxation department, they're taxing me on withdrawing my money and then they wanna they want me to put it in as an income, which means they can tax me again. So that's how I'm seeing it. Whether or not they do expect me to pay, I don't know because I haven't done my tax yet. But, Yeah. like, I don't know how much $24 is gonna affect my income tax, like, when I if I'm eligible for a refund or not. Like, it's just their amount to add on Yeah. top of my pay. You know what I mean? Like, if I'm earning $80 and I put in the $24, well, then all of a sudden I'm over a $100,000. So my tax bracket will change on my income tax. Actually, So your tax bracket won't change at those figures. no? No. Okay. So Alright. your tax bracket your tax bracket won't change on those figures. You're gonna remain within the 30% tax bracket rate. So it it it it's not gonna push you up into a into a different tax bracket Alright. at all on that side, so that's Okay. good. Where Okay. where I think so let let's let's do it this way. If you were a contractor, Yep. okay, and you were to and you were to earn an income and pay no Mhmm. tax, you would then owe the tax man at the end of the year Mhmm. Correct. because you haven't paid anything. Yes. Correct. What happened is irrespective of income sources, the money has come in from employer and your super fund. Yep. You you have or, essentially, your employer and the super fund have on your behalf paid what they believe is an appropriate tax amount. Because, realistically, employers do, unfortunately, screw it up from time to time, and I do see it a lot where they pay Yeah. Yeah. Yeah. too much Yeah. or too little. Yeah. Okay. Or all of a sudden a bonus comes in. And what happens then is when you go to do your tax return, the income that you've earned from all income sources is added together. Yes. Take care. Yes. The I know what the you mean. tax the tax that you've paid from all income sources is added together, and Yep. they go, this is the amount that you've earned as assessable income. This is Yeah. what your deductions are. So I This gotta is how see it much as tax having you would two pay, jobs. Basically. Yeah. Okay. Alright. Well, that's fine. That clarifies it. Yeah. But they're they're not Okay. they don't tax it's it's taxed very differently to to income because they try to not tax it fully. It's tip it's taxed at the lower of either the marginal tax rate or 22%, Okay. Alright. which your Because marginal there's rate is 30%, so 22. yeah. So there's I think there's a particular bracket I've gotta put it in. It's a lump sum payment, but I think it's a lump sum payment. But there's a, like, it it they they've told me where I'm supposed to add it in, like a b c d. I'm supposed to add it into a particular bracket. So Yeah. So I you I need to you self lodge your yeah. tax returns? Yeah. Yeah. So when you do your tax returns, you'll notice that down, like, the left hand side, could be the right hand side now. It's been a couple years since I've seen the etax. Yeah. Yeah. Yeah. But there there's all the letters down the side that basically break up each of the line Incomes. items. Yeah. Yeah. Yeah. Yep. And you'll just when you're going through it, you'll be able to add it in there. And it it will make logical sense once you're kinda looking at it. If it doesn't make logical sense, give me a call, and I can jump on to the etax system, and I can run through with you Yep. at the same time. Alright. No. That's cool.","start_word":584,"end_word":1294,"sentiment":"neutral","sentiment_score":-0.04931289030424989},{"text":"I appreciate the callback.","start_word":1295,"end_word":1298,"sentiment":"positive","sentiment_score":0.38926076889038086},{"text":"Thank you for No. that. That's okay. That's okay. Does it make a little bit more sense? Alright. I know Yes. it's still It does. frustrating. Yeah. It does make sense. Yes. It does. It's it's silly, but, yes, it does make sense. Yeah. Yeah. Look. The good thing is is you're not on Centrelink benefits because No. if you were, you would owe a Centrelink debt. A lot of people don't consider Centrelink and the fact that this is income, and then all Yeah. of a sudden Yeah. Yeah. they've earned $24,000 and Centrelink is screaming for their money back. Yeah. Yeah. That's always a good one. Yeah. No. I'll call. I appreciate that.","start_word":1299,"end_word":1413,"sentiment":"neutral","sentiment_score":0.04078027233481407},{"text":"Thank you very much for explaining it.","start_word":1414,"end_word":1420,"sentiment":"positive","sentiment_score":0.3729895055294037},{"text":"No. That's okay, Paul. No. Give me a call when it comes time to do your tax if you do run into any issues. Yep. No. Appreciate it. What was your name again? Larissa. Larissa.","start_word":1421,"end_word":1455,"sentiment":"neutral","sentiment_score":0.045066460967063904},{"text":"Alright. Thank you, Larissa. I really appreciate your time. That's okay. You have a good one. You too, darling. Have a great day. Bye.","start_word":1456,"end_word":1479,"sentiment":"positive","sentiment_score":0.7519660592079163},{"text":"Bye.","start_word":1480,"end_word":1480,"sentiment":"neutral","sentiment_score":0.2232777327299118}],"average":{"sentiment":"neutral","sentiment_score":-0.03215299782574122}}}}