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Now just before I do go any further, just like usual, just confirming that you're happy for this call to be recorded for training and coaching purposes. Yep. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Yep. Perfect. That's exactly what I have here. And how's your day been so far? Been busy? Yeah. Almost yeah. No. I I feel you. Almost finished for the day, though. Would you have much more to go? Oh, sorry. Yeah. Yeah. So it's yeah. So it's yes. It's 05:00 here in Queensland. Yeah. Now I had you booked in to talk a little bit about you potentially wanting to make some extra contributions into superannuation. Yeah. Yeah. I think that was what you were kind of looking at doing. I think from the note here is, like, you spoke to your accountant and he kind of suggested as well for you to make a little bit of extra extra contributions into superannuation potentially to reduce your taxable income. Yep. Yeah. Notice of intent. Yeah. So yes. So there are different ways, obviously, you can do it and depending on how you want to do it. Now I know that you have salary sacrificed already as well, and your income's still around 105,000? Yep. Perfect. And your employer still just pays you that standard 12% contribution? Yes. Like, you don't have a special enterprise bargain agreement that gives you access to additional super or anything like that? No. Okay. And do you obviously, if you're going through that at the moment, you might not know. But do you know kind of a rough idea of the pay that can be expected? Because that will bump up your contributions. Okay. Yep. Perfect. Mhmm. Right. No. Yep. Oh, that's nice. Okay. Yeah. And do you get any, like, bonuses and stuff like that or commissions, or is it just kind of based pay? Okay. Yep. Yep. Mhmm. Okay. Yep. And do you know if you get a bonus and overtime, if you get paid through the contributions on that. Yep. Most of the time bonuses, people do get contributions. Overtime, not always. Some does. So the only reason I do ask is to make a notice of intent, which is where let's say if you want to make a couple of ad hoc contributions into super, so that would obviously be from your after tax income, like, from your bank account. So if you make a couple of contributions that way, the way that it goes into superannuation initially is what we call your non concessional contributions, which is after tax. Now doing before the end of financial, you get that notice of intent changes them through pretax contribution, which is where you do get that little tax back, which is probably what your kind of accountant was talking to you about, which is a great way. The only thing is that there are cap spaces to be mindful of. So the concessional, which is the pretax contribution, which is where your employer contributions and your salary sacrifice counts to it, at the moment, it's 30,000. So if your income is around 105 and we don't factor in any bonus or overtime, your standard salary sacrifice that you were doing at the moment, that takes at the moment, that's for about 15,223 out of the 30,000. So you do still have plenty of space if you wanted to make a bit of extra contributions and get the tax back. Do you have any amount of what you were thinking? Because if it's more than, obviously, 15 or closer to that, then I would just be wary. Okay. That's good. Okay. Yeah. From the from the from the space, you do have you do have capacity to do that. So if you wanted to do 5,000, you can. And just let us know if you do it because then especially before the end of the financial year, so a couple of weeks before the end of financial year, just to make sure there's enough time for it to clear, we can do that notice of intent for you. So we can launch that straight away with your super fund and get that sorted. And then we just give you the document and you would just literally give that to your account. So it's pretty straightforward from from that point of view. Mhmm. Yep. Yep. You can just send me an email or call and say, hey. I put a contribution of $3,000. Can you can you claim the notice of intent on the whole amount? Then we can do that for you. Volunteers, you do it after tax as well as salary sacrifice? Mhmm. Yes. Yes. No. Because the way that it's at the moment so because it's salary sacrifice, so I can see it in your account at the moment. It's about a $103.43 a fortnight. Does that sound about right? Yeah. Now because that comes out of your salary before tax, it's already claimed that. So you can only do the tax back on after tax contribution because you've already paid the tax on it. Does that make sense? Yeah. So it's basically you can only claim if you like, say, from your bank account, you decide to do extra contributions yourself or if your employer, for some reason, have it set up that they take it after tax, which typically you wouldn't do, you would do it pretax because at the end of the day, it means that when you're doing the salary sacrifice, you get a pretax straight away versus if you do it after tax, it means that you have less money. And then at the end of the financial year, you might get a little bit of a lump sum, but most people will prefer throughout the year to get that kind of steady income, if that makes sense. Yep. Obviously, something to be mindful of with if you do make the contributions into super regardless of which way you do it, is that it is locked into your meter condition of release. And especially if it is that you said that it's a little bit, you know, unsure with cash flow and a lot of people nowadays with, you know, increasing mortgage or rent and living expenses and everything, people are struggling a little bit more. So if you do wanna make extra contribution through superannuation, it will be locked in until you meet a condition of release, which often is turning 60, stop working, 65, keep working, or if you suffer, like, financial hardship or something like that. So that is something to be mindful of. But if you do make those contributions, you can't just take it out later if you need it. Yes. The only way you can do that though is through a self managed super fund. So yeah. So you definitely can. And with yeah. It would be through a self managed super fund. Have you heard much about self managed super funds before? Yep. Yeah. Mhmm. Yeah. Yeah. And you definitely can do it through a self managed super fund. And a lot of the time, we see clients so we can definitely do self managed super funds. It is great for some clients. It's definitely not for everybody. Typically, we've seen more shutdown than opened up, and that's mainly due to all the running costs and stuff with it. Selfman Superfund is great if you have a lot of financial knowledge. So if that's obviously her occupation, fantastic because how it is is that you are basically self managing it. So you have all the liability compliance, auditing, that is what you are responsible for. Whereas, like, with Netwealth, which is what you have your super with, they are then responsible to make sure everything's compliant. You, as the owner of the self managed super fund, would do that. A lot of also, we see it where it is businesses because you can have it through a property. So you have to have it on Armpelings because it is the purpose of retirement. So you can't have it for yourself, like a holiday house or or anything that you live in. So it's obviously from the investment purposes, but you can have it from, like, renting through a company and stuff like that. So that's how you often see a business owners and stuff having Salesman at Superfund and renting it out to a business as long as it's fair market value. You see it that way. And if that's kind of if she runs a nail salon and she has a an office space, that is a very good way of doing it if you have enough money in superannuation as well. Yeah. And and there there is. And with the Salesman Superfund as well, because, like, aside from, obviously, all the the legislation and stuff that you have to be responsible for, They come also that you have to do, like, a yearly order for a a tax account and stuff like that to do it, and there are a lot more costs. So typically, asset says that to make it affordable from a tap like, for a different cost point of view, there's just no less than 250,000 in super because it costs a lot more to run. Now the more money you have, it can make it then more cost effective. But even some industry expert experts says that you need you should have closer to around the 500,000 to make it affordable. Sometimes you see, like, couples joining superannuations if you have, like, a higher balance and doing a self managed super fund. And and part of the self managed super fund is, like, you might have one property or a couple of properties, but you might not want everything into the one thing. Because that's also sometimes the issue to see is that if you have everything locked into a property, something happens and you need access to some money, it's all locked into the property. Right? So sometimes people have a property all through, and then you also have a a share portfolio. So similar to what you have in Netwealth, they have on the side as well to kind of diversify things for you. But, obviously, you kind of obviously need a a bigger balance in order to sustain that. So, yes, it can get quite quite complex, so there's a lot there's a lot you can do. But, you know, if it's something that changes down the track and especially as you see the balance grows as well, I think from a fee point of view and, you know, the goals and everything right now, what you are doing, I think, is is a good way to boost the super balance. But if it is something, you know, down the track that you are like, okay. No. I do wanna explore this further. You can always let us know as well because we do we are holistic funds, so we do settlement super funds and stuff like that as well, you know, where it is appropriate. A lot of the time, it's one of those things as well where people hear about it and think it's a fantastic idea until they then kind of find out a little bit more in regards to it. And then they're like, oh, yeah. No. That's a bit too much or, you know, I don't wanna have all that responsibility and stuff like that if something were to happen and all the costs around it as well. Exactly. But, you know, like I said, if anything does change, you know, down the track and you you want to, you know, explore things, you can always let us know. We also have your annual review coming up. It's not until about October as well where we can kind of go through everything in a bit more detail with you and see if you wanna make any other, you know, changes. You would have seen as well that we send out an ROI swapping one of the investments. Did you see that email? No? So on let me see here. The March 13, We sent an email in regards to just one of the investments which is we made to the portfolio. Yeah. You didn't have to action anything. It was just more for your reference just to see that we have, you know, done a lot of research into the different investments and, you know, it's always good. Things are always changing in the world and in the market, and it is good to obviously keep on top of it. And sometimes we do need to make some changes to investments to make sure that everything continues, you know, to grow and put you in the best position. So go and have a little little read over that if you have a moment. You don't have to action it or anything. It's just for your reference, basically. Mhmm. I have here, yeah, that it was sent on the thirteenth. Yes. Yes. Yes. No worries. You didn't. Just just for your reference. Yeah. Would you like the team to send you an email with the contributions detail if you do decide to make ad hoc contributions after tax? Or what are your thought at the moment? Yeah. Yeah. Mhmm. Yep. Yeah. Yep. Yep. Yeah. Okay. Yes. Oh, that's good. Yeah. Just be just be mindful of that 30,000, but you do have plenty of space at the moment. If you don't if it is that you do get a big bonus or a big pay rise, just be mindful. But if you're only looking about, you know, under five or something like that, you do have plenty of space. Yep. Yep. Perfect. Would you like the team to send you the an email with your details on how to make those contributions, or do you wanna give us a call when you're ready to do it? Or what's easiest for you? Yep. Yep. We can do that. That way you have the information there. And then when you have done, we can even just respond to that email. I'll make sure they cc me in as well, and then we can make that notice of intent for you. Yeah. No. That's perfect. Because sometimes we get people calling me a couple of days before the end of this financial year, and they're like, oh, how do I make contributions now? And it's like, network, you know, super fun sometimes takes a little bit too, so I can't guarantee anything. So, yes, if you do it at, like, June, that's perfect. Yep. Perfect. Now did you have any other questions for me today otherwise? No? Yeah. Mhmm. Mhmm. Yeah. Just a bit more in-depth. Mhmm. Mhmm. Mhmm. Yep. Yep. Yeah. Just maximize. Yeah. We can do that, and we can even do a bit of an updated SOA even where we do a bit more updated projections and stuff just to kind of see, well, how are things tracking by doing the contributions you were doing, you know, where where is everything at. We can definitely do that. Yep. Yeah. Accountants always yep. But you're not doing too bad, honestly. Obviously, it's the it's dependent on your income and and everything like that. But for your age and what you're seeing in the industry average, it's not that bad. So and you can even just, like, if just for your reference, if you do wanna, you know, keep a bit of an eye on it as well on more MoneySmart, it's called. They do kind of, let's see here, industry averages in Australia, different super balances and different age brackets. It doesn't mean that that's necessarily what you need to retire on, but it shows you kind of at least the the the average in Australia where people are at. So sometimes it's a good idea to kind of be like, okay. Well, you know, where am I at in relative to people in my age in Australia, at least? Okay. Exactly. Correct. Yes. Yes. Very much so. Yes. Yes. And if you are a sole trader, you don't have to. Only if you, you know, are a business where you pay yourself a wage. So yes. Yeah. I'll make a little note, and we can kind of do a bit more in-depth during the under review, which is, yeah, coming up about October. But if it is any point that you do wanna bring it forward, again, just give us a call or send us an email, and we can always do that. Yeah. Yes. It would have been around October when it was your annual review. Mhmm. It's all going. Yeah. Yeah. Yeah. We can definitely do that. Yeah. Yeah. Now do you want me to set a reminder for the team to reach out a bit earlier, or what are you thinking? Yeah? Okay. Do you think around around June before you do the contributions or a bit later? Yes? Okay. Yes. Alright. Well, I'll make a little note to the team to reach out to you June, see how you're going. And if you do wanna book in for the annual review, then we can kind of go through everything there. And then we can run the numbers as well just to see how much space you have, if you wanted to make a difference of contributions around that time anyway. Yeah. Perfect. Well, if you don't have any other questions, Derek, I will let you go and enjoy your afternoon. Keep a lookout for that email with the contribution details. Otherwise, I will get the team to reach out that June. No problem at all. I look forward to speaking with you soon again. Thank you. 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afternoon, Derek. This is Veronica from OC Financial. How are you? Yeah. I'm good.\n\nThanks. I had you booked in for a little bit of a catch up. Is now still a good time? Yeah. Perfect.\n\nNow just before I do go any further, just like usual, just confirming that you're happy for this call to be recorded for training and coaching purposes. Yep. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Yep.\n\nPerfect. That's exactly what I have here. And how's your day been so far? Been busy? Yeah.\n\nAlmost yeah. No. I I feel you. Almost finished for the day, though. Would you have much more to go?\n\nOh, sorry. Yeah. Yeah. So it's yeah. So it's yes.\n\nIt's 05:00 here in Queensland. Yeah. Now I had you booked in to talk a little bit about you potentially wanting to make some extra contributions into superannuation. Yeah. Yeah.\n\nI think that was what you were kind of looking at doing. I think from the note here is, like, you spoke to your accountant and he kind of suggested as well for you to make a little bit of extra extra contributions into superannuation potentially to reduce your taxable income. Yep. Yeah. Notice of intent.\n\nYeah. So yes. So there are different ways, obviously, you can do it and depending on how you want to do it. Now I know that you have salary sacrificed already as well, and your income's still around 105,000? Yep.\n\nPerfect. And your employer still just pays you that standard 12% contribution? Yes. Like, you don't have a special enterprise bargain agreement that gives you access to additional super or anything like that? No.\n\nOkay. And do you obviously, if you're going through that at the moment, you might not know. But do you know kind of a rough idea of the pay that can be expected? Because that will bump up your contributions. Okay.\n\nYep. Perfect. Mhmm. Right. No.\n\nYep. Oh, that's nice. Okay. Yeah. And do you get any, like, bonuses and stuff like that or commissions, or is it just kind of based pay?\n\nOkay. Yep. Yep. Mhmm. Okay.\n\nYep. And do you know if you get a bonus and overtime, if you get paid through the contributions on that. Yep. Most of the time bonuses, people do get contributions. Overtime, not always.\n\nSome does. So the only reason I do ask is to make a notice of intent, which is where let's say if you want to make a couple of ad hoc contributions into super, so that would obviously be from your after tax income, like, from your bank account. So if you make a couple of contributions that way, the way that it goes into superannuation initially is what we call your non concessional contributions, which is after tax. Now doing before the end of financial, you get that notice of intent changes them through pretax contribution, which is where you do get that little tax back, which is probably what your kind of accountant was talking to you about, which is a great way. The only thing is that there are cap spaces to be mindful of.\n\nSo the concessional, which is the pretax contribution, which is where your employer contributions and your salary sacrifice counts to it, at the moment, it's 30,000. So if your income is around 105 and we don't factor in any bonus or overtime, your standard salary sacrifice that you were doing at the moment, that takes at the moment, that's for about 15,223 out of the 30,000. So you do still have plenty of space if you wanted to make a bit of extra contributions and get the tax back. Do you have any amount of what you were thinking? Because if it's more than, obviously, 15 or closer to that, then I would just be wary.\n\nOkay. That's good. Okay. Yeah. From the from the from the space, you do have you do have capacity to do that.\n\nSo if you wanted to do 5,000, you can. And just let us know if you do it because then especially before the end of the financial year, so a couple of weeks before the end of financial year, just to make sure there's enough time for it to clear, we can do that notice of intent for you. So we can launch that straight away with your super fund and get that sorted. And then we just give you the document and you would just literally give that to your account. So it's pretty straightforward from from that point of view.\n\nMhmm. Yep. Yep. You can just send me an email or call and say, hey. I put a contribution of $3,000.\n\nCan you can you claim the notice of intent on the whole amount? Then we can do that for you. Volunteers, you do it after tax as well as salary sacrifice? Mhmm. Yes.\n\nYes. No. Because the way that it's at the moment so because it's salary sacrifice, so I can see it in your account at the moment. It's about a $103.43 a fortnight. Does that sound about right?\n\nYeah. Now because that comes out of your salary before tax, it's already claimed that. So you can only do the tax back on after tax contribution because you've already paid the tax on it. Does that make sense? Yeah.\n\nSo it's basically you can only claim if you like, say, from your bank account, you decide to do extra contributions yourself or if your employer, for some reason, have it set up that they take it after tax, which typically you wouldn't do, you would do it pretax because at the end of the day, it means that when you're doing the salary sacrifice, you get a pretax straight away versus if you do it after tax, it means that you have less money. And then at the end of the financial year, you might get a little bit of a lump sum, but most people will prefer throughout the year to get that kind of steady income, if that makes sense. Yep. Obviously, something to be mindful of with if you do make the contributions into super regardless of which way you do it, is that it is locked into your meter condition of release. And especially if it is that you said that it's a little bit, you know, unsure with cash flow and a lot of people nowadays with, you know, increasing mortgage or rent and living expenses and everything, people are struggling a little bit more.\n\nSo if you do wanna make extra contribution through superannuation, it will be locked in until you meet a condition of release, which often is turning 60, stop working, 65, keep working, or if you suffer, like, financial hardship or something like that. So that is something to be mindful of. But if you do make those contributions, you can't just take it out later if you need it. Yes. The only way you can do that though is through a self managed super fund.\n\nSo yeah. So you definitely can. And with yeah. It would be through a self managed super fund. Have you heard much about self managed super funds before?\n\nYep. Yeah. Mhmm. Yeah. Yeah.\n\nAnd you definitely can do it through a self managed super fund. And a lot of the time, we see clients so we can definitely do self managed super funds. It is great for some clients. It's definitely not for everybody. Typically, we've seen more shutdown than opened up, and that's mainly due to all the running costs and stuff with it.\n\nSelfman Superfund is great if you have a lot of financial knowledge. So if that's obviously her occupation, fantastic because how it is is that you are basically self managing it. So you have all the liability compliance, auditing, that is what you are responsible for. Whereas, like, with Netwealth, which is what you have your super with, they are then responsible to make sure everything's compliant. You, as the owner of the self managed super fund, would do that.\n\nA lot of also, we see it where it is businesses because you can have it through a property. So you have to have it on Armpelings because it is the purpose of retirement. So you can't have it for yourself, like a holiday house or or anything that you live in. So it's obviously from the investment purposes, but you can have it from, like, renting through a company and stuff like that. So that's how you often see a business owners and stuff having Salesman at Superfund and renting it out to a business as long as it's fair market value.\n\nYou see it that way. And if that's kind of if she runs a nail salon and she has a an office space, that is a very good way of doing it if you have enough money in superannuation as well. Yeah. And and there there is. And with the Salesman Superfund as well, because, like, aside from, obviously, all the the legislation and stuff that you have to be responsible for, They come also that you have to do, like, a yearly order for a a tax account and stuff like that to do it, and there are a lot more costs.\n\nSo typically, asset says that to make it affordable from a tap like, for a different cost point of view, there's just no less than 250,000 in super because it costs a lot more to run. Now the more money you have, it can make it then more cost effective. But even some industry expert experts says that you need you should have closer to around the 500,000 to make it affordable. Sometimes you see, like, couples joining superannuations if you have, like, a higher balance and doing a self managed super fund. And and part of the self managed super fund is, like, you might have one property or a couple of properties, but you might not want everything into the one thing.\n\nBecause that's also sometimes the issue to see is that if you have everything locked into a property, something happens and you need access to some money, it's all locked into the property. Right? So sometimes people have a property all through, and then you also have a a share portfolio. So similar to what you have in Netwealth, they have on the side as well to kind of diversify things for you. But, obviously, you kind of obviously need a a bigger balance in order to sustain that.\n\nSo, yes, it can get quite quite complex, so there's a lot there's a lot you can do. But, you know, if it's something that changes down the track and especially as you see the balance grows as well, I think from a fee point of view and, you know, the goals and everything right now, what you are doing, I think, is is a good way to boost the super balance. But if it is something, you know, down the track that you are like, okay. No. I do wanna explore this further.\n\nYou can always let us know as well because we do we are holistic funds, so we do settlement super funds and stuff like that as well, you know, where it is appropriate. A lot of the time, it's one of those things as well where people hear about it and think it's a fantastic idea until they then kind of find out a little bit more in regards to it. And then they're like, oh, yeah. No. That's a bit too much or, you know, I don't wanna have all that responsibility and stuff like that if something were to happen and all the costs around it as well.\n\nExactly. But, you know, like I said, if anything does change, you know, down the track and you you want to, you know, explore things, you can always let us know. We also have your annual review coming up. It's not until about October as well where we can kind of go through everything in a bit more detail with you and see if you wanna make any other, you know, changes. You would have seen as well that we send out an ROI swapping one of the investments.\n\nDid you see that email? No? So on let me see here. The March 13, We sent an email in regards to just one of the investments which is we made to the portfolio. Yeah.\n\nYou didn't have to action anything. It was just more for your reference just to see that we have, you know, done a lot of research into the different investments and, you know, it's always good. Things are always changing in the world and in the market, and it is good to obviously keep on top of it. And sometimes we do need to make some changes to investments to make sure that everything continues, you know, to grow and put you in the best position. So go and have a little little read over that if you have a moment.\n\nYou don't have to action it or anything. It's just for your reference, basically. Mhmm. I have here, yeah, that it was sent on the thirteenth. Yes.\n\nYes. Yes. No worries. You didn't. Just just for your reference.\n\nYeah. Would you like the team to send you an email with the contributions detail if you do decide to make ad hoc contributions after tax? Or what are your thought at the moment? Yeah. Yeah.\n\nMhmm. Yep. Yeah. Yep. Yep.\n\nYeah. Okay. Yes. Oh, that's good. Yeah.\n\nJust be just be mindful of that 30,000, but you do have plenty of space at the moment. If you don't if it is that you do get a big bonus or a big pay rise, just be mindful. But if you're only looking about, you know, under five or something like that, you do have plenty of space. Yep. Yep.\n\nPerfect. Would you like the team to send you the an email with your details on how to make those contributions, or do you wanna give us a call when you're ready to do it? Or what's easiest for you? Yep. Yep.\n\nWe can do that. That way you have the information there. And then when you have done, we can even just respond to that email. I'll make sure they cc me in as well, and then we can make that notice of intent for you. Yeah.\n\nNo. That's perfect. Because sometimes we get people calling me a couple of days before the end of this financial year, and they're like, oh, how do I make contributions now? And it's like, network, you know, super fun sometimes takes a little bit too, so I can't guarantee anything. So, yes, if you do it at, like, June, that's perfect.\n\nYep. Perfect. Now did you have any other questions for me today otherwise? No? Yeah.\n\nMhmm. Mhmm. Yeah. Just a bit more in-depth. Mhmm.\n\nMhmm. Mhmm. Yep. Yep. Yeah.\n\nJust maximize. Yeah. We can do that, and we can even do a bit of an updated SOA even where we do a bit more updated projections and stuff just to kind of see, well, how are things tracking by doing the contributions you were doing, you know, where where is everything at. We can definitely do that. Yep.\n\nYeah. Accountants always yep. But you're not doing too bad, honestly. Obviously, it's the it's dependent on your income and and everything like that. But for your age and what you're seeing in the industry average, it's not that bad.\n\nSo and you can even just, like, if just for your reference, if you do wanna, you know, keep a bit of an eye on it as well on more MoneySmart, it's called. They do kind of, let's see here, industry averages in Australia, different super balances and different age brackets. It doesn't mean that that's necessarily what you need to retire on, but it shows you kind of at least the the the average in Australia where people are at. So sometimes it's a good idea to kind of be like, okay. Well, you know, where am I at in relative to people in my age in Australia, at least?\n\nOkay. Exactly. Correct. Yes. Yes.\n\nVery much so. Yes. Yes. And if you are a sole trader, you don't have to. Only if you, you know, are a business where you pay yourself a wage.\n\nSo yes. Yeah. I'll make a little note, and we can kind of do a bit more in-depth during the under review, which is, yeah, coming up about October. But if it is any point that you do wanna bring it forward, again, just give us a call or send us an email, and we can always do that. Yeah.\n\nYes. It would have been around October when it was your annual review. Mhmm. It's all going. Yeah.\n\nYeah. Yeah. We can definitely do that. Yeah. Yeah.\n\nNow do you want me to set a reminder for the team to reach out a bit earlier, or what are you thinking? Yeah? Okay. Do you think around around June before you do the contributions or a bit later? Yes?\n\nOkay. Yes. Alright. Well, I'll make a little note to the team to reach out to you June, see how you're going. And if you do wanna book in for the annual review, then we can kind of go through everything there.\n\nAnd then we can run the numbers as well just to see how much space you have, if you wanted to make a difference of contributions around that time anyway. Yeah. Perfect. Well, if you don't have any other questions, Derek, I will let you go and enjoy your afternoon. Keep a lookout for that email with the contribution details.\n\nOtherwise, I will get the team to reach out that June. No problem at all. I look forward to speaking with you soon again. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Derek.","start":4.48,"end":5.52,"sentiment":"positive","sentiment_score":0.4297982652982076},{"text":"This is Veronica from OC Financial.","start":5.52,"end":7.7,"sentiment":"neutral","sentiment_score":0.31676213443279266},{"text":"How are you?","start":7.8399997,"end":8.58,"sentiment":"neutral","sentiment_score":0.26910683512687683},{"text":"Yeah.","start":11.44,"end":11.759999,"sentiment":"positive","sentiment_score":0.38287824392318726},{"text":"I'm good.","start":11.759999,"end":12.4,"sentiment":"positive","sentiment_score":0.5556149780750275}],"sentiment":"positive","sentiment_score":0.3660930871963501,"num_words":15,"start":4.48,"end":12.4},{"sentences":[{"text":"Thanks.","start":12.4,"end":12.9,"sentiment":"positive","sentiment_score":0.5770952701568604},{"text":"I had you booked in for a little bit of a catch up.","start":14.125,"end":16.525,"sentiment":"neutral","sentiment_score":0.20118885544630197},{"text":"Is now still a good time?","start":16.525,"end":17.985,"sentiment":"neutral","sentiment_score":0.2171191150943438},{"text":"Yeah.","start":19.645,"end":20.145,"sentiment":"neutral","sentiment_score":0.2858119606971741},{"text":"Perfect.","start":20.365,"end":20.865,"sentiment":"positive","sentiment_score":0.5213642120361328}],"sentiment":"neutral","sentiment_score":0.24102005701173435,"num_words":22,"start":12.4,"end":20.865},{"sentences":[{"text":"Now just before I do go any further, just like usual, just confirming that you're happy for this call to be recorded for training and coaching purposes.","start":21.485,"end":29.92,"sentiment":"positive","sentiment_score":0.35773960197413407},{"text":"Yep.","start":31.98,"end":32.48,"sentiment":"neutral","sentiment_score":0.14708322286605835},{"text":"Perfect.","start":32.54,"end":33.04,"sentiment":"positive","sentiment_score":0.35806411504745483},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?","start":33.18,"end":41.6,"sentiment":"neutral","sentiment_score":0.097126194777397},{"text":"Yep.","start":52.215,"end":52.695,"sentiment":"neutral","sentiment_score":0.1523902714252472}],"sentiment":"neutral","sentiment_score":0.22931764155094111,"num_words":56,"start":21.485,"end":52.695},{"sentences":[{"text":"Perfect.","start":52.695,"end":53.095,"sentiment":"positive","sentiment_score":0.49810612201690674},{"text":"That's exactly what I have here.","start":53.095,"end":54.775,"sentiment":"positive","sentiment_score":0.5436403999725977},{"text":"And how's your day been so far?","start":54.775,"end":56.295002,"sentiment":"neutral","sentiment_score":0.14949526531355722},{"text":"Been busy?","start":56.295002,"end":57.035004,"sentiment":"neutral","sentiment_score":-0.11433691158890723},{"text":"Yeah.","start":60.41,"end":60.91,"sentiment":"neutral","sentiment_score":-0.07342493534088135}],"sentiment":"neutral","sentiment_score":0.26495980120757046,"num_words":17,"start":52.695,"end":60.91},{"sentences":[{"text":"Almost yeah.","start":62.409996,"end":69.53,"sentiment":"neutral","sentiment_score":-0.17663175612688065},{"text":"No.","start":69.53,"end":69.93,"sentiment":"neutral","sentiment_score":-0.18361935019493103},{"text":"I I feel you.","start":69.93,"end":71.229996,"sentiment":"neutral","sentiment_score":-0.1275283843278885},{"text":"Almost finished for the day, though.","start":72.295,"end":73.815,"sentiment":"neutral","sentiment_score":-0.06558579082290332},{"text":"Would you have much more to go?","start":73.815,"end":75.275,"sentiment":"neutral","sentiment_score":-0.072935481688806}],"sentiment":"neutral","sentiment_score":-0.09755297582596541,"num_words":20,"start":62.409996,"end":75.275},{"sentences":[{"text":"Oh, sorry.","start":77.735,"end":78.395004,"sentiment":"neutral","sentiment_score":-0.10364985093474388},{"text":"Yeah.","start":80.615,"end":81.115,"sentiment":"neutral","sentiment_score":-0.009683200158178806},{"text":"Yeah.","start":83.94,"end":84.44,"sentiment":"neutral","sentiment_score":-0.025663211941719055},{"text":"So it's yeah.","start":85.700005,"end":86.740005,"sentiment":"neutral","sentiment_score":-0.046342854698499046},{"text":"So it's yes.","start":86.740005,"end":88.26,"sentiment":"neutral","sentiment_score":0.0040336092934012404}],"sentiment":"neutral","sentiment_score":-0.0369573850184679,"num_words":10,"start":77.735,"end":88.26},{"sentences":[{"text":"It's 05:00 here in Queensland.","start":88.26,"end":90.36,"sentiment":"neutral","sentiment_score":0.005785604007542133},{"text":"Yeah.","start":92.42,"end":92.92,"sentiment":"neutral","sentiment_score":0.0360153503715992},{"text":"Now I had you booked in to talk a little bit about you potentially wanting to make some extra contributions into superannuation.","start":94.82,"end":101.445,"sentiment":"neutral","sentiment_score":0.0431063249707222},{"text":"Yeah.","start":105.905,"end":106.405,"sentiment":"neutral","sentiment_score":0.03858951851725578},{"text":"Yeah.","start":112.29,"end":112.79,"sentiment":"neutral","sentiment_score":0.06488708406686783}],"sentiment":"neutral","sentiment_score":0.03722530407831073,"num_words":30,"start":88.26,"end":112.79},{"sentences":[{"text":"I think that was what you were kind of looking at doing.","start":113.329994,"end":116.369995,"sentiment":"neutral","sentiment_score":0.0462692246461908},{"text":"I think from the note here is, like, you spoke to your accountant and he kind of suggested as well for you to make a little bit of extra extra contributions into superannuation potentially to reduce your taxable income.","start":116.369995,"end":130.595,"sentiment":"neutral","sentiment_score":-0.01918451655178498},{"text":"Yep.","start":142.31,"end":142.81,"sentiment":"neutral","sentiment_score":-0.05338042974472046},{"text":"Yeah.","start":146.47,"end":146.87,"sentiment":"neutral","sentiment_score":-0.013834372162818909},{"text":"Notice of intent.","start":146.87,"end":148.01,"sentiment":"neutral","sentiment_score":-0.05702463289101919}],"sentiment":"neutral","sentiment_score":-0.007700966970462885,"num_words":56,"start":113.329994,"end":148.01},{"sentences":[{"text":"Yeah.","start":148.31,"end":148.70999,"sentiment":"neutral","sentiment_score":0.020566990599036217},{"text":"So yes.","start":148.70999,"end":150.65,"sentiment":"neutral","sentiment_score":0.039538102224469185},{"text":"So there are different ways, obviously, you can do it and depending on how you want to do it.","start":150.95,"end":155.98999,"sentiment":"neutral","sentiment_score":0.07677865695012243},{"text":"Now I know that you have salary sacrificed already as well, and your income's still around 105,000?","start":155.98999,"end":164.465,"sentiment":"neutral","sentiment_score":0.007523551658617661},{"text":"Yep.","start":166.365,"end":166.865,"sentiment":"neutral","sentiment_score":0.18511949479579928}],"sentiment":"neutral","sentiment_score":0.04678643875231501,"num_words":40,"start":148.31,"end":166.865},{"sentences":[{"text":"Perfect.","start":167.085,"end":167.485,"sentiment":"positive","sentiment_score":0.5244142413139343},{"text":"And your employer still just pays you that standard 12% contribution?","start":167.485,"end":170.785,"sentiment":"neutral","sentiment_score":0.1551696712320501},{"text":"Yes.","start":174.7,"end":175.01999,"sentiment":"neutral","sentiment_score":0.05790292099118233},{"text":"Like, you don't have a special enterprise bargain agreement that gives you access to additional super or anything like that?","start":175.01999,"end":184.56,"sentiment":"neutral","sentiment_score":-0.03895134637132287},{"text":"No.","start":184.62,"end":185.12,"sentiment":"neutral","sentiment_score":-0.3170766532421112}],"sentiment":"neutral","sentiment_score":0.0350905872114441,"num_words":34,"start":167.085,"end":185.12},{"sentences":[{"text":"Okay.","start":193.47499,"end":193.97499,"sentiment":"neutral","sentiment_score":-0.035161495208740234},{"text":"And do you obviously, if you're going through that at the moment, you might not know.","start":194.275,"end":199.155,"sentiment":"neutral","sentiment_score":-0.049335947493091226},{"text":"But do you know kind of a rough idea of the pay that can be expected?","start":199.155,"end":205.29,"sentiment":"neutral","sentiment_score":-0.07406865805387497},{"text":"Because that will bump up your contributions.","start":205.29,"end":207.31,"sentiment":"neutral","sentiment_score":-0.09368703195026942},{"text":"Okay.","start":218.53499,"end":219.03499,"sentiment":"neutral","sentiment_score":0.05449037253856659}],"sentiment":"neutral","sentiment_score":-0.06368180573350046,"num_words":41,"start":193.47499,"end":219.03499},{"sentences":[{"text":"Yep.","start":219.33499,"end":219.83499,"sentiment":"neutral","sentiment_score":0.11498726904392242},{"text":"Perfect.","start":219.97499,"end":220.47499,"sentiment":"neutral","sentiment_score":0.23246751725673676},{"text":"Mhmm.","start":240.18001,"end":240.68001,"sentiment":"neutral","sentiment_score":-0.31272798776626587},{"text":"Right.","start":243.22,"end":243.72,"sentiment":"neutral","sentiment_score":-0.23221661150455475},{"text":"No.","start":252.895,"end":253.395,"sentiment":"neutral","sentiment_score":-0.137556254863739}],"sentiment":"neutral","sentiment_score":-0.0670092135667801,"num_words":5,"start":219.33499,"end":253.395},{"sentences":[{"text":"Yep.","start":256.895,"end":257.395,"sentiment":"neutral","sentiment_score":0.24240213632583615},{"text":"Oh, that's nice.","start":257.615,"end":258.675,"sentiment":"neutral","sentiment_score":0.19683894018332163},{"text":"Okay.","start":263.66,"end":264.16,"sentiment":"neutral","sentiment_score":0.045517582446336746},{"text":"Yeah.","start":269.34003,"end":269.84003,"sentiment":"neutral","sentiment_score":0.0433005765080452},{"text":"And do you get any, like, bonuses and stuff like that or commissions, or is it just kind of based pay?","start":269.90002,"end":277.735,"sentiment":"neutral","sentiment_score":0.019487969399917694}],"sentiment":"neutral","sentiment_score":0.0492957212306835,"num_words":27,"start":256.895,"end":277.735},{"sentences":[{"text":"Okay.","start":293.3,"end":293.78,"sentiment":"neutral","sentiment_score":0.1695055067539215},{"text":"Yep.","start":293.78,"end":294.28,"sentiment":"neutral","sentiment_score":0.1962624490261078},{"text":"Yep.","start":299.46,"end":299.96,"sentiment":"neutral","sentiment_score":0.19628958404064176},{"text":"Mhmm.","start":307.385,"end":307.885,"sentiment":"neutral","sentiment_score":0.0348815955221653},{"text":"Okay.","start":309.705,"end":310.205,"sentiment":"neutral","sentiment_score":0.14702342450618744}],"sentiment":"neutral","sentiment_score":0.14879251196980475,"num_words":5,"start":293.3,"end":310.205},{"sentences":[{"text":"Yep.","start":312.745,"end":313.245,"sentiment":"neutral","sentiment_score":0.3244568407535553},{"text":"And do you know if you get a bonus and overtime, if you get paid through the contributions on that.","start":315.225,"end":324.15,"sentiment":"neutral","sentiment_score":0.16112287119030952},{"text":"Yep.","start":328.45,"end":328.95,"sentiment":"neutral","sentiment_score":0.1607058346271515},{"text":"Most of the time bonuses, people do get contributions.","start":329.57,"end":332.39,"sentiment":"neutral","sentiment_score":0.1832788752184974},{"text":"Overtime, not always.","start":332.93,"end":334.71002,"sentiment":"neutral","sentiment_score":0.01667471726735433}],"sentiment":"neutral","sentiment_score":0.15903394493986578,"num_words":34,"start":312.745,"end":334.71002},{"sentences":[{"text":"Some does.","start":337.155,"end":337.895,"sentiment":"neutral","sentiment_score":0.13280289620161057},{"text":"So the only reason I do ask is to make a notice of intent, which is where let's say if you want to make a couple of ad hoc contributions into super, so that would obviously be from your after tax income, like, from your bank account.","start":338.03497,"end":353.24,"sentiment":"neutral","sentiment_score":0.10136481794588109},{"text":"So if you make a couple of contributions that way, the way that it goes into superannuation initially is what we call your non concessional contributions, which is after tax.","start":353.78,"end":366.805,"sentiment":"neutral","sentiment_score":0.19428525244196257},{"text":"Now doing before the end of financial, you get that notice of intent changes them through pretax contribution, which is where you do get that little tax back, which is probably what your kind of accountant was talking to you about, which is a great way.","start":367.425,"end":382.69,"sentiment":"neutral","sentiment_score":0.27856594842413196},{"text":"The only thing is that there are cap spaces to be mindful of.","start":383.31,"end":387.81,"sentiment":"neutral","sentiment_score":-0.13498901174618647}],"sentiment":"neutral","sentiment_score":0.158822364376291,"num_words":138,"start":337.155,"end":387.81},{"sentences":[{"text":"So the concessional, which is the pretax contribution, which is where your employer contributions and your salary sacrifice counts to it, at the moment, it's 30,000.","start":387.95,"end":402.785,"sentiment":"neutral","sentiment_score":0.05575640721676441},{"text":"So if your income is around 105 and we don't factor in any bonus or overtime, your standard salary sacrifice that you were doing at the moment, that takes at the moment, that's for about 15,223 out of the 30,000.","start":404.045,"end":425.22498,"sentiment":"neutral","sentiment_score":0.008532209554687142},{"text":"So you do still have plenty of space if you wanted to make a bit of extra contributions and get the tax back.","start":425.22498,"end":433.00497,"sentiment":"positive","sentiment_score":0.3650831631992174},{"text":"Do you have any amount of what you were thinking?","start":435.06,"end":437.78,"sentiment":"neutral","sentiment_score":-0.007574930787086487},{"text":"Because if it's more than, obviously, 15 or closer to that, then I would just be wary.","start":437.78,"end":444.52,"sentiment":"neutral","sentiment_score":-0.1491187885403633}],"sentiment":"neutral","sentiment_score":0.06531981905472689,"num_words":116,"start":387.95,"end":444.52},{"sentences":[{"text":"Okay.","start":444.82,"end":445.32,"sentiment":"neutral","sentiment_score":-0.0278988778591156},{"text":"That's good.","start":445.38,"end":446.12,"sentiment":"neutral","sentiment_score":0.07411118410527706},{"text":"Okay.","start":457.865,"end":458.365,"sentiment":"neutral","sentiment_score":-0.014195609837770462},{"text":"Yeah.","start":458.745,"end":459.245,"sentiment":"neutral","sentiment_score":-0.04616955295205116},{"text":"From the from the from the space, you do have you do have capacity to do that.","start":459.54498,"end":465.22998,"sentiment":"neutral","sentiment_score":0.09476391861543935}],"sentiment":"neutral","sentiment_score":0.07595204291018573,"num_words":22,"start":444.82,"end":465.22998},{"sentences":[{"text":"So if you wanted to do 5,000, you can.","start":465.22998,"end":467.65,"sentiment":"neutral","sentiment_score":0.17360635929637486},{"text":"And just let us know if you do it because then especially before the end of the financial year, so a couple of weeks before the end of financial year, just to make sure there's enough time for it to clear, we can do that notice of intent for you.","start":468.03,"end":484.045,"sentiment":"neutral","sentiment_score":0.1377361473441124},{"text":"So we can launch that straight away with your super fund and get that sorted.","start":484.045,"end":489.265,"sentiment":"positive","sentiment_score":0.37895873188972473},{"text":"And then we just give you the document and you would just literally give that to your account.","start":490.04,"end":494.30002,"sentiment":"positive","sentiment_score":0.3359103732638889},{"text":"So it's pretty straightforward from from that point of view.","start":494.84,"end":498.22,"sentiment":"positive","sentiment_score":0.3660886824131012}],"sentiment":"neutral","sentiment_score":0.2337345011970576,"num_words":102,"start":465.22998,"end":498.22},{"sentences":[{"text":"Mhmm.","start":502.92,"end":503.42,"sentiment":"neutral","sentiment_score":0.12125608325004578},{"text":"Yep.","start":506.765,"end":507.005,"sentiment":"neutral","sentiment_score":0.225333571434021},{"text":"Yep.","start":507.005,"end":507.48502,"sentiment":"neutral","sentiment_score":0.2122780680656433},{"text":"You can just send me an email or call and say, hey.","start":507.48502,"end":510.525,"sentiment":"neutral","sentiment_score":0.08512437126288812},{"text":"I put a contribution of $3,000.","start":510.525,"end":513.405,"sentiment":"neutral","sentiment_score":0.16414193312327066}],"sentiment":"neutral","sentiment_score":0.12215294174495198,"num_words":21,"start":502.92,"end":513.405},{"sentences":[{"text":"Can you can you claim the notice of intent on the whole amount?","start":513.405,"end":516.78503,"sentiment":"neutral","sentiment_score":0.2273351469865212},{"text":"Then we can do that for you.","start":517.885,"end":519.505,"sentiment":"positive","sentiment_score":0.33788215262549265},{"text":"Volunteers, you do it after tax as well as salary sacrifice?","start":532.20996,"end":535.35,"sentiment":"neutral","sentiment_score":-0.0002877788448875613},{"text":"Mhmm.","start":548.185,"end":548.685,"sentiment":"neutral","sentiment_score":0.02766573056578636},{"text":"Yes.","start":549.30505,"end":549.80505,"sentiment":"neutral","sentiment_score":0.1783454269170761}],"sentiment":"neutral","sentiment_score":0.16737507786037345,"num_words":33,"start":513.405,"end":549.80505},{"sentences":[{"text":"Yes.","start":550.34503,"end":550.84503,"sentiment":"neutral","sentiment_score":0.32459181547164917},{"text":"No.","start":555.78,"end":556.1,"sentiment":"neutral","sentiment_score":-0.2928728461265564},{"text":"Because the way that it's at the moment so because it's salary sacrifice, so I can see it in your account at the moment.","start":556.1,"end":566.695,"sentiment":"neutral","sentiment_score":-0.1631967949991425},{"text":"It's about a $103.43 a fortnight.","start":566.695,"end":570.315,"sentiment":"neutral","sentiment_score":-0.05054018693044782},{"text":"Does that sound about right?","start":572.055,"end":573.675,"sentiment":"neutral","sentiment_score":0.04497879892587662}],"sentiment":"neutral","sentiment_score":-0.10711760101588191,"num_words":37,"start":550.34503,"end":573.675},{"sentences":[{"text":"Yeah.","start":575.175,"end":575.675,"sentiment":"neutral","sentiment_score":0.1143229678273201},{"text":"Now because that comes out of your salary before tax, it's already claimed that.","start":576.295,"end":583.62,"sentiment":"neutral","sentiment_score":0.06542759974087987},{"text":"So you can only do the tax back on after tax contribution because you've already paid the tax on it.","start":583.62,"end":590.36,"sentiment":"neutral","sentiment_score":-0.0013898430392146111},{"text":"Does that make sense?","start":590.58,"end":591.72,"sentiment":"neutral","sentiment_score":0.018573046661913395},{"text":"Yeah.","start":592.98,"end":593.48,"sentiment":"neutral","sentiment_score":0.0028350818902254105}],"sentiment":"neutral","sentiment_score":0.026990994298830628,"num_words":40,"start":575.175,"end":593.48},{"sentences":[{"text":"So it's basically you can only claim if you like, say, from your bank account, you decide to do extra contributions yourself or if your employer, for some reason, have it set up that they take it after tax, which typically you wouldn't do, you would do it pretax because at the end of the day, it means that when you're doing the salary sacrifice, you get a pretax straight away versus if you do it after tax, it means that you have less money.","start":595.675,"end":625.405,"sentiment":"neutral","sentiment_score":0.10350553971879622},{"text":"And then at the end of the financial year, you might get a little bit of a lump sum, but most people will prefer throughout the year to get that kind of steady income, if that makes sense.","start":625.405,"end":635.27,"sentiment":"neutral","sentiment_score":0.2328579939509693},{"text":"Yep.","start":636.52997,"end":637.02997,"sentiment":"neutral","sentiment_score":0.15730172395706177},{"text":"Obviously, something to be mindful of with if you do make the contributions into super regardless of which way you do it, is that it is locked into your meter condition of release.","start":642.52997,"end":654.605,"sentiment":"neutral","sentiment_score":-0.15388183024796573},{"text":"And especially if it is that you said that it's a little bit, you know, unsure with cash flow and a lot of people nowadays with, you know, increasing mortgage or rent and living expenses and everything, people are struggling a little bit more.","start":655.625,"end":670.52997,"sentiment":"neutral","sentiment_score":-0.23261377435516228}],"sentiment":"neutral","sentiment_score":0.012391890051649578,"num_words":201,"start":595.675,"end":670.52997},{"sentences":[{"text":"So if you do wanna make extra contribution through superannuation, it will be locked in until you meet a condition of release, which often is turning 60, stop working, 65, keep working, or if you suffer, like, financial hardship or something like that.","start":670.52997,"end":687.345,"sentiment":"neutral","sentiment_score":-0.12956557821395787},{"text":"So that is something to be mindful of.","start":687.36,"end":689.27997,"sentiment":"neutral","sentiment_score":-0.07151373289525509},{"text":"But if you do make those contributions, you can't just take it out later if you need it.","start":689.27997,"end":695.77997,"sentiment":"neutral","sentiment_score":0.05724836327135563},{"text":"Yes.","start":706.215,"end":706.715,"sentiment":"neutral","sentiment_score":0.20035411417484283},{"text":"The only way you can do that though is through a self managed super fund.","start":707.09503,"end":711.91504,"sentiment":"neutral","sentiment_score":0.12495893140633901}],"sentiment":"neutral","sentiment_score":-0.035743777673034105,"num_words":85,"start":670.52997,"end":711.91504},{"sentences":[{"text":"So yeah.","start":714.48,"end":716.0,"sentiment":"neutral","sentiment_score":0.230839341878891},{"text":"So you definitely can.","start":716.0,"end":717.54,"sentiment":"positive","sentiment_score":0.3604571968317032},{"text":"And with yeah.","start":719.19995,"end":720.88,"sentiment":"neutral","sentiment_score":0.11460023373365402},{"text":"It would be through a self managed super fund.","start":720.88,"end":723.04,"sentiment":"neutral","sentiment_score":0.0826713815331459},{"text":"Have you heard much about self managed super funds before?","start":723.04,"end":725.54,"sentiment":"neutral","sentiment_score":0.009757117927074432}],"sentiment":"neutral","sentiment_score":0.11031863519123622,"num_words":28,"start":714.48,"end":725.54},{"sentences":[{"text":"Yep.","start":738.275,"end":738.515,"sentiment":"neutral","sentiment_score":0.02149423584342003},{"text":"Yeah.","start":738.515,"end":739.015,"sentiment":"neutral","sentiment_score":0.038675591349601746},{"text":"Mhmm.","start":754.94,"end":755.44,"sentiment":"neutral","sentiment_score":0.022016659379005432},{"text":"Yeah.","start":759.985,"end":760.485,"sentiment":"neutral","sentiment_score":-0.011429988779127598},{"text":"Yeah.","start":761.425,"end":761.925,"sentiment":"neutral","sentiment_score":0.25256386399269104}],"sentiment":"neutral","sentiment_score":0.06466407235711813,"num_words":5,"start":738.275,"end":761.925},{"sentences":[{"text":"And you definitely can do it through a self managed super fund.","start":762.38495,"end":765.105,"sentiment":"positive","sentiment_score":0.3384019061923027},{"text":"And a lot of the time, we see clients so we can definitely do self managed super funds.","start":765.105,"end":770.38495,"sentiment":"positive","sentiment_score":0.3442507204082277},{"text":"It is great for some clients.","start":770.38495,"end":771.58496,"sentiment":"positive","sentiment_score":0.4992361565430959},{"text":"It's definitely not for everybody.","start":771.58496,"end":773.285,"sentiment":"neutral","sentiment_score":-0.32328765392303466},{"text":"Typically, we've seen more shutdown than opened up, and that's mainly due to all the running costs and stuff with it.","start":774.68,"end":782.7,"sentiment":"negative","sentiment_score":-0.3750565917718978}],"sentiment":"neutral","sentiment_score":0.060647194904665795,"num_words":62,"start":762.38495,"end":782.7},{"sentences":[{"text":"Selfman Superfund is great if you have a lot of financial knowledge.","start":783.32,"end":787.8,"sentiment":"positive","sentiment_score":0.4724073462809126},{"text":"So if that's obviously her occupation, fantastic because how it is is that you are basically self managing it.","start":787.8,"end":794.145,"sentiment":"positive","sentiment_score":0.5322457363730982},{"text":"So you have all the liability compliance, auditing, that is what you are responsible for.","start":794.145,"end":799.765,"sentiment":"positive","sentiment_score":0.35186336636543275},{"text":"Whereas, like, with Netwealth, which is what you have your super with, they are then responsible to make sure everything's compliant.","start":799.905,"end":805.62006,"sentiment":"positive","sentiment_score":0.33973811992577146},{"text":"You, as the owner of the self managed super fund, would do that.","start":806.48004,"end":810.66003,"sentiment":"neutral","sentiment_score":0.2995586349413945}],"sentiment":"positive","sentiment_score":0.401103380182758,"num_words":80,"start":783.32,"end":810.66003},{"sentences":[{"text":"A lot of also, we see it where it is businesses because you can have it through a property.","start":812.48004,"end":819.115,"sentiment":"neutral","sentiment_score":0.18536753089804398},{"text":"So you have to have it on Armpelings because it is the purpose of retirement.","start":819.115,"end":823.935,"sentiment":"neutral","sentiment_score":0.24789007902145385},{"text":"So you can't have it for yourself, like a holiday house or or anything that you live in.","start":825.195,"end":831.15,"sentiment":"neutral","sentiment_score":0.22197680754794014},{"text":"So it's obviously from the investment purposes, but you can have it from, like, renting through a company and stuff like that.","start":832.67004,"end":841.47003,"sentiment":"neutral","sentiment_score":0.2009034285491163},{"text":"So that's how you often see a business owners and stuff having Salesman at Superfund and renting it out to a business as long as it's fair market value.","start":841.47003,"end":850.145,"sentiment":"positive","sentiment_score":0.371304537715583}],"sentiment":"neutral","sentiment_score":0.25654003718524304,"num_words":103,"start":812.48004,"end":850.145},{"sentences":[{"text":"You see it that way.","start":851.24506,"end":852.125,"sentiment":"positive","sentiment_score":0.36763455867767336},{"text":"And if that's kind of if she runs a nail salon and she has a an office space, that is a very good way of doing it if you have enough money in superannuation as well.","start":852.125,"end":863.27997,"sentiment":"positive","sentiment_score":0.34534671695695984},{"text":"Yeah.","start":866.45996,"end":866.77997,"sentiment":"neutral","sentiment_score":0.09172949939966202},{"text":"And and there there is.","start":866.77997,"end":872.305,"sentiment":"neutral","sentiment_score":-0.023405350744724274},{"text":"And with the Salesman Superfund as well, because, like, aside from, obviously, all the the legislation and stuff that you have to be responsible for, They come also that you have to do, like, a yearly order for a a tax account and stuff like that to do it, and there are a lot more costs.","start":872.305,"end":893.59,"sentiment":"neutral","sentiment_score":0.04681098248277392}],"sentiment":"neutral","sentiment_score":0.1637550715393233,"num_words":103,"start":851.24506,"end":893.59},{"sentences":[{"text":"So typically, asset says that to make it affordable from a tap like, for a different cost point of view, there's just no less than 250,000 in super because it costs a lot more to run.","start":893.59,"end":908.675,"sentiment":"neutral","sentiment_score":0.17080494575202465},{"text":"Now the more money you have, it can make it then more cost effective.","start":908.88995,"end":912.91,"sentiment":"positive","sentiment_score":0.4585874527692795},{"text":"But even some industry expert experts says that you need you should have closer to around the 500,000 to make it affordable.","start":913.44995,"end":919.79,"sentiment":"neutral","sentiment_score":0.21957191892645575},{"text":"Sometimes you see, like, couples joining superannuations if you have, like, a higher balance and doing a self managed super fund.","start":920.57,"end":926.975,"sentiment":"neutral","sentiment_score":0.18280434608459473},{"text":"And and part of the self managed super fund is, like, you might have one property or a couple of properties, but you might not want everything into the one thing.","start":926.975,"end":937.51,"sentiment":"neutral","sentiment_score":0.05266286228452959}],"sentiment":"neutral","sentiment_score":0.18444535968404624,"num_words":124,"start":893.59,"end":937.51},{"sentences":[{"text":"Because that's also sometimes the issue to see is that if you have everything locked into a property, something happens and you need access to some money, it's all locked into the property.","start":937.51,"end":947.19,"sentiment":"neutral","sentiment_score":-0.11405230877977429},{"text":"Right?","start":947.19,"end":947.69,"sentiment":"neutral","sentiment_score":0.020858250558376312},{"text":"So sometimes people have a property all through, and then you also have a a share portfolio.","start":948.445,"end":954.125,"sentiment":"neutral","sentiment_score":0.062054132933125776},{"text":"So similar to what you have in Netwealth, they have on the side as well to kind of diversify things for you.","start":954.125,"end":961.185,"sentiment":"neutral","sentiment_score":0.2412773103199222},{"text":"But, obviously, you kind of obviously need a a bigger balance in order to sustain that.","start":961.245,"end":967.63,"sentiment":"neutral","sentiment_score":0.04307985818013549}],"sentiment":"neutral","sentiment_score":0.037184616613588975,"num_words":89,"start":937.51,"end":967.63},{"sentences":[{"text":"So, yes, it can get quite quite complex, so there's a lot there's a lot you can do.","start":970.25,"end":975.23,"sentiment":"neutral","sentiment_score":-0.13851536872486273},{"text":"But, you know, if it's something that changes down the track and especially as you see the balance grows as well, I think from a fee point of view and, you know, the goals and everything right now, what you are doing, I think, is is a good way to boost the super balance.","start":978.955,"end":992.495,"sentiment":"neutral","sentiment_score":0.14276526675180154},{"text":"But if it is something, you know, down the track that you are like, okay.","start":994.84,"end":998.04004,"sentiment":"neutral","sentiment_score":-0.0383436011771361},{"text":"No.","start":998.04004,"end":998.28,"sentiment":"neutral","sentiment_score":-0.11471151560544968},{"text":"I do wanna explore this further.","start":998.28,"end":1000.06,"sentiment":"neutral","sentiment_score":-0.008051589131355286}],"sentiment":"neutral","sentiment_score":0.04763694361169288,"num_words":94,"start":970.25,"end":1000.06},{"sentences":[{"text":"You can always let us know as well because we do we are holistic funds, so we do settlement super funds and stuff like that as well, you know, where it is appropriate.","start":1000.60004,"end":1009.415,"sentiment":"neutral","sentiment_score":0.20202582323867263},{"text":"A lot of the time, it's one of those things as well where people hear about it and think it's a fantastic idea until they then kind of find out a little bit more in regards to it.","start":1009.555,"end":1019.315,"sentiment":"positive","sentiment_score":0.3990400582551956},{"text":"And then they're like, oh, yeah.","start":1019.315,"end":1020.515,"sentiment":"neutral","sentiment_score":-0.008744438256447514},{"text":"No.","start":1020.515,"end":1021.015,"sentiment":"negative","sentiment_score":-0.44143903255462646},{"text":"That's a bit too much or, you know, I don't wanna have all that responsibility and stuff like that if something were to happen and all the costs around it as well.","start":1021.13,"end":1030.99,"sentiment":"neutral","sentiment_score":-0.24450432928279042}],"sentiment":"neutral","sentiment_score":0.1228393652857366,"num_words":110,"start":1000.60004,"end":1030.99},{"sentences":[{"text":"Exactly.","start":1039.855,"end":1040.355,"sentiment":"neutral","sentiment_score":0.1976191848516464},{"text":"But, you know, like I said, if anything does change, you know, down the track and you you want to, you know, explore things, you can always let us know.","start":1041.135,"end":1048.755,"sentiment":"neutral","sentiment_score":0.245804567138354},{"text":"We also have your annual review coming up.","start":1049.8999,"end":1052.72,"sentiment":"neutral","sentiment_score":0.2265521138906479},{"text":"It's not until about October as well where we can kind of go through everything in a bit more detail with you and see if you wanna make any other, you know, changes.","start":1052.94,"end":1062.0,"sentiment":"neutral","sentiment_score":0.20075810181372095},{"text":"You would have seen as well that we send out an ROI swapping one of the investments.","start":1063.1799,"end":1068.4651,"sentiment":"neutral","sentiment_score":0.09643800140303724}],"sentiment":"neutral","sentiment_score":0.19829928644754913,"num_words":89,"start":1039.855,"end":1068.4651},{"sentences":[{"text":"Did you see that email?","start":1068.525,"end":1072.385,"sentiment":"neutral","sentiment_score":-0.007274480350315572},{"text":"No?","start":1072.685,"end":1073.185,"sentiment":"neutral","sentiment_score":-0.0325126014649868},{"text":"So on let me see here.","start":1073.485,"end":1075.3251,"sentiment":"neutral","sentiment_score":-0.0037048403173685074},{"text":"The March 13, We sent an email in regards to just one of the investments which is we made to the portfolio.","start":1075.3251,"end":1086.34,"sentiment":"neutral","sentiment_score":0.030245038003406742},{"text":"Yeah.","start":1089.6799,"end":1090.1799,"sentiment":"neutral","sentiment_score":0.04426717758178711}],"sentiment":"neutral","sentiment_score":0.017672684815313134,"num_words":35,"start":1068.525,"end":1090.1799},{"sentences":[{"text":"You didn't have to action anything.","start":1091.1051,"end":1092.7051,"sentiment":"neutral","sentiment_score":-0.018017270291845005},{"text":"It was just more for your reference just to see that we have, you know, done a lot of research into the different investments and, you know, it's always good.","start":1092.7051,"end":1102.98,"sentiment":"neutral","sentiment_score":0.19321956522762776},{"text":"Things are always changing in the world and in the market, and it is good to obviously keep on top of it.","start":1102.98,"end":1107.48,"sentiment":"positive","sentiment_score":0.34121969003568997},{"text":"And sometimes we do need to make some changes to investments to make sure that everything continues, you know, to grow and put you in the best position.","start":1107.94,"end":1115.08,"sentiment":"positive","sentiment_score":0.3687601839857442},{"text":"So go and have a little little read over that if you have a moment.","start":1116.8351,"end":1120.515,"sentiment":"neutral","sentiment_score":0.2695938815673192}],"sentiment":"neutral","sentiment_score":0.27291593951458976,"num_words":101,"start":1091.1051,"end":1120.515},{"sentences":[{"text":"You don't have to action it or anything.","start":1120.515,"end":1121.9551,"sentiment":"neutral","sentiment_score":0.11944402940571308},{"text":"It's just for your reference, basically.","start":1121.9551,"end":1123.655,"sentiment":"neutral","sentiment_score":0.20116001119216284},{"text":"Mhmm.","start":1126.275,"end":1126.775,"sentiment":"neutral","sentiment_score":0.05387553572654724},{"text":"I have here, yeah, that it was sent on the thirteenth.","start":1130.5299,"end":1133.0299,"sentiment":"neutral","sentiment_score":0.04287978397174315},{"text":"Yes.","start":1137.1699,"end":1137.6699,"sentiment":"neutral","sentiment_score":0.1859532743692398}],"sentiment":"neutral","sentiment_score":0.10644513837717197,"num_words":27,"start":1120.515,"end":1137.6699},{"sentences":[{"text":"Yes.","start":1142.205,"end":1142.705,"sentiment":"neutral","sentiment_score":0.09338131546974182},{"text":"Yes.","start":1147.005,"end":1147.505,"sentiment":"neutral","sentiment_score":-0.017895270138978958},{"text":"No worries.","start":1149.1649,"end":1149.6449,"sentiment":"neutral","sentiment_score":0.0828026682138443},{"text":"You didn't.","start":1149.6449,"end":1150.3049,"sentiment":"neutral","sentiment_score":0.06489817425608635},{"text":"Just just for your reference.","start":1150.605,"end":1151.9049,"sentiment":"neutral","sentiment_score":0.07010687217116356}],"sentiment":"neutral","sentiment_score":0.06558382646604018,"num_words":11,"start":1142.205,"end":1151.9049},{"sentences":[{"text":"Yeah.","start":1158.05,"end":1158.55,"sentiment":"neutral","sentiment_score":0.1705644726753235},{"text":"Would you like the team to send you an email with the contributions detail if you do decide to make ad hoc contributions after tax?","start":1159.5701,"end":1170.31,"sentiment":"neutral","sentiment_score":0.15307875961065293},{"text":"Or what are your thought at the moment?","start":1172.115,"end":1174.055,"sentiment":"neutral","sentiment_score":0.05049197422340512},{"text":"Yeah.","start":1184.035,"end":1184.535,"sentiment":"neutral","sentiment_score":-0.14208713173866272},{"text":"Yeah.","start":1187.24,"end":1187.74,"sentiment":"neutral","sentiment_score":-0.03298325836658478}],"sentiment":"neutral","sentiment_score":0.11739996851732333,"num_words":36,"start":1158.05,"end":1187.74},{"sentences":[{"text":"Mhmm.","start":1190.12,"end":1190.62,"sentiment":"neutral","sentiment_score":-0.016759291291236877},{"text":"Yep.","start":1193.88,"end":1194.38,"sentiment":"neutral","sentiment_score":0.06320157647132874},{"text":"Yeah.","start":1196.12,"end":1196.62,"sentiment":"neutral","sentiment_score":0.015646718442440033},{"text":"Yep.","start":1199.0549,"end":1199.5549,"sentiment":"neutral","sentiment_score":0.02736485004425049},{"text":"Yep.","start":1202.61,"end":1203.11,"sentiment":"neutral","sentiment_score":0.007545152213424444}],"sentiment":"neutral","sentiment_score":0.019399801176041363,"num_words":5,"start":1190.12,"end":1203.11},{"sentences":[{"text":"Yeah.","start":1206.165,"end":1206.415,"sentiment":"neutral","sentiment_score":-0.0030076485127210617},{"text":"Okay.","start":1206.415,"end":1206.915,"sentiment":"neutral","sentiment_score":-0.001515640877187252},{"text":"Yes.","start":1209.215,"end":1209.715,"sentiment":"neutral","sentiment_score":0.05995841324329376},{"text":"Oh, that's good.","start":1210.93,"end":1211.65,"sentiment":"neutral","sentiment_score":0.24276730914910635},{"text":"Yeah.","start":1211.65,"end":1211.89,"sentiment":"neutral","sentiment_score":0.10369858890771866}],"sentiment":"neutral","sentiment_score":0.12677652002977474,"num_words":7,"start":1206.165,"end":1211.89},{"sentences":[{"text":"Just be just be mindful of that 30,000, but you do have plenty of space at the moment.","start":1211.89,"end":1218.0701,"sentiment":"neutral","sentiment_score":0.06433967914846209},{"text":"If you don't if it is that you do get a big bonus or a big pay rise, just be mindful.","start":1218.2101,"end":1223.27,"sentiment":"neutral","sentiment_score":0.07201127637000311},{"text":"But if you're only looking about, you know, under five or something like that, you do have plenty of space.","start":1224.05,"end":1229.725,"sentiment":"neutral","sentiment_score":0.058306459710001944},{"text":"Yep.","start":1231.0651,"end":1231.5651,"sentiment":"neutral","sentiment_score":0.07711224257946014},{"text":"Yep.","start":1232.185,"end":1232.685,"sentiment":"neutral","sentiment_score":0.2285993993282318}],"sentiment":"neutral","sentiment_score":0.06790478466475597,"num_words":61,"start":1211.89,"end":1232.685},{"sentences":[{"text":"Perfect.","start":1232.8251,"end":1233.3251,"sentiment":"neutral","sentiment_score":0.2728232741355896},{"text":"Would you like the team to send you the an email with your details on how to make those contributions, or do you wanna give us a call when you're ready to do it?","start":1234.025,"end":1243.46,"sentiment":"neutral","sentiment_score":0.12048540560199934},{"text":"Or what's easiest for you?","start":1243.46,"end":1245.08,"sentiment":"neutral","sentiment_score":0.0661873921751976},{"text":"Yep.","start":1246.26,"end":1246.76,"sentiment":"neutral","sentiment_score":0.0961141288280487},{"text":"Yep.","start":1248.02,"end":1248.52,"sentiment":"neutral","sentiment_score":0.24579641222953796}],"sentiment":"neutral","sentiment_score":0.12005177539374147,"num_words":42,"start":1232.8251,"end":1248.52},{"sentences":[{"text":"We can do that.","start":1249.14,"end":1249.86,"sentiment":"positive","sentiment_score":0.3725431486964226},{"text":"That way you have the information there.","start":1249.86,"end":1252.0399,"sentiment":"positive","sentiment_score":0.35279388087136404},{"text":"And then when you have done, we can even just respond to that email.","start":1252.725,"end":1255.865,"sentiment":"neutral","sentiment_score":0.25286115386656355},{"text":"I'll make sure they cc me in as well, and then we can make that notice of intent for you.","start":1256.005,"end":1263.545,"sentiment":"neutral","sentiment_score":0.31513365283608435},{"text":"Yeah.","start":1271.9,"end":1272.2201,"sentiment":"neutral","sentiment_score":0.1014181524515152}],"sentiment":"neutral","sentiment_score":0.3022581983519637,"num_words":46,"start":1249.14,"end":1272.2201},{"sentences":[{"text":"No.","start":1272.2201,"end":1272.4601,"sentiment":"neutral","sentiment_score":0.0949399322271347},{"text":"That's perfect.","start":1272.4601,"end":1273.1001,"sentiment":"positive","sentiment_score":0.45938417315483093},{"text":"Because sometimes we get people calling me a couple of days before the end of this financial year, and they're like, oh, how do I make contributions now?","start":1273.1001,"end":1279.5801,"sentiment":"neutral","sentiment_score":0.14652119310838835},{"text":"And it's like, network, you know, super fun sometimes takes a little bit too, so I can't guarantee anything.","start":1279.5801,"end":1284.375,"sentiment":"neutral","sentiment_score":0.19261932441670643},{"text":"So, yes, if you do it at, like, June, that's perfect.","start":1284.375,"end":1287.1951,"sentiment":"neutral","sentiment_score":0.3065390356562354}],"sentiment":"neutral","sentiment_score":0.19914751215914234,"num_words":61,"start":1272.2201,"end":1287.1951},{"sentences":[{"text":"Yep.","start":1289.175,"end":1289.675,"sentiment":"positive","sentiment_score":0.38042205572128296},{"text":"Perfect.","start":1290.295,"end":1290.775,"sentiment":"positive","sentiment_score":0.6821378469467163},{"text":"Now did you have any other questions for me today otherwise?","start":1290.775,"end":1294.0751,"sentiment":"neutral","sentiment_score":0.1943159963596951},{"text":"No?","start":1297.8999,"end":1298.38,"sentiment":"neutral","sentiment_score":0.13199326395988464},{"text":"Yeah.","start":1298.38,"end":1298.88,"sentiment":"neutral","sentiment_score":0.060788288712501526}],"sentiment":"neutral","sentiment_score":0.22618782768646875,"num_words":15,"start":1289.175,"end":1298.88},{"sentences":[{"text":"Mhmm.","start":1300.38,"end":1300.88,"sentiment":"neutral","sentiment_score":0.032982468605041504},{"text":"Mhmm.","start":1306.94,"end":1307.44,"sentiment":"neutral","sentiment_score":0.045999109745025635},{"text":"Yeah.","start":1308.46,"end":1308.96,"sentiment":"neutral","sentiment_score":0.05450538173317909},{"text":"Just a bit more in-depth.","start":1309.7749,"end":1310.735,"sentiment":"neutral","sentiment_score":0.021028559282422067},{"text":"Mhmm.","start":1310.735,"end":1311.235,"sentiment":"neutral","sentiment_score":0.012969187460839748}],"sentiment":"neutral","sentiment_score":0.027955438217355147,"num_words":9,"start":1300.38,"end":1311.235},{"sentences":[{"text":"Mhmm.","start":1323.375,"end":1323.695,"sentiment":"neutral","sentiment_score":0.00022439844906330109},{"text":"Mhmm.","start":1323.695,"end":1324.195,"sentiment":"neutral","sentiment_score":0.02468187175691128},{"text":"Yep.","start":1327.4199,"end":1327.9199,"sentiment":"neutral","sentiment_score":0.025612130761146545},{"text":"Yep.","start":1329.4199,"end":1329.9199,"sentiment":"neutral","sentiment_score":-0.0029343869537115097},{"text":"Yeah.","start":1332.14,"end":1332.64,"sentiment":"positive","sentiment_score":0.4726067185401917}],"sentiment":"neutral","sentiment_score":0.10403814651072026,"num_words":5,"start":1323.375,"end":1332.64},{"sentences":[{"text":"Just maximize.","start":1334.0599,"end":1334.7999,"sentiment":"positive","sentiment_score":0.5877110958099365},{"text":"Yeah.","start":1335.02,"end":1335.34,"sentiment":"positive","sentiment_score":0.4569671154022217},{"text":"We can do that, and we can even do a bit of an updated SOA even where we do a bit more updated projections and stuff just to kind of see, well, how are things tracking by doing the contributions you were doing, you know, where where is everything at.","start":1335.34,"end":1349.135,"sentiment":"neutral","sentiment_score":0.3093341201543808},{"text":"We can definitely do that.","start":1349.995,"end":1351.695,"sentiment":"positive","sentiment_score":0.4504348158836365},{"text":"Yep.","start":1354.4601,"end":1354.9601,"sentiment":"neutral","sentiment_score":0.1035398468375206}],"sentiment":"neutral","sentiment_score":0.329742529508421,"num_words":59,"start":1334.0599,"end":1354.9601},{"sentences":[{"text":"Yeah.","start":1355.3401,"end":1355.8401,"sentiment":"neutral","sentiment_score":0.13627567887306213},{"text":"Accountants always yep.","start":1366.06,"end":1369.335,"sentiment":"neutral","sentiment_score":0.0640278309583664},{"text":"But you're not doing too bad, honestly.","start":1371.315,"end":1373.255,"sentiment":"neutral","sentiment_score":0.059497607605797906},{"text":"Obviously, it's the it's dependent on your income and and everything like that.","start":1373.5549,"end":1378.535,"sentiment":"neutral","sentiment_score":0.05502953294378061},{"text":"But for your age and what you're seeing in the industry average, it's not that bad.","start":1379.235,"end":1384.71,"sentiment":"neutral","sentiment_score":0.18247085949406028}],"sentiment":"neutral","sentiment_score":0.10949400262907147,"num_words":40,"start":1355.3401,"end":1384.71},{"sentences":[{"text":"So and you can even just, like, if just for your reference, if you do wanna, you know, keep a bit of an eye on it as well on more MoneySmart, it's called.","start":1386.85,"end":1398.515,"sentiment":"neutral","sentiment_score":0.26714245026761835},{"text":"They do kind of, let's see here, industry averages in Australia, different super balances and different age brackets.","start":1399.375,"end":1408.1951,"sentiment":"neutral","sentiment_score":0.144483988897668},{"text":"It doesn't mean that that's necessarily what you need to retire on, but it shows you kind of at least the the the average in Australia where people are at.","start":1410.1,"end":1419.24,"sentiment":"neutral","sentiment_score":0.15471127877632776},{"text":"So sometimes it's a good idea to kind of be like, okay.","start":1419.3,"end":1422.42,"sentiment":"neutral","sentiment_score":0.2710554947455724},{"text":"Well, you know, where am I at in relative to people in my age in Australia, at least?","start":1422.42,"end":1429.255,"sentiment":"neutral","sentiment_score":0.08746255023611917}],"sentiment":"neutral","sentiment_score":0.1881508366078944,"num_words":111,"start":1386.85,"end":1429.255},{"sentences":[{"text":"Okay.","start":1433.555,"end":1434.055,"sentiment":"neutral","sentiment_score":0.01884627342224121},{"text":"Exactly.","start":1437.1499,"end":1437.6499,"sentiment":"neutral","sentiment_score":0.1901056170463562},{"text":"Correct.","start":1443.3899,"end":1443.8899,"sentiment":"neutral","sentiment_score":-0.030075620859861377},{"text":"Yes.","start":1444.99,"end":1445.49,"sentiment":"neutral","sentiment_score":0.000973050482571125},{"text":"Yes.","start":1447.87,"end":1448.2699,"sentiment":"neutral","sentiment_score":-0.025432785972952843}],"sentiment":"neutral","sentiment_score":0.030883306823670863,"num_words":5,"start":1433.555,"end":1448.2699},{"sentences":[{"text":"Very much so.","start":1448.2699,"end":1449.25,"sentiment":"neutral","sentiment_score":-0.04816390573978424},{"text":"Yes.","start":1450.875,"end":1451.375,"sentiment":"neutral","sentiment_score":0.05946027487516403},{"text":"Yes.","start":1451.595,"end":1452.0751,"sentiment":"neutral","sentiment_score":0.09621649235486984},{"text":"And if you are a sole trader, you don't have to.","start":1452.0751,"end":1455.855,"sentiment":"neutral","sentiment_score":0.08758856864138083},{"text":"Only if you, you know, are a business where you pay yourself a wage.","start":1456.155,"end":1459.775,"sentiment":"neutral","sentiment_score":0.039993222137647014}],"sentiment":"neutral","sentiment_score":0.05115214716643095,"num_words":30,"start":1448.2699,"end":1459.775},{"sentences":[{"text":"So yes.","start":1460.555,"end":1461.375,"sentiment":"neutral","sentiment_score":0.08615069836378098},{"text":"Yeah.","start":1462.89,"end":1462.9701,"sentiment":"neutral","sentiment_score":0.1498693972826004},{"text":"I'll make a little note, and we can kind of do a bit more in-depth during the under review, which is, yeah, coming up about October.","start":1462.9701,"end":1470.91,"sentiment":"neutral","sentiment_score":0.15137591098363584},{"text":"But if it is any point that you do wanna bring it forward, again, just give us a call or send us an email, and we can always do that.","start":1470.9701,"end":1477.55,"sentiment":"neutral","sentiment_score":0.20306292648116747},{"text":"Yeah.","start":1480.8251,"end":1481.3251,"sentiment":"positive","sentiment_score":0.4912486374378204}],"sentiment":"neutral","sentiment_score":0.18068468185762565,"num_words":60,"start":1460.555,"end":1481.3251},{"sentences":[{"text":"Yes.","start":1486.505,"end":1486.905,"sentiment":"neutral","sentiment_score":0.08890649676322937},{"text":"It would have been around October when it was your annual review.","start":1486.905,"end":1491.485,"sentiment":"neutral","sentiment_score":0.07011066532383363},{"text":"Mhmm.","start":1495.86,"end":1496.36,"sentiment":"neutral","sentiment_score":0.05291655659675598},{"text":"It's all going.","start":1498.0199,"end":1499.0,"sentiment":"neutral","sentiment_score":0.09779081741968791},{"text":"Yeah.","start":1499.5399,"end":1500.0399,"sentiment":"neutral","sentiment_score":0.10840694606304167}],"sentiment":"neutral","sentiment_score":0.07694057975378302,"num_words":18,"start":1486.505,"end":1500.0399},{"sentences":[{"text":"Yeah.","start":1501.5399,"end":1502.0399,"sentiment":"neutral","sentiment_score":0.010236205533146858},{"text":"Yeah.","start":1502.82,"end":1503.32,"sentiment":"neutral","sentiment_score":0.049007441848516464},{"text":"We can definitely do that.","start":1503.46,"end":1505.1599,"sentiment":"neutral","sentiment_score":0.07085950449109077},{"text":"Yeah.","start":1515.365,"end":1515.865,"sentiment":"neutral","sentiment_score":0.010085510089993475},{"text":"Yeah.","start":1518.8049,"end":1519.3049,"sentiment":"neutral","sentiment_score":0.02830561064183712}],"sentiment":"neutral","sentiment_score":0.05021469895210531,"num_words":9,"start":1501.5399,"end":1519.3049},{"sentences":[{"text":"Now do you want me to set a reminder for the team to reach out a bit earlier, or what are you thinking?","start":1519.6849,"end":1526.32,"sentiment":"neutral","sentiment_score":0.06882551992716997},{"text":"Yeah?","start":1526.94,"end":1527.44,"sentiment":"neutral","sentiment_score":0.07316412031650543},{"text":"Okay.","start":1528.22,"end":1528.72,"sentiment":"neutral","sentiment_score":0.14969231188297272},{"text":"Do you think around around June before you do the contributions or a bit later?","start":1528.94,"end":1534.5599,"sentiment":"neutral","sentiment_score":0.07367981523275376},{"text":"Yes?","start":1539.225,"end":1539.705,"sentiment":"neutral","sentiment_score":0.17109999060630798}],"sentiment":"neutral","sentiment_score":0.07517416121029272,"num_words":41,"start":1519.6849,"end":1539.705},{"sentences":[{"text":"Okay.","start":1539.705,"end":1540.205,"sentiment":"neutral","sentiment_score":0.1739029884338379},{"text":"Yes.","start":1542.9049,"end":1543.4049,"sentiment":"positive","sentiment_score":0.37490618228912354},{"text":"Alright.","start":1543.5449,"end":1543.945,"sentiment":"neutral","sentiment_score":0.31210917234420776},{"text":"Well, I'll make a little note to the team to reach out to you June, see how you're going.","start":1543.945,"end":1549.705,"sentiment":"neutral","sentiment_score":0.3080624836055856},{"text":"And if you do wanna book in for the annual review, then we can kind of go through everything there.","start":1549.705,"end":1554.7001,"sentiment":"neutral","sentiment_score":0.2753684036433697}],"sentiment":"neutral","sentiment_score":0.29098746677239734,"num_words":42,"start":1539.705,"end":1554.7001},{"sentences":[{"text":"And then we can run the numbers as well just to see how much space you have, if you wanted to make a difference of contributions around that time anyway.","start":1555.24,"end":1563.26,"sentiment":"neutral","sentiment_score":0.19231390754381816},{"text":"Yeah.","start":1565.0,"end":1565.445,"sentiment":"positive","sentiment_score":0.5951080322265625},{"text":"Perfect.","start":1565.9249,"end":1566.4249,"sentiment":"positive","sentiment_score":0.6692899465560913},{"text":"Well, if you don't have any other questions, Derek, I will let you go and enjoy your afternoon.","start":1566.965,"end":1571.865,"sentiment":"positive","sentiment_score":0.46586212598615223},{"text":"Keep a lookout for that email with the contribution details.","start":1573.125,"end":1576.2649,"sentiment":"neutral","sentiment_score":0.27591499835252764}],"sentiment":"neutral","sentiment_score":0.3029747242728869,"num_words":60,"start":1555.24,"end":1576.2649},{"sentences":[{"text":"Otherwise, I will get the team to reach out that June.","start":1576.325,"end":1580.1849,"sentiment":"neutral","sentiment_score":0.22609174928881906},{"text":"No problem at all.","start":1583.18,"end":1583.9,"sentiment":"positive","sentiment_score":0.7176200151443481},{"text":"I look forward to speaking with you soon again.","start":1583.9,"end":1585.76,"sentiment":"positive","sentiment_score":0.7899134755134583},{"text":"Thank you.","start":1588.54,"end":1589.3401,"sentiment":"positive","sentiment_score":0.6752144396305084},{"text":"Bye.","start":1589.3401,"end":1589.8401,"sentiment":"positive","sentiment_score":0.41144007444381714}],"sentiment":"positive","sentiment_score":0.5269844272622356,"num_words":27,"start":1576.325,"end":1589.8401}]}}]},{"alternatives":[{"transcript":"Hello. Derek speaking. I'm good. Thanks for working. Yourself? Yeah. Yep. Yep. Yep. Full name, Derek Andrew Such. Date of birth, 10/06/1973. Address, 13 Claremont Street, Albion, Victoria. It's always busy. Yeah. I I don't there's there's no such thing as quite okay. It's just no such thing, unfortunately. No. No. No. I finished at five, which was an hour hour ago. So six. Yep. I've been finished for one hour because you guys are, what, one hour ahead or behind. So okay. Yep. Yeah. Just a couple of one off payments or something, weren't they? I think or just a couple of extra payments. Yeah. And he told me to request either from the super company or whoever it is just before the financial year. I can't remember the exact terminology, but you request something like to get it back or something like that. Notice of intents. Yeah. Okay. That's it. Yep. Around that. Yeah. I think so. Yep. No. No. We're going through that at the moment where to try and get a pay rise, but, no. I don't think I've got ex access to anything else. Well, we we've just been given the CEO gave everyone, I think, 2.5% pay rise. But that would have been I don't know when that started. That would have been probably after the last financial year. That was that was just until they're still doing the enterprise bargaining. It's going yeah. It's quite complicated. The unions are involved, and they're not happy with it. And then it's going back to the the CEO and then they're discussing what so I I don't know eventually what we're gonna get extra. Hopefully, it's more than 2.5% and then we'll get hopefully back paid as well. They said we'll get back paid and But yeah. No. Yeah. We're looking it's happened before, but I don't know how much we're gonna get. It's it will all depends with the negotiations and how much they accept, I suppose. No. So we do so my normal salary I've got my normal salary. And then every year, because I've been there, I think it's the seventh year, you get a bonus thousand dollars. But that that would have already been when I get my tax return, it's already included in there. And then we can also do overtime depending on, you know, if we wanna do we have events and things where we work on the weekends. So, yeah, that that all depends. But, yeah, I can I can earn extra money if I want? I'm pretty sure I would. Okay. Alright. Okay. Mhmm. No. Would it it wouldn't be anything near I mean, I I'm probably struggling even to have a couple of grand, but it'll probably just be yeah. I I I don't know. Maybe maximum $5, but I don't know. It wouldn't it wouldn't be a lot, I think. Right. Okay. So I'll just let you know, say I put in one payment of 3,000 into my super. I'll just let you know that I've put in $3,000. Because yeah. Okay. What happens with because I pay extra voluntary anyway, not much, probably an extra couple of percent. You can't claim that back, can you? Yeah. So I pay every I don't know. I think it's only an extra couple of percent that I've always paid into my super fund on top of my normal 12%. So it's it it probably adds up to a couple of grand a year. That, you can't claim back as well or not? Okay. Yeah. That probably sounds about right. Yep. Okay. Gotcha. Yeah. On after tax. Okay. Right. Yep. Okay. Gotcha. Yep. Makes sense. Yep. Yeah. But can't you use your super to invest in property? You can use it as an investment. No. But I just know one of my proprietors. She owns a nail salon. She's a financial adviser, and she was telling me you know, we just had a conversation. She goes, oh, many people don't many people don't realize that she she set up so many people that have been and even herself, she's got all these properties that are all managed through through Super because it's one of the reasons you can use your Super Balance to invest in in real estate or something. She said she's got some properties. I never heard of it, but okay. Okay. Yep. Okay. God, there's so so many things to to know, isn't there? Gosh. Okay. Yeah. Maybe that's not what I want. I don't think I think you've just put you've probably just put me off it. Mhmm. Okay. Maybe I'll just stick to having my normal super. Might be easier if someone else can do it for me. No. What was it? Sorry? Oh, maybe I did see that. I was just gonna take a moment. Yeah. I think I was it definitely sent on the the sixteenth? Thirteenth. Oh, yeah. Oakview Caden. Caden sent good morning. Part of our portfolio management investment committee. Yeah. And there was an attachment. I think I did look at it, but I I didn't think I had to do anything. Confirm happening. I see here it changed. Yep. Okay. No problem. I'll have a quick look through it. Yeah. So probably I don't know probably what I'm thinking just before the tax, and I won't leave it. I'll probably do it at least a month before, say, maybe at the beginning of June because I don't wanna cut myself too short. I'll probably just put one payment in, I don't know, probably a couple of grand. I'll see how much money I've got. And that will probably be all I'll do. Just probably put in one or maybe two payments of a couple of grand, $3. I don't know. Depending on how much money I've got. And and then I'll let you guys know. But that's probably all I'll do, I'd say, because I think I've got all my other stuff doing that thing. So yeah. Yeah. Yeah. We'll be under five. Yep. Yeah. No. They could send me an email just so I know how to do it. Yep. Perfect. Yep. And as long as I do it before I'll probably do it before the before June or around about June beginning of June. Okay. No problem. No. I think that's pretty much it. Thanks very much. So the next review, I'll probably wanna look at if it's possible, is my super fund what you know, how's it going? I know you guys do all of that anyway. Yeah. Because I looked at some of the fees and I don't know how old they were. I saw one of them was, like, $5,000 and it's like, oh my god. It's looks like there's more money. I know we reduced down all my, you know, last time we spoke, we reduced all all the other contributions of things from a mid or $7.50 down. But, yeah, I wanna especially at my age, I wanna try and increase as much as I can. Yeah. Yeah. And it if it's yeah. If it's working or should I put in some more? Because my accountant yeah. He told me I he said I should be putting in more because he looked at my super and he said, Yeah. Anyway, he he didn't think it was that great. But anyway, that's him. He's probably got, like, a few million sitting in his, you know. Okay. Okay. Yeah. Oh, that's alright. I don't really I don't need to compare with other people. Because everyone sort of you know, everyone's different. My friend, he works for himself. I don't know. Because if you work for yourself, isn't it up to you to put your own super in? And some I'm sure some businesses probably don't put any in for themselves unless they have to. Yeah. We can always bring it forward. I'm happy to you know, whenever you think is a good time. Was the last one in October, was it? Okay. Okay. Yeah. I just wanna make sure that, you know, that's through for the net wealth. Is it are they good? Is it all going well? Is there a better one out there? I occasionally yeah. I occasionally look in there and see, but I really I think, like, most people probably don't have a look and access it. It's just one of those things that's out of you know, you're just hoping that you look at it and there's a few million dollars in there. You know? Yeah. The earlier, the better. Yep. I think that that'll be good. Yeah. Around about June. I reckon it'll be a good time. Yeah. Even the start of June ish would be good. Perfect. Sounds good. Excellent. Thank you very much. Yeah. Me too. Thanks very much. See you, everyone. Okay. 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Derek speaking. I'm good. Thanks for working. Yourself?\n\nYeah. Yep. Yep. Yep. Full name, Derek Andrew Such.\n\nDate of birth, 10/06/1973. Address, 13 Claremont Street, Albion, Victoria. It's always busy. Yeah. I I don't there's there's no such thing as quite okay.\n\nIt's just no such thing, unfortunately. No. No. No. I finished at five, which was an hour hour ago.\n\nSo six. Yep. I've been finished for one hour because you guys are, what, one hour ahead or behind. So okay. Yep.\n\nYeah. Just a couple of one off payments or something, weren't they? I think or just a couple of extra payments. Yeah. And he told me to request either from the super company or whoever it is just before the financial year.\n\nI can't remember the exact terminology, but you request something like to get it back or something like that. Notice of intents. Yeah. Okay. That's it.\n\nYep. Around that. Yeah. I think so. Yep.\n\nNo. No. We're going through that at the moment where to try and get a pay rise, but, no. I don't think I've got ex access to anything else. Well, we we've just been given the CEO gave everyone, I think, 2.5% pay rise.\n\nBut that would have been I don't know when that started. That would have been probably after the last financial year. That was that was just until they're still doing the enterprise bargaining. It's going yeah. It's quite complicated.\n\nThe unions are involved, and they're not happy with it. And then it's going back to the the CEO and then they're discussing what so I I don't know eventually what we're gonna get extra. Hopefully, it's more than 2.5% and then we'll get hopefully back paid as well. They said we'll get back paid and But yeah. No.\n\nYeah. We're looking it's happened before, but I don't know how much we're gonna get. It's it will all depends with the negotiations and how much they accept, I suppose. No. So we do so my normal salary I've got my normal salary.\n\nAnd then every year, because I've been there, I think it's the seventh year, you get a bonus thousand dollars. But that that would have already been when I get my tax return, it's already included in there. And then we can also do overtime depending on, you know, if we wanna do we have events and things where we work on the weekends. So, yeah, that that all depends. But, yeah, I can I can earn extra money if I want?\n\nI'm pretty sure I would. Okay. Alright. Okay. Mhmm.\n\nNo. Would it it wouldn't be anything near I mean, I I'm probably struggling even to have a couple of grand, but it'll probably just be yeah. I I I don't know. Maybe maximum $5, but I don't know. It wouldn't it wouldn't be a lot, I think.\n\nRight. Okay. So I'll just let you know, say I put in one payment of 3,000 into my super. I'll just let you know that I've put in $3,000. Because yeah.\n\nOkay. What happens with because I pay extra voluntary anyway, not much, probably an extra couple of percent. You can't claim that back, can you? Yeah. So I pay every I don't know.\n\nI think it's only an extra couple of percent that I've always paid into my super fund on top of my normal 12%. So it's it it probably adds up to a couple of grand a year. That, you can't claim back as well or not? Okay. Yeah.\n\nThat probably sounds about right. Yep. Okay. Gotcha. Yeah.\n\nOn after tax. Okay. Right. Yep. Okay.\n\nGotcha. Yep. Makes sense. Yep. Yeah.\n\nBut can't you use your super to invest in property? You can use it as an investment. No. But I just know one of my proprietors. She owns a nail salon.\n\nShe's a financial adviser, and she was telling me you know, we just had a conversation. She goes, oh, many people don't many people don't realize that she she set up so many people that have been and even herself, she's got all these properties that are all managed through through Super because it's one of the reasons you can use your Super Balance to invest in in real estate or something. She said she's got some properties. I never heard of it, but okay. Okay.\n\nYep. Okay. God, there's so so many things to to know, isn't there? Gosh. Okay.\n\nYeah. Maybe that's not what I want. I don't think I think you've just put you've probably just put me off it. Mhmm. Okay.\n\nMaybe I'll just stick to having my normal super. Might be easier if someone else can do it for me. No. What was it? Sorry?\n\nOh, maybe I did see that. I was just gonna take a moment. Yeah. I think I was it definitely sent on the the sixteenth? Thirteenth.\n\nOh, yeah. Oakview Caden. Caden sent good morning. Part of our portfolio management investment committee. Yeah.\n\nAnd there was an attachment. I think I did look at it, but I I didn't think I had to do anything. Confirm happening. I see here it changed. Yep.\n\nOkay. No problem. I'll have a quick look through it. Yeah. So probably I don't know probably what I'm thinking just before the tax, and I won't leave it.\n\nI'll probably do it at least a month before, say, maybe at the beginning of June because I don't wanna cut myself too short. I'll probably just put one payment in, I don't know, probably a couple of grand. I'll see how much money I've got. And that will probably be all I'll do. Just probably put in one or maybe two payments of a couple of grand, $3.\n\nI don't know. Depending on how much money I've got. And and then I'll let you guys know. But that's probably all I'll do, I'd say, because I think I've got all my other stuff doing that thing. So yeah.\n\nYeah. Yeah. We'll be under five. Yep. Yeah.\n\nNo. They could send me an email just so I know how to do it. Yep. Perfect. Yep.\n\nAnd as long as I do it before I'll probably do it before the before June or around about June beginning of June. Okay. No problem. No. I think that's pretty much it.\n\nThanks very much. So the next review, I'll probably wanna look at if it's possible, is my super fund what you know, how's it going? I know you guys do all of that anyway. Yeah. Because I looked at some of the fees and I don't know how old they were.\n\nI saw one of them was, like, $5,000 and it's like, oh my god. It's looks like there's more money. I know we reduced down all my, you know, last time we spoke, we reduced all all the other contributions of things from a mid or $7.50 down. But, yeah, I wanna especially at my age, I wanna try and increase as much as I can. Yeah.\n\nYeah. And it if it's yeah. If it's working or should I put in some more? Because my accountant yeah. He told me I he said I should be putting in more because he looked at my super and he said, Yeah.\n\nAnyway, he he didn't think it was that great. But anyway, that's him. He's probably got, like, a few million sitting in his, you know. Okay. Okay.\n\nYeah. Oh, that's alright. I don't really I don't need to compare with other people. Because everyone sort of you know, everyone's different. My friend, he works for himself.\n\nI don't know. Because if you work for yourself, isn't it up to you to put your own super in? And some I'm sure some businesses probably don't put any in for themselves unless they have to. Yeah. We can always bring it forward.\n\nI'm happy to you know, whenever you think is a good time. Was the last one in October, was it? Okay. Okay. Yeah.\n\nI just wanna make sure that, you know, that's through for the net wealth. Is it are they good? Is it all going well? Is there a better one out there? I occasionally yeah.\n\nI occasionally look in there and see, but I really I think, like, most people probably don't have a look and access it. It's just one of those things that's out of you know, you're just hoping that you look at it and there's a few million dollars in there. You know? Yeah. The earlier, the better.\n\nYep. I think that that'll be good. Yeah. Around about June. I reckon it'll be a good time.\n\nYeah. Even the start of June ish would be good. Perfect. Sounds good. Excellent.\n\nThank you very much. Yeah. Me too. Thanks very much. See you, everyone.\n\nOkay. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":2.8,"end":3.1999998,"sentiment":"neutral","sentiment_score":0.06662914901971817},{"text":"Derek speaking.","start":3.1999998,"end":3.9399998,"sentiment":"neutral","sentiment_score":0.06699742004275322},{"text":"I'm good.","start":9.12,"end":9.679999,"sentiment":"positive","sentiment_score":0.6413858830928802},{"text":"Thanks for 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yeah.","start":255.545,"end":258.02,"sentiment":"neutral","sentiment_score":0.22095684789948994},{"text":"No.","start":258.02,"end":258.52,"sentiment":"neutral","sentiment_score":-0.04843445122241974}],"sentiment":"neutral","sentiment_score":-0.1445222944021225,"num_words":59,"start":239.25,"end":258.52},{"sentences":[{"text":"Yeah.","start":258.62,"end":259.12,"sentiment":"neutral","sentiment_score":0.1486133337020874},{"text":"We're looking it's happened before, but I don't know how much we're gonna get.","start":259.22,"end":263.22,"sentiment":"neutral","sentiment_score":0.011856976364340101},{"text":"It's it will all depends with the negotiations and how much they accept, I suppose.","start":263.22,"end":268.75998,"sentiment":"neutral","sentiment_score":0.053546293079853056},{"text":"No.","start":277.685,"end":278.08502,"sentiment":"neutral","sentiment_score":-0.07136501371860504},{"text":"So we do so my normal salary I've got my normal 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depends.","start":307.44498,"end":309.145,"sentiment":"neutral","sentiment_score":0.025520698477824528},{"text":"But, yeah, I can I can earn extra money if I want?","start":309.8,"end":314.46,"sentiment":"neutral","sentiment_score":0.29669368515412015}],"sentiment":"neutral","sentiment_score":0.16334518245080623,"num_words":82,"start":283.95,"end":314.46},{"sentences":[{"text":"I'm pretty sure I would.","start":326.385,"end":327.925,"sentiment":"neutral","sentiment_score":0.24418669939041138},{"text":"Okay.","start":336.305,"end":336.805,"sentiment":"neutral","sentiment_score":0.10884642601013184},{"text":"Alright.","start":353.99503,"end":354.49503,"sentiment":"neutral","sentiment_score":0.23989149928092957},{"text":"Okay.","start":389.015,"end":389.515,"sentiment":"neutral","sentiment_score":0.055694080889225006},{"text":"Mhmm.","start":434.03998,"end":434.53998,"sentiment":"neutral","sentiment_score":0.03032241016626358}],"sentiment":"neutral","sentiment_score":0.1839653236998452,"num_words":9,"start":326.385,"end":434.53998},{"sentences":[{"text":"No.","start":443.575,"end":444.075,"sentiment":"negative","sentiment_score":-0.4691953361034394},{"text":"Would it it wouldn't be anything near I mean, I I'm probably struggling even to have a couple of grand, but it'll probably just be yeah.","start":445.17502,"end":454.19,"sentiment":"neutral","sentiment_score":-0.23771466658665583},{"text":"I I I don't know.","start":454.19,"end":455.39,"sentiment":"neutral","sentiment_score":-0.15335230380296708},{"text":"Maybe maximum $5, but I don't know.","start":455.39,"end":459.71,"sentiment":"neutral","sentiment_score":-0.0755118163568633},{"text":"It wouldn't it wouldn't be a lot, I think.","start":459.71,"end":462.69,"sentiment":"neutral","sentiment_score":-0.09244659998350674}],"sentiment":"neutral","sentiment_score":-0.1828570895983527,"num_words":48,"start":443.575,"end":462.69},{"sentences":[{"text":"Right.","start":482.245,"end":482.745,"sentiment":"neutral","sentiment_score":0.16535139083862305},{"text":"Okay.","start":498.095,"end":498.335,"sentiment":"neutral","sentiment_score":0.18481957912445068},{"text":"So I'll just let you know, say I put in one payment of 3,000 into my super.","start":498.335,"end":504.095,"sentiment":"neutral","sentiment_score":0.15344531395856073},{"text":"I'll just let you know that I've put in $3,000.","start":504.095,"end":506.675,"sentiment":"neutral","sentiment_score":0.19014378637075424},{"text":"Because yeah.","start":507.935,"end":509.235,"sentiment":"neutral","sentiment_score":0.08273382484912872}],"sentiment":"neutral","sentiment_score":0.16211763937627116,"num_words":31,"start":482.245,"end":509.235},{"sentences":[{"text":"Okay.","start":520.04,"end":520.44,"sentiment":"neutral","sentiment_score":0.12483587116003036},{"text":"What happens with because I pay extra voluntary anyway, not much, probably an extra couple of percent.","start":520.44,"end":528.295,"sentiment":"neutral","sentiment_score":-0.0076948038357145645},{"text":"You can't claim that back, can you?","start":528.755,"end":530.615,"sentiment":"neutral","sentiment_score":-0.0503770573330777},{"text":"Yeah.","start":539.46,"end":539.7,"sentiment":"neutral","sentiment_score":0.1120983511209488},{"text":"So I pay every I don't know.","start":539.7,"end":542.12,"sentiment":"neutral","sentiment_score":0.015291955322027206}],"sentiment":"neutral","sentiment_score":-0.004226459303137028,"num_words":33,"start":520.04,"end":542.12},{"sentences":[{"text":"I think it's only an extra couple of percent that I've always paid into my super fund on top of my normal 12%.","start":542.42,"end":549.8,"sentiment":"neutral","sentiment_score":0.07870969799873621},{"text":"So it's it it probably adds up to a couple of grand a year.","start":550.18,"end":553.205,"sentiment":"neutral","sentiment_score":0.24353010207414627},{"text":"That, you can't claim back as well or not?","start":553.205,"end":555.545,"sentiment":"neutral","sentiment_score":-0.13984284549951553},{"text":"Okay.","start":571.5,"end":572.0,"sentiment":"neutral","sentiment_score":0.0548495315015316},{"text":"Yeah.","start":573.9,"end":574.22003,"sentiment":"neutral","sentiment_score":0.06419768184423447}],"sentiment":"neutral","sentiment_score":0.0850042934762314,"num_words":48,"start":542.42,"end":574.22003},{"sentences":[{"text":"That probably sounds about right.","start":574.22003,"end":575.5,"sentiment":"neutral","sentiment_score":0.06211346909403801},{"text":"Yep.","start":575.5,"end":576.0,"sentiment":"neutral","sentiment_score":0.15659099817276},{"text":"Okay.","start":585.195,"end":585.695,"sentiment":"neutral","sentiment_score":0.03548012673854828},{"text":"Gotcha.","start":590.715,"end":591.215,"sentiment":"neutral","sentiment_score":0.025669937953352928},{"text":"Yeah.","start":591.79,"end":592.11,"sentiment":"neutral","sentiment_score":0.02195526473224163}],"sentiment":"neutral","sentiment_score":0.06114040811856588,"num_words":9,"start":574.22003,"end":592.11},{"sentences":[{"text":"On after tax.","start":592.11,"end":593.55,"sentiment":"neutral","sentiment_score":0.00006788969039916992},{"text":"Okay.","start":593.55,"end":594.05,"sentiment":"neutral","sentiment_score":0.07310844212770462},{"text":"Right.","start":605.15,"end":605.65,"sentiment":"neutral","sentiment_score":0.04449240863323212},{"text":"Yep.","start":635.535,"end":636.015,"sentiment":"neutral","sentiment_score":0.16640985012054443},{"text":"Okay.","start":636.015,"end":636.415,"sentiment":"neutral","sentiment_score":0.18692754209041595}],"sentiment":"neutral","sentiment_score":0.06730598743472781,"num_words":7,"start":592.11,"end":636.415},{"sentences":[{"text":"Gotcha.","start":636.415,"end":636.915,"sentiment":"neutral","sentiment_score":0.16348840296268463},{"text":"Yep.","start":639.135,"end":639.455,"sentiment":"neutral","sentiment_score":0.22471538186073303},{"text":"Makes sense.","start":639.455,"end":640.27496,"sentiment":"neutral","sentiment_score":0.15695071406662464},{"text":"Yep.","start":694.12,"end":694.605,"sentiment":"neutral","sentiment_score":0.07629965990781784},{"text":"Yeah.","start":696.685,"end":697.08496,"sentiment":"neutral","sentiment_score":0.12455454468727112}],"sentiment":"neutral","sentiment_score":0.15049323625862598,"num_words":6,"start":636.415,"end":697.08496},{"sentences":[{"text":"But can't you use your super to invest in property?","start":697.08496,"end":703.345,"sentiment":"neutral","sentiment_score":0.15520679876208304},{"text":"You can use it as an investment.","start":703.485,"end":705.02496,"sentiment":"neutral","sentiment_score":0.1885802788393838},{"text":"No.","start":726.65497,"end":726.975,"sentiment":"neutral","sentiment_score":-0.08483939617872238},{"text":"But I just know one of my proprietors.","start":726.975,"end":728.915,"sentiment":"neutral","sentiment_score":-0.025739901466295123},{"text":"She owns a nail salon.","start":729.69495,"end":731.07495,"sentiment":"neutral","sentiment_score":0.028485748171806335}],"sentiment":"neutral","sentiment_score":0.08786451846601502,"num_words":31,"start":697.08496,"end":731.07495},{"sentences":[{"text":"She's a financial adviser, and she was telling me you know, we just had a conversation.","start":731.615,"end":738.11005,"sentiment":"neutral","sentiment_score":0.0053383513586595654},{"text":"She goes, oh, many people don't many people don't realize that she she set up so many people that have been and even herself, she's got all these properties that are all managed through through Super because it's one of the reasons you can use your Super Balance to invest in in real estate or something.","start":738.11005,"end":757.735,"sentiment":"neutral","sentiment_score":0.03585855167226067},{"text":"She said she's got some properties.","start":757.735,"end":759.195,"sentiment":"neutral","sentiment_score":-0.003728840577726563},{"text":"I never heard of it, but okay.","start":759.735,"end":761.765,"sentiment":"neutral","sentiment_score":-0.01503266766667366},{"text":"Okay.","start":783.385,"end":783.885,"sentiment":"neutral","sentiment_score":0.24474073946475983}],"sentiment":"neutral","sentiment_score":0.025705017880428324,"num_words":86,"start":731.615,"end":783.885},{"sentences":[{"text":"Yep.","start":806.26,"end":806.66003,"sentiment":"neutral","sentiment_score":0.25329214334487915},{"text":"Okay.","start":806.66003,"end":807.16003,"sentiment":"neutral","sentiment_score":0.28609395027160645},{"text":"God, there's so so many things to to know, isn't there?","start":866.79,"end":870.49,"sentiment":"neutral","sentiment_score":-0.0248618982732296},{"text":"Gosh.","start":872.28503,"end":872.78503,"sentiment":"neutral","sentiment_score":0.02757921628654003},{"text":"Okay.","start":968.515,"end":969.015,"sentiment":"neutral","sentiment_score":-0.02742713689804077}],"sentiment":"neutral","sentiment_score":0.017737152799963952,"num_words":15,"start":806.26,"end":969.015},{"sentences":[{"text":"Yeah.","start":972.755,"end":973.23505,"sentiment":"neutral","sentiment_score":-0.0849134624004364},{"text":"Maybe that's not what I want.","start":973.23505,"end":974.76,"sentiment":"neutral","sentiment_score":-0.2858707457780838},{"text":"I don't think I think you've just put you've probably just put me off it.","start":974.76,"end":978.3,"sentiment":"negative","sentiment_score":-0.375453507900238},{"text":"Mhmm.","start":1031.825,"end":1032.325,"sentiment":"neutral","sentiment_score":0.031245440244674683},{"text":"Okay.","start":1033.84,"end":1034.08,"sentiment":"neutral","sentiment_score":0.05978840962052345}],"sentiment":"neutral","sentiment_score":-0.30587111273780465,"num_words":24,"start":972.755,"end":1034.08},{"sentences":[{"text":"Maybe I'll just stick to having my normal super.","start":1034.08,"end":1036.58,"sentiment":"neutral","sentiment_score":0.15828829424248803},{"text":"Might be easier if someone else can do it for me.","start":1037.2,"end":1039.46,"sentiment":"neutral","sentiment_score":0.20575968785719437},{"text":"No.","start":1071.3099,"end":1071.63,"sentiment":"neutral","sentiment_score":-0.02143825963139534},{"text":"What was it?","start":1071.63,"end":1072.19,"sentiment":"neutral","sentiment_score":-0.03531452578802904},{"text":"Sorry?","start":1072.19,"end":1072.69,"sentiment":"neutral","sentiment_score":-0.03611621633172035}],"sentiment":"neutral","sentiment_score":0.1409781264513731,"num_words":25,"start":1034.08,"end":1072.69},{"sentences":[{"text":"Oh, maybe I did see that.","start":1088.315,"end":1089.915,"sentiment":"neutral","sentiment_score":0.03969546283284823},{"text":"I was just gonna take a moment.","start":1089.915,"end":1095.78,"sentiment":"neutral","sentiment_score":0.04119183335985456},{"text":"Yeah.","start":1124.89,"end":1125.29,"sentiment":"neutral","sentiment_score":0.11809688061475754},{"text":"I think I was it definitely sent on the the sixteenth?","start":1125.29,"end":1128.5901,"sentiment":"neutral","sentiment_score":0.05896814726293087},{"text":"Thirteenth.","start":1129.2101,"end":1129.7101,"sentiment":"neutral","sentiment_score":0.02453473210334778}],"sentiment":"neutral","sentiment_score":0.05068449396640062,"num_words":26,"start":1088.315,"end":1129.7101},{"sentences":[{"text":"Oh, yeah.","start":1134.895,"end":1135.375,"sentiment":"neutral","sentiment_score":0.0985209122300148},{"text":"Oakview Caden.","start":1135.375,"end":1136.595,"sentiment":"neutral","sentiment_score":0.09756048768758774},{"text":"Caden sent good morning.","start":1138.335,"end":1139.875,"sentiment":"positive","sentiment_score":0.42189832776784897},{"text":"Part of our portfolio management investment committee.","start":1140.255,"end":1143.315,"sentiment":"neutral","sentiment_score":0.14462069315569742},{"text":"Yeah.","start":1143.9349,"end":1144.1749,"sentiment":"neutral","sentiment_score":0.046274784952402115}],"sentiment":"neutral","sentiment_score":0.1961484842468053,"num_words":16,"start":1134.895,"end":1144.1749},{"sentences":[{"text":"And there was an attachment.","start":1144.1749,"end":1145.215,"sentiment":"neutral","sentiment_score":0.0136299978941679},{"text":"I think I did look at it, but I I didn't think I had to do anything.","start":1145.215,"end":1149.1399,"sentiment":"neutral","sentiment_score":-0.021677495528231647},{"text":"Confirm happening.","start":1153.7599,"end":1154.7999,"sentiment":"neutral","sentiment_score":0.12894732505083084},{"text":"I see here it changed.","start":1154.7999,"end":1155.7599,"sentiment":"neutral","sentiment_score":0.09055149406194687},{"text":"Yep.","start":1155.7599,"end":1156.0,"sentiment":"neutral","sentiment_score":0.14094440639019012}],"sentiment":"neutral","sentiment_score":0.018374303076416253,"num_words":30,"start":1144.1749,"end":1156.0},{"sentences":[{"text":"Okay.","start":1156.0,"end":1156.24,"sentiment":"neutral","sentiment_score":0.16310015320777893},{"text":"No problem.","start":1156.24,"end":1156.72,"sentiment":"neutral","sentiment_score":0.3161613345146179},{"text":"I'll have a quick look through it.","start":1156.72,"end":1158.1799,"sentiment":"neutral","sentiment_score":0.2872303830725806},{"text":"Yeah.","start":1173.715,"end":1174.035,"sentiment":"neutral","sentiment_score":-0.0022221338003873825},{"text":"So probably I don't know probably what I'm thinking just before the tax, and I won't leave it.","start":1174.035,"end":1181.04,"sentiment":"neutral","sentiment_score":-0.12867899425327778}],"sentiment":"neutral","sentiment_score":0.01681349908226523,"num_words":29,"start":1156.0,"end":1181.04},{"sentences":[{"text":"I'll probably do it at least a month before, say, maybe at the beginning of June because I don't wanna cut myself too short.","start":1181.04,"end":1186.74,"sentiment":"neutral","sentiment_score":-0.15508111900029084},{"text":"I'll probably just put one payment in, I don't know, probably a couple of grand.","start":1187.295,"end":1191.8551,"sentiment":"neutral","sentiment_score":-0.037817306940754254},{"text":"I'll see how much money I've got.","start":1191.8551,"end":1193.555,"sentiment":"neutral","sentiment_score":-0.00989290133916906},{"text":"And that will probably be all I'll do.","start":1193.8551,"end":1195.375,"sentiment":"neutral","sentiment_score":0.053256415762007236},{"text":"Just probably put in one or maybe two payments of a couple of grand, $3.","start":1195.375,"end":1198.895,"sentiment":"neutral","sentiment_score":0.011803964773813883}],"sentiment":"neutral","sentiment_score":-0.05442530393897407,"num_words":69,"start":1181.04,"end":1198.895},{"sentences":[{"text":"I don't know.","start":1198.895,"end":1199.375,"sentiment":"neutral","sentiment_score":-0.019299002985159557},{"text":"Depending on how much money I've got.","start":1199.375,"end":1201.2351,"sentiment":"neutral","sentiment_score":-0.036415815885577886},{"text":"And and then I'll let you guys know.","start":1202.2101,"end":1203.9701,"sentiment":"neutral","sentiment_score":0.015042180428281426},{"text":"But that's probably all I'll do, I'd say, because I think I've got all my other stuff doing that thing.","start":1203.9701,"end":1212.61,"sentiment":"neutral","sentiment_score":0.010195079710683785},{"text":"So yeah.","start":1212.61,"end":1213.5901,"sentiment":"neutral","sentiment_score":0.05792766064405441}],"sentiment":"neutral","sentiment_score":0.0031821659693378026,"num_words":40,"start":1198.895,"end":1213.5901},{"sentences":[{"text":"Yeah.","start":1229.96,"end":1230.28,"sentiment":"neutral","sentiment_score":0.08501449227333069},{"text":"Yeah.","start":1230.28,"end":1230.6,"sentiment":"neutral","sentiment_score":0.08278343081474304},{"text":"We'll be under five.","start":1230.6,"end":1231.8201,"sentiment":"neutral","sentiment_score":0.07993834465742111},{"text":"Yep.","start":1231.96,"end":1232.46,"sentiment":"neutral","sentiment_score":0.12256687134504318},{"text":"Yeah.","start":1244.495,"end":1244.815,"sentiment":"neutral","sentiment_score":0.09417395293712616}],"sentiment":"neutral","sentiment_score":0.08803651574999094,"num_words":8,"start":1229.96,"end":1244.815},{"sentences":[{"text":"No.","start":1244.815,"end":1245.0549,"sentiment":"neutral","sentiment_score":-0.043118707835674286},{"text":"They could send me an email just so I know how to do it.","start":1245.0549,"end":1247.795,"sentiment":"neutral","sentiment_score":0.0812535932553666},{"text":"Yep.","start":1259.2,"end":1259.6799,"sentiment":"neutral","sentiment_score":0.2882724404335022},{"text":"Perfect.","start":1259.6799,"end":1260.1799,"sentiment":"positive","sentiment_score":0.6851825714111328},{"text":"Yep.","start":1264.32,"end":1264.6399,"sentiment":"neutral","sentiment_score":0.15910165011882782}],"sentiment":"neutral","sentiment_score":0.12372156998349561,"num_words":18,"start":1244.815,"end":1264.6399},{"sentences":[{"text":"And as long as I do it before I'll probably do it before the before June or around about June beginning of June.","start":1264.6399,"end":1277.515,"sentiment":"neutral","sentiment_score":0.07853614636089491},{"text":"Okay.","start":1278.455,"end":1278.955,"sentiment":"neutral","sentiment_score":0.2650699019432068},{"text":"No 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anyway.","start":1307.4551,"end":1309.235,"sentiment":"neutral","sentiment_score":0.044223652945624456},{"text":"Yeah.","start":1311.68,"end":1312.0,"sentiment":"neutral","sentiment_score":0.009665308520197868},{"text":"Because I looked at some of the fees and I don't know how old they were.","start":1312.0,"end":1314.8,"sentiment":"neutral","sentiment_score":-0.09873042302206159}],"sentiment":"neutral","sentiment_score":0.02550861235781043,"num_words":51,"start":1297.615,"end":1314.8},{"sentences":[{"text":"I saw one of them was, like, $5,000 and it's like, oh my god.","start":1314.8,"end":1318.2401,"sentiment":"neutral","sentiment_score":-0.13616424426436424},{"text":"It's looks like there's more money.","start":1318.2401,"end":1319.68,"sentiment":"neutral","sentiment_score":-0.17164569844802222},{"text":"I know we reduced down all my, you know, last time we spoke, we reduced all all the other contributions of things from a mid or $7.50 down.","start":1319.68,"end":1328.925,"sentiment":"neutral","sentiment_score":0.0033000425568648745},{"text":"But, yeah, I wanna especially at my age, I wanna try and increase as much as I can.","start":1329.7051,"end":1334.525,"sentiment":"positive","sentiment_score":0.44220205230845344},{"text":"Yeah.","start":1337.23,"end":1337.73,"sentiment":"neutral","sentiment_score":0.25168320536613464}],"sentiment":"neutral","sentiment_score":0.08011265265852657,"num_words":67,"start":1314.8,"end":1337.73},{"sentences":[{"text":"Yeah.","start":1349.555,"end":1349.875,"sentiment":"neutral","sentiment_score":0.2740456759929657},{"text":"And it if it's yeah.","start":1349.875,"end":1352.115,"sentiment":"positive","sentiment_score":0.40028666853904726},{"text":"If it's working or should I put in some more?","start":1352.115,"end":1354.695,"sentiment":"neutral","sentiment_score":0.13850596770644188},{"text":"Because my accountant yeah.","start":1354.835,"end":1356.195,"sentiment":"neutral","sentiment_score":0.08614001423120499},{"text":"He told me I he said I should be putting in more because he looked at my super and he said, Yeah.","start":1356.195,"end":1362.21,"sentiment":"neutral","sentiment_score":0.08147972297262061}],"sentiment":"neutral","sentiment_score":0.13803934900178796,"num_words":42,"start":1349.555,"end":1362.21},{"sentences":[{"text":"Anyway, he he didn't think it was that great.","start":1362.21,"end":1364.61,"sentiment":"neutral","sentiment_score":-0.00892895832657814},{"text":"But anyway, that's him.","start":1364.61,"end":1365.97,"sentiment":"neutral","sentiment_score":0.05287949088960886},{"text":"He's probably got, like, a few million sitting in his, you know.","start":1365.97,"end":1370.47,"sentiment":"neutral","sentiment_score":0.0694258554528157},{"text":"Okay.","start":1385.985,"end":1386.485,"sentiment":"neutral","sentiment_score":0.22212445735931396},{"text":"Okay.","start":1409.395,"end":1409.895,"sentiment":"neutral","sentiment_score":0.1571759283542633}],"sentiment":"neutral","sentiment_score":0.04976177739876288,"num_words":27,"start":1362.21,"end":1409.895},{"sentences":[{"text":"Yeah.","start":1429.995,"end":1430.3949,"sentiment":"neutral","sentiment_score":0.06988021731376648},{"text":"Oh, that's alright.","start":1430.3949,"end":1431.115,"sentiment":"neutral","sentiment_score":0.08430691560109456},{"text":"I don't really I don't need to compare with other people.","start":1431.115,"end":1433.7749,"sentiment":"neutral","sentiment_score":-0.08582807637073776},{"text":"Because everyone sort of you know, everyone's different.","start":1434.235,"end":1436.635,"sentiment":"neutral","sentiment_score":0.03168851789087057},{"text":"My friend, he works for himself.","start":1436.635,"end":1439.615,"sentiment":"neutral","sentiment_score":0.14289837330579758}],"sentiment":"neutral","sentiment_score":0.016882431275885682,"num_words":29,"start":1429.995,"end":1439.615},{"sentences":[{"text":"I don't know.","start":1439.755,"end":1440.315,"sentiment":"neutral","sentiment_score":-0.03873776582380136},{"text":"Because if you work for yourself, isn't it up to you to put your own super in?","start":1440.315,"end":1444.55,"sentiment":"neutral","sentiment_score":-0.05068272308391683},{"text":"And some I'm sure some businesses probably don't put any in for themselves unless they have to.","start":1444.55,"end":1450.3301,"sentiment":"neutral","sentiment_score":-0.05689083817688858},{"text":"Yeah.","start":1478.62,"end":1478.86,"sentiment":"positive","sentiment_score":0.4130252003669739},{"text":"We can always bring it forward.","start":1478.86,"end":1480.32,"sentiment":"positive","sentiment_score":0.5413887401421865}],"sentiment":"neutral","sentiment_score":0.03900895005261356,"num_words":44,"start":1439.755,"end":1480.32},{"sentences":[{"text":"I'm happy to you know, whenever you think is a good time.","start":1480.38,"end":1484.06,"sentiment":"positive","sentiment_score":0.3698751504222552},{"text":"Was the last one in October, was it?","start":1484.06,"end":1486.16,"sentiment":"neutral","sentiment_score":0.0576198473572731},{"text":"Okay.","start":1488.385,"end":1488.885,"sentiment":"neutral","sentiment_score":0.06121562421321869},{"text":"Okay.","start":1492.785,"end":1493.285,"sentiment":"neutral","sentiment_score":0.07040822505950928},{"text":"Yeah.","start":1493.745,"end":1494.0651,"sentiment":"neutral","sentiment_score":0.07359502464532852}],"sentiment":"neutral","sentiment_score":0.2219425851236219,"num_words":23,"start":1480.38,"end":1494.0651},{"sentences":[{"text":"I just wanna make sure that, you know, that's through for the net wealth.","start":1494.0651,"end":1496.785,"sentiment":"neutral","sentiment_score":0.09439903923443385},{"text":"Is it are they good?","start":1496.785,"end":1499.045,"sentiment":"neutral","sentiment_score":0.08286900445818901},{"text":"Is it all going well?","start":1499.3451,"end":1500.7051,"sentiment":"neutral","sentiment_score":0.13089519292116164},{"text":"Is there a better one out there?","start":1500.7051,"end":1502.3251,"sentiment":"neutral","sentiment_score":-0.001564333215355873},{"text":"I occasionally yeah.","start":1503.8099,"end":1505.33,"sentiment":"neutral","sentiment_score":0.045547205954790115}],"sentiment":"neutral","sentiment_score":0.07400290651575607,"num_words":34,"start":1494.0651,"end":1505.33},{"sentences":[{"text":"I occasionally look in there and see, but I really I think, like, most people probably don't have a look and access it.","start":1505.33,"end":1511.33,"sentiment":"neutral","sentiment_score":-0.04991428602648818},{"text":"It's just one of those things that's out of you know, you're just hoping that you look at it and there's a few million dollars in there.","start":1511.33,"end":1520.145,"sentiment":"neutral","sentiment_score":-0.006782724453067338},{"text":"You know?","start":1521.7849,"end":1524.4249,"sentiment":"neutral","sentiment_score":0.04086386226117611},{"text":"Yeah.","start":1526.065,"end":1526.565,"sentiment":"neutral","sentiment_score":0.05972570180892944},{"text":"The earlier, the better.","start":1526.625,"end":1527.84,"sentiment":"neutral","sentiment_score":0.07679579313844442}],"sentiment":"neutral","sentiment_score":-0.0154829042097717,"num_words":57,"start":1505.33,"end":1527.84},{"sentences":[{"text":"Yep.","start":1528.1599,"end":1528.24,"sentiment":"neutral","sentiment_score":0.1414540708065033},{"text":"I think that that'll be good.","start":1528.24,"end":1530.1799,"sentiment":"neutral","sentiment_score":0.11790576577186584},{"text":"Yeah.","start":1537.36,"end":1537.76,"sentiment":"neutral","sentiment_score":0.06756699085235596},{"text":"Around about June.","start":1537.76,"end":1538.82,"sentiment":"neutral","sentiment_score":0.061216718206803},{"text":"I reckon it'll be a good time.","start":1538.88,"end":1540.32,"sentiment":"neutral","sentiment_score":0.16222047273601806}],"sentiment":"neutral","sentiment_score":0.1242027288923661,"num_words":18,"start":1528.1599,"end":1540.32},{"sentences":[{"text":"Yeah.","start":1540.32,"end":1540.72,"sentiment":"neutral","sentiment_score":0.04437686502933502},{"text":"Even the start of June ish would be good.","start":1540.72,"end":1543.0599,"sentiment":"neutral","sentiment_score":0.16549096670415667},{"text":"Perfect.","start":1563.9501,"end":1564.43,"sentiment":"positive","sentiment_score":0.7583653926849365},{"text":"Sounds good.","start":1564.43,"end":1565.17,"sentiment":"positive","sentiment_score":0.7818099856376648},{"text":"Excellent.","start":1581.065,"end":1581.565,"sentiment":"positive","sentiment_score":0.8065082430839539}],"sentiment":"neutral","sentiment_score":0.3330206551722118,"num_words":14,"start":1540.32,"end":1581.565},{"sentences":[{"text":"Thank you very much.","start":1581.785,"end":1582.845,"sentiment":"positive","sentiment_score":0.8385419100522995},{"text":"Yeah.","start":1586.265,"end":1586.665,"sentiment":"positive","sentiment_score":0.38603395223617554},{"text":"Me too.","start":1586.665,"end":1587.145,"sentiment":"positive","sentiment_score":0.4451690912246704},{"text":"Thanks very much.","start":1587.145,"end":1588.205,"sentiment":"positive","sentiment_score":0.7467208107312521},{"text":"See you, everyone.","start":1590.0968,"end":1590.7368,"sentiment":"positive","sentiment_score":0.45259647568066913}],"sentiment":"positive","sentiment_score":0.6329608949331137,"num_words":13,"start":1581.785,"end":1590.7368},{"sentences":[{"text":"Okay.","start":1590.7368,"end":1590.9768,"sentiment":"neutral","sentiment_score":0.218753919005394},{"text":"Bye.","start":1590.9768,"end":1591.4768,"sentiment":"neutral","sentiment_score":-0.10405316948890686}],"sentiment":"neutral","sentiment_score":0.057350374758243575,"num_words":2,"start":1590.7368,"end":1591.4768}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Derek speaking.\n\nChannel 0: Good afternoon, Derek. This is Veronica from OC Financial. How are you?\n\nChannel 1: I'm good. Thanks for working. Yourself?\n\nChannel 0: Yeah. I'm good. Thanks. I had you booked in\n\nChannel 1: Yeah.\n\nChannel 0: for a little bit of a catch up. Is now still a good time?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Perfect. Now just before I do go any further, just like usual, just confirming that you're happy for this call to be recorded for training and coaching purposes.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?\n\nChannel 1: Yep. Full name, Derek Andrew Such. Date of birth, 10/06/1973. Address, 13 Claremont Street, Albion, Victoria.\n\nChannel 0: Yep. Perfect. That's exactly what I have here. And how's your day been so far? Been busy?\n\nChannel 1: It's always busy.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. I I don't\n\nChannel 0: Almost\n\nChannel 1: there's there's no such thing as quite okay. It's just no such thing, unfortunately.\n\nChannel 0: yeah. No. I I feel you. Almost finished for the day, though. Would you have much more to go?\n\nChannel 1: No. No. No. I finished at five, which was\n\nChannel 0: Oh, sorry.\n\nChannel 1: an hour hour ago. So six. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: I've been finished for one hour because you guys are, what, one hour\n\nChannel 0: Yeah.\n\nChannel 1: ahead\n\nChannel 0: So it's\n\nChannel 1: or\n\nChannel 0: yeah.\n\nChannel 1: behind.\n\nChannel 0: So it's\n\nChannel 1: So\n\nChannel 0: yes. It's 05:00 here in Queensland.\n\nChannel 1: okay.\n\nChannel 0: Yeah. Now I had you booked in to talk a little bit about you potentially wanting to make some extra contributions into superannuation.\n\nChannel 1: Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Just a couple of one off payments or something, weren't they? I think or just a couple of extra payments.\n\nChannel 0: Yeah. I think that was what you were kind of looking at doing. I think from the note here is, like, you spoke to your accountant and he kind of suggested as well for you to make a little bit of extra extra contributions into superannuation potentially to reduce your taxable income.\n\nChannel 1: Yeah. And he told me to request either from the super company or whoever it is just before the financial year. I can't\n\nChannel 0: Yep.\n\nChannel 1: remember the exact terminology, but you request something like to get\n\nChannel 0: Yeah.\n\nChannel 1: it back or\n\nChannel 0: Notice\n\nChannel 1: something\n\nChannel 0: of\n\nChannel 1: like\n\nChannel 0: intent.\n\nChannel 1: that.\n\nChannel 0: Yeah.\n\nChannel 1: Notice\n\nChannel 0: So\n\nChannel 1: of intents. Yeah. Okay.\n\nChannel 0: yes.\n\nChannel 1: That's it.\n\nChannel 0: So there are different ways, obviously, you can do it and depending on how you want to do it. Now I know that you have salary sacrificed already as well, and your income's still around 105,000?\n\nChannel 1: Yep. Around that.\n\nChannel 0: Yep. Perfect. And your employer still just pays you that standard 12% contribution?\n\nChannel 1: Yeah. I think so. Yep.\n\nChannel 0: Yes. Like, you don't have a special enterprise bargain agreement that gives you access to additional super or anything\n\nChannel 1: No.\n\nChannel 0: like that?\n\nChannel 1: No.\n\nChannel 0: No.\n\nChannel 1: We're going through that at the moment where to try and get a pay rise, but, no. I don't think I've got ex access to anything else.\n\nChannel 0: Okay. And do you obviously, if you're going through that at the moment, you might not know. But do you know kind of a rough idea of the pay that can be expected? Because that will bump up your contributions.\n\nChannel 1: Well, we we've just been given the CEO gave everyone, I think, 2.5% pay rise.\n\nChannel 0: Okay. Yep. Perfect.\n\nChannel 1: But that would have been I don't know when that started. That would have been probably after the last financial year. That was that was just until they're still doing the enterprise bargaining. It's going yeah. It's quite complicated.\n\nThe unions are involved,\n\nChannel 0: Mhmm.\n\nChannel 1: and they're not happy with it. And then it's going back to the\n\nChannel 0: Right.\n\nChannel 1: the CEO and then they're discussing what so I I don't know eventually what we're gonna get extra. Hopefully, it's more than 2.5%\n\nChannel 0: No.\n\nChannel 1: and then we'll get hopefully back paid as well. They said we'll get back paid and\n\nChannel 0: Yep. Oh,\n\nChannel 1: But\n\nChannel 0: that's\n\nChannel 1: yeah. No.\n\nChannel 0: nice.\n\nChannel 1: Yeah. We're looking it's happened before, but I don't know how much we're gonna get. It's it\n\nChannel 0: Okay.\n\nChannel 1: will all depends with the negotiations and how much they accept, I suppose.\n\nChannel 0: Yeah. And do you get any, like, bonuses and stuff like that or commissions, or is it just kind of based pay?\n\nChannel 1: No. So we do so my normal salary I've got my normal salary. And then every year, because I've been there, I think it's the seventh year, you get a bonus thousand dollars.\n\nChannel 0: Okay. Yep.\n\nChannel 1: But that that would have already been when I get my tax return, it's already included in there. And then we can\n\nChannel 0: Yep.\n\nChannel 1: also do overtime depending on, you know, if we wanna do we have events and things where we work on the weekends.\n\nChannel 0: Mhmm.\n\nChannel 1: So, yeah, that that all depends.\n\nChannel 0: Okay.\n\nChannel 1: But, yeah, I can I can earn extra\n\nChannel 0: Yep.\n\nChannel 1: money if I want?\n\nChannel 0: And do you know if you get a bonus and overtime, if you get paid through the contributions on that.\n\nChannel 1: I'm pretty sure I would.\n\nChannel 0: Yep. Most of the time bonuses, people do get contributions. Overtime, not always.\n\nChannel 1: Okay.\n\nChannel 0: Some does. So the only reason I do ask is to make a notice of intent, which is where let's say if you want to make a couple of ad hoc contributions into super, so that would obviously be from your after tax income, like, from your bank account. So\n\nChannel 1: Alright.\n\nChannel 0: if you make a couple of contributions that way, the way that it goes into superannuation initially is what we call your non concessional contributions, which is after tax. Now doing before the end of financial, you get that notice of intent changes them through pretax contribution, which is where you do get that little tax back, which is probably what your kind of accountant was talking to you about, which is a great way. The only thing is that there are cap spaces to be mindful of. So the\n\nChannel 1: Okay.\n\nChannel 0: concessional, which is the pretax contribution, which is where your employer contributions and your salary sacrifice counts to it, at the moment, it's 30,000. So if your income is around 105 and we don't factor in any bonus or overtime, your standard salary sacrifice that you were doing at the moment, that takes at the moment, that's for about 15,223 out of the 30,000. So you do still have plenty of space if you wanted to make a bit of extra contributions and get the tax back.\n\nChannel 1: Mhmm.\n\nChannel 0: Do you have any amount of what you were thinking? Because if it's more than, obviously, 15 or closer to that, then I would just\n\nChannel 1: No.\n\nChannel 0: be wary. Okay.\n\nChannel 1: Would\n\nChannel 0: That's\n\nChannel 1: it\n\nChannel 0: good.\n\nChannel 1: it wouldn't be anything near I mean, I I'm probably struggling even to have a couple of grand, but it'll probably just be yeah. I I I don't know. Maybe maximum $5, but\n\nChannel 0: Okay. Yeah.\n\nChannel 1: I don't know.\n\nChannel 0: From\n\nChannel 1: It\n\nChannel 0: the\n\nChannel 1: wouldn't it wouldn't be a lot,\n\nChannel 0: from\n\nChannel 1: I\n\nChannel 0: the\n\nChannel 1: think.\n\nChannel 0: from the space, you do have you do have capacity to do that. So if you wanted to do 5,000, you can. And just let us know if you do it because then especially before the end of the financial year, so a couple of weeks before the end of financial year, just to make sure there's enough time for it to clear, we can\n\nChannel 1: Right.\n\nChannel 0: do that notice of intent for you. So we can launch that straight away with your super fund and get that sorted. And then we just give you the document and you would just literally give that to your account. So it's pretty straightforward from from that point of view.\n\nChannel 1: Okay. So I'll just let you know, say I put in one payment of 3,000\n\nChannel 0: Mhmm.\n\nChannel 1: into my super. I'll just let you know that I've put in $3,000.\n\nChannel 0: Yep. Yep. You can just\n\nChannel 1: Because\n\nChannel 0: send me an\n\nChannel 1: yeah.\n\nChannel 0: email or call and say, hey. I put a contribution of $3,000. Can you can you claim the notice of intent on the whole amount? Then we can do that for you.\n\nChannel 1: Okay. What happens with because I pay extra voluntary anyway, not much, probably an extra couple of percent. You can't claim that back, can you?\n\nChannel 0: Volunteers, you do it after tax as well as salary sacrifice?\n\nChannel 1: Yeah. So I pay every I don't know. I think it's only an extra couple of percent that I've always paid into my super fund on top of my normal\n\nChannel 0: Mhmm.\n\nChannel 1: 12%.\n\nChannel 0: Yes.\n\nChannel 1: So\n\nChannel 0: Yes.\n\nChannel 1: it's it it probably adds up to a couple of grand a year. That, you can't claim back as well or not?\n\nChannel 0: No. Because the way that it's at the moment so because it's salary sacrifice, so I can see it in your account at the moment. It's about a $103.43 a fortnight.\n\nChannel 1: Okay.\n\nChannel 0: Does that sound about right?\n\nChannel 1: Yeah. That probably sounds about\n\nChannel 0: Yeah.\n\nChannel 1: right. Yep.\n\nChannel 0: Now because that comes out of your salary before tax, it's already claimed that. So you can only do\n\nChannel 1: Okay.\n\nChannel 0: the tax back on after tax contribution because you've already paid the tax on it. Does\n\nChannel 1: Gotcha.\n\nChannel 0: that make sense?\n\nChannel 1: Yeah. On after\n\nChannel 0: Yeah.\n\nChannel 1: tax. Okay.\n\nChannel 0: So it's basically you can only claim if you like, say, from your bank account, you decide to do extra contributions yourself or if your\n\nChannel 1: Right.\n\nChannel 0: employer, for some reason, have it set up that they take it after tax, which typically you wouldn't do, you would do it pretax because at the end of the day, it means that when you're doing the salary sacrifice, you get a pretax straight away versus if you do it after tax, it means that you have less money. And then at the end of the financial year, you might get a little bit of a lump sum, but most people will prefer throughout the year to get that kind of steady income, if that makes sense.\n\nChannel 1: Yep. Okay. Gotcha.\n\nChannel 0: Yep.\n\nChannel 1: Yep. Makes sense.\n\nChannel 0: Obviously, something to be mindful of with if you do make the contributions into super regardless of which way you do it, is that it is locked into your meter condition of release. And especially if it is that you said that it's a little bit, you know, unsure with cash flow and a lot of people nowadays with, you know, increasing mortgage or rent and living expenses and everything, people are struggling a little bit more. So if you do wanna make extra contribution through superannuation, it will be locked in until you meet a condition of release, which often is turning 60, stop working, 65, keep working, or if you suffer, like, financial hardship or something like that. So that is something to be mindful of. But if you do make those contributions, you can't just take it out later\n\nChannel 1: Yep.\n\nChannel 0: if you need it.\n\nChannel 1: Yeah. But can't you use your super to invest in property? You can use it as an investment.\n\nChannel 0: Yes. The only way you can do that though is through a self managed super fund. So yeah. So you definitely can. And with yeah.\n\nIt would be through a self managed super fund. Have you heard much about self managed super funds before?\n\nChannel 1: No. But I just know one of my proprietors. She owns a nail salon. She's a financial adviser, and she was telling me you know, we just had a conversation. She\n\nChannel 0: Yep.\n\nChannel 1: goes,\n\nChannel 0: Yeah.\n\nChannel 1: oh, many people don't many people don't realize that she she set up so many people that have been and even herself, she's got all these properties that are all managed through through Super because it's one of the reasons you can use your Super Balance to invest\n\nChannel 0: Mhmm.\n\nChannel 1: in in real estate or something. She said she's got some properties. I never\n\nChannel 0: Yeah.\n\nChannel 1: heard of it, but okay.\n\nChannel 0: Yeah. And you definitely can do it through a self managed super fund. And a lot of the time, we see clients so we can definitely do self managed super funds. It is great for some clients. It's definitely not for everybody.\n\nTypically, we've seen more shutdown than opened up, and that's mainly due to all the running costs and stuff with it. Selfman\n\nChannel 1: Okay.\n\nChannel 0: Superfund is great if you have a lot of financial knowledge. So if that's obviously her occupation, fantastic because how it is is that you are basically self managing it. So you have all the liability compliance, auditing, that is what you are responsible for. Whereas, like, with Netwealth, which is what you have your super with, they are then responsible to make sure everything's compliant.\n\nChannel 1: Yep.\n\nChannel 0: You,\n\nChannel 1: Okay.\n\nChannel 0: as the owner of the self managed super fund, would do that. A lot of also, we see it where it is businesses because you can have it through a property. So you have to have it on Armpelings because it is the purpose of retirement. So you can't have it for yourself, like a holiday house or or anything that you live in. So it's obviously from the investment purposes, but you can have it from, like, renting through a company and stuff like that.\n\nSo that's how you often see a business owners and stuff having Salesman at Superfund and renting it out to a business as long as it's fair market value. You see it that way. And if that's kind of if she runs a nail salon and she has a an office space, that is a very good way of doing it if you have enough money in superannuation as well. Yeah. And\n\nChannel 1: God, there's so so many things to to know, isn't there?\n\nChannel 0: and there there is.\n\nChannel 1: Gosh.\n\nChannel 0: And with the Salesman Superfund as well, because, like, aside from, obviously, all the the legislation and stuff that you have to be responsible for, They come also that you have to do, like, a yearly order for a a tax account and stuff like that to do it, and there are a lot more costs. So typically, asset says that to make it affordable from a tap like, for a different cost point of view, there's just no less than 250,000 in super because it costs a lot more to run. Now the more money you have, it can make it then more cost effective. But even some industry expert experts says that you need you should have closer to around the 500,000 to make it affordable. Sometimes you see, like, couples joining superannuations if you have, like, a higher balance and doing a self managed super fund.\n\nAnd and part of the self managed super fund is, like, you might have one property or a couple of properties, but you might not want everything into the one thing. Because that's also sometimes the issue to see is that if you have everything locked into a property, something happens and you need access to some money, it's all locked into the property. Right? So sometimes people have a property all through, and then you also have a a share portfolio. So similar to what you have in Netwealth, they have on the side as well to kind of diversify things for you.\n\nBut, obviously, you kind of obviously need a a bigger balance in order to sustain that.\n\nChannel 1: Okay.\n\nChannel 0: So, yes, it can get quite quite complex, so there's\n\nChannel 1: Yeah.\n\nChannel 0: a lot\n\nChannel 1: Maybe\n\nChannel 0: there's\n\nChannel 1: that's not\n\nChannel 0: a lot\n\nChannel 1: what I\n\nChannel 0: you\n\nChannel 1: want.\n\nChannel 0: can do.\n\nChannel 1: I don't think I think you've just put you've probably just put me off it.\n\nChannel 0: But, you know, if it's something that changes down the track and especially as you see the balance grows as well, I think from a fee point of view and, you know, the goals and everything right now, what you are doing, I think, is is a good way to boost the super balance. But if it is something, you know, down the track that you are like, okay. No. I do wanna explore this further. You can always let us know as well because we do we are holistic funds, so we do settlement super funds and stuff like that as well, you know, where it is appropriate.\n\nA lot of the time, it's one of those things as well where people hear about it and think it's a fantastic idea until they then kind of find out a little bit more in regards to it. And then they're like, oh, yeah. No. That's a bit too much or, you know, I don't wanna have all that responsibility and stuff like that if something were to happen and all the costs around it as well.\n\nChannel 1: Mhmm. Okay. Maybe I'll just stick to having my normal super. Might be easier if someone else can do it for me.\n\nChannel 0: Exactly. But, you know, like I said, if anything does change, you know, down the track and you you want to, you know, explore things, you can always let us know. We also have your annual review coming up. It's not until about October as well where we can kind of go through everything in a bit more detail with you and see if you wanna make any other, you know, changes. You would have seen as well that we send out an ROI swapping one of the investments.\n\nDid you see that\n\nChannel 1: No. What was\n\nChannel 0: email?\n\nChannel 1: it? Sorry?\n\nChannel 0: No? So on let me see here. The March 13, We sent an email in regards to just one of the investments which is we made to the portfolio.\n\nChannel 1: Oh, maybe I did see that.\n\nChannel 0: Yeah.\n\nChannel 1: I was just gonna\n\nChannel 0: You\n\nChannel 1: take\n\nChannel 0: didn't\n\nChannel 1: a\n\nChannel 0: have to action anything. It was just more for your reference just\n\nChannel 1: moment.\n\nChannel 0: to see that we have, you know, done a lot of research into the different investments and, you know, it's always good. Things are always changing in the world and in the market, and it is good to obviously keep on top of it. And sometimes we do need to make some changes to investments to make sure that everything continues, you know, to grow and put you in the best position. So go and have a little little read over that if you have a moment. You don't have to action it or anything.\n\nIt's just for your reference, basically.\n\nChannel 1: Yeah. I think I was it definitely\n\nChannel 0: Mhmm.\n\nChannel 1: sent on the the sixteenth? Thirteenth.\n\nChannel 0: I have here, yeah, that it was sent on the thirteenth.\n\nChannel 1: Oh, yeah. Oakview Caden.\n\nChannel 0: Yes.\n\nChannel 1: Caden sent good morning. Part of our portfolio management investment\n\nChannel 0: Yes.\n\nChannel 1: committee. Yeah. And there was an attachment. I think I did look at it, but I I didn't\n\nChannel 0: Yes.\n\nChannel 1: think I had to do anything.\n\nChannel 0: No worries. You didn't. Just just for your reference.\n\nChannel 1: Confirm happening. I see here it changed. Yep. Okay. No problem.\n\nI'll have a quick look through it.\n\nChannel 0: Yeah. Would you like the team to send you an email with the contributions detail if you do decide to make ad hoc contributions after tax? Or what are your thought at the moment?\n\nChannel 1: Yeah. So probably I don't know probably what I'm thinking just before the tax, and I won't leave it. I'll probably do it at least a month before, say, maybe at the beginning\n\nChannel 0: Yeah.\n\nChannel 1: of June because I don't wanna cut myself too short.\n\nChannel 0: Yeah.\n\nChannel 1: I'll probably just put one payment in,\n\nChannel 0: Mhmm.\n\nChannel 1: I don't know, probably a couple of grand. I'll see how much money I've got. And\n\nChannel 0: Yep.\n\nChannel 1: that will probably be all I'll do. Just probably put in\n\nChannel 0: Yeah.\n\nChannel 1: one or maybe two payments of a couple of grand, $3. I\n\nChannel 0: Yep.\n\nChannel 1: don't know. Depending on how much money I've got. And and then\n\nChannel 0: Yep.\n\nChannel 1: I'll let you guys know. But that's probably all I'll do, I'd say, because I\n\nChannel 0: Yeah.\n\nChannel 1: think\n\nChannel 0: Okay.\n\nChannel 1: I've got all my other stuff\n\nChannel 0: Yes. Oh, that's good.\n\nChannel 1: doing\n\nChannel 0: Yeah.\n\nChannel 1: that\n\nChannel 0: Just\n\nChannel 1: thing.\n\nChannel 0: be\n\nChannel 1: So yeah.\n\nChannel 0: just be mindful of that 30,000, but you do have plenty of space at the moment. If you don't if it is that you do get a big bonus or a big pay rise, just be mindful. But if you're only looking about, you know, under five or something like that, you do have plenty of space.\n\nChannel 1: Yeah. Yeah. We'll be under\n\nChannel 0: Yep.\n\nChannel 1: five. Yep.\n\nChannel 0: Yep. Perfect. Would you like the team to send you the an email with your details on how to make those contributions, or do you wanna give us a call when you're ready to do it? Or what's easiest\n\nChannel 1: Yeah.\n\nChannel 0: for you?\n\nChannel 1: No. They could send me an email just\n\nChannel 0: Yep.\n\nChannel 1: so I know how to do it.\n\nChannel 0: Yep. We can do that. That way you have the information there. And then when you have done, we can even just respond to that email. I'll make sure they cc me in as well,\n\nChannel 1: Yep.\n\nChannel 0: and\n\nChannel 1: Perfect.\n\nChannel 0: then we can make that notice of intent for you.\n\nChannel 1: Yep. And as long as I do it before I'll probably do it before the before June or around about June beginning of\n\nChannel 0: Yeah. No. That's perfect. Because sometimes we get people calling me a couple of days before the end of this financial\n\nChannel 1: June.\n\nChannel 0: year, and they're like, oh, how do\n\nChannel 1: Okay.\n\nChannel 0: I make contributions now? And it's like, network, you know, super fun sometimes takes a little bit too, so I can't guarantee anything. So, yes, if you do it at, like, June, that's perfect.\n\nChannel 1: No problem.\n\nChannel 0: Yep. Perfect. Now did you have any other questions for me today otherwise?\n\nChannel 1: No. I think that's pretty much it. Thanks very\n\nChannel 0: No?\n\nChannel 1: much. So\n\nChannel 0: Yeah.\n\nChannel 1: the next review,\n\nChannel 0: Mhmm.\n\nChannel 1: I'll probably wanna look at if it's possible, is my super fund what you know, how's\n\nChannel 0: Mhmm.\n\nChannel 1: it going? I know you guys do all of\n\nChannel 0: Yeah.\n\nChannel 1: that anyway.\n\nChannel 0: Just a bit more in-depth. Mhmm.\n\nChannel 1: Yeah. Because I looked at some of the fees and I don't know how old they were. I saw one of them was, like, $5,000 and it's like, oh my god. It's looks like there's more money. I know we reduced down all my, you know, last time we spoke,\n\nChannel 0: Mhmm.\n\nChannel 1: we\n\nChannel 0: Mhmm.\n\nChannel 1: reduced all all the other contributions of things from a mid\n\nChannel 0: Yep.\n\nChannel 1: or $7.50 down.\n\nChannel 0: Yep.\n\nChannel 1: But, yeah, I wanna especially at my age, I wanna try\n\nChannel 0: Yeah.\n\nChannel 1: and increase as much as I can.\n\nChannel 0: Just maximize. Yeah. We can do that, and we can even do a bit of\n\nChannel 1: Yeah.\n\nChannel 0: an updated SOA even where we do a bit more updated projections and stuff just to kind of see, well, how are things tracking by doing the contributions you were doing, you know, where where is everything at.\n\nChannel 1: Yeah. And\n\nChannel 0: We\n\nChannel 1: it\n\nChannel 0: can definitely\n\nChannel 1: if\n\nChannel 0: do\n\nChannel 1: it's\n\nChannel 0: that.\n\nChannel 1: yeah. If it's working or should I put in some more?\n\nChannel 0: Yep.\n\nChannel 1: Because my accountant\n\nChannel 0: Yeah.\n\nChannel 1: yeah. He told me I he said I should be putting in more because he looked at my super and he said, Yeah. Anyway, he he didn't think it was that great. But anyway, that's him. He's\n\nChannel 0: Accountants\n\nChannel 1: probably got, like,\n\nChannel 0: always\n\nChannel 1: a few million sitting\n\nChannel 0: yep.\n\nChannel 1: in his, you know.\n\nChannel 0: But you're not doing too bad, honestly. Obviously, it's the it's dependent on your income and and everything like that. But for your age and what you're seeing in the industry average, it's not that bad.\n\nChannel 1: Okay.\n\nChannel 0: So and you can even just, like, if just for your reference, if you do wanna, you know, keep a bit of an eye on it as well on more MoneySmart, it's called. They do kind of, let's see here, industry averages in Australia, different super balances and different age brackets.\n\nChannel 1: Okay.\n\nChannel 0: It doesn't mean that that's necessarily what you need to retire on, but it shows you kind of at least the the the average in Australia where people are at. So sometimes it's a good idea to kind of be like, okay. Well, you know, where am I at in relative to people in my age in Australia, at least?\n\nChannel 1: Yeah. Oh, that's alright. I don't really I don't need to compare with other people.\n\nChannel 0: Okay.\n\nChannel 1: Because everyone sort of you know, everyone's different. My friend, he\n\nChannel 0: Exactly.\n\nChannel 1: works for himself. I don't know. Because if you work for yourself, isn't it up to you to put\n\nChannel 0: Correct.\n\nChannel 1: your own super in? And some\n\nChannel 0: Yes.\n\nChannel 1: I'm sure some businesses probably don't put any in\n\nChannel 0: Yes.\n\nChannel 1: for\n\nChannel 0: Very\n\nChannel 1: themselves\n\nChannel 0: much so.\n\nChannel 1: unless they have to.\n\nChannel 0: Yes. Yes. And if you are a sole trader, you don't have to. Only if you, you know, are a business where you pay yourself a wage. So yes.\n\nYeah. I'll make a little note, and we can kind of do a bit more in-depth during the under review, which is, yeah, coming up about October. But if it is any point that you do wanna bring it forward, again, just give us a call or send us an email, and we can always do that.\n\nChannel 1: Yeah. We can always bring it forward. I'm happy\n\nChannel 0: Yeah.\n\nChannel 1: to you know, whenever you think is a good time. Was the last one in October, was it?\n\nChannel 0: Yes. It would have been around\n\nChannel 1: Okay.\n\nChannel 0: October when it was your annual review.\n\nChannel 1: Okay. Yeah. I just wanna make sure that, you know, that's through for\n\nChannel 0: Mhmm.\n\nChannel 1: the net wealth. Is it\n\nChannel 0: It's\n\nChannel 1: are\n\nChannel 0: all\n\nChannel 1: they\n\nChannel 0: going.\n\nChannel 1: good? Is it\n\nChannel 0: Yeah.\n\nChannel 1: all going well? Is there a better one\n\nChannel 0: Yeah.\n\nChannel 1: out there?\n\nChannel 0: Yeah. We can\n\nChannel 1: I\n\nChannel 0: definitely\n\nChannel 1: occasionally\n\nChannel 0: do that.\n\nChannel 1: yeah. I occasionally look in there and see, but I really I think, like, most people probably don't have a look and access it. It's just one of those things that's out of you know, you're just hoping that\n\nChannel 0: Yeah.\n\nChannel 1: you look at it and there's a few million dollars in\n\nChannel 0: Yeah.\n\nChannel 1: there.\n\nChannel 0: Now do you want me to set a reminder\n\nChannel 1: You\n\nChannel 0: for the team to reach out a bit earlier,\n\nChannel 1: know?\n\nChannel 0: or what are you thinking?\n\nChannel 1: Yeah. The earlier,\n\nChannel 0: Yeah?\n\nChannel 1: the better. Yep.\n\nChannel 0: Okay.\n\nChannel 1: I think\n\nChannel 0: Do\n\nChannel 1: that\n\nChannel 0: you think\n\nChannel 1: that'll be\n\nChannel 0: around\n\nChannel 1: good.\n\nChannel 0: around June before you do the contributions or a bit later?\n\nChannel 1: Yeah. Around about June. I reckon it'll\n\nChannel 0: Yes?\n\nChannel 1: be a good\n\nChannel 0: Okay.\n\nChannel 1: time. Yeah. Even the start of June ish would be good.\n\nChannel 0: Yes. Alright. Well, I'll make a little note to the team to reach out to you June, see how you're going. And if you do wanna book in for the annual review, then we can kind of go through everything there. And then we can run the numbers as well just to see how much space you have, if you wanted to make a difference of contributions around that time anyway.\n\nChannel 1: Perfect. Sounds good.\n\nChannel 0: Yeah. Perfect. Well, if you don't have any other questions, Derek, I will let you go and enjoy your afternoon. Keep a lookout for that email with the contribution details. Otherwise, I will get the team to reach out that June.\n\nChannel 1: Excellent. Thank you very much.\n\nChannel 0: No problem at all. I look forward to speaking with you soon again.\n\nChannel 1: Yeah. Me too. Thanks very much.\n\nChannel 0: Thank you. Bye.\n\nChannel 1: See you, everyone. Okay. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":2.8,"end":3.1999998,"sentiment":"neutral","sentiment_score":0.06662914901971817},{"text":"Derek speaking.","start":3.1999998,"end":3.9399998,"sentiment":"neutral","sentiment_score":0.06699742004275322}],"sentiment":"neutral","sentiment_score":0.06687466303507487,"channel":1,"num_words":3,"start":2.8,"end":3.9399998},{"sentences":[{"text":"Good afternoon, Derek.","start":4.48,"end":5.52,"sentiment":"positive","sentiment_score":0.4297982652982076},{"text":"This is Veronica from OC Financial.","start":5.52,"end":7.7,"sentiment":"neutral","sentiment_score":0.31676213443279266},{"text":"How are you?","start":7.8399997,"end":8.58,"sentiment":"neutral","sentiment_score":0.26910683512687683}],"sentiment":"neutral","sentiment_score":0.3331073423226674,"channel":0,"num_words":12,"start":4.48,"end":8.58},{"sentences":[{"text":"I'm good.","start":9.12,"end":9.679999,"sentiment":"positive","sentiment_score":0.6413858830928802},{"text":"Thanks for working.","start":9.679999,"end":10.48,"sentiment":"positive","sentiment_score":0.7579510609308878},{"text":"Yourself?","start":10.48,"end":10.98,"sentiment":"positive","sentiment_score":0.5421749353408813}],"sentiment":"positive","sentiment_score":0.6831333140532175,"channel":1,"num_words":6,"start":9.12,"end":10.98},{"sentences":[{"text":"Yeah.","start":11.44,"end":11.759999,"sentiment":"positive","sentiment_score":0.38287824392318726},{"text":"I'm good.","start":11.759999,"end":12.4,"sentiment":"positive","sentiment_score":0.5556149780750275},{"text":"Thanks.","start":12.4,"end":12.9,"sentiment":"positive","sentiment_score":0.5770952701568604},{"text":"I had you booked in","start":14.125,"end":15.165,"sentiment":"neutral","sentiment_score":0.18501471281051635}],"sentiment":"neutral","sentiment_score":0.3329196704758538,"channel":0,"num_words":9,"start":11.44,"end":15.165},{"sentences":[{"text":"Yeah.","start":14.975,"end":15.475,"sentiment":"neutral","sentiment_score":0.11422999203205109}],"sentiment":"neutral","sentiment_score":0.11422999203205109,"channel":1,"num_words":1,"start":14.975,"end":15.475},{"sentences":[{"text":"for a little bit of a catch up.","start":15.165,"end":16.525,"sentiment":"neutral","sentiment_score":0.21129769459366798},{"text":"Is now still a good time?","start":16.525,"end":17.985,"sentiment":"neutral","sentiment_score":0.2171191150943438}],"sentiment":"neutral","sentiment_score":0.21379258909395762,"channel":0,"num_words":14,"start":15.165,"end":17.985},{"sentences":[{"text":"Yep.","start":19.295,"end":19.795,"sentiment":"neutral","sentiment_score":0.13090549409389496}],"sentiment":"neutral","sentiment_score":0.13090549409389496,"channel":1,"num_words":1,"start":19.295,"end":19.795},{"sentences":[{"text":"Yeah.","start":19.645,"end":20.145,"sentiment":"neutral","sentiment_score":0.2858119606971741},{"text":"Perfect.","start":20.365,"end":20.865,"sentiment":"positive","sentiment_score":0.5213642120361328},{"text":"Now just before I do go any further, just like usual, just confirming that you're happy for this call to be recorded for training and coaching purposes.","start":21.485,"end":29.92,"sentiment":"positive","sentiment_score":0.35773960197413407}],"sentiment":"positive","sentiment_score":0.3609015664149975,"channel":0,"num_words":29,"start":19.645,"end":29.92},{"sentences":[{"text":"Yep.","start":31.26,"end":31.76,"sentiment":"neutral","sentiment_score":0.1194339245557785}],"sentiment":"neutral","sentiment_score":0.1194339245557785,"channel":1,"num_words":1,"start":31.26,"end":31.76},{"sentences":[{"text":"Yep.","start":31.98,"end":32.48,"sentiment":"neutral","sentiment_score":0.14708322286605835},{"text":"Perfect.","start":32.54,"end":33.04,"sentiment":"positive","sentiment_score":0.35806411504745483},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?","start":33.18,"end":41.6,"sentiment":"neutral","sentiment_score":0.097126194777397}],"sentiment":"neutral","sentiment_score":0.1082295857902084,"channel":0,"num_words":28,"start":31.98,"end":41.6},{"sentences":[{"text":"Yep.","start":42.94,"end":43.26,"sentiment":"neutral","sentiment_score":0.0288410484790802},{"text":"Full name, Derek Andrew Such.","start":43.26,"end":45.04,"sentiment":"neutral","sentiment_score":0.03175016716122627},{"text":"Date of birth, 10/06/1973.","start":45.845,"end":48.085,"sentiment":"neutral","sentiment_score":0.031344500835984945},{"text":"Address, 13 Claremont Street, Albion, Victoria.","start":48.085,"end":51.385,"sentiment":"neutral","sentiment_score":0.05047971879442533}],"sentiment":"neutral","sentiment_score":0.03849051252473146,"channel":1,"num_words":16,"start":42.94,"end":51.385},{"sentences":[{"text":"Yep.","start":52.215,"end":52.695,"sentiment":"neutral","sentiment_score":0.1523902714252472},{"text":"Perfect.","start":52.695,"end":53.095,"sentiment":"positive","sentiment_score":0.49810612201690674},{"text":"That's exactly what I have here.","start":53.095,"end":54.775,"sentiment":"positive","sentiment_score":0.5436403999725977},{"text":"And how's your day been so far?","start":54.775,"end":56.295002,"sentiment":"neutral","sentiment_score":0.14949526531355722},{"text":"Been busy?","start":56.295002,"end":57.035004,"sentiment":"neutral","sentiment_score":-0.11433691158890723}],"sentiment":"neutral","sentiment_score":0.2782430486644016,"channel":0,"num_words":17,"start":52.215,"end":57.035004},{"sentences":[{"text":"It's always busy.","start":58.829998,"end":59.969997,"sentiment":"neutral","sentiment_score":-0.14853029449780783}],"sentiment":"neutral","sentiment_score":-0.14853029449780783,"channel":1,"num_words":3,"start":58.829998,"end":59.969997},{"sentences":[{"text":"Yeah.","start":60.41,"end":60.91,"sentiment":"neutral","sentiment_score":-0.07342493534088135}],"sentiment":"neutral","sentiment_score":-0.07342493534088135,"channel":0,"num_words":1,"start":60.41,"end":60.91},{"sentences":[{"text":"Yeah.","start":60.59,"end":61.09,"sentiment":"neutral","sentiment_score":-0.12116964161396028},{"text":"I I don't","start":61.23,"end":61.949997,"sentiment":"neutral","sentiment_score":-0.24742221335570017}],"sentiment":"neutral","sentiment_score":-0.2158590704202652,"channel":1,"num_words":4,"start":60.59,"end":61.949997},{"sentences":[{"text":"Almost","start":62.409996,"end":62.909996,"sentiment":"neutral","sentiment_score":-0.2587537467479706}],"sentiment":"neutral","sentiment_score":-0.2587537467479706,"channel":0,"num_words":1,"start":62.409996,"end":62.909996},{"sentences":[{"text":"there's there's no such thing as quite okay.","start":62.43,"end":65.71,"sentiment":"negative","sentiment_score":-0.34218668565154076},{"text":"It's just no such thing, unfortunately.","start":65.71,"end":68.29,"sentiment":"neutral","sentiment_score":-0.33011408150196075}],"sentiment":"negative","sentiment_score":-0.3370127124445779,"channel":1,"num_words":14,"start":62.43,"end":68.29},{"sentences":[{"text":"yeah.","start":69.13,"end":69.53,"sentiment":"neutral","sentiment_score":-0.09450976550579072},{"text":"No.","start":69.53,"end":69.93,"sentiment":"neutral","sentiment_score":-0.18361935019493103},{"text":"I I feel you.","start":69.93,"end":71.229996,"sentiment":"neutral","sentiment_score":-0.1275283843278885},{"text":"Almost finished for the day, though.","start":72.295,"end":73.815,"sentiment":"neutral","sentiment_score":-0.06558579082290332},{"text":"Would you have much more to go?","start":73.815,"end":75.275,"sentiment":"neutral","sentiment_score":-0.072935481688806}],"sentiment":"neutral","sentiment_score":-0.08906872472480724,"channel":0,"num_words":19,"start":69.13,"end":75.275},{"sentences":[{"text":"No.","start":75.505,"end":75.744995,"sentiment":"neutral","sentiment_score":-0.14055676758289337},{"text":"No.","start":75.744995,"end":75.905,"sentiment":"neutral","sentiment_score":-0.12680089473724365},{"text":"No.","start":75.905,"end":75.98499,"sentiment":"neutral","sentiment_score":-0.13355162739753723},{"text":"I finished at five, which was","start":75.98499,"end":78.16499,"sentiment":"neutral","sentiment_score":-0.09932773187756538}],"sentiment":"neutral","sentiment_score":-0.11076396455367406,"channel":1,"num_words":9,"start":75.505,"end":78.16499},{"sentences":[{"text":"Oh, sorry.","start":77.735,"end":78.395004,"sentiment":"neutral","sentiment_score":-0.10364985093474388}],"sentiment":"neutral","sentiment_score":-0.10364985093474388,"channel":0,"num_words":2,"start":77.735,"end":78.395004},{"sentences":[{"text":"an hour hour ago.","start":78.30499,"end":79.34499,"sentiment":"neutral","sentiment_score":-0.07714436575770378},{"text":"So six.","start":79.34499,"end":80.085,"sentiment":"neutral","sentiment_score":-0.05479559302330017},{"text":"Yep.","start":80.545,"end":80.865,"sentiment":"neutral","sentiment_score":-0.008087866939604282}],"sentiment":"neutral","sentiment_score":-0.06089378800243139,"channel":1,"num_words":7,"start":78.30499,"end":80.865},{"sentences":[{"text":"Yeah.","start":80.615,"end":81.115,"sentiment":"neutral","sentiment_score":-0.009683200158178806}],"sentiment":"neutral","sentiment_score":-0.009683200158178806,"channel":0,"num_words":1,"start":80.615,"end":81.115},{"sentences":[{"text":"I've been finished for one hour because you guys are, what, one hour","start":80.865,"end":84.325,"sentiment":"neutral","sentiment_score":-0.038571205706550524}],"sentiment":"neutral","sentiment_score":-0.038571205706550524,"channel":1,"num_words":13,"start":80.865,"end":84.325},{"sentences":[{"text":"Yeah.","start":83.94,"end":84.44,"sentiment":"neutral","sentiment_score":-0.025663211941719055}],"sentiment":"neutral","sentiment_score":-0.025663211941719055,"channel":0,"num_words":1,"start":83.94,"end":84.44},{"sentences":[{"text":"ahead","start":85.265,"end":85.765,"sentiment":"neutral","sentiment_score":-0.015995757654309273}],"sentiment":"neutral","sentiment_score":-0.015995757654309273,"channel":1,"num_words":1,"start":85.265,"end":85.765},{"sentences":[{"text":"So 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reminder","start":1519.6849,"end":1522.005,"sentiment":"neutral","sentiment_score":0.05965949305229717}],"sentiment":"neutral","sentiment_score":0.05965949305229717,"channel":0,"num_words":9,"start":1519.6849,"end":1522.005},{"sentences":[{"text":"You","start":1521.7849,"end":1522.2849,"sentiment":"neutral","sentiment_score":0.023428451269865036}],"sentiment":"neutral","sentiment_score":0.023428451269865036,"channel":1,"num_words":1,"start":1521.7849,"end":1522.2849},{"sentences":[{"text":"for the team to reach out a bit earlier,","start":1522.005,"end":1524.4,"sentiment":"neutral","sentiment_score":0.08136670291423798}],"sentiment":"neutral","sentiment_score":0.08136670291423798,"channel":0,"num_words":9,"start":1522.005,"end":1524.4},{"sentences":[{"text":"know?","start":1523.9249,"end":1524.4249,"sentiment":"neutral","sentiment_score":0.05829927325248718}],"sentiment":"neutral","sentiment_score":0.05829927325248718,"channel":1,"num_words":1,"start":1523.9249,"end":1524.4249},{"sentences":[{"text":"or what are you thinking?","start":1525.02,"end":1526.32,"sentiment":"neutral","sentiment_score":0.06275023892521858}],"sentiment":"neutral","sentiment_score":0.06275023892521858,"channel":0,"num_words":5,"start":1525.02,"end":1526.32},{"sentences":[{"text":"Yeah.","start":1526.065,"end":1526.565,"sentiment":"neutral","sentiment_score":0.05972570180892944},{"text":"The 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better.","start":1527.2649,"end":1527.84,"sentiment":"neutral","sentiment_score":0.1090606227517128},{"text":"Yep.","start":1528.1599,"end":1528.24,"sentiment":"neutral","sentiment_score":0.1414540708065033}],"sentiment":"neutral","sentiment_score":0.1198584387699763,"channel":1,"num_words":3,"start":1527.2649,"end":1528.24},{"sentences":[{"text":"Okay.","start":1528.22,"end":1528.72,"sentiment":"neutral","sentiment_score":0.14969231188297272}],"sentiment":"neutral","sentiment_score":0.14969231188297272,"channel":0,"num_words":1,"start":1528.22,"end":1528.72},{"sentences":[{"text":"I 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later?","start":1531.02,"end":1534.5599,"sentiment":"neutral","sentiment_score":0.061130229722369804}],"sentiment":"neutral","sentiment_score":0.061130229722369804,"channel":0,"num_words":11,"start":1531.02,"end":1534.5599},{"sentences":[{"text":"Yeah.","start":1537.36,"end":1537.76,"sentiment":"neutral","sentiment_score":0.06756699085235596},{"text":"Around about June.","start":1537.76,"end":1538.82,"sentiment":"neutral","sentiment_score":0.061216718206803},{"text":"I reckon it'll","start":1538.88,"end":1539.36,"sentiment":"neutral","sentiment_score":0.11484874536593755}],"sentiment":"neutral","sentiment_score":0.08510905451008252,"channel":1,"num_words":7,"start":1537.36,"end":1539.36},{"sentences":[{"text":"Yes?","start":1539.225,"end":1539.705,"sentiment":"neutral","sentiment_score":0.17109999060630798}],"sentiment":"neutral","sentiment_score":0.17109999060630798,"channel":0,"num_words":1,"start":1539.225,"end":1539.705},{"sentences":[{"text":"be a good","start":1539.36,"end":1539.84,"sentiment":"neutral","sentiment_score":0.22148611644903818}],"sentiment":"neutral","sentiment_score":0.22148611644903818,"channel":1,"num_words":3,"start":1539.36,"end":1539.84},{"sentences":[{"text":"Okay.","start":1539.705,"end":1540.205,"sentiment":"neutral","sentiment_score":0.1739029884338379}],"sentiment":"neutral","sentiment_score":0.1739029884338379,"channel":0,"num_words":1,"start":1539.705,"end":1540.205},{"sentences":[{"text":"time.","start":1539.84,"end":1540.32,"sentiment":"neutral","sentiment_score":0.1265387237071991},{"text":"Yeah.","start":1540.32,"end":1540.72,"sentiment":"neutral","sentiment_score":0.04437686502933502},{"text":"Even the start of June ish would be good.","start":1540.72,"end":1543.0599,"sentiment":"neutral","sentiment_score":0.16549096670415667}],"sentiment":"neutral","sentiment_score":0.15093948082490402,"channel":1,"num_words":11,"start":1539.84,"end":1543.0599},{"sentences":[{"text":"Yes.","start":1542.9049,"end":1543.4049,"sentiment":"positive","sentiment_score":0.37490618228912354},{"text":"Alright.","start":1543.5449,"end":1543.945,"sentiment":"neutral","sentiment_score":0.31210917234420776},{"text":"Well, I'll make a little note to the team to reach out to you June, see how you're going.","start":1543.945,"end":1549.705,"sentiment":"neutral","sentiment_score":0.3080624836055856},{"text":"And if you do wanna book in for the annual review, then we can kind of go through everything there.","start":1549.705,"end":1554.7001,"sentiment":"neutral","sentiment_score":0.2753684036433697},{"text":"And then we can run the numbers as well just to see how much space you have, if you wanted to make a difference of contributions around that time anyway.","start":1555.24,"end":1563.26,"sentiment":"neutral","sentiment_score":0.19231390754381816}],"sentiment":"neutral","sentiment_score":0.25094349073692107,"channel":0,"num_words":71,"start":1542.9049,"end":1563.26},{"sentences":[{"text":"Perfect.","start":1563.9501,"end":1564.43,"sentiment":"positive","sentiment_score":0.7583653926849365},{"text":"Sounds good.","start":1564.43,"end":1565.17,"sentiment":"positive","sentiment_score":0.7818099856376648}],"sentiment":"positive","sentiment_score":0.7739951213200887,"channel":1,"num_words":3,"start":1563.9501,"end":1565.17},{"sentences":[{"text":"Yeah.","start":1565.0,"end":1565.445,"sentiment":"positive","sentiment_score":0.5951080322265625},{"text":"Perfect.","start":1565.9249,"end":1566.4249,"sentiment":"positive","sentiment_score":0.6692899465560913},{"text":"Well, if you don't have any other questions, Derek, I will let you go and enjoy your afternoon.","start":1566.965,"end":1571.865,"sentiment":"positive","sentiment_score":0.46586212598615223},{"text":"Keep a lookout for that email with the contribution details.","start":1573.125,"end":1576.2649,"sentiment":"neutral","sentiment_score":0.27591499835252764},{"text":"Otherwise, I will get the team to reach out that June.","start":1576.325,"end":1580.1849,"sentiment":"neutral","sentiment_score":0.22609174928881906}],"sentiment":"positive","sentiment_score":0.3633189139569678,"channel":0,"num_words":41,"start":1565.0,"end":1580.1849},{"sentences":[{"text":"Excellent.","start":1581.065,"end":1581.565,"sentiment":"positive","sentiment_score":0.8065082430839539},{"text":"Thank you very much.","start":1581.785,"end":1582.845,"sentiment":"positive","sentiment_score":0.8385419100522995}],"sentiment":"positive","sentiment_score":0.8321351766586303,"channel":1,"num_words":5,"start":1581.065,"end":1582.845},{"sentences":[{"text":"No problem at all.","start":1583.18,"end":1583.9,"sentiment":"positive","sentiment_score":0.7176200151443481},{"text":"I look forward to speaking with you soon again.","start":1583.9,"end":1585.76,"sentiment":"positive","sentiment_score":0.7899134755134583}],"sentiment":"positive","sentiment_score":0.7676693338614243,"channel":0,"num_words":13,"start":1583.18,"end":1585.76},{"sentences":[{"text":"Yeah.","start":1586.265,"end":1586.665,"sentiment":"positive","sentiment_score":0.38603395223617554},{"text":"Me too.","start":1586.665,"end":1587.145,"sentiment":"positive","sentiment_score":0.4451690912246704},{"text":"Thanks very much.","start":1587.145,"end":1588.205,"sentiment":"positive","sentiment_score":0.7467208107312521}],"sentiment":"positive","sentiment_score":0.5860890944798788,"channel":1,"num_words":6,"start":1586.265,"end":1588.205},{"sentences":[{"text":"Thank you.","start":1588.54,"end":1589.3401,"sentiment":"positive","sentiment_score":0.6752144396305084},{"text":"Bye.","start":1589.3401,"end":1589.8401,"sentiment":"positive","sentiment_score":0.41144007444381714}],"sentiment":"positive","sentiment_score":0.5872896512349447,"channel":0,"num_words":3,"start":1588.54,"end":1589.8401},{"sentences":[{"text":"See you, everyone.","start":1590.0968,"end":1590.7368,"sentiment":"positive","sentiment_score":0.45259647568066913},{"text":"Okay.","start":1590.7368,"end":1590.9768,"sentiment":"neutral","sentiment_score":0.218753919005394},{"text":"Bye.","start":1590.9768,"end":1591.4768,"sentiment":"neutral","sentiment_score":-0.10405316948890686}],"sentiment":"neutral","sentiment_score":0.29449803531169894,"channel":1,"num_words":5,"start":1590.0968,"end":1591.4768}]},"summary":{"result":"success","short":"Representatives from OC Financial speak with customers about potential contributions to their superann Britain plans. The pay increases depend on negotiations and the availability of voluntary contributions. The importance of maintaining a balance and using the super fund for retirement is emphasized. The conversation also covers updating investment projections and scheduling annual reviews. The speakers offer to set reminders and provide information on making changes to investments."},"intents":{"segments":[{"text":"I think from the note here is, like, you spoke to your accountant and he kind of suggested as well for you to make a little bit of extra extra contributions into superannuation potentially to reduce your taxable income. Yeah.","start_word":288,"end_word":327,"intents":[{"intent":"Request additional contributions","confidence_score":0.1086339},{"intent":"Request extra contributions","confidence_score":0.010761973}]},{"text":"Now I know that you have salary sacrificed already as well, and your income's still around 105,000? Yep.","start_word":400,"end_word":417,"intents":[{"intent":"Compare salary sacrifices and income","confidence_score":0.00037497416}]},{"text":"We're going through that at the moment where to try and get a pay rise, but, no. I don't think I've got ex access to anything else. Okay. And do you obviously, if you're going through that at the moment, you might not know. But do you know kind of a rough idea of the pay that can be expected? Because that will bump up your contributions.","start_word":462,"end_word":528,"intents":[{"intent":"Discuss pay rise and pay rise expectations","confidence_score":0.0015075875}]},{"text":"and then we'll get hopefully back paid as well. They said we'll get back paid and Yep.","start_word":630,"end_word":646,"intents":[{"intent":"Get back paid","confidence_score":0.016669264}]},{"text":"will all depends with the negotiations and how much they accept, I suppose. Yeah.","start_word":670,"end_word":683,"intents":[{"intent":"Understand negotiations and compensation","confidence_score":0.0060400204}]},{"text":"But, yeah, I can I can earn extra Yep. money if I want?","start_word":793,"end_word":805,"intents":[{"intent":"Earn extra cash and overtime","confidence_score":0.018377839}]},{"text":"So the only reason I do ask is to make a notice of intent, which is where let's say if you want to make a couple of ad hoc contributions into super, so that would obviously be from your after tax income, like, from your bank account. So Alright.","start_word":847,"end_word":895,"intents":[{"intent":"Make notice of contributions and change to posttax deduction","confidence_score":0.0000016811474}]},{"text":"And just let us know if you do it because then especially before the end of the financial year, so a couple of weeks before the end of financial year, just to make sure there's enough time for it to clear, we can Right.","start_word":1181,"end_word":1224,"intents":[{"intent":"Notify the meeting","confidence_score":4.0178244e-7}]},{"text":"I put a contribution of $3,000. Can you can you claim the notice of intent on the whole amount? Then we can do that for you. Okay.","start_word":1321,"end_word":1347,"intents":[{"intent":"Call notice of deduction","confidence_score":0.000022066584}]},{"text":"Obviously, something to be mindful of with if you do make the contributions into super regardless of which way you do it, is that it is locked into your meter condition of release.","start_word":1662,"end_word":1694,"intents":[{"intent":"Make contributions","confidence_score":0.73957276}]},{"text":"But can't you use your super to invest in property?","start_word":1809,"end_word":1818,"intents":[{"intent":"Make investments","confidence_score":0.22155039}]},{"text":"But can't you use your super to invest in property? You can use it as an investment. Yes.","start_word":1809,"end_word":1826,"intents":[{"intent":"Use super as investment","confidence_score":0.24420905}]},{"text":"I do wanna explore this further. You can always let us know as well because we do we are holistic funds, so we do settlement super funds and stuff like that as well, you know, where it is appropriate.","start_word":2661,"end_word":2699,"intents":[{"intent":"Explore super fund options","confidence_score":0.014459423}]},{"text":"But, you know, like I said, if anything does change, you know, down the track and you you want to, you know, explore things, you can always let us know.","start_word":2800,"end_word":2829,"intents":[{"intent":"Discuss investment changes","confidence_score":0.018858625}]},{"text":"We also have your annual review coming up. It's not until about October as well where we can kind of go through everything in a bit more detail with you and see if you wanna make any other, you know, changes.","start_word":2830,"end_word":2870,"intents":[{"intent":"Offer review","confidence_score":0.0017854358}]},{"text":"The March 13, We sent an email in regards to just one of the investments which is we made to the portfolio.","start_word":2905,"end_word":2926,"intents":[{"intent":"Discuss investments","confidence_score":0.102712475},{"intent":"Discuss investments","confidence_score":0.20237476}]},{"text":"So go and have a little little read over that if you have a moment.","start_word":3027,"end_word":3041,"intents":[{"intent":"Have a moment","confidence_score":0.0010026245}]},{"text":"And there was an attachment. I think I did look at it, but I I didn't Yes. think I had to do anything. No worries. You didn't. Just just for your reference. Confirm happening. I see here it changed. Yep.","start_word":3099,"end_word":3138,"intents":[{"intent":"Confirm date of attachment","confidence_score":0.0037964846}]},{"text":"Would you like the team to send you an email with the contributions detail if you do decide to make ad hoc contributions after tax? Or what are your thought at the moment? Yeah.","start_word":3150,"end_word":3183,"intents":[{"intent":"Ask for guidance on submitting contributions","confidence_score":0.00019208842},{"intent":"Clarify plan to send email","confidence_score":0.00017548149}]},{"text":"I'll probably just put one payment in, Mhmm. I don't know, probably a couple of grand. I'll see how much money I've got. And Yep. that will probably be all I'll do. Just probably put in Yeah. one or maybe two payments of a couple of grand, $3. I Yep.","start_word":3228,"end_word":3277,"intents":[{"intent":"Provide advice on making payments","confidence_score":0.000042486525}]},{"text":"Would you like the team to send you the an email with your details on how to make those contributions, or do you wanna give us a call when you're ready to do it? Or what's easiest Yeah.","start_word":3395,"end_word":3432,"intents":[{"intent":"Request email","confidence_score":0.15794298},{"intent":"Discuss payment options","confidence_score":0.0007223291}]},{"text":"We can do that. That way you have the information there. And then when you have done, we can even just respond to that email. I'll make sure they cc me in as well, Yep. and Perfect. then we can make that notice of intent for you.","start_word":3451,"end_word":3497,"intents":[{"intent":"Make note","confidence_score":0.22670412}]},{"text":"But, yeah, I wanna especially at my age, I wanna try Yeah. and increase as much as I can. Just maximize. Yeah.","start_word":3722,"end_word":3743,"intents":[{"intent":"Check retirement age","confidence_score":0.027280437},{"intent":"Compare retirement age","confidence_score":0.06977882}]},{"text":"Just maximize. Yeah.","start_word":3740,"end_word":3742,"intents":[{"intent":"Maximize contributions","confidence_score":0.743491}]},{"text":"an updated SOA even where we do a bit more updated projections and stuff just to kind of see, well, how are things tracking by doing the contributions you were doing, you know, where where is everything at. Yeah.","start_word":3756,"end_word":3794,"intents":[{"intent":"Track contributions","confidence_score":0.92791504}]},{"text":"They do kind of, let's see here, industry averages in Australia, different super balances and different age brackets.","start_word":3941,"end_word":3958,"intents":[{"intent":"Provide industry averages","confidence_score":0.0045514274}]},{"text":"Now do you want me to set a reminder You for the team to reach out a bit earlier, know? or what are you thinking? Yeah.","start_word":4322,"end_word":4347,"intents":[{"intent":"Set reminder for reach out earlier","confidence_score":0.00135546}]}]},"sentiments":{"segments":[{"text":"Hello. Derek speaking.","start_word":0,"end_word":2,"sentiment":"neutral","sentiment_score":0.0670357346534729},{"text":"Good afternoon, Derek.","start_word":3,"end_word":5,"sentiment":"positive","sentiment_score":0.4269023835659027},{"text":"This is Veronica from OC Financial. How are you?","start_word":6,"end_word":14,"sentiment":"neutral","sentiment_score":0.2964121103286743},{"text":"I'm good. Thanks for working. Yourself? Yeah. I'm good. Thanks.","start_word":15,"end_word":24,"sentiment":"positive","sentiment_score":0.596254825592041},{"text":"I had you booked in Yeah. for a little bit of a catch up. Is now still a good time? Yep. Yeah.","start_word":25,"end_word":46,"sentiment":"neutral","sentiment_score":0.20243191719055176},{"text":"Perfect. Now just before I do go any further, just like usual, just confirming that you're happy for this call to be recorded for training and coaching purposes.","start_word":47,"end_word":74,"sentiment":"positive","sentiment_score":0.36894339323043823},{"text":"Yep. Yep.","start_word":75,"end_word":76,"sentiment":"neutral","sentiment_score":0.13325856626033783},{"text":"Perfect.","start_word":77,"end_word":77,"sentiment":"positive","sentiment_score":0.35806411504745483},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Yep. Full name, Derek Andrew Such. Date of birth, 10/06/1973. Address, 13 Claremont Street, Albion, Victoria. Yep.","start_word":78,"end_word":120,"sentiment":"neutral","sentiment_score":0.07053899765014648},{"text":"Perfect. That's exactly what I have here.","start_word":121,"end_word":127,"sentiment":"positive","sentiment_score":0.5251197218894958},{"text":"And how's your day been so far? Been busy? It's always busy. Yeah. Yeah. I I don't Almost there's there's no such thing as quite okay. It's just no such thing, unfortunately. yeah. No. I I feel you. Almost finished for the day, though. Would you have much more to go? No. No. No. I finished at five, which was Oh, sorry. an hour hour ago. So six. Yep. Yeah. I've been finished for one hour because you guys are, what, one hour Yeah. ahead So it's or yeah. behind. So it's So yes. It's 05:00 here in Queensland. okay. Yeah. Now I had you booked in to talk a little bit about you potentially wanting to make some extra contributions into superannuation. Yep. Yeah. Yeah. Just a couple of one off payments or something, weren't they? I think or just a couple of extra payments. Yeah. I think that was what you were kind of looking at doing. I think from the note here is, like, you spoke to your accountant and he kind of suggested as well for you to make a little bit of extra extra contributions into superannuation potentially to reduce your taxable income. Yeah. And he told me to request either from the super company or whoever it is just before the financial year. I can't Yep. remember the exact terminology, but you request something like to get Yeah. it back or Notice something of like intent. that. Yeah. Notice So of intents. Yeah. Okay. yes. That's it. So there are different ways, obviously, you can do it and depending on how you want to do it. Now I know that you have salary sacrificed already as well, and your income's still around 105,000? Yep. Around that. Yep.","start_word":128,"end_word":420,"sentiment":"neutral","sentiment_score":-0.028830630119902688},{"text":"Perfect.","start_word":421,"end_word":421,"sentiment":"positive","sentiment_score":0.5244142413139343},{"text":"And your employer still just pays you that standard 12% contribution? Yeah. I think so. Yep. Yes. Like, you don't have a special enterprise bargain agreement that gives you access to additional super or anything No. like that? No. No. We're going through that at the moment where to try and get a pay rise, but, no. I don't think I've got ex access to anything else. Okay. And do you obviously, if you're going through that at the moment, you might not know. But do you know kind of a rough idea of the pay that can be expected? Because that will bump up your contributions. Well, we we've just been given the CEO gave everyone, I think, 2.5% pay rise. Okay. Yep. Perfect. But that would have been I don't know when that started. That would have been probably after the last financial year. That was that was just until they're still doing the enterprise bargaining. It's going yeah.","start_word":422,"end_word":582,"sentiment":"neutral","sentiment_score":-0.10850957036018372},{"text":"It's quite complicated. The unions are involved, Mhmm. and they're not happy with it.","start_word":583,"end_word":596,"sentiment":"negative","sentiment_score":-0.4898029863834381},{"text":"And then it's going back to the Right. the CEO and then they're discussing what so I I don't know eventually what we're gonna get extra. Hopefully, it's more than 2.5% No.","start_word":597,"end_word":628,"sentiment":"neutral","sentiment_score":-0.25751352310180664},{"text":"and then we'll get hopefully back paid as well.","start_word":629,"end_word":637,"sentiment":"positive","sentiment_score":0.35534462332725525},{"text":"They said we'll get back paid and Yep. Oh, But that's yeah. No. nice. Yeah. We're looking it's happened before, but I don't know how much we're gonna get. It's it Okay. will all depends with the negotiations and how much they accept, I suppose. Yeah. And do you get any, like, bonuses and stuff like that or commissions, or is it just kind of based pay? No. So we do so my normal salary I've got my normal salary. And then every year, because I've been there, I think it's the seventh year, you get a bonus thousand dollars. Okay. Yep. But that that would have already been when I get my tax return, it's already included in there. And then we can Yep. also do overtime depending on, you know, if we wanna do we have events and things where we work on the weekends. Mhmm. So, yeah, that that all depends. Okay. But, yeah, I can I can earn extra Yep. money if I want? And do you know if you get a bonus and overtime, if you get paid through the contributions on that. I'm pretty sure I would. Yep. Most of the time bonuses, people do get contributions. Overtime, not always. Okay. Some does. So the only reason I do ask is to make a notice of intent, which is where let's say if you want to make a couple of ad hoc contributions into super, so that would obviously be from your after tax income, like, from your bank account. So Alright. if you make a couple of contributions that way, the way that it goes into superannuation initially is what we call your non concessional contributions, which is after tax. Now doing before the end of financial, you get that notice of intent changes them through pretax contribution, which is where you do get that little tax back, which is probably what your kind of accountant was talking to you about, which is a great way. The only thing is that there are cap spaces to be mindful of. So the Okay. concessional, which is the pretax contribution, which is where your employer contributions and your salary sacrifice counts to it, at the moment, it's 30,000. So if your income is around 105 and we don't factor in any bonus or overtime, your standard salary sacrifice that you were doing at the moment, that takes at the moment, that's for about 15,223 out of the 30,000.","start_word":638,"end_word":1050,"sentiment":"neutral","sentiment_score":0.12179632571505576},{"text":"So you do still have plenty of space if you wanted to make a bit of extra contributions and get the tax back.","start_word":1051,"end_word":1073,"sentiment":"positive","sentiment_score":0.3677699863910675},{"text":"Mhmm. Do you have any amount of what you were thinking? Because if it's more than, obviously, 15 or closer to that, then I would just No.","start_word":1074,"end_word":1100,"sentiment":"neutral","sentiment_score":-0.08406039327383041},{"text":"be wary.","start_word":1101,"end_word":1102,"sentiment":"negative","sentiment_score":-0.4738255441188812},{"text":"Okay. Would That's it good. it wouldn't be anything near I mean, I I'm probably struggling even to have a couple of grand, but it'll probably just be yeah. I I I don't know. Maybe maximum $5, but Okay. Yeah. I don't know. From It the wouldn't it wouldn't be a lot, from the I think. from the space, you do have you do have capacity to do that. So if you wanted to do 5,000, you can. And just let us know if you do it because then especially before the end of the financial year, so a couple of weeks before the end of financial year, just to make sure there's enough time for it to clear, we can Right. do that notice of intent for you.","start_word":1103,"end_word":1231,"sentiment":"neutral","sentiment_score":0.004723682999610901},{"text":"So we can launch that straight away with your super fund and get that sorted. And then we just give you the document and you would just literally give that to your account. So it's pretty straightforward from from that point of view.","start_word":1232,"end_word":1274,"sentiment":"positive","sentiment_score":0.3647368550300598},{"text":"Okay. So I'll just let you know, say I put in one payment of 3,000 Mhmm. into my super. I'll just let you know that I've put in $3,000. Yep. Yep. You can just Because send me an yeah. email or call and say, hey. I put a contribution of $3,000. Can you can you claim the notice of intent on the whole amount? Then we can do that for you. Okay. What happens with because I pay extra voluntary anyway, not much, probably an extra couple of percent. You can't claim that back, can you? Volunteers, you do it after tax as well as salary sacrifice? Yeah. So I pay every I don't know. I think it's only an extra couple of percent that I've always paid into my super fund on top of my normal Mhmm. 12%. Yes. So Yes. it's it it probably adds up to a couple of grand a year. That, you can't claim back as well or not? No. Because the way that it's at the moment so because it's salary sacrifice, so I can see it in your account at the moment. It's about a $103.43 a fortnight. Okay. Does that sound about right? Yeah. That probably sounds about Yeah. right. Yep. Now because that comes out of your salary before tax, it's already claimed that. So you can only do Okay. the tax back on after tax contribution because you've already paid the tax on it. Does Gotcha. that make sense? Yeah. On after Yeah. tax. Okay. So it's basically you can only claim if you like, say, from your bank account, you decide to do extra contributions yourself or if your Right. employer, for some reason, have it set up that they take it after tax, which typically you wouldn't do, you would do it pretax because at the end of the day, it means that when you're doing the salary sacrifice, you get a pretax straight away versus if you do it after tax, it means that you have less money. And then at the end of the financial year, you might get a little bit of a lump sum, but most people will prefer throughout the year to get that kind of steady income, if that makes sense. Yep. Okay. Gotcha. Yep. Yep. Makes sense. Obviously, something to be mindful of with if you do make the contributions into super regardless of which way you do it, is that it is locked into your meter condition of release. And especially if it is that you said that it's a little bit, you know, unsure with cash flow and a lot of people nowadays with, you know, increasing mortgage or rent and living expenses and everything, people are struggling a little bit more. So if you do wanna make extra contribution through superannuation, it will be locked in until you meet a condition of release, which often is turning 60, stop working, 65, keep working, or if you suffer, like, financial hardship or something like that. So that is something to be mindful of. But if you do make those contributions, you can't just take it out later Yep. if you need it. Yeah. But can't you use your super to invest in property? You can use it as an investment. Yes. The only way you can do that though is through a self managed super fund. So yeah.","start_word":1275,"end_word":1843,"sentiment":"neutral","sentiment_score":0.032115095332657724},{"text":"So you definitely can.","start_word":1844,"end_word":1847,"sentiment":"positive","sentiment_score":0.35276201367378235},{"text":"And with yeah. It would be through a self managed super fund. Have you heard much about self managed super funds before? No. But I just know one of my proprietors. She owns a nail salon. She's a financial adviser, and she was telling me you know, we just had a conversation. She Yep. goes, Yeah. oh, many people don't many people don't realize that she she set up so many people that have been and even herself, she's got all these properties that are all managed through through Super because it's one of the reasons you can use your Super Balance to invest Mhmm. in in real estate or something. She said she's got some properties. I never Yeah. heard of it, but okay. Yeah. And you definitely can do it through a self managed super fund.","start_word":1848,"end_word":1985,"sentiment":"neutral","sentiment_score":0.048408787697553635},{"text":"And a lot of the time, we see clients so we can definitely do self managed super funds. It is great for some clients.","start_word":1986,"end_word":2009,"sentiment":"positive","sentiment_score":0.3800144493579865},{"text":"It's definitely not for everybody. Typically, we've seen more shutdown than opened up, and that's mainly due to all the running costs and stuff with it.","start_word":2010,"end_word":2035,"sentiment":"negative","sentiment_score":-0.35934140705145323},{"text":"Selfman Okay.","start_word":2036,"end_word":2037,"sentiment":"neutral","sentiment_score":0.13114772737026217},{"text":"Superfund is great if you have a lot of financial knowledge. So if that's obviously her occupation, fantastic because how it is is that you are basically self managing it. So you have all the liability compliance, auditing, that is what you are responsible for.","start_word":2038,"end_word":2082,"sentiment":"positive","sentiment_score":0.45778194069862366},{"text":"Whereas, like, with Netwealth, which is what you have your super with, they are then responsible to make sure everything's compliant. Yep. You, Okay. as the owner of the self managed super fund, would do that. A lot of also, we see it where it is businesses because you can have it through a property. So you have to have it on Armpelings because it is the purpose of retirement. So you can't have it for yourself, like a holiday house or or anything that you live in. So it's obviously from the investment purposes, but you can have it from, like, renting through a company and stuff like that.","start_word":2083,"end_word":2192,"sentiment":"neutral","sentiment_score":0.24793574213981628},{"text":"So that's how you often see a business owners and stuff having Salesman at Superfund and renting it out to a business as long as it's fair market value. You see it that way. And if that's kind of if she runs a nail salon and she has a an office space, that is a very good way of doing it if you have enough money in superannuation as well.","start_word":2193,"end_word":2262,"sentiment":"positive","sentiment_score":0.3532004654407501},{"text":"Yeah. And God, there's so so many things to to know, isn't there? and there there is. Gosh. And with the Salesman Superfund as well, because, like, aside from, obviously, all the the legislation and stuff that you have to be responsible for, They come also that you have to do, like, a yearly order for a a tax account and stuff like that to do it, and there are a lot more costs. So typically, asset says that to make it affordable from a tap like, for a different cost point of view, there's just no less than 250,000 in super because it costs a lot more to run.","start_word":2263,"end_word":2372,"sentiment":"neutral","sentiment_score":0.07764092480594462},{"text":"Now the more money you have, it can make it then more cost effective.","start_word":2373,"end_word":2386,"sentiment":"positive","sentiment_score":0.45481187105178833},{"text":"But even some industry expert experts says that you need you should have closer to around the 500,000 to make it affordable. Sometimes you see, like, couples joining superannuations if you have, like, a higher balance and doing a self managed super fund. And and part of the self managed super fund is, like, you might have one property or a couple of properties, but you might not want everything into the one thing. Because that's also sometimes the issue to see is that if you have everything locked into a property, something happens and you need access to some money, it's all locked into the property. Right? So sometimes people have a property all through, and then you also have a a share portfolio. So similar to what you have in Netwealth, they have on the side as well to kind of diversify things for you. But, obviously, you kind of obviously need a a bigger balance in order to sustain that. Okay. So, yes, it can get quite quite complex, so there's Yeah. a lot Maybe there's that's not a lot what I you want. can do.","start_word":2387,"end_word":2575,"sentiment":"neutral","sentiment_score":0.04542150720953941},{"text":"I don't think I think you've just put you've probably just put me off it.","start_word":2576,"end_word":2590,"sentiment":"negative","sentiment_score":-0.36195558309555054},{"text":"But, you know, if it's something that changes down the track and especially as you see the balance grows as well, I think from a fee point of view and, you know, the goals and everything right now, what you are doing, I think, is is a good way to boost the super balance. But if it is something, you know, down the track that you are like, okay. No. I do wanna explore this further. You can always let us know as well because we do we are holistic funds, so we do settlement super funds and stuff like that as well, you know, where it is appropriate.","start_word":2591,"end_word":2699,"sentiment":"neutral","sentiment_score":0.1152118444442749},{"text":"A lot of the time, it's one of those things as well where people hear about it and think it's a fantastic idea until they then kind of find out a little bit more in regards to it.","start_word":2700,"end_word":2737,"sentiment":"positive","sentiment_score":0.4094109833240509},{"text":"And then they're like, oh, yeah.","start_word":2738,"end_word":2743,"sentiment":"neutral","sentiment_score":-0.024092761799693108},{"text":"No.","start_word":2744,"end_word":2744,"sentiment":"negative","sentiment_score":-0.44143903255462646},{"text":"That's a bit too much or, you know, I don't wanna have all that responsibility and stuff like that if something were to happen and all the costs around it as well. Mhmm. Okay. Maybe I'll just stick to having my normal super. Might be easier if someone else can do it for me. Exactly. But, you know, like I said, if anything does change, you know, down the track and you you want to, you know, explore things, you can always let us know. We also have your annual review coming up. It's not until about October as well where we can kind of go through everything in a bit more detail with you and see if you wanna make any other, you know, changes. You would have seen as well that we send out an ROI swapping one of the investments. Did you see that No. What was email? it? Sorry? No? So on let me see here. The March 13, We sent an email in regards to just one of the investments which is we made to the portfolio. Oh, maybe I did see that. Yeah. I was just gonna You take didn't a have to action anything. It was just more for your reference just moment. to see that we have, you know, done a lot of research into the different investments and, you know, it's always good.","start_word":2745,"end_word":2976,"sentiment":"neutral","sentiment_score":0.08359558135271072},{"text":"Things are always changing in the world and in the market, and it is good to obviously keep on top of it. And sometimes we do need to make some changes to investments to make sure that everything continues, you know, to grow and put you in the best position.","start_word":2977,"end_word":3026,"sentiment":"positive","sentiment_score":0.3559705317020416},{"text":"So go and have a little little read over that if you have a moment. You don't have to action it or anything. It's just for your reference, basically. Yeah. I think I was it definitely Mhmm. sent on the the sixteenth? Thirteenth. I have here, yeah, that it was sent on the thirteenth. Oh, yeah. Oakview Caden. Yes.","start_word":3027,"end_word":3085,"sentiment":"neutral","sentiment_score":0.134128436951314},{"text":"Caden sent good morning.","start_word":3086,"end_word":3089,"sentiment":"positive","sentiment_score":0.41966113448143005},{"text":"Part of our portfolio management investment Yes. committee. Yeah. And there was an attachment. I think I did look at it, but I I didn't Yes. think I had to do anything. No worries. You didn't. Just just for your reference. Confirm happening. I see here it changed. Yep. Okay. No problem. I'll have a quick look through it. Yeah. Would you like the team to send you an email with the contributions detail if you do decide to make ad hoc contributions after tax? Or what are your thought at the moment? Yeah. So probably I don't know probably what I'm thinking just before the tax, and I won't leave it. I'll probably do it at least a month before, say, maybe at the beginning Yeah. of June because I don't wanna cut myself too short. Yeah. I'll probably just put one payment in, Mhmm. I don't know, probably a couple of grand. I'll see how much money I've got. And Yep. that will probably be all I'll do. Just probably put in Yeah. one or maybe two payments of a couple of grand, $3. I Yep. don't know. Depending on how much money I've got. And and then Yep. I'll let you guys know. But that's probably all I'll do, I'd say, because I Yeah. think Okay. I've got all my other stuff Yes. Oh, that's good. doing Yeah. Just that be thing. So yeah. just be mindful of that 30,000, but you do have plenty of space at the moment. If you don't if it is that you do get a big bonus or a big pay rise, just be mindful. But if you're only looking about, you know, under five or something like that, you do have plenty of space. Yeah. Yeah. We'll be under Yep. five. Yep. Yep.","start_word":3090,"end_word":3392,"sentiment":"neutral","sentiment_score":0.030194124206900597},{"text":"Perfect.","start_word":3393,"end_word":3393,"sentiment":"positive","sentiment_score":0.5146533846855164},{"text":"Would you like the team to send you the an email with your details on how to make those contributions, or do you wanna give us a call when you're ready to do it? Or what's easiest Yeah. for you? No. They could send me an email just Yep. so I know how to do it. Yep.","start_word":3394,"end_word":3450,"sentiment":"neutral","sentiment_score":0.10413729399442671},{"text":"We can do that. That way you have the information there.","start_word":3451,"end_word":3461,"sentiment":"positive","sentiment_score":0.3623194396495819},{"text":"And then when you have done, we can even just respond to that email. I'll make sure they cc me in as well, Yep.","start_word":3462,"end_word":3485,"sentiment":"neutral","sentiment_score":0.2707517445087433},{"text":"and Perfect. then we can make that notice of intent for you.","start_word":3486,"end_word":3497,"sentiment":"positive","sentiment_score":0.39107316732406616},{"text":"Yep. And as long as I do it before I'll probably do it before the before June or around about June beginning of Yeah. No.","start_word":3498,"end_word":3522,"sentiment":"neutral","sentiment_score":0.0864848792552948},{"text":"That's perfect.","start_word":3523,"end_word":3524,"sentiment":"positive","sentiment_score":0.45581427216529846},{"text":"Because sometimes we get people calling me a couple of days before the end of this financial June. year, and they're like, oh, how do Okay. I make contributions now? And it's like, network, you know, super fun sometimes takes a little bit too, so I can't guarantee anything. So, yes, if you do it at, like, June, that's perfect.","start_word":3525,"end_word":3584,"sentiment":"neutral","sentiment_score":0.19938799738883972},{"text":"No problem. Yep. Perfect.","start_word":3585,"end_word":3588,"sentiment":"positive","sentiment_score":0.4589022397994995},{"text":"Now did you have any other questions for me today otherwise? No. I think that's pretty much it. Thanks very No? much. So Yeah. the next review, Mhmm. I'll probably wanna look at if it's possible, is my super fund what you know, how's Mhmm. it going? I know you guys do all of Yeah. that anyway. Just a bit more in-depth. Mhmm. Yeah. Because I looked at some of the fees and I don't know how old they were. I saw one of them was, like, $5,000 and it's like, oh my god. It's looks like there's more money. I know we reduced down all my, you know, last time we spoke, Mhmm. we Mhmm. reduced all all the other contributions of things from a mid Yep. or $7.50 down. Yep.","start_word":3589,"end_word":3720,"sentiment":"neutral","sentiment_score":0.008617347106337547},{"text":"But, yeah, I wanna especially at my age, I wanna try Yeah. and increase as much as I can. Just maximize. Yeah. We can do that, and we can even do a bit of Yeah.","start_word":3721,"end_word":3755,"sentiment":"positive","sentiment_score":0.4263537228107453},{"text":"an updated SOA even where we do a bit more updated projections and stuff just to kind of see, well, how are things tracking by doing the contributions you were doing, you know, where where is everything at. Yeah.","start_word":3756,"end_word":3794,"sentiment":"neutral","sentiment_score":0.27790480852127075},{"text":"And We it can definitely if do it's that.","start_word":3795,"end_word":3803,"sentiment":"positive","sentiment_score":0.469767689704895},{"text":"yeah. If it's working or should I put in some more? Yep. Because my accountant Yeah. yeah. He told me I he said I should be putting in more because he looked at my super and he said, Yeah. Anyway, he he didn't think it was that great. But anyway, that's him. He's Accountants probably got, like, always a few million sitting yep. in his, you know. But you're not doing too bad, honestly. Obviously, it's the it's dependent on your income and and everything like that. But for your age and what you're seeing in the industry average, it's not that bad. Okay. So and you can even just, like, if just for your reference, if you do wanna, you know, keep a bit of an eye on it as well on more MoneySmart, it's called. They do kind of, let's see here, industry averages in Australia, different super balances and different age brackets. Okay. It doesn't mean that that's necessarily what you need to retire on, but it shows you kind of at least the the the average in Australia where people are at. So sometimes it's a good idea to kind of be like, okay. Well, you know, where am I at in relative to people in my age in Australia, at least? Yeah. Oh, that's alright. I don't really I don't need to compare with other people. Okay. Because everyone sort of you know, everyone's different. My friend, he Exactly. works for himself. I don't know. Because if you work for yourself, isn't it up to you to put Correct. your own super in? And some Yes. I'm sure some businesses probably don't put any in Yes. for Very themselves much so. unless they have to. Yes. Yes. And if you are a sole trader, you don't have to. Only if you, you know, are a business where you pay yourself a wage. So yes. Yeah. I'll make a little note, and we can kind of do a bit more in-depth during the under review, which is, yeah, coming up about October. But if it is any point that you do wanna bring it forward, again, just give us a call or send us an email, and we can always do that.","start_word":3804,"end_word":4179,"sentiment":"neutral","sentiment_score":0.10672454623148796},{"text":"Yeah. We can always bring it forward. I'm happy Yeah.","start_word":4180,"end_word":4189,"sentiment":"positive","sentiment_score":0.5577395558357239},{"text":"to you know, whenever you think is a good time. Was the last one in October, was it? Yes. It would have been around Okay. October when it was your annual review. Okay. Yeah. I just wanna make sure that, you know, that's through for Mhmm. the net wealth. Is it It's are all they going. good? Is it Yeah. all going well? Is there a better one Yeah. out there? Yeah. We can I definitely occasionally do that. yeah. I occasionally look in there and see, but I really I think, like, most people probably don't have a look and access it. It's just one of those things that's out of you know, you're just hoping that Yeah. you look at it and there's a few million dollars in Yeah. there. Now do you want me to set a reminder You for the team to reach out a bit earlier, know? or what are you thinking? Yeah. The earlier, Yeah? the better. Yep. Okay. I think Do that you think that'll be around good. around June before you do the contributions or a bit later? Yeah. Around about June. I reckon it'll Yes? be a good Okay. time. Yeah. Even the start of June ish would be good.","start_word":4190,"end_word":4398,"sentiment":"neutral","sentiment_score":0.0706030881148206},{"text":"Yes.","start_word":4399,"end_word":4399,"sentiment":"positive","sentiment_score":0.37490618228912354},{"text":"Alright. Well, I'll make a little note to the team to reach out to you June, see how you're going. And if you do wanna book in for the annual review, then we can kind of go through everything there. And then we can run the numbers as well just to see how much space you have, if you wanted to make a difference of contributions around that time anyway.","start_word":4400,"end_word":4469,"sentiment":"neutral","sentiment_score":0.2576064169406891},{"text":"Perfect. Sounds good. Yeah. Perfect. Well, if you don't have any other questions, Derek, I will let you go and enjoy your afternoon.","start_word":4470,"end_word":4492,"sentiment":"positive","sentiment_score":0.5146206021308899},{"text":"Keep a lookout for that email with the contribution details. Otherwise, I will get the team to reach out that June.","start_word":4493,"end_word":4513,"sentiment":"neutral","sentiment_score":0.251556396484375},{"text":"Excellent. Thank you very much. No problem at all. I look forward to speaking with you soon again. Yeah. Me too. Thanks very much. Thank you. Bye. See you, everyone.","start_word":4514,"end_word":4543,"sentiment":"positive","sentiment_score":0.6644892692565918},{"text":"Okay. Bye.","start_word":4544,"end_word":4545,"sentiment":"neutral","sentiment_score":0.2279895842075348}],"average":{"sentiment":"neutral","sentiment_score":0.0964695354620108}}}}