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Absolutely. Nah. Just live transfer. It's funnier that way. Yeah. Positive, hon. Yeah. I got it. Thanks, hon. Hi, Josh. How are you going? Good. Sorry for the hold. My name is Larissa. Samantha just gave me a quick call just to ask you a couple of questions, and I figured it was gonna be a little bit easier for you to talk with a financial planner and to be able to kind of address it straight up rather than me relay to her and then her to relay to you. So no. No. That's okay. I'm just bringing up your file so I can get a little bit more of a understanding on your financial position just so I can have an open honest conversation. So as I understand, your income currently sits at about a 100,000, 103, 104 in and of that range? You're okay. Should be. Alright. Do you and you're still on track for, like, for this financial year ending in a month for the same amount? Yeah. Okay. No. That's okay. No. The payslips. No. That's okay. So, basically, with so there's money that's landed in your superannuation fund, $6,600 that's been paid as a non concessional contribution, which means you've been taxed at your marginal rate on that money prior to it being pay paid into your super fund. So what what the notice of intent to claim essentially does is it will convert the funds into a concessional contribution, which means that the super fund will pay the superannuation tax rate at 15%. You are then able to go and take what will be provided as a receipt, and that basically becomes a deduction on your income. So the $100,000 that you're you've earned for the year, you're able to claim the tax crack the tax back that you would have paid at your marginal rate. Now your marginal rate would be sitting in the 30% tax tax bracket. So you're able to get that tax back. And it all it is is it's just you paying less tax overall. Cool. And it look. Realistically, it does make sense for you at your at your wage and at your at your income in the $100,000 bracket to claim all of it. You're not gonna hit any of the concessional caps. You're not gonna hit or trigger anything. So it does make sense for it from a tax savings perspective. So currently this year this year, it's 30,000. Next year, it'll roll over to 32,500. And in that, you need to consider whatever your employer pays on your behalf as well because they all add up to concessional contributions. Yeah. So don't go throwing $30 in. Yep. Perfect. No. That's okay. We'll we'll claim the six 66, and we'll go from there. No. No problem. You too, Joshua. 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Yes. Yes. That's, like no. What what's the client's name, by the way?\n\nNo. That's okay. Is he still on the phone now? Do you wanna pop him through to me? Yeah.\n\nI'm happy too. Yeah, baby. Absolutely. Nah. Just live transfer.\n\nIt's funnier that way. Yeah. Positive, hon. Yeah. I got it.\n\nThanks, hon. Hi, Josh. How are you going? Good. Sorry for the hold.\n\nMy name is Larissa. Samantha just gave me a quick call just to ask you a couple of questions, and I figured it was gonna be a little bit easier for you to talk with a financial planner and to be able to kind of address it straight up rather than me relay to her and then her to relay to you. So no. No. That's okay.\n\nI'm just bringing up your file so I can get a little bit more of a understanding on your financial position just so I can have an open honest conversation. So as I understand, your income currently sits at about a 100,000, 103, 104 in and of that range? You're okay. Should be. Alright.\n\nDo you and you're still on track for, like, for this financial year ending in a month for the same amount? Yeah. Okay. No. That's okay.\n\nNo. The payslips. No. That's okay. So, basically, with so there's money that's landed in your superannuation fund, $6,600 that's been paid as a non concessional contribution, which means you've been taxed at your marginal rate on that money prior to it being pay paid into your super fund.\n\nSo what what the notice of intent to claim essentially does is it will convert the funds into a concessional contribution, which means that the super fund will pay the superannuation tax rate at 15%. You are then able to go and take what will be provided as a receipt, and that basically becomes a deduction on your income. So the $100,000 that you're you've earned for the year, you're able to claim the tax crack the tax back that you would have paid at your marginal rate. Now your marginal rate would be sitting in the 30% tax tax bracket. So you're able to get that tax back.\n\nAnd it all it is is it's just you paying less tax overall. Cool. And it look. Realistically, it does make sense for you at your at your wage and at your at your income in the $100,000 bracket to claim all of it. You're not gonna hit any of the concessional caps.\n\nYou're not gonna hit or trigger anything. So it does make sense for it from a tax savings perspective. So currently this year this year, it's 30,000. Next year, it'll roll over to 32,500. And in that, you need to consider whatever your employer pays on your behalf as well because they all add up to concessional contributions.\n\nYeah. So don't go throwing $30 in. Yep. Perfect. No.\n\nThat's okay. We'll we'll claim the six 66, and we'll go from there. No. No problem. You too, Joshua.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hello?","start":3.76,"end":4.26,"sentiment":"neutral","sentiment_score":0.01171709131449461},{"text":"Yes.","start":6.8799996,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.045833274722099304},{"text":"Yes.","start":13.5199995,"end":14.0199995,"sentiment":"neutral","sentiment_score":0.0930011123418808},{"text":"That's, like no.","start":34.6,"end":35.98,"sentiment":"neutral","sentiment_score":-0.1752663552761078},{"text":"What what's the client's name, by the way?","start":36.28,"end":38.22,"sentiment":"neutral","sentiment_score":0.018885151745053008}],"sentiment":"neutral","sentiment_score":-0.016011883820673183,"num_words":14,"start":3.76,"end":38.22},{"sentences":[{"text":"No.","start":49.415,"end":49.575,"sentiment":"neutral","sentiment_score":-0.10684017091989516},{"text":"That's okay.","start":49.575,"end":50.055,"sentiment":"neutral","sentiment_score":0.03335023298859596},{"text":"Is he still on the phone 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okay.","start":340.31088,"end":340.7909,"sentiment":"neutral","sentiment_score":0.06901148706674576},{"text":"We'll we'll claim the six 66, and we'll go from there.","start":340.7909,"end":344.2509,"sentiment":"neutral","sentiment_score":0.15025203505700285},{"text":"No.","start":346.31088,"end":346.55087,"sentiment":"neutral","sentiment_score":0.04664482921361923},{"text":"No problem.","start":346.55087,"end":347.11087,"sentiment":"positive","sentiment_score":0.3785448521375656},{"text":"You too, Joshua.","start":347.11087,"end":347.99088,"sentiment":"positive","sentiment_score":0.440670241912206}],"sentiment":"neutral","sentiment_score":0.20613371678873113,"num_words":19,"start":340.31088,"end":347.99088},{"sentences":[{"text":"Bye.","start":347.99088,"end":348.49088,"sentiment":"neutral","sentiment_score":0.26221656799316406}],"sentiment":"neutral","sentiment_score":0.26221656799316406,"num_words":1,"start":347.99088,"end":348.49088}]}}]},{"alternatives":[{"transcript":"Hello? Hello. I have a question. So I've had a client that I emailed about the notice of intent thing yesterday, And the client has asked me so, basically, he's called up and said, yeah. I would like you guys to do it. Like, I I give you the go ahead and confirm that you guys can do it, but he's asked and I've said, would you like to claim the full 6,600? And he said, why would I not? And I was like, oh, I'm not sure. I don't know how to answer that. Joshua link later. So I'm happy to say, like, you you know, you can't reach the cap or whatever, but I don't know what to say when he said why wouldn't I why would I not? He's still on the phone now. Yes. Are you available to do that? Because I are you sure? Alright. Well, he doesn't know he's getting transferred. Did you want me to just do it and then you introduce, or you want me to go back to him and let him know? Okay. Are you sure? Alright. 321, you have Joshua Linklater. And it's 6,600 that he's done for this financial year. Yep. Alright. 321, you have Josh. Things or link and stuff like that. Okay. Good. Thank you. How are you? Cool. Thank you. One sec. Yeah. It ended up being, like, 100 and 100 and 13 lost financially. Yeah. I mean, it'd probably be might be even more. Who knows? But yeah. Just looking for let's not I don't know. My accountant dummy or saver and I think I don't know. I can't remember that one. The one that got dodged up or got one that was real, but yeah. Maybe about that. Okay. Cool. Let's do that. Yeah. What is my maximum per year avail to to deposit? Yep. Cool. Oh. Oh. No. No. Because, yeah, they're fine. My employer is paying my paying my tax net. I'm paying my super now, so I stopped putting the $200 a week in there. Cool. That's great. Thanks so much. Love it. Amazing. Cheers. Have a good one. 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Hello. I have a question. So I've had a client that I emailed about the notice of intent thing yesterday, And the client has asked me so, basically, he's called up and said, yeah. I would like you guys to do it.\n\nLike, I I give you the go ahead and confirm that you guys can do it, but he's asked and I've said, would you like to claim the full 6,600? And he said, why would I not? And I was like, oh, I'm not sure. I don't know how to answer that. Joshua link later.\n\nSo I'm happy to say, like, you you know, you can't reach the cap or whatever, but I don't know what to say when he said why wouldn't I why would I not? He's still on the phone now. Yes. Are you available to do that? Because I are you sure?\n\nAlright. Well, he doesn't know he's getting transferred. Did you want me to just do it and then you introduce, or you want me to go back to him and let him know? Okay. Are you sure?\n\nAlright. 321, you have Joshua Linklater. And it's 6,600 that he's done for this financial year. Yep. Alright.\n\n321, you have Josh. Things or link and stuff like that. Okay. Good. Thank you.\n\nHow are you? Cool. Thank you. One sec. Yeah.\n\nIt ended up being, like, 100 and 100 and 13 lost financially. Yeah. I mean, it'd probably be might be even more. Who knows? But yeah.\n\nJust looking for let's not I don't know. My accountant dummy or saver and I think I don't know. I can't remember that one. The one that got dodged up or got one that was real, but yeah. Maybe about that.\n\nOkay. Cool. Let's do that. Yeah. What is my maximum per year avail to to deposit?\n\nYep. Cool. Oh. Oh. No.\n\nNo. Because, yeah, they're fine. My employer is paying my paying my tax net. I'm paying my super now, so I stopped putting the $200 a week in there. Cool.\n\nThat's great. Thanks so much. Love it. Amazing. Cheers.\n\nHave a good one. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":4.7999997,"end":5.04,"sentiment":"neutral","sentiment_score":0.014581898227334024},{"text":"Hello.","start":5.04,"end":5.52,"sentiment":"neutral","sentiment_score":0.01035563088953495},{"text":"I have a question.","start":5.52,"end":6.5,"sentiment":"neutral","sentiment_score":-0.0005768854171037674},{"text":"So I've had a client that I emailed about the notice of intent thing yesterday, And the client has asked me so, basically, he's called up and said, yeah.","start":8.0,"end":18.275002,"sentiment":"neutral","sentiment_score":0.02634383680234695},{"text":"I would like you guys to do it.","start":18.275002,"end":19.975,"sentiment":"neutral","sentiment_score":0.18501519039273262}],"sentiment":"neutral","sentiment_score":0.05271448320600876,"num_words":43,"start":4.7999997,"end":19.975},{"sentences":[{"text":"Like, I I give you the go ahead and confirm that you guys can do it, but he's asked and I've said, would you like to claim the full 6,600?","start":20.995,"end":29.550001,"sentiment":"neutral","sentiment_score":0.07690784943600495},{"text":"And he said, why would I not?","start":29.550001,"end":31.17,"sentiment":"neutral","sentiment_score":-0.24033900669642858},{"text":"And I was like, oh, I'm not sure.","start":31.470001,"end":34.05,"sentiment":"neutral","sentiment_score":-0.2202003225684166},{"text":"I don't know how to answer that.","start":34.43,"end":36.29,"sentiment":"neutral","sentiment_score":-0.18772077879735402},{"text":"Joshua link later.","start":38.59,"end":40.13,"sentiment":"neutral","sentiment_score":0.011828510711590448}],"sentiment":"neutral","sentiment_score":-0.04391454661434347,"num_words":55,"start":20.995,"end":40.13},{"sentences":[{"text":"So I'm happy to say, like, you you know, you can't reach the cap or whatever, but I don't know what to say when he said why wouldn't I why would I 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and then you introduce, or you want me to go back to him and let him know?","start":63.010002,"end":66.975,"sentiment":"neutral","sentiment_score":-0.03262639775872231},{"text":"Okay.","start":70.575,"end":71.075,"sentiment":"neutral","sentiment_score":0.09371110796928406},{"text":"Are you sure?","start":71.375,"end":72.354996,"sentiment":"neutral","sentiment_score":0.07560631384452184}],"sentiment":"neutral","sentiment_score":-0.016124590727928524,"num_words":37,"start":61.09,"end":72.354996},{"sentences":[{"text":"Alright.","start":74.415,"end":74.915,"sentiment":"neutral","sentiment_score":0.21654632687568665},{"text":"321, you have Joshua Linklater.","start":74.975,"end":77.475,"sentiment":"neutral","sentiment_score":0.15212593376636505},{"text":"And it's 6,600 that he's done for this financial 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you.","start":92.19,"end":92.590004,"sentiment":"positive","sentiment_score":0.6939438879489899}],"sentiment":"neutral","sentiment_score":0.19729381625850995,"num_words":15,"start":83.15,"end":92.590004},{"sentences":[{"text":"How are you?","start":92.590004,"end":93.41,"sentiment":"positive","sentiment_score":0.3865519066651662},{"text":"Cool.","start":110.259995,"end":110.759995,"sentiment":"positive","sentiment_score":0.4200917184352875},{"text":"Thank you.","start":110.899994,"end":111.71999,"sentiment":"positive","sentiment_score":0.42976517975330353},{"text":"One sec.","start":133.985,"end":134.725,"sentiment":"neutral","sentiment_score":-0.002054358832538128},{"text":"Yeah.","start":181.81499,"end":182.135,"sentiment":"neutral","sentiment_score":0.01443345658481121}],"sentiment":"neutral","sentiment_score":0.272178059650792,"num_words":9,"start":92.590004,"end":182.135},{"sentences":[{"text":"It ended up being, like, 100 and 100 and 13 lost financially.","start":182.135,"end":189.515,"sentiment":"neutral","sentiment_score":-0.03563862945884466},{"text":"Yeah.","start":197.22,"end":197.72,"sentiment":"neutral","sentiment_score":0.007830442860722542},{"text":"I mean, it'd probably be might be even more.","start":197.86,"end":200.18,"sentiment":"neutral","sentiment_score":-0.05028009973466396},{"text":"Who knows?","start":200.18,"end":200.84,"sentiment":"neutral","sentiment_score":-0.05614068545401096},{"text":"But yeah.","start":202.34,"end":205.23999,"sentiment":"neutral","sentiment_score":-0.03218239871785045}],"sentiment":"neutral","sentiment_score":-0.040346160638504304,"num_words":26,"start":182.135,"end":205.23999},{"sentences":[{"text":"Just looking for let's not I don't know.","start":208.025,"end":214.58499,"sentiment":"neutral","sentiment_score":-0.07504611136391759},{"text":"My accountant dummy or saver and I think I don't know.","start":214.58499,"end":221.6,"sentiment":"neutral","sentiment_score":-0.17787974395535208},{"text":"I can't remember that one.","start":221.6,"end":222.74,"sentiment":"neutral","sentiment_score":-0.10219271630048751},{"text":"The one that got dodged up or got one that was real, but yeah.","start":224.16,"end":228.08,"sentiment":"neutral","sentiment_score":-0.10261953861585685},{"text":"Maybe about that.","start":228.08,"end":229.06001,"sentiment":"neutral","sentiment_score":-0.07078022758165996}],"sentiment":"neutral","sentiment_score":-0.1150493629095031,"num_words":41,"start":208.025,"end":229.06001},{"sentences":[{"text":"Okay.","start":272.245,"end":272.745,"sentiment":"neutral","sentiment_score":0.05878743529319763},{"text":"Cool.","start":286.1,"end":286.58002,"sentiment":"positive","sentiment_score":0.5275490283966064},{"text":"Let's do 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yeah, they're fine.","start":325.625,"end":327.085,"sentiment":"neutral","sentiment_score":-0.004355930490419269},{"text":"My employer is paying my paying my tax net.","start":327.305,"end":330.025,"sentiment":"neutral","sentiment_score":-0.004915648036532932},{"text":"I'm paying my super now, so I stopped putting the $200 a week in there.","start":330.025,"end":334.14,"sentiment":"neutral","sentiment_score":-0.011790756632884343},{"text":"Cool.","start":337.66,"end":338.16,"sentiment":"positive","sentiment_score":0.6262396574020386}],"sentiment":"neutral","sentiment_score":0.009902676474303007,"num_words":30,"start":325.305,"end":338.16},{"sentences":[{"text":"That's great.","start":338.22,"end":338.78003,"sentiment":"positive","sentiment_score":0.7358302474021912},{"text":"Thanks so much.","start":338.78003,"end":339.62094,"sentiment":"positive","sentiment_score":0.7093744874000549},{"text":"Love it.","start":341.70093,"end":342.44095,"sentiment":"neutral","sentiment_score":0.14599396288394928},{"text":"Amazing.","start":344.82095,"end":345.30093,"sentiment":"positive","sentiment_score":0.6241000294685364},{"text":"Cheers.","start":345.30093,"end":345.80093,"sentiment":"positive","sentiment_score":0.4090323150157929}],"sentiment":"positive","sentiment_score":0.5472115808063083,"num_words":9,"start":338.22,"end":345.80093},{"sentences":[{"text":"Have a good one.","start":345.86093,"end":346.84094,"sentiment":"positive","sentiment_score":0.42563743330538273},{"text":"Bye.","start":348.34094,"end":348.84094,"sentiment":"neutral","sentiment_score":-0.0909765213727951}],"sentiment":"neutral","sentiment_score":0.32231464236974716,"num_words":5,"start":345.86093,"end":348.84094}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Hello?\n\nChannel 1: Hello? Hello. I have a question.\n\nChannel 0: Yes.\n\nChannel 1: So I've had a client that I emailed about the notice of intent thing yesterday,\n\nChannel 0: Yes.\n\nChannel 1: And the client has asked me so, basically, he's called up and said, yeah. I would like you guys to do it. Like, I I give you the go ahead and confirm that you guys can do it, but he's asked and I've said, would you like to claim the full 6,600? And he said, why would I not? And I was like, oh, I'm not sure.\n\nI don't\n\nChannel 0: That's,\n\nChannel 1: know\n\nChannel 0: like\n\nChannel 1: how to answer\n\nChannel 0: no.\n\nChannel 1: that.\n\nChannel 0: What what's the client's name, by the way?\n\nChannel 1: Joshua link later. So I'm happy to say, like, you you know, you can't reach the cap or whatever, but I don't know what to say when he said why wouldn't I why\n\nChannel 0: No. That's\n\nChannel 1: would I\n\nChannel 0: okay.\n\nChannel 1: not?\n\nChannel 0: Is he still on the phone now?\n\nChannel 1: He's still on the phone now. Yes.\n\nChannel 0: Do you wanna pop him through to me?\n\nChannel 1: Are you available to do that?\n\nChannel 0: Yeah.\n\nChannel 1: Because\n\nChannel 0: I'm\n\nChannel 1: I\n\nChannel 0: happy too.\n\nChannel 1: are you sure?\n\nChannel 0: Yeah, baby. Absolutely.\n\nChannel 1: Alright. Well, he doesn't know he's getting transferred. Did you want me to just do it and then you introduce, or you want me to go back to him and let him know?\n\nChannel 0: Nah. Just live transfer. It's funnier that way.\n\nChannel 1: Okay. Are you sure?\n\nChannel 0: Yeah. Positive, hon.\n\nChannel 1: Alright. 321, you have Joshua Linklater. And it's 6,600 that he's done for this financial year.\n\nChannel 0: Yeah. I got it. Thanks, hon.\n\nChannel 1: Yep. Alright. 321, you have Josh. Things or link and stuff like that.\n\nChannel 0: Hi,\n\nChannel 1: Okay.\n\nChannel 0: Josh. How are you going?\n\nChannel 1: Good. Thank you. How are you?\n\nChannel 0: Good. Sorry for the hold. My name is Larissa. Samantha just gave me a quick call just to ask you a couple of questions, and I figured it was gonna be a little bit easier for you to talk with a financial planner and to be able to kind of address it straight up rather than me relay to her and then her to relay to you.\n\nChannel 1: Cool.\n\nChannel 0: So\n\nChannel 1: Thank you.\n\nChannel 0: no. No. That's okay. I'm just bringing up your file so I can get a little bit more of a understanding on your financial position just so I can have an open honest conversation. So as I understand, your income currently sits at about a 100,000, 103, 104 in and\n\nChannel 1: One\n\nChannel 0: of\n\nChannel 1: sec.\n\nChannel 0: that range? You're okay.\n\nChannel 1: Yeah. It ended up being, like, 100 and 100 and 13\n\nChannel 0: Should\n\nChannel 1: lost financially.\n\nChannel 0: be. Alright. Do you and you're still on track for, like, for this financial year ending in a month for the same\n\nChannel 1: Yeah.\n\nChannel 0: amount?\n\nChannel 1: I mean, it'd probably\n\nChannel 0: Yeah.\n\nChannel 1: be might be even more. Who knows?\n\nChannel 0: Okay. No. That's\n\nChannel 1: But\n\nChannel 0: okay.\n\nChannel 1: yeah.\n\nChannel 0: No.\n\nChannel 1: Just\n\nChannel 0: The\n\nChannel 1: looking for\n\nChannel 0: payslips.\n\nChannel 1: let's not I don't know. My accountant dummy or saver and I think I don't know. I can't remember that one. The one that got dodged up or got one that was real, but yeah. Maybe about that.\n\nChannel 0: No. That's okay. So, basically, with so there's money that's landed in your superannuation fund, $6,600 that's been paid as a non concessional contribution, which means you've been taxed at your marginal rate on that money prior to it being pay paid into your super fund. So what what the notice of intent to claim essentially does is it will convert the funds into a concessional contribution, which means that the super fund will pay the superannuation tax rate at 15%. You are then able to go and take what will be provided as a receipt, and that basically becomes a deduction on your income.\n\nSo the $100,000 that you're you've earned for the year, you're able to\n\nChannel 1: Okay.\n\nChannel 0: claim the tax crack the tax back that you would have paid at your marginal rate. Now your marginal rate would be sitting in the 30% tax tax bracket. So you're able to get that tax back. And it all it is is it's just you paying less tax overall.\n\nChannel 1: Cool. Let's do that.\n\nChannel 0: Cool. And it look. Realistically, it does make sense for you at your at your wage and at your at your income in the $100,000 bracket to claim all of it. You're not gonna hit\n\nChannel 1: Yeah.\n\nChannel 0: any of the concessional caps. You're not gonna hit or trigger anything. So it does make sense for it from a tax savings perspective.\n\nChannel 1: What is my maximum per year\n\nChannel 0: So\n\nChannel 1: avail\n\nChannel 0: currently\n\nChannel 1: to to\n\nChannel 0: this\n\nChannel 1: deposit?\n\nChannel 0: year this year, it's 30,000. Next\n\nChannel 1: Yep.\n\nChannel 0: year, it'll roll over to 32,500. And\n\nChannel 1: Cool.\n\nChannel 0: in that, you need to consider whatever your employer pays on your behalf as well because they all add up\n\nChannel 1: Oh.\n\nChannel 0: to concessional contributions. Yeah. So don't go throwing $30 in.\n\nChannel 1: Oh. No. No. Because, yeah, they're fine. My employer is paying my paying my tax net.\n\nI'm paying my super now, so I stopped putting the $200 a week in there.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: Cool. That's great. Thanks so much.\n\nChannel 0: No. That's okay. We'll we'll claim the\n\nChannel 1: Love\n\nChannel 0: six\n\nChannel 1: it.\n\nChannel 0: 66, and we'll go from there.\n\nChannel 1: Amazing. Cheers. Have a good\n\nChannel 0: No.\n\nChannel 1: one.\n\nChannel 0: No problem. You too, Joshua. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":3.76,"end":4.26,"sentiment":"neutral","sentiment_score":0.01171709131449461}],"sentiment":"neutral","sentiment_score":0.01171709131449461,"channel":0,"num_words":1,"start":3.76,"end":4.26},{"sentences":[{"text":"Hello?","start":4.7999997,"end":5.04,"sentiment":"neutral","sentiment_score":0.014581898227334024},{"text":"Hello.","start":5.04,"end":5.52,"sentiment":"neutral","sentiment_score":0.01035563088953495},{"text":"I have a question.","start":5.52,"end":6.5,"sentiment":"neutral","sentiment_score":-0.0005768854171037674}],"sentiment":"neutral","sentiment_score":0.003771664574742317,"channel":1,"num_words":6,"start":4.7999997,"end":6.5},{"sentences":[{"text":"Yes.","start":6.8799996,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.045833274722099304}],"sentiment":"neutral","sentiment_score":0.045833274722099304,"channel":0,"num_words":1,"start":6.8799996,"end":7.3799996},{"sentences":[{"text":"So I've had a client that I emailed about the notice of intent thing yesterday,","start":8.0,"end":12.9,"sentiment":"neutral","sentiment_score":0.03058538449307283}],"sentiment":"neutral","sentiment_score":0.03058538449307283,"channel":1,"num_words":15,"start":8.0,"end":12.9},{"sentences":[{"text":"Yes.","start":13.5199995,"end":14.0199995,"sentiment":"neutral","sentiment_score":0.0930011123418808}],"sentiment":"neutral","sentiment_score":0.0930011123418808,"channel":0,"num_words":1,"start":13.5199995,"end":14.0199995},{"sentences":[{"text":"And the client has asked me so, basically, he's called up and said, yeah.","start":14.675,"end":18.275002,"sentiment":"neutral","sentiment_score":0.021799321419426372},{"text":"I would like you guys to do it.","start":18.275002,"end":19.975,"sentiment":"neutral","sentiment_score":0.18501519039273262},{"text":"Like, I I give you the go ahead and confirm that you guys can do it, but he's asked and I've said, would you like to claim the full 6,600?","start":20.995,"end":29.550001,"sentiment":"neutral","sentiment_score":0.07690784943600495},{"text":"And he said, why would I not?","start":29.550001,"end":31.17,"sentiment":"neutral","sentiment_score":-0.24033900669642858},{"text":"And I was like, oh, I'm not sure.","start":31.470001,"end":34.05,"sentiment":"neutral","sentiment_score":-0.2202003225684166}],"sentiment":"neutral","sentiment_score":0.009680177293606658,"channel":1,"num_words":67,"start":14.675,"end":34.05},{"sentences":[{"text":"I don't","start":34.43,"end":34.91,"sentiment":"neutral","sentiment_score":-0.17193149775266647}],"sentiment":"neutral","sentiment_score":-0.17193149775266647,"channel":1,"num_words":2,"start":34.43,"end":34.91},{"sentences":[{"text":"That's,","start":34.6,"end":34.92,"sentiment":"neutral","sentiment_score":-0.14456327259540558}],"sentiment":"neutral","sentiment_score":-0.14456327259540558,"channel":0,"num_words":1,"start":34.6,"end":34.92},{"sentences":[{"text":"know","start":34.91,"end":35.07,"sentiment":"neutral","sentiment_score":-0.1815677285194397}],"sentiment":"neutral","sentiment_score":-0.1815677285194397,"channel":1,"num_words":1,"start":34.91,"end":35.07},{"sentences":[{"text":"like","start":34.92,"end":35.239998,"sentiment":"neutral","sentiment_score":-0.15130002796649933}],"sentiment":"neutral","sentiment_score":-0.15130002796649933,"channel":0,"num_words":1,"start":34.92,"end":35.239998},{"sentences":[{"text":"how to answer","start":35.07,"end":35.79,"sentiment":"neutral","sentiment_score":-0.23687849938869476}],"sentiment":"neutral","sentiment_score":-0.23687849938869476,"channel":1,"num_words":3,"start":35.07,"end":35.79},{"sentences":[{"text":"no.","start":35.48,"end":35.98,"sentiment":"neutral","sentiment_score":-0.22993576526641848}],"sentiment":"neutral","sentiment_score":-0.22993576526641848,"channel":0,"num_words":1,"start":35.48,"end":35.98},{"sentences":[{"text":"that.","start":35.79,"end":36.29,"sentiment":"neutral","sentiment_score":-0.07797922939062119}],"sentiment":"neutral","sentiment_score":-0.07797922939062119,"channel":1,"num_words":1,"start":35.79,"end":36.29},{"sentences":[{"text":"What what's the client's name, by the way?","start":36.28,"end":38.22,"sentiment":"neutral","sentiment_score":0.018885151745053008}],"sentiment":"neutral","sentiment_score":0.018885151745053008,"channel":0,"num_words":8,"start":36.28,"end":38.22},{"sentences":[{"text":"Joshua link later.","start":38.59,"end":40.13,"sentiment":"neutral","sentiment_score":0.011828510711590448},{"text":"So I'm happy to say, like, you you know, you can't reach the cap or whatever, but I don't know what to say when he said why wouldn't I why","start":40.845,"end":49.645,"sentiment":"neutral","sentiment_score":0.008463593075672786}],"sentiment":"neutral","sentiment_score":0.008769494678938028,"channel":1,"num_words":33,"start":38.59,"end":49.645},{"sentences":[{"text":"No.","start":49.415,"end":49.575,"sentiment":"neutral","sentiment_score":-0.10684017091989516},{"text":"That's","start":49.575,"end":49.895,"sentiment":"neutral","sentiment_score":0.03161578252911568}],"sentiment":"neutral","sentiment_score":-0.03761219419538974,"channel":0,"num_words":2,"start":49.415,"end":49.895},{"sentences":[{"text":"would 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to","start":307.85,"end":308.09,"sentiment":"neutral","sentiment_score":0.02779518347233534}],"sentiment":"neutral","sentiment_score":0.02779518347233534,"channel":1,"num_words":2,"start":307.85,"end":308.09},{"sentences":[{"text":"this","start":308.05502,"end":308.295,"sentiment":"neutral","sentiment_score":0.02539321780204773}],"sentiment":"neutral","sentiment_score":0.02539321780204773,"channel":0,"num_words":1,"start":308.05502,"end":308.295},{"sentences":[{"text":"deposit?","start":308.09,"end":308.59,"sentiment":"neutral","sentiment_score":0.012447059154510498}],"sentiment":"neutral","sentiment_score":0.012447059154510498,"channel":1,"num_words":1,"start":308.09,"end":308.59},{"sentences":[{"text":"year this year, it's 30,000.","start":308.295,"end":311.18,"sentiment":"neutral","sentiment_score":0.011002631112933158},{"text":"Next","start":311.31998,"end":311.8,"sentiment":"neutral","sentiment_score":0.025075815618038177}],"sentiment":"neutral","sentiment_score":0.013348161863783995,"channel":0,"num_words":6,"start":308.295,"end":311.8},{"sentences":[{"text":"Yep.","start":311.53,"end":312.03,"sentiment":"neutral","sentiment_score":0.029852047562599186}],"sentiment":"neutral","sentiment_score":0.029852047562599186,"channel":1,"num_words":1,"start":311.53,"end":312.03},{"sentences":[{"text":"year, it'll roll over to 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Joshua.","start":347.11087,"end":347.99088,"sentiment":"positive","sentiment_score":0.440670241912206},{"text":"Bye.","start":347.99088,"end":348.49088,"sentiment":"neutral","sentiment_score":0.26221656799316406}],"sentiment":"positive","sentiment_score":0.39021949966748554,"channel":0,"num_words":6,"start":346.55087,"end":348.49088},{"sentences":[{"text":"Bye.","start":348.34094,"end":348.84094,"sentiment":"neutral","sentiment_score":-0.0909765213727951}],"sentiment":"neutral","sentiment_score":-0.0909765213727951,"channel":1,"num_words":1,"start":348.34094,"end":348.84094}]},"summary":{"result":"success","short":"The customer has called to ask about a notice of intent and a client's request to claim the full 6,600 dollars. The agent explains that the client's income is currently at around $100,000 and that they can claim all of it, including the tax savings. The agent also explains that the client's employer will pay their tax net and that they can claim all of it."},"intents":{"segments":[{"text":"I have a question. Yes.","start_word":3,"end_word":7,"intents":[{"intent":"Ask","confidence_score":0.015152585}]},{"text":"Well, he doesn't know he's getting transferred. Did you want me to just do it and then you introduce, or you want me to go back to him and let him know? Nah.","start_word":189,"end_word":221,"intents":[{"intent":"Transfer","confidence_score":0.36926585}]},{"text":"Are you sure? Yeah. Positive, hon. Alright. 321, you have Joshua Linklater. And it's 6,600 that he's done for this financial year.","start_word":230,"end_word":251,"intents":[{"intent":"Confirm","confidence_score":0.13614723}]},{"text":"My name is Larissa. Samantha just gave me a quick call just to ask you a couple of questions, and I figured it was gonna be a little bit easier for you to talk with a financial planner and to be able to kind of address it straight up rather than me relay to her and then her to relay to you. Cool.","start_word":289,"end_word":351,"intents":[{"intent":"Ask questions","confidence_score":0.15171261},{"intent":"Address financial situation","confidence_score":0.33604097}]},{"text":"So as I understand, your income currently sits at about a 100,000, 103, 104 in and One of sec. that range?","start_word":389,"end_word":409,"intents":[{"intent":"Confirm income","confidence_score":0.045936372},{"intent":"Confirm income","confidence_score":0.030939175}]},{"text":"Just The looking for payslips. let's not I don't know. My accountant dummy or saver and I think I don't know. I can't remember that one. The one that got dodged up or got one that was real, but yeah. Maybe about that.","start_word":469,"end_word":511,"intents":[{"intent":"Retrieve payslips","confidence_score":0.002033094}]},{"text":"So, basically, with so there's money that's landed in your superannuation fund, $6,600 that's been paid as a non concessional contribution, which means you've been taxed at your marginal rate on that money prior to it being pay paid into your super fund.","start_word":515,"end_word":557,"intents":[{"intent":"Provide tax deduction","confidence_score":0.010437215}]},{"text":"So what what the notice of intent to claim essentially does is it will convert the funds into a concessional contribution, which means that the super fund will pay the superannuation tax rate at 15%. You are then able to go and take what will be provided as a receipt, and that basically becomes a deduction on your income.","start_word":559,"end_word":617,"intents":[{"intent":"Convert funds into a concessional contribution","confidence_score":0.031039169}]},{"text":"claim the tax crack the tax back that you would have paid at your marginal rate. Now your marginal rate would be sitting in the 30% tax tax bracket. So you're able to get that tax back. And it all it is is it's just you paying less tax overall. Cool.","start_word":631,"end_word":681,"intents":[{"intent":"Expedite tax return claim","confidence_score":0.000008103618}]},{"text":"What is my maximum per year So avail currently to to this deposit? year this year, it's 30,000.","start_word":745,"end_word":762,"intents":[{"intent":"Determine maximum amount to claim","confidence_score":0.0012277979}]},{"text":"What is my maximum per year So avail currently to to this deposit? year this year, it's 30,000. Next Yep.","start_word":745,"end_word":764,"intents":[{"intent":"Determine maximum per year and calculate maximum amount per year","confidence_score":8.0963355e-7}]},{"text":"in that, you need to consider whatever your employer pays on your behalf as well because they all add up Oh. to concessional contributions. Yeah.","start_word":773,"end_word":797,"intents":[{"intent":"Consider employer's contributions","confidence_score":0.01678664}]}]},"sentiments":{"segments":[{"text":"Hello? Hello? Hello. I have a question. Yes. So I've had a client that I emailed about the notice of intent thing yesterday, Yes. And the client has asked me so, basically, he's called up and said, yeah. I would like you guys to do it. Like, I I give you the go ahead and confirm that you guys can do it, but he's asked and I've said, would you like to claim the full 6,600? And he said, why would I not? And I was like, oh, I'm not sure. I don't That's, know like how to answer no. that. What what's the client's name, by the way? Joshua link later. So I'm happy to say, like, you you know, you can't reach the cap or whatever, but I don't know what to say when he said why wouldn't I why No. That's would I okay. not? Is he still on the phone now? He's still on the phone now. Yes. Do you wanna pop him through to me? Are you available to do that? Yeah.","start_word":0,"end_word":176,"sentiment":"neutral","sentiment_score":-0.00023153731308411807},{"text":"Because I'm I happy too.","start_word":177,"end_word":181,"sentiment":"positive","sentiment_score":0.457078069448471},{"text":"are you sure? Yeah, baby.","start_word":182,"end_word":186,"sentiment":"neutral","sentiment_score":0.2452337145805359},{"text":"Absolutely.","start_word":187,"end_word":187,"sentiment":"positive","sentiment_score":0.3795194327831268},{"text":"Alright. Well, he doesn't know he's getting transferred. Did you want me to just do it and then you introduce, or you want me to go back to him and let him know? Nah. Just live transfer. It's funnier that way. Okay. Are you sure? Yeah. Positive, hon. Alright. 321, you have Joshua Linklater. And it's 6,600 that he's done for this financial year. Yeah.","start_word":188,"end_word":252,"sentiment":"neutral","sentiment_score":0.1060955673456192},{"text":"I got it. Thanks, hon.","start_word":253,"end_word":257,"sentiment":"positive","sentiment_score":0.4955309927463531},{"text":"Yep. Alright. 321, you have Josh. Things or link and stuff like that. Hi, Okay. Josh. How are you going?","start_word":258,"end_word":277,"sentiment":"neutral","sentiment_score":0.13667563796043397},{"text":"Good. Thank you. How are you? Good.","start_word":278,"end_word":284,"sentiment":"positive","sentiment_score":0.514955997467041},{"text":"Sorry for the hold. My name is Larissa. Samantha just gave me a quick call just to ask you a couple of questions, and I figured it was gonna be a little bit easier for you to talk with a financial planner and to be able to kind of address it straight up rather than me relay to her and then her to relay to you.","start_word":285,"end_word":350,"sentiment":"neutral","sentiment_score":0.14640063047409058},{"text":"Cool. So Thank you.","start_word":351,"end_word":354,"sentiment":"positive","sentiment_score":0.4092862010002136},{"text":"no. No. That's okay. I'm just bringing up your file so I can get a little bit more of a understanding on your financial position just so I can have an open honest conversation. So as I understand, your income currently sits at about a 100,000, 103, 104 in and One of sec. that range? You're okay. Yeah. It ended up being, like, 100 and 100 and Should 13 lost financially. be. Alright. Do you and you're still on track for, like, for this financial year ending in a month for the same Yeah. amount? I mean, it'd probably Yeah. be might be even more. Who knows? Okay. No. That's But okay. yeah. No. Just The looking for payslips. let's not I don't know. My accountant dummy or saver and I think I don't know. I can't remember that one. The one that got dodged up or got one that was real, but yeah. Maybe about that. No. That's okay. So, basically, with so there's money that's landed in your superannuation fund, $6,600 that's been paid as a non concessional contribution, which means you've been taxed at your marginal rate on that money prior to it being pay paid into your super fund. So what what the notice of intent to claim essentially does is it will convert the funds into a concessional contribution, which means that the super fund will pay the superannuation tax rate at 15%. You are then able to go and take what will be provided as a receipt, and that basically becomes a deduction on your income. So the $100,000 that you're you've earned for the year, you're able to Okay. claim the tax crack the tax back that you would have paid at your marginal rate. Now your marginal rate would be sitting in the 30% tax tax bracket. So you're able to get that tax back. And it all it is is it's just you paying less tax overall.","start_word":355,"end_word":680,"sentiment":"neutral","sentiment_score":0.03927286504982096},{"text":"Cool. Let's do that. Cool.","start_word":681,"end_word":685,"sentiment":"positive","sentiment_score":0.5062368512153625},{"text":"And it look. Realistically, it does make sense for you at your at your wage and at your at your income in the $100,000 bracket to claim all of it. You're not gonna hit Yeah. any of the concessional caps. You're not gonna hit or trigger anything. So it does make sense for it from a tax savings perspective. What is my maximum per year So avail currently to to this deposit? year this year, it's 30,000. Next Yep. year, it'll roll over to 32,500. And Cool. in that, you need to consider whatever your employer pays on your behalf as well because they all add up Oh. to concessional contributions. Yeah. So don't go throwing $30 in. Oh. No. No. Because, yeah, they're fine. My employer is paying my paying my tax net. I'm paying my super now, so I stopped putting the $200 a week in there. Yep.","start_word":686,"end_word":835,"sentiment":"neutral","sentiment_score":0.06462907046079636},{"text":"Perfect. Cool. That's great. Thanks so much.","start_word":836,"end_word":842,"sentiment":"positive","sentiment_score":0.6830575466156006},{"text":"No. That's okay. We'll we'll claim the Love six it. 66, and we'll go from there.","start_word":843,"end_word":858,"sentiment":"neutral","sentiment_score":0.12241704016923904},{"text":"Amazing. Cheers. Have a good No.","start_word":859,"end_word":864,"sentiment":"positive","sentiment_score":0.44290459156036377},{"text":"one.","start_word":865,"end_word":865,"sentiment":"neutral","sentiment_score":0.0577189102768898},{"text":"No problem. You too, Joshua.","start_word":866,"end_word":870,"sentiment":"positive","sentiment_score":0.42445433139801025},{"text":"Bye. Bye.","start_word":871,"end_word":872,"sentiment":"neutral","sentiment_score":0.20208565890789032}],"average":{"sentiment":"neutral","sentiment_score":0.08084921938789712}}}}