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So the the obviously, the reason of my call was I was giving you a call to go through the advice document that we discussed the other day. I had been able to run all of the figures with respect to adding additional contributions into your super fund. I did put a couple of, like, alternatives. So, you know, how we sort of spoke about, like, 3, 4, and 500 per fortnight. I have recommended that we go ahead with $400 a fortnight into the fund. But in the, appendix, so in the second document that's attached, I did put, like, the alternatives for you as well to just show if you did $300 a fortnight, how that tax proposition, works, and if you did $500 a fortnight as well. Now if you did go with $500 a fortnight, it does still work out. It's just that you're over the concessional cap each, year by a little bit, but you have enough, in terms of a carry forward contribution position that you could actually you could go ahead with $500 a fortnight. But I do know that you're you're you're wanting to, like, move to New Zealand. You wanna do a bunch of things. So I didn't wanna put too much of your money into this one strategy and possibly look at, like, alternative strategies down the line as well where we can keep your money liquid for yourself rather than tie all of it up in your superannuation. The notice of intent to claim. So what what I would wanna do is is basically set up a contribution strategy, and we'll put it into your hub twenty four fund. So while your contributions from your employer are going into ING, we'll actually get you to put this money into hub twenty four. And then what we do is once we hit the end of the financial year, we submit a a a document. We do it for you, and then it pops up on your tax return. And there's nothing too much that you need to do. It just pops up on your tax return. You get to claim that that back on your tax. Yes. So, basically, currently so basic like, without con without considering any other tax deductions, you would essentially get about $4,056 back from your tax by making those contributions. So you'll save that in tax on your taxable income. Yeah. Yes. Yeah. Yeah. It it's it's I've laid it out pretty simply. Basically, the the the good I guess, the good part of it starts on page nine of that first document where it's, like, the actual recommendation strategy, and then it sort of line it lines it all out for you and just explains where everything sits. Yes. The the the four four thousand $400 a fortnight. Yeah. Yeah. Absolutely. Yeah. Yeah. Just give me a call Monday, and I'll make myself as available as possible. Worst case scenario, I'll give you a callback within thirty minutes of you calling. But yeah. No. I've already sent the documents to you, so that'll be sitting in your email. And it just comes through through through OdooSign. So it's there for you to be able to review and sign it. Is it in your spam by any chance? They seem to go there. No stress at all. That's okay. You have a you too, Caswell. 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Casa. Thanks for giving me a callback. No. That's okay. I completely understand.\n\nLife gets away from us some days. So the the obviously, the reason of my call was I was giving you a call to go through the advice document that we discussed the other day. I had been able to run all of the figures with respect to adding additional contributions into your super fund. I did put a couple of, like, alternatives. So, you know, how we sort of spoke about, like, 3, 4, and 500 per fortnight.\n\nI have recommended that we go ahead with $400 a fortnight into the fund. But in the, appendix, so in the second document that's attached, I did put, like, the alternatives for you as well to just show if you did $300 a fortnight, how that tax proposition, works, and if you did $500 a fortnight as well. Now if you did go with $500 a fortnight, it does still work out. It's just that you're over the concessional cap each, year by a little bit, but you have enough, in terms of a carry forward contribution position that you could actually you could go ahead with $500 a fortnight. But I do know that you're you're you're wanting to, like, move to New Zealand.\n\nYou wanna do a bunch of things. So I didn't wanna put too much of your money into this one strategy and possibly look at, like, alternative strategies down the line as well where we can keep your money liquid for yourself rather than tie all of it up in your superannuation. The notice of intent to claim. So what what I would wanna do is is basically set up a contribution strategy, and we'll put it into your hub twenty four fund. So while your contributions from your employer are going into ING, we'll actually get you to put this money into hub twenty four.\n\nAnd then what we do is once we hit the end of the financial year, we submit a a a document. We do it for you, and then it pops up on your tax return. And there's nothing too much that you need to do. It just pops up on your tax return. You get to claim that that back on your tax.\n\nYes. So, basically, currently so basic like, without con without considering any other tax deductions, you would essentially get about $4,056 back from your tax by making those contributions. So you'll save that in tax on your taxable income. Yeah. Yes.\n\nYeah. Yeah. It it's it's I've laid it out pretty simply. Basically, the the the good I guess, the good part of it starts on page nine of that first document where it's, like, the actual recommendation strategy, and then it sort of line it lines it all out for you and just explains where everything sits. Yes.\n\nThe the the four four thousand $400 a fortnight. Yeah. Yeah. Absolutely. Yeah.\n\nYeah. Just give me a call Monday, and I'll make myself as available as possible. Worst case scenario, I'll give you a callback within thirty minutes of you calling. But yeah. No.\n\nI've already sent the documents to you, so that'll be sitting in your email. And it just comes through through through OdooSign. So it's there for you to be able to review and sign it. Is it in your spam by any chance? They seem to go there.\n\nNo stress at all. That's okay. You have a you too, Caswell. 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chance?","start":303.17502,"end":305.035,"sentiment":"neutral","sentiment_score":-0.23854284547269344},{"text":"They seem to go there.","start":308.12003,"end":309.34003,"sentiment":"neutral","sentiment_score":0.02556438520550728}],"sentiment":"neutral","sentiment_score":0.03311519922378162,"num_words":48,"start":288.88,"end":309.34003},{"sentences":[{"text":"No stress at all.","start":314.52002,"end":315.90002,"sentiment":"positive","sentiment_score":0.34461451321840286},{"text":"That's okay.","start":324.065,"end":324.865,"sentiment":"neutral","sentiment_score":0.15494383871555328},{"text":"You have a you too, Caswell.","start":324.865,"end":326.965,"sentiment":"positive","sentiment_score":0.6528719663619995},{"text":"Bye.","start":327.10498,"end":327.60498,"sentiment":"neutral","sentiment_score":0.30641961097717285}],"sentiment":"positive","sentiment_score":0.45476901072722214,"num_words":13,"start":314.52002,"end":327.60498}]}}]},{"alternatives":[{"transcript":"Hello? Yeah. Sorry. I was calling a place about importing the car to New Zealand, and I've lost track of time when I saw the time when you called. Yeah. Yep. Mhmm. Yes. Yes. Yes. Okay. Mhmm. Mhmm. Yep. Okay. Sorry? Mhmm. Okay. Yes. Yep. Yep. Yeah. Yeah. Okay. That's cool. Yeah. Yeah. I reckon the 400 probably be the safer bet. And that means we apply for that thing at the end of the tank. What's the thing we apply for, you see? Yes. Yes. Yes. Okay. Yeah. How much how much would it how much would I be able to get extra in my tax return doing it that way on $400? Did did you know? Yes. 4 thousand. $4,056. Okay. And you and that will be all in this documentation so my me and my wife can read it and then we'll understand what's going on. Correct? Yes. Yes. Yeah. And that's and that's on and that's on a fortnightly basis contribution. Correct? Yes. Alright. Alright. Well, if you send that through, I'll read through it this this couple of days. Probably not today, tomorrow, on the weekend. And then can I call you back on Monday? I know you're very busy, but can if I have any questions, can I call you back on Monday? Yep. Yep. Oh, cool. I'm just checking. I don't see it in my email. I'm just having a look in the spam now. Alright, Larissa. Alrighty. Alright. Thanks, Larissa. I appreciate all that. I'll I'll move that to my special folder, and I'll go through that. Thank you for your time. Yeah. You have a good day. See you. 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Yeah. Sorry. I was calling a place about importing the car to New Zealand, and I've lost track of time when I saw the time when you called. Yeah.\n\nYep. Mhmm. Yes. Yes. Yes.\n\nOkay. Mhmm. Mhmm. Yep. Okay.\n\nSorry? Mhmm. Okay. Yes. Yep.\n\nYep. Yeah. Yeah. Okay. That's cool.\n\nYeah. Yeah. I reckon the 400 probably be the safer bet. And that means we apply for that thing at the end of the tank. What's the thing we apply for, you see?\n\nYes. Yes. Yes. Okay. Yeah.\n\nHow much how much would it how much would I be able to get extra in my tax return doing it that way on $400? Did did you know? Yes. 4 thousand. $4,056.\n\nOkay. And you and that will be all in this documentation so my me and my wife can read it and then we'll understand what's going on. Correct? Yes. Yes.\n\nYeah. And that's and that's on and that's on a fortnightly basis contribution. Correct? Yes. Alright.\n\nAlright. Well, if you send that through, I'll read through it this this couple of days. 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cool.","start":130.635,"end":131.355,"sentiment":"positive","sentiment_score":0.7389958798885345}],"sentiment":"positive","sentiment_score":0.42408833528558415,"num_words":6,"start":125.835,"end":131.355},{"sentences":[{"text":"Yeah.","start":131.355,"end":131.83499,"sentiment":"positive","sentiment_score":0.4399482011795044},{"text":"Yeah.","start":131.83499,"end":132.155,"sentiment":"positive","sentiment_score":0.3802388906478882},{"text":"I reckon the 400 probably be the safer bet.","start":132.155,"end":135.21,"sentiment":"positive","sentiment_score":0.3829866780175103},{"text":"And that means we apply for that thing at the end of the tank.","start":135.53001,"end":138.49,"sentiment":"neutral","sentiment_score":0.26703809946775436},{"text":"What's the thing we apply for, you see?","start":138.49,"end":140.59001,"sentiment":"neutral","sentiment_score":0.13056297227740288}],"sentiment":"neutral","sentiment_score":0.27424558681069,"num_words":33,"start":131.355,"end":140.59001},{"sentences":[{"text":"Yes.","start":160.18501,"end":160.68501,"sentiment":"neutral","sentiment_score":0.14636072516441345},{"text":"Yes.","start":164.02501,"end":164.52501,"sentiment":"neutral","sentiment_score":0.10969418287277222},{"text":"Yes.","start":172.48999,"end":172.98999,"sentiment":"neutral","sentiment_score":0.21609371900558472},{"text":"Okay.","start":175.76999,"end":176.26999,"sentiment":"neutral","sentiment_score":0.21772363781929016},{"text":"Yeah.","start":183.095,"end":183.495,"sentiment":"neutral","sentiment_score":0.1642126739025116}],"sentiment":"neutral","sentiment_score":0.17081698775291443,"num_words":5,"start":160.18501,"end":183.495},{"sentences":[{"text":"How much how much would it how much would I be able to get extra in my tax return doing it that way on $400?","start":183.495,"end":190.41,"sentiment":"neutral","sentiment_score":0.20801232397556305},{"text":"Did did you know?","start":190.89,"end":201.23001,"sentiment":"neutral","sentiment_score":0.048582231625914574},{"text":"Yes.","start":205.45,"end":205.785,"sentiment":"neutral","sentiment_score":0.13100723922252655},{"text":"4 thousand.","start":205.785,"end":214.925,"sentiment":"neutral","sentiment_score":0.14778891950845718},{"text":"$4,056.","start":219.30501,"end":221.55,"sentiment":"neutral","sentiment_score":0.14026425778865814}],"sentiment":"neutral","sentiment_score":0.1806511018763889,"num_words":33,"start":183.495,"end":221.55},{"sentences":[{"text":"Okay.","start":221.79001,"end":222.29001,"sentiment":"neutral","sentiment_score":0.15750497579574585},{"text":"And you and that will be all in this documentation so my me and my wife can read it and then we'll understand what's going on.","start":222.75,"end":230.35,"sentiment":"neutral","sentiment_score":0.18567838663092026},{"text":"Correct?","start":230.35,"end":230.85,"sentiment":"neutral","sentiment_score":0.12909573316574097},{"text":"Yes.","start":241.945,"end":242.445,"sentiment":"positive","sentiment_score":0.34209924936294556},{"text":"Yes.","start":245.225,"end":245.725,"sentiment":"positive","sentiment_score":0.4290645718574524}],"sentiment":"neutral","sentiment_score":0.19618008608619372,"num_words":30,"start":221.79001,"end":245.725},{"sentences":[{"text":"Yeah.","start":250.29,"end":250.53,"sentiment":"neutral","sentiment_score":0.19099605083465576},{"text":"And that's and that's on and that's on a fortnightly basis contribution.","start":250.53,"end":254.39,"sentiment":"neutral","sentiment_score":0.14342990765968958},{"text":"Correct?","start":254.61,"end":255.11,"sentiment":"neutral","sentiment_score":0.07583622634410858},{"text":"Yes.","start":261.09,"end":261.525,"sentiment":"neutral","sentiment_score":0.06404773890972137},{"text":"Alright.","start":261.76498,"end":262.005,"sentiment":"neutral","sentiment_score":0.10042855143547058}],"sentiment":"neutral","sentiment_score":0.13452921621501446,"num_words":16,"start":250.29,"end":262.005},{"sentences":[{"text":"Alright.","start":262.005,"end":262.505,"sentiment":"neutral","sentiment_score":0.10691440105438232},{"text":"Well, if you send that through, I'll read through it this this couple of days.","start":262.725,"end":267.785,"sentiment":"neutral","sentiment_score":0.057404819627602896},{"text":"Probably not today, tomorrow, on the weekend.","start":268.085,"end":270.16498,"sentiment":"neutral","sentiment_score":-0.08786196155207497},{"text":"And then can I call you back on Monday?","start":270.16498,"end":272.645,"sentiment":"neutral","sentiment_score":-0.012193605510724915},{"text":"I know you're very busy, but can if I have any questions, can I call you back on Monday?","start":272.645,"end":276.72,"sentiment":"neutral","sentiment_score":-0.029070054131903146}],"sentiment":"neutral","sentiment_score":-0.006061186539191825,"num_words":51,"start":262.005,"end":276.72},{"sentences":[{"text":"Yep.","start":286.16,"end":286.32,"sentiment":"neutral","sentiment_score":0.06459153443574905},{"text":"Yep.","start":286.32,"end":286.56,"sentiment":"neutral","sentiment_score":0.06569556146860123},{"text":"Oh, cool.","start":286.56,"end":287.38,"sentiment":"neutral","sentiment_score":0.1613420844078064},{"text":"I'm just checking.","start":298.535,"end":299.595,"sentiment":"neutral","sentiment_score":-0.07555328557888667},{"text":"I don't see it in my email.","start":299.655,"end":302.23502,"sentiment":"neutral","sentiment_score":-0.26876617542334963}],"sentiment":"neutral","sentiment_score":-0.1182179871414389,"num_words":14,"start":286.16,"end":302.23502},{"sentences":[{"text":"I'm just having a look in the spam now.","start":305.255,"end":307.68,"sentiment":"neutral","sentiment_score":-0.23036754296885598},{"text":"Alright, Larissa.","start":307.68,"end":308.42,"sentiment":"neutral","sentiment_score":0.02087586373090744},{"text":"Alrighty.","start":309.92,"end":310.42,"sentiment":"neutral","sentiment_score":0.15575110912322998},{"text":"Alright.","start":311.28,"end":311.68,"sentiment":"neutral","sentiment_score":0.26255592703819275},{"text":"Thanks, Larissa.","start":311.68,"end":312.48,"sentiment":"positive","sentiment_score":0.5291416347026825}],"sentiment":"neutral","sentiment_score":-0.03699772357940674,"num_words":15,"start":305.255,"end":312.48},{"sentences":[{"text":"I appreciate all that.","start":312.48,"end":314.02,"sentiment":"positive","sentiment_score":0.6462231576442719},{"text":"I'll I'll move that to my special folder, and I'll go through that.","start":314.24,"end":322.41293,"sentiment":"positive","sentiment_score":0.3839927590810336},{"text":"Thank you for your time.","start":322.49292,"end":324.19293,"sentiment":"positive","sentiment_score":0.6200743794441224},{"text":"Yeah.","start":324.25293,"end":324.41293,"sentiment":"neutral","sentiment_score":0.1741110384464264},{"text":"You have a good day.","start":324.41293,"end":327.71292,"sentiment":"positive","sentiment_score":0.5048403263092041}],"sentiment":"positive","sentiment_score":0.4776958237801279,"num_words":28,"start":312.48,"end":327.71292},{"sentences":[{"text":"See you.","start":327.77292,"end":328.33295,"sentiment":"positive","sentiment_score":0.3775825649499893},{"text":"Bye.","start":328.33295,"end":328.83295,"sentiment":"neutral","sentiment_score":-0.09657703340053558}],"sentiment":"neutral","sentiment_score":0.21952936549981436,"num_words":3,"start":327.77292,"end":328.83295}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Hi, Casa.\n\nChannel 1: Hello?\n\nChannel 0: Thanks for giving me a callback.\n\nChannel 1: Yeah. Sorry. I was calling a place about importing the car to New Zealand, and I've lost track of time when I saw the time when you called.\n\nChannel 0: No. That's okay. I completely understand. Life gets away from us some days.\n\nChannel 1: Yeah.\n\nChannel 0: So the the obviously, the reason of my call was I was giving you a call to go through the advice document that we discussed the other day. I\n\nChannel 1: Yep.\n\nChannel 0: had been able to run all of the figures with respect\n\nChannel 1: Mhmm. Yes.\n\nChannel 0: to adding additional contributions into your super fund. I did put a couple of, like, alternatives. So, you know, how we sort of spoke about, like, 3,\n\nChannel 1: Yes.\n\nChannel 0: 4, and 500 per fortnight. I have\n\nChannel 1: Yes.\n\nChannel 0: recommended that we go ahead with $400 a fortnight into the\n\nChannel 1: Okay.\n\nChannel 0: fund.\n\nChannel 1: Mhmm.\n\nChannel 0: But in the, appendix, so in the second document that's attached, I\n\nChannel 1: Mhmm.\n\nChannel 0: did put, like, the alternatives for you as well to just show if you did $300 a fortnight, how that tax proposition, works,\n\nChannel 1: Yep.\n\nChannel 0: and if you did $500 a fortnight as well.\n\nChannel 1: Okay.\n\nChannel 0: Now if you did go with $500 a fortnight, it does still work out. It's just that you're over the concessional cap each, year\n\nChannel 1: Sorry?\n\nChannel 0: by a little bit,\n\nChannel 1: Mhmm.\n\nChannel 0: but you have enough, in terms of a carry forward contribution position that you could actually you could go ahead with $500 a fortnight. But\n\nChannel 1: Okay.\n\nChannel 0: I do know that you're you're you're wanting to, like, move to New Zealand. You wanna do a bunch of things. So I didn't wanna put too much of your money into this one strategy\n\nChannel 1: Yes.\n\nChannel 0: and possibly look at, like, alternative strategies down the line as well where we can keep\n\nChannel 1: Yep.\n\nChannel 0: your money liquid for yourself rather\n\nChannel 1: Yep.\n\nChannel 0: than tie all of it up in your superannuation.\n\nChannel 1: Yeah. Yeah. Okay. That's cool. Yeah.\n\nYeah. I reckon the 400 probably be the safer bet. And that means we apply for that thing at the end of the tank. What's the thing we apply for, you see?\n\nChannel 0: The notice of intent to claim. So what what I would wanna do is is basically set up a contribution strategy, and we'll put it into your hub twenty four fund. So while your contributions from your employer are going into ING, we'll actually\n\nChannel 1: Yes.\n\nChannel 0: get you to put this money into hub twenty\n\nChannel 1: Yes.\n\nChannel 0: four. And then what we do is once we hit the end of the financial year, we submit a a a document. We do it for you,\n\nChannel 1: Yes.\n\nChannel 0: and then it pops up on your tax return.\n\nChannel 1: Okay.\n\nChannel 0: And there's nothing too much that you need to do. It just pops up on your tax return. You get to claim that that back on your tax.\n\nChannel 1: Yeah. How much how much would it how much would I be able to get extra in my tax return doing it that way on $400? Did did\n\nChannel 0: Yes. So, basically, currently so basic like, without\n\nChannel 1: you know?\n\nChannel 0: con without considering any other tax deductions,\n\nChannel 1: Yes. 4\n\nChannel 0: you would essentially get about $4,056 back from your tax by making those contributions.\n\nChannel 1: thousand.\n\nChannel 0: So you'll save that in tax on your taxable income.\n\nChannel 1: $4,056. Okay.\n\nChannel 0: Yeah.\n\nChannel 1: And you and that will be all in this documentation so my me and my wife can read it and then we'll understand what's going on. Correct?\n\nChannel 0: Yes. Yeah. Yeah. It it's it's I've laid it out pretty simply. Basically, the the the good I guess, the good part of it starts on page nine of that first document where it's,\n\nChannel 1: Yes.\n\nChannel 0: like, the actual recommendation strategy, and then\n\nChannel 1: Yes.\n\nChannel 0: it sort of line it lines it all out for you and just explains where everything sits.\n\nChannel 1: Yeah. And that's and that's on and that's on a fortnightly basis contribution. Correct?\n\nChannel 0: Yes. The the the four four thousand $400 a fortnight.\n\nChannel 1: Yes. Alright. Alright. Well, if you send that through, I'll read through it this this couple of days. Probably not today, tomorrow, on the weekend.\n\nAnd then can I call you back on Monday? I know you're very busy, but\n\nChannel 0: Yeah.\n\nChannel 1: can if I have\n\nChannel 0: Yeah.\n\nChannel 1: any questions, can I call you back on Monday?\n\nChannel 0: Absolutely. Yeah. Yeah. Just give me a call Monday, and I'll make myself as available as possible. Worst case scenario, I'll give you a callback within thirty minutes of you calling.\n\nChannel 1: Yep. Yep. Oh, cool.\n\nChannel 0: But yeah. No. I've already sent the documents to you, so that'll be sitting in your email. And it just comes through through through OdooSign. So it's there for you to be able to review and sign it.\n\nChannel 1: I'm just checking. I don't see it in my email.\n\nChannel 0: Is it in your spam by any chance?\n\nChannel 1: I'm just having a look in the spam now. Alright, Larissa.\n\nChannel 0: They seem to go there.\n\nChannel 1: Alrighty. Alright. Thanks, Larissa. I appreciate all that. I'll\n\nChannel 0: No stress at all.\n\nChannel 1: I'll move that to my special folder, and I'll go through that. Thank you for your time.\n\nChannel 0: That's\n\nChannel 1: Yeah. You\n\nChannel 0: okay.\n\nChannel 1: have a good\n\nChannel 0: You have a you too, Caswell. Bye.\n\nChannel 1: day. See you. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Casa.","start":2.96,"end":3.52,"sentiment":"neutral","sentiment_score":0.12290073186159134}],"sentiment":"neutral","sentiment_score":0.12290073186159134,"channel":0,"num_words":2,"start":2.96,"end":3.52},{"sentences":[{"text":"Hello?","start":3.36,"end":3.86,"sentiment":"neutral","sentiment_score":0.18000884354114532}],"sentiment":"neutral","sentiment_score":0.18000884354114532,"channel":1,"num_words":1,"start":3.36,"end":3.86},{"sentences":[{"text":"Thanks for giving me a callback.","start":3.52,"end":4.8199997,"sentiment":"positive","sentiment_score":0.5999664266904196}],"sentiment":"positive","sentiment_score":0.5999664266904196,"channel":0,"num_words":6,"start":3.52,"end":4.8199997},{"sentences":[{"text":"Yeah.","start":5.7599998,"end":6.16,"sentiment":"neutral","sentiment_score":0.05362919718027115},{"text":"Sorry.","start":6.16,"end":6.66,"sentiment":"neutral","sentiment_score":-0.12057632207870483},{"text":"I was calling a place about importing the car to New Zealand, and I've lost track of time when I saw the time when you called.","start":6.7999997,"end":14.82,"sentiment":"neutral","sentiment_score":-0.19014708525859392}],"sentiment":"neutral","sentiment_score":-0.17895611934363842,"channel":1,"num_words":28,"start":5.7599998,"end":14.82},{"sentences":[{"text":"No.","start":15.585,"end":15.745,"sentiment":"neutral","sentiment_score":-0.2515314817428589},{"text":"That's okay.","start":15.745,"end":16.625,"sentiment":"neutral","sentiment_score":-0.2188705950975418},{"text":"I completely understand.","start":16.625,"end":18.164999,"sentiment":"neutral","sentiment_score":-0.15739771723747253},{"text":"Life gets away from us some days.","start":18.465,"end":20.005,"sentiment":"negative","sentiment_score":-0.41556574617113384}],"sentiment":"neutral","sentiment_score":-0.31310969591140747,"channel":0,"num_words":13,"start":15.585,"end":20.005},{"sentences":[{"text":"Yeah.","start":20.785,"end":21.285,"sentiment":"neutral","sentiment_score":-0.008561573922634125}],"sentiment":"neutral","sentiment_score":-0.008561573922634125,"channel":1,"num_words":1,"start":20.785,"end":21.285},{"sentences":[{"text":"So the the obviously, the reason of my call was I was giving you a call to go through the advice document that we discussed the other day.","start":22.465,"end":38.17,"sentiment":"neutral","sentiment_score":0.07365711791706937},{"text":"I","start":38.949997,"end":39.11,"sentiment":"neutral","sentiment_score":0.1362791806459427}],"sentiment":"neutral","sentiment_score":0.0758164993904788,"channel":0,"num_words":29,"start":22.465,"end":39.11},{"sentences":[{"text":"Yep.","start":38.95,"end":39.45,"sentiment":"neutral","sentiment_score":0.21710318326950073}],"sentiment":"neutral","sentiment_score":0.21710318326950073,"channel":1,"num_words":1,"start":38.95,"end":39.45},{"sentences":[{"text":"had been able to run all of the figures with respect","start":39.11,"end":43.635002,"sentiment":"neutral","sentiment_score":0.2901122651316903}],"sentiment":"neutral","sentiment_score":0.2901122651316903,"channel":0,"num_words":11,"start":39.11,"end":43.635002},{"sentences":[{"text":"Mhmm.","start":44.355,"end":44.855,"sentiment":"neutral","sentiment_score":0.1186242327094078},{"text":"Yes.","start":45.075,"end":45.575,"sentiment":"neutral","sentiment_score":0.14280395209789276}],"sentiment":"neutral","sentiment_score":0.13071409240365028,"channel":1,"num_words":2,"start":44.355,"end":45.575},{"sentences":[{"text":"to adding additional contributions into your super fund.","start":45.855,"end":48.995,"sentiment":"neutral","sentiment_score":0.16559152957051992},{"text":"I did put a couple of, like, alternatives.","start":49.615,"end":52.115,"sentiment":"neutral","sentiment_score":0.1511604581028223},{"text":"So, you know, how we sort of spoke about, like, 3,","start":52.175,"end":54.91,"sentiment":"neutral","sentiment_score":0.07679136977954344}],"sentiment":"neutral","sentiment_score":0.12513781366524873,"channel":0,"num_words":27,"start":45.855,"end":54.91},{"sentences":[{"text":"Yes.","start":54.754997,"end":55.254997,"sentiment":"neutral","sentiment_score":0.10051335394382475}],"sentiment":"neutral","sentiment_score":0.10051335394382475,"channel":1,"num_words":1,"start":54.754997,"end":55.254997},{"sentences":[{"text":"4, and 500 per fortnight.","start":54.91,"end":56.61,"sentiment":"neutral","sentiment_score":0.07279113680124283},{"text":"I have","start":57.07,"end":57.55,"sentiment":"neutral","sentiment_score":0.09875943511724472}],"sentiment":"neutral","sentiment_score":0.0802106506058148,"channel":0,"num_words":7,"start":54.91,"end":57.55},{"sentences":[{"text":"Yes.","start":57.315,"end":57.81,"sentiment":"neutral","sentiment_score":0.2161840945482254}],"sentiment":"neutral","sentiment_score":0.2161840945482254,"channel":1,"num_words":1,"start":57.315,"end":57.81},{"sentences":[{"text":"recommended that we go ahead with $400 a fortnight into the","start":57.55,"end":61.87,"sentiment":"neutral","sentiment_score":0.21281275559555402}],"sentiment":"neutral","sentiment_score":0.21281275559555402,"channel":0,"num_words":11,"start":57.55,"end":61.87},{"sentences":[{"text":"Okay.","start":61.73,"end":62.23,"sentiment":"neutral","sentiment_score":0.11306697130203248}],"sentiment":"neutral","sentiment_score":0.11306697130203248,"channel":1,"num_words":1,"start":61.73,"end":62.23},{"sentences":[{"text":"fund.","start":61.87,"end":62.37,"sentiment":"neutral","sentiment_score":0.07965656369924545}],"sentiment":"neutral","sentiment_score":0.07965656369924545,"channel":0,"num_words":1,"start":61.87,"end":62.37},{"sentences":[{"text":"Mhmm.","start":63.41,"end":63.91,"sentiment":"neutral","sentiment_score":0.06864378601312637}],"sentiment":"neutral","sentiment_score":0.06864378601312637,"channel":1,"num_words":1,"start":63.41,"end":63.91},{"sentences":[{"text":"But in the, appendix, so in the second document that's attached, I","start":64.43,"end":70.905,"sentiment":"neutral","sentiment_score":0.06682565125326316}],"sentiment":"neutral","sentiment_score":0.06682565125326316,"channel":0,"num_words":12,"start":64.43,"end":70.905},{"sentences":[{"text":"Mhmm.","start":70.770004,"end":71.270004,"sentiment":"neutral","sentiment_score":0.12008831650018692}],"sentiment":"neutral","sentiment_score":0.12008831650018692,"channel":1,"num_words":1,"start":70.770004,"end":71.270004},{"sentences":[{"text":"did put, like, the alternatives for you as well to just show if you did $300 a fortnight, how that tax proposition, works,","start":70.965,"end":79.945,"sentiment":"neutral","sentiment_score":0.14781319090853567}],"sentiment":"neutral","sentiment_score":0.14781319090853567,"channel":0,"num_words":23,"start":70.965,"end":79.945},{"sentences":[{"text":"Yep.","start":79.935,"end":80.435,"sentiment":"neutral","sentiment_score":0.1782757043838501}],"sentiment":"neutral","sentiment_score":0.1782757043838501,"channel":1,"num_words":1,"start":79.935,"end":80.435},{"sentences":[{"text":"and if you did $500 a fortnight as well.","start":80.485,"end":83.384995,"sentiment":"neutral","sentiment_score":0.13701783782906002}],"sentiment":"neutral","sentiment_score":0.13701783782906002,"channel":0,"num_words":9,"start":80.485,"end":83.384995},{"sentences":[{"text":"Okay.","start":84.095,"end":84.595,"sentiment":"neutral","sentiment_score":0.15513180196285248}],"sentiment":"neutral","sentiment_score":0.15513180196285248,"channel":1,"num_words":1,"start":84.095,"end":84.595},{"sentences":[{"text":"Now if you did go 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The agent explains that the customer can move to New Zealand and suggests a contribution strategy for $400 a fortnight. The agent reads through the document and explains where everything sits, and the customer agrees to it. The agent promises to call the customer back on Monday to clarify the process."},"intents":{"segments":[{"text":"So the the obviously, the reason of my call was I was giving you a call to go through the advice document that we discussed the other day. I Yep.","start_word":51,"end_word":80,"intents":[{"intent":"Discuss advice document","confidence_score":0.078495316}]},{"text":"I did put a couple of, like, alternatives. So, you know, how we sort of spoke about, like, 3, Yes. 4, and 500 per fortnight.","start_word":102,"end_word":126,"intents":[{"intent":"Show alternatives","confidence_score":0.0030935719},{"intent":"Compliment alternatives","confidence_score":0.0000494692}]},{"text":"recommended that we go ahead with $400 a fortnight into the Okay. fund.","start_word":130,"end_word":142,"intents":[{"intent":"Inquire about budget","confidence_score":0.00043224776}]},{"text":"I do know that you're you're you're wanting to, like, move to New Zealand. You wanna do a bunch of things. So I didn't wanna put too much of your money into this one strategy Yes.","start_word":247,"end_word":282,"intents":[{"intent":"Clarify plan","confidence_score":0.0028827596},{"intent":"Express desire to move to new zealand","confidence_score":0.010914959}]},{"text":"So what what I would wanna do is is basically set up a contribution strategy, and we'll put it into your hub twenty four fund. So while your contributions from your employer are going into ING, we'll actually Yes. get you to put this money into hub twenty Yes. four.","start_word":360,"end_word":409,"intents":[{"intent":"Set up contribution strategy","confidence_score":0.38372442}]},{"text":"And then what we do is once we hit the end of the financial year, we submit a a a document. We do it for you, Yes. and then it pops up on your tax return. Okay.","start_word":410,"end_word":446,"intents":[{"intent":"Submit document","confidence_score":0.8186518}]},{"text":"So you'll save that in tax on your taxable income. $4,056.","start_word":537,"end_word":547,"intents":[{"intent":"Save tax","confidence_score":0.25708959}]},{"text":"Basically, the the the good I guess, the good part of it starts on page nine of that first document where it's, Yes. like, the actual recommendation strategy, and then Yes. it sort of line it lines it all out for you and just explains where everything sits. Yeah.","start_word":590,"end_word":638,"intents":[{"intent":"Recommend document","confidence_score":0.0083528515}]},{"text":"any questions, can I call you back on Monday? Absolutely. Yeah.","start_word":707,"end_word":717,"intents":[{"intent":"Ask question","confidence_score":0.0010081929}]},{"text":"Just give me a call Monday, and I'll make myself as available as possible. Worst case scenario, I'll give you a callback within thirty minutes of you calling. Yep.","start_word":719,"end_word":747,"intents":[{"intent":"Request callback","confidence_score":0.20496619}]},{"text":"I'm just having a look in the spam now. Alright, Larissa.","start_word":807,"end_word":817,"intents":[{"intent":"Check spam","confidence_score":0.069705345}]}]},"sentiments":{"segments":[{"text":"Hi, Casa. Hello?","start_word":0,"end_word":2,"sentiment":"neutral","sentiment_score":0.1419367790222168},{"text":"Thanks for giving me a callback.","start_word":3,"end_word":8,"sentiment":"positive","sentiment_score":0.6083856225013733},{"text":"Yeah. Sorry. I was calling a place about importing the car to New Zealand, and I've lost track of time when I saw the time when you called. No. That's okay. I completely understand.","start_word":9,"end_word":42,"sentiment":"neutral","sentiment_score":-0.1819869428873062},{"text":"Life gets away from us some days.","start_word":43,"end_word":49,"sentiment":"negative","sentiment_score":-0.4100792407989502},{"text":"Yeah. So the the obviously, the reason of my call was I was giving you a call to go through the advice document that we discussed the other day. I Yep. had been able to run all of the figures with respect Mhmm. Yes. to adding additional contributions into your super fund. I did put a couple of, like, alternatives. So, you know, how we sort of spoke about, like, 3, Yes. 4, and 500 per fortnight. I have Yes. recommended that we go ahead with $400 a fortnight into the Okay. fund. Mhmm. But in the, appendix, so in the second document that's attached, I Mhmm. did put, like, the alternatives for you as well to just show if you did $300 a fortnight, how that tax proposition, works, Yep. and if you did $500 a fortnight as well. Okay. Now if you did go with $500 a fortnight, it does still work out. It's just that you're over the concessional cap each, year Sorry? by a little bit, Mhmm. but you have enough, in terms of a carry forward contribution position that you could actually you could go ahead with $500 a fortnight. But Okay. I do know that you're you're you're wanting to, like, move to New Zealand. You wanna do a bunch of things. So I didn't wanna put too much of your money into this one strategy Yes. and possibly look at, like, alternative strategies down the line as well where we can keep Yep. your money liquid for yourself rather Yep. than tie all of it up in your superannuation. Yeah. Yeah.","start_word":50,"end_word":317,"sentiment":"neutral","sentiment_score":0.11884691310462668},{"text":"Okay. That's cool. Yeah. Yeah. I reckon the 400 probably be the safer bet.","start_word":318,"end_word":331,"sentiment":"positive","sentiment_score":0.4827094972133637},{"text":"And that means we apply for that thing at the end of the tank. What's the thing we apply for, you see? The notice of intent to claim. So what what I would wanna do is is basically set up a contribution strategy, and we'll put it into your hub twenty four fund. So while your contributions from your employer are going into ING, we'll actually Yes. get you to put this money into hub twenty Yes. four. And then what we do is once we hit the end of the financial year, we submit a a a document. We do it for you, Yes. and then it pops up on your tax return. Okay. And there's nothing too much that you need to do. It just pops up on your tax return. You get to claim that that back on your tax. Yeah. How much how much would it how much would I be able to get extra in my tax return doing it that way on $400? Did did Yes. So, basically, currently so basic like, without you know? con without considering any other tax deductions, Yes. 4 you would essentially get about $4,056 back from your tax by making those contributions. thousand. So you'll save that in tax on your taxable income. $4,056. Okay. Yeah. And you and that will be all in this documentation so my me and my wife can read it and then we'll understand what's going on. Correct? Yes. Yeah. Yeah. It it's it's I've laid it out pretty simply.","start_word":332,"end_word":588,"sentiment":"neutral","sentiment_score":0.19086222350597384},{"text":"Basically, the the the good I guess, the good part of it starts on page nine of that first document where it's, Yes. like, the actual recommendation strategy, and then Yes. it sort of line it lines it all out for you and just explains where everything sits.","start_word":589,"end_word":636,"sentiment":"positive","sentiment_score":0.3867587447166443},{"text":"Yeah. And that's and that's on and that's on a fortnightly basis contribution. Correct? Yes. The the the four four thousand $400 a fortnight. Yes. Alright. Alright. Well, if you send that through, I'll read through it this this couple of days. Probably not today, tomorrow, on the weekend. And then can I call you back on Monday? I know you're very busy, but Yeah. can if I have Yeah. any questions, can I call you back on Monday? Absolutely. Yeah. Yeah. Just give me a call Monday, and I'll make myself as available as possible. Worst case scenario, I'll give you a callback within thirty minutes of you calling. Yep. Yep. Oh, cool. But yeah. No. I've already sent the documents to you, so that'll be sitting in your email. And it just comes through through through OdooSign. So it's there for you to be able to review and sign it. I'm just checking. I don't see it in my email. Is it in your spam by any chance? I'm just having a look in the spam now. Alright, Larissa. They seem to go there. Alrighty. Alright.","start_word":637,"end_word":824,"sentiment":"neutral","sentiment_score":0.017157679423689842},{"text":"Thanks, Larissa. I appreciate all that. I'll No stress at all. I'll move that to my special folder, and I'll go through that. Thank you for your time.","start_word":825,"end_word":852,"sentiment":"positive","sentiment_score":0.457258015871048},{"text":"That's Yeah. 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