IAS - Insurance Advisory Service (NSW) Pty Ltd - Blog

Government takes first step in boosting Superannuation Guarantee to 12 percent

Andrew Baker — Wed, 02 Nov 2011 04:04:46 +0000

The federal government has introduced legislation into the House of Representatives to increase the superannuation guarantee from 9 per cent to 12 per cent. Read more…

Are you taking advantage of the current discount interest rates IAS can secure for you?

Andrew Baker — Fri, 05 Aug 2011 04:04:38 +0000

The home loan that you currently have may no longer be the best for you. It is important that we regularly talk about your debts to ensure that you have the best plan possible. Significant savings can be achieved by acting when changes in the market occur. Remember that by using a Broker to plan [...]

IAS Talks Financial Services at Sydney’s Northern Beaches Expo

Andrew Baker — Wed, 15 Jun 2011 05:41:22 +0000

IAS advisers Cath Baker and Jo Brassett were in attendance at the recent Northern Beaches Expo in Warriewood in Sydney. Cath and Jo met many of the local residents and there was a keen interest in discussing insurance, financial planning and residential finance. Many folk were also interested in learning more about what they could [...]

Is debt ruling your life?

Andrew Baker — Wed, 15 Jun 2011 00:24:45 +0000

Student debts, credit cards and personal loans can be a source of unnecessary stress and prevent you from enjoying other things in life. Clearing your debts doesn’t have to be hard work. With the right professional advice, it’s possible to get your finances on track sooner than you think. Which means you can get back [...]

Make your money work harder

Andrew Baker — Thu, 05 May 2011 02:42:31 +0000

Too young to start investing? It’s never too early to start. In fact, the earlier you start investing, the better – not only will you have more time in the market to increase your potential returns, but you will reap the benefits of compounding interest (or interest on your interest). A good place to start [...]

Get healthy and save

Andrew Baker — Thu, 05 May 2011 02:35:26 +0000

In Australia, we’re lucky enough to have one of the best lifestyles in the world. There’s no reason for Australians to be out of shape. But sadly, the most common killers in Australia have been heart disease and cancer. Cardiovascular disease affects one in every six Australians, or 67% of Australian families. By 2051, the [...]

Keeping up with ageing

Andrew Baker — Thu, 05 May 2011 02:25:07 +0000

Thanks in part to the prosperity and prolific creativity of the Baby Boomer generation and their fixation on living longer and maintaining their health (and their youth), we can all anticipate longer lifespans. German demographer James Vaupel estimates that the average girl born now in Western societies will live to 100. Many of today’s boys, [...]

Top 5 tax strategies as we approach the end of the financial year

Andrew Baker — Wed, 04 May 2011 06:23:55 +0000

One should not invest solely to obtain a tax benefit. Tax should never be the driver of investment decisions, however, there are tax strategies to consider as part of wealth creation planning. 1. Pre-pay interest and small asset write-offs Individuals not in business are able to prepay interest on loans used to purchase income-generating properties [...]

IAS advisers Cath Baker and Jo Brassett run to support breast cancer research

Andrew Baker — Wed, 04 May 2011 06:00:06 +0000

Cath and Jo are running in the Mother’s Day Classic on Sunday 8 May and raising funds for breast cancer research. They are proudly dedicating this run to Cath’s father-in-law, Bob Baker, who suffered from Breast Cancer and recovered to tell us the challenge he faced, and Cath’s cousin-in-law Tracy who is currently fighting this terrible disease. They are [...]

Too much of a good thing?

Andrew Baker — Mon, 04 Apr 2011 06:45:30 +0000

Last year approximately 40,000 people contributed too much to their superannuation, with these excess contributions attracting up to 46.5% tax. While the Government encourages us to top up our super by offering a favourable tax environment for super contributions and earnings, it also sets a limit on the amount of contributions that can be made [...]