Welcome to the Ginsburg Financial Services Blog site!

Mitzie is accredited with most Life Assurance Companies as well as Medical Schemes in SA to give advice on their products. She has been playing an important role in the industry for approximately 23 years and have received many awards for her time spent actively participating in the field.

Click on the links below to find out more about financial information, medical aid and keep up to date with what you need to do for your will and testaments.

COVID-19: Stay safe and rewarded with Vitality

Staying healthy and keeping others safe should be your number one priority right now. Vitality’s key principles have never been more relevant: exercise if you’re well, eat healthy food, and take preventive measures, like washing your hands and maintaining social distancing. We’re living in unprecedented times, and Vitality plays a central role in helping you stay healthy, with benefits and rewards tailored to our present reality. Our HealthyFood, HealthyCare, and HealthyGear benefits are more valuable than ever, giving members valuable discounts on all HealthyLiving items. And our Device Booster and Apple Watch benefits come in handy for members who would like to meet their exercise goals from home. We’ve taken the following immediate steps to give Vitality members peace of mind during this time Vitality Active Rewards maximum weekly goal drops to 700 points We have lowered the Vitality Active Rewards weekly goal from 900 to 700 Vitality points. This means if you are missing gym workouts, parkruns or myruns, you can still hit your weekly goal in a number of ways. For example, if you track 10 000 steps a day on your smartphone, you can earn 100 Vitality points – the same as when you go to the gym. Your Vitality gym discount is safe We are adjusting the 36-visits-in-12-months rule so that if you’ve been going to gym regularly until now, your discount won’t be affected if you decide to skip gym over this period. Look out for more details in the upcoming newsletter. Your HealthyLiving discounts will not be impacted We are pausing the 12-month cycle rule for members to do their Vitality Health Check... read more

Funders of trust structures beware of the looming tax changes

It is well known that trusts and estates have been under the magnifying glass of the South African Revenue Service (SARS) for a while now. This led to the introduction of an anti-avoidance measure (Section 7C of the Income Tax Act) effective from 1 March 2017, whereby SARS accesses growth in a trust. SARS wanted a way to access growth in assets, which people historically deliberately moved into a trust and thereby “froze” the value of the estate for estate duty purposes.

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New tax laws for expats

The laws around tax for South Africans who live and work abroad have changed and it’s important to work out whether or not you are now expected to pay tax on income you earn outside of the country. Carla Rossouw tackles this complex topic.

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Make the most of your tax benefits

The South African Revenue Service (SARS) have put several tax incentives in place to encourage us to save more for our retirement and other long-term goals. As the end of the tax year is approaching, now is a good time to maximise the available tax benefits.

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Is this the end of the 9 to 5?

It seems that the writing is on the wall for the traditional nine to five job. The world is becoming increasingly agile and flexible as employees juggle multiple jobs and incomes. You might call them hustlers, moonlighters or side jobbers but one thing is certain, there are more of them in the market today than ever before.

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