Retrospective – If you stop working for a period during your working life and resume at a later stage, your state pension may be affected. If you do not have a full contribution record, you risk not qualifying for the full two-thirds pension. This means you will have a reduced pension income. If you are…
Over 51 entries were entered by 36 different authors in the ĠEMMA Financial Capability Education Fun Books Competition which closed on the 30th September 2020. The stories needed to cover topics related to financial capability like managing a debt; budgeting; building a safety net; planning for the future; underdstanding basic investment and understanding basic consumer…
The ĠEMMA Risk Profile Quiz COVID-19 is having a negative impact on businesses and economies. For some of you this may be an opportunity – investing in shares whilst they are down: as the adage goes, what goes down, goes up. With the banking sector rendering it hard to get much interest back these days…
The Minister for the Economy, Investment and Small Businesses Silvio Schembri spoke about how many couples had to postpone or cancel their wedding/civil unions altogether this year due to the COVID-19 pandemic. Unfortunately, some deposits have been lost too. In light of this, couples whose weddings/civil unions had to take place between 8th March and…
The Handbook is in Maltese and provides guidance and tips in relation to: A self-employed person’s obligations under the laws of Malta. Importance of paying yourself a wage as well as family members who work with you. Separating immediately on being paid the amount you need to pay for VAT and income tax purposes. Importance…
ĠEMMA is running a financial capability education campaign that is co-financed under the European Social Fund. The campaign is directed towards different 14 categories of persons. As part of its campaign ĠEMMA has launched the following handbook titled ‘Taħdem għal rasek?’ providing guidance and tips to persons who are self-employed on financial capability and money…
Click below to download the ĠEMMA e-Book on How to Go Self-employed in Malta. Click here to see the ĠEMMA Webinar on being Self-employed. On 30th September, ĠEMMA organised a webinar on being self-employed. During the Seminar, Mr David Spiteri Gingell launched its e-Book on how to go self-employed in Malta. The eBooks provide information…
Interest is often thought of as the amount of money a bank charges you for a loan you take out. The term interest also refers to the income you earn on savings and investments. There are different forms your retirement plan can take so that you build a retirement egg nest. You can save in…
Are you thinking of going self-employed? Or, are you self-employed but not sure whether you are meeting the necessary regulatory obligations that self-employment brings with it? This ĠEMMA eBook is designed to provide you with the necessary knowledge and understanding of the questions you need to ask but to which you have no answers. There…
The Poster Competition Award Ceremony took place on the 22nd September at Esplora Interactive Science Centre in Kalkara. Minister for the Family, Children’s Rights and Social Solidarity Michael Falzon praised this initiative and the collaboration of partnerships between ĠEMMA, HSBC Malta Foundation and the Directorate for Learning and Assessment Programmes. He also stressed the importance…
