Loans and Debt

What is a loan? A loan is an arrangement under which a lender allows another party the use of funds in exchange for an interest payment and the return of the funds at the end of the lending arrangement. Generally when we speak about a loan we are referring to a sum of money that…

What is the purpose of a private pension?

Malta, like several other nations, is facing challenges posed by an aging population. As the proportion of elderly citizens continues to rise, the burden on the state pension system has increased significantly. At the same time, the low pension income may fall short of providing retirees with a comfortable standard of living. This combination of…

ĠEMMA & Skolasajf 2023

This year’s edition of Skolasajf organised by the Foundation for Educational Services was “Peace by Piece”. The theme encourages people to do their part, no matter how small, as everyone’s contribution will impact our overall well-being. The collaboration of ĠEMMA and HSBC Malta Foundation aimed at teaching the children to become more aware of the…

Minister for Social Policy and Children’s Rights Michael Falzon gives opening remarks at the European Network Conference on Debt Advice Development

The European Consumer Debt Network (ECDN) https://ecdn.eu/ held its European 2023 Conference at the Salini Resort Hotel on the 23rd March. This was a hybrid format full-day event with speakers and participants hailing from different European countries, taking part physically and online. The conference focused on EU funded project for the Provision of a European…

Low cost easter lunch

Appetizer – Classic Devilled Eggs These devilled eggs are delicious. Top them with different combinations to keep your imagination running and your guests’ taste buds rejoicing. Our devilled eggs recipe gives you a creamy taste that no one can resist…so be warned, once you put them down on the table, they will not be there…