Some shots from our recent session at the Marsascala Day Centre. Today, we discussed the importance of being always vigilant to detect scams and fraud. We are receiving many enquiries from participants for these sessions and others aimed at different age groups. We look forward to carry out more money management talks in other localities.…
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…
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…
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…
The first thing to tackle is… What is a budget? Why is it important? It is a plan for managing your money and helps you plan for the future. Want to make the most of your money Don’t know where your money is going Don’t save money regularly Have problems paying your bills or debts…
ĠEMMA and HSBC Malta Foundation have once again collaborated together on SkolaSajf 2023. This year’s edition of Skolasjf is “Peace by Piece”, which encourages people to do their part, no matter how small, as everyone’s contribution will impact our overall wellbeing. Our focus is on teaching the children to become more aware of the importance of Social…
If you have a glass jar and fresh water, you can grow herbs right on your windowsill! You can keep your jam jars or sauce jars for this. If you don’t have any, you can buy some cheap decorative glass jars. You can start new herb plants by taking cuttings from existing plants and putting…
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…
The HSBC Malta Foundation in collaboration with ĠEMMA are hosting a competitive Financial Capability Quiz for all schools and launching their new ĠEMMA Financial literacy flashcards. The event is scheduled for Friday 28th April 2023 at 9.30am at St Nicholas College, Dingli Secondary School. The initiative is open to Years 7 and 8 students. The…
The first edition of the Ġemma newsletter is now online. We encourage you to click on the image below to read the latest edition.
