Gemma Ftit
https://www.youtube.com/watch?v=HN52cDT8RoI
Credit Card – Safeguard Yourself
Vigilance is crucial so take all the precautionary steps : Verify the trustworthiness of the online vendor – Look for “secure transaction” symbols. Compare card transactions with the actual receipts – any suspicious or unknown transactions? When keying in your PIN, cover the keypad so others cannot see. Be sure that you get your card…
Early/Voluntary Redundancy Scheme (ERS) (VRS) – What you need to know
If you are considering terminating your employment through an early/voluntary redundancy scheme you may wish to consider the following: Option AOption B ** If after the lapse of the six months you are still unemployed, registering under the Part I of the JOBs+ register, you are granted unemployment benefits (UB) and awarded with social security…
Kids Getting Budget Savvy!
14 August 2019 Kids Getting Budget Savvy! HSBC Malta Foundation and the Retirement and Financial Capability Group (RFCG) within the Ministry for the Family, Children’s Rights and Social Solidarity, through its Ġemma initiative, are collaborating on a financial literacy programme aimed at young children attending a number of Skolasajf centres this summer. Central to this…
Ways To Eliminate Credit Card Debt In Less Time
Reducing Your Credit Card Debt Credit cards usually have high interest rates. There are several ways you can reduce the cost of your credit card. First and foremost use debit cards since debit cards draw money directly from your checking account when you make the purchase. Pay More than the Minimum Repayment Paying the minimum…
Shall You Save Or Pay Off Your Credit Card First?
You pay more money over time in credit card interest charges. Focus on paying off debt first and place priority on those debts with highest interest rate. Therefore, jot down your complete financial situation and organise a realistic spending plan that will let you pay off debts. Keep to the plan!
Credit Card – The Granting Of A Loan
You are allowed to pay for credit-card purchases in two ways: full payment within a grace period of about a month, for which there is no interest fee or extended payments over a number of months, for which there are interest fees and charges. In many cases there is also an annual fee charged for…
Credit Card – Obtaining Goods or Services on Credit
Buy now, pay later: Goods, money, or services are given to you in exchange for the promise to pay at a future date. No money changes hands but you are billed monthly, because at the end of the day, money drawn would not have been drawn directly from your checking account, until the cost is…
Are you going abroad?
Going abroad is a financial goal, that requires thought, planning and a travelling budget. It is not just buying a flight ticket and placing a deposit on accommodation. There is much more to it. Do you need a checklist? Do you need a calculator to plan? Make the most of your abroad experience! Get our…