On a tight budget? Your fear that eating healthy is beyond you means? To keep expenses low you are opt for processed food or take aways? The first budget healthy food recipe on cooking a Chocolate Fondant carefully prepared by the renowned Chef Neil Darmanin specifically for ĠEMMA What can you do to eat healthy…
The ĠEMMA team is pleased to present Part II in the series of its Little Black Book of Scams and Frauds. This new e-book discusses the following frauds and scams and offers you tips to protect yourself: ATM use fraud. Elderly relatives financial fraud. Cold Calling scams Business e-Mail compromise fraud Phishing, Vishing, Smishing and…
DOWNLOAD ĠEMMA PULSE SURVEY ON HOUSEHOLD MONEY MANAGEMENT APRIL AND MAY 2020 ĠEMMA, government’s financial capability education platform, is carrying out a longitudinal study on Household Money Management within the context of the COVID-19 situation. The first report which surveys opinion in March and April 2020 is launched. The survey was carried out by EMCS. …
You decided to go overseas to further your studies or to carry out an internship necessary for you to graduate. Do not under estimate the money challenges of studying abroad – particularly if this is the first time you will be living abroad for some extended time. Studying abroad places pressure on you – settling…
Money Management and Economic Recovery The Government on Monday 8th June announced a number of money management measures that you should be aware of. These are: If your business operates in the tourist accommodation, travel agencies, language schools, events organisation, and air transport you will continue to receive the monthly €800 wage supplement per employee…
Money Management and Economic Recovery The Government on Monday 8th June announced a number of money management measures that you should be aware of. These are: If you work in the tourist accommodation, travel agencies, language schools, events organisation, and air transport the monthly €800 wage supplement is retained till the end of September. If…
The ĠEMMA team has uploaded a new calculator – the ‘Savings Calculator’. This Calculator helps you to work out the following: Your total savings including interest earned from the day you start to invest. The period during which you save is set to a maximum of 45 years. The calculator allows you to set the…
ĠEMMA in 2019 launched an EU ESF co-financed financial capability directed towards 14 groups which were identified through consultation when the Retirement and Financial Capability Strategy (2017-2019) strategy was being drafted. Teenagers are identified as a vulnerable group. Teenagers acquire financial capability skills from two sources. First, from education. The new curriculum introduced in 2012…
The ĠEMMA team has revamped its Compound Interest Calculator. The compound interest principle is one of the most important principles in money management. Compound interest and time are your most effective strategy tools to accumulate wealth. Even small deposits to a savings or retirement plan started early and invested over the long term will significantly…
One particular term relating to credit cards that confuses the mind is the ‘Annual Percentage Rate’ – or as it is better known, the APR. The purpose of this post is to de-mistify the APR. A credit card comes with an interest rate. This is the price you pay for borrowing money. When you buy…
