With the school year over and summer holidays beginning, many parents are looking for fun ways to spend time with their children without spending too much. Luckily, our islands are full of affordable and free activities that can make this summer memorable. Malta and Gozo offer beautiful beaches, countryside walks, and nature trails perfect for…
Retirement marks a major transition in an individual’s life. Daily routines shift, careers come to an end, and personal priorities often change. With more time for family, hobbies, travel, or even relaxation this stage of life can be deeply fulfilling, but it also brings new challenges, especially when it comes to finances. One of the…
The July 2025 edition of the Ġemma newsletter is now online. We encourage you to click on the image below to read the latest edition.
The March edition of the Ġemma newsletter is now online. We encourage you to click on the image below to read the latest edition.
The November edition of the Ġemma newsletter is now online. We encourage you to click on the image below to read the latest edition.
The July edition of the Ġemma newsletter is now online. We encourage you to click on the image below to read the latest edition.
This national research study carried out with Maltese residents aged between 18-79 years, formed part of an international study of adult financial literacy, led by OECD’s International Network on Financial Education (INFE) arm amongst 37 countries in 2023. Malta participated in the 2018 and 2023 OECD/INFE international surveys of adult financial literacy. In this Report,…
The March edition of the Ġemma newsletter is now online. We encourage you to click on the image below to read the latest edition.
Malta through ĠEMMA has participated in the the Organisation for Economic Cooperation and Development OECD/Internation Network for Financial Education (INFE) international research for measuring financial literacy and financial inclusion with research carried out by market research agency, M.FSADNI & Associates. Wednesday 6th March saw the launch of the outcomes of the OECD adult financial literacy…
Ingredients (makes 16 truffles) 395g can Sweetened Condensed Milk 30g Cocoa Powder, plus extra to dust Method Step 1 Place the condensed milk and cocoa in a medium saucepan over low heat. Cook, stirring, for 8 minutes or until mixture is very thick. Transfer mixture to a bowl. Set aside to cool slightly before placing…
