ĠEMMA’s webinar on Putting Retirement on a Young Person’s Radar

ĠEMMA’s webinar on Putting Retirement on a Young Person’s Radar tackled the paradox that young people need to plan for their retirement at a time when they have significant pressure on their limited finance, priorities to get on the property ladder and naturally enjoying their new found freedom and youth. This notwithstanding, financial freedom in…

Managing your credit card Money Matters and the Family – Part 8 – Video 4

This is one of the videos ĠEMMA produced with the Central Bank of Malta in our money matters and the family. Let me introduce the ĠEMMA family.  I am Tony.  I am Maria’s husband.  I work as a manager in a large business in the services industry.  My wife, Maria, is 40 years old and…

The importance of knowing your money personality Money Matters and the Family – Part 7

It is essential to understand your and your spouse’s “money personality,” as we all have a unique way how we think about money — often shaped by how we were raised as a child. And our life experiences can cause us to feel specific patterns when it comes to spending or falls into certain habits.…

ĠEMMA on PRIME TIME

ĠEMMA, the Government initiative within the Ministry for Social Justice and Solidarity, the Family and Children’s Rights and the popular PRIME TIME programme have teamed together to exhibit in a creative style the educational work that ĠEMMA has been implementing on financial capability. These short televised sessions conducted by the renowned Owen Bonnici will be…

Are you born on and after 1962? Do you truly know how the pension system works in your regard?

On 18th June ĠEMMA posted the results of a survey it carried out the knowledge amongst persons who are born on and after 1962 on how the pension system works in their regard.  The general picture is worrying. Most people have an extremely vague idea of how the state pension system works and how it…

What makes a Self-employed Business Owner Financially Capable?

Are you self-employed? Do you know what makes a self-employed person financially capable? A study titled ‘Financial education for entrepreneurs’ (ACCA – 2014) concludes that a self-employed business owner to be financially capable must be able to: Distinguish between personal and business finances. Be a competent buyer of financial services – understanding financial products, their…