Are you thinking of going self-employed? Or, are you self-employed but not sure whether you are meeting the necessary regulatory obligations that self-employment brings with it? This ĠEMMA eBook is designed to provide you with the necessary knowledge and understanding of the questions you need to ask but to which you have no answers. There…
The Poster Competition Award Ceremony took place on the 22nd September at Esplora Interactive Science Centre in Kalkara. Minister for the Family, Children’s Rights and Social Solidarity Michael Falzon praised this initiative and the collaboration of partnerships between ĠEMMA, HSBC Malta Foundation and the Directorate for Learning and Assessment Programmes. He also stressed the importance…
ĠEMMA is running a financial capability education campaign that is co-financed under the European Social Fund. The campaign is directed towards 14 different categories of persons. As part of its campaign ĠEMMA has launched the following Handbook titled ‘Taħdem fin-negozju tal-familja? Il-bolla hija mod ta’ kif tassigura l-pensjoni tiegħek. Hallasha!’ directed towards persons who are…
An important aspect you need to take into account when you are planning for retirement is determining when you will actually retire. Do you wish to retire on your statutory date of retirement? Do you know your statutory date of retirement? If you do not, these are presented in Table I below. Table I– Understanding…
ĠEMMA is running a financial capability education campaign that is co-financed under the European Social Fund. The campaign is directed towards 14 different categories of persons. As part of its campaign ĠEMMA has launched the following Handbook titled ‘Sibt ruħek bla xogħol u għandek loan?, directed towards unemployed persons. The Handbook is in Maltese and…
The government pension system was introduced in 1979. It was designed in a manner that the pension income a person receives over time would be 2/3rd of the gross wage of the highest public service salary which in 1979 was equivalent to €13,980. The objective was that the 2/3rd relationship between the pension income and…
It is crucial to understand how the 10% social security contribution you pay monthly as an employee works. A wrong understanding of how this works can affect your decision making for retirement negatively. The 10% social security contribution is paid on your average gross wage only. This means that you do not pay any contribution…
ĠEMMA is running a financial capability education campaign that is co-financed under the European Social Fund. The campaign is directed towards 14 different categories of persons. As part of its, campaign ĠEMMA has launched the following Handbook titled ‘Kief tieħu ħsieb flusek jekk id-dħul tal-famila huwa baxx’ directed towards persons in low employment income. The…
The poster sets out the key message of the campaign. We at ĠEMMA encourage you to print any one of these posters and circulate them to people you know – like your butcher, stationery, grocer, etc. This results from the fact that persons who are employed with a family business receive a low wage. At…
ĠEMMA Know, Plan, and Act within the Ministry for the Family, Children’s Rights and Social Solidarity and the HSBC Malta Foundation and are once again collaborating on a financial capability programme directed at primary level children attending Skolasajf this summer. The programme is game and workshop based, titled ‘Fact or Fake’ which focuses on the…
