First and foremost, credits are credited contributions by the government and when entitled to, fill the gaps for when there are missing contributions in our contribution history sheet. Do not forget that the pension rate depends on the amount of contributions an employee contributes and credited contributions for which s/he is entitled to. Credited contributions…
Prices increase (inflation) and thus everybody would want their incomes to increase so as to keep up with rising prices. Obviously, prices of selected goods may increase for reasons unrelated to inflation. For example, the price of vegetables and fruit may rise when they are in shortage due to either heavy rainfalls or droughts. With…
By now, you would have surely read our first post related to saving on the back-to-school list. By acting wisely, the necessities for school will not become a financial burden every September. Do not shelve any idea that leads to saving. Wise choices pay off. Time spent planning is worth it. Make your ideas known. – Find…
Our spending behaviour survey carried out on facebook is complete. Our aim We conducted a research exercise to learn more about the spending behaviour and money management skills of adults residing in Malta. This survey consisted only 8 questions. The questions we asked: Do you often struggle to meet your expenses? Do you normally just…
Better safe than sorry, Become well-informed: General fraud prevention tips Safeguarding your debit / credit card Internet banking fraud protection Buying safely over the Internet The following are general fraud prevention tips that you should follow: Carry only necessary information with you. Leave your unused credits cards at home in a safe and secure location. Limit…
Part of a superb series of calculators designed to provide an insight of how best to start planning financially for the quality of life you would wish to have when you retire. To download the calculator, please click here. To view a presentation, that explains this calculator in more detail, please click here. An essential…
Learning is a lifelong pursuit, which is also celebrated in terms of study credits creditable for your study years upon retirement. You can go on our page for more information. If you have a question, just click on contact us.
In our prior posts, we have discussed the assessment of benefit claims, the outcome of which is your pension payment issued on a four-weekly basis. Is the state pension paid monthly? It has been a while, since the 1980s, that pension payments from the Department of Social Security have been paid in advance and every…
In a divorce or separation you will have to divide your finances. The first step in dividing your finances is making sure you know exactly what you own and owe, both as an individual and as a couple. Collect Copies of Important Papers ( (Tab 1) below) Make a List of what You own and…
Separating or divorcing is an enormous transition that can be very stressful. It will bring significant changes to you. In the event that you, unfortunately, have to go through a separation or a divorce you should make sure that you have a separation or divorce agreement. The Agreement …a written agreement that formally sets out…
