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Living Comfortably in Israel.

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What does ‘living comfortably’ mean to Israel’s Anglo community?

When planning your Aliyah or relocation budget you have to know how much it costs to live in Israel and how much you need every month to live comfortably.  In October 2014 we asked our Facebook group members what ‘living comfortably’ means to them.  A long discussion ensued and it was clear that comfortable meant many different things to different people. In an attempt to determine exactly what ‘comfortable’ means we designed an online survey, publicized it on 4 of the largest Israel-Anglo Facebook groups.  We also received many private emails with expanded information.  The survey was limited to 100 participants and typically one can expect a 10% margin of error on this number.

israel family living
Place of Origin %
USA & Canada 57.14
Central & South America 1.19
United Kingdom 16.67
Southern Africa 10.71
Australia & New Zealand 1.19
European country 8.33
Israel born 3.57
Other 1.19
Where will you be living in Israel or where do you live in Israel?
02 – Jerusalem area 29.76
03 – Gush Dan 19.05
04 – Haifa & the North 33.33
08 – Beer Sheva & the South 2.38
09 – The Sharon 15.48
How many people currently live in your household?
One 21.43
Two 21.43
Three 15.48
Four 16.67
Five or more 25.00
How many dependent children do you have in your household?
None 44.58
One 14.46
Two 15.66
Three 10.84
Four 8.43
Five or more 6.02
What is your approximate average monthly household income?  
 4,000 – 9,000 Shekels 42.68
 9,000 – 15,000 Shekels 24.39
15,000 – 20,000 Shekels 13.41
20,000 – 25,000 Shekels 7.32
25,000 – 30,000 Shekels 4.88
More than 30,000 Shekels 7.32
General Questions    Yes No Neither yes or no
I need to be employed to live comfortably in Israel 85.71 4.76 9.52
My spouse or partner needs to be employed as well 67.12 5.48 27.4
I need to own my own home or paying off a mortgage to be living  comfortably in Israel 38.46 44.87 16.67
I am happy living in rented accommodation 45.12 39.02 15.85
We must live in a fashionable neighborhood 14.10 65.38 20.51
We must have an air conditioner 90.36 7.23 2.41
We must have a clothes dryer 41.98 54.32 3.7
We must have a TV 50.0 47.5 2.5
We must have more than one TV 11.84 84.21 3.95
We must have cable TV 32.91 65.82 1.27
We must have at least one computer 98.81 1.19
We must have a computer or tablet for each member of the family 31.65 53.16 15.19
We must have the highest internet speed  33.33  59.26  7.41
I must have a mobile phone  97.62  2.38  —
All family members must have a mobile phone  48.75  38.75  12.5
All appliances or items of furniture etc. in our home must be bought new  9.88  79.01  11.11
We must have a fixed food budget  22.22  56.79  20.99
I am comfortable having either an overdraft, credit card debt or other outstanding loans 23.17 67.07 9.76
I must own my own car 51.22 40.24 8.54
We must have more than one car 18.99 68.35 12.66
My children must attend private schools 7.5 70.00 22.5
My children should be able to attend at least one “chug” – extra mural activity 58.02 16.05 25.93
My children should be able to attend two or more “chugim” 21.52 41.77 36.71
We must have a family holiday in Israel or abroad, at least once a year 50.00 32.93 17.07
We must be able to eat out regularly or at least once a month 55.42 34.94 9.64
We must be able to go to a movie, concert or other performance at least once a month 36.59 46.34 17.07
We must be able to afford new clothes or apparel at least once a month 27.71 56.63 15.66
I should be able to buy whatever I want 9.88 69.14 20.99
I should be able to buy whatever I need 86.75 6.02 7.23
I have dropped my standard of living in Israel 65.85 26.83 7.32

Other Anglo-list surveys and research

Your comments on this survey

-“Although our income is considerably lower in Israel, we are still able to scrape by and would not trade living in Israel for anything.”

-“It is tough, but somehow we manage!”

-“The most important thing when you arrive in Israel is to find kind and welcoming people, you will enjoy life a lot even if you standard of living drops a bit”

-“This does not address disabled people who can not either work, or get any additional assistance. I have NO QUALITY OF LIFE!, and am abused for my lack of language.”

-“I am still working in my country of origin so income is from abroad”

-“When people are planning to make Aliyah and are considering how much rent they can pay they should make provisions for arnona. I know several families who had to move after one year when their arnona discount ended because they could not afford to pay arnona on top of their rent. They incurred huge extra expenses in moving and paying another deposit on a new apartment etc. It would be better to get an apartment that they can afford long term and I think people coming especially from the USA aren’t used to paying taxes on rentals and may not be expecting to have this additional expense.”

-“Living in Israel is a down-grade, and it is difficult. I came, not for the comfort, but for Zionist ideals. However, it is certainly not enough to create a life here pragmatically speaking. Its no wonder that 50% of those making aliyah leave within the first 5 years…I wish there was more help. It is sad.”

-“When i was living in NYC you had to keep up with the others in the community the same in south beach Fl. But in Israel there Jews of all types so I do not feel the need to keep up with others so I can be happy with a lot less.”

-“While we had a much lower income when we lived in the US, we were at a very different stage of life. (Newlywed, no kids, husband was still in university, I had an entry-level job with a non-profit org….) So our standard of living only went up when we moved to Israel. :-)”

-“Not addressed: nanny/childcare expenses and housekeeping expenses are extremely low in Israel and will allow us to have more than one child while we both (choose to) work outside the home. My friends in the US cannot afford that.”

-“Should include income of less than 4000 NIS per month”

-“Should have asked about age of participants. Sounds like geared to young families. We have two kids who are already out of the house.”

-“Unwilling to share financial information. You leave out the satisfaction/idealism factor in people not prioritizing income for Zionism. I’m here 30 years and don’t ever think about what I might have earned “back there”. I live here and make the best of what I have.”

-“I need a car and my wife needs a car for work. We both travel where it would be difficult to get to via public transportation. I should be able to buy whatever I need – the question is do I? No”

-“I’ve been living here over forty years, all my children are grown, I live alone and am retired so don’t know how much of a help this is. I live on less than 4000 a month but it is extremely difficult if there are extra expenses”

-“It costs a lot to live here so many of us do without things here that we would never dream of doing without int he USA, like no dishwasher, dryer, car, and buying the cheapest cell phones, clothes, and trying to stretch every shekel as far as we can !”

-“Translate children to pets. 7 cats, 2 dogs. Only the best food.”

-“Thanks for doing this. Will you be posting results on the Facebook group?”

-“I arrived with six suitcases, no Hebrew, and $600 (then spent $350on a phone the next week). It’s not the same as moving somewhere. It’s Aliyah – make it work!!!!”

-“We are currently retired.”

-“Nothing about marital status.”

-“Earning a minimal wage is the pits especially with 2 small children at a gan on a kibbutz”

Hebrew English: Mortgages

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Learn new Hebrew words & phrases with English and transliterations

English Transliteration Hebrew
Mortgage Mashkanta משכנתא
Apartment Dira דירה
Property Neches נכס
Area Ezor איזור
Neighborhood Sh’chuna שכונה
House Bayit בית
Loan Halva’a הלוואה
Bank Bank בנק
Approval Ishur Ikroni אישור עיקרוני
Appraisal Shama’ut שמאות
Payment track Maslool מסלול
Purchase tax Mas rechisha מס רכישה
Interest Ribit ריבית
Cash out loan Halva’a LeKol Matara הלוואה לכל מטרה

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Hebrew English: Winter

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Winter

English Transliteration Hebrew
Chilly Karir קריר
Cloudy Me’oonan מעונן
Coat Me’il מעיל
Cold Kar קר
Duvet/feather comforter Puch פוח
Gloves Kfafot כפפות
Hail Barad ברד
Hat Kova כובע
Heater/radiator Tanur תנור
Ice Kerach קרח
Long-johns Gatkes גטקס
Lightning Barak ברק
Rain Geshem גשם
Rain coat Me’il geshem מעיל גשם
Sick Choleh חולה
Snow Sheleg שלג
Storm Se’ara סערה
Sweater Sveder סודר
Thunder Ra’am רעם
Wind Ruach רוח
Winter Choref חורף

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Traveling to Israel with a pet

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Traveling with your pet to Israel

Hebrew:  יבוא חיות מחמד לישראל

travel with pets

Flying with a pet to Israel, presents a number of challenges; questions need to be answered and issues resolved before you can board your flight to Israel when you are making Aliyah or relocating to Israel.

What do I need to consider before traveling with a pet?

  • Is it really practical for or our family to relocate or make Aliyah with our pet?  Shouldn’t we be  saying goodbye to Rover or Kitty and hand them to another loving family?  The Aliyah and relocation process is stressful for us all but your family’s beloved pet can play a significant role in helping your child readjust to his/her new life in Israel.
  • Determine your airline’s policy for flying with your dog, cat or other pet.
  • If you are using more than one airline, connecting flights and code-shares, determine the pet relocation services each airline offers.  While they might both accept your pet, they might have certain unique policies and regulations that need to be considered before you travel; with your pet.
  • How much time do I need to make all the travel arrangements for my pet?

Can I bring my family pet to Israel?

Airlines are able to offer your pet relocation services. Not all animals traveling to Israel, on our national carrier are permitted to travel in the cabin.  Your faithful loving dog, your cat or birds are the only pets allowed in the cabin and this is determined by the pet’s size and weight.  Larger animals, except guide dogs, have to fly in the hold.  The Captain of the flight has the right to remove your pet from the cabin and move him/her to the hold if your he/she is disturbing the passengers.

The importing of animals is overseen by The Israel Ministry of Agriculture.

A healthy pet

You need to ask yourself  if your pet cope with the flight.  Take his age into consideration and is he physically strong enough to cope with the flight. You may be traveling from a country that has a climate vastly different to Israel’s – will your breed cope with the hot, dry summers in Israel?

Does your pet have a pre-existing medical condition?  If so, there is a good chance that your pet will be refused entry into Israel.

Veterinary permits

Veterinary permits are required under certain conditions and you need to check this. Vaccination certificates are however mandatory.  A government veterinary official from country of origin, must declare that your pet is healthy and free of infections or infectious diseases.  The certificate must indicate that your dog or cat has been vaccinated against rabies, no more than one year and no less than one month before the date of arrival in Israel.  Note that dogs and cats under the vaccination age (three months) are not permitted to enter Israel.

How much does it cost to bring a pet to Israel?

Each airline has its own set of tariffs and the tariff is determined by the weight of the animal, its container/cage and food requirements.  A different tariff my be applied if your pet is traveling on the same flight as you or if he/she is traveling on another flight. You can also choose to send your pet with a private company that specializes in pet relocation.

Our Tips

  • Try to remain calm before the flight.  If your pet senses that you are stressed and anxious he/she will probably pick that up and feel stressed and anxious too.
  • Check with the airline if your pet will be allowed to have his favorite toy or “blanky” with him in the cabin or the hold.
  • Once you have arrived in Israel, pay special attention to your pet.  They are readjusting and they need love and special attention too.

Banking Services – Poll

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What frustrates you most about the banking services in Israel?

Results of our banking poll – October 2014

When it comes to banking and banking services in Israel, these are the things that frustrate Anglo olim the most.

banking poll

Some of you comments 

Mandy

What frustrates me most is that I cannot call in to my bank on the phone – as an Anglo, I find it hard to use the call center – instructions for dialing are mostly in Hebrew, or start off in English but continue in Hebrew. I have some Hebrew but nevertheless would like to be able to phone into my branch rather than take time to go there on the bus to do transactions. Again I battle to transact online because of lack of English service.

Stacy

I find the banks here very efficient and I find their security is top notch. I feel very secure about housing my money in Israeli banks as I know that the chances of a government shut down is very minimal (unlike in other places) and that my monies are secure. Once you get used to banking hours here, so you can just plan around it..The fees will ensure that the banks will stay in business and that your money is safe.The bank is like any other business in Israel-they are also in business to make a profit.

Zvi

We’re here thirty years.  In my opinion Americans have to acclimate themselves to life here and not the other way around. True there are things that need improving but that’s true for any country and any situation. Now specifically about the banks:

When was the last time you dealt with an American bank? I find that the people working there are to say the least are not smart, their English many times is horrendous and at times they’re very nasty. The hours there are not better than here.

The banking system in Israel has improved tremendously over the years (especially since most of us do our banking online). Truth about English, I deal with them in Hebrew but Israelis usually speak a good English and are more than happy to use their English at any opportunity.

Therefore, I beg, if you think things need improvement that’s fine, try to improve, but let’s do it with less arrogance and try to remember where and with whom we live

Rachel

I wish you could leverage these results to do something against the banks.  In Israel, if you don’t “scream”, you do not get heard.

Caryn

I think that if they improved their attitude towards their clients then a lot of those other problems listed would be addressed as a result.

Margie

I thought I was too demanding and used to excellent banking service in America so I tried to adjust to the system here! You don´t know how happy I am to see I´m not alone. Every one of the services (or lack of them) enumerated by you, have made me pull my hair many a time! How about all the windows available, but only one or two in service? Which in turn translates into hours of sitting waiting for one´s turn, which is a waste of everybody´s time and we´re not getting paid for, but they sure do charge us of every little thing. Israel is so advanced in technology, medicine, and many other fields, but banking for sure is not one of them. Inefficient, expensive service.

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Israel Electric Corporation: Electricity Tariffs & Meters

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Electricity Tariffs: Flat Rates & Variable Rates

This is a Google translation of a web page in The Israel Electric Company’s – Hevrat HaHashmal – website:  https://www.iec.co.il/BusinessClients/Pages/OptionalTariff.aspx which explains the different electricity tariffs in Israel.  It is not a great translation but you will get the general idea…

electricity meterTime of use (tariff is according to system load and time consumption) creates a direct relationship between the price paid by the customer and the cost of electricity generation and supply, as they vary according to the time of day, days of the week and season of the year. 

The Public Utility Authority is the body responsible for setting electricity rates in Israel, decided to allow customers to uniform tariffs (domestic tariff, the overall rate and the rate for lighting public streets), select the default time of use rate (voluntary).

On 01.30.2012 the Authority decided to further track time of use the default: the default time of use simple, only domestic customers.

To move to time of use tariff, the electricity company must install a special electronic counter appropriate time of use meter and remove the normal (or mass) that is installed on the client .

By crossing time of use is initiated by the customer, as per its discretion. Before making a decision on the choice of selection time of use, the two types, it is worth examining the conditions for the transition as well as the distribution of prices over the year , depending on the dates of use (peak Geva, low ).

Details of the two types of selection time of use:

  • The default time of use with three regular seasons and three clusters demand hours (Ms”bim);
  • The default time of use “simple” , only domestic customers , with three seasons and two Ms”bim .

By the passage of time of use conditions

If one customer has a meter outside the apartment / room for consumption, it does not have to pay for the replacement of the meter meter time of use.

If the customer’s electric meter installed in the place of consumption (such as inside the apartment and in the stairwell), the client make his own expense by a private electrician, the work required for the facility to copy the meter by the electric company out of the place of consumption. Customer shall pay the Company the cost of moving the meter out of the place of consumption, depending on the nature of the work required .

If installed on the client several times, removed all other masses have not installed appointed time of use, and the customer will pay NIS 179.96, for the mass removal and installation appointed time of use .

The company has committed to fulfill the customer ‘s request to move to time of use selection within a period not exceeding three months from the date of application recorded in the offices of the Company, subject to inventory existing mass. Appropriate counter is not in stock, the Company may extend the treatment for a period not exceeding 12 months .

By crossing time of use – both regular and simple – is a minimum period of one year. After a year the customer is entitled to return to a uniform tariff, and only carry the costs of removal and installation of electronic meter counter normal amount of NIS 179.96, as in force at that time. Electric Company will perform the client’s request within 90 days of the registered offices of the Company’s request .

Clarification: The above rates are effective from 16.05.2013, and include VAT at 18 %.

Domestic client to join the common selection time of use tariff will remain for a period of 12 months from the date of accession. Could end this period, at the choice, go back to be bound by the domestic tariff uniform minimum period of two years.

New home client default time of use rate calculation will be simple for the first 12 consecutive months of payments, they simply default by time of use tariff and single home belonged to him. At the end of the first year, the customer will be entitled to choose whether he continues to track just the default time of use or be charged at the rate for single home, and will be entitled to receive a refund for the difference between the rate the single home on a simple selection time of use period of the first year only, as is the difference such.

Client default time of use tariff just decided to go back home, can not rejoin the time of use the default path of any kind, for two years from the date of his departure from the simple selection time of use. Receipt of the refund will be allowed only once .