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Living in the City of Haifa; Aliyah, Relocation & Lifestyle

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Living in Haifa – The Worker’s City – Aliyah, Relocation & Lifestyle.

Hebrew: חיפה – עיר הפועלים – מקום מגורים וקליטת עולים חדשים

Living in the City of Haifa

The city of Haifa is the largest and most cosmopolitan city in northern Israel. It is the third largest city in Israel with a population of over 300,000. Whether you have immigrated, planning your Aliyah or relocation, on vacation or a business trip, the city of Haifa has much to offer.

living in haifa
A panoramic view of Haifa from the upper terrace of the Bahai Gardens – Image Credit: Rade Šaptović (Unsplash)

Haifa Urban Infrastructure

Haifa is a multi-cultural city. People from five different religions: Jews, Moslems, Christians, Druze and Bahai co-exist and live side-by-side in harmony, peace and mutual respect.

Haifa has developed into three tiers, from the lower city downtown to the upper city on the Carmel.

1. The first tier is Haifa’s oldest neighborhood – Wadi Salib, the Old City center, and the down-town area, near the port.  Wadi Salib stretches to the west across to Wadi Nisnas which is the center of Arab life in Haifa today.  In the 19th century the German Colony, near the port, was built by the Templars.

2. The second tier, nestled above the first, forms the Hadar neighborhood which was constructed in the early 1900’s. The Hadar has 3 distinct districts;  Hadar HaCarmel, the commercial district, situated above and around Haifa’s Arab neighborhoods and fairly close to the port. Ramat Hadar, is a few streets up of Hadar HaCarmel and Hadar Elyon or Upper Hadar, also a residential area, is halfway up Mount Carmel.  The Upper Hadar has become a popular option for English speakers who are looking for more affordable housing options.

3. Beyond this, in the third tier, are the more affluent neighborhoods such as the French Carmel, Central Carmel, Romema, Carmeliya, Vardiya, Ramat Golda, Ramat Alon and Denya.

Beaches in Haifa

Haifa’s natural beauty includes kilometers of golden beaches and blue seas, a variety of breathtaking panoramas from the Carmel Mountain range, greenery and forests with deep trails and the wildlife of the Carmel National Park.

Unlike many other cities around the world, Haifa’s beach-front properties are not prime real-estate.  The most affluent suburbs are on top of Mount Carmel.  The reason for this is simply the weather.  There are vast differences in temperature and humidity and most people prefer the cooler, more moderate conditions that prevail higher up the mountain.

Economy & Commerce

Haifa plays an important part in Israel’s economy. The Hadar neighborhood  which forms part of the second tier – is  a commercial center as well as a residential area.

Shopping in Israel’s  shuks – fresh produce markets – offer an unique cultural experience and Shuk Talpiot (The Talpiot Market) – a fruit and vegetable market is no exception. The Turkish Market in downtown Haifa has long closed down.

Haifa’s malls and shopping centers include The Grand Canyon, the Cinemall, Horev Center Mall, Panorama Center, Castra Center and the Haifa Azrielli Mall.  More about shopping in Israel

Haifa’s Neighborhoods & Suburbs

Popular among English speaking olim are the neighborhoods of Ahuzza, Upper Hadar and Neve Shaanan.   Each suburb offers a distinctly different lifestyle.

Ahuzza

Ahuzza is the general name of a suburb and neighborhoods that includes Ahuzza, Carmeliya, Western Carmel and Ramat Begin.  They are fairly affluent neighborhoods and are home to both religious and secular communities.  In relative close proximity to Haifa University, many international students and expats make this neighborhood their home.

The Upper Hadar

The Upper Hadar is situated halfway between The Central Carmel neighborhood and the Hadar shopping district.  Property prices are lower and if you have a smaller aliyah or relocation budget, you are likely to find appropriate housing here.  On all major bus routes, the Metronit and the Carmelit route and in close walking distance to shopping, this is an ideal location if you do not have your own car.  The Upper Hadar offers wonderful views of Haifa Port, the bay and Galilee and even further north one can easily see Mt. Hermon in the Golan Heights.  The Upper Hadar is also home to a sizable Bahai community.  For the duration of their required volunteer work, Bahais enjoy living here as it is close to The Bahai Temple, the Courts of Justice as well as The Terraces.

Neve Shaanan

To the east of the city also on the second tier of Mount Carmel lies one of Haifa’s larger neighborhoods – Neve Sha’anan.  Neve Shaanan is a large residential and commercial center with a selection of suburban shops, supermarkets, restaurants and pubs.  The Grand Canyon, Haifa’s largest mall is situated in the Neve Sha’anan neighborhood.  Neve Sha’anan has a library and even a small cinema.

Neve Sha’anan is very popular choice for English speaking, young immigrant, observant Jewish couples. It is also very popular among local and international students, as it is in this neighborhood that you will find The Technion – The Israel Institute of Technology.  Thousands of students from all over Israel come to study at this internationally acclaimed institution of higher learning. The Technion has a large International School and students from all over the world come here to complete their studies.

Neve Sha’anan is not far from the University of Haifa and using public transport options it’s only a 20 minute commute to the campus.  The new cable car will connect Haifa University and Technion students with the Merkazit Hamifratz central station and transport hub.

Ramat HaNassi

Ramat HaNassi is a new neighborhood at the southern entrance to Haifa.  The complex includes over 1,000 apartments in 18 towers.  Many of the towers are already occupied. The neighborhood will include preschools, a municipal elementary school, a park and a modern commercial center. Ramat Hanassi is a stone’s throw away from Haifa’s beaches and the MATAM Hi-tech Industrial Park

Cost of Housing: Purchase Price & Rental Price

The cost of housing in Haifa is steadily increasing and one million shekels does not get you very much these days.

A home in the more affluent neighborhoods such as in the French Carmel, Central Carmel (Merkaz HaCarmel), Carmeliya, Vardiya, Ramat Golda and Ramat Alon

Purchase price:

  • 2 bedroom Apt- 1.2 million NIS
  • 3 bedroom Apt- 1.4 million NIS
  • 4 bedroom Apt-  From 2 million NIS

Rental price:

  • 2 bedroom Apt- 3,000 NIS and up
  • 3 bedroom Apt- 3,500 NIS and up
  • 4 bedroom Apt- 3,800 NIS and up

Homes in the exclusive Denya neighborhood, near The University of Haifa, will cost considerably more.  Of course, cheaper housing options can be found in Haifa.

Average purchase price in Ramat Hanassi:

  • There are no 2 bedroom apartments in the Ramat Hanassi complex.
  • The starting price for a 3 bedroom Apt. is 1.8 million NIS.  There are also 4 and 5 bedroom apartments as well as a selection of penthouses

Purchase price in Romema, Neve Shannan and the Upper Hadar:

  • 2 bedroom Apt- 700,000 NIS
  • 3 bedroom Apt- 800,000 NIS
  • 4 bedroom Apt- 1 million NIS and up

Rental price in Romema, Neve Shannan and the Upper Hadar:

  • 2 bedroom Apt- 2,250 NIS and up
  • 3 bedroom Apt- 3,300 NIS and up
  • 4 bedroom Apt- 3,500 NIS and up

Kiryat Shmuel (a religious neighborhood) and Kiryat Chaim are two neighborhoods on the northern perimeter of Haifa (off the Haifa -Akko Rd) and housing is considerably cheaper.

Purchase price in Kiryat Shmuel and Kiyat Chaim:

  • 2 bedroom Apt- 700,000 NIS
  • 3 bedroom Apt- 800,000 NIS
  • 4 bedroom Apt- 1 million NIS and up

Rental price in Kiryat Shmuel and Kiyat Chaim:

  • 2 bedroom Apt- 2,250 NIS and up
  • 3 bedroom Apt- 3,300 NIS and up
  • 4 bedroom Apt- 3,500 NIS and up

Prices in Tirat HaCarmel

Tirat HaCarmel is one of Haifa’s satellite towns at the southern entrance to the city.  Many new building projects and have changed the face of the town.  Apartments in new building projects, ideally suited to young and growing families are in demand.  Apartments are spacious; 4 bedrooms, 2 bathrooms, a balcony, parking and many other features.  These large apartments are selling at around 1.5 million shekels.  Rentals are in the 3,000NIS/month range.

Tirat HaCarmel’s industrial zone is home to numerous industries, hi-tech and SMB’s.  Tirat HaCarmel is a few kilometers from MATAM.

Tirat HaCarmel is considerably cheaper than its rival neighborhood – Ramat HaNassi, in Haifa.

Haifa’s Transport Options

Haifa is a hub for public transport that serves the north and north-eastern parts of Israel.

Haifa has 2 central bus stations at Merkazit Hof HaCarmel  at the southern entrance to Haifa and Merkazit Hamifratz in the Haifa Bay area.

There are 4 train stations;  Merkazit Hof HaCarmel, Bat Galim, Hashmona down-town and Merkazit Hamifratz.

The Metronit, a rapid transport system, operates 3 lines that run from the southern entrance of Haifa and all the way north to the Krayot (Haifa satellite towns). Soon there will be a 4th line serving Haifa and Nesher.

The Carmelit is an underground funicular that goes from Paris Square (Kikar Paris) downtown – to the Central Carmel (Gan HaEm).  The entire journey takes about 7 minutes and there are 6 stops along the route.

Night-time bus lines – Kavei Leila operate, during the night on weekends and during school holidays when the regular buses routes come to a halt.  There are 7 night-time bus routes that serve the Haifa area.

Many bus routes to and from Merkazit Hamifratz and Merkazit Hof HaCarmel travel via the Carmel Tunnels (Minharot HaCarmel toll road) which cuts traveling time to the other side of Haifa, down significantly.

The new Haifa Cable car mass transport system, will run from Merkazit Hamifratz to the Technion and then onto Haifa University.

Haifa Universities & Colleges

Haifa is home to three well respected academic institutions, the University of Haifa, the Technion Institute of Technology and the Gordon College of Education. Many other smaller vocational colleges offer a wide variety of courses.

Many Technion and university graduates are employed in the hi-tech park – MATAM (short for Merkaz Ta’asiyot Mada – Scientific Industries Center) at the southern entrance to the city. MATAM offers about 10,000 job opportunities and hosts numerous Israeli and international hi-tech companies such as Intel, IBM, Microsoft, Motorola, Google, Yahoo!, Elbit, Zoran, Philips, and Amdocs. Some of these companies have their manufacturing and R&D facilities here.

The Technion is situated in the Neve Shaanan neighborhood.

The University of Haifa has two campuses – 1) Campus HaNamal, downtown, near the port and 2) Atop of the Carmel mountain just a little beyond the exclusive neighborhood of Denya.

I the past few years, Haifa has seen a steady increase in expats and foreign workers who relocate to Haifa and are contracted to work in the many hi-tech companies in and around MATAM as caregivers and foreign students.

Haifa Schools

There are many municipal elementary schools scattered across Haifa which feed into the various and very large middle- and high-schools.  Herzl School and Alliance are particularly geared for English speaking children who live in close proximity.  The Riali School is a private school, with 3 branches in Haifa and it offers immigrant children wider educational options.  Private school fees are high.  The Leo Baeck High School is a semi-private school in the French Carmel neighborhood.  Offering a high standard of education Leo Baeck is a popular choice for many immigrants.

The Haifa Port

The Haifa port is Israel’s second largest port with Ashdod being the largest. The petroleum refinery lies just to the east of Haifa in the heart of the industrial area close to the Check-post.

If you are planning on bringing a vehicle to Israel as part of your Aliyah benefits, your car will most likely be offloaded at Haifa Port where you will have to arrange to have it collected once all the customs and paperwork have been taken care of.

The Haifa Airport

Haifa has an airport for small aircraft.  There is ongoing talk to enlarge the runway which will make it possible for larger aircraft to land and opening it up to international travel.  In the meantime flights to Eilat depart from Ben Gurion International Airport and land at the Ilan & Assaf Ramon Airport outside of Eilat.

Top Things to do in Haifa – Culture & Entertainment

Haifa’s German Colony has undergone a major renewal, the buildings have been restored and renovated and the neighborhood, especially along Ben-Gurion Blvd., has turned into the center of Haifa nightlife with wonderful restaurants and pubs.  The magnificent day and night views of The Bahai Temple and terraces from Ben Gurion Blvd make for a special evening out for locals and tourists too.

Since Haifa University’s Hanamal campus opened the surrounding area (near the old Turkish Market) has undergone a revamp.  Lot’s of trendy bars, restaurants, eateries and plenty of al-fresco dining options on and around the campus.

Going to the Movies

The Cinemall (ex Lev Hamifratz)  incorporates the old Lev Hamifratz shopping mall and restaurants as well as the Yes Planet movie theaters.  Twenty three cinemas screen all the latest, popular films.  There is  a 4D theater as well.

The Cinematheque forms part of Haifa’s Auditorium complex in the Central Carmel.  Foreign and art movies are screened here.

The Grand Canyon shopping mall re-opened their cinema complex moving it from the top floor to lower ground levels.

The Haifa Symphony Orchestra

The Haifa Symphony Orchestra was founded in 1950 and in recent years has become the focal point of musical life in Haifa and the north of Israel.  World Acclaimed Maestro Xu Zohng, is the music director of the HSO. Concerts are held in the Ethos building which forms part of the Auditorium complex.

Haifa Museums

The Hadar neighborhood (2nd tier) was home to the very first Technion campus founded by Albert Einstein. Today this historic building houses the Madatech Science and Technology Museum.  Other museums in Haifa include: The Maritime Museum, The Railway Museum, The Tikotin Japanese Art Museum, The Natural History Museum, The Prehistoric Museum at the zoo, The Hecht Museum at Haifa University, The Haifa Art Museum and the Mane Katz Museum all exhibit a large variety of collections.

Hikes in Haifa

Take advantage of Haifa’s natural beauty.  Hiking, having a picnic and enjoying the nature of the Carmel Forest is just one of a long list of fun and wonderful things to do and even free attractions to visit in Haifa.

Haifa’s English Speaking Immigrant & Ex-pat Community

Haifa Municipality and the Ministry of Immigrant Absorption have been actively promoting Haifa as an Aliyah destination.  In addition to the regular benefits, Haifa Municipality offers the new oleh (immigrant) additional Aliyah benefits.  Consult with the Project Coordinator (Smadar Stoller-Porat) for the latest information.

The English speaking community has grown significantly in the past 10 years; Americans, Canadians, South Africans, Brits and Australians all make up the mix.  Besides the more affluent suburbs on the Carmel, the Hadar has become a popular residential option for these olim, who are looking for more economical housing alternatives.

Up until about 15 years ago, you would hardly hear a word of English spoken in Haifa.  But now,  The University of Haifa and the Technion attract many international students coming from India, Japan, Germany and in fact from every corner of the globe.  At MATAM you will find expats everywhere working in hi-tech.  Filipinos and Sri-Lankans work as caregivers and of course Haifa’s Bahai community brings volunteers who work at the Bahai World Center.

Religious Communities in Haifa

Jews, Moslems, Christians, Druze and Bahai co-exist and live side-by-side in harmony, peace and mutual respect.

There are many Jewish Orthodox synagogues in Haifa where Anglos prefer to pray, the main one being on Derech HaYam in the Central Carmel.  Many  English speakers belong to the Maor Yehuda Synagogue in Ramat Almogi and also the Denya Shul.

The Conservative Moriah Congregation is on Horev Street in Ahuzza and the Reform Congregation, at the Leo Baeck Synagogue in the French Carmel, as well as at Or Hadash in Ahuzza.

Haifa is the world center for the Bahai religion. Consequently there is a large community of  Bahai volunteers living in Haifa doing their obligatory volunteer and community work. Bahais are obligated to make a pilgrimage to Haifa during their lifetime.  Part of the pilgrimage includes walking up the stairs of the terraces.  Details of Bahai religious activities can be accessed via the Bahai’s own website.

There is a fairly large Christian Arab and Catholic Filipino community in Haifa and they participate in church services and mass at any of the many churches.

There is also a Messianic movement in Haifa.

Networking Events

Numerous social and networking activities are available most of them have groups on Facebook.  Haifa Young English Speakers (for under 35’s), Haifa’s Mature English Speakers (over 50’s), many Technion and University groups as well as Anglo-list’s Facebook group are great starting points for social networking.

It is said that “Haifa works, Jerusalem prays, and Tel Aviv plays”.  If you live, are planning on living in Haifa or just visiting, the city is filled with an abundance of scenery, colors, voices, scents and flavors and is sure to offer you many wonderful opportunities.

Message to Olim from the Mayor of Haifa.

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The Mayor of Haifa – Yona Yahav – greets new Anglo olim.

Hebrew: ברכות מראש העיר של חיפה – יונה יהב 

yahavI am pleased to see that the English speaking oleh community of Haifa is growing and contributing to the city and its development.  Haifa is a special city, with a multicultural society – its residents coming from all different communities around the world.

Haifa’s natural beauty, the sea, mountain and forests all add to its appeal.

Residents, new immigrants, returning residents, young and old are able to benefit from the many employment opportunities, the fine educational institutions, the strong infrastructure and a wealth of other resources.

The Anglo-list is a wonderful initiative and a great resource for English speaking olim.  Private initiatives go a long way in helping the oleh community in Haifa and the rest of Israel as well.  This site will help with your integration. Your full integration will further the prosperity, development and cultural aspects of the city of Haifa which are of benefit to all of us.

With my best wishes,

Yona Yahav

Mayor of Haifa

Hebrew English Dictionary

Reading Time: < 1 minute

An easy way to learn Hebrew – use our free word-sheets!

Common words and phrases, by topic,  Hebrew, English & transliterations.

hebrew official language

It is a challenge, but learning Hebrew is the foundation and key to a successful Aliyah and relocation.  Knowing common and key Hebrew words and phrases is very helpful.  Here is an easy-to-use list of transliterated Hebrew words and phrases for a range of different items and situations.

Basic HebrewDifficulty Level (1-5)
Aliyah
Alphabet
Clothing♥♥  
Colors♥♥
Days of the Week
Expressions & Greetings♥♥♥  
Months of the Year♥♥  
Numbers
Learn words all about Israel 
Elections♥♥♥♥  
Government  ♥♥♥♥  
Legal♥♥♥  
Official Documents♥♥♥
Suspicious Events
Your first week in Israel
♥♥♥
♥♥♥
Banking & Finances♥♥♥♥
At the Bank♥♥♥♥
Banking and Financial Terms♥♥♥♥♥
Taxation♥♥♥♥♥
Education 
Back to School & School Supplies♥♥♥
Education & School♥♥♥
Jobs and Employment 
In the workplace♥♥♥
Professions  ♥♥♥♥
Your Pay-Slip♥♥♥♥♥
Food & Entertainment 
Cuts of Meat: Beef & Internal Organs♥♥♥
Dairy Products  ♥♥  
Eating Out♥♥♥
Entertainment
Falafel
♥♥♥
♥♥  
Fish varieties♥♥♥
Fruit♥♥♥  
Herbs & Spices♥♥♥
Hummus ♥♥
Meat & Poultry♥♥
Nuts♥♥  
Sea-food & Shell fish♥♥  
Soup♥♥  
Vegetables♥♥♥  
General topics 
At the Post Office♥♥
At the Shops♥♥
Golden Years♥♥♥
100 frequently used Hebrew words♥♥♥
Housing, Home & Gardens 
Appliances♥♥♥♥♥
Housing♥♥♥♥
Mortgages♥♥♥♥
Pests, bugs & insects♥♥♥
Television♥♥
Telephone & Internet♥♥♥
Your Apartment♥♥♥
Your Apartment Contents♥♥♥
Medical & Healthcare 
At the Dentist♥♥♥♥
First aid and medical emergencies♥♥♥♥♥
General medical terminology♥♥♥♥
Skin conditions and ailments♥♥♥♥♥
Virus, epidemic and pandemic♥♥
Tour, Travel & Transport 
Camping  ♥♥♥
Catching the Bus  ♥♥
Countries, Continents & Regions♥♥
Directions
On Holiday♥♥
Owning a Car♥♥♥
Roads, Traffic & Driving♥♥
Shabbat & Festivals♥♥
Hanukkah♥♥
Lag B’Omer  ♥♥
Pesach  ♥♥
Purim  ♥♥
Rosh Hashanah  ♥♥
Shabbat  ♥♥
Shavuot♥♥
Sukkot♥♥
Yom Kippur♥♥
Jewish & Hebrew greetings for festivals♥♥
Weather♥♥
Rain♥♥♥
Snow♥♥♥
Weather♥♥♥
Winter♥♥♥

Bonus Resources
Lots more free stuff to help you learn Hebrew fast

Sanda’s Aliyah Story

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My Story, My Israel!

By: Sanda Abromovici-Lam

Sanda

My name is Sanda Abromovici-Lam, no mistake; the R was dropped from day one. When I lived in South America people assumed that I HAD to be Sandra! After all where could the name Sanda come from? When I made aliyah I was so excited I could finally recover my identity. Wrong! In Israel they call me Sandra too, even when it’s written in Hebrew without the Reish. Guess my destiny is to keep fighting for my name among other identities. I decided I could write my story as an amateur story-teller. So here goes…

My story is not politically correct and I hope I will not abuse the concept.  Born in Italy, raised in Argentina, married and lived many years in Peru and now, at long last, I am an Israeli/Jew, though the latter is not quite a politically correct term in Israel, the land of the so called Jews. I have one and a half double loyalties and I am not ashamed.  I am a proud Israeli who loves Argentina deeply.  To be honest, Argentina like many countries is an anti-Semitic one.  Who says love is perfect? In Argentina I used to be known as the Italian Jew, in Peru I was the Argentinean Jew, the prejudice being more on the Argentinean side than on the Jewish side. Peru is not a racist country but anti-Semitism is in proportion with the around 3000 Jews living there right now.  Anyway, there wasn’t much time to hate us as Peruvians were mainly concerned with their passion for football.  So only once or twice, I was called a $%^& Jew but on more occasions, a %^& Argentinean. I am not complaining.  I never encountered real physical danger there. I am a proud woman and now have the courage to stand up for myself and my people. In Israel you cannot guess the gender of people by their name. Being the descendant of Shoah survivors gave me an edge and the right to be a fighter/paranoid. I was born a year after the (Jewish) State of Israel. I was not old enough to have known a lot about my family’s personal story, but it did have bearing, for better or worse, on who I am now, what I believe in and feel deeply about.

When I was little I yearned to go to a Hebrew school and have a more traditional Jewish home. My parents were not religious or even fairly traditional yet my father was the proudest Jew I have ever met in my life, other than myself. I guess the ghosts of the war and originally being illegal immigrants in an Argentina where Nazis were welcomed and Jews were not had an effect. Nevertheless, we always observed Yom Kippur. I used to read a lot about Judaism until I became more interest in universal love and brotherhood.  Proudly, I have lived in one of the most exciting and important ages on earth, women’s liberation, the civil rights’ movement, freedom of sexual expression, no wars, political heroes and more. During those revolutionary days I lived in one of the best countries on earth. We used to talk for hours trying to solve all the global problems. I was not a real hippie – even though I tried – I was a Jew.

One day in June, 1967 my life turned upside down for ever, my friends said that we were not strong enough and the Arabs would throw us into the sea.  My grandmother cried reliving the ghosts of the Shoah. I was frightened by all this. News was coming in about Israel’s victories and my friends swallowed their words. I felt a deep sense of pride, relief and gratitude.

had been too cowardly to make aliyah on my own; the subject was kept hush, hush. Many Jews in the Diaspora have had similar experiences, so it is very boring to conjure up the ghosts of the past. Israel came second best to marriage and children. Soon the time had come to give the children a proper Jewish education and environment. As part of a school program they visited Israel, and one-by-one I waited anxiously to hear their first impressions of my beloved Israel even though they were still quite young.

Soon they grew up and their weddings in Israel were wonderful, a dream come true.  As parents had waited all our lives to witness this point.  Our children made some adjustments out of respect and love for us but in Israel the “Yiddsche mamme” is buried for ever, along with the father…but I don’t complain! Israel for us is a new world and much better one.

The Israeli-way is a subject that still amazes me. I thought that in Israel, the land of my dreams, I could shout to the winds I was Jewish. Wrong again! Where is the Jewish tradition here? I am told that I am still living with my Jewish Diaspora mentality. The mentality of the one who loves being Jewish and an Israeli without being afraid of being politically incorrect!  In the Diaspora I knew who was Jewish and I was glad to meet them. I felt at home and safe.  Here it seems a sin to tell, to ask or to be. So, me the rebel, the Diaspora Maccabean came to Israel, land of the Jews, became an Israeli, but feel like I am not a politically correct human being if I decide to be Jewish too. Many people, who live in Israel, don’t like to be either and in our democratic state they have license to hate and talk. What can I say? After all we are Jews, a nation of 7,000,000 Prime Ministers.  Maybe the Jewish Israeli, Israeli Jewish way is so mingled and entangled that you can’t tell them apart.  Where is the sacred way of Jewish life, the Menorah and other symbols? I do not yearn for the idea of the shteitel Jew; I yearn for the idea of united and proud Israeli Jews who don’t hide their identity.  The new generations are the Israelis of tomorrow and we are part of 120 tribes that come from all over the world.  We bring our different identities with us but the only thing in common, that we have, is our Jewishness. Ironically, I had to come to Israel to search for and find my true identity, cause in Israel I ended up being Argentinean.

Email us if you would like to share your story: anglolist [@] gmail dot com

Alon Gal’s 10 Top Money Saving & Financial Management Tips for Olim in Israel.

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Money saving tips for Israel.

Alon Gal, top business coach, shares his 10 top money saving an financial management tips for the Israeli household and the Aliyah budget.

money saving tips

You are probably familiar with the very old joke

Q. How do you make a small fortune in Israel?

A. Take with a big one.

Money is probably the biggest worry of aliyah. Many new immigrants struggle to adapt to Israel’s challenging economy. We hope to maintain our standard of living but our capital can often be drastically reduced by a bad exchange rate or unforeseen circumstances; perhaps you just started your own business or have not been able to find a job -maybe you were forced to take a much lower paying job. The various saving schemes, investment options and local banking practices have you pulling your hair out.

Alon Gal is the presenter of the very popular Israel Channel 2 television program – Mishpacha Horeget (Families in Progress). He is a highly regarded business coach and coaches families who are financially out of control. He is also the CEO of “TUT Tikshoret”.  He shares his 10 top tips for saving and managing your money.

1. Mortgage Payments

When most families in Israel buy an apartment they take out a large mortgage.  In many cases this is a wrong economic decision. We land up with very large monthly repayments resulting in huge debt. We are forced to deal with the cumulative debt that that this high mortgage may create and issues that may arise as a result. The quality of our life is affected. You have to put the emotional aspect of buying your dream home aside. A mortgage is a loan, a purely economic issue, and you have to think of it in those terms only. Carry on renting your smaller apartment for a few more years, manage with what you have, save more until you can purchase a more expensive apartment and afford a higher mortgage.

Solution: The total of all household loans, mortgages and other short- and long-term debts must not exceed 25% of your total net income.

2. Do you have a financial plan?

There are various expenses that we know we will have to face someday; our children’s bnei mitzvot, furthering their education etc., yet most families act really surprised when these expenses come along. There is no surprise. It is just, simply, a lack of planning on your part. You might suddenly be forced to cash in on your savings plan or take a loan against it under unfavorable conditions.

Solution: Make an assessment of all those big expenses that are likely to come along in the near and distant future, plan for them and start to save for them every single month. (Save with a Keren Hishtalmut)

3. Are you communicating effectively about your finances?

Many families I meet are not communicating well. A husband may not know what his wife is spending and she has no idea about the household debt or loans her husband might have. Very often they are also not sharing the general responsibility of the children. They live in disconnected worlds. They find it difficult to develop responsibility within the marriage. The result – they don’t help each other and they do not plan ahead.

Solution: Hold a monthly family meeting with all family members and at least once or twice a week, the husband and wife must sit together, catch up and plan their lives.

4. A short term deposit – is it a good idea?

Since most people never learn or become experts in the field of their investments, this area is often neglected. During my career I have met hundreds of families that have several hundreds of thousands of shekels sitting on short term deposit. The interest rate on these schemes is almost zero. There are many, very solid, investment possibilities and one should be aware of them. Treasury bills, government bonds and other schemes, offered by banks, pay more interest. Most people do not know that if the bank fails, short term deposits are not guaranteed. With short term deposits you are, in fact, lending the bank money and for this, the bank pays you a low rate of interest. Treasury bills, government bonds etc., on the other hand, are not guaranteed by the bank – the bank only keeps them on your behalf. Should the bank collapses, your investment is secured and you don’t lose your money.

Solution: Refrain from short term deposits and take advantage of more secure investments. More about banking in Israel…

5. Pension & retirement funds

Similarly, many people who don’t understand their investments, don’t understand their retirement and pension funds. Even if you have pension fund in the workplace, due to salary structures your employee may not be contributing to the pension fund. Suddenly, when you actually retire you only have around 50% or 60% of what you originally thought you’d have, and sometimes even less than that. The National Insurance (Bituach Leumi) old age pension is still ridiculously low. We all look forward to our retirement and pension, but often it can become a traumatic financial event. If you have not provided for it over the years, and certainly if you don’t have a work pension, it becomes a serious problem. We need to assess and manage our retirement on a yearly basis.

Solution: Determine your pension requirements start setting aside more money so that when you actually go on pension, you will have a reasonable income.

6. Unprotected income & disability

Most people do not understand the significance of this. G-d forbid, tomorrow you lose your ability or capacity to work. We think that we are completely covered by the National Insurance (Bituach Leumi). This is not completely accurate. First of all, the amounts paid by Bituach Leumi are very small and in order to get them, you have to go through a long and tedious process of proving your disability to the various authorities. It can be very difficult to accept that if you don’t have suitable coverage from your pension plan you could struggle to put food on the table.

Solution: Verify the exact coverage you have from your workplace and pension fund. Compensate by investing in a policy or other pension scheme so that you will still have a reasonable income.

7. Emotional spending & planned purchases

Most of us make emotionally based shopping decisions. For example we go abroad, overspend at the duty-free, buy a 50-inch plasma to watch the World Cup and indulge in impulsive sidewalk shopping. Often, if we have had a bad day we compensate by making purchases that are irrelevant, unimportant or not significant. These types of purchases cost us dearly. Suddenly we are in debt and overdrawn. We are forced to take short-term loans with very high interest rates in order to pay it all back. For the sake of a quick thrill and unnecessary spending, our financial resources can be destroyed.

Solution: Plan your purchases, determine your needs and budget for them at the beginning of year. You can then allocate part of your budget for items that are not a necessity.

8. Pocket money: when & how much to give?

Surprisingly, studies show that, few families give their children regular pocket money. Instead children come to their parents for money all the time. This is a mistake. Children do not learn to budget their expenses and cannot prioritize them. From a parents point of view, it can get out of control. The 50 shekels here and 30 shekels there can accumulate to several hundred shekels a month. Most of the time we never intended to spend this amount of money.

Solution: Organize your children’s pocket money. Together with them, help them to determine their needs and pocket money requirements.

9. Take advantage of a special offer? Are they super value?

Financial organizations market their items, especially consumer goods, with attractive special offers: buy 4 get one free, two for the price of one and other similar incentives. The bottom line; families are stuck with goods that have no need for and may have to throw away. These are unnecessary purchases which eat into our budget. Every business owner knows that he should not buy excessive stock and risk getting stuck with unnecessary goods that deplete his budget. The same is true for the “family business” – manage your inventory and stock wisely.

Solution: Only buy what you need. Do not be tempted for the sake of a small discount, to spend more than you need or you should.

10. Plan your purchases

We have already talked about retirement, work capacity, medium and long-term debts, shopping and other issues. Still, most people do not know how much money they spend a month and cannot account for their spending. Once this happens you lose control of your life. You must first understand your budget. Your budget is your combined total net income. Plan your purchases.

Solution: Just as a business has to account for all its purchases, a family must do the same. Only when we take an actual stock of our spending will we know how to manage and control our budget.

Anonymous Aliyah Stories

Reading Time: 3 minutes

Old Olim help new Olim!

By: Anonymous

Single, I arrived in Israel in 1988.  I went straight to the absorption center in Raanana with a group of other singles for  the 6 month program.  It was always my intention to move north to Haifa.  I loved the mountains, the sea, the forests and the way of life.  Close to the end of my ulpan, on weekends, I would go up to Haifa, scour the local papers in search of accommodation.  I knew that living in a house in Israel was the ultimate but at the same time I didn’t know anything about the different suburbs.  I saw a lot of apartments, none of which really appealed to me, so when I heard about the availability a small cottage, I jumped at the opportunity.  The cottage was in the Neve Yosef neighborhood, nestled between the Hadar and Yizreela / Neve Shaanan.  I quickly signed the rental contract and moved in.  I wasn’t fazed by the mattress on the floor, the canary yellow kitchen that had almost no cupboards, the bathroom painted in bottle green enamel, or the partly broken furniture that came as part of the deal – I had a house.  I was a Zionist and I was living my dream. Now that I had a roof over my head, I could think about the rest of my life.  A year later I got married and settled down.  I managed to get a job for a large construction company earning 600 shekels a month.  This seemed fine to me, even though I was paying almost half my salary to rent and utilities.  I had oleh benefits and somehow we managed to come out.

My wife was attending ulpan at the Abba Houshy absorption center in Kiryat Eliezer.  As part of a program to absorb the huge wave of immigrants from the FSU and Ethiopia at that time, families in Haifa were urged to adopt a new immigrant family and help through their integration and absorption.

Once we received the details of our adoptive family we were  invited to meet them at a special ceremony at the Sportan Country Club near the southern entrance of Haifa.  We were introduced to Yossi and Betty.  Originally from Argentina, they had been in Israel for many years.  They both immigrated with their families as teenagers. Betty was an English teacher so communicating with her was no problem Yossi on the other hand, was an Engineer, and spoke hardly any English so we were forced to communicate in Hebrew.  We needed to learn Hebrew and they could help us.

Betty and Yossi helped us with everything: reading bills, welcoming us in their home, introducing us to people and allowing us to be part of their family.   We soon learned that Neve Yosef was not a neighborhood we wanted to live in and when we found a new apartment they helped us understand our rental contract.

Five years later when the time came for us to buy an apartment of our own, Betty and Yossi guaranteed our mortgage.  With Betty’s connections as a school teacher, she helped to get our kids into a better school out of our district.  They did so much for us and we were very appreciative. We promised we would never let them down.

Ten years into our Aliyah, we felt that we were sufficiently integrated and could now take our turn to help new olim.  We have adopted many olim and international students over the years.  They learned from us and we have learned so much from them. Take someone under you wing.  Giving to others will help you reflect and realize how far you have actually come.

Fast forward 27 years. After a long illness, Betty passed away a few years ago.  Yossi and the children still remain part of our lives.  We were delighted to attend their weddings and have enjoyed the celebrations when they welcomed their own children.  We miss Betty very much, her lust for life, her smile, her laughter, her crazy Spanish expressions and most of all her loving and caring way. Had it not been for their interest in us, we might not have made it through those first critical few years.

33 years after our Aliyah, Yossi’s life is a struggle as he now also fights cancer.