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Showing posts with label money. Show all posts
Showing posts with label money. Show all posts

Coming to Israel? You NEED these comprehensive travel tips! (guest post)

Summer tourism and aliyah season is almost here, and whether it’s your first trip to Israel or your eightieth, don’t you wish you could have a list of all the little things everybody else wishes they’d thought of? 

This comprehensive travel guide was written by Debra Nussbaum Stepen.  She’s a Licensed Tour Guide in Israel (no mean feat, as it takes years of study and deep historical and geographical knowledge!) and you can find out more about her and her services at debratours.com.

Comprehensive Travel Tips for Tourists

1. Do not throw out the little slip of paper that they give you at the airport. This is your entry visa and entitles you to exemption of the 17% VAT tax on

It’s winter–are you taking a Donut Shower?

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Do you shower differently in the wintertime?

Here in Israel, it’s officially Winter.  And in Kiryat Shmuel, where we're always the last to hear about such things, it's actually kind of cold these days, blessedly so.

In the next couple of weeks, we have an oddity coming up:  the one Jewish observance that's keyed to the secular calendar.  From now until the year 2100, in regular years on the night of December 4, and in leap years (2019, 2023, 2027, 2031, 2035), on the night of December 5, we start adding the words ותן תל ומטר לברכה / v’sen tal umatar livracha (Sephardi pronunciation uses v’ten instead of v’sen; both are correct), “and send dew and rain for blessing,”  to the Shemoneh Esrei.

UPDATE:
A reader has pointed out that in Israel, we start saying Tal u'Matar on the 7th of Cheshvan, which was a few weeks ago already.  Which just goes to show ya... don't trust everything you read on the internet, even if it was written with the loveliest of intentions.

And also the very commonsensical rule that halacha from chu"l doesn't always apply here in Israel.

This isn’t the first seasonal change to the Shemoneh Esrei.  You probably already noticed that we started saying משיב הרוח ומוריד הגשם / Mashiv haruach umorid hageshem, “You cause the wind to blow and the rain to fall,” all the way back on Shemini Atzeres.

But December 5th is when we get serious and really dig in (click here to find out why).  At that point, we’re not just asking for geshem, rain, we’re also asking for tal and matar – two other types of precipitation.  Why?

Because every single drop counts.  Not a single drop of dew can be taken for granted here.

There was an ad in the newspaper yesterday driving home this point. 

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It basically says, “Yeah, we know it’s raining, but

What’s cheaper??? Three things you’ll love paying less for in Israel

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We all love to kvetch.  Or maybe I’m just speaking for myself.  I definitely love to kvetch!  But sometimes, it’s worth stepping back and looking around at how much is truly wonderful about this unbelievable place we live.

Here are three that I’m really enjoying this week:

1. Public Transportation

This is my number one.  In fact, this was what caught my eye on Facebook today.  Someone was kvetching about the high cost of buying and renting a car—and they were right.

True, cars are expensive, but public transit is almost laughably cheap.   It’s even cheaper than when we arrived in 2013.  In an era when nothing goes down in price, fares were actually LOWERED around most of the country a couple of years ago!

Here’s what I’m talking about:

I took the kiddies to Jerusalem two days ago.  The three of us went from north of Haifa to Jerusalem and back, taking local buses in both cities, inter-city buses, and trains.  The train was an hour, a one-hour bus ride, then several local trips within Jerusalem.  Then, five hours later, an inter-city bus ride back to Haifa and one local trip to get home.

Total cost?  ₪60 per person. That’s under $20 (US).

Oh, and we could have traveled for another 12+ hours on the same fare, had we been so inclined, because it’s good for 24 hours from purchase.

Where, outside of Israel, can you get around cheaper than that?

(NOTE:  This isn’t what trains look like in Israel nowadays!  This is an authentic 1970s-era train on display in the Railway Museum here in Haifa.  Photo © Deror Avi via Wikimedia)

Two years ago, we were in Ottawa and I wanted to leave my family there and get back to Toronto by bus.  It’s a five-hour train ride, so farther

Starting a small business in Israel? Learn from my mistakes!

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Did you come to Israel – or are you planning to come to Israel – hoping hoping to start a small business?  Good for you!  I really mean it.  Israel is the Startup Nation.  It’s a land of opportunity.  It’s the place where you can make many of your dreams come true in amazing ways you never even dreamed of back where you came from.

As long as you’re careful.

For all the opportunities here in Israel, it’s also… (shh) a very bureaucratic place.  And you have to stay on top of the bureaucracy because, unlike in certain larger and more anonymous countries I could name, where you can owe the tax people money for years with absolutely zero consequences, neglecting some of the bureaucracy here in Israel can have serious repercussions.

How do I know?

Um, let’s just say… I’ve learned this the hard way.   Not the extremely hard way, which probably involves jail time.  But the kind of hard way, which involves having your bank accounts frozen and threatening letters from various government agencies.

Setting yourself up as a small business here is actually super-easy.  There are three basic steps, and I’ve found that Rifka Lebowitz’s guide is terrific in terms of explaining these in detail:

  1. Register your business for Ma’am (Value Added Tax = VAT):  There are two kinds of businesses, which mostly depends on how much income they bring in, and for both types, you need to open a “tik” (file) – tax-exempt (osek patur) and tax-paying (osek murshe) with the VAT office.
  2. Register for income tax:  True, they’re both taxes.  But the VAT people don’t talk to the income tax people and vice versa.  So you have to tell the income tax people you’re a business now.  And then they will hound you forever after (see Tip #1) until you close your business tik, which is very easy to do if you’re no longer running your business.
  3. Register with Bituach Leumi:  This is a socialized country You no longer have an employer paying your national insurance, and most importantly, your health insurance to your kupat cholim (HMO, healthcare provider network) – so this is your responsibility now as an independent business person.

In general, skipping one of these steps is a recipe for disaster – so don’t do it.

Here are three mistakes I made along the way through this simple process that I hope you can learn from instead of having to untangle on the other side.  Any tips here are NOT a substitute for a good accountant.  If you think your needs are at all complex, please consult a real tax advisor (not just a blog, for heaven’s sake!) before you take any steps you may regret.

Mistake #1 – Tax ≠ Tax

Sounds like a no-brainer, right?  Except I was lulled into complacency because when you come here, everybody says

Comparing healthcare systems–Israel vs Canada

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I got a great question from a reader today – I love hearing back from you! – and I thought I’d share it once I was done writing back.  The reader asked, based on my experience with healthcare in Canada and Israel, how I’d compare the two.

It’s actually something I haven’t put a lot of thought into.

As Canadians, socialized health care wasn't such a big transition for us.  American friends have had a variety of reactions, from giddiness that they wouldn’t go bankrupt trying to stay healthy to… well, I don’t think I’ve heard of any who really had a hard time adjusting, so I don’t know what the worst-case scenario is.  I suppose for people coming from the U.S., there may be longer waits and more of a “socialized” feel to things here, if that makes any sense.  But most, as I said, are far too delighted that the safety net exists here to worry about the nitpicky details.

Also, full disclosure:  baruch Hashem (ptoo, ptoo, ptoo!), we haven't had to have a lot of contact with the healthcare system.  However, although we’ve had no major health problems, we have all seen a variety of specialists, done the basic urgent care visit for little-kid stitches, non-emergency hospital visit, and routine health things as well.  Mostly, if it has been harder here, it is because of difficulties with the language, not the system.

A few particulars that I’ve found are different here:

  • Israel is more complicated in terms of choosing a kupat cholim (healthcare plan) and package. 

Who Israel has instead of rock stars and supermodels (and why I’m glad)

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Sure, supermodel Bar Refaeli captures her share of headlines here.  But you know who's a real celebrity in this country?

I'll tell you.

I was sitting down this afternoon in a little cafe in the mall, revving up my voice recorder, buffing up my pen & notepad, or whatever I do before an interview… when I noticed a woman standing outside the cafe, staring intently. 

After a second, she started waving - at the guy I had come to interview.  She waved timidly at first, shyly, and then a little more crazily when she saw that he'd spotted her there.  "Todah," she mouthed at him.  "Todah."  Thanks.

"He's like a rock star here," said the translator.

I nodded, numb, amazed.

Who was this instantly-recognizable mega-star that I had come to interview?

It was this guy:

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What’s that you say?

Exactly!  Yeah, this guy.  (The one in the vest.  No idea who the guy in the white kippah could be.)

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Yup, him.  Desmond Tutu’s buddy.

Don't make these 5 mistakes when you're opening a bank account in Israel

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Quick, where will your first bank account in Israel be?

One of your first tasks when you step off the plane is opening a bank account so you can start getting sal klitah, the six months of “absorption” money that you’re entitled to when you arrive in Israel.

So that’s why many olim feel rushed into opening their first bank account, and don’t think the process through as much as they should. 

Sure, you can always move your account later, but you might not want to once you have an established line of credit, “standing orders” (הוראות קבע/horaot keva – fixed monthly payments), government deposits or debits, not to mention (hopefully) payroll deposits coming in and out of that account every month.

So you do want to put some thought into opening your account, even if it seems like you don’t have a lot of choices.  When you look back on your aliyah process in five years’ time, these are some of the mistakes you may end up regretting…

1) You didn’t set aside enough time

I’ve opened bank accounts in Canada where I’ve walked in, plunked down ID on the counter, and walked out 15 minutes later with a bank card.  That’s not how it works here. 

How to choose a health care provider (kupat cholim) in Israel

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Let's assume you'll never get sick in Israel, shall we?

My teacher in ulpan had a cute habit.  When we were learning about ailments, she refused to use the first or second person - "you're sick; I'm sick."  She would only let us talk about ailments in the third person:  "he's sick; she's sick; they're sick."

So in honour of Morah Sarah, let's do that here, too.  Let’s assume you’re going to pick a kupat cholim (health care provider) and never need to use it.

Because, I'll admit, I've been holding back. 

In all these years of blogging, I haven't really said anything about how to choose a kupat cholim, one of the four healthcare provider networks that exist in Israel.  I feel like I don’t know enough, but the truth is, I’ve been navigating this system long enough to know a thing or two.  So I’ll try to help you straighten things out as far as healthcare is concerned.  If you have questions, ask below and I’ll try to answer.  I’ll also give a list of links for good information at the bottom of this post.

What are those words again?  Practice saying them; you’ll be using them a lot here (but hopefully never in the first person):

  • קֻפַּת חוֹלִים / kupat choleem = sick fund, usually translated into English as “HMO” for people from the U.S. who don’t understand any other approach to healthcare
  • Note, the above is the vowelled spelling.  Without vowels, it’s usually spelled “קופת חולים” for clarity.  Pronunciation is the same:  kupat cholim.
  • It’s sometimes abbreviated as קופ"ח / koopach
  • קֻפָּה / koopah = “fund,” like a supply of money, but sometimes people use this as shorthand to refer to your particular health plan
  • The plural is  קופות חולים/ koopot choleem = sick funds.

How do I choose???

Here are the 4 choices (4 kupot cholim), in English alphabetical order:

  • כללית / Clalit
  • לאומית / Leumit (not to be confused with BANK Leumi!)
  • מכבי / Maccabi (pronounced ma-KAAAAA-bee, not the way English speakers say it in the Chanukah story)
  • מאוחדת / Meuhedet (the "h" is actually a "ch" but this is how they spell it)

All of these 4 have offices all over the country, though one may be more prevalent in a given area, which will probably factor into your decision-making.

These days, most new olim are asked to choose their kupat cholim at the airport when they arrive.  If you don't know your choice, however, you can still do it at the post office like in the old days.  There may be other ways to do it as well. 

Don’t let anybody force you to pick at the airport if you aren’t sure yet!

But the question everyone asks is:  how do I choose???

(Assuming, of course, that you and your family will never get sick!)

What should you buy where? Smarter online shopping in Israel

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It’s back to school time here in Israel.  And we all know what that means:  online shopping!

I can’t be the only one, right?

In Israel, just like around the world, the hottest shopping site these days is Aliexpress.  There, you can buy directly from China, mostly with free shipping, cutting out the middleman and saving a bundle.

That's the theory, at least. 

In practice, it's not so simple.  The quality is usually low, and it's better in theory to buy Israeli (or local, wherever you happen to be).   Sometimes, though, when buying Chinese is the only option anyway, things do work out much better, price-wise.

But there are many downsides to Aliexpress, including:

  • Long shipping time
  • Dubious quality merchandise
  • No recognizable brand names
  • No brands, price comparisons or reviews (sometimes there are reviews, but rarely)
  • Merchants don't speak English

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The biggest down, however, is that for higher-value items (I think it's over $50), you could get hit with a big tax bill.  The same thing was true in Canada - there, anything worth over about $20 could get opened and dinged for import taxes.  And there are added fees you have to pay as well if you're billed for taxes.  Sometimes, it's just not worth it.

That's why it's nice to know that there are online-shopping alternatives that let you buy "locally" here in Israel.  The goods may still be made elsewhere, but you're dealing with local suppliers who know how to get stuff to your door quickly, and can often save you that big tax bill.

The best place to start is on ZAP - zap.co.il.  There, you can search (in Hebrew, so use Google Translate if you're not strong at it) for whatever you want, and hopefully, you'll get a whole bunch of good results.

Brother, can you spare an agora?

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Know what's nice about being in Canada?

Stepping out of a nationwide cash-coinage crisis, that's what.  In Israel, for whatever reason, you'd swear there was a shortage of coins.  Maybe there is, for all I know.

You know you're not in Israel anymore when you shuffle through your wallet to find the 15¢ (for the overpriced $4.15 iced coffee), and the cashier is mystified, and not particularly grateful that you're giving her your pocket change.

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(pocket change in Canada)

For whatever reason, that same pocket change in Israel is precious.

Maybe the mentality started back in 1948, when the government recalled all British Mandate small bills and refused to issue new ones.  At the time, stores in the new nation had to resort to issuing "chits" (like a raincheck?) instead of giving change.

Whatever the reason, you must hold onto every single agora (though you won't find anything less than ten agorot in circulation these days; the single-agora coin shown here, my mother’s, is more of a metaphor now). 

12 of the most surprising, tantalizing gifts from Israel–dirt cheap

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Are you sick of all the standard, cliché Israel souvenirs:  olive wood plaques, “SuperJew” magnets, cheap metal kiddush cups?  Do you feel like a sucker every time you walk into a souvenir shop and pay too much money?

I know I do, and I’m not a tourist – I actually live here.  (Maybe you live here, too, and you wish there was something different you could bring back with you the next time you travel back to visit family and friends?)

I bet you wish there was something original you could bring them instead without spending a fortune.

Why not gift your friends and family where their stomachs are - with the gift of special foods from Israel? 

Here are twelve tantalizing suggestions to tickle their tummies:

1.  Bamba

These are Israel's most beloved snacks.  If you live in a major Jewish centre, then forget this one, because you can probably buy them closer to home.  If not, share the crazy novelty of Israel's beloved "peanut-flavoured cheesies," now also available with a variety of fillings.  There's also Bissli and other crunchy snack aisle faves to round out the gift basket.

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2.  Olive oil

They're all local and delicious, so just pick the most beautiful or unusual bottle.  If you know someone who's in the know about olive oil, get them to introduce you to a truly special "vintage" or artisanal producer, or to an organization like Galilee Green, which is working to revitalize a regional economy.

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3.  Fancy salts

Even the "plain" table salt we buy says it's from the Red Sea,

Trains and buses: Getting around in Israel (with a helpful vocabulary list!).


As I write this, I'm getting ready to take a couple of buses and head over to Teveria (Tiberias).

Taking buses and trains is fun and easy in Israel, and it’s been a core part of our experience here, in mostly good ways.  If you’d asked two years ago, here's what most olim could have told you about taking public transportation:
  • Israeli bus drivers make change - if not cheerfully or graciously, than as an accepted part of their many duties. 
  • Israeli public transportation is, mostly, prompt and on-schedule.
  • Trains in Israel are a pleasure - except when they're closed or on strike.
  • Drivers are not so helpful if you're looking for a particular destination, but passengers universally are.
  • Local bus fares are generally good for 90 minutes, with any number of stopovers, in any direction.
  • Buses never have washrooms – even long-haul buses like the Haifa to Eilat run (6 hours).  There are 2 stopovers in miserable little truck stops.
  • Trains are generally more comfortable than buses – especially if you need to get up, walk around and/or use the washroom.  You might pay a few shekels more, but it’s worth it.
Haifa's wonderful new high-speed "Metronit" buses.


Though Israel is low-tech in a lot of surprising ways, there is one bit of high-tech that has made travelling by public transit a real pleasure, and that’s…

The Magic Info Number

Seven things you MUST know before renting an apartment in Israel: an essential guide for new olim.

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Before you think about signing a lease for your first apartment in Israel, here are seven essential questions you MUST ask.  Make sure you know the answers before you put pen to paper.

  1. Can a realtor help me?  Maybe yes, maybe no.  In some areas, a realtor for rentals may be hard (like outside the centre of the country).  If you do find one, they generally charge a fee of one month’s rent.  We couldn’t find a realtor, but in the end, I found our place easily on “Yad Shtayim,” one big website for secondhand goods and real estate.   I used Google Translate for terms and descriptions I didn’t understand and Google Maps to help me understand where each apartment was.
  2. Who owns the apartment?  Unlike in the U.S. and Canada, buildings aren't usually centrally owned, so each apartment in a building has a different owner.  Most buildings have a "Vaad HaBayit" (Building Committee) to make sure central expenses get paid and central issues (like painting and cleaning) are dealt with.  Ask, because this is extra on top of your rent.
  3. Are appliances included?  Usually not.  Unfurnished apartments don't include appliances like washer, fridge, stove.  You will probably need to buy these when you move into your first apartment in Israel (measure first!!!).

What’s the first thing you’ll buy in Israel? (Real olim tell all!)

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Get out your pocketbook… it’s aliyah time!  What’s the first thing you’ll buy once you’re finally here? 

Not sure?  Let other olim tell you!

A lot of sites tell you the Big Ideas, but only in AliyahLand will you find the Nitty Gritty:  the stuff you’ll need when you’re fresh off the plane.

We’re busy busy over here getting ready for Pesach.  So I figured I’d let the Nefesh b’Nefesh Facebook group write today’s post for me.  Here’s what I asked them:

Not Pesach-related, for a blog post: what was the first thing you bought after you arrived in Israel? (besides food/drinks)

A spectacular number of people jumped in to answer.  I’ve sorted their answers into categories to help you get a better idea of what you’ll have to do with that little envelope of Sal Klitah money that they hand you at the airport.

(I couldn’t believe that was true, despite repeated reassurances, until I actually held it in my hands.)

What are you likely to need to buy right away?  (If somebody answered in several categories, I listed their reply under the FIRST item they mentioned.)

Making aliyah with kids? 6 things you MUST know about the school system here.

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Last week, I wrote an article for the Canadian Jewish News about what’s different for olim about the education system here in Israel. 

That’ll be coming out in a couple of weeks (I’ll link to it here once it’s up), but due to word length limits, there were a whole bunch of ideas I just couldn’t cram in.

I interviewed 4 parents, who agreed to be quoted by name for my article.  Because I didn’t mention using their quotes in a blog post, I’m going to use their quotes without attribution.

These 6 things came up, to greater or lesser degrees, in all of the parents’ comments.  I hope you’ll read through them and if you’re here already, jump in at the end to share your own (and your kids’!) experiences in the comments section.

1. Shorter days, longer weeks

The first thing you may notice when you’re sending kids to school in Israel is the most obvious – the school week is 6 days, not 5 (from Sunday to Friday). 

Gift ideas for friends and family in Israel? Look no further!

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How dumb is this post topic?  Who writes about gift-giving in January?

Right.  Yay!  Can you see my hand up, waving proudly, from all the way over here?

If I was a better, smarter blogger, more interested in dollar signs (and shekel symbols), I would have posted this in December.  Hmm… guess not.

And I could save it for December 2015, but really…?  The way my brain works, it’ll never happen if I put it off.

Anyway, I’m reminded of gifts today because our winter-holiday-seasonal gift arrived from Akiva’s sister in Canada. 

She mailed it on November 24th, and today it is January 27, so that’s a little over 2 months.  And I’m not saying what it cost to mail.  We’ll open it when the kids are home from school, and I can’t wait to see what’s inside.

So that’s one kind of gift.  Don’t get me wrong.  One of the highlights of living here is GETTING STUFF.  I love receiving packages.  Our local post office knows us well and I’m sure they have our number on speed-dial.

But there are other ways to send something special that feel just as “gifty” without breaking the bank on postage charges.

Giving or getting gifts to and from Israel can be a huge challenge, which calls for a little creativity.

Try an “intangible” gift that won’t take up space

If you’re in Israel and want to send gifts back to North America… (if you’re sending the other way, read on anyway)

Instead of buying something bulky and overpriced in Israel and paying more than you spent on the gift to ship it to North America or Europe, think about "intangibles" you can buy and ship for nearly free.

Some good ideas:

The mighty “drowning in English books” book sale – buy these books for ₪10 each!

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Most of our reading is in ebook form these days, but on Shabbos, we still have to have REAL books to read.  Somehow, over the last 18 months or so, this has added up to a LOT of books. 

IMG_00005842I’m asking ₪10 per book, but if you want more than one, feel free to make an offer.  ANY offer, seriously.

This is a whole hodge-podge, not just Jewish books.  I hope you’ll find something you’re looking for on the list.

Within Israel, I will send you the book(s) of your choice PLUS the cost of mailing (I have a scale here; email me and I’ll weigh the ones you want and calculate postage).

Local meetup is 5nis in the Haifa/Krayot region, at central meeting spots including the Kiryon and Lev Hamifratz.  (If you can get to Kiryat Yam/Kiryat Shmuel, I’ll hand you your books for free.)

Here’s the entire list, sorted by title.  All titles are paperback unless otherwise noted.  Most are in good used condition.  If you see a book here and it’s not crossed out, it’s still available.  Feel free to ask about any individual book.

Ready to work: finding your first job in Israel.

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What’s stopping you from making aliyah?

Maybe it’s the thought of having to find a job here in Israel.  If so, I don’t blame you.  It’s very, very scary having to start over again in another country.

Close your eyes and think about work.  What do you picture yourself doing?  Maybe it’s more of the same – exactly what you’re doing now – or maybe it’s something completely different.

I haven’t written much about looking for work here so far.  Why?  I’ll be honest:  I feel unqualified.  Maybe because I don’t have a job myself, but also because so much depends on what kind of work you do.  (If you’re a writer, specializing in articles and blog posts in English, or in children’s books, then let’s talk.)

Your experience will depend on whether you’re a doctor, English teacher, hairdresser, yoga teacher, graphic artist, or… well, you get the picture.

But I’ve certainly talked to enough olim and potential olim to have a sense of what things are like.  So I’ve put together five questions you can ask yourself that will definitely make finding a job easier once you’ve landed in Israel.

What about finding a job first?

This has got to be the biggest question for many olim – their dream of hitting the ground running. 

How can you have a job lined up the minute you arrive? 

Weird, Wacky, Wonderful (Hebrew) Words: Kedai / כְּדָאִי vs Kedei / כְּדֵי

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Meet the word kedai.  It’s one of my favourites.

Here it is:  כְּדָאִי

(say it – ke-DIE, like as in when a person dies)

This has got to be one of the most subtle, flexible words in the Hebrew language.

Part of its beauty is that it doesn’t have an exact translation.  Morfix says it means, “it is worthwhile, feasible.”  It’s probably true, but believe me, kedai gets a lot more use than those English words ever have.

Every time someone says that Israelis are all aggressive and in your face, lacking any semblance of subtlety, a kedai loses its wings and falls to the floor in a coma.  To Israelis, kedai is the essence of subtlety and tact.

If you want to suggest that it’s better to do something – it’s kedai.

If you prefer one option over another – it’s kedai.

Israel’s cheap coffee obsession: 5 shekels, fixed price!

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Do you know how much 5 shekels is worth these days?

Not much.  About $1.46 Canadian; $1.29 US.

Which probably explains why this is Israel’s favourite new price tag for coffee and other edibles.

Five-shekel obsession started in the centre of the country, but it’s spreading out, propelled by chains like cofix – the original five-shekel fixed-price coffee joint.

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Before cofix, Israel’s reigning coffee-bar champ was probably Aroma.  I like the idea of Aroma more than I like the place itself, and I don’t love their icekaffe, the basic coffee slushie that every coffee chain carries.

The one thing you must know about Aroma is that it’s expensive.  You’ll pay maybe 15-20nis for an icekaffe, and any of their other chilly or warm delicacies (served with their signature mini chocolate bar on the side).

Then, along came cofix.

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