Apply for the discount for Arnona online! Life on a Shoestring

 I live in Jerusalem, and I didn't think to apply for a discount on the Arnona, but everyone should check because this can add up to 1000's of NIS that you could over pay!   If you have moved recently, you can apply now, but if not, then apply before Aug 31st for the next calendar year!

The site is in Hebrew:  

https://jeronlineforms.jerusalem.muni.il/SmartDiscounts

You can apply up to Aug. 31st for the next year.  Good Luck!!

It is easy to understand it if you go through all the steps, you might get a pleasant surprise next month!!

Rachael Alice Orbach 

lifecoachjerusalem@gmail.com 

Work Grant Help. Life on a Shoestring

 

You can apply for a Work Grant from the government now until 31/12/25 for the year 2023 and 2024.  This could be worth a half a month's salary. . .  Every little bit helps!!  I got 4100NIS when I did this last Thursday! 

 

But you have to go into the website https://www.gov.il/he/departments/topics/work_grant/govil-landing-page 

 

First you have to have a password for the Israel government. 

 

This can be time consuming to get, but if you have a credit card, a upto date Israeli passport and the ID of your employer that starts with 9 and is 9 digits, you can register. 

 

It might take time to get the password, but then the Job Grant  מענק עוהדה site  will be fast.  

The site is only in Hebrew!!  

 

If you need help, call me: Rachael Alice Orbach- LIfe Coach

lifecoachjerusalem@gmail.com

Rent or buy ? Life on a Shoestring

I just saw this sign on my morning dog  walk and I was very surprised.  4600NIS used to be the rent for a two room apartment, that is ONE BEDROOM, nice  kitchen, normal bathroom with a nice shower or bathtub.  A 1.5 room apartment is one bedroom and a SMALL kitchen., a shower stall, basically: A glorified Studio apartment.  

 

If you are making Aliyah, or moving to a new city in Israel,  you have to decide whether to rent or to buy an apartment.  House are very rare in Israel and you pay for the 

privilege to own it.  Most people buy or rent an apartment, or have to double up and live with friends. 

One of the  hurdles that you must jump if you want to buy is to get a mortgage.  If you have Oleh Hadash rights you can get a better deal at the bank, but you still have to put down a bigger down payment than in the USA.   You have to have 3 months of Tlush Mascoret, and be prepared to give 3 months or more of your bank accout statements to the bank.  It is very common for banks, social workers and schools to ask for your bank account statements.  This is NOT private info like in the USA.    Monty payments can be very high, as much as 15,000NIS a month.  

Renting can be an option, you don't need a big down payment, buy be prepared to have 1st and last month's rent in cash, and if either side uses a real estate agent, you have to pay a months' rent to the agent as well.   There is also a security deposit to think about, and Vaad Bayit as well as Property Tax: Aronona.   How many Rooms can you afford?  In Israel the rooms, count the bedrooms and the living room.  So a ONE room apartment is  studio, a TWO room apartment is a bedroom and a living room, and so on.  This is a big culture shock for Americans. 

Check sites like https://www.yad2.co.il/realestate/rent?srsltid=AfmBOopGHtAegcrEbU7bwA-cspDKcWJLLPnEDn5Estw7PF-nTXT8uE5x

to check prices in the area that you want to live in.  

If  you need help in deciding where to live and figuring out your expenses I can help you.

Rachael Alice Orbach 

lifecoachjerusalem@gmail.com 

שניצל מסעדה

How to protect yourself from Scammers- Rachael Alice Orbach Life Coach

I almost got scammed yesterday.  I teach flute, clarinet, saxophone, guitar, mandolin, recorder and mandolin. 

So I have a lot of musical instruments that I could sell. I put up a flute 

and this man called me,  offering to buy it 

Of couse I said yes, but he said that he would send his brother to come get it, and he would pay by BIT. 

I opened the link and this is what I found.  The BIT was for me to send HIM the money, and then they would act as if they had paid me and come and take the flute.  

 Notice that in Hebrew it says קבלת כסף עבור חילי but in English it says for me to pay!  I declined the transaction.  

So I said, OH, you made a mistake,  please fix it,  He hung up.  I havn't heard from him again. 

BE CAREFUL WHEN YOU ARE IN THESE PAYMENT APPS, READ CAREFULLY!!!!

Rachael Alice Orbach - Life Coach Jerusalem 

lifecoachjerusalem@gmail.com 

 

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