Thursday, 22 March 2018

Searching for a Crowd Fundraiser Platform in Israel

I'm needing to set up another crowd fundraiser and hence searching for a website that offers crowd fundraising for those of us who are in Israel and do not have US PayPal. Believe it or not, not all Anglos come from the US and hence, not all Anglos in Israel have a US bank account or US PayPal.

If anyone knows of a good crowd fundraising platform for an individual to use, please let me know.

What is this about? Basically, I have to move again. Yes, again. Move number 43 and I've finding this very, very hard.

To be able to find an apartment, plus another for my mother that is close by, means I need the time to research all the apartment hunting sites. I need time to make calls and go and see apartments. I need a phone that works. Our mobile phones are not working very well which means I can't call apartments or anything related to work.

I need a computer that works. More and more every morning our computer struggles to turn on. Most of our work currently is online. So we need a new computer.

I need the funds to move. The minimum quote we received was ₪5200 for the move. Plus our current landlord expects us to paint the full apartment even though the majority of the walls are perfect. The cost of painting is a few thousand shekels. On top of that, the landlord expects us to pay him the difference on the conversion from dollars to shekels of the rent we paid in Shekels at a Shekel price. Mind you, he wont re-imburse us for those times the dollar-shekel rate was in our favour and we should get something back. He only charges more, no refunds permitted. One reason why we are moving, even though this is move 43.

We have to take down the ceiling fans we had to put up due to lack of adequate air flow and the fact that the standing fans we had were broken in the previous move. That also costs.

Plus packing, preparing for Pesach and on the other end we will have to unpack and get settled.

So this move is expensive and with the nose dive my income has taken in the last 2 years, I simply do not have the means to move. I called two Poskim, rabbis who answer questions regarding Torah law and they both said I am permitted to ask for help. Since crowd fundraising has become popular and I have no-one to ask, my only hope is to put it into a crowd fundraiser and pray that someone out there will have compassion and help us.

Other ways you can help:
- Visit our online store and purchase anything you see there at full price.
- Purchase our checklist on how to find a mover. It's only $7.
- Visit my website and become a member. Once the move is over I have plans to bring out a range of videos that gives tips to women in the role of wife and mother. These videos will be available only to paid members of the site.
- Join us on Patreon and become a Patron. Every dollar makes a difference.
- Purchase one of our books. We have four books out plus books of my mothers. You will find them in our online store or search for them on amazon. 

Thank you for caring for those who do.

Tuesday, 16 January 2018

What You Need to Know about Retirement in Israel

I have had the opportunity to visit a few assisted living residences for seniors. The first detail that stands out is, you have to be really wealthy in order to be a pensioner. Yes the facilities offer services to clean your apartment and they have activities, but the expense is far more than the cost of a basic apartment. What is the lesson here?

Actually there are a few lessons to learn.

1) Needs of Senior Citizens:

When a person reaches retirement age, many needs arise. For those who lack family or social support, living in a residence where various activities are prepared and available becomes appealing. This enables a pensioner to enjoy interacting with people of their own age group. It means that the pensioner can engage in events, groups and activities that meet their needs without having to travel far.

A person who is a pensioner, often has the need for other assistance such as house cleaning, availability of healthcare etc

2) Planning required for Retirement:

Though some may want to remain independent in their own home once they reach their more senior years, it wont be possible for everyone. For those who require moving to an assisted living facility, it is important to know that there are many costs involved. The pensioner will have to pay rent and services. Some packages require paying a hefty deposit upfront and then paying monthly services. This hefty deposit can be NIS 1.5 million. Or, they can pay NIS 50 000 deposit plus rent and services. The types of rent I am hearing of so far range from NIS 5000 - NIS 20 000. 

Quite clearly, these kinds of figures are going to require very nice pension plans. In order to prepare adequately for one's pension one has to earn well during one's younger years. This indicates very clearly that earning minimum wage is not a good idea. It is important to earn a salary that will enable you to plan and prepare for your retirement appropriately.

3) Important Lesson to Glean From These Residences:

Ever since I made Aliyah, people love to say that no-one in Israel has money and hence I can not charge for any services. Now this piece of information does not match up with the residences I am seeing. Let's take a look at this a little further.

If there are residences that are mostly full with seniors able to pay a hefty deposit, plus at least NIS 10 000 a month if not double that, then there are people in Israel earning very nicely. Let's be honest here, this is monthly payment that does not include one's transport, toiletries etc. Also keep in mind, they are not replenishing their bank account. This is coming from their pension or life savings. If someone is paying minimum NIS 10 000 a month, they can not have been earning around NIS 5000 a month. To me I look at this information and learn that there absolutely is money in Israel. So for those wanting to work privately, go ahead and do so. The question now is not there is no-one who can afford private services but rather where are those who can afford to pay.

Personally, we as a greater community here in Israel have a responsibility to reframe our thinking towards earning. The strong habit of pushing Olim into minimum wage is leading to a pattern that will have very damaging consequences. There already is a high level of poverty. What will be when the younger generation who earns only minimum wage reaches retirement? The small amount that Bituach Leumi offers does not even cover a basic rent. It certainly wont enable a pensioner to live in the kind of residences I am finding here.

In summary:
Don't be put off by those who have limited thinking wanting to keep you down by insisting you earn minimum wage and nothing more. Know that there is money in Israel and do your homework to find out how and where you can earn better. Know also that there are lots of opportunities to earn now thanks to the development of technology, especially the internet.

Next, understand that in order to retire you are going to need to have a really good pension. So start planning early on. Don't wait until you reach retirement age and discover you have no pension.

And lastly, if you have an entrepreneurial spirit, don't be put off. Do your market research and make sure to structure your services to those who can afford private rates or to purchase your products if you create products.

In short, knowledge, planning and preparation enable you to put in the effort to create the life that you need and deserve.

Wednesday, 10 January 2018

Yerushalayim Sheli - My Jerusalem, a Song

Since we love Yerushalayim, here is a fun song to listen to. The words are simple Hebrew and it is a wonderful way to learn or improve your Hebrew. Yerushalayim Sheli - my Jerusalem or written correctly:
ירושלים שלי

If you would like to improve your reading, the lyrics are included below the video:

ירושלים שלי
מילים: דן אלמגור
לחן: נורית הירש

אמר הרוכל ממזכרת משה:
ירושלים שלי
היא מחנה יהודה בערב חגים
שבת של "פפיטס", קללות נהגים
וחומוס של רחמו וריח דגים
וחומוס של רחמו וריח דגים,
כביסה על הכביש ומקלחת מדלי

ירושלים, ירושלים,
ירושלים שלי.
ירושלים שלי...

אמר הסנדרל משכונת קטמון:
ירושלים שלי
הוא שבע שנים של גשמים בבלוקון
שיכון בלי חנות, אוטובוס בלי חשבון
שיכון בלי חנות, אוטובוס בלי חשבון,
שבת - הצגה ראשונה באוריון
גם קטמון ג' היא בשבילי

ירושלים שלי...

אמר הבלן ממאה שערים:
ירושלים שלי
היא שטריימל שחור וספרים אפורים
ו"בת ישראל לא תלך בקצרים"
ו"בת ישראל לא תלך בקצרים",
היא לחש תפילה לימים אחרים
לא כאן, כי למעלה קורצת היא לי

ירושלים שלי...

אמר הצעיר שם ליד שער שכם:
ירושלים שלי
היא צלב על חנות, ושוטרים בחצות
אחות שהלשינה ובור עם פצצות
אחות שהלשינה ובור עם פצצות,
מצעד עצמאות, וידיים קפוצות,
"יס סר! ווט, קבב, אור שישליק?"

ירושלים שלי...

אמר החייל מאשדות יעקב
ירושלים שלי
הייתי בה פעם בבוקר של שכול
סימטה וצלף בצריח משמאל
מאז לא חזרתי פשוט לא יכול
אבנר וגדי - שניהם בשבילי
ירושלים שלי.
I hope you enjoy both the song and the words.

Have a wonderful rest of your day


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