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	<title>Shomer Shekalim</title>
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	<link>http://shomershekalim.com</link>
	<description>helping Israelis understand and take control of their finances</description>
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		<title>Shomer Shekalim</title>
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		<item>
		<title>the different kinds of health insurance in Israel</title>
		<link>http://shomershekalim.com/2013/06/13/health-insurance/</link>
		<comments>http://shomershekalim.com/2013/06/13/health-insurance/#comments</comments>
		<pubDate>Thu, 13 Jun 2013 05:29:43 +0000</pubDate>
		<dc:creator>jonnydegani</dc:creator>
				<category><![CDATA[insurance]]></category>
		<category><![CDATA[no tag]]></category>
		<category><![CDATA[Pensions & Everyday Investments]]></category>

		<guid isPermaLink="false">http://shomershekalim.com/?p=2815</guid>
		<description><![CDATA[The first time I was offered to buy health insurance in Israel, I pushed it aside.  Isn&#8217;t everyone covered for everything here?  Well, kind of, but not exactly.  This post seeks to explain the different levels of insurance in the country and what kind of coverage each layer provides. Level One: Bituach Leumi (through your [&#8230;]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=shomershekalim.com&#038;blog=7061454&#038;post=2815&#038;subd=shomershekalim&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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			<media:title type="html">jonnydegani</media:title>
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		<title>Seudi (long term care) and Teunot Ishiyot (personal injury)</title>
		<link>http://shomershekalim.com/2013/06/11/seudi-long-term-care-and-teunot-ishiyot-personal-injury/</link>
		<comments>http://shomershekalim.com/2013/06/11/seudi-long-term-care-and-teunot-ishiyot-personal-injury/#comments</comments>
		<pubDate>Tue, 11 Jun 2013 11:20:06 +0000</pubDate>
		<dc:creator>jonnydegani</dc:creator>
				<category><![CDATA[insurance]]></category>

		<guid isPermaLink="false">http://shomershekalim.com/?p=2804</guid>
		<description><![CDATA[If I were to die tomorrow, my family would suffer financially; it is therefore imperative that I ensure that my salary could be replaced and my family could continue to live the kind of life we live today.  But if I were disabled, things would be much tougher.  Not only would my family have to [&#8230;]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=shomershekalim.com&#038;blog=7061454&#038;post=2804&#038;subd=shomershekalim&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://shomershekalim.com/2013/06/11/seudi-long-term-care-and-teunot-ishiyot-personal-injury/feed/</wfw:commentRss>
		<slash:comments>6</slash:comments>
	
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		<title>Life and Disability Insurance</title>
		<link>http://shomershekalim.com/2013/06/09/life-and-disability-insurance/</link>
		<comments>http://shomershekalim.com/2013/06/09/life-and-disability-insurance/#comments</comments>
		<pubDate>Sun, 09 Jun 2013 14:15:22 +0000</pubDate>
		<dc:creator>jonnydegani</dc:creator>
				<category><![CDATA[insurance]]></category>
		<category><![CDATA[Pensions & Everyday Investments]]></category>

		<guid isPermaLink="false">http://shomershekalim.com/?p=2800</guid>
		<description><![CDATA[A while ago, I posted about the insurance in your pension, discussing how much insurance you&#8217;re already paying for, and therefore do not need to purchase.  In this post I plan to review the common misconceptions that people have about insurance and what is and is not necessary to buy in addition to the insurance [&#8230;]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=shomershekalim.com&#038;blog=7061454&#038;post=2800&#038;subd=shomershekalim&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://shomershekalim.com/2013/06/09/life-and-disability-insurance/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">jonnydegani</media:title>
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		<title>transferring money from abroad using IsraTransfer</title>
		<link>http://shomershekalim.com/2013/06/05/transferring-money-from-abroad-using-isratransfer/</link>
		<comments>http://shomershekalim.com/2013/06/05/transferring-money-from-abroad-using-isratransfer/#comments</comments>
		<pubDate>Wed, 05 Jun 2013 13:00:21 +0000</pubDate>
		<dc:creator>jonnydegani</dc:creator>
				<category><![CDATA[banking]]></category>
		<category><![CDATA[cutting back other expenses]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[save money now]]></category>
		<category><![CDATA[Taxes, Banking & Mortgages]]></category>

		<guid isPermaLink="false">http://shomershekalim.com/?p=2790</guid>
		<description><![CDATA[Over the past few years I have gotten many mails with questions about salaries from abroad.  While I can help with the pension and budgeting part, more help is needed, specifically when moving the foreign currency to Israel and not getting ripped off on the exchange rate.  I was thrilled to see IsraTransfer &#8216;s service and [&#8230;]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=shomershekalim.com&#038;blog=7061454&#038;post=2790&#038;subd=shomershekalim&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://shomershekalim.com/2013/06/05/transferring-money-from-abroad-using-isratransfer/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
	
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			<media:title type="html">jonnydegani</media:title>
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		<title>Pensions Part Seven:  How to Choose a Pension Fund</title>
		<link>http://shomershekalim.com/2013/05/13/pensions-part-seven-how-to-choose-a-pension-fund/</link>
		<comments>http://shomershekalim.com/2013/05/13/pensions-part-seven-how-to-choose-a-pension-fund/#comments</comments>
		<pubDate>Mon, 13 May 2013 14:11:36 +0000</pubDate>
		<dc:creator>jonnydegani</dc:creator>
				<category><![CDATA[no tag]]></category>
		<category><![CDATA[pensions]]></category>
		<category><![CDATA[Pensions & Everyday Investments]]></category>

		<guid isPermaLink="false">http://shomershekalim.com/?p=2764</guid>
		<description><![CDATA[You’re almost there.  You already know what you’re paying into the system and when you&#8217;ll begin paying.  You know the different products on the market and how the different products approach risk.  You know how to compare returns from the various funds and understand the various fee structures.  You even know the kind of insurance involved and [&#8230;]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=shomershekalim.com&#038;blog=7061454&#038;post=2764&#038;subd=shomershekalim&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://shomershekalim.com/2013/05/13/pensions-part-seven-how-to-choose-a-pension-fund/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">jonnydegani</media:title>
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		<title>Pensions Part Six: The Insurance in Your Pension</title>
		<link>http://shomershekalim.com/2013/05/12/pensions-part-six-insurance/</link>
		<comments>http://shomershekalim.com/2013/05/12/pensions-part-six-insurance/#comments</comments>
		<pubDate>Sun, 12 May 2013 15:10:52 +0000</pubDate>
		<dc:creator>jonnydegani</dc:creator>
				<category><![CDATA[pensions]]></category>
		<category><![CDATA[Pensions & Everyday Investments]]></category>

		<guid isPermaLink="false">http://shomershekalim.com/?p=2734</guid>
		<description><![CDATA[Without a doubt, the subject that about which most I have encountered are the least knowledgeable is the insurance part of the pension.  This is a huge shame because not only does ignorance of this subject lead to wasting thousands of shekels on unnecessary insurance, but it can also lead to people not having the [&#8230;]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=shomershekalim.com&#038;blog=7061454&#038;post=2734&#038;subd=shomershekalim&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://shomershekalim.com/2013/05/12/pensions-part-six-insurance/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
	
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			<media:title type="html">jonnydegani</media:title>
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		<title>Initial Results of Billing Companies Poll</title>
		<link>http://shomershekalim.com/2013/05/09/initial-results-of-billing-companies-poll/</link>
		<comments>http://shomershekalim.com/2013/05/09/initial-results-of-billing-companies-poll/#comments</comments>
		<pubDate>Thu, 09 May 2013 11:00:39 +0000</pubDate>
		<dc:creator>jonnydegani</dc:creator>
				<category><![CDATA[no tag]]></category>

		<guid isPermaLink="false">http://shomershekalim.com/?p=2739</guid>
		<description><![CDATA[A few weeks ago, I posted up a link to a polldaddy poll I created asking people about different billing companies in Israel.  Despite my best efforts including 25 linkedin groups and a front page spot on Janglo, I only got 13 responses.  Nonetheless, 14 is better than 0 and I actually found the results [&#8230;]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=shomershekalim.com&#038;blog=7061454&#038;post=2739&#038;subd=shomershekalim&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://shomershekalim.com/2013/05/09/initial-results-of-billing-companies-poll/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">jonnydegani</media:title>
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		<title>Pensions Part Five: Understanding and Avoiding Fees</title>
		<link>http://shomershekalim.com/2013/05/08/pensions-part-five-understanding-and-avoiding-fees/</link>
		<comments>http://shomershekalim.com/2013/05/08/pensions-part-five-understanding-and-avoiding-fees/#comments</comments>
		<pubDate>Wed, 08 May 2013 12:14:35 +0000</pubDate>
		<dc:creator>jonnydegani</dc:creator>
				<category><![CDATA[pensions]]></category>
		<category><![CDATA[Pensions & Everyday Investments]]></category>

		<guid isPermaLink="false">http://shomershekalim.com/?p=2727</guid>
		<description><![CDATA[There&#8217;s no sugarcoating it; finance charges are one of the biggest inhibitors to the growth of your retirement and you should strive to avoid them like the plague.  Not paying 4% of your pension for fees sounds a lot like making an additional 4% on your money (it’s even more when you take compound interest [&#8230;]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=shomershekalim.com&#038;blog=7061454&#038;post=2727&#038;subd=shomershekalim&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://shomershekalim.com/2013/05/08/pensions-part-five-understanding-and-avoiding-fees/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">jonnydegani</media:title>
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		<item>
		<title>Poll: Billing Companies in Israel</title>
		<link>http://shomershekalim.com/2013/04/21/2718/</link>
		<comments>http://shomershekalim.com/2013/04/21/2718/#comments</comments>
		<pubDate>Sun, 21 Apr 2013 14:57:42 +0000</pubDate>
		<dc:creator>jonnydegani</dc:creator>
				<category><![CDATA[no tag]]></category>

		<guid isPermaLink="false">http://shomershekalim.com/?p=2718</guid>
		<description><![CDATA[A while ago, I published a post about billing companies and freelancing in Israel.  Since publishing this post, I have received dozens of e-mails asking me which service I preferred.  Since I only worked with one company, I clearly cannot give any personal recommendations and opinions about all the companies.  If you worked with any billing company, [&#8230;]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=shomershekalim.com&#038;blog=7061454&#038;post=2718&#038;subd=shomershekalim&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://shomershekalim.com/2013/04/21/2718/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
	
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			<media:title type="html">jonnydegani</media:title>
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		<title>Pensions Part Four: Risk and Returns</title>
		<link>http://shomershekalim.com/2013/04/21/pensions-part-four-risk-and-returns/</link>
		<comments>http://shomershekalim.com/2013/04/21/pensions-part-four-risk-and-returns/#comments</comments>
		<pubDate>Sun, 21 Apr 2013 11:40:31 +0000</pubDate>
		<dc:creator>jonnydegani</dc:creator>
				<category><![CDATA[pensions]]></category>
		<category><![CDATA[Pensions & Everyday Investments]]></category>

		<guid isPermaLink="false">http://shomershekalim.com/?p=2715</guid>
		<description><![CDATA[One of the most important things that you must know about managing this biggest investment of your life is how to compare the returns, or the money you make on your investments.  The following steps will enable you to compare your fund against others in the market place: The Ministry of Finance established a site [&#8230;]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=shomershekalim.com&#038;blog=7061454&#038;post=2715&#038;subd=shomershekalim&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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