FROM OLGA TO OBAMA AND BILL CLINTON AND HILLARYJI AND MISTER BIDEN AND THE DNC – SO, WE CONCLUDE EVEN IN – STILL – HEAVILY AGRARIAN SOCIETIES – AND ECONOMIES TECHNOLOGY PAYS THE HIGHEST SALARUES – AND SINCE INCOME EQAULS PRODUCTIVITY AS ROMENEY EXPLAINED IN 2012 – AND AJAY AND OBAMA AGREE – WE HAVE TO STATE THE OBVIOUS – THAT THE FUTURE IS IN TECH – AND WELL, I AM NOT FROM TECHNION – BUT MISTER IIT IS UNDER ME – :) AND WHAT ABOUT U BARACK ? – U AND ME HAVE THE BEST GLASSES – PEOPLE CAN BORROW – OH ALSO – ONE MORE THING – AND THIS IS FOR BARACK -> HEY – DID U NOTICE THAT EDUCATION WORKERS – GET PAID LESS EVEN IN INDIA, RUSSIA AND ISRAEL – NOT JUST IN USA ? – ANY THOUGHTS ON THAT ?


NOW

MY MOM IS IN EDCUATION IN ISAREL

NOW, BARACK SAID THAT TYPICALLY TECAHERS ARE UNDER PAID BECAUSE THEY ARE MOSTLY WOMEN- AND GIRLS – MAYBE THATS TRUE

AND

ALSO – THIS IS NOT RIGHT MODI JI

SO,

IN THE LONG RUN – SINCE THERE ARE ONLY LABOR AND CAPITAL AND TECHNOLOGY – AS THE VARIANBLES FOR THE SOLOW GROWTH MODEL

MAY I ASK – WHAT IS BEING DONE TO THE EDUCATION SECTOR – IN THE USA – BUT ALSO IN ISAREL AND INDIA ?

AND BTW – BARAC – U SHOULD READ THE BOOK ANIMAL SPIRITS – ITS FREE TO DOWNLAOD FROM THE LINK – SEE BELOW

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IN HINDUKUSH AND KASHMIR – WE ISHAVE

[1] THE LONGEST RUNNING WAR IN THE HISTORY OF WARS

[2] NUCLEAR POWERED – ARMIES –

AND NUMBER 3 : WE IS HAVE RUSSHIA – IN HINDUKUSH AND KAHSMIR – NOT JUST CHINA AND PAKISTAN

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THIS IS THE CORRECT DATA ON ISARELI INCOMES FROM THE OFFICE OR BUREAU OF STATISTICS IN ISRAEL : Average Israeli salary rises slightly to NIS 11,004 per month Mean monthly pay increases by 3.4% since last year; highest paid sector is information and communications, lowest is food and hospitality industries By LUKE TRESS 6 October 2019, 9:30 pm 0 11 shares Illustrative: The DLD Tel Aviv Digital Conference, Israel’s largest high tech gathering, September 27, 2016. The tech industry is the among the highest paid in Israel, with an average salary of NIS 23,375 ($6,719) per month. (Miriam Alster/Flash90) Illustrative: The DLD Tel Aviv Digital Conference, Israel’s largest high tech gathering, September 27, 2016. The tech industry is the among the highest paid in Israel, with an average salary of NIS 23,375 ($6,719) per month. (Miriam Alster/Flash90) The average Israeli salary stood at 11,004 NIS ($3,163) per month, as of July 2019, the Central Bureau of Statistics reported on Sunday. The

Average Israeli salary rises slightly to NIS 11,004 per month

Mean monthly pay increases by 3.4% since last year; highest paid sector is information and communications, lowest is food and hospitality industries

By LUKE TRESS 6 October 2019, 9:30 pm 0

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Illustrative: The DLD Tel Aviv Digital Conference, Israel's largest high tech gathering, September 27, 2016. The tech industry is the among the highest paid in Israel, with an average salary of NIS 23,375 ($6,719) per month. (Miriam Alster/Flash90)Illustrative: The DLD Tel Aviv Digital Conference, Israel’s largest high tech gathering, September 27, 2016. The tech industry is the among the highest paid in Israel, with an average salary of NIS 23,375 ($6,719) per month. (Miriam Alster/Flash90)

The average Israeli salary stood at 11,004 NIS ($3,163) per month, as of July 2019, the Central Bureau of Statistics reported on Sunday.

The sum marked an increase of 3.4 percent over the same period last year.

The number of salaried workers in the country was 3,812,000, an increase of 1.8%.

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The highest paid industry was the information and communications sector, which includes many technology companies, where the average pay was NIS 22,122 ($6,358) per month, followed by financial and insurance services, where the mean salary was NIS 20,153 ($5,792).

Israel’s 329,500 high-tech workers made an average of NIS 23,375 ($6,719) per month, an increase of 4% over the previous year, with science researchers and developers leading this group, at NIS 25,517 ($7,334).

The lowest paid sector was the hospitality and food industry, where the average pay was only NIS 5,150 ($1,480).

The education field had the largest number of salaried workers, with 546,800 people making an average of NIS 9,106 ($2,617) per month.

Healthcare and welfare service workers, another major sector with 439,500 salaried employees, took home a below-average salary of NIS 9,680 ($2,782).

Wages were not equally distributed — 66.5% of salaried workers, 2,534,000 people, were employed in fields where the average pay was below the national average.

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ELEPHANT RIDE IN ISRAEL SEEN?

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THESE FIGURES FOR ISAREL SOMEHOW, DONT MATCH : Just how expensive is it to live in Israel? BY JESSICA STEINBERG AUGUST 16, 2011 2:13 PM Some of the hundreds of Israelis protesting against the country’s soaring cost of living in fron t of the Knesset in Jerusalem, Aug. 2, 2011. (Yossi Zamir/Flash 90 ) ADVERTISEMENT JERUSALEM (JTA) — What began in Isr ael in June as a Facebook-driven rebellion against the rising cost of cottage cheese, then morphed in July into tent enc ampments protesting soaring real estate costs, has since turned into a full-scale Israeli social movement against the hi gh cost of living in the Jewish state. From Tel Aviv’s tent-filled Rothschild Boulevard to marches in Beersheva, hundr eds of thousands of Israelis have participated in one protest or another. The movement’s targets have expanded from ho using and cheese prices to everything from the costs of child care and gas — not to mention salaries. All this begs th e question: Just how expensive is it to li

Just how expensive is it to live in Israel?

BY JESSICA STEINBERG AUGUST 16, 2011 2:13 PM


Some of the hundreds of Israelis protesting against the country’s soaring cost of living in front of the Knesset in Jerusalem, Aug. 2, 2011. (Yossi Zamir/Flash 90 )

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JERUSALEM (JTA) — What began in Israel in June as a Facebook-driven rebellion against the rising cost of cottage cheese, then morphed in July into tent encampments protesting soaring real estate costs, has since turned into a full-scale Israeli social movement against the high cost of living in the Jewish state.

From Tel Aviv’s tent-filled Rothschild Boulevard to marches in Beersheva, hundreds of thousands of Israelis have participated in one protest or another. The movement’s targets have expanded from housing and cheese prices to everything from the costs of child care and gas — not to mention salaries.

All this begs the question: Just how expensive is it to live in Israel?

A close examination of some key metrics show that compared to the United States and Europe, Israeli costs of living are a mixed bag. Salaries are lower, but so are health care costs. Consumer goods and services costs are nearly double those in the United States, and owning a car can run about six times as much relative to one’s salary.

So how do Israelis make it? Israeli retailers and banks offer easy credit on everything from big-ticket items like summer vacations to everyday purchases like groceries; all can be paid in monthly installments. The result is that many Israelis are perennially in debt and are increasingly frustrated by their inability to cover costs with their monthly paychecks.

Here’s a closer look at some of the costs of living in Israel.

Housing

The most expensive and desirable places to live in Israel are in the center of the country, where the vast majority of the population resides and works.

According to figures from the real estate company RE/MAX Israel, apartment prices in central Tel Aviv run $5,714 to $7,142 per square meter. In Jerusalem, the peripheral neighborhoods of East Talpiot and Kiryat Hayovel offer housing from $4,285 to $5,714 per square meter, while prices in the tonier neighborhoods of Baka, the German Colony and Rechavia range from $7,000 to $8,571 per square meter.

That means that in Baka or the German Colony, a typical two-bedroom apartment starts at $428,571, according to Alyssa Friedland, a broker for RE/MAX. In the peripheral neighborhoods, some of which are built on territory captured from Jordan in the 1967 Six-Day War, a two-bedroom apartment runs for about $343,000. According to RE/MAX figures, two-bedroom apartments in Beersheva, Haifa, Hadera and Afula cost between $143,000 and $286,000.

Mortgage rates are about 4.5 percent, according to Friedland, but the required down payment is usually about 40 percent.

“Young couples are getting the money from their parents because they don’t typically have savings like that,” she said.

As the economist Daniel Doron noted recently in The Wall Street Journal, “A small apartment can cost the average Israeli worker 12 years in annual salary.”

Salaries

In Israel, the average salary is about $2,572 per month, and the average income for a tfamily with two wage earners is approximately $3,428 per month, according to Israel’s Central Bureau of Statistics.

Teachers and nurses earn abound $1,666 a month, making Israeli teachers’ salaries among the lowest in the world, according to a recent report by the international Organization for Economic Cooperation and Development (OECD).

Business managers, computer engineers and lawyers have some of the highest median salaries in Israel. A lawyer with five years’ experience can make $5,500 to $6,500 per month, and top associates earn about $8,571 per month, according to Dudi Zalmanovitsh, who runs the Tel Aviv law consulting firm GlawBAL. Technology professionals are some of the highest paid in Israel, with technical writers and software engineers earning between $2,500 and $3,500 a month, and managers making upward of $10,000 a month.

Doctors, most of whom work at clinics and hospitals, earn $6,000 to $7,000 a month, unless they also have a private practice.

Transportation

With a tax rate of 78 percent on new cars, a lack of competition in the import market and high auto insurance costs — not to mention the price of gas — owning a car can be one of the most expensive things for an Israeli.

A Honda Civic, which has a sticker price of approximately $16,000 in the United States, costs $33,000 in Israel. Gas costs more than $8 per gallon.

As most Israelis earn about one-third of their American counterparts, Israelis may spend more than six times as much of their monthly salaries on car ownership as the average American.

The alternative — public transportation — is cheap by comparison in Israel, though the network of mass transit is much less developed here than in America or Europe.

A small but growing number of Israelis commute by train, but most need to take a bus to complete their commute. Buses are subsidized and therefore relatively cheap. Within cities, bus fare costs about $1.51 per ride or $65 for a monthly pass.

Health care

Israel’s socialized health care system is considered among the world’s best, and taxes pay the lion’s share of costs. Based on figures from the National Insurance Institute, the health care costs deducted from the average paycheck are between 3 percent and 5.5 percent, estimates Dr. Michael Cohen, who runs an HMO in the coastal city of Netanya.

With a system of universal health care run by private corporations, all citizens are entitled to the same uniform package. Whether self-employed or employed by a company, every citizen pays a basic health insurance rate to one of the four HMOs, which are heavily regulated by the government and subsidized.

For Israelis who need to visit the doctor, require fertility treatment or visit the emergency room, the extra costs are minimal. Medications are cheaper in Israel than in the United States because they are subsidized by the HMOs.

Many Israelis choose to expand their coverage with private health insurance that offers more access to private care or more comprehensive coverage. Private insurance costs a fraction of what it costs in the States.

“The working poor are much better off here because if someone gets sick, they still get full hospital treatment for what would be very expensive in the U.S.,” Cohen said.

Taxes

Israel is more like Europe than America on taxes. The top rate of income tax is 45 percent (it was 50 percent until 2003). The value added tax, or VAT, which amounts to a sales tax, is 16 percent. That’s considered regressive because rich and poor pay the same rate.

The average Israeli pays an income tax rate of 20.5 percent. The top 1 percent of salaried workers, who earn an average of $19,000 per month, pay a 40 percent income tax rate. The top 1 percent of the self-employed — the super-rich who gross an average of $121,000 per month — pay 26 percent in income tax.

Education

Education is one area in which Israelis pay considerably less than Americans.

Tuition at Israel’s renowned public universities is about $2,714 per year, thanks in large part to government subsidies. At Israel’s lesser-known private colleges, tuition costs about $8,571 each year. Compared with other developed countries, Israel ranks eighth out of the OECD’s 26 countries for tuition rates.

Those paying tuition for Jewish day school in America would save a bundle in Israel. Public schools — whether secular, Modern Orthodox or haredi Orthodox — are free. However, parents must pay service fees for field trips and special events, are responsible for busing costs and must pay for books.

The growing number of semi-private schools that offer special pluralistic, democratic or religious curricula charge annual tuitions ranging from $800 to $1,600, and boarding schools charge $3,000 to $5,000 per year.

Because the traditional Israeli primary school day is short, often ending before 2 p.m., many parents shell out money for afternoon childcare programs or afterschool activities.

The most expensive part of child rearing may be day care for the under-3 set. Some day care centers cost $630 a month for private toddler day care. Once children turn 3, they can take advantage of the public school system and day care centers that charge as little as $257 a month for a six-day, six-hour program.

Food

Israel’s social protest movement began with an investigative report by the Globes business daily on food prices. Globes found that prices for basic food products were two to three times higher in Israeli stores than in other Western countries.

An 8-ounce container of cottage cheese costs $1.68; a pound of hummus costs $4.54; 2 liters of orange juice — in a country that exports oranges — costs $6.54; 2 pounds of rice costs $1.94; and a 13-ounce container of Israeli Osem soup nuts costs $4.54 — more than it costs in American stores that import the soup nuts from Israel. A 6-ounce can of Israeli-made sunscreen spray can cost approximately $40.

“Prices have gone above what the middle class and weaker classes can afford,” said Rami Levy, who owns 22 supermarkets nationwide. He attributed the rise to Israeli supermarket chains that collude to set prices.

“I started my business with the goal of selling to my customers at wholesale prices,” said Levy, who started with a stall in Jerusalem’s open-air Machane Yehudah market. “I wanted them to be able to buy what they needed and still have money left at the end of the month.”

HOTMAN WHARS THISE WITH BAT YAM YOUR SECRETE ARMY LOCATIONES? Average Israeli Household Earns $4,000 a Month (Af ter Taxes), Spends $3,200 Rehovot residents had the highest household income and manage to save over $1,500 a month. At the other end — Bat Yam. Moti Bassok SendSend me email alerts Dec 20, 2016 11:22 PM 0comments Zen Subscribe now 41shar e on facebook Tweet send via email reddit stumbleupon Mega outlet in Rehovot: Also big in red ink Shoppers outside a sup ermarket in Rehovot, the town with the highest household income in Israel.David Bachar Israeli households earned an aver age before-tax income of 18,671 shekels ($4855) a month last year, and an after-tax income of 15,427 shekels ($4011), ac cording to the newly-released results of a survey conducted by the Central Bureau of Statistics. Related Articles Why is Israel the second poorest nation in the OECD? Veteran Israelis earn 50% more than immigrants from former Soviet Union D espite some governmental short

Average Israeli Household Earns $4,000 a Month (After Taxes), Spends $3,200

Rehovot residents had the highest household income and manage to save over $1,500 a month. At the other end — Bat Yam.

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1018316866.jpgShoppers outside a supermarket in Rehovot, the town with the highest household income in Israel.David Bachar

Israeli households earned an average before-tax income of 18,671 shekels ($4855) a month last year, and an after-tax income of 15,427 shekels ($4011), according to the newly-released results of a survey conducted by the Central Bureau of Statistics.

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These figures include all sources of income, including salary, capital gains, government assistance and other financial support.

The average household had monthly expenses of 12,323 shekels ($3,200), the survey found.

The survey found that of Israel’s 14 largest cities, the highest household income was in Rehovot, with after-tax income of 19,099 shekels a month, and the lowest was in Bat Yam, with average household income of 11,005 after taxes.

Tel Aviv had the highest net per-capita household income, of 8,053 shekels a month, and also the highest per-capita household expenses, at 6,419 shekels a month. Tel Aviv also had the highest average household expenses, at 14,284 shekels a month. Bat Yam households had the lowest monthly expenditures, at 9,632 shekels a month.

The largest gap between net household income and net household expenses was in Rehovot, where households saved an average of 5,974 shekels a month, and the lowest was in Ashkelon and Bnei Brak, where monthly savings averaged 250 shekels a month.

The survey covers the 14 biggest cities, including eight with a population of 200,000 residents or more — Jerusalem, Tel Aviv-Jaffa, Haifa, Rishon Letzion, Ashdod, Petah Tikva, Be’er Sheva and Netanya — and another six with populations of 100,000-200,000 residents — Ramat Gan, Holon, Bat Yam, Bnei Brak, Ashkelon and Rehovot.

The survey found that in all cities, the average net income was higher than the average monthly expenditure.

The average Israeli household contains 3.3 members and 1.5 breadwinners. Bnei Brak had the largest households, averaging 4.8, while Tel Aviv had the lowest, at 2.2 The highest number of breadwinners per household was in Rishon Letzion and Rehovot, with an average of 1.7 per household, while the lowest was in Bat Yam, at 1.1.

Rehovot also had the highest pre-tax household income, averaging 24,221 shekels a month, and Bat Yam had the lowest, at 12,587 shekels per household a month. Average gross household income was 13,702 shekels a month in Jerusalem, 22,577 shekels a month in Tel Aviv, 16,063 shekels a month in Haifa, 21,529 shekels a month in Rishon Letzion, and 14,752 shekels a month in Be’er Sheva.

The statistics also showed that in Rehovot, Ashdod, Petah Tikva and Rishon Letzion, monthly salaries accounted for 80% or more of households’ average monthly income. In Bnei Brak, the figure was 61.6%, while stipends and government support accounted for about 25% of income.

In all 14 cities, households’ largest monthly expense was housing. Housing accounted for the largest percentage of household expenditures in Tel Aviv-Jaffa, at 31.3% of all monthly expenses. Households in Be’er Sheva and Ashkelon spent the smallest portion of their total monthly expenditures on housing relative to the other cities, at 21%.

The second largest monthly expense was transportation and communication, which accounted for 22% of monthly expenses in Haifa and Ashkelon. Ashdod residents spent the most in relative terms on food, at 18.8% of all expenses; health care, 7% of all expenses, and clothes, at 4%.

In all the cities surveyed, the average number of people per room was less than 1, except for Bnei Brak and Jerusalem, where people live with an average of 1.2 people per room.

In Israel as a whole, 67.6% of people live in a home they own, while 26.7% rent. The highest rate of home ownership was found in Rishon Letzion, Rehovot, Bnei Brak and Ashdod, with more than 70% living in their own homes. Some 40% of homeowners are still paying a mortgage, for which they pay an average of 3,260 shekels a month.

The highest number of homeowners paying a mortgage is in Ashkelon, at 62.7%.

Tel Aviv has the highest percentage of residents living in rented apartments — 46.8%.

Likewise, Tel Aviv homeowners have the most expensive homes, averaging 2,949,000 shekels, while Be’er Sheva homeowners own the least expensive homes, averaging 1,052,000 shekels. Homeowners in Tel Aviv have an average of 3.6 rooms in their homes, while those in Be’er Sheva had an average of 4.

Renters in Tel Aviv pay an average of 4,563 shekels a month, and have an average of 2.7 rooms, while those in Be’er Sheva pay an average of 1,712 shekels a month and have an average of 3.1 rooms.

The survey also found that the households with the highest rate of deep freezer ownership are in Bnei Brak, where 40.2%, of all households have a deep freezer, while only 7.8% Tel Aviv households do. The highest rate of dishwasher ownership is in Rishon Letzion, at 60.4%, versus 7.8% in Bnei Brak. Rehovot households have the highest rate of water purification systems, at 53.1%, versus 18.8% in Jerusalem.

Rishon Letzion has the highest rate of television ownership and multi-channel television services, at 98.4% and 83% respectively.

Rehovot had the highest percentage of households with computers and internet service, at 90.2% and 86%, respectively.

Thanks in Advance,
Sincerely
Ajay

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before I sit down with the VP tomorrow

Thanks in Advance,
Sincerely
Ajay

From: Biden HQ — Greg <info>
Date: Mon, Oct 7, 2019 at 5:47 AM
Subject: before I sit down with the VP tomorrow
To: ajay mishra <ajayinsead03>

This is urgent.

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