{"id":114,"date":"2026-09-16T19:49:07","date_gmt":"2026-09-16T19:49:07","guid":{"rendered":"https:\/\/www.moneyhouse.co.il\/?p=114"},"modified":"2026-09-16T19:50:43","modified_gmt":"2026-09-16T19:50:43","slug":"%d7%a7%d7%a0%d7%99%d7%aa%d7%9d-%d7%93%d7%99%d7%a8%d7%94-%d7%a2%d7%9c-%d7%94%d7%a0%d7%99%d7%99%d7%a8-%d7%9e%d7%96%d7%9c-%d7%98%d7%95%d7%91-%d7%9e%d7%97%d7%99%d7%a8-%d7%94%d7%97%d7%95%d7%96%d7%94","status":"publish","type":"post","link":"https:\/\/www.moneyhouse.co.il\/?p=114","title":{"rendered":"\u05e7\u05e0\u05d9\u05ea\u05dd \u05d3\u05d9\u05e8\u05d4 &quot;\u05e2\u05dc \u05d4\u05e0\u05d9\u05d9\u05e8&quot; ? \u05de\u05d6\u05dc \u05d8\u05d5\u05d1, \u05de\u05d7\u05d9\u05e8 \u05d4\u05d7\u05d5\u05d6\u05d4 \u05e9\u05dc\u05db\u05dd \u05d4\u05d5\u05d0 \u05e2\u05d3\u05d9\u05d9\u05df \u05e8\u05e7 \u05d4\u05de\u05dc\u05e6\u05d4"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u05db\u05df, \u05e9\u05de\u05e2\u05ea\u05dd \u05e0\u05db\u05d5\u05df. \u05d7\u05ea\u05de\u05ea\u05dd \u05de\u05d5\u05dc \u05d4\u05e7\u05d1\u05dc\u05df \u05e2\u05dc 2.5 \u05de\u05d9\u05dc\u05d9\u05d5\u05df \u05e9&quot;\u05d7 ? \u05d0\u05dc \u05ea\u05d5\u05e4\u05ea\u05e2\u05d5 \u05d0\u05dd \u05d1\u05d9\u05d5\u05dd \u05e7\u05d1\u05dc\u05ea \u05d4\u05de\u05e4\u05ea\u05d7 \u05d4\u05e0\u05ea\u05d5\u05df \u05d4\u05d6\u05d4 \u05d9\u05e7\u05e4\u05d5\u05e5 \u05d1\u05e2\u05e9\u05e8\u05d5\u05ea \u05d0\u05dc\u05e4\u05d9 \u05e9\u05e7\u05dc\u05d9\u05dd \u05d5\u05d9\u05d5\u05ea\u05e8.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u05dc\u05de\u05d4 ? \u05ea\u05db\u05d9\u05e8\u05d5 \u05d0\u05ea &quot;\u05e8\u05d5\u05e6\u05d7 \u05d4\u05ea\u05e7\u05e6\u05d9\u05d1\u05d9\u05dd \u05d4\u05e9\u05e7\u05d8&quot; \u05e9\u05dc \u05e2\u05d5\u05dc\u05dd \u05d4\u05e0\u05d3\u05dc&quot;\u05df : <strong>\u05de\u05d3\u05d3 \u05ea\u05e9\u05d5\u05de\u05d5\u05ea \u05d4\u05d1\u05e0\u05d9\u05d9\u05d4.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u05e8\u05d2\u05e2, \u05d0\u05d1\u05dc \u05dc\u05d0 \u05ea\u05d9\u05e7\u05e0\u05d5 \u05d0\u05ea \u05d4\u05d7\u05d5\u05e7 \u05d1-2022 ?<\/strong> \u05e0\u05db\u05d5\u05df \u05de\u05d0\u05d5\u05d3! \u05d1\u05d9\u05d5\u05dc\u05d9 2022 \u05e0\u05db\u05e0\u05e1 \u05dc\u05ea\u05d5\u05e7\u05e3 \u05ea\u05d9\u05e7\u05d5\u05df \u05e1\u05d5\u05e4\u05e8 \u05d3\u05e8\u05de\u05d8\u05d9 \u05dc\u05d7\u05d5\u05e7 \u05d4\u05de\u05db\u05e8. \u05e2\u05d3 \u05d0\u05d6, \u05e7\u05d1\u05dc\u05e0\u05d9\u05dd \u05d9\u05db\u05dc\u05d5 \u05dc\u05d4\u05e6\u05de\u05d9\u05d3 \u05d0\u05ea <strong>\u05db\u05dc<\/strong> \u05d9\u05ea\u05e8\u05ea \u05d4\u05ea\u05e9\u05dc\u05d5\u05de\u05d9\u05dd \u05e9\u05dc\u05db\u05dd \u05dc\u05de\u05d3\u05d3 (\u05e9\u05d6\u05d4 \u05e4\u05e9\u05d5\u05d8 \u05e9\u05e2\u05e8\u05d5\u05e8\u05d9\u05d9\u05d4).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u05d4\u05d9\u05d5\u05dd \u05d4\u05d7\u05d5\u05e7 \u05d4\u05d7\u05d3\u05e9 \u05de\u05d2\u05df \u05e2\u05dc\u05d9\u05db\u05dd \u05d4\u05e8\u05d1\u05d4 \u05d9\u05d5\u05ea\u05e8 : <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">1\ufe0f\u20e3 <strong>\u05d4\u05d2\u05d1\u05dc\u05ea \u05d4\u05d4\u05e6\u05de\u05d3\u05d4 :<\/strong> \u05de\u05d5\u05ea\u05e8 \u05dc\u05e7\u05d1\u05dc\u05df \u05dc\u05d4\u05e6\u05de\u05d9\u05d3 \u05e8\u05e7 <strong>40%<\/strong> \u05de\u05de\u05d7\u05d9\u05e8 \u05d4\u05d3\u05d9\u05e8\u05d4 (\u05e8\u05db\u05d9\u05d1 \u05d4\u05d1\u05e0\u05d9\u05d9\u05d4 \u05d1\u05dc\u05d1\u05d3). 60% \u05d4\u05e0\u05d5\u05ea\u05e8\u05d9\u05dd (\u05e8\u05db\u05d9\u05d1 \u05d4\u05e7\u05e8\u05e7\u05e2) \u05de\u05d5\u05d2\u05e0\u05d9\u05dd \u05de\u05e4\u05e0\u05d9 \u05e2\u05dc\u05d9\u05d5\u05ea \u05d4\u05de\u05d3\u05d3. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2\ufe0f\u20e3 <strong>\u05d0\u05d9\u05df \u05d4\u05e6\u05de\u05d3\u05d4 \u05d0\u05d7\u05e8\u05d9 \u05d4\u05d6\u05de\u05df :<\/strong> \u05d1\u05e8\u05d2\u05e2 \u05e9\u05d4\u05d2\u05d9\u05e2 \u05de\u05d5\u05e2\u05d3 \u05d4\u05de\u05e1\u05d9\u05e8\u05d4 \u05e9\u05e0\u05e7\u05d1\u05e2 \u05d1\u05d7\u05d5\u05d6\u05d4 \u2013 \u05d4\u05d4\u05e6\u05de\u05d3\u05d4 \u05e0\u05e2\u05e6\u05e8\u05ea, \u05d2\u05dd \u05d0\u05dd \u05d4\u05e7\u05d1\u05dc\u05df \u05de\u05d0\u05d7\u05e8 \u05d1\u05de\u05e1\u05d9\u05e8\u05d4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u05d0\u05d6 \u05dc\u05de\u05d4 \u05d6\u05d5 \u05e2\u05d3\u05d9\u05d9\u05df \u05e4\u05e6\u05e6\u05d4 \u05de\u05ea\u05e7\u05ea\u05e7\u05ea \u05d1\u05db\u05d9\u05e1 \u05e9\u05dc\u05db\u05dd ?<\/strong> \u05d1\u05d5\u05d0\u05d5 \u05e0\u05e2\u05e9\u05d4 \u05d7\u05e9\u05d1\u05d5\u05df \u05e4\u05e9\u05d5\u05d8. \u05e7\u05e0\u05d9\u05ea\u05dd \u05d3\u05d9\u05e8\u05d4 \u05d1-2.5 \u05de\u05d9\u05dc\u05d9\u05d5\u05df \u05e9&quot;\u05d7 \u05d1\u05d1\u05e0\u05d9\u05d9\u05d4 \u05e9\u05dc\u05d5\u05e7\u05d7\u05ea 3 \u05e9\u05e0\u05d9\u05dd. \u05d4\u05e7\u05d1\u05dc\u05df \u05e8\u05e9\u05d0\u05d9 \u05dc\u05d4\u05e6\u05de\u05d9\u05d3 \u05de\u05d9\u05dc\u05d9\u05d5\u05df \u05e9\u05e7\u05dc\u05d9\u05dd \u05e9\u05dc\u05de\u05d9\u05dd (40% \u05de\u05d4\u05e2\u05e1\u05e7\u05d4) \u05dc\u05de\u05d3\u05d3 \u05ea\u05e9\u05d5\u05de\u05d5\u05ea \u05d4\u05d1\u05e0\u05d9\u05d9\u05d4. \u05d0\u05dd \u05d4\u05de\u05d3\u05d3 \u05d9\u05e2\u05dc\u05d4 \u05d1\u05e7\u05e6\u05d1 \u05de\u05de\u05d5\u05e6\u05e2 \u05e9\u05dc 3.5% \u05d1\u05e9\u05e0\u05d4 (\u05ea\u05e8\u05d7\u05d9\u05e9 \u05e8\u05d9\u05d0\u05dc\u05d9 \u05dc\u05d7\u05dc\u05d5\u05d8\u05d9\u05df \u05d1\u05e9\u05e0\u05d9\u05dd \u05d4\u05d0\u05d7\u05e8\u05d5\u05e0\u05d5\u05ea), \u05de\u05d3\u05d5\u05d1\u05e8 \u05e2\u05dc \u05e2\u05dc\u05d9\u05d9\u05d4 \u05e9\u05dc \u05dc\u05de\u05e2\u05dc\u05d4 \u05de-10% (\u05d1\u05e8\u05d9\u05d1\u05d9\u05ea \u05d3\u05e8\u05d9\u05d1\u05d9\u05ea \u05db- 11%) \u05dc\u05d0\u05d5\u05e8\u05da \u05ea\u05e7\u05d5\u05e4\u05ea \u05d4\u05d1\u05e0\u05d9\u05d9\u05d4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u05d1\u05d7\u05d9\u05e9\u05d5\u05d1 \u05e4\u05e9\u05d5\u05d8 ? <strong>\u05d0\u05ea\u05dd \u05d4\u05d5\u05dc\u05db\u05d9\u05dd \u05dc\u05e9\u05dc\u05dd \u05dc\u05e7\u05d1\u05dc\u05df \u05e2\u05d5\u05d3 \u05db-110,000 \u05e9&quot;\u05d7 \u05e9\u05dc\u05d0 \u05ea\u05db\u05e0\u05e0\u05ea\u05dd!<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u05d4\u05d7\u05dc\u05e7 \u05d4\u05db\u05d9 \u05d2\u05e8\u05d5\u05e2 ? <strong>\u05d4\u05de\u05e9\u05db\u05e0\u05ea\u05d0 \u05e9\u05dc\u05db\u05dd \u05dc\u05d0 \u05d2\u05d3\u05dc\u05d4 \u05d0\u05d5\u05d8\u05d5\u05de\u05d8\u05d9\u05ea \u05d9\u05d7\u05d3 \u05e2\u05dd \u05d4\u05de\u05d3\u05d3.<\/strong> \u05d0\u05dd \u05d4\u05d1\u05e0\u05e7 \u05d0\u05d9\u05e9\u05e8 \u05dc\u05db\u05dd \u05de\u05e9\u05db\u05e0\u05ea\u05d0 \u05de\u05d3\u05d5\u05d9\u05e7\u05ea \u05dc\u05e4\u05d9 \u05de\u05d7\u05d9\u05e8 \u05d4\u05d7\u05d5\u05d6\u05d4 \u05d4\u05de\u05e7\u05d5\u05e8\u05d9, \u05d0\u05ea \u05d4-110 \u05d0\u05dc\u05e3 \u05e9&quot;\u05d7 \u05d4\u05d0\u05dc\u05d5 \u05ea\u05e6\u05d8\u05e8\u05db\u05d5 \u05dc\u05d4\u05d1\u05d9\u05d0 \u05db\u05e1\u05e3 \u05de\u05d4\u05d1\u05d9\u05ea (\u05d4\u05d5\u05df \u05e2\u05e6\u05de\u05d9). \u05d5\u05d0\u05dd \u05d0\u05d9\u05df \u05dc\u05db\u05dd ? \u05d0\u05ea\u05dd \u05d1\u05d1\u05e2\u05d9\u05d4 \u05e7\u05e9\u05d4 \u05de\u05d5\u05dc \u05d4\u05e7\u05d1\u05dc\u05df \u05d1\u05e8\u05d2\u05e2 \u05d4\u05d0\u05de\u05ea \u05e9\u05dc \u05e7\u05d1\u05dc\u05ea \u05d4\u05de\u05e4\u05ea\u05d7.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u05d0\u05d6 \u05d0\u05d9\u05da \u05d1\u05db\u05dc \u05d6\u05d0\u05ea \u05de\u05e0\u05e6\u05d7\u05d9\u05dd \u05d0\u05ea \u05d4\u05e9\u05d9\u05d8\u05d4 ?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">1\ufe0f\u20e3 <strong>\u05de\u05e9\u05d9\u05db\u05ea \u05db\u05e1\u05e4\u05d9 \u05de\u05e9\u05db\u05e0\u05ea\u05d0 \u05de\u05d5\u05e7\u05d3\u05de\u05ea :<\/strong> \u05dc\u05e4\u05e2\u05de\u05d9\u05dd \u05e9\u05d5\u05d5\u05d4 \u05dc\u05d4\u05e7\u05d3\u05d9\u05dd \u05ea\u05e9\u05dc\u05d5\u05de\u05d9\u05dd \u05dc\u05e7\u05d1\u05dc\u05df \u05d5\u05dc\u05de\u05e9\u05d5\u05da \u05d0\u05ea \u05d4\u05de\u05e9\u05db\u05e0\u05ea\u05d0 \u05de\u05d5\u05e7\u05d3\u05dd \u05de\u05d4\u05e8\u05d2\u05d9\u05dc. \u05db\u05e1\u05e3 \u05e9\u05e9\u05d5\u05dc\u05dd \u2013 \u05de\u05e4\u05e1\u05d9\u05e7 \u05dc\u05e6\u05d1\u05d5\u05e8 \u05d4\u05e6\u05de\u05d3\u05d4! (\u05db\u05de\u05d5\u05d1\u05df \u05e9\u05d6\u05d4 \u05d3\u05d5\u05e8\u05e9 \u05ea\u05db\u05e0\u05d5\u05df \u05e7\u05e4\u05d3\u05e0\u05d9 \u05db\u05d3\u05d9 \u05dc\u05d0 \u05dc\u05e9\u05dc\u05dd \u05de\u05e9\u05db\u05e0\u05ea\u05d0 \u05d5\u05e9\u05db\u05d9\u05e8\u05d5\u05ea \u05d1\u05de\u05e7\u05d1\u05d9\u05dc \u05d1\u05dc\u05d9 \u05d4\u05db\u05e0\u05d4). 2\ufe0f\u20e3 <strong>\u05d2\u05d9\u05d3\u05d5\u05e8 \u05e1\u05d9\u05db\u05d5\u05e0\u05d9\u05dd \u05d1\u05ea\u05de\u05d4\u05d9\u05dc :<\/strong> \u05db\u05e9\u05d1\u05d5\u05e0\u05d9\u05dd \u05d0\u05ea \u05ea\u05de\u05d4\u05d9\u05dc \u05d4\u05de\u05e9\u05db\u05e0\u05ea\u05d0 \u05e9\u05dc\u05db\u05dd, \u05d7\u05d5\u05d1\u05d4 \u05dc\u05e7\u05d7\u05ea \u05d1\u05d7\u05e9\u05d1\u05d5\u05df \u05d0\u05ea \u05ea\u05e8\u05d7\u05d9\u05e9 \u05d4\u05de\u05d3\u05d3, \u05dc\u05d4\u05e9\u05d0\u05d9\u05e8 &quot;\u05e9\u05d5\u05dc\u05d9 \u05d1\u05d9\u05d8\u05d7\u05d5\u05df&quot; \u05d5\u05dc\u05d0 \u05dc\u05e2\u05d1\u05d5\u05d3 \u05e2\u05dc \u05d4\u05e7\u05e9\u05e7\u05e9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u05d4\u05e9\u05d5\u05e8\u05d4 \u05d4\u05ea\u05d7\u05ea\u05d5\u05e0\u05d4 :<\/strong> \u05d4\u05d7\u05d5\u05e7 \u05d4\u05d7\u05d3\u05e9 \u05de-2022 \u05d0\u05de\u05e0\u05dd \u05d4\u05d7\u05dc\u05d9\u05e9 \u05d0\u05ea \u05d4\u05de\u05e4\u05dc\u05e6\u05ea, \u05d0\u05d1\u05dc \u05dc\u05d0 \u05d4\u05e8\u05d2 \u05d0\u05d5\u05ea\u05d4. \u05e0\u05d3\u05dc&quot;\u05df \u05d6\u05d4 \u05de\u05e9\u05d7\u05e7 \u05e9\u05dc \u05de\u05e1\u05e4\u05e8\u05d9\u05dd, \u05d5\u05dc\u05d0 \u05e0\u05db\u05e0\u05e1\u05d9\u05dd \u05d0\u05dc\u05d9\u05d5 \u05d1\u05e2\u05d9\u05e0\u05d9\u05d9\u05dd \u05e2\u05e6\u05d5\u05de\u05d5\u05ea.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u05de\u05ea\u05db\u05e0\u05e0\u05d9\u05dd \u05dc\u05e7\u05e0\u05d5\u05ea \u05d3\u05d9\u05e8\u05d4 \u05de\u05e7\u05d1\u05dc\u05df \u05d0\u05d5 \u05e9\u05db\u05d1\u05e8 \u05d7\u05ea\u05de\u05ea\u05dd \u05d5\u05d0\u05ea\u05dd \u05e8\u05d5\u05e6\u05d9\u05dd \u05dc\u05d1\u05d3\u05d5\u05e7 \u05d0\u05d9\u05da \u05dc\u05d4\u05e6\u05d9\u05dc \u05d0\u05ea \u05d4\u05db\u05e1\u05e3 \u05e9\u05dc\u05db\u05dd ? \u05e9\u05dc\u05d7\u05d5 \u05dc\u05d9 \u05d4\u05d5\u05d3\u05e2\u05d4 \u05d1\u05e4\u05e8\u05d8\u05d9 \u05e2\u05dd \u05d4\u05de\u05d9\u05dc\u05d4 <strong>&quot;\u05de\u05d3\u05d3&quot;<\/strong>, \u05d5\u05e0\u05e2\u05e9\u05d4 \u05e1\u05d3\u05e8 \u05d1\u05de\u05e1\u05e4\u05e8\u05d9\u05dd \u05e9\u05dc\u05db\u05dd \u05dc\u05e4\u05e0\u05d9 \u05e9\u05d9\u05d4\u05d9\u05d4 \u05de\u05d0\u05d5\u05d7\u05e8 \u05de\u05d3\u05d9. \ud83d\udc47<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u05db\u05df, \u05e9\u05de\u05e2\u05ea\u05dd \u05e0\u05db\u05d5\u05df. \u05d7\u05ea\u05de\u05ea\u05dd \u05de\u05d5\u05dc \u05d4\u05e7\u05d1\u05dc\u05df \u05e2\u05dc 2.5 \u05de\u05d9\u05dc\u05d9\u05d5\u05df \u05e9&quot;\u05d7 ? \u05d0\u05dc \u05ea\u05d5\u05e4\u05ea\u05e2\u05d5 \u05d0\u05dd \u05d1\u05d9\u05d5\u05dd \u05e7\u05d1\u05dc\u05ea \u05d4\u05de\u05e4\u05ea\u05d7 \u05d4\u05e0\u05ea\u05d5\u05df \u05d4\u05d6\u05d4 \u05d9\u05e7\u05e4\u05d5\u05e5 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