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	<title>minusPLUS &#187; Saving Money</title>
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	<description>Personal Financial Coaching</description>
	<lastBuildDate>Tue, 10 Aug 2010 09:21:54 +0000</lastBuildDate>
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		<itunes:summary>Personal Financial Coaching</itunes:summary>
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		<title>The technician&#8217;s law</title>
		<link>http://www.minusplus.org/2010/03/12/the-technicians-law/</link>
		<comments>http://www.minusplus.org/2010/03/12/the-technicians-law/#comments</comments>
		<pubDate>Fri, 12 Mar 2010 09:42:55 +0000</pubDate>
		<dc:creator>Jody Blum</dc:creator>
				<category><![CDATA[In the News]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Consumer]]></category>
		<category><![CDATA[news]]></category>

		<guid isPermaLink="false">http://www.minusplus.org/?p=163</guid>
		<description><![CDATA[How often has this happened to you? You set a time with a technician to come over to fix an appliance – a dishwasher, fridge – or something else ailing the house (electricity, cable, Internet). The repair person gives you a slot from 1-3 and you arrange your schedule to stay home from work. 3:00 [...]]]></description>
			<content:encoded><![CDATA[<p>How often has this happened to you? You set a time with a technician to come over to fix an appliance – a dishwasher, fridge – or something else ailing the house (electricity, cable, Internet). The repair person gives you a slot from 1-3 and you arrange your schedule to stay home from work.</p>
<p>3:00 PM comes, no technician. 4:00 PM, then 5:00 PM. You’ve just wasted half a day before your fix-it guy comes waddling in at quarter to 6.</p>
<div id="attachment_165" class="wp-caption alignleft" style="width: 164px"><img class="size-full wp-image-165 " title="Tzvi Szajnbrum" src="http://www.minusplus.org/wp-content/uploads/2010/03/Tzvi-S.png" alt="Tzvi Szajnbrum" width="154" height="142" /><p class="wp-caption-text">Tzvi Szajnbrum</p></div>
<p>Tzvi Szajnbrum, a lawyer who runs the helpful <a href="http://voleh.org/Index-en.asp" target="_blank">Voleh</a> (that&#8217;s &#8220;virtual oleh&#8221;) website aimed at helping new immigrants to Israel, summarized the new law and has given me permission to reprint his comments here on my blog.</p>
<p>He points out that we’re only talking about service in your home or workplace, not service you receive at a store. And the law is primarily during the warranty period.</p>
<p>Here are the main provisions according to Tzvi:</p>
<ol>
<li>The provider must stipulate a day and an hour the service will be given.</li>
<li>The waiting time for a technician cannot be longer than two hours more than the given time. The grace period is two hours only.</li>
<li>The provider is entitled to offer the consumer to wait for a phone call in place of giving a specific time, on condition that the waiting time of the consumer in his home will not be longer than 2 hours. The provider must also clarify to the consumer that this method is only a suggestion, and the consumer is not obligated to accept this.</li>
<li>The provider is entitled to notify the consumer until 8:00 PM the day before the specified day of arrival of any change of time of services or a cancellation.</li>
<li>The above-mentioned rule was not made to infringe on the rights of the consumer. Any existing rule concerning the rights of the consumer before this new law came into effect will not be affected. As an example: the law stipulates that from the moment the consumer asks for a technician to repair a washing machine, the provider has 3 working days to provide this service. For a freezer or a refrigerator, it is one day. So let’s say on Sunday the consumer asks for service to repair a washing machine. The date is settled for Wednesday morning. In this case, the provider cannot call on Tuesday until 8 pm to cancel the visit for Wednesday, because this will clash with the consumer’s rights to receive this service within 3 days.</li>
</ol>
<p>In breaching the above rules, the consequences for the providers are:</p>
<ol>
<li>The consumer is entitled to compensation without having to prove any damages. To clarify this point, let’s say the consumer has two refrigerators. One breaks down and the consumer calls for a technician, who does not appear within the specified time. Even though there were no damages to the consumer, because he could easily use the second refrigerator, he is still entitled to the compensation stipulated by law.The consumer will be entitled to more compensation if he had actual unlimited damages of any kind. In this case, the consumer is obligated to give proof of the damages. As an example, the consumer did not have a refrigerator in working condition and the technician did not arrive in the stipulated time, and as a result there was an actual loss (the food spoiled, etc.). In this case, the consumer can sue the provider by the Law of Damages for unlimited damages, if he can prove it.</li>
<li>A delay of more than 2 hours of the stipulated time of arrival (4 waiting hours in total), entitles the consumer to compensation of 300 shekels.</li>
<li>A delay of more than 3 hours of the stipulated time of arrival (5 waiting hours in total), entitles the consumer to compensation of 600 shekels.</li>
<li>If the time specified was according to what was said in clause 3 above (waiting for a phone call) and there was a delay for more than 2 hours, or the provider did not explain to the consumer that he has the right to refuse this proposition, this entitles the consumer to 300 shekels compensation.</li>
<li>The provider is entitled to offer monetary compensation, products or any kind of coupon, etc., for the same amount, but only with the agreement of the consumer. The burden of proof that the consumer agreed to anything other than monetary compensation is on the provider.</li>
<li>In the case that the provider could not anticipate any delay in providing the service, or could not know in advance (for example, if the technician had a bad car accident on the way to the consumer’s home or extreme and severe weather conditions that prevented the technician from arriving) then the provider is exempt from providing compensation.</li>
</ol>
<p>How do you actually receive your compensation?</p>
<p>When claiming compensation (and not the damages stipulated in paragraph 7), contact the provider by phone or fax. Always keep a record of all paperwork, phone calls, etc. If the provider refuses to pay, the consumer can either contact our organization and we will write a letter or you can sue using the Small Claims Court.</p>
<p>You can visit Tzvi’s <a href="http://voleh.org/Index-en.asp" target="_blank">website</a> where there is an enormous amount of valuable tips and tricks from family law to driver’s training. Thanks Tzvi!</p>



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		<title>Electricity Prices go down!</title>
		<link>http://www.minusplus.org/2010/02/02/electricity-prices-go-down/</link>
		<comments>http://www.minusplus.org/2010/02/02/electricity-prices-go-down/#comments</comments>
		<pubDate>Tue, 02 Feb 2010 17:09:27 +0000</pubDate>
		<dc:creator>Jody Blum</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Israel]]></category>

		<guid isPermaLink="false">http://www.minusplus.org/?p=155</guid>
		<description><![CDATA[It&#8217;s time for a celebration when prices go down in Israel! So let&#8217;s party, because the Electric Authority has voted unanimously to lower its rates as of Feb. 15, 2010 to the tune of almost 10% to residential customers. The new 41.32 agorot price per kilowatt hour is a 9.6% reduction from the previous price [...]]]></description>
			<content:encoded><![CDATA[<p><img class="alignleft size-medium wp-image-159" title="Electricity Guys" src="http://www.minusplus.org/wp-content/uploads/2010/02/Electricity-Guys-300x142.jpg" alt="Electricity Guys" width="240" height="114" />It&#8217;s time for a celebration when prices go down in Israel! So let&#8217;s party, because the Electric Authority has voted unanimously to lower its rates as of Feb. 15, 2010 to the tune of almost 10% to residential customers.</p>
<p>The new 41.32 agorot price per kilowatt hour is a 9.6% reduction from the previous price of 43.59 agorot. Commercial and public institutions will see an even higher drop of 16.3%.</p>
<p>The change was meant to happen back in April, 2009 but was postponed. There was a fight this time too, but the Manufacturers Association, the Federation of Israeli Chambers of Commerce and the Israel Consumer Council pushed for the cut. It&#8217;s intended to reflect the real cost of production (which is a requirement).</p>
<p>But just because the rates are dropping, please don&#8217;t run to use more! Using the same amount of electricity could afford you a 9.6% reduction in your bill without lifting a finger, the best possible savings!</p>



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		<title>One week to drop your HOT or YES subscription</title>
		<link>http://www.minusplus.org/2010/01/05/one-week-to-drop-your-hot-or-yes-subscription/</link>
		<comments>http://www.minusplus.org/2010/01/05/one-week-to-drop-your-hot-or-yes-subscription/#comments</comments>
		<pubDate>Tue, 05 Jan 2010 09:47:39 +0000</pubDate>
		<dc:creator>Jody Blum</dc:creator>
				<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[cable]]></category>
		<category><![CDATA[Israel]]></category>

		<guid isPermaLink="false">http://www.minusplus.org/?p=134</guid>
		<description><![CDATA[Flash: if you’ve been thinking about canceling your HOT cable or YES satellite subscription to save money but have been locked into a yearly contract, you have one week in which you can do so without a penalty. The deadline is January 9 for HOT and January 12 for YES. The reason is what’s being [...]]]></description>
			<content:encoded><![CDATA[<p><img class="alignleft size-full wp-image-136" title="YES" src="http://www.minusplus.org/wp-content/uploads/2010/01/YES.png" alt="YES" width="75" height="63" />Flash: if you’ve been thinking about canceling your HOT cable or YES satellite subscription to save money but have been locked into a yearly contract, you have one week in which you can do so without a penalty. The <img class="alignleft size-full wp-image-137" title="HOT small" src="http://www.minusplus.org/wp-content/uploads/2010/01/HOT-small.png" alt="HOT small" width="144" height="53" />deadline is January 9 for HOT and January 12 for YES.</p>
<p>The reason is what’s being called the “Hallmark Clause.” According to the regulations of the Council for Cable TV and Satellite Broadcasting, <a href="http://www.jpost.com/servlet/Satellite?cid=1262339396128&amp;pagename=JPost%2FJPArticle%2FShowFull" target="_blank">reported in today&#8217;s Jerusalem Post</a>, any time a service provider decides to remove a channel from their listings, customers have the right to cancel their subscription, provided they cite the removal of the channel as the reason.</p>
<p>The Hallmark channel was removed last week, triggering the clause, but ironically it wasn’t HOT and YES that wanted to drop Hallmark. Hallmark’s parent – NBC Universal – pulled it off the airwaves due to lack of revenue.</p>
<p>Another reason you might want to consider dropping your tie to cable or satellite: there is proposed legislation that will allow the two to broadcast commercials. If advertising on Channels 2 and 10 is any indication, that means a <strong>lot</strong> of long and intrusive breaks in the middle of movies and TV shows. Yech.</p>



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