I would like to thank Moshe Silas for his helpful tip – buying "Tav Hazahav" through Asat. It has a huge verity of shops to get discounts in.

Roee and Moshe tips

Hi all,
we had our calculations for our monthly expanses
we found out that our monthly expanse is 6200 NIS

and we have a few saving tips on Fuel,Insurance and phone expanses.

read more in our excel file
https://docs.google.com/file/d/0B7qaXh2fDznKemlSb0xaWmFmY3M/edit

thanks,
moshe & roee

Companies that we hate

We already discussed about companies that we as customers hate them,one of those companies are the banks that chrages us for every detail and some times with extra extra extra fees.
here is an article about non profits banks, we all hope that it will be fullfilled.

http://www.calcalist.co.il/money/articles/0,7340,L-3591658,00.html

Expense management- Noga Shany & Moran Olshtein

Based on Noga’s expenses

Expense	Monthly cost	After reduction
Rent	1500	1500
Tuition	800	800
Groceries	700	600
Gas + Electricity	150	150
Dinning out	350	200
Fuel	600	400
Clothes	300	200

Tips:

1. We noticed we spend a lot on dinners outside and coffee- we recommend to prepare home-cooked meals to last several days. It is more nutritious, delicious and economical.

2. Save money on fuel with Car pools- lots of students live next to each other and work in the same company.

3.  Wait for end of season discounts- many clothes are extremely pricy. If we don’t need to have this right now we recommend for the sales at the end of the season when the prices drop

4. Shop for groceries at the cheapest shop near your home and find the sales for the things you love.

Group number #3

Here is our fixed Business Canvas model:

Problem and importance Understanding a paycheck is a complex mission. People’s ignorance might cause lack of awareness about employee's financial rights and sometimes a serious financial loss. MVP Solution A user- friendly web site that includes basic and important information regarding the Israeli paycheck. In addition more financial useful information: recent news, tips of wise investments, tax calculation and so forth.	Unique Value Proposition The information is gathered in one platform and provides all the tools needed. 2 options for user communication:  1. "Contact us" section- allows one to address his team members and ask questions or suggest improvements.  2.  Blog- will be based on the principle of community in which customers helping others help themselves and others.	Customer Segments Employees from a verity of areas in the Israeli market, mostly working students or employees in their first jobs. The site is given as a free service and it’s a non- profit site. The goal is to encourage people help each other and share information.
Resources -People with forward thinking and desire to think out of the box, with interest in finance and a willing to help and share the info. -Real paycheck samples.	Delivery Process  We are going to make sure that users can access the site through the main searching engines such as Google. In addition to share the site in several social networks in order to reach as many people as possible.	Key Partners Community members will share the link to our site in their social network pages.
Costs We expect costs in two levels: 1. Site maintenance- we’ll hire a student (40 NIS per hour). 2.  Answering user’s questions- our team members will answer the basic ones and if necessary we’ll address a professional (200 NIS per hour).	Revenue We will offer advertising slots; the ads will focus on related subject, for example pension, investment atc.	Triple Bottom line Success measurement in 2 fields: 1. Quantitative measurement- measure the amount of web entries (initial target: an increase trend).  2. A quality index- a short satisfaction survey among site users in order to realize if the site answered their needs.

Apology

Hello class

I would like to apologize for missing the class today

I'm not feeling good... 

have a great day!

I would like to thank Eyal Werner for his tip about hola.org, i already started using it.Thanks.

appreciation note

I would like to thank Chen BenShimon & Yael Bessen for their useful tips

I really liked the skype tips and also the fuel-tank application. I think this could help us all save money in a very effective way

TBL Analyst Report

Makeup Team - Write a two-page analyst report on a publicly traded company and make a recommendation to caring stock investors based on the "Triple Bottom Line."  The recommendation, Buy, Hold, or Sell should be backed up by analysis, including assessment of the quality and effectiveness of the organization, its vision and mission, management, business model, , Social Responsibility, Environment, and stock valuation - what is the highest price you would pay for the stock at the time of your presentation to make it an attractive investment opportunity? Explain why.  

Class Members - Write a comment with a question related to the case in which you express your opinion about the stock recommendations based on the evidence presented..

Appreciation Note

Hello Community,

I would like to thank Eyal Werner for the good tips and the work he put into his post,
I have already  implemented some of them in my everyday life

Thank you

Eitan, i would like to thank you for your tip regarding "copat gemel" management fees  reduction.

Thank you

Hello

I would like to thank:

Eyal Werner - for useful links he provided, I already gave it a try

Hadar Linor - for useful tip she told us in class which is dividing money to the envelops, each envelop for different purpose so we can keep within a budget.

Thank you guys!

Thanks for the tips

Hi all,

I would like to appreciate Moshe silas for he's tips in this assignment.

The tip of "Tav hazahav" is great tip that saves me a lot of money for my groceries and some other expenses.

I want to thank Eitan for his tip on the  investments companies that runs our pensions and that's our big saving.it's real important to keep our savings in successful companies that will grow out money in a good rate, and won't extra charge us for manaing fees.

 

Thanks,

Moshe

 

Thank you Viktoria

Hi 

in the name of the entire GREEN COMMUNITY group I want to the thank viktoria for taking such interest in our project.

Viktoria sends me emails and chats with me regarding ideas she has for the blog. 

Another very important thing she helped us with, she gave me the number of Eyal Kadosh, a guy that runs many community gardens in the haifa region and is planning to build a co-op in haida, we already talked and we are working on the possibility that we will help him with our blog and maybe he'll take over it after we finish the course

Viktoria we really appreciate your help and enthusiasm!!!! 

TIPS REVISED

Most of the tips i wrote last assignment were short ( on my opinion) but i wrote a lot, so i'm posting link's to 2 tips i use all the time and i think are relevant in these times were we all use cell phone and lap top 

1) hola.org - a program that accelerates your internet connection so you dont have to pay for the most expensive data plan + it allows you to watch tv shows from the U.S on hulu for free and ahead of the shows progress in Israel so now you can save on cable to

2) ONAVO - is an app for your smart phone, it compresses the data you send and receive thus virtually enlarging your data plan so for example if you have a 1 giga byte program and you save 10% with ONAVO you actually have a 1.1 gig plan but you are paying for 1 gig.  

Saving Money 2013

This great article gives practical and useful advice on how to save money. No. 10 is actually one which professor Gerstner spoke about during class time.

To read the full article:

 http://www.usatoday.com/story/money/personalfinance/2012/12/26/saving-money-tips-2013/1791781/

Assignment 8

Tips for saving

1. you can get "tav azahav" ("the golden card") in ASAT store for a 12%-14% discount. The card entitles you to buy in many  big consumer networks like "Shoofersal" "ACE" "FOX" and many others. although "Rami Levi" is the staring supermarket of our course, I buy most of my daily groceries in "Shoofersal Sheli" which is quite expensive, but taking into consideration the time & fuel it saves me for not driving to a remote supermarket, plus the "Card" discount make it a reasonable place to shop.
   
2.  Grow vegetables, fruits and herbs plants, it is fun organic and save you plenty. (you can use the green community site for guides)
   
3. Cook at home.

Revised Assignment Managing Expenses - Idan And Rotem

Hi everyone,

We’re glad to introduce you the main tips that we collected during analyzing Idan’s expenses:

1.       There must be a tuition that can fit your situation: http://www.zooloo.co.il/limudim/milgot.asp

2.     There are hours that its cheaper- use electricity in the low rate hours: http://www.themarker.com/dynamo/1.1630370

By using these tips and some more and also adopting a smart economic behavioral Idan can save by the age of 45 around 220,000 NIS.

If you want to see the full analysis, graphs and more detailed tips you are more than 

welcome to visit here: click here for more reading

Thanks to nitzan and heli

i would like to thank to nitzan and heli for thir usful tips espacyally fo intreduse to me the site "hasuper".

so guyse thank you very much

Special thanks

I would like to say a special thanks to Eyal for all  the great articles he published, his useful tips with all the funny links and also in general  for his great contribution to the class!

You always have interesting ideas and seems like you invest a lot of yourself in the course and also for helping others :)

Hi All! 

I would  like to thank Meital for her GREAT tip to use  the website: http://www.smoneybox.com that helps her  keep track of her expenses. I started to use it and sMoneyBox is really easy to use (as they promise :) ).

Another tip of hers I'm trying to implement is using is paying cash instead of using my credit card, So far it's working great and my expenses have gone down, so THANKS A LOT Meital !

Thanks for your great tips!

Hi guys!
First I want to say thanks to all of you cause I think everyone wrote really great and useful tips!
Few tips that I really liked:
Viktoria-thanks for all your great tips and also thanks for the Supermarket Psychology videos! I was unaware that there is a large and  unique theory about that  so it was very enlightening!
Katya,Margarita and Anna-I really liked your tip about being creative on finding alternatives for your expenses cause it's the kind of tip that makes us think furthermore...
Guy- thank you for the tip about the specialized garage, I didn't know that so it was really helpful :)
Yael & Ortal-I liked your tips on the student life in the technion, very useful and reminds us that there are other things to do except studying :) 

Tzav ∞ - Business Model Canvas

Tzav ∞ - Business Model Canvas

Our Business Canvas model:

Customer Segments -The “Miluim” community in the Technion. - Additional communities from other universities - other communities in the Technion. -our services are free and based on mutual assistance in the community.	Unique Value Proposition Right now the only real existing solution is through ASAT which dose'nt give all the services that our site will offer. We will give  an easy access  to  all the things that in one central place and will create a new bonding between all community members .	Problem and importance Due to “Miluim”, students often miss a lot of classes so they need to complete all the material on time with minimal bureaucracy as possible. MVP Solution  A platform  where Technion’s student will be able to exchange educational material, form study groups, share tips and get the most updated information and benefits they deserve.
Key Partners -ASAT - publish the website in the student calendar and in additional suitable webs.	Delivery Process - Internet:publish the site  in social network websites. -spreading the word about the website. - publish the site through ASAT.	Resources People and skill – web developers, students who serve in army reserve duty and their friends. Equipment – web site, Facebook account, computer.
Triple Bottom line We will measure success by the number of students that enrolled to our facebook page. Other criteria will be the activity of the forum.	Revenue Not financial at the moment In the future -  from commercials ,depends on the success of the site.	Costs Time dedicated in creating, maintaining and updating the web site.