Bond Yields – What Are They and Why Do They Matter?
What a bond is, why yields rise when prices fall, and how US bond yields affect stocks, mortgages and the dollar.
This site was translated from Hebrew into English by AI, so it may contain inaccuracies. In case of any ambiguity or contradiction between language versions, the Hebrew version prevails. Read this page in Hebrew
Gad Harlev – connecting people and money
Articles, guides and tools on mortgages, the stock market, real estate and family finance – so you can make informed financial decisions.
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Buying Securities by Standing Order
How to set up an automatic monthly investment in a self-directed trading account, save on management fees and invest for the long term.
The Dollar, the Shekel and Everything in Between
Why the dollar is falling against the shekel, how it affects the capital market and exports, and what you can do to hedge risks.
How Do You Save on Bank Fees?
Producing the annual bank statement of fees, checking current-account and credit card fees, and saving tips.
The first step to a better future
Four essential guides – the basis for every financial decision
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How much mortgage to take? That is the question...
Financial considerations, calculations, cash flow and investments – how to set the right amount.
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To pay off (the mortgage) or not to pay off? That is the question
When is it worth paying off a mortgage and when is it better to keep it – abundance vs. survival.
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A Practical Guide to Buying a Money Market Fund
What a money market fund is and how to buy one, step by step.
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Buying Securities by Standing Order
How to set up an automatic monthly investment in a self-directed trading account, save on management fees and invest for the long term.
All articles – newest first
Showing 24 articles
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Bond Yields – What Are They and Why Do They Matter?
What a bond is, why yields rise when prices fall, and how US bond yields affect stocks, mortgages and the dollar.
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Buying Securities by Standing Order
How to set up an automatic monthly investment in a self-directed trading account, save on management fees and invest for the long term.
-
The Dollar, the Shekel and Everything in Between
Why the dollar is falling against the shekel, how it affects the capital market and exports, and what you can do to hedge risks.
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How Do You Save on Bank Fees?
Producing the annual bank statement of fees, checking current-account and credit card fees, and saving tips.
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ETFs on world indexes
A comparison table of ETFs on the world's leading indexes.
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The impact of artificial intelligence on the software world
2 trillion dollars wiped off software companies' value. Is AI replacing SaaS?
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How to Finance an Apartment Upgrade
Financing, timing, a mortgage for the upgrade, selling the current apartment and buying a new one.
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A Few Words About Loan Consolidation
How it works, when it's suitable, what banks look for and which documents are needed.
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Credit Data Report Guide
What the report contains, how it affects your mortgage and how to fix credit problems.
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List of money market funds 2026
Compare management fees and security numbers – find the right money market fund.
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Mortgage Checklist
All the documents and forms needed to take out a mortgage or refinance.
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The Complete Mortgage Guide
Stages, tracks and interest rates, a smart mix, approval in principle, appraisal and collateral.
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A Smart Mortgage: How Not to Fall into the Bank's Traps
Choosing tracks, interest rates and terms – a mix that saves money and suits you.
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Why Can a Low Payment Be Our Biggest Enemy?
The risks and hidden costs of a low monthly mortgage payment.
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How much mortgage to take? That is the question...
Financial considerations, calculations, cash flow and investments – how to set the right amount.
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To pay off (the mortgage) or not to pay off? That is the question
When is it worth paying off a mortgage and when is it better to keep it – abundance vs. survival.
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Early appraisal - when is it worth getting one?
What an appraisal is, why it matters and how to prepare before buying an apartment.
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What Is the Difference Between a Money Market Fund and an Investment Provident Fund?
Pros, cons, taxation and liquidity – a comprehensive comparison.
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A Practical Guide to Buying a Money Market Fund
What a money market fund is and how to buy one, step by step.
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Year-End Financial Checklist
Reviewing portfolios, insurance, mortgage, taxes and planning the next year.
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How the Bank Sets the Mortgage Interest Rate
Funding costs, spreads and profitability – what affects the interest rate you'll get.
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How, in practice, to invest
Opening an account, asset types and making your first trade.
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A Guide to Downloading an Annual Account Statement
Step by step – for analyzing expenses and managing an annual budget.
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A guide to getting a mortgage payoff statement
How to get a payoff statement from every bank – to check whether refinancing pays off.
Areas of expertise
Podcast
Gad Harlev – People and Money: episodes on money, investing and mortgages (in Hebrew)Mortgages
11 articles · Tracks, mixes, refinancing and practical guidesStock Market
9 articles · Investing, funds, ETFs and market analysisFamily Economics
3 articles · Budgeting, bank fees and family savingsLoan Consolidation
1 articles · Consolidating loans and saving on interestReal Estate
Real estate investing, tenants and ownersCalculators
Interactive tools for financial calculations
Nice to meet you, I'm Gad Harlev
I have been working in financial advising for many years. On this site you will find reliable, up-to-date information to help you understand your options and build a more secure financial future.