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« on: September 24, 2012, 06:23:17 pm »
So as I've mentioned here and there, I'm moving to Israel (where I grew up) for about half a year sometime soon. I figured since there's a few wise and experienced people here, I might get some useful input on a dilemma I have.
The background situation is this:
-I've basically just finished my undergraduate studies here in Germany (getting my degree some time soon)
-I've been DOING SCIENCE for a few months no, writing an article I was supposed to finish months ago, and which I was paid for through July – but the end of the work (which I really want to finish and see published) is finally very close
-It's getting cold here, and I don't want to be here in the cold months
-I'm fairly confident I can get paid working for some NGO or something like that, and if that fails I can almost certainly find lucrative work in high-tech or translation
-Once she finishes her MA thesis, my girlfriend will be joining me in Israel for some of December and most of January,
-Me and the g/f have the apartment we share here until the end of November, and I've agreed to pay my half of the rent (200€/month) until the end, no matter when I actually leave
-I'm basically broke, even though I have some savings here (which I get some government bonus on if I don't break them open until 2014) – but I can borrow money at around 10% p.a. as authorized overdraft, which I expect I can pay off pretty soon (if I can't make enough to do so in Israel, I'll move back here anyway)
-Getting unemployment benefits here is basically a non-option at this point because I'll be gone before they kick in
Right now, I'm finally getting anxious to leave, and starting to look forward to it. But it turns out that as of October 1, when I am no longer a student, I have to sign up for the same socialized healthcare I get now, except it's called "voluntary health insurance" (hint: it's not), costs more, and I have to keep it until the end of 2012 even if I leave the continent – unless I quickly get a job that comes with normal socialized healthcare ("legislated health insurance") – which is any job paying 401€/month or more. I basically have three options now:
1: GET NO JOB, BUT GET "VOLUNTARY" INSURANCE
I can sign up for the "voluntary" insurance starting October 1, which will cost me about 150€/month for as long as I'm here, and which I can't cancel before the end of 2012. The insurance company will only charge me 50€/month for the period of time when I'm out of the country.
Upsides:
Can focus on finishing my research, selling all my shit, packing, and spending time with my friends;
Can most probably be outta here before the end of October;
I'm covered in case something happens.
Downsides:
A few more weeks without an income;
Paying for German insurance while on another continent.
2: GET NO JOB AND NO INSURANCE
I can just let my normal insurance run out and not sign up for "voluntary" insurance. When I move back here, I'll have to pay for the time I was here uninsured, retroactively, but nonetheless, if I need to see a doctor while uninsured, I'll have to pay out of my nose.
Upsides:
Can focus on finishing my research, selling all my shit, packing, and spending time with my friends;
Can most probably be outta here before the end of October;
Don't have to pay for German health insurance while on another continent.
Downside:
A few more weeks without an income.
Could be really shitty and extremely expensive if I need to see a doctor.
3: GET A JOB
In this scenario, I get some mind-numbing work, starting later this week, which lets me keep normal insurance. The insurance runs out the day I leave the job, and if I de-register with the city on the same day then that's that.
Upsides:
Income! Yay!
Don't have to pay for insurance I'm not using;
Get to work in actual blue-collar work, which I've never done and am curious about.
Downsides:
Might still be here come November, since I'll have less time and energy for all the selling and packing and stuff;
Won't get to spend as much time with my friends before leaving;
Higher likelihood of getting stressed out, which tends to trigger my (mild) depression, especially when it's cold and cloudy.
I tend to think I should either get a job, or get "voluntary" insurance – being uninsured is a scary prospect, and I'm pretty confident I can pay away the overdraft even if I don't get a job.
tl;dr / what it comes down to:
Should I do the financially wise thing, get a job, pay less for healthcare, but end up spending more time here while wanting to leave, enjoying that time less or possibly being outright miserable;
OR should I take a risk, pay a bit more for healthcare while continuing to have no income, but spend a few sweet weeks of research, packing, and friends, then work off my modest debt (which will be in the vicinity of 500-1000€) in Israel surrounded by family and friends (and military, threats of war, the occupation, and lynchings)?
COUNSEL ME, O WISEPOPES OF DISCORDIA!