Badlands National Park: Into The Land Of Sunrise, Sunset, And Stars | Stargazing At Badlands National Park

BY  Sibashree Aug 27, 2025

Have you decided to relocate to Cyprus for career purposes? That would be a wise decision as this island nation follows one of the EU’s most simplified tax regimes for expats. Beyond the economic aspects, you also get to enjoy year-round sunshine and its rich cultural tapestry.  Yet, the core question that you must be clear about before living this coastal life is, at the end of the day, what your real take-home pay will be? Relocation can be costly since it involves several factors, one of which is your net income. This is why it is necessary to validate your take-home pay; rent, healthcare, school fees, and day-to-day expenses can quickly accumulate if your financial estimates are off. Fortunately, Cyprus mandates a transparent and predictable taxation system, which is rather easy to navigate with the help of a Cyprus salary calculator. This guide explains how Cyprus’s 2025 tax rules work, demonstrating salary breakdown interpretation and offering a step-by-step case study example for clarity.  Decoding the Cypriot Tax System: The Core Components As per the Cypriot tax system, your net salary isn’t just your gross salary after deducting “a flat tax.” Instead, it’s the final value of a progressive income tax system, and a few compulsory, specific deductions. When you understand all these core pillars, you can proceed toward accurate financial planning. The Progressive Income Tax Brackets (2025) For the 2025 tax year, typically running on a calendar-year basis, Cyprus applies a progressive structure: Annual income tax (€)Tax rate 0-19,5000%19,501-28,00020%28,001-36,30025%36,301-60,00030%Over 60,00035% Optimizing Around the €19,500 Tax-free Threshold A unique feature of Cyprus’s progressive income tax system is the €19,500 tax-free threshold. This threshold is indeed advantageous for those moderate and higher earners, protecting a significant portion of their income from taxation by lowering their effective tax rate.  That is why it is often suggested to optimize financial planning, such as contributing to approved pensions, life insurance, or charitable donations (within the 1/5 cap), to further reduce taxable income. Structuring income and deductions strategically around this threshold is one of the simplest ways to optimize your relocation budget. Social Insurance Contributions (Sic) Everyone, including you and your employer, is liable to contribute towards the national Social Insurance Fund, which supports pensions, sickness benefits, and unemployment protection.  However, the limit of contribution varies by party: Employee contribution: 8.8% of gross salary Employer contribution: 8.8% of gross salary Annual cap: €66,612 (as per 2025 figure) Now, this annual cap highlights that even if your yearly income crosses €66,612, you aren't liable to pay Social Insurance on the portion above that limit. For high earners, this annual cap significantly lowers the effective contribution rate. The General Healthcare System (Ghs / Gesy) The healthcare sector in Cyprus is funded by the General Healthcare System (GHS), the amount of which is contributed by everyone living and working in the country through the comprehensive GeSY healthcare system. They provide all-inclusive medical coverage to residents, including GP visits, specialists, and hospital services. Employee contribution: 2.65% of gross salary Employer contribution: 2.90% Cap: €180,000 annual earnings Unlike Social Insurance, the GHS cap is high, where most employees have to pay the full 2.65% on their entire income. Employer vs. Employee Contributions If you are an employee negotiating your salary, be clear about your gross salary (the basis for your tax obligations and deductions) and the cost to the company (gross salary plus employer-side contributions). For employees, the compulsory deductions include: 8.8% Social Insurance (capped) 2.65% GHS Income tax per progressive brackets For employers, the mandatory obligations are higher and include: 8.8% Social Insurance 2.90% GHS 2.0% Social Cohesion Fund (no cap) 1.2% Redundancy Fund 0.5% Human Resource Development Fund Up to 8.0% Central Holiday Fund (unless exempt) Now, assuming that you are an employee structuring your budget, prioritize employee deductions. However, do not ignore the employer’s additional costs; understanding them would be beneficial during salary package negotiations, provided that benefits are negotiable. Case Study Example: Net Pay on a €50,000 Gross Salary This hypothetical example of €50,000 annual gross salary would help understand what the final take-home pay looks like in 2025 for an employee with no special expat exemptions or extra allowances. Step 1: Calculate Deductions Social Insurance: 8.8% of €50,000 = €4,400 GHS: 2.65% of €50,000 = €1,325 Step 2: Apply Progressive Income Tax €0-€19,500 @ 0% = €0 €19,501-€28,000 (€8,500 @ 20%) = €1,700 €28,001-€36,300 (€8,300 @ 25%) = €2,075 €36,301-€50,000 (€13,700 @ 30%) = €4,110 Total income tax = €7,885 Step 3: Net Pay €50,000 − €4,400 − €1,325 − €7,885 = €36,390 per year≈ €3,033 per month (assuming 12 equal payments). However, if your employer pays a 13th salary, a common practice in Cyprus companies, your monthly net pay will be even lower but spread across 13 payments. For that, you can use a Cyprus salary calculator to model these variations instantly. How Employer Costs Compare Using the same case study example of €50,000 gross salary, here’s what the employer’s total annual outlay would look like: Social Insurance: €4,400 GHS: €1,450 Social Cohesion Fund: €1,000 Redundancy Fund: €600 HR Development Fund: €250 Holiday Fund (if not exempt): €4,000 Total Cost: With holiday fund exemption → €57,700 Without exemption → €61,700 This difference is the reason to negotiate your salary package as much as possible. Moreover, some employers even offset holiday fund obligations by allowing extra paid leave instead. Final Words Relocating to an entirely new place with a new environment and legal systems is an adventure. But by taking control of your financial details upfront, and using the progressive tax brackets, understanding obligated deductions, and leveraging a precise Cyprus salary calculator, you can overturn uncertainty into confidence.

BY  Barsha Jul 17, 2025

Starting out in travel? Yeah, it’s a bit wild out there. Travel blogs, vloggers, Instagram feeds… feels like everyone’s already doing it, right? So, how do you even begin to stand out? The truth is, your brand matters. A lot. Like, way more than you think. It’s not just a logo or a color scheme—it’s the feeling people get when they land on your page.  The little things they remember when they’re scrolling late at night. But how to build a travel brand? What are the things you should focus on when building the website? And don’t freak out—you don’t need to be some design wizard to make this work. Seriously. You can just hop on and create logos with Adobe Express, mess around with ideas, and boom… you’ve got something that actually looks good. No graphic design degree required. How to Build a Travel Brand: Why Branding Matters in the Travel Industry Let’s not sugarcoat it—travel’s massive right now. Stats say global tourism might hit $9.5 trillion this year. Yeah, trillion with a T. Which sounds great, sure, but it also means… loads of people are doing what you’re trying to do. And people don’t wait around. If someone stumbles across your Instagram or blog, you’ve got, what, maybe three seconds? They’re gonna decide right then if you’re worth their time. That’s where branding jumps in. A strong logo, some color choices that actually feel like you, a tone that doesn’t sound like every other account… it all adds up. It makes you stick. Makes folks trust you. Maybe even follow you. 1. Visual Consistency Builds Recognition You know that moment when you see a post and immediately know who made it—without even looking at the name? That’s branding done right. It’s not magic. It’s just being consistent. Same colors, same kind of vibe, font choices that don’t change every week… it tells people, “Hey, this is me. You know me.” Quick ideas to help that happen: Pick 2 or 3 colors. Use ’em everywhere. Choose one or two fonts. No more. Drop your logo on stuff. Doesn’t have to scream, just be there. Your tone? Stick with it. Are you chill? Fancy? Rough-around-the-edges? Own it. You’re not aiming for perfect—you’re aiming for recognizable. 2. Your Logo: The Stamp on Your Travel Passport How to build a travel brand without a logo? Think of your logo like this: it’s your stamp. Your mark. The thing people see and go, “Oh yeah, that’s them.” Does it have to be mind-blowing? Nope. Just needs to feel like you. Whether you’re into high-end hotels or hiking in sandals, that logo should match your energy. And hey, don’t stress trying to get it perfect. Play around. With create logos with Adobe Express, you can test stuff fast. Try a font, swap an icon, change a color—repeat until it clicks. It’ll come together, trust me. 3. Figure Out Your Brand Voice When you communicate with others, your personality and attitude need to shine through. This should also apply to your business activities. Every message you write, whether it is online or offline, should reflect the mission and characteristics of your travel company.  A clear brand voice needs to be in line with itself in the market and work well with the target audience. However, ensure that this voice is the same everywhere. You can’t be sassy when you are posting something on social media, and then be helpful in your blogs. This will confuse the audience and will not reflect a clear picture of the company. However, you can interchange the tone of voice to reflect your mood. The motive is to have an emotional impact on the audience in the context of the message.  4. Give The Travel Brand A Makeover Think of the tone and mission of the brand and then put together something entirely new that will reflect your idea.  Make a remarkable logo, use a unique font for the content, and make the brand shine and leave an impression when they visit the site for the first time.  Visual elements contribute to your brand recognition. For instance, when people hear Google, their striking colors pop into their minds. So, what are the elements that you need to focus on when you are redesigning the brand? Logo Typography Image Colour palette 5. Build Consistency This is the place where everything comes together. The website is the face of the brand, and not just a digital storefront. Online visitors will look for information on your website about your previous tours and what you are willing to offer them. They will want to see a clear picture of how you conduct business. This is why it is important that you maintain consistency throughout the brand. Everyone should look like a copy of one another. The voice, look, and feel should be the same. Here are some of the things that you need to focus on: Create an amazing about us page and put all the necessary information about your brand there. When you have an idea about your target audience, figure out what they are looking for, and try to answer their queries and use relevant keywords. Make sure you do not divert from your brand voice. The content you write and the posts you make should give a similar feel. This will strengthen the brand. When you have built a brand identity, you need to focus on the booking page as well. People should not have to leave the website when they want to book a trip.  Plan Your Website Like You Plan A Trip Travel’s about movement, right? Moments. Snapshots. But your brand—that’s the thing that sticks. The anchor in the chaos. Now that you have an idea about how to build a travel brand, you can focus on other areas that are important.  If you care even a little about growing an audience, building trust, or just looking like you didn’t slap your feed together last night… take a little time to shape your look. A real logo. A clear voice. It makes a difference. And once it’s done? You’ve got a home base. A vibe. A brand that people remember even after they close the tab. So yeah—go make it happen. Not next week. Now.

BY  sagnika Sep 7, 2023

Summers are warm. However, Scorching heat in certain places has highlighted them as heat wave zones. With heat wave temperatures across many areas worldwide, we are reminded that climate change is a global phenomenon. A significant health risk, heat wave zones make it difficult for people to travel, stay, enjoy or perform professional liabilities. I will identify certain important factors that influence travel plans, health risks and ways in which you can be safe from heat waves. The conditions that are being observed across the world in some beautiful vacation-worthy locations are serious! They can impact your health and lifestyle, so read the article to learn about the dangerous conditions that will likely affect your travel plans. Things To Keep In Mind While Traveling To Heat Wave Zones! Across the world, many places are currently heating up! Several tourist destinations and other places in Asia, Europe and the United States have heat wave temperatures. Officials in countries like France and Italy in Europe have issued health warnings. I am not saying it is highly risky, but the probability of the situation becoming risky is high! If you are visiting one of the heat wave zones, you may not be able to stick to your original plan, be it for vacation or professional liabilities. Let's explore further the precautions you might take to be safe when you visit or have to visit a heat wave zone! What Are Heat Waves? The increasing global temperature worldwide has led to people experiencing some of the hottest days! According to the weather reports, the heat intensifying in several countries worldwide has led to people fainting, sunburns and health concerns such as sunstroke. It is identified as a heat wave, especially when the temperature from June 2023 has been recorded as the warmest in the global records. The increasing heat wave temperature has succinctly impacted water supplies, agriculture, ecosystems, energy, human health and economies. One of the major reasons for heat waves has been greenhouse gas emissions, which need to be cut off as soon as possible. Climate change is a serious threat; we must take it that way to survive and help our future generations. What Are The Regions With Heat Wave Zones? In Europe, the temperature in Rome reached 104°F in July, while in Sardinia, it was 112°F. In at least 23 cities in Italy, there have been red alerts for the weather as the heat wave is potentially becoming a threat in recent times. Tourists have been passing out, creating an awareness towards global climate change and crisis. Now, Death Valley in Nevada, running along a section of the border of Central California, is identified as the "hottest place on earth"! The National Weather Service reported that the temperature reached 128°F in July 2023, a clear cause for concern. People living in Los Angeles heat wave are having serious health issue concerns! According to the weather forecast, the capital of Arizona, Phoenix, has seen a rise in temperature to 114°F while Florida and Texas are equally heating up! La Palma, located in the Canary Islands, has been riddled with wildfires recently, leading to the evacuation of 4,000 people from their homes. The popular tourist destination, the Acropolis in Athens, was shut down at the beginning of July this year during midday! It is peak time for tourist visits, but because the authorities informed us the temperature could rise to 111.2°F within a week, it was closed! In China, the recorded temperature in northwestern Xinjiang province was 126°F. Places worldwide have been hampered by the heat wave temperatures, impacting people's lifestyles, tourism and the country's economy. Is It Safe To Travel To Heat Wave Zones? As travelers, you should check the upcoming weather and climate of the location that you are visiting! If you visit one of the places I have stated regarding increasing temperature, you must keep a tab on the everyday temperature. Your sightseeing might go differently than planned if a situation occurs when one of the monuments or places you will be visiting is shutdown due to increasing temperature. If you suffer from chronic health conditions, you should not go out, especially in the scorching heat! If you are visiting from professional liability, you must carry out certain steps to cope with the heat. Remember that the temperature starts building from 11 a.m.; hence, try to enter a building or where your work is within that time frame. Read along further to learn about your steps to stay safe! What Are The Things To Do If You Travel To Heat Wave Zones? In the evening, the temperature will come down. Hence, it would be best to keep yourself cool in the daytime. The first thing is to wash your face and arms, including your armpits and wrists, so your body temperature can feel a bit of semblance. You can repeat the action as much as possible the whole day! If you are visiting Europe, you've got it easy! There are fountains in Europe. Apart from that, you need to take cool showers and air-dry yourself! It will keep the temperature of your body down. In some countries, such as Italy, residents are asked to stay in an air-conditioned environment for at least 3 hours a day. Try to find a cool restaurant, gallery or museum if you are visiting one of these countries to stay in air conditioning for some time. Try to wear clothing that is made of cool fabric, such as cotton! It is even better if the material is light and loose from your clothing. Try to use sunscreen as much as possible. Recently, people have been using manual and electric handheld fans to keep the face and body cool as much as possible. Another important thing that you must do is use heat wave sunglasses when outside! Drink more beverages and filled food, such as fruits, salads, and veggies! Also, ensure that you must have insurance covering all your medical expenses before traveling. What Are The Health Risks? Heatwave zones have several health risks, such as heatstroke or sunstroke! In this condition, your body cannot maintain a safe temperature, especially when exposed to hot weather. The body temperature must not exceed 103 Fahrenheit, but in sunstroke, it does. There is also a chance of getting pale skin, muscle cramps, sweating, and exhaustion. Currently, the US heat wave is one of the serious concerns for business travelers! You might get red and blotchy skin if you stay in the sun for too long! You have to take fluid regularly. Chances of dizziness, headaches, and sweating when visiting heat wave zones are high! Finishing Up… Overall, climate change has led to health risks along with issues where people cannot avoid these situations. With increasing temperatures in certain places across the world, people, children, and senior citizens cannot cope with the increasing temperature. People with chronic health conditions such as allergies to skin, asthma, upset stomachs, and headaches are facing more issues, especially when traveling to heatwave zones. I suggest following the tips and consulting a doctor if the situation worsens. Let us know your thoughts about this situation and how to be safe in heat wave temperatures! Read Also: Spring Travel And Eye Health Tips Sizzling Summer Road Trip Destinations 7 Tips For Planning The Perfect Summer Camp For Kids