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  Abdul Aziz Oct 20, 2023

Worldpackers is an online platform where you can connect traveling volunteers with hosts from around the world through a community of knowledgeable and experienced hosts and travelers. Here travelers can create a profile and sift through numerous volunteering experiences to choose from. It is a concept too good to be true that allows you to exchange skills for accommodation. The interface of the application is user-friendly and has an authentic rating system that helps find the most reliable hosts around the world. The package includes an annual fee of $49 for solo travelers and $59 for couples. There is a hoard of benefits that come along with it, such as certified hosts, tips for the trip, hornets reviews, and a comprehensive guide through the entire volunteering experience. The Good Stuff livemoretravelmore.com Learning new skills and growing your experience Free accommodation while you travel Honest review system to choose the best hosts Meeting other travelers Community blog and online support Get a taste of the culture at a deeper level Verified and certified hosts Insured travel plans for a safer experience The Bad Stuff livemoretravelmore.com Hosts can ask a traveler to work for upto 32 hours Worldpacker reviews have a character limit You have to live with your boss, and you will be on calls, mostly Countries You Can Consider livemoretravelmore.com If you have already jumped on the bandwagon and now keep wondering which country to visit through Worldpackers, we have made a list for you to choose from. Keep reading to know which country is calling your name. Costa Rica Famous for its focus on natural surroundings and not the war that tore it, your volunteering opportunities will show up in the form of campings, eco-villages, farms, campings, eco-lodges, hostels, and NGOs. Mexico This country is great for its farms, eco-villages, hostels, as well as permaculture projects while practicing your Spanish and having a jolly good time doing fun things during your free time. Brazil This country is the home of World packers, where the concept itself was born. You will find many volunteering opportunities in campsites, farms, permaculture projects, hostels, eco-villages, pousadas, and holistic centers. Vietnam Vietnam has several school opportunities. Here you will find eco-lodges, holistic centers, guest houses, and homestays. Thailand Another haven for volunteering is the country Thailand where you will find many eco-villages, NGOs, guest houses, homestays, and permaculture projects. Italy This country makes it easy for you to move around. It has volunteering options like eco-lodges, hostels, guest houses, campsites, permaculture projects, schools, and homestays. United Kingdom The UK has it all: hostels in the city as well as farms in the countryside. You can volunteer at holistic centers, homestays, guest houses, and eco-lodges. Spain Here too, you can find ample volunteering options. And along with it, there is a fascinating view of the coast and big waves. Portugal Practice your Portuguese while volunteering at farms, camping, eco-lodges, homestays, and permaculture projects. United States You can volunteer here in the land of dreams for people all around the world. Get the best of both worlds by choosing to volunteer in this country. Reviews From Worldpackers Users Traveling has been a call of the unknown for many. Drawn by its irresistible charm and allure, people have left their homes to answer the call. Worldpackers have allowed many people to travel when they are short on money and means. Sure, it has its downsides where you have to work for the free food, but it is a small price to pay in return for the rich experiences you will likely gather. Here are some of the things people have said about Worldpackers that will inspire you to pack your bags and go tread the roads not taken. Go ahead and read the worldpackers reviews. "I used Worldpackers to have an experience in Italy. I signed up for the platform, browsed the opportunities and decided to pay for the annual subscription.You can only send applications to hosts after you become a verified member.Sent some applications and got accepted to an experience at Toscana, one of the most beauftiful regions in Italy for some internet marketing Gigs. Spent 3 weeks living and working with a wonderful family. Saved a lot with accomodation and food, but, most important, had a great life experience with some good people." Aleno, Tripadvisor "Yes!! I'm british but I've used it all over the world and I love it, I have been accepted to so many more opportunities than through work away and I find the website more user friendly. Most of the places I've been have also had a lot of english speaking volunteers.” Hettiy, Reddit user “Workaway! I have used it in different countries and always had amazing experiences. There's usually a lot to choose from, regarding hosts and the kind of work that you'd do. Go for it.” daniclas, Reddit user "I never imagined to have such an amazing time here in Jaisalmer. ¡the hostel is probably one of the best hosts to volunteer with Worldpackers! I was really lucky to do Camel Safari the first day of my stay, visit the Golden City and take as many photographs and videos as possible for them. I enjoyed a lot was I was doing because photography is passion! The accommodation and food was more than perfect, and the hours of work were flexible. I'm glad and thankful specially with all the nice people I met here. I always felt generosity, kindness and a smile from all of them. ¡NAMASTE the hostel!” Worlpackers member from Colombia "I couldn't have started in a better way my experience with worldpackers. Mukesh is an amazing person and the hotel staff was incredibly kind with me. Mukesh let me feel fine and free about the job which was caring about the social media and designing a menu for the restaurant. Although the city was in low season I could enjoy the hostel Hotel and local people in the city. Almost every evening we could hang out at the hotel rooftop, Mukesh and Richa (from stuff) taught me a lot about indian culture, speciality about Rajasthan. I'm missing them already!” Worldpackers member from Brazil Here is a review for your thoughts on whether there are other platforms like Worldpackers. There is! It's called Workaway, and it's going to start a Worldpackers vs Workaway conversation: “Workaway is better cos it has 15x more hosts and therefore works out 15x cheaper. Its has hosts worldwide not just in latin America. It controls the quality of its hosts and stops businesses using volunteers. Its better because its not funded by venture capitalists trying to jump on the bandwagon. Also it doesnt ask affiliates to spam reddit subs. Ps wwoof is also another good site to try :) Hope that helps.” dodosandcakes Final Verdict Worldpackers is best suited for travelers who are in need of free amenities wherever they go. It can also be for people who want to build authentic relationships with new communities around the world. If you are one of them, you can look forward to making new friends, honing new skills, contributing to society for a greater purpose, and also growing as an individual. If you want to know “is worldpackers legit,” my experience with the membership fees that Worldpackers derive from the annual payment actually pays for much more than the platform itself. The money is well worth it for the support, safety, community, and experiences you enrich yourself with. If you have thoughts to share or questions to ask, please leave a comment below. We would love to hear from you! Read Also: Alsi Resort – Overview, Reviews, Pros, And Cons Sandals Curacao – Resort Reviews, Location, Price And Ambience Norse Atlantic Airways Reviews And Other Information To Check Out

BY  sagnika Aug 19, 2023

It was before me, but I have heard stories! Northwest Airlines' legacy was a legend, especially in the 1920s. What do you know about the airline? Let's discuss its features and drawbacks, giving you an idea of what today's airline brands are not! We need to know people's perspectives before we identify what went wrong! The bankruptcy resulted from the airline's inability to adapt to the changing trends of the low-cost carriers that ruled the 21st century. The rising oil prices and the slowing economy impacted the carrier's status! In this article, I will discuss some of the passengers' good experiences with the Northern Airline, considering it operated for a long time. We will also highlight some of the airlines' drawbacks based on the reviews of people from as early as 16 years ago! Journey To The Skies: Exploring The Legacy Of Northwest Airlines! To learn about the legacy of Northwest Airlines, we need to read about the first account-based narration that will show us the extreme competition under which the airline broke! Delta spent almost $2.8 billion acquiring Northwest, which had 309 aircraft in its fleet! The concern is that a flight company with 309 flights should not be shut down, but it shows that the brand needed to be more efficient. In the later few years, the company had serious maintenance issues with the flights, often leading to flight delays. I will be evaluating reviews about the airlines that will inform you about the way the airlines function. It will also make you aware of airline brands and their operations during the 1900s compared to low-cost airlines. About Northwest Airlines The airline has had several changes in its name over the years! So it can be confusing, but please bear with me as I discuss the important timelines of Northwest Airlines. The airline was founded in 1926 with the name "Northwest" and based in Detroit, Michigan. Initially, the airline moved mail across the United States but mostly focused on areas such as Minneapolis and the Midwestern cities of Chicago. It was late 1927 when passengers boarded the plane across the routes. It was in 1928 that the airline became an international one! Following mail scandals, the airline changed its name again to Northwest Orient Airlines. However, the airline's services were expanding, and by 1939, there were regular operations between Minneapolis and Chicago! Further destinations were added, such as Portland and Winnipeg. The airline further expanded its services to Asia and Japan by 1947. Manila, Hong Kong, Seoul, Shanghai, and other places were also included in the routes. With the Airline Deregulation Act passed in 1978, the airline expanded its services to the UK, Germany, and Scandinavia. In the 1990s and 2000s, with the rise of low-cost airlines, Northwest Airlines had tough competition leading to a loss of money. The direct services between the US and China could have done better! Further, in 2005 the demand fell along with the oil prices, especially with the 9/11 attacks. The Merger The airline was bankrupted in 2005; hence, they filed for bankruptcy protection! Once they were cleared after 2 years, they merged with Delta once it was approved at the end of the year 2008. The brand Northwest retired after the merging launch with Delta! Review Northern Airlines was doing well, especially when no other airline was in the market. With less competition, people were taking whatever they got! However, the airline faced severe issues with Northwest flight once the low-cost carriers came at the later end of the 2000s. The claims made by travelers who booked on this flight included all kinds of complaints starting from dumb staff to delays in flights. Another significant issue I have heard from people is that there was no announcement of flight delays. It isn't easy, especially when evaluating from the passenger's perspective. They might be coming from far off, and it would help if they were announced of the delay instead of waiting around the airport for hours! There are significant reasons why the airline closed, and if you read the drawbacks, I am sure you will know why! Benefits Certain features enabled the airline to function effectively in the previous days! However, in the long term, they could not maintain the quality of their services. Let me highlight the advantages that travelers experience when booking on NW Airlines flights. You would be charged if you ordered a specific meal or beverage on the airline. However, the snacks and water were free. The airfare was quite affordable, especially with the services Northern Airlines provided. It was quite a satisfactory price to pay for tickets at that time. Shortcomings Some of the shortcomings had the power to impact and influence the closing of the airline. It is because customers, at a certain point, became so dissatisfied with the services that the sales fell significantly. Along with the sales, there was also the issue of increasing oil prices, due to which the company needed help to function properly. Flight maintenance was deteriorating as it often became a significant reason for technical issues to crop up in aviation. It led to flight delays making passengers wait and suffer. One of my aunts once traveled on this airline and told me she had to wait a few hours due to technical glitches. Further, the staff members of Northwest Airlines have been stated as incompetent and lazy by many customers who have boarded flights. According to a review in Customer Service Scoreboard, an anonymous assessment informed that the company is failing its quality customer service. The seating space was quite cramped as the aircraft was smaller in size. It created severe issues with people having long legs. Matters were also faced by senior citizens who consistently suffered due to the seating arrangements and comfort. What Do We Know? So, Northern Airlines might be one of the best airlines at some point in history, but like the mighty dinosaurs, it could not adapt to the changing needs and times. The airline's downfall started in the 2000s when the low-cost carrier made it difficult to survive! Customers were also dissatisfied with the airline. Hence, the sales of tickets also dropped. It led to further economic losses along with the increasing oil prices. Comment below regarding your perspective of Northern Airlines and what they could have done to survive! Read Also: This Is My Experience With Play Airlines! Here’s What I Found Out About Aha Airlines! Condor Airlines: Is Booking Tickets On Condor Worth It? Fly In Style: Your Ultimate Guide To Lot Polish Airlines Adventures!