Discovering London’s Hidden Gems: Best Places To Visit In London

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  Sibashree Jan 23, 2026

Amsterdam is well known for its bicycles, canals, coffee shops, and, of course, the red light district. But what many people don’t realise is that Amsterdam is much more than what it is advertised as. And for an avid traveler, it is truly a great city.  If your intention is to steep oneself in the midst of the settings of brick buildings that existed centuries ago on picturesque but slim streets or roads. Large Gothic churches in the midst of vibrant and very active city squares. Or canals with water on either side that are lined with very elegantly designed townhouses. Then there is simply no place else that anyone should be but the city of Amsterdam. This is because it is among the world’s most sought-after tourist destinations. All these Amsterdam travel tips, ranging from how people commute to what people eat during their one-hour break. 4 Amsterdam Travel Tips For All First-Time Visitors: There is a rhythm in Amsterdam; you need to feel it take in the full vibe of the city.  And to do exactly that, the following are some essential Amsterdam travel tips for newcomers to know what to expect on their initial visit. 1. It’s A City Built For Cycling:  Another notable thing the next time you put your foot in the Netherlands is the overwhelming number of bicycles.  Deciphering the city’s bike culture is a great way to understand the local culture and its phrase; this way, you will know the difference between a cafe and a coffee shop.  Bicycle riding is the primary mode of transportation from home to school, from home to the office, and for picking up several grocery items. Many people own bicycles instead of cars.  This is a lifestyle that the city itself was built to accommodate, and it has an extensive. An organised system is in place for bike lanes, special bike lights, and bike parking spots. Therefore, as a visiting cyclist, it's good to know that there are two things:  Always keep an eye on your path. Bike lanes are also clearly marked, so a careless step onto a bike path may result in a warning from a ringing bike bell or a near-collision with a speed demon cyclist!  Consider renting a bike yourself. Walking and using public transport can indeed be good choices in many circumstances. But bike-riding can give you a full ‘Amsterdammer-like experience.’ In addition to making you accessible to areas of the city beyond the center of tourism.  2. Knowing The Lingo Isn’t A Must  If the thought of visiting an unfamiliar overseas city without knowledge of the vernacular language causes you to feel uneasy, fear not, as is the case when you travel to Amsterdam. The Netherlands has repeatedly been included among the world's most fluent-speaking nations.  From the hotel staff and owners to the taxi drivers and cafe staff. Every individual speaks fluent English and is willing to lend a helping hand whenever a tourist is around. 3. DJs Are All The Rave:  The music scene in Amsterdam may also prove quite different from the expectations of new tourists entering the city. While other cities may find live music bands quite commonly in public pubs, electronic music culture prevails in Amsterdam. DJ parties, house music, techno, electronic music, etc., make up a major part of the music commonly present there.  Moreover, the city is famous globally owing to its connection to the music genre known as electronic music. It is known for hosting:  Underground private club nights  Roof top DJ session  Open-air summer festivals, including fantastically illuminated light displays, along with performances by worldwide talents.  Whether you are an admirer of hardcore electronic music or not, the exhilaration, ingenuity, and inclusiveness of Amsterdam’s nightlife are sure to be worth an attempt at least once during your visit to Amsterdam!  4. You’ll Find Plenty Of Snacks (But Lunch Might Surprise You)  Even though the cuisine of the Netherlands does not have the same global iconography as the cuisines of other countries, such as Italy or France. One finds that Amsterdam is a Snacker's Paradise, with numerous street stalls offering the warmth and decadence needed for a day of touring.  Must-try local snacks include:  Bitterballen - Crispy Fried Balls with Rich Meat Ragout  Kibbeling – battered and quickly deep-fried fish pieces, normally of white fish, and served with garlic or tartar sauce  Stroopwafels - Waffle cookies filled with warm caramel syrup  Pannekoeken - Which are Dutch pancakes of a larger size and can either be a savoury or a dessert course  The next idiosyncrasy in Dutch culture that often bewilders outsiders is the Dutch way and style regarding luncheon. Instead of a full meal for lunch, why not try bread with cheese and meats?  If your normal mealtime repast is a good lunch, why not try going to a downtown restaurant or coffee shop and getting a full meal for lunch? A City That Balances History And Modern Life However, what really makes Amsterdam travel tips unique is that old and new go well here. Antique canal houses may be found next to trendy interior shops, historical churches next to modern artworks, and residential areas next to nightlife spots. For history, museums like the Rijksmuseum and the Anne Frank House are great choices, while for insight into the city's life, areas like De Pijp and the Jordaan are the best options.  Bon Voyage! Amsterdam is a place with personality, with pace, with style, with attitude, and with a philosophy for life. It is a place to rewind and relax away from your daily life.  With these amazing Amsterdam travel tips, you can easily have a great time roaming the streets of Amsterdam.  It is a place where you come to revel in the joys of freedom, individuality, and the harmony of life. It is a place where you are sure to build lifelong memories on your very first visit. Take the time to wander past the usual sites and familiarize yourself with the traditions. Let the city slowly reveal its treasures to you. 

BY  Sibashree Jan 27, 2026

Getting lost in the forest or mountains is an unpleasant prospect that can ruin even the most exciting hike.  However, modern technology allows travelers to feel more confident far from civilization.  A smartphone, properly prepared and equipped with the right apps, can replace bulky navigators and become your reliable companion even where there is no cell signal at all.  Use the capabilities of digital maps and GPS to stay on track and enjoy your route without unnecessary stress. So, if you are wondering how the GPS navigator system works, I have got the perfect guide. Here, I will delve into the diverse aspects of the GPS on smartphones. So, keep reading to know more! How To Assess The GPS Navigator System’s Capabilities On Smartphones? A smartphone with a GPS module can perform most tasks that were previously available only on specialized devices.  Its advantages are obvious: always at hand, easy to use, supports many navigation apps, and weighs less than a classic GPS navigator.  However, the phone has its limitations. That is, it is more vulnerable to— impacts,  moisture, low temperatures, and  draining battery. A specialized GPS navigator has better battery life and durability, but is less convenient in terms of interface and is more expensive.  GPS watches can be useful for tracking activity and basic navigation, but their screen and functionality are limited.  If your route runs along popular trails and you are ready to thoroughly prepare your smartphone, a separate navigator is not necessary.  In challenging conditions, on long autonomous hikes, or in extreme climates, it is better to take both devices. How Does The GPS Navigator System Work On Smartphones? Many people think that GPS on a phone works only when there is a mobile signal. In reality, the smartphone receives coordinates directly from satellites, not from cell towers.  This means that even in the remote taiga or high mountains, you can determine your location. Topographic maps are used for navigation—  special diagrams showing terrain,  trails,  bodies of water, and  other important features. A GPX track is a digital route that can be loaded into an app and followed. To avoid being left with a useless dot on a blank screen, download the necessary offline maps in advance.  Without them, the phone will show only your position but won't provide information about trails and landmarks. Choose The Best GPS Navigator System For Your Hike The market for navigation apps for smartphones is rich and diverse. Here is a brief overview of the most popular solutions: • Gaia GPS — user-friendly interface, many maps, supports creating routes and waypoints. Downside: some features are paid, and sometimes there are privacy concerns. • Topo Maps+ — aimed at iPhone users, easy map downloading and printing, and detailed elevation profiles. Downside: iOS only, takes time to learn. • CalTopo — a powerful tool for advanced users, supports complex layers and terrain analysis. Downside: complex interface, some features require a subscription. • OnX — informative maps with a focus on land ownership and access, convenient for multisport. Downside: fewer specialized tools for hiking. • Goat Maps — new app for iPhone developed by enthusiasts, focuses on simplicity and essential features. Downside: currently limited in functionality. • FarOut — leader among apps for long-distance routes and trekking, contains data on key points and verified tracks. Downside: most routes are paid. • OutMap — 3D maps, slope and avalanche risk analysis, fast synchronization between devices. Downside: relatively new product, not all regions covered. • Maps.me — convenient for car routes and short hikes, works completely offline. Downside: limited terrain detail. Things To Keep In Mind With The GPS Navigator System Prepare your smartphone for the hike and download everything you need in advance. So, here are a few things to keep in mind while using the GPS in your phone— • Download detailed topographic and satellite maps of the area you need for offline use. • Find and download GPX files of the route and points of interest (campsites, water sources, junctions). • Check GPS functionality in your chosen app without internet access. • Get familiar with the interface, try building a route, and viewing the elevation profile. • Make sure all necessary maps and tracks are available offline. How To Keep Devices Charged And Protect Them During Hiking? In the wilderness, it is important to use your phone's battery wisely. Use airplane mode and power-saving mode to turn off unnecessary functions.  Do not record tracks constantly so as not to drain the battery. Close all unused apps and turn off your phone when you are not using it. People often get distracted by short gaming sessions and forget to close games.  This is according to data from experts we consulted while preparing this article.  According to data we find on the playplinkogames.com, gaming sessions in Plinko can last for hours.  Often, nothing happens in the game itself, which indicates open but unused apps. Such apps consume battery power, including due to their constant internet connection. Keep your device in your sleeping bag at night — cold quickly drains the battery. Take a power bank with you to recharge your phone on the go.  Protect your smartphone from moisture and impacts with a waterproof and shockproof case. Use straps on backpack shoulder straps for quick access to your gadget. What Are The Safety Measures To Take While Hiking? To ensure you are embarking on a safe journey while planning the hike, you need to consider a few things. So, some of these key considerations include— 1. Check All Settings And Test Your Apps Before The Hike Technology is not something you can trust blindly. So, better to take it on a test hike before considering it for the final plan. That is, you can test out the GPS navigator system with a simple walk around the block or a known hiking ground. This way, you can test its capabilities before fixating your trek plan on it. So, you need to check how the tool works without any internet connection, location determination, and rerouting as needed. This way, the actual features and capabilities of the tool can be tested and verified. Making it easier to use the navigation without facing any sudden issues. 2. Keeping Manual Maps And Compass Handy Moreover, do not completely trust the technology. It can be quite foolish to trust only the GPS and go ahead with a trek plan. Rather, keep paper maps, a compass, and manually manageable topographic maps handy. So, when technology fails, you can still have something to find your way back. In addition to this, learn to read a topographic map. So, you can instantly find your location on the paper. Also, you need to keep it waterproof. So, put on a plastic cover over the paper map. This will protect the paper map from dust, dirt, and rain during the trail. 3. Ensure Safety And Emergency Communication In The Mountains Again, safety measures should not completely rely on technology. What if your battery drains? Or worse, the device stops working due to a malfunction. So, make sure you carry separate devices to send SOS signals over the satellites. This way, you can manage emergencies with a proper device that comes with two-way communication. SPOT Gen4 only sends messages, but it is simple and reliable. Garmin inReach Messenger offers advanced features, including color maps and a digital compass.  These devices often save lives in difficult situations when regular communication is unavailable. Before heading out, thoroughly prepare your smartphone and check all settings. Always take a paper map and compass with you.  Don't forget a power bank and a waterproof case. Combine modern technology with traditional navigation skills — and any adventure will bring joy, not stress.