9+ Cheapest Places To Travel Now In USA: USA Travel Guide On A Shoestring

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 Sep 10, 2024

The year 2023 fall saw the return of Lake Manly or the Death Valley National Park lake. The Badwater Basin is the lowest point in the Death Valley, as well as the entire North America. It is located 282 feet below sea level, and today, the world knows it as a dry and salted flat.   However, a massive downpour caused by Hurricane Hilary in fall 2023 and the “Atmospheric River Effect” this year made the dried lake appear magically. Lastly, the lake had a resurrection in 2005, and suddenly, this trace of life in the barren land looks and feels surreal.   But why did this lake appear all of a sudden? Will it stay? What can you see while exploring the area near Lake Manly? This article tries to find answers to all your questions. Further, there is a sneak peek into what NASA shows about the ghostly and ancient lake at Death Valley National Park.   Has The Ancient Death Valley National Park Lake Returned?  Yes, the ancient Death Valley National Park lake made a comeback. Hurricane Hilary hit Death Valley on 19th-21st August 2023, and its remnants caused more rainfall than the average yearly rainfall (2 inches) at the national park.   Further, a Californian storm or the atmospheric river effect on 4th-7th February 2024 caused 1.5 inches of rainfall. Altogether, the amount of rainfall in this park from the second half of 2023 and the first half of 2024 was 4.9 inches.1   This sudden and unprecedented rainfall caused the rise of Death Valley National Park Lake. In mid-February 2024, the lake had one-foot deep water. Further, it was 6 miles long and 3 miles wide.   NASA has published a series of three images of Lake Manly. The pictures showed the difference between the barren, salted land in July and the waterlogged area in August after the rampage of Hurricane Hilary and Atmospheric River. Further, the pictures also depicted that the lake was almost the same size in August 2023 and February 2024.   Moreover, according to the latest update in April 2024, the lake is getting a steady number of visitors. The reflection of the surrounding peaks looks out of the world in the tranquil water of the lake. In addition, thanks to the rainfall and the resurgence of the lake, the national park had an abundance of wildflowers this season.   Elyscia Letterman2, an interpretive park ranger with the National Park Service (NPS), has mentioned,   “It's quite beautiful, especially at sunrise and sunset when you have these beautiful reflections from the mountains around the lake. There's some snow on the mountaintops. So, the reflection of the snow-capped mountains on the water is very beautiful. It doesn't feel like you're in Death Valley.”   Again, the Amargosa River keeps feeding the Badwater Basin area from the south. With its increased water level, it can help the Death Valley National Park lake to stay. Having said that, let’s discuss a few details about how Hurricane Hillary and the atmospheric river effect impacted the lake formation and overall national park.   Hurricane Hillary Hits Death Valley National Park  https://www.instagram.com/p/C2AgKKwLHMn/ The Death Valley National Park experienced flooding after a massive downpour started at Gower Gulch near Zabriskie Point. The rainfall took place on 20th August 2023, and the crew started assessing the havoc in the park on 21st August 2023.   Thanks to the flooding, Lake Manly made a comeback. However, some of the backcountry roads were completely washed. In addition, there was a major loss of pavements and undercutting.   “The lake was deep enough to kayak for a few weeks after Hurricane Hilary, but unfortunately people couldn’t come enjoy it then. Every road in the park was damaged by flash floods, and it took two months to open the first road into the park. Now most of the main roads are open, so it’s a great time to come visit!”   - Ranger Abby Wines on the return of the Death Valley National Park Lake after Hurricane Hillary  Atmospheric River Effect In Death Valley National Park  The Death Valley National Park was already recovering from the impact of Hurricane Hilary. Suddenly, in February 2024, a Californian storm or the atmospheric river effect hit the national park. The storm fed the Badwater Basin with water, which enhanced the temporary lake.  This storm also pulled down snow from the mountain peaks, and it came down to around 4000 feet in the park.   Will The Ancient Death Valley National Park Lake Stay?   Despite the endorheic nature of the Badwater Basin, the Death Valley National Park Lake is transitional or ephemeral in nature. The evaporation rate here is higher than the water feed it gets. However, the downpours caused by the August 2023 and February 2024 natural calamities have brought all the changes. We now have a lake that shows some potential to stay.   Again, the Amargosa River has flowing water at a high level. So, the basin is getting constantly fed by water from the south. As a result, the lake still stands in the driest place for a span of more than 6 months. In 2005, when the lake reappeared for the last time, it only lasted a week. This time, there is a new scenario around the lake and how long the water will last.  Having said that, nothing specific can be mentioned about how long the lake will stay as the rate of evaporation is still high. Even as I write this article, I realize that the lake may not remain fit for kayaking for long. Still, the lake is likely to exist for some time, offering visitors a renewed site of attraction in the national park.   Overall, the resurgence of the lake and its stay is an “extremely rare event,” as mentioned by the National Park Service authority.   Exploring The Death Valley National Park Lake Area   There is no denying that all roads in the Death Valley National Park lead to the ancient lake, which has come to life. Once you are done taking photographs or seeing the reflection of the surrounding peaks in the water, you can take a walk around the area.   The shores of the lake have a white boundary wall, which is formed because of a high concentration of salt. Further, the Panamint Range, Black Mountains, and barren land surrounding the lake offer you an other-worldly experience.   Moreover, you can explore the nearby looking points in the park to have diverse views of the place. Enjoy your time at the oasis of Death Valley!   What NASA Found About The Death Valley National Park Lake? (April 2024)  NASA showed the change in the Death Valley National Park Lake from February to March using SWOT, a U.S.-French Surface Water and Ocean Topography satellite. In just six weeks, the water level came down to 1.5 feet from 3 feet.   The NASA report has further highlighted the temporary nature of the lake and the fact that a gust of a strong wind can move this lake by a couple of miles.  Final Words   With “billions of gallons of water,” the Death Valley National Park lake is alive again. The sapphire blue water in the midst of a barren land shows the magic of nature. In February 2024, the lake became a go-to destination for kayaking, thanks to its 1-foot-deep water. However, by March, the lake was closed to opening, and in April, the lake was transformed into a waterbody of a few inches’ depth.   This has also become a tourist attraction thanks to the most amazing sunrise and sunset views.  Further, there is no assurance or specific information available about how long the lake will last. So, make it to the Death Valley National Park till the lake lasts. Also, don’t forget to share your experience as you explore the Badwater Basin area around the ghostly (now alive) lake. Also read Connemara National Park: Where Guglielmo Marconi Invented The First Full Duplex Radio. You Can’t MISS These Best Songs for Instagram Travel Reels (Real People, Real Choice 2024) Lake Clark National Park And Preserve: Very Few Know How It Preserves The Alaskan Spirit And Culture.

BY  Aritra Bose Mar 26, 2025

If you are planning to visit a place in the monsoon, Phe Phe Falls is your destination to go. In Meghalaya, among the lush green forests and bridges, the waterfalls will stun you into speechlessness. Furthermore, there are possibilities of visiting other equally amazing places quite close to the falls.   The state of India is quite a paradise when it comes to natural beauty, elements, and other inspiring factors. You will enjoy the place apart from doing things like swimming, trekking and others. Read the blog to learn more about one of the most exotic places to travel.   Is Phe Phe Falls Worth Visiting?   The water of the Phe Phe Falls is cold, transparent like the sky with blue in its depth. The transparent water gives an essence of diversity, beauty, and unique charm. Let me share with you the meaning of the name, the things to do and what are the places around the fall to visit.   Additionally, you can immerse your feet in the chilling waters and a sense of another worldly feel. It will fill your heart with happiness as you see the beauty all around and inside of you, experiencing a different kind of peace.   In this blog, I will share with you what I think of the place, why you must visit it additionally, what is the best time to visit. You can plan this place when planning your solo trip in India.   Meghalaya   Meghalaya offers you various elements, its natural beauty, the culture, folklore, lifestyle and music of the people. When you visit the place, you realize the natural beauty is further enhanced with the human touch!   The paradise of the North-Eastern corner of India, Meghalaya is a nature lover’s retreat to exploration, self-love and adventure. Amongst the beautiful valleys and waterfalls, one such fall is Phe Phe Falls in Shkentalang village.   The fall is located in the West Jaintia Hills district, and you must visit it to experience a mix of beauty, mystery and grandeur. Let us explore further things to do along with other places to visit around the falls.   Best Time to Visit Phe Phe Falls   If you are wondering about the best time to visit Phe Phe falls in Meghalaya, I would say monsoon season is the best. Starting from the month of June to September, you will find Meghalaya at its best. The Phe Phe falls is at its fullest during this time.   You will be thoroughly impressed with its beauty, the fall cascading down with abundant water amidst the green surroundings, in the lush and green forests. However, I would suggest you need to check the local weather conditions regularly when you are visiting.   It is important because there are always chances of heavy rainfall during this time which ultimately has the power to impact the visibility and your travel plans. However, if you are not a huge fan of monsoons, you can go post monsoon, between October to November or even during March to May, which is prior to the monsoon seasons.   These times are relatively stable as compared to the monsoon seasons when it comes to heavy rainfall. The lush green surroundings were quite persistent during these times as well but with a limit to the sudden downpours.   About Phe Phe Falls – Meaning   The Jaintia word, Phe Phe can be translated into meaning paradise, which is also the name of one of the major ethnic groups in Meghalaya. A two-tier waterfall, the Phe Phe fall is more thrilling compared to other waterfalls because of the steep hill which you can see through the shrub bamboo plants.   With the backdrop of the blue sky, the sight of the waterfall will steal your breath away. There are range of hills which are layered with shadow and light on the opposite side. When you visit the place, you will feel that you have entered a different, more beautiful world.   Things to Do in Phe Phe Falls   Meghalaya is a must-visit destination and there, the Phe Phe falls is a perfect place for you to enjoy the serene surroundings. Additionally, there are some things to do here so, let me share with you what else you can do in this tranquil atmosphere with breathtaking views.   Trekking   This is a must if you are an adventure traveler especially because Phe Phe offers you the best experiences of trekking in Meghalaya. You will go through lush green forests across the surrounding hills which offer stunning views.   If you are a nature lover, you should trek checking out the different types of animals and plants, thus adding excitement to your overall journey. The trek is quite average, suitable for both experienced and beginner-level trekkers.   Swimming   The act of swimming is a relaxing one and when you go swimming in the Phe Phe waterfall in Meghalaya, you find peace. There is a natural pool which is at the base of the waterfall, and you can easily take a dip in the pool.   You can also enjoy the scenery around the Phe Phe falls in Meghalaya once you are done swimming! The water is invigorating and clear, providing as beautiful surrounding to soak and relax. So, if you are still wondering what are the places to visit in Meghalaya, I am sure I have convinced you!   Additionally, the tranquility in nature will create a perfect place for you to relax and yet enjoy. It is a perfect place to cool off after you come down from your rock climbing or trekking.   Camping   In Meghalaya, the Phe Phe Falls offers you a beautiful and perfect experience when camping out! It is only possible for those who are ingrained nature lovers to enjoy the lush greenery, falling water, and picturesque sunsets and sunrises.   Living under the stars, camping near the Phe Phe falls is a perfect example of enjoying a peaceful night close to nature. Let's not forget that it gives you an opportunity to connect with nature and make several memories.   Rock Climbing   A thrilling and exciting activity, rock climbing is perfect for adventure enthusiasts. The activity is thrilling, and the waterfall is the perfect background as it presents rock climbers with a unique challenge to experience beautiful locations and adventure, all at once.   You need to be trained in this activity along with possessing immense physical strength. Once you reach the top, the view is simply beautiful. This way you can check your capacity and your skills to perfectly climb to the top.   Nearby Attractions of Phe Phe Falls   There are several attractions near the Phe Phe Falls which offer you the further natural beauty of Meghalaya. The picturesque scenes show stunning beauty, allowing you to enjoy the location, thus, offering the perfect weekend retreat.   Dawki River   Known for its boat rides, the river also offers opportunities for fishing. It is one of the top places located quite close to Phe Phe falls. The transparent water will let you see deep into the riverbed and fish swim quite easily.   You can visit from 9 am to 4 pm! Apart from boat rides and fishing, you can also set up a picnic to experience the scenic views. Further, you can also set up your camp along the river.   Krang Suri Falls   Another of the falls, Krang Suri falls is quite close to Phe Phe in Meghalaya. The turquoise pool just below the waterfall creates a mesmerizing sight for visitors. You can do rock climbing, enjoy the peaceful ambience and swim across the clear waters.   Thadlaskein Lake   You can visit the lake from 9 am to 5 pm, which is perfect to enjoy your vacation. There are several things to do in this lake such as boating, fishing, picnicking, and photography. Additionally, you can also visit the boat house and enjoy the sunset at the end of the day painting the sun red.   Shnongpdeng Village   The village offers an escape from the hustle and bustle of the city! The village is perfect for its natural beauty as it is situated just beside the Umngot River. If you are a foodie, this is the place for you as they prepare the most delicious dishes in Meghalaya.   They have their local produce and as they are surrounded by nature, you will have a lot of relaxing time along with good food and good company.   Pack Your Bags...   In conclusion, the natural beauty of Meghalaya is worth traveling to! Phe Phe Falls is one such place in Meghalaya that showcases all its beauty with lush greens and cascading water. The natural wonder is all in its glory in the monsoon season and will take your breath away.   Comment below about when do you decide to visit the Phe Phe falls! Let's explore the beautiful place, if you are seeking tranquility in the natural beauty of Northeast India.  Also read Top 10 Most Popular Paraguay Food That You Must Try. Top 13+ Famous Wonders Of India That You Must Visit.