Chick Fil A Breakfast Hours: When Do They Start Serving Breakfast?

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 Jul 12, 2024

“A river of grass flowing imperceptibly from the hinterland into the sea.” That’s Everglades National Park, a paradise exuding the most pristine and tranquil vibe.  You know, you always don’t need something out-of-the-box to have an ever-lasting impression. The spiritual ones know that being present in the moment and soaking the energy can be the most fulfilling experience.  Similarly, Everglades National Park does not need snowclad mountains or glaciers to draw millions of visitors annually. A diverse ecosystem and the conservation of natural lives here thrive amidst the National Park’s quiet hub.  President Harry S Truman rightly pointed out, "Here is land, tranquil in its quiet beauty, serving not as the source of water, but as the last receiver of it. To its natural abundance we owe the spectacular plant and animal life that distinguishes this place from all others in our country." (Source) So, if you are heading to Florida and want the most immersive experience, plan a trip to Everglades National Park, a swampland just outside Miami. You will have sea turtles, alligators, manatees, Roseate spoonbills, and fish to welcome you.  Everglades National Park: Know The UNESCO World Heritage Site In the Brief Synthesis of Everglades National Park and its outstanding universal value, the UNESCO World Heritage Convention says,  “Everglades National Park is the largest designated sub-tropical wilderness reserve on the North American continent. Its juncture at the interface of temperate and sub-tropical America, fresh and brackish water, shallow bays and deeper coastal waters creates a complex of habitats supporting a high diversity of flora and fauna. It contains the largest mangrove ecosystem in the Western Hemisphere, the largest continuous stand of sawgrass prairie and the most significant breeding ground for wading birds in North America.” There are many other interesting factors adding to the outstanding value of this place. Let’s have a look at them. The Everglades has limestone substrate, which is one of the most active modern carbonate sedimentation areas. It is home to more than 400 species of birds. It is a major migration corridor for birds. Around 20 threatened, endangered, or rare species live in the Everglades. The Everglades was inscribed as a UNESCO World Heritage Site in 1979. Today, various federal, global, local, and tribal governments manage the Everglades, and they work in agreement to restore the sanctity of the place.  An Encounter With The Most Fascinating Wildlife At Everglades National Park  Spanning across 1.5 million acres over Florida’s southern part, Everglades National Park attracted 1,155,193 visitors in 2022 and 810,189 in 2023. Diverse wildlife is the major crowd-puller for this park.  About the Everglades, the UNESCO World Heritage Convention says, “The mixture of subtropical and temperate wildlife species is found nowhere else in the United States.” Animals You Will Encounter At Everglades National Park AmphibiansSouthern leopard frogFlorida cricket frogEastern narrow-mouth toadPig frogBirdsRoseate spoonbillBlack-bellied whistling-duckEurasian WigeonAmerican WigeonInsectsArachnidsMosquitoesBiting fliesCentipedesReptilesLizardsSnakesAmerican alligatorsAmerican crocodilesMammalsShort-finned pilot whale Atlantic bottlenosed dolphin White-tailed deerWest Indian manatees The biodiversity of the Everglades is very crucial for Flordia’s ecological benefits. The Comprehensive Everglades Restoration Plan has been there since 2000 to restore the ecosystem of the National Park.  ** The table does not furnish exhaustive details of the animals found in the Everglades. Only a few species are mentioned.  What’s More At Everglades National Park?  Along with having an encounter with the most diverse wildlife, you can take part in boating, camping, and guided tours at the Everglades. Let’s make the most of it.  Enjoy Guided Tours & Other Services You cannot help falling in love with the following guided tours at the Everglades. Shark Valley Tram Tour Everglades Institue Tours Permitted Tour Guides You can also take airboat tours to Coopertown, Everglades Safari Park, and Gator Park.  Are you in for boating tours? Go for Backcountry boat tours, Florida Bay boat tours, and Ten Thousand Islands boat tours.  Glamping Everglades Style You cannot just miss “glamping Everglades style” if you visit the National Park between November and April. Enjoy the best of wildlife with modern comfort during your stay in these tents equipped with fans, electricity, and other amenities.  Did you know that the Flamingo Eco-tents of Everglades National Park, Florida, was featured on the list of Best Glamping Spot of 2022, published by USA Today? Glamping service here begins at $109 per night. Enjoy A Serene Boating Experience  Being in the water at the Everglades will offer you the most versatile experience. As you paddle through the water, you will also meet amazing birds and fish.  Further, when you pass through narrow channels of mud and seagrass cut through the long banks, you will surely catch a whiff of adventure.   In addition, once you reach Ten Thousand Islands, you will be at a loss for words meeting the oyster reefs and sandbars. If you are a fan of boating and aquatic pursuits, you can also visit other National Parks in Florida, including  Dry Tortugas National Park and Biscayne National Park. Stay Safe At Everglades National Park Everglades National Park has well-chalked safety guidelines, including encounters with wildlife, managing your pets and children, and risks related to mosquitoes and poisonous plants. Don’t forget to check the National Park Service website to know and address safety concerns.  Further, the park provides detailed safety guidelines regarding your visit to the park in dry and wet seasons.   Staying Safe In Wet Season Afternoon downpours and heavy thunderstorms are common Mosquito bites and the attacks of flying bees will be more Weather will be hot (>100-degree F) and humid (over 90%) Wear loose-fitting, full-sleeved/full-length clothes and remain hydrated to beat uncomfortable heat and humidity. Also, use mosquito nets or repellents to avoid mosquito and insect bites.  Staying Safe In Dry Season  The temperature in the dry season is around 53-77 degrees F. Freezing conditions may occur occasionally. Biting flies and mosquitoes will still be present in some parts of the park. Bring a warm jacket, head nets, bug jackets, or mosquito repellents to avoid mosquito and insect bites. Also, wear lightweight and comfortable clothes to explore the place freely during the daytime.  Are You In?  Everglades National Park, the largest subtropical wilderness, is also a UNESCO World Heritage Site. It stretches over a massive two million acres across central and south Florida.  It’s a paradise for wildlife enthusiasts, with various species coexisting there and contributing to biodiversity. It is also a “noteworthy example of viable biological processes.” In addition, as one of the oldest national parks in America, it was designated in 1934 by the  U.S. Congress.  So, are you ready to surf through miles of water and witness how a tranquil wetland can emerge as the goldmine of natural vegetation and wildlife ecstasy? Pack your bag and count me in!    Everglades National Park FAQs  Why Is Everglades National Park So Famous? Everglades National Park is known for its extraordinary wildlife. It is the hub of rare birds, reptiles, amphibians, mammals, sea turtles, and other aquatic animals.  It also has Florida Panthers, one of the most endangered mammals. Further, you will meet the endangered West Indian manatee and the most adorable bottlenose dolphin. The place even has a diversity of vegetation. You will get to see sawgrass, cypress, mangrove trees, and orchids.  Why Is It Called Everglades National Park?  The Everglades had vast, grassy fields or glades. If you decipher the name, you will find it to be a combination of two words, “Ever” and “Glades.” Together, these two words mean open grass fields.  What Is The Best Month To Visit Everglades National Park? November to April, or the dry season, is the best or the safest time to visit the Everglades. The temperature at this place remains moderate in this season, and there are fewer attacks by insects and mosquitoes.  Thanks to the lack of rainfall in Florida during this season, you can also explore the wildlife better during this period.  Who Found The Everglades? John Gerard de Brahm, a British surveyor, found the Everglades while mapping the Florida coasts in 1773. He called them River Glades, and it was 1823 when the name “Everglades” first appeared on the map.  From 1851, everyone started calling it “Ever Glades.” Is The Everglades Salt Water? You will have fresh water and saltwater at Everglades National Park. Once you surf through the fresh water for hundreds of miles, you will reach salt water.  Earlier, this meeting of saltwater and freshwater used to form coastal bodies with partial enclosures. These places were dynamic and had the most productive environments.  What To Wear In The Everglades?  You have to pick your outfits and shoes based on the season in which you are visiting the Everglades. If you are at the National Park during summer or the rainy season, you must wear full-length pants and full-sleeve shirts to avoid mosquito bites and contact with poisonous plants. Don’t forget your rain jacket and shoes or boots you wear during rainy seasons.  In winter, you will need warm jackets, closed-toe shoes and full-length trousers.  Also read Pet-Friendly Destinations Worldwide. Beginner Tips For Your First Camino De Santiago. Guide To Visiting Hegra (Madain Saleh) And The Al Ula Valley.

BY  Sibashree Sep 5, 2025

Looking for Topsail Island vacation rentals can be a very complicated process, but it doesn’t have to be that way. From finding the most affordable time to go to choosing the right rental, there is a lot to cover. Luckily, we’re here to make that process a little easier on you. If it sounds like finding an affordable beach rental is too good to be true, think again. When you do a little digging, you can actually find a lot of options that are budget-friendly.  In fact, you won’t necessarily need to even compromise on the entertainment or proximity to the water. Knowing these tips and tricks is half the battle. In this article, we spill the secrets to an affordable coastal getaway. If you’ve been dreaming of a vacation on Topsail Island, NC, read on and discover the plethora of options that are right under your nose. Let’s get started on this strategic approach to booking affordable Topsail Beach rentals. Beat The Crowds By Booking Topsail Island Vacation Rentals Smartly Everyone aims for beach getaways during the summer months. You can beat the crowds and get more affordable Topsail Beach rentals by booking during the off-season.  By avoiding prime time, you can still bask in great weather without the competition of the summer. Try booking your trip for September and enjoy a summer getaway all to yourself. Another way to score an affordable coastal getaway is to look for strategic ways to book your trip. For example, when you book shorter stays at Topsail Beach rentals, you can often find greater affordability in rental options.  A 3-day or 5-day stay may be cheaper than a week-long stay, particularly in the off-season. You can also talk with a travel agent directly to see if there are any discounts or promotions that may be in place during the time you want to travel. Utilize your resources to find new ways to save. Utilize Local Help And Be Flexible While there’s no harm in browsing the big-name websites for travel booking Topsail Beach rentals, you can also search up local agencies to find property options that may not even be listed on major rental websites.  By working with local agents directly, you can find Topsail Island-specific properties that may be within your budget. Be open to different property types to increase your options, and find spaces to stay with different perks like ocean access, hot tubs, etc. Save While You Enjoy Your Trip If you’re smart with your expenses, you can book your Topsail Beach rentals coastal getaway without breaking the bank.  Rather than budgeting for dining out, opt for cooking your meals at the rental you book. With these savings, you might choose to upgrade your rental or just enjoy knowing you've saved while still enjoying a beach vacation. Another way to save and enjoy your coastal getaway is to buy all of your beach gear and related swimwear necessities beforehand.  Local shops often charge more for essentials like beach towels, sunscreens, etc. Bring your own from home to avoid spending more than you need and keep your vacation more affordable. Choose A Different View To Save More Consider booking closer to the canals or the marsh areas to avoid spending extra on waterfront properties on the island. You can still head over to the ocean when you want to, but you can spend much less on your Topsail Beach rentals without oceanfront views.  You can also find properties inland that are cheaper with close proximity to the coastal areas as well. Consider the benefits of being closer to dining and entertainment than the water, including the costs you’ll save in doing so. Split The Cost Coastal getaway trips are often group get-togethers. See if you and your group are willing to stay in the same Topsail Island Vacation Rentals and split the cost.  You might find out that it’s cheaper to rent a condo and split the cost than it is to rent individual spaces. Contact local real estate agents marketing Topsail Island properties to see what’s available, and make your money work for you. Drive Instead Of Flying Flying can be a costly endeavor. You can save by driving to your coastal destination instead. Choose to see this component as a road trip and have even more fun on your vacation without spending extra on plane tickets.  Your Topsail Beach rentals will be there waiting for you when you arrive. If you do choose to fly, you can often find cheaper plane tickets, especially during the off-season, to make your trip more affordable.  With these savings, you may have more money to spend on your rental units or general entertainment while on your trip. Check Out Independent Listings Another way to save is to check out independent listings from property owners directly. Sometimes, people rent out their summer houses and other properties on ad placement websites and secondary travel sources online.  You might find an affordable hidden gem with access to the water by booking Topsail Beach vacation rentals this way.  You may even be able to work out a deal with individual owners, such as a reduced rate on the property if you’re willing to do the cleaning after your trip.  Local property owners may be flexible in their terms and be willing to work with your budget if you’re open to chipping in. Bungalow and cabin communities may also be open to these arrangements if you’re looking for an affordable vacation option.  You might consider subletting a property for a cheaper rate if there are local options available to you on independent listings. Strategically Plan Your Next Trip The secret to an affordable coastal getaway is to put on your thinking cap. Booking during the offseason and finding other strategic ways to save can set you on track to finding an affordable Topsail Island Vacation Rentals that works for your vacation plans.  Consider the above suggestions as you start the process of planning your next trip on Topsail Island.