Role of Corporate Travel Agencies in Sustainable Business Travel

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  sagnika Aug 11, 2023

Want to learn more about the mountains of Kenya? A geographically and topographically diverse country, the Republic of Kenya has beautiful mountains that are more than just a geographical feature! Please read this article to learn about the features of the mountains, their cultural significance, as well as their beauty. There are almost 3888 mountains, out of which 3856 are named mountains. Mount Kenya is the highest peak of all these mountains, with an elevation of 5199 meters. It is one of the second-highest mountains in Africa and is considered a UNESCO World Heritage Site. Kenya is located in the eastern part of Africa, more towards the southern horn of Africa, with diverse geographical features ranging from towering alpine peaks to mangrove swamps. The mountains' beauty adds to the country's natural features, making it a perfect place to visit! Explore The Beauty Of The Mountains Of Kenya! As a country with a topographical contrast, Kenya is located in the eastern section of Africa. The equator crosses the country across Nanyuki, Maseno, and Timboroa. These features highlight Kenya as a stunning destination that many wish to visit! Being a topographically diverse country where the forests offer diverse wildlife, it is perfect to visit if you love taking safaris. There are also coasts and grasslands, making the location more diverse. The nation is also highly agricultural, with diverse produce, including vegetables, fruits, and animals, even though the location is remote and can be difficult for regular travel. An African safari holiday is a dream for every hodophile, and Kenya offers the perfect backdrop. With spectacular wildlife, astounding landscapes, and a melting pot of culture, Kenya ranks at the top of the travel list of everyone! Moreover, the beautiful mountains play an important role in making Kenya a fascinating place! The country borders nations such as South Sudan, Ethiopia, Tanzania, Uganda, and Somalia. So want to know more about the up-warped giants of the earth? Read along! Highest Mountains Of Kenya The total area of Kenya is 586,000 square kilometers, with high-rising regions such as high plateaus, mountains, arid deserts, and low-lying coastal areas, including islands and coral reefs. 7 freshwater and salt lakes are creating the Great Rift Valley cutting the country in half! Kenya has two of the tallest mountains on the continent. There are several other mountains, most inactive or extinct volcanoes. The landscape is diversified, yet the mountains are as beautiful as ever! Read more on some of the noteworthy mountains in Kenya. Mount Kenya The highest mountain in Kenya is Mount Kenya, located in the center of Kenya, approximately 100 miles northeast of the Capital, Nairobi. The mountain has several summits. Nelion, Lenana, and Batian are some. Bastian is the highest, with 17,058 feet, indicating the mountain's peak. The mountain formed about 3.5 million years ago. A well-known tourist destination, the Mount Kenya National Park surrounds Mount Kenya at the base. You can see elephants, buffalo, as well as colobus monkeys in the park. You can trek the mountain's peak of Lenana Summit as it is feasible without any mountaineering expertise. The rock kente is only available on Mount Kenya as well as the Antarctic, situated at the South Pole. The Spiritual Connection Of Mount Kenya Riuki is found on Mount Kenya, which in a spiritual context is considered the symbolization of the throne of God. Riuki is regarded as the pathfinder by the Gikuyu medicine men. They also believe it therapeutic as they put pebbles at risk as seers. The history of Mount Kenya is interconnected with the Egyptians, Jews, and Ethiopians. Mount Kenya is called Ta-Neteru by the Egyptians, which means the abode of the gods. The God Hapi or lotus, the gods of the Nile Floods, lived on the mountain. The farming communities that settled in Egypt in 7000 BC before the inundation of the Nile corresponded with "Isis," the heliacal rising of the star. It was after the water from the Nile flooding receded, leading to rich dark silt across the Central African countries and highlands. The land is called "Kemet," which is fertile land ready for planting. They consider the lands around Mount Kenya as one of the fertile lands. It also believed that the goddess Isis hid her son, her husband Horus, to raise him from the dead. They say the mountain has medical properties, and the locals consider it amazing. They pray to the mountains for protection and safety. Communities such as Maasai and Samburu are semi-nomadic people who use the northland of the mountain as a paying ground. Mount Elgon The second tallest peak in Kenya is Mount Elgon, located on the country's western side, closer to the Kenya-Uganda border. The mountain has distinguishing characteristics, such as having one of the largest volcanic craters. The top of the mountain is a flat-topped plateau made of basalt. The total height of the mountain is 13,852 feet, with lava tube tunnels across the mountain. Elephants and buffaloes often visit the lava tube tunnels. A national park surrounding Mount Elgon also has rhinos, eagles, leopards, and duikers. Mount Longonot Mount Longonot is an inactive volcano that last erupted in the 1860s but is not completely extinct. The height of the mountain is 9108 feet, and the mountain's slopes are filled with ridges. Mount Longonot is a mountain in Kenya. A park nearby has plenty of wildlife, such as zebras and giraffes. The mountain is situated approximately 60 kilometers northwest of Nairobi. Travelers can visit the park by car, and the base of Mount Longonot has a lot of forest, even around the top crater. Compared to many stony mountains, this one is thickly wooded across the slopes and the summits. Satima Mount Satima is also "Ol Donyo Satima," which roughly translates to "Mountain of the bull calf." It is one of the Kenya mountains! It is the highest mountain across the Aberdare range, with a height of 13,127 feet, and is located on the northern side of the mountain range. The mountain has tussock grass and rocks in some areas and rainforests. There are bamboo forests and Moorland across a section of the mountain. The mountain has a collection of 150 species of plants, such as Podo and Cedar. The mountain is part of the water catchment area for both the Sasumua and Ndakaini dams. The two dams for Nairobi City are the primary source of water. Kinangop Kinangop is a dormant volcano in the Great Rift Valley and the west of the Kinangop Plateau. It is also situated in the Aberdares, with extensive bamboo forests across the mountain in the lower portion. The height of the mountain is 12815 feet. Moreover, the higher sections of the mountain are covered with tussock grass. The top of the mountain is rocky with open moorlands. The top of the mountain is quite chilly and turns freezing at night. Ngiro Mount Ngiro is located in the northern region of Kenya, with a height of 9344 feet. The mountain is part of the Great Rift Valley to the west overlooking the Suguta Valley. The upper slopes have forests, while the mountains is popular for cultivating bees. The mountain falls under the territory of the Samburu people, while the Lmasula phratry performs bee cultivation. The clan claims exclusive rights to the water and the land. Several other mountains and hills are situated in the nation, creating an exciting place for vacationing. If you are a hiking person, Kenya is the perfect place to visit as there are several advantages. There are enough mountains in Kenya for you to go hiking, as well as trails. It is a perfect spot to share holidays as well as weekends with your hiking partners. Some of the tallest mountains are situated in East Kenya. Kulal The mountain Kulal is identified as a biosphere reserve with lava fields, and the origin of the mountain is a volcano. The moisture in the biosphere leads to rain as well as mist, providing hydrological services to the people in northern Kenya. The mountain is located in the middle of East Africa, with steep slopes while deep canyons go across the mountain. It is also one of the driest places in Africa. There are forests across the mountain, a habitat for black rhinoceroses and elephants. Marsabit Mount Marsabit is surrounded by Mt. Marsabit National Park and Reserve, with a height of 1703 meters above sea level. The mountain has many craters, while the hills around it highlight the mountain. Across the mountain are many low-lying arid plains with elliptical shapes 70 km long on the northeast-southwest as well as 45 km wide on the northeast-southwest. The mountain comprises weathered lava flow. Mogila Mogila is one of the mountains of Kenya with a height of 1698 meters. A local relief of 300 meters, steep slopes, and a small summit area characterize the mountain. Moreover, it is located in the Turkana, creating the Great Dividing Range. Namanga Hills The mountain is in the southern part of Kenya. It is located on the borders of Tanzania, with the highest point being 2548 meters. The Great Rift Valley has four peaks: Suswa, Paka, Namarunu, and Menengai. The hills have a collection of hyenas, zebras, ostriches, as well as Antelopes. Cultural Relations Of The Mountains Of Kenya According to the Kikuyu tribe, they say the local Kikuyu god, N'gai resides at the summit of Mount Kenya. Mount Kenya is one such place that the local cultures worship. They consider these mountains the home of spirits as well as gods. Mount Kenya is a spiritual mountain, as the local communities think of it as the residence of God. Ethiopians also consider it the home of God and revered in its presence. The belief gains further confirmation because of the snow at the top of the mountain. The mountain is very close to the equator. Hence, it is quite surprising that there is snowfall at the top. There are thick forests around the mountain, and initially, the military dug the woods to flush the Maumau freedom fighters. According to the traditional version of Mount Kenya in Kikuyu, a star fell on the ground with a bang and formed the mountain. The mountain has volcanic ashes and oozing magma which forms the Kenyte. Mount Longonot has its Masai name, "Oloonong'ot," meaning "mountain with many spurs." The mountains are important as well as are traditional sites for worship by the local populations. Some vow in the mountain's name, while some send prayers based on cultural traditions. Both visitors and the natives join in collaborative activities such as mountain climbing and hiking. Are The Mountains Of Kenya A Cult? The high places in Kenya, especially mountains with snow caps, high mountain ranges, and island mountains, are cults. There are psychological roots of the communities who believe that mountains act as a heavenly ladder. Besides the spiritual connection for the community, mountains are also helpful natural elements for humans as they bring rain, while they also have volcanoes. Volcanoes have a fiery side to them, representing the element of earth. According to the myths based on the world's origin, mountains are the first natural element from ancient water. The indigenous people believe mountains are a great phenomenon of the earth, symbolizing cosmic connection. The local communities consider the mountains as shrines or altars for the Gods and worship them. For example, people in Africa often blame an earth deity when there is an earthquake. They also consider snakes to be culprits, a belief that their cult teaches in the cultural practices of Africa. Conclusion Did you notice something unique about the mountains of Kenya? Most of these mountains have physical features giving an Alpine appearance. There are many ridges across the mountains, giving it a ragged nature. So now you know about the beauty of the mountains, especially when it comes to the cultural aspect of it. People worshiping mountains is one tradition that integrates respect and protection of the natural elements. People from different cultures in Kenya believe in spirituality and offer prayers to the mountains. Let us know in the comments below if you see any culture where people worship mountains too! Read Also: Planning A Hunting Trip To Africa – Here’s What You Should Know The Blue Train: A Luxurious Expedition Across South Africa You Won’t Believe The Best Things To Do When In Fiji!

BY  Sibashree Aug 18, 2025

For those who travel by sound as much as sight. London doesn’t just host music, it holds it. It moves through the brickwork, hums beneath your morning coffee, and shows up when you least expect it.  If you're flying in with rhythm on your mind, don't waste time chasing tourist noise. Here’s a curated London music trip travel guide for music lovers who want to feel the city, not just see it. Your Ultimate London Music Trip Travel Guide: Follow This Itinerary You came for music in London, and if you did it right, you didn’t just watch it—you walked through it.  In London, every borough speaks its own tempo. The key is listening closely, not just for the big nights, but for the quiet tracks in between. Nevertheless, here is a standard London music trip travel guide for four days.  Day 1: Arrival & Warm-Up Walks Start with the echoes. Land, check in, and resist the urge to overschedule. Instead, walk. London’s music history isn’t just locked up in venues—it’s in the corners of Soho, the secondhand shops of Camden, and the quiet plaques on buildings that once held chaos and brilliance. Head to Denmark Street, once known as Tin Pan Alley. You don’t need a guitar to appreciate it—just time and a bit of reverence. Nearby, walk past the former Astoria (now long gone, but not forgotten), then duck into Sounds of the Universe in Soho. The vinyl is deep-cut, globally sourced, and fiercely curated. Grab a late bite nearby and keep it lowkey. You’re just getting started. Day 2: Vinyl Crates & Iconic Stages Go digging, then go big. Start the day in Notting Hill with a stop at Honest Jon’s Records. It’s been around since the '70s and the staff have that rare, quiet encyclopedic knowledge that reminds you music people don’t need to shout. Flip through dub, jazz, garage, and everything in between. Then cross town and hit Rough Trade East in Brick Lane. Even if you're not buying, the energy is unmistakable. There’s usually a live session or interview playing somewhere in the background. You feel part of something—even as an observer. As the evening rolls in, book a Cirque Le Soir table before you head to The O2 Arena. Yes, The O2 is huge. But some nights deserve scale. Whether it’s a legacy tour or a one-night-only show from an artist on the brink, this is where spectacle meets sound.  The acoustics are sharp, the production is heavy, and if you’re lucky, you’ll leave changed. Now, why the table? After a concert, artists love to celebrate. And where do they go? The table will make sure you have access. Day 3: The Cultural Cut Where sound meets soul. Dedicate the day to Southbank. Start with the Southbank Centre. Between Royal Festival Hall, Queen Elizabeth Hall, and the Purcell Room, you’ll catch everything from full-scale orchestras to left-field jazz sets to spoken word that leaves the room quiet in the best way. The best part? The space itself. Brutalist buildings softened by river light, steps where kids blast drill next to older couples sipping rosé, and that unspoken code that says, we all came for something real. After, stop into BFI Southbank or one of the nearby cafés. There’s a quiet, creative current in this stretch of the city. Lean into it. Day 4: A Goodbye With Texture Leave on the right note. Spend your final morning in Camden. Walk along the canal. Listen for the street musicians who don’t just perform—they pour. Visit the Jazz Café if it lines up, or just stop by outside and take in the marquee. A lot of names you know started here when no one else did. Before heading to the airport, swing by Flashback Records or Sister Ray. One last flip through the bins. One last moment to chase something unexpected. That’s what music travel is really about—not the big plans, but the small finds that find you. Day 5: Visit The Victoria & Albert Museum The Victoria & Albert Museum is the place where history meets music. The rarest and exclusive musical collections are often on display at the museum.  Here, you will find the works of Freddie Mercury, David Bowie, and many other musical geniuses representing genres such as opera, rock n roll, and others.  Also, the museum stands out with its unique collection of musical instruments. In fact, the collection of musical instruments here is the biggest in the world.  Day 6: Visit Abbey Road Are you a Beatles fan? You surely know what to visit in London. Abbey Road Crossing is the place where the Beatles' album was shot.  Furthermore, the crossing is close to Abbey Road Studios, where the Beatles recorded many of their iconic songs. The studio is still active as a recording facility, and you can also reserve a guided tour of the studio to learn about the history of music in London.  Day 7: Pay A Visit To The 100 Club The 100 Club in London was known as the Feldman Jazz Club from 1942 to 1964. In 1964, the club was renamed “The 100 Club” and since then, it has been a popular venue for live music shows and events.  Furthermore, throughout decades of its operation, The 100 Club has been hosting iconic performances such as Sex Pistols, BB King, Muddy Waters, Eddie Grant, and the list goes on! Moreover, located at 100 Oxford Street, 100 Club London is the oldest individual setup in the world.  Day 8: Watch A Performance At Royal Albert Hall Our London music trip travel guide will be incomplete without attending a live performance at the Royal Albert Hall.  Located at the northern edge of South Kensington, the Royal Albert Hall can accommodate 5272 visitors.  Queen Victoria opened the hall in 1871, and since then, it has been graced by all the prominent musicians and artists from around the world.  Furthermore, the hall has a distinct Italian architecture, and the first British Marathon was run at the Royal Albert Hall in 1909.