Plan A Day Trip to Dry Tortugas National Park: This Is How You Will Do It 

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  Barsha May 24, 2025

Just imagine you are out in the sea, cruising through the crystal clear waters with towering cliffs around you. And, you sailed to reach the most breathtakingly beautiful fjord in the world. Exciting, right? But, does this kind of place truly exist? Well, welcome to Trollfjord in Norway. One of the most beautiful and mystical fjords in the wilderness of Norway. Here, you will enjoy the natural essence of fjords with a cinematic view of the cliffs converging towards your sailing cruise. It is one of the most famous spots to experience fjord cruises in their purest form.  For those planning a fjord tour that’s a bit off the tourist radar—but packed with jaw-dropping beauty and Arctic charm—a Trollfjord cruise in Norway should be at the very top of your itinerary. Why Cruise Norway’s Fjords? If you are wondering why you should cruise through Norway’s fjords? You will be awed to know about the beauty of the western coastline of Norway. It is carved into numerous sea inlets for you to cruise down. And, the coastline stretches to all the way from the city of Stavanger to the Arctic Circle. The best way to experience this extraordinary landscape is from the water. So, you need to take the Trollfjord cruise to navigate through these majestic cliffs. And thanks to Norway’s long summer days, the golden evening light stretches for hours. So, the cliffs are literally washed with the surrealistic glow of the long sunsets. Moreover, you get to enjoy the wildlife spots like puffins and porpoises to fully immerse yourself in the peaceful rhythm of Norway. The Secret Splendor of Trollfjord Trollfjord (or Trollfjorden) is a narrow fjord located in Northern Norway, nestled between the Vesterålen and Lofoten archipelagos. It stretches for around 2 kilometers. So, it is not one of the biggest fjords to explore. But the breathtaking beauty of the place balances the short stretch of it. Moreover, you can access the fjord only by using a boat to sail down, as the entrance is quite narrow. Around 100 meters wide, the entry leads to towering granite cliffs rising straight out of the glassy waters. Inside the fjord, you will see beautiful waterfalls and alpine peaks all around the place. Truly, the fjord offers a marvellous spectacle to nature lovers. Unlike more famous fjords like Geirangerfjord—which draw crowds and cruise liners—Trollfjord is remote, wild, and blissfully quiet. So, you can enjoy its tranquility while cruising. The Best Way to Experience Trollfjord? Go Small, Go Local One of the most important decisions you’ll make when planning a fjord tour is how you’ll see it. Large cruise ships are great for comfort and convenience—but they can’t get into Trollfjord.  The narrow entrance and tight turning space make it accessible only to smaller, more agile vessels. For an unforgettable and sustainable experience, book with a small, eco-conscious operator like World Sea Explorers.  Their Trollfjord tour is designed for travelers who want to get up close to nature—not just view it from a distant balcony. On a small ship, you’ll: Sail quietly through the fjord with fewer than 12 guests on board Get closer to waterfalls, wildlife, and cliffs  Hear stories and local legends from expert guides  Support sustainable tourism and low-impact exploration  It’s a fjord cruise experience that feels personal, peaceful, and immersive—more like a nature retreat than a sightseeing tour.  What You’ll See on a Trollfjord Cruise Each Trollfjord cruise is shaped by the weather, the wildlife, and the season, but here’s a taste of what you can expect: 🦅 Sea Eagles in Flight Trollfjord is famous for its population of white-tailed sea eagles, Europe’s largest birds of prey. These majestic raptors often glide close to the cliffs, circling boats and scanning the water for fish. 🐬 Marine Life Porpoises, seals, and even whales can be spotted in the fjord and surrounding waters—especially in early summer when marine activity peaks. 🌄 Towering Peaks and Waterfalls The granite cliffs on either side of the fjord are peppered with snowmelt-fed waterfalls. In summer, they cascade down like silver ribbons, especially after rain. 🌿 Pristine Silence One of the most powerful features of Trollfjord is the silence. With no road access and minimal boat traffic, the fjord has a serene, sacred quality that’s rare in today’s world.  When to Go: Best Season for a Trollfjord Tour Although the place is beautiful throughout the year, there is a specific seasonal time when you can best enjoy the place. During the months of May to September, Trollfjord has the longest summer days. So, you get to enjoy the mild weather and long hours of daylight while cruising or sightseeing the wilderness around. Moreover, if you are visiting around the months of June and July, you will get to experience the most awesome sunsets. With the midnight sun, you can enjoy the evening golden hours to relax or sail through the fjords. However, in August, the weather becomes slightly cooler. So, it is perfect for enjoying the cool sea breeze while cruising through the marine life. Also, you get to check the migratory birds and whales around the place. But if you want to truly immerse yourself in an offbeat location with few tourists and beautiful natural landscapes, try visiting during September. Amidst the autumn weather, you can enjoy the beautiful mornings and a hint of winter’s arrival in the air. Some tours also operate in the winter months, combining a fjord cruise with Northern Lights chasing. While Trollfjord may be harder to reach in icy conditions, you can cruise through the surrounding waters to see the Arctic starry skies. What to Pack Whether you’re visiting in summer or winter, dress in layers and prepare for rapidly changing weather. A waterproof jacket, warm base layers, and good shoes are essential. Don’t forget: A camera with a zoom lens (for eagles!) Binoculars Reusable water bottle and snacks Gloves, hat, and scarf even in summer—it gets breezy on the water  Extend Your Adventure in Lofoten & Vesterålen If you’re traveling this far north, you’ll want to spend a few extra days exploring the surrounding region.  The Lofoten Islands are postcard-perfect: colorful fishing villages, dramatic peaks, white-sand beaches, and cozy rorbuer (traditional fisherman cabins) you can sleep in. Vesterålen, just north of Lofoten, is quieter but equally stunning. It’s one of Norway’s best areas for hiking, kayaking, and whale watching.  You can also explore Sami culture and taste traditional Arctic cuisine in this lesser-traveled region.  Why Trollfjord Should Top Your Norway List If you are a traveler who loves experiencing unique and breathtaking nature, Trollfjord should be on your next trip plan. From the wilderness to the natural serenity, it offers you everything you need right in one place. It’s raw, powerful, and deeply moving—and the feeling cannot be replicated in any other place. By choosing a Trollfjord cruise in Norway with a small-ship operator, you’re getting more than just a photo dump. In a way, you’re immersing yourself in one of Norway’s most magical places. With the locals and the beautiful nature around, you are guaranteed to love the land, sea, and everything in between. With the craze of travelling for Instagram views, most of the tourist spots have become crowded. So, choose Trollfjord in Norway to immerse yourself in an offbeat trip to nature! Up Next.. Here is a List of Best River Cruises in Europe! These Best Places To Travel In Europe Are Amazing In Winter Chartering a Yacht in Norway: Your Ultimate Guide to an Unforgettable Adventure

BY  Sibashree Dec 24, 2024

Washington, DC, the capital of the USA, is experiencing a massive boost in tourism these days. 2023 has been a remarkable year, with the number of footfall reaching 25.95 million. The number is not just up from 2022 by 17%, rather, it is an improvement from the visitors in 2019.  No wonder the things to do in washington DC have an important role to play in the increased tourism.  The spike in tourism has further yielded a positive impact on the local economy. The number of 1.95 million international visitors in 2023 has been especially beneficial, considering they stay here longer and spend more than domestic visitors.  “This is a major milestone for Washington, DC. Put simply, we are seeing the results of our increased marketing and sales efforts thanks to the tourism recovery district legislation, and the city is benefitting from increased tourism. There is still work to do, however, since international travel hasn’t fully recovered. The additional funding allows us to continue to entice international visitors who stay longer and spend more.”Elliott L. Ferguson, II, President and CEO, DDC So, do you also want to be a part of the bustling tourism scenario in the US capital? Let’s check out the things to do in Washington DC. I have also included some free activities to make your travel itinerary more pocket-friendly.  Fun Things To Do In Washington DC | Including The Fun Things You Can Enjoy Here The best time to visit Washington, DC, is during the spring season. This is the season when you will find cherry blossoms in full bloom. Further, the spring months record an average temperature of 5-24 degrees Celsius.  You can even plan a visit and explore the best things to do in Washington DC during the fall season. The fall months of September to November also record moderate temperatures ranging between 5-30 degrees Celsius.  Irrespective of the season, if you want to visit Washington, DC, you can try the following activities.  1. Visiting The White House And The Washington Monument White House And The Washington Monument are two most important landmarks of Washington DC and the entire USA. You can take an elevator to the top of the Washington Tower and explore a 360-degree view of the surroundings. On the other hand, the White House, the official residence of the US President, has been standing proud in Washington DC for two hundred years as the symbol of American life and people.  2. Visiting The Lincoln Memorial Address: 2 Lincoln Memorial Cir NW, Washington Contact No: +1 202-426-6841 Are you traveling to Washington, DC, on a budget? You must visit the Lincoln Memorial in Washington, DC. It is free and an ideal location for history buffs or people who want to know about Lincoln. Read here the famous speeches of Lincoln, including the Gettysburg Address and the Second Inaugural Address. Moreover,  the 38 Doric columns and other architectural features of the Memorial will grab your attention instantly. When Lincoln Passed away, the 36 Doric columns of the Memorial used to stand for 36 states of the USA.  3. Sightseeing At The National Mall  Contact Number: +1 202-426-6841 A visit to the grassy expanse of The National Mall is one of the most exciting and fun things to do at The National Mall. If you want to take an end-to-end walk on this grassy expanse, you have to walk for 2.5 miles. As you take a walk through the National Mall, you will find many important monuments of the USA. You must especially stop by the World War II Memorial and Washington Monument. Moreover, the National Mall is one of the most popular places to visit in Washington, DC to visit with your family.  4. Plan A Visit To Vietnam Veterans And Korean War Veterans Memorials Address:  900 Ohio Dr. SW, Washington Contact Number: +1 202-426-6841 Though not a fun visit, the Vietnam Veterans And Korean War Veterans Memorials are one of the best places to see in Washington, DC. “The Memorial” or “The Wall” is a popular place for dark tourism in the USA. Today, when you visit the memorial, you will find the names of over 58000 Americans emblazoned on it. All of them lost their lives in the Vietnam War. You will also find metal sculptures of soldiers in action.  Further, the Korean War Veterans Memorials pay tribute to 1.5 million Americans who were impacted by the “Forgotten War.”  Tour And Travel Note:The Korean War Memorial does not have adequate signage. So, if you already don’t know about the Korean War or for a young traveler, it may be difficult to grasp the significance fully. 5. Appreciate The Brilliance Of The National Gallery Of Art Address: Sixth Street And Constitution Avenue Northwest  If you are looking for free things to do in Washington DC, you must consider a visit to the National Gallery of Art. And all the Da Vinci Code fans, this is the museum where you will find the only oil painting of Leonardo Da Vinci on a permanent display in the USA. Further, the West Building houses some of the older works of the museum. You will find here works of the likes of Claude Monet and Sandro Botticelli. So, the happening museum in the heart of America assembles the best of Europe art scenario.  6. Catch A Performance At The John Kennedy Center For The Performing Arts  Address: 2700 F St NW, Washington, DC Contact No: +1 800-444-1324 The John Kennedy Center For The Performing Arts is home to the National Symphony Orchestra. Throughout the year, you will find many performances, musicals and other shows taking place at the John Kennedy Center For The Performing Arts.  Even if you don’t want to spend on the tickets (which usually come at a higher price), you can watch the free performances on the Millennium Stage.  Furthermore, don’t forget to explore the “Art and Ideals: President John F. Kennedy” here. It has been there at the John Kennedy Center For The Performing Arts since 2022, and it ensures an immersive experience.  7. Spend Some Moments Of Introspection At Washington National Cathedral Address: 3101 Wisconsin Avenue NW, Washington Contact Number: +1 202-537-6200 The Washington National Cathedral is the sixth-largest cathedral in the world. The construction of this massive church started in 1907 and was completed in 1990. The cathedral is so huge that you will need at least 2 hours to explore it. Furthermore, the gothic architecture will grab your attention instantly. Also, as you step inside the church, you will find intricate works of stained glass.  Moreover, the surrounding garden is a nice place to take a stroll and spend your leisure.  Also read Top 10 Most Popular Paraguay Food That You Must Try. Top 13+ Famous Wonders Of India That You Must Visit [Updated 2024] Top Tips For Motorbike Rental In Phuket – A Guide To Exploring The Island On Two Wheels.