A Complete Guide to Grand Cayman’s Underwater Wonders

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 Aug 29, 2024

Kings Canyon National Park is as grand as its name as it has to offer the most versatile landscape. The granite walls, the flowing streams, and the rugged terrain make it a paradise for hikers and geology enthusiasts.  However, with its diverse vegetation of pine trees, grass, and sequoias, the park is also known for its unique driving experience. The rocky roads with the embrace of green trees are surely worth exploring if you want to make memories for a lifetime.   So, if you are a national park freak and want the most memorable experience, your road should lead to the Kings Canyon Scenic Byway.   Kings Canyon National Park Scenic Drive (Kings Canyon Scenic Byway)  As you drive on the main Highway 180 and turn to the east, you will find the Kings Canyon Scenic Byway stretch. The first stoppage along the stretch will be the Junction View.   From Junction View, you can have a panoramic view of the Middle and South Forks of the Kings Canyon. The Kings River carving its way through the landscape makes the view unbelievable. Your journey can continue till the late afternoon, and Knapp’s Cabin will be the final major highlight of your scenic drive.  The table below will give you a brief overview of what the scenic drive along Kings Canyon Drive is going to look like.   Highlights Things to Do  Cedar Grove Drive east from the road to reach the Kings River.  From there, go to the Cedar Grove Visitor Center and gather information about the park trails.   You can grab your quick lunch at the facility stores here.   Canyon Viewpoint Behold the gigantic granite rocks and the U-shaped formations. Look at the nearby pine trees.  Zumwalt Meadow Trail (Hiking) This is a short and power-packed hiking trail.  Bridge over the Kings River Enjoy the scenic views and take pictures from the bridge.  Arriving at Zumwalt Meadow The Zumwalt meadow looks like the most picturesque painting.   Behold the green grass, dark pine trees, and rocky walls made of monolithic granite stone.  Beware of mosquitoes and bugs here, and use repellants.  Following the Trail along the River Maintain a decent pace while walking through the trail along the river, and thus, you will reach the other side of the Zumwalt meadow. Explore the Rocky Side of the Loop Explore the unique and gigantic rock formations on this rocky side.   The calm meadow here offers an immersive experience.  Relax by the Knapp’s Cabin This cabin tells you the tales of George Knapp, who built this cabin in 1925.  It can be a nice escape for clicking pictures and playing hide and seek.   Once you are done exploring the Kings Canyon National Park, you can come back to the Kings Canyon scenic byway. Behold the changing colors of the afternoon there and click the most mesmerizing photographs.   Other Things To See In Kings Canyon National Park   As the name suggests, the Kings Canyon National Park offers you the most majestic experience. The moment you enter the park at the Big Stump Entrance, you will find the Big Stump Picnic Area, and from there, you can start exploring the big stumps in the park along the Big Stump Trail.  The jungle of old pine trees and the magnificent sequoia trees will offer you the most quaint experience. You will feel humbled by the presence of these towering trees. However, the Mark Twain Stump is the biggest highlight of this trail. This gigantic stump has stairs so that you can climb to the top.   Once you have visited the Mark Twain Stump, you can take up the following ventures.  Visit The Grant Grove Village   From the Big Stumps Trail, you must make your journey toward the Grant Grove Village. There, you will find the Kings Canyon Visitor Center.  You will meet rangers at this visitor center and find the best recommendations about your journey in the national park. Once you know the hiking points and the highlights of the park and have a hiking map handy, you are all set to make the most of the national park.   The rangers will also guide you with instructions about the routes to be avoided for a particular season.   Hike Through The General Grant Loop Trail   As the name suggests, the General Grant Loop Trail is filled with gigantic trees. You can take a peaceful walk here.   Keep Walking Through The Fallen Monarch   A giant fallen sequoia tree with a hollow trunk is known as the Fallen Monarch. It is fun to play around with the hollow trunk, and you can use it as a shortcut to connect two sides of the General Grant Loop.   Meet The General Grant Tree  The 1700-year-old General Grant Tree is surely the pride of the Kings Canyon National Park. The massive scar at the bottom of the tree trunk gives it a gothic appearance, and it shows how the tree has survived extreme weather conditions throughout the years.   Nevertheless, it’s great to find the “Nation’s Christmas Tree” in a magnificent condition despite the ravages of time.   Did You Know?  The General Grant Tree was designated as a “National Shrine” in 1956.  President Eisenhower declared it a National Shrine to commemorate men and women in the USA armed forces.  It is the only living “National Shrine” in the USA.   Visit The Hume Lake  If you are in for an immersive experience, don’t forget to spend your time by the Hume Lake. This mountain lake is known for its pristine beauty and green water.   The pine trees and unique rock formations surrounding the lake make it appear all the more special.   The Hume Lake is one of the least visited places in Kings Canyon National Park. So, keep the park map handy so as to not miss the beauty of the lake.   Relax At The Gamlin Cabin   The Gamlin Cabin, built by Israel Gamlin, was once used as the U.S. Cavalry storehouse. This wooden cabin with a stone fireplace inside has a quaint appeal.   After catching your breath at Gamlin Cabin, you must continue walking along the trail. At the end of the trail, you will find the other side of the Fallen Monarch tree trunk. The hollow trunk of the tree is a favorite of kids and young adults for some mischievous activities.   From here, you can plan other activities in the national park or get back on the main road 180.   Final Words: Is Kings Canyon Worth The Trip?    With magnificent sequoias, colossal rock formations, and many trails, the Kings Canyon National Park is a favorite of outdoor enthusiasts. Further, a drive through the Kings Canyon Scenic Byway offers you some of the most beautiful scenic views of California. Filled with endless bends and twists, this road is only available for driving from April to October.   Also, this glacier-carved valley with deep canyons and high mountains stands for its geological diversity. In addition, this national park is home to the General Grant Tree, the Christmas Tree of the Nation, and Boyden Cavern, with the most intriguing rock formations.   So, overall, this park is a paradise for hikers, geological enthusiasts, wildlife lovers, and people who want to indulge in diverse outdoor pursuits. No wonder that it had 643,065 visitors in 2023. (Source)  Do you want to watch glaciers and meet diverse wildlife? Pay a visit to the Wrangell-St. Elias National Park.   Kings Canyon National Park FAQs   How Long Should You Stay In Kings Canyon National Park?   Based on how well you want to explore the Kings Canyon National Park, your stay in the park should be between one to four days. You can finish taking a walk in the grove of the big trees and visiting the most beautiful trails in one day.  However, if you want to explore the Alpine peaks and the deep canyons to the fullest, you will need to stay at least three to four days in the park.   Which Is The Most Beautiful Part Of The Grand Canyon National Park?   The south rim of the Kings Canyon National Park is the most beautiful area according to most visitors to the park. You can experience the most unique views of the Grand Canyon from the southern rim.  Further, from the southern rim, you will get to enjoy the most amazing view of the Colorado River.   What Not To Visit The Grand Canyon National Park?   You must not visit the Grand Canyon National Park in July and August. The weather is hot and humid during these months. Further, thanks to a diverse landscape and unique vegetation, it’s hard to say which season is the best to plan a trip to this park. Different parts of the park become the most attractive in different seasons.  For example, the North Rim of the park is the best place to pay a visit during May and October. The temperature is pleasant during these months, and the crowd is smaller. Similarly, you must hit the southern rim of the park in the fall. The cooler temperature makes hiking and biking in the southern rim easier during the fall season.   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.

BY  Sibashree Dec 18, 2024

Year-round sunshine and a pleasant weather condition make Austin the hub of outdoor pursuits. So, from hiking and biking to visiting the best parks, you have a lot of unique things to do in Austin Texas.  Also, you must not forget that Austin is home to the Circuit of The Americas. It is the venue of the  Formula 1 United States Grand Prix. So, Austin is the place if you want a good mix of adrenaline rush and quiet retreat in nature.   Moreover, tourism is in the soul of Austin. No wonder that almost every renowned platform like Forbes, Money Magazine, or the US News and World Report considers Austin one of the topmost places to sell for tourism. So, do you also want to explore the things to do in Austin Texas? Here is your Tour and Travel guide.  Unique Things To Do In Austin Texas (Including Free Activities While Traveling On A Shoestring) Spring (March to May) and Autumn (September to November) are the best seasons to visit Austin. You can expect a mild temperature in these seasons, with temperatures recorded around 70 degrees F. Avoid visiting Austin in the summer. The temperature shoots up to 90 degrees F, and the high humidity in the air makes it even more uncomfortable.  Nevertheless, when in Texas, you must not miss the following activities. 1. Visiting The Zilker Metropolitan Park The Zilker Metropolitan Park is located on the banks of the Colorado River. This 350-acre space is a great space for strolling. Here, you can also take a dip at the Barton Springs Pool.  Moreover, the Zilker Metropolitan Park is the venue for some of the most happening events in the city. It hosts the ABC Kite Fest and Austin City Limits Musical Festival.  2. Hiking And Biking At Ann And Roy Butler Trail Are you looking for free things to do in Austin Texas, and want to spend some time in nature? You must visit the Ann And Roy Butler Trail for biking and hiking. The trail leads you to Lady Bird Lake.   It is also a popular place for running and walking for the locals.  The trail has a 1.3-mile boardwalk, and from here, you can enjoy the most amazing views of Downtown Texas. Moreover, the highlights here are the zinc belts featuring the lyrics of the most famous songs of Texas.  The fountains and scenic overlooks further make this place perfect for complete relaxation. Also, when you are at the Ann And Roy Butler Trail, you can see the Austin bats. Austin is famous for these nocturnal creatures and it is the biggest habitat of bats in the entire North America.  3. Planning A Visit To Texas Capitol If you are traveling on a shoestring and want to explore the best things to do in Austin Texas, a visit to the Texas Capitol is a great idea. It is free of cost, and you can explore the entire area in one to two hours. In 1986, the Texas Capitol became a National Historic Landmark. Further, it has secured a place in the National Register of Historic Places. The Texas Capitol is engineered with Texas granite and is even taller than the US Capitol in Washington DC by 14 feet.  Today, the Goddess of Liberty statue at the top of this dome is made of aluminum. The earlier statue was made of zinc and it was replaced during the massive restoration work in the 1990s.  4. A Free Visit To The University Of Texas In Austin A visit to the University of Texas in Austin is a must if you are looking for free things to do in Austin Texas. The Moody Center here is a popular venue for concerts and is widely visited by residents and tourists. Do you want to watch a grand Broadway show? You can catch a show at the Bass Concert Hall. The Bass Concert Hall even hosts small traveling acts.  However, to have the most maddening experience here, you have to visit the Darrell K. Royal-Texas Memorial Stadium. It can accommodate over 100000 visitors and the open-air setup resonated the cheer on the days of UT football games.  5. Watch The Austin City Limits Live At The Moody Theater https://www.instagram.com/p/DAByJSizAU9/ Are you a fan of The Austin City Limits? You must plan a visit to the Moody Theater. In the history of American Television, Austin City Limits is the longest-running musical series.  Before you catch a live screening of the series at Moody Theater, you can also take a tour. The tour starts from 11 AM from Monday to Saturday and continues for 90 minutes.  6. Spending Some Time By Lake Travis There is no dearth of natural wonders in Austin, and Lake Travis is surely one of the most prominent among them. Its shoreline is 271 miles and it has a length of 64 miles.  Lake Travis is created by taming the water of the Colorado River with the Mansfield Dam. You can take a drive along the dam to assess the vastness and beauty of this lake.  Furthermore, you can stop by the Mansfield Dam Park on the way. It is a beautiful place for a lot of outdoor pursuits. You can enjoy swimming, scuba diving, and hiking here.  Moreover, the sunset looks most beautiful at Lake Travis. So, it is called the “Sunset Capital of Texas.”  7. Visiting The Circuit Of The Americas https://www.instagram.com/p/DCsQW_juS8a/?hl=en&img_index=1 If you are in Austin in October and are a Formula 1 fan, you must visit the Circuit Of The Americas (COTA). It hosts the United States Grand Prix Race every October. Attend this event to experience the most beautiful fusion of light and speed. With the crowd going crazy in the stadium for their favorite teams and racers, the ambiance becomes electric during the race. The racing track also has the Germania Insurance Amphitheater. It’s the largest venue for outdoor concerts in Austin.  Moreover, you can visit the COTA tower here and reach the observation platform for a Hawkeye view of the racing track below and the entire surroundings. The ticket will cost you around $35. Are you looking for more unique things to do in Austin Texas? You must plan a visit to South Congress Avenue, Blanton Museum of Art, and Sixth Street.  Also read Why Include Whale Watching In Your LA Itinerary. Traveling On A Budget: Tips For Affordable Adventures. From Cocktails To Kickflips: Must-Try Activities In San Diego.