Enjoying Your Holiday at the Bay of Biscay: 7 Considerations to Enjoy the Incredible Bilbao

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  Abdul Aziz Dec 27, 2021

Are you a nature lover? Then, Ohio is the best place for the travel enthusiast. Ohio has hundreds of natural cliffs, hiking trails, and camping parks. Further, all the federal parks in Ohio are irresistibly beautiful and are full of natural beauty.  When you look at the map of Ohio, you will acquire knowledge about how many national parks are there in Ohio. The number of national parks in Ohio is eight. Further, the national parks in Ohio are the best tourist spots for national and international travelers. They are also the most popular camping spots. So, at Tour and Travel, we have decided to give you a brief idea about all the Ohio national parks. These places are great as budget-friendly tourist destinations and explore the nature and culture of Ohio at its best. List Of All 8 National Parks In Ohio If you are living nearby Ohio and still do not have ideas of camping in federal parks in Ohio. You have missed the beautiful view of nature. All the national parks in Ohio are becoming the best hanging-out spot for every adventure sports-loving person. Here are the names of the seven most popular Ohio national and state parks. 1. Cuyahoga Valley National Park Address: Ohio, USA Hours Open: 24 Hours Contact Number:  +1 440-717-3890 Fees: Free Cuyahoga Valley National park is one of the best national parks in Ohio. This national park lies between Cleveland and Akron. And it is situated along the Cuyahoga River. With the natural preserving beauty of the national park, the rich history of the place makes the park a unique tourist place. This national park is carrying the history of 19th-century waterway Canal exploration. On the north side of the park, a canal exploration center is present to deliver historical impressions to the visitors.  The Cuyahoga Valley railroad runs through the park, making the place more unique. This wildlife park is the home of amazing native wildlife and plants. Where to get a national parks access pass in Ohio? You only have to Buy the American annual pass and enjoy the park. The annual pass system has a special discount for military professionals and children. 2. John Bryan State Park Address: 3790 OH-370, Yellow Springs, OH 45387 Hours Open: One and a half hours before Sunrise to half an hour after Sunset Contact Number:  +1 937-767-1274 Fees: Free John Bryan state park is an extensive 752-acre state national park in Ohio. You hear about the Miami River, and This large green park is just right below the yellow spring and the Clifton. This park is a prevalent clamp ground among the local people. Apart from the beautiful scenic beauty, the long industrial history of the United States is adding more points. In the 19th century, industrial activity increased; therefore, water is no longer the economic source of water. For this reason, many of the factories are getting abandoned. And no longer in use. But the Clifton mill, which was built in 1802. This mill is now becoming a popular visiting place among tourists. 3. Nelson-Kennedy Ledges State Park Address: 12440 OH-282, Garrettsville, OH 44231 Hours Open: 7 AM to 7 PM Contact Number:  +1 330-235-0030 Fees: Free This park is a 167-acre public recreation park. When you are near Nelson township, this place is the best hiking spot for you. The Ledge park is full of hiking trails and camping spots. Beautiful waterfalls and native green plants are making this park look like heaven. This park is one of the best hiking spots for travelers as well as the national parks in Ohio. Nelson Kennedy ledges state park has a 3 miles long hiking trail.  As the park is situated on the natural landscape. Many dangerous paths are present in the park, but the marked hiking trails are guiding the right path of hiking. 4. Mohican-Memorial State Forest Address: 975 O D N R Mohican Road 51, Perrysville, OH 44864 Hours Open: 24 Hours Contact Number: +1 419-938-6222 Fees:  Free Have you seen the movie "The Last of The Mohican"? The natural beauty of the shooting spot is still getting most of the viewer’s attention. This state forest is situated in Ashland country, Ohio. This forest is quite popular among forest researchers. This large 4525 area of forest area is carefully looked over by the Ohio Division Of Natural Resources. This is the third most popular tourist destination in the United States. The Clear Fork River and Pine’s major streams are the two major rivers of the park.  The park’s best feature is 32 miles hiking, 22 miles bridle, 8 miles snowmobile, and 24-mile mountain biking trails. 5. Hueston Woods State Park Address: 6301 Park Office Rd, College Corner, OH 45003 Hours Open: 24 Hours Contact Number: +1 513-523-6347  Fees: Free This park lies in oxford city Ohio. The park belongs in the Butler and Pable country of Ohio city. It covers nearly 3000 acres of area and has 625 acres of a human-made lake. The state was bought in 1941. Initially, it was a prison camp, and after 1957 the park was open to regular visitors. And now, this is one of the best national parks in Ohio. This park has 12-mile long hiking trail and 19 miles of bridle trails along with 20 miles of mountain biking trails. The place’s camping facility is very organized, along with the hiking trails, golf course, and lodging facility. Also Read: Best National Parks In Hawaii 6. Hocking Hills State Park Address: Logan, OH 43138 Contact Number: +1 740-385-6842 Hours Open: 10 AM to 5 PM Entry Fee: Free Are you searching for any national parks near Columbus, Ohio? Hocking Hills State Park is a good choice for you. This park belongs in the hocking hills region. A big part of Hocking state forest belongs in the hocking hills state park. This park has seven separate types of hiking areas, including different hiking trails. Cantwell Cliffs, Ash Cave, Conkle's Hollow, Old Man's Cave, Rock House, Cedar Falls, and a popular hiking route Hemlock Bridge Trail to Whispering Cave Also Read: Best National Parks In Missouri 7. Charles Young Buffalo Soldiers Address: 120 US-42, Wilberforce, OH 45384 Hours Open: 9 AM to 4:30 PM (Monday Closed) Contact Number:  +1 937-352-6757 Fees: Entry Free Do you want to see a national monument in Ohio? Visit this park, and you can see monuments along with enjoying the beautiful natural view. Charles Young Buffalo is one of the historical figures in his first days of life. He was an escaped slave. He was the first afro American soldier in the United States army. The house of the Buffalo soldier is one of the famous historical destinations among travelers. This is one of the most popular iconic monuments in Wilberforce, Ohio. When you plan to visit the Ohio parks, do not forget to visit this monument because the American civil war history was attached to this monument. 8. Dayton Aviation Heritage National Historical Park https://www.instagram.com/p/CjxhlbMMIAw/?img_index=1 Address: 16 S Williams St, Dayton, OH 45402 Contact Number: +1 937-225-7705 Hours Open: 9 AM to 4 PM (Monday Closed) Entry Fee: Free For all the literary enthusiasts and dark academia fans, Dayton Aviation Heritage National Historical Park in Ohio is one of the best places to visit. It remembers Paul Laurence Dunbar, an eminent poet and author.  The park also honors the aviation pioneers Orville and Wilbur Wright. A tour of this park will be a fulfilling and educational experience. Throughout the park, you will come across the following important spots: Carillion Historical Park Wright Cycle Shop Huffman Prairie Flying Field Paul Laurence Dunbar House Wright-Dunbar Interpretive Center Huffman Prairie Interpretive Center You can even opt for a ranger-guided tour of this best national park in Ohio. The only disadvantage of the park is that it does not have a camping ground. So, you cannot stay here.  However, you can always put up your tent in the private and public campgrounds near the park. So, check out the website of the Greene County Convention & Visitors Bureau to locate and reserve the campgrounds.  Frequently Asked Questions On National Parks In Ohio (FAQs) Q1: What is the newest state park in Ohio? A: Jesse Owens state park is the newest state park in Ohio. it is named after a world-famous athlete. It was created in the year 2018 out of a coal mining land that was owned by American Electric Power.  Q2: Which is the smallest state park in Ohio? A: Oak Point state park is known to be the smallest one in Ohio. Measures at 1.5 acres, despite being the smallest state park, it still offers a wide range of facilities for boaters, sightseers, and picnickers.  Q3: Are state parks free in Ohio? A: Ohio is one of the few states in the country that do not charge general admission and parking fee at its 74 state parks.  Wrapping It Up: All the Ohio state parks camping is the most favorite for the fitness enthusiast. The collection of these places are the most popular tourist destination among local and international travelers. National parks in Ohio list quite a long list. But these seven parks and sites are the best places where you can enjoy the hiking trails and camping.  If you are planning to visit Ohio parks for adventurous hiking, do not skip these popular parks. So what is your plan to visit? Do not forget to comment back to us. You May Also Like:  Things To Do In Maryland – Free Places To Visit In Maryland Top 10 Most Popular Paraguay Food That You Must Try Discover Paradise On A Seychelles Yacht Charter

BY  Sibashree Sep 30, 2024

Singapore is one of the top countries in dark tourism if you consider the market growth rate. The country, known as the “Asia Light,” was a British colony, and for them, it became a strategic commercial point. With British rule established here, it became a land of trade, fortification, and military activities. Further, in 1941, Singapore was hit by Japanese attacks. Remember, it was coordinated with the attack of Japan on Pearl Harbor. However, the British rule and the Japanese attacks are just the tip of the iceberg if you look at Singapore's war-trodden and complex political history.  Thus, you will find many sites in Singapore that tell the tales of tragic human incidents. Even if all the places for dark tourism in Singapore are not related to death, there is something mysterious or “somber” about them.  Moreover, the dark tourism sites in Singapore are the places to familiarize oneself with the history of the country, its political landscape, and human stories. THESE Are The Best Destinations For Dark Tourism In Singapore  Most sites for dark tourism in Singapore are related to WWII and Imperial Japanese attacks. Despite being a center of British fortification, it failed to protect itself from those ravages. Let’s explore the places that present Singapore when it was a British Colony fighting against Japanese invasions.  Kranji War Memorial Kranji War Memorial is a place to honor the people of the Commonwealth who died in World War II. It is heart-wrenching to see the names of the allies on the walls of the Kranji War Memorial. Can you believe that there are inscriptions of 24000 allies whose bodies were never found? Further, it is the burial of more than 4000 people who died in the Second World War.  At Kranji War Memorial, you must visit the following spots to remember the brave and lost souls.  War Graves Memorial Walls Singapore Wall State Cemetery Military Graves Singapore Civil Hospital Grave Memorial The Singapore Memorial is the highest point of this cemetery. This iconic structure has soldiers standing in attention, a plane’s wings, and the fin of a submarine.  Choa Chu Kang Cemetery | Another Dark Tourism Site Near The Kranji War Memorial  After exploring the Kranji War Memorial, you can bring out your adventurous spirit. The Choa Chu Kang Cemetery is less than 20 Kms away from the Kranji War Memorial.  The architecture of the cemetery has an eerie appeal. Further, passers-by from the area have often reported seeing women trying to board their cars.  In addition, many cab drivers have carried passengers to the cemetery. However, these passengers suddenly vanished into the air.  Pasir Ris Tower: A Ghost Tourism Site Near The Kranji War Memorial  Pasir Ris Tower, also known as the Suicide Tower, is one of the most haunted places in Singapore. According to stories, a boy with the special power to see spirits saw a person at the top of the tower. He climbed up the tower but got pushed down by someone. Even today, anyone approaching the tower has a strange feeling. The fear is so intense here that people have stopped exploring or ghost hunting.  Changi Chapel & Museum Changi Chapel & Museum is one of the best spots for dark tourism in Singapore because of its educational value. This educational center passes on the heroic stories of Changi that occurred during the Japanese occupation of the country. Further, the Changi Museum is dedicated to people who lived and died in the Changi prison during World War II.  Moreover, the Changi Chapel took inspiration from St George’s Church in its architecture. The prisoners of war (POWs) worked to furnish the church.  The Changi Chapel and Museum has a guide on wheels. Temi is a robot with the knowledge and information to help visitors navigate the museum and learn about the exhibits.  Changi, A Hub Of Dark Tourism In Singapore  Dark tourism is not just about places of tragic human history. Ghost tourism is an important category of dark tourism. When in Changi, you will come across some of the most haunted places in Singapore.  So, are you ready to walk into the shadows? Old Changi Hospital  The Old Changi Hospital was constructed for the treatment of British soldiers. However, under the Japanese troops, it became the house of the prisoners of war.  You can still hear the screams of these prisoners when you are near this hospital.  Changi Old Beach House The Changi Old Beach House is the site where the Sook Ching Massacre took place. Many visitors to this house have experienced screams, and they have seen blood stains on the walls.  Also, many have claimed to see violent paranormal activities at Changi Old Beach House.  The Battle Box The Battle Box was a British underground command center located at Fort Canning Hill. It functioned as a part of the Malaya Command headquarters. Further, the Malaya Command headquarters defended Singapore and Malaya during World War II. The site was restored in 2016. Further, it is a site that speaks about the true reasons behind the fall of Singapore during World War II. So, it is an important educational and tourist destination in Singapore today. Lieutenant-General Arthur E. Percival and Allied Forces decided to surrender to the Japanese Forces at The Battle Box. The surrender happened on 15th February 1942.  Haw Par Villa For me, Haw Par Villa is one of the scariest sites I have visited. According to Chinese mythology, there are ten hells, and Haw Par Villa mimics them.  However, the scariest thing about Haw Par Villa is that you can hear screams from this area at night. Also, many people believe that the statues here are real human beings covered in wax. Further, the local people call it one of the doors of hell.  Even if you are not up for its haunted story, you can visit this site to see the 1000 statues and dioramas. These structures are the best displays of Asian craftsmanship. Further, the stories of 10 hells presented here are the fusion of various Oriental beliefs and philosophies like Hinduism, Taoism, and Buddhism.  Haw Par Villa, or the ten courts of hell, are “the result of the mixing of four different religions and philosophies: Buddhism, Taoism, Hinduism, Confucianism.”Eisen Teo, the chief curator of Hell’s Museum Fort Siloso Fort Siloso gets its name from the Malayan word Siloso, meaning rock. It is the only coastal fort in Singapore and has played a significant role in the country’s defense. This fort has an on-site military museum filled with the memorabilia of World War II.  The most striking elements of the museum are tunnels, fortified military structures, interactive video documentaries, and wax figures. The wax statues at the Surrender Chambers depict British and Japanese soldiers.  Reflections At Bukit Chandu https://www.instagram.com/p/CgB2RnvOoDU/ Reflections At Bukit Chandu is an interpretative center for dark tourism in Singapore for educational and historical purposes.  Today, the Reflections at Bukit Chandu tell the tales of the Battle of Pasir Panjang in 1942. The Battle Point 226 here is a testament to how the Malay Regiment stood against the Japanese troops.  Malay Regiment began its journey only with a recruit of 25 people in 1933. Within 10 years, this “experimental company” was strong enough to combat the Imperial Japanese forces.  The Japanese killed a hundred men from the Malay Regiment, and a few more were butchered as they refused to take off their uniforms during the surrender of Singapore.  Reflections At Bukit Chandu commemorates and presents the sacrifice of the men in the Malay Regiment as they lived up to the “Ta'at Setia,” or “Faithful and true” motto.  You must explore the following collectibles at Reflections At Bukit Chandu. British .303-inch projectiles The entrenching set of the British Army Personal kit used by the British Army Bronze bust of Lieutenant Adnan Saidi Marseille roof tile Sculpture depicting the Malay Regiment You will find many publications on World War II at the visitor shop here. Moreover, don’t forget to read the poetry by Edwin Thumboo and Noorhaqmal Mohamed Noor to reflect upon the bravery of the Malay Regiment.  That’s it! Enjoy dark tourism in Singapore and explore various aspects of the country’s history. These places are beyond local or national importance as they are testaments to World War II, triggering human tragedy all over the world.  After you are done with your dark tourism in terest in Singapore, it is time for you to check some other opportunities at that place. For instance, consider tax consultancy services for all your tax requirements on a business trip in Singapore. Also read Top 10 Most Popular Paraguay Food That You Must Try. Top 13 Famous Wonders Of India That You Must Visit! [Updated 2024]