FAQ About Staying Safe With Holiday Royal Vacation Club

BY  Sibashree Sep 27, 2024

Imagine gliding through emerald waters, surrounded by towering limestone karsts and lush greenery, as the gentle breeze whispers tales of adventure. Welcome to Lan Ha Bay, a hidden gem in Vietnam that promises an unforgettable trip. Not just that, but if you want to visit the place for business purpose and open a branch there you need some expert assistance. However, for now, let’s just focus on the focusing on Lan Ha Bay and what is has to offer. But what truly sets this destination apart are the unique cruises that offer a blend of luxury, culture, and thrill. In this article, we’ll dive into the four most interesting cruises you must try during your exciting trip to Lan Ha Bay. Most Interesting Cruises At Lan Ha Bay With its pristine and peaceful landscapes, including islands, caves, and forests, Lan Ha is not only an ideal destination for relaxation but also a great choice for exciting trips. To fully explore this bay, let’s look through the five most interesting cruises below! Capella Cruise (from US $213/pax) Capella Cruise is the only 5-star Lan Ha Bay cruise featuring interesting facilities like a Water Slide and Cigar/ Poker Club with many entertaining board games. Tourists will experience privileged services only on this ship, particularly personalized service. This includes everything from private dinners to speed boats and an exclusive deck for meetings with various opulent facilities.  Capella Halong Bay Cruise has excellent customer satisfaction rates (9.6/10) and good reviews. The cruise ship has a variety of amenities that meet the demand of passengers onboard; the most prominent ones are a fitness center, mini golf, and bar & karaoke.  Besides kayaking and swimming in beautiful attractions in Lan Ha Bay, there are many exceptional activities, such as enjoying the thrill of sliding into the water of the Ao Ech Area. In addition, you will get plenty of opportunities to enjoy the picturesque scenery and rocky Karst mountains and learn to make traditional Vietnamese food in the cooking class.  Capella Cruise offers top-notch service and full itineraries (2-day to 4-day) in Lan Ha Bay. Heritage Binh Chuan Cruise (from US $186/pax) If you seek a tour that harmoniously combines the beauty of Vietnamese history, cuisine, and culture while exploring Lan Ha Bay, Heritage Cruises Binh Chuan is a perfect choice. It provides most lavish cruise experience while sailing from Lan Ha Bay to Cat Ba Island. The cruise exclusively offers artisanal boutique products along with an impressive art gallery and a culinary adventure with a royal-themed dinner. Alongside exploring famous destinations such as Dark & Bright Cave and Viet Hai Village, you can use many services and activities to entertain while staying on the ship, such as reading in the library, practicing Vietnamese martial arts in the Vovinam Class, squid fishing, seeing the art gallery, etc. Boasting Vietnamese traditional aesthetics, Heritage Cruise is a top choice for culture vultures. Le Theatre Cruise (from US $162/pax) Le Theatre Cruise Halong Bay can be an ideal option for discerning travelers who are looking for a new adventure but with an elegant experience. Only on this cruise can tourists exclusively explore a unique itinerary while sailing from Lan Ha Bay towards Cat Ba Island. Each cabin on the ship is furnished with modern facilities and a contemporary style. During the journey, you will participate in fantastic activities such as kayaking or swimming in Ao Ech Area, the most beautiful area in Halong Bay, and cycle around Viet Hai Village village, an ancient fishing village.  Additionally, the cruise also offers a wide range of services that make your vacation more exhilarating.  Some of the most interesting ones include squid fishing with guidance from the coach, a Tai Chi class, and a cooking demonstration class where you can prepare traditional Vietnamese dishes. Le Theatre Cruise provides a vibe of modern simplicity on Lan Ha Bay. Emperor Cruise (from US $264/pax) This is a small cruise ship that provides a truly all-inclusive cruising experience. Inspired by Emperor Bao Dai and his lavish lifestyle, Emperor Cruise offers you a royal-like experience with exquisite cuisine, and available butler service during your overnight cruise in Halong Bay.  Moreover, The ship only has 10 high-class cabins with aristocratic decor inspired by royal style.  Spending your trip on the Emperor Cruise will definitely give you a memorable experience with thrilling activities.  This includes exploring Me Cung Cave, which is a magnificent complex cave with stalactites and stalagmites in Halong Bay, and kayaking/ swimming in Ba Trai Dao, the most stunning beach in Lan Ha Bay. Moreover, you can also try Vietnamese martial arts in the Vovinam class, which starts in the morning on the sundeck. Emperor offers distinctive itineraries to explore Halong and Lan Ha Bay on a 3d2n cruise. How To Pack For a Cruise Vacation: Tips and Advice Packing for a cruise vacation can be both exciting and a bit challenging, but with the right tips, you'll be ready for smooth sailing! Here are some handy tips and advice to help you pack efficiently: Know Your Itinerary  You need to research the destinations of your cruise very well. Also, check the weather and activities at each port of call to pack appropriate clothing and gear. In addition, you should go through the list of excursions and Activities being offered onboard. Accordingly, plan outfits for excursions, formal dinners, and onboard activities. Pack Smartly  When packing for a cruise vacation, layering is Key. Bring light layers to adapt to varying temperatures on the ship and at different destinations. Most cruises have formal nights, so pack a couple of dressy outfits along with casual wear. Most importantly, don’t forget swimsuits, cover-ups, and flip-flops for poolside lounging. Pack Essential Items First  When packing for your cruise vacation, keep your essential items like your passport, cruise tickets, and any necessary visas handy. While most cruise ships have medical centers, it is better to bring enough prescription medications and pack a small first-aid kit. What’s more, sunscreen, sunglasses, and a hat are essential for sunny days on deck. Here are some more tips on how to pack for a cruise vacation. Laundry Options: Check if the cruise offers laundry services or pack some detergent for hand-washing.  Roll Your Clothes: Rolling clothes instead of folding can save space and reduce wrinkles.  Packing Cubes: Use packing cubes to organize and compress your items.  Multi-use Items: Choose items that can serve multiple purposes, like a sarong that can be used as a scarf, beach cover-up, or blanket. Lan Ha Bay possesses many stunning and offbeat tourist attractions that are waiting for travel lovers to explore. If you are looking for the most interesting cruise options in Lan Ha Bay, please contact BestPrice Travel - a local expert and a reputable service provider with the most choices available. 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.

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 Sep 17, 2025

Flight disruptions can be stressful, especially when your travel plans involve multiple connections. If you’re traveling within, to, or from Europe, you may be entitled to Cancelled Flight Compensation under EU Regulation 261/2004.  This regulation ensures that passengers receive financial protection when flights are cancelled, delayed, or overbooked, including scenarios involving connecting flights. Understanding your rights can help you claim compensation effectively and reduce travel-related stress. Understanding EU Regulation 261/2004 For Flight Cancellation Compensation Issued on 11th February 2004 and implemented on 17th February 2025, EU Regulation 261/2004 has clear directives about the flight cancellation compensation rights.  Furthermore, this regulation is applicable to the following airline services.  Flights departing from an EU airport, regardless of the airline. Flights arriving at an EU airport operated by an EU-based airline. This regulation ensures passengers are entitled to compensation if flights are cancelled without adequate notice or rerouting options. The amount of compensation generally depends on the flight distance and the delay caused by the cancellation. Eligibility For Cancelled Flight Compensation On Connecting Flights Have a look at the table below to understand the complex compensation norms for connecting flights. Eligibility CriteriaDetails Single Booking Requirement• Applicable when all flights are booked on a single ticket.• Separate bookings may reduce your rights. Arrival Delays• You can get the compensation if the cancellation leads to a delay of 3 hours or more to reach your final destination. Airline ResponsibilityIf the cancellation happens due to• Technical Problems• Staffing Issues Key Passenger Rights To Know Passengers affected by a cancelled connecting flight are entitled to: Reimbursement of the ticket cost or rerouting to the final destination. Meals, refreshments, and accommodation if delays require overnight stays. Compensation ranging from €250 to €600, depending on the flight distance and delay duration. Moreover, you seek help from platforms such as Skycop to simplify your flight cancellation compensation claims.  Am I Eligible For Flight Cancellation Compensation Under Extraordinary Circumstances? No, you are not eligible to get flight cancellation compensation from your airline under extraordinary situations. Here, the extraordinary circumstances refer to situations that are beyond the grasp of the airline authorities.  1. Extreme Weather Conditions And Natural Disasters  For example, if the weather conditions worsen or there is a sudden natural disaster like a typhoon, a tsunami, or tornadoes, any airline will not be able to offer service. In some cases, these natural disasters can completely ruin the infrastructure of the airports.  2. Global Pandemic And Safety Issues Similarly, we have also passed through the COVID-19 stage. If there is any pandemic of this scale, the airline services will be automatically shut down.  This is another thing that is beyond the control of an airline service.  3. Political Unrest And Air Traffic Control  Every other day, there is some news of a country fighting with another. From the Russian invasion of Ukraine to the Israel-Palestine conflict and the Pakistani terrorist attacks on India, the world has become a war-ridden place in the last few years.  Air traffic control is common in these scenarios and these political situations, making air traffic control stronger can cause delays and cancellations of connecting flights.  4. Hijacking And Terrorism  Terrorism and hijacking are extreme conditions under which a flight can be cancelled. This is a humanitarian crisis and of course, you cannot hold your airline responsible for these heinous acts.  Having said that, extraordinary situations do not mean that you will not get any help from the airline. The airline will assist you by rerouting your journey by arranging another flight or any other suitable mode of transportation.  Moreover, if you decide not to travel due to the delay or cancellation of a flight, the airline must provide you with a refund.  Will I Get Compensation From My Airline If I Get Late At Work? Your flight is delayed and cancelled, and you are supposed to join a new company or resume office after a break. You can hold the airline responsible for the same, but the compensation scenario is not so easy.  Let me explain! The airline will, of course, offer you a refund or compensation for the flight delay or cancellation according to the EU Regulation 261/2004. However, you will not get any compensation for the loss of pay.  Practically, there is no legal protection or measure to demand compensation for the loss of pay. It is your duty to negotiate with the employer and check whether you can manage a paid leave or a leave without pay.  For the new joinees, you can always convince the HR by explaining your situation and requesting to defer your joining date.  Are Technical Problems Of A Flight An Extraordinary Situation? No, according to the Court of Justice of the European Union, a flight delay or cancellation caused by technical problems does not fall under extraordinary circumstances. So, you are eligible for compensation for a cancelled flight under these scenarios.  However, if there is a manufacturing defect and your airline identifies and cancels your flight, you cannot hold them responsible for a delay or cancellation. However, even in these scenarios, your airline will have to pay a refund for your ticket or arrange an alternative flight or any other mode of transportation.  Know Your Flight Cancellation Compensation Rights And Make Claims  So, before boarding a flight or even before booking one, you must be aware of your rights. This is crucial, as often, despite valid claims, the airline companies procrastinate and they assure you to revert within a specific time, but they never do.  Furthermore, many airlines look for unofficial settlements, convincing you to receive compensation that is less than the provisions in the 261/2004 regulations.  So, if there is a flight delay or cancellation, follow this step-by-step guide to make your claim.  Contact the Airline• Inform them about the delay or cancellation.• Discuss options such as rerouting, refunds, and compensationDetermining the Final Arrival Time• Assess the hours of delay you are facing due to the flight cancellation. • Your compensation will depend on the hours of delay you are facing in reaching your destination. Making a Claim• Finally, it’s time to submit your claim.  Read Also: How To Enjoy Your Journey After You Book Flight Tickets From Canada To India? How Can You Avoid Travel Stress? Is Travel Anxiety Normal? A First-Hand Experience Of Taking A Red Eye Flight!