Is Costa Rica Safe for Traveling? Costa Rica Safety Guide

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 May 1, 2024

Many of the countries in South America are popular for their exquisite and varied cuisine. However, the practices of Paraguay food are not known to many. The Paraguayan Cuisine has been influenced by the local indigenous tribe’s culinary traditions and practices brought by immigrants from Spain, Italy, and Portugal. Being a foodie myself, I love traveling around the world to have a taste of every new variety of food that the world has to offer. Visiting remote areas, meeting with new people, and trying out their traditional dishes is what I have always loved! I was also in your shoes when I first landed in Paraguay, a bit startled and confused. Although, as I began to explore, my first meal at a fancy restaurant in Asuncion changed my entire perception of the state.  Tid-Bits About Paraguay Food Classic Paraguay food includes some of the most exclusive dishes that are bound to beat any of the Peruvian or Argentine preparations. Traditional culinary elements in Paraguay food recipes consist of meat, maize, vegetables, manioc, cheese, fish, milk, and even fruits.  ‘Asado’ is a local term used for barbecue, which is referred to as both a cooking practice and a social event. In Paraguay, barbecuing is the most important mode of cooking their traditional Paraguayan food dishes.  Here in this article, I will elucidate the best dishes and popular foods in Paraguay that you must try in Paraguay this year. The Paraguay famous foods excite your taste buds and have an experience like never before.  1. Kivevé You will be stuck in a dilemma whether to count this as a main course or a dessert. Kieve is the most popular and loved Paraguay food. It is a vegetarian dish that is cooked out of andai (a type of juicy pumpkin), cornmeal, Paraguayan cheese, milk, and sugar. Kieve is a typical food in Paraguay. It has a very creamy and light texture and is orangish in color. This rich-flavored delicacy is served lukewarm and is often consumed as a side dish or even main meal, at breakfasts, and as an evening snack. 2. Chipa Considered a staple Paraguay food, Chipa is a simple bread roll that was invented by the local indigenous people in the 18th century. It is a bun that is made out of manioc or cassava flour, lard, and anise, and beaten eggs and cheese. There are different versions of Chipa available, varying over the regional influences. The bread has a very crunchy crust due to the addition of lard. The crumb is soft and has a unique flavor. It is prepared and consumed by every household in the state.  3. Bori Bori Bori-Bori (Vori-Vori) is a nutritious and flavorful thick soup that is prepared out of vegetables such as carrots, celery, onions. It is filled with meat (chicken or beef) and dumplings of cornmeal plus cheese. The prime flavoring ingredients in this soup are bay leaves, cloves, and parsley. The addition of saffron to this hearty broth makes it even more flavorful and rich golden in color. It must be served piping hot, garnished with some parsley and Paraguayan cheese on the side. It is especially popular during the winters.  4. Sopa Paraguaya This specialty is not what it sounds like. Even though SOPA translates to soup in the local language, it is not at all in the vicinity of any soupy preparations. It is the national dish of Paraguay, which resembles a cakey thick bread.  It is crafted out of cornflour, cheese, milk, and eggs. The flavor is inculcated through the use of onions and pork fat. It is usually baked and is often termed solid soup. It has a soft and crumbly texture and is served on special occasions as a side dish.  5. Mbeju Mbeju, when translated to the local Guarani language, means cake. It is a very simple and staple Paraguay food. It is a kind of starchy pancake that is prepared with cassava flour, salt, oil, milk, eggs, crumbled cheese, and even pork fat. The dough is kneaded well and rolled out thickly like a pancake. It is then fried in hot oil. It is usually consumed during breakfast, sometimes dinner, alongside a bitter herbal tea or coffee.  6. Soyo This is another popular Paraguay food, which is a thick unpassed soup. It is made with beef grounded in a mortar, rice, and vegetables, including green peppers, onions, and tomatoes. Soyo is another good example of Paraguay’s famous food.  The dish is flavored with garlic, parsley, oregano, salt, and pepper. The name is derived from the native Guarani phrase so’o josopy, meaning crushed meat. A whole bowl of soyo can be considered as a complete meal and has a high calorific value. Also Read: Unmissable Attractions In Surabaya 7. Tereré Since the climate in Paraguay tends to grow hotter every summer, Terere acts as a relief to many. It is a cold-brewed herbal tea that is bitter in taste and is commonly known as yerba mate.  Terere is one of the essential elements of export, and the natives can be seen carrying around a thermos flask, guampa (a spherical mug), and bombilla (a silver straw) everywhere they go. It is a very healthy and refreshing drink and has high caffeine content. 8. Dulce de Mamon Here comes our most awaited syrupy sweet dessert in the list of top Paraguay food you must try! Dulce de Mamon is one of the oldest and most traditional preparations of Paraguay, which has only two major ingredients. It is cooked by boiling small cut wedges of papaya in sugar syrup. The mixture is simmered for almost 2 hours in order for the papaya to achieve a soft texture. You can even add some cloves, lemon zest, and a little orange juice to enhance the flavors.  Also Read: 3 Intriguing Reasons To Cruise In Alaska 9. Pira Caldo Another most favored Paraguay food includes Pira Caldo. It is basically a light fish stew made with freshwater catches such as surubi, mandi’y, and tare’y. I have never in my life tasted such meaty textured fishes with a tinge of saltiness in them. Initially, vegetables such as onions, tomatoes, leeks, celery, bell peppers, and carrots are fried in pork or beef fat and are cooked with other spices. It is then combined with milk and soft white cheese to improve the thickness and flavor. 10. Bife Koygua Bife Koygua, or hidden steak as it is known, is another popular Paraguay food that is a must-try.  It is a heavy preparation in which the beef steaks are covered with onions and tomatoes. Hence the name. According to the local language, bife means beef, and koygua means shy or hidden. The recipe calls for the steak to be pounded first with spices, then fried with onions and topped with tomatoes. Towards the end, an egg or two is added at the top, and the dish is garnished with parsley. Puchero Paraguayo Recipe The Paraguayan version of a traditional meat stew is called Puchero paraguayo. This stew has its origins in Spain and is now prepared in several countries throughout South America and the Philippines. The name of the stew, Puchero, comes from the Spanish word meaning "stewpot". Course: Main Course Cuisine: Latin American, Paraguayan Servings: 4 people Author: Nita Ragoonanan Ingredients 1½ lb beef (skirt or flank steak, cut into pieces) 3 cloves garlic, cut in half 1 onion, chopped 1 green bell pepper, diced 2 carrots 10 oz. pumpkin, cubed 2 potatoes, cubed ½ cup rice 6 tablespoons olive oil Salt Pepper Equipment Pressure cooker Instructions To start, get a large pot and fill it with 10 cups (2.5L) of water. Add in some onions, carrots, and bell peppers, and bring it to a boil. Let it simmer for 15 minutes and season it with salt and pepper to your liking. Set it aside. Next, heat some olive oil in a pressure cooker and add in some garlic and meat. Saute over high heat while stirring constantly until the meat is browned. Pour in the reserved broth and vegetables and close the pressure cooker. Cook for 45 minutes on medium-low heat. While waiting, rinse the rice. After 45 minutes, open the pressure cooker and add in the rice, potatoes, and pumpkin. Close the pressure cooker again and continue cooking for 15 minutes. Frequently Asked Questions!!! (FAQs): Q1. What Is The Traditional Dessert In Paraguay? Ans: Mazamorra also known as Kaguyjy is one of the most popular traditional deserts in Paraguay. it is made of corn and sugar, mixed with honey or milk. Ka'i Ladrillo is a candy made of peanuts and molasses. Q2. What Is Paraguay's National Dish? Ans: Sopa Paraguaya is the national dish of Paraguay. it is similar to cornbread and made up of corn flour, pig fat, or butter, with cheese and milk. it is very spongy and is rich in calories and protein. Q3. What Is The National Drink Of Paraguay? Ans: Yerba mate tea is prepared with cold water. different variations of terre can be found in Brazil and Argentina. Its birthplace is Paraguay. Final Thoughts These are some of the most exotic preparations from Paraguay that made their way into my Top 10 list. Thanks to those Guarani friends that I had over there who guided me through to the best of their culinary traditions. And if you are hesitating about visiting this place, trust me, the experience is worthwhile. It is not only about their food but also their culture, traditions, and heritage. This beautiful country deserves all the appreciation in the world. You May Also Like:  Top 7 Places To Visit For An Asian Solo Traveler Top 7 Nantucket Beaches For Tourists In Massachusetts 10 Things To Do In Bogota – You Must Know Before Going

BY  Sibashree Dec 11, 2024

The art and cultural landscape of Denver is thriving. Also, there are many free and fun activities in Denver for adults willing to know about the culture of this Colorado City.  Further, if you are in Denver in winter, exploring the wildlife will be the best for traveling on a shoestring. Especially during the winter months (November to April) you will get to see many birds. Hundreds of migratory birds visit this part of the world in this season. The most popular species among them are finches, woodpeckers, siskins, and jays.  However, you can begin the cultural activities in Denver for adults with a free walk and gazing at the festive winter lights. Also, in winter, there are some seasonal events that you can attend for free.  So, at Tour and Travel, we have curated some free and fun activities in Denver for adults this winter. Let’s have a look. Cultural Fun Activities In Denver For Adults | Try These Things For Free Art and culture have always been crucial for the tourism landscape of Denver. In 2022, these registered an economic activity of $2.6 billion in the Denver metro area.  Further, with destination marketing organizations (DMOs) like Visit Denver, the landscape is only going to improve. The result is already clear, with the tourism revenue in Denver reaching $10.3 billion in 2023.  Being a budget-friendly destination of course, helps in this tourism boost after the Covid-19 scenario. In fact, Denver is more budget-friendly as a travel destination compared to other metros in the Rocky Mountains. So, no wonder many fun activities in Denver for adults are free and budget-friendly. And these activities even include visits to the popular museums of the city. So, let’s mark the dates now. 1. Visit The Denver Museum of Nature & Science Address: 2001 Colorado Blvd, Denver Phone Number: +1 303-370-6000 Visit for Free: 8th December, 18th November, etc.  Currently, the Denver Museum of Nature & Science has programs like “The Power of Poison,” and “Animals of the Rain Forest.” Further, the museum has permanent exhibits like gems and minerals, Egyptian mummies, prehistoric journeys, and the Space Odyssey. Further, the dioramas at the Wildlife Halls are fascinating. Moreover, the museum has the only “Konovalenko gem sculptures on public display outside of Moscow.” So, if you are interested in Russian folklife, a visit to the museum will be great for you.  2. Visit The Museum of Contemporary Art https://www.instagram.com/p/DDINAi_sA0N/?img_index=1 Address: 1485 Delgany St, Denver, CO 80202, USA Contact Number: +1 303-298-7554 Visit for Free: Penny Saturdays or the First Saturday of Every Month Though not completely free, a visit to the Museum of Contemporary Art is one of the most fun activities in Denver for adults. You just need to pay one penny to enter the museum on those Saturdays. However, entry is free for children and young adults up to 18 years.  The Museum of Contemporary Art is a wonderful place to find a fusion of Denver’s cultural tradition and the works of contemporary artists. Further, VR Art is one of the main attractions of this museum, making the experience more interactive for visitors.  Moreover, the museum keeps hosting world-class exhibitions for people across all age groups. The ongoing and upcoming events to attend at this museum are: Brendan Fernandes: Within Seeing (26th October to 8th December 2024) Ronny Quevedo: at the line (7th-8th December 2024) Black Sheep Fridays: XXX-Themed Holiday Craft Making (13th December, 2024) Siren (20th December 2024) Laura Shill: Working On Myself (6th October 2024 to 19th January 2025) 3. Skating At Downtown Denver Rink https://www.instagram.com/p/CzuXXCZOa39/ Date: 21st November 2024 to 2nd February 2025 Venue: Skyline Park, 1601 Arapahoe St, Denver The Downtown Denver Rink once again has become a winter wonderland. Skating, one of the most adventurous fun activities in Denver for adults, is free here. You can even take skating essentials on rent here. Hours of operation are different on each day of the week. For example, from Monday to Saturday, the Downtown Denver Rink will remain open between 10 AM to 10 PM from 24th December 2024 to 5th January 2025.  However, on Sundays, the hours of operation will be 11 AM to 6 PM. Further, the timing will change from 6th January to 2nd February 2025. Then, the timing will be: Monday to Thursday: 1 AM to 5 PM Friday to Saturday: 1 AM to 10 PM Sunday: 11 AM to 6 PM Do You Know?Are you a Swiftie? Come visit the Downtown Denver Rink for free on 13th December 2024. You can enjoy skating here while singing “Happy Birthday to You” to the “Mother” along with fellow Swifties.Further, 24th January will be a fun day at Downtown Denver Rink if you are a Disco fan. With a pumping heart, you can enjoy skating here while listening to the hits of the 70s and 80s.  4. Be A Part of The Light the Lights https://www.instagram.com/p/C1SD1j0OB4l/ Date: November 27, 2024 - January 26, 2025 Venue: Civic Center Park, 101 W. 14th Avenue, Denver See Denver shining bright with festive light by being a part of the Light the Lights. Except Monday, this show will take place between 5:45 to 6:45 PM. Further, there will be no show on 7th and 21st December.  Light the Lights is a well-choreographed music and light show spanning around 8 minutes. However, the City and County Building will remain lit with static lights up to 10: 45 PM.  Being one of the most fun activities in Denver for adults, Light the Lights is also popular among kids.  5. Attend The Mile High Holidays Drone Show https://www.instagram.com/p/DDH3LdMxRzQ/ 2024 Date: 22nd November to 31st December Venues: Sculpture Park at the Denver Performing Arts Complex, Ball Arena, etc. The Mile High Drone Show is one of the major draws for the festive season in Denver. It amazes with animations and festive visuals.  Further, this 15-minute spectacle depicts the Denver Union Station, Mile High Tree, and other iconic landmarks of the city.  The Mile High Holidays Drone Show also has some special displays on days like the 25th and 31st of December. This year, the special performance on the 25th will begin at 7 PM, and on the 31st, the show will start at 5:30 PM.  So, it’s time for you to see the Denver sky come alive with the Mile High Holidays Drone Show for free.  Also read Unique Things To Do In Tulsa: Into The Land Of Art Deco Architecture. Things to Do in Greenville, SC For Adults: Paranormal Walk And Food Tourism. Free And Cheap Things To Do In Phoenix, Arizona | Phoenix Travel Guide On A Shoestring.