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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 Dec 17, 2024

For someone fed on Hollywood staples, a visit to Los Angeles can be the biggest calling. Visiting Universal Studios Hollywood or hiking to the Hollywood sign are some of the best things to do in LA for a movie buff. Further, Los Angeles has been a tourism hub since the late 1800s. With the foundation of the Merced Theatre and transportation systems, the city started attracting travelers. It is fascinating to see the city maintain the same craze in the age of socials. Today, you type #losangeles and will find 86.8 million posts popping up. So, I have been thinking of sharing a to-do list in the city for the longest time. On the web, there are even threads like once in a lifetime things to do in Los Angeles Reddit! 😮😮😮😮 So, we could not stay behind, and here goes the brief guide, mentioning the things you can explore for a lifetime experience.  At Tour and Travel, we wanted it to be different than the regular “12 once in a lifetime things to do in Los Angeles by a local” or “once in a lifetime things to do in Los Angeles 2025” guides.  We wanted to keep it all hearts as the Hollywood movies have taught us!  Things To Do In LA For Once In A Lifetime Experience | Make The Movie Buff In You Happy  Los Angeles is the “Entertainment Capital of the World.” It is the Mecca of movie lovers, with names like Al Pacino, Clint Eastwood, and Marilyn Monroe gracing the city and its corners.  In other words, “Hollywood” is the biggest draw for the visitors to this city. So, among the things to do in LA for a once-in-a-lifetime experience, I have included activities like hiking to the Hollywood sign or walking along the Hollywood Walk Of Fame.  1. Hike To The Hollywood Sign | Once In A Lifetime Things To Do In Los Angeles Are you up for a scenic hike? You can take a walk to the Hollywood sign. Throughout the hike, you will enjoy a breathtaking view of Los Angeles.   Further, once you reach the Hollywood sign, you can take the most beautiful photos of yourself or the surroundings.  Completing a hike to the Hollywood sign and taking some photographs, there is something preserved for posterity. You can share the memories with your future generations.  Hiking to the Hollywood Sign or Mount Hollywood through the Charlie Turner Trailhead is easy. You can cover a distance of 5.3 miles here within 2 hours and 30 minutes.  2. Visit The Universal Studios Hollywood Address: 100 Universal City Plaza, Universal City Contact No: +1 800-864-8377 Open Hours: 9 AM to 7 PM, Weekends: 8 AM to 10 PM For all the Potter Heads and Minion lovers, a visit to Universal Studios Hollywood will be an immersive experience. Here, you can enjoy thrilling g rides and explore the sets of many famous movies.  If you are about to visit Universal Studios Hollywood this winter, you must not miss the Holidays at Universal Studios Hollywood. The event has already started on 29th November 2024 and will continue till 6th January 2025. You can even be a part of the Ring in the New Year with EVE. It is the biggest New Year celebration in Hollywood.  Moreover, Universal Studios Hollywood has year-round attractions like “Jurassic World - The Ride,” “The Secret Life of Pets: Off the Leash, etc. So, a visit to Universal Studios Hollywood is one of the topmost once in a lifetime things to do in Los Angeles with kids. 3. Enjoy A Stroll Along The Hollywood Walk Of Fame A walk along Hollywood Boulevard is one of the best things to do in LA for once in a lifetime. You will find golden stars dedicated to your favorite star on the Hollywood Walk of Fame. Moreover, you will feel the glamor of Tinseltown. Despite names like Julia Roberts, Leonardo DiCaprio, Madonna, and Clint Eastwood refusing to have a star on the Hollywood Walk of Fame, it remains a landmark of intrigue and awe in Los Angeles.  4. Spend Some Time At Venice Beach You can visit Los Angeles and, for the most relaxing time, head to Venice Beach. However, if soaking in the Sun is not the only thing you want, you can try a rollerblade or bike ride along the beach. Further, you will find various street performers and unique shops on the beach. The vibrant atmosphere here makes it feature on our list of “once in a lifetime things to do Los Angeles.” Moreover, Venice Beach has a skatepark where the best skaters in the area show their skills amidst the cheering of the onlookers.  5. Visit The Griffith Observatory Address: 2800 E Observatory Road, Los Angeles Contact No: +1 213-473-0800 Hours Open: Tuesday - Friday (12-10 PM), Saturday and Sunday (10 AM to 10 PM), Monday - Closed Are you an observer of the sky? Are you passionate about celestial bodies? Exploring the Griffith Observatory is one of the best things to do in LA for a once-in-a-lifetime experience. Irrespective of your day of visit, you can be a part of the daily programs at the Samuel Oschin Planetarium. There will be live shows and live demonstrations of the Tesla Coil.  Moreover, there is a public telescope for you to look at the sky.  The Griffith Observatory in Griffith Park is located on the southern slope of Mount Hollywood. You can hike to the park or enjoy a bike ride to this famous California hotspot.  Furthermore, if you are traveling with family, you can take a drive or shared ride. Be an early bird if you want a spot for your car at Downhill. You can even keep your car at the paid parking near the observatory.  6. Take A Helicopter Tour Of The City https://www.instagram.com/p/BvsIGM9hQmj/ Do you want to explore a bird’s eye view of Los Angeles? You can take a helicopter tour of the city. While taking a helicopter tour, you can explore the famous coastlines and hotspots of California. Also, the cityscape looks amazing from the helicopter. A helicopter tour of Los Angeles will be around 1.5 hours, and it’s going to cost you something between $220-520 for each person.  7. Take A Tour Of The Huntington Library, Art Museum, and Botanical Gardens https://www.instagram.com/p/C5q5d_Ur2_-/?img_index=1 Address: 1151 Oxford Road, San Marino Phone Number: +1 626-405-2100 Hours Open: 10 AM to 5 PM (Closed on Tuesdays) The Huntington Library, Art Museum, and Botanical Gardens is the best amalgamation of all three elements mentioned in the name.  It is an excellent place for researchers as they can explore as many as 12 million exhibits here. Further, these exhibits span between the 11th to 21st centuries.  Further, the Art Museum bustles with 45000 works of art and has the best British, European, American and Asian work.  Along with sculptures, the Art Museum also has paintings, photographs, decorative arts, and prints.   Moreover, the Botanical Garden stretches over 130 acres, and it has more than 80000 living plants. Some of these are even endangered. So, if you are a nature lover or interested in plants, a visit to this Botanical Garden will be one of the once in a lifetime things to do in Los Angeles this weekend.  8. Drive At The Christmas Tree Lane https://www.instagram.com/p/C1vuavPuOuf/?hl=en If you are in Dallas in December or January, a drive at the Christmas Tree Lane is one of the most festive things you can do.  The festive lights go on at the Christmas Tree Lane from 7th December after an illumination ceremony. The lights remain put till New Year’s Eve. And guess what! A drive at the Christmas Tree Lane is one of the free once in a lifetime things to do in Los Angeles. Taking a drive through Christmas Tree Lane or Santa Rosa Ave feels great, with the cedars gracing the road lines.  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  sagnika Mar 30, 2024

Do you know how far Houston is from Austin? Are you planning to make a trip to Houston? Do you know how Austin is also an interesting place to visit? I am here to enlighten you about the distance between the two cities, Austin and Houston.  The two transportation methods you can use to travel to and fro from Austin and Houston are flights and road trips. I will share with you the information that will help you decide when to make the trip and where to visit.  I will share information about how you can plan and design your itinerary when you visit Houston from Austin and vice versa. If you read this blog, you will learn about the total travel time. Therefore, let's start reading about these places along with how to travel, where to visit, and how you should plan.  How Far is Austin from Houston? And Why You Should Visit Both!  When visiting Houston from Austin, a nonstop drive will take about 165 miles or 266 km. If you want to know how long it will take to drive and reach Houston, the time is 2 hours 32 minutes.   However, it is only possible to constantly drive from one location to another by taking a break. If you take stops while traveling, it will take more time to reach. Let us learn how to travel from Houston to Austin via flight.  I will also share what it will take if you plan a road trip from Houston to Austin. Furthermore, you will learn why these places are unique and interesting. I will share the highlights of Austin and Houston, which make them beautiful places to visit.  Houston To Austin By Flight  When you travel from Houston to Austin by flight, you cover 146 miles, while the flight time is 30 minutes. The flight distance across 236 km is 1/4th compared to when you drive.  A very short flight, especially if you take a private plane, but if you take a corporate plane, it will take time. Considering you must take local transportation, taxi, and plane boarding, you will spend more time based on realistic calculations.  Austin To Houston Road Trip  If you plan to take a road trip from Austin to Houston, you must drive for at least 4 hours! It is a full-day trip so you can plan the interesting places you will try in these two cities. You can decide on the itinerary and the important areas you want to visit.  Let us get into the plan so that you can decide where you can stop. For example, you can plan where to stop, watch the performances, and experience adventures. You can check out Hotel San Jose to have delicious food when you are on a road trip!  Of course, there is also Franklin's BBQ in Austin, and if you are an old customer, I am sure you can relate to it.  Why Should You Visit Austin?  One of the most interesting and unique places, Austin, is a great place to visit because it gives you a feel of the local culture. Their food, people, places, and culture are authentic.   There are over 50 breweries where you can drink craft beer, visit local music festivals, and go for adventures like kayaking! Let us delve deeper into knowing more about the places to go and why!  History  It is an interactive history where you visit Austin, with several historical attractions such as the French legation, Texas State Capitol, and others.   There are also several museums in Austin, namely the Bob Bullock Texas State History Museum, the Blanton Museum of Art, the LBJ Presidential Library, and others.  Yummilicious Food And Craft Beer  There are more than 400 restaurants that serve delicious food with cold beer. You can choose any food, from taco joints to steakhouses. Tacos are quite famous in Austin, as people usually prefer them.  If you are more of a gourmet person, you will get that, or if you like street food, there are several street vendors. Keep exploring food trucks, which are quite popular!  The Live Music  Many people in Austin are music enthusiasts, so several live music performances are hosted in the city. Of course, live music is organized in several concert halls and fields. You can see many famous musicians performing in these places!  You can visit festivals and attend movie screenings, thus celebrating rockabilly culture and food trucks, which are an integral part of the party. Even local artists perform regularly at these events.  Outdoor Adventures  Visiting Austin is very easy as the flights are quite cheap! You can visit Austin, where several popular parks exist, such as Lady Bird Lake, Barton Springs Pool, and Zilker Park. If you love hiking, trail walking, or cycling, this is the perfect place to visit.  The Texas Hill Country Wine Trail and Barton Creek Greenbelt are two of the most popular trails in Austin. Several private and public golf courses are beautiful and dangerous; hence, they will be challenging.   Why Should You Visit Houston?  Why should you visit Houston? For one, Beyonce was born and raised in Houston, paying homage to Queen B! Read about the different reasons why Houston is a damn good place to visit. You can have a hell of an experience, from restaurants to space research centers.  If you love adventures and experiencing adventures, food, and culture, here I am with suggestions. You should take advantage of the experience because it will help you develop.   Diverse Food Culture  Houston's food scene is quite diverse, as more than 10000 restaurants serve food from 70 countries. You can get various foods in Houston, such as Ethiopian, Lebanese, Peruvian, Vietnamese, etc,   Of course, Houston is known for the crawfish season, which shows the Cajun influence! There are also burger joints in several fast food joints. The place's culture is quite diverse as there is an edge in the bustling city!  Drinking is accepted and encouraged in Houston. Houstonians entertain the drink, margarita on the rocks that is common practice! Of course, a mountain of tacos is accompanied by a drink. I suggest one place for fine dining, Theodore Rex because it offers fine dining!  Visits NASA Johnson Space Center  Houston is famed with the NASA Johnson Space Center, so you must see it when you visit. Only some things are allowed for all visitors, but there are some areas you can visit, especially if you have children.  An epicenter of technology, art, cancer treatment, and engineering, Houston is a perfect place to visit for two to three days of celebration without spending too much money.   Finishing Off…  To sum it up, you have to know how far Austin is from Houston. In this article, I have described the distance between the two locations and how long it will take if you travel via flight or road trip. You will agree that the experiences and the boundaries will help you develop special memories.  The itinerary will include many elements that will keep the excitement up and create lifetime experiences. It is all about having authentic experiences from the local culture, food, people, places, and events.  Comment on the places you want to visit when traveling from Austin to Houston or vice versa!  Read More About: Three Reasons To Fly By Private Jet At Any Time Explore These 5 Excellent Yacht Charter Destinations!