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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 Nov 27, 2025

Summer 2025 saw the Amalfi Coast become more accessible with Uber launching boat and helicopter services from 26th July to 24th August. However, the Amalfi Coast is not just a hot destination this summer. It has always been the “La Dolce Vita” destination for people planning a summer coastal trip. The Amalfi Coast in Italy is known for its cliffside villages, turquoise waters, and lively Mediterranean culture. Travelers exploring this region often start their day with coastal walks, sunrise views, and of course, their favorite travel mug filled with a warm drink while enjoying sea breezes. Whether you're hiking the famous Path of the Gods or exploring charming seaside towns, the Amalfi Coast blends adventure with relaxation. Getting To The Amalfi Coast: How To Reach The Amalfi Coast Naples International Airport is the biggest airport near the Amalfi Coast. The distance between the airport and the Amalfi Coast is around 64.8 km, and from Naples, there are multiple travel options. From Naples, Travel Options Include: Train to Sorrento + bus/ferry. Car Rental Private transfer You can take a car rental service. However, the path is winding. The journey can be a little tough. The train, bus, and ferry combination is the best for traveling from the Naples Airport to the Amalfi Coast.  Base yourself in towns like Positano, Sorrento, Amalfi, or Ravello. Amalfi Coast Is Going To Be More Accessible With A New Luxury Railway Service Here is some great news about the Amalfi Coast being more accessible for travelers looking for the ultimate Italian experience. From May 2026, Belmond is about to launch a new luxury train service from Paris to the famous coastline of Italy. The train called the “Venice Simplon-Orient-Express” will start its journey from Paris, and on its way to the Amalfi Coast, it will stop at Pompeii. At Pompeii, you can explore the famous historical ruins. It has the volcanic ash coming from the massive eruption of Mount Vesuvius in 79 AD. As an archaeological landmark and a UNESCO World Heritage Site, the ruins stand as the “Ghost of the Past.” In addition, the Art Deco style of the train, plush interior, and fine dining facilities ensure a regal travel experience. Outdoor Activities & Walking Trails Despite a strong start in 2025, the major tourism destinations in Italy, including the Amalfi Coast, have witnessed a decline in tourist numbers. However, 2026 looks promising with new tourist areas in Asia and Europe. Nevertheless, in the Amalfi Coast, you must not miss exploring the walking trails and taking part in these outdoor activities. 1. Sentiero Degli Dei (Path Of The Gods) This 5-mile ridge walk is ideal if you want to enjoy the best sunrise views. Once you reach the top, you will get a panoramic view of Positano. The difficulty level of this hike is moderately difficult. So, it demands basic fitness and some training. Furthermore, this trail has some stories of Greek deities associated with it. It is said that the Greek Gods took a walk on this route to protect Ulysses from the attack of the Li Galli islets’ sirens. The trekking route is picturesque, and you will pass through terraced vineyards and fragrant shrubs of the Mediterranean Region. 2. Valle Delle Ferriere Valle Delle Ferriere is the crown jewel of Scala. It is also one of the famous 41 biogenetic reserves of Italy. It has waterfalls, lush forests, and ancient paper mills. With trees providing shade, Valle Delle Ferriere is the ultimate Amalfi Coast destination on summer days. Still, because of its location, starting from the Scala mountains and ending in the Amalfi territory, it is a place less trodden by tourists. So, it remains less crowded even when the entire Amalfi Coast bustles with tourists during the summer holidays. Furthermore, the magnificent fossilized wall covered with moss, in the center of the valley, is the main attraction here. Time stands still once you look at it, and if you keep your ears open, you get to hear the stories from the past. The wall looks like a gigantic sponge, and as time absorbs everything, the hanging moss on the wall keeps absorbing the constantly dripping water. The living stalactite formations on the wall are sculpted by the accumulation of calcium bicarbonate. 3. Ravello Terrace Walk You can start from the Villa Rufolo Gardens and then walk toward the coast with the scent of lemons, and the whiff of sea pleasing your senses. The walk for 90 minutes starts just before the Villa Rufolo entrance. However, finding the right track here can be a little tricky. So, you need someone local as your guide if you are here for the first time. This Ravello Terrace Walk is filled with the chirping of the birds and butterflies. And also, I forgot to mention, the strong yet soothing fragrance of jasmine sometimes feels intoxicating. Overall, the scent of the sea, jasmine, lemons, and other flowers grown on the way creates a concoction that you will enjoy forever. 4. Coastal Walks The Marina Grande to Fornillo Beach (Positano) and Amalfi to Atrani seaside path are some of the most popular coastal walks in the Amalfi Coast. You can complete the Marina Grande to Fornillo Beach walk in just 10 minutes. The Amalfi to Atrani seaside walk is almost of around 10 minutes and you have to walk through the pedestrian tunnel. Other Sightseeing Highlights Don’t miss the following landmarks on the Amalfi Coast. Positano’s colorful vertical village Amalfi Cathedral Fiordo di Furore a dramatic fjord Boat rides to hidden coves. Lemon groves and local limoncello tastings Also, savor every bit of the Sunset moments in the Amalfi Coast. Sunsets along the coast are some of the most stunning in the world. What To Pack For Amalfi Adventures The Amalfi Coast is warm in the summer. However, with the wind blowing in its full strength, it feels a little chilly after sundown. So, choose layered clothing. Here are the essentials you must carry in your backpack for your trip to the Amalfi Coast. Breathable Clothing Comfortable Walking Shoes A Travel Mug for Early Hikes Sun Protection Light Backpack Swimsuit  A Quick-Dry Towel Food In The Amalfi Coast: Signature Dishes You Cannot Miss Amalfi dining revolves around fresh ingredients and seaside views. You must try the following signature dishes. Lemon pasta Fresh seafood dishes Gelato on the beach Espresso at cliffside cafés The outdoor restaurants are perfect for ending your adventure-filled days and gorging on the best local delicacies. Read Also: The Best Beaches in Puerto Rico Ranked! 9 Best Beaches In Greece That You Must Visit Once In Your Life Navigating Coastal Cuisine: A Traveler’s Guide To Safer Seafood Choices

BY  Sibashree Sep 5, 2025

Every year, Thailand attracts millions of business travellers. While it faces competition from Singapore for the title of Southeast Asia's business hub, its superior size and geographic diversity make it many people's go-to destination for meetings, incentives, conferences, and events (MICE).  It's also one of the region's most open economies and an important trading partner for many countries, attracting visitors who are looking to do business with the country as well as in it. Nonetheless, it is a country with its own cultural quirks and unique ways of doing things, and it pays to be prepared if you want your trip to go smoothly.  So, whether you're hosting a meeting in Chonburi or attending a conference in Bangkok, here are five important things to make sure you prepare in advance for your business travel in Thailand.  Things To Prepare In Advance For Business Travel In Thailand  The International Trade Administration has a detailed guideline on business travel in Thailand. There are specific directives on visa requirements, telecommunications, currency exchange, and transportation.  However, here, we will talk about the preparations you need to make well in advance. 1. Take Care Of Travel Documents, Copies, And Connectivity Thailand receives many tourists each year due to its relaxed visa requirements for short-stay visitors. However, these generally only apply to visitors who are coming exclusively to sightsee and vacation.  If you're planning to do any kind of work, even if it's just a meeting, you'll need to apply for a non-immigrant visa at your local embassy or consulate. This should be done well in advance of your arrival in the kingdom. Make sure: Your Passport has at least 6 months of validity Make copies of your passport and visa Keep copies of your hotel booking and travel documents handy Lastly, make sure you've brought roaming data for your phone to stay in touch with people back home. 2. Ensure That You Have Access To Adequate Meeting Facilities It's important to remember that if you're travelling for business, you'll likely need access to a meeting room. Find out what you can in advance about your hotel's facilities, if that's what you plan on using.  Space Equipment Support These are the three most crucial factors.  If you need to book a meeting venue last-minute, or your hotel doesn't offer the facilities you need, translate your search, like "book meeting room in Chonburi" into Thai (จองห้องประชุมชลบุรี). You'll see the Thai results too, sometimes with lower rates. But once you click on the websites, there's usually a button to switch the language back to English. 3. Plan Your Recreational Activities Recreational activities are benefits that will carry over into work hours, both on your trip and back home. Thailand offers plenty of choices. Areas like Bangkok and Pattaya are, of course, known for their nightlife, but many modern visitors prefer to book into wellness retreats and spas. Chonburi, which is growing in popularity as a business destination, has a vibrant sports scene. It's home to the Chonburi Bluewave Futsal Club and the Supreme Chonburi Volleyball Club, which are both very popular across the country. 4. Have Access To Finances And Legal Advice As it's a business trip, we're sure you've got your budget covered. However, that means little if you can't access your money when you need it.  Make sure that you've informed your company's credit card provider of your travel plans so that they don't block it by mistake. It's also advisable to carry some cash at all times. Card payments are rarely used for everyday transactions, with the locals preferring cash or mobile app payments. Thailand has strict laws around foreign ownership of properties and businesses. You may also have local taxes and labour regulations to consider if you are setting up or investing in a Thai business.  It's also sensible to have any contracts reviewed by an expert who understands Thai law. So, get a legal advisor.  Moreover, Thailand has recently revised its visa policy. So, the duration of a visa-free stay for foreign tourists is now just 30 days instead of 60 days. This will impact visitors from around 93 countries across the world.  This new revision is aimed at controlling illegal business developments, such as unlawful condominium developments, in Thailand.  However, when you are traveling with a business Visa, or the Non-Immigrant "B" Visa, you can stay in the country for 90 days.  Do you have to suddenly extend your stay for business purposes? You can get in touch with the Immigration Bureau to get approval. Here also, provide the detailed documents and establish your requirements to get the approval.  So, irrespective of the country you are from, you need a constant consultation with an immigration expert and a lawyer.  5. Stay Aware About Local Culture And Etiquette The Western approach to business and personal interaction is a lot more direct than the Thai way of doing things.  In order to get along well with any Thais you meet and to ensure that your meetings go smoothly, you should honour the local customs. The most important concept to keep in mind is that of "saving face." This is the avoidance of direct or public confrontation with others to save them from embarrassment. Furthermore, you must always address the mistakes in private. Also, you must greet with a traditional gesture, “Wai”, before a handshake. Moreover, respect the hierarchy.  Stay Prepared To Make Your Business Travel In Thailand A Success From Chonburi to Chiang Mai, Thailand has many MICE cities that are well-equipped for the needs of business travellers.  However, keeping your documents handy and knowing the visa policies are very crucial if you are planning a business travel in Thailand. Also, if your business trip means that you have to work in Thailand, you will need a Thai Work Permit.  Moreover, the visa requirements can change in Thailand. Documentation can also get stricter. So, Read the visa policies Know the documents required Consult with an immigration expert Talk to your business counterpart in Thailand Seek legal help regarding documentation if needed All these will ensure a seamless visa application and approval for your next business trip in Thailand.  Read Also: 5 Must-Visit Places In Thailand: Should I Go To Phuket Or Krabi? 3 Reasons Why Thailand Is The Ultimate Wellness Destination Thailand Travel Guide: This Is The Best Time To Visit Thailand!