Nightlife in Miami: The Ultimate 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  sagnika May 13, 2024

This is a call to action for all beach lovers! I am here with a list of nine beaches in Perth that will satisfy your urge to submerge yourself in the water and the activities that come with it. You will not be disappointed if you visit even one of these nine beaches. They are a collection of beaches with good views and different activities, including swimming, snorkeling, surfing, and scuba diving! Australia is known for its diversity in flora and fauna. If you are visiting Perth, they are a must. I am a mountain lover, but there is something in the sea and the wide expanse of the ocean that takes your breath away! Beaches are designed by nature to relax individuals into doing things they do not get time to do regularly. So, what is the best time to visit Australia? If you sit on the beach with a drink in hand and stare at people, you will have the best time of your life. I am also a reader, so if you spread your body along the white sand and read a book, I am sure you will have this relaxing memory for the rest of your life. 9 of the Best Beaches in Perth that You Must Visit So why are you looking for beaches in Perth? Did you know that, apart from Perth, other coastal areas in Australia, such as beaches in Sydney and Melbourne, are beautiful and worth visiting? Sometimes, even the locals need clarification about which one they should go to. The soft white sand is a visual treat, along with the crystal-clear water. When you think of a perfect day out, these beaches will rescue you. You can relax in the sun, and there are various services such as shelter, restrooms, shops, and food joints! Let me share with you some of my favorite beaches, which are not just visually appealing but also perfect for various purposes. Some of these beaches help you enjoy solitude, while others are perfect for a family picnic or romantic date. Leighton Beach This is my favorite beach in Perth, not just because it is dog-friendly but also because the stunning blue water takes my breath away. The stunning stretch of land is perfect for relaxing, going out to swim, and then grabbing coffee or a delicious bite of food. There is a place to eat, Wooden Wagon, in the dog beach area, which is people's favorite! Another place is Orange Box, where you can go ahead, pull out a deck chair close to the main car park, and enjoy the ambiance. If you are more of a wine person, a new place is opening called North Fremantle, which offers a variety of snacks along with a long-curated list of wines. Cottesloe Beach An iconic beach among all bountiful beaches, Cottesloe is mentioned as one of the significant beaches in Perth! To experience this beautiful beach for everyone, you must drive from Perth, which will take 20 minutes. This is the most popular beach in Perth—the locals call it Cott! Surrounded by vistas and coastlines, this beach has it all. Whether planning a family outing with your kids or a romantic beach date with your partner, you'll find everything you need to enjoy the ambiance. If you are a typical beach lover, this is it for you. Find a great spot, sit for a drink at the Cottesloe Beach Hotel, and enjoy the sunset while people-watching! You also cannot miss the Prego Italian restaurant if you love Italian food. Scarborough Beach Scarborough Beach is known for people-watching in Western Australia. You must check out this popular ocean oasis. It is the most iconic sandy spot surrounded by a high-rise cityscape. You can see hotels, cafes, surf shops, and restaurants all around the beaches! I can assure you that this beach is a premium destination, so you can easily experience sheltered and safe swimming conditions. The white sand and crystal-clear blue sea are perfect places to hang out with your friends, family, or partner. From The Lighthouse Cafe to the Whole Earth Cafe, you must check out these places for food. These are some of the coolest restaurants in Australia you must visit! Another significantly popular restaurant is The Kitchen at The Shack and Celeste, where people go to have some of the best beach drinks. City Beach One of the busiest beaches in Perth, City Beach is in an amazing place—in the center of the northern suburbs of Perth! Apart from swimming and snorkeling, you can spread your towel and relax with a book and sunglasses. Many families visit this beach, so this beach has a happy-go-lucky vibe! People are mostly in a festive mood when they see this beach. You will encounter a wide boardwalk with several restaurants and places to eat. Mullaloo Beach The Mullaloo beach is quite ideal for you if you have children! It is a popular spot for swimming so that you can take a dip in the ocean's calm waters. You will feel completely rejuvenated! You should also visit the locally operated restaurants and bars where you can get your food fix! Along with the food, you also need to be more aware of the surroundings. Hence, you can go to the beach to enjoy yourself. Floreat Beach If you want to get away from the crowd from Scarborough Beach or City Beach for a while, you can go to Floreat Beach, located across the stretch of sand to the south of Peasholm Dog Beach. There is also a gravel track, so you can access the beach at different points. There might be some swells of waves, you can go surfing here. Have some solitude when you hang out on this beach. Mettams Pool Located in the northern area of West Coast Highway, this beach is perfect for snorkeling enthusiasts! Mettams have shelters along with grass; hence, you can easily take shelter if the wind is strong. There are several cafes across the coast so that you can hang out there after snorkeling! Furthermore, the view is so scenic your heart will flutter. Additionally, the reef is so beautiful you can explore it all by yourself! Trigg Beach If you are a surfer, darling, you must visit the Trigg beach! You can visit anytime as a tourist, but the locals always head there when the weather is wild, and the waves swell skyward. For experienced surfers, that is an adventure. However, if you are still a beginner, avoid rough weather. The rough waves rip your boat apart, or surfers can touch the sky! Perth's experienced surfers rate this beach as one of the best, which means you might find a lot of crowds. It is the mecca of surfing and quite popular among the locals! Along with the solitude, you will also get the thrill of adventure. Coogee Beach If you are staying in Perth City, you must travel to Coogee Beach by car, which will take about 35 minutes. If you are planning to visit this beach, you must try the jetty jumps, apart from going on a jetty for fishing! It is also considered one of the best beaches in Australia! A huge area is covered in grass where you can organize your family picnic. In the beach environment, there is an abandoned power station that you can visit before you go to the beach. Finishing Off... In short, the beaches in Perth are worth checking out, especially if you are a white sand and blue water fan. Beaches in Perth are not just a place to hang out but also the identity of the place. The pristine coastline brings several beaches with white sand and turquoise sea water. I have always wondered how free it feels when we go to the beach! In addition, I am sure you will feel the same energy when you go to these beaches; I have made a list of them in this blog. Along with surfing, snorkeling, or swimming, you can have a picnic or a barbeque. Comment on what you think is important when visiting a beach and enjoying yourself. Learn More About: 10 Things You Have To Do When You Visit Australia 8 Beaches Of Melbourne, Australia Where You Can Cool Off 8 Best Places To Live In Australia For You If You Have A Family

BY  Nabamita Jan 16, 2023

If you are traveling to the Caribbean, then the best place you should check out was the Sandals Curacao resort, which is now finally open and is welcoming tourists and guests. All sorts of possible amenities and services are available for vacationers to utilize and take advantage of. The resort is like a global Caribbean gem on a beautiful island. If you are from a European country, then the resort is like a beautiful European city on the beautiful Caribbean Island, the resort has a beautiful old-European city. So if you want to book a room then hurry up, as the resort is getting filled up faster than ever. Sandals Curacao’s Basic Travel Information If you are planning to visit Sandals Curacao resort, then here are a few pieces of information about the Sandals royal curacao. These information will be going to help you to know more about the surrounding area. Where Is Curacao? The Sandals Curacao is an island in the Caribbean, on the coast of Venezuela. Curacao island is among the “ABC” island, which are Aruba, Bonaire, and Curacao, the island lies in the western Leeward Antilles. Recently, we were there on vacation doing some much-needed soul searching about a new business I’ve been planning to start. The only obstacle? An offshore merchant account. It was on my vacation that I found the help for starting an offshore merchant account - and for that reason Curacao will always remain special. Closest Airport global-uploads.webflow.com If you are going to The Sandals Curacao, then the nearest airport that you may reach is about 15 miles away from the resort. A round-trip to the airport is included in your resort booking as well. Best Time To Visit futurecdn.net If you are going to visit the island then you should definitely avoid the hurricane season, as hurricanes can be very dangerous and devastating. But other than the hurricane season, the whole year is perfect for you to visit. Sandals All-Inclusive Resort Amenities sandals.com In the Sandals Royal Curacao resort, there are a lot of room options and other luxury amenities that are available in the resort. So when you check out their website and click on book now, then you will be able to see all the detailed information about the amenities offered. If you wanna know a few of the luxury amenities that are offered by the resort then, they are given down below. Room Options sandals.com In the Sandals Curacao Resort, you will find 24 separate room options, and it has two newer signature suites along with the already three category levels. These three different categories are Butler, Club, and Luxury. Top Picks For Honeymooners sandals.com If suppose you are celebrating certain special occasions like your anniversary or honeymoon, here at the Sandals Curacao resort, then there are special rooms for you as well. Romantic seaside or poolside bungalows. We also have, “Love Nest” suites which are one-bedroom, with an all-inclusive luxury butler service. New Butler Bungalows cdn.sandals.com The newer Awa Seaside Butler Bungalow and the Kurason Island Poolside Butler Bungalows are built which provide even more privacy and other luxury amenities. Like 24-hour room service, a private patio, a sun deck, sun loungers, a personal butler, soaking tubs, and many more. Top Picks For One-The-Go Travelers aroundtheworldl.com If you are the type of person who loves to travel around and visit all the hotspots, then there are beautiful beaches, tropical gardens, and pools that you can visit and enjoy your time. Activities At Sandals Curacao Royals scuba.com So now that you have decided of going to the Sandals Curacao Resorts, then you should know the activities that you can take part in while you are exploring the island. Here are a few activities that you can explore in the Curacao resort, here are a few of them listed down below. Get Scuba Certified scuba.com You can easily get to purchase a “PADI eLearning course,” they are available if you want a scuba diving lesson. Scuba Diving scuba.com Here at the Sandals Curacao resort, you get an all-inclusive scuba diving program, but first, you need a scuba diving certificate for that, which is also available here. Special Butler Bungalows: Mini Cooper scuba.com If you are looking forward to exploring the beautiful island then we have a car service available, where you can get your own Mini Cooper for 3 ½ hours. The service includes gas, a guide map, and a beautiful picnic basket prepared by the resort. Sandals Red Lane Spa scuba.com No resort experience is complete without a spa treatment. Here at Sandals Curacao, we have a salt stone massage, couples massage, and many more of you to enjoy. Wrapping Up! So now that you have planned to visit the Sandals Curacao resort, then by now, you should check out the official website of the resort. There you will be able to find out more details of the resort, that is more specific. But if you liked this article, then give us a like and comment down below, that when would you like to visit the sandals Curacao? Read Also: is trip.com legit? Is it reliable? The Best Resort Spa & Wellness Island Experience! 3 Of The Best European Holiday Destinations For Wintertime Discovering The 11 Most Beautiful Places Of Adventure In The World