Parent’s Guide To Traveling With Kids:

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  Aritra Bose Mar 26, 2025

If you are planning to visit a place in the monsoon, Phe Phe Falls is your destination to go. In Meghalaya, among the lush green forests and bridges, the waterfalls will stun you into speechlessness. Furthermore, there are possibilities of visiting other equally amazing places quite close to the falls.   The state of India is quite a paradise when it comes to natural beauty, elements, and other inspiring factors. You will enjoy the place apart from doing things like swimming, trekking and others. Read the blog to learn more about one of the most exotic places to travel.   Is Phe Phe Falls Worth Visiting?   The water of the Phe Phe Falls is cold, transparent like the sky with blue in its depth. The transparent water gives an essence of diversity, beauty, and unique charm. Let me share with you the meaning of the name, the things to do and what are the places around the fall to visit.   Additionally, you can immerse your feet in the chilling waters and a sense of another worldly feel. It will fill your heart with happiness as you see the beauty all around and inside of you, experiencing a different kind of peace.   In this blog, I will share with you what I think of the place, why you must visit it additionally, what is the best time to visit. You can plan this place when planning your solo trip in India.   Meghalaya   Meghalaya offers you various elements, its natural beauty, the culture, folklore, lifestyle and music of the people. When you visit the place, you realize the natural beauty is further enhanced with the human touch!   The paradise of the North-Eastern corner of India, Meghalaya is a nature lover’s retreat to exploration, self-love and adventure. Amongst the beautiful valleys and waterfalls, one such fall is Phe Phe Falls in Shkentalang village.   The fall is located in the West Jaintia Hills district, and you must visit it to experience a mix of beauty, mystery and grandeur. Let us explore further things to do along with other places to visit around the falls.   Best Time to Visit Phe Phe Falls   If you are wondering about the best time to visit Phe Phe falls in Meghalaya, I would say monsoon season is the best. Starting from the month of June to September, you will find Meghalaya at its best. The Phe Phe falls is at its fullest during this time.   You will be thoroughly impressed with its beauty, the fall cascading down with abundant water amidst the green surroundings, in the lush and green forests. However, I would suggest you need to check the local weather conditions regularly when you are visiting.   It is important because there are always chances of heavy rainfall during this time which ultimately has the power to impact the visibility and your travel plans. However, if you are not a huge fan of monsoons, you can go post monsoon, between October to November or even during March to May, which is prior to the monsoon seasons.   These times are relatively stable as compared to the monsoon seasons when it comes to heavy rainfall. The lush green surroundings were quite persistent during these times as well but with a limit to the sudden downpours.   About Phe Phe Falls – Meaning   The Jaintia word, Phe Phe can be translated into meaning paradise, which is also the name of one of the major ethnic groups in Meghalaya. A two-tier waterfall, the Phe Phe fall is more thrilling compared to other waterfalls because of the steep hill which you can see through the shrub bamboo plants.   With the backdrop of the blue sky, the sight of the waterfall will steal your breath away. There are range of hills which are layered with shadow and light on the opposite side. When you visit the place, you will feel that you have entered a different, more beautiful world.   Things to Do in Phe Phe Falls   Meghalaya is a must-visit destination and there, the Phe Phe falls is a perfect place for you to enjoy the serene surroundings. Additionally, there are some things to do here so, let me share with you what else you can do in this tranquil atmosphere with breathtaking views.   Trekking   This is a must if you are an adventure traveler especially because Phe Phe offers you the best experiences of trekking in Meghalaya. You will go through lush green forests across the surrounding hills which offer stunning views.   If you are a nature lover, you should trek checking out the different types of animals and plants, thus adding excitement to your overall journey. The trek is quite average, suitable for both experienced and beginner-level trekkers.   Swimming   The act of swimming is a relaxing one and when you go swimming in the Phe Phe waterfall in Meghalaya, you find peace. There is a natural pool which is at the base of the waterfall, and you can easily take a dip in the pool.   You can also enjoy the scenery around the Phe Phe falls in Meghalaya once you are done swimming! The water is invigorating and clear, providing as beautiful surrounding to soak and relax. So, if you are still wondering what are the places to visit in Meghalaya, I am sure I have convinced you!   Additionally, the tranquility in nature will create a perfect place for you to relax and yet enjoy. It is a perfect place to cool off after you come down from your rock climbing or trekking.   Camping   In Meghalaya, the Phe Phe Falls offers you a beautiful and perfect experience when camping out! It is only possible for those who are ingrained nature lovers to enjoy the lush greenery, falling water, and picturesque sunsets and sunrises.   Living under the stars, camping near the Phe Phe falls is a perfect example of enjoying a peaceful night close to nature. Let's not forget that it gives you an opportunity to connect with nature and make several memories.   Rock Climbing   A thrilling and exciting activity, rock climbing is perfect for adventure enthusiasts. The activity is thrilling, and the waterfall is the perfect background as it presents rock climbers with a unique challenge to experience beautiful locations and adventure, all at once.   You need to be trained in this activity along with possessing immense physical strength. Once you reach the top, the view is simply beautiful. This way you can check your capacity and your skills to perfectly climb to the top.   Nearby Attractions of Phe Phe Falls   There are several attractions near the Phe Phe Falls which offer you the further natural beauty of Meghalaya. The picturesque scenes show stunning beauty, allowing you to enjoy the location, thus, offering the perfect weekend retreat.   Dawki River   Known for its boat rides, the river also offers opportunities for fishing. It is one of the top places located quite close to Phe Phe falls. The transparent water will let you see deep into the riverbed and fish swim quite easily.   You can visit from 9 am to 4 pm! Apart from boat rides and fishing, you can also set up a picnic to experience the scenic views. Further, you can also set up your camp along the river.   Krang Suri Falls   Another of the falls, Krang Suri falls is quite close to Phe Phe in Meghalaya. The turquoise pool just below the waterfall creates a mesmerizing sight for visitors. You can do rock climbing, enjoy the peaceful ambience and swim across the clear waters.   Thadlaskein Lake   You can visit the lake from 9 am to 5 pm, which is perfect to enjoy your vacation. There are several things to do in this lake such as boating, fishing, picnicking, and photography. Additionally, you can also visit the boat house and enjoy the sunset at the end of the day painting the sun red.   Shnongpdeng Village   The village offers an escape from the hustle and bustle of the city! The village is perfect for its natural beauty as it is situated just beside the Umngot River. If you are a foodie, this is the place for you as they prepare the most delicious dishes in Meghalaya.   They have their local produce and as they are surrounded by nature, you will have a lot of relaxing time along with good food and good company.   Pack Your Bags...   In conclusion, the natural beauty of Meghalaya is worth traveling to! Phe Phe Falls is one such place in Meghalaya that showcases all its beauty with lush greens and cascading water. The natural wonder is all in its glory in the monsoon season and will take your breath away.   Comment below about when do you decide to visit the Phe Phe falls! Let's explore the beautiful place, if you are seeking tranquility in the natural beauty of Northeast India.  Also read Top 10 Most Popular Paraguay Food That You Must Try. Top 13+ Famous Wonders Of India That You Must Visit.

BY  sagnika Sep 7, 2023

Summers are warm. However, Scorching heat in certain places has highlighted them as heat wave zones. With heat wave temperatures across many areas worldwide, we are reminded that climate change is a global phenomenon. A significant health risk, heat wave zones make it difficult for people to travel, stay, enjoy or perform professional liabilities. I will identify certain important factors that influence travel plans, health risks and ways in which you can be safe from heat waves. The conditions that are being observed across the world in some beautiful vacation-worthy locations are serious! They can impact your health and lifestyle, so read the article to learn about the dangerous conditions that will likely affect your travel plans. Things To Keep In Mind While Traveling To Heat Wave Zones! Across the world, many places are currently heating up! Several tourist destinations and other places in Asia, Europe and the United States have heat wave temperatures. Officials in countries like France and Italy in Europe have issued health warnings. I am not saying it is highly risky, but the probability of the situation becoming risky is high! If you are visiting one of the heat wave zones, you may not be able to stick to your original plan, be it for vacation or professional liabilities. Let's explore further the precautions you might take to be safe when you visit or have to visit a heat wave zone! What Are Heat Waves? The increasing global temperature worldwide has led to people experiencing some of the hottest days! According to the weather reports, the heat intensifying in several countries worldwide has led to people fainting, sunburns and health concerns such as sunstroke. It is identified as a heat wave, especially when the temperature from June 2023 has been recorded as the warmest in the global records. The increasing heat wave temperature has succinctly impacted water supplies, agriculture, ecosystems, energy, human health and economies. One of the major reasons for heat waves has been greenhouse gas emissions, which need to be cut off as soon as possible. Climate change is a serious threat; we must take it that way to survive and help our future generations. What Are The Regions With Heat Wave Zones? In Europe, the temperature in Rome reached 104°F in July, while in Sardinia, it was 112°F. In at least 23 cities in Italy, there have been red alerts for the weather as the heat wave is potentially becoming a threat in recent times. Tourists have been passing out, creating an awareness towards global climate change and crisis. Now, Death Valley in Nevada, running along a section of the border of Central California, is identified as the "hottest place on earth"! The National Weather Service reported that the temperature reached 128°F in July 2023, a clear cause for concern. People living in Los Angeles heat wave are having serious health issue concerns! According to the weather forecast, the capital of Arizona, Phoenix, has seen a rise in temperature to 114°F while Florida and Texas are equally heating up! La Palma, located in the Canary Islands, has been riddled with wildfires recently, leading to the evacuation of 4,000 people from their homes. The popular tourist destination, the Acropolis in Athens, was shut down at the beginning of July this year during midday! It is peak time for tourist visits, but because the authorities informed us the temperature could rise to 111.2°F within a week, it was closed! In China, the recorded temperature in northwestern Xinjiang province was 126°F. Places worldwide have been hampered by the heat wave temperatures, impacting people's lifestyles, tourism and the country's economy. Is It Safe To Travel To Heat Wave Zones? As travelers, you should check the upcoming weather and climate of the location that you are visiting! If you visit one of the places I have stated regarding increasing temperature, you must keep a tab on the everyday temperature. Your sightseeing might go differently than planned if a situation occurs when one of the monuments or places you will be visiting is shutdown due to increasing temperature. If you suffer from chronic health conditions, you should not go out, especially in the scorching heat! If you are visiting from professional liability, you must carry out certain steps to cope with the heat. Remember that the temperature starts building from 11 a.m.; hence, try to enter a building or where your work is within that time frame. Read along further to learn about your steps to stay safe! What Are The Things To Do If You Travel To Heat Wave Zones? In the evening, the temperature will come down. Hence, it would be best to keep yourself cool in the daytime. The first thing is to wash your face and arms, including your armpits and wrists, so your body temperature can feel a bit of semblance. You can repeat the action as much as possible the whole day! If you are visiting Europe, you've got it easy! There are fountains in Europe. Apart from that, you need to take cool showers and air-dry yourself! It will keep the temperature of your body down. In some countries, such as Italy, residents are asked to stay in an air-conditioned environment for at least 3 hours a day. Try to find a cool restaurant, gallery or museum if you are visiting one of these countries to stay in air conditioning for some time. Try to wear clothing that is made of cool fabric, such as cotton! It is even better if the material is light and loose from your clothing. Try to use sunscreen as much as possible. Recently, people have been using manual and electric handheld fans to keep the face and body cool as much as possible. Another important thing that you must do is use heat wave sunglasses when outside! Drink more beverages and filled food, such as fruits, salads, and veggies! Also, ensure that you must have insurance covering all your medical expenses before traveling. What Are The Health Risks? Heatwave zones have several health risks, such as heatstroke or sunstroke! In this condition, your body cannot maintain a safe temperature, especially when exposed to hot weather. The body temperature must not exceed 103 Fahrenheit, but in sunstroke, it does. There is also a chance of getting pale skin, muscle cramps, sweating, and exhaustion. Currently, the US heat wave is one of the serious concerns for business travelers! You might get red and blotchy skin if you stay in the sun for too long! You have to take fluid regularly. Chances of dizziness, headaches, and sweating when visiting heat wave zones are high! Finishing Up… Overall, climate change has led to health risks along with issues where people cannot avoid these situations. With increasing temperatures in certain places across the world, people, children, and senior citizens cannot cope with the increasing temperature. People with chronic health conditions such as allergies to skin, asthma, upset stomachs, and headaches are facing more issues, especially when traveling to heatwave zones. I suggest following the tips and consulting a doctor if the situation worsens. Let us know your thoughts about this situation and how to be safe in heat wave temperatures! Read Also: Spring Travel And Eye Health Tips Sizzling Summer Road Trip Destinations 7 Tips For Planning The Perfect Summer Camp For Kids