Top 15 Restaurants In Colombia You Must Visit While Traveling

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 Jun 20, 2025

The best way to start your day is staring at the rising sun. If some exotic locations for the best sunrises are passing through your mind, let me also remind you of Vietnam. Do you know which are the best places to watch sunrise in Vietnam?  Before I proceed, let me tell you why sunrises in Vietnam are so beautiful. The cosmic elegance of the Vietnamese sunrise stems from the country's long coastal stretches and naturally scenic settings.  The massive horizons at the coasts create unique sun flares every day, when the sun rises here. Similarly, the green landscapes reflecting the nascent sunrays every morning are no less than a visual treat. Why Are There So Many Exotic Places to Watch Sunrise in Vietnam? The mountain peaks here are also mesmerizing. Meanwhile, Vietnam offers many locations where early mornings leave a lasting impression. It includes misty hills and quiet beaches.  This guide highlights the top sunrise spots across the country. Firstly, these places offer some of the most rewarding sights. However, a well-planned vacation package to Vietnam can make these experiences enjoyable. Why is Vietnam Ideal for Sunrise Views? Vietnam’s geography extends from north to south. It includes the eastern coastline of Southeast Asia. This makes it an ideal destination for sunrise enthusiasts.  The sun rises over the East Sea. It offers clear and wide views. Mountain valleys and beaches provide breathtaking views. Don't miss out on the rice fields. Witnessing sunrise can become one of your most treasured memories of Vietnam. Where Can You See the Best Sunrise in Vietnam? Vietnam has various sunrise spots. Some of them are less explored. Here are some you can include in your next travel itinerary:  1. Mui Ne - Sand Dunes and Sea Views Mui Ne is a coastal town in southern Vietnam. It is known for its red and white dunes. Tourists often visit this area early in the morning. The sand and sky combine to provide a calm and lovely scene. Many Vietnam Travel Agency tours start the day at the Mui Ne dunes. The light breeze and open horizon make this a favorite spot for photographers and early risers. 2. Sapa - Sunrise Over Rice Terraces Sapa's rice terraces and stunning mountain views are popular attractions. It is located in the northern highlands. The fields glow with golden hues. The villages surrounding Fansipan Mountain offer incredible views that are perfect for a sunrise walk. A Vietnam country tour to Sapa usually includes homestays and local treks. It also includes early morning hikes. These make it easier to access the best viewpoints before sunrise. 3. Hoi An - Riverside Reflections at Dawn Hoi An, a typical town with historic streets and attractive riverbanks, is a serene spot for sunrise viewing. The quiet mornings on the Thu Bon River, with boats floating peacefully and old town buildings reflecting in the still water, create a tranquil atmosphere.  You can choose a vacation package to Vietnam that includes the central regions. In this way, you can spend a night in Hoi An just to catch the early morning light. 4. Da Nang - Son Tra Peninsula The Son Tra Peninsula, near Da Nang, offers stunning views. Meanwhile, the best sunrise views can be found from the Ban Co Peak and the Linh Ung Pagoda. You can also see the city, sea, and forest all together from this point.  Several Vietnam Travel Agency packages include this spot as part of a day tour from Da Nang. It is often filled with the sounds of birds and cool air. 5. Phu Quoc - Sunrise at the Beach Phu Quoc is an island located in the far south. Its eastern beaches are ideal for watching the sunrise. However, Long Beach, Bai Sao, and Ham Ninh Fishing Village are top places to see the morning sun over the sea. You can book a vacation package to Vietnam that includes beach resorts.  6. Ninh Binh - Mountains and Rivers in the Morning Mist Ninh Binh, also known as Halong Bay, is one of the best places to watch the sunrise in Vietnam. At first, you will encounter the thick morning mist. As the sun rises and the fog begins to clear slowly, you can see the entire frame of the sunrise.  At Ninh Binh, you can also take boat rides along the Ngo Dong River, located in Tam Coc. The rides are seamless, allowing you to relax. However, the sunrise is the best part about early morning Ngo Dong rides.  The sunlight radiating from surrounding cliffs and fields transforms the rivers into a new canvas every day. If you don’t want to miss such places to watch the sunrise in Vietnam, consider contacting a travel agency.  They may help you book the 05:00 AM to 07:00 AM boat ride on Ngo Dong. Stay for a while and experience the full arc of the sunrise.  What Time Does the Sunrise in Vietnam? The winter sunrises in Vietnam are most exotic. Moreover, you need to know about the best places to watch sunrise in Vietnam. That’s why your tour operator’s help is crucial.  The best time to witness the sun in its raw orange form is between 5:30 and 6:30 AM. However, please note that you should check the local time there.  Before visiting, you need to note a few things as well: Usually, there is a thick crowd at the best places to watch sunrise in vietnam So reach at least 30 minutes to take the front view The shades and aura of the sunrise from various places will surprise you.  How to Make the Most of Sunrise Views? Plan most of your sunrise viewing experience. Knowing where to go and how to get there will ensure you don't miss the breathtaking views. Take your hoodies or sweatshirts as the morning mists are chilling. Interiors may not have food options. So, carry your breakfast essentials or light snacks. Respect the local environment. Avoid littering. Consider booking your trip with a Vietnam Travel Agency. It is to ensure transportation and access to ideal viewpoints. Frequently Asked Questions (FAQs) Global tourists are eager to visit places to watch sunrise in Vietnam. However, they want to know…… 1. Do I need a guide for sunrise trips in Vietnam? No, not always. Yet, in remote or mountainous areas, local guides can ensure safety and help with navigation.  2. Can I include sunrise tours in my Vietnam vacation package? Yes, many agencies offer custom sunrise trips as part of a vacation package to Vietnam. 3. 3. Are these places crowded in the morning? No, these places are less crowded.  4. Which season is ideal for seeing sunrises? It is from October to April in the north and central regions.

BY  Sibashree Jul 18, 2024

Zipline Tour: Ziplining has been steadily gaining more popularity in recent years. Venturing into the mountains of Costa Rica or attempting a local zip line course can trigger a dopamine boost by conquering fears, attracting many enthusiasts. Many people who choose to try zip lining are scared of heights, yet they demonstrate courage by facing their fears and participating in the activity. Gaining knowledge from new experiences and challenges allows you to move beyond your comfort zone and into the stretch zone, where substantial personal development takes place. Utilizing these teachings in various areas of your life is what will guide you to achieve maximum success. Are you looking forward to experiencing a zipline tour in Cancun and Riviera Maya? Allow me to explain to you the reasons why you should. Or you can visit the official Selvatica website to know more about it. 1: The Ultimate Adrenaline Rush As you ascend the zip tower for the first time, anxiety grows with each step you take. Ultimately, you will reach the top and face the decision to either proceed bravely or turn back and descend the steps. Even though zip lining doesn't cause the same stomach-churning feeling as a roller coaster, the excitement stems from trusting yourself, your guides, and your equipment when you leap off the platform. Gaining trust in the idea that circumstances outside of your influence will result in a positive outcome can be applied in different areas of life, allowing you to welcome challenges and move forward. 2: Amazing Views Changing your point of view allows you to discover a whole new world of beauty that was previously unseen. The zipline tour in Cancun and Riviera Maya provides a high-flying perspective of the world below by taking you up and over or through the trees. The chance to observe the trees from a higher vantage point is rare, so we should always seize it. If the world seems dull, change the way you see things, you can - Experiment with new activities, and View the beauty of the world from a different perspective 3: A Fun-with-Family Experience The zipline tour in Cancun and Riviera Maya is an ideal adventure suitable for individuals of every age. This, in turn, makes it a great choice for families looking for a fun activity. It also offers a special chance for multiple generations to share in a new experience. And you will also get to form a connection through memories that will endure forever. Bring the entire family on a zip line expedition and enjoy the sights, sounds, and views inquisitively! However, make sure to verify the age and weight restrictions of your zip line destination before making reservations for kids 4: A Great Go-Pro Venture In addition to taking selfies, zipline tour in Cancun and Riviera Maya also provides amusing video footage through a go pro camera on your helmet while you ride their zipline, which is necessary for everyone's safety. Zip-lining provides a unique nature experience that will bring you joy every time you recall it, whether you're back at work, reflecting on a team-building outing, or studying at home for upcoming exams. 5: Overcoming the Fear of Height The zipline tour in Cancun and Riviera Maya doesn’t really look exciting to people who have a fear of heights. However, if you are doing it nonetheless, it should make you a little bit braver when it comes to dealing with heights. Also, in a way, it will look cool to see yourself soaring through the sky, right? Also, another exciting thing zip-line could offer a fantastic and thrilling experience that you'll want to have over and over. TL;DR, there are a few certainties when it comes to Zip-Line. For example, you’ll soar over some of the tallest peaks you’ve ever experienced before. Secondly, the enjoyment of doing something new will be over the top. Thirdly, as you will move rapidly through the sky, a sensation of flight will ensnare your senses. Fourthly, as it’s an adventurous exercise, you are bound to experience a surge of adrenaline. And finally, the view from above is unparalleled. 6: Safety Standards over Everything Else Safety is always the top priority on the zipline tour in Cancun and Riviera Maya. Every course must adhere to numerous safety requirements, including regular checks by third-party vendors and daily inspections by the team. You can be confident that all aspects of your tour, such as the trees, platforms, harnesses, and helmets, are well-maintained, which allows you to trust both your equipment and the knowledgeable guides leading you. 7: The Connection to Nature The zipline tour in Cancun and Riviera Maya provides a chance to reconnect with the natural world and admire the beauty of the environment. Flying alongside birds, seeing an alligator 60ft below, and viewing the ocean from the trees is an amazing experience that allows you to imagine swinging from tree to tree. In order to link yourself with nature, you need to fully involve yourself in nature, there's no telling what you might discover. Bonus: Fun Exercise You do not have to be in great physical shape to have fun on the zipline tour in Cancun and Riviera Maya, but it is an excellent way to incorporate some physical activity into your routine. From navigating stairs carrying extra gear, to engaging your core while descending, to using your arms to guide your way, to practicing balance on aerial obstacles or suspension bridges, it's not a typical workout, but it's an enjoyable way to exercise and tone your muscles Ziplining: Doing Something Memorable! Zip lining is a memorable adventure that will stay with you for a long time. It's a chance to try something different and enjoy a new experience with loved ones. It is these shared experiences that unite us and allow us to achieve incredible feats while forming meaningful relationships. Zip lining results in creating memories that endure throughout one's life. The zipline tour in Cancun and Riviera Maya is a thrilling experience that allows you to overcome fears, enjoy stunning views, and bond with loved ones in a safe and controlled setting, boosting confidence and creating lasting memories. However, don't just believe us, try the excitement firsthand! Also read Beginner Tips For Your First Camino De Santiago. Boat Charter Miami: Essential Tips For A Great Experience. Guide To Visiting Hegra (Madain Saleh) And The Al Ula Valley.