The Ultimate Guide to Visiting the Skagit Valley Tulip Festival

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 Feb 18, 2025

When you think about February, what is the first thing that comes to your mind? Especially if you are living in one of the northern states. Snow? Routine life? Clouds and rainstorms? Well, I have got a solution for you.   Let’s make a list of warm places to travel in February this year. Yes, there is a possibility that you might have to face occasional rainfall, so why don’t we choose the places with warmer temperatures creating that perfect place for you to give you a break, relax, and rejuvenate?   Here are Some Warm Places to Travel in February in the USA!   No, you and I are not old! Neither are our bones chilly. All we want is to visit a place that is warm like a hug! In February, I have already had my share of cold and snow, now can we just escape somewhere with the sun shining bright on my face?   How about some beach and a tall cool glass of drink along with it? I am dying to finish the book I started at the end of January and am still not able to complete it! Visiting warm places to travel in February is not just about warmth!    It also means a break from all the socializing from Christmas and New Year! As an individual, I think everyone needs a break from all the people meeting we do daily. This travel plan will be just that, a warm hug to yourself.   New Orleans   https://www.instagram.com/p/DFGuRqIpWKi/?img_index=3 Round-the-clock nightlife, vibrant streets, and live music scenes make this Louisiana city a perfect place for you to go! Especially if you are looking for warmth and spicy! New Orleans is known for its history, a mix of cultures between American, African, and French.   What's more, you will experience a sense of celebration with carnivals and parades, a regular thing about the place! People host parties on the streets during Mardi Gras while wearing different costumes and makeup.    Known for its jazz music and historical architecture, New Orleans is perfect for you in February! If you are a little confused about things to do in New Orleans with kids, you can go visit the National WWII Museum and New Orleans Museum of Art.   Things to Do   Go to the Mardi Gras World   Attend the prayer at the St. Louis Cathedral   Explore the Audubon Park   Miami   https://www.instagram.com/p/DEVbjvMugvb/?img_index=1 If you are a beach lover, this is the place you want to go if you are looking for warm places to travel in February. Miami is in the state of Florida, US, and gives you the perfect vibe for a warm weather winter destination.   You can visit this climate for its vibrant climate, sultry beaches, and museums. One of the coolest places I think we have in Miami is the zoo! You also have the Perez Art Museum and Vizcaya Museum & Gardens to go to when you visit the city.   Things to Do   Explore the Fairchild Tropical Botanic Garden   Visit the Everglades National Park   Go to the Philip & Patricia Frost Museum of Science   Palm Springs   Are you craving some Desert this February? You must visit Palm Springs, in southern California with its delicious restaurants, interior design and decor stores, and vintage boutiques. The Sonoran Desert is known for its hot springs, spas, and golf courses.   If you have plans to relax and rejuvenate, this is the place to be. Additionally, you can also take long walks across Palm Canyon Drive. However, if you are someone who loves adventure, you can try horseback riding trails, biking, and hiking.   Things to Do   Explore the Moorten Botanical Garden   Visit the Living Desert Zoo and Gardens   Travel via Palm Springs Aerial Tramway   Maui, Hawaii   Hawaii cannot be just termed as a beach city; it is so much more than that. Creating a soothing climate for you in the harsh winters of February, Maui, Hawaii offers you one of the best coastlines as a view.   Furthermore, you can watch those majestic humpback whales especially because the water is translucent! The tides are much calmer so you can totally go for a swim or even kayak in the river trails around what is one of the second largest Hawaiian Islands!   Things to Do   Explore the Haleakala National Park   Visit the Maui Ocean Center   Hike the Pipiwai Trail   Key West   If you want a Caribbean vibe, you should go visit Key West! A city in the Florida Keys, this is a tropical paradise for tourists who are looking for sandy beaches, delicious food, sighting migratory birds and exotic animals.   It is one of the top choices for warm places to travel to in February as tourists. One of the warmest and sunniest places in the USA, and you should not miss it especially if you are traveling with family! It is one of the most exotic places to travel to in the USA.   Things to Do   Ride on the Conch Tour Train   Explore the Hemingway Home and Museum   Walk to the Edward B. Knight Pier   Arizona   Are you someone who loves both mountains and rivers? Known for the Grand Canyon carved by the Colorado River, Arizona is a perfect place for you. Apart from the Canyon, you will find yourself surrounded by mountains.   There are of course beautiful places to visit such as Saguaro National Park. You will find the national park filled with cacti protecting the desert landscape around you! If you are wondering about things to do in Phoenix Arizona, you can visit the Musical Instrument Museum, Phoenix Zoo, and Desert Botanical Garden.   Things to Do   Walk on the top of Hoover Dam   Explore the Seven Magic Mountains   Kayak to the Emerald Cave   Las Vegas, Nevada   One of the most popular places in the USA, I am sure you have heard of Las Vegas or maybe even made a trip there. So, I am not kidding when I say you must visit Vegas in February. This is one of the perfect February vacation ideas if you are looking for one!   Are you someone who does not like the crowd too much? Well, in February, Las Vegas is perfect for you, especially with a little rush after the New Year crowd! Furthermore, you will get museums for your children to visit, a beautiful aquarium if you are looking for some beauty and peace and so many live shows!   Things to Do   Explore the Red Rock Canyon National Park   Must visit to High Roller   Go on the Gondola ride across the Venetian Las Vegas   Florida   You have to believe me when I say it is one of the best places to visit in February. Florida is filled with beaches, and a mix of cultural influences, American and Latin, it will attract you with its art scene and beauty.   However, if you are someone who likes to party, Florida has the perfect night scene in South Beach. With an upscale crowd, delicious drinks, and music turning your head, visit Florida!    Simultaneously, you cannot miss visiting Walt Disney World, single adults and adults with children included. A perfect and enchanting destination for your February travel plans.   Things to Do   A must-visit to the Universal Islands of Adventure   Take a dive into the Discovery Cove   Go to the John Pennekamp Coral Reef State Park   Ready for Some Vacation?   So, are you ready? Get your bags in the backseat of your car or take a flight to visit one of these warm places to travel to in February! These places in the USA are all gems of places, giving you different flavors of travel. Additionally, you get a slice of life everywhere you visit.   Furthermore, you get to learn and see so much more. In February, the warm weather is the perfect gateway from your chilly weather, snow up to your boots!   Let’s plan a trip to one of these places and comment below about your experiences. Along with it, let me know by commenting if I have missed any warm place in the USA that you have visited and loved!  Also read Top 10 Most Popular Paraguay Food That You Must Try. Top 13+ Famous Wonders Of India That You Must Visit.

BY  Abdul Aziz May 1, 2024

Many of the countries in South America are popular for their exquisite and varied cuisine. However, the practices of Paraguay food are not known to many. The Paraguayan Cuisine has been influenced by the local indigenous tribe’s culinary traditions and practices brought by immigrants from Spain, Italy, and Portugal. Being a foodie myself, I love traveling around the world to have a taste of every new variety of food that the world has to offer. Visiting remote areas, meeting with new people, and trying out their traditional dishes is what I have always loved! I was also in your shoes when I first landed in Paraguay, a bit startled and confused. Although, as I began to explore, my first meal at a fancy restaurant in Asuncion changed my entire perception of the state.  Tid-Bits About Paraguay Food Classic Paraguay food includes some of the most exclusive dishes that are bound to beat any of the Peruvian or Argentine preparations. Traditional culinary elements in Paraguay food recipes consist of meat, maize, vegetables, manioc, cheese, fish, milk, and even fruits.  ‘Asado’ is a local term used for barbecue, which is referred to as both a cooking practice and a social event. In Paraguay, barbecuing is the most important mode of cooking their traditional Paraguayan food dishes.  Here in this article, I will elucidate the best dishes and popular foods in Paraguay that you must try in Paraguay this year. The Paraguay famous foods excite your taste buds and have an experience like never before.  1. Kivevé You will be stuck in a dilemma whether to count this as a main course or a dessert. Kieve is the most popular and loved Paraguay food. It is a vegetarian dish that is cooked out of andai (a type of juicy pumpkin), cornmeal, Paraguayan cheese, milk, and sugar. Kieve is a typical food in Paraguay. It has a very creamy and light texture and is orangish in color. This rich-flavored delicacy is served lukewarm and is often consumed as a side dish or even main meal, at breakfasts, and as an evening snack. 2. Chipa Considered a staple Paraguay food, Chipa is a simple bread roll that was invented by the local indigenous people in the 18th century. It is a bun that is made out of manioc or cassava flour, lard, and anise, and beaten eggs and cheese. There are different versions of Chipa available, varying over the regional influences. The bread has a very crunchy crust due to the addition of lard. The crumb is soft and has a unique flavor. It is prepared and consumed by every household in the state.  3. Bori Bori Bori-Bori (Vori-Vori) is a nutritious and flavorful thick soup that is prepared out of vegetables such as carrots, celery, onions. It is filled with meat (chicken or beef) and dumplings of cornmeal plus cheese. The prime flavoring ingredients in this soup are bay leaves, cloves, and parsley. The addition of saffron to this hearty broth makes it even more flavorful and rich golden in color. It must be served piping hot, garnished with some parsley and Paraguayan cheese on the side. It is especially popular during the winters.  4. Sopa Paraguaya This specialty is not what it sounds like. Even though SOPA translates to soup in the local language, it is not at all in the vicinity of any soupy preparations. It is the national dish of Paraguay, which resembles a cakey thick bread.  It is crafted out of cornflour, cheese, milk, and eggs. The flavor is inculcated through the use of onions and pork fat. It is usually baked and is often termed solid soup. It has a soft and crumbly texture and is served on special occasions as a side dish.  5. Mbeju Mbeju, when translated to the local Guarani language, means cake. It is a very simple and staple Paraguay food. It is a kind of starchy pancake that is prepared with cassava flour, salt, oil, milk, eggs, crumbled cheese, and even pork fat. The dough is kneaded well and rolled out thickly like a pancake. It is then fried in hot oil. It is usually consumed during breakfast, sometimes dinner, alongside a bitter herbal tea or coffee.  6. Soyo This is another popular Paraguay food, which is a thick unpassed soup. It is made with beef grounded in a mortar, rice, and vegetables, including green peppers, onions, and tomatoes. Soyo is another good example of Paraguay’s famous food.  The dish is flavored with garlic, parsley, oregano, salt, and pepper. The name is derived from the native Guarani phrase so’o josopy, meaning crushed meat. A whole bowl of soyo can be considered as a complete meal and has a high calorific value. Also Read: Unmissable Attractions In Surabaya 7. Tereré Since the climate in Paraguay tends to grow hotter every summer, Terere acts as a relief to many. It is a cold-brewed herbal tea that is bitter in taste and is commonly known as yerba mate.  Terere is one of the essential elements of export, and the natives can be seen carrying around a thermos flask, guampa (a spherical mug), and bombilla (a silver straw) everywhere they go. It is a very healthy and refreshing drink and has high caffeine content. 8. Dulce de Mamon Here comes our most awaited syrupy sweet dessert in the list of top Paraguay food you must try! Dulce de Mamon is one of the oldest and most traditional preparations of Paraguay, which has only two major ingredients. It is cooked by boiling small cut wedges of papaya in sugar syrup. The mixture is simmered for almost 2 hours in order for the papaya to achieve a soft texture. You can even add some cloves, lemon zest, and a little orange juice to enhance the flavors.  Also Read: 3 Intriguing Reasons To Cruise In Alaska 9. Pira Caldo Another most favored Paraguay food includes Pira Caldo. It is basically a light fish stew made with freshwater catches such as surubi, mandi’y, and tare’y. I have never in my life tasted such meaty textured fishes with a tinge of saltiness in them. Initially, vegetables such as onions, tomatoes, leeks, celery, bell peppers, and carrots are fried in pork or beef fat and are cooked with other spices. It is then combined with milk and soft white cheese to improve the thickness and flavor. 10. Bife Koygua Bife Koygua, or hidden steak as it is known, is another popular Paraguay food that is a must-try.  It is a heavy preparation in which the beef steaks are covered with onions and tomatoes. Hence the name. According to the local language, bife means beef, and koygua means shy or hidden. The recipe calls for the steak to be pounded first with spices, then fried with onions and topped with tomatoes. Towards the end, an egg or two is added at the top, and the dish is garnished with parsley. Puchero Paraguayo Recipe The Paraguayan version of a traditional meat stew is called Puchero paraguayo. This stew has its origins in Spain and is now prepared in several countries throughout South America and the Philippines. The name of the stew, Puchero, comes from the Spanish word meaning "stewpot". Course: Main Course Cuisine: Latin American, Paraguayan Servings: 4 people Author: Nita Ragoonanan Ingredients 1½ lb beef (skirt or flank steak, cut into pieces) 3 cloves garlic, cut in half 1 onion, chopped 1 green bell pepper, diced 2 carrots 10 oz. pumpkin, cubed 2 potatoes, cubed ½ cup rice 6 tablespoons olive oil Salt Pepper Equipment Pressure cooker Instructions To start, get a large pot and fill it with 10 cups (2.5L) of water. Add in some onions, carrots, and bell peppers, and bring it to a boil. Let it simmer for 15 minutes and season it with salt and pepper to your liking. Set it aside. Next, heat some olive oil in a pressure cooker and add in some garlic and meat. Saute over high heat while stirring constantly until the meat is browned. Pour in the reserved broth and vegetables and close the pressure cooker. Cook for 45 minutes on medium-low heat. While waiting, rinse the rice. After 45 minutes, open the pressure cooker and add in the rice, potatoes, and pumpkin. Close the pressure cooker again and continue cooking for 15 minutes. Frequently Asked Questions!!! (FAQs): Q1. What Is The Traditional Dessert In Paraguay? Ans: Mazamorra also known as Kaguyjy is one of the most popular traditional deserts in Paraguay. it is made of corn and sugar, mixed with honey or milk. Ka'i Ladrillo is a candy made of peanuts and molasses. Q2. What Is Paraguay's National Dish? Ans: Sopa Paraguaya is the national dish of Paraguay. it is similar to cornbread and made up of corn flour, pig fat, or butter, with cheese and milk. it is very spongy and is rich in calories and protein. Q3. What Is The National Drink Of Paraguay? Ans: Yerba mate tea is prepared with cold water. different variations of terre can be found in Brazil and Argentina. Its birthplace is Paraguay. Final Thoughts These are some of the most exotic preparations from Paraguay that made their way into my Top 10 list. Thanks to those Guarani friends that I had over there who guided me through to the best of their culinary traditions. And if you are hesitating about visiting this place, trust me, the experience is worthwhile. It is not only about their food but also their culture, traditions, and heritage. This beautiful country deserves all the appreciation in the world. You May Also Like:  Top 7 Places To Visit For An Asian Solo Traveler Top 7 Nantucket Beaches For Tourists In Massachusetts 10 Things To Do In Bogota – You Must Know Before Going