Skiplagged Review- Login, Services And Travel Experiences

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 8, 2024

Are you a beach person? Do you want to visit beaches in Melbourne? Some of the beaches not only offer beautiful views but also help you have an amazing holiday. You can perform different activities such as swimming and surfing, organize picnics, enjoy a beach bonfire, and build a sandcastle! There are other activities, some of which are my favourites, such as kayaking, snorkeling, parasailing, and scuba diving! With unending fun times, you can also enjoy delicious food, especially if you are a foodie. Remember that when planning a beach trip, we must carry essentials such as sunscreen, sunglasses, hats, towels, water bottles, and others. Let me share with you eight of the coolest beaches in Australia, more specifically in Melbourne! You will not only enjoy it but make memories for a lifetime. 8 Beaches Of Melbourne, Australia, Where You Can Cool Off! Several Melbourne beaches are renowned for their beautiful visuals and numerous opportunities. I will list eight beaches where you can cool off and relax on your holiday. You will love the article if you love surfing, swimming, fishing, and other activities. There are several things to do in Australia, and I will help you decide on them! It would be best if you explored everything from sandy beaches to the delicious food joints across the foreshore of these beaches. In Australia, there are several opportunities that you can explore when planning your holiday. South Melbourne Beach Port Melbourne Beach, also known as South Melbourne Beach, is charming and offers a beautiful view. There is the tiny Prince's Pier, which is the perfect place for photography during sunset! You will get complete privacy if you visit this beach with your partner. People can go out on casual strolls along the stretch of sand! If you are a pet parent, this is a perfect place to take your pet out on a walk; even the locals do that. You can see people playing beach tennis or taking a cruise ship to visit other places! Visiting this beach is easier if you have less time. If you are a foodie, you can visit South Melbourne Beach to sample the delicious food there. Oceanside Pizza, Ocean 302 Bar and Grill, Sunnyside Cafe, and Billie's on the Beach are some of the restaurants in Australia you must visit. St. Kilda Beach Even the locals cannot avoid this beach, so if you are a tourist, how can you prevent it? You must visit St. Kilda Beach, which has the vibe of Bondi Beach. However, the camera and the crowds still need to be included. If you are a surfer, you must visit this beach because it is wave-free. One of the coolest places for water sports, paddle-boarders wobble across the ocean while the kite surfers enjoy to the best of their ability. You will see several palm trees surrounding the boardwalk where you can cycle with your partner, spending a romantic evening! On Acland Street, there are several trendy restaurants and cafes, which you must check out if visiting St. Kilda Beach. Also, please do not forget Luna Park, another significant attraction. Elwood Beach If you love a relaxed vibe when traveling to the beach, you can go to Elwood Beach! It is just around the corner from St. Kilda Beach, so if you want to avoid all the hustle and bustle, you can escape to this beautiful, classic sandy beach! The beach is not very far from the city; however, what is more beautiful? The CBD skyline looks mesmerizing, especially with that stunning view from the beach. Whether you are a vegetarian, vegan, or non-vegetarian, you will have all kinds of options, from cheesy empanadas to seafood such as oysters and kingfish!  You cannot miss the porterhouse steak; the service and deliciousness of the restaurant will transport you to heaven! Brighton Beach If you plan to visit Brighton Beach, let me tell you it is an ideal spot for surfers, sunbathers, and swimmers. One of the best beaches in Melbourne, Brighton Beach is a long stretch of beaches, and the boardwalk scenario is quite popular.  This area is also one of best places to live in Australia because it is a vibrant neighborhood. You can stay with your family or partner in residential areas on their sun-splashed streets and sandy beaches. On the foreshore of the beach, there is a line of eighty-two little brightly colored charming bathing boxes! You will fall in love with these multicolored boxes, which also ensure the beauty of the beach. The wave on this beach is quite decent, and there are several places for fishing. You can also not miss the restaurants, cafes, and galleries that are just a walk away from the beach. Even the market near the beach is quite popular! Gunnamatta On this beach, Gunnamatta, you can experience the full force of the Southern Ocean; hence, the ocean is harsh. However, with experienced surfers, this place can be a slice of heaven! You can also visit the Mornington Peninsula National Park near the beach. The beach is clearly dramatic, but thrill seekers will love the gigantic waves! Some food joints allow you to take consistent breaks based on your preferences. Dromana Beach With its clear turquoise waters, Dromana Beach is a perfect fit for places in Australia that will take your breath away. The best time to visit Australia is mostly during the summer months, and the swimming conditions at the beach are perfect here! You can go to different barbeque spots across the foreshore to hang out with your friends or partner. There is also a small fishing pier where you can perform a lot of fun activities! Several hiking trails surround this beach, which makes your visit more exciting and adventurous. Apparently, there is a stamina test which you can take especially with the nearby Arthurs Seat State Park! You can also take the Arthurs Seat Eagle gondola, which offers beautiful and incredible views of Melbourne's skyline across Port Phillip Bay. Williamstown Beach For the locals there, you must ask where" Willy Beach" is. This beach is just a few steps from the city. A popular beach, it provides some of the most spectacular views of the water and the horizon. From sailors and sunbakers to swimmers, this beach is a spot for many. If you are traveling from the train station, the closest beach to this is Gem Pier. This station offers some of the coolest unobscured views of the skyline. It is spectacular during the night, with teeming lights across Williamstown city! If you plan to visit during New Year's Eve, you can check out the beautiful fireworks across the town! Traveling from Sydney to this beach will take about 17 km (about 10.56 mi) by car. Mordialloc Beach The beach is not just a combination of water and sand but also a beautiful southeast suburb that offers resources and beauty. It is a charming seaside pocket with access to delicious food such as Tommy Ruff Fish Bar, Manow Thai, Doyle's Deck & Bistro, Braeside Brewing Co., and others. Sunny Boy Beach Club, a restaurant, is a combination picnic area, BBQ, and playground! A bike path runs directly to the restaurant from the beach. There is also a sturdy pier about 300 meters (about 984.25 ft) across the beach. A family beach, it is quite popular for huge families and groups of friends to hang out and enjoy themselves. So, if you are someone who does not like crowds, you should avoid this beach because, during the week, there is always a huge crowd here. Finishing Off... In short, these beaches are cool to hang out with and offer beautiful locales and visuals! These beaches in Melbourne fit the bill when it comes to hanging around the water on a sunny and warm day. After reading the blog, I am sure you are dying to visit these places when creating an itinerary. Check out our picks of the beaches in Melbourne, one of Australia's coolest places. An amazing experience is dedicated to you, especially when traveling to these places. Comment on which of the best beaches in Melbourne are already on your bucket list! Learn More Also: Top 10 Beaches In Sydney You MUST VISIT The Holiday Planning Trip: 4-Days Itinerary Of Queensland The Top Things To Do When Visiting The Great City Of Sydney Top Restaurants In Maitland Australia That Give You Culinary Delights

BY  Sibashree Aug 20, 2024

The Death Valley National Park has geological bounties that will make you feel more than alive. The “hottest, driest, and lowest” national park enjoys the juxtaposition of Badwater, the lowest elevation in North America, Eureka Dunes, the highest sand dunes in North America, and snow-capped Telescope Peak.  You can easily call the landscape of the national park dramatic, or an explorer can find it to be the most amazing outdoor playground with volcanic rocks, mountains, deep canyons, the highest sand dunes, and old rivers.  From the humming songs of the sand dunes to the soothing sound of the flowing stream, this place is music to the ears of the visitors.  No wonder that despite its extreme weather conditions, the park had an impressive 1,099,632 visitors in 2023. (Source) Death Valley Hiking Trails (Easy, Moderate, And Difficult) That Should Be On Your Bucket List  The hiking trails here come with varying difficulty levels. Here, I have discussed some of the most popular and interesting hiking trails with easy, moderate, and strenuous difficulty levels in three different sections.  Best Hiking Trails In Death Valley National Park For Beginners (Easy) Death Valley is not probably the first place you will think of as someone new to trekking or hiking. However, this national park has some trails suitable for beginners. Mesquite Flat Sand Dunes The Mesquite flat sand dunes, with a 2.3-mile distance, are the best creations of sand and wind. The enclosure of mountains works as a barrier to protect the sand from getting blown away.  The sand here creates ripples and dunes, and the area gets its name from mesquite trees found in abundance here. The Timbisha Shoshone tribe here makes flour from the mesquite tree bean pods. This variety of flour is sold in many specialty stores these days.  Mesquite Flat Sand Dunes is also home to nocturnal kangaroo rats and rattlesnakes. Badwater Salt Flat A vast salt flat covering around 200 square miles, it is the most surreal place in Death Valley. The lowest elevation point in North America, Badwater Salt Flat, was a large inland Lake Manly in ancient times.  The landscape looks interesting with geometric salt polygons. You can take an easy walk through the stretch and have a look at the imposing Black Mountains and Telescope Peak.  Moderate Death Valley Hiking Trails  Most hiking trails in Death Valley are moderate in their difficulty level. Here, I will give a brief overview of the most talked-about ones in the park.  Darwin Falls Hike Darwin Falls got its name from Erasmus Darwin French, an army physician. It is one of the very few perennial waterfalls in this national park.  The waterfall runs into a shallow pool with green vegetation around it. So, as you hike through this 2-mile trail, you will find many ferns, trees, aquatic plants, and amphibians.  Ubehebe Crater Rim Hike  View this post on Instagram A post shared by Grant Brittain (@jgrantbrittain) This hiking trail is around 1 and a half miles long. The trail looks easy. However, you experience difficulty when you try to get back to the Caldera Rim. Further, from the very beginning of this hike, you will experience unevenness in the elevation.  As you take the black trail surrounded by dark hills, don’t forget to catch a glimpse of the green vegetation, which is very rare in the national park. Here, you will also love the view of streaks of dark orange in the formations, along with loose white sand.  You can even hike deep down the crater filled with pyroclastic deposits.  Fall Canyon Death Valley This 3.5-hour hiking route comes with moderate to strenuous difficulty levels. Occasional flash floods form the narrow gorge and steep sides here.  The cave-like twisted passageways here look most amazing, and a touch of blue on the smooth granite walls adds a mystic charm to the place. The Badlands/Zabriskie Point Loop View this post on Instagram A post shared by Death Valley National Park (@deathvalleynps) The Badlands, the lowest elevation point in North America, is nature’s display at its best. Hiking to the Badlands includes hiking to Zabriskie Point, the most picturesque location in the park. It is also a favorite sunset and sunrise point, and you will love clicking photographs here.  After watching the Sunrise at Zabriskie Point, you can continue hiking through the Badlands loop, which is made of sediments. Walk for 2.7 miles to reach one of the most important geological terrains of North America. The terrain, with a rugged beauty, used to be part of an ancient lakebed.  Difficult Death Valley Hiking Trails  This national park has many challenging hiking trails, and exploring some of them demands technical skills. Here are the top three most difficult hiking trails to conquer in this park.  Telescope Peak Telescope Peak, with an elevation gain of 3,000 ft, is a round trip of around 7-8 hours. You can start trekking this route from the “Mahogany Flat Campground at the end of Upper Wildrose.”  This snow-capped mountain is a hikers’ paradise in summer. As you hike through the slopes and the forested areas and reach the peak, you will have the laurel of climbing the highest peak in the national park.  Further, the “ancient bristlecone pines,” wildflowers, and the panoramic vista of the valley from the top will take all your fatigue away.  Panamint Dunes Hiking to Panamint Dunes will be a delightful experience if you want to explore the remote parts of the park. The most immersive experience you can have here is camping in the soft sand, watching the night sky in its full glory. The hike (round-trip) will take around 5 hours, and the elevation will go up gradually. The sandy, uneven, and sometimes rocky landscape makes hiking to the top of four different dunes quite difficult.  Little Bridge Canyon With an elevation gain of 590 m, Little Bridge Canyon is a round-trip hiking route of around 5 hours. The Little Bridge Canyon has a red mouth, and as you reach there, crossing many minor washes, you will be surprised to find a rainbow of colors. Along with white stretches of Eureka Quartzite, you will also find red and bright yellow veins on the rocks. These colorful veins are formed by deposited iron oxide. Also, you will cherish the view of the sand dunes from Little Bridge Canyon.  Visit Eureka Dunes In Death Valley Eureka Dunes, the largest dune field in North America, is a must-visit place in Death Valley National Park. It rises more than 680 feet above the neighboring dry lakebed at the western base.  Things To Explore  You can camp at the Eureka Dunes Dry Camp, which is at the base of the sand dunes. This place is great for seeing the sunrise and sunset and experiencing the changing colors of the sand dunes with the rays of the sun.  A hike to Eureka Dunes is arduous due to loose sands frequently stalling your movements. However, once you reach the top, you will see the magnificent Last Chance Mountains with their limestone walls. Also, don’t forget to listen to the songs of the sand dunes. The experience is other-worldly, for sure. Further, it is hard to believe that a place like Eureka Dunes can have so much life and colors. You will love the Evening Primrose in a pristine white shade. You will also meet shining milkvetch (awaiting designation as an endangered species) and dune grass here.  Stay Safe Extreme heat is a major concern in Eureka Dunes or throughout the national park. So, choose your gear, sunscreen, hydrating solutions, and other essentials while exploring the Eureka Dunes. Further, October to April is the best time to be at Eureka Dunes as the temperature then remains bearable.  Stargazing At Eureka Dunes  View this post on Instagram A post shared by Death Valley National Park (@deathvalleynps) Moreover, Eureka Dunes is considered one of the favorite places for astrophotographers and skywatching enthusiasts. When you are at the Eureka Dunes at night, and you stare at the sky, you will feel like you are sinking in the world of stars and meteor showers.  Final Words  October to April is the best hiking season in the Death Valley National Park. Hiking during summer and spring, especially in the lower elevations of the park, can be very difficult.  Even during the months of winter, the weather conditions here remain dry. So, always carry treated drinking water and hydrating solutions with you while hiking in this national park, the quintessence of desert beauty.  Hiking in the park will allow you to visit the lowest elevation points of North America and the highest dunes. You can also conquer the snow-capped mountain peaks and the most vibrant trails made of colorful volcanic deposits. So, are you planning to visit this dramatic land anytime soon? Don’t forget to share your ideas with us!  Death Valley National Park FAQs  Which Trail Is The Most Scenic Drive In Death Valley National Park?  Artists Palette is the most scenic drive in Death Valley National Park. As the name suggests, through the 0.5 km trail, you can see rocks showcasing various colors. The splashes of green, pink, yellow, orange, red, and blue colors in these rocks come from iron oxides, chlorite, and other compounds present in the local volcanic deposits. So, this scenic drive truly tales the “volcanic past” of the park. While exploring this driving route, you can also catch a glimpse of the Black Mountains and serpentine white salt flats.  For the best experience, you can visit the Artists Palette during the Sunset or Sunrise.  What Is Special In Death Valley? Despite its extreme desert conditions (Death Valley recorded the highest temperature in the world in July 1936, and the temperature was 134 degrees.), Death Valley is a wonderful place to explore from autumn to spring.  Hiking through the vibrant canyons can be the most amazing outdoor pursuit in Death Valley. Hike to Dante’s View in the Black Mountains and enjoy the diverse landscape of Death Valley. Go for a trek along the 1.5-mile trail that follows the Ubehebe Crater rim. Have a look into the abyss, which is 600 feet deep.  Further, you can enjoy the best Sunrise and Sunset moments and a panoramic view of the adjacent area from Zabriskie Point.  You can even take a ride through the lowest elevation in North America, Badwater, with its salt flats and pools.  Moreover, when you are in this national park, you must have an encounter with the Mesquite Flat Dunes wildlife and wildflowers, which are in full bloom in the spring.  Where Is The Most Photographed Place In Death Valley?  Diverse weather conditions and intriguing geology make Death Valley a favorite of photography enthusiasts. You must have seen Zabriskie Point as the background for many posts on socials. This place is named after Christian Zabriskie, a noted figure of the Pacific Coast Borax Company. Zabriskie Point, close to Furnace Creek, has a vantage point that offers an amazing view of the park and the surrounding area. You will enjoy the view of the badlands with brown and yellow hills. Further, don’t forget to behold the salt flats covering the Death Valley floors. Zabriskie Point is also a great place to cherish the golden and red hues of the Sunrise and Sunset. When you especially look at the Manly Beacon from Zabriskie Point during the Sunrise or Sunset, you get an unforgettable view. Mesquite Flat Sand Dunes is another great place to click photographs if you are looking for a classic desert landscape. Also read Why Include Whale Watching In Your LA Itinerary. Traveling On A Budget: Tips For Affordable Adventures. Be Soothed And Meet History At Hot Springs National Park.