Summer In Rome: Sleep, Do, See

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  Nabamita Jan 5, 2023

If the question arises of when can navigation rules be overlooked, then the answer is that they should never be overlooked. However, there are moments when you only have the option to ignore these rules. Certain situations and groups can ignore and overlook these rules whenever they want. To know them, too, scroll down below. What Do You Mean By Navigation Rules? For every water vessel traveling through water bodies, specific rules are enforced to see their safe travel. These rules are like the traffic rules, but except for roads, they are for the waterways and waterbodies. These navigation rules ensure the safety of the vessel and the passengers onboard from dangerous rocks, shallow waters, and reefs. When Can Navigation Rules Be Overlooked? The navigation rules are set in place to ensure safe and secure travel on water, but there are moments when these rules need to be followed sometimes. So the situations that can force the sailors to ignore the navigation rules are as follows. Crossing Dangerous Waters When you are crossing turbulent and dangerous waters, with the people on board being unsafe, the navigation rules can be overlooked; their priority is to protect the passengers. When it comes to sailors, during storms and dangerous turbulent waters, they are not bound to follow the navigation rules. They can easily overlook them. To Avoid Immediate Danger Who may depart from the navigation rules? The operators may need to depart from the navigation rules while trying to mitigate imminent dangers. While traveling over waters, danger can happen anywhere, and at any point, so paying proper attention to the navigators is essential. They are trained for any sudden changes in water and air direction. So if travelers and navigators predict something dangerous, they can ignore all the navigation rules. This is how they can keep the onboard passengers safe. When A Vessel Has Little Maneuverability If the captain and crew feel like the vessel is going through a little maneuverability, then they are allowed to overlook all the navigation rules for boats. It is more important to keep the passengers safe than to travel in a hazardous environment. When The Sailor Is Inexperienced It is important that navigators and sailors should know how to navigate their way around the water. That way, they don't end up endangering the lives of others on the vessel. To save time, these inexperienced sailors sometimes disregard all the maritime navigation rules that are in place. When can navigation rules be overlooked? – if you are a navigator or sailor, look back to your novice years. Sailing In Poor Visibility When a sailor is sailing in a situation with poor visibility, then the rules of navigation are ignored. If the radar is not working properly, then the navigation rules can be ignored. When climatic situations make it difficult to see, and visibility becomes a big issue, navigation rules are entirely ignored. That is when experience and intuition come into action. What Are The Basic Rules Of Navigation? The "rules of the road at sea," or navigation regulations, apply to all boats. These regulations clearly indicate when to pass, approach, yield, and overtake other boats. The International Rules for Preventing Collisions at Sea (ColRegs) and the fundamental rules of the water should be familiarized with by all boaters, regardless of the size of their vessel. For other masters to see your intentions, you should always move in a clear and deliberate manner. Never assume that the captain of a different boat will follow the rules; always be ready to prevent a collision. To prevent collisions with other boats, the Colregs provide clear signals for passing, approaching, giving way, and overtaking. These are the rules for boat traffic. Rules: Here are some of the basic rules of navigation that you need to be aware of when at sea: When navigating a river or channel, a boat must always operate on the starboard (right) side. You have the right of way when a boat approaches from your starboard (right) side. You have right of way if you approach another boat from the starboard side. However, you must act to avoid collision if the other boat does not yield. Each boat changes course to port (left) and changes course to port (right). Always assume that this is the case. You have the option of overtaking a boat from either side of the one you want to pass. But you have to stay far away from the boat you're passing. This is true for sailboats as well as powerboats. The sailing boat with the wind on the port side must give way when there are two boats with wind on opposite sides. The boat to windward must yield to the boat to leeward when both boats are facing the same direction. Sail usually triumphs over power. However, this isn't always the case. Due to their size, larger vessels, like ferries and container ships, are difficult to maneuver. By giving larger vessels a wide berth, masters of other boats, including sailboats, should always use common sense and good seamanship. What Are The Consequences Of Overlooking Navigation Rules? For those asking, "when can navigation rules are overlooked," it is essential for you to know that there are severe consequences for not following the rules. And some of the effects that may befall you if you overlook the navigation rules are listed below. They are endangering the environment. The ship and its onboard passengers can get lost at sea. With overlooking the navigation rules, a shipwreck is a strong possibility. A hazardous environment on the ship can create a dangerous place for the people onboard. This can lead to health issues and even death. The vessel and passengers can face legal trouble for not following the navigation rules. Read More: What Are The Different Types Of Cruises (And How To Choose The Right One For You)? Who May Depart From The Navigation Rules? The navigation rules are set up for everyone's safety and security, so not following them can be risky. However, some people ignore these rules to stay safe and do their work. Please scroll down to see who these people are, who can overlook the navigation rules whenever they want. Pirates And Illegal Fishermen For pirates, the rules of navigation don't apply. They are beyond any rules, which is why they are pirates. They do this so that law enforcement can't catch them, and they can run away free. That is the same for fishermen who are fishing illegally. Those In Imminent Danger The recent enforcement requires maritime law that the answer to the question of when navigation rules are overlooked is during imminent danger. Escaping a dangerous situation is much more important than abiding by the law. Read More: What Is Most Likely To Cause Someone To Fall Overboard? Research Vessels Marine life science research vessels can easily deviate from the navigation rules. The study is based on marine life and the ocean, so they need help to go by the navigation rules. Those Experiencing A Mental Health Crisis If someone goes through a mental health problem on a vessel, they can let go of the rules. Instead, they don't tend to follow them. In addition, if someone is emotionally distraught or under the influence of alcohol or drugs, they might not follow the rules. Wrapping Up! Now that you know the situations and people who tend to ignore the navigation rules, your question of when navigation rules can be overlooked is answered. In these situations, people don't regard such laws when they travel on international waters. So if you want to know more about this topic, we have more articles on our website, so browse through them, but first give us a like and comment below. Read Also: The Ultimate Hotel Tipping Guide Top 10 Best Beaches In Florida For Families Speed Boat Miami Tour – Sightseeing And Entertainment

BY  sagnika Mar 21, 2025

A perfect place for high-energy travelers, San Juan is quite a bustling place for a trip! If you are wondering is San Juan safe? Let me share with you a piece of detailed information about things to do in San Juan so that you can enjoy the vibrant place.   You know you can book one of the best Caribbean cruises to reach San Juan in Puerto Rico. I can bet you can enjoy one of the most vibrant vacation experiences of your life.   Additionally, the art museums, tropical beaches, historical places and sites, and salsa music make sure you have the time of your life when visiting San Juan. Let us go through the different elements that are necessary to establish the basic safety tips when traveling to San Juan.   Is San Juan Safe for Solo Women Travelers?   San Juan is quite safe for solo women travelers if some basic precautions are taken. I would suggest avoiding walking alone in unknown neighborhoods especially if they are poorly lit. Additionally, it is also important for you to learn the navigation of the city so, go through the maps to know better.   If you are walking at night, coming back to your accommodation, try to do that in a trusted group or with a friend. However, if you are solo traveling, you must know your route well. Yes, at times, the wrong place wrong time thing is true.   However, it is also necessary for you to be aware of the surroundings, limit your alcohol intake along with being careful when visiting pubs and bars. Let me share with you some of the safest places to stay, safest places to eat, and things to do safely.   Safest Place to Stay in San Juan   Let me share with you some of the safest places to stay in San Juan, Puerto Rico as a tourist. As a place, yes there are petty crimes and theft, but no place is completely clean. There might be some issues however, most places are safe for travelers, especially with some precautions taken!  Condado – a tourist-based area where the people are quite friendly and helpful to the tourists. Furthermore, with a thriving nightlife scene, this place is perfect if you can stay here.   Henceforth, visiting museums and other important places becomes easier. Let's not forget that you can hop to clubs and restaurants regularly if you stay close!   Santurce – One of the most populated areas of San Juan, this location is quite safe for you to book your accommodation here. Starting from museums, and art and music, you will get everything here. Admittedly, you will also enjoy the different types of cuisines available in this locality.   Things to Do in San Juan   If you want to enjoy visiting San Juan safely, let me share with you some of the coolest places that are worth visiting. History speaks here along with offering you some of the most picturesque places across the city.   Starting from the beaches to the streets, San Juan offers you beautiful places to explore. Let me share some of the things to do in San Juan, Puerto Rico for free! These activities will make sure you have the time of your life!   El Yunque National Forest   This place is beautiful, especially if you are a natural person, this is it for you. Go visit nature and check out those beautiful waterfalls. You can also hike through the rainforest experiencing some of the best places in San Juan.   You can take a guided tour, or you can venture alone based on your experience of hiking. I would suggest you take an extra set of clothes along with extra hiking boots because chances are you will catch rain when you go across the trail.     Ocean Park Beach   This is one of the most popular beaches in San Juan, as people visit this beach for swimming and surfing. A large beach that is accessed by the public is in the neighborhood of the barrio of Santurce in Puerto Rico.    There is a little restaurant at this beach, but you probably won’t get a lot of options. It is better if you carry your drinks and order something minimalistic from the restaurant and accordingly enjoy the beach vibe.   Cobblestone Streets   Beautiful museums, colonial churches, and architecture across the cobblestone streets will take your breath away. I am sure you will start admiring the place when you take a stroll across these streets.   The streets are paved with blue cobblestone pavers, the beauty of it will just make you stare. You can get amazing pictures along with learning about the colonial past of the Island from these cobblestone streets. La Fortaleza   A UNESCO World Heritage Site, La Fortaleza is a historic fortress. You can take a guided tour of this place. You can see the current residence of the Governor-General of Puerto Rico, there is also an arsenal here.   Furthermore, you cannot roam around the fortress at your own will, instead try to book the 30-minute guided walking tours across the place from Monday to Friday from 8:15 a.m. to 3:30 p.m. The tour is inclusive of the interiors of the fortress when the government is not in session and the luscious gardens.   Santa Maria Magdalena de Pazzis Cemetery   The cemetery is historically profound especially because it is filled with graves of significant Puerto Rican figures. Salvador Brau, Jose Ferrer, Rafael Hernandez, Jose de Diego, and others are all buried here.   You will find them one of the most beautiful places as the cemetery faces the Atlantic Ocean. It is all about the symbolization of the journey of the souls in their afterlife!   Food to Have in San Juan   Are you a foodie like me? Whenever I travel somewhere, what I find very necessary is to try the food that the locals enjoy. This shows how the way a place develops a relationship with the local food, the people, and the culture there.   La Placita de Santurce – With several bars and food stalls, this place is as lively as a festival, the market square attracts you like no other. One of the hotspots of Puerto Rico, both travelers and locals are attracted to this place.   La Factoria – This bar is popular and known for its creative cocktails such as espresso martini, lavender mule and lager beer, hijos de Borinquen, and others! A low-lit salsa-filled ambiance is quite homely with their delicious fish tacos, stuffed mushrooms, fried goat cheese balls, and others.    Chicharron - One of the most delicious tapas menus, this restaurant is one of the best places to taste the Puerto Rican malanga soup. Let's not forget to try the Mofongo from here.   Deaverdura - A small restaurant, giving a farm eatery vibe offers you some of the best pernil in San Juan. You also need to try the pollo al ajillo with rice, which is to die for. It is located right in the heart of the city; the lively Latin American restaurant gives you the perfect taste of local cuisine.   Molini’s - A hidden gem of a restaurant, the menu keeps changing every day offering you some of the best local cuisines. If you are looking for an authentic Puerto Rican dish, try their Arroz con gandules. You are in for a treat!   Safety Tips for Solo Women Traveler   The safety tips that I am sharing with you are from my experience as a solo female traveler! My experiences have helped me create a checklist for myself especially when I am traveling alone, both domestically and internationally.   Select your accommodation area in a well-lit neighborhood. This will ensure your safety even when you are returning late to your hotel or leaving early to visit a tourist place. Another thing to keep in mind, if you are walking alone, try to be on proper-lit roads, especially at night.   It is important to be aware of your surroundings at all times, even when in a crowd. I recently traveled to a crowded city in India, and I realized, that pickpockets and petty theft are most rampant in crowds. Even at night, you must be aware of your surroundings.   When using transportation, use reputable and trusted individual drivers and organizations for ride-sharing services, organized tours, and taxis.   Try not to flaunt too much in terms of clothing or accessories. For example, it is better if you do not wear expensive watches, expensive bags, jewelry, and large amounts of cash.   You must keep track of the weather in San Juan and check the forecast before you make the plans. It is better to be prepared especially because you are a visitor to the city hence, you might not get help whenever you need it. Better take precautions instead of worrying about what will happen later.   Wrapping Up!   In conclusion, when you visit San Juan, you must enjoy the beautiful places, enjoy the local Puerto Rican dishes, and experience their culture. And when you ask, is San Juan safe? You will know yourself if you keep all the safety tips discussed above in this blog.   Comment below on what you think is the must-visit place in San Juan and why. Furthermore, it is also significant for you to plan your trip, especially if you are traveling solo. Also read Top 10 Most Popular Paraguay Food That You Must Try. Top 13+ Famous Wonders Of India That You Must Visit.