Some Of The Best Things To Do In Navarre Beach, Florida

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 Aug 20, 2024

Joshua Tree National Park, named after the crooked Joshua trees, is known for its endless hiking trails and desert ecosystems of the lower Colorado Desert and the Mojave Desert.  Further, the Joshua Tree is one of the few national parks in the USA to offer equally amazing daytime and nighttime experiences.  The geology of Joshua Tree is “interesting.” You will find Arch Rock and many other fascinating rock formations in the park. Wind power, erosion, and different weather forces have created many other spectacularly-formed rocks and other sculptures.  Hiking is the best way to cherish the beauty and splendor of this national park to the fullest. So, let’s know the tales from the trails!  Best Hiking Trails in Joshua Tree National Park Joshua Tree had an impressive 3,270,404 visitors in 2023, and hiking is one of the most popular activities in this park. Home to some of the best hikes in the USA, Joshua Tree also has many trails for kids and beginners.  Further, you can explore various short walking routes and nature trails like Bajada, Oasis of Mara, and Barker Dam in this park.  Here, I have curated some amazing hiking trails in the park across various difficulty levels.  Joshua Tree Hikes (Easy) The easy hiking trails in Joshua Tree are accessible in all seasons. To make the most of your hiking expeditions, you must start by 9 am in the morning.  Cholla Cactus Garden The Cholla Cactus Garden trek is easy, and even kids can explore it. It will take just 15 minutes to get completed. You will find the trailhead 20 miles north of Cottonwood Visitor Center. As you can guess from its name, the trail is named after the growing cholla cacti found in abundance here. Wear full-length clothes and closed-toe shoes and follow the trail to avoid getting hurt by the cactus thorns.  Discovery Trail You can start hiking this trail from the Skull Rock parking area. This easy hike will take you around 30 to 40 minutes. Catch a glimpse of the desert washes and boulders throughout the route.  Skull Rock  View this post on Instagram A post shared by Joshua Tree National Park (@joshuatreenps) Start hiking this trail early in the morning from the Jumbo Rocks Campground. You can even take the trailhead from the Skull Rock parking area, which is east of the Jumbo Rocks Campground. Skull Rock is one of the many unique rock formations you will see in the park, and it’s the highlight of this trekking route.  You can cover the trekking route within just one or two hours. A night-time view of the Skull Rock can offer you the perfect Halloween experience!  Moderate Hiking Trails Like the Channel Islands National Park and the Death Valley National Park, the Joshua Tree also has many moderate hiking trails. Here is a brief overview of some of the most amazing moderate Joshua Tree hiking trails.  Hi-View  The Hi-View trail, starting from the Northwest of Black Rock Campground, will require you to hike for at least an hour. However, based on the weather conditions, you may also need to walk for more than 1 hour and 45 minutes.  Once you reach the top of the steep ridges, you can enjoy a panoramic view of the entire park. Further, the iconic Joshua trees are found in the steeper sections of this trail.  If you feel tired in the course of your trekking, you can catch some rest on the benches across the park.  Mastodon Peak The Mastodon Peak trail starts from the Cottonwood Spring parking area, and here, you will experience an elevation change of 175 feet. To reach the granite mountain peak, you will have to pass through a rugged terrain.  You can complete the entire trek within 1.5 to 3 hours.  Split Rock Loop The Split Rock picnic area is the starting point for hiking this trail of 2.5 miles. You can complete the trek within two and a half hours. However, if you are a seasoned hiker, you can complete the safe route within 1 and a half hours.  On a spur trail of the Split Rock Loop, you will find a rock formation that looks like the profile of a human face. It is called the Face Rock.  Pine City  Go to the end of the Desert Queen Mine Road to find the trailhead of Pine City. The dense vegetation of junipers and pinyon makes this 4 miles long trail picturesque. It will take around 3 hours to complete the hike.  Strenuous Hiking Trails  These strenuous trails are not suitable for summer hiking. You can try conquering them in autumn and spring.  California Riding and Hiking Trail Stretching over 36.6 miles, the California Riding and Hiking Trail is a two-day long hike. If the weather conditions are unpleasant, the total duration of the hike can stretch up to three days.  As you hike the route from Black Rock Canyon to the park’s North Entrance, the amazing landscape of the Mojave Desert will charm you.  Ryan Mountain Hiking to the summit of Ryan Mountain is one of the most popular activities to do in Joshua Tree National Park. The trekking route has an elevation of 1,050 feet, and it stretches over 3 miles.  Despite being strenuous, this trail can be hiked in 2.5 hours. So, it is one of the most popular hiking trails in the park.  Willow Hole At the end of the Willow Hole trail, you will find the amazing willow trees. You can start hiking from the Boy Scout Trailhead located inside the park at the South end.  The sandy washes, Joshua tree vegetation, and famous boulder landscape make the trail amazing.  Short Walks And Nature Trails In Joshua Tree National Park View this post on Instagram A post shared by Joshua Tree National Park (@joshuatreenps) The short walks and nature trails of Joshua Tree are available for year-long hiking. These trails also have wheelchair facilities, offering the most inclusive experience to visitors.  It’s time to be familiar with some of these amazing nature walk trails.  Oasis of Mara (Oasis of Mara is the only trail in Joshua Tree that allows dogs. So, hiking this trail is surely one of the best things to do in Joshua Tree as a pet lover.)  Arch Rock Barker Dam Ryan Ranch  Bajada  Among these short walks and nature hiking trails, Cottonwood Spring is the shortest. You can finish the trail within just 10 minutes. Enjoy the view of cottonwood trees as you take a walk to the fan palm oasis.  Integratron: The Wonder Of The Joshua Tree National Park  Facts to Know Integratron is four stories high.Its diameter is 55 feet.It’s a 16-sided metal-free building.The construction technique used in it is called joinery.No nails or screws are used in the construction.It is made of non-ferromagnetic materials. George Van Tassel said that Nikola Tesla’s writings influenced the structure of Integratron.  The western half of the Joshua Tree National Park is on the Mojave Desert’s southern tip. UFOlogist George Van Tassel built “a time machine for basic research on rejuvenation, anti-gravity, and time travel” in the Mojave Desert in the 1950s.  This is a place where visitors are offered sound therapy that is believed to have the power to rejuvenate living tissues in human beings.  From the time it was built, this place has attracted reporters, visitors, artists, and spiritual minds.  George Van Tasse chose the Mojave Desert for building Integratron as, according to him, this place had a connection to the Great Pyramids in Giza. The proximity to magnetic vortices was another reason for choosing the site.  Final Words: Schedule Your Hike Right   March to May and October to November are the two best seasons for hiking in Joshua Tree. The park remains open throughout the year. However, the scorching and dry summer makes hiking impossible on many moderate and strenuous trails.  During summer, the daytime temperature of the park reaches around 100 degrees F, and the temperature falls to 75 degrees F at night.  Further, if you visit the park between March and May, you will see the wildflowers blooming. Also, in April, you can celebrate the National Park Week here.  In October, there are important events in the park, such as the Joshua Tree Music Festival and Pioneer Days. The temperature is also pleasant in the fall season, recording an average temperature of 80 degrees F and 50 degrees F at day and night. So, plan your visit to Joshua Tree right and share your travel stories with us as you return with the most amazing hiking experience.  Joshua Tree National Park FAQs  Is It Safe To Visit Joshua Tree At Night? Yes, it is safe to visit Joshua Tree at night. In fact, stargazing is one of the most popular activities in this national park. The roads in the park are marked, and there is strict patrolling on all roads.  However, this desert park is an important preservation hub for vulnerable ecosystems. Also, there are snakes and scorpions in the park.  So, camp in the park or explore it at night as a responsible visitor. It is safer to restrict your movements near the campsites at night.  Is Joshua Tree Worth Seeing? Yes, Joshua Tree is worth seeing, as you can hike through the California Riding and Hiking Trail, Pine City, Bajada, and many other amazing trails. As you explore these routes, you will come across a wide variety of flora and fauna.  Further, the Joshua Tree is an important preservation and conservation center for fragile ecosystems. In addition, this is a place where stargazing is an ultimate immersive experience. Other highlights of your trip to this national park will be exploring the Penguin Rock, Arch Rock, and other iconic rock formations. Moreover, indulge in a sound bath at the Integratron. Built by UFOlogist George Van Tassel, this dome-shaped place offers sound therapy that promises to rejuvenate living human cell tissues.  Can You Sleep Inside Joshua Tree?  Yes, you can sleep inside Joshua Tree, as there are nine campgrounds inside the park. The Hidden Valley, Belle, and White Tank campsites are available on a first-come, first-serve basis. However, White Tank and Belle campsites can remain temporarily closed during summer.  For the India Cove, Ryan, Cottonwood, Jumbo Rocks, and Black Rock campsites, you will need to make a prior booking.  In addition, you can try backcountry camping and consider putting up a tent in the campsites outside the park.  Remember, there are no restaurants and modern lodging facilities inside the park.  Can You See Milky Way From Joshua Tree? The International Dark-Sky Association, or IDA, has identified Joshua Tree as an International Dark Sky Park. You can get the best view of the Milky Way here.  Joshua Tree also has the darkest nights in Southern California. So, you will get to see the passing meteors, stars, and planets from this national park.  Stargazing from any part of the park is an amazing experience. However, there are also four designated stargazing spots in the park. These are: Quail Springs parking lot Hidden Valley parking lot Cap Rock parking lot Ryan Mountain parking lot Further, you can put up tents at one of the nine camping grounds, and among them, the Cottonwood Campground demands a special mention. 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.

BY  Sibashree Sep 30, 2024

When we hear the term “desert,” we usually imagine a place with sparse traces of life. However, Big Bend National Park is an exception, creating a home for elk, black bears, squirrels, rattlesnakes, and woodpeckers.  Big Bend National Park also has oases created by single strands of cottonwood trees. Further, ephemeral springs, rocky canyons, highland shrubs, junipers, and grasses have contributed to the biodiversity of the park. So, did you see something moving in the bush? Let’s find out what it can be! A Vivid Wildlife Thrives At Big Bend National Park  Along with a never-ending variety of mammals and reptiles, the Big Bend National Park has the most butterflies, birds, scorpions, ants, and bats.  Also, various species of animals here play an important role in the ecosystem of the park. Further, a rich and sustainable food chain here keeps the diversity intact.  Mammals At Big Bend National Park Home to 75 species of mammals, Big Bend National Park shows an extraordinary variety of mammals you can see. Further, it is hard to believe how the tiniest Western pipistrelle bat and the largest black bear can coexist in a space.  Nevertheless, along with bobcats, black bears, and javelinas, you will also get to see mountain lions, coyotes, gray foxes, bighorn sheep, aoudad, nutria, and elk. Further, among the petite ones, the most common species here are lagomorphs, badgers, squirrels, and ringtails. Birds At Big Bend National Park If you are a birder and want to make the most of your bird-watching experience here, you must be at the right spot at the right time. So, the table below shows the bird-watching locations in the park and which bird species you will encounter there. Rio Grande Village Nature TrailGreen KingfisherNorthern cardinalGreen heronGolden-fronted WoodpeckerCommon black hawkChisos MountainsBlack-crested titmouseMexican JayNorthern flickerAcorn woodpeckerCottonwood CampgroundVermillion flycatcherGreat-horned owlBlack vultureLadder-backed WoodpeckerDugout WellsSummer TanagerAsh-throated flycatcherWhite-winged doveInca doveGreat roadrunnerSam Nail RanchScaled quailPainted buntingPyrrhuloxiaYellow-breasted chatGreen-tailed towheeBlue CreekBlack-throated sparrowLucifer hummingbirdMourning doveBlue grosbeakCactus wren Also, spring is the best time to visit Big Bend National Park if you want to encounter the most colorful birds. Further, in this season, some of the rarest migratory birds flock to this desert park. So, late February to May is the best time for bird watching in Big Bend National Park.  Amphibians At Big Bend National Park You will find a wide variety of amphibians along the Rio Grande floodplain and in many other parts of the park. However, the amphibians here mostly are different species of toads and frogs.  So, here is a list of toads and frogs in this national park. Great Plains narrow-mouthed toad Couch's spadefoot toad Red-spotted toad Green toad Spotted chirping frog Rio Grande leopard frog Canyon treefrog Texas toad These toads are frogs found near the lakes and springs in the park. Moreover, if you are camping in the park or exploring the backcountry camping at Big Bend in summer, you will hear these amphibians’s loudest cries at night.  Reptiles At Big Bend National Park https://www.instagram.com/p/C9fH6jROWXa/?img_index=1 The Chihuahuan Greater Earless Lizard in Big Bend National Park is one of the most colorful reptiles you will come across. Further, the males display a riot of colors, with a touch of orange, green, yellow, and brown all over their bodies.  However, this desert park harbors many other species of lizards and snakes. Check out the table below to learn about these species.  Lizards in Big Bend National ParkTexas Horned LizardRound-tailed Horned LizardEastern Collared LizardGreat Plains SkinkShort-lined SkinkGreen AnoleSouthwestern Fence LizardCrevice Spiny LizardSnakes in Big Bend National ParkTrans-Pecos CopperheadWestern CoachwhipWestern Diamondback RattlesnakeMojave RattlesnakeBlack-tailed RattlesnakeMottled Rock RattlesnakeBaird's Rat SnakeTrans-Pecos Rat SnakeRegal Ring-necked SnakeSonoran Gopher Snake, etc. Turtles in Big Bend National ParkYellow mud turtleBig bend sliderDesert box turtleTexas spiny softshell The warm climate and extreme heat in the summer season have made Big Bend National Park ideal for the habitation and breeding of various reptiles.  Fish At Big Bend National Park Finding schools of fish in a desert park like the Big Bend National Park is a little astonishing. However, the park is blessed with the Rio Grande and its tributaries. So, you can see fish in the Terlingua creeks and Tornillo.  Unfortunately, nine species of fish in the park are now extinct. Still, it has varieties, such as Big Bend Gambusia, catfish, largemouth bass, longnose dace, bluegill, green sunfish, and blue tilapia.  Do you know that the last American Eel was taken from Rio Grande in 1954? Further, Big Bend Gambusia is an endangered species, and it is now only found in a protected pond close to the Rio Grande Village.  Also, the invasive species of blue tilapia has now become a pest. So, many organizations are now against the further spread of this species.  Insects At Big Bend National Park  The two-tailed swallowtail caterpillar is the most adorable insect in the Big Bend National Park. Other insects found in the national park are black beetles, whirligig beetles, and yucca moths.  Yucca moths play a crucial role in the ecology of the Big Bend National Park. It is responsible for pollinating the creamy-white yucca flowers that bloom at night.  Further, in the Chisos Mountains, you will find beebrush plants where bumblebees, honey bees, and other species of bees roam around. Moreover, in the summer, you will find ladybugs on the peaks.  Other insects found at Big Bend National Park are: Tarantula hawks Millipedes (mostly seen after a rainfall) Diplopoda or two-footed insects Diplopoda is very vital for nutrient recycling in the Big Bend National Park. It creates burrows in the ground of around 1 or 1 and a half feet. Further, they feed on plant remains to return essential nutrients to nature.  A varied geology, including a river corridor, mountains, acres of Chihuahuan desert, and oases, has made Big Bend National Park rich in wildlife. This desert park has around 75 species of mammals and 450 species of birds. It is also home to more than 50 species of reptiles and many amphibians.  So, for a wildlife lover, this desert park in Texas is a sheer delight! Also Read Top 10 Most Popular Paraguay Food That You Must Try. Top 13 Famous Wonders Of India That You Must Visit! [Updated 2024]