Things To Do In San Francisco With Kids In 48 Hours: Your Time Starts Now! 

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 16, 2023

Skiplagged is a legitimate way to reduce the costs of flight bookings. By booking a hidden city ticket, a person can save hundreds of dollars off the price of a single ticket for a flight. Even though useful, it has its fair share of controversies as well. Read this article to find out more information on skiplagged! Get Familiarized With Skiplagging Skiplagging refers to the general practice of booking a trip where the stopover is set as the destination where the traveler originally plans to travel. They use a "point A to point B" form of phrasing where a passenger would book a ticket that would take them from "point A to point C" instead, with a stopover at point B. Whereas the actual destination of the passenger is point “B”, and they leave the airport as the plane land in point “B”, leaving their seat empty from point “B” to point “C" portion of the journey. Tip: Is skiplagged legit? Well, it certainly is legit, but many airlines have opposed the services they provide and even tried to incorporate strict measures to counter them. It is just as good as Kiwi Flights. One-Way Endeavour skiplagged.com It is very important to keep in mind that skiplagging won't work if the traveler wants to travel with checked luggages. After all the checked luggage is tagged to go through to the final destination (point C). If someone still tries it, then there would be severe consequences as the airline would then have to offload the checked baggage after coming to the realization that the boarding pass wasn't scanned for the second half of the journey. Additionally, this practice would actually work on a one-way flight. That is only because an airline would definitely cancel the return tickets for the traveler after it realizes that they never did complete the first portion of their journey. Controversies Airlines absolutely hate this practice of booking skiplagged flights and have also tried to shut it down. This is why the United Airlines and Orbitz teamed up to sue skiplagged back in 2014. After which, they lost their legal battle against Skiplagged. Then the airlines turned their attention to punishing the passengers for even engaging in this practice by certain rules and regulations. Skiplagged Interface To use their services, one can head over to their site skiplagged or even download the skiplagged app. The tagline of their website states “ Ridiculous Travel Deals That You Won’t Find Anywhere Else”. The interface of their website is very easy to navigate. One needs to create an account to get started with using their services. There are four options available to select from (situated at the top of their site) - skiplagged flight, Hotels, Rewards, and Cars. They have also been featured in BBC, CNN, Buzzfeed, The New Yorker and many other famous publications. Benefits Of Using Skiplagging Here are a few loopholes that Skiplagged has uncovered and that can save travelers a significant amount of money. 1. Virtual Interlining Fares The search engine of Skiplagged also shows the VI or Virtual Interline fares. These are the fares that are known to combine all the flights between the airlines that are known to not have a direct relationship. For such instances, the traveler needs to check back in between the various carriers. While in some cases, especially for international flights, the savings could be of thousands of dollars. 2. Unique One-Way Flight Combos Skiplagged has a very sophisticated and powerful flight search engine that is always searching for unique one-way combinations that travelers could use to book and get a great final price for a round-trip flight. The other travel sites, either are not able to package these one-way flights together due to the limitations that are imposed on them from the airlines. Or it could be that these flights are using very old technology which are full of limitations. 3. Hidden-City Flights Under this particular loophole, a user books a flight to the destination city that is actually the airline's layover city. For instance, a user might try flying from Austin to Boston, and all of the flight prices would show as $500. However, there could be an Austin to New York flight with a layover in Boston for $200. In this case, the traveler can get out in Boston, saving themselves $300. It is to be noted, though, that one can't check a bag. Skiplagged Reviews Here are a few skiplagged reviews left by people who have used their services: Your site is easy for me to navigate and my history with "Skiplagged" has always been pleasant with the least bit of problems. – Pierpont Geer Skipped lagged just saved me 300$ on a trip that was originally 480… goddamn i didn’t believe it would be this crazy – Jay Leyva Just because you have money to spend doesn't mean you have to. Skip lag is always help me find the best flights at the best prices! They are always my first go to. – Shantael C. Rates are way better than booking directly, even with added protection... easy booking process... just so simple!! Well Done Team Skiplagged!! – Nik Bali You guys are a reminder to me that it pays to check the availability and price of a flight several times. Also, your website and prompts couldn't be clear, convenient or easy. Now, I'm going to book 2 more additional flights, and I hope it's just as easy and reasonable. Thanks! – Mike To Wrap It Up! If you are thinking of using their services, then by all means, go ahead, as they are 100% legit. But you do need to keep in mind that the services they offer are opposed by most airlines. Hence, you would need to counter-check the guidelines of the airline that you are going to book at. That was all for information regarding skiplagging and its benefits. Thank you for reading up till here. I hope you found the information useful. Let me know in the comments your thoughts on the same. Read Also: Everything About Breeze Airways: Breeze Airways Reviews, Features, And More! Using Flightscanner To Find Cheap Flights In 2023? All That You Need To Know! The Ultimate Guide To Finding Cheap Flights To Chicago Using Google Flights Aainflight Review- Login, Services And Travel Experiences

BY  Abdul Aziz Oct 5, 2023

Going on a hike up the infamous Stairway to Heaven Hawaii on the island of Oahu calls for in-depth preparation on your part. It is one of the most dangerous hiking trails. It is also known as the Haiku Stairs. In this article, you will find information on the hike’s history, current status, alternate routes, incline, security, distance, best weather conditions, helpful gear, and a guide to get there. History Of The Stairway To Heaven Hawaii lifeonearth.com In 1942, contractors for the U.S. Navy began the construction of the Haiku Radio Station. It was a top-secret facility that transmitted radio signals to Navy ships that were operating in the Pacific. To get the right altitude for the antennae, they stretched them across the haiku valley, which is like a natural amphitheater. You might still see the remnants of the wooden ladder beside the new metal steps. The radio station was commissioned in 1943. A stronger transmitter that could relay powerful signals was necessary. This could not be done with the vacuum tube technology used at the time. So they chose to go with an Alexanderson alternator, which uses a huge device that can generate powerful yet low-frequency radio signals. It would need a large antenna. When the Naval Air Station Kaneohe Bay was transferred to the Marine Corps around the 1950s, the U.S. Coast Guard used the Haiku Radio Station site for an Omega Navigation System station. In the mid-1950s, the wooden stairs were replaced by sections of metal steps and ramps. The total number of stairs stood at 3,922. The Coast Guard did not stop hikers in the 1970s but had to stop after it featured in the Magnum P.I. movies, which increased the number of visitors. The station as well as the trail have both been closed to the public since 1987. Recent History In 2003, plans were made to reopen the stairs to the public, and the cost incurred to repair the stairs was $87,500. The public access being shut down, residents found themselves surrounded by unknown faces of hikers and tourists and litter all around. In early 2018, the City and County of Honolulu released a statement to not open the stairs to the public, showing liability concerns. Some hikers, however, continued to trespass, which only strengthened the local community’s resolve to keep the structure closed to the public. The Friends of Haiku Stairs, a volunteer group that aims to preserve the trail, pitched that there could be an alternative to a no-trespass, safe public access to the trail without taxpayer costs. The trail now is a disputed one with all its beauty and thrill. However, it has not stopped the locals, hikers, and travelers from stealing past the guards posted at the bottom of the stairs. This hike is a strong dose of adventure, climbing nearly 4,000 steps along an 18-inch wide staircase to reach an elevation of more than 2,000 ft. Incidents squarespace-cdn.com The hiking trail is not a site for any major injuries or accidental Stairway to Heaven Hawaii deaths on the stairs. There have only been minor incidences in the last decade. However, between 2021 and 2022, there have been more number of injuries and rescues of hikers trying to get to the top of the stairs. The rescues have mostly taken place for hikers going through the Moanalua Ridge, which is the longer and more difficult of the trails. Many hikers are rescued “near the Haiku Stairs” and not the Hawaii Stairway to Heaven itself. In 2014, 6 people were arrested, and 135 were quoted to have climbed the stairs. According to the City Prosecutor's Office, a criminal trespass in the second degree carries a $1000 fine. The Stairway To Heaven Hike Hawaii: My Experience The Stairway To Heaven hike on Oahu, Hawaii, is possibly the biggest attraction on the entire island. A grueling number of 3,922 stairs go up to the imposing mountain ridge. Most of the time, the incline is vertical, with only a handrail to save you from falling into the valley below. It sounds dramatic, but it is what it is. But it isn’t too dangerous if you are prepared for it. Distance: 2 miles or 3 km round trip Elevation Gain: 2,630 feet or 800m Duration: 2-3 hrs up, 1-2 hrs down We started out by being dropped off in the neighborhood at 2 am in the morning. It was a clear night with just a few light clouds hovering over the mountains. As soon as we got out of our car, a resident came rushing out of his front yard, yelling at us. Thus, startled by the old man, we hurried away to the “main entrance” to get our eyes fried with a beaming flashlight. The Trail We silently went off in the opposite direction toward an alternate entry point, keeping in mind that the old man quite possibly called the guard or the police to warn them about us. We were thrilled by the idea of being caught and afraid of being caught, actually. Walking through the neighborhood as quietly as possible, the barking of dogs totally blew our cover, making our presence known. We ran down the street to a small alley that led up to the hill. We had to cross over the barbed wire fence, which was close to a residential area. It is understandable why the residents are so annoyed with trespassers. From here, we had to steal past the knee-high undergrowth as quietly as we could go. We were nervous when approaching the guard, understanding that we had trespassed multiple sites that were strictly no-go. As we approached the red car of the guard, we found that no guard was around. We walked past it and towards the stairs. As we ascended the stairs, we finally felt relieved to think that the police or guards didn’t go after the trespassers on the stairs. On The Stairs change.org We felt much safer, and we could now enjoy our 3 a.m. hike along the Stairway to Heaven. In 2015, a storm damaged many parts of the stairs to the point where they could not support use. It is not dangerous per se, but it makes your ascension more thrilling. A few of the steps were loose, and we had to keep that in mind while treading on each of them. We did not have headlamps. We followed the full moon up the narrow and damp stairway. I managed to keep looking back to see the highway, which kept getting smaller as we went higher in order to reach platform one. Grasping the slippery railing tightly, we made our way to the second platform, where an abandoned cabin lay with old machinery inside. It looked straight out of a post-apocalyptic movie. Another two hours went by, and we almost reached the summit. The final section of the hike consists of boards instead of stairs, which make it a catwalk at 2000 ft. in the air on top of a sharp ridge. At The Top squarespace-cdn.com At the summit, we found an old cabin with huge antennae on top. We moved around the space on top among the clouds. We then returned to the bunker to wait for the spectacular sunset this place always has. Putting on a fresh pair of dry shirts and jackets made the experience much more comfortable while at the summit. The sky became a pale blue and then shades of purple. With that, the sun came tearing through the haze. It shone yellow and gold over the Haiku Hawaii Valley. Many others witnessed the sunrise along with us, who began their descent once the spectacle of the sunrise was over. One of the trails downward is the Moanalua trial, which is a 6-mile route, but you can miss out on the views. It also helps you avoid the guards if that is your main issue, but it is 3 to 4 times longer than other routes. The hike down was a treat for photographers. We were in no rush, so we got down at our own pace, taking in the views and shots for our socials. It feels amazing to have ascended in the dark and then descending in broad daylight. It took less than 2 hours to reach the bottom. We saw the guard’s red car where it was in the morning, but this time, we took the risk and did not avoid it. The Guard Below .journeyera.com Meeting guard, he joked, saying, “I’ve called the cops, they must not have come,” as he began laughing to himself. His sense of humor eased our anxiety. He gave us the look of get-out-of-here-before-you-get-caught, and we crept away on queue. The situation has become much more serious in the recent past, so the guards may not be as friendly as they were. Be careful if you go in 2023. At the final gate, we saw no signs of police or angry residents. We were free! We could not believe we had just hiked the Stairway to Heaven Hawaii! This is truly a place for one and all. It looks like the real version of Jurassic Park. It is dreamy as well as eerie. You can totally attempt this hike if you visit Oahu. Try to have someone who has visited before guide you through this hike if you visit here for the first time. Alternate Route thatadventurelife.com The alternate route is the Moanalua Trail. The route is 9.3 miles in length. It gets you all muddy and is not the easier option, either. It can help you avoid the guards at the beginning of the trail. But it is not hassle-free. It all depends on when you go and how well-prepared you are for any kind of situation. Things To Pack For The Stairway To Heaven Oahu Hawaii Hike Going unprepared for the hike is one of the biggest mistakes you will make. You must have the basics and stay prepared for bad weather. Here is a list of essentials you must consider among everything else. Arcteryx BETA AR Rain Jacket: This is the rain jacket of your dreams. They are super light. They will fold into the tiniest ball and save you from the harshest storm. Salomon X Ultra 3 Mid GTX Hiking Boots: For better ankle support on that 400-step long hike, waterproofing and toughened exterior are necessary for your boots. These Solomons can easily be your best buddy. Black Diamond Head Torch: In case you return incredibly late from your hike and it gets dark, a headlamp will help you as nothing else will. Keep this one handy for sure. Darn Tough Socks: These will be the most comfortable hiking socks you will own. They don’t wear out easily, either. They have a lifetime warranty. You simply send them with any sign of wear and tear, and they will replace it without further questions. Frequently Asked Questions (FAQs): Here are some common questions people ask about this hike, take a peek: 1. How Did The Stairway Come About?   The stairs were originally built in 1942 by the U.S. Navy as a top-secret facility to transmit radio signals to ships that were sailing in the Pacific Ocean. The stairs went public, deeming it fit until 1987, when it became dangerous due to disrepair. Residents of Oahu have fond memories of hiking up the stairway to heaven legally a long time ago.The city of Honolulu reportedly spent almost a million dollars in renovating the stairs and considered re-opening the stairs to the public in 2002. Resident complaints and safety concerns halted the re-opening, and the stairs have stayed closed ever since. 2. What Are Some Of The Other Places To Visit In Oahu? You could take a helicopter flight tour without the doors. The view from above will blow you away. A shark cage tour can ensure you don’t talk about thrilling adventures for another year or so. It will give the adrenaline rush like no other. Ecofriendly dolphin and snorkel tours are also available. Wrapping Up The Stairway to Heaven Hawaii trail is dangerous when seen from below. It is only when you undertake the hike (with proper planning and preparedness, of course) that you understand it is not as daunting as it looked. All you need is a thirst for thrill and sharp wit that comes in handy when you go face to face with adversity. There is also the added fear of strict laws around the hike, which will keep you on your toes. Let us know if you visit this amazing trail. And if you have questions or thoughts to share, please leave a comment below. We would love to hear from you! Read Also: Portals To The Unknown: Exploring Natural Gravity Vortex! The Perfect Getaway: Discovering The Closest Beach To Disney World! Walking On Sunshine: Exploring The Magic Of Vietnam’s Golden Hand Bridge!