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  Sibashree Sep 30, 2024

Singapore is one of the top countries in dark tourism if you consider the market growth rate. The country, known as the “Asia Light,” was a British colony, and for them, it became a strategic commercial point. With British rule established here, it became a land of trade, fortification, and military activities. Further, in 1941, Singapore was hit by Japanese attacks. Remember, it was coordinated with the attack of Japan on Pearl Harbor. However, the British rule and the Japanese attacks are just the tip of the iceberg if you look at Singapore's war-trodden and complex political history.  Thus, you will find many sites in Singapore that tell the tales of tragic human incidents. Even if all the places for dark tourism in Singapore are not related to death, there is something mysterious or “somber” about them.  Moreover, the dark tourism sites in Singapore are the places to familiarize oneself with the history of the country, its political landscape, and human stories. THESE Are The Best Destinations For Dark Tourism In Singapore  Most sites for dark tourism in Singapore are related to WWII and Imperial Japanese attacks. Despite being a center of British fortification, it failed to protect itself from those ravages. Let’s explore the places that present Singapore when it was a British Colony fighting against Japanese invasions.  Kranji War Memorial Kranji War Memorial is a place to honor the people of the Commonwealth who died in World War II. It is heart-wrenching to see the names of the allies on the walls of the Kranji War Memorial. Can you believe that there are inscriptions of 24000 allies whose bodies were never found? Further, it is the burial of more than 4000 people who died in the Second World War.  At Kranji War Memorial, you must visit the following spots to remember the brave and lost souls.  War Graves Memorial Walls Singapore Wall State Cemetery Military Graves Singapore Civil Hospital Grave Memorial The Singapore Memorial is the highest point of this cemetery. This iconic structure has soldiers standing in attention, a plane’s wings, and the fin of a submarine.  Choa Chu Kang Cemetery | Another Dark Tourism Site Near The Kranji War Memorial  After exploring the Kranji War Memorial, you can bring out your adventurous spirit. The Choa Chu Kang Cemetery is less than 20 Kms away from the Kranji War Memorial.  The architecture of the cemetery has an eerie appeal. Further, passers-by from the area have often reported seeing women trying to board their cars.  In addition, many cab drivers have carried passengers to the cemetery. However, these passengers suddenly vanished into the air.  Pasir Ris Tower: A Ghost Tourism Site Near The Kranji War Memorial  Pasir Ris Tower, also known as the Suicide Tower, is one of the most haunted places in Singapore. According to stories, a boy with the special power to see spirits saw a person at the top of the tower. He climbed up the tower but got pushed down by someone. Even today, anyone approaching the tower has a strange feeling. The fear is so intense here that people have stopped exploring or ghost hunting.  Changi Chapel & Museum Changi Chapel & Museum is one of the best spots for dark tourism in Singapore because of its educational value. This educational center passes on the heroic stories of Changi that occurred during the Japanese occupation of the country. Further, the Changi Museum is dedicated to people who lived and died in the Changi prison during World War II.  Moreover, the Changi Chapel took inspiration from St George’s Church in its architecture. The prisoners of war (POWs) worked to furnish the church.  The Changi Chapel and Museum has a guide on wheels. Temi is a robot with the knowledge and information to help visitors navigate the museum and learn about the exhibits.  Changi, A Hub Of Dark Tourism In Singapore  Dark tourism is not just about places of tragic human history. Ghost tourism is an important category of dark tourism. When in Changi, you will come across some of the most haunted places in Singapore.  So, are you ready to walk into the shadows? Old Changi Hospital  The Old Changi Hospital was constructed for the treatment of British soldiers. However, under the Japanese troops, it became the house of the prisoners of war.  You can still hear the screams of these prisoners when you are near this hospital.  Changi Old Beach House The Changi Old Beach House is the site where the Sook Ching Massacre took place. Many visitors to this house have experienced screams, and they have seen blood stains on the walls.  Also, many have claimed to see violent paranormal activities at Changi Old Beach House.  The Battle Box The Battle Box was a British underground command center located at Fort Canning Hill. It functioned as a part of the Malaya Command headquarters. Further, the Malaya Command headquarters defended Singapore and Malaya during World War II. The site was restored in 2016. Further, it is a site that speaks about the true reasons behind the fall of Singapore during World War II. So, it is an important educational and tourist destination in Singapore today. Lieutenant-General Arthur E. Percival and Allied Forces decided to surrender to the Japanese Forces at The Battle Box. The surrender happened on 15th February 1942.  Haw Par Villa For me, Haw Par Villa is one of the scariest sites I have visited. According to Chinese mythology, there are ten hells, and Haw Par Villa mimics them.  However, the scariest thing about Haw Par Villa is that you can hear screams from this area at night. Also, many people believe that the statues here are real human beings covered in wax. Further, the local people call it one of the doors of hell.  Even if you are not up for its haunted story, you can visit this site to see the 1000 statues and dioramas. These structures are the best displays of Asian craftsmanship. Further, the stories of 10 hells presented here are the fusion of various Oriental beliefs and philosophies like Hinduism, Taoism, and Buddhism.  Haw Par Villa, or the ten courts of hell, are “the result of the mixing of four different religions and philosophies: Buddhism, Taoism, Hinduism, Confucianism.”Eisen Teo, the chief curator of Hell’s Museum Fort Siloso Fort Siloso gets its name from the Malayan word Siloso, meaning rock. It is the only coastal fort in Singapore and has played a significant role in the country’s defense. This fort has an on-site military museum filled with the memorabilia of World War II.  The most striking elements of the museum are tunnels, fortified military structures, interactive video documentaries, and wax figures. The wax statues at the Surrender Chambers depict British and Japanese soldiers.  Reflections At Bukit Chandu https://www.instagram.com/p/CgB2RnvOoDU/ Reflections At Bukit Chandu is an interpretative center for dark tourism in Singapore for educational and historical purposes.  Today, the Reflections at Bukit Chandu tell the tales of the Battle of Pasir Panjang in 1942. The Battle Point 226 here is a testament to how the Malay Regiment stood against the Japanese troops.  Malay Regiment began its journey only with a recruit of 25 people in 1933. Within 10 years, this “experimental company” was strong enough to combat the Imperial Japanese forces.  The Japanese killed a hundred men from the Malay Regiment, and a few more were butchered as they refused to take off their uniforms during the surrender of Singapore.  Reflections At Bukit Chandu commemorates and presents the sacrifice of the men in the Malay Regiment as they lived up to the “Ta'at Setia,” or “Faithful and true” motto.  You must explore the following collectibles at Reflections At Bukit Chandu. British .303-inch projectiles The entrenching set of the British Army Personal kit used by the British Army Bronze bust of Lieutenant Adnan Saidi Marseille roof tile Sculpture depicting the Malay Regiment You will find many publications on World War II at the visitor shop here. Moreover, don’t forget to read the poetry by Edwin Thumboo and Noorhaqmal Mohamed Noor to reflect upon the bravery of the Malay Regiment.  That’s it! Enjoy dark tourism in Singapore and explore various aspects of the country’s history. These places are beyond local or national importance as they are testaments to World War II, triggering human tragedy all over the world.  After you are done with your dark tourism in terest in Singapore, it is time for you to check some other opportunities at that place. For instance, consider tax consultancy services for all your tax requirements on a business trip in Singapore. Also read Top 10 Most Popular Paraguay Food That You Must Try. Top 13 Famous Wonders Of India That You Must Visit! [Updated 2024]

BY  Sibashree Dec 17, 2024

Are you ready to explore Dallas for the holidays? Winter is here, making your list of things to do in Dallas even bigger and better.  I was talking to a local friend, Mia. She just visited the Grapevine Bar at Butler Street last night with her boyfriend and she was all praises about the quirky bar getting into the festive spirit. She is my go-to guide whenever I need to know anything about Dallas. After knowing all she had to suggest for this weekend's fun, I also started my own research.  Being a scorpion and a number 7, I had to really  must have to get into the thick of it before I share an account of the things to do in Dallas with you.  While checking out the Visit Dallas social pages, I indeed found that Yellow Rosa Deep Ellum, a holiday pop-up bar, is promisesing a snowfall every 30 minutes. Further, the Dallas Zoo Lights look all more amazing with a festive spirit and nip in the air.  Moreover, if you are a music lover or want to watch live performances, you can attend a show at the Morton H Meyerson Symphony Center.  Want to know about more things to do in Dallas in winter? Here is a Tour and Travel guide to make your winter weekend more happening.  Things To Do In Dallas In Winter: Make Your Weekend The Most Happening Dallas, one of the warmer states in the USA, has a mild winter. Further, the temperature hovers around 2-14 degrees Celsius during these months.  So, the weather conditions in this Texas city’s conditions are just perfect for exploring and having all the fun. However, this time, Texas in winter can be even warmer with 40-50% lesser chances of rainfall or precipitation.  That’s great for people who want to visit Dallas to beat the chill this winter. Having said that, it’s time to check the best things to do in Dallas this winter.  1. Visiting A Holiday Pop Bar And Enjoying Snowfall https://www.instagram.com/p/CzuteZQo5_R/ The holiday pop-up bars in Dallas are the best place to visit when the holidays are happening. Seasonal spirits get high and you can expect the best Dallas delicacies during these days.  Again, there are venues like the Yellow Rosa Deep Ellum, promiseing you artificial snowfall every 30 minutes. This year, Yellow Rosa Deep Ellum has started the Christmas pop early, with the fun beginning on 21st November.  While soaking in the festive spirit here, you can try the best cocktails here, including Mestizo, Montenegro 75, Frozen Blueberry Mojito, Montenegro 75, etc.  The address of the Yellow Rosa Deep Ellum address is 2901 Commerce St, Dallas, TX 75226. Further, you can reach out to them at +1 214-300-5490.  2. Taking Part In The Dallas Zoo After Dark https://www.instagram.com/p/C5Rm1zprLTV/?hl=en With December setting in, the Dallas Zoo After Dark is waiting for you. It is scheduled on 12th December 2024, and it will take place between 6-9 PM.  Further, with lights from Reliant, the Dallas Zoo will glow in the darkness. You can take a stroll through the illuminated landscape. Also, as you take a stroll, don’t forget to relish the seasonal delicacies and drinks. You can even take part in the holiday games and events. Moreover, this year, Dino Projection and the Dinoland presented by Reliant  will are going to be the biggest attractions.  Entry Fee For the Dallas Zoo After Dark Wild LightsMembers: $25 Per PersonGeneral Public: $35 Per PersonParking: $12 Per Person 3. Taking A Ride On The Mline Trolley https://www.instagram.com/p/DBhQsNoRLUg/ McKinney Avenue Transit Authority or Mline Trolley allows you to explore the heritage of Dallas. These heritage street cars run every day, and you can ride these for free.  “Our mission is to link the past to the present, providing safe, reliable, and convenient public transportation within Uptown and Downtown Dallas.”McKinney Avenue Transit Authority Providing transit services for more than 34 years, the Mline Trolley has 400,000 passengers every year. Moreover, 35% of the riders use the trolley to explore the city. So, if you have to travel to Dallas like a local, you must enjoy a ride in these trolley cars. Moreover, you will find top tourist destinations like the Dallas Museum of Art and West Village on the route.  4. Visiting The Dallas Arboretum and Botanical Garden Address: 8525 Garland Road, Dallas Contact Number:  +1 214-515-6615 Hours Open: 8 AM to 5 PM The Dallas Arboretum and Botanical Garden is a 66-acre area with an extensive display of trees and shrubs. Further, this place looks resplendent with seasonal flowers in full bloom. Also, it is a chosen place for many educational events.  The Dallas Arboretum and Botanical Garden Entry FeeDaytime Entry - $22 (13-64 Years), $18 (64+ Years), $13 (2-13 Years), Free for MembersHoliday at the Arboretum at Night (6-9 PM): $22-$37 (13-64 Years), $20 (64+ Years), $15-$17 (2-13 Years), $13-17 (Members) However, attending “Holiday at the Arboretum” is one of the best things to do in Dallas in winter. It’s a special or seasonal event here, and the dates for this year are 13th November 2024 to 5th January 2025.  Reliant has already transformed the space into a winter wonderland. Now, it looks like a perfect Christmas Village with Gazebos. Furthermore, the event, celebrating its 10th year in 2024, is going to be even bigger and better.  5. Watching Concerts And Performances At Morton H Meyerson Symphony Center https://www.instagram.com/p/DAl3-3Qus04/?img_index=1 Address: 2301 Flora St, Dallas Phone Number: +1 214-849-4376 One of the greatest orchestra halls in the world, the Morton H Meyerson Symphony Center is a great place to visit during winter. Flaunting the best of modern architecture the Symphony Center also stands for inclusivity and equity in the field of music and otherwise. The building itself showcases a belief in touching and changing lives through music.  Nevertheless, this holiday season, the most prominent events at the Symphony Center are KINGS ReJOYCE! On 11th December, Christmas Pops on 12th-15th December, Christmas At The Meyerson on 23rd December, etc. (Please refer to the events calendar  forto know about more events.) Now that I have mentioned all the major things to do in Dallas in winter, I want to draw your attention to the local food scenario. Knife Steakhouse, Haywire, and Bowl & Barrel are some places you must explore to relish the festive cuisine. Also read Why Include Whale Watching In Your LA Itinerary. Traveling On A Budget: Tips For Affordable Adventures. From Cocktails To Kickflips: Must-Try Activities In San Diego.