Unique Things To Do In Savannah, GA: 7+ Best Ideas (With Tour And Travel Tips)

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 Jul 21, 2025

Travel is all about enjoying the sunny weather with the light breeze blowing away your hair. But, unlike a sprinkle, torrential rain can literally ruin your entire trip. Making it one of the worst memories. So, it is kinda wise to check the rainy season prior to visiting that place. This way, you can avoid unnecessary hassles and know when to travel and what to do during this time. For instance, Bangkok’s rainy season spans from May through the beginning of November. And, when it rains there, it literally pours down buckets. So, be prepared to get stuck in some muddy puddles and flooded metropolis. Making it tenfold difficult to travel to your destinations or go for a city walk. But, if you are a rain lover, you should know about a few things before setting off to Bangkok. Here, I have brought you a complete guide on things to do in Bangkok’s rainy season. Stay tuned! Why Is Bangkok’s Rainy Season Considered Low Season? During the rainy season, the temperature drops to 26 degrees with humid weather. So, you will feel stuffy while traveling to tour spots. Moreover, the rain comes in bursts of torrential pouring. Turning the entire city into a flooded region. So, traveling or commuting becomes more difficult. And to top it off, the sky is mainly overcast with clouds all the time. Just killing the vibes. So, you won’t be able to enjoy the place. Naturally, this season earned the nickname of “Low Season” because of the mood-ruining weather and low tourist visits. What You Should Do In Bangkok’s Rainy Season? Here is a list of the things you need to do when you are stuck in Bangkok during the rainy season. 1. Wear Rubber Shoes The last thing you need is to walk around with nothing on your feet; wear strong rubber flip flops/sandals that are made for wet weather, and you will have no issues.  A sturdy umbrella is always a wise thing to carry around in the rainy season, while a plastic anorak with a hood will save you if you get caught in a tropical downpour.  Staying in one of the best hotels in Bangkok Sukhumvit puts you in the centre of the action, close to BTS stations. 2. Keep Your Digital Device Dry Buy one of those waterproof plastic bags for smartphones and store your device in there, along with paper money and your passport.  If you get caught in a tropical storm, your stuff is very likely to get wet, and with a few dry bags, your stuff won’t get damaged.  You can buy these online, and they come in packs of 10. Wear the bag around your neck and keep everything you need to keep dry inside. 3. Avoid Walking In Water Imagine being in the middle of a busy market, with stalls everywhere and electric cables in use; accidents can and do happen, so avoid walking in water whenever possible.  Some foreigners take off their shoes and walk barefoot, which we don’t agree with.  This is dangerous for many reasons. For instance, you could stand on broken glass, and a foot infection could follow. Thailand is the number one destination for wellness retreats. 4. Take Cover In A Shopping Mall If you are out and about and the heavens open, seek refuge in a nearby shopping mall, at least until the water has receded. A coffee shop would be the perfect solution, and they would welcome your business.  One place you should not take shelter is under a tree, as lightning is common in tropical storms. Also, you should not be holding an umbrella when thunder and lightning are happening. 5. Afternoon Showers Rain typically falls in the late afternoon, and when it stops, the sun quickly dries everything out, and you would hardly know it had rained.  It rarely drizzles in Thailand, the rain is heavy and the sun quickly returns. The exterior electrics in Thailand leave a lot to be desired and water and electricity do not mix.  Use your common sense when it comes to being in water and avoid any situation you think might be dangerous. 6. Use The Canal Taxi Boats A great way to get around in the monsoon season, using the electric boats is both cheap and fast; search with Google to find out where the different canals actually go. Bangkok has many canals that wind through the city, and they are frequent and safe. Rain And Bangkok: How To Enjoy A Flooded Trip? Even though the weather is not perfect, sunny, and beautiful one which highlights the natural beauty of Thailand, it is a peaceful time to visit Bangkok. However, going there without taking the right precautions can make it a frustrating trip. So, make sure you pack up your rainy gear to fight against the torrential bouts. Also, given that most tourists avoid the place during Bangkok’s rainy season, you will find the tour spots less crowded. Letting you to actually enjoy a place in peace. Mainly, the greatest and busiest attraction, Grand Palace in Bangkok, becomes a spot with relatively fewer people. So, you can spend some time enjoying the view and architecture without enduring the rushing crowds. Additionally, you can book tickets for the annual arts festivals in the International Festival Auditorium. Then, enjoy exploring different art forms and cultural excellence without wetting your feet in the rainy puddles. Along with that, you can go around Chinatown to dig into some of the mouthwatering delicacies. From exciting street foods to different flavored mooncakes, grab a bite of every kind of food. So, turn the wet trip into a memorable one with the right activities and fun-filled experiences. Just take measures to avoid the rain and indulge in a peaceful Bangkok tour. Read More: Exploring Southern Utah’s Hidden Dive Sites Haneda Vs Narita: Which Tokyo Airport Should You Choose For Your Next Trip? Three Of The Best Must-See Attractions During Your Time On The Thai Island Of Phuket

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