A Complete Guide to Grand Cayman’s Underwater Wonders

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 Jan 22, 2025

International tourists flock to Europe in great numbers. The number is well above 700 million. Do you know Europe is becoming more popular as a tourist destination annually?  Breathtaking European Landmarks mold history, culture, and a holiday destination at once. To start with, there are architectural marvels in Europe. Alongside there are fantastic natural settings like the Giant’s Causeway in Ireland.  I always feel ecstatic when I’m on a Europe trip. I bet all travelers feel the same way. But I admit, it is impossible to cover all spectacular locations simultaneously. So, you must sort out some of the finest places you can cover in your trip.  Firstly, choose accessible locations. Secondly, go for connecting destinations to smooth and streamline your trip. Let me help you spot the most exciting places you must cover on your coming Europe trip.  1. Eiffel Tower – Paris, France What could be a better location to start your Europe trip? Around 75% of Europe's average 7 million foreign tourists visit the Eifel Tower each year.  European landmarks like this one always attract a mammoth number of tourists. After all, many people search for package European holidays to France. However, the prime reason is to see this incredible structure!  This monumental structure is the pride of Paris. But French tourism rests a lot on it. Meanwhile, the tower has already become a romantic destination. What’s more, it is a work of sheer artistic brilliance.  Things You Can Do?  To see such a site with the naked eye is a big tick to the checklist itself. Meanwhile, the Eifel Tower has a separate fanbase among young adults and romantic couples. You may also climb up the tower top.  When the panoramic view of the heart of Paris hits you, the feeling is different. Every day is a good time to visit the Eifel Tower.  Thirdly, you can enjoy a fancy picnic in the Champ de Mars with all that Parisian vibes. Based on license, permits, and rules, your entry ticket to the place may cost you €14,20 to €35.30.       If you don’t feel like climbing up, you may stand near the iron structure of the monument. Now tell me what would your visit to the Eifel Tower be like?  2. Colosseum – Rome, Italy The Roman Colosseum is indeed one of the best European landmarks. Firstly, the Colosseum gives a crude spark of ancient history. Secondly, it is a visual treat.  I can vouch there is nothing akin to the Colosseum in the world. Meanwhile, do you know the history of the Colosseum?  It is a gigantic amphitheater. People flocked there to see live gladiator battles. I was mesmerized by the seamless Roman architecture and engineering marvel when I visited the place. There’s a story oozing out from every wall you touch.  If you are imaginative like me, you might still hear the buzz of swords clanking, crowds rumbling, and the mercury rising.  When I last visited Rome, they had a Colosseum super saver offer on ticket options. Usually, the entry ticket price is 94.64 Euros. However, we got it at 44% off. Let me know the current entry price in the comments if you’ve been there recently.  3. Acropolis – Athens, Greece Are you a fan of Greek history and aesthetics? Then, nothing would seem more appealing than a trip to Athens. I paid for a trip to Acropolis last year. So, I will keep it on my list. Above all, it is worth visiting if it’s your first time in Greece.  However, Acropolis is no super-structure to amaze you. Instead, it is a cluster of temples in ruins and surrounding civilization. The place is 512 feet above the sea level.  I liked the Parthenon more than anything here. My PoV is the best sample of the inspiring Greek architecture. You should also know that sunrise or sunset is the best time to visit the place. The place is wrapped in marbles.  The place emits a serene glow when the lush golden streaks of sunlight fall on them. It’s the same, both times of the day.  4. Buckingham Palace – London, England While many associate Buckingham Palace with the British monarchy, it’s more than just a royal residence—it’s a cultural landmark.  On my first Europe trip, I covered Buckingham Palace. I feel all travelers should also do the same. The Guard ceremony is something you can't miss. Plus, there is a lot more to do here. Strolling around the palace gardens or admiring the grand façade feels special. Ithinkl that’s the best part about the European Landmarks. Most places are scenic and seem like an extension of nature.  What I liked the most was the regal British aura inside the palace.  5. La Sagrada Familia – Barcelona, Spain One of my favorite European Landmarks is Barcelona. True, I haven’t covered Spain yet. But I can say from my research that The La Sagrada Familia is the place to be, if you are in Barcelona.  I hope you also know about the legendary Antoni Gaudi, who designed the La Sagrada Familia. If you love aesthetics and found Athens praise-worthy, you will definitely love it here.  Usually, ticket prices don’t vary. But prices may be slightly higher during the carnivals. The baseline- thecoste of tickets will vary between 29 to 49 Euros. But one thing, the place is not free for children. Tickets for them could range between 20 to 42 Euros.  From what the visitors say, you need 2 hours to explore the space entirely. I am also eager to visit Barcelona and be here. The spires and the stained glasses primarily draw me. But it’s not the windows only. The complex facades also appeal to me.  6. Neuschwanstein Castle – Bavaria, Germany Straight out of a fairytale, Neuschwanstein Castle is as enchanting as it gets. Nestled in the Bavarian Alps, it inspired Disney’s Sleeping Beauty Castle, and it’s easy to see why.  The combination of its romantic architecture and stunning natural backdrop creates a magical experience. For the best view, hike up to Marienbrücke Bridge—you won’t regret it. 7. Grand Canal – Venice, Italy Venice feels like a living museum, but the Grand Canal is the show's star. Gliding along in a gondola or Vaporetto offers a unique perspective of the city’s architecture, bridges, and colorful buildings.  Each corner of the canal tells a story, whether a grand palazzo or a bustling market. It’s a slice of Italy you’ll never forget. 8. Stonehenge – Wiltshire, England Stonehenge is one of Europe’s most mysterious landmarks. These ancient stones, arranged in a circular formation, puzzle historians.  Was it a calendar? A religious site?  Standing among the stones, you can’t help but feel a connection to the past. Visiting during the summer or winter solstice makes the experience even more atmospheric. 9. Charles Bridge – Prague, Czech Republic Spanning the Vltava River, Charles Bridge is a masterpiece of Gothic architecture. Lined with statues and offering stunning views of Prague Castle, it’s a dream for photographers and romantics alike.  Whether you visit at sunrise for a peaceful stroll or in the evening when it’s bustling with street performers, the bridge has an undeniable charm. 10. Plitvice Lakes National Park – Croatia Nature lovers, this one’s for you. Plitvice Lakes National Park is a paradise of cascading waterfalls, crystal-clear lakes, and lush greenery. Wooden walkways wind through the park, allowing you to explore its beauty up close.  The vibrant turquoise waters are almost surreal, making it feel like you’ve entered another world. Planning Your Next Adventure Choosing which European landmarks to visit first might feel like a challenge (especially with so many incredible options). But the beauty of Europe is its accessibility.  Many of these destinations are just a train ride or short flight away from one another, making it easy to combine multiple stops in one trip. Whether you’re a history buff, architecture enthusiast, or nature lover, Europe has something to ignite your wanderlust.  So, which landmark is calling your name? Also read Top 10 Most Popular Paraguay Food That You Must Try. Top 13+ Famous Wonders Of India That You Must Visit. Top Tips For Motorbike Rental In Phuket – A Guide To Exploring The Island On Two Wheels.

BY  Abdul Aziz Dec 7, 2023

SnapTravel is an online booking website (and app!) that combines the ease of use and cost-free nature of online booking platforms with the advantages of a travel agent. Like any other online booking website, SnapTravel is essentially an online travel agent that allows you to enter dates and a location to find hotel and flight deals. Sometimes SnapTravel offers amazing deals because, similar to a travel agency, it has access to airline and hotel discounts that it can pass along to you. You are not charged for using SnapTravel's services. Additionally, using SnapTravel's product doesn't require downloading any apps, in contrast to many others. Instead, just like with any other booking platform, you input information straight into their website. Using various messaging apps, you can choose to converse with a bot as well. I looked into booking hotels, flights, and customer service through SnapTravel. My experience is as follows. Overview To begin with, SnapTravel recently underwent a rebranding and is now known as Super. Booking hotels is now a part of their Superbrand. In this article, I'll continue to refer to it as SnapTravel because Super Travel hasn't quite taken off yet. Hussein Fazal and Henry Shi, two tech entrepreneurs, founded SnapTravel in Canada in 2016. SnapTravel is a legitimate business with investors such as Steph Curry (I doubt he spends hours searching the internet looking for deals on flights for under fifty dollars!). It searches for the greatest hotel and flight offers for clients by fusing cutting-edge chatbot technology with an online travel agency's business plan. SnapTravel doesn't charge users for these services; instead, it accepts commissions from bookings made by users. Furthermore, SnapTravel occasionally sends sponsored messages to its customers, which may be paid for by partners, though I haven't seen this in any of our chats. Naturally, SnapTravel highlights this as a benefit by offering recommendations to clients for places to visit or accommodations. SnapTravel Reviews: My Experience And User Opinion SuperTravel is the new name for "Snaptravel Hotels." They are only using Messenger to make hotel reservations. SnapTravel has since added a more recognizable method to display their deals. SnapTravel hotel deals can be found by scrolling to the bottom or using a search engine. But I was unable to begin looking right away. They wanted to make sure I wasn't a robot when I first hopped on to look for a hotel. Okay, all right, I get it. However, SnapTravel approached this peculiarly. I needed to have a code texted to my cell. They can now send marketing messages as a result, which was a bad experience for me. SnapTravel User Interface You don't use a search engine to find the best hotel deals when you use SnapTravel. Rather, you use their AI chat to speak with them after searching to see what options are available. I found Travel Lodge when looking for the greatest hotel deals in Mill Valley. This search's first screen displayed a $6 off discount in pink at the top of the image. When I searched for the savings for three nights, I discovered that it was $11. Snaptravel ultimately revealed to me that I had saved $17.85. In contrast, I saved almost $9.88 when comparing this offer with the hotel's website. This still represents a 3% savings, which is excellent! The savings might be negligible if you only stay with one hotel chain and take into account other reward programs. Nevertheless, these vacation offers validate SnapTravel! The SnapTravel website is undergoing maintenance as I write this in order to make the switch to their new name. When you visit Super's website, you may be wondering where the flight deals are. Up until recently, SnapTravel was the only place to see the flights. Things have changed once more in the brief period of time since I tested SnapTravel. You will now receive a notification when you click that link stating that they no longer have a third-party carrier associated with them and that the third-party carrier they formerly worked with has ceased operations. Previous Setup Experience In any case, I had a bad experience with their prior setup. My flight search left me feeling let down for a few different reasons. Firstly, their website loads incredibly slowly! The last time I tried to use it, the page took more than 30 seconds to load. Perhaps that is why their website is currently undergoing maintenance. And it doesn't end there. Actually, SnapTravel wasn't offering low prices—quite the contrary! I had to confirm that they were accurate by checking again. When I entered my ideal travel dates from Los Angeles to Omaha into SnapTravel, they displayed a $440 round-trip ticket. On Google Flights, the same route cost $237! Additionally, these flights took place a week and six months in advance. I would like to discuss these flight costs with the support staff. It appears that they only do that for their hotel packages right now. What To Expect From New Setup Everything will eventually fall under the "Super" umbrella. With any luck, all of this work will be worthwhile and their prices will drop. I would have preferred to find fewer negative reviews on SnapTravel, but I did find some. Nevertheless, SnapTravel has an A+ rating from Better Business Bureau reviews! Not all of it was awful. There were some useful flight features on SnapTravel, such as the option to search for multi-city flights. They must, however, improve in this area or stick to hotels because there are numerous SnapTravel substitutes. I want you to benefit from my SnapTravel shopping experience. The best hotel booking experience comes from finding a good deal on SnapTravel and then checking other websites. Verify that the availability and price correspond with what you are seeing on SnapTravel. SnapTravel offers some deals, but they usually go through the messenger. As I previously mentioned, SnapTravel uses AI to assist you in finding these offers. They will send you these deals if you quickly message them on Messenger with your travel dates and destination. You can check out after you locate the reservation you like. You can even add a purchase to SnapTravel's VIP program at this time. User Experience "The good thing is how much you get these credits. When using them for the next ones, this is the cheapest booking site out there. Used snaptravel for some 15 bookings now, I will keep using this as long as they give that USD30/10% credits after booking." - mod3mkorv "We used it a couple of times with no issues. Planning to use them again. A lot of these 1 star reviews on the sites sound like people who paid for a non refundable room and then got mad when they couldn’t get a refund lol seems legit enough to me. We always book our hotels in advance though so I can’t attest to any issues that could come from booking last minute with them. We even had to cancel a trip we booked with them and they refunded right away. Only commenting because of all the bad reviews I see." - jfritz7915 "I only used them a couple times but got a great price and didn't have any problems." - crackanape VIP Program Free Upgrades Expedited Customer Support Free Booking Modifications 24/7 Concierge Service All of this is yours for just $30 for the first six months, with additional monthly payments of $5 after that! Wrapping Up SnapTravel can help you find amazing hotel deals and has its uses. Having said that, there are some disadvantages. Super, once they fix their SnapTravel flight deal page, is going to be a valuable addition to my collection of the best travel deal websites for trip planning.  It's a simple feature that can save you a lot of money to use their messenger to find the best hotel deals! SnapTravel's hotel deals are what really set it apart. Amazing savings can be achieved when using their SuperCash card to book hotels through SnapTravel. It's something that ought to be considered by all when making travel plans. Hotels.com is my preferred SnapTravel substitute. This is mostly because of their excellent hotel rewards program. You'll frequently receive a fantastic deal along with a one-night stamp. You can get a free night's stay worth up to the average of the ten hotels when you collect ten stamps! Read Also: This Is My Experience With Play Airlines! Here’s What I Found Out About Aha Airlines! Condor Airlines: Is Booking Tickets On Condor Worth It? Journey To The Skies: Exploring The Legacy Of Northwest Airlines!