Thinking Of A Fiji Cruise? Tips To Get You Started

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 Nov 11, 2024

The USA has much to offer with its natural abundance, wildlife, and historic and archaeological sites. National parks are the cheapest places now in USA. However, the USA also has beaches and small towns, allowing you to enjoy many marine activities and a quiet holiday. Further, the most affordable travel destinations in the USA are perfect for all types of tourists. You can be a solo traveler eager to soak in the unmissable energy of the country, or you can even be on a much-awaited family vacation.  So, let’s explore the options and hit the locations you will love! Cheapest Places To Travel Now In USA: Know The Budget-Friendly Destinations The tourism market in the USA is growing. By 2029, the tourism market in the USA is expected to reach a whopping revenue of US$214.40.  After COVID-19 impacted the tourism scenario of the USA and all other countries, these new figures are more than promising. Further, the USA has generated its tourism revenues through online sales, and it is likely to leave all other countries behind in the sales figures.  It’s time for you to experience the best tourism experiences the USA offers. Further, the cheapest places to travel now in USA are available for everyone, eliminating the budget hiccups.  1. Grand Teton National Park Location: Wyoming Nearest Airport: Jackson Hole Airport The U.S. News list for the cheapest places to travel now in the USA has Grand Teton National Park at the top. You can travel to this park from various parts of the USA by car.  You can fly to the Jackson Hole Airport and take a car ride from there. At this national park, the pocket pinch per person is just $35 in the form of entry fees.  The Craig Thomas Discovery & Visitor Center tells you about the unique history and geology of the park while you can indulge in the wonderful view of the Teton Range. At Grand Teton National Park, you can also participate in outdoor pursuits like hiking, mountain climbing, and kayaking.  2. Philadelphia, Pennsylvania Nearest Airport: Philadelphia (PHL) Airport Best Place to Stay in Philadelphia: The Logan Philadelphia, Curio Philadelphia, one of the cheapest places to travel now in USA, will introduce you to the history of the country. Taking a walk down Philadelphia’s Old Town is an experience that triggers goosebumps.  Further, Old Town is the first Heritage City in the USA, and it is the “birthplace of the nation.” Your budget here is not a constraint at all. You must explore the following activities to learn much with spending less than one can expect. The Liberty Bell The President's House (It was the original White House before the one now in Washington, DC.) Elfreth's Alley Further, Philadelphia is famous for its beer. You can tour the local breweries and beer gardens to cherish the best beverage.  3. Yosemite National Park Location: California Nearest Airport: Yosemite International Airport (FAT) Yosemite National Park stands out due to its rich geological features. You will find amazing glacier features complemented by large granite domes here.  May to September is the best time to visit Yosemite National Park. Further, hiking is the most popular outdoor activity in Yosemite National Park.  The hiking trails will take you to beautiful waterfalls, lakes, and mountain summits. As you take a walk through these trails, you will also encounter the wonderful wildlife in the park. While in Yosemite National Park, you can explore the following hiking trails. Upper Yosemite Falls Trail Nevada Fall via the Mist Trail Lower Yosemite Falls Trail  Mirror Lake Loop Moreover, as a UNESCO World Heritage Site, this national park is famous for rock climbing and stargazing.  4. Arches National Park Location: Utah Nearest Airport: Moab (CNY) Airport and Grand Junction Airport  As the name suggests, Arches National Park has some of the most amazing natural geological formations in the world. Further, the formation of these stone formations has a history of 65 million years.  Once you enter the national park, you will find more than 2000 stone formations. Further, these arches look surreal, bathed in sunrise and sunset lights.  You will love the following arches in the park. Delicate Arch North And South Windows Landscape Arch Navajo Arch Turret Arch However, Double Arch, the tallest natural rock formation in the park, collapsed in August 2024. It was one of the important geological landmarks in Utah and the USA.  5. Yellowstone National Park Location: Wyoming  Nearest Airport: Bozeman Yellowstone International Airport Yellowstone National Park, one of the cheapest places to travel now in USA, offers you the best wildlife experience. It is also a place to learn about human history as it tells the tales of Native Americans who lived here around 11000 years ago.  Moreover, Yellowstone National Park has been recognized as a UNESCO World Heritage Site because of its unique geothermal properties. You can visit the following spots and get drenched in geothermal water with healing properties. Old Faithful Castle Geyser Riverside Geyser Steamboat Geyser Furthermore, the most prominent wild animals you will meet here are elks, black and grizzly bears, American bison, bighorn sheep, etc.  6. Joshua Tree National Park Location: California Nearest Airport: Palm Springs International Airport Joshua Tree National Park is a great place to travel in the USA on a budget because 85% of this national park is still pristine wilderness. Further, with a history of human lives of 15000 years, Joshua Tree National Park has spiritual significance.  The Joshua trees, with their raised branches, reminded the Mormon pioneers about Joshua. Joshua stretched his arms to the sky and prayed for the Israelites. He also led Israelites to the promised land.  Moreover, being a pristine landscape, Joshua Tree National Park is great for stargazing. Pinto Basin, Hidden Valley, and Quail Springs are the best spots in the park for gazing at the night sky.  7. Glacier National Park Location: Montana Nearest Aiport: Glacier Park International Airport Sharing its border with Canada, this national park in the USA is a priceless mine of wildlife, fossils, and geological wonders. There is a reason why Glacier National Park is called the “Crown of the Continent.”   With 1,583 square miles of wilderness and 700 lakes, this park also boasts many hiking trails. To explore the best of the park, you must hit trails like the Avalanche Lake Trail, Highline Trail, Siyeh Pass, and Hidden Meadow.  8. Sequoia National Park Location: California Nearest Airport: Fresno Yosemite International Airport As you can know from the name, the giant sequoia groves are the main attractions of Sequoia National Park. Further, the landscape of Sequoia National Park is varied, and you can encounter a variety of wildlife creatures like mountain lions, bears, bobcats, and gray foxes.  You must pay $35 to enter the national park with a vehicle. Further, hiking through the trails and participating in the ranger-led programs will more than makeup for the fees.  9. Olympic National Park Location: Washington Nearest Airport: Seattle-Tacoma International With an area of 1 million acres, Olympic National Park has the best vistas of “glacier-capped mountains.” Further, it is the hub of outdoor activities like fishing, stargazing, and hiking.  However, the biggest attraction of the Olympic National Park is the different species of whales you get to see. The best months for watching whales in Olympic National Park are April and May and October and November.  10. Bar Harbor Location: Maine Nearest Airport: Hancock County-Bar Harbor Airport Bar Harbor, one of the cheapest places to travel now in USA, is a quiet seaside destination for anyone looking for a relaxing holiday on a budget. It is also the gateway to the Acadia National Park.  You will love the scenic views here while taking a stroll along the Shore Path. In addition, you can enjoy a family picnic at waterfront Agamont Park.  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.

BY  Nabamita Jan 16, 2023

If you are traveling to the Caribbean, then the best place you should check out was the Sandals Curacao resort, which is now finally open and is welcoming tourists and guests. All sorts of possible amenities and services are available for vacationers to utilize and take advantage of. The resort is like a global Caribbean gem on a beautiful island. If you are from a European country, then the resort is like a beautiful European city on the beautiful Caribbean Island, the resort has a beautiful old-European city. So if you want to book a room then hurry up, as the resort is getting filled up faster than ever. Sandals Curacao’s Basic Travel Information If you are planning to visit Sandals Curacao resort, then here are a few pieces of information about the Sandals royal curacao. These information will be going to help you to know more about the surrounding area. Where Is Curacao? The Sandals Curacao is an island in the Caribbean, on the coast of Venezuela. Curacao island is among the “ABC” island, which are Aruba, Bonaire, and Curacao, the island lies in the western Leeward Antilles. Recently, we were there on vacation doing some much-needed soul searching about a new business I’ve been planning to start. The only obstacle? An offshore merchant account. It was on my vacation that I found the help for starting an offshore merchant account - and for that reason Curacao will always remain special. Closest Airport global-uploads.webflow.com If you are going to The Sandals Curacao, then the nearest airport that you may reach is about 15 miles away from the resort. A round-trip to the airport is included in your resort booking as well. Best Time To Visit futurecdn.net If you are going to visit the island then you should definitely avoid the hurricane season, as hurricanes can be very dangerous and devastating. But other than the hurricane season, the whole year is perfect for you to visit. Sandals All-Inclusive Resort Amenities sandals.com In the Sandals Royal Curacao resort, there are a lot of room options and other luxury amenities that are available in the resort. So when you check out their website and click on book now, then you will be able to see all the detailed information about the amenities offered. If you wanna know a few of the luxury amenities that are offered by the resort then, they are given down below. Room Options sandals.com In the Sandals Curacao Resort, you will find 24 separate room options, and it has two newer signature suites along with the already three category levels. These three different categories are Butler, Club, and Luxury. Top Picks For Honeymooners sandals.com If suppose you are celebrating certain special occasions like your anniversary or honeymoon, here at the Sandals Curacao resort, then there are special rooms for you as well. Romantic seaside or poolside bungalows. We also have, “Love Nest” suites which are one-bedroom, with an all-inclusive luxury butler service. New Butler Bungalows cdn.sandals.com The newer Awa Seaside Butler Bungalow and the Kurason Island Poolside Butler Bungalows are built which provide even more privacy and other luxury amenities. Like 24-hour room service, a private patio, a sun deck, sun loungers, a personal butler, soaking tubs, and many more. Top Picks For One-The-Go Travelers aroundtheworldl.com If you are the type of person who loves to travel around and visit all the hotspots, then there are beautiful beaches, tropical gardens, and pools that you can visit and enjoy your time. Activities At Sandals Curacao Royals scuba.com So now that you have decided of going to the Sandals Curacao Resorts, then you should know the activities that you can take part in while you are exploring the island. Here are a few activities that you can explore in the Curacao resort, here are a few of them listed down below. Get Scuba Certified scuba.com You can easily get to purchase a “PADI eLearning course,” they are available if you want a scuba diving lesson. Scuba Diving scuba.com Here at the Sandals Curacao resort, you get an all-inclusive scuba diving program, but first, you need a scuba diving certificate for that, which is also available here. Special Butler Bungalows: Mini Cooper scuba.com If you are looking forward to exploring the beautiful island then we have a car service available, where you can get your own Mini Cooper for 3 ½ hours. The service includes gas, a guide map, and a beautiful picnic basket prepared by the resort. Sandals Red Lane Spa scuba.com No resort experience is complete without a spa treatment. Here at Sandals Curacao, we have a salt stone massage, couples massage, and many more of you to enjoy. Wrapping Up! So now that you have planned to visit the Sandals Curacao resort, then by now, you should check out the official website of the resort. There you will be able to find out more details of the resort, that is more specific. But if you liked this article, then give us a like and comment down below, that when would you like to visit the sandals Curacao? Read Also: is trip.com legit? Is it reliable? The Best Resort Spa & Wellness Island Experience! 3 Of The Best European Holiday Destinations For Wintertime Discovering The 11 Most Beautiful Places Of Adventure In The World