Unique Things To Do In Phoenix: Enjoying The Sun And Warmth Year Round (Approved By A Local Travel Expert)

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 4, 2024

Everyone likes beaches! They are fun and relaxing! Beaches in Australia are treasured, along with the culture of creating a business around it. They are some of Australia's biggest resources for economic development and growth regarding global recognition.   Not just tourists but also locals love going to these beaches; surfers, scuba divers, swimmers, and other water sports are available. Here, I will share with you the different elements surrounding some of the top beaches in Sydney, along with how the coastal stretch of sand offers you a beautiful overall experience.   Top 10 Beaches In Sydney You MUST VISIT! When you visit Sydney, you will see that there are dozens of beaches in and around it! With its huge coastline, it is a perfect haven for beach lovers and surfers. Why don't you read the blog as I prepare a list of the top 10 beaches you must visit when in Sydney? Starting from busy beaches like Bondi and Bronte, remote beaches like Manly Beach offer solitude. With all the activities and eating places spread across you, you will not only relax but also make beautiful memories. Just like beaches in Melbourne, these beaches will create beautiful memories for you! Apart from having the individual experience, you also learn to make memories by taking the beautiful visuals that nature creates on these beaches! Don't forget to take that beach photo in your hot pink bikini or flaunt your white floral dress while enjoying the sunset! Bondi Beach You must check out Bondi Beach, one of the most popular beaches in Australia; there is plenty to do and see. It is a busy beach when it comes to people enjoying the place for sunbathing, swimming, and surfing. The beach is quite central to Sydney's business. You must visit this beach if you want to experience the best of Australia. There are several restaurants, from bakeries to trendy cafes like Rockers, in the Bondi market, along with local crafts, art, vintage pieces, and handmade jewelry shops. Of course, we all know about the restaurants in Australia serving delicious food! You can enjoy decadent lunches, cocktails, and delicious dishes in places like Panama House. It is the perfect place for family, friends, solo, and partners! Coogee Beach This beach is a perfect place to snorkel and swim. It has a 400-meter length of soft sand combined with beautiful water. Near this beach, there are several parks and historic buildings to explore. A 6km trail leads from Bondi Beach to Coogee Trail along the coast. You can check out rock pools at the end of the beach! There are also Ladies Baths and Wylies Bath to the south of the beach for your convenience if you take a dip. This place is quite popular among families, especially because there is a lot of space for the children to run around. Freshwater Beach You must travel to the northern region of Sydney to reach Freshwater Beach, a hub of different types of activities! From playing with your family members on the sand to surfing and swimming, this region is perfect for a day on the beach! At the north end of the beach, there is a rock pool where you can practice your swimming laps! It is also a perfect place to have your picnic and barbeque parties. It is also a place for the people from the nearby reserve to use as their playground and enjoy their get-together parties. Bronte Beach Bronte Beach is a picnic spot in the eastern suburbs of Sydney. There are adjacent parks where you can have barbeque activities, shaded areas to hang out with friends and family, and a playground where your children can play. There are several spectacular rock pools right on the southern headland that you can access without paying any extra charge. You can check out the veggie burgers and homemade cakes at the Bogey Hole Cafe if you are a foodie. Another popular restaurant in that area is Three Blue Ducks, which modernizes Australian lunches and breakfasts! The waves of this place are a little rockier, so be careful when surfing, especially if you are a beginner. Marley Beach A heavenly abode, you can hang in solitude by strolling across the sands. If you visit this beach, it is worth the effort, especially because of the wild beauty of this beach, its rolling dunes, and cliffs. It creates a blend of crystal-clear waters and dunes, a passionate vision worth a visit. There is no shortage of the things to do in Australia! To reach Marley Beach, you must walk about 4.5 kilometers along the scenic coastal path across the Bundeena trail. The beach is a further 20 minutes' walk. It is not for you from this trail, so if you are not a fan of hiking or trekking. I want to warn you about the strong currents on this beach; hence, it is not quite safe to go swimming! Tamarama Beach I suggest you visit this beach in late October because they are organizing a sculpture during the sea festival. Remember that this beach is just a few hundred meters away from Bronte Beach; therefore, you can easily walk here as the sand is silky and soft. The waves at this beach are amazing, and if you are a surfer, this is the place for you. There is also a park surrounding this area, so you can visit this place if you are with family or a partner. You can access a playground, a barbeque area, and a cafe. The place is so glamorous that it has been named "glamarama," and with its pristine shoreline, it was an amusement park with elephant rides and a roller coaster. I will advise against swimming at this beach because it is quite dangerous. You must heed the lifeguard warnings because it is quite serious. Manly Beach The beach is known for its surfing scene, so you can visit with your friends or partner to soak up some beach vibes and taste the local culture. Manly is known for hosting the Australian Open of Surfing competition in February. You can chill around in the sand while you take local lessons to improve your surfing experience. If you don't have experience, I wouldn't ask you to go there and surf. There are other things that you can do, such as sunbathing, having a picnic, or enjoying a delicious Slurpee! Nielsen Park Nielsen Park is in the eastern suburbs of Sydney, close to the Vaucluse neighborhood. The beach is the perfect place to escape from your hectic everyday routine. You can access several facilities, such as toilets, sheltered sitting areas, and others. There is a scenic walking trail along the foreshore that you can take with your partner. There are also shaded picnic areas where you can hang out with your family, friends, or partner. Shelly Beach This is one of the top spots in Australia for diving and snorkelling! This beach is in the northern region of Sydney so that you will have some spectacular ocean views. There is a surf club at the end of the south end of Manly, so if you follow the coastline for about 15 minutes, you can reach it here. If you snorkel, you should bring your snorkelling gear to explore the shallow cove and its clear water. The cove is protected within the marine reserve of Cabbage Tree Bay. Often, Surfers plan to go to the other side of the beach through "The Bower",” a shallow-breaking surf wave. You can easily have a barbecue party as there are facilities available, along with access to a restaurant, Le Kiosk. Milk Beach This beach is found in the eastern suburbs of Sydney; Milk Beach is a perfectly quiet and small gateway! It is a cool place to perform fishing, swimming, and snorkelling activities. There are also several rock formations just at the edge of the beach. You will have a lovely sunset view with these rock formations if you see the Sydney skyline. There is, however, the issue of no facilities at the beach. You will not get any amenities or services. Hence, you must walk through Nielsen Park from Shark Beach to access toilets and picnic areas. Let's remember the Hermitage Foreshore trail, which, if you take a little hike or walk through, you can experience some of the stunning coastal views. As you prepare to return home with these unique memories of the Sydney coast, a custom keyring featuring Milk Beach rocks, sunsets, or a scenic trail will be a truly memorable choice. It will transform the beauty and leisure of the seaside into a tangible, small blessing that will accompany you through your daily journey.  Custom keyrings are available in a variety of materials, shapes, and colors, and can be shipped to you as quickly as possible after ordering. Hang the keyring on your bag or carry it with you, and whenever you see it, it will remind you of that precious travel memory. Finishing Off... To sum up, the beaches I have made a list of are some of the coolest places you can explore and visit. This collection of beaches sports soft sand, translucent water, and significant international traffic.  People want to learn about these places to plan a trip or spend time with their loved ones! If, after reading this blog, you visit one of these places we named here, you will be lucky. Comment on which beach you want to go to and why.

BY  sagnika Aug 24, 2023

Want to know about Hardee's breakfast hours? Don't you love the trademark burger of Hardee's that you can order during breakfast hours? Let's learn about breakfast items and the time to fulfill your morning cravings. In this article, I will inform you about the latest breakfast hours at Hardee's and discuss the most ordered and popular food items on the breakfast menu. After all, how can we not address the beauty and the deliciousness of Monster Biscuit? Breakfast is one of the most important parts of our daily nutritional value and health. The Hardees have claimed that all their food items are of high quality and rich in nutritional value. I will be evaluating the food and their servings accordingly in this article. Hardee's Breakfast Hours: When Do They Serve Breakfast? The atmosphere of Hardee's has a retro vibe with retro-style graphics, and bright and solid colors. You will automatically feel hearty when you enter the Hardee's as the distinctive atmosphere is fun and relaxing and offers delicious food. So want to know Hardee's breakfast hours? You will also find it interesting that the brand tries to advertise its food in sarcastic and funny ads. The advertisements and digital promotions by the brand often have beautiful women in small clothes promoting the food items. It is a way of grabbing eyeballs, but Hardee's is trending! Their breakfast items are some of the best, so we will review their demand and how long you can order from the breakfast menus. Hardee's An American fast-food restaurant chain, Hardee's was founded in 1960 by Wilber Hardee. The primary location in which Hardee's operates is in the southeastern United States. However, the restaurant chain also has restaurants across western and Midwestern regions in the USA. The brand has created a name in the market with its big burgers with high-quality ingredients. The burgers are quality, are made of 100% beef, and are served with a sesame seed bun. The brand ensures that all items on its menu are nourishing! They have other things on their menu besides the burgers, such as chicken sandwiches, milkshakes, breakfast items, french fries, and salads. When Do They Serve Breakfast? Hardee's breakfast hours during the weekdays are from 6:00 a.m. to 10:30 a.m. The company has made an exception on Sundays as the Hardee's weekend breakfast hours are from 7:00 a.m. to 10:30 a.m. Considering Breakfast is one of the significant meals of the day, the company has created delicious breakfast menus that are nutritional as well. The food you will find in Hardee's is quite comforting and satisfactory for your taste-buds. If you are late in visiting Hardee’s, do you want to know what time does Hardee's stop serving breakfast? Well, you would not get your breakfast orders if you visit after 10:30 a.m. What Is The Breakfast Menu? The restaurants of Hardee’s are spread across the USA and other countries; hence, finding your favorite breakfast meal would be fine. There are many options on the Hardee's breakfast menu hours to ensure that you will never get bored. Keep exploring! Monster Biscuit It is a mammoth size breakfast sandwich that can satiate your morning hunger! It might be a food item that will keep your hunger at bay till late afternoon. The biscuit is rich in quality and will replenish your hunger. The item on Hardees breakfast hours consists of three things: breakfast sausage, ham, and bacon. The biscuit is made from scratch and is filled with thinly sliced ham, a folded egg, a melted American cheese slice, a sausage patty, thinly sliced ham, and crispy bacon pieces. Bacon Beast Biscuit The item is salty, crunchy, savory, and delicious! It is one of the items significantly ruling the breakfast tables at Hardee's. This dish comprises crispy pieces of bacon that are thick cut, which is then surrounded by two melted American cheeses and a folded egg. The biscuit was made from scratch, so customers put Hardee's on a different level than other restaurant chains. Biscuit' N' Gravy It is the perfect staple for the southern people as their Breakfast comprises biscuits and gravy! The item by Hardee's is quite filling with its savory but simple food. The item is energizing and comforting and a favorite among the customers. The biscuit is served cut in half with substantial serving with chunky white sausage gravy, which is quite creamy in texture. You can also order crisp bacon, eggs, hash browns, and the biscuit with gravy. Sunrise Croissant If you want to munch on something light and feathery, the sunrise croissant is quite satisfying as it is filled with butter and American cheese, scrambled and baked eggs, ham, and a choice of bacon or sausage. The item does not have much of a high calories still. If you want to be careful, you can get thinly sliced ham which adds up to only 390 calories. The croissant is perfect for you, especially if you have any cravings but not anything heavy. The dish is a buttery decadence that is less dense and doughier than other options on the breakfast menu. Loaded Omelet Biscuit The item consists of a loaded meat and omelet accompanying cheese accompanying a baked biscuit made from scratch. The sandwich has these elements and is perfect for a rushed breakfast. Hash Rounds It is a perfect supporting role to the main role of a biscuit sandwich. The hash rounds of Hardee's are one of my favorites as they are small bite-size round servings. A perfect accompaniment to the breakfast meal. The hash rounds are golden-brown crisps that are nugget sized and are given along with BBQ or ketchup dipping sauce. Pork Chop 'N' Gravy Biscuit The item justifies the feeling customers get from a Southern comfort fast food joint; at its core, Hardee's is just that! The biscuits are buttery and fluffy, making your experience similar to a slice of heaven. The Pork Chop 'N' Gravy Biscuit is a biscuit sandwich with boneless pork chop, which is breaded and deep-fried. The sausage gravy that is famous for Hardee's is accompanied! You can get extra help from it. Plus, there are two types of pork in the sandwich. If that is not a good deal, I don't know what is! Competitor Companies Let us talk about the competitors of Hardee’s in the restaurant industry and how they give tough competition! They operate as a restaurant and ensure that they maintain quality services to several people. After learning about Hardee's breakfast hours, let me share with you the competitors! The burgers of Hardee’s is quite famous along with breakfast burritos and frisco breakfast sandwiches. Let us compare Hardee’s with four other competitors namely BIG SMOKE BURGER, CJ Foodville, Tap 42 and The Providore. The Providore https://www.instagram.com/p/Cz53JVbhrof The restaurant is a privately owned place which operates as a cafe, grocery, wine shop, deli and bakery. You can get processed food and beverages. The headquarters of the restaurant is located in Singapore with an approximate of 83 employees! Tap 42 https://www.instagram.com/p/CvdIS7fSwej With an employee number of 133, the headquarters of Tap 42 is at Bal Harbor, US. The restaurant is a chain operator which was founded in 2011. You can order processed food and beverages in this restaurant. It is a privately owned restaurant with quite some popularity. Big Smoke Burger https://www.instagram.com/p/BzQ67jFCPzF The restaurant was founded in 2007 and processed food and beverages are easily available in this place. The headquarters of the restaurant is Oakville, CA! You will also find food ingredients in this restaurant. There are about 84 employees in the restaurant! This is the only restaurant that has the proper social media presence to compete with that of Hardee's. The restaurant is a subsidiary! CJ Foodville A private restaurant, there are 250 employees in this place. They provide processed food and beverages because they are a holding company for restaurants. They provide food ingredients to restaurants. These restaurants and food holding units are competition to Hardee’s however, their social media presence is comparatively quite low. Plus, they also are unable to have the industry wide reach as compared to Hardee’s! Reviews According to Tripadvisor, Hardee's has a 3.5 rating out of 5 based on 332 reviews. Reviews are quite positive based on their experience with food, atmosphere, value, and service. Hardee's offers three types of meals: Breakfast, lunch, dinner, and after-hours. Conclusion I am already hungry with all this evaluation of some of the most popular breakfast items available during Hardee's breakfast hours. I am sure you are too! Just keep in mind, on Sunday, they open 30 minutes late. During weekdays, the breakfast hours extend to 4 hours 30 minutes. Try the items I mentioned in the list of the article and comment down to let us know your favorite one! Read Also: Wendy's Breakfast Hours: When To Visit Wendy's For Breakfast? Taco Bell Breakfast Hours: When Does Taco Bell Serve Breakfast? Chick Fil A Breakfast Hours: When Do They Start Serving Breakfast? Burger King Breakfast Hours: What Time Does Burger King Serve Breakfast?