7 Secrets to Becoming Wealthy and Rich

We all wish we could be wealthy. For most of us, it's a far-off dream that someday, eventually, we might be able to turn ourselves into self-made millionaires. But the truth is, building wealth isn't about putting all your hopes into "someday." You're never too old to start building wealth, but if you start when you're young, you have far greater potential to amass a fortune--and more time to let that fortune compound itself as you grow older.

That being said, life in your 20s and 30s is not without its challenges; you might have student debt, a tenuous career, and dozens of unknowns that keep you from doing everything you'd like to build your wealth faster. There's no straightforward way to guarantee yourself a rich future, but these seven strategies can help you do it while you're still young.

1. Stop procrastinating.

The folly of youth is believing that there's always enough time for everything. Youngsters often believe that retirement, or wealth building, is something that comes later in life, and are more preoccupied with the concerns of the now. Unfortunately, this often leads to a cycle of "Oh, I should do that next month," month after month, until before you know it, you're 10 years older and you've missed out on a decade's worth of compounding interest. The first step is to stop procrastinating; saving and investing is scary, but the longer you wait to do it, the fewer advantages you have.

2. Know that there is no magic.

My use of the word "secrets" in the title of this article might have brought you here hoping for a guaranteed, almost magical solution to make you wealthy. There isn't one. The fundamental objectives are simple: Make more than you spend, and use the excess to invest wisely. How you invest is up to you (with a few caveats below), but the obvious goal is to make investments that have a high likelihood of making you more money in the future. That's it. The ways to achieve this are by making more money, spending less, and investing more wisely.

3. Invest in yourself.

Your next goal should be to invest in yourself; you are the best resource you have to accumulate wealth. Investing in yourself means spending more time on your education, refining your own skill sets, and branching out to meet new people who might help you achieve your goals. The more educated, skilled, experienced, and connected you are, the more valuable opportunities you're going to get, which means higher salaries and more options for you down the road, both of which will help you build a stronger financial foundation.

4. Create a budget.

Remember the steps from point 2: Make more money, spend less, and invest wisely. Point 3 covered making more money, and this one covers spending less. Make a detailed budget for yourself based on your projected income and your current expenses. Set firm limits for your expenses, and keep a close eye on where most of your money goes--you might be surprised at some of the areas where you waste the most money. Once identified, you can start refining your budget to spend as little as possible, and funnel the rest into a savings or investment program.

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5. Pay down your debt.

Before you start regularly saving and investing money, it's usually a good idea to pay down any debts you may have accumulated. Credit card debt, student debt, and even car loans can carry heavy interest rates that drag you down, demanding monthly installments that chip away at your revenue while racking up additional interest and penalties that take away even more money from your future self. Don't let this eat away at your potential; make it a first-line priority to get rid of your debt as soon as possible.

6. Take risks.

You're young. You have a lot of years ahead of you. Now is the time to take risks. Invest in higher-risk, higher-payoff stock opportunities. Consider quitting your job to start your own business. Jump on new ventures and new opportunities. If things go south, you'll have plenty of time to make up for it. Most wealthy individuals will tell you one of their greatest keys to success has been taking calculated risks. The majority of the population sticks with the safe route, so if you want to break away from the pack, you have to try something new, possibly something uncomfortable.

7. Diversify.

Even though risk-taking is a generally rewarding strategy in your 20s and 30s, it's also a good idea to diversify your efforts. Don't build up just one skill set, or one set of professional connections. Don't rely on one type of investment, and don't gamble all your savings on one venture. Instead, try to set up multiple income streams, generate several backup plans for your goals and businesses, and hedge your bets by looking for new opportunities everywhere. This will protect you from catastrophic losses, and increase your chances of striking it big in one of your ventures.

By applying these seven secrets in full swing, you'll be able to start accumulating wealth no matter where you are in life. Yes, the first steps are hard--paying down your debt, establishing your credentials, building an investment portfolio, etc.--but if you do it early and do it right, you'll set yourself up for massive financial success later on.

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The important things in life

A philosophy professor stood before his class with some items on the table in front of him. When the class began, wordlessly he picked up a very large and empty mayonnaise jar and proceeded to fill it with rocks, about 2 inches in diameter.

He then asked the students if the jar was full. They agreed that it was.

So the professor then picked up a box of pebbles and poured them into the jar. He shook the jar lightly. The pebbles, of course, rolled into the open areas between the rocks.

He then asked the students again if the jar was full. They agreed it was.

The professor picked up a box of sand and poured it into the jar. Of course, the sand filled up the remaining open areas of the jar.

He then asked once more if the jar was full. The students responded with a unanimous “Yes.”

“Now,” said the professor, “I want you to recognize that this jar represents your life. The rocks are the important things – your family, your partner, your health, your children – things that if everything else was lost and only they remained, your life would still be full. The pebbles are the other things that matter – like your job, your house, your car. The sand is everything else, the small stuff.”

“If you put the sand into the jar first,” he continued, “there is no room for the pebbles or the rocks. The same goes for your life. If you spend all your time and energy on the small stuff, you will never have room for the things that are important to you. Pay attention to the things that are critical to your happiness. Play with your children. Take your partner out dancing. There will always be time to go to work, clean the house, give a dinner party, or fix the disposal.”

“Take care of the rocks first – the things that really matter. Set your priorities. The rest is just sand.”

» In Search of Happiness

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Top 10 places to go for River Rafting in India

The super-fast flow of the river, splash of the waters on your body and you aided with a life jacket on a raft, what better adventure can you wish for?

River Rafting in India is one of the most popular adventure activities in the country. Adventure enthusiasts are enjoying the wild waters of rivers with water rafting as it is called.  The mighty rivers flowing down from the heights of the Himalayas and other mountain ranges make India one of the world’s best places for adventure.

We bring to you the top 10 places to go for river rafting in India

1.Ganga River, Rishikesh, Uttarakhand

River Ganga in Rishikesh is one of the world’s best rafting destinations. Adventure enthusiast can enjoy river rafting down rapids ranging from grade 1 to grade 4. This almost 16 km stretch is rich with whirlpools and rapids. There are as many as 13 rapids. Return to Sender, Roller Coaster, Three Blind Mice, Double Trouble, Tee Off and Golf Course are some incredible names. Camping on the beautiful white sand river beaches against the scenic Kumaon Mountains is also a popular adventure. The real charm of this region of Shivaliks is river rafting in Rishikesh.

Best Season for Rafting: September to June.

Level of difficulty: Grade I – IV

Distance Covered: 16 to 36 Kilometers.

2.Teesta River, Sikkim and Darjeeling

The Teesta River flows through Sikkim, Darjeeling, and Kalimpong Hill Region. The mighty river is another thrilling river rafting spot. Blessed with a string of rapids rated at Grade 1-4, it creates a true invigorating experience. The turbulent Rangit, a tributary of the Teesta, has multi-dimensional rapids and is perfect for a challenge to more experienced rafters.

Best Season for Rafting: October and April.

Level of difficulty: Grade I – IV

Distance Covered: 11 to 37 Kilometers.

3.Brahmaputra River, Arunachal Pradesh

The Brahmaputra River, is mysterious and ferocious. River rafting in this river is done when the river finds its way in Arunachal Pradesh, down the Tibet region by cutting Greater Himalayas. River rafting here is rated at Level 4 -6. Brahmaputra River Rafting is for an exhilarating experience of a lifetime. Rapids such as the ‘Pulsating Pulsi’, ‘Toothfairy’ is the biggest jolt of adrenaline. The rafting expedition of the entire river last for more than a week. Camping is available along the river blessed with tropical forests, gorges and beautiful scenery.

Best Season for Rafting: November to March.

Level of Difficulty: Grade IV – VI

Distance Covered: 180 Kilometers over the period of 7 Dyas.

4.River Barapole, Coorg, Karnataka

River Barapole in Coorg, Dakshina Kannada, provides excellent rafting opportunities. Flowing down the Western Ghats edging along the Deccan Plateau, the grades range between 2 and 4.There are approximately 4 to 5 rapids in the upper section and about 6 to 7 rapids in the lower section. Some enchanting names are Morning Coffee (Grade 2), Grasshopper (Grade 3), The Ramba Samba (Grade 2), The Wicked Witch (Grade 3), Big Bang (Grade 4), Milky Churn, etc.

Best Season for Rafting: Monsoon and post-monsoon months of June to September.

Level of Difficulty: Grade II – VII

Distance Covered: 8 Kilometers.

5.Kundalika River, Maharashtra

Kundalika is the fastest river of the South at Kolad. It is an excellent rafting destination South of the Himalayas. Flowing amidst the wonderful Sahyadris, the almost 15-kilometre stretch of rapids provides ample opportunities for an exciting adventure. Rapids range between Grades 3-4. The best months for rafting are in the months of monsoon. When waters are at their full capacity you enjoy the thrill to the maximum.

Best Season for Rafting: Monsoon and post-monsoon months of June to September.

Level of difficulty: Grade III – IV

Distance Covered: 16 kilometers.

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6.Indus River, Ladakh, Jammu & Kashmir

Indus River offers a wonderful river rafting opportunity. Originating in Tibet, the river flows through the cold desert landscape of Ladakh and is extremely cold. The challenging rapids on the river range from grade 1-2 at some places, has grade 3-5 rapids. These are months when the river Indus water levels are high. The more challenging route for river rafting lies between Alchi and Khalsi, where a kilometer long series of rapids thrill the rafters. Camping along the river adds to the thrill of the adventure.

Best Season for Rafting: Months of June upto late August.

Level of difficulty: Grade III – V

Distance Covered: 25 kilometers.

7.Beas River, Kullu-Manali

In Kullu Valley, river rafting is enjoyed in the River Beas. Rafting starts at Pirdi and continue 14 km down to Jhiri. This river has got 1-4 grade rapids. The full day adventure is definitely exhilarating. Enjoy the thrill of the rapids and the picturesque scenery which shall certainly create wonderful memories of your adventure. River rafting is available throughout the year except during the period from 15-July to 15-September.

Best Season for Rafting: March to July

Level of Difficulty: Grade I – IV

Distance Covered: 14 kilometers

8.Dandeli, Karnataka

The newest addition to thrilling river rafting is Dandeli in Karnataka. Flowing through the altitude of 1549 feet in the mighty Western Ghats, rafting is enjoyed in the swift flow of River Kali. The river Kali in Dandeli makes for one of the best places for rafting for beginners and professionals. The 12 Km stretch comprises of grade 2 and 3 rapids.

Best Season for Rafting: November to June.

Level of Difficulty: Grade II – III

Distance Covered: 12 Kilometers.

9.Alaknanda River, Uttarakhand

The Alaknanda River flowing in Uttarakhand is among one of the most difficult and challenging sites. The second largest tributary of the mighty Ganga offers the ultimate river rafting experience. The rafting stretch is almost 25 km between the Chamoli and Rudraprayag. The river has over 75 to 80 grade 3 to 4+ rapids. The grade 5 ‘Hillary Fall’ named after Sir Edmund Hillary’s upstream jet boat expedition known as “Ocean to Sky” is a rush of adrenaline. Embark on the thrilling adventure. Embark on the thrilling adventure. Camping along the river adds to the fun.

Best Season for Rafting: October to June

Level of Difficulty: Grade III – IV

Distance Covered: 25 Kilometers approx.

10.Zanskar River, Ladakh

Re-defining the thrill of river rafting, Zanskar River Ladakh is an adventure like never before. The ice-cold river flows at a height of more than 12, 000 feet. The rapids are of Grade 3 and Grade 4. Rafting is held between Padum and Zimo regions. Fortifications of mountains rise to hundreds of feet on both sides. The rafting route ends as the river merges with the Indus. The route passes through some rough terrains and isolated places in Ladakh. Best time to go is July to August as the river flows in this while remains frozen rest of the year.

Best Season for Rafting: July to August.

Level of Difficulty: Grade III – IV

Distance Covered: 30 Kilometers approx.

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Debashree Chakraborty

A travel writer by profession and self-professed addict to literature, momos, dancing, music and travelling, Debasree Chakraborty has all interesting things to share. Go through her penned down travel experiences and collected intelligence in her write ups. Read on!
Source : www.indianholiday.com

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In Search of Happiness

Once a group of 50 people was attending a seminar.

Suddenly the speaker stopped and started giving each person a balloon. Each one was asked to write his/her name on it using a marker pen. Then all the balloons were collected and put in another room.

Now these delegates were let in that room and asked to find the balloon which had their name written, within 5 minutes.

Everyone was frantically searching for their name, pushing, colliding with each other, and there was utter chaos.

At the end of 5 minutes, no one could find their own balloon.

Now each one was asked to randomly collect a balloon and give it to the person whose name was written on it. Within minutes everyone had their own balloon.

The speaker began: This is exactly happening in our lives. Everyone is frantically looking for happiness all around, not knowing where it is. Our happiness lies in the happiness of other people. Give them their happiness, you will get your own happiness.

And this is the purpose of human life.

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Top Places to Experience Snowfall in India

It is no exaggeration that the best thing about the winter season is the snowfall. When tiny snowflakes fall from above and cover the entire place like a pure-white sheet, they form a mesmerizing sight. Destinations up North in India experience good snowfall during the winter months (November- February) especially the Himalayan region. That is one reason Himachal Pradesh and Kashmir becomes top places to visit in India for honeymoon in winters. Cooler destinations in Uttarakhand and North East India also become hot favorite for family holidays in India.

If you are searching for any best hill stations to enjoy snowfall in the month of November, December, January and February, then browse through this list of must – visit winter destinations for a memorable trip. If you are planning your honeymoon or just a break with family or if it is a adventure trip you are after, take a look at these places to experience snowfall in India and plan your holiday now!

Places to Experience Snowfall in India in November

1.Gulmarg (Kashmir)

Founded as a Ski resort during the British era, but today Gulmarg became one of the best destination to see snowfall round the year. Especially if you are seeking any place to enjoy snow sports in north India. Around 46 km from state’s capital Srinagar, Gulmarg is easily accessible from Srinagar. Today Gulmarg is known to be the most-visited Skiing destination in South East Asia. It is flocked by honeymooners, snow lovers and Skiing enthusiasts from all around the world.

Places to see in Gulmarg: Panoramic Apharwat peak, Alpather lake, breathtaking views from Ningle Nallah, Banibal Nag and Kausar Nag etc.

Things to do in Gulmarg: You can enjoy Gondola ride, skiing at Gulmarg Ski Resort, Bird watching at Gulmarg Biosphere reserve, trekking to the northern Pir Panjal range, Ice-skating on frozen lakes, Heli skiing and Moto Skiing etc.

Best time to enjoy snowfall in Gulmarg: December to February.

Nearest airport: Nearest airport to Gulmarg is in Srinagar (56 km away). The airport connects major cities of India like Delhi and Mumbai.

Nearest railway/bus stand: The nearest rail head to Gulmarg is in Jammu (290 km away). It is properly connected to the major cities of India. Regular bus service from Srinagar is also an effective and closest option to travel to Gulmarg.

2.Rohtang Pass (Himachal Pradesh)

Rohtang Pass or Rohtang La, around 51 km from Manali, lies on the highway to Leh/ Keylong. Open during May to November, Rohtang Pass is an ideal place for adventure seeks and nature lovers. The road to Rohtang Pass offers some amazing sights and the clean fresh air refreshes you.

At an elevation of 3978 meters above the sea level, Rohtang Pass has Snow Point where tourists can partake in several fun activities such as sledging, para-gliding, snow scooter riding, motor biking, ATV riding and Skiing. Snow clothes or snow dresses are easily available on rent at the local shops.

3.Pahalgam (kashmir)

Around 8957 feet above the sea level, the beautiful hill town Pahalgam is thronged by tourists every year in good numbers. November month is the onset of snowfall in Pahalgam, thus being the best time to visit when the snow is clean and the weather is pleasant.It is equally popular amidst trekkers, honeymooners and family vacationers.

Away from regular hustle-bustle of the cities, Pahalgam offers some of the most charming memories during sightseeing, horse riding, trekking and leisure walks. Chandanwari, the starting point of Amarnath Yatra, Baisaran and Sheshnag Lake are some of the popular treks from here. Pahalgam also has a golf course.

4.Auli (Uttarakhand)

Placed in the Garhwal region of Uttarakhand, Auli stands at an altitude of around 10,500 feet amidst snow-covered peaks and is counted as one of the best ski resorts in the world. Offering enchanting 180 degrees views of the surrounding Himalayan ranges, Auli receives good snowfall during November month.The whole area is carpeted with snow at the time and looks absolutely stunning.

Auli is visited by professional as well as amateur skiers.  This place also boasts of the longest cable car route from Auli to Joshimath (4 km). Covered with oak trees and coniferous deodar, the slopes of Auli are a real treat while carpeted with snow.

Places to Experience Snowfall in India in December

5.Tawang (Arunachal – Pradesh)

A hidden gem, Tawang is a lesser-known hill town of Arunachal Pradesh, which becomes even more beautiful after snowfall in the month of December. As it receives heavy snowfall during the winter months, it offers good opportunities for adventure enthusiasts.The flawless beauty, the frozen lake and Tawang monastery are a must-visit.

The peaceful environment of Tawang is an ideal experience for honeymooners who are looking for seclusion. The lush greenery and snow -spread forms a soothing sight for the eyes. Hiking and trekking are two popular activities here.

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6.Shimla (Himachal Pradesh)

Covered with heavy snow during December and January, Shimla is one of the most visited hill stations to enjoy snowfall in north India. You can not only enjoy fresh snow but can partake in adventure activities such as ice skating and skiing.December is an ideal time to plan for Shimla tour because it will create some good memories and completely refresh your tired soul.One can also opt for excursion to nearby places like Chail, Kufri, Shilon Bagh and so on. Partake in sightseeing and shopping too.

7.Manali (Himachal Pradesh)

Located 40 km northwards of Kullu, Manali is undoubtedly one of the most-visited winter destinations in Himachal like Shimla. It receives snowfall in the December month and along with Solang valley, becomes a popular resort for skiing and ice skating enthusiasts.This beautiful  place receives thousands of tourists during Christmas and New Year time.The landscape with lush greenery, floral meadows and carpet of snow, becomes completely enchanting. December is an amazing time to experience snowfall in Manali.

8.Dalhousie (Himachal Pradesh)

Play with snow in Dalhousie in the December month and admire the picturesque scenery sprinkled all around this famed hill station of Himachal Pradesh, with snow adding an extra charm. Located on the western side of the Dhauladhar ranges, the mesmerizing hill town of Dalhousie is covered with snow-covered mountains.

Named after British Governor General Lord Dalhousie, it is home to a number of tourist attractions such as Khajjiar, Bakrota Hills and Dainkund Peak, Tibetan Market and so on. Snowfall makes Dalhousie all the more beautiful.

9.Narkanda (Himachal Pradesh)

Located at a distance of around 60 km from Shimla, the beautiful hill hamlet of Narkanda is placed at an above sea level of 8884 feet. Narkanda receives snowfall in the month of December and converts into a popular adventure hotspot, flocked by skiing enthusiasts. Hiking up to the Hatu peak is a popular activity here.

It is a perfect destination for those who love seclusion and wish to spend a peaceful vacation, away from city chaos. The mix of orange, red and gold woods forms a mesmerizing sight. Do not miss visiting the apple and cherry orchards.

Places to Experience Snowfall in India in January

10.Srinagar (Kashmir)

Referred to as the ‘Switzerland of the East’, Srinagar is top destination to visit in the month of January when it is covered with snow and becomes a heaven for adventure enthusiasts. One can indulge in activities like golfing, boating and other activities. However, if you are one of those who love spending a laid-back vacation, Srinagar has equal opportunities for you. Enjoy sightseeing covering its lakes and gardens. Admire the snow-covered mountains, winter’s chilly air, pleasant environment and sumptuous Kashmiri food along with a cup of hot ‘Kehwa’.  Day excursions to Sonamarg and Gulmarg would also be a memorable experience.

11.Vaishno Devi Bhawan (Jammu)

Visiting Vaishno Devi in the month of January means killing two birds with one stone. You do not only seek Maa Vaishno’s blessing but would also enjoy snowfall at Vaishno Devi Bhawan. The whole area around the cave temple, located amidst Trikuta hills, is covered with a sheet of thick white snow.

Darshan for the shrine are open all round the year and the snow in the January month ads to the charm of the place. Vaishno Devi is one of the most popular pilgrimage sites of India and bustles with activity all throughout the year.

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12.Patnitop (Udhampur)

Blanket of clear white snow covers the hill town of Patnitop during the month of January. Pick amongst activities like Paragliding, skiing, horse riding or sledging when in Patnitop at this time. Known for its serenity and charming locations, Patnitop can be a stopover for those who are travelling along the Jammu-Srinagar highway.

Placed at an altitude of 6640 feet above the sea level, Patnitop receives heavy snowfall during winter months. You can visit nearby places like Natha top , Sanasar and most famous Naag temple . It lies in the lower Himalayan ranges.

13.Mcleodganj (Himachal Pradesh)

Covered with a snow blanket, Mcleodganj is chilling during the month of January and is flocked by newly-wedded couples for honeymoon in India in winters. Enjoy para-gliding and trekking when in Mcleod Ganj. Namgyal Monastery, Tibet Museum, Tsuglagkhang temple, Triund, Hanuman-Ka-Tiba, and Bhagsu Falls are some of the popular attractions that you can visit.

The contrast of white snow cover and lush greenery forms an amazing view for the on-looker. Named after former British Governor of Punjab David McLeod, it is the renowned seat of Dalai Lama, the holy guru. Placed at an altitude of 1700 meters, it is blessed with tranquility and scenic beauty.

14.Lachung (Sikkim)

Thick cover of snow and whitish mist- clad mountains would welcome you in to Lachung in the month of January. This small picturesque hill town of Sikkim surely enchants its visitors with an amazing weather, lush peaks, glistening waterfalls, crystal-clear streams and other famed attractions. Visit to Lachung monastery is a must. Do not forget to get your hands at excellent- quality peaches, apples and apricots here.

Blankets and fine woven rugs are the other highlights of the local markets. Visit Zero Point or Yumesamdong to indulge in fun activities. Surrounded by the Himalayas and colorful flowers, the place is close to the border of China.

Places to Experience Snowfall in India in February

15.Dhanaulti (Uttarakhand)

Lying on the Mussoorie-Chamba road, Dhanaulti is a small tranquil village that is placed at an altitude of 2250 meters. Less-commercialized and serene Dhanaulti is placed amid lush Pine, Rhododendron and Cedar forest and boasts of a chilly but superb weather. The peaceful environment, the fresh air, the lush greenery would make you fall in love with this place.

The snow looks great in the February month. A visit to the hidden-gem of Dhanaulti is worth-it to have a peaceful and memorable vacation with the loved ones. As the place is less cluttered, it is an ideal option for newly-wedded couples.

16.Kufri (Himachal Pradesh)

Boasting of clear white snow and an awesome weather in the month of February, Kufri is a real delight with snow-clad landscape. Winter Sports Festival at this time is the best thing about Kufri when adventure-seekers can partake in activities like tobogganing, rock climbing, Mahasu peak trekking and skiing.

A tranquil and relaxing destination near Shimla, around 19 km away, Kufri is surely a less-cluttered snow resort. Opt for horse riding, sightseeing and leisure walks if you wish to have a laid-back vacation. A number of tourists visiting Shimla also plan a day’s excursion to Kurfi.

17.Gangtok (Sikkim)

Tranquil environment, cool fresh air, snow-clad snow and a nice weather welcome the tourists to Gangtok in the Februray month. The capital city of the north-eastern state of Sikkim, Gangtok is one of the most sought-after vacation destination and a center for Tibetan Buddhist culture and learning. Shopping at M.G Road market, a foreign-style market, is a must.Visit Rumtek Monastery, Tsomgo Lake, Ganesh Tok, Flower Exhibiton Center, Enchey Monastery and other famous attractions.

However, if you love adventure activities, Gangtok offers several opportunities like white-water rafting, mountain biking, hand gliding, yak safari and trekking on routes like Khechopalri, Zemathang, Tsokha, Sikip and more.

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Written By Geetika Handa

Geetika Handa is a travel writer who has an interest in sharing her experiences with all. She provides a detailed account of any travel topic she chooses to write on. You can get detailed information and tips about choosing the right kind of holiday packages in the country from her write-ups.

Source : www.indianholiday.com

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