Independent income. Cashback from credit and debit cards

Each of us wants to receive passive income, while minimizing the risks of investments and not losing what has been accumulated by various efforts and labor. Today it is possible to do this if you pay attention to the investment blog, which has been following all the changes, novelties for almost 3 years and tries to regularly offer you useful articles, recommendations and advice.

Investment blog - all about ways to make money on the Internet

What is an investment blog? This is the platform where:

• Articles about money, economy and finance;
• Useful recommendations on how to make money without investments and where you can make a profit online;
• Up-to-date descriptions of working with cryptocurrency, reviews of profitable crypto coins;
• Current ways of earning;
• Interesting news from the world of money that are important for everyone.

And this is not a complete list of where exactly you can use a blog. I am glad that both beginners, with whom we are going to the Olympus of financial independence, and experienced market sharks, who received their Oscar, are cooperating with me, approaching good indicators of total income. Many people choose GQ Blog Monitor, and they do it for 10 reasons:

1. I share my own experience absolutely free of charge, which is rare in today's world;
2. I regularly fill the blog with useful articles, anticipating your information requests;
3. I draw conclusions and analyzes, so I publish weekly detailed and complete reports on the work of the blog;
4. I do not force anything, but only recommend;
5. I always point out the pros and cons of specific proposals;
6. I regularly offer a variety of contests where you can get financial rewards;
7. I am open to new suggestions;
8. I provide a platform for the publication of young and talented authors;
9. I am glad for every comment under the materials;
10. I am in touch with you in many social networks.

Ganesa Private Investor Blog

Having gone through many stages of the starting path on my own, I came across a rake that made me smarter, and set the work in a productive direction. And I know how important it is at the very start to have qualified and professional support from an investor who himself went through everything on his own.

“Why a blog?”, you ask, and I will hasten to answer that this is a convenient form of communication, content filling and communication. And in the financial world, where something changes every second, the bitcoin rate loses or gains up to a hundred dollars, and miners mine a new block, it is extremely important to be constantly in touch and respond quickly to everything. GQ Blog Monitor can boast of this. I do not just advise, I also simplify your life. Launched at the beginning of the year, the crypto portfolio is a convenient way to streamline investments and only follow positive updates. If earlier you kept records on your own, now everything is much simpler.

Investment articles on blogs appear every day, but I fill the content taking into account the desires, opportunities and interests of everyone. I do not have a separate blog dedicated to an experienced trader or a beginner, I do not write separate articles about investing in stocks, as in a highly specialized investor blog. My blog combines recommendations from a practical investor, reviews, tips, news from different financial areas. Together with me, you will not only be able to learn how to make money work, but also what needs to be done so that the slogan “Keep and increase” becomes the basic rule for all partners.

Taking into account the tastes and informational preferences of each investor, I propose to choose priority areas and follow the latest Hot Topics. The blog of a private investor is open to criticism and comments, and all your questions are answered without fail: prompt and in full. You can always see how I work and with what projects. The blog sections contain the most relevant articles about everything that will help you become a financially independent person: from the principles of the cryptocurrency mining algorithm and how to work with faucets and earn money on paid surveys.

In reviews and feedback on new projects, I offer HYIP monitoring with detailed analysis and regular reports on the work of the sites. Each investment project is submitted from different sides to partners:

• legend;
• marketing;
• information about the administrator;
• my personal opinion;
• technical part.

This is done so that the decisions you make and certain investments are objective and effective.

My conclusions about investment blogs and about my blog

In order to develop and follow all current trends, I read the blogs of partners “Keep money!”, A popular blog of a practical investor talks a lot about various bonus programs and plastic cards; and leafing through a blog from an experienced homebody investor, you can learn more about the forex market and the rules for working on it. I often visit the blog from Denis, a free investor who works with cryptocurrency. You can work with PAMM accounts and learn about investing in stocks and gold by reading the materials of a lazy investor who has been blogging for a long time. They learn a lot from me, I learn a lot from them. And this is good: the exchange of data and information always has a positive effect on each side.

Each blog is individual and interesting, and the investor's platform in its own way. I can say: the content of my blog is for everyone: investors, those who work online and are looking for ways of anonymity, who are interested in stocks and cryptocurrency, choose HYIPs, stocks, and look for options for remote earnings. For the convenience of accounting, the investor's portfolio functions.

I work for all investors, no matter what the total amount of your investments per week or month. GQ Blog Monitor is your guide, advisor and companion in the world of investment and financial literacy. I hope that when the next wave of voting takes place among readers and users for the best investment blog of the Runet, you will bet on my investment blog, which contains in one place recommendations on how to increase money during the Super Moon, tips on how to invest for a big profit are small sums and the best fresh HYIPs.

My investment blog is an encyclopedia, address book, reliable assistant and consultant with a news feed for everyone.

What is passive income and how to create it for an ordinary person? How can you live on the percentage of your investment and never work again. Read about all this below.

1. What is passive income

Passive income- this is a constant and stable source of income that does not require any time costs (or they are minimal)

The main idea of ​​passive income is to create eternal sources of income for yourself and continue to receive profit from them on an ongoing basis. That is, we once created something and then we do nothing in order to receive money. For example, the work we are all used to is an active source of income, since payment is made only when the employee goes to work. Therefore, you need to constantly spend your time.

The simplest example of passive income is renting out an apartment. You are paid monthly rent. In order to receive this money from you, no further action is required.

The earlier you think about creating a passive income, the more opportunities you have. You will be able to accumulate funds faster and more to implement your plans. And the majority have plans: to create financial freedom for themselves and no longer work, but do what they like.

The benefits of passive income

For example, you can set aside money for a bank deposit every month and save a good amount in a year. For 3 years, this amount will be even more solid and perhaps even a percentage of it will be enough for you for some needs.

3.1. The effect of compound interest

In mathematics, there is such a thing as compound interest. Simply put, this means that over time, your savings begin to grow not linearly, but exponentially. This can be easily achieved by reinvesting the income received.

For example, if we put 1 million rubles at 10% per annum, then in a year the amount will be 1.1 million rubles. Now, putting the same money in the bank at the same 10% per annum, in two years the amount of 1.21 million rubles will be in the account. During the second year, the capital grew by 110 thousand rubles, and not by 100 thousand rubles, as in the first year.

I agree with those who say that this is insignificant. However, if we take a calculator and calculate what will happen in 10 years, in 20 years, it turns out that the effect is already huge.

I cover this topic in more detail in this article:

• Develop your financial literacy. To do this, read books about investment, trading, the philosophy of wealth. You can start with Robert Kiyosaki and continue with exchange literature.
• Create new assets regularly. Look for new opportunities, they are always there.
• Create multiple sources of passive income. Relying on just one carries risks.

3.3. Rules: how to become rich from scratch

There is a basic set of rules that everyone who wants to become rich should follow. They are not difficult at all and can be done by anyone:

1. Pay yourself. As soon as you have received a salary, first of all set aside a part of the funds for yourself (at least 10%). Usually people, on the contrary, repay debts and spend money, and save what remains. This is a habit of poor people, eliminate it from your life.
2. Save what you put aside. This rule implies that deferred funds cannot be spent.
3. Multiply money. It is necessary to invest money in reliable assets in order to constantly increase your capital. We will talk about the sources of passive income below.
4. Save the multiplied. The resulting profit is best reinvested so that savings grow faster. No need to invest in dubious and overly risky assets.
5. Create several types of assets to minimize your risks. Whatever your total reliable income, it will be even more reliable if you distribute money among several such sources.

4. Sources of passive income

There are many sources for creating passive income. Each of us has our own knowledge, skills, opportunities, wishes, therefore, only you can decide for you what exactly to do. We will only consider in detail the basic options for stable sources of money (for sure, you have already heard about many). We will focus on a mathematical basis to calculate how profitable each option is.

How many sources of passive income you will have is up to you. I can only say that the more of them, the more reliable and richer your life. Therefore, follow the Pareto principle: 20% bring 80% of the result. Put in small efforts in different industries to reap the greatest rewards.

4.1. Bank deposit - a source of passive income

A bank deposit is the most popular means for saving and accumulating funds among the population in Russia. The interest offered by banks is certainly not as high as we would like, but nevertheless it is really the most reliable way to increase your capital a little in the absence of any action.

There are a lot of offers on the market of bank deposits. Each bank offers its own line of deposits. If you spend literally 10 minutes, you can choose the most profitable for you. This can increase the yield by 1-3% per annum.

You don't have to worry about losing money. All deposits are insured by the DIA for the amount of 1.4 million rubles (including interest). That is, it makes no sense to deposit 1.4 million rubles in one bank. It is better to put a little less, so that the interest that will accumulate will be insured. For example, if we are talking about a rate of 8% per annum for a year, then it would be logical to put the amount of 1.27 million rubles and sleep peacefully.

The yield on the deposit will change at each moment of time, so you should check the relevance of the information. As of 2018, you can find deposits with a maximum rate of 8%. In more reliable banks at 7% per annum. These are almost the smallest rates on deposits in the new history of Russia. Previously, there were always offers at 10-12%.

• Reliability of investment (the amount is insured by DIA)
• predictable income
• No action required from the investor
• You can invest any amount
• There is no way to "break loose" and spend money, because. it is necessary to break the deposit agreement and then the accumulated interest will "burn out"

• Low yield
• It is impossible to close the deposit ahead of time without losing interest
• You can not store solid amounts of more than 1.4 million rubles in one bank

I also advise you to partially keep money on debit cards, which give interest on the balance. These cards also give cashback on any purchase. I use these cards myself:

• Tinkoff. 6% per annum on the balance. Amount up to 300 thousand rubles. You can transfer any amount to a special savings account at 5% interest.
• Benefit (HomeCredit Bank). 7% per annum on the balance. Amount up to 300 thousand rubles.

Summing up, we can say that it makes sense to have some part of the money on deposits, because. it is a liquid and reliable asset.

4.2. The property

Real estate has always been and will be in trend among investors. Such purchases can be visually seen, felt. However, their profitability is extremely low, but first things first.

Real estate can be earned in two ways:

1. Rent
2. Resale

For passive income, the first option is considered, since the second method is more risky and requires a constant search for new good offers on the market.

There are the following types of real estate investments:

• Residential (apartments)
• Commercial (garages, office space, warehouses)
• New buildings (investments in the construction of new facilities)

Large investors buy commercial real estate more often, since the yield from renting out non-residential premises usually brings more profit, and also does not need any repairs. However, this situation occurs only during favorable periods of the economy, when GDP is growing steadily and inflation is within acceptable limits.

It is difficult for an ordinary person to buy commercial real estate because of its high cost. Objects are different, but usually a good place costs as much as 3-5 one-room apartments. Therefore, many people would rather choose the option of buying 3 apartments than one such object.

Since 2014, the economic situation in Russia has been rather difficult. Real estate prices are not rising. Therefore, many who have invested in commercial real estate are now at a loss. Residential also fell in price, but with slightly less losses for the investor.

The yield from renting out is at a modest 4-6% per annum. This is even less than on bank deposits. At the same time, there are still risks of damage to property by tenants and periodically you will have to invest in repairs (rarely, but still such moments happen).

Of course, it is worth counting on the fact that real estate will rise in price over time, but this is an extremely long process. For the growth of its value in the country as a whole, there must be economic growth. Otherwise, due to wage cuts and high inflation, no one runs the risk of getting into mortgages, even with low rates.

• High reliability
• Real estate can be seen with the eyes, which is very important for many people
• Stable rental income
• Great option for risk diversification

• Low yield
• Low liquidity (when selling, you will have to look for buyers for the average market value, plus another 2-3 weeks to complete the transaction)
• There are real estate overheads
• Large investments (apartments cost at least several million rubles)

4.3. Securities

The securities market is traditionally considered one of the most profitable options for increasing money. Yields here are on average at the level of 8% -20% per annum, provided that you act on the principle of "buy and hold". If you engage in trading, you can significantly increase these numbers and get 30%, and even 100%.

High profitability and high liquidity allow you to quickly and efficiently manage your capital. Anyone can enter the market, and for this it is enough to have a small investment. I would recommend entering the market with amounts from 100 thousand rubles.

To open a brokerage account online, you can use the following brokers:

These are leaders in the provision of brokerage services in the market. I recommend working with them. They have low commissions, a wide range of trading instruments.

By popular demand from readers... So get ready, pour yourself a cup of tea or coffee, sit back - this will be a voluminous, but very useful, article! 🙂

How would your life be different if you were earning a few hundred or thousand dollars a month and not actively working?

Maybe you'd do business that you have always dreamed of. Maybe you would travel the world more. Perhaps they would move to live in another country with a better climate and quality of life. Someone would spend more time with their family and take care of their health more. And someone would combine all the above! And passive income just allows you to realize these ideas.

The idea of ​​passive income is so attractive for people all over the world precisely because it allows a person do more what he likes and minimize what he doesn't like.

Clarification

I want to immediately clarify one point - I have not seen a completely “passive” income. Almost every passive income requires some work, at least in the beginning, after which it can generate income for a very long time without requiring your active involvement.

So, let's look at the main types of passive income.

Rent out property

You can purchase residential or commercial real estate for rent, or you can rent out the real estate you already own (for example: an apartment, a house, a cottage, a garage, a basement, an attic, etc.). You can even rent out part of your home (for example, one of the rooms, using the service . You can freeze and pass through).

Rent out your home and move into a rental property yourself

Don't want to share your home with anyone? You can rent out your own, more expensive housing, and also rent another, but cheaper one yourself. The difference in these rents will be your additional passive income.

Sell ​​accumulated trash and junk

If you think that these are pennies that are not worth wasting time on, look at how my wife and I for thousands of dollars! Many of these things were kept from student days and littered our house for years.

Turn your car into a source of income

You can rent your car to taxi services, or you can use it as an advertising medium. Similar services have long been present in large cities.

Deposits

Deposits are one of the easiest and understandable way for the population to save money and earn passive income. It's simple - you give the bank your money for a certain period, for which the bank charges you interest. The return on deposits is usually low and does not cover inflation, therefore, this way of earning is only suitable for short term strategies.

If you know a subject (no matter what topic!), write an e-book and sell it on your website or on e-book marketplaces. Writing a book takes from a few days to 2-4 months, but when you write it and place it on book sites, it can provide you with passive income for years.

Create a video tutorial

The idea is the same as with the e-book. If you are an expert in some area, record a video course and sell it on special educational platforms (see the full list of platforms for creating video courses ) or on your website.

Create or buy a ready-made online store

If you already have products for sale or you know how to organize supply, distribution and delivery, it's time to think about your own online store. There are services that allow you to put delivery, storage, accounting, sales, payment acceptance, discounts and promotions, and even marketing on the machine.

Start your own YouTube channel and earn from ads

You can shoot simple videos (including on a mobile phone) - music, educational, comedy, movie reviews, equipment - anything!YouTube will show ads to people before or while playing your videos, and you will receive money (with monetization enabled and AdSense connected).

Earn from ads on your site

If you have your own site, you can (should) enable ads (AdSense or any other). This is done in many ways (read on the Internet) and is generally very simple. People come to your site, read or watch something, and ads are automatically shown to them. You get paid for views and/or clicks from your readers. See examples of advertisements at . Subscribe to my articles to see how it works in articles :).

Credit card bonuses - No No No!

My readers are well aware of my opinion on plastic cards - do not be fooled by the settings “I pay off my card debt every month” or “I earn miles or cashback” and other nonsense. Just ask yourself the question, from what .... Does the bank give you free money, miles, cashbacks and other goodies? 🙂 I explain in detail here: In a nutshell, try to get rid of this source of “income” because. in the end, you will lose much more than you will earn. Trust the man who had over 20 mega cool cards))) Also read and watch:

Do you love photography and are you good at it? Then you can sell your pictures or videos through photobanks such as Shutterstock, Depositphotos and iStockphoto You will earn a percentage or a flat rate for every photo or video sold through these photobanks. You upload your photos and videos to one or more platforms, and this is where your active actions end.

Microloans - NO NO NO!

Microloans are a disgusting tool for robbing financially illiterate and desperate people. People take a small amount “before salary” at 100-200 or more percent per annum, thinking “Just think, the interest will be only 500-1000 rubles. It's just a penny." There are platforms that offer you to become a lender and receive a certain percentage of it. I will not give links. categorically against earnings, which drives other people into the financial abyss.

Accelerated repayment of loans and debts

Every penny you pay into the bank is a penny that could (passively) make money for you! Debts, like termites, devour and destroy the financial well-being of the family. It is important to understand that for each dollar (ruble, etc.) returned earlier than the schedule, interest will not be charged (months or years in the future) and all these months or years you will be able toearn interest yourself instead of paying it to the bank.

Example: If instead of a 20-year mortgage, in the amount of 3 million rubles. (~ 50 thousand dollars. This is a studio or odnushka in St. Petersburg), taken for 20 years, at 12%, set aside the same money that you will pay the bank monthly (monthly payment will be 33 thousand rubles), at, say, 8% - in 20 years you would have accumulated an amount approximately equal to 20 million rubles (~ 300-350 thousand dollars) due to ! This amount would be enough to provide you with an income of between $1,500 and $3,000 for the rest of your life. per month! With such an income, you could live well in any country from east to west! By the way, this amount would put you in the 5-10% of the richest people on the planet! Check it out .

Change jobs

If you are sure that you are being paid below the market, go for an interview and change jobs! Thus, for many years you will provide yourself with additional income in the form of the difference between the old and new salaries. This can be very scary to do, because. we, people, get attached to the team, to the work performed, to the status, to various bonuses, to stability, etc. We are afraid to take risks and change something. However, every fear has a price! If you're losing hundreds or thousands of dollars a year, it's time to stop being afraid and start taking action!

Ask for a raise

You can change jobs to a new one, or you can ask for a raise. If you find out (and you don’t just think so) that you are objectively worth more, if you bring value to a company that you can evaluate and show to management, if you are not easy to replace, ask for a raise. Read: .

Get everything from the state!

Take everything from the state what it provides by law. You may not pay (that is, you will return this tax to your family) the tax for purchased real estate (up to 260 thousand rubles or 4,300 dollars), for mortgage interest (390 thousand rubles or 6.5 thousand . dollars), for education and treatment, etc.

My wife and I, for example, used a tax deduction when buying real estate. This returned 130,000 rubles (more than $5,000 in old money) to the family. We received all possible benefits for children, including maternity capital (450 thousand rubles or 7.5 thousand dollars).

In addition, you can getsubsidies(compensation) from the state to pay for utilities, to create / develop a business, payments to mothers under the certificates of "Maternity capital", try to get affordable housing (for some categories of citizens),social benefits for the birth of a child, etc.

You can buy a blog or a ready-made online business

Thousands of blogs and online businesses are created every year, and many of them are abandoned after a while. If you can find and purchase a blog/online business with a sufficient flow of visitors, then you can make good money from it. Blogs typically sell for 24 times your monthly income, giving you a 4.2% (100/24) return (usually in dollars) - which isn't very much, but not very low considering dollar deposit rates in banks. Plus, a blog or Internet business can be developed and earnings increased.

Participation in reviews, clicks and other online manipulations

Many advertisers pay money for certain actions on the Internet, such as: click on a link, leave a review, like, repost, fill out a form, etc. Accordingly, there are services (ex. seosprint, v-like.ru, socialtools.ru, sarafanka.com, prospero.ru, smmka.ru, etc.), which can automate the process and connect advertisers with people who want to earn in this way. However, such earnings can be called passive only conditionally.

Stock

The action is A security that gives its owner the right to a share in the company and to receive part of the profits in the form of dividends.

Shares of companies can be bought through a broker. The entry threshold is usually very low. Earnings will consist of two components - the growth in the value of the share (bought cheaply and sold more expensively) as well as dividends that companies (though not all) can pay to the owners of their shares. However, I do not recommend that non-professional investors buy stocks in single companies, because. without significant experience and knowledge, such purchases will be similar to casino bets. The best solution for an inexperienced investor would be mutual funds or structured products offered by brokers. Such funds/products include many shares, so a sharp drop in the value of one share will not significantly affect the fall of the entire fund/product.

Bonds / bonds

A bond is a fixed income bond.In essence, it is a loan agreement between a lender (usually national governments, municipal governments and private companies), under which you lend a certain amount, for a certain period and at a certain percentage.

The riskiness of this instrument usually very low, but the yield is also low. However, you can (often) earn more on bonds than on bank deposits. You can also buy bonds through a broker, but the entry threshold can be high, from tens of thousands of dollars to a couple of hundred thousand.

mutual funds

mutual funds or Mutual Investment Funds are a kind of pool of money from a large number of investors (like you, for example), which is managed by a management company in order to increase the value of this fund.

Mutual funds can be chosen for every taste- industry, "blue chips", etc. The value of your share (the part you bought in the fund) can go into a deep minus and grow rapidly upwards. Therefore, this is a long-term instrument, for investing for 5-10 or more years. The entry threshold can start from several tens of dollars or thousands of rubles.

ETFs and index funds

In developed Western markets(for example, the American or European stock markets) you can invest in ETFs ( Exchange Traded Funds ) or into index funds (the same ETFs linked to a specific index). These instruments, as a rule, are tied to a certain type of assets (for example, blue chips, stocks of fast-growing companies, companies in the oil sector, the stock index of the largest American companies (for example, the S & P500), etc. There are a great many of them and you can choose for every taste and attitude to risk!

You can buy these instruments (in Russia) through brokers, which provide access to foreign markets and instruments.These are very cool tools., allowing you to earn from 5-10 percent or more in dollars and get rid of the country risk, which is very important for you and me 🙂 Like mutual funds, ETFsthese are long-term instruments designed for investment for 5-10 years or more. The entry threshold is from a couple of hundred to several thousand dollars. These are my favorite passive income tools!

“A dollar saved is a dollar earned!” B. Franklin.

You may not have come across any of the methods described above, but there is one way to make money that is available to everyone! This is . Saving money is unpleasant. However, saving is "smart" when you save money but do not noticeably change the lifestyle you are used to - even exciting and reckless. Hundreds of Smart Saving Ideas .

Investment in yourself!

In all my materials I write and say that money is always a tool (like an ax, a hammer or a brick), but not an end in itself. Therefore, the most inexpensive investment with the largest short-term and long-term returns are investments in yourself, such as:

- investment in relationships with spouse, children, relatives, friends. For example, a failed marriage can put an end to all your investment desires for years and decades and ultimately ruin you. What are you doing to keep your relationship alive?

– investment in health- these investments bring income, ranging from saving on expenses for doctors and medicines, and ending with the fact that a healthy body greatly affects the health of your “brains”, your thoughts, mood, motivation, which, in turn, affects everything in including the ability to earn more and invest better. See how I play sports for free.

- spiritual development- we usually leave this aspect to the very end, although in life it is almost the most important. Your spirit, your mood, your attitude towards life and other people, your life goals affect everything!

What type of passive income to choose?

None alone!None of the tools described above in isolation will be the right and good solution for generating a confident and reliable passive income. Remember - “Don't put all your eggs in one basket”! As a rule, it is necessary to combine some the tools described above. Something like - part of the assets in cash, part in bonds, part in real estate, part in mutual funds / funds or structured products. At the same time, part of all assets must be in national currency, and part must be pegged to hard currency (eg, to the dollar).

Test before invest!And one more thing - so that you do not choose - "test before invest" & "try small" - which means - "test, then invest" and "try on a small scale." You do not need to buy one instrument with all your money (for example, shares of a company or a mutual fund) that you have not tried before. Buy it for a small amount, try it, make sure everything works well and further increase your investment in this or that tool.

Break the risks in time!An additional strategy might be to enter one or another instrument gradually - for example, to buy such and such an ETF for a certain amount every month. This will help you reduce (but not eliminate) the risk that you will fit into a bad instrument and lose money.

When should you start creating passive income tools?

The sooner the better! Preferably from school, student life, or at least the first job. But, if you didn't then, it's never too late to start doing it. It's just that the earlier you start, the more powerful (instead of you) compound interest will work, whose strength grows like a snowball, only after a while. Read the amazing story of Susan, Bill and Chris and you will understand what I mean.

BUT! There is one limitation.I recommend that you start investing only AFTER how you pay off all debts (except mortgages) and form the size of 6 monthly income (or expenses, if it's easier for you :). And only after that it is possible and necessary to engage in investments, earning money, etc.

One of the most effective tools for solving these two tasks (get rid of loans and form a Fire Reserve) is.

Conclusion

As you can see, there are many types of passive income. Some of them are very easy to understand and cheap to enter, some are a bit more complicated and more expensive. Don't limit yourself to one instrument, and don't try to fit into too many of them.

The main thing is not to "sit" forever in the asset, who earns less than inflation (like cash under the pillow or money on deposit), and learn to invest their money in profitable (and passive) instruments. And then, one day, your passive income will start earning more than active income, and you will be able to do what brings you joy for the rest of your life!

Will be useful!

Call to action

What can you do right now? Two things:

First.On your own or with help, make your family's annual budget, set yourself the goal of "fast-tracking all debt except mortgage" and "forming a Fire Reserve" of 6 months, and make these two goals part of your budget.

And the second!Meet 2-3 major brokers in your country and city and ask them to tell you about the tools described above, taking into account your financial capabilities and risk appetite. This conversation will be very useful and will charge you with the necessary motivation to engage in passive income!

Each of us dreams of financial independence. However, for the most part, we are forced to work actively from paycheck to paycheck, feeling the eternal fear of losing our job as our main source of income.

Meanwhile, there are options for the so-called passive income, for example, we told in detail. Such earnings do not depend on current activities, the funds are credited to the account due to thoughtful investments made earlier. You can lie on the beach and earn passive income as the only source of funds, or you can work peacefully in the office, along the way getting a nice increase in income and not worrying about a possible loss of work.

Today's selection presents the best sources of passive income. Of course, most of the ideas from the top 10 require a certain start-up capital, but there are also ways that allow you to lay the foundation for future income without investment.

Unlike bank deposits, such investments bring a higher income. However, the risks here will be much higher. Credit unions and trust funds do redistribute capital so that money will work and generate income, but only if fund management invests it wisely.

Investments in securities can bring a stable income if the investment is made by a specialist. Therefore, such investments require at least minimal knowledge of the state, trends and laws of the securities market. Otherwise, it is better to entrust the funds to professionals, paying attention to mutual funds, which will be discussed below.

8. Passive income on the Internet

- an investment project created on the principles of a financial pyramid, operating on the Internet. The income of investors consists of the funds of newly attracted investors. Investing in HYIP will not allow you to relax - in order not to lose everything, you need to regularly monitor the status of the project.

7. Highly profitable investment

If the investor is not attracted by the independent acquisition of shares or the game on the currency exchange, then the funds can be invested in the most or transferred to an experienced trader. Naturally, the owner of a PAMM account will withhold a commission from income for their services, but professionals better navigate the market and know the most profitable ways to invest.

6. Playing on FOREX

To play FOREX, you need to go through a minimum training in order to master the principles of trading. In addition, trading requires constant attention, which makes income no longer completely passive. However, with a combination of financial literacy with a certain amount of intuition and luck, Forex earns fortunes.

An excellent option for obtaining passive income, however, it requires an impressive investment at the initial stage. After all, not everyone has real estate to rent. If there is an object, then it can provide a stable income from several tens to several hundred thousand rubles a month.

4. Building your business

If at the initial stage a new business requires a full commitment of energy and time, then after a while a successful business can start working like a well-functioning mechanism that does not require the constant presence of the owner. we presented earlier.

Sites allow their owners to earn money by placing ads. However, in order for a web page to become a source of passive income, it must be filled with interesting and useful content, promoted on the network, and then maintained in this state.

Unlike a bank deposit, mutual funds offer a higher return. True, the risks here are higher, however, they allow you to entrust funds to professionals, as well as determine an investment strategy. As a rule, large companies offer several mutual fund options - from the most reliable ones with a lower income to high-risk, but more profitable ones.

1. Bank deposit (Deposit)

The list of passive income sources is headed by the simplest and most understandable way to invest. Currently, deposit insurance covers funds in the amount of up to 1,400 thousand rubles. If you plan to invest more money, then it is better to distribute them among the most.

Hello dear readers. In this article I will try to reveal the topic of passive income as much as possible.

More recently, a person's interest in money and ways to increase their capital was considered, if not shameful, then definitely not deserving of approval. There was an opinion in society that it was possible only at work, and there was a very wary attitude towards all other sources of income.

Of course, then there were good reasons to believe that it was: a lot of people "burned out" on seemingly guaranteed and quick methods to get rich. However, fortunately, other times have come today: there are a lot of opportunities, using which, although not, but seriously improve material well-being.

What is the first thing that comes to mind when a person has a desire (or need) to have more money? That's right, extra work. This decision has its advantages (earnings will definitely increase, plus there will not be that same censure from society). However, the disadvantages that this method has in abundance (lack of time, effort, qualifications, experience, and much more) often put an end to finding additional work.

What is left to do in such a situation? Fortunately, the modern world provides an opportunity, literally without doing anything for this. The name of such a wonderful method (or rather, a whole group of methods) is passive income.

What is it? By "passive income" is meant such earnings that a person has, one can say, of course - he does not need to work or carry out any actions in order to receive it, he is on his own.

Today, one way or another, many people in our country have passive income, and they themselves often do not realize this. Its amounts may differ: someone has only a few hundred rubles a month, and someone's passive income amounts to hundreds of thousands. The amount of cash receipts is influenced by many factors, which will be discussed later in the article.

The opportunities that passive income provides are usually underestimated. Even those who have heard about this method of generating income believe that it will not be possible to earn at least any significant amount - which means there is no reason to strain. In fact, of course, this is not the case: as I said above, some people receive hundreds of thousands of rubles a month, doing practically nothing.

Who can really benefit from passive income ideas?

Look at the list below: if you consider yourself at least one of these categories of people, then earnings for which you do not need to work constantly will definitely not hurt you.

1. You do not want to constantly work for the state or "another uncle", but you want to put your own ideas into practice sooner or later.
2. You want to retire and go discover the world, but you understand that the existing pension provision is definitely not enough for this.
3. You consider the future well-being of your family to be one of the main guidelines in life and are ready to take real steps in this direction right now.

Of course, it’s good to talk at length about passive income, but how do you start getting it? What needs to be done for this and in what direction should we work? This is what we will talk about today.

1. What is the difference between poor and rich people?

Before starting my review of popular ways to generate passive income, I want to ask you a question: what, in your opinion, is the difference between the poor and?

Did you manage? Remember your answer and keep it to yourself - it is not necessary to announce it at all, but it will come in handy in the future.

My opinion entirely coincides with the views of Robert Kiyosaki, a well-known American businessman and investment specialist. So, Kiyosaki believes that the rich and the poor differ from each other primarily in their attitude towards money. What is it about? Let's understand in more detail.

Imagine two friends. One works in a good place and is an excellent specialist in his field, which allows him to receive very good wages. The second one does not have a brilliant education, which is why it is quite difficult for him to get a good job, and the current one is not paid very much - almost 2 times less than a friend.

Which one is richer? It would seem that the answer is obvious - but do not rush to conclusions ...

Now let's see what expenses both friends have.

The first one (an excellent specialist with high earnings) regularly eats in not the worst restaurants - lack of time, laziness to cook and other reasons do not allow him to make his own food. In addition, he almost always gets home from work by taxi - he doesn’t have his own car (because he didn’t bother to get a license), and his “status” does not allow him to travel on public transport.

Also, the first friend regularly (sometimes several times a month) goes shopping for clothes, and far from being the cheapest. Why is it for him? The fact is that a person absolutely does not know how (and does not want to) restore wardrobe items - even if a very small stain appears that cannot be washed in a washing machine (but is perfectly removed by dry cleaning), he throws the thing into the bin and goes to buy a new one.

Okay, but what about the second friend who earns much less? Going to restaurants is a luxury for him: he visits such establishments once every few months (and even then he never eats, but takes very little), and he travels to and from work by bus. As for things, he not only wears them to dry cleaning, but also tries to restore them as much as possible - sew up holes (and completely imperceptibly), reshape, give clothes a new purpose (for example, turn old jeans into shorts).

But why am I? What does food, transportation, clothing, and other expenses have to do with wealth? Probably, for many of you the answer will now seem incorrect, but it is very simple - the most direct.

Why is it so? Please note: although the first friend has a very large salary, it constantly goes to him for restaurants, taxis and clothes - if you use this regularly, and not on holidays, even a very thick wallet may not be enough (which happens with the first friend, forced sometimes even to borrow from the second).

On the contrary, a friend who handles his money very carefully (spends it only when there is a real need for it) never experiences material need - the difference between his income and expenses is always positive.

That is why the first friend does not have any savings, and his friend, earning almost 2 times less, regularly (from each salary) saves some money on his deposit. For several years, a decent amount has accumulated there, which can be spent, for example, on a car, several trips to other countries or for training.

I hope that after such an illustrative example, the point of view of Robert Kiyosaki (and mine too) has become completely clear to you - The first people to become rich are those who spend less than they earn. Such people are able to limit themselves in unnecessary expenses, realizing that the strategic benefit is much more important than momentary satisfaction.

In conclusion, let's outline the main points in which the difference between poor and rich people is most obvious.

1. Attitude towards wealth and money. If for the “poor” (first of all, not in terms of prosperity, but in terms of way of thinking) people, money is the goal, then for the “rich” it is a means (they provide an opportunity to satisfy the need for a secure future, knowledge, skills).
2. Investments. The "poor" and "rich" dispose of the earned funds in different ways: if the former spend them very quickly and make almost no investments, then the latter will definitely save the funds and invest them in sources that will eventually begin to make a profit.

We figured out how “rich” and “poor” people differ from each other - I think that after reading this section, many people have something to think about. Well, we turn to the consideration of sources and types of passive income.

2. How can you earn passively?

To start generating income that will always be - regardless of whether you work or not - you need to find out what types exist and which ones are most suitable for you.

Sources of passive income can be of four types, and each of them is worthy of a separate story.

Type 1. Intellectual property

Let me start with objects that are created as a result of intellectual work - literary sources, musical works, programs for various events, and the like. In addition, inventive ideas can be included here - they can be patented and have income from the sale.

How is passive income generated for intellectual property? The creator of any object described above acquires ownership and authorship rights to it. If the right of authorship is inalienable, then the first right can be sold and receive income from this.

Realization of the right of ownership, as a rule, does not occur immediately, but during some time intervals. This allows idea authors earn passive income not once or twice, but constantly - after all, this is what we strive for

Despite the fact that royalties today can be very high, this way of earning is available to very few - primarily because it is extremely difficult to invent and promote something unique and original today. However, let's keep this method in mind and move on to the consideration of others.

Type 2. Investments

Investments - investments of funds with the aim of subsequently receiving more than the size of the investment, profit.

In the minds of most people, investments seem to be something very distant, accessible only to very rich people. In fact, investing is available to anyone who has at least some free money - they are also able to make a profit.

Where can you invest money? There are many places:

• bonds and shares of companies, states
• Mutual investment funds (mutual investment funds)
• PAMM accounts
• real estate objects
• bank deposits
• business.

All these opportunities have different returns and different risks, so before choosing, you need to decide what is more important - the amount of profit or the guarantee of capital safety.

Type 3. Marketing

Marketing - promoting a certain product to the markets and making a profit from such activities.

Previously, manufacturing companies around the world were faced with the question: how to do so, to start producing more and better? Today, with some exceptions, there is no such question, and another problem has come to the fore - where and how to sell the goods? In such a difficult matter, marketing helps a lot, and you can make good money on this.

Network marketing is available to everyone today. To start earning in this way, you need very little: a small starting capital (in some cases, you can do without it) and the ability to sell goods. The bottom line is this: You take (or buy) products from the company and sell it to consumers. The difference in the purchase and final prices is your profit.

“Okay,” you ask, “but what does passive income have to do with it?”. Indeed, at first glance it seems that in network marketing you constantly need to go and offer a product in order to be purchased. However, in reality, you can do without it.

For example, Internet sites help a lot in network marketing. If you once invest in the creation and promotion of your own web resource that will advertise the product, then in the near future you will not have to do anything to sell products - customers will come to you themselves.

Type 4. Receipts from the state

Some people, having far from the highest wages and many expenses, nevertheless, live quite well. How do they do it? Perhaps it's a matter of legal literacy.

The laws of our state allow you to receive various payments from the budget. Of course, for this you need to meet certain conditions, but they are not as difficult as they seem, and there are much more opportunities themselves.

I will list only the main ways to obtain funding from the state, which can be available to everyone:

• pensions
• subsidies for utility bills
• business development subsidies (especially for small businesses)
• "Maternal capital"
• subsidies for improving living conditions (“expansion”, certificates for land, houses, apartments).

Summing up the section, I want to say that you should not be limited to only one type of sources. Ways of passive income are very diverse, and you can always work in several directions at the same time - so the income will be much higher.

3. TOP 7 Passive Income Ideas

We have considered the main areas in which you need to work in order to make passive income.

Time to move on to concrete actionable ideas - thousands of people have already taken advantage of them and today have stable cash flows with little or no participation.

Idea number 1. Own site

The Internet is an inexhaustible source of everything: information, customers, sales, goods ... You can’t list everything. The scope of the World Wide Web is so global that despite the truly huge amount of web resources, there is still plenty of room for new sites. That is why in the list of methods for generating passive income, Internet sites are at the forefront.

What does it take to become a webmaster (site owner) and start getting paid? You need:

• knowledge of marketing (not at the level of an institute graduate, basic provisions, principles and skills are enough)
• PC proficiency (you will need some special programs)
• free time
• focus on results.

If you have everything from this list, congratulations: passive income on the Internet is an opportunity for you.

In our age of typical standardized things, any unique product that has properties that distinguish it from other goods is becoming a success - its inventor is rapidly popularizing his name, and copies are sold in very large numbers. If you have an inventive or creative streak, then you can try to write a book, create a canvas or other work of art, develop a breakthrough technology.

The use of such ideas by others, as I said above, can bring long-term profit. It will come from license fees for the use of the product, the development of new solutions based on it, and many other things. Using your intellect to invent something new sometimes allows you to create a source of passive income from scratch: with only paper and a pen (in modern conditions, a computer), a writer can create a masterpiece that the whole planet will read.

But what to do if you can’t invent a breakthrough technology or paint a picture that will be appreciated by critics? Is it really impossible to generate passive income in this way?

Fortunately, it's not all bad. Today, even seemingly ordinary things, but presented in a new way, often have a wild success. A vivid example is traditional crafts: masters of knitting, sewing, pottery, weaving, jewelry earn not only on goods, but also on teaching others their craft.

I can advise fans of modern technologies, active computer users to turn their attention to the Internet. Even, telling about a person’s life, with the right presentation, “blow up” the Network and become mega-popular. In addition, you can write computer software - games, programs and useful utilities that help make modern technology more useful, understandable and accessible to excellent users.

Creating a creative product is easier than you think. Examine your abilities, talents and skills - you will surely find something unique that can be applied and turned into money. If you do your job with a soul and manage to establish a dialogue with people, then do not hesitate - a creative product will be a success.

Idea number 3. Property for rent

Surely you have property that seems to be needed, but at the same time is not used very often (or not used at all). If there is no desire to sell it, then it can be rented out and receive income from this.

What exactly is popular in the rental markets? You can donate anything:

• apartments
• cars
• equipment for repair, construction
• clothes
• furniture
• decorations
• much more.

An obvious option for most is only an apartment - they are usually rented anyway by anyone who owns two (or more) apartments or owns, for example, a house and an apartment at the same time. The rest of the objects, as a rule, hang "dead weight", cluttering up the space and not giving any profit.

For example, after the repair, you still have the equipment that was bought for its implementation: a jigsaw, a puncher, or something else. Throwing away such things, of course, is a pity, there is no need to use them, and if they agree to buy, it is much cheaper than the price in the store. In this case, renting is an ideal option: as a rule, such equipment is needed only for the period of repair, and people are not ready to buy it permanently, but taking it for a while is another matter. For 2-3 leases, you can get the same amount for how many other enterprising people offered to buy an instrument.

Making the service popular in this case is quite simple: just advertise on some regional repair site. If you do not want to spend money, you can leave messages on thematic forums: they are visited entirely by representatives of the target audience, which means that the conversion will be very high.

Of course, this type of income cannot be called completely passive: you need to communicate with clients, check the performance of the leased objects. However, it is this idea that perfectly meets the needs of those who are looking for passive income on the Internet without investment. Judge for yourself: you don’t need to buy equipment (it’s already there), you can advertise for free (links on forums or the same Avito), you can meet with clients at home or in any other convenient place.

Idea number 4. Government payments

Speaking about the ideas of passive income, I mentioned that many residents of the Russian Federation have the right to receive money from the state, but do not use it. In this section, I want to talk about this possibility in more detail and give specific examples.

Who can apply for budget payments? There are several main categories:

• pensioners
• disabled people
• families in difficult situations
• families with many children
• entrepreneurs who have started their own business.

In fact, you can receive payments even when you do not belong to any of the categories listed above (although it will be very difficult to do this, even if you meet the conditions specified in the Civil Code).

Let's move on to an overview of specific types of state support.

Method 1. Childbirth benefits

The state actively stimulates the birth rate, and today families with small children can receive several payments at once:

• “maternity capital” is quite large in size (453 thousand rubles in 2017, while the regional authorities can pay extra at their discretion), but it is issued only when there are at least two children in the family, and it can be spent in a limited number of ways
• child benefits (paid to the mother all the time that she is on maternity leave).

Of course, the size of those "children's" that are today cannot please anyone, but for lack of more, it remains to be content with what we have. Even a small amount of money that comes in regularly and without any effort can help improve your financial condition.

Method 2. Subsidies for business development

The state is interested in developing - this gives new jobs, tax revenues, and in the future also the stabilization of the situation in the country. To this end, the authorities financially help entrepreneurs who have a business idea and a clear understanding of how to organize its implementation.

A business development subsidy is issued free of charge and free of charge - unlike a loan, it does not need to be repaid. Another plus is that absolutely any entrepreneur can apply for such financing.

Of course, the state is interested in issuing money for the implementation of only really promising ideas. Because of this, potential businessmen, in order to get money (and sometimes it is unrealistic to open their own business without the help of the state), provide many documents describing in detail the project, profit and payback period. Papers are considered by authorized structures, after which a decision is made (it can be either positive or negative).

Having received the money, the businessman must immediately put it into action, and then report on the costs to the institution that issued the money. This point should be taken as seriously as possible: if the report does not satisfy the inspectors, they will demand money back.

Government payments are a great opportunity to earn passive income with little to no effort. Of course, it will not be permanent in the full sense of the word (with rare exceptions), but you should definitely not ignore such a possibility.

Idea number 5. financial investments

Let's move on to studying, probably, the most serious method of generating passive cash flows - financial investments.

Why do I say so? Any investor who intends to play in the financial market must have at least the following:

• endurance, patience, desire to improve and learn new things
• initial capital.

If, as a rule, there are no problems with the first, then there are often difficulties with the initial capital. Nevertheless, it is not worth abandoning this method if there is no significant amount of money: a small capital will simply bring less profit.

Where to invest in order to start receiving passive income? There are several investment strategies that differ from each other in terms of costs, payback periods and risks. But first things first.

Method 1. Acquisition of real estate

If you have a fairly large amount on hand (several million rubles), then you can invest in real estate: an apartment, a house, production facilities.

This way of investing can start generating income immediately: when renting out real estate, tenants will pay a certain amount every month. If the value of the object has increased compared to the initial one, and buyers have appeared, then you can sell the property: in this case, you will have not only the money paid for the rent, but also the difference between the purchase and sale prices.

This way of investing is suitable for those who have significant capital and at the same time are completely averse to financial risk. Real estate will always remain in value, and price fluctuations for it are not as significant as for smaller properties.

However, I would like to draw your attention to the fact that real estate will require costs even after its acquisition: an apartment (house, production area) must be maintained, utility bills must be paid, and so on. If you do not have a clear understanding of who the object will be rented to, and the prospects for increasing its value are very vague, it is better not to use this method of investment.

Method 2. Using financial instruments

Securities, Forex markets and other opportunities to make money on price changes are a great way to make money.

What are the advantages of such a method?

First of all, there is no need for a large start-up capital. Having in your pocket (or on) several thousand rubles, you can safely register on Forex and start investing. In addition, here you can very quickly increase your capital several times - stories about people who literally increased their savings by 3-4 times in just a week are by no means a fantasy.

Of course, such advantages cannot be without disadvantages. In principle, there is only one drawback, but quite significant: very high risks. Of course, their size depends on the investment strategy (you can not take risks at all - do not use financial instruments, but in this case you can not count on profit. If you want, like those people from success stories, to grow several times weekly, then I hasten to disappoint - success, even if it is, is guaranteed to dry up almost immediately.

That is why an investor in Forex and other financial markets, for example, must choose the right balance between profitability and risks. To do this, you need to be able to calculate the risks, you will also need the ability to control yourself and be calm in any situation.

Idea number 6. Network marketing

I have already talked about network marketing above, but now I want to dwell on this idea for passive income in more detail.

Selling well-known brands is a truly global process: today it is carried out by people who have nothing to do with the company itself. This happens both because of the oversaturation of the market, and because of the increase in the number of initiative, purposeful, active people who know how to sell a product even to the most intractable client.

Everyone can start earning on network marketing - including you. To do this, you need to meet all the conditions that I mentioned above, as well as be well versed in the manufacturer's product range and be ready to always meet the needs of the buyer.

Now - about what you need to know about network marketing and what methods of earning are there.

The pinnacle of many people's dreams is to create a business that brings in a steady and large income, and without the slightest intervention.

This, of course, is a commendable aspiration, but it must be remembered that a businessman can become successful only if he can understand whether the chosen direction is promising, convince investors (if he does not have his own savings) of future profits and implement the project the way it is. was intended.

Often a potentially very profitable idea “stalls” only because the author himself does not have the money to implement it, and investors are not inclined to give their funds. In this case, an online business can help - it requires significantly less investment, and the results in the future are almost the same.

What are the business opportunities on the Internet? There are quite a few of them:

1. . Even if you don't have anything to sell, it doesn't matter - goods can be bought and sold at a higher price. The Internet makes it possible not to spend money on promotion and rent of space: promotion on the Web can be practically free, and you can give out goods right at home.
2. Provision of services. Strictly speaking, this refers to the promotion of services that are not provided on the Web: legal, medical and other consultations, as well as other types of services. If you have the relevant education and experience, but you are experiencing problems with promotion, then the Internet is your best friend and assistant: it can be used to convey information about the service to the consumer, organize recording and collect feedback.
3. Information business. Knowledge is a capital that will always be valuable. If you have unique information about something interesting and important and want to tell people about it, then you can create your own website (or advertise on forums and other resources) and look for clients through it.
4. Distribution of information. To earn in this way, you first need to create a popular (with a large number of subscribers) page or site. Once this is done, you can contact the owners of large companies whose field of activity corresponds to the theme of the page or resource. It is quite possible that they will agree to send information about themselves through your projects, and you will receive income from this.

As you can see, it can be carried out in many directions, and the main thing is to choose exactly the vector that best suits your ideals, values, aspirations and capabilities.

4. Earn passively via the Internet: working methods

You can and should make money online. The types of passive income are vast and varied, and probably everyone who has a connection to the World Wide Web can use at least one of them today.

Before you start generating income via the Internet, I recommend answering the question for yourself: what do you want to receive? Do you want to earn a small amount quickly and without much stress, or are you ready to invest time, effort and money to ensure a stable cash flow?

If you chose the first option, then I can recommend, for example, making money on social networks or. You can do this in any social network, the work is completely easy, however, it cannot be called passive income - you will have to “scribble” daily.

If you chose the second option, then there are much more ways to earn money through the Internet, which will bring (over time) income without your participation. In this article, I will cover 7 main methods, however, there are actually other possibilities. So let's go.

Method 1. Implementation of advertising on your site

Every year there are thousands of new companies that are faced with the need to sell their products and services. In order for the world to know about them, they need to "untwist" - to advertise in all possible ways. One of the most effective places for promotion is the Internet: the audience is multi-million, and the costs are often less than when advertising in more traditional ways.

Why am I? And to the fact that every webmaster (creator and owner of an Internet resource) can have income from advertisers. It is this method that will be the first in this section.

No. 1. Contextual

Contextual advertising - showing the user the information that either corresponds to the subject of the page, or to what he was looking for on the Internet earlier. This is a great way to generate income even when the site is at the initial stage of its development. Using this method of monetization, the webmaster needs to do a minimum of things:

• think over where on the site blocks with contextual advertising will be placed (if there are errors, it’s not scary - the location can always be changed)
• register in contextual advertising placement programs (Google AdSense, Yandex.Direct).

Everything else (search for clients, advertising placement) services will do for you.

How is this ad monetized? Yandex.Direct, Google AdSense and other similar services at a certain frequency (usually once a month) transfer the webmaster's income to a special account, which consists of the total number of "clicks" on the ad. The more clicks on the link made, the greater the amount will be the owner of the Internet site.

No. 2. Selling links

The owners of other projects on the Web are in dire need of visitors - the more of them, the more successful the site. They can be promoted, among other things, at the expense of special resources involved in "trading" links.

What is the essence of such projects? They act as intermediaries between those who want to “buy” a link (pay for the link to the desired site to be on a well-known and popular resource), and between those who want to “sell” the link (place it in an article on their site) .

If your project is well promoted (it has at least 5 thousand visitors daily, although each link exchange has its own requirements), you can try to "sell" links. To do this, you need to create an account on the exchange and place your offer to potential buyers.

• "eternal" - sold immediately for the entire life of the site
• rental - are placed for a certain period, while the payment "drips" with a certain frequency.

Income from this way of earning is unpredictable - it can vary greatly depending on the subject of the site, its age, traffic, and even the time of year. At the stage of the project’s formation, it’s definitely not worth resorting to it: the danger of a “ban” from search engines is great, and then the site can be closed. It is necessary to wait at least six months, and even then register on projects for the implementation of links.

No. 3. Sale banners

How it works? The principle of operation is similar to contextual advertising: the webmaster also needs to provide a place for the ad unit (it should be visible, while not obstructing the perception of information) and place ads from employers on it.

What's the Difference? There is no intermediary in the form of Google AdSense or Yandex.Direct service - the contact takes place directly between the advertiser and the webmaster. Due to this, the profit of the site owner increases, but the number of clients, as a rule, decreases - most of them immediately turn to Google or Yandex, without working directly with project owners.

In order to sell banner advertising, the site must have comprehensive information about the terms of cooperation - terms of placement, cost, and other provisions. It is best to allocate a separate page on the resource for this, so that all the information is in one place.

To summarize, I can give webmasters who are going to receive income from advertising a couple of tips:

• you need to have good knowledge in SEO-optimization of resources and learn how to interact with advertisers (this will come with experience)
• the site should be made primarily for people, and not for monetization - uninteresting web projects are never considered by advertisers, and Google AdSense and Yandex.Direct are getting better and better at ignoring such resources.

Method 2. Affiliate programs

What ? It is a way for sellers to attract customers. It consists in the following: a company that has a product attracts other people to distribute it, promising some income from each sale.

Today, almost all major sellers of goods and services have affiliate programs - in this way they save not only time, but also money, and other people get the opportunity to earn some good money.

Finding is easier than you think - there are many ways to do it:

• place a banner on your own website (if any)
• create a group in a social network, distribute the link among its members
• buying an article in which the link is “embedded” on a third-party resource
• posting a video on the Internet with a referral link (you can show it in the video itself and place it in the description).

When participating in an affiliate program, you definitely need to find out how reliable its organizer is. There are many cases when promising and promising projects actually turned out to be an ordinary “divorce”. It is worth paying attention both to the reviews of friends and acquaintances (if they have previously participated in the program), and to the opinions on specialized Internet resources.

Method 3. Investing

To get a good profit, sooner or later you will need money - if there is no start-up capital at all, then you can’t count on large sums.

As soon as you get at least a few tens of thousands of rubles free for investment, you can start investing. This way of generating passive income, as I said above, is potentially the most profitable, but also the most risky.

What to do to reduce the risks of losing funds to a minimum value? A great way is to diversify your investment portfolio. The word is quite complicated, but in practice everything is quite simple: it means the distribution of funds between various instruments.

For example, a portfolio that is quite popular in the investment environment looks like this: 40% of all funds are directed to bank deposits (minimal risks, low profit), 40% - to PAMM accounts (the risks are more significant, but the profit is greater), 20% - to others projects.

In addition, within each instrument, funds can also be distributed (for example, make not one, but several bank deposits, make several instead of the only one).

The portfolio described above is the optimal combination of risks and profitability: it provides an almost 100% guarantee of the safety of funds (if not all, then at least part of them), and at the same time gives a significant profit.

PAMM-accounts, Mutual Funds… Surely an unprepared reader has a question: “What is it all about?”. We will now talk about what investment instruments are and what features they have.

Method 4. Bank deposits

A bank deposit (or deposit) is an understandable and practically risk-free way to generate passive income. It is implemented as follows: you open a bank deposit, deposit a certain amount into a special account, and after a predetermined time period, an income equal to a certain percentage of the amount is credited to the account.

How much can you earn with a bank deposit? No - today the rates in large and well-known banks (and it is probably not worth opening deposits in others) are at around 7-8% per annum - that is, approximately at the same level as inflation. So, today, deposits help rather not to increase savings, but to save them.

However, where there is less income, there are less risks. Of course, bank failures are not uncommon today, but almost all financial institutions are members of the DIS (Deposit Insurance System). If the bank does not have the funds to pay depositors, another financial institution appointed by the DIA (Deposit Insurance Agency) will do it for it. It should be noted that only savings of up to 1.4 million rubles fall under the program.

Do I need a bank deposit in the investment portfolio or can I bypass it? Despite the very small profit, the answer is unequivocal - it is necessary. The deposit acts as a financial "airbag" - even if all other funds are lost, the money placed in the bank will make it possible not to go bankrupt.

Method 5. Mutual funds

(or mutual fund) - a complex in which there are two types of participants: shareholders (people who invest money) and managers (people who manage money for profit; often they are part of the same organization).

In a simplified form, the process of functioning of a mutual fund can be described as follows: an investor buys a certain number of shares (securities) and becomes a member of the fund. The money that was contributed to the purchase of shares is used by managers in financial transactions to make a profit. If the income was received, then it is distributed among the shareholders according to the principle "the more securities, the greater the profit."

About 10-12 years ago, mutual funds were a very popular investment method - the return / risk ratio was quite high. Today, the situation has changed quite dramatically, and a lot of fraudulent structures have also arisen, in connection with which mutual funds are usually not considered by advanced investors today.

Method 6. PAMM accounts

A PAMM account is an investment method similar to a mutual fund.

The mechanism of operation is as follows: a group of investors is gathering who do not want to trade Forex on their own, but have capital. Next, the players create a common account and search for a successful specialist who can manage this account. As soon as an agreement between the trader and investors is reached, the specialist starts trading Forex in order to make a profit.

How much can you earn on PAMM accounts? It depends on the type of trader (you can work with people who follow completely different strategies), and on his remuneration (usually 20-30% of the profit, but sometimes more).

For a person who is ready to invest money and receive income from it, PAMM accounts are interesting for the following:

• You can “enter” the market even with a small capital (from $10)
• you can choose a trader yourself, having full information about the strategy of his actions and success in previous periods
• transactions with money (crediting to the account, payments from the account) are carried out quickly (within 1-2 business days).

Of course, PAMM accounts also have disadvantages. The first (and most important) is the real possibility of losing all funds. Often even very successful traders show unsatisfactory results in certain time periods, and for many investors this is enough to be left without money.

The second is the inability to control the actions of the manager. A specialist works according to his own rules, and it is almost always impossible to make sure that he does not invest in one or another asset (which may be unpromising).

A PAMM account, despite its shortcomings, is a good way to seriously increase your capital. It is not worth allocating a large percentage of savings to it, but there is definitely a reason to include it in the investment portfolio.

Method 7. Venture investments

Venture investments - (or, as they are also called today, "startups"). Such undertakings differ from others in that they necessarily carry some kind of novelty.

As a rule, a person gushing with ideas does not have the money to fully bring to mind at least one of them. Because of this, he has to cooperate with people who are ready to give money for the development of the undertaking. Of course, not for nothing: if the implementation is successful, the investor who invested his money will receive a certain percentage of the income.

You can become such a person too. It is quite simple to do this: there are many “startup” exchanges on the Web that you can freely enter, register and study the proposed projects. There is an opportunity to communicate with the authors - first-hand information will help you make the right choice.

What should you keep in mind when making venture investments? There are two main points:

1. There are a lot of ideas, and it is impossible to invest in everything. However, investing everything in one “startup” is also not worth it. The best option is the “golden mean”: it is worth choosing several projects (3-4) and distributing funds between them depending on the expected development of each.
2. You will have to control how the project is going on yourself - there are no managers. During supervision, it is imperative to compare the development rates of the selected “start-ups” with each other and, if necessary, redistribute capital.

Method 8. Precious metals, currency

When choosing an investment method, any no-no-yes will look at popular and well-known methods - currencies and precious metals. Well, let's talk about them too.

Precious metals listed on various exchanges - gold, silver, platinum and palladium. Since ancient times, they have acted as a means of storing savings (and at the earliest stages of human history, they completely replaced money).

Despite the widespread belief that investing in precious metals is profitable, such savings do not bring large incomes. Moreover, they are unprofitable: at the beginning of 2016, a gram of gold cost more than 3,000 rubles, and today it barely reaches the mark of 2,400 rubles. With platinum, the situation is the same: if at the beginning of 2015 it cost 2700-2800 rubles per gram, today it is a thousand cheaper.

As for currencies, today too much volatility prevents them from being considered as a savings tool: the rate “jumps” back and forth, and it is almost impossible to predict where it will move in the near future and how much it will change. In the situation with the ruble, oil has a great influence: where the “black gold” goes, the Russian currency goes there too.

To get some income from savings in precious metals or currencies, you need to constantly monitor changes and sell / buy assets. Such activity sooner or later turns into trading, and we are talking about passive income.

The same situation applies to bonds, stocks and futures, which can be purchased via the Internet. Profitability is far from the highest, and the risks are high, so I recommend looking at other ways of investing.

Method 9. Internet projects

Finally, the last type of investment through the Internet is investing in projects on the Web.

This name, as you might guess, refers to the most common sites. I have already talked about how they make a profit in this article, so I will not repeat myself.

What is definitely worth mentioning is the payback period of investments. Depending on the subject of the resource, its attendance and the price requested by the webmaster, it takes from one to two years to return the funds. The term, of course, is rather long, but the return is significant: after this period, the project will bring substantial income, which will almost entirely be net profit.

Of course, if you have absolutely no knowledge about sites and how they need to be administered, it is not recommended to use this method - the project should not stand still, and if there are no changes in it, sooner or later everything will die out. However, even if there is a minimum of information, everything will come with experience, because the main thing is the desire not to stand still and improve in a new area for yourself.

Method 10. Passive income through social networks, YouTube

In search of an answer to the question how to create passive income? many come to social networks and video hosting sites. This step, in general, is completely reasonable - you can really make money here.

Where to get them? To increase the number of followers, you can use the following methods:

• advertise in other thematic publics - people will find out that you have a page and start reading it
• hold contests - investments in prizes (often - just a few hundred rubles) pay off many times over (“freebies”, albeit small ones, are loved by everyone)
• “wind up” subscribers (there are specialized services that significantly increase the number of subscribers for a moderate fee).
• agree with the owners of other "publics" - it is quite possible that they will agree to an exchange of advertising (you will place information about the partner's page on your resource, which, in turn, will give its subscribers information about your project).

True, I don’t plan to abuse the method of “cheating” subscribers - often the pages are “fake”, and potential advertisers (those who will bear money for you) will not be interested in them.

YouTube and are promising areas for generating passive income, because the number of users is only increasing year by year. If you manage to create a product that is interesting to other people (and not only information is important here - its presentation, speed, importance, and similar things matter), then the profit (mostly passive) will not be long in coming.

Method 11. Distribution of information

If you are already well “untwisted” and are looking for additional sources of money, then you can look towards the distribution of information.

A good project always has enough readers and subscribers who do not want to miss a single update (an interesting photo, article, news or something else). It is a sin not to give them this opportunity by sending out interesting new materials, for example, to e-mail or to an account on a social network.

How is income generated here? In messages, in addition to the actual information that is interesting to the reader, you can add advertising, referral links and everything that advertisers are willing to pay for. Since messages are almost always read, additional information will not go unnoticed, which means that such advertising will be expensive.

5. Financial independence - what is it and how to achieve it?

In conclusion, I want to talk about one issue that may not quite correspond to the topic of the article, but this does not make it any less important. It's about financial independence.

What is financial independence? Personally, by this I mean complete material freedom - a person does not depend on work, he has such a passive income that makes it possible to live with dignity even without “active” earnings.

Is it real or not? Opinions are very different: someone believes that material independence is quite achievable, and tries to work in this direction. Someone thinks that such a concept is, by definition, utopian, which means that you should not even try to do something.

Who is right? It is impossible to give an unambiguous answer to this question. However, this does not mean that passive income is a pipe dream: as you have probably already seen, it is quite possible to achieve it if you try.

Remember, at the very beginning of the article, we discussed how “rich” and “poor” people differ from each other? This section is a kind of logical continuation of this topic. I want to give you some advice, following which may not lead to financial independence in the full sense of the word, but will definitely help you find the right path.

It may sound pompous, but it is true - a person who has no goals will never achieve anything. On the contrary, those who have goals will sooner or later come to a result.

Goals must be specific and realistic - otherwise it is not clear what needs to be achieved, and it is also unrealistic to achieve. In addition, the goal must be really important, otherwise there will be no motivation to achieve it.

As soon as the goal is achieved, new benchmarks need to be set. Life is a movement, and one success (even grandiose) without development will never have any great significance. It is better to move in small steps, but constantly, than to achieve a lot once and then completely stop.

Material values ​​are, of course, good, but what can they give later? Unlike them, investments in self-development will definitely pay off - maybe not in a material way, but in some other way.

Today, it is not difficult to get useful information: the Internet opens up truly limitless possibilities in this area. You can, without leaving your home, listen to lectures by the most famous motivators, businessmen, investors and wind up knowledge on your own.

Refusing this, motivating by lack of time, age or something else, is not worth it. Time, if there is a desire, can always be allocated, and the Russian people once brilliantly said about age: “Live a century - learn a century.”

The fundamental principle of a “rich” person is that income is greater than expenses.

Often people do not understand at all where they spend their seemingly large enough salaries and savings. Meanwhile, putting this business under control is as easy as shelling pears: all you need is a pen and a notebook, where all income and expenses will be recorded. If you are an active user of modern technology, then you can use office applications (Excel or something similar).

Such a simple step will allow you to quickly determine which costs can definitely be waived and how much money you will have left as a result. Excel spreadsheets (if you keep records on a computer) will also allow you to make a forecast of how much money you will have left if you live in the right economy mode for several months, a year or several years.

If expenses are still more than income, it is worth working in a different direction - it may be worth finding a new (or additional job), as well as looking for other sources of active income. Without them, at the first stages, nowhere: passive income without active (at first) is impossible, since almost everywhere start-up capital is required.

I told about where you can make investments - now it remains to apply the knowledge gained in practice.

If you do not have enough capital, and its loss will be fatal, I recommend starting only with bank deposits. The risks here are minimal, and during the time until the deposit expires, you will save up more money and will be able to move on to other types of filling the investment portfolio.

As capital increases, the portfolio needs to be diversified - to start using as many instruments as possible. At the same time, you do not need to do this at random: before choosing one or another method, you should study it in detail and only then decide whether it is worth using it or whether it is better to look for something else.

An ideal investment portfolio will generate significant returns even when the major financial markets are highly volatile. It has a lot of tools, which means that even the complete loss of one source has practically no effect on well-being.

6. Conclusion and conclusions + thematic video

Passive income is a real opportunity to secure a decent life right now, without being dependent on relatives, the state or anyone else.

There are many ideas, taking into service which, you can start to form your own passive income. Not all of them are original, but the potential is not fully used: each idea described in the article, if implemented correctly, will generate income.

One of the best places to generate income that will appear without any labor costs is the Internet. If you have some money, knowledge and a desire to develop, then be sure that at least one of the ways to make passive income on the Web is a reality for you.

However, in order for earnings without any effort to become a reality, it is not enough to implement one idea well - you need to change your mind. You need to treat money as a means of self-development, keep a detailed record of it and spend no more than you earn. Only in this case you will become a truly financially independent person.

This concludes my review of ideas, methods and tips for passive income. If you have any questions about the topic of the article, be sure to ask them through the comments. If you have something to add to the article, also write to us - real experience is always valuable and interesting to users. Well, I say goodbye to you until the next interesting and useful articles!