Username you want a good income. Internet: variety of options

Concerns a lot of people. The explanation for this is very simple - everyone would like to be able to earn money without bothering with any work. This is the idea of ​​passive income - getting money without working.

The desire to start looking for such a “source of money” especially intensifies during periods when a person encounters difficulties at his main job and understands that he does not want to spend his whole life engaged in routine shuffling of papers, but would like to devote more time to himself, his family, relaxation and self-development.

In this article we will try to describe the most accessible passive income business ideas. Perhaps those who read it will be inspired and find their own source!

Rental

One of the most popular and simplest, perhaps, is income from rental property. This idea is elementary in terms of resources for organizing such income - it is enough to find tenants for the property that you own. On the other hand, the difficulty is, firstly, obtaining ownership of what you would like to rent out; and secondly, achieving profitability. Let's explain in more detail.

A great idea for passive income is renting out an apartment in the city center. What difficulties might there be? Firstly, not everyone has such a property. This is the main problem. Secondly, if you have such an apartment, you need to find a tenant for it. Thirdly, this person should be offered a rental rate that he could afford and, moreover, that would be profitable for you. This should also include the costs of cleaning the apartment after the tenants move out, as well as depreciation costs.

In the apartment example, everything looks quite simple - it is for this reason that today so many people are engaged in such activities. Let's take, for example, a more complex object - some non-residential premises located on the outskirts of the city. It will not be easy for you, as an owner, to find someone interested in such a property.

However, to receive such passive income, you can sublease something. This is, for example, when you rent an apartment monthly and rent it out daily. The benefit received is the difference between the rent and the money returned to the owner.

Copyright

A good passive income can come from the creation of some unique protected object. For example, it could be a musical composition, a computer program, a film or an image. With the protection of music rights, of course, everything is very bad in our country - copyright holders can only make money at concerts. Films make money from theater royalties and television channels buying them. But with a program or picture everything is simpler. In the first case, you can, say, start selling copies of your development directly on the Internet, receiving money for each installation. In the second, by posting an image on photo hosting sites, you will also generate real passive income.

Ideas don't end with these objects - you can come up with something to patent it and live on royalty payments for its use.

Starting a business

Of course, another fairly common way to organize passive income is your own business. It could be anything - a store, a cafe, some kind of service provider, and so on. The advantages of this idea of ​​passive income are obvious: by creating one working business and hiring the right staff, you can step back a little from control over it and engage in parallel development of other projects. Thus, we can talk about increasing the scale and growth of your income.

The disadvantage of owning your own business is the high level of risk and a lot of difficulties that novice entrepreneurs face. Also, we must not forget about the starting capital, which varies depending on what you would like to do. However, this is a topic for another article.

Online project

The development of the Internet has led to the emergence of another large and global area for business. Now everyone can start their own business online. It is noteworthy that the cost of creating such a business can be much lower than investing in a real business. But at the same time, you should not hope that working on the Internet is easy - the competition here is no less than in real life. But by launching a successful project once, you can get guaranteed passive income.

The ideas of what kind of resource this could be (news blog, service, catalog, store, etc.) are unlimited.

Investment

Another obvious passive income idea is investing. There are several disadvantages here - high risk and the need to have money for investment. Assessing the degree of risk, the investor makes a decision about where he would like to invest, after which he begins to receive dividends. The latter is the whole point of the idea of ​​passive income.

Ideas for passive income in a small town are just as relevant as in a metropolis. Investing as a tool for passive income pays off everywhere and always; the main thing here is to correctly assess the likelihood of making a profit or losing money. This depends on the area of ​​investment.

conclusions

Of course, the best passive income ideas always remain unknown to the vast majority of people. And only those who have them and who implement them begin to use them. This, on the one hand, is bad for those who do not know what to do to receive such income. On the other hand, everyone has the opportunity to launch their own source of passive income.

If you have money, this could be renting out an object or investing in something. If there is no money, then you can create one based on an interesting idea, or launch your own Internet project. In this case, long-term hard work awaits you, which will certainly lead to success.

And the best passive income idea is the one that works! Good luck in your endeavors!

How to create passive income - 14 working methods + 12 tips for beginning businessmen.

To answer the question: how to create passive income, you need to understand how passive income mechanisms work, how money accumulates in your account, and also what to do in order to start earning money without investing your time and effort?

Features of creating passive income and its difference from active

The main difference between passive income and active income is that it does not require investment of time and labor.

The money arrives into the account by itself.

Of course, you will have to put in some effort to ensure that the profit flows into your account, but it pays off and brings you money in the future.

Active income requires constant work, visiting the workplace and performing one’s duties.

To receive passive income, you need to perform certain actions once to receive it.

Receipts will occur over a certain period of time.

To get rich, you must have at least 1-2 sources of passive income, in addition to the main income received from a permanent job.

Many people talk about this in their books and interviews.

When creating several sources of profit, you can completely leave your work activity “to your uncle” and start your own business.

How to create passive income: 14 best ideas

Create your own website or blog on the Internet and promote it.

In this case, passive income is achieved by paying for advertising.

On average, on one site, a beginner can earn about 12,000 rubles.

But you can sell a site where the total number of visitors exceeds 5,000 people for 200-250,000.

You can not only make passive money from this, but also build a highly profitable business.

An alternative to the website is maintaining a VKontakte group.

One well-promoted group can bring the owner from 8 to 15,000 rubles per month.

What if there are five such groups?

Selling your own seminars and training courses.

This option is suitable for those who have graduated from a higher educational institution and have a diploma with the right to teach.

The most difficult thing is recruiting listeners.

However, if the topic is interesting, people will find you.

To write a book.

Income from the work "royalty" goes to the author until the book is removed from sale.

Create an intelligent product.

For example, a computer program.

By obtaining a patent for it, you can also receive regular royalties from sales.

Or a car.

Even a one-room apartment can generate income comparable to the average monthly salary of a citizen in Russia.

Renting a salon, hairdresser's place.

The average price of one seat in a salon per month is 8,000 in a small city, and in a salon – more than 20,000 rubles.

Government payments.

They can be received by disabled people, large families or people who have retired due to age.

Bank deposit.

Investing money in a bank as a deposit is not a great passive income, but for the most part allows you to save money.

However, it is still quite possible to receive not an extra 3-10 thousand per month from a large amount.

Sale of securities and mutual funds.

A good option for long-term capital investment with the aim of making a profit.

However, it must be approached very carefully.

Gather all the information about the organization in which you are investing your money.

Income from shares becomes large only after about 7 years have passed since their acquisition.

Own business.

A very good option for receiving passive income, but it requires a lot of effort and time before it starts to generate profit.

Venture investments and profits.

To receive venture capital royalties, you must invest in a newly launched company.

After a few years, you can start receiving a very substantial amount, depending on the amount of the contribution.

Investing money in investment and trust organizations.

Profit is generated through the redistribution of capital.

However, in this case there is a high risk of losing your investment.

Purchase of housing under construction and its sale after construction.

A profitable option if you have the funds to purchase one or more apartments under construction.

You will buy it for 500,000 rubles, and sell it for 1,000,000.

However, most likely, repairs will have to be made, at least cosmetic.

When choosing a developer, you should be extremely careful.

Buy housing only from reliable, well-known developers who have been working in the housing market for several years.

Finding the best option from the many existing ones is not a matter of one day.

You should carefully consider the steps, evaluate the initial capital and decide what is best suited.

Many people, thinking about how to create passive income, do not want to do anything about it.

However, in the beginning you will have to work hard in order to reap the sweet rewards in the future.

12 tips for beginning businessmen to create passive income

To become a free person in terms of finances, not to depend on the opinion and mood of the employer, you will have to work hard.

You are always looking for the best option for investing and starting a business.

Look for new assets that will later turn into liabilities.

• To become a wealthy person, strive to create several sources of passive income.
• Improve your financial literacy.

Be an educated person, read books, attend courses and lectures.

Live the life that rich people lead.

Before investing, study all options, do not invest money at random.

Always have on hand the necessary documents confirming your investment in a company or bank.

• Break your cash capital into several parts and invest in different projects.

Calculate the risks of losing your invested money.

If the risks are minimal, take the risk.

However, if intuition and common sense scream that the investment is not worth making, stop, no matter how profitable the offer may seem.

Think about your future every day.

Decide what you want to achieve.

Open your website on the Internet and develop it.

If there is a lack of capital, the site can be sold for a good amount of money.

• Find a mentor or coach who has already walked your path and can give you some ideas.
• Be prepared for the fact that to create good passive income you will have to work for some time, invest not only money, but also time and effort.

Don't try everything at once.

Focus on one project, and when you finish it, try another.

By focusing on several projects at once, you can get confused and lose your investments.

How to create passive income on the Internet?

Organizing your own financial project is a great way to create passive income.

You can open a business both in real life and on the Internet.

If there is no initial capital, or it is relatively small, the option of creating a business on the Internet is preferable.

Choose the business that you are best at.

This could be website creation, group administration on social networks, copywriting, Forex trading.

To start trading on the Forex exchange, you need to undergo a month of training and conclude several trial transactions.

At the initial stage, invest the minimum amount and develop.

Robert Kiyosaki talks about how to create passive income in the video:

How to create passive income and gain financial freedom?

In books on self-development, achieving success and wealth, millionaires give advice on achieving financial freedom.

We have selected the best ideas:

To avoid remaining poor throughout your life, find time to create passive income, even while working your day job.

In a month or a year, these efforts will more than pay off.

Always strive to create as many sources of passive income as possible.

When you make a profit, invest it again.

Develop yourself.

Financial literacy is a prerequisite for those who want to get rich.

Start by at least reading books by the world's millionaires and billionaires and follow their advice.

People who think about how to create passive income, are already a step above the rest.

Move forward, apply the recommendations we have described and become a millionaire.

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Hello, dear readers. In this article I will try to cover the topic of passive income in as much detail as possible.

More recently, a person’s interest in money and ways to increase their capital was considered, if not shameful, then certainly not worthy 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 think so: many people “burned out” on seemingly guaranteed and quick methods of getting rich. However, fortunately, today different times have come: there are many opportunities, using which you can, although not, seriously improve your material well-being.

What first comes to a person’s mind when he 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 be no 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 remains to be done in such a situation? Fortunately, the modern world provides an opportunity without literally doing anything for it. The name of this wonderful method (or, more precisely, a whole group of methods) is passive income.

What is it? “Passive income” refers to the kind of income that a person has, one might say, unconditionally - he does not need to work or carry out any actions to get it, he has it on his own.

Today, many residents of our country have passive income in one way or another, and they themselves often do not realize it. Its amounts may differ: someone has only a few hundred rubles a month, while someone else’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 they will not be able to earn any significant amount - which means there is no reason to bother. In reality, this is, of course, not the case: as I said above, some people receive hundreds of thousands of rubles every month without doing practically anything.

Who can really benefit from passive income ideas?

Look at the list below: if you consider yourself to be at least one of these categories of people, then earning money for which you don’t have to constantly work will definitely not hurt you.

1. You don’t want to constantly work for the state or “the other guy,” but rather, sooner or later, you want to put your own ideas into practice.
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 now.

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

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

Before I begin 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 the poor?

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

My opinion completely coincides with the views of Robert Kiyosaki, a famous 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 he talking about? Let's take a closer look.

Imagine two friends. One works in a good place and is an excellent specialist in his field, which allows him to receive a very good salary. The second one does not have an excellent education, which is why it is quite difficult for him to get a good job, and the current one does not pay 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 (an excellent specialist with a high salary) 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” doesn’t allow him to use public transport.

Also, the first friend regularly (sometimes several times a month) goes shopping for clothes, and not the cheapest ones. Why does he need this? The fact is that a person does not know how (and does not want) to restore wardrobe items - even if there is a very small stain that cannot be washed in a washing machine (but can be easily removed by dry cleaning), he throws the item in the trash 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 enough, but takes very little), and he travels to work and back by bus. As for things, he not only takes them to the dry cleaner, but also tries to restore them as much as possible - sew up holes (and completely unnoticeably), reshape them, give clothes a new purpose (for example, turning old jeans into shorts).

But why am I doing this? What do food, transportation, clothing, and other expenses have to do with wealth? The answer will probably seem incorrect to many of you now, but it is very simple - the most immediate.

Why is this so? Please note: although the first friend has a very large salary, he constantly spends it on restaurants, taxis and clothes - if you use this regularly, and not on holidays, even a very thick wallet may not be enough (which is what 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) puts aside some money for his deposit. Over the course of several years, a decent amount of money has accumulated there, which can be spent, for example, on a car, several trips to other countries, or on education.

I hope that after such a clear example, Robert Kiyosaki’s point of view (and mine too) has become completely clear to you - First of all, those people who spend less than they earn become rich. Such people know how to limit themselves in unnecessary expenses, understanding that strategic benefit is much more important than momentary satisfaction.

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

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

We have 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 move on to considering the sources and types of passive income.

2. How can you earn money passively?

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

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

Type 1. Intellectual property

I’ll start, perhaps, with objects that are created as a result of intellectual work - literary sources, musical works, programs for various events and the like. In addition, this includes inventive ideas - they can be patented and have income from implementation.

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 it.

The realization of property rights, as a rule, does not occur immediately, but over certain periods of time. This allows idea creators receive passive income not once or twice, but constantly – because this is what we strive for

Despite the fact that royalties today can be very large, this method of earning money is available to very few - primarily because it is extremely difficult to invent and promote something unique and original today. Nevertheless, let's remember this method and move on to consider others.

Type 2. Investments

Investments are investments of funds with the goal of subsequently receiving a profit greater than the size of the investment.

In the minds of most people, investing seems like something very distant, accessible only to very rich people. In fact, investing is available to everyone who has at least a little free money - they can also 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 is the promotion of a certain product to markets and making a profit from such activities.

Previously, manufacturing companies around the world were faced with the question: how to start producing more and of better quality? Today, with some exceptions, such a question does not arise, but another problem has come to the fore - where and how to sell the goods? Marketing helps a lot in such a difficult task, and you can make good money from it.

Network marketing is available to every person today. To start earning money in this way, you need very little: a small starting capital (in some cases you can do without it) and the ability to sell a product. The bottom line is this: You take (or buy) products from a company and sell them to consumers. The difference in 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 around 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 invest once in the creation and promotion of your own web resource that will advertise your product, then in the near future you will not have to do anything to sell your products - customers will come to you themselves.

Type 4. Receipts from the state

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

The laws of our state allow us to receive a variety of payments from the budget. Of course, to do this you need to meet certain conditions, but they are not as complicated as they seem, and there are many more possibilities.

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

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

To summarize this section, I would like to say that you should not limit yourself to just one type of sources. Ways to earn passive income are very diverse, and you can always work in several directions at the same time - this way your income will be much greater.

3. TOP 7 Ideas for creating passive income

We have looked at the main areas in which you need to work to make passive income.

It’s time to move on to specific ideas suitable for implementation - thousands of people have already used them and today have stable cash flows with virtually no participation.

Idea No. 1. Own website

The Internet is an inexhaustible source of everything: information, clients, sales, goods... You can’t list it all. The coverage of the World Wide Web is so global that even despite the truly enormous number of web resources, there is still plenty of space for new sites. That is why Internet sites are at the top of the list of methods for generating passive income.

What will it take to become a webmaster (site owner) and start receiving money? You need:

• knowledge of marketing (not at the level of an institute graduate, the basic principles, principles and skills are sufficient)
• PC proficiency (some special programs will be required)
• 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 standard standardized things, any unique product that has properties that distinguish it from other products gains success - its inventor rapidly popularizes his name, and copies are sold in very large quantities. If you have an inventive or creative streak, you can try to write a book, create a canvas or other work of art, or develop a breakthrough technology.

The use of such ideas by others, as I said above, can bring long-term profits. It will come from licensing 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 pen (in modern conditions, a computer), a writer can create a masterpiece that will be read by the entire planet.

But what to do if you can’t invent a breakthrough technology or write a picture that will be appreciated by critics? Is it really not possible 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 wild success. A striking example is traditional crafts: masters of knitting, sewing, pottery, weaving, and jewelry make money not only from goods, but also from teaching others their craft.

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

Creating a creative product is easier than you think. Explore your abilities, talents and skills - you will probably find something unique that you can apply and turn into money. If you do your business with soul and are able to establish a dialogue with people, then have no doubt that your creative product will be a success.

Idea No. 3. Property for rent

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

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

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

The obvious option for most is only an apartment - they are usually rented anyway by everyone who owns two (or more) apartments or has, for example, both a house and an apartment. The remaining objects, as a rule, hang as “dead weight”, cluttering up the space and not providing any profit.

For example, after the repair you still have the equipment that you bought for it: a jigsaw, a hammer drill or something else. It is, of course, a pity to throw away such things, there is no need to use them, and if they agree to buy them, 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 duration of repairs, and people are not ready to buy it for good, but borrowing it for a while is another matter. For 2-3 rentals you can get the same amount as other enterprising people offered to buy an instrument for.

Making the service popular in this case is quite simple: just advertise on some regional website for repair issues. If you don’t want to spend money, you can leave messages on thematic forums: they are visited entirely by representatives of the target audience, which means 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 rental objects. However, it is this idea that best meets the needs of those who are looking for passive income on the Internet without investment. Judge for yourself: you don’t need to purchase equipment (you already have it), you can make advertising completely free of charge (links on forums or the same Avito), you can meet clients at home or in any other convenient place.

Idea No. 4. State 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 opportunity in more detail and give specific examples.

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

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

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

Let's move on to a review of specific types of government 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 regional authorities can pay extra at their discretion), however, 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 for the entire time she is on maternity leave).

Of course, the size of those “children’s” ones that exist today cannot please anyone, but in the absence of more, one must be content with what is there. Even small amounts of money coming in regularly and without any effort can help improve your financial condition.

Method 2. Subsidies for business development

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

A subsidy for business development 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 without the help of the state it is sometimes unrealistic to open a business), provide many documents detailing the project, profits and payback periods. The papers are reviewed 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 to work, and then report 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 the money back.

Government payments are an excellent opportunity to earn passive income with virtually no effort. Of course, it will not be permanent in the full sense of the word (with rare exceptions), but this possibility should definitely not be ignored.

Idea No. 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 this? Any investor planning 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 one, then with the initial capital there are often difficulties. However, it is not worth abandoning this method if you do not have a significant amount of money: a small capital will simply bring less profit.

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

Method 1. Purchasing real estate

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

This type of investment can begin to generate income immediately: when renting out the property, tenants will pay a certain amount monthly. If the value of the property has increased compared to the initial value, and buyers have also appeared, then you can sell the property: in this case, you will have not only the money paid for rent, but also the difference between the purchase and sale costs.

This method of investing is suitable for those who have significant capital and at the same time are not at all prone 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: the apartment (house, industrial space) must be maintained, utility bills must be paid, and so on. If you do not have a clear understanding of who will rent the property, 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 movements are a great way to make money.

What advantages does this method have?

First of all, there is no need for large start-up capital. Having several thousand rubles in your pocket (or money), 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 come without disadvantages. In principle, there is only one drawback, but it is 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’t 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 exists, is guaranteed to dry up almost immediately.

This 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 No. 6. Network marketing

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

Selling products of famous 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 increasing number of proactive, purposeful, active people who know how to sell a product to even the most intractable client.

Anyone can start making money from network marketing – including you. To do this, you need to meet all the conditions that I mentioned above, as well as have a good understanding of the manufacturer’s product range and be ready to always meet the buyer halfway.

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

The pinnacle of the dreams of many people is to create a business so that it brings a stable and large income, and without the slightest intervention.

This, of course, is a laudable aspiration, but we must remember that a businessman can only become successful 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 as it should be. 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 in the future it gives almost the same results.

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

1. . Even if you don’t have anything that could be sold, it doesn’t matter - goods can be purchased and sold at a higher price. The Internet makes it possible not to spend money on promotion and renting space: promotion on the Internet can be practically free, and you can distribute goods right at home.
2. Provision of services. Strictly speaking, this refers to the promotion of services that are provided offline: legal, medical and other consultations, as well as other types of services. If you have the appropriate education and experience, but are experiencing problems with promotion, then the Internet is your best friend and assistant: with its help you can convey information about the service to the consumer, organize a recording and collect feedback.
3. Information business. Knowledge is 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 make money this way, first of all you need to create a popular (with a large number of subscribers) page or website. 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 earn 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 today, probably, anyone who has a connection to the World Wide Web can take advantage of at least one of them.

Before you start generating income via the Internet, I recommend answering yourself the question: what do you want to get? Do you want to earn a small amount quickly and without much effort, 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 on any social network, the work is completely easy, however, it cannot be called passive income - you will have to “scribble” every day.

If you chose the second option, then there are much more ways to earn money via the Internet that will generate (over time) income without your participation. In this article I will look at 7 main methods, but there are actually other possibilities. So, let's go.

Method 1. Implement advertising on your website

Every year thousands of new companies emerge and face the need to sell their products and services. For the world to know about them, they need to “promote” - advertise in every possible way. One of the most effective places for promotion is the Internet: the audience is multimillion-dollar, and the costs are often lower than when advertising using more traditional methods.

What am I talking about? And to the fact that every webmaster (creator and owner of an Internet resource) can earn income from advertisers. This method will be the first in this section.

No. 1. Contextual

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

• think about where on the site the blocks with contextual advertising will be placed (if there are mistakes, don’t worry - the location can always be changed)
• register in programs for placing contextual advertising (Google AdSense, Yandex.Direct).

The services will do the rest (searching for clients, placing advertisements) for you.

How is such advertising 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 are made, the greater the amount the owner of the Internet site will have.

No. 2. Selling links

The owners of other projects on the Internet are in dire need of visitors - the more of them, the more successful the site. They can also be promoted through 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 a 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 website) .

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 submit your offer to potential buyers.

• “eternal” - sold immediately for the entire life of the site
• rental - placed for a certain period, while payment “drips” at a certain frequency.

The income from this method of earning is unpredictable - it can vary greatly depending on the theme of the site, its age, traffic and even the time of year. At the stage of project formation, you definitely shouldn’t resort to it: there is a great danger of being “banned” by search engines, and then the site can be closed. You need to wait at least six months, and only then register for projects to implement links.

No. 3. Selling banners

How it works? The principle of operation is similar to contextual advertising: the webmaster also needs to provide a place for the advertising block (it must be visible, but not interfere with the perception of information) and place advertisements from employers on it.

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

To sell banner advertising, the website 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 planning to earn 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 increasingly “learning” to ignore such resources.

Method 2. Affiliate programs

What's happened ? This is a way for sellers to attract customers. It consists of 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 make good money.

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

• place a banner on your own website (if you have one)
• create a group on a social network, distribute the link among its members
• purchasing an article in which a link is “embedded” on a third-party resource
• posting a video on the Internet indicating 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 known cases where promising and promising projects in fact turned out to be an ordinary “scam”. It is worth paying attention to both the reviews of friends and acquaintances (if they have already participated in the program) and the opinions on specialized Internet resources.

Method 3. Investing

To make a good profit, sooner or later you will need money - if there is no starting capital at all, then you cannot count on large sums.

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

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

For example, a fairly popular portfolio in the investment environment looks like this: 40% of all funds are allocated to bank deposits (minimal risks, low profits), 40% to PAMM accounts (more significant risks, but higher profits), 20% to others projects.

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

The portfolio described above is the optimal combination of risks and returns: it provides an almost 100% guarantee of the safety of funds (if not all, then at least part of them), while providing significant profits.

PAMM accounts, mutual funds... Surely an unprepared reader has a question: “What is this anyway?” We will now talk about what investment instruments there are and what features they have.

Method 4. Bank deposits

A bank deposit (or deposit) is an understandable and virtually risk-free way to generate passive income. It is implemented as follows: you open a deposit in a bank, deposit a certain amount into a special account, and after a predetermined period of time, 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 rates in large and well-known banks (and, perhaps, it is not worth opening deposits in others) are at around 7-8% per annum - that is, approximately at the same level as inflation. This means that today deposits help not to increase savings, but to preserve them.

However, where there is less income, there are less risks. Of course, cases of bank bankruptcy today are not so rare, but almost all financial institutions are participants in the deposit insurance system (DIS). If the bank does not have the funds to pay depositors, then another financial institution appointed by the DIA (Deposit Insurance Agency) will do this for it. It is worth noting that only savings of up to 1.4 million rubles are eligible for the program.

Do you need a bank deposit in your investment portfolio or can you bypass it? Despite the very small profit, the answer is clear - it is necessary. The deposit acts as a financial “safety cushion” - 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) is a complex in which there are two types of participants: shareholders (people who invest money) and managers (people who manage money for profit; often 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 participant in the fund. The money that was contributed to the purchase of shares is used by managers in financial transactions to make a profit. If income has been received, it is distributed among 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 many fraudulent structures have also arisen, and therefore mutual funds today are, as a rule, not considered by advanced investors.

Method 6. PAMM accounts

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

The functioning mechanism is as follows: a group of investors gathers 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. Once an agreement is reached between the trader and investors, the specialist begins trading Forex with the goal of making a profit.

How much can you earn on PAMM accounts? It depends on the type of trader (you can work with people who adhere to 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 complete information about the strategy of his actions and successes 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 periods of time, 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 prevent him from investing in a particular asset (which may be unpromising).

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

Method 7. Venture investment

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 bursting 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 willing to give money for the development of the initiative. 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 too can become such a person. This is quite simple to do: there are many “startup” exchanges on the Internet, which you can freely go to, register and study the proposed projects. The opportunity to communicate with the authors is provided - 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’s impossible to invest in everything. However, it’s also not worth investing everything in one “startup”. 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 progressing on your own - there are no managers. During supervision, it is imperative to compare the pace of development of the selected “startups” with each other and, if necessary, redistribute capital.

Method 8. Precious metals, currency

When choosing an investment method, anyone will look at popular and well-known methods - currency and precious metals. Well, let's talk about them too.

Precious metals listed on various exchanges are gold, silver, platinum and palladium. They have long been a means of storing savings (and at the earliest stages of human history they even 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. The situation with platinum is the same: if at the beginning of 2015 it cost 2700-2800 rubles per gram, then today it is a thousand cheaper.

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

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 that can be purchased online. The profitability is far from the highest, and the risks are high, so I recommend taking a closer look at other investment methods.

Method 9. Internet projects

Finally, the last type of investing via the Internet is investing money in projects on the Internet.

This name, as you might guess, refers to the most ordinary 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 for investments. Depending on the topic of the resource, its traffic and the price requested by the webmaster, it takes from one to two years to return the funds. The period, of course, is rather long, but the return is significant: after this period, the project will generate significant income, which will almost entirely be net profit.

Of course, if you have absolutely no knowledge about websites 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 stall. However, even if the information is minimal, everything will come with experience, because the main thing is the desire not to stand still and improve in a new area.

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

• advertise in other thematic public pages - people will find out that you have a page and start reading it
• hold competitions - investments in prizes (often literally a few hundred rubles) pay off many times over (“everyone loves a freebie,” even if it’s a small one)
• “increase” subscribers (there are specialized services that significantly increase the number of subscribers for a reasonable fee).
• negotiate with the owners of other “publics” - it is quite possible that they will agree to exchange advertising (you will post information about your partner’s page on your resource, which, in turn, will give its subscribers information about your project).

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

YouTube and are promising areas for generating passive income, because the number of users is only increasing from year to 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 the like are important), then profit (mostly passive) will not be long in coming.

Method 11. Newsletter

If you have already become well established and are looking for additional sources of money, then you can turn your attention to sending out information.

A good project always has enough readers and subscribers who don’t want to miss a single update (an interesting photo, article, news or something else). It would be a sin not to give them this opportunity by sending out interesting new materials, for example, by email or to a social network account.

How is income generated here? In addition to the actual information that is interesting to the reader, you can add advertising, referral links, and anything else that advertisers are willing to pay for in your messages. Since messages are almost always read, additional information will not go unnoticed, which means 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 entirely correspond to the topic of the article, but that does not make it any less important. We will talk 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 passive income that makes it possible to live with dignity without “active” income.

Is this real or not? Opinions are very different: someone believes that financial independence is quite achievable, and is trying to work in this direction. Some people think that such a concept is by definition utopian, which means it’s not worth even trying to do something.

Who is right? It is impossible to give a definite 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 pretentious, but it’s true - a person who has no goals will never achieve anything. On the contrary, those who have goals will sooner or later achieve results.

Goals must be specific and realistic - otherwise it is unclear 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.

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

Material values ​​are, of course, good, but what can they give later? In contrast, 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 obtain 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 gain knowledge on your own.

There is no point in refusing this, citing lack of time, age or something else. Time, if there is a desire, can always be allocated, but the Russian people once brilliantly said about age: “Live forever, learn forever.”

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

Often people have absolutely no idea where they spend their seemingly large salaries and savings. Meanwhile, putting this matter under control couldn’t be easier: 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).

This simple step will allow you to quickly determine which costs you can definitely avoid and how much money you will have as a result. Excel tables (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 proper saving mode for several months, a year or several years.

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

I told you where you can make investments - now all that remains is to apply the acquired knowledge in practice.

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

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

An ideal investment portfolio will generate significant income even when the state of the largest financial markets is extremely unstable. It has a lot of tools, which means that even the complete loss of one source has virtually no effect on well-being.

6. Conclusion and conclusions + thematic video

Passive income is a real opportunity to provide yourself with a decent life right now, without experiencing dependence on relatives, the state or anyone else.

There are many ideas that you can use to start creating your own passive income. Not all of them are original, but the potential has not been fully exploited: every 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 a little money, knowledge and a desire to develop, then rest assured: at least one of the ways to make passive money on the Internet is a reality for you.

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

This concludes my review of ideas, methods and tips for passive income. If you still have any questions about the topic of the article, be sure to ask them through the comments. If you have anything 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!

October 14, 2015

Greetings! Today I'm starting a new series of articles on personal finance. I’m sure a little motivation and useful life hacks won’t hurt anyone. Let's begin!

I believe that sooner or later each of us must reach a level where you don’t work for money, but money works for you. Unfortunately, in Russia this is not taught either in schools or in economics universities.

But in fact it is easier than it seems! And today we will talk about how to organize passive income in Russian realities.

The beauty of passive money is that its availability no longer depends on the effort we make.

Let's take income from employment for comparison. Let's say a manager selling household appliances. His monthly income consists of two parts: a fixed rate plus a percentage of sales. By the way, you can earn very decent money from such work. But! As soon as our conditional manager stops selling vacuum cleaners and washing machines, his income drops... to zero.

Every working day he exchanges his time and effort for cash equivalent. I stopped straining myself (I got sick, quit my job, started drinking) - the stream of money immediately dried up.

Employment is a classic example of active income. That is, income that directly depends on the effort a person makes (like riding a bicycle).

By the way, freelancing and private entrepreneurship are also considered active ways to earn money. Their difference from hired workers is only that freelancers and individual entrepreneurs work for themselves: they plan their workday, look for clients, do advertising, purchase goods, pay taxes, and so on.

But the method of receiving regular income remains the same: freelancers and private entrepreneurs exchange their time, effort and nerves for money. As a rule, at a more favorable “rate” than office managers, but you still can’t relax.

How are passive earnings fundamentally different from active ones? A more favorable “exchange rate” of time and effort for real money! If for an employee the conditional rate is 1:1, for a small entrepreneur it is 1:2, then a good passive source gives a return of 1:50 or 1:100! You work to create a source of income once, and then the money drips in constantly and without your direct participation!

You sleep - your bank account grows. You're on vacation - your e-wallet is replenished. You travel - and the money only becomes more (or at least not less). Ultimately, the attitude towards work changes. Such an autonomous source makes it possible to work for the sake of self-realization or pleasure, and not in order to survive...

Types and examples of passive income

Several types of passive income are relevant for Russia. To be fair, I note that there are much more options abroad. But we also have plenty to choose from!

Financial (investment)

This is perhaps the easiest way to provide yourself with a constant source of payments over time. The principle is simple: we invest money in various instruments, receiving benefits in the form of interest and dividends.

There are a lot of options for investment income (including on the Internet): bank deposits, mutual funds abroad, securities, as well as income from real estate or car rental.

I want to dwell on securities in a little more detail. In fact, there is a whole article about this instrument on my blog, but if you sum them up, there are only two main types - and bonds. The first ones are a riskier option, but with their help you can earn more. Let's talk about them in more detail.

Dividend shares

Few people know that stocks are not only a tool for speculation, but also an excellent asset for earning money: passive and regular. Russian companies have been paying dividends to their shareholders for a long time. On average, the size of dividend payments is now 3-6% per annum. But on the market you can find a bunch of more interesting offers - 8-10% or more (for example, MTS, Surgutneftegaz, M-Video).

Source: Larisa Morozova

The development of the company guarantees an increase in dividends. And you, as a shareholder, receive a “piece” of a promising company and a share of its profits on an indefinite basis. By the way, this approach to shares is also called .

Bonds

For those who prefer a stable interest rate (note, higher than bank interest!) and a low level of risk, .

About 95% of bonds of Russian and foreign companies provide for the payment of coupon income (most often, twice a year). Bonds are an excellent alternative to bank deposits. They provide slightly higher returns with the same or even higher level of reliability. Provided that you invest in high-quality, and not “junk” bonds!

Intelligent, including on the Internet

This option implies the presence of creative abilities and minimal creativity. This includes copyright of a book or logo, or a patent for an invention. It is clear that classic intellectual income is not suitable for everyone and it will not be possible to tell in a nutshell how to create it. But I'll give you a couple of ideas.

“Tutorials” are sold on the Internet in a variety of formats: books, video lessons, personal consultations, webinars, courses and paid access to materials in closed groups.

Naturally, all passive income on the Internet is associated with the creation of websites or services. Therefore, to start receiving such income, you first need to acquire your own project. Let me explain my idea in more detail.

Participation in affiliate programs

Owners of popular blogs and websites can earn money passively through affiliate programs. In my opinion, this is one of the best options for earning money online. The bottom line is that when you click and order a product/service using a link from your website, you receive a percentage of the purchase in the form of an affiliate commission.

It is clear that the theme of affiliate programs should correspond to the direction of the site or group on Facebook. For example, a “children’s” site can include affiliate links to online stores of children’s goods, books in the “Labyrinth” or paid courses for young mothers.

Affiliate programs are also very different in terms of profitability. Some pay more, some pay less. Some pay affiliate rewards fairly, while others strive to deceive. Everything is like in life.

Therefore, it is better to select options on specialized websites - with descriptions and ratings of companies. Sometimes a corresponding topic is suggested by a forum on investments on the Internet. Don't forget to carefully read the reviews about the program!

Creation of online courses

Each of us is an expert in at least something. Try creating an online course on “your” topic. Other training options: video lessons, e-books, audio files, checklists, interviews with experts, webinars.

1. The title of the course must reflect the result. For example, “Your first book in three months”
2. Break a long video course into several short podcasts on topics lasting up to 15 minutes
3. Consider the “clip perception” of modern audiences: less philosophical reasoning, more vivid images
4. Take care of a beautiful “picture”: background music, catchy screensavers at the beginning and end, infographics and slides
5. Provide feedback. Courses with homework checking usually cost more, but also take more time from the author

Reviews on websites

Bonus point. I warn you right away that earnings on review sites will be meager. Very few people can boast of an income of even 1000 rubles a month. Yes, and calling this method of earning “passive” is a stretch.

Who is it suitable for?

1. For those who plan to master the profession of a copywriter and want to make money by writing texts. IRecommend and Otzovik are a great opportunity to learn how to write short commercial texts with a catchy headline
2. For those who still don’t believe that you can make money on the Internet. According to my observations, more and more money from real life is “flowing” into the Internet. And the one who manages to use new opportunities before others wins.
3. For those who consider themselves an expert in one of the fields. If you are well versed in car accessories, natural cosmetics or books, share your opinion with others. Experts usually like to talk about what they know a lot about. So why not do the same for a fee? Albeit symbolic.

Marketing income

The point here is that you create a brand or commercial structure, which over time begins to work for you.

A typical example: a built MLM network or your own recognizable website. If over time your name becomes a brand (at least at the level of a YouTube “star”), then additional earnings are guaranteed through participation in advertising projects and affiliate programs.

Not everyone can make a profit by trading Oriflame or AVON products. But bring it out your own website in 6-12 months for an income of $100-200 is quite real! The site owner can earn money from affiliate programs, from posting paid advertising articles, from contextual and teaser advertising, from selling links and much more.

Where can I get money to create sources of passive income?

Unfortunately, everything in this life “from scratch” and “without investment” only happens in advertising. In principle, everything is logical: in order to “persuade” money to work for yourself, first you need to find this money somewhere and invest it successfully.

Even in the fairy tale about Pinocchio, Alice and Basilio did not promise that money would grow out of nothing in the Field of Fools. Pinocchio had to plant five gold coins in the ground and water them constantly.

All sources of passive income require an initial investment. In MLM you need to buy a minimum quantity of goods. In website building – pay for a domain, hosting and specialist services (design, copywriting, promotion). To create a high-quality educational product, invest money in brand promotion.

So, where can you get money now to secure your long-term future?

There are only two options (and no one has yet come up with a third): increase income and reduce expenses. Or better yet, do both at the same time!

We increase income

It's not just about finding a second job or part-time job (although this is also a good option). “Extra” money for creating passive sources of income can be found in the most unexpected places.

For example, do some general cleaning at home and put up for sale (say, on Avito) all the things you personally don’t need. Here is a sample list: branded clothing in good condition, children's products (toys, strollers, cribs), digital and household appliances, collectibles (stamps, coins, old books, records).

You will be surprised how much “money” is simply collecting dust in your apartment or country house. Do not spend the proceeds from the sale, but immediately place them in assets!

Well, of course, no one canceled the 10% rule. Direct one tenth of all cash receipts to create passive income. As Bodo Schaefer writes in his book “The Path to Financial Independence”: “You won’t notice a loss of 10% per month. You will live either as good as before, or just as bad.”

Yes, and one more important point! In the process of creating a new source of income, what is much more important is not the size of the “top-ups”, but their regularity! And until you reach the income level you set (1,000 rubles, 10,000 or 100,000 per month), you cannot spend your savings on personal goals!

We cut costs

People have come up with ways to save money: sales, discount sites, wholesale purchases of products, energy-saving light bulbs... There are so many options that I decided to write about saving.

And now I just want to set the stage, so to speak.

First, close all debts and loans (especially interest-bearing ones) as soon as possible. Debt is like a boat in the middle of a lake that suddenly begins to leak. You spend all your energy trying to bail out the water and not drown (in our situation, making monthly payments with interest). And you and I need to move forward, towards, and not spin around in one place! Loans and debts shackle you hand and foot, and really slow down your development.

Secondly, buy yourself a diary for last year (or a regular notebook). And record your income and expenses every day, down to subway tickets and a cup of coffee. For convenience, divide your expenses into categories: “Food”, “Entertainment”, “Nonsense”, “Auto”, “Communication” and so on. I promise that at the end of the “reporting” month you will be very surprised by the results obtained.

The program not only allows you to record your expenses, but also provides a ton of useful analytical information on your operations: income, monthly charts, various spending scales. Well, the paid version will allow you to maintain one budget for the whole family!

For example, you and your spouse both keep records in Coinper, each from your own mobile device. As a result, all data is synchronized and you can always find out how much money from the family budget was spent “on cosmetics” or “at a bar with friends.”

Which ones do you prefer? Subscribe to updates and share posts with friends on your favorite social networks!

Who wouldn’t want to travel to different countries, relax at resorts and do whatever they want, while receiving a constant flow of money, but is this possible? - Of course!

This time we'll talk about how to create passive income from scratch, what methods exist and how long it will take for financial independence.

Passive income- this is profit that does not require your direct participation. But it only needs indirect actions that help create and maintain a constant income.

That is, our task is to do something once, after which we will receive a constant profit and only occasionally make changes that will help maintain or increase our income.

10 ways to create passive income

As always, let's start with the simplest, where the minimum investment is required. And we will end in the most profitable way, which will require the most return.

The simplest and most reliable option is to open a deposit in a bank, where you can receive 6-10% profit per year, depending on the total period and amount of investment.

For example, with a deposit of 100,000 rubles, you can earn 8,000 rubles in a year. But if next year you invest 108,000 rubles, then your income for the next year will already be 9,000 rubles.

If you reinvest over 10 years, you can save 250,000 rubles. Imagine that you invested a million rubles, then in 10 years you will have a net profit of more than 1.5 million rubles from the bank.

Remember that banks may have their license revoked, in which case the state will return the money within 1.4 million rubles to all clients.

2. Investments in HYIPs

There are business projects on the Internet that collect investments from people, and after a short period of time pay them back with high interest.

A more popular name for such projects is . In 2016, we managed to rise from $3,000 to $12,565, that is, we received more than 300% of net profit.

Where there are high profits, there are always high risks. HYIPs often close before you have time to withdraw your money. Therefore, I recommend reading -.

Well, if you don’t want to understand this, then you can just follow our list of HYIPs that pay in 2017.

is the most famous cryptocurrency in the world, which was created for the quick transfer of money without commission and at the same time you can remain unnoticed.

He was mining this cryptocurrency using his computer and having accumulated a decent amount, he waited for the rate to rise in order to sell everything.

At the moment, 1 btc costs $900, and at the beginning of last year, it could be bought for $400. That is, with an investment of 100,000 rubles, you could earn 220,000 rubles in a year (120 thousand net).

PAMM accounts— this is connecting a personal Forex account to an experienced trader, after which transactions will be copied on your account.

Thus, an experienced trader can bring up to 300% of profit in a year, of which 30-60% is taken for himself (commissions for excellent work).

As a result, you can earn from 30 to 180% profit per trader on PAMM accounts. Experienced investors create entire portfolios with up to 20 different PAMM accounts.

5. Earning money on social networks

Social networks are recognized as the most visited sites. And where there are a lot of people, there will always be many opportunities for passive income!

For example, you can do:

1. Create a channel on YouTube and earn money from advertising;
2. Create and promote VKontakte groups for resale;
3. Create a large VKontakte group and earn money from advertising;
4. Create an account on Instagram and complete small tasks to earn money;
5. Post affiliate program links.

6. Participation in affiliate programs

Few people know that most of the current Internet services can bring in additional money. For example, you send a friend a link to a useful site, and for this you receive a percentage of his order.

affiliate program- this is making a profit from the service where orders are made using your links. You earn from 5 to 50% from this (depending on the service).

But only a few of these build an entire business! For example, you can praise LetyShops on various forums, which allows you to save money on electronic purchases.

If your friend buys a lot of goods on AliExpress, tell him that you can save 5-10% on each purchase if you do this using LetyShops!

And not so long ago I compiled a list of the most that can bring up to 30,000 rubles a month from various forums and social networks!

7. Creating an information business

If you are a true professional in your field, why not write a book and teach other people? We are talking about creating a cool information business that will generate passive income!

To do this, as a rule, they create a personal website where they beautifully talk about what you can achieve if he buys your book or takes an entire course for 30-50,000 rubles.

In addition, you can create a personal channel on YouTube and promote it to 50,000 subscribers. After which you will have many clients.

Several of my friends are already working closely with the information business and I can say with confidence that after a few years you can earn 150,000 rubles a month (from the sale of books alone).

Do you know that about 70% of all light industrial goods are produced in China. They have learned to make high-quality things that are also very cheap.

There are really many schemes for making money from China. For example, you can open a company and participate in tenders for the purchase of equipment or open your own store in the city.

Another way to sell goods is through the Avito or Yula platform. Well, in addition, open your own online store.

As a rule, the markup on goods is 40-80% of the original cost. Thus, by selling a dozen products a day, you can achieve a net income of 100,000 rubles per month!

A business such as real estate resale is not suitable for everyone, because for this you need to have a decent amount of money. Realtors are well aware that this is a great way to make money.

For example, in Moscow, apartments at the excavation stage are being snapped up quite quickly, especially if the house is being built in a new area that is just being developed.

After the house is rented out and all the amenities have been completed, the apartments rise in price by 20-50% of the initial cost. Well, after the development of the entire area, apartments will cost 2 times more than the initial price.

Thus, with an investment of 3,000,000 million, in 5 years you can get 6,000,000 million rubles. Therefore, wealthy realtors often buy apartments at the foundation pit stage.

10. Renting office space

One-room apartments in Moscow closer to the center cost 5-7 million rubles, and such an apartment can be rented out for 40,000 rubles. That is, our one-room apartment will pay for itself in 12.5 years.

But smarter people will look towards office space, where for that kind of money you can get up to 70 sq. m and when renting from any company at a standard price of 13,500 rubles sq. m, the premises will pay for themselves in 6 years.

It turns out that buying an office is 2 times more profitable than buying an apartment. By the way, retail premises can pay for themselves even faster!

In fact, there are many more interesting ways to create passive income that never made it into one article. If you want to continue, write in the comments.