How to secure residual income. Passive income in Russia: myth or reality? For those who are not deprived of intelligence

From the article you will learn what passive (residual) income is, what sources of passive income exist, as well as a description of practical ideas on how to create it.

Hello dear readers. Eduard and Dmitry are in touch.

If you are interested in the topic of earnings, then you are probably familiar with the concept of "passive income".

The dream of many people is not to work and still earn money.

If you are one of those people, then this article is for you! Every day today people create this type of income, and the easiest way to create it is on the Internet.

We will consider all the methods described below in the form of an overview, and which one to choose to build your financial freedom is up to you.

1. What is passive (residual) income?

Passive income- income that does not depend directly on our labor costs and comes to us in the form of a stable cash flow.

This type of move clearly illustrates the motto " 1 time do - 100 times get».

So, for example, you can earn money by selling your own knowledge by recording your own training video course on a topic that you are well versed in. Once you create such a course, and then it brings you passive income due to the fact that it is sold many times.

You must have heard that there are people who do not work anywhere for years, but live only on passive income, for example, from investments. They are called rentier *

Rentier- a person living on interest or dividends, usually from financial assets, leasing property or products of his intellectual work.

When we see chic beaches with yachts, expensive hotels, houses and cars on TV or in photos, one way or another we associate all these things with great prosperity and financial freedom.

Passive income is the best way to start living the life of your dreams, travel and manage your time as you see fit while everyone else is working.

2. Why do the poor get poorer and the rich get richer?

If you look at the life of an average person in their 30s or 40s, in most cases they spend everything they earn, often have a lot of loans, or borrow from friends "a couple of grand until payday."

All this happens because he does not focus on creating assets that would help solve his financial problems.

Financial slavery is thriving in the 21st century, even though physical slavery is long gone.

Here it is worth recalling a wonderful quote by John Rockefeller, the famous American billionaire:

The one who works all day - no time to earn money!

John Rockefeller

It really is. After all, people become millionaires in their free time, and at work people usually earn money only to cover momentary expenses.

Thus, it is worth understanding that our main asset is time, and rich people are good at using it.

After all, if you look at an ordinary day of a simple person, then we will see a picture that repeats itself every day: in the morning - to work, in the evening - from work, cafes, beer, TV.

At the same time, the progress of such a person in the long run is minimal, especially considering that the majority do not like their work and their income practically does not grow from year to year.

The rich differ from the poor in what they do in their free time.

It is the correct use of time that is the key to achieving wealth and passive income, as one of the tools of financial freedom.

Indeed, in order to create passive income, you need very well actively work. Most often several months or even years. But after that, you can quit your job and become a wealthy person.

According to the famous businessman, investor and financial literate expert Robert Kiyosaki, wealth is not determined by the size of the bank account, but TIME, during which a person may not work, maintaining a comfortable standard of living for him.

In order to understand how you can turn your time into a source of constant passive income, break out of the "rat race" and gain financial freedom, we recommend that you play Robert Kiyosaki's world-famous financial game "Cash Flow".

3. Sources and types of passive income

Surely you are eager to learn how you can create passive income and from what sources it can come. The answers to these questions will be given below.

You just have to choose the method that suits you and work on it.

It is curious that most people say: “But a few months or years is a very long time, I am not ready to wait that long.”

This is the psychological trap. After all, people usually have a working period of 30-40 years, after which they receive only a pension, and this “handout” without exaggeration becomes their only source of livelihood.

It turns out that we can work 30 years in a row (in most cases at a hated job), but we don’t have the patience to take care of our financial future and retire not at 55-60 years old, but say at 30 or 40 years old enough.

No need to fool yourself, because if you definitely decided that you want to create passive income and have more free time, then you need to take decisive action to change your life!

This was an introduction, and now to the tools and types of creating passive income.

There are only 4 main types of passive income:

Let's take a look at each of them and see what tools you can use to receive passive income within each type.

1. Investment or financial passive income

It occurs when we invest money in various financial instruments or items, receiving dividends in the form of profit or interest.

Sources:

• real estate;
• Bank deposit;
• securities;
• our business (when we buy it);
• rental equipment.

2. Intellectual passive income

It arises in the case of the creation of an intellectual product and its further replication. According to this principle, the Infobusiness known to many on the Internet is built: they recorded their training course once, and then sold many copies of it.

Sources of passive income:

• royalties for a published book, song, film role;
• patent for an invention (technology).

3. Marketing passive income

Arises from established marketing systems, such as a commercial website, your network marketing structure, or personal brand rental*

A personal brand is a set of social achievements of a person that is associated with his person and can serve as a reason for using his name (reputation) for commercial purposes.

For example, many stars of show business, sports and cinema act in commercials and become "faces" of a particular company, for which they receive big money as a fee for using their name.

Sources of passive income:

• own developed structure in a network marketing company;
• commercial companies using your personal brand;
• your website on the Internet;
• business, the profit from which is formed from the work of the marketing system (often it is an information business).

4. Legal (legal) passive income

To one degree or another, almost all people talk about the three types of passive income described above, but not a word is said about the fourth, we conditionally call it “legal”.

But it not only has a place to be, but can also become the most easily accessible of all.

You can receive this type of passive income if your life situation allows you to officially receive monetary and other material incentives from the state at the legislative level.

Haven't you guessed what we're talking about yet?

Naturally, the most famous type of such passive income is a pension. Students have a scholarship. But the working part of the population in most cases is deprived of such "buns".

Sources of passive income:

• retirement pension, disability pension, military pension;
• subsidies (compensations) for utility bills;
• subsidies for starting or developing a business;
• "maternal capital";
• affordable housing for people in need.

4. How to Create Passive Income - Top 7 Ideas

Now you know what types of passive income are and what tools you can use to create passive income.

There are different options for creating passive income, let's now look at the most popular ideas of how exactly you can provide yourself with a regular influx of money without working for it all the time.

Idea 1. Creating a site for making money on the Internet

Passive income on the Internet is becoming more and more popular these days. If you are familiar with the principles of marketing, have a good command of a computer, then you can create such an income even from scratch, having only a great desire to learn new things and a certain amount of free time.

For example, now the HiterBober.ru website, where you are visiting and reading this article, brings passive income.

Usually, to start regularly earning from $1,000 a month on your site, you will need from 6 months to 2 years of regular work on your project for several hours a day.

For some reason, some people think that it is very easy to make money on the Internet and having created your site, you can not work anywhere else, as soon as it appears on the network.

This is a big misconception. You will have to work very hard on your site and the most difficult stage here is not to break down, but to reach a regular passive income of $100-200 per month.

If you have (will have) a website that consistently generates passive income, then it can be sold as a ready-made business. At the same time, the amount for which you can sell a profitable site is 20-24 times the amount of its monthly passive income.

So if you have a website that brings in 10,000 rubles a month, then you can sell it for 250,000 - 300,000 rubles.

Thus, you can even create profitable sites for sale and build your business on it.

It's like animal husbandry. You raise a cow and she gives you milk, you can sell it regularly, making a profit, and if money is needed immediately in large quantities, you can sell the cow itself.

On your site you can earn in the following ways:

• selling links;
• placing contextual and teaser advertising;
• by placing paid advertising articles;
• selling advertising space for banners;
• recommending to buy a product or service through your affiliate link (earnings on affiliate programs);
• selling their own training courses (Infobusiness).

Idea 2. Creation of an intellectual (creative) product

If you have the talent of an inventor, writer or musician, then create your own intellectual product - technology, book or song.

So you can receive passive income by replicating them (in the case of a book or song) or renting them out (in the case of technology that can be patented).

For example, the famous Harry Potter writer JK Rowling now has a multi-million dollar fortune thanks to passive income from her intellectual property.

By creating an "invention", "industrial design" or "utility model", you can also create sources of passive income. For it will be yours intangible assets*

Intangible asset- a product of intellectual labor that does not have a material form, but is capable of bringing profit to a person or company by its presence.

Such assets include patents, trademarks, business reputation of a company or person.

Idea 3. Renting property: real estate, transport, equipment

Passive real estate income is the most well-known of all rental types of passive income. But there are other ways too.

You can rent almost everything that has value: vehicles, construction, production or trade equipment, and even things worth more than one average salary in your city.

Usually income from real estate is less than from equipment. For example, there are entire types of businesses where construction equipment, expensive hammer drills are bought and then rented out.

So a drill or puncher worth 20,000 rubles can be rented for 500-1000 rubles a day! At the same time, the payback period of the instrument can be less than a month with a large flow of customers.

Idea 4. Receiving government payments in the form of passive income

If you fall into the category of socially unprotected citizens (disabled person, large family, pensioner, etc.), then you can apply for compensation payments of both a one-time and permanent nature (the same passive income).

To do this, you need to carefully study the civil code of the Russian Federation or contact the social protection service at the place of residence.

You may not know that you should receive thousands, and possibly tens of thousands a month just for being one of the people described above. Don't neglect this opportunity.

Some citizens even pay bribes in order to receive preferential housing or a disability pension without being people with disabilities.

We do not encourage you to improve your financial situation in dishonest ways, but if you have legal grounds for government financial support, why not take advantage of it.

Idea 5. Investments in securities, pamm accounts, banks, mutual funds

Investing in various financial instruments is also a fairly popular way to earn passive income.

All these financial instruments were analyzed in some detail in one of the previous articles: ""

While they have their advantages, they are not without their drawbacks. For example, in a bank, income will be minimal and will barely save your money from inflation.

As for pamm accounts, mutual funds and securities, here in most cases your income will be unstable (with the exception of bonds), and will not be passive.

Rather, by investing in such instruments, you can get speculative profits, but losses are also possible. Be careful!

Idea 6. Network Marketing

This is one of the most affordable ways to create passive income by investing your time, as most network companies need no more than $100 to start.

If you have the talent to find a common language with different people, you are friendly and full of energy, then feel free to start in this industry and in a few months your passive income can be compared with the average salary of a provincial town.

Very well the way of a person in the process of building his passive income in network marketing is illustrated by the “parable of the water pipe” about two guys Pablo and Bruno. One of which worked for money, and the other at that time created a system that made a profit:

Idea 7. Own business

A great way to create passive income is to organize your own entrepreneurial project.

If you do not have sufficient cash to start your business or do not want to risk money, then the best way for you to organize your business is an online business.

Yes, today there are thousands of people earning big money in the global network.

If you think that starting a business is the best solution in your case to create passive income, then you should definitely read our articles on this topic:

Thanks to the information from these articles, you will be able to organize your business from scratch in the shortest possible time and further turn it into a stable source of passive income.

For those who want to open their own business with minimal risks, we offer an alternative option: buying a franchise, a chain of Japanese and Pan-Asian restaurants.

Why this particular project? The answer is simple: our good friend named Sergey has already opened a restaurant under this franchise in Maykop and now has a stable profit. The 1.5 million he invested paid off in just six months - an excellent indicator for a city of 140,000 people. In megacities, funds will return even faster.

Sushi Master restaurants are outlets of four formats: "street", "island", "food court" and "classic". The partner receives a ready-made business model, marketing technologies, unique recipes and help from the start-up team. The rest is a matter of technique.

Here is what co-owner of Sushi Master Alex Yanovsky says about the benefits of the franchise:

Now you know what passive income is, what types of it exist, and what you can do to quit your job, gain financial freedom and be able to travel.

We all dream about getting money and doing nothing. Imagine this. You are sitting by the pool with a glass of freshly squeezed orange juice. The idea creeps into your mind that you need to visit another sunny country. And at this time, every minute there is more and more money in your financial account. Unfortunately, only a few take any steps to make their dreams come true. Creating passive income is not exactly a difficult task, but the result of such actions gives you a completely different life. I would like to tell you about 5 simple steps that will give you the opportunity to create passive income.

1 step. A burning desire to change your life.

First of all, you must develop a burning desire inside yourself to be free, to do whatever you want, to be with those people who understand and love you. In order to make the desire to create passive income even greater, imagine how every morning you reluctantly go to your unloved job, where you obey your boss, fulfill his stupid wishes, constantly have to stay late. Do you want another? So get angry at this situation and say that you will do everything to receive passive income and do whatever your heart desires. And to maintain your “burning” desire, you must compare the situation that you have at the moment every day and imagine the “life of your dreams”. So we figured out what needs to be done at the very beginning of the path of creating passive income.

2 step. Change the mindset of a poor person to that of a rich man.

Try to answer one question: “Why do you have only your 20,000 rubles of monthly salary from your income?” The answer is simple. You have a poor man's mindset. You don't see any other way to get money other than being hired. You have a lot of fears in your head so that money can come to you in large quantities. As a result, a boring, dim, ordinary life of an ordinary resident of Russia. And I am sure that you want another, and therefore you are reading this article now. So your next step in creating passive income is to change your financial mindset. To do this, I recommend that you read only 2 books. At one time they changed my thinking. These are Rich Dad Poor Dad and the CASHFLOW Quadrant. The author of these books is Robert Kiyosaki. In his books, he shows how you can create passive income by changing your mindset. After reading them, I am sure you will look at your income and expenses, your assets and liabilities differently.

3 step. Learn to save money for investing.

It must be understood that the creation of passive income without investments is impossible. You will definitely need money to create various sources of passive income. Therefore, it is necessary to set aside some part of the money from your main income each time. There is a certain golden rule that must be observed. It's called the 10% Rule. Every time you have to save 10% of your income. I received a salary of 15,000 rubles - be so kind as to set aside 1,500 rubles and don’t touch them at all. At first this will be very difficult to do. Well, then it will become a habit for you. You will understand that it is quite easy and soon you will increase the amount of money set aside. A good result is 25% of the deferred money from income. And when you can save 50%, then you can create passive income for yourself faster.

4 step. Choosing the type and source of passive income.

Next, you will have to figure out what types of passive income are. Some will be better off if the cash flow comes from offline (for example, passive income from real estate), and some will find it easier to create passive income on the Internet. Maybe you will be great at writing articles on a topic that interests you about bicycles. Then you can run your blog and earn passive income from the site.

5 step. Investing money in a source of passive income.

After that, you need to invest your accumulated money in the chosen source of passive income. Those. in other words, you must buy an asset that would bring you passive income. A simple example is buying an apartment to rent out. The purchased apartment will become your asset and will bring you additional income every month.

Video about passive income. Parable of Pablo and Bruno

Pablo and Bruno choose two completely different paths to achieve financial independence. What are you going to see? A great animated film about their adventures. So sit back, relax and watch a lesson on how to change your life - the parable of the plumbing.

Far, far away in a small village near a beautiful valley lived two friends - Pablo and Bruno. Both of them were young and wanted a better life for themselves. Often they shared dreams with each other about how they would become the most successful people in the village. They were not afraid of hard work and looked for opportunities to achieve their goals and fulfill their dreams. And once such an opportunity presented itself to them.

The village chief decided to hire two people to carry water from a spring on top of a mountain across the valley to the village. The payment for labor depended on the amount of water delivered to the village. Bruno and Pablo enthusiastically set to work.

Every day, from morning to evening, they carried buckets of water from the source to the village. They did their job stubbornly and diligently. Every evening they returned home with their daily wages. Bruno was happy with his job and the money he was making. He was sure that this work could fulfill his dream. Bruno decided that in order to increase his earnings, he needed to take larger buckets so that more water could fit in them. He hoped that the increased income would soon allow him to buy a cow and the house he dreamed of.

But Pablo was unhappy. At the end of each day, his back and legs ached. He felt frazzled. Pablo was looking for an easier way to earn more and one day an idea came to his mind. He imagined how he would build a water pipe to bring water from a mountain spring to the village. This plumbing would allow him to carry more water without carrying any buckets. He soon got excited about the idea and began planning.

Pablo suggested that Bruno build a water pipe together, but he decided that this idea was meaningless. All Bruno was thinking now was how to make money faster. He believed that it would take a lot of time to build a water pipe and that he would achieve his goal later. Instead, Bruno took out a bigger bucket and began to carry water faster. He was sure that this way would bring him more money.

Pablo decided to build the plumbing alone. He understood that it would not be easy and take a lot of time until the plumbing was completed. Pablo knew that it could take him several years to build. But he focused on his idea. Every day he worked and carried water as before, but in his spare time he built his own plumbing. In the first month, he had nothing to brag about. Bruno and the villagers laughed and teased him. They called him Pablo the Plumber.

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At the same time, Bruno's income doubled. He has already bought a cow and a big house. His life changed. Now he spent his time after work at the bar, enjoying what his hard-earned money gave him. But he didn't realize that his back was hunched because of the hard work. The face was emaciated and the body emaciated. Soon he began to carry less and less water due to the fact that his health was deteriorating and deteriorating.

Pablo worked month after month. Soon a year passed, and then another. Finally the building was completed. Pablo was now making more money than Bruno. The flow of water to the village did not stop for a minute while Pablo rested, slept and ate. Pablo was happy and could be proud of his insight, diligence and perseverance. Now the money flowed to him as well as water in the tap.

The story of Pablo and Bruno is a reflection of real life. We usually try to increase our income by working more and more, working in our free time or working two jobs. We are also trying to increase our monthly salary, which leads to more employment and less free time.

Most of us trade time for money. We know that each person has only 24 hours a day and that it is impossible to devote all the time to work. The hardest times come when we can't trade time for money due to age, health, or any other reason. And then our income stops.

And Pablo didn't trade his time for a limited income, but he did use some of his time to build the plumbing. He knew that the plumbing would begin to bring a steady income. Pablo knew that the time would come when he would not be able to exchange time for money. But what about you? Are you still the same as Bruno, or do you want to be like Pablo and receive passive income. You can start building your financial flow right here and now.

7 reasons to create passive income

Freedom.

Everyone needs money to survive in this world. To do this, we go to work, where we “plow” for a whole month for a tiny salary. When we work for someone, we are not free and dependent. We do not have the right to our opinion and choice of actions, everything is already written in job descriptions. And, if you have passive income that exceeds your monthly salary, then you have the opportunity to choose and act. You decide when and what you do. Creating passive income allows you to reach a new level of financial development.

Time.

If you create several sources of passive income that bring you high profits, then you have a large amount of time released. You can use this time as you wish. Someone visits him with people close to him, someone travels, and someone begins to create his own business or another type of passive income.

Independence.

If you have a passive income, then you will not care about salary delays at work, lost bonuses and bonuses. The resulting profit from liabilities gives you the understanding that you are independent. This removes your fear of being left without money and allows you to be more liberated in your actions.

Safety.

When you know that every month you will have money from passive income, then a feeling of security comes. You don't have to worry about where to get the money for food, clothing and housing. Even if you get sick and have to quit your job, there is a whole wall of cash flow behind you.

Confident future.

Each of us thinks about our future. What will happen to us when we can no longer go to work. Who will support us? Everyone thinks about retirement all the time. But in the realities of our country, a pension does not provide a secure life in old age. Therefore, by creating various sources of passive income, you create your bright financial future.

Stability.

If you correctly create a passive flow, you will constantly receive money at the same time.

Mobility.

How it freezes when you have to sit in the office all day. Everything is on schedule, lunch is on schedule. And if you violated the internal regulations, then a deduction from your monthly salary will follow. Passive income saves you the effort of exchanging money for time. At a time when money is earned by yourself, then you can afford anything. You can travel, do yourself and other things that you like.

These are only a small part of the advantages that passive income can give us. I would also like to note that, unlike wages, the passive flow does not have a “ceiling” of profitability. How much money you will receive depends only on you.

Passive income without investment...

Many people want to create passive income and at the same time often enter queries such as “passive income without investment” in the search. Of course, everyone wants to relax in the Maldives, drive a cool car and not lift a finger. Wake up! That doesn't happen...

Creating a passive income is a very difficult and long-term business that requires a burning desire, willpower, motivation and, of course, real action from any person. Passive income arises from the creation or purchase of assets that generate cash flow.

Sometimes, as passive income without investments, you can count such sources of income as affiliate programs, creating your own information product or website. Yes, income from such assets can be passive, but first you still need to invest.

Passive income is just a consequence of your investment in some asset. So without what kind of investments you will not be able to secure a cash flow?

Passive income without investing in your education is impossible!

In general, passive income is the result of long investments not only in assets, but also in yourself, in your education. As Robert Kiyosaki says, you need to increase your financial IQ, otherwise you will remain in the cash flow quadrant, where everyone works for a salary. Start reading books and read Rich Dad Poor Dad first. Again, do not limit yourself to the financial sector. Develop spherically, i.e. work on every area of ​​your life. Finance without health will not come to you either.

So sign up for a gym or a martial arts course, buy a bike, or start swimming. Also develop in the field of communication with people. The more you communicate, the more you will have friends who will help you. If you do not develop as a person, then you will not see a money pipeline, as in the parable of Pablo and Bruno. Money comes only to strong and educated individuals.

Passive income without investing your own time is impossible!

Time is one of the main resources in life that we manage. Some people use their time productively, some don't. Any source of passive income requires an investment of personal time. To begin with, you must figure out how a source is created, how much money it can bring per month, what are the risks that you will lose it. All this takes time.

Then comes the process of actually creating or acquiring. And this is also the time. For example, it will take you less time to receive passive income from pamm investments than to create your own website and sell ads from it. Passive income is not created in seconds, this process can take weeks, months and even years.

Passive income without investing money is impossible!

In most cases, it takes money to create an asset. In some cases, this is a big investment, for example, if you want real estate income and buy an apartment to rent out. And some can be done with a small cash investment. For example, to create a website, you need to buy a domain and hosting. This is about 600 rubles. Not so much, right?! Again, you can say that I will take other people's money. Ok, if you can, then why not, but then you will need to invest other resources: time, knowledge and skills, ideas.

Therefore, let's still be honest with ourselves and not say that there is passive income without investments. It's just that the very word passivity is misunderstood by everyone. This is the other side of activity. They must be in balance. That's how much you were active and how many sources of income you created, so much you can be passive in the future ...

So think about what investments you can make today to get financial freedom tomorrow. And I can give very good advice. If you want yourself a decent cash flow in less time and with less investment, then this can only be done with the help of passive income on the Internet.

7 simple rules leading to passive income

Rule 1

Pay a tenth of all income to yourself personally. You need to do this regularly and first of all ... you love yourself;) (in this regard, you need to be a little selfish). Of course, a little willpower and self-discipline is required to comply with this rule, but these are the main qualities necessary to achieve financial goals. Many people think like this: “Money is already not enough in everyday life ... how else to save something?”. Believe me, a tenth will not solve your problems globally...

Rule 2

Control your expenses. It is difficult to "catch" the balance between the necessary expenses, emotions and whims, but nothing is impossible;) There is an old saying "There is never a lot of money", but this happens only when we do not "turn on" our brain. Everything in this world is relative...someone doesn't have enough money for bread, and someone doesn't have enough money for a private jet. It is necessary to make a rule for yourself FOR EVERY RUBLE SPENDED - RECEIVE THE TRUE VALUE. Clearly plan your expenses and do not touch the NZ (the tenth of the deferred part)))). Try to make it your good habit.

Rule 3

Make NZ "work". Of course, the money that you put aside warms the soul, but there is no sense in them if they just lie “under the mattress”. And here our task is to invest our funds correctly, thereby creating a small in the beginning, and in the future a solid inflow of funds into our pocket.

Rule 4

Protect your capital from losses and unjustified risks. "Smart" investing is based on the security of the underlying capital. No need to rush into the pool with your head and chase for quick enrichment. Before investing any part of your hard-earned money, you need to study the money-back guarantees.

Rule 5

Home Sweet Home. Profitable to invest in real estate. Everyone should have their own housing, because this is not only a confident rear for the family, but also, in a certain scenario, a “reserve” of funds that can always be sent “to work” and inflation will not devour them.

Rule 6

Create income for the future. It is very important to foresee the needs of a respectable age and create (albeit not a large) financial reserve for yourself and your family at a time when age becomes an obstacle to study and work.

Rule 7

Constantly develop. The more we know and are able, the more we can earn. The world does not stand still, and a person who keeps up with the times, develops intellectually, improves himself, deserves a greater reward.

And so, I hope that these not at all complicated rules will help you acquire good habits, change your worldview, thoughts about money and income in general. After all, our life depends on our thoughts. Use these 7 rules wisely and you will end financial hardship forever and even get rich over time ;)

Sources of passive income

Bank deposit

Everyone knows about bank deposits. You open a deposit and receive annual interest from this. If we suppose to deposit 1,000,000 rubles at 10% per annum, then in a year your asset will increase by 100,000 rubles and amount to 1,100,000.

Pros: no knowledge is needed and practically does not require your activity (only at first choose a deposit with a certain percentage).

Minuses: low income compared to inflation (mostly less than 10%).

Securities

This is an investment in the shares of various companies in the stock markets. In another way, this is called investment in Mutual Investment Funds (UIFs)

Pros: accessibility (everyone can do it, because one share is not so expensive), higher profitability (10-30%).

Minuses: it is necessary to choose a long-term investment strategy, i.e. additional knowledge in the field of economics is required.

Real estate

Real estate is one of the most stable types of passive income. People who have a second apartment or some kind of commercial property can easily rent it out.

Pros: stability and a transparent income scheme, income depends on your knowledge and actions in this area.

Minuses: you need real estate (real estate prices are high, it is problematic to purchase the first property).

Find out how much you can earn with passive income not real estate.

Business

Here you can talk about a business as a passive source of income, if you once create it, and then transfer it to other people for management, i.e. delegate. Thus, the business brings money without your participation.

There are two types of business: online and offline. In the first case, it can be a beauty salon, and in the second, your author's blog. Depending on what you choose, there will be different pros and cons. By the way, passive income on the site is a very good source that can be created in the shortest possible time.

Pros: in both cases, high profitability is possible (there is no “ceiling”), online business requires less time and investment.

Minuses: offline business has high risks, it needs a lot of investments at the initial stage, in both cases, great knowledge in the required area is required (you must have the skills of an entrepreneur, a leader, and a manager

If you have created some kind of service or invention, then you can receive royalties from their sale.

Pros: stability and transparent income scheme

Minuses: need to figure something out first.)

Nothing is more demoralizing than a modest but steady income.

Edmund Wilson

Creating a good source of passive income that will not disappear at any moment and will give you freedom is a very interesting, but at the same time, time-consuming process. But he's worth it.

How to create a passive income of 30,000 rubles?

In order to create a passive income of 30,000 rubles and get financial protection, you need to create 3 different sources with a yield of 10,000 rubles. This will be passive income from the site, business and real estate. It is in this order that I recommend creating sources of passive income, i.e. from less expensive to more expensive.

Passive income from the site

Making money on websites has 2 very good advantages that you need to take into account if you are just starting to create passive income from scratch.

Minimum investment

You will only need to create a website and promote it in search engines so that there is a lot of traffic. At first, you only need to buy hosting and a domain. This is approximately 1000 rubles. You can learn how to promote a site and monetize it yourself.

No need to quit your job

You can create a website, promote and monetize it in your free time. Those. you do not need to quit your main job, where you have a stable income. That's when passive income equals the level of your salary, you can throw your "damn" job.

It must be understood that the site will not immediately bring money. With good work, in six months, thanks to the site, you can reach passive income on the Internet at the level of 10 thousand rubles a month.

Examples of passive income from websites

In order to make it more clear how much you can earn, let's consider with you examples of passive income from various sites.

http://spargalkaege.ru/ - a site for preparing for the exam. Traffic 5 000 people per month. Income - 10,000 rubles. Earnings come from sales

http://stroiki-master.ru/ - site about construction. Traffic 300 people per month. Income - 4000 rubles. Income from Yandex.Direct contextual advertising and sales of links in Sape.

url is hidden - a game-themed portal. Traffic 3000. Income - $ 5,000. The main source of income is Google Adsense advertising.

Passive income from real estate

Advantages of real estate as a source of passive income

A large number of people invest their money in such sources of passive income as securities, precious metals or make investments in businesses, and some even manage to participate in all sorts of dubious financial pyramids. But you should know that the risks of such an investment cannot be compared with the reliability of real estate, which can bring its owner a good monthly passive income from rent.

Disadvantages of real estate as a source of passive income

Of course, it must be acknowledged that real estate income does have its drawbacks.

Expensive. Like any type of passive income generated offline, real estate is an expensive investment. You need to have at least a million rubles to start getting a decent cash flow. Another thing is if you already have a second apartment or house, or maybe an office in the city center or a warehouse.

Low yield. Income from real estate can average from 5-10% per annum. For example, the same passive income as a percentage can be obtained from Pamm investments in a month!

As an option to diversify your investment portfolio, real estate should still be considered as a source of passive income.

An example of passive income in real estate

Let's try to calculate how much money you need to invest in real estate so that it brings passive income equal to a monthly salary in a million-plus city. For example, I will take the city of Voronezh, where I live. A one-room apartment in Voronezh costs about 1,600,000 rubles. If you rent out such an apartment, then passive income minus rent will be 10,000 rubles.

Constantly and most importantly guaranteed, getting a certain income every month is the dream of any investor. Money works without your participation and any effort and brings even more money. How to achieve this? Answer - you need to know where to invest money. Of course, the amount of profit will directly depend on the amount of invested funds. And let's say, for novice investors, the profit received from their investments will be relatively small. But you need to start somewhere. After all, the very fact of generating very attractive. In order for income to grow, you need 2 things: periodically invest additional money and constant. In law - over time, even the most modest capital can turn into a rather impressive amount, the profit from which will give you a significant financial flow in the form of a monthly income from the placed funds.

Where can you invest money to get a constant monthly income?

We buy with different coupon dates. It is on these dates that you will accrue profit. You can build a portfolio of bonds in such a way that monthly profits will be credited to your account. Usually the duration of the coupon is 91 or 182 days. Every 3 months or half a year, the profit from the purchased bond will go to your account.

Advantages. Higher yield. Clearly predicted and fixed income. High (you can instantly sell bonds without losing accrued profits).

Flaws. Probability of bankruptcy of the issuer that issued the bonds. For blue chips, this probability is small. For OFZ (federal loan bonds) and municipal bonds, it is practically zero. Usually (although very rarely) the so-called third-tier companies (junk bonds) go bankrupt. Avoid buying them and you'll be fine.

4. Dividend shares . Buy, which consistently pay dividends. And not just dividends, but. On average, in the Russian market, this amount is 3-6% of the value of shares. There are companies (but there are few of them) whose dividends are slightly higher and amount to 8-10%. Judging by the latest payments, these are Surgutneftegaz, MTS and M-video.

Of course, the profitability is still small, but if you consider that you are buying a piece of a working (and successful) business, then with the further development of the company, the profit will also grow.

For example. The price of shares in the stock market is very volatile. They can "walk" within 20-30% during the year, both up and down. At the beginning of the year, the shares of SurgutNeftegazP cost almost 50 rubles apiece, then the price fell almost 2 times within six months, to 28 rubles. Considering that the yield on average is 10% per share (at a price of 45 rubles) or 4.5 rubles, buying at the “day” at 28 you would secure a future yield of 17% per annum. And if the company's profit continues to grow, then the annual yield will easily exceed 20%.

Advantages. Having bought a "piece of business" in the form of dividend shares, you will be entitled to count on a share of the company's profits. You can find, thereby obtaining even more annual profitability. With the development of the company, profits will increase, which means that dividends will also grow.

Flaws. Uneven distribution of dividends. The lion's share of payments occurs in the second quarter. Some companies pay dividends twice a year. High volatility in the stock market. Purchased shares can significantly fall in price. But if you are aiming (several years), then it will give you the opportunity to purchase additional shares at bargain prices.

Finally

It is possible (and even necessary) to receive passive income every month. There is nothing complicated about this. The listed methods are available to everyone. And don't forget. Divide your funds into several parts, and use them to make a profit in each way. So, of course, the overall profit will decrease, but you will greatly reduce the risks when investing.

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 so: 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 be no 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, more precisely, 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 residents of 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 sooner or later you want to put into practice your own ideas.
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 completely 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 not the cheapest. Why is it for him? The fact is that a person does not know how (and does not want) to restore wardrobe items at all - 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 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 on education.

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 strategic profit 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. Attachments. 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 already rented out 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 (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 detailing 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 not only have 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. Service. 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 appropriate 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.

Number 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 apply 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 fairly popular portfolio 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 in the amount 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).
• negotiate 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!