How to earn regular income. How to create passive income from scratch? Proven Ways to Find Financial Independence

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. Create passive income not quite a difficult thing, 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 every day this moment 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 each time to set aside some part of your main income. Money. There is some Golden Rule which 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 the purchase of an apartment for rent. 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 wage. 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 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 already 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, creating various sources 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, don't limit yourself to financial sphere. 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 a lot 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 from it annual interest. 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 stocks. 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: you need to choose a strategy long term investment, 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 commercial real estate you 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 it is necessary 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 oh, to have 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 passive income sources such as securities, precious metals or make investments in business, and some even manage to participate in all sorts of dubious financial pyramids. But you should know that the risks of such investments 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 is still worth considering 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. One-room apartment in Voronezh it costs about 1,600,000 rubles. If you rent out such an apartment, then passive income minus rent will be 10,000 rubles.

This article has collected 12 of the best ideas for creating passive income from scratch on the Internet. It offers proven and working ways to earn money. Answers to popular questions about passive income are given. And also a lot of useful videos from experts.

Many people dream of doing nothing, traveling, enjoying life and still making money. Unfortunately, in real world it doesn't happen. To earn money, you have to work.

But there is one activity that does not require constant work. You need to invest effort, time and money only at the beginning. And then you just need to monitor and maintain an established system. We are talking about passive income on the Internet.

What is passive income: a brief analysis of the concept

Passive income is an activity that does not require a person to work daily. That is, you don’t have to go to a hated job and carry out boring orders from your superiors there.

Creating a passive income, a person first either invests his time and energy, or hires those who will do it for him. As soon as the system is adjusted, less actions and investments are required.

12 ways to passively earn money online

1. Passive income from a website or blog

The list is headed by the most popular lately method of passive income on the Internet. Its essence is as follows:

1. A person creates a website and chooses a suitable topic. For example, you can choose what you are good at: computer repair and maintenance, mobile phones or auto, construction, business, fishing or another familiar topic.
2. After the development of design, site pages and its settings, the resource is filled with articles. You can write them yourself or hire a copywriter for this task.
3. After a couple of dozen articles, visitors begin to come to the site and read the published materials.
4. Upon reaching a certain traffic indicator, the site is added to the Yandex, Google advertising networks, and from that moment passive income begins.
5. The site owner receives money for the fact that users go through the ad units to the advertised resources and services.

Also in this form of earnings, you can consider banner advertising or the sale of links.

How much should you invest to get started?

Financial investments can be minimal - payment for hosting and domain name. But this is provided that a person understands how sites are developed. If there is no knowledge in this area, then you will need to invest an average of 10,000 rubles. for the services of a web developer.

Likewise with articles. If the owner of the resource can write articles himself, then he will only invest his time. If not, then you will need to regularly pay a copywriter from 3,000 rubles. in Week.

You may have to spend money on an SEO optimizer who will select a list of suitable topics based on search engine data and advise on search engine promotion of the site. Here you will need from 5000 rubles.

To save money, you can familiarize yourself with web programming and SEO. There is a lot of free information on these topics on the Internet.

How much can you earn?

Everything will depend on the activity of the site development. Regular and daily publication of materials will allow you to earn from $500 to more than $1000 per month. With rare publications, for example, 1-2 times a week, you can receive $100.

But you need to understand that earnings depend on the chosen topic. It is better to create a site on topics such as auto, computers, construction and repair, business, finance and health.

2. Investment in a website or blog

This income is similar to the first option. The only difference here is that the site does not need to be created and promoted from scratch. It is enough to buy a ready-made resource that is already making a profit.

The price of the site can be different - from a couple of thousand to several million rubles. It all depends on the age of the resource, its attendance and the profit it brings.

By purchasing several sites at once, you can reach a monthly passive income of more than $5,000.

3. Earnings on a group or community VKontakte

Earnings on a VKontakte group or community consists in placing paid advertising posts.

Attachments are not needed to create a group, since VKontakte allows you to do this for free. You will have to spend money only on attracting participants. To do this, you can use targeted advertising, promotional posts and paid posts in other groups.

The disadvantage of such earnings is that you have to publish interesting posts every day. Therefore, either you will need to spend personal time, or money for a specialist who will do everything himself. Community administrator services cost from 3000 rubles. per month.

4. Earning on your own YouTube channel

YouTube is a well-known and popular video hosting service that allows you to earn money on your channels.

Earnings consist in the fact that you need to shoot a video, preferably high-quality, and publish it on your channel. When at least a thousandth audience is recruited and the video has several hundred views, the YouTube channel can be monetized in the following ways:

• Google contextual advertising - an ad block that pops up at the bottom of the video on a topic of interest to the user.
• Direct advertising in video - placement at the beginning of the video of advertising information for a product or service of another person or company. In this case, the advertiser pays for advertising the price set by the owner of the video.
• Affiliate links - they are placed in the description of the video in order to attract, for example, referrals to a project. For each attracted person or purchase, the owner of the channel receives a percentage and thus passively earns doing what he loves - shooting videos.
• Someone else's video - the owner of the channel does not post their own videos, but others'. After their promotion begins to earn in any suitable way. A simple example is collections of jokes or accidents.

It is difficult to give a specific amount of earnings. It can only be noted that there are people who earn $ 1,000,000 a year on YouTube.

5. Selling training courses

If a person has experience in some area, then he can create a training course and start selling it online and offline. But at the initial stage, you need to invest a lot of effort, spend time and test the created product.

Online training courses have been in steady demand for the last 15 years. But in order for people to start buying them, you need to create a personal brand and establish yourself in a niche as an expert you can trust. Therefore, the creation of a name, the course itself can take from six months to more than a year.

Earnings will depend on promotion channels, quality of education, price and much more. There are trainers who earn $100-$500 per month, and there are those who consistently receive their $1000.

6. Infobusiness: webinars, online trainings, workshops

This earnings is suitable for experts in a specific niche.

If a person is well versed in marketing, then he can train marketers and businessmen. Knows family psychology, then you can help families get out of crisis situations and build relationships.

Webinars do not have to be live streamed. They can be recorded and offered to people recording. The same goes for online training.

The only thing that will have to devote time to is workshops, since at such an event you must be present in person and control the work of the participants. And be sure to update the programs of webinars and trainings.

7. Selling an educational e-book

This way of earning is similar and can even complement the previous one.

The bottom line is that you need to write the most useful e-book, and then receive income from its sales. However, here you will have to spend a lot of time writing a book, testing it for free among friends or colleagues, and only then releasing it to the masses.

It will take time to invest not only in writing the book, but also in promoting it, as well as creating the name of the author and positioning him as an expert in a particular niche.

8. Sale of this book

People are still buying real paper books even though they cost more than e-books. As numerous studies show, it is easier to read from paper than from a PC monitor or smartphone.

To start earning in this way, it is enough to write a useful and interesting book, find a publisher, publish your work and receive your percentage of sales.

In this case, the book does not have to be educational. You can write a novel, detective story, comedy, or any other genre. But for all this desire will not be enough - you need talent and a lot of free time.

You also need to be prepared for failures of publishers - a normal practice in the work of modern authors.

9. Selling photos in a photo bank and photo stocks

This passive income is suitable for photography lovers. Here you need to take high-quality photos and put them up for sale on special sites.

Earnings from such activities are small, but according to at least a person can combine it with another job and at the same time earn money on what he really likes.

10. Earnings on affiliate (referral) programs or affiliate marketing

This income is based on receiving a percentage of sales.

For example, there is one that sells computer equipment. A person receives a referral link and makes advertising with it on his website, forums, social networks. People follow the link, buy the product, and the person receives their percentage for this, set by the owner of the online store.

Here you do not need to have any specific knowledge. It is enough to distribute your referral link through all possible channels. The better the channels, the more transitions, purchases, user actions and profit from such earnings.

But still, it is worth noting that you should not count on high incomes here and it is better to combine this type of income with other activities from this list.

11. Selling Paid PC Software or Smartphone Applications

Such earnings are suitable only for people who understand programming.

The bottom line is to develop a useful program or application, which can then be sold to the desired target audience.

For example, you can come up with software to automate some processes of online stores. Or an application to simplify some actions of smartphone users. That is, here you need to carefully consider what software will be in demand.

You can sell programs both immediately and by monthly or annual subscriptions. It is also appropriate to make several prices depending on the incoming options. For example, the starter version might sell for $5, the pro version for $10, and the premium version for $30.

12. Earnings on the distribution of information

This implies the creation of a paid online service for sending letters. These services are actively used by entrepreneurs who, through letters, share useful information about their products, goods, services, announce promotions, discounts and various events.

You will also need to spend on advertising and promotion of the service. With proper marketing, all investments will return within 6 months or 1 year, after which passive income will go, since you don’t have to do anything else, except to monitor the correct operation of the service and answer user questions.

Earnings on such a service can be more than $ 1,000. But subject to a large number of users and a competent marketing strategy.

Answers to popular questions about passive income on the Internet

What is the difference between passive income and active income?

Most of the people are active. They go to work, carry out instructions from their superiors, receive a fixed salary and do not have the opportunity to increase their income.

Passive income is about investing time, effort or money into the future. That is, a person creates something that will bring money automatically. You don't have to work here every day. With such earnings, income is not fixed. However, the risks here are high: if a person in an official job receives a stable salary, then with passive earnings on the Internet there is always a risk of a decrease in the level of income due to a number of external factors.

Is it possible to create passive income if there is no money?

Yes, the Internet allows you to create passive income without starting capital. However, the lack of costs is initially covered by a large investment of time and effort. Knowledge in the chosen niche is also required.

How to accept payment on the Internet?

Earned money can be received on electronic wallets. The most popular are: Webmoney, Yandex.Money and Qiwi. Some services provide for direct withdrawal of money to a bank card.

How to withdraw money from electronic wallets?

All modern electronic wallets allow you to withdraw money directly to a card or bank account. To do this, it is enough to identify your data - send an application and a copy of your passport. But for this procedure you need to reach the age of majority.

Are passive incomes taxed and require sole proprietorship registration?

Any income of citizens in without fail are taxed. For non-payment or deliberate concealment of income, you can receive a large fine or imprisonment. In order to protect against problems with tax service it's better to register as individual entrepreneur and pay taxes on simplified system taxation.

Hello dear readers! With you again and today we will analyze the main topic for everyone who has firmly decided to break out of the trap financial dependence from the employer and finally start creating your own small factory for the production of money. So, the topic of this article is passive income. By the way, if you are still puzzling over how to get an active income for a start, then I recommend reading the article:.
You've probably heard this Rothschild quote:

Who owns the information, owns the world!

With regard to our topic, it can be paraphrased:

Whoever owns the information on how to make passive income owns the money!

And here is a somewhat paradoxical situation. There is more than enough information about this on the net, but what quality is it?
I was surprised to find out for myself that the simplest passive income without investments is social benefits and, in particular, a pension. Imagine, we are puzzled here with you how to create a source of constant profit, but it turns out that everything is so easy - just getting old is enough! But this is not the only misconception that can form in the head of an unprepared reader.

Therefore, in my material, I will not only list the most common ways to generate income, but also give real numbers and facts about whether it is possible to earn money on them and how much. Along the way, you will have to expose a couple of myths about the most popular methods: you will find out why bank deposits and real estate not only do not earn, but also lose money. Surprised? Further it will be more interesting.

So, let's move on to the practical part of our opus. The first, most popular and simple passive income is opening a bank deposit.
There are more than 650 credit institutions operating in Russia, and almost all of them attract deposits from the population. In general, the range of deposits they have is approximately the same. You can open deposits in rubles, euros, dollars, pounds sterling, less often in Swiss francs and even yuan. There are deposits with the possibility of replenishment and with a monthly transfer of interest to a separate current account. That is, in principle, you can put money in the bank and live on interest, although I do not advise you to do this and I will explain why further.
The average rates of large banks are 7-8% per annum. Players with a lower rank have a slightly higher profitability - 9-10%. But the real rate always depends on the size of the deposit and the term. That is, the larger the amount and longer term, the higher the rate.
Profitability, frankly speaking, is modest. At least in my opinion. I think so: why give money to the bank at 8% per year, if you can learn how to work with binary options and reach a yield of 80-100% per month. In general terms, I described this way of earning in the article:. Here is an example of a successful transaction:

Benefits of a bank deposit!

Even a child can receive such passive income in Russia. Of course, a child will not be able to open a deposit personally, but the procedure itself is extremely simple and does not require any special knowledge, therefore deposits are suitable for everyone. This explains their popularity among the general population.
Nothing to do. You just come to the bank once, conclude an agreement, give the money to the cashier, and after a couple of years you take it back along with interest.
Reliability. Firstly, your passive income is guaranteed, and you will receive a strictly defined profit specified in the contract. Secondly, it is believed that it is almost impossible to lose money on a deposit, that is, the risks are very low. This is both true and somewhat misleading. Next, I will explain what problems the saver may face in the coming years.

How much can you earn?

The answer is not at all. Surprised? Yes, almost all the materials that analyze examples of passive income tell you how easy it is to receive an income of 100,000 rubles a year through bank deposits with 1,000,000 rubles. But this is a superficial view of the situation.
To understand why the deposit is not able to bring significant income, you need to understand a few terms:
Money. It is a measure of the value of goods and a means of payment.
The purchasing power of money is the amount of goods and services that you can purchase with a given amount of money.
Inflation. This term refers to the general increase in the prices of goods and services.
Devaluation. This is the name of the depreciation of the currency, in our case, the ruble.
By themselves, money, that is, banknotes, is of no value to you and me. They matter only insofar as we can buy something with them. Correctly?
Now look. In 2015, according to Rosstat, the official inflation rate was 12.9%. Since those other storytellers work in Rosstat, we make an adjustment for reality and get the actual grassroots inflation at a minimum of 20-25%. Decreasing at this rate purchasing power your money. That is, a year ago you could buy 100% of some goods and services for the amount you have, and today you can buy 20% less.

Mindfulness test: what average rate by deposits? By the way, I mentioned it above. AT largest banks country, it is only 7-8% per annum. So, if you opened a deposit at the beginning of 2015 in the amount of 1,000,000 rubles, by the end of the year you would have been paid 1,080,000 rubles. And the purchasing power of money over the same period decreased only according to official data by 12.9%. Thus, the purchasing power of your million fell by 129,000 rubles, and the bank's interest amounted to only 80,000 rubles. Net loss - 49,000 rubles.
Yes, nominally the amount has increased by 80,000 rubles, but at the end of 2015 you can buy as many goods and services with this money as you would have bought at the beginning of the same year for 951,000 rubles. So what's the use of the fact that there are more banknotes (cut paper with watermarks) if you can buy less on them?
Of course, such calculations are somewhat arbitrary, but I do not strive for mathematical and economic accuracy. I just want to show you what if annual rate on the deposit does not cover inflation, such a deposit does not bring real income at all. Moreover, you actually lose money. Plus, if you open a deposit immediately for five years and withdraw interest every month, the purchasing power of the initial amount will be significantly reduced, and the monthly passive income will turn from modest to miserable relative to real prices for goods.
Another problem is devaluation. Depreciation in our case of the ruble against the dual-currency basket, that is, against the US dollar and the euro. For the period 2014 - early 2015. The ruble depreciated against the dollar by about half. This means that if before with your million you could buy 100% imported goods, now their number has decreased by about 50% in just two years. And the deposit rate is still 8% per annum.
If the figures given by me seem implausible to someone, look at the dynamics of prices for imported electronics. For more than two years since 2014, everything has risen in price just about twice, and in some places even more.

Why and how to open deposits so as not to lose money?

Despite all of the above, deposits can still be used. Firstly, this instrument is suitable for temporary placement of free money. For example, you are saving money to start a business. If you save money under the pillow, they will depreciate faster than on a deposit, since the deposit rate at least partially compensates for inflation. Secondly, you need to have some money on hand in case of unexpected expenses. For example, they will offer you to buy a small stake in a new promising company, and all your money has already been invested in other assets. What to do? This is where your deposit comes in handy. Besides, currency deposits, unlike ruble ones, are still able to bring passive income.
And now practical advice on choosing the conditions for placing funds in a bank.

Tip number 1. Only systemically important banks. These are the largest credit institutions in the country. Their deposit rates are lower than those of small banks, but the Central Bank will definitely not take away their license. In addition, if such an institution begins to “fall”, it will certainly be supported at the expense of some Fund. national welfare or other state moneybox. I will not disclose the specific names of banks - I am not engaged in advertising. But you yourself can see the ratings of credit organizations.

Tip number 2. Choice of deposit currency. The ruble is extremely unstable and will steadily roll down in the coming years. Like it or not, this is a fact. What is the conclusion? It is necessary to open a deposit in dollars or euros. Indeed, this sharply increases the profitability of the deposit in ruble terms, allows you to completely cover inflation and even get a small profit at the level of about 3-3.5% per annum.
But this is not ideal either. Why? There is a risk that the authorities will decide to forcibly convert all foreign currency deposits into ruble deposits at a fixed rate. You understand that this course will not be in your favor. There is only one way out - a multi-currency deposit. According to the terms of opening such a deposit, if you smell fried, you can convert the currency in one click directly in the Internet bank. Pay attention to the size of the conversion fee.

Tip number 3. Option of early closing of the deposit. All deposits are term deposits. The longer the term, the higher the yield. Therefore, it is much more profitable to open a deposit for 5 years than for 6 months. But there is also a downside here. If you urgently need money, if you withdraw early, all accrued interest will burn out. Therefore, you need to choose a deposit with preferential early closure. Some deposits provide for income fixation after certain period. For example, once a year, the accumulated interest is fixed and if the deposit is closed ahead of schedule, they will not burn out.
Another reason why it is better to choose deposits with this option is the possibility of privatizing part of the funds. Something similar happened in 2013 in Cyprus. There, depositors were forcibly made shareholders of banks and seized from them 6.75% - 9.9% of the amount of deposits. So the Russian depositors of Laiki Bank lost about $10 billion. The possibility of applying such measures is already being discussed in Russia. So, if there is a risk of the fall of the Russian banking system, you need to urgently withdraw money before you compulsory shareholder bankrupt bank. This is where the option of preferential early closing of the deposit comes in handy.

Tip #4 Proof of source of income. In connection with the intensified fight against money laundering, banks will have the opportunity not to give depositors their money if they cannot explain the origin of the funds and prove documented that they have paid all due taxes on this amount. So, prepare documents in advance.

Method number 2. Apartments. Gold. Diamonds. How to create passive income on valuable property?

The next most popular passive income with investments after a bank deposit is real estate. But in fact, any property that tends to rise in price over time can act as an asset. This may include:
Antiques.
Art objects.
Precious metals and stones.
Collectibles from coins and stamps to vinyl records and comics.
Of course, in order to create a portfolio of antiques or paintings, you need to deeply understand this. Personally, I can not boast of such knowledge. But if there are connoisseurs or at least amateurs among my readers, then you can try. Main principle simple: invest in something that you think will rise in price in a few years. Moreover, the profitability can be simply fantastic. So, in 2014, a certain Darren Adams sold the first issue of Action Comics on eBay for $3.2 million. And, by the way, it originally cost 99 cents, however, it was already in 1938.
I will not stir up topics unfamiliar to me, so as not to mislead you, and I will tell you about those types of property suitable for building passive income, which I know firsthand.

How much can you earn in real estate?

If speak about Russian real estate, then the answer is the same as with bank deposits - not at all. Extracting passive income in Russia from Moscow and St. Petersburg real estate made sense a few years ago. But now the situation is fundamentally different. In order not to be unfounded, I will explain in detail what real estate buyers and landlords usually earn on.

On housing transactions, you can receive residual income three times:
At the construction stage, an apartment costs 15-30% cheaper than by the time the house was put into operation. That is, for 1-2 years, while the construction is going on, you can increase your investments by a third without doing anything. The only catch is long-term construction. Therefore, you need to choose only objects of large developers and developers who have access to borrowed capital.
rental income. Actually, this is the rental of housing. Excluding expenses, the average annual return is approximately 4-6%. Note that this is even less than the interest rates on deposits.
Object appreciation. If in the case of deposits, inflation "ate" our money, then here it plays into our hands - real estate becomes more expensive along with all other goods by about 10-12% per year. But even in this case, not everything is so simple, as I will discuss later.

So how much can you earn? If you successfully buy an apartment in a house under construction at the stage of excavation, in 1.5-2 years you will receive an increase of 7-15% per annum. A little, but not bad. Further, every year the object, subject to the growth of the real estate market as a whole, will increase in value up to 12% per year. Passive income from renting out an apartment is about 5% per year. Thus, in 5 years, ideally, you can recapture an average of 70% of the money invested. That is, the total yield is obtained at the level of about 14% per annum.
This is barely enough to cover inflation. But in fact, you will not receive such income. Why?

There are several reasons:
New buildings no longer bring such high profitability for the period of building a house, and the risks of running into a long-term construction are constantly growing.
When renting out a home, there are a lot of side costs, including the costs of finding tenants, buying and periodically updating furniture, major and cosmetic repairs, taxes, and finally. In addition, do not forget to take into account periods of downtime when the tenant is not yet, and the fee for utilities keeps dripping. As a result, the real rental yield barely reaches 3% per year.
Real estate markets around the world tend to so-called bubbles. While these same bubbles were forming, Moscow new buildings were steadily adding in price by 10-12% per year. But in 2015, the holiday ended - the balloon began to deflate, and at a rate of 14.5% per year in rubles and as much as 33.6% in dollars.

Thus, in 2015, the owners of Russian real estate received a negative return. Rental income is penny, and the assets themselves have fallen in price by a third in dollar terms. As you can see, real estate is even less profitable than opening a bank deposit.
Does all this mean that you can’t make money on real estate at all? Not really. You can create a good passive income business for housing in the EU, USA, Canada, as well as in popular resort regions.
In Europe, the average profit of a rentier is 3-5% per year from one object. The figures seem to be the same as in the case of Russian apartments, but in euros. This means that the profitability of European real estate will completely cover not only the official, but also the real ruble inflation and even bring quite a tangible income. In addition, investing in housing allows you to protect your investments from the consequences of the devaluation of the ruble.

How to make passive income in real estate correctly?

If you do decide to invest in a home someday, here are a few tips:
in the coming years, buy housing only abroad;

Why do I advise using gold as a source of passive income?

Gold does not have a fixed price or any fixed rate of return. Therefore, in some periods, one can observe a decline in prices for the yellow metal. However, if we take the long-term dynamics, then gold has been steadily growing in price since 1938, when its rate was sent to free float.
Now about the size of the yield. In the period from 04/01/2015 to 04/01/2016, that is, exactly in a year, gold at the rate of the Central Bank of the Russian Federation increased from 2,185 rubles to 2,691 rubles per 1 gram. The annual yield was 23%. As you can see, this figure completely covers the official inflation and gives a good profit. Of course, in dollars or euros, the numbers are not so impressive, but you can also get a decent passive income there.


If we consider the long-term perspective, then for 7 years from 04/01/2009 to 04/01/2016 a gram of gold at the rate of the same Central Bank of the Russian Federation has risen in price from 1,001 rubles to 2,691 rubles. The cumulative price increase for the entire period is 169%! Thus, the average annual passive income is 24%. And note that this is taking into account local declines in the gold rate.
In my opinion, this is one of best tools for conservative investments. Buying gold, as well as opening a bank deposit, does not require special knowledge, moreover, these instruments are incomparable in terms of profitability, and the risks of investing in precious metal, it seems to me, are much lower than those of Russian bank deposits.
The only problem with gold is that it is desirable to invest in it for a long time. That is, they bought an ingot or coins and forgot them in a safe or a bank cell for 5-10 years. In fact, it is a strategic investment. If you want to establish passive income right now and monthly, then precious metals are not suitable for this. Then it's better to try binary options: . Moreover, this tool allows you to earn on gold, including only through short-term speculative transactions.
Either way, gold is definitely worth using to diversify your asset portfolio. This will significantly reduce the risks for assets with higher returns, but, accordingly, with increased risks.
Let's move on to the practical side of the question: how to get passive income with investments in gold? There are two options: buy coins or bars or open an unallocated metal account.
In the first case, directly upon the purchase of coins or ingots, the price will include VAT at a rate of 18%. That is, at first it can be considered a net loss. However, as I noted above, gold is suitable mainly for long-term investments. So, if we distribute these 18% over 10 years, we get 1.8% per year. With an average yield of 24% per annum, these are quite acceptable losses. Plus, when selling, if you follow all the rules, you will have to pay personal income tax - 13%. This is another 1.3% per year. Total total passive income after taxes when investing in gold for 10 years will be 209%. I think it's not bad even with an annual inflation of 13%, you end up with a 79% gain.
Now let's say a word about an impersonal metal account. You can open it in most banks. The account will take into account your gold in grams. In theory, you can pick it up in kind at any time or sell it to a bank and immediately get cash. True, in reality, banks are not very willing to issue gold to the client and often delay the execution of this legal requirement of the account holder. Again, there is the issue of trust. banking system in general and specific credit institution in particular. By the way, the deposit insurance program does not cover CHI.
And one could say that buying gold in kind is definitely better. Agree, it's nice to hold your own gold bar in your hands. However, there are three "buts" at once. Firstly, when opening a CHI, you do not have to pay VAT. Secondly, you can open a fixed-term account, which involves the accrual of interest. That is, passive income will turn out to be a little more, although the interest rates on CHI are more than modest - an average of 1% per year. A trifle, but still nice. Thirdly, there is the issue of security. Bars or coins must be stored somewhere. Can be rented safe deposit box, but these are additional costs and again a meeting with the bank. So it remains to bury your treasure on some island.
By the way, strategic investments in gold also have an alternative - speculation on fluctuations in the precious metal's rates. This opportunity is provided Forex brokers, but there is one catch: to trade gold, you need a fairly large capital, and errors in predicting changes in quotes can lead to a drain on the deposit in a matter of minutes. Therefore, I would advise you to choose binary options. They also allow you to work with gold, but the size of the entry ticket and the risks are much lower there, although the potential passive income remains at the same level. You can find out what binary options are from this article:.

Method number 3. Creating an intellectual product!

Alas, it is almost impossible to create a residual income without at least a minimum investment. Actually, there is only one way: to create something of value. The choice seems to be limited, but in fact it is extremely wide. You can make money from writing, inventions, photography, blogging. Especially successful developers of mobile applications earn good money these days.
Of course, there is no single recipe for monetization for all of these undertakings, but in many cases you can find at least an approximate strategy for creating and promoting a product in demand. The web is literally teeming with advice on how to earn passive income online by blogging or building a data site, or how to make a fortune as an iOS app developer. I confess that I am far from a specialist in these matters, and the format of the material does not allow us to consider in detail all the many quite sensible recommendations for creative people who want to create a source of passive income.
Here I will give a few examples of how real people, like you and me, create billions of dollars of capital from scratch and how much they manage to earn:
YouTube blog author Felix Kjellberg's videos are regularly watched by 40 million subscribers. The channel has an annual revenue of $12 million.
Ethan Nicholas, a developer from North Carolina, USA, earned $ 800,000 on a simple iShoot game.
Canadian Danielle Fong came up with new way accumulation and conservation of energy received from wind generators and solar panels. Over $30 million has already been invested in her startup by Peter Thiel and Bill Gates.
German photographer Andreas Gursky managed to earn $ 4.3 million from the sale of one of his photographs. Of course, his income is not limited to this.
The fortune of one of the most successful artists of our time, Damien Hirst, is about $1 billion.
Probably, the well-known writer JK Rowling earned $ 1.5 billion on her wizard Harry. This is the total income from the sale of all copies of the book series and the adaptation of bestsellers.
Unfortunately, such methods of passive income do not imply any guarantees of commercial success. So doing photography, painting or writing makes sense mainly for the soul, and turning the results of creativity into millions and even billions of dollars is mostly a matter of chance.
As for the practical side of the issue, do not forget about such trifles as copyright registration. In particular, to obtain a patent for an invention or utility model, you need to apply to the Federal Institute of Industrial Property. And if you've written a book and want to be on the safe side before offering it to publishers, print it dated and mail it to yourself.

Method number 4. How to become Warren Buffett: passive income on securities!

Where can I get money to start my own business? This is the problem faced by 95% of new entrepreneurs! In the article, we have revealed the most actual ways obtaining start-up capital for an entrepreneur. We also recommend that you carefully study the results of our experiment in exchange earnings:

Warren Buffett is the most successful investor in the world. The fortune of this Oracle from Omaha in 2008 was $ 68 billion. Only a genius can repeat such a success, but history knows thousands of other examples when multi-million dollar fortunes were created on securities. Can you use this method? To answer this question, let's first get a general idea of ​​the main types of securities.
Stock. Companies use this type of securities to attract investment capital. In this case, each shareholder becomes, in fact, a co-owner of the enterprise, although the share of the majority of shareholders, of course, is negligible. Stocks generate income in two ways. First, there are dividends. At the end of each reporting period (usually a year), the company summarizes its financial activities and decides on the distribution of profits. The latter goes to shareholders in accordance with the size of their package.
Secondly, you can receive passive income from the rise in the price of shares for the period that has passed from the moment the securities were bought to the moment they were sold. Of course, there is a risk here, and a rather high one, that stock quotes will fall, that is, instead of profit, you will receive losses.
Shares are of two types: ordinary and preferred. The former give votes at the shareholders' meeting, the latter provide their owners with a higher income, since they involve the payment of either fixed amount, or a strictly defined percentage of the profit.
Bonds. These securities are debt obligations. In fact, the issuer (the person issuing securities) borrows money from you for a certain period, after which he undertakes to redeem his bonds from you, as a rule, with a certain fixed income. Bonds can also be perpetual and with periodic coupon (income) payments during the entire period of the debt obligation.
The advantage of this type of securities is that you are guaranteed to receive a certain yield. The risk is limited only by the solvency of the issuer. That is, if the state or the company does not decide to declare itself bankrupt, the money paid will definitely return to you, and at the same time the income established by the issuer. It should be noted that the yield of bonds depends on the degree of risk, but usually it is small.
Now let's discuss derivatives - derivative financial instruments. These are securities for securities or for goods. Unclear? Now let's look at everything in more detail, and you will understand.
Futures. These are contracts for the purchase or sale of certain assets. They indicate the quantity of goods, currency, shares or bonds, delivery time and price. When the contract is due, either the actual delivery of the asset takes place, or cash settlements. That is, you do not have to pick up the goods themselves, you can receive monetary compensation.
The essence of operations with futures is to buy a contract with a lower strike price, and sell it when market price the underlying asset, and with it the contract itself, will increase significantly. For example, you bought a futures contract for Brent oil with an exercise price of $28 per barrel, and a couple of months later it rose to $35. We sell the contract, fix the profit. By the way, oil futures are one of the most popular instruments for investors.
The advantage of futures is that the value of the contracts is much lower than the value of the underlying assets. This allows you to get by with a smaller amount of initial investment and get more passive income than, say, from direct capital investment in shares. Meanwhile, losses in the event of a change in prices for the underlying asset not in your favor will be higher.
CFD. This is another contract, but this time not for the supply of the underlying asset, but for changing its price. One side is betting on an increase in quotes, the other - on a decrease. On the due date of the contract, one party pays the other the difference between current value the underlying asset and its price at the time of the conclusion of the contract.
For example, when concluding a CFD, the value of the underlying asset (shares, commodities, bonds, etc.) was $100. You have placed a raise bet. Now, if the value of the underlying asset is $110 by the time the contract expires, the other party will have to pay you $10.
The list of existing securities, of course, is much wider, but I have listed the most popular types of assets, and this is quite enough for everyone who is interested in how to receive passive income from investments in securities.

How much will you earn on securities?

Let's start with bonds. Profitability, frankly speaking, is modest. For example, Gazprom's medium-term ruble bonds currently in circulation have an annual yield of only 7.55%. For some bonds of VTB 24 with a face value of 1000 rubles, the income is 9% per annum with payments 4 times a year. A little better, but the problem is the same as with bank deposits- your passive income will not even cover inflation.
Now for the shares. For example, I will take one of the most profitable stocks in the world at the moment - Apple securities. The cost of one share of the company in April 2016 reached $108. Dividends for 2015 were 47 cents per share. You understand, not much, at least if you do not have several million dollars to invest.
In fact, dividends are not large. The main profit comes from the growth of quotations.

So, 6 years ago, that is, at the beginning of 2010, the cost of an "apple" share was only about $28. Thus, during this period, the company's shareholders received a passive income of 285%, not counting dividends. The average annual yield was over 47%. Not weak, right?!
But I emphasize again Apple shares are one of the best examples on the market. Unfortunately, the majority of corporate securities cannot boast of such indicators. In addition, there is always a high risk of a significant drop in quotes, and it is far from always possible to predict it accurately enough.
Profitability on futures and CFDs depends directly on you and your skills in predicting changes in underlying asset prices. So it's pointless to give specific numbers here. I will only say that successful traders derivatives earn very, very impressive capital.

How to buy stocks and bonds?

Some securities can be bought directly from the issuer. In other cases, you will need to contact the services professional participants market - brokers.
All companies set their own minimum size initial investment. Most brokers won't lift a finger if you show up with less than $50,000, but you can find companies with entry fees as low as $200. True, with such a modest amount you can’t really clear up, and for a big profit from long term investment a couple of hundred dollars in securities can not be counted.
Although you can start with this, but I would recommend doing binary options with a small capital. This tool allows you to work with both stocks and bonds, but investments are required many times less than if you bought securities, and the yield is many times higher. In order not to be unfounded, I publish on my transactions.
It is very important when choosing a broker to check its reliability, quality technical support, and most importantly, inquire about the amount of commissions for transactions, deposit and withdrawal of funds.

Just the truth: can you make money on securities?

For a private investor, the easiest way to invest in securities is to buy and forget for a few years while the income accumulates. This is a strategic investment. The problem is that for a long-term investment in science, you need to look for a "safe haven", and now there is no such place anywhere in the world. So, in the early days of 2016, we could observe the largest collapse of the Dow Jones index since the Great Depression. And by the way, this index takes stock prices into account 30 largest companies USA, such as Coca-Cola, Boeing, General Electric, Intel Corp., Nike, etc. So investors received a gift for New Year multi-billion dollar loss.
One can, of course, think that American companies the range of securities is not limited. But the situation is no better in other countries. In particular, on the same days when the Dow Jones suddenly fell ill, its Chinese friend, the Shanghai Composite index, collapsed even more.
So, "safe havens" for capital on stock market actually not today. True, you can try to define money in the shares of companies " new economy". These include payment systems, search engines, social networks, software developers, device manufacturers.
If you absolutely do not understand anything in all this and are not too eager to constantly follow economic and political news, it is easier to transfer money to trust management. Brokers and management companies offer different investment strategies, diversify the package and adjust it depending on the market situation. Of course, you will have to pay a commission for all this happiness, but it is easier than delving into all the wilds of the strategic analysis of the stock market yourself.

Mutual investment funds.

This is an alternative to direct trust management your money in your personal account. Here we are talking about collective investment. The fund sells its shares, due to which the general investment capital. This money is invested in assets: stocks, bonds, real estate, etc. The natural goal of the fund is to extract as much profit as possible from these investments. Income is divided between shareholders in accordance with the number of shares.
The main advantage of mutual funds is the ability to invest in expensive assets with a small amount. For example, you have 30,000 rubles. With this money you can buy only 4 shares of Apple. It seems to be not bad, but the risks are extremely high - remember, we talked about diversification. You can go the other way: buy 3 shares worth 10,000 rubles each, choosing a mutual fund with a strategy of investing in companies of the "new economy". There will be our beloved Apple, and Facebook, and Microsoft, and much more. Of course, the presence in the portfolio of less profitable securities will reduce total profit. But, at the same time, the risks will also be reduced, and many times over, and we must always strive for a reasonable balance of risks and profitability.

Method: 5. Passive income from your own business!

I think it makes no sense to talk about how much a successful entrepreneur can earn, given that the brightest examples are on everyone's lips: Jobs, Gates, Branson, or personally my idol Elon Musk. The only question is how to turn a business from active income, when you disappear into the office day and night or ride around cities and towns, visiting representative offices of your company, into a passive income business.
In general, there is no big science here. First, you need to clearly articulate the mission, core values ​​and strategy of the company. Secondly, it is necessary to adopt a process approach to the internal organization of the enterprise. That is, all the work of the company should be divided into separate simple processes and written in the form job descriptions for each employee. Such a system involves the creation of control points, the verification of which is sufficient to track the activities of the company and its results. In this way, you will get the opportunity to manage the company with minimal time costs. She will work like clockwork. All you have to do is correct course.
When the company is already built and brought to cruising speed, there is no need to manage it yourself. You can hire a CEO (Chief Executive Officer) and dump the burden of leadership on him.
Of course, such methods of passive income involve one pressing problem - the question of finding initial capital is acute. I wrote my thoughts on this topic in this article:

How to create a business empire through franchising?

Imagine you have created a company. Successful. Effective. profitable. But want more. To give up the dream of putting the business in passive mode, and at the same time from your dolce vita to profit from a stand-alone company? Roll up your sleeves again and take on the development of the enterprise, expanding its presence in other regions? To do this, you will have to disappear on business trips for months, build up administrative resources, and, by the way, costs will grow along with it. In addition, there will be a problem of attracting money to expand the business. You can use my modest recommendations:. However, for the full-scale development of the company to do without borrowed money is unlikely to succeed.
This path has a much more profitable and simple alternative - franchising. Its essence lies in the fact that you sell your finished business model along with the right to use all technologies, brand, documentation templates to other entrepreneurs. They, in turn, open representative offices of your company in the regions at their own expense.
This solves three problems at once. Firstly, franchise buyers invest in the expansion of the company. Secondly, they also ensure the management of the enterprise's divisions, without the need for strict centralization and constant control from the center. Thirdly, unlike hired managers, the franchisee treats a division of the company as if it were their own business. He is personally interested in achieving maximum efficiency and profitability of the enterprise. As a result, there is no need to inflate the management staff to control the work of regional divisions and puzzle over the methods of stimulating managers.
What do you get? First, the franchise buyer pays a lump-sum fee right away. Secondly, you will receive royalties from the profits of all affiliates - this will be your passive income. The parent company requires precise step-by-step instructions for opening a company, technology for creating a product and sales, a marketing strategy, in a word, everything that you had to do in the process of creating your enterprise anyway. Additionally, you only need to organize a small department that will promote the franchise, interact with potential buyers, as well as advise them and help them solve problems.
How to create a passive income business through franchising is pretty clear. The question remains - how much will you earn. It is hardly possible to estimate the potential profitability of the network. It all depends on the quality of the business model and development strategy. But as a sample, I will list several well-known brands, the development of which is carried out precisely according to this technology: KFC, Subway, Traveler's, 2GIS, Yves Rocher, Well, Expedition, Sbarro.
Now a more specific example in numbers. The lump-sum fee for purchasing a Subway franchise is 600,000 rubles. Monthly payment in favor of the franchisor (royalty) - 8% of the proceeds plus 1.5% of the turnover as an advertising fee. The turnover of one point varies between 5-9.5 million rubles, and the total in the network in Russia is 673. Thus, the total income from the entire network is more than 390 million rubles, excluding advertising fees.

mlm. Can you create passive income with network marketing?

About 20% of American millionaires made their fortune in network marketing. Here is the answer to the question about the possibility of making money on MLM. I think that today it has become even easier to use this model of building a business than 10-15 years ago. This is due to the relative simplicity and availability of tools that allow you to quickly develop a network of partners via the Internet.
Network marketing, in fact, is one of the options for a business development strategy. The same franchise, only simpler and much more affordable for partners. This option is suitable for products whose sale does not require outlet or office.
Yes, for many, such examples of passive income cause some irony. But this is rather due to the somewhat intrusive and even sometimes clumsy nature of the work of distributors. In fact, the model is quite working. You get a product without significant investments, which you can trade without organizing a point of sale, recruiting and other difficulties. Just make your own regular customer partner, he continues to buy products himself and sell them to his friends, and you get income for this without the slightest gesture.
MLM has enough advantages:
Minimum initial investment. In most cases, you can get by with $200-300. That is, your risks are limited only to this amount.
No paperwork, and, therefore, no need to spend money on the services of a lawyer, accountant, etc.
No need to master the intricacies of the art of personnel management. In fact, you have a lot of people from whose purchases and sales you receive income. At the same time, they all act independently without additional motivation, as is the case with a franchise.
No hassle with the tax service, numerous inspections of regulatory authorities, economic disputes with contractors, etc.
It is possible to create a branched multi-level structure literally in 2-4 years, and then, at least for several years, it will bring impressive passive income without much effort.
Of course, a lot depends on the choice of brand. For example, I see no reason to join such painfully familiar structures as Avon, Amway or Herbalife. I think it's better to bet on a brand promoted abroad, but new to Russian market. So you will be more likely to create a large pyramid of partners.

Method number 6. Don't know how to create your own business? Earn on someone else's!

We have considered almost all examples of passive income that I wanted to analyze in this material. The last thing left is investing in someone else's business. It would probably be more correct to call this investment in venture, that is, high-risk enterprises, since we have already touched on investing in shares and bonds of developed stable companies above.
The point here is to find a promising startup, help it with money in exchange for shares and either regularly receive some share of the company's profits, or wait until its securities grow many times in price and sell them. There are many examples of successful capital investment in venture capital companies. Of course, the most famous are large investors. For example, Jim Goetz turned $60 million into $3 billion by investing in WatsApp. Douglas Lyon made a fortune of $ 2.2 billion on Google, YouTube, WatsApp. Approximately the same earned Peter Thiel on PayPal and Facebook.
All these respected people, as you understand, “graze” in Silicon Valley, where you go with your $ 1000, they will kick you out like a beggar. However, this does not mean that you cannot, having a small amount, join the ranks of venture investors.

How to become a venture investor?

Take on the role of a business angel. In my opinion, for a non-professional investor with little capital, it is better to choose other ways of passive income, since this option is the least profitable and at the same time extremely risky. The bottom line is that you find start-up entrepreneurs among your friends or just online and provide them with funding. The chances of success are extremely small, unless you yourself are an experienced businessman and are not ready to take part in the project.
crowdfunding platforms. Angellist and StartTrack and other platforms allow you to invest relatively little a large amount in several startups at once, and transactions are carried out through a special online service. Additional advantage lies in the possibility, when choosing projects, to focus on the decisions of other investors, including professional ones.
syndicated deals. These are joint operations of groups of investors existing on the same crowdfunding platforms or with investment funds. This approach allows you to invest together with professional players and get access to better and more promising projects. The disadvantage of syndicates is the fees for related services.
Venture funds. If you do not already have, say, $1 million, then this option will not suit you. But we are working for the future, right? So this is worth considering as well. It is good because you do not need to understand existing projects and personally choose startups - professionals do everything for you. You are only required to transfer money to the management of the fund for 5-7 years.
Considering venture investments as passive income, keep in mind that in order to ensure an acceptable level of risk, you need to distribute capital among at least 10 projects. At the same time, it is necessary to select only high-quality startups. To do this, follow venture project competitions, as well as read articles in the media with selections of promising companies.

Passive income. How it works?

Each of us has an elementary set of resources: time, physical strength, the ability to perform simple tasks. Many also boast a good education, work experience in any field and just a smart head, which in itself is not as common as we would like. So the difference between a dollar millionaire and an ordinary hard worker who lives paycheck to paycheck is how they manage these resources.
An employee, of which the vast majority, in fact, makes a direct exchange of his time for money. At the same time, the cost of each hour or day directly depends on the value of his skills, knowledge, experience, and productivity. And this is called active income. Rich people, in turn, directly or indirectly invest their available resources in the creation of assets - values ​​that can generate income without further investment of the resources of their owner. Therefore, passive income is also called residual from the Latin word residuus - remaining, preserved. The work has already ended, and the profit is saved for an unlimited time.

Why this way of extracting financial gain brings in many times more money than ordinary wage labor? It's simple: you can create a package of assets, the total value of which for the market will be hundreds of times higher than the value of your personal time with all the skills and knowledge combined.

3 types of sources of residual income!

What can act as assets? I have already given specific options for passive income above, and now I will try to explain the essence. So I would divide all assets into three categories:
The first type is things that rise in price on their own. That is, receiving passive income or another currency is earnings on the difference between the price you paid when acquiring property and its value, say, in a year or simply by the time you decide to sell this property. For example, you bought shares for $15 apiece, and after 5 years they are already worth all $115. The cumulative return is 766%. This is a brilliant result, I tell you.
In the second group, I would include property that can be sold an unlimited number of times. An example is a patent for an invention. You can sell the right to use your invention to multiple companies during the lifetime of the patent. At the same time, you worked only once - when you created your invention. And it can bring a stable passive income for decades.
The third category is assets that themselves create new value, and you receive income from its implementation. Any company can serve as an example. Once having created successful business, you can retire, but the activity of the enterprise itself will not stop. It will continue to produce goods or provide services, to profit from their sale, and some of it will safely settle in your fattening pockets.
I want to note that this is not a free retelling of some scientific classification, but my own view on the types of passive income. And I tell you all this so that you understand general principles asset formation and were able to find and choose for themselves the most convenient and interesting methods for creating sources of residual income, not limited only to my or someone else's advice. In the end, you need to do what you get real pleasure from, otherwise you will not be able to achieve truly grandiose success.

What's stopping you from creating passive income?

I'm sorry, but now I'm going to be smart. Or rather, demonstrate their modest knowledge of economic theory.
In the interpretation of the Austrian economic school capital is defined as resources that we do not consume right now, but use them in order to get more high level consumption later in the future. And profit, in turn, is a payment for the risk of losing these very resources, as well as for the fact that you have to be patient a little and postpone the moment of consumption until later.
Actually, in these definitions there are four main problems that prevent the creation of residual income.
Problem number 1. We resolutely do not want to endure and postpone the sweet moment of consumption for the future. We want to eat, drink, use everything right now. Life, in fact, constantly offers you a choice: crack one dubious-looking caramel this very minute or wait a week and get a whole box of delicious chocolates. And what do you usually choose? There will be no hints here - answer yourself, only honestly.
Problem number 2. Bad time management. Instead of smartly scheduling and investing part of the time in our assets, that is, future consumption, we either give this time to the uncle for whom we work overtime and on weekends for a “thank you”, and often without any thanks, or we bring precious hours and days as a sacrifice to the gods Divan and TV. There is only one way to overcome this problem - timing. I must say, time management is a whole science, although it is easy to understand it. I advise you to read books on this subject by a recognized guru in this field, Brian Tracy.
Problem number 3. Bad financial management. Remember Matroskin's phrase: “In order to sell something unnecessary, you must first buy something unnecessary. And we don't have any money!" Here is the third problem of creating residual income. This requires at least a small capital, but where to get it? I have already outlined some of my thoughts on this topic in the article. In general, you need to learn how to plan your budget and save. Just make it a rule to set aside, say, 10% of all your income every month, and whatever happens, stick to this principle.

This rule is directly related to the third problem of residual income, that is, risks, and is expressed in just one word - diversification. The essence of this approach is to distribute your capital into several assets with different levels of risk. For example, you can build a portfolio of stocks, bonds, and precious metals.
Why is this needed? This is how we minimize risk. For example, if you invest all your money in the shares of a promising young company, then the probability of losing all capital is extremely high if the enterprise does not live up to expectations. And you can do otherwise. Part of the money is in high-risk securities. Another part is in gold. The risks here are much lower and in long term the yellow metal shows a stable and very decent growth. And, finally, define another part of the money in bonds, which have a small but fixed value.
Having such a portfolio, on the one hand, you provide yourself with the opportunity to receive a high and stable passive income from shares. On the other hand, you protect yourself from a total loss of capital with bonds and gold. Thirdly, at least part of the invested funds will certainly bring some profitability, which will compensate for potential losses from the loss or fall in the price of other assets.

What passive income options do I choose?

You can learn about my entrepreneurial history in this little autobiography: . In short, I have already built my business, and it is he who serves me as the main source of passive income. But, since it is useless for a real entrepreneur to stagnate, I, firstly, planned the expansion of my company, and secondly, I mastered a new way to increase my capital - trading on the binary options exchange.
This option is not entirely suitable for obtaining passive income itself, since it involves the trader's personal participation in each transaction. However, I will still say a word about it, because, in my opinion, binary options have several advantages at once over each of the above methods of earning:
Low price entrance ticket. Unlike the minimum necessary costs to create your own business or a diversified portfolio of stocks and bonds, $300-500 is enough to start working with binary options. Of course, to ensure good returns and minimize risks, it is better to allocate a slightly larger amount.
High profitability, many times higher than inflation. Profit from speculation with binary options can reach and even exceed 100% per month of the initial capital. None of the above methods bring such income.
Everyone can master the work with binary options and reach a consistently high profit in 1-2 months.
However, I must immediately upset the lovers of freebies - it is not here. It will not be possible to do without preliminary study and rather painstaking work at the very beginning. You can learn more about how to start from this article:. But then you can make several profitable trades a day quite easily, spending a total of no more than an hour on it. Here is one example of my transactions:

I hope my recommendations on creating passive income will help you figure out how to grow your personal financial empire and avoid common mistakes. I wish you good luck and all the best.
Sincerely, .

Passive income is a method of making money that does not require constant effort and work from you, you get your money even when you just sit in front of the TV and drink tea with sweets.

Surely you noticed that most of the rich and successful people monthly receive not a small profit almost out of thin air. In fact, money doesn’t “drop” into anyone’s bank account just like that. It's all the result of hard work. Let's try to understand this issue together and learn with a minimum of effort with the help of passive income.

What is passive income

A large mass of all people are accustomed to living by standards. The monotonous lifestyle of "home-work-home" suits many. Some men and women, wanting to earn additional income, get a second or third job. But with such an approach, it is hardly possible to become a successful person. In order to live for your own pleasure and not think about whether you will “reach out” to the salary, you need to find a source of passive income.

Passive or residual income This is a type of income that does not require active actions of a person. In other words, every month some sum of money for previous work. That is, you invested money in a business, or successfully sold your creation, and now you receive a reward throughout your life (or several years).

But in fact, it is not easy to organize and receive such income. You will have to put in a lot of effort. This may take years. But it's worth it. And yet what is the point of getting money in this way?

In order to receive dividends or interest, you must have an asset. And it is these types of assets that we will now talk about.

There are several types of passive income.

• Intellectual. Occurs when a certain intellectual product is created. It can be a book, a song, an invention, a video. Subsequently, the author (rentier) receives a fee and a percentage of each copy sold, a patent.
• Investment (financial). To obtain this type of passive income, some capital is required, which is invested in real estate, securities, stocks, etc. Such deposits are the source of interest and dividends.
• Marketing. By creating a marketing network, a personal website or your brand, you can receive a certain amount money monthly.
• Legal. This is the type of income that many citizens are entitled to by law. Namely, pensions social payments, material aid. So, if you are part of a group of people who rely on social services. payments, then by filling out the relevant documents in public institution you can regularly receive money without putting any effort. Pro this species we will not tell, because it is already clear to everyone.

A person who lives on money from passive income is called a rentier. He most often owns real estate, which he rents out, financial assets, or intellectual property.

What is the difference between passive and active income

Modern man is accustomed to survive thanks to active income. But this is due to the fact that not everyone knows and understands the difference between active and passive income. To get started new life, or leave it as it is, let's find out how passive income differs from active income.

1. Active income is received by an employee, a specialist, an employee for some work done. It could be wage, advance, premium, etc. But if a person stops his labor activity, then he is not paid any money either. Passive income does not depend on whether you worked this month or not, and you receive payments anyway.
2. In order to receive dividends, interest, you must have initial capital, assets. To receive active income, you do not need to have any valuables.
3. Active income limits a person's actions. For this type of income, you can work one or two jobs. While passive income does not limit the actions of the owner. Those. financial capital can be divided into several parts and invested in different projects.
4. The risk of being left without a livelihood is higher with active income. So, when you leave your job, you will no longer receive any payments, i.e. loss will be 100%. Having passive income and investing assets in several projects at once, you will never be left without money. In case of failure of one project, you receive income from the rest.
5. Active income is preferred by people who do not understand financial matters. Therefore, they most often never achieve financial stability. Owners of passive income live for their own pleasure and do not need anything due to financial independence and prosperity.

Sources of passive income

So, we have already found out what passive income is, what types it is divided into and how it differs from active income. It's time to find out how and why you can create a source of passive income.

Let's take a look at the most popular and affordable ways to get "easy" money together.

Renting out real estate

One of the most popular and common ways to earn passive income. To receive rental income, you must at least have real estate, or a rather large capital, for which you can buy residential or non-residential space.

After acquisition square meters you will need to work hard to make repairs, purchase the necessary furniture. Real estate can be both residential and commercial. In the first, people live and relax (houses, apartments), and in the second they work (offices, industrial premises).

With this type of income, you receive a certain amount every month, but from time to time you will have to make repairs and monitor the condition of the premises. This can be avoided by using the services of specialized firms. They will take over most of your duties, and in return they will demand about 10% of the rent of the premises.

Leasing of special equipment, equipment for rent

Renting out special equipment as well as renting real estate is a profitable business. Very often, this type of income brings more profit than renting real estate. All due to the fact that special equipment and equipment can quickly pay off. So, for example, if you have any expensive construction tool, then regularly renting it out, it will cover the cost for several months.

You can rent out any movable property, which costs more average salary you have in the city. It can be the most diverse equipment (commercial, industrial, industrial), machines, inventory.

For example, one friend for his factory periodically rents a car with a tower (boom) to repair power supply systems, raising electricians to the desired height to the cables. For a day they give more than 5000 rubles. Calculate the profits yourself.

Owning such equipment, you can live comfortably for more than one year.

Renting advertising spaces

Everyone knows that advertising is the engine of commerce. It is thanks to the bright promotions, trading companies became successful. Our people are arranged in such a way that they buy and use exactly those products and services that everyone hears about. This is what many advertising companies use. They try to place ads in all sorts of places. It can be cars, public transport, billboards and even residential buildings. So why not make money on it?

Renting advertising space is a great passive income option for lazy people. All because you need a minimum of effort. This is to find an organization and offer your services for advertising on your car, house facade, balcony, etc. After that, an agreement is concluded, you place the specified type of advertising (posters, stickers, etc.) and you receive the agreed amount. The only negative may be the limited terms of your agreement. But you can always find an advertising company that wants to work with you.

Bank deposits (deposits)

One of the least labor-intensive ways to generate passive income is bank deposits or deposits. They require a minimum of effort. You will only have to find reliable bank with the highest interest rate. Everything else is done by employees. financial institution. The only condition is the presence of a certain capital, which should be invested. The larger the amount, the larger the amount of interest.

If you have several million at your disposal, then having made a profitable investment, you may not work at all. But if the amount is not large, then, accordingly, the income will be minimal. Very often, people with a small income set aside a certain amount every month for several years. As a result, their children have a good passive income.

But this type of income has a significant disadvantage. This is inflation. It is because of her that investors lose up to 10% of their income, because. money depreciates every year. This must be remembered before concluding a long-term contract.

Intellectual or creative product

This type of earnings will appeal to talented and gifted people. It is they who can create some intellectual or creative product. It can be a book, a song, a poem, some invention.

After writing the book, you will need to contact the publisher, where they will accept the manuscript (if it is really worthwhile). After the publication of your masterpiece, royalties will be paid and a percentage of each sold copy of the book will be deducted monthly. It all sounds very nice and simple, but in fact, this type of earnings has very tough competition. Therefore, the maximum cash payments receive only brilliant authors, loved by millions of readers.

If you create any technology, you will have to patent it. If the invention is useful and its mass production begins, then your children can also receive passive income.

Own business

If you feel the huge potential of a leader in yourself, then you can try. In order for it to bring passive income, it is necessary to work actively for several years.

First you need to understand what exactly you want to do. This should be an area of ​​activity that you know well. Let's give a simple example, if a man is well versed in cars and loves transport, then it would be a great idea to open your own service station.

When the idea is "ripe", get and. Then start the business.

When you realize that your business has become successful and brings a stable income, you can think about delegating it (transferring certain powers to another person) and receiving passive income.

In order to retire and “skim the cream” in the form of cash, you need to remember that the company you built should work like a well-oiled mechanism, and the person you entrust the management of the company to will not let you down and justify the trust placed in you.

Based on the experience of many companies, we would not recommend completely withdrawing from business. This leads to bankruptcy in 90% of cases.

Selling a franchise and receiving royalties

Owners of large companies can count on such a source of passive income famous companies. It does not require any capital, but to obtain it, you will have to work fruitfully for more than one year. Let's take a closer look at franchises and royalties.

In simple terms, a franchise is a lease of a brand, trademark, company management method, slogan, etc. some unknown organization. Thanks to this, the production and sale of its products under the logo of a well-known brand is carried out. As a result, the turnover and income of the start-up firm are rapidly increasing.

After the sale of the franchise, royalties (an agreed amount of money) are regularly paid. It can also be a certain percentage of the income of the firm that bought the franchise.

At first glance, everything seems easy and simple, but in order to receive passive income, in this way, you need to build a large business or a brand that will be heard.

Investing in a third party business

People with solid capital and assets can count on passive income by investing in a third-party business. The more you invest, the more interest you get.

In order to invest in a third-party business, you need to study the business plan well, calculate everything possible risks regularly monitor the activities of the company. Only in this way you will save your investments and not be deceived.

Investing in any business is a very risky undertaking. In order not to lose all the money in case of bankruptcy, do not rush to invest all your savings in one project. It is better to invest in several organizations at the same time. Thanks to this, in case of failure of one project, others will bring passive income.

Creation of a mobile application

In the modern age of progressive technologies, most people have a mobile device that supports various applications. Mobile apps make life easier for millions. Everyone downloads an unlimited number of them and recommends to others. Therefore, anyone can create their own application that will bring decent passive income.

• First, you need to get an interesting idea. She can help you get rich. Due to the high competition, it is sometimes difficult to surprise users, but if you do succeed, you are guaranteed success.
• Second, create an application. To do this, you need to contact specialists who, for a certain fee, will be happy to help you.
• Thirdly, place the finished product on the platforms. For starters, don't overcharge the app. Put the minimum amount. And when thousands of people like it, gradually raise the price. Or make it free, but with paid add-ons or ads.

Creation mobile application This is a fairly simple source of passive income. In most cases, it does not require large investments, and the income received can pleasantly surprise you for several years.

Creating a YouTube channel

Probably every PC user at least once watched videos on YouTube. This is really a very convenient site where you can find any information of interest (master classes, training videos, funny videos, etc.). Millions use this service every day. So why not make money on it?

To get passive income with YouTube, you just need to create your own channel and upload interesting, and most importantly, useful videos. It can be varied, ranging from a video of funny animal behavior to a master class on repairing a washing machine. It all depends on what you can do.

Very often, a start-up company lacks recommendations that will ensure regular sales. If you have a wide circle of acquaintances and close cooperation with a large number of firms, then passive income from recommendations is created just for you.

So, communicating, you will find out that someone needs the services of an electrician or a designer. You can recommend this or that firm and get for it cash reward or a certain percentage. The main thing is that in this organization there are payments for recommendations.

Maybe the amounts will not be sky-high, but it's better than nothing. The lack of start-up capital is the main advantage of this method of obtaining passive income.

Passive income on the Internet - your website or blog

I started to deal with blog sites (article sites) a long time ago, but I did not turn them into passive income. I developed them for sale or temporary income from advertising and as a rule they did not stay with me for more than 1 year. But now that I already have several main activities, why not slowly start acquiring assets with passive income. So I created a website a few years ago, which now brings more than 100,000 rubles. only on contextual advertising without my participation. And what's more, I did not stop there and made several more sites that are now generating income.

What is good passive income from websites?

The fact that articles will be read constantly and search for information constantly. Having written an interesting article 1 time, it will bring you a lot of traffic from search engines and will bring readers constantly. And that means income. Blog development is about creating interesting content (articles for example) and attracting readers. When there are readers, you place contextual advertising and earn on clicks on it. It's very profitable. Having swung a blog a little, you will already be making a profit, and with each increase in readers, the profit will grow. And then you can do nothing and only occasionally publish articles, and the money will still drip in this plus. Or you can put the editor in charge of your site or several, as we do.

If you plan to develop this direction, then read the section on. There you will find useful information, and if it is not enough, then ask questions, we will add.

Investments in the purchase of information sites

If you do not want to create a source of passive income in the form of a site, as I described above, then you can buy sites with income. But for this, you must at least understand the topic and go all the way from creating your sites.

Affiliate programs as passive income

I already wrote an article about . And this source of income can be made passive. If you work well in this direction and a lot of people will be registered using your affiliate links in those services or stores on whose affiliate program you earned, then everything further actions these people you will also be paid.

I still get money from many of the services I referred people to a few years ago. This is a small income, but comparable to renting an apartment in Omsk.

We hope that everyone who reads this article has already understood the importance of passive income and the main differences from active income. Now let's try to figure out together how to achieve this coveted financial independence.

1. Start with yourself and educate yourself. In order to make assets, capital, business work productively, you first need to study the theoretical part. Start reading books by famous financial experts (eg Robert Kiyosaki, Bodo Schaeffer, Robert Allen, etc.). Thanks to this, you will better understand all the nuances and details of financial activities.
2. In your free time from your main job, start looking for a source of passive income. Maybe you'll invent something new, patent your creation, and be rewarded for life, or maybe you have another hidden talent that will help you gain financial freedom. To make your work enjoyable, try to turn your hobby into a source of income. For example, an amateur photographer can sell his work on specialized platforms on the Internet, and a programmer will create an Internet application that will be downloaded by millions of people.
3. If you still found a way of passive income that suits you, do not stop there. Try to develop and discover new ways of earning. For example, having profitably invested money in a bank, you can still upload videos on YouTube, review existing construction equipment and rent it out.

Why the poor stay poor and the rich stay rich

The subconsciousness of most people of our time contains information that in order to feed their families and provide for themselves, it is necessary to learn some kind of profession, and then plow all their lives in a factory, mine, office, etc. At the same time, to fully relax only once a year on vacation. That is why the plan is moving the average person in our country.

At the same time, more successful and financially literate people have long understood that a decent income can bring not active, but passive income. Naturally, they understand that in order to regularly receive money, applying a minimum of effort, you need to certain time work actively. This period may be several years, but such a person is aware that he is working to create passive income that will ensure a comfortable old age.

Poor people work only to satisfy their needs. At the same time, they do not even think about creating some kind of capital that can bring money. In the best case, a person gets a job in another, or additional job.

The difference between the poor and the rich is how they spend their free time. A wealthy person gets richer every minute due to the passive income that profitable investments. Low-income people drink beer, watch TV and complain about the life of the people around them.

One well-known businessman and financial analyst said that a person's success is not calculated by the amount bank account, but the amount of time that it may not work. It really is. After all, you can deny yourself everything all your life, limit your desires and needs, while collecting in three-liter jar saving. But such a person can hardly be called happy, successful and enterprising.

How to achieve financial freedom and independence

In order to live for your own pleasure, you need to make money work for you. This is possible if you work hard for a while. During the period of activity, we do not call for work 24 hours a day. It is enough to look for methods of alternative earnings in your free time, which in the future will bring passive income. The more such sources there are, the less work will have to be done.

It can be quite hard at first, but remember that thousands of people like you do not live on a beggarly wage, living on bread and water. They do not know the feeling of hunger and need. And all because they understood in time how exactly you need to make money.

Conclusion

Now you know everything about passive income! You might also find the article on . Do not be afraid to experiment, because everyone has one life. And it depends only on you and me how we will live it. It's never too late to start changing your life. It is within the power of both a teenager and a pensioner. The main thing is to believe in yourself and not give up, and then you will definitely succeed!

The choice is yours! And I'm waiting for comments under the article.

Many dream of passive income and ask: “How to create passive income from scratch? Where can I find proven passive income ideas? But not many people know that today this type of income has become available to everyone. And largely thanks to His Majesty the Internet! In this article, I will reveal the concept of "passive income" (residual income), talk about the sources of this type of income and describe several ideas for its creation, which I use myself.

If you are already thinking about the possibility of creating passive income and strive for a life that passive income provides, then this article will be useful for you!

is a type of income characterized by stable cash receipts regardless of daily activities. Chances are you've come across (or heard of) people living off passive income. These people usually don't go to work. Such people are called rentiers.

A rentier is a person who lives off rent - the income received from the capital that he has placed in a business, deposits, profitable real estate, securities, as well as income from copyright.

For example, you are an expert in a particular field. So, you can “sell” your knowledge by recording a training course (audio or video, it doesn’t matter). You made a quality course once, and it will always bring you income when someone buys it (this can take more than one year).

With the concept of passive income, we have decided. Now answer the question for yourself:

Why do you need passive income?

Many are attracted by a luxurious life - chic beaches and houses, cars and yachts. And someone treats such a life calmly and is satisfied with what he has. I am one of those people because I understand that a luxurious life is only the tip of the iceberg.

I think the main advantage of building a passive income is that you can free up your precious time for the things you love that you can't do right now because you're "working at work". I know people who would like to devote themselves to serving other people - the homeless, children in orphanages.

With the help of passive income, you can start making your dreams come true.

2. "Money goes to money"?

The expression "money - to money" quite often justifies itself. Today it so happened that people with an average income spend all the money they earn without a trace, buy goods on credit and borrow from friends and acquaintances up to a salary or an advance.

Why does it happen that people in their 30s and 40s cannot earn a good living? Now I will answer this question.

IMPORTANT! The thing is, people don't know how to focus on asset creation. capable of solving material problems. It turns out that people drive themselves into financial slavery, which is flourishing today.

In the educational cartoon, which you will find at the end of the article, plain language the basics of personal finance are presented and a classification of people is given depending on the ability to manage them (which category do you belong to?):

1. Zombies (financial). Their expenses exceed their income, their assets are negative. Those. they live paycheck to paycheck and are always in debt. Almost all of their money goes to pay off their debts.

2. Kamikaze (financial). Their p a incomes are approximately equal to their incomes, assets are negative. They often look wealthy: they have an apartment, a car… However, this is all on credit. They walk on a razor's edge, and in case of unforeseen circumstances they easily fall into the ranks of financial zombies!

3. Maniacs (financial). Their income is equal to expenses or slightly exceeds them, assets are equal to zero. They usually have no debts, but also savings. They are in the grip of the consumerism syndrome: they never have extra money, because they will always find something to spend it on right away.

4. Turtles (financial). Their income exceeds expenses, assets are positive. They have no debts or they are minimal, they have savings. But like turtles, they accumulate slowly because they prefer to keep their savings under the mattress, and the most advanced turtles in the bank.

5. Wise men (financial). Their income exceeds their expenses, assets are positive. They differ from turtles in the level of investment. Investments net assets generate passive income for them.

Did you recognize yourself from the description? For example, I see that since I started thinking about personal finance and studying books on financial literacy, I gradually began to move towards the 5th category.

In order to learn how to create assets, I strongly advise you to read books on financial literacy by the famous businessman and investor Robert Kiyosaki. And make sure to read these books to your children. Start with books Rich dad, poor dad and Cash flow quadrant. If you prefer books in "paper" form, you can purchase them, for example, on Ozone (they have free delivery) - Rich dad, poor dad , Cash flow quadrant.

I like Kiyosaki's simple but very effective advice for creating your own asset. As soon as you receive some income, you begin to distribute it to others - you pay for an apartment, for a school, for a hairdresser, for a concierge at the entrance. You are giving away your money to everyone, but not to yourself! This is a fatal mistake for everyone who has not yet built a passive income.

You must first of all “give” money to yourself, and therefore to everyone else! Thus, you will begin to create your asset and then you can increase it by investing in your business or in some other way (which we will discuss below).

Here is a simple exercise. You can easily become a millionaire if you save only $1 a day! Don't believe. Then open on the Internet any deposit calculator, like this one. And you will see that if you refuse one cup of coffee a day for 30 years (figuratively speaking), you can become a “hryvnia” or “ruble” millionaire.

Can't believe?! Look at the screenshot: a deposit at 12% with monthly replenishment in the amount of only $30 ($1 per day) with a monthly capitalization will turn into 2.7 million hryvnias or 7 million rubles ($108,000). And it's only $1 a day.

TIP #2. UNDERSTAND that the one who works all day has no time to make money!

John Rockefeller said: "He who works all day has no time to earn money!" Consider his words.

Indeed, working at an enterprise, in production, in an office, no matter where, people earn on “current” expenses. And you can become a millionaire only in your free time from your main job.

It follows that TIME IS OUR MAIN WEALTH. Remember: "Time is money" - this is what wealthy people use.

Consider a day ordinary person: goes to work in the morning, works all day in the afternoon, and goes home in the evening. On the way home, he may go to shops, cafes, and at home - dinner and TV. Naturally, such monotony does not set you up for progress in the future, especially if you take into account that many earn money by doing what they don’t really like to do.

Naturally, the creation of passive income is preceded by active work for a certain time (it can be several months or several years). But then you can leave your “unloved job” and enjoy life.

TIP #3. GET knowledge in the field of personal finance.

The well-known financial literacy specialist Robert Kiyosaki, whom I mentioned above, DETERMINED WEALTH BY THE LONG TIME during which, while continuing to live comfortably, a person can not work.

« Cash flow» - this is the name of the world-famous game by Robert Kiyosaki, which can help you figure out how to “turn time into money” by creating a permanent passive income.

There are several versions of the Cashflow game - 101, 202, 303 and 404. Each of them teaches the skills of investing, building your own business and competent handling of personal finances. Don't think it's just child's play. The game "Cashflow" will be interesting and challenging for all adults - not only for an office worker, but also for the owner of his own big business.

You can buy a game in a bookstore, but it will cost 30 or even 50% more than in an online store. You can order the game on a trusted site (online store) ozon.ru with free shipping. Here is the link Board game Cash flow 101 (2016 edition).

If you want to learn more about the CASHFLOW game, I recommend this interesting and useful with a detailed description.

IMPORTANT! I think you have already understood that in order to build a passive income, the first thing you need to do is learn financial literacy. Neither parents, nor schools, nor universities give us this knowledge. Even if you work as an accountant in a large enterprise or financial analyst in a bank, it doesn't always mean that you have knowledge of personal finance.

3. Types and sources of passive income

We answered the question, what is passive income? I think it's time to satisfy your curiosity by revealing the "secrets" of ways to create and sources of passive income. Further we will talk about this. You just have to choose the method that suits you.

Many are not satisfied with the fact that they have to wait (months, years). But we need to get out of this psychological trap. Think, the working age lasts 25 - 40 years, ending retirement age and receiving a pension, which can hardly be called “deserved and worthy”.

It turns out that we can work for several decades, doing what you don’t really like, but securing financial independence for ourselves is “beyond our strength.” But you will have the opportunity to retire much earlier than the period set by the state (not at 55 or 60 years old, but at 35-45).

Are you sure you want to create passive income to have more free time at your disposal? Then begin TODAY to act decisively in this direction. Decide and act!

So, more about the types and methods of creating passive income

There are 4 types of passive income:

• investment (financial),
• intellectual,
• marketing,
• legal (relying on the law).

Agree, not very much. The types of passive income in Russia are the same as in other countries in the world. Now let's figure out how you can provide passive income.

1st view. Investment (financial) passive income

It is created in case of investment (investment) of funds in certain financial instruments, objects. From the investment, we receive a certain amount in the form of interest or profit.

Sources of income can be:

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

2nd view. Intelligent passive income

Sources of income can be:

• Author's fee;
• Patent for an invention (technology)

If you do not like the idea of ​​creating an information product yourself, you can earn income from the promotion of other people's information products through affiliate programs. I myself receive income from this online business. I consider Evgeny Vergus the main expert in making money on affiliate programs. You can immediately start earning in the process of studying his course "WORKSHOP OF PARTNER SALES". You can easily reimburse the cost of the course by studying the course and earning at the same time by advertising affiliate information products. *

3rd view. Marketing passive income

This type of income is possible if you create a marketing system(s). For example, your website on the Internet or a personal brand that is rented out (rented). One or more options are possible.

Personal branding involves using your name for commercial purposes.

For example, screen and sports stars are often involved in the filming of commercials, thus becoming the "face" of a particular brand or company. For using their name, they receive decent fees.

In this case, the sources of passive income can be:

• own developed network marketing structure;
• commercial structures using your personal brand;
• your website;
• a business that generates profit from the operation of a marketing system (for example, an information business).

All these sources of passive income will provide you with passive income on the Internet without investment.

4th view. Legal passive income

I think there is no special need to dwell on this species. I will only note that these are payments that are due to you “under the Law”. By the way, there are people who rely on this type of passive income. For example, civilians work under contract in military units for a low fee. But then they retire earlier and are guaranteed to receive a “military” pension.

4. Ideas for creating passive income

You have already learned about the types and sources of passive income. It's time to get acquainted with the options for its creation.

I propose to consider the most common and relevant ideas. Perhaps one of them will suit you to ensure a regular cash flow.

1. Information site or blog

If you know how or want to learn how to create and launch websites, know the basic principles of marketing, then you can organize passive income, practically from scratch. It is not for nothing that the organization of passive income using the Internet is becoming more and more popular.

For example, the blog you are currently on also generates passive income.

In addition to the above skills, you will need free time, as well as a desire to learn. You you can make your website even if you don't have special technical skills. Especially for those who decide to make money with their blog or information site, I have prepared a series of articles with step by step instructions, videos and screenshots. In less than a week you will make your site ready for filling. Here is the link .

To organize a passive income using your website, of course, you will need a certain amount of time (from six months to two years). This time will be required for regular work on your project (several hours a day) in order to improve and optimize it.

Do not be mistaken that by creating a site, you have done everything necessary to receive passive income, and now you can “sit back”. Not! To turn the site into a full-fledged "money machine" you will have to work on it for 1-2 years. But you will start receiving the first money within a few months after the start of the project.

After you turn the site into a "money machine", it can be sold (ready-made business!). Moreover, the proceeds from the sale of the amount may exceed the amount of monthly passive income by 20 times.

For example, my colleague bought a 3-year working site for 1,500,000 rubles.

The arithmetic is simple: If your site brings in 10 thousand rubles a month, then you can sell it for 200 thousand rubles. and more expensive.

Therefore, you can make money by creating websites that generate income and organize your business in this way.

Ways to make money on your site:

• placement of contextual advertising;
• placement of paid advertising articles;
• sale of advertising spaces;
• placement of affiliate links;
• sale of own training courses.

2. Intelligent product

Possessing a certain talent, it is possible to create your own intellectual product (book, technology, training video, etc.). This product can become a source of your passive income if you start replicating or renting it out.

Consider an example of passive income, when an intellectual product (a book) made the author a millionaire. Today, perhaps, it is difficult to find a person who does not know the name of JK Rowling. But it was the Harry Potter books that brought her a multi-million dollar fortune.

An invention, a fundamentally new industrial design or technology can also become a source of passive income. They will be your intangible asset.

A product is called an intangible asset. intellectual labor, which, having no material form, is able to generate income. For example, a patent for an invention, trademark or brand.

3. Property rental

Of course, the most common way is to rent out real estate. But let's look at other options for passive income. For example, construction, commercial or industrial equipment and other expensive items. Especially since passive income from real estate is often lower than from equipment.

For example, when purchasing construction equipment and tools, you can rent them out, thus organizing your business. If a drill or hammer drill costs, for example, 20 thousand rubles, then you can rent a tool for 100 - 500 rubles per day. The tool will pay off in a fairly short period of time (less than a month).

4. Securities, pamm-accounts, banks, mutual funds

One common way to create passive income is to invest in financial instruments.

Investing, in a way, can be seen as a business. But to become a professional investor, you must first learn this complex topic. Read more from financial instruments you can find on this useful site Club of private investors "Where to invest money - ways of investing".

Of course, there are advantages to investment (higher compared to bank deposit income), but they also have disadvantages, namely: high risks.

Pamm accounts, mutual funds and securities are not able to provide a stable income (excluding bonds). The risk of losses is great. Learn it!

5. Network Marketing

Network marketing is considered one of the most available ways creating passive income. Perhaps because the first investment usually does not exceed $100.

The condition under which you can organize this kind of passive income can be called sociability. Because in this case, you will need to be able to communicate with people, win them over, ensuring the friendly nature of communication. The main thing is that you do not fall into the financial pyramid!

To protect yourself from this risk, check out this helpful article. "What is a financial pyramid?" .

6. Own business

Organization of an entrepreneurial project, perhaps, The best way creating passive income.

Internet business is suitable for people with any financial situation at the moment. Even if you don't have big enough finances, the network can provide start-up opportunities with little or no investment. Thus, your income will gradually turn from "active" to "passive".

The most difficult step towards your business is the banal adoption of a final and irrevocable decision. It is best to start with a simple business without investments. With organization ideas business without investment for beginners entrepreneurs read . The information in this article will help you organize your business and create passive income from scratch.

Let me give you an example of passive income. I built my vending business - I bought several payment terminals(invested its capital), installed terminals in supermarkets under a lease agreement. The terminals are collected by a third-party organization under a maintenance contract. I receive income that can be called passive, although I participate in it (I make settlements with my counterparties). It takes quite a bit of time for this business - 1-2 days a month.

I highly recommend investing in a vending business, where vending machines work for you, and you receive income. The potential of this business, based on statistics, is huge!

5. Recommendations and tips for gaining financial independence

You have already got acquainted with the concept of "passive income" and learned about its types and methods of organization, about the ideas of passive income. You know enough to get started. Once you make up your mind and start taking action, you will have the opportunity to gain financial independence, leave your “unloved” job, start traveling and doing what you have been dreaming of all your life, such as charity.

1) Take the time to build assets.

Don't limit yourself to income from your main job. Think about what you can do to make it 1 time, get money many times - replicate your efforts!

I hope that you do not aspire to a “beggarly” existence, which, unfortunately, a pension can provide.

2) Strive to organize several sources of passive income.

In this case, you protect yourself from possible risks: the loss of one source can be compensated by another. And at some point you will support.

How important this is, he described very well in his book.

3) Improve your financial literacy

Self-education is the first thing you should do! Invest in yourself! I recommend that you carefully read books that are considered fundamental: Robert Kiyosaki "Rich dad, poor dad" and Bodo Schaeffer "Money or the ABC of Money", - they will help to better understand the principle of the functioning of money and the principle of creating passive income.

Please note that there are no special "secrets". For success, you only need the desire, time and certain knowledge.

Watch this educational cartoon about passive income so that all the puzzles fit into a clear picture and there is confidence to start moving towards creating passive income. You should start with self-education in personal finance. It is also important to pass this knowledge on to your children!

I wish you all confidence and determination!

I managed to create several sources of passive income, so you can too!

Write in the comments which category of people in terms of finances you belong to and did you manage to move to a category closer to the 5th?

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