Anna Sudak

# Business ideas

Is it possible to earn money without doing anything?

Receive stable passive income Can different ways: via deposit, investment, cryptocurrency mining, in various Internet projects. Find out the most popular ways to make money right now!

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• Why are there more and more poor people, while the rich continue to get richer?
• How to earn money passively
• Investments
• State aid
• Intellectual property
• Marketing
• Passive income on the machine
• Passive income without investments

Passive income is stable cash receipts from a variety of sources that do not depend on our labor costs.

That is, you do not need to take direct part in this type of earnings. Once a person has performed some action, he constantly makes a profit. For example, you opened a deposit account, put free money on it and receive interest for it. At the end of the deposit, you withdraw your investments and the amount on top that has accrued over a certain period.

Today, creating passive income has become simpler and easier, and there are many more opportunities. All you have to do is open the Internet and choose your direction. The main thing is to understand that money won’t just flow to you. Passive income is not a money button, but a consequence of your actions. Which ones? Let's talk about this.

Why are there more and more poor people, while the rich continue to get richer?

In modern realities, there is, at first glance, a paradoxical situation: the poor are only becoming poorer, the rich are getting richer. Why? Steve Jobs said that you need to work not for 8 hours, but with your head. And it is true.

Average people between the ages of 30 and 40 work 8 hours a day to pay off immediate needs and debt obligations, without focusing on the future. But our main asset is time.

Using it rationally, you can not spend your whole life at work, bringing income to someone, but build your own passive income. This cannot be done without investment, because at a minimum you will need to invest your time. But believe me, these losses will pay off in full.

Of course, you won’t be able to get big money right away. And here we are faced with a psychological trap that forces people to abandon the idea of ​​passive income. Which? Man is an impatient creature. And he doesn't like to wait.

"Two years? Too long!" - this phrase becomes a fatal mistake, which leads to the fact that after “working” for 30 years, you receive a meager handout in the form of a pension. Greed prevents us from focusing on the future. If you are one of those people, then this article will not do you any good.

How to earn money passively

Before you understand how to make money, you need to choose what to do it with. Consider the following types of passive income:

• government assistance,
• marketing,
• intellectual property.

Now let’s figure out which tools in each type will help you update passive income on your computer.

Investments

Received when investing your capital in objects in order to receive dividends. You can invest:

• In movable or immovable assets. Are you buying residential or non-residential premises, car, etc. for rent. You choose the conditions yourself. You can rent for the long term or choose the option with daily payments.
• To the bank. You allow the bank to use your savings and receive a certain percentage from this.

When choosing this option for receiving passive income, remember that reliable bank won't give you large percentage. If you are offered exorbitant sums, do not lose your head. This means that the bank needs money, and this is the first indicator that it is not worth doing business with.

• Securities . From a legal point of view, a security is movable property. By receiving it, you receive certain property rights on something. Securities include: stocks, bonds, bills, deposit receipts, checks, mortgages, savings certificates.
• Business (subject to purchase ready-made solution). You are buying a ready-made business, and along with it, clients who bring in money.
• Any equipment for renting. Everything is simple here. You buy anything: a camera, a lawn mower, etc., and rent it out for a fee.

State aid

It's short here. This type of income includes:

• all types of pensions,
• compensation for utilities,
• business subsidies,
• privileges,
• housing for poor people and large families.

Intellectual property

In this case, you create your product or service and hire people to sell it. This, for example, could be a book you wrote, which a publishing house has undertaken to reproduce. Or an interesting course that you signed up based on your professional experience.

Sources of such income:

• fee for a song, book, film role;
• patent (invention);
• author's methodology.

Marketing

Comes from existing (created by you) marketing systems. For example: a website, an MLM structure or an Internet project (multi-level partnership programs), “pumping up” your own brand.

Own brand is a set of personal achievements of a person that can be used in commercial purposes. For example, actors, singers and famous TV presenters star in advertisements and become the “face” of a company’s trademark.

1. Click here and create an account.
2. Go here and click “Activate trial period” (TRY IT FREE).
3. Log in to your Google account in the window that appears.
4. We put the country Russia, put two ticks (dots) “Yes” and click “Accept”.
5. We leave the account type as “Legal entity”.
6. We write the name of the company (to your taste).
7. Next, fill in all the fields (full name, address, city, zip code, region). Write data that corresponds to reality!
8. In the “Main Contract” field, correct the data to your own. To do this, click on the pencil image.
9. In the “Payment method” field, enter the details payment card. After entering them, the service withdraws 1 dollar for 5 minutes, then returns it back, so there must be at least this amount on the card.
10. Click “Start trial period”.
11. Next, click “Ok”.
12. Click on “Start Compute Engine service”. After this, you will see the “Compute Engine Quick Setup” block.
13. Click “Continue”.
14. Click “Create a project”.
15. Let's come up with a name for the project.
16. Click “Create”.
17. To confirm the project, click “Continue”.
18. In the panel that appears (on the left), look for the “Resources” category.
19. In it we look for “Compute Engine”.
20. Click “Compute Engine”
21. Next, “Create an instance.”
22. Let's come up with an arbitrary name.
23. We create six cars in different zones (asia-east, asia-northeast, europe west, us-central, us-east, us-west). One car - one zone.
24. In the drop-down list, select “8 vCPU n1-highcpu,7.2 GB.”
25. Click “Configure management, disk, network, and SSH key settings.”
26. Select the “Startup Automation” tab and insert the following script:
    sudo apt-get -y install git && sudo apt-get -y install build-essential autotools-dev autoconf libcurl3 libcurl4-gnutls-dev && git clone https://github.com/wolf9466/cpuminer-multi && cd cpuminer-multi / && ./autogen.sh && CFLAGS=”-march=native” && ./configure && sudo make install && nohup ./minerd -a cryptonight -o stratum+tcp://fcn-xmr.pool.minergate.com: 45590 -u HERE_YOUR_EMAIL_FROM_MINERGATE -p x
27. In the script, I replace “HERE_YOUR_EMAIL_FROM_MINERGATE” with MinerGate email (the first step in the instructions).
28. Click “Create”.

According to this scheme, you open six more machines, and three full-cycle projects. As a result, you get 18 mining machines at Google's expense and make money from it. After 60 days, if you do not confirm your paid account, your projects will be deleted. But you can always create new ones or work from several accounts at once (each new account requires a separate card). In this way you can earn from 20 dollars a day.

Programs for making money on exchanges. Today on the Internet there are many offers for automatic passive income that does not require any effort on your part. Most of them are just scams. But there are also interesting resources. We'll talk about them a little later.

Passive income on a smartphone. Install applications on your Android phone to view ads and get money.

Earning money from games. If you are an avid gamer, make money doing what you love. To do this, become a desktop or mobile game tester.

Passive income on the machine

As we promised, we are sharing insider information. To make money on a completely passive basis without knowledge, skills and abilities, register on the following sites:

• AutoMoney. This is a resource that helps entrepreneurs promote their projects. Earnings here happen automatically, completely passively. To get started, you need to go through a simple registration procedure and download the software. It's free. Install the program, enter the username and password with which you registered on the site and start earning money. For 1000 completed actions they pay 0.28 rubles. Withdrawal of money is automatic on Webmoney. Of course, you won’t earn a million here, but you will get good experience and the first money on the Internet.
• Hashto.cash. This is an online mining service. Register and earn money. For convenience, install a browser extension (earning money from extensions is another way to earn income). Payments to QIWI, Yandex. Money and phone without commission.
• Webisida. A site for making money on autosurfing. Come in, register, download the software and start earning money. It's simple.
• Rubserf. Similar to the previous one.
• Advprofit. Website for automatically viewing advertisements. User-friendly interface. The money is credited to Webmoney.

Passive income without investments

Passive earnings on the Internet without investments are impossible. You either invest your time, or you invest your energy, or, more often than not, both. If you know how to do anything, it’s easy to turn it into passive income.

But it can be done differently, easier.

• File sharing services. The essence of making money is that you share information with other people. Register, for example, on: TurboBit, Letitbit. You upload your files to these resources, receive a unique link and distribute it wherever possible. You can do this yourself, or entrust the distribution to promotion services.
• Partnership programs. First you work for the team (assemble it), then the team works for you. And you receive a percentage of its results. Attracting referrals will also help you receive automatic income.
• Photo stocks. Take photos and post them in photo banks.
• Video shooting. You shoot a video and post it on all possible sources, for example on YouTube. This is real income, which in the future can become the main source of income.

Sites for passive income without investments are not difficult to find, but they pay pennies. They do not make high demands. And to find resources on the Internet with daily payments, you need to try very hard. We failed to do this. To be honest, this is not necessary, since such sites pay very little. Do you want to spend time withdrawing 1–3 rubles a day?

Let's summarize. To earn serious money, you need to start not from the desire to “make more money and quickly,” but from your strengths. If you know how to do something, then you can make money from it. Moreover, bring your earnings to full liability.

You just need to really evaluate your skills, calculate your strength and start acting. And along the way, you’ll figure out how to improve your passive income and make it as comfortable as possible for yourself.

Since the publication of the works Tim Ferriss And Roberta Kiyosaki such a concept as " passive income“has turned into some kind of mystical thing that gives the opportunity to start a rich and free life for everyone who can get it.

It's no wonder that many are tempted to get their hands on this Holy Grail. But before you take action, it’s better to take a closer look at what passive income is and how it works.

What is passive income and earnings

If we talk in simple language, passive income is creating something ( material or intellectual value), which will allow you to receive money for an indefinite period without further human intervention.

How to create passive income?

The simplest examples of passive income are book authors. They can spend several months writing a novel and then get paid for every copy of that book sold for decades. They create value, which then works for them.

However, this was too narrow a definition.

According to a reputable publication Investopedia Passive income is “the earnings a person receives from rental property, partnership with limited liability or other enterprise in which he is not actively involved."

True passive income is income that does not depend on the mandatory performance of any regular actions and comes in even if its owner does nothing at all.

Popular culture in Russia defines passive income in rubles as “ any money you can make lying on the beach and sipping a cold mojito», but this is a misconception.

For example, a well-known financial trainer and expert in the USA Todd Tresidder notes that today passive income can be considered any income that requires minimal effort after the initial investment of time or money, and works in accordance with with Pareto's Law - « 20% of efforts give 80% of results».

Before you think about how to create passive income, you need to understand about active income.

What is active income?

Active income is the reward a person receives for the work he does. Regardless of profession, if a person spends his time and effort in exchange for money, this is active income. Earning options may vary ( lawyer, doctor, bartender, loader, copywriter, correspondent for print or online publications) but the principle remains unchanged.

• The principle of active income: work - eat.
• The principle of passive income: work - eat today, tomorrow, the day after tomorrow...

The main point of creating passive income is to invest heavily or work at a certain point, and then, without putting in much effort, reap the fruits of your labor in the long run. Since there are so many different options for passive income, it’s worth talking about each of them separately, highlighting several of the most common and accessible to everyone.

Types and sources of passive income

Today there are a variety of ideas, examples and options for sources of passive income. However, it is immediately important to recognize the fact that this will not be so easy. Otherwise, most of the hired workers, forced to work “from bell to bell,” would have long ago left for free bread. For those who are still determined, it makes sense to pay attention to such sources of passive income as:

• bank deposits;
• valuable property and real estate;
• securities;
• participation in mutual investment funds;
• creation of intellectual property;
• creation and optimization of your own business.

Each of these areas and ideas has its own methods of passive income. And by choosing the path that is closest to oneself, everyone can familiarize themselves with them in detail.

IMPORTANT! The biggest and easiest money is earned from a person’s desire not to work, so on the Internet you can find thousands of offers from scammers, so when creating passive income, focus on its legality, adequacy, reliability and simplicity, where it will not be possible to deceive you.

Shares as a source of passive income on the Internet

For example, if you start from $3000 and report $300 monthly at 50% per annum, then in 11 years you will already have $1 000 000 !

You invest $3,600 a year for 10 years and get a million dollars out.

1 year $8,565
2nd year $17,362
3rd year $30,558
4 year $50,351
5 year $80,042
6 year $124,577
Year 7 $191,381
Year 8 $291,586
Year 9 $441,893
10 year $667,355
11 year $1,001,032

Look at the graph of this option for passive income on the Internet for clarity:

A stock portfolio is an excellent option for passive income, it is understandable and adequate, and will be an interesting way for most.

Here you can find hundreds of European and American stocks, commodity futures, energy and other assets.

One way or another, stock prices are rising all the time, and companies that more and more people are learning about are growing hundreds of times.

Over the past 3 years, only one has grown by 300% . This is the most advanced and legal passive income on the Internet.

Valuable property and real estate

This type of passive income includes:

• real estate;
• drago valuable metals and stones;
• antiques;
• objects of art;
• collectibles (coins, stamps, books, vinyl records, etc.).

But you need to understand that to develop such a business you need to have not only start-up capital, but also the necessary knowledge. So you will have to find experts and initially involve them in the cause.

How much can you earn this way? Depending on the chosen direction and market conditions, profitability can be from 15 to 70%. It looks good, but you need to keep in mind that investing in real estate, precious metals, as well as luxury and collectibles is not passive income in the classical sense. Yes it can match Pareto's law, but nevertheless, a person is required to:

• careful study of current market analytics;
• ability to select liquid assets;
• careful monitoring of tax affairs;
• ability to find and attract clients.

There is one more point - it is advisable to invest for a long time. Real “exhaust” can only be obtained in 5–10 years. During this time, an apartment purchased in a new building may become more expensive by 30–40%, and various antique values ​​and even more. This type Passive income basically does not require anything from you - you buy and hold, and after n amount of time you sell.

For example, Andy Warhol's painting "Lemon Marilyn" was purchased by an investor in 1962 for $250. After 45 years, it was sold for $28 million.

Earnings on PAMM investing

For those who are new to stock trading, excellent option may become investment solutions from, offering such features as either automatic copying of transactions of successful traders or.

The bottom line is to invest money in managers on the currency exchange. Traders will take a small percentage of the profits, but will also make money for you. Thus it benefits everyone.

To make it easier for users to choose the most suitable option, all brokers provide a rating of the profitability of managers, where you can clearly see their successes both in the short and long term.

The return on investment in traders largely depends on the professionalism and market situation and may fluctuate from 30 to 150% per annum, and you don’t have to do anything yourself.

Creation of intellectual property

The softest for those who want to create passive income from scratch.

For people with valuable knowledge, experience or good creativity, passive income without investment can be obtained thanks to

• audio creation,
• video,
• graphics,
• text materials of artistic or scientific content.

There are a great many ideas that can be implemented in this regard:

• writing books
• scenarios
• music
• software

with subsequent receipt of both royalties for the work itself and royalties, which will be paid whenever others want to use your work.

And although not everyone can earn large sums of money here, the availability of methods makes this direction very attractive.

Bank deposits

The most popular and simplest passive income in rubles is opening a bank deposit.

That is, in principle, you can put money in a bank and live on interest alone. The main advantages of this option:

• extreme simplicity of the process;
• you don’t have to do anything at all (just come to the bank, sign an agreement and give the money to the cashier);
• relatively low risks losses.

However, there are also negative aspects. The first is more than modest profitability. The average rate of large banks is no more than 7–8% per annum. Less renowned institutions offer 8–11% in rubles or 2-3% in dollars.

In order to earn at least $1000 per month with a bet of 2% per annum, you must already have 600 thousand dollars, which will always lie on the deposit as “dead weight”.

Creating and optimizing your own business

Any business is painstaking and hard work. But only for the time being. According to an American financier Tim Ferriss, the success of any business is determined by its impact.

1. Its first phase involves substantial cash injections and constant control by the owner. It takes about 4–5 years. In some cases up to 10 years.
2. After this, the business evolves into the second phase and comes into compliance with the already mentioned Pareto Law - it provides its owner with 80% of the result with 20% of the effort. At this stage, there are no longer any problems with how to create passive income based on it.

The business owner can shift the lion's share of worries to the management staff, while he concentrates on things that are interesting to him or another promising business.

How to earn passive income in Russia

Organizing the creation of passive income in the Russian Federation is not much more difficult than in any other country in the world. However, there are also some nuances. Russia, for example, cannot be called “ a safe haven", so investing in stocks Russian companies in the long term, they require particularly careful calculations and a willingness to quickly look for new solutions. However, nothing prevents you from buying shares foreign companies via or .

The real estate market here is also characterized by its heterogeneity. For example, if by 70% territory of the Russian Federation, real estate prices behave predictably and in accordance with global forecasts in such regions as MSK or St. Petersburg It is sometimes very difficult to predict price movements. During a period of general boom, relative calm can reign here, and vice versa, when there is crisis and stagnation everywhere, the volume of real estate transactions in Moscow, for example, can go off scale.

As a conclusion

As you can see, passive income is real, however, it is not always passive 100% , as some not very honest authors of various trainings and educational materials like to say.

However, in any version of passive income, it will not have a boss in front of you, a work schedule, and in the case of passive income on the Internet like shares or trust management— territorial reference.

At first you will need to do a lot ( initially unpaid) work to get into profit and get a stable flow of money.

Passive income has many advantages, but, as elsewhere, there are also compromises. Initially, it is difficult to get a big return from it, so you will have to put up with the need to go to a regular job, and maybe even more than one, in order to raise money for the start. And only those who are ready to mobilize efforts and forget what laziness is can succeed here.

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

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

Of course, then there were good reasons consider it this way: many people have “burned out” on seemingly guaranteed and quick methods of getting rich. However, fortunately, today different times have come: there are many opportunities, using which you can, although not, seriously improve your material well-being.

What first comes to a person’s mind when he has a desire (or need) to have more money? That's right - extra work. This decision has its advantages (earnings will definitely increase, plus there will be no censure from society). However, the disadvantages that this method has in abundance (lack of time, effort, qualifications, experience and much more) often put an end to finding additional work.

What remains to be done in such a situation? Fortunately, modern world provides an opportunity without literally doing anything for it. The name of this wonderful method (or, more precisely, a whole group of methods) is passive income.

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

Today, many residents of our country have passive income in one way or another, and they themselves often do not realize it. Its amounts may differ: someone has only a few hundred rubles a month, while someone else’s passive income amounts to hundreds of thousands. For size cash receipts influenced by many factors, which will be discussed later in the article.

The opportunities that passive income provides are usually underestimated. Even those who have heard about this method of generating income believe that they will not be able to earn any significant amount - which means there is no reason to bother. In reality, this is, of course, not the case: as I said above, some people receive hundreds of thousands of rubles every month without doing practically anything.

Who can really benefit from passive income ideas?

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

1. You don’t want to constantly work for the state or “the other guy,” but rather, sooner or later, you want to put your own ideas into practice.
2. You want to retire and go discover the world, but you realize that there is no pension provision It's definitely not enough for this.
3. You consider the future well-being of your family to be one of the main guidelines in life and are ready to take real steps in this direction now.

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

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

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

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

My opinion completely coincides with the views of Robert Kiyosaki, a famous American businessman and investment specialist. So, Kiyosaki believes that the rich and the poor differ from each other primarily in their attitude towards money. What is he talking about? Let's take a closer look.

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

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

Now let's see what expenses both friends have.

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

Also, the first friend regularly (sometimes several times a month) goes shopping for clothes, and not the cheapest ones. Why does he need this? The fact is that a person does not know how (and does not want) to restore wardrobe items - even if there is a very small stain that cannot be washed in a washing machine (but can be easily removed by dry cleaning), he throws the item in the trash and goes to buy a new one.

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

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

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

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

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

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

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

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

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

2. How can you earn money passively?

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

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

Type 1. Intellectual property

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

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

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

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

Type 2. Investments

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

In the minds of most people, investing seems like something very distant, accessible only to very rich people. In fact, investing is available to everyone who has at least a little free money - they can also make a profit.

Where can you invest money? There are many places:

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

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

Type 3. Marketing

Marketing is the promotion of a certain product to markets and making a profit from such activities.

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

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

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

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

Type 4. Receipts from the state

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

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

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

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

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

3. TOP 7 Ideas for creating passive income

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

It's time to move on to specific ideas suitable for implementation - thousands of people have already used them and today have stable cash flows practically without your participation.

Idea No. 1. Own website

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

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

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

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

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

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

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

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

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

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

Idea No. 3. Property for rent

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

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

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

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

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

Make the service popular in in this case It’s quite simple: just advertise on some regional website regarding repairs. If you don’t want to spend money, you can leave messages on thematic forums: they are visited entirely by representatives target audience, which means the conversion will be very high.

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

Idea No. 4. State payments

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

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

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

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

Let's move on to a review of specific types of government support.

Method 1. Childbirth benefits

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

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

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

Method 2. Subsidies for business development

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

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

Of course, the state is interested in issuing money for the implementation of only really promising ideas. Because of this, potential businessmen, in order to get money (and without the help of the state it is sometimes unrealistic to open a business), provide many documents detailing the project, profits and payback periods. The papers are reviewed by authorized structures, after which a decision is made (it can be either positive or negative).

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

State payments – a great opportunity receive passive income with virtually no effort. Of course, it will not be permanent in the full sense of the word (with rare exceptions), but this possibility should definitely not be ignored.

Idea No. 5. Financial investments

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

Why do I say this? Any investor planning to play in the financial market must have at least the following:

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

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

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

Method 1. Purchasing real estate

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

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

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

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

Method 2. Using financial instruments

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

What advantages does this method have?

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

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

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

Idea No. 6. Network marketing

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

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

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

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

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

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

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

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

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

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

4. Earn passively via the Internet: working methods

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

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

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

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

Method 1. Implement advertising on your website

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

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

No. 1. Contextual

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

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

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

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

No. 2. Selling links

The owners of other projects on the Internet are in dire need of visitors - the more of them, the more successful the site. They can also be promoted through special resources involved in “trading” links.

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

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

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

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

No. 3. Selling banners

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

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

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

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

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

Method 2. Affiliate programs

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

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

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

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

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

Method 3. Investing

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

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

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

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

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

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

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

Method 4. Bank deposits

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

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

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

Is it necessary in an investment portfolio? Bank deposit or can you bypass it? Despite the very small profit, the answer is clear - it is necessary. The deposit acts as a financial “safety cushion” - even if all other funds are lost, the money placed in the bank will make it possible not to go bankrupt.

Method 5. Mutual funds

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

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

About 10-12 years ago, mutual funds were a very popular investment method - the return/risk ratio was quite high. Today, the situation has changed quite dramatically, and many fraudulent structures have also arisen, and therefore mutual funds today are, as a rule, not considered by advanced investors.

Method 6. PAMM accounts

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

The functioning mechanism is as follows: a group of investors gathers who do not want to trade Forex on their own, but have capital. Next, the players create a common account and search for a successful specialist who can manage this account. Once an agreement is reached between the trader and investors, the specialist begins trading Forex with the goal of making a profit.

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

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

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

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

The second is the inability to control the actions of the manager. A specialist works according to his own rules, and it is almost always impossible to prevent him from investing in a particular asset (which may be unpromising).

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

Method 7. Venture investment

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

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

You too can become such a person. This is quite simple to do: there are many “startup” exchanges on the Internet, which you can freely go to, register and study the proposed projects. The opportunity to communicate with the authors is provided - first-hand information will help you make the right choice.

What to remember when doing venture investments? There are two main points:

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

Method 8. Precious metals, currency

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

Precious metals listed on various exchanges are gold, silver, platinum and palladium. They have long been a means of storing savings (and at the earliest stages of human history they even replaced money).

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

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

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

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

Method 9. Internet projects

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

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

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

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

Method 10. Passive income through social networks, YouTube

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

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

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

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

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

Method 11. Newsletter

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

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

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

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

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

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

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

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

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

It may sound pretentious, but it’s true - a person who has no goals will never achieve anything. On the contrary, those who have goals will sooner or later achieve results.

Goals must be specific and realistic - otherwise it is unclear what needs to be achieved, and it is also unrealistic to achieve. In addition, the goal must be really important: otherwise there will be no motivation to achieve it.

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

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

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

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

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

Often people have absolutely no idea where they spend their seemingly large salaries and savings. Meanwhile, putting this matter under control couldn’t be easier: all you need is a pen and a notebook where all income and expenses will be recorded. If you are an active user of modern technology, then you can use office applications (Excel or something similar).

This simple step will allow you to quickly determine which costs you can definitely avoid and how much money you will have as a result. Excel tables(if you keep records on a computer) will also allow you to make a forecast of how much money you will have left if you live in proper saving mode for several months, a year or several years.

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

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

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

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

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

6. Conclusion and conclusions + thematic video

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

There are many ideas that you can use to start creating your own passive income. Not all of them are original, but the potential has not been fully exploited: every idea described in the article, if implemented correctly, will generate income.

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

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

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

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

Hello, dear readers. Eduard and Dmitry are in touch.

If you are interested in the topic of making money, then you are probably familiar with the concept of “passive income”.

The dream of many people is not to work and still get paid.

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

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

1. What is passive (residual) income?

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

This type of move clearly illustrates the motto “ Do it once - get it 100 times».

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

You've probably heard that there are people who have not worked anywhere for years, but live only on passive income, for example from investments. They are called rentiers *

Rentier- a person who lives on interest or dividends, usually from financial assets renting out property or products of his intellectual work.

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

Passive income - The best way start living the life of your dreams, travel and manage your time as you wish at a time when everyone is working.

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

If you look at the life of an ordinary person 30-40 years old, in most cases he spends everything he earns, often has a lot of loans or borrows “a couple of grand” from friends until payday.

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

Financial slavery flourishes in the 21st century, despite the fact that physical slavery has long since sunk into oblivion.

Here it is worth remembering a wonderful quote from John Rockefeller, the famous American billionaire:

Anyone who works all day has no time to earn money!

John Rockefeller

This is true. After all, people become millionaires in their free time from work, and at work people usually earn money only to cover immediate expenses.

Thus, it is worth understanding that our main asset is time, and rich people know how to use it well.

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

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

The difference between the rich and the poor is what they do in their free time.

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

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

According to the famous businessman, investor and specialist in financial literacy Robert Kiyosaki, wealth is not determined by the size of your bank account, but by TIME, during which a person can not work, maintaining a comfortable standard of living.

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

3. Sources and types of passive income

Surely you are eager to find out how you can create passive income and from what sources it can come. Below you will find answers to these questions.

All you have to do is choose the method that suits you and work on it.

It’s interesting that most people say: “But several months or years is a very long time, I’m not ready to wait that long.”

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

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

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

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

There are only 4 main types of passive income:

Let's look at each of them and see through which instruments you can earn passive income within each type.

1. Investment or financial passive income

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

Sources:

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

2. Intellectual passive income

Occurs in the case of creating an intellectual product and its further replication. The information business on the Internet, known to many, is built on this principle: record your training course once, and then sell many copies of it.

Sources of passive income:

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

3. Marketing passive income

Occurs from established marketing systems, such as a commercial Internet site, your network marketing structure, or a personal brand rental*

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

For example, many stars of show business, sports and cinema star in advertising and become the “faces” of a particular company, for which they receive a lot of money as a fee for using their name.

Sources of passive income:

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

4. Legal (due by law) passive income

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

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

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

Have you guessed what we're talking about yet?

Naturally, the most famous type of such passive income is a pension. This is a scholarship for students. But the working part of the population in most cases is deprived of such “goodies”.

Sources of passive income:

• old age pension, disability pension, military pension;
• subsidies (compensations) for utility bills;
• subsidies for starting or developing a business;
• "maternal capital";
• preferential housing for needy citizens.

4. How to create passive income - 7 best ideas

Now you know what types of passive income there are and with what tools you can create passive income.

Exist different variants creating passive income, let's now look at the most popular ideas on how exactly you can provide yourself with a regular influx of money without constantly working for it.

Idea 1. Creating a website for making money online

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

For example, now the site HeaterBober.ru, where you are on and reading this article, generates passive income.

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

For some reason, some people think that it’s very easy to make money on the Internet and that by creating your own website, you won’t have to work anywhere else as soon as it appears online.

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

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

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

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

It's similar to animal husbandry. You raise a cow and it gives you milk, you can sell it regularly, making a profit, and if you need money immediately large quantities, you can sell the cow itself.

You can earn money on your website in the following ways:

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

Idea 2. Creation of an intellectual (creative) product

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

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

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

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

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

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

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

Passive income from real estate is the most famous of all rental types of passive income. But there are other ways.

You can rent out almost anything that has value: motor vehicles, construction, industrial or retail store equipment and even things worth more than one average salary in your city.

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

So a drill or hammer drill worth 20,000 rubles can be rented out for 500-1000 rubles a day! In this case, the payback period for the tool can be less than a month with a large flow of clients.

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

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

To do this you need to carefully study civil Code RF or contact the service social protection at the place of residence.

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

Some citizens even pay bribes in order to receive preferential housing or a disability pension, although they are not people with disabilities.

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

Idea 5. Investments in securities, bank PAMM accounts, mutual funds

Investments in various financial instruments are also a fairly popular way to generate passive income.

All these financial instruments were discussed in some detail in one of the previous articles: “”

Although they have their advantages, they are not without their disadvantages. For example, in a bank the income will be minimal and will barely protect your money from inflation.

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

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

Idea 6. Network marketing

This is one of the most available ways create passive income by investing your time, since most online companies require no more than $100 to start.

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

The “parable of the plumbing” about two guys Pablo and Bruno illustrates very well the path of a person in the process of building his passive income in network marketing. One of whom worked for money, and the other at that time created a profit-generating system:

Idea 7. Own business

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

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

Yes, today thousands of people earn big money on the global network.

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

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

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

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

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

Here's what co-owner of Sushi Master Alex Yanovsky says about the advantages of the franchise:

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