Left income 5. Additional income. We earn on clicks

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

Where can you invest your money to get a permanent monthly income?

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

Dignity. Higher profitability. Clearly predicted and fixed income. High (you can instantly sell bonds without losing the accrued profit).

Disadvantages. The probability of bankruptcy of the issuer of the bond. For blue chips, this probability is low. For OFZ (federal loan bonds) and municipal bonds - it is practically zero. Usually (although very rarely) so-called third-tier companies (junk bonds) go bankrupt. Avoid buying them and you will be fine.

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

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

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

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

Disadvantages. Uneven payment of dividends. The lion's share of payments occurs in the second quarter. Some companies pay dividends twice a year. High volatility in the stock market. Purchased shares can drop significantly in value. But if you are aiming (for several years), then this will give you the opportunity to purchase an additional block of shares at bargain prices.

Finally

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

How to Create Passive Income - 14 Working Ways + 12 Tips for Beginning Businessmen.

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

Features of creating passive income and its difference from active

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

The money is credited to the account by itself.

Of course, in order to ensure the receipt of profits in your account, you will have to make efforts, but they pay off and bring money in the future.

Active income, on the other hand, requires constant work, visiting the workplace and fulfilling one's duties.

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

The receipts will occur over a period of time.

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

Many people talk about this in their books and interviews.

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

How to Create Passive Income: 14 Best Ideas

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

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

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

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

On this you can not only earn passively, but also build a highly profitable business.

An alternative to the site is to maintain a VKontakte group.

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

And if there are five such groups?

Selling your own seminars and training courses.

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

The hardest part is the set of listeners.

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

Write a book.

The income from the work of "royalties" goes to the author until the book is withdrawn from sale.

Create an intelligent product.

For example, a computer program.

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

Or a car.

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

Salon, hairdressing place for rent.

Government payments.
They can be received by people with disabilities, families with many children, or people who have retired by age.
Bank deposit.
Investing money in a bank for a deposit is not a great passive income, but for the most part allows you to save money.
However, nevertheless, with a large amount it is quite possible to receive not at all extra 3-10 thousand per month.
Sale of securities and mutual funds.
Not a bad option for a long-term capital investment in order to make a profit.
However, it needs to be approached very carefully.
Gather all the information on the organization in which you are investing your money.
The income from shares only becomes large after about 7 years have passed since their acquisition.
Own business.
A very good option for earning passive income, however, it requires a lot of effort and time before it starts making a profit.
Venture investments and profits.
To receive venture capital payments, you need to invest in a newly opened company.
After a few years, you can start receiving a very substantial amount, depending on the amount of the contribution.
Investing money in investment and trust organizations.
Profit is generated through capital redistribution.
However, in this case, there is a high risk of losing your investment.
Purchase of housing under construction and its sale after construction.
An advantageous option if you have funds to buy one or more apartments under construction.
You buy it for 500,000 rubles, and sell it for 1,000,000.
However, most likely, you will have to make repairs, at least cosmetic.
When choosing a developer, you should be extremely careful.
Buy housing only from reliable, well-known developers who have been working in the housing market for several years.

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

You should think carefully about your actions, evaluate your starting capital, and decide which is best.

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

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

12 tips for budding businessmen to create passive income

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

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

Look for new assets that will later turn into liabilities.

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

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

Lead the life rich people lead.

Before, or investing money, explore all the options, do not invest money at random.

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

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

Consider the risks of losing your money invested.

If the risks are minimal, take risks.

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

Think about your future every day.

Decide what you want to achieve.

Open your website on the Internet and develop it.

With a lack of capital, the site can be sold for a good amount of money.

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

Don't try everything at once.

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

If you get overwhelmed by several projects at once, you can get confused and lose investments.

How to Create Passive Income Online?

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

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

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

Choose the job that works best for you.

This can be website development, group administration in social networks, copywriting, Forex trading.

To start trading on the Forex exchange, you need to go through a month of training and conclude several test trades.

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

Robert Kiyosaki explains how to create passive income in the video:

How to create passive income and find financial freedom?

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

We have selected the best ideas:

In order not to remain poor all your life, take the time to create passive income, even working in your main job.

In a month or a year, these efforts will pay off with interest.

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

When you get profit, invest it again.

Develop.

Financial literacy is a must for anyone looking to get rich.

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

People who think about how to create passive incomeare already one step above the rest.

Move forward, apply the guidelines described by us and become a millionaire.

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How to work with a cash register: instructions + innovations

Many people want stable jobs and decent wages. And that's okay. But the world is so arranged that there is not enough for everyone. And people begin to leverage, that is, to receive side income from their position. Most just take bribes and. It's boring, untechnological, and only requires common sense. Therefore, it is not interesting to write about it.

And we will talk about the technological methods of the leftist. Which require special knowledge or coordination of actions of several people. Let's leave the moral side of the issue aside, God will judge them. And during my work at various enterprises from chemistry to metallurgy, I have accumulated an interesting collection of technological methods on which people made money.

A dairy plant where butter, sour cream and cottage cheese are made. Milk is brought in cisterns from the surrounding farms. After checking the quality, the milk falls into a single container. As you know, the most valuable thing in milk is fat and protein. Sour cream and butter are made from fat, and cottage cheese is made from protein. The most valuable component of milk is fat, so the fatter the milk, the more expensive it is. And the percentage of fat is determined in the laboratory upon acceptance. The measuring instruments have an error. What does a laboratory assistant do? He overestimates the fat content of milk in some and underestimates it in others. The first ones have a profit, which they share with a laboratory assistant.

Acceptors of oil products act in the same way. Counters are configured in liters, and documents are in kilograms. Therefore, one is joined to the other through density. The receiver looks at the standard density tables and calculates the mass of oil products based on the temperature outside the window. It is clear that an error of half a degree on several cars gives a tangible difference in money. Obviously, during shipment, you can "err" in the other direction. They are wrong. They underestimate the weight of their cars, and overestimate the rest. As a result, the surplus of petroleum products goes to "their" cars and is sold. And the top managers of the tank farm do not even think.

This scheme, using the error of devices, also works in metallurgy. Let's take a scheme for processing non-ferrous metal waste. Waste is divided into classes, depending on the content of chemically pure metal. And they are not homogeneous like gasoline or milk. The receiver can take for analysis "that" piece of metal, or maybe "this". And experienced people know which piece to take. As a result, the difference in metal composition can reach 10-15%. Usually the receiver is in a share or on the content of one of the donors of waste.

All of these methods can be classified as using the natural error of the measuring instruments. If anyone has not yet understood what is manufacturability, I explain. The material balance will always converge, that is, according to documents, nothing is lost from anyone. This means that there is no violation of the law either. Sleight of hand and no fraud!

Police officers love to complain about modest wages. Indeed, the amount that a law enforcement officer receives monthly for his hard work on the verge of risk only slightly exceeds the subsistence level. For an outside observer, it remains a mystery why the guardians of the law do not flee the authorities and how they manage to flaunt in good-quality suits, drive good cars, use cool mobile phones and relax in fashionable resorts.

How do the militiamen who work “on the ground” live today? in local police departments? The general public becomes aware of the “left” sources of income only occasionally, when the next presumptuous police chief is caught by the own security service. But most bribe-takers in uniform feel calm.

We will try to uncover some secrets of the long police ruble with the help of experienced employees who have served in the authorities for more than a dozen years.

For 9 months of 2002, at the filing of the Internal Security Department of the Main Internal Affairs Directorate of Moscow, 137 criminal cases were initiated against the guardians of the law. According to them, 97 police officers (3 - leading) were brought to criminal responsibility. 21 employees were dismissed from the authorities for compromising circumstances.

Head of the Department of Internal Affairs

The average chief of the Department of Internal Affairs (major or lieutenant colonel) is from 35 to 45 years old. These people, as a rule, go through all stages of the service, starting from the position of a patrol-guard, and know the hardships of police life firsthand. The head of the Department of Internal Affairs, together with allowances, receives up to 8 thousand rubles a month. (It should be clarified that the net police income consists of salary, additional payments for length of service, rank, special working conditions, from rations and allowances from the mayor. We give average data.)

It is clear that with this money it is difficult to feed and dress a family and look worthy yourself. But if desired, the dodgy police chief can raise his own salary.

Markets are a good help. There is always something to complain about. In the capital's bazaars, sellers work without registration, medical books and trade documents. Here the market administrators unbuckle the head of the police department up to $ 1,000 a month so that the police officers do not interfere with constant checks.

Firms that use illegal immigrants also pay for a quiet life. Owners of construction companies, car services, bakeries and other offices count from $ 500 to $ 1000 per month each (the number of zeros depends on the steepness of the enterprise).

Administrators of restaurants and cafes pay the same amounts to the patron in order to avoid unplanned checks. By the way, almost any policeman - from the chief to the guard - at any time can go to the "sponsored" institution and have a snack for free. The more stars on the shoulder straps, the higher the level of the catering point. Arrivals to the department of inspectors from the management usually end with a free trip to the restaurant.

A smart boss never advertises his wealth. He dresses discreetly, takes his wife to Russian resorts, and drives Zhiguli, although he prefers new cars. He doesn't need to glow. Firstly, the Internal Security Directorate is not asleep, and secondly, it is inconvenient to show off in front of the personnel.

The degree of risk of being caught at the head of the police department is minimal. On a 10-point scale, it can be estimated at 2 points.

Firstly, he has high patrons, and secondly, there is no need for his immediate leadership to once again dishonor the honor of the uniform. Most of the chiefs of the internal affairs bodies peacefully live up to retirement and go to the heads of the security services of large companies, since they have enough friends among businessmen. Well, if a scandal suddenly breaks out, they will be carefully dismissed on a pension. Something out of the ordinary must happen to prosecute. In the modern history of the Moscow police, only a few sad examples are known. The head of the 5th “Arbat” police station Mikhalev and the chief of the “Tsaritsyno” police station Alekseev were jailed for large bribes. And the head of the Krylatskoye OVD, Batyuk, was brought to trial for falsifying crime figures.

Deputy for Criminal Police

The deputy chief of the Department of Internal Affairs for the service of the criminal police (SCM) prefers a Zhiguli of the eighth model or a medium-sized foreign car, more often a BMW. One does not earn his rank (from captain to lieutenant colonel) at the table. These people are fans of the profession, often risking themselves. For example, on the first day of the hostage-taking in "Nord-Ost" Oleg Kovtun, deputy chief of the Khoroshevsky police department of internal affairs, was shot and killed. He could sit quietly in his office, but went to patrol the territory personally.

Not surprisingly, most "major operas" are drinkers with mistresses. The official salary of 7 thousand rubles is not enough for such a dashing life. Therefore, deputies for SCM are spinning as they can. The main article of their income is bribes for not initiating criminal cases, or even for the collapse of such. Evasion of criminal responsibility costs their "sponsored" $ 500 and more.

Owners of firms, which are “supervised” by the head of the Department of Internal Affairs, also turn to the deputy for SCM for help. True, unlike the chief, his deputy protects businessmen not from the police themselves, but from bandits and competitors. If the lads run into a car service that “protects” the territorial police department, the firm informs the deputy on the SCM about this, and the opera is sent “to the showdown”. Such "physical protection" costs businessmen from $ 100 a month.

The deputy for SCM levies tribute and brothels. If the police really wanted this, then all brothels would disappear in the capital overnight. However, mothers and pimps pay a deputy on SCM from $ 500 a month and live in peace. Occasionally the police cover the brothels with fanfare - for a report. But the networks of operatives are mostly confused, who get off with a slight fright in the form of a fine.

A significant part of the income of the deputy for SCM receives from illegal call points, which are arranged in Moscow apartments by visitors from China and Vietnam. For their "telephone right", the underground workers pay the police chief from $ 1,000 a month.

Another help is the numerous scams that thrive in crowded places. A “win-win lottery” or “charity event” would not have lasted even a few minutes without police cover. Such scammers who feed the guards of law and order are called "machines" in the police environment - for their stability and connection to the terrain. But as soon as the "machine" takes a walk or gets drunk "at work" - he will be kicked out by his own people, and he will become a "partisan" - working without cover. The “partisans” generally go to jail. "Machine tools" are still flourishing.

The degree of risk is 3 points. At the top, they would rather prefer to hush up the matter so as not to take the litter out of the hut, and they will take into account the undoubted merits of the fined. Unless a major scandal breaks out ... It happened, for example, with acting. the head of the Yaroslavsky Department of Internal Affairs, Ivanov, who was involved in the story of the theft of a unique viola (now he is under investigation). And the deputy for SKM of the Krylatskoye OVD Skuba went to the dock with a “steam locomotive” - along with his boss.

Deputy for Public Safety

The deputy chief of the public security police (MOB) with the rank from captain to lieutenant colonel signs in the statement for 4.5-5.5 thousand rubles a month. The leaders of this link prefer large-sized cars (from the latest Zhiguli models to jeeps), since people themselves are usually plump and solid. Former district police officers who have earned this chair by the hard work of the district police often get the post of deputy in the MOB. They value family well-being, as a rule, they live in perfect harmony with their spouse and idolize children.

The sources of income for the deputy under the MOB are described in detail in the Code of Administrative Offenses. The amounts of fines for the offenses listed in it range from one to 5,000 minimum wages. A district inspector, checking a company on his territory, will surely detect non-compliance with fire safety standards, unsanitary conditions, illegal trade, and lack of registration among employees. And then he will draw up a protocol, which will be considered by his chief - the deputy for the MOB. And he will take advantage of the fact that the amount of the fine for a specific offense is not clearly defined. For example, he orders to pay 10 minimum wages, he will indicate 5 in the protocol, and he will take the difference for himself. Or even hide the paper in the table, and then send it to the “prosecutor Korzinkin” (as the police call a trash can among themselves). Business owners prefer to “spice up” a deputy to avoid frequent checks.

The deputies for the Ministry of Defense also warm their hands on the collapse of cases that are in the competence of the bodies of inquiry. For example, a person who commits a petty theft from a store can avoid criminal liability by paying $ 500.

If desired, district and patrol guards would have had an hour to remove from their territory all visitors without registration and illegal traders. But these people feed the law enforcement officers better than the state with its miserable salary. And when the peddlers who flooded the approaches to the metro suddenly disappear as if by magic, it means that an inspector has arrived at the local police station.

Small traders daily throw off 50 rubles from the nose and transfer the money to their “overseer”, who “keeps” the trade in a certain area. And he pays tribute to the patrol policeman. Once a month, the “overseer” also unfastens the MOB for the deputy - from $ 200. Unorganized hucksters who work "without cover" also pay off the patrols. But more often - for statistics - they are delivered to the stations. There, protocols are drawn up for traders, in which the amount of the fine is also not clearly spelled out. The difference between the paper and the real amount is pocketed by the operative on duty.

The degree of risk is 1 point. It is difficult to control the actions of the deputy in the MOB, and a powerless illegal immigrant will never go to complain about him.

Deputy for passport work

The head of the passport office is one of the most lucrative positions in the capital's police department. The deputy for the passport (from the captain to the lieutenant colonel) receives from 5 to 6 thousand rubles. At the same time, passport officers are not even ashamed of their beautiful life - they prefer elegant foreign cars, which, however, for safety reasons, they are registered with relatives. The chiefs of the passport office receive huge profits from the illegal sale of apartments - they act in concert with “black brokers”. After all, the NPC knows exactly (and can tell) which of the local alcoholics or lonely old people should be paid attention to in order to take possession of the desired meters. Brokers, on the other hand, solder or deceive the unfortunate owners, and the profits from the sale of apartments are almost equally divided with the NPC.

And also, having "greased" the head of the passport office, you can draw up documents for the new owner of the apartment in three days, and not in several months, as in the usual case.

And yet the most reliable source of "left" earnings is registration in Moscow for nonresidents. It is not difficult to get permanent registration - it is enough to pay $ 1000 NPC. Then he petitions the head of the Department of Internal Affairs for the appropriate resolution. And for 1 thousand rubles. Temporary registration can be obtained without delay and renewed at any time.

The degree of risk is 5 points. The work of the passport department is well monitored and violations are identified. Another question is what measures are being taken. It depends on the conscientiousness of the inspectors, who also do not want to live on one salary ...

Deputy head for personnel work (former political officer)

Deputy for personnel (rank - from senior lieutenant to major, receives 5-6 thousand rubles per month) - one of the most unloved chiefs by the personnel. This position is most often taken by people who have not found a place for themselves in other services. Personnel officers are engaged in the selection of employees, control the personnel, resolve issues with sponsorship. The zampolit is obliged to visit the families of employees and, as they say, to monitor the moral and ethical appearance of the police. Previously, he was also responsible for the cultural sector, distributing theater tickets. Now relations with the personnel are mainly reduced to the fact that the personnel officer prowls around the offices and ... sniffs everyone: do they drink in the workplace? He also shakes out the contents of trash cans in search of empty bottles.

They do not like the political officer for the fact that he knocks money out of employees for boring departmental newspapers, collects contributions to the sports society “Dynamo” ... ... Other political officers even sat next to the cashier on payday: only participants in the lottery received salaries. The zampolites even went down to the “monkey house” on their own and forced tickets to those detained for administrative offenses - buying three tickets saved them from a fine. By the way, until now the employees of the lower divisions have not seen the winning table of that mysterious lottery ...

The zampolit will always find something to get hold of. If he is friends with the head of the police department, then instead of his boss he collects money from the "points". This is beneficial to both: both the “owner” has clean hands, and the assistant gets interest.

The HR deputy also profits from sponsorship. Each company can voluntarily transfer money for the purchase of paper, copiers, repair of police equipment ... In this respect, the reporting is so weak that the political officer can easily pocket some of the money.

When a detachment of militiamen is sent to Chechnya, an order comes from the Internal Affairs Directorate to the “land” offices. Each department is instructed to purchase goods for dry rations (vodka, cigarettes, dry soups, soap, etc.). The zampolit goes to the enterprises, where he receives sponsorship money on account of the purchase of the necessary. And then he buys the cheapest product instead of the quality one - he appropriates the difference in value. The checks necessary for reports will always be provided to the political officer in “their” store.

A good source of income is the sale of titles and decorations. For example, it is possible to become an “excellent police officer” for only 200-300 dollars ... The political officer is able to match those who wish to a position at the sergeant level, as well as make an ordinary opera senior. Sometimes it is thanks to the deputy in personnel that completely random people and even bandits turn out to be in the police. For lads, a place in a grassroots unit costs up to 5 thousand dollars.

The degree of risk is 1 point. The elusiveness of political politicians is often explained by the fact that they are the ones who knock on the employees of their unit at the Office of their own security. The biggest trouble that pursues the deputy in staff is the tires of his car punctured by his vengeful colleagues ...

Chief of staff

This position, even if it sounds beautiful, is the poorest among the leaders. Staff officers (from senior to major) most often do not have cars, but live on a salary of 4 to 5 thousand rubles. The chief of staff is responsible for the duty section, is engaged in paperwork, maintains police statistics and receives penalties more often than others. Sometimes this position is occupied by women who are not a burden to painstaking paperwork and want to receive titles in dusty work. Male staff officers often earn extra money as night guards, and during the day they cheer themselves up with vodka. Many drink too much without being able to realize themselves in life.

Most of all, the chief of staff can earn extra money by illegally releasing a detainee from the "monkey house".

The degree of risk is 1 point. History is silent about the chiefs of staff caught red-handed.

Deputy for investigation

The deputy for the investigation (from the captain to the lieutenant colonel of justice) is his own among strangers and a stranger among his own. He is obliged to observe the interests of the law, but with a salary of 6-7 thousand rubles a month, not everyone can do it. That is why the deputy investigator sometimes works against his colleagues. Investigators have a hard time collecting evidence of the culprit, but if he has the money, the work of the operas is reduced to nothing. A deputy investigator (and an ordinary investigator) is capable of ruining almost any criminal case for a bribe of $ 1000 or more. A violator of the law can be released on recognizance not to leave, even if he is suspected of robbery or extortion.

Investigators have an agreement with lawyers they know, according to which they recommend lawyers to their wealthy suspects. For such a service, the defender releases 10% of his fee to the sled.

The degree of risk is 6 points, i.e. quite high. The deputy for the investigation, as in a gamble, the main thing is to stop on time. Not everyone succeeds. For example, not so long ago the deputy head of the investigative department of the Troparevo-Nikulino police station received 3.5 years of imprisonment; the head of the investigation at the “Nagorny” police station was sentenced to 7 years in prison. Both demanded a bribe for the termination of the criminal case. By the way, the same - 10 thousand dollars.

Ordinary employees

A young operative (lieutenant or starley) works for 5-6 thousand rubles a month (the mayor's office gives the largest allowance to detectives and investigators). The beginner of operas is engaged in the most thankless job - uncovering hopeless burglaries, thefts, searching for missing people. This activity, as a rule, brings neither results nor satisfaction, but provides the opera with endless penalties. Professional interest and experience comes later - if the opera has stayed in the police department for more than three years.

Young employees use public transport, and some of the lucky ones use their parents' cars. But the opera will break into a cake, but he will buy himself a leather jacket and smart suede boots to impress the girls, whose attention they are already not deprived of.

The detectives are interrupted by small "leftist" earnings: they huddle up small, semi-legal firms, share information with interested parties, or prevent small criminal cases from going on. (Sometimes bosses substitute subordinates, making them extreme in their games.)

Experienced opera (from captain to major) is smoky, always drunk, drives around in a second-hand Audi or Volkswagen. For a fee, together with his deputy for SCM, he ruins affairs, receives income from brothels. The prostitutes, in turn, supply the detective with operational information.

The degree of risk is 7 points. The line between legal and illegal activities of detectives is so elusive that they easily cross it. Most often, operatives are caught for abuse of office, in other words - for beating testimony from detainees, planting drugs on them, etc. Common "opera" articles are extortion and bribe. Popular among detectives and arbitrariness, to which they are driven by lack of experience or just a desire to make money. For example, operatives, having learned that weapons are stored in a certain apartment, conduct a search without a court order. Some - in order not to waste time, others - wanting to lure money from the owner of the weapon for concealing a crime. Often detectives are sent to trial on the totality of all these crimes, and in groups. For example, over the past 10 years, at different times, three groups of operas from the “Marfino” police station have been convicted.

And yet, if not for these people, crime would have completely swept over Russia ...

Patrolmen (sergeants, salary from 3 to 4 thousand rubles) feed from illegal immigrants working on construction sites without cover, and from visitors without registration, and from street vendors. In addition, the guards successfully “hunt” for visiting wholesalers near the markets. The most expensive time is from 5 to 8 am, when buses with provincial traders can be easily calculated in the traffic. Wholesalers who buy consumer goods, as a rule, do not have documents for purchased items. You can pay off the annoying cop and avoid spending the night in the department for a certain fee. A provincial merchant carrying bales of goods on a Gazelle pays a guard on average $ 50. And each passenger of a "shuttle" bus - from 500 rubles.

Experienced precinct officers (from junior lieutenant to major, salary is the lowest among officers, from 3.5 to 4.5 thousand) rob the same newcomers, only in rented apartments. The illegal tenant, in addition to the rent for the owner, monthly unfastens from 100 to 500 rubles to the “big-eyed” district police officer (at best it will cost a bottle of vodka). They also feed on administrative protocols. Others receive cash bribes or rations from "subordinate" stores. However, in fairness it should be noted that very few people will envy the service of the district police officer. According to statistics, these people are more likely to commit suicide than all their colleagues - they shoot themselves right in the workplace.

The degree of risk is 7 points. “Switchmen” are always responsible for everything.

Here is such an excursion into the police pockets.

Let's make a reservation right away: in no case can these observations be attributed to all police officers, among whom there are many people working for the idea and out of professional interest. In addition, there is still a huge shortfall in the internal affairs bodies, which also indirectly testifies in favor of honest people. They leave, because they cannot live on a penny salary, but they are also unable to cope with a normal standard of living ...

Evgenia Borodina

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

Hello dear readers. Eduard and Dmitry are in touch.

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

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

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 1 time - get 100 times».

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

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

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

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

Passive income is the best way to start living the life of your dreams, travel, and manage your time as you see fit while everyone 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, then in most cases he spends everything that he earns, often has a lot of loans or borrows from friends "a couple of pieces to paycheck."

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

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

It is worth remembering here a wonderful quote from John Rockefeller, the famous American billionaire:

Anyone who works all day has no time to make money!
John Rockefeller

It really is. After all, they become millionaires in their free time from work, and at work people usually earn money only in order to cover short-term expenses.

Thus, it should be understood that our main asset is time, and rich people are good at using it.

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

At the same time, the progress of such a person in the long term is minimal, especially if we take into account the fact that the majority do not like their job 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, to create passive income, you need very good actively to work. Most often, several months or even years old... 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 a bank account, but TIME, during which a person may not work, maintaining a comfortable standard of living.

In order to understand how you can turn your time into a source of permanent passive income, break out of the "rat race" and find financial freedom, we recommend that you play the world famous financial game by Robert Kiyosaki "Cash flow".

3. Sources and types of passive income

You are probably impatient to find out how you can create passive income and from what sources it can come. Answers to these questions will be given below.

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

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

This is the psychological trap. After all, usually the working period for people 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 30 years in a row (in most cases at a hated job), but we have no patience to take care of our financial future and retire not at 55-60 years old, but say at 30 or 40 years enough.

Do not deceive yourself, because if you have decided for sure that you want to create passive income and have more free time, then you need to take decisive action to change your life!

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

There are only 4 main types of passive income:

Let's take a look at each of them and see what instruments can be used to generate passive income within each type.

1. Investment or financial passive income

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

Sources:

the property;
bank deposit;
securities;
our business (when we buy it);
equipment for rent.

2. Intellectual passive income

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

Sources of passive income:

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

3. Marketing passive income

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

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

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

Sources of passive income:

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

4. Legal (statutory) passive income

To one degree or another, almost all people talk about the three types of passive income described above, but they don't say a word about the fourth, we conventionally call it "legal".

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

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

Haven't you guessed what this is about yet?

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

Sources of passive income:

old-age pension, disability pension, military pension;
subsidies (compensation) for utility bills;
subsidies for starting or developing a business;
"maternal capital";
preferential housing for citizens in need.

4. How to Create Passive Income - 7 Best Ideas

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

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

Idea 1. Creation of a website for making money on the Internet

Online passive income is gaining in popularity today. If you are familiar with the principles of marketing, have a good command of a computer, then you can create such 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 HeatherBober.ru, where you are and read this article, brings passive income.

Usually, to start regularly making money on your website from $ 1000 per month, you will need from 6 months to 2 years of regular work on your project for several hours a day.

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

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 per month.

If you have (will be) a site that consistently brings passive income, then it can be sold as a ready-made business. At the same time, the amount for which you can sell a profitable site is equal to 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 business on it.

It's like raising livestock. You raise a cow and she gives you milk, you can regularly sell it, making a profit, and if you need a lot of money at once, you can sell the cow itself.

On your website, you can earn in the following ways:

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

Idea 2. Creation of an intellectual (creative) product

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

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

For example, the famous writer J.K. Rowling, the author of the Harry Potter books, now has a multimillion-dollar fortune thanks to passive income from his 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 has no material form, but is capable of bringing profit to a person or company by its presence.
These assets include patents, trademarks, business reputation of a company or person.

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

Real estate passive income is the best known of all rental passive incomes. But there are other ways too.

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

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

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

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

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

To do this, you need to carefully study the civil code of the Russian Federation or contact the social protection service at your 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. Do not neglect this opportunity.

Some citizens even pay bribes in order to get subsidized housing or disability pension without being disabled.

We are not encouraging you to improve your financial situation in dishonest ways, but if you have a legal basis for government financial support, why not use it.

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

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

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

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

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

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

Idea 6. Network Marketing

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

If you have a talent for finding 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 equal to the average salary of a provincial city.

Very well the way of a person in the process of building his passive income in network marketing is illustrated by the "parable of the plumbing" about two guys Pablo and Bruno. One of whom worked for money, while the other was creating a profitable system at that time:

Idea 7. Own business

A great way to create passive income is to start your own business project.

If you do not have sufficient funds to start 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 in the global network, thousands of people make big money.

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 as soon as possible and in the future turn it into a stable source of passive income.

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

Why this particular project? The answer is simple: our good friend named Sergey has already opened a restaurant for 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. In metropolitan areas, funds will return 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. The rest is a matter of technology.

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

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

Tips for Finding Financial Freedom:

Tip 1. Take the time to create assets

Try not to be limited only to getting money from your work, regularly think about how you can get money for once done work many times - replicate your efforts!

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