Left income 5. Additional earnings. 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 and any effort and brings more more money. How to achieve this? Answer - you need to know where to invest money. Of course, the amount of profit will directly depend on the amount of invested funds. And let's say, for novice investors, the profit received from their investments will be relatively small. But you need to start somewhere. After all, the very fact of generating very attractive. In order for income to grow, you need 2 things: periodically invest additional money and constant. 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 placed funds.

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

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

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

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

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

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

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

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

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

Finally

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

How to create passive income - 14 working ways + 12 tips for beginner businessmen.

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

Features of creating passive income and its difference from active

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

Money comes into the account by itself.

Of course, in order to ensure that profits enter your account, you will have to make an effort, but they pay off and bring money in the future.

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

To receive passive income, you need to make a single certain actions to receive it.

Receipts will occur over a certain period of time.

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

Many talk about this in their books and interviews.

When creating several sources of income, you can leave your own labor activity"on an uncle" and start your own business.

How to Create Passive Income: 14 Best Ideas

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

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

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

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

You can not only earn passively on this, but also build a highly profitable business.

An alternative to the site is maintaining a VKontakte group.

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

What if there are five such groups?

Sale of own seminars and training courses.

This option is suitable for those who have graduated educational institution and has a degree in teaching.

The hardest part is recruiting listeners.

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

To write a book.

The royalties from the work go to the author until the book is withdrawn from sale.

Create an intellectual product.

For example, a computer program.

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

Or a car.

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

Renting a salon, a hairdressing place.

Government payments.
They can be received by the disabled, large families or people who have retired due to age.
Bank deposit.
Investing money in a bank against 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 superfluous 3-10 thousand per month.
Sale valuable papers and PIF.
A good option for a long-term investment of capital with a view to making a profit.
However, it must be approached very carefully.
Gather all the information on the organization in which you invest your money.
The income from shares becomes large only after about 7 years have passed since their acquisition.
Own business.
A very good option for obtaining passive income, but it requires a lot of effort and time before it starts to make a profit.
Venture investments and profit.
To receive venture royalties, you need to invest in a newly opened company.
After a few years, you can start to receive a very substantial amount, depending on the amount of the contribution.
Investing money in investment and trust organizations.
Profit is formed through the redistribution of capital.
However, in this case, the risk of losing your investment is high.
Acquisition of housing under construction and its sale after construction.
A profitable option if there are funds for the purchase of 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 builder, you should be extremely careful.
Buy housing only from reliable, well-known developers that have been operating in the housing market for several years.

Search for the best option of the many existing - the work of more than one day.

You should carefully consider the actions, evaluate the initial capital and decide what is best for you.

Many people, thinking about how to create passive income They don't want to do anything about it.

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

12 Tips for New Business Owners to Create Passive Income

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

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

Look for new assets that will later turn into liabilities.

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

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

Lead the life rich people lead.

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

Always have on hand Required documents, confirming your investments in a company or bank.

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

Calculate the risks of losing invested money.

If the risks are minimal, take the risk.

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

Think about your future every day.

Decide what you want to achieve.

Open your site 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 already walked your path and will give you some ideas.
Be prepared for the fact that in order 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're done, try another.

Inflaming 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 business both in real life and on the Internet.

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

Choose the job that works best for you.

This may be the creation of sites, the administration of a group in in social networks, copywriting, Forex trading.

To start trading on the Forex exchange, you need to go through a month-long training and make several trial trades.

On the initial stage invest the minimum amount and develop.

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

How to create passive income and gain financial freedom?

In books on self-development, achievement of 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 while working at your main job.

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

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

When you get a profit, invest it again.

Develop.

financial literacy - required condition for those who want 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 income are already one step above the rest.

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

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How to work with cash register: instruction + innovations

Many people want a stable job and a decent salary. And that's okay. But the world is so arranged that there is not enough for everyone. And people begin to go leftist, that is, to receive side income from their position. Most simply take bribes and. It's boring, non-technological and requires only 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 question aside, God be their judge. And while working at various enterprises from chemistry to metallurgy, I have accumulated a curious collection of technological methods on which people made money.

Dairy plant, where they make butter, sour cream and cottage cheese. Milk is brought in tankers from the surrounding farms. After checking the quality, the milk enters a single container. As you know, the most valuable in milk is fat and protein. Sour cream and butter are made from fat, 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 content is determined in the laboratory upon acceptance. Measuring instruments have an error. What does a laboratory assistant do? It overestimates the fat content of milk in some and underestimates it in others. The former have a profit, which they share with the laboratory assistant.

The receivers of oil products act in the same way. Counters are set in liters, and documents are issued in kilograms. Therefore, one is joined to the other through density. The receiver looks at 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, when shipping, you can "mistake" in the other direction. They are wrong. They underestimate the weight of their cars, and overestimate the rest. As a result, the surplus of oil products goes to "their" machines and is sold. And the top managers of the tank farm do not even think about it.

This scheme, using the error of instruments, also works in metallurgy. Let's take a scheme for processing non-ferrous metals 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 “that” piece of metal for analysis, or maybe “this one”. And experienced people know which piece to take. As a result, the difference in the composition of the metal can reach 10-15%. Usually the receiver is in the share or on the content of one of the waste deliverers.

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

Police officers like to complain about the modest wages. Indeed, the amount that a law enforcement officer receives every month 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 run away from the authorities and how they manage to flaunt in good suits, drive good cars, use cool mobile phones and relax in trendy resorts.

Due to what the militiamen working “on the ground” live today, i.e. at 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 service own security. But the majority of bribe-takers in uniform feel calm.

We will try to reveal some secrets of the long police ruble with the help of experienced staff who served in the bodies for more than a dozen years.

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

Head of the Department of Internal Affairs

The average head of the police department (major or lieutenant colonel) is from 35 to 45 years old. These people, as a rule, go through all stages of service, starting with the position of a patrol officer, and know the hardships of police life firsthand. The head of the police department, together with allowances, receives up to 8 thousand rubles a month. (It should be clarified that the net police income consists of salary, bonuses for seniority, rank, special conditions work, from rations and allowances from the mayor. We present averaged data.)

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

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

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

The administrators of restaurants and cafes pay the same amounts to the patron to avoid unscheduled 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 free snack. The more stars on shoulder straps, the higher the level of the catering point. Visits 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 a Zhiguli, although he prefers new cars. There is no need for him to shine. Firstly, the Department of Homeland Security does not sleep, and secondly, it is inconvenient to show off in front of personnel.

The degree of risk of being caught by 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, his direct leadership does not need to dishonor the honor of the uniform once again. Most of the chiefs of the police department live peacefully until retirement and go to the heads of the security services of large firms, fortunately they have enough friends among businessmen. Well, if a scandal suddenly breaks out, they will be carefully sent off to retire. In order to be prosecuted, something really out of the ordinary must happen. In the modern history of the Moscow police, only a few sad examples are known. The head of the 5th “Arbat” police department, Mikhalev, and the head of the Tsaritsyno police department, Alekseev, ended up in prison for large bribes. And the head of the Krylatskoye police department, Batyuk, was brought to trial for falsifying crime figures.

Deputy Criminal Police

The deputy head of the police department for the service of the criminal police (SKM) prefers the "Zhiguli" of the eighth model or the average hand of a foreign car, more often a "BMW". His rank (from captain to lieutenant colonel) does not earn at the table. These people are fans of the profession, often risking themselves. So, on the first day of the hostage-taking in Nord-Ost, Oleg Kovtun, deputy head of the Khoroshevsky police department for the SCM, who could calmly sit in his office, but went personally to patrol the territory, was shot and killed.

It is not surprising that most of the "main operas" are people who drink and have mistresses. An official salary of 7 thousand rubles is not enough for such a dashing life. Therefore, deputies for SCM are spinning as best they can. The main source of their income is bribes for the non-initiation of criminal cases, and even for the collapse of such. Evasion of criminal responsibility costs their “sponsored” $500 and more.

Owners of firms that 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 policemen themselves, but from bandits and competitors. If the brothers run into a car service, which is “covered” by the territorial police department, the firm informs the deputy of the SCM about this, and the operas are sent “for a showdown”. Such “physical protection” costs businessmen from $100 per month.

Deputy for SCM imposes tribute and brothels. If the police really wanted this, then all the brothels in the capital would disappear overnight. However, mothers and pimps pay their deputy $500 per month for SCM and live in peace. Occasionally, the police pompously covers the brothels - for the record. But mostly prostitutes get into the network of operatives, who get off with a slight fright in the form of a fine.

The SCM deputy receives a significant part of his income from illegal call centers set up in Moscow apartments by immigrants from China and Vietnam. For their "telephone right" underground workers pay the police chief from 1 thousand dollars a month.

Another help is the numerous scams that thrive in crowded places. “ Win-win lottery", or " Charity Event”, would not have lasted even a few minutes without police cover. Such scammers who feed law enforcement officers are called “machine tools” in the police environment - for stability and attachment to the terrain. But as soon as the “machine” takes a walk or gets drunk “at work”, his own people will kick him out, and he will become a “partisan” - working without cover. “Partisans” basically go to jail. "Machines" are still flourishing.

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

Deputy for public safety

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

The sources of income of the deputy for 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 5000. minimum wages. The district inspector, checking the company on his territory, will definitely find non-compliance with fire safety standards, unsanitary conditions, illegal trade, lack of registration among employees. And then he will draw up a protocol, which will be considered by his boss - 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 “prosecutor Korzinkin” (as the policemen call the wastebasket among themselves). Business owners prefer to "flavor" the deputy to avoid frequent inspections.

Deputies for the MOB warm their hands even in the collapse of cases that are within the competence of the bodies of inquiry. For example, a person who commits petty shoplifting can avoid criminal liability by paying $500.

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

Small merchants daily throw off from 50 rubles from the nose and transfer the money to their “watcher”, who “holds” trade in a certain territory. And he presents a tribute to the patrol policeman. Once a month, the “watcher” also unfastens the deputy for the MOB - from $ 200. Unorganized traders working “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 size of the fine is also not clearly spelled out. The difference between the paper and the real amount is pocketed by the operatives on duty.

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

Deputy for passport work

Boss passport office- one of the most profitable positions in the capital's police department. The deputy on the passport (from captain to 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, are recorded as relatives for safety reasons. Heads of the passport office receive huge profits from the illegal sale of apartments - they act in concert with the “black brokers”. After all, the NPS knows exactly (and can tell you) which of the local alcoholics or lonely old people you should pay attention to in order to take possession of the desired meters. Brokers, on the other hand, solder or deceive the unfortunate owners, and the profit from the sale of apartments is shared with the NPS almost equally.

And yet, by “lubricating” 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 non-residents. It is not difficult to obtain a permanent registration - it is enough to pay the NPS $ 1,000. Then he intercedes before head of the police department on the relevant resolution. And for 1 thousand rubles. you can get a temporary registration without any delay and renew it at any time.

The degree of risk - 5 points. The work of the passport department is well controlled, and violations are detected. 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 a month) - one of the most unloved personnel of the chief. This position is most often taken by people who have not found a place in other services. Personnel officers are engaged in the selection of employees, control personnel, and resolve issues with sponsorship. The political officer is obliged to visit the families of employees and, as they say, to monitor the moral and ethical image of policemen. Previously, he was also responsible for the cultural sector, distributing theater tickets. Now relations with personnel basically boil down to the fact that the personnel officer prowls around the offices and ... sniffs everyone: do they drink at the workplace? He also shakes out the contents of the trash cans in search of empty bottles.

They don’t like the political officer for the fact that he knocks money out of employees for boring departmental newspapers, collects contributions to the Dynamo sports society ... And on the eve of the 200th anniversary of the Ministry of Internal Affairs, personnel deputies became famous for forcibly distributing lottery tickets issued specifically for the celebration . Other political officers even sat next to the cashier on payday: only lottery participants received salaries. Political officers even personally descended into the “monkey house” and imposed tickets on detainees for administrative offenses - buying three tickets saved them from a fine. By the way, until now, employees of the grassroots divisions have not seen the winning table of that mysterious lottery ...

The political officer 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 “points”. This is beneficial for both: the “owner” has clean hands, and the assistant receives 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 goes to Chechnya, orders come 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 political officer travels to enterprises, where he receives sponsorship money for the purchase of necessary things. And then he acquires the cheapest goods instead of a quality one - he appropriates the difference in cost. 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 insignia. For example, you can become an "excellent student of the police" for only 200-300 dollars ... In the forces of political officer - to marry those who wish to a position at the level of sergeants, and also to make an ordinary opera senior. Sometimes it is thanks to the deputy for personnel that completely random people and even bandits turn up in the police. For brothers, a place in a grassroots unit costs up to 5 thousand dollars.

The degree of risk - 1 point. The elusiveness of political officers is often explained by the fact that they are the ones who knock on the Department of Internal Security on the employees of their unit. The biggest trouble that haunts the deputy in personnel is the tires of his car punctured by vengeful colleagues ...

Chief of staff

This position, although it sounds beautiful, is the poorest among the leaders. Staff officers (from starley to major) most often do not have cars, but live on a salary of 4,000 to 5,000 rubles. The chief of staff is responsible for the duty unit, does paperwork, maintains police statistics and receives penalties more often than others. Sometimes this position is occupied by women who are not burdened by painstaking paperwork and want to receive titles in dust-free 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, never being able to realize themselves in life.

Most realistically, the chief of staff can earn extra money by illegally releasing a detainee from the “monkey”.

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

Deputy Investigator

Deputy for the investigation (from captain to lieutenant colonel of justice) - one of them 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, this is not for everyone. That is why the deputy investigator sometimes works against his own colleagues. It takes a lot of work for detectives to collect evidence of the guilt of a criminal, but if he has money, the work of operas is reduced to nothing. A deputy investigator (and an ordinary investigator) is capable of ruining almost any criminal case for a bribe of $1,000 or more. A violator of the law can be released on bail, even if he is suspected of robbery or extortion.

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

The degree of risk is 6 points, i.e. pretty high. Deputy for the investigation, as in a game of chance, the main thing is to stop in time. This does not work for everyone. For example, not so long ago, the deputy head of the investigative department of the Troparevo-Nikulino police department received 3.5 years in prison; the head of the investigation at the Nagorny police department 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). Beginning opera is engaged in the most thankless job - the disclosure of hopeless burglaries, thefts, the search for missing people. This activity, as a rule, does not bring any results or satisfaction, but it provides the opera with endless penalties. Professional interest and experience come later - if the operas stayed at the police department for more than three years.

Young employees ugro move to public transport, and some lucky ones drive 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.

Detectives survive on small “left” earnings: they spud small, semi-legal firms, share information with interested parties, or do not proceed with petty criminal cases. (Sometimes bosses substitute subordinates, making them extreme in their games.)

An experienced opera man (from captain to major) is smoky, always drunk, drives around in a used Audi or Volkswagen. He, together with the deputy for SCM, ruins things for a fee, receives income from brothels. Prostitutes, in turn, provide the detective with operational information.

The degree of risk - 7 points. The line between legal and illegal activities investigators is so ghostly that they can easily cross it. Most often, operatives are caught for exceeding official authority, in other words, for extracting evidence from detainees, planting drugs on them, and so on. Common “opera” articles are extortion and bribery. Arbitrariness is also popular among detectives, to which they are driven by a lack of experience or simply a desire to earn 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 lose time, others - wanting to lure money from the owner of the weapon for concealing the crime. Quite often, detectives are sent to court for the totality of all these crimes, and in groups. For example, over the past 10 years, three groups of operas from the Marfino police department were convicted at different times.

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

Patrolmen (sergeants, salary from 3,000 to 4,000 rubles) are fed by illegal immigrants working on construction sites without cover, and from visitors without registration, and from street vendors. In addition, guards successfully "hunt" near the markets for visiting wholesalers. The most productive time is from 5 to 8 o'clock in the morning, when buses with provincial merchants can be easily calculated in the traffic. Wholesalers who have bought consumer goods, as a rule, do not have documents for the purchased items. You can pay off the annoying cop and avoid spending the night in the department for a certain bribe. A provincial merchant transporting bales of goods on a Gazelle pays an average 50 dollars to a guard. And each passenger of the "shuttle" bus - from 500 rubles.

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

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

Here is such an excursion to the police pockets.

Let's make a reservation right away: these observations can by no means be attributed to all police officers, among whom there are many people working for the idea and from professional interest. In addition, there is still a huge shortage 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 steal to a normal standard of living ...

Evgenia Borodina

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

Hello dear readers. Eduard and Dmitry are in touch.

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

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

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

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

1. What is passive (residual) income?

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

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

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

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

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

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

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

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

If you look at life ordinary person 30-40 years old, in most cases he spends everything that he earns, often has many loans or borrows from friends "a couple of grand before payday."

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

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

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

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

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

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

After all, if you look at a normal day common man, then we will see a picture that repeats itself from day to day: in the morning - to work, in the evening - from work, cafes, beer, TV.

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

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

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

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

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

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

3. Sources and types of passive income

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

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

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

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

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

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

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

There are only 4 main types of passive income:

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

1. Investment or financial passive income

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

Sources:

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

2. Intellectual passive income

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

Sources of passive income:

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

3. Marketing passive income

It arises from established marketing systems, for example from a commercial Internet site, your structure in network marketing or personal brand rental*

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

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

Sources of passive income:

own developed structure in a network marketing company;
commercial companies using your personal brand;
your website on the Internet;
business that generates income from work marketing system(often it is an information business).

4. Legal (legal) passive income

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

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

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

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

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

Sources of passive income:

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

4. How to Create Passive Income - Top 7 Ideas

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

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

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

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

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

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

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

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

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

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

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

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

On your site you can earn in the following ways:

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

Idea 2. Creation of an intellectual (creative) product

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

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

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

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

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

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

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

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

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

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

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

If you fall into the category of socially unprotected citizens (disabled person, large family, pensioner, etc.), then you can apply for compensation payments both 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 service social protection at the place of residence.

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

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

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

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

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

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

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

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

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

Idea 6. Network Marketing

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

If you have the talent to get along with different people, you are friendly and full of energy, then boldly start in this industry and in a few months your passive income can be compared with average salary provincial city.

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

Idea 7. Own business

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

If you do not have sufficient in cash 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 at global network thousands of people earn 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 in these articles, you can short term you will be able to organize your business from scratch and further turn it into a stable source of passive income.

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

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

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

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

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

Financial Freedom Tips:

Tip 1: Take the Time to Build Assets

Try not to limit yourself to just getting money from your work, regularly think about how you can repeatedly receive money for once done work - replicate your efforts!

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