CD Interest Income: I only have one CD account left in the amount of $185,000 paying 3%. It expires at the end of 2018 and I’ll have to figure out what to do with it. After selling my SF rental house in mid-2017 for 30X annual rent, I’m left with about $500,000 in cash after investing ~$2,200,000. The best CD today is the CIT Bank 12-month CD at 2.5%. That’s pretty darn good because just a couple years ago, such a CD was less than 0.5%. The yield curve is flattening, meaning folks should take advantage of shorter duration CDs.

Some good writing here! I am a realtor myself and frequently get in touch with clients that consider buying a realty estate a conservative of investing. I once heard of a transport company in Vienna, Austria, which focused their entire profit on buying eventually every house available in the downtown for about 80 years. That must be some of a passive income!


Thanks for the great article…although I have to point out many of the items listed are not passive but active, such as selling bodily fluids, writing blogs or resumes, and collecting bottles and cans. To be truly passive, the income source must require no effort on your part (after initial setup). Real estate, dividends, P2P lending…these are truly passive income sources.
If you have a blog or some other property that has visitors, you might profit passively via affiliate advertising. For example, imagine that you write a blog about movies. You might review some books about movies, and then link to them on Amazon so you get a cut of the purchase price when anyone buys books through the links. If you blog about hiking, you might promote some hiking gear you recommend on the blog, again generating passive income if anyone buys any of it.
Risk: The tricky part is choosing the right stocks. Graves warns that too many novices jump into the market without thoroughly investigating the company issuing the stock. “You’ve got to investigate each company’s website and be comfortable with their financial statements,” Graves says. “You should spend two to three weeks investigating each company.”
Can you expound on the use of publicly-traded REITs as a passive income source? I’m 31 years old. No children. No wife. No dependents. (I am the closest thing to Ebenezer Scrooge you’ll ever see). My monthly expenses amount to less than $2,000 per month (most of which go to pay student loans) . I have a decent job making over $55K per year. I also have a $60K inheritance coming my way in a few weeks. I am absolutely crazy about achieving absolute financial independence, which for me would require a passive income of over $2000/month to cover my living expenses. I could achieve that in a mere couple of years if I were to save excessively and dump my savings (and inheritance) into a Mortgage REIT via the stock market, most of which are shelling out above 10% returns in dividend payments. Is this a good strategy for me? Or am I being too hasty and assuming too much risk?
Refinancing your mortgage is a passive income generator? Yup, it sure can be. If you're making monthly mortgage payments of $1,600 now, and you can reduce that to $1,300 per month by refinancing your home loan at a lower interest rate, you'll keep $300 in your pocket each month. Of course, refinancing isn't free -- there are closing costs. Still, if you plan to stay in your home long enough to more than break even, refinancing is well worth it. As an example, if your closing costs are $6,000 and you're saving $300 per month, you'll break even in 20 months -- less than two years!

Viral marketing can be less expensive than traditional marketing campaigns, yet grow faster — especially with the help of social networks as a "force multiplier." Since it can receive so much traffic in a short time, it can also lead to mainstream media attention. Social media can also cause viral marketing efforts to misfire, as messages are altered, misconstrued, considered spam or called out for missing the mark. Viral marketing success can also be hard to measure.
Many entrepreneurs reading this post will realize that they may not have the means to achieve true viral growth (where they have a Viral Coefficient of greater than 1). Rather than giving up, it is worth considering a hybrid viral model. In the hybrid viral model, you make up for the shortfall in customers by acquiring those through some other means such as paid search, or SEO.

On paper, it may seem easy to invest in real estate and earn the rent as passive income, but in a practical sense, it is often difficult to translate this investment into income. Identifying the source which will generate a stable passive income is probably the biggest challenge you might face. You may require external help. Most activities that generate passive income, like starting a blog or selling items on Craigslist or eBay, can end up taking so much time that they aren’t really “passive” activities anymore.
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Old Spice is still the king of viral marketing with its humorous and out-of-the-box ad campaigns. It came out with its brand character, the Old Spice man who appeared in “The Man Your Man Could Smell Like” campaign in 2010. The Old Spice man Isaiah Mustafa created a stir with his ad, which was created to appeal to the female audience and give a subtle message to men to buy Old Spice. The ad video got amazing positive reviews and YouTube views, garnering more than 54 million views to date on YouTube.
All viral marketing examples — deliberate or accidental — have three things in common: the message, the messenger and the environment. Each part must be leveraged to create a successful viral marketing campaign. Viral marketing campaigns may be created by any size of business and can stand alone or be a part of a larger traditional campaign. The campaigns themselves may utilize a number of tools, such as videos, games, images, email and text messaging, free products, appealing to the emotions of users or viewers, raising awareness to a worthy cause, and making such products, ideas or media easy to consume and share. Viral marketing often relies on the help of an influencer, who has a large network of followers.
Rates / Annual Percentage Yield terms above are current as of the date indicated. These quotes are from banks, credit unions and thrifts, some of which have paid for a link to their website. Bank, thrift and credit unions are member FDIC or NCUA. Contact the bank for the terms and conditions that may apply to you. Rates are subject to change without notice and may not be the same at all branches.
Provides for effortless transfer to others. Public health nurses offer sage advice at flu season: Stay away from people who cough, wash your hands often, and don’t touch your eyes, nose, or mouth. Viruses only spread when they’re easy to transmit. The medium that carries your marketing message must be easy to transfer and replicate: email, website, graphic, software download.
There are three main categories of income: active income, passive income and portfolio income. Passive income has been a relatively loosely used term in recent years. Colloquially, it’s been used to define money being earned regularly with little or no effort on the part of the person receiving it. Popular types of passive income include real estate, peer-to-peer (P2P) lending and dividend stocks. Proponents of earning passive income tend to be boosters of a work-from-home and be-your-own-boss professional lifestyle. The type of earnings people usually associate with this are gains on stocks, interest, retirement pay, lottery winnings, online work and capital gains. 
Thank for this extensive work. When you make extra money you need to think simple. First thing you should consider is whatever you do must be safe enough that you don’t lose your initial investment as well. Also, look at the ways you can reduce your costs. This could be car insurance savings or paying back expensive loans or card balances. Saving is making money as well.
While compiling this list, I did my best to avoid scams, and stick with practical ideas that work. I have tried many (but not all) of these ideas. Some of these helped me earned a few dollars here and there, but there are some that helped me earn extra money on the side every single day — and some are still providing me with revenue! Note that not all ideas will fit your skills and abilities. What works for you depends on your abilities and your current financial situation.
They also launched an incredible Retirement Planning Calculator that pulls in real data from your linked accounts to run a Monte Carlo simulation model to output the most likely results of your financial future. I strongly suggest you run your own numbers, play around with the income and expense variables, and see how you stack up. It’s all free and easy to use.
Running a contest – Pick a prize that your followers would like to win so they are incentivized to share and enter. Post it over social media and email with an emphasis on your branding and some news coming soon. Have the winner announced over Facebook Live or an alternative channel with the product launch at the same time to capitalize on the amount of traffic the video will receive.
Some things aren’t funny: A 2013 UK ad for Hyundai used a failed suicide as a punchline (oh, haha, this guy wants to use his car’s emissions to kill himself, but the car is too efficient). A negative reaction ensued, including an open letter from a blogger who posted the suicide note of her father, who killed himself in the same manner attempted in the ad. (6)
Hi Sam! I loved your sentence, “There’s so much information in my head that I need to write it down or else I might explode.” That’s exactly how I feel! I never thought of myself as a writer, and especially not a blogger, but recently I’ve started dabbling in it and it feels so nice to get everything out! I’m dedicated to helping others succeed with personal finances, and there are plenty of “how-to” sites, but it’s important to get people thinking and motivated to prepare, plan, and save!
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To model Viral Cycle Time’s effect on growth, I searched the web, high and low, looking for a pre-defined formula. To my great surprise, there was no formula that I could find that correctly calculated customer growth, and showed the impact of Viral Cycle Time. What was also surprising, was that I did find several blogs showing formulae for viral growth, but in every case, they appeared to make the same mistake, which was assuming that the entire customer base would continue sending out invitations for every cycle. So I collaborated with my partner, Stan Reiss, who turns out to be a whole lot smarter than I am, and he helped me develop the fomulae that are used in the more sophisticated model for viral growth below:
6) Always Remember That Everything Is Relative. The best way to determine worthwhile passive income streams is by comparing the likely return (IRR) with the current risk-free rate of return. If I round up, the 10 year bond yield is at 3%. Any new venture should thoroughly beat 3% otherwise you are wasting your efforts since you can earn 3% doing nothing.
To fully understand the model, it’s useful to look at the second, and subsequent, cycles of growth. In the model above, only the new customers that were added in the prior cycle send out invitations. This is because it is highly unlikely that the entire population will continue to send out invitations every cycle. Every time I have looked at other blog articles or formula for Viral Growth, they appear to have gotten this part of the calculation wrong.
Email campaigns that stand out and bring about a sense of emotion are great to get subscribers sharing with others. Creating calls to actions and valuable content within your email that is timely and closely related to what your subscribers care about will help the virality of your email campaign. In a world where 20% of subscribers open email newsletters it is important to segment your audience to deliver the best content possible and also create clear calls to action so subscribers don’t need to think about what they need to do with your message.
Viral marketing works famously on the Internet because instant communication is easy and inexpensive. The digital format makes copying simple. From a marketing standpoint, you must simplify your marketing message so it can be transmitted easily and without degradation. Short is better. The classic is: “Get your private, free email at http://www.hotmail.com.” The message is compelling, compressed, and copied at the bottom of every free email message.
This campaign is a great viral marketing example of where the benefits must outweigh the cost as those against Nike’s messaging started to post videos of them destroying their branded apparel and refusing to support the company again. If you are planning on taking a side within your viral marketing campaign make sure you measure the benefits and costs as it could involve you losing customers and ultimate money in the long run.
Beta Testing: Identify top influencers who can try your new product in beta and motivate them to review and talk about it before it goes to market. Their followers will be privy to ‘classified’ information that makes them feel great and they will want to know more about the product. Make sure that any bugs or confusion that are identified in this phase are solved before the product goes live. It could turn into a lessons learned blog!
Finally, when looking around for the right personal finance software that meets your needs, make sure that you’re comfortable with the program’s interface. It shouldn’t be expected that you recognize every single feature instantly, but if the features don’t seem readable and manageable to you, then you’re not as likely to use it and get the full benefits.
In mid 2016, an Indian tea company (TE-A-ME) has delivered 6,000 tea bags[79] to Donald Trump and launched a video on YouTube.[80] and Facebook[81] The video campaign received various awards including most creative PR stunt[82] in Southeast Asia after receiving 52000+ video shares, 3.1M video view in first 72-hour and hundreds of publication mentions (including Mashable, Quartz,[83] Indian Express,[84] Buzzfeed[85]) across 80+ countries.
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