Whether you take a “distribution” (aka free-cash-flow) in the form of a dividend, interest payment, capital gain, maturing ladder of a CD, etc, you are still taking the same amount of cash out of your portfolio. Don’t fall for the trap of sub optimizing your overall portfolio’s performance because your chasing some unimportant trait called “income”.
Though it can take a while to build up enough cash to put a 20% down payment on an investment property (the typical lender minimum), they can snowball fairly quickly. The key here is to correctly project income and expenses in order to calculate cash flow (the free cash you can put in your pocket after all associated property expenses have been paid). However you have to be sure to include the cost of a property manager in your calculations unless you want to manage the property yourself. Even with a property manager, you may be required to make large repair decisions every now and then – so while this is not a 100% passive activity, you are not directly trading your time for money like traditional employment.
Investing in bonds: Similarly, bonds are an attractive way to engage in passive income. Over a recent 45-year period, bonds funds, as measured by Vanguard Funds, returned 7.1%. Of course, there's no guarantee that investments in stocks or bonds will always work out well, investing in them is by far the surest way to generate money through passive income.
As for other tips, all I can say is “a penny saved is a penny earned”. If you are running out of ideas to make money, start saving. Some quick “low hanging fruit” tips to save some quick cash include – switch to MetroPCS or Boost for cellphone (I only pay $20/month), switch auto insurance to Insurance Panda ($25/month), and start using GasBuddy (saves me like $100/month at least. I drive a lot).
One way that people have been earning money online recently is going to your local stores and hitting the clearance section.  Buy up a shopping cart full of stuff and then mail it to Amazon FBA (fulfilled by Amazon).  Amazon then sells the items and mails them for you, and pays you your cut.  There is even a really cool app for your phone that you can use in the store to scan the barcode and see how much money you could make selling it on Amazon, even including your shipping costs.

If you have previous experience as a computer programmer or have skills in this field, then there is plenty of work you can pick up as a freelancer. If lack of confidence is holding you back, then Free Code Camp is an excellent way to get your foot in the coding door. This organization provides free courses where you will build real-life apps and programs, giving you experience and plenty to add to your CV.
Serve as an online juror. Some attorneys use large panels of online mock jurors to get feedback on their cases before they go to trial. However, the mock jurors must live in the county or federal district where the case will be tried. You can sign up at a couple of sites and receive e-mail notifications if a case is posted in your area. EJury.com pays $5 to $10 per case via the online payment system PayPal. You can't be an attorney, paralegal or legal assistant – or even related to an attorney – to participate. EJury says you're likely to have better luck getting picked if you live in a large metropolitan area, where more cases are tried, rather than a rural area. The average case takes about 35 minutes to review. At OnlineVerdict.com, where cases typically take between 20 minutes and one hour to review, fees range from $20 to $60. Payment is made by check.
Though it can take a while to build up enough cash to put a 20% down payment on an investment property (the typical lender minimum), they can snowball fairly quickly. The key here is to correctly project income and expenses in order to calculate cash flow (the free cash you can put in your pocket after all associated property expenses have been paid). However you have to be sure to include the cost of a property manager in your calculations unless you want to manage the property yourself. Even with a property manager, you may be required to make large repair decisions every now and then – so while this is not a 100% passive activity, you are not directly trading your time for money like traditional employment.
I think also a very good way to earn a nice passive income is investing in Cryptocurrency, especially in Masternode Cryptocurrencies, which provide a passive income in coins, also those carefully picked coins grow in value, so it’s a double gain! And a great coin to invest in at the moment is GINCOIN, which is the fuel for a really succesful project. Find more at GINCOIN Website: https://gincoin.io/ 😉
Daily Surveys can be taken one or more times per day. This is indicated in the survey description. Other targeted surveys can be taken as you see them. Be sure to complete these when you see them. Some surveys may accept a limited number of responses from people matching your demographics, and can sometimes disappear quickly. New surveys come out all the time too!

Or you can take dog walking a step further and get paid to take a dog in while the owner is away! Have you ever checked to see what it costs to board a pet? Those places are not cheap! Do some research and charge 10 – 20% less. Post your ads on Craigslist or around town. But don't expect people to just leave their loved one with a stranger. Make sure you offer your references and that you have all their necessary information if Fido gets injured or sick. Rover can help you here, too – Become a Pet Sitter.
To start your affiliate marketing journey, make sure you sign up for my Affiliate Marketing Masterclass, which will walk you through five steps to finally begin generating an additional passive income stream using authentic affiliate marketing strategies I’ve used myself. Click the link below to sign up for the next Affiliate Marketing Masterclass:
What is refer-a-friend? Essentially, you make money for using a service and telling others how great it is. Most of the times, you’ll get a unique link that you can share with friends directly or throughout social media. Whenever anybody clicks your link and signs up and/or makes a purchase, you’ll get a bonus. The bonus can be in the form of cold hard cash or an account credit.
Blogging is still going to take work starting out. That path to $5,000 a month didn’t happen overnight but just like real estate development, it build up an asset that now creates constant cash flow whether I work or not. I get over 30,000 visitors a month from Google search rankings, rankings that will continue to send traffic even if I take a little time off.
Start by taking other courses you’re interested in: Not only is this important competitor and opportunity analysis, but it also gives you an idea of how a course could or should look and feel. What’s the pacing like? Is it via email, video, in-person chats? Once you understand how you want your course to look, it’s time to decide what it should include. Those same courses are a great starting place. How can you make your course better or more interesting? Do you have experience others don’t?
I wish I had more time to put into real estate. Given the run up since 2012, I may even be interested in selling my condo that I currently rent out. I need to get it appraised to really see what it’s worth, but I think conservatively it’s gone up ~50%, although rent is probably only up ~10% or so. I am bullish on rents going up in the future… mostly in line with inflation, or perhaps even slightly faster due to constricted credit and personal income growth which should provide a solid supply of renters. At this point, I just don’t want to manage the property. I’ll probably look into a property manager as my time is likely worth turning it into a nearly passive investment.

And while you're at it, why not help name the business itself? Believe it or not, you can make money by submitting business name ideas. There's a company called Squadhelp that bridges creative minds all over the world with business owners, to come up with the best name possible. PT Money hasn't tried the the product ourselves, but apparently there's a decent chunk of change to be made! Check out Squadhelp
Just a few years ago, I never thought I would be staff writing, and I never even thought about it. But once I began, I really started to enjoy it. I really love to write (yes, I do realize that I’m not the best and I probably should proofread more, but I do like to talk), and writing for different blogs was fun for me. How are people supposed to know that you are looking for a freelance writing position?
This is a more technical way to make money online then most of the other strategies given. But you can get an excellent course on how to make it happen with Steve Chou’s Create a Profitable Online Store program. Steve and his wife have built a highly successful online store – selling wedding napkins – and he’s anxious to provide insider secrets to people who sign up for his course..
Sponsored posts work much in the same way as paid guest posts, but they are posted by big businesses instead of individual bloggers. Therefore, the scope for fees is much higher, as businesses have larger marketing budgets than humble bloggers. Having sponsored posts by large companies will also help promote your site as reputable and as a leader in its field.
I have a personal blog that I use for journaling. I became good enough that I opened my own business as a social media consultant. I’m now making a decent amount of extra money. I am also a photographer with a lot of graphics program experience, so I make a little more by doing graphic design, photography, and even digital enhancement. You don’t have to be the best at something in order for it to be profitable; you just have to put in the work and be better or cheaper than other people out there. However, it IS work.
Cryptocurrency or digital currency is the next big thing in currency trading. It’s a digital asset that is used as a method to pay for things, that isn’t run by a government or institution. Bitcoin is the most well known digital currency and was trading at $200 per Bitcoin back in 2013. Now it is worth over $17k and is expected to be worth well over $1m in 2022.
Your money is either in charge of you or you’re in charge of it, there’s no middle ground. Using some type of personal finance software can help alleviate some of that money stress and better allow you to manage your money effectively. Without it, you may just be setting yourself up for constant financial worry. Life is already tough enough and there’s no need to make it more difficult by simply hoping your money issues will all work out in your favor. Hint: they won’t.

Once you’ve had children, many parents find themselves caught in the trap of needing to work but wanting to stay home with their kids. Creating your own parenting blog can not only be a way to make some money, but it can also help you connect with other parents and make sense of those crazy sleepless early parenting years (it does get easier don’t worry!)
After these tenants move out, I'm thinking of just keeping the rental empty with furniture. It sounds stupid to give up $4,200 a month, but I really hate dealing with the homeowner association, move-in/move-out rules, and maintenance issues. Given that the condo doesn't have a mortgage and I have to pay taxes on some of the rental income, I'm not giving up that much. The condo can be a place for my sister, parents, or in-laws to crash when they want to stay in SF for longer than a week or two.
*The Ellevest The Penny Hoarder promotional offer is valid for the first 1,000 new clients of Ellevest who enter through this designated landing page. Clients who enroll and fund their non-retirement account will receive $25 added to their highest priority goal in their Ellevest account. Clients who enroll and fund their retirement account will receive a $25 Amazon gift card which can be redeemed by visiting www.amazon.com. Please review Amazon.com Gift Card Terms and Conditions prior to redemption. Ellevest is not responsible for lost Amazon Gift Cards. Ellevest’s processing time for depositing $25 into a client’s Ellevest account or delivery of a $25 Amazon gift card may be up to 60 days.
Acorns: Acorns is a great way to start investing and building wealth. As it turns out, Acorns will pay you $5 to start investing with them for as little as $1. That’s a 500% return, plus it’s probably time you started investing for your future. They even have features like round-up and found money that allows you to get free money from places you already shop at.
Even if your car rarely goes unused long enough to rent it out to a visiting driver, you can still potentially “rent it out” by turning your vehicle into a rolling advertisement. The site freecarmedia.com pairs car owners with advertisers who are looking for mobile billboards. Drivers can earn up to $400 per month by agreeing to have their vehicle wrapped with a vinyl decal (called a car wrap) provided by an advertiser. Generally, your program will last anywhere from 6 to 24 months, and you get paid for following your normal driving routine.
I really like the idea of writing poorly written ads. It seem like it can be easy and you can make a small profit. I know that use to work at a school and we got our extra money from writing grants. People can write grants to start a business so I am in the process of trying to write my own grant to start a community program for teens. its a litte extra money and I still get to do what I love. If you have any kind of hobby you can prob. turn that into some income if you can get creative. Good luck
Turn your photographs into cash via sites like Fine Art America, which lets you upload your images to sell as prints, t-shirts, phone cases and more. Other marketplaces for photographers include SmugMug, 500px and PhotoShelter. Some sites require a subscription but may provide features ranging from cloud storage to password-protected galleries and a customized website.
The most liquid of the private investments are investing in equity or credit hedge funds, real estate funds, and private company funds. There will usually be 6 month – 3 year lockup periods. The least liquid of the private investments are when you invest directly into private companies yourself. You might not be able to get your money out for 5-10 years, depending on the success of the company and upcoming liquidity events.

There were several great ways to earn more money from your computer. I found a most profitable ways is simply search an idea around on the net and select few that really be able to implement as offline business. You see, most people nowadays so skeptical about make money online. That because so many program online was take first, give later. And a very sad thing about that was so rare that programs give real value to people. And not few were a scam scheme.

If you don’t mind doing other people’s chores, then TaskRabbit is a great option for making money online. Earn extra income by walking your neighbor’s dog or mowing Mr. Smith’s lawn. It might seem like not the most lucrative option, but the top taskers reportedly earn as much as $7000 a month, making this a full-time way to make money online for some.

For those of you who don’t want to come up with a $220,000 downpayment and a $900,000 mortgage to buy the median home in SF or NYC, who don’t want to deal with tenants or remodeling, and who wants to not do any work after the investment is made, check out Fundrise. They are my favorite real estate crowdsourcing company founded in 2012 and based in Washington DC. They are pioneers in the eREIT product offering and they’re raising an Opportunity Fund to take advantage of new tax favorable laws.

If you have experience as a personal assistant, secretary, admin assistant, or something in a similar field, then becoming an online PA may be a great role for you. Many professionals want someone to help organize their business and personal affairs. Jobs could include sending emails, managing financial affairs, booking flights and arranging day-to-day activities. If you are interested in this line of work there are many PA agencies that are crying out for reliable assistants.


But don't make the mistake of thinking this will be a passive source of income—you're on call whenever you have a guest and you'll always need to keep the place clean for incoming visitors. On top of just renting on Airbnb, consider offering your guests paid add-ons, like Lauren Gheysens', Royal Day Out in London, England—where she gives visitors a local's only tour of the city, complete with bespoke 18th century costumes.

Are you an animal lover at heart? How about making some extra money just by taking a dog for a walk or boarding a cat for the weekend? You can advertise your own pet-sitting business on social media, put up signs throughout your neighborhood, or use a website like Rover. They let you set your schedule and adjust your fees as you see fit. If you do use Rover, keep in mind that they take a cut of what you make.(3)

This world is a dangerous place to live, not because of the good people that often act in irrational and/or criminally wrongdoing ways within the confines of their individual minds, core or enterprise groups, but because of the good people that don’t do anything about it (like reveal the truth through education like Financial Samauri is doing!). Albert Einstein and Art Kleiner’s “Who Really Matters.”


There are several ways to make money from your car such as taxiing people, renting your car, or advertising businesses. Run the numbers before using your car to make money, especially if you're driving more than usual because it might cost more than you earn to use your car as a money-maker. Factor in depreciation, wear and tear, and gas expenses when you decide if driving is a cost-effective way to make extra money. 
With Izea, you are getting paid for whenever a company wants to advertise themselves through your blog and/or social media accounts (such as your Twitter account). You get paid electronically, and they always pay. They partner with big name companies such as Marriott, Netflix, Walmart, Kraft, Lego, and more. It's an EASY way to make money through your social media accounts, so I highly recommend you check Izea out.
With Izea, you are getting paid for whenever a company wants to advertise themselves through your blog and/or social media accounts (such as your Twitter account). You get paid electronically, and they always pay. They partner with big name companies such as Marriott, Netflix, Walmart, Kraft, Lego, and more. It's an EASY way to make money through your social media accounts, so I highly recommend you check Izea out.
I’m a 45 year old business owner who also has focussed on diversifying my income streams. I have a short term vacation rental in Florida that I bought for $390k in 2012 and net rental income for the last three years has been growing steadily. 2015 I am at $70k gross right now but should end up at $80-85k with net around $45k plus we use the place about 35 nights a year.

Prior to that group, they had an online community for teachers looking for lesson plans. That probably sounds pretty random, but it's crazy the type of communities you can build and rally people around. If it's something that you're passionate about yourself and you want to connect with others that have that same passion, then an online community is something you should definitely consider.
I got started with Amazon Associates in 2011.  I signed up for an account (which takes less than 5 minutes) and earned my first commission my first week.  I also started a blog about a hobby of mine, and posted my Amazon affiliate links on the blog.  I earned a very small income the first month, but I’ve stuck with it and now earn about $6,000 per month by placing Amazon Associates links on my websites.
19. eBay – Of course you can’t read an article about making money online that doesn’t mention eBay. You can start an eBay store and get serious about it or you can just sell some stuff to declutter your home. Either way, I’ve made my fair share from selling on eBay and it’s still a popular way to earn money. If you decide to start an actual eBay store, you’ll want to find a drop-ship business like Doba that will store and ship items straight to your customers so you don’t have to deal with an inventory.
In 2017, AirBnB purchased luxury vacation rental provider, Luxury Retreats, and other consolidations in the marketplace have happened with leading sites like InvitedHome's acquisition of PPG rentals and Seasoned Dreams' platforms, and Expedia's $3.9 billion acquisition of another vacation rental giant, HomeAway. The market is booming and the time is ripe for entry, no matter how big or small your home or condo might be. 

Have a spare bedroom — or two? Making it available on vacation rental sites can provide a lucrative side income. For example, Airbnb hosts earn an average of $924 per month, according to data from Earnest, an online lender. If you’re a renter, just make sure that everything is kosher with your rental agreement beforehand. Learn how to cash in on short-term rentals.


Wow! What an awesome list! My favorite is the stock photography because I love photography. I have had some success there, particularly with one photo I make some decent income from. I think the key with stock photography is finding a shot that is high demand. Then, find a new unique way to frame that shot. This is the reason my St. Louis Arch photo is a top 10 on both ShutterStock and iStockPhoto. Thanks for the awesome ideas above!
If you’re a skilled worker in a specific niche, like marketing, design, or software development, there are specialty marketplaces that cater just to you. These are amazing places to make money online as you know that the people visiting them are looking specifically for the skills you have. Check out places like 99Designs or Dribbble for designers, Cloudpeeps for marketing and SEO professionals, and TopTal, Crew, or Gigster for high-level software developers. Once you've built up your development skills, you can begin building a brand for yourself as a higher-value consultant and start charging brands for larger projects like implementing an entire WordPress security overhaul or migrating a website from http to https.
That strategy seems waaaayyyy less risky than actively picking stocks of supposedly “reliable” stocks that issue dividends, which could be cut at any time due to shifting industry trends and company performance. Dividend investing feels like an overly complex old-school way of investing that doesn’t have a very strong intellectual basis compared to index investing.
 It’s not really insulting I picked up a Photoshop Element 8 and Cs5 Extended while deployed to Afghanistan and before hand I had used a friend trial version with plenty of free time and nothing else to do you can become very talented in these aspects, I myself designed numerous things for my company and batallian won many awards (including a deployment coin I designed) if you have the talent you do not paticularly need to attend a $63,000 university to prove it, most of these schools (I’ve read many reviews) don’t fully go through many of the aspects required for the degrees they issue and many find they are out of school with no work and a mountain of bills, NO THANKS market yourself well enough and your personal talent can get you anywhere without a degree and four wasted years of your life.
Start by taking other courses you’re interested in: Not only is this important competitor and opportunity analysis, but it also gives you an idea of how a course could or should look and feel. What’s the pacing like? Is it via email, video, in-person chats? Once you understand how you want your course to look, it’s time to decide what it should include. Those same courses are a great starting place. How can you make your course better or more interesting? Do you have experience others don’t?
×