Best financial planning is when we prepare for Bad Times during Good Times. Sounds quite philosophical but unfortunately it is harsh reality of today. Second Income is a back up during bad times or we can say its a blessing in disguise. Second Income should be planned during Good Times. Though it is not easy to generate second income source but it is not impossible also. Let’s find out 5 Ways to Create Second Income source.
With havin so much content do you ever run into any prlobems of plagorism or copyright violation? My website has a lot of unique content I’ve either authored myself or outsourced but it looks like a lot of it is popping it up all over the web without my permission. Do you know any methods to help reduce content from being stolen? I’d certainly appreciate it.
Ask yourself how many hours a week do you spend sitting in silence, coming up with an idea and working on your idea? We’re so busy with our jobs that our childhood creativity sadly vanishes at some point in our lives. There are food bloggers who clear over $15,000 a month. There are lifestyle bloggers who make over $10,000 a month while living in Thailand. And there are even personal finance bloggers who’ve sold their sites for multi-millions.
Rentals, just like stocks, throw off cash. With rentals we call that cash “rent”, and with stocks we call it dividends. A significant difference however is that the S&P 500 has appreciated at ~6% per year (above inflation) for the last 100 years…..Real Estate has had almost 0 growth above inflation. So are rents higher than dividends? Maybe, maybe not. But unless you got one heck of a deal, the delta in rent over dividends will have a very tough time making up for the 6% per year difference in appreciation.
Rentals, just like stocks, throw off cash. With rentals we call that cash “rent”, and with stocks we call it dividends. A significant difference however is that the S&P 500 has appreciated at ~6% per year (above inflation) for the last 100 years…..Real Estate has had almost 0 growth above inflation. So are rents higher than dividends? Maybe, maybe not. But unless you got one heck of a deal, the delta in rent over dividends will have a very tough time making up for the 6% per year difference in appreciation.

Rentals, just like stocks, throw off cash. With rentals we call that cash “rent”, and with stocks we call it dividends. A significant difference however is that the S&P 500 has appreciated at ~6% per year (above inflation) for the last 100 years…..Real Estate has had almost 0 growth above inflation. So are rents higher than dividends? Maybe, maybe not. But unless you got one heck of a deal, the delta in rent over dividends will have a very tough time making up for the 6% per year difference in appreciation.


以我自己为例,我在 1980 年出版了一本名为《Nothing Down: How to Buy Real Estate with Little or No Money Down》的书。这本书后来成为出版史上最畅销的房地产投资书籍。在我收到第一笔版税之前,我花了超过 1,000 小时努力工作才写成这本书,在写书的期间我一毛钱都没赚到。即使在麦当劳打工的年轻人赚得都比我多。但是,我要的不是薪水而是版税,所以我愿意牺牲。这前后共花了两年的时间,我才开始获得这个收入来源;但是等待是值得的,光是这本书的版税就让我赚了数百万美金,而且每半年我就会收到一张相当优渥的版税支票。这就是持续性收入和循环性收入的的威力-这种收入会不断、不断、不断地把钱送入你的口袋。单次收入 v.s. 持续性收入,您是否已经了解其差别了?
Stocks (shares) paying dividends are typically a reliable source of income but they have higher risk of capital losses than cash and bonds. So, it’s wise not to chase yield indiscriminately.  The 10 highest yielding stocks on the ASX 200 (the 200 largest companies in Australia) are shown in the table below.  But their share price performance on average over the last year has been underwhelming, as shown in the far right column:

Came to the U.S. as an immigrant in 1968 from a poor Asian country with only $100 in my pocket. Took advantange of 401-K savings plan by contributing 10% of my pay. My employer matched the first 6% savings (50 cents/dollar saved). Did not know anything about investment so 100% of 401-k money was invested in index 500. No other savings except 401-K. Retired in 1999 at 55 years old with about $1.2 million in 401-K and $450,000 lump sum pension which I rolled over to IRA. I invested this money in bonds and only buy equities (small cap index) whenever value drop to at least 50% of its high. I made a lot of money by investing in small cap index (ticker, IWM). Because of the risk involved, I don’t buy individual stock.
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