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Ask HN: Your Passive Income Suggestions?

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Re: Ask HN: Your Passive Income Suggestions?

#131

Post by AJay17 »

J-dawg wrote: post #86
AJay17 wrote: post #64

Earlier quoted context omitted.

Thanks! It's anywhere from $100 to $200 a month, more around Christmas time.

This is great! Is all of that income from affiliate links? Does it take up a lot of your time curating the list of items? Where do you get most of your traffic from?

99% of the income is affiliate links. I have adsense on there, but haven't really made any money on it. Finding the products is the worst part about it, i kind of restricted myself with the "under $15" theme. It sat dormant for months, but I'm going to try and get a new product up every day. As far as traffic goes, I kind of got lucky. I had an old Tumblr Blog with a domain name years ago. Tumblr used to have this program where a few people were curators for each category. This lead to a ton of followers and reblogs. They shut that program down and I've since stopped working on that blog, so I forward the domain to this new site. Still gets traffic daily. The rest is pinterest.

Re: Ask HN: Your Passive Income Suggestions?

#132

Post by nicobn »

mattzito wrote: post #89
throwaway600613 wrote: post #25

Peer-to-peer lending can potentially be a great source of passive income. For example, if you invested $100,000 in lower grade (C-G) notes on Lending Club with an aggregate 12.0% net annualized return, you'd receive approximately $6,000 in cash payments each month.

It's worth noting that the money received from the peer-to-peer lending counts as income, and hence can be taxed quite highly if you're already a high-income individual and/or live someplace with a state income tax. I invested a moderate chunk of money in lending club, and I don't regret it, but between the defaults and early payoffs, I ended up at around ~8% return, and then had to pay income tax on that 8 percent,…

One strategy is to use an IRA on Lending Club and a taxable account for lower yield investments that are taxed as capital gains.

Re: Ask HN: Your Passive Income Suggestions?

#133

Post by stuxnet79 »

nsxwolf wrote: post #53

Sounds like it's just really, really hard to get people to hand you money. If you already have a paying job, you're way ahead of the game. Maybe the best strategy is to just look for higher paying jobs.

I'm slowly coming to the same conclusion. Within my circle it is fashionable to moan about the "9-5" and we spend hours having grand dreams of what it would be like to have our own thing going and earn money while we are asleep. I've started a very tiny venture right now and it is turning out to be a lot more difficult than I thought.

Looking for a higher paying job (if money is what you want to optimize) is never a bad idea, regardless of whether your future plans involve entrepreneurship.

Re: Ask HN: Your Passive Income Suggestions?

#134

Post by scardine »

benmanns wrote: post #97
scardine wrote: post #36

Earlier quoted context omitted.

Depends on how much risk you are willing to accept. For example, the baseline interest rate of Brazilian Government Bonds are paying 14.25%/year.

Often this means the market is expecting ~13-14% inflation against the USD.

It is more like 7% inflation in the local currency plus a 7% premium for the risk of default.

The exchange rate is much more volatile than the inflation rate alone, but it is relatively easy to hedge.

Re: Ask HN: Your Passive Income Suggestions?

#135

Post by stcredzero »

mcshicks wrote: post #23
jstanley wrote: post #10

Earlier quoted context omitted.

Any low-fees index fund.

Vanguard had very low fee reit index funds. If you want to generate income it is a good option (as opposed to stock index funds) because reits are required to pay 90% of their income as dividends. You can look at all the historical dividend data on the website

Is there a Bay Area REIT index fund?

Re: Ask HN: Your Passive Income Suggestions?

#136

Post by bozoUser »

mattzito wrote: post #89
throwaway600613 wrote: post #25

Peer-to-peer lending can potentially be a great source of passive income. For example, if you invested $100,000 in lower grade (C-G) notes on Lending Club with an aggregate 12.0% net annualized return, you'd receive approximately $6,000 in cash payments each month.

It's worth noting that the money received from the peer-to-peer lending counts as income, and hence can be taxed quite highly if you're already a high-income individual and/or live someplace with a state income tax. I invested a moderate chunk of money in lending club, and I don't regret it, but between the defaults and early payoffs, I ended up at around ~8% return, and then had to pay income tax on that 8 percent,…

If you re-invest the returns are you still taxed on them?

Re: Ask HN: Your Passive Income Suggestions?

#137

Post by jcslzr »

minionslave wrote: post #80
jcslzr wrote: post #67

I made a website with a free exercise to learn to type faster: http://www.learn-2-type.com ...sadly a lot of people are using ad blockers

I turned off my ad blocker for you site, and clicked on the ads. Hopefully you get 2 cents.

thanks dude, living the vida loca now

Re: Ask HN: Your Passive Income Suggestions?

#138

Post by kingnothing »

pitchups wrote: post #33
gt565k wrote: post #12

Earlier quoted context omitted.

https://www.wealthfront.com Haven't tried this myself, but Tim Ferriss seems to advertise it a lot and I have a few coworkers that use it. Minimum is $500 with no management fees (up to 10k I think)

Looks interesting. However, could not find any info on their past performance. Is that info available somewhere for review?

In the past 12 months, I've been up as much as 4% and am currently down 11%. The allocations in foreign stocks, emerging markets, and natural resources are killing me lately.

Re: Ask HN: Your Passive Income Suggestions?

#139

Post by lexicality »

conceit wrote: post #115
tomarr wrote: post #85

Earlier quoted context omitted.

Any guides or links to get started on this kind of thing?

Either he means exploiting bonus programs for new members, which is hardly sustainable and unless there's an endless supply of those. Or it's your regular arbitrage gaming, which is also hardly worth the effort and not free of risk. If it's an arbitrage scheme in an exchange, where the quotes might vary over time, your are gambling and at that you are probably playing the bookie who always has the better latency.

There are various sites such as oddsmonkey that do a lot of the effort of finding price disparities for you, so you can arb with confidence. Regarding bonus arbing, as long as you don't get banned lots of places perform regular stunts with free bonuses for inactive accounts to try to drag punters back in. (Disclosure: I work for an exchange)
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