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Ask HN: Your best passive income sources?

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131–140 of 235 posts

Re: Ask HN: Your best passive income sources?

#132

nflbyeweeks.com - gets over 1,000 uniques each day and generates between $2 and $5 each day with Adsense. Not overly impressive but it's still nice.

You should split test some NFL jersey e-mail submit offers from CPA networks, instead of Adsense.

I bet you will make way more money from those 1,000 daily uniques with a good jersey e-mail submit.

Re: Ask HN: Your best passive income sources?

#133
post #38

Earlier quoted context omitted.

Care to expand on this?

Municipal bonds, loans to your local government are free of taxes (both state and fed). I have excess cash that would normally be in certificate of deposit in muni bonds currently making 3% tax free. There are risks, best to consult with a money manager if you are uncertain on how to gauge the associated risks.

Indeed, municipal bonds are much riskier than good ol' Treasuries.

http://www.nytimes.com/2012/08/16/business/municipal-bonds-d...

Re: Ask HN: Your best passive income sources?

#135
post #73
post #38

Earlier quoted context omitted.

Care to expand on this?

State and municipality bonds are sort of like U.S. Treasury bonds, except they're issued by a state or local government. They pay a fixed interest rate, but your interest is usually tax-free. Of course, they pay a lower interest rate than taxable bonds. Thus, the only reason these tax-free bonds would be better than taxable bonds is if you are in a high enough marginal tax bracket to compensate for the difference in…

[deleted]

Re: Ask HN: Your best passive income sources?

#136
post #126

Earlier quoted context omitted.

Indeed. With a historical performance of 9% a year returns and a 100% employer match, you'd have to be pretty pessimistic about the future of the economy to not have a 401k. (Though one could argue that taxes will be higher in the future, and so paying taxes now might be better than paying taxes when you take the distribution.) You don't even have to manage the split yourself, there are plenty of mutual funds that ta…

You still have to be pretty pessimistic to think taxes will rise faster than your rate of return!

The point of 401k is that you compound the growth on the deferred tax money, and then pay much less /present value/ tax once you retire. Index funds and high yield bond funds give you low overhead with almost no "gambling" element. Drawbacks: Limited maximum contribution, very long deferred gratification, vulnerable to future policy changes.

Re: Ask HN: Your best passive income sources?

#139

Real estate - I used to own two flats, and get $200-$300 from each one of them. I recently sold one though - I think I can make a better use of the money by other means. iPhone/iPad apps - I did two or three successful apps, right now they bring in $20-$40 daily. The last time I touched/promoted any one of them was last December, and the sales are quite steady now. I bought some S.DICE shares ( http://polimedia.us/bi…

Can you tell the name of this startup?

Re: Ask HN: Your best passive income sources?

#140
post #101

Real estate. (Ok, not 100% passive, but what is?) You can buy a duplex for not much more than a single family house in many US cities and, thanks to the low interest rates for an owner-occupied mortgage, rent out half and live for free. Unlike tech, you will not have a giant windfall with real estate; but also unlike tech, it's very easy to price your product, find customers, and figure out what your cashflow will be…

A word of caution: unless you have the personal skills to deal with tenants, do not make the mistake of thinking that real estate is passive income. Like any earning occupation, landlording takes attention to detail, the ability not to procrastinate, and people skills. Unlike most occupations, landlording will bring you into contact with some of the worst people the planet has to offer, under what has to be the worst…

Best prospect for a landlord I think is to set up establishment in a neighborhood near a good school and only rent to students or recent grads working in the area.
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