Passive income or Kiyosaki in Russian

Briefly retell paradigm Kiyosaki, the majority of people (' poor ' ) takes its accumulation in the passive, spending the last money to buy things which will be used solely for personal purposes ( car, house, mobile phone, a trip to the sea). It is in the eyes of the ' poor ' people and is the pinnacle of development - to earn and spend. ' Rich ' people spend on themselves only surplus. The main objective of the development of a rich man - money to create new money by creating a surplus that can already be spending for personal use.

T. e. summing up the ' poor ' people to solve their problems have to constantly work hard ( to death ). ' Rich ' man all his life creating sources of income, to have a regular source of funds, ensuring a comfortable life.

Continue to discuss this topic can be infinite, but the purpose of this post is not it, but an attempt to describe the potential sources of passive income in relation to Russia. Unfortunately, all that tells in his books, Kiyosaki, almost nevoplotimo in the Russian context. We do not have a cheap mortgage (3.5 %), we have virtually no opportunity to buy property without a mortgage, buying precious metals in the short term, Russia is unprofitable, and in the long term is almost no profit because of metals is realized only at the level of banks . So almost all the advice Kiyosaki does not apply in Russia (I think that in the CIS countries the situation is not better). There remains only one piece of advice - start thinking about how not to save money, and multiply!.

1) Pension.

For years, even decades hammered into us this thought: ' work, but after 60 the state will take care of you '. Actually, the comma after the word ' play' and the break of reality. At retirement, we expect that the state will take care of us, but working, we do not make any effort to make our pension was large enough.

I will reveal the great secret. State support for senior citizens is greatly exaggerated. All of us during the year are making a small amount in the form of pension deductions from wages to the pension fund. Yes, it is controlled by state-owned company, but the essence remains the same - for the entire period, as we work with some of our money on deposit and accumulate on reaching retirement age begins to be paid back. T. e. Our pension - it's not a gift from the state, it is our money that are held and how to BE multiply, and then returned in the form of pensions. So thanks for a low pension, you can only itself. Each year, every citizen receives an extract from the pension fund. I watched her - the accumulated amount is not enough for me even on my 1 month of standard expenses.

In the ' enlightened ' countries, pension fund significantly more. In addition, there are private pension funds and engaged in not only saving money, but their multiplication. In our - pension tax so ridiculous that it does nothing to control the. Correct the situation can be a bit part in the transfer of funded private pension funds, and voluntary contributions to increase. You can easily write a statement at work and to list two to three times more. However, I believe that pension funds - is for the lazy. In addition, I am embarrassed by the idea of ​​retirement savings: you invest in penny, and then to get a penny back - sometimes you want to get all the collected amount on hand. So quietly put retirement on the last place among the sources of passive income. But if you are other ways, too, do not like - try to have your salary was as white - this ensures the maximum for your contributions to the pension fund.

2) Deposit.

I, like Kiyosaki, an extremely negative attitude to mutual funds. Worst investment does not come up with. Or work directly with the shares ( if money is not enough, there are always brokers), or not at all. But mutual funds - is meaningless and also quite risky investment.

But with deposits now everything has become much more interesting. First, the state guarantees safety of deposits up to 700tys. rubles. The second point on the background of the crisis have increased deposit rates - for now it is 15% to 20%. Third, again, the crisis has brought about changes: now we can conclude a deposit agreement, which the dissolution does not deprive you of accrued interest.

Let's say you have 1 million. rub. Open up a 18% deposit - get income 180tys. / year. or 15tys. / month. You say 1 million. - A lot? . rubles (!), and thus guarantee a pension of 15tys. rubles / month. rest of your life. In my opinion, a very good pension.

In addition, when the time comes to move to the cemetery, you are sure that you will not be buried in a plastic bag, and relatives, even shed a tear avaricious, because the inheritance is left after you have a very decent.

Thus, the two deposits (or three?) To 500 thousand. solve your problem on the rest of your life. A great passive income for the lazy. Although this is not the way, from which I am personally delighted. But for the average employee with a salary of 15tys. rub. - The most it.

3) Work for the sake.

Dream of office plankton. Such work is not to work, and wages paid. In fact, such work is complete. She paid not very good, and sometimes even takes time, but very very free freebie is no.

It is difficult to generalize as a passive income, it turns out, so I'll just tell you how it happened, I. It just so happened that I was in my area is good and qualified specialist. So on my first job I went to meet them and keep jobs and wages, but the time I have - on call. Over time, I had the second such work. In sum, they bring around 11-12 thousand. rub. Works - 1-4 times a month to go for an hour or two at the same place and time in a month - more. My work often has the character harder to wipe the screen (I'm exaggerating ), but the salary is pleased with their regularity. Moreover, we must bear in mind that both organizations are still paying taxes for me - pension increases. ).

4) Business.

One of the most common ways to create passive income in Russia is today a business. Big or small - does not. Important: to create, promote, bring to a guaranteed income. Further variations: to find the manager, to put it so that only the monitor. and m. n.

4a) Rent.

The most simple and easy option of earning on the basis of their own business. Acquisition of real estate in Russia for this purpose it uninteresting: odnushki price is 15 -year lease - too big payback. But some are lucky and they are not the only flat due to various intricacies of relationships.

As of today, and I look to the real estate market. The current situation has forced builders to drop prices, and now there is a favorable situation for the purchase / construction of real estate. Another not so good as we would like, but should follow. Anything can slip. In addition, the market should start to grow confiscated property, and there prices are expected to more than enjoyable.

4b ), mini- shop. shop.

Being a shopkeeper nestydno. However, today the young people in this sector a little bit - still, all of the Internet and Bring govnosayty in Sapa. Recently, I showed you blog seller of meat, but is rather an exception to the rule. And in vain.

Small shops are stable enough to return, in terms of moving mobile, low-cost. Yes, there is a sea of ​​hemorrhoids, as in any business. But the scheme is very simple: store- wholesaler - buyer. Once a week pick up the goods on the base, put up for sale the seller.

To put such a business and bring it to profit, takes about 5-7 years. Some - faster, but we will focus on the top bar. In the future, the workflow becomes so routine that you can do it with one hand or even delegated to mercenaries.

In fact, something like running any other intermediary business, but the shop is much more stable: eat and drink, fortunately, people will always. Yes, it can be placed next to the super and the lure of all buyers, but may run over competitors or criminals. But to solve these problems in the fire regime, and you will have the best 5-7 years. Then - this is just routine - you will be hard to impress.

Should we expand? . Or maybe you have never seen the skills to manage. But, IMHO, the network Chipka the city - this is not the format for the creation of which it makes sense to apply management skills.

4c) and the Pyramid of Investments.

If you throw the various fraudulent schemes, is a lot of options, how to be at the start of a large and stable business in the future to receive dividends from it, not taking a direct part.

This MLM company, for example, the same or Oriflame Faberlic. This investment involved in startups. This and various refovodstvo. Getting involved wherever possible, at least in percentage, half a percentage point, a quarter per cent, you warrant to a relatively calm and stable income. Yes, as every investor, you will need to keep your nose to the wind and keep track of their assets ( and increase or reduce them). But it already does not require regular continuous participation. Rather, it is a nice hobby.

---------.

Of course, one can read this, start vopet: ' No one can believe in! . Actually, once you've started this screaming is just close this blog, remove it from the reader and easy to work in an office or a factory, hoping that you will still grab the opportunity and perepadet rest of his life, nervously twitching on call at the door, spend the . But I want to believe that something is changing in this country and every day those who are counting on help from above, smaller, and those who make their own lives and not just as a long-term perspective - more. Good luck!.

---------------------------------.
Sign up. to update the blog with one click!. Read on Twitter!. ::. Advertising blog.

Arranged a holiday

But upstairs neighbor ( a young boy ) gave a party with friends - heard loud shouts and blows on the floor with heavy objects. Seems to throw some crap.

Competition among dealers, refs continues

peps. 10 bucks. For him. Dimunga. with a score of 6. 7. It is obvious that without the dealership to win the competition will be very difficult to.

Changing conditions at the dealership does not affect competition. The winner will receive a prize, and (if you will sell more than 10 copies) and a prize for the contest.

Tongo. - Answer me and tell the data to host. He began to fill Multiportal-X buyer. And you ought to win on his chest.

Wireless Internet Radio

Wi-Fi support allows the contact to Sirius internet radio in any location where a wireless network is available. The package also includes software Yahoo Music Jukebox.
The market of digital radio is growing rapidly. Shipments of digital devices, satellite and terrestrial radio, which is popular in the UK is expected to reach 22 million. modules in 2009.
Source:. Nag. ru.

Russian medicine: it is not treated?

http://www. novayagazeta. ru/data/2010/032/20. html.

Yeah, yeah, OK, and others...

Yeah - a joyful acceptance. Like, dude you just guessed, I confirm!.

Ok - an acknowledgment of receipt of information.

Yes - a neutral consent.

I agree - poddakivanie. A more emotional version of the Oak. But without the shades in the Aga prisustvuyuschih. Rather, a business agreement with the confirmation of the information received.

---------------------------------.
Sign up. to update the blog with one click!. Read on Twitter!. ::. Advertising blog.

Староновогоднерождественская Friday

I will start with a.
NG -. quietly. , Christmas -. in no way. , Employment -. difficult.

Subjectively, the selected winner gets an invite to the club and prepayd 300 rubles kazapu.

It's your turn.

---------------------------------.
Sign up. to update the blog with one click!. Read on Twitter!. ::. Advertising blog.

The mistress of the house

A little thought, dug in memory, it was found that over the last 10 years I have seen alive a woman whose house is clean and neat, once or twice. But women who work and travel by car - 9 out of 10.

The world is changing.

Tarja and Kipelov.

Tarja Turunen of rehearsals with the band ...

I arrived in Moscow yesterday, is a beautiful summer sun shines. I love it!.

In fact, I was very lucky because all the flights to Buenos Aires, the day before and the day after my arrival was canceled due to the ejection of volcanic ash Chilean.
The reason for my trip to Moscow:.

Today I had a good rehearsal with the Russian group ... They are very good people. I am very worried about his Russian language, but the band told me that I am making progress....
On Sunday in Samara at the festival ... My first time taking part in a Russian rock festival, is very glad.
According to the official website of the festival, they expect 250,000 people this time! . A good way to start a summer show. This is fantastic!.
Now I'm waiting for my flight to Samara, where the meeting of their group, and my brother Tony, who at the next show will be playing keyboards. (...).

We Will Rock in Samara a few days!.
With love, Tarja.

Source:. Kipfan. com.
source:. Blog Tarja Turunen (in English).

Ps: Alas, ' Rock on the Volga ' I'm not going this year = ( trip canceled at the last moment. I'll be watching. Internet broadcasting. , And the rest of what I wish.

Marketing of the brain

Recently, more and more often in the eye to throw people who suffer brain marketing. These are people with bloodshot eyes, leaning forward slightly, barely hearing terms like ROI, AIDA, reverse, creative. They fill a seminar Mann and Gandapas, buying tons of obscure man in the street literature and are aypady bald, even where they did not take.

When I started the business, about marketing no one knew anything. Almost everything was done on a whim, and the only book where the word ' marketing' was a textbook Kotler - the book is really worthwhile. However, Mann was already playing coach. But the real blossoming of marketers, as they like to call themselves took place in recent years. Previously, on Russian soil it was easy to do any business: do not throw it into the ground, sprouting all. And died too, but not because business is bad, and the conjuncture was unfriendly - it is easy to start, hard to keep.

Today everything has changed. The market has stabilized, well established rules. Now hold the lighter, but more difficult to start. Now, if the idea is to be creative. If you hold, then the theory. Let the long- outdated, but who in lapotnoy Russia knows about it!.

Being a marketer has become prestigious. After all, marketing - is not the manager. Managers of many, and marketers, merchandisers, promoters, creative directors, art directors low. Garbage, they all do the same thing that was done to them, the manager Bob, but in fact simply sawing the advertising budget, but marketers. In advertising agencies such experts called marketoluhami. How else to call a man, if he does not understand why buying this or that service. Just how it should be. Before he bought, and he will buy.

One of my clients kept a marketer umnen'kiye girl with shining eyes. But it forced her to make flyers and run for advertisers. He did not understand her high gusts. Do not imbued with sympathy for her serious illness - marketing brain in the terminal stage. The girl eventually quit.

Most successful marketers saws corporate loot. Someone with a benefit for the company, some for the benefit of his pocket. I cut the stories - the car with a cart up to the family contract, when his wife rulila advertising agency, and her husband poured her all the orders of a large enterprise, where the marketer. Needless to say, that this advertising agency had only one client.

But now people itching to do with the marketing of the brain. Just saw them get bored, and sometimes disgusting. They are ready to fight for the idea. So think about it, what is worse for the company - a thief, or an ideological fool? .

Overly ideological people always scare me. I remember that flew at me with his fists sektantka on the train, when I showed not seen it before a good knowledge of the Bible and put it maloznayuschey stubborn fool. Although like and did not put - she ran. Exactly as you can not question the principles that people profess to marketing of the brain. Impressionable and legkoubezhdaemye, they suddenly become stubborn and hysterical, is only slightly undermine their installation.

I can hardly understand directors who not only hire them, but also allocate money to. sectarian. marketing literature and countless seminars. They do not learn anything. Simple things are commonplace for some reason do not fit into their heads, giving memorized phrases from seminars and books. When they begin to discuss, the feeling that talking to arrogant parrot. An important, self- righteous, but still parrot.

Of course, I need a mountain of marketing in the life and development of any enterprise, but in most cases, the paradigm can be summarized as ' do your product is good, speak well of him and people will buy it and talk about it '. To do this, neither I nor anyone else not have to pass two dozen workshops. And I do not remember any professional marketer who has created a global company if this is not a marketing agency, although, of course, Leo Burnett and Ogilvy in any way deserve respect.

Home security system AlertMe - a solution based on mobile phone

Recently, on sale of home security systems and monitoring AlertMe, working with mobile phone.

Installing the system is carried out independently without the need to run wires, drill walls or time off from work to wait for the optional installers. The system works with sensors and transmitters keys that send alerts via SMS- message or e- mail. You can also make additional settings for a particular group of subscribers alert to the real-time to keep them informed of developments. This eliminates the possibility of false positives, but the creators have made the system much more advanced than a standard alarm: If the secure - key charms of all family members, then, for example, parents can receive timely notification of the fact that children are safely returned home.

The system is sold AlertMe manufacturer's web site at a price of 399 pounds ( about 800 U.S. dollars).
Price: $ 800.

Pro Gamer Keyboard

Ultimate weapon - the keypad is specially designed to carry death and destruction on the enemies of the network battles and all the bad.

The keyboard has 20 keys, including space and shift, as it is possible to program three different modes of operation, a total of up to 144 possible commands. Under the thumb is a comfortable four- hat (joystick). The keys have a backlight, which you can choose the color - a perfect godsend for night gaming sessions. With all this power under the left hand of the enemy will never leave without a couple extra holes in the body.

A great gift for fans of FPS - because the price of Pro Gamer slightly less than 2000 r!.

Alutek ALU 760 gift for the movie and music lovers

Long gone are the days when computer assembly was considered somewhat complicated and requires special skills - now collect the system unit of the selected components can be any schoolboy. The problem of compatibility is practically eliminated, and the producers of ' iron ' out to all the higher level of quality. But here's the rub - a balanced media corps, on the basis of which you can build your system, now is most lacking in the market and the demand for them grows more and more. Realizing this, the manufacturer Alutek, specializing in more precisely on multimedia packages, today presents its new model - ALU 760.

The basic concept of multimedia solutions lies in the fact that the computer has long ceased to be a thing in itself, and is the center of the multimedia world, often surpassing the popularity of all other home devices. Therefore, it is natural that more and more computers are close to the appliance and are as simple to use and manage. Requirements for noise reduction enclosures are also growing more and more, t. to. background noise spoils the atmosphere of music or movies. All these requirements were taken into account by engineers when designing the model Alutek ALU 760, which turned out really high-quality.

The front panel and the whole body is made entirely of aluminum, which has good thermal conductivity, which will provide a competent heat removal from the system. Proprietary through IMON remote control allows full control of watching videos, listening to music, as well as power system. Built-in card reader, USB 2. 0 on the front panel display for inside information and the ability to connect additional cooling systems make this building a great gift for all movie and music lovers. The cost of the device with the ability to purchase in Russia: 7800 rubles.

mobiledevice. ru.

CES 2008: tally the results of the competition in any place

Sometimes new technologies can be applied to almost any area of ​​life by. There were even umbrellas with the ability to connect to the Internet. Now is the time of interesting and unusual gadgets for sports fans.

The company Ambient Devices provides the device, and Football ScoreCast Baseball ScoreCast, which looks like a portable weather station, but instead of the weather forecast for tomorrow, they show the results of football and baseball games (currently only for U.S.). Information is transmitted over wireless networks, access to which is 90 % of the territory of the United States. Therefore, for the use of devices do not need a computer, simply insert batteries and turn on. Pretty cute.

mobiledevice. ru.