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Micky Gramlin
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Micky Gramlin   My Press Releases

Residual Income Ideas

Published on 6/21/2018
For additional information  Click Here


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I am in no way claiming to be a financial guru. I am not personally recommending these programs. As I do my research for my own interests, it is my intent to share with you anything that looks promising and worth the time to check out.

Most of us as small business owners invest all of our monies into our business expecting a financial return. Which is good, but as the saying goes, "don’t put all of your eggs into one basket".

We may all be good at budgeting for our business, coming up with good business strategies for growth and expansion, but there comes a time when we all need to think of our own financial terms and of our needs down the road.

The earlier you make the move into making residual income, no matter how small, the better off you are.  There are many options out there available and my only intention is to find them and evaluate them and share them with you.

Here is the formula that I use to determine how quickly my investment will double:

The rule of 72 is a shortcut to estimate the number of years required to double your money at a given annual rate of return. The rule states that you divide the rate, expressed as a percentage, into 72: Years required to double investment = 72 ÷ compound annual interest rate. 

Rule Of 72 | Investopedia


Any comment, idea or experience in these areas would be greatly appreciated.


Lending Club

The Lending Club. A web-based peer-to-peer lending platform where people come to get loans and investors – if you are looking for high interest opportunities – you can provide the funds for those loans. 

Lending Club provides an opportunity to earn interest rates in excess of 10 percent a year. Myself, I like to see higher returns, but this is an interesting possibility. But use caution, it can also come at a cost.

Lending Club loans can go bad, in which case you will lose principal. But, there are ways to minimize the potential loss.

With an initial investment of $2500, you could buy into many different loans, instead of one loan and eliminate your investment from being wiped out

But even at the risk of default, you’ll likely earn more on your investments at Lending Club than you would at a bank.  

You can open a free account here at Lending Club.


Investing with Fundrise (Passive Real Estate)

Real estate can result in a great source of passive income. For those of us that don’t have the time, the skill, or the upfront money to flip a house, or have no desire to be a landlord - what are the alternatives? 

Fundrise may be a possibility. A real estate investment trust, or REIT.

You buy shares in the trust, then your money is used to develop a variety of real estate projects. When the project turn a profit,  you do too.

“With a REIT, all of the money is going to be invested in real estate. The REIT owns the property, and you don’t have to worry about handling the landlord duties.”

With most REIT’s, you have to have quite a bit of investment up front. Fundrise eliminates that need and lets you get started with as little as $500.

In 2017, the returns were 11.44 percent. Using the “Rule of 72”, your money would double just under 6.5 years. That is not bad at all. At 4 percent, it would take 18 years for your money to double.

“You can also choose a plan that matches your investment strategy:

  • Supplemental Income: This plan puts your money into projects that should start earning you some passive income as quickly as possible.
  • Balanced Investing: This plan leans more toward projects that will increase in value over time and puts less emphasis on getting returns now.
  • Long-term growth: As the name implies, this plan buys you into projects that are expected to increase in value over time. Your immediate profits may not be as high as possible, but the value of your portfolio should be more likely to grow over time.”


There are many different real estate projects to choose from.


Thank you for stopping by!

Micky Gramlin




Residual Income And MLM’s Series 7

Residual Income, A Look At Annuities: Series 8

Residual Income Series, Annuities Continued Pros and Cons: Series 9




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