canstockphoto14605821Making a passive income sounds like a dream, but the truth is that it does take a lot of hard work. Everybody is planning for the future in some way or another. At the very least, everybody is thinking about the future – and that is a very good thing to be doing. The trouble is, it can be hard to know where to put your money to make the most of it in the long run. You hear so much conflicting advice that sometimes it’s difficult to know who to listen to and who to ignore. However, some pieces of information remain valid, such as these capital investments you should be making. These are unlikely to change anytime soon, so invest now and invest wisely.

Good Wine

It might sound funny, but this is one of the most lucrative long-term investments you can make in your life. The beauty of investing in wine is that you can be sure the value will increase. Provided that you purchase a few bottles of the good stuff, and keep them safe, they will mature – and so will their worth. Even holding onto an expensive bottle of wine for five years is enough to make it a nice little earner. This one is worth a try at least once!

Social Media

Social media is, as we all know, increasingly prevalent in our culture today. The good news is that this makes it an incredibly reliable investment. Investing in social media stocks is a tactic you are unlikely ever to regret, particularly as they only continue to grow in popularity. If at any point, it looks like their use is declining, then you can sell – and you will still have made a considerable profit.


With silver prices per ounce being what they are today, there has never been a better time to make this classic investment. Silver prices are up, and they are set to climb steadily for the foreseeable future, so this is prime time to get in there quick. At the moment, silver is seeing a better time of it than gold. If that isn’t reason enough to invest, I don’t know what is!

Real Estate

Another one you would find it hard to go wrong with is real estate. Much like social media or a good bottle of wine, the housing market is exponentially increasing. What this means for you is that the earlier you get in there, the better it will be for your bank balance in the long run. You know the old saying: the best time to invest in real estate was yesterday. The second best time is now!

P2P Lending

Peer-to-peer lending began in San Francisco in the mid-2000s, and it has grown strength to strength since then. The idea with peer-to-peer lending is to help those who have been denied loans by the major players. This is done by giving them loans with significantly reduced interest rates. This is one of those genius schemes where everyone is the winner – everyone except the banks, that is.

Recent news coverage has indicated that the banks could be facing a further £5bn in ppi reclaim bills, owed to the residents of Britain that have been victims of payment protection insurance mis-selling.

Britain’s largest financial corporations and banks are planning to set aside billions more for compensation provision  as the financial regulator prepares to implement a two-year deadline for claims.

Influx of PPI Claims?

It is expected that as a result of this implementation of a deadline, and the coming announcement of new provisions set aside for the UK consumer, will spur on an influx of new payment protection claims, giving the victims more reason (urgency & extra provision) to begin their claim.

It is estimated that more than 60% of people that have been miss sold have still yet to claim their compensation.

Online resources such as this ppi calculator are designed to help the process of claiming compensation much easier because the website enables people to receive an estimate as to what their potential claim could be worth to them, in addition to quoting them a no win no fee costing for the work carried out (it also tells them if they have a valid claim, ppi calculator websites are useful for both these reasons).

The news regarding the provisions is expected to be announced in the coming days with the corporations very keen to put the ppi claims scandal behind them due to the heavy financial losses that they have incurred over the last 10 years due to refunding the British public for miss sold ppi.

The deadline is expected to come into being in the coming months, meaning that the British public will be made very aware that they have until around spring 2018 in order to claim their compensation if they are found to have been a victim of mis-selling.

The ppi scandal has been labelled “the biggest mis-selling scandal that the UK has seen” and as a result has cost the British banks billions in payments out to the public, plus statutory interest rates of 8%, plus any charges levied, this has hit the banks hard and there is no doubt the sooner this crisis is over the better for them.

With the average refund being somewhere in the region of £2,750 the prospect of having to refund another few million citizens is going to affect the banks’ income announcements and other representations of earnings, with one bank (that shall not be named) even resorting to a rebranding.

With the regulators’ acceptance of a new deadline, there seems to be light at the end of the tunnel as the scandal wears on with a maximum of a further 2 and a half years being the remaining time left for the scandal.

The consumer will also breathe a sigh of relief from not being hounded by companies that cold call them in order to get them to start a claim, often those companies are much more expensive that the ones you can find online, its advisable to look at multiple companies before a claim is begun for the best compromise between price and service.

It’s recommended that everyone tries to invest in something. Investing in things is a fine way for you to spend your money. And, it’s a wonderful chance for you to make some more money too. One awesome thing to invest in is gold. In fact, if you don’t believe me, check out these incredible reasons to invest in it:

Will Always Have A Value

The unique selling point of investing in gold is that it will always have a value. There will never be a time when gold is worth nothing. As a result, you’re guaranteed to get something when you sell it. It may not be as much as you bought it for, but you will get some money back. It means you won’t ever have to worry about losing all of your investment. This makes it a better thing to invest in when compared to something like the stock market. Investing in stock is risky because there’s a chance your shares can drop and be worth nothing. But, like I said, you don’t have this element of risk with gold. In essence, it’s a safe thing to invest in, which makes it perfect for people approaching retirement.

Different Types To Invest In

Many people think that investing in gold means you’re stuck to investing in one thing. However, this isn’t technically the case. Yes, you will invest in gold, but you can invest in different types of gold. A quick look on will show you that you can invest in gold bars and coins. The difference between the two largely revolves around their shape and size. Naturally, you can get gold bars that are larger than the coins. However, it may be more cost-effective to invest in smaller coins, compared to small bars. Plus, with coins, you can get limited edition and collectible ones that have a higher value. My point is, there’s a lot more to investing in gold than what you might think at first sight. It’s certainly more than just buying and selling gold bars.

Easily Accessible

Another reason you should invest in gold is because it’s easy to get your hands on. You don’t require any special knowledge or certain qualifications. There’s no specific marketplace you have to go to and learn how everything works. You can find gold on the internet if you want. In just a few clicks you could purchase some gold bars and have them shipped to you. Anyone can invest in gold if they have the right amount of money.

Not Overly Expensive

The final reason to invest in gold is because it’s not ridiculously expensive. Granted, you can pay a lot of money for gold bullion. But, if you only want to spend a small amount of money, then you can! Just buy the amount of gold that you can afford. It doesn’t require huge sums of money like real estate investment. It’s affordable and well worth it.

After reading this piece perhaps you’re giving gold a second thought. If you want something to invest in that won’t break your bank or cause you much trouble, gold is your best shot. To take a look at some reasons why everyone should start investing, see here:


canstockphoto11709156Generating a passive income that you no longer have to work daily for is a dream for most people that seems a long way away from achieving. A passive income could mean many things for different people, including early retirement, the ability to quit a job that you’ve been stuck in for years, or simply having an extra disposable income to treat yourself to vacations and other things you’ve been planning to buy once you have the money. Although the idea of earning a passive income might seem impossible, it’s actually achievable to anybody, provided that you know what to do and get the strategies right. Building a website to earn a passive income for retirement can be achieved with the right amount of work and dedication.

Don’t Expect Instant Results

A passive income is one which you have to put a lot of hard work in for initially. When building a website which you hope to eventually generate a passive income from, it’s important that you don’t expect results straight away. It could be a number of months or even years before you start to see any sort of passive earnings from your site, which is why patience and perseverance is absolutely essential. Put in the right amount of hard work and don’t give up, and the rewards will certainly be reaped down the line.

Choosing a Niche

When it comes to generating a passive income, it’s important to choose a website niche which isn’t going to go out of style. In order to earn money from your site, you will need to generate large amounts of traffic, which is only possible when the subject of a site is popular. Discover which trends have longevity and will stay popular, otherwise your site may end up something of a one-hit wonder.

Affiliate Marketing

Affiliate marketing means that you sign up with an entrepreneur or company, and sell their products on your website for a commission. This can be an excellent way of making a passive income, as it’s down to the company or entrepreneur which products to sell – as long as you pick ones that are popular and likely to generate you a decent amount of income. If your website receives a good amount of web traffic, there is the potential to earn hundreds or even thousands of dollars per month from affiliate marketing – all you need to do is make sure that your site is easily discoverable.

Content Marketing

Content marketing is still one of the most effective methods for online marketing, and blogging is an excellent way to make a passive income – although you will need to commit to keeping your blog updated with information and engaging content to keep the traffic coming in. Advertisement space on popular blogs can be sold for a large amount, and there are a variety of different ways in which you can make an income from blogging, including displaying pay per click advertisements, affiliate marketing, text link advertising, or even opening your own e-commerce store. If your content generates a lot of interest from readers, writing an e-book and selling it on your blog is an excellent way of making a passive income, as you’ll only need to write it once! If you’d like to check out information on an entrepreneur who knows the importance of great content and its potential for earning money, see John Lemp.

Comparison Websites

Creating a comparison website is an excellent idea if you are looking to create a passive income. Consumers everywhere are always looking for the cheapest deals on things such as car, home and travel insurance, life insurance, mobile phone contracts, energy bills, utility bills and more. Creating a site where users can compare all of the different providers offering what they need makes it a lot more convenient for them to find the best product to suit their requirements, as well as discover if they could be paying less. With a comparison site, you will earn a commission from the companies which you display when your site generates a sale for them. Creating a comparison website involves a lot of hard work when it comes to generating traffic and optimizing for search engines, but with the right amount of dedication it presents an amazing opportunity to generate a passive income for yourself so that you can put your feet back, pour a drink and retire!

Have you created a website which is generating a passive income for you? We’d love to hear about it in the comments.