Finally, I conclude that I have a lot at home. Case additional income, should be done (mostly) from home. And I also have a good look for other income, without having to work. The term term passive income …

Passive income mothers-style home to me is to invest. By investing, the money we will continue to grow. Why is it, the term ‘investment’? because if I use the term ’savings’, then the assumption is to use financial instruments banks.
I tried to record multiple-style investment instruments mothers, plus the pros and cons:

1. Land. Obvious advantage is the price of land will rise and hold in the long run. And while we’re careful when buying, of course there will be no risk would be taken by other parties. The drawback: difficult to get liquid funds. If we need money, not necessarily a buyer in a short time. Especially if there are natural disasters Lapindo mud model. Wow, who would like the soil?

2. House / apartment. Houses here are second homes means other than the house we occupy. Its function is as a rented house. Of course if there is a tenant, each month / year we will earn cash as a passive income. It could also be that we’ll need much, it sold just stay …
The downside is clear: if the tenant naughty, we are the losers. There was a colleague of mine, had a rented house. It turned out tenants escaped by leaving arrears of electricity and telephone are worth millions. Instead of a profit instead of the owner finally had to lose.
If you have more than one house, do not leave empty for a long time. Not afraid to be a haunted house, but usually empty house would be more easily damaged than the uninhabited house. So, instead of bringing money, even draining money. Better to rent it … with a record of all the risks that might arise had we anticipated.

3. Commercial / shophouse. Nice to have this kind of investment model. If we are keen to see the location, of course we will always find a tenant. The risk, roughly equal to invest in the house / apartment.

4. Gold. Well, this must be the favorite of mothers. While invest, could force. We all know, there never was in history, gold prices could fall. Even as world crude oil prices fell, gold prices still rising. It features clear: enhance your appearance, improve the ’status’.
The drawback: difficult to keep. Missing a very big risk. Can because we are careless storage, or because of theft.

5. Securities. Can be a debenture, bonds, mutual funds … .. that this is not all mothers know. Only the well informed are understood. The surplus is clear: to become the source of our money at a higher sales price than the price when we buy. The drawback, of course we were wrong when determining the period of money will be used by the investment model, might hurt fifteen! For example, take the mutual fund investment in stocks, so that profits can be used next month. Lha, next month, the stock price has fallen dramatically, it’s over! Just info, stock mutual fund is only suitable for medium-long term.
Another drawback is that we can be fooled by agencies offering of securities of this.

Well one more product that is currently ngetrend mutual funds. Mutual funds have the advantage of flexibility in terms can be cashed at any time, have a variety of risk level course with a variety of return is also tax free!
Mutual fund or mutual fund is basically a financial product that applies the principles of gado-gado. It means the contents of the mutual funds could have been different. In other words, mutual funds are the simplest way to spread risk (diversify) stock mutual fund portfolio may consist eg extract 30 kinds of diverse stocks so that if the price of ABC stock crash, the stakes are not so tasteless as any other mutual fund may rise. Money market mutual funds

Instrument contains a bank certificate of deposits and Indonesia. This kind of mutual funds have no risk of losing principal because it is so just deposits and SBI alone. These mutual funds typically offer rates of return are slightly smaller than the deposits but has the flexibility of the withdrawals. Suitable for investors who are reluctant to bear the risks but want to get flexibility.
Fixed Income Mutual Fund contains financial instumen with a very low risk as government bonds, bonds mixed with korporate and SBI. Given level of expected return is better than a bank. But should note that fixed-income mutual funds still have a risk of capital loss is very low even considering the elements that are volatile bonds reversed by the bank savings interest. Mutual funds are suitable for low-moderate risk investors. (investors are willing to accept low to medium risk). Stock mutual funds contain several types of stocks. Usually a stock mutual fund contains at least 20 different stocks. These mutual funds are volatile or fluctuating significantly. However, within 3 to 5 years even more mutual funds typically offer a yield just under or very good interest. In fact there was a time to reach 60% even more. This type of mutual fund is not suitable for those people who suffer a heart attack, those people who easily worried or anti-risk investors. But this mutual good if you want to accept higher risks, or we want to save money in the long run. Mixed mutual funds (Managed Fund) Mutual funds are mixing stocks and bonds. 30-50% is usually allocated in the form of separation in the form of bonds remaining. Mutual funds are good for people who do not want to take high risks but still hoping for good returns back from the funds saved in other words high medium investors will love this instrument.