i have passive income
iam lending my bitcoin in poloniex, bifinex and btcjam
iam invest in cloudmining too
passive investment income is the best but it will require capital and will be at risk for you, why do not you try referral faucet, without capital and profitable?
You are insane to use btcjam to lend your bitcoins, about the two exchanges sure it may be an extra income even with low rates, but if you do have a good portfolio you can make and earn well into those websites taking a small risk just.
In BTCJAM you need to a offer loan for someone to get a profit but its risky you didn't know if he/she gonna pay for it because he/she can make fake identity.