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Chuck Bern
COMPLEMENTARY INCOME
Unlock a World of Prosperity Through Passive Income
Copyright © 2010 Chuck Bern
All rights reserved. No part of this book may be used or reproduced
by any means, graphic, electronic, or mechanical, including photocopying,
recording, taping, or by any information storage retrieval system without the
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quotations embodied in critical articles and reviews.

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longer be valid. This publication is designed to provide compete and reliable
information regarding the subject matter covered. However, it is sold with the
understanding that the author and publisher are not engaged in rendering legal,
financial, or other professional advice. Laws and practices often vary from state
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should be sought. The author and publisher specifically disclaim any liability
that is incurred from the use of application of the contents of this book.

Visit our Web site at www.CompIncome.com

ISBN: 978-0-615-37810-7

Printed in the United States of America

Design Manager – Joe DeAlba


Chief Illustrator – Nina Didenko
Associate Illustrator – Mary Jo Grossi
In memory of Michelle

The bitterest tears shed over graves are for


words left unsaid and deeds left undone.
–Harriet Beecher Stowe
Contents
;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;
Foreword .......................................................................... xv
1 The Imperceptible Eye .................................................. 1
<2!'90$-&#+&14/&='9/&>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> ?
@')"2&A/609/!1'10#!&>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> B
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2 Downsized, Right-sized, Smart-sized, RIF’d,
e-RIF’d ............................................................................ 16

3 What’s Your Number? ................................................ 22


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4 Turn Down the Pressure ............................................ 30
34/&='9/&#+&F4'!$/R&S//"0!6&T5$%2&&>>>>>>>>>>>>>>>>>>>??
34/&A/'"&@-1'1/&U.10#!&>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>?V
34/&W1#$%&X')%/1&U.10#!&>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>?Q
5 We Americans Tend to Plan for Everything—
Except Success .............................................................. 40
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S/')&8-&14/&=)/'1&<070*/)&>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>[Y
6 It’s Never Too Late to Be What You Might
Have Been ...................................................................... 57
W4#)1&F0)$501&\34/&W2-1/9]&>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>VY

0:
COMPLEMENTARY INCOME

Contents
;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;
7 How to Thrive When the World Is
Overwhelmed................................................................ 68
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T/7/)'6/*&8!$#9/&>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>QQ
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8 The Fortuitous Attraction .......................................... 83
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9 Much Maligned and Mostly Misunderstood ........ 96
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F4'!6/&U5)&@$#!#92b&U!/&I/064N#)&
'1&'&309/&>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>DaY
10 The Metamorphosis ...............................................112
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11 A Business for the People and by the
People .........................................................................119
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E#M&<#/-&81&F#9.')/&1#&'&P#NJ&>>>>>>>>>>>>>>>>>>>>>>>>>>>D?H

:
Contents

Contents
;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;
(42&(#5"*&G!2#!/&d501&W4#)1&#+&
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E#M&<#/-&81&F#9.')/&1#&'&S)'!$40-/J&>>>>>>>>>>>>>D?Q
12 An Evaluation Guide to Long-term and
Pro+itable Business ...............................................139
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14/&E##*&>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>DYa
13 Your Complementary Income .............................147
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!*/)-1'!*0!6&14/&3)5/&,#M/)&
#+&A/-0*5'"&8!$#9/&>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>D[`
3)/.0*'10#!&>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>DV?
14 Give Yourself a (Pork Barrel) Break.................164
34#-/&=)//!b&=)//!&('""-&#+&E#9/&>>>>>>>>>>>>>>>>>>>DVV
15 Create Your Own Economic Stimulus ...............172
16 Life Is Short—What Are You Waiting for? .......179
17 Parting Thoughts.....................................................182
Afterword Spread the Word! ..................................185
Acknowledgements ................................................187
Endnotes.........................................................................189

:0
Do not worry if you have built your castles in the air.
They are where they should be.
Now put the foundations under them.
–Henry David Thoreau

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