RE: Steem is - my Passive Income
You can move to South of Texas rather than colder north. In Southern Texas (e.g. El Paso), you can go outdoor 365 days a year. It has no state tax and one of cheapest living cost in the US with decent facilities.
Other passive income source would be delegation to DApp for TOKEN. Though they are risky in a sense you will loose your ROI in bot delegation if they go bust, however, you can earn 5-100X in ROI if one of the tokens get successful. Potentials are: HUNT, ACTIFIT, APPICS, DICE, SMTT (Steem Monster) etc.
However, I have tested both delegation to bots and delegating to an individuals through @minnowbooster and @delegation. It is 2-3% higher API than all the bots. 20% ROI is misleading, you should recalculate your ROI taking sum of profits from 30 days. It is around 13-15%.
Only issue is that you have to delegate and undelegate manually in case of @minnowbooster and @delegationhub. And, also missed profit during the 5 days cooling period.
Try delegating to OCDB as it's a non profit bot, 100% of the profits from the bot go back to those that delegate.
I'm from the Houston area so I'm very familiar with the weather in South Texas it's just a matter of convincing the wifey to move back down there away from here family.
Thanks for stopping by. I need to keep checking minnow booster again, but the fact that your SP is tied up for 7 days has to kill some of your APR, so it would be interesting to see how much you loose when that is accounted for.
Thanks for stopping by and keep on resteeming all the amazing content. I've definitely found some great new authors to follow thanks to your resteems.