Today is the 10th day into 2012 and I realised that I have not thought out my investment plan, made any resolutions or done anything fruitful in the past 10 days!  And there has been this constant nagging in my head that tells me that I ought to focus my attention on a few things and try not to spread out my efforts too thinly.  So perhaps now is a good time to update on what are some of my thoughts for 2012.  This includes some of my personal reflections and does not constitute any investment advice. Passive Income - Monthly Dividend Stocks and Real Estate Investment Trusts (REITs) High on my list is perhaps creating a passive flow of income for myself either through stocks that provide monthly dividends or REITs which either provide quarterly or half-yearly distributions. For monthly dividend stocks, one has to turn to the US ......