Dividend-paying growth stocks and covered call ETFs provide opportunities to generate income even in a declining stock market.We aren't even through September, and the S&P 500 (^GSPC 0.47%) has already produced an 11.2% year-to-date total return (dividends included) at the time of this writing. That puts the index on track for its third consecutive year of higher-than-historical gains. Over the long term, the S&P 500 has averaged a 9% to 10% annualized total return.Outsized gains have made the S&P 500 relat ...