"I don't have a product. I don't even have a product IDEA!" This is one of the most common concerns I hear from people interested in starting a business on the Internet. It's obvious that you need to sell either a product or a service in order to make money. That's where affiliate programs come in. Many beginners start online by joining affiliate programs; you sell another company's product or service for a commission. Affiliate programs are available in practically every market you can think of.