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A major concern of mine for people who only earn money
from associate programs is that the rug can be pulled
out from under you.

It's all very well building excellent mini sites and
making sure pages score highly in the search engines.

But what happens if the associate program closes?

What if the affiliate program commissions are changed
such that you earn $0.25 per click instead of $0.50...
but you know all your pay per click campaigns are only
profitable if you earn over $0.35 per click?

Nightmare!

Here's a very real example which I received a few days
ago from c2it, the Citibank-backed person-to-person
payment system (kind of like PayPal)...

======================================================
https://www.c2it.com/

Dear Neil Shearing,

We want to thank you for participating in the c2it (SM)
service publisher program, and to advise you that we
will be terminating our program on September 30th,
2002.

We will continue to pay a $5 commission for every
approved c2it account that you generate until September
30th, 2002. However, international sales must be
conducted before September 30th to be eligible for the
additional commission.**

c2it links will be deactivated on September 30th, 2002!
c2it creative links will be removed from the CJ
interface on September 30th, 2002. You are no longer
authorized to feature c2it advertising on your sites)
or within emails at that time. After September 30th,
you will not be eligible for any commissions on c2it
enrollments (leads) and or c2it transactions (sales).

If you have any questions pertaining to this news,
please feel free to contact me. We apologize for any
inconvenience this may cause you.

We have enjoyed working with you.

Regards,

c2it Affiliate Manager
======================================================

Hmmm, not much fun if you were referring people to
their program and earning $5 per referral!

My advice is to make money from associate programs
while you create your own product.

Once you've launched your own product, you can use
affiliate links to "backend" sell to your customers...
but the "front-end" (your products) give you that all
important income stability.