www.moneycosmos.com I have been using this affiliate program for more than 8 months now. I confess I am only good in promoting free stuff, and this program has worked for me You need not have to have your own website for this one. I think its a good way to start of with affiliate marketing Its free to Join, and minimum payout is $25 in paypal. Being an Indian AP, they also pay check to Indians. They also give us an impressive 20 % of our referral earnings , and I am looking for a few here, and I would appreciate if you ask me for my referral link Here is the screen shot of my earnings from this program - ALL of these earnings are form promoting those FREE stuff :