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Have an idea about making money online but don't know where to start?

There are several ways to make money on the Internet  even if you don't have a product to sell. Keep in mind that running an online business takes time and effort, just like running any business. However, you can get started without any products, which is one less roadblock for most people wanting to start a business.

You don't need to be a computer expert to run an online business, but you do need to either be able to set up a website, or have the resources to pay someone else to do it for you.

Here are 3 simple ways to make money online even if you don't have your own product:

Affiliate programs
Being an affiliate means you are selling other people's products, and you get a percentage of the sale, or you make a small fee for each person who requests more information. Most major retailers offer affiliate programs, along with many smaller retailers (with lots of good products and services). It's not a good idea to try to compete with an established retailer like Wal-Mart, Target, or Circuit City. A better way to make money is to find a niche that serves a smaller group of people, that you can easily reach.

For example, rather than selling sporting goods to everyone, you might start a fishing site that sells canoes and fishing products to people who like fresh water fishing. You can also find smaller retailers who may offer more specialized products to those who know a lot about fishing, while selling the basics from Wal-Mart to beginners.

A good place to start is Commission Junction (http://www.CJ.com), and you'll get an idea of the products you can offer. Be creative in finding your niche, start with something you know a little about, or enjoy doing, and before long you can be making money online!

Adsense from Google
Adsense is an advertising program from search engine Google.com (there are other advertising programs you can offer, but for now Google's is the biggest and most popular). By placing ads on your site, you earn money for each person who clicks on the ad. Google will automatically determine which ads are best for your site, based on the topic of each web page. All you have to do is place the code on your web page, and Google does the rest.

You can also sell individual ads, and determine your own terms and price. But using a program like Google is simple, and if your set gets a lot of visitors, you can make good money. Again, the best way to succeed is to find a niche, create a website around that topic, and Google will be able to determine the best ads for your visitors.

Write a How-To booklet
If you don't want to sell other people's products, but don't have a lot of money to create your own, a simple way to get started is to write your own how-to booklet. Pick a topic you know enough to write about, and start writing. Information products are always good sellers  the key is to solve a particular problem. How to catch fresh water fish or How to plan a fishing vacation on a tight budget are possibilities for the fishing niche mentioned above.

To learn more, do a search for creating information products or writing e-books, and you will find lots of resources. Once you create your product, Clickbank.com offers a simple service to help you sell your information product, and there are others to help you get started.

Again, be creative, there are lots of problems out there that people need help with. And offering a good solution can make you lots of money!

Making money online takes more than just building a website. You need to pick the right products or services. Then you need to find the right audience to sell those products and services. Then you need to promote your website to enough people so you can make money. For now, you should have enough ideas to get you started  even if you don't have a product to sell yet!