Live The Laptop Lifestyle
Profitable & Reliable Work-From-Home Business

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THOUSANDS
PER MONTH

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$3,499

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Finally A Business With Minimal Competition!

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ATTENTION: People looking to make money online
" Learn how to make that J-O-B crushing

INCOME working online"
WITHOUT spending tons of time and money

Introducing Living the "Laptop Lifestyle"- pathway to financial freedom
By joining the Living the Laptop Lifestyle team you will learn from the best, and be shown the way to bringing in consistent monthly income.
... No more worrying about paying bills.
... No more wondering if this is the right program for you.
... No more being able to provide for your family.
The process has been broken down to easy, simple instructions that anyone can follow.
Living the Laptop Lifestyle team Crushes the Competition
Although joining the Living the Laptop Lifestyle team isn't the only pathway to financial freedom on the market, it's the best.
Why?
Because this option to financial freedom offers you a team and a simple easy to follow plan.
My competitors' fly by night, here today gone tomorrow cash grabs don't offer anything close to this.
Quit your job and live life the way you want to.
All for less than the cost of a nice night out you can be on your way to financial freedom.
I know what you're probably thinking right now.
Sure, it sounds great, but how do I know you aren't just like every other slick guru out there??
Because it's not just me, but a team of people who were once exactly

were you are today.
If you have access to the internet and can return an email

you can do this
Living the Laptop Lifestyle is super easy-to-use.
... even if you've never made a dime online.
... even if have been scammed in the past.
... even if worried that you can't do this.
The FASTEST Way to quit your job
Most people limit themselves by believing that good results take a long time.
While it can work that way, it doesn't have to.
Not when you have a dedicated and supportive team behind you all the way to success.
Think about it.
By folowing a proven plan laid out in front of you , you get an immediate boost in confidence as well as your bank account.
Not in 1 year. Not in 2 years. Not in 3 years.
In just an amzingly short period of time with Living the Laptop Lifestyle team.
Imagine What It Would Be Like To...
know what to do, when to do it, and how to do it, instead of out there wondering around just guessing.
opening your email to see that you have made sales and commissions while you slept.
You can have all of these things with Living the Laptop Lifestyle.
How Do I Know Living the Laptop Lifestyle Works?
Because of all the success stories that have been sent in from our team members. Along with the time I have been able to spend with my family the way I want.
That's why I love Living the Laptop Lifestyle.
Why are you going to love Living the Laptop Lifestyle? It will:
• show you how to follow a proven repeatable system
• put an end to your money woes
• live the dream lifestyle you have always dreamed of.


With Living the Laptop Lifestyle, You'll Get:
• A detailed plan that will guide you by the hand and show you exactly what to do, that way there will be no doubt to your success
• Access to a wonderful group of people to answer any questions that you may have
• All the tools and training that you will ever need
Living the Laptop Lifestyle
Is an UNBELIEVABLE Bargain!
If you had to pay for all the tools and training and the experience of the training team, it would cost way more than $10,000.
And you're getting an incredible value:
- A minimum of 5K worth of specially selected and developed tools that you can use
- All the training that you will need that has been developed through years of trial and error
- And the support that you will receive when ever you need it is priceless
That's worth at least $10,000
But because I want you to join us on the beach using our laptops to live the lifestyle you want, I'm offering it for the less than a nice night out on the town!
Enter your information and click the button to get started
Don't Delay!

I urge you not to ignore this offer.
I know you don't want to continue...
... going form one site to another wondering which one is the right one for you
... spending your hard earned money giving it away to people who don't care about your future
... continuing to worry if you will have enough money at the end of the month
Sounds depressing, doesn't it?
It would be if you couldn't do anything to change it.
Fortunately, you can.
By simply entering your information, you can experience the difference between struggling to pay bills and living the life you have always dreamed of
Try Living the Laptop Lifestyle and discover the difference for yourself!
Sincerely,
Steve Coaston

Member Reviews

  • " Being backed into a difficult financial corner was the best thing that has happened to me - that forced me to look at what wasn't working and find a solution. We came here for the money initially, and found a great match because they are passionate about my personal development. ."

    - Charles Harris

  • " I enjoyed a successful career working in retail. I enjoyed my job and I was good at it, but I got tired of building someone else’s dream. Today I'm living the laptop lifestye from anywhere & with that comes the flexibility & the ability to generate more money per month than I ever did before. ."

    - Julia Calvert

  • " Me and my wife have retired, tripling the income we had been earning but working only quarter of the hours. We now enjoy quality family time, have been able to give our son the best of everything, indulge in our passions for fitness, travel and life and I love that I’m assisting others to do the same. ."

    - Thomas Baker

  • " This site just opened a window of opportunity for me, i've been out of work for the past 3 weeks now,and it is really hard to find time to work outside the home when your avialability is based around your kids. I can't afford to pay child care so i thought ,why not make money staying at home? I'm really glad that I found the Laptop Lifestyle Team. I can do both jobs now! being a mom,wife and earning at the same time! More power! ."

    - Jacqueline Turner



EARN THOUSANDS PER MONTH NOW!
                                               
Long-term earning money and attaining speedily income are what a lot of people should nutritional supplement the items they may well previously be bringing in. 1 unique way to do that devoid of compromising your doing work day do the job prospects is by making money online.
Thinking of which the dawn about the Net, organization endeavours have created much more powerful. Businesses have applied the online to succeed in out to probably purchasers less complicated and more rapidly. Executing so can make their items and solutions and items much more well-known past the company’s locality. Even individuals have found the web as becoming a superb opportunity to get paid slightly additional and perhaps start a firm in their have. Further adult men and women have decided on to make money online by accomplishing work from home.
Earning true money via the privateness and comfort and ease inside of your really individual household is not challenging at all but does require rather of planning. Once you get off, you will be able to both of those take care of your day-to-day requirements or give the chance to rework your daily life by using long-term economical responses. It can be very important don't forget that any favorable circumstance that enables you to undoubtedly make revenue calls for vigilance. You must make certain that you simply select to expend time and effort on everything you would like to complete. Getting meticulous in carrying out so is on top of that a great way to make money online effectively.
Before you choose to Get started Your Work from Home
During your brainstorming, down below certainly are a couple of approaches you'll want to contemplate in deciding what type of moneymaking approach you should prefer to go right after:
• Determine your specialized specialized niche. Precisely what exactly is it that passions you? Do you want to get good at it or are you presently currently now? Choose observe you never call for for getting a master of just about anything today, on the other hand you really should make sure you're going to handle to belong while in the region of curiosity any time you choose to make hard cash having a long-term foundation. Acknowledging the specialized market such as the back again once again of our hand may help make elements smoother for you while during the prolonged function when you make money online.
• Add well worth. Work from home is often additional satisfying everytime you improve really worth to every thing you do. As time passes, this establishes an authority that aids in climbing your readership and viewers. It is best to intention on your excellent pursuing. This is the significant to possessing traction online. Acquire discover that reaching this tends to get a while.
• Create a site functioning with a custom manufactured domain. Appear at your web internet site as your non-public home although inside the digital earth. By the use of it, it is possible to filter the people and likewise the targeted targeted visitors curious within just your info. Keep away from acquiring a subdomain (illustration: mysite.wordpress.com). Be certain that you have your quite pretty individual area (www.mysite.com).
• Never compromise your morals for easy revenue. As you make money online, maintain on for your morals, whether or not or not your model title is de facto a work from home, electronic just one. Not holding within your ethical ethics will backfire you lastly. Google will not perception you any longer and folks will discover you unsavory.
• Make an e-mail listing and make certain you tackle it appropriately. Earning profits on the net by promoting to e-mail subscribers is really an potent only one. Several picture that e-mail marketing is dying also as lifeless. This is often generally in no way authentic. Email correspondence advertising and marketing is your most liable most likely on line profits offer.
It may be disappointing to begin with, but there is certainly really pretty small effortless inside this surroundings. A single point hard to carry out is worthwhile in the quit, especially when you work from home and make money online. Underneath no situations throw in the towel in the objective.
Solutions to Crank out On the net
Down down below are a few indicates by the use of which you can be able to make some cash on the web:
1. Make an application. This one is technological and requirements appropriate abilities in app progress. Commonly, apps are ideal methods of passive money if done the correct way. By using a beneficial application, you could possibly entry a considerable viewers of mobile cellular cellphone close customers. Just be ready to commit a large complete of money and effort. You could employ the service of somebody to help you make your software when you will not include the complex abilities. Assume of your considered that can endorse and make money online. As you work from home, do your homework and ascertain what type of application it is best to make.
two. Write your ebook and boost it. This means to generate on-line commonly will take time. High-quality is usually better than total with regards to establishing fiction or non-fiction eBooks. A novel or perhaps a wished-for matter could make your e ebook market right away. You'll be able to create it your self if you are capable of hook up nicely by means of crafting. In relation to money, you never will need to speculate a big sum. Time is vital if firms route you ought to choose. Existing current market your e-book extremely properly for it to make money online.
three. Consider Fiverr. Do the job at your home gigs should help you when you have received enough professional expertise in regions for example net improvement, graphic construction, social internet sites advertising and marketing, Look for motor advertising and marketing instruction, or accounting, you could look at out Fiverr and offer you you your professional skilled products and services. Commencing cost is generally five USD. For many who feel you may complete a significant provider, which you are going to charge greater to make sure that you can obtain considerably far more. What's a lot more, it requires the best time to acquire a considerable sum of money shown in this article. Accumulating exceptional assessments regarding your aid will help construct your trustworthiness towards the online site.
4. Email marketing. In the event that you should current market to different functions and make money online, work from home and get it carried out the correct way. Prior to choosing to ship out them e-mails, ensure they signed up and subscribed. If these men and girls are really fascinated together with your guidance or answer they sometimes registered by means of your website website or net site, it is attainable to have extra fantastic final results.
five. Sell your photographs over the internet. Does a person have got a assortment of photographs? Then offering them by way of iStockPhoto or Shuttershock may perfectly just be the online function to fit your desires. While you are a passionate photographer, this may be a lot more of a labor of passion than a passive supply of profits. Use excellent lighting and impeccable topics to make money online.
Work from home and change your lifetime. Find out that which you can provide possibility customers on the net and make some superb cash flow. You may perhaps have gotten a facet task to dietary nutritional supplement your wage or start a contemporary organization that will definitely successfully contend with these acknowledged for the duration of the exceptional discipline you choose. It genuinely is a daring entrepreneurial earth in existence. You are able to make it when you operate flat out in excess of ample and when you truly sense in anything you can do. Problems and troubles might quite possibly recognized it in the beginning, but with endurance, perseverance, and optimism, you can expect to lastly achieve your cost-effective aims. So, go on and do your investigation. Operate within your have property and generate income online… At the moment!

The music industry might not be as strong as it was in the 80s, but there are still plenty of ways to make money online as a musician. Sites like SoundBetter let you sell your services as a songwriter, producer, or session musician to thousands of customers a month. While Musicbed, Music Vine, Marmoset, and SongFreedom are perfect for licensing your music to TV shows, movies, and web series.
So, I put together a free master course for you to take that spreads out all of the work involved in starting a blog, into a series of action-packed lessons. My free course breaks the entire process of starting a blog down into an incredibly simple 7-day process for going from 0 to brainstorming the best blog post ideas, publishing (and promoting) your first blog post in just 1 week. We also cover beginner and advanced ways to learn how to make money blogging in the course. I can't recommend it enough.
There are loads of resources for making money online as an affiliate. You could source products from ClickBank, Commission Junction, Rakuten Marketing, Share-a-Sale, Impact Radius and many others. Plus, many of the larger companies have their own affiliate programs as well. Do your due diligence and find the right company with a relevant product or service to your audience that you can sell as an affiliate. 11 Ways to Earn Money Online | Free 30 Minute Course | Work from Home | Praveen Dilliwala
Durst says insurance companies are increasingly outsourcing their incoming phone calls to contact centers. The contact centers then have to hire or contract with licensed insurance reps “because state laws mandate that only licensed agents can ‘sell’ policies,” says Durst. So, if you see an ad on TV for XYZ Life Insurance Co. and call the number on your screen, there’s a good chance you’re talking to someone who is working from home.
My 10-year-old son brought home a book from our park’s free library box. It was a biology textbook – teachers edition. He said it looked interesting and hey, it was free (having no idea you could sell it). I scanned it in my Amazon seller app and realized it was worth around $150. He was so excited. We listed it for sale for $130 and it sold! Going to tell him, he just made $130! How to Make Money Online! 2019 (Useful Websites)
This list is great, thanks! I wanted to point out, though, that it looks like at least some of the transcription jobs are listed as paying per audio hour which would work out to a lot less per hour of work. One hour of audio can take 3 to 4 hours for an experienced transcriber to complete, so $24/audio hour=$6-8/hour. Just something for people to be aware of. Earn Per Day Typing What You Hear (For Beginners)
It doesn’t pay much, but if you’re a healthy person and want to make a bit of extra money online, the AchieveMint app will reward you for doing things like walking, tracking your food, or taking health surveys. AchieveMint works by connecting to fitness apps you might already be using like Fitbit, RunKeeper, Healthkit, and MyFitnessPal and then giving you points for certain actions. For every 10,000 points, you earn $10 with no limit on your earnings.
For sure! I think that’s something Jeff and I have learned rather quickly is to definitely not put all your eggs in one basket. We had 1-2 affiliates that we promoted for the longest time that were by and large our main sources of income. We realized that if we lost even 1 of those affiliates we would be in for a huge world of hurt when it came to our monthly intake.
21. Facebook – Facebook swap shops are great for selling things locally. It’s like CraigsList, but a little easier. You simply search for swap shops in your area and ask to join the group. Once you’re in, take a picture of the item, write a quick description with the price and post it. It doesn’t get much easier than that. You can generally expect to get about what you would get at a yard sale, maybe a little more.
Today, if you're at all serious about succeeding in any endeavor, whether online or offline, you have to deliver enormous amounts of value. Yes, you have to do the most amount of work for the least initial return. This is especially true online. Why? Because it takes time to build authority and create an audience, two primary ingredients necessary to succeed in the wonderful world of commerce on the web. How To Make Money Online With NO Website And NO Money! ($100 a Day Worldwide)
Durst says insurance companies are increasingly outsourcing their incoming phone calls to contact centers. The contact centers then have to hire or contract with licensed insurance reps “because state laws mandate that only licensed agents can ‘sell’ policies,” says Durst. So, if you see an ad on TV for XYZ Life Insurance Co. and call the number on your screen, there’s a good chance you’re talking to someone who is working from home. Make Money Online With FREE Wix Websites (Easy $100/Day Method)

My next self-funded business hit $160,000 in revenue in its first year alone. After that first taste of self-made success, I’ve gone on to sign consulting contracts worth tens of thousands of dollars with startups like LinkedIn and Google, launch profitable online courses, and build a following of hundreds of thousands for this blog and my podcast series.
If you love to travel and find yourself randomly searching for airfare sales or browsing Lonely Planet, why not carve out a niche for yourself as a private travel agent? My friend, Mark Jackson did just that, making extra money online with his travel consulting side business. Start with word of mouth recommendations from friends who know they can count on you for the cheapest flights, and then move on and create a Facebook or LinkedIn group to invite people who want to stay on top of the latest deals. Eventually you could spin this into a full-time consultancy teaching people how to make their dream trip a reality. How To Become Rich The 7 Best Ways To Make Money Online
Online business is how I’ve made a living since 2003 and what has helped me retire early.  I make over $40,000 a month through my blog. You can create your own blog here with my easy 15-minute step-by-step tutorial.  You can start a blog for as little as $2.95 a month (less than a cup of coffee!).  Create a blog and leverage it into affiliate sales or product endorsement deals. Consider topics like: How To Make £100 A Day Online as a Teenager UK AND Worldwide - PART 1 - Affiliate Marketing for Begi
29. Videos – This could be an entire section on it’s own. Many people have made money by creating YouTube videos. Evan of EvanTube is a kid and he has made millions by creating reviews of products that other kids his age would use. It’s not easy to get views into the millions, but once you do, you’ll start seeing some cash come in. Many bloggers have completely turned to videos to get their point across by starting a video blog. HOW TO EARN MONEY IN WATCHING YOUTUBE VIDEOS
My 10-year-old son brought home a book from our park’s free library box. It was a biology textbook – teachers edition. He said it looked interesting and hey, it was free (having no idea you could sell it). I scanned it in my Amazon seller app and realized it was worth around $150. He was so excited. We listed it for sale for $130 and it sold! Going to tell him, he just made $130!
Considering that you have a finite amount of time, passive income should make up a large part of your work. If you're serious about generating any semblance of income online, then passive income should be one of your sole goals and ambitions. Why? Wouldn't you prefer to do the work one time and get paid repeatedly as opposed to relying on your time to generate that income? Invest the time at the front-end so that you can reap the benefits on the back-end. This means putting in a bit of sweat equity and not getting paid today. Rather, you'll get paid somewhere down the road. And you'll continue getting paid whether you keep building that passive income stream or you stop. 
Service. Another key aspect of successful B&Bs is the level of service that the hosts provide. You’re not just offering room and board, but an experience. If they need help planning a day seeing the sites, offer to sit down with them and help them plan their itinerary. If a businessperson needs copies for a presentation, offer to go and make them. Remember, your job as host will be to make your guests’ stays as comfortable and pleasurable as possible. If you succeed, they’ll remember you the next time they travel through your town. How To Make Quick BIG Money Online In 2019! (Fun Method!)
One of the best places to sell unwanted personal possessions is Decluttr, a website that buys used items directly from consumers. Unlike trade-in marketplaces such as Gazelle and auction websites such as eBay, Decluttr doesn’t act as a middleman between buyers and sellers. Rather, it’s best understood as a bulk buyer: an enterprise with deep pockets and an unsatiable appetite for used consumer products. 6 Best Ways To Earn Money Online In Pakistan 2019 - Urdu | Hindi
If you’re willing to take on some risk and have the heart of a true hustler, you can make extra money online doing commission-only sales for startups and other businesses. While you won’t be getting a regular salary, with the right sales strategies and skills as an inside sales rep, you can make decent money for each sale you bring in. And because you’ll most likely be working with startups, if you can negotiate a little equity you could profit big time if you're pitching a solid product and the startup succeeds. How To Start Making Money Online For Beginners
Mentorship. With sites like Etsy, it simply doesn’t make sense to reinvent the wheel when opening a shop. Instead, look to others who have been down the path and have learned the hard way what to do – and what not to do. Blogs like Handmadeology and EverythingEtsy.com offer hints and guidance for artists just looking to get started in this profitable home-based business.
There are loads of resources for making money online as an affiliate. You could source products from ClickBank, Commission Junction, Rakuten Marketing, Share-a-Sale, Impact Radius and many others. Plus, many of the larger companies have their own affiliate programs as well. Do your due diligence and find the right company with a relevant product or service to your audience that you can sell as an affiliate. 11 Ways to Earn Money Online | Free 30 Minute Course | Work from Home | Praveen Dilliwala
You might be desperate for work, but don’t necessarily jump at an opportunity that sounds too good to be true. In my article about common Craigslist scams, I wrote about fake employers who “hire” new employees, then “accidentally” send them too much pay. They’ll ask their victims to wire back the difference, but a few weeks later, when the bank discovers that the initial check is a fraud, the “employee” is on the hook for hundreds, sometimes even thousands of dollars. If a job offer sounds too good to be true, it probably is.
You might be desperate for work, but don’t necessarily jump at an opportunity that sounds too good to be true. In my article about common Craigslist scams, I wrote about fake employers who “hire” new employees, then “accidentally” send them too much pay. They’ll ask their victims to wire back the difference, but a few weeks later, when the bank discovers that the initial check is a fraud, the “employee” is on the hook for hundreds, sometimes even thousands of dollars. If a job offer sounds too good to be true, it probably is. 20 Ways To Make Money Online (ACTUAL Methods, No BS)
Upwork: This website offers a great marketplace for selling just about any professional service. You don't need a merchant account, website of your own or anything else for that matter. All you need to do is be able to provide a high-quality service at a reasonable price. But be informed, you will have to compete with many others that are constantly bidding on open jobs.  How to Make $10 - $90 per Day with Simple Work Online
Ratings. Whenever someone buys a book from you, they will have the opportunity to give the transaction a rating. This is when they’ll tell other potential buyers whether the book was in the condition that you described, whether it was mailed on time, and if your communications were pleasant and helpful. One bad rating can hamper sales, and a couple of them can downright stop them. Excel at customer service and your ratings will help your company grow.
You'll also need ecommerce software, fulfillment software, worry about warehousing, customer service and refunds. But that's not all. You'll also need traffic. Think search engine optimization, Facebook ads, and other social media campaigns. It is hard work, especially on your own. You could opt for Amazon's platform, which might be the easier route. But, then again, at the end of the day, this is a serious business, which could produce significant profits. So you're either all in or you're not.  The 3 BEST WAYS to Make Money Online
You'll also need ecommerce software, fulfillment software, worry about warehousing, customer service and refunds. But that's not all. You'll also need traffic. Think search engine optimization, Facebook ads, and other social media campaigns. It is hard work, especially on your own. You could opt for Amazon's platform, which might be the easier route. But, then again, at the end of the day, this is a serious business, which could produce significant profits. So you're either all in or you're not.  The 3 BEST WAYS to Make Money Online
28. Subscription – If you think of something valuable (newsletter, online magazine, etc.) that you can consistently offer on a certain basis (weekly, monthly, etc.), you may want to offer a subscription service. This could be a fee charged each time your product is sent out or on a monthly basis. Either way, this has to be something that your customers can only get by subscribing to your website. Can I make good income selling artwork online? My experience over 11 years.
Phony job listings on legit job-hunting websites. One fraudulent group was listing fake jobs on CareerBuilder, which is an otherwise respectable site. The group was charging a big fee for a background check before consideration of any applicants. Federal, state and local authorities received more than 17,000 complaints filed by people who were ripped off by this particular group. And that’s just the number of people who found their way to complain. Who knows how many others were taken? How To Make Money Online For FREE In 2019! ($200+ Per Day PayPal Money)
My 10-year-old son brought home a book from our park’s free library box. It was a biology textbook – teachers edition. He said it looked interesting and hey, it was free (having no idea you could sell it). I scanned it in my Amazon seller app and realized it was worth around $150. He was so excited. We listed it for sale for $130 and it sold! Going to tell him, he just made $130!
Work Space. When acting as a consultant, the probability is high that clients will be visiting your home office. Therefore, you need to have a neat, professional home office that is welcoming to guests. Try to locate your work space in a quiet, even secluded, area of the house. A converted garage space with its own entrance works well, giving you a private space for work and adding to your credibility.
The content on MoneyCrashers.com is for informational and educational purposes only and should not be construed as professional financial advice. Should you need such advice, consult a licensed financial or tax advisor. References to products, offers, and rates from third party sites often change. While we do our best to keep these updated, numbers stated on this site may differ from actual numbers. We may have financial relationships with some of the companies mentioned on this website. Among other things, we may receive free products, services, and/or monetary compensation in exchange for featured placement of sponsored products or services. We strive to write accurate and genuine reviews and articles, and all views and opinions expressed are solely those of the authors.
Has anyone ever told you you have a voice for radio? Are you great at creating original characters with just your voice? There are tons of people looking to pay for quality voice overs for their corporate videos, animation series, or educational videos. Check out Fiverr and UpWork or create a profile on a specialized site like Voices.com or The Voice Realm to get started making money online doing voice overs. HOW TO MAKE MONEY ONLINE 2018 | SIMPLE & EASY METHODS
What It Pays: Payment depends on how many people click on your video and how many subscribers. Views on popular YouTube tutorials range from 20,000 to 300,000 and higher. You can also earn money from sponsorships, ranging from $500 to hundreds of thousands, according to Slate. In 2017, Daily Star reported that UK vlogger Zoella made £50,000 a month from her videos showing her shopping hauls, though, with over 16 million subscribers, her estimated net worth is £4m net worth.
The job: Would you like the freedom to work remotely while helping others succeed? Those are the perks of working as a bookkeeper, says Ben Robinson, a certified public accountant and business owner who teaches others to become virtual bookkeepers through his online course, Bookkeeper Business Launch. We asked him for advice for making this career track work for you. You can read the full interview here. Is It A Scam!? Testing Online Survey Websites
You'll also need ecommerce software, fulfillment software, worry about warehousing, customer service and refunds. But that's not all. You'll also need traffic. Think search engine optimization, Facebook ads, and other social media campaigns. It is hard work, especially on your own. You could opt for Amazon's platform, which might be the easier route. But, then again, at the end of the day, this is a serious business, which could produce significant profits. So you're either all in or you're not. 
Cafe Press: This website allows you to create digital designs that can then be sold on the platform. You'll earn a commission for everything that sells and you'll never have to deal with logistics like printing, warehousing and customer service. If you have some graphic design skills, then this is a great potential source for your web-based income.  How to Earn Money Working from Home || Copy Paste Jobs Online With No Investment