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How to Make Money Online

Updated on April 19, 2011

Making Money On-Line - My Story

There are a few things I wish I had known when I started trying to make money online. Its taken me almost a year since I decided to seriously make money on-line. I still am not making a full-time income at this game: and I feel as if I am finally starting to understand which way to go. However I think I have finally got to the point that I know what I need to do to create my own Internet business.

Although making money from home is one of the great catch calls of the Internet it is in fact incredibly hard to make a sustainable, ethical business on-line. Why? Try this: go off and google: "make money on-line" - off you go and try it now, I'll wait.

Lissie in Kalgoorlie, where the real gold is found!
Lissie in Kalgoorlie, where the real gold is found!

Make Easy Money: Scams

You back? Did you notice the ads the little ones on the left side or at the very top of the page under "sponsored listings":

  • Free $400 in 24 hours
  • Make £300 in 15 minutes
  • Need $1000 Fast Cash
  • $30,000+ a Month? How? Not a Scam.
  • Full Proof Make Easy Cash NOW

Those were the ads got on the front page. You probably got different ads, similar though I bet. Why do people pay very good money for those ads: well probably because most people looking for a quick easy way to make money on the Internet. How many times do the forums at hubpages have a post like this: "I've been here 5 days I have 3 hubs and I haven't made any money - why not?"

I've got a bit of news for you if fast cash is what you are looking for:

  1. there is no free money in this world: doesn't happen unless your long-lost Aunt Maude dies and leaves you millions - she'll be contract via the lawyers not via an ad on Google;
  2. Made $30,000 a month? How? By spending a lot of money on advertising, hopefully, though not necessarily, less than $30,000;
  3. Need $1000 Fast cash: rob a bank (maybe not such a good idea with the current economic meltdown), sell some gear on eBay, turn a trick, get a second job or a do some overtime. Starting a business desparate to earn fast crash is a genuine way to guarantee failure, and that doesn't just on-line business's either.

Avoid the Make Money Scams

But you're smarter than that aren't you: you you wouldn't fall for that sort of thing would you. Maybe. I always thought I was smarter too. But I fell for their more subtle cousins: the so-called A-list bloggers. They make money on-line fine. They make great money - why? Because they are happily selling their system of making on-line - to you. What is the problem with that well think about it. Their system needs a lot of people to believe them and buy their system. They sell to their email lists, they sell to their mate's lists. Why will you fail: you don't have a list: its essentially a piramide system: and you are at the bottom.

Real Internet marketers don't make their money from teaching other people how to make money online.I there is real money to be made in developing the right sites on the right niches: I could paraphrase him and keep you on my page rather than send you to the source of the information - but I'll take the risk that you will come back.

Scam Alert! Photo: Martin Deutsch via flickr
Scam Alert! Photo: Martin Deutsch via flickr

Major Problems With Making Money On-Line

In my opinion there are three main issues which make making money online harder than most people think it is:

  1. you start with the idea that its easy, everyone is doing it. That's because every second Internet marketer needs you to believe that so that you will buy the $49.97 E-Book that he shares his secret success formula with you.
  2. there is very low cost of entry. Its very cheap to start a website: in fact its free if you start a hubpage or a blogger blog. You don't need to borrow from the bank (assuming that they are still lending), so you don't need a business plan. You don't need to clear out the spare bedroom to start storing your stock in. No you just need to login the Internet and start building - done in 1/2 a day!
  3. many of the people who want to make money online don't understand anything about being in business and come from a background of unhappy employment.

Lets Look at These Three Issues in turn:

Dis-information on the Internet

Everyone is making money. Really do you know someone who is? They are making a living on it? I've got news for you: I said earlier I wasn't making a living on the Internet: but I could equally well tell you that I can afford an idyllic lifestyle on a tropical island. Both statements are true: the money that is not a living wage in Australia will set me up nicely with a beach bungalow on any number of Thai islands, with change left over for 3 meals and day and a beer or two.

Lesson: 90% of what you read on the Internet is misleading, repetitive and ill-informed at best, some of it is just plain wrong.

Making Money at Home is Easy To Do - I can Get Started Today

Yes and no. It is relatively easy to do; you don't need a special license, you don't need to pass any exams. But the skill set range is broad.

Here are some of the skill set I've learnt in the last 12 months:

  • how to build a WordPress blog on my own domain
  • how to build a blogger blog
  • how to build pages on hubpages, squidoo and numerous other free content sites even Google's own knol experiment
  • how to create a static site and include a link to paypal for payment
  • how to choose a keyword phrase,
  • how to research the competition affiliate programs:
  • what are they, where do I find them and how do I use them to get paid
  • AdSense: what terms will pay, which don't, how to avoid loosing my account and why this is a very bad thing to happen
  • ditto with eBay
  • how to market my site
  • how to get anchored backlinks, actually what is an anchored backlink
  • what is trends blogging and why it can make a big difference; why Google sometimes ranks my sies and hubs how to write,
  • how to write better and quicker
  • how to write for search engines without annoying people
  • how to avoid writing and the options for buying my content
  • how to use Google Analytics to track my sites
  • why I shouldn't use Analytics to track every site and the alternatives
  • how to move hosts and survive the experience - just!
  • write a some html, understand less css and can ocaisionally get php to do what I want.
  • upload and download files coincidentally to my websites how to build backlinks via article marketing
  • how to buy new domain names and pre-owned domains and I know why I should: I've seen the Google sandbox in action
  • know that sometimes I should take boring pictures with my digital camera and also sometimes I know how to make my good shots better. I know where to find photos I can legally use which aren't mine and ditto with videos.
  • how to create a pdf
  • how to write a sales page
  • how to optimize my blog for SEO purposes
  • how to install a BANS store to promote eBay listings
  • the psychology of marketing; what makes people buy
  • the mindset of an entrepreneur

Lesson: the last two items are the only really important ones: the rest are easily learnt technical skills. And the odds are the most people haven't read this far to find that little bit of information out!

I'd Like Your Opinion

What's stopping you making money online?

See results

Unlearning the Employee Traits

Employees generally get paid whether or not they add value to the business that pays them. If you are on a salary you will generally get paid somewhat regardless of your productivity. I hated my job for years. I hated it not because I was bad at it, but because I was bored and less and less inclined to play the office politics game.

What did I learn to do efficiently:

  • how to waste time while appearing productive: meetings are great
  • for that never do today what you can delay until next week: it may go away
  • helping real people is a career limiting move in most organisations

So I when started my own business I discovered:

  • I was overwhelmed with information and my well-honed skills of procrastination meant that I did: nothing I jumped from one forum or blog to the next.
  • I had no plan I got frustrated with not making any money; but I wasn't doing what I needed to do to make that money
  • I got fixated on my statistics: checking my Adsense earning 10X a day so I knew at what time of the day I made each 10c! Again procrastination.

My main problem was that I had to understand how to think like a business owner rather than an employee: something that our education system is not good at teaching. I had to step back and actually work out what my self-limiting beliefs were and get over them.

If you are serious about making money from your own business whether on-line or in the real world you really need to be aware of the pitfalls: not just of the internet itself and the information that bombards you, but also of your own attitudes and abilities.


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    • profile image

      Tanmoy Acharya 

      9 years ago

      Hi Lissie, this article was terrific to me! I think most human beings are much more gullible than they know they are; and some people will always like to exploit that weakness into making a nice living for themselves.

      This was very informative, and made me aware.

      Thank you.

    • jomedia profile image


      10 years ago

      Lissie i so appreciate all your hard work and all that information which you share with us

      thank you so much

    • profile image

      muhoro daniel 

      10 years ago

      it's like you were with me and read my mind!i too has started a hub out...but how do i get to monetize my hub page and earn online?that's cool but post to my site some help please;I'll appreciate Shawn..

    • Lissie profile imageAUTHOR

      Elisabeth Sowerbutts 

      10 years ago from New Zealand

      Hi Shawn - yes its a topic little talked about online - I thought it was worth pointing out!

    • Shawn Scarborough profile image

      Shawn Scarborough 

      10 years ago from The Lone Star State

      This is a great hub, thanks for posting it. I've spent most of my career working for large corporations. I have recently started an online business.

      You are absolutely correct about unlearning employee traits and beginning to think like a business owner. I think this is the thing I am struggling the most with.

      Thanks again for posting this. It has been very helpful to me.

    • katyzzz profile image


      11 years ago from Sydney, Australia

      I'm glad you like it, it sounds like a lot of hard work to me, I think I'll just stick with my peanuts and yes, I know, that makes me a monkey, nice little critters if you ask me.

    • profile image


      11 years ago

      I'm still checking Adsense ten times a day! It's true that is a time-wasting activity, however, I can't seem to get over it.

    • MissCue profile image

      Helen Kramer 

      11 years ago from Santa Barbara, CA.

      Wow, it took forever to get down here....You have a great following for obvious reasons. I tend to find myself getting lost 1/2 way through the adsenses and the blog post affiliate links and can't quite get to the money making part although I sooo desperately need an income. Hopefully I will have a better understanding of the internet income after taking your 'classes'. Thanks!

    • JonSterling profile image

      Jon Sterling 

      11 years ago from Houston Texas - United States

      Lissie you are my hero - thanks for all the great information that you post to help others.

    • MariahMomms profile image


      12 years ago

      Great guide Lissie. Very helpful!

    • RobynW profile image


      12 years ago from Taipei

      Great Post Lissie, one I've read a couple of times. As you can see from my comment, I have joined the ranks of Hubbers. Wish me well :-)

    • goldeye_78 profile image


      12 years ago

      That is the best imformation I have recieved yet. It all downstreams to what I talk about. Creativity. Whether someone is trying to scam you or being legitemate. Its all about creativity. The founders of myspace are innovative. Why not not communicate with your friends online and share pictures and experiences. Now the founders of facebook took it a step further. They decided to ad advertising features. This was also a resource for a more mature audience. They just came up with innovative twist on an original idea.

    • zenmagic profile image


      12 years ago from Melbourne, Australia

      Great and informative Hub, Lissie. The list of skills that you display are really necessary to build a profitable internet marketing business. Thanks for sharing.

    • Lissie profile imageAUTHOR

      Elisabeth Sowerbutts 

      12 years ago from New Zealand

      Hi Angela -thanks - yes you will find some good links around here! You might want to check out a firends video post: on backlinks- simple and easy to understand

    • Angela Heess profile image

      Angela Heess 

      12 years ago from Gold Coast, AUSTRALIA

      Hi Lissie,

      What a wonderful hub. I find it so informative and honest, straight down the line as only us Aussiescanbe :-) I myself am researching and working on teaching myself how to make money ethically online ( because I believe there is money to be made, but through education, persistance, goals and hard work. In my opinion, 'Get-rich-quick' only pays for someone elses car payments usually. I feel that this and many other of your posts will help mealong the journey, and when I learnwhat a backlink is (maybe another hub idea, lol) I could discuss linking some articles on my website in the future. I wish there were more people out there with your knowledge and ethics. Great work, I am a fan and would love to keep in touch. Inspiration.


    • chelskie918 profile image


      12 years ago

      As they say, it all comes down to the attitude. If you're just starting your online business, focus on your existing business. If you're going to buy some products, buy only products that will help you with your business. This is especially good advice if you are just starting to see profits from your online business. Don't eat up all of your hard earned profits by buying every newly came-out info product on the Internet.

    • Lissie profile imageAUTHOR

      Elisabeth Sowerbutts 

      12 years ago from New Zealand

      LOL earnstshub - but I only live in Australia - I am really a New Zealander - its just online on one can hear your accent LOL Thanks for commenting

    • earnestshub profile image


      12 years ago from Melbourne Australia

      You deserve to be making a good living off the net lizzie, you really do teach well. It may be just my flag waving, but I think Australians often get to the point rather well. You certainly do.

    • profile image


      12 years ago

      Hi Lissie

      I really like your hubpage!  I have been able to make sales here and there , but it is still far from doing it for a full time living.  I like the things that you mentioned you discovered when starting your online business.  Why?  Because I am doing exactly the same!


    • Mezo profile image


      12 years ago from Egypt

      thnx alot lissie :)

    • Lissie profile imageAUTHOR

      Elisabeth Sowerbutts 

      12 years ago from New Zealand

      Thanks for all the kind comments - I use and take note of the requirements- you usually have to link back - which is cool. I use my own sometimes too LOL

      I recently found this site for clip art - free to use nice

    • Mezo profile image


      12 years ago from Egypt

      hi Lissie...this is a very interesting hub and i do agree about the last 2 points, they are he most important....

      May I ask you about some places to find images that I can legally use?

      we really need to study "what makes people buy" more....the rest is easy


    • profile image


      12 years ago

      I enjoyed your info - I have never spent any money with those "Aussies" you mention, but I have never used my site to make money either. I have to admit, I have been curious about those schemes, so thanks for the heads up! =)

    • Johnny London profile image

      Johnny London 

      12 years ago from SLC

      Lissie - great stuff - definitely some wise words in there - it's all in the mindset...


    • Peggy W profile image

      Peggy Woods 

      12 years ago from Houston, Texas

      Lots to learn from your experience. Thanks!

    • countrywomen profile image


      12 years ago from Washington, USA

      Lissie - The reason I mentioned gambling is monitored as it borders on similar things like hope and disappointment for many people. Yes gambling is very different but still their should be something to prevent such totally misleading advertising. Anyway you are right about the caveat "buyer beware".

    • Lissie profile imageAUTHOR

      Elisabeth Sowerbutts 

      12 years ago from New Zealand

      Some countries have stricter advertising rules than others but basically on the internet you are in an inheritantly free-market. Which very much means buyer bewarre. If I go to Bangkok I can buy a really Louise Vuitton bag for $10 - they cost $500 here. Most people who pay $10 for a "name" bag realise that its a fake. The problem is that people on the internet get desparate/greedy and genuinely believe that "2 Aussies made $1million at home in 6months on the interenet" which is one of the ads running now. I don't call it gambling - its just misleading advertising

    • countrywomen profile image


      12 years ago from Washington, USA

      Lissie- Even the ads like the "rich jerk" on this hub are meant to be a bait for the innocent victims. In many countries gambling is strictly monitored but when such illegitimate claims are meant for gullible people I feel sad. Is their anything that can be done by the governments/businesses to lock down such companies making "outlandish claims" to protect the credibility of all online business?

    • Lissie profile imageAUTHOR

      Elisabeth Sowerbutts 

      12 years ago from New Zealand

      LOL Shirley - I know that feeling! You need to sit down and work out abusiness plan: then something new comes along and then it all goes out the window again1 I struggle with having a focus on what makes me money and trying out new stuff! Thanks for the kind comment!

    • Shirley Anderson profile image

      Shirley Anderson 

      12 years ago from Ontario, Canada

      Lissie, I didn't vote in your poll because, "Spread so thinly that I don't have enough time left in a day to do enough networking and marketing" was missing. I've recently decided that it's insane and am in the process of just slowing down for a bit to decide where I want to focus my energies.

      I'm really enjoying learning from you. Thanks for writing yet another helpful hub!

    • Lissie profile imageAUTHOR

      Elisabeth Sowerbutts 

      12 years ago from New Zealand

      That's a good question. Starting writing what you know is an excellent start, think about your reader might want: what someone searching on google might want: for example you wrote a hub about crack addiction: what about one about "how can I tell if my child is on crack?" "5 signs that my child has a drug addiction" - you turn it around - getting people to read what you write is about answering a question for them.

      I just sold an article about house sitting in Australia - I live in Australia - though I have never house sat - the article only took around 45minutes to write and earned be $45 - I could have written one about house sitting in New Orleons - but i'd have had to research that and it could easily have taken 4 hours and still sold for the same amount!

      My travel blog at is a classic: I know heaps about travel and love to read about it -writing a post takes 20 minutes in front of the TV because I usually just write!

      Thanks for the complement re teaching BTW - I'm not a teacher but I like to steer people away from scams on the internet of which there are far too many.

    • Gods Child profile image

      Cathryn Crutchfield 

      12 years ago from Missouri

      WOW. Do you teach. OK I found you from a post on forum. I am here as well. I am still brand new to all of this but trying very hard to learn so I will be able to earn. to date I have only written about things I know about as you can see from my Hubs and my blogs. Is it worth venturing out beyond my knowledge to other things? I would have a million questions for you if you would answer. I will be bookmarking this Hub as that is the most information in one place I have seen on the whole internet. and you have put it in terms I could understand. WOW

      Thank you for sharing your knowledge with me.

      Much Love


    • Lissie profile imageAUTHOR

      Elisabeth Sowerbutts 

      12 years ago from New Zealand

      ikenall - I don't know what you mean - can you use a few more words?

    • profile image


      12 years ago

      hi how do i get rate on my page

    • Lissie profile imageAUTHOR

      Elisabeth Sowerbutts 

      12 years ago from New Zealand

      @eswar - its all about work and understanding: I am slowly starting to see and improvement in the bottom line as my understanding improves on both!

      @JLKF - I can assure not all 82 hubs are quality - some of them are postiively embarassing - but I leave them because they have PR now! You are wrong about the fans having no value. Some of them sure: some people just fan anyone with a hubscore because they (mistakenly) think this is a good thing. My last few hubs are quite deliberate and are apart of (several) cunnying plans :-) Does the term "list" mean anything to you - I'll blog about it soon

      @Jerry G2 Thanks Jerry for visiting and commenting!

    • Jerry G2 profile image

      Jerry G2 

      12 years ago from Cedar Rapids, IA

      Great hub, Lissie! Thanks again for your kind words at my blog. Great hub and good advice. Keep up the good work!

    • profile image


      12 years ago

      Lissie, you are a great writer and have tons of patience to write such a long posts. You are famous Lissie that is why you are not very successful. Most of your hubs were written with great care and are very good hubs which made you famous with 605 fans, but most of them have little money value. I know what it takes to write 82 quality hubs in 13 months, that is more than the year you said you became serious about making money. I stopped writing regularly on hubs the day I first read Grizzly.

    • eswar profile image


      12 years ago from India

      You are absolutely right the last two are the most important, normally everybody (even me) when jump into IM ing, think of the market is of the size of their system screen, but frightened to see in reality, hiding at the back is a big anaconda. Unless you understand the basics of IM ing that surrounds the psychology of the buyer, I think you are going to face a tuff time. Even-though you are sitting at home and doing the business, but the market that sits in front of us is a big B...i...g one. I believe to become successful in IM you not only have to dream big but also to work big, that's a very nice information Lissie, Thanks a lot.

    • Lissie profile imageAUTHOR

      Elisabeth Sowerbutts 

      12 years ago from New Zealand

      Hi John, yes the whole marketing side of it was completely ailen to me its been a steep learning curve.

      Hi desert blondie - thanks for your comment

    • desert blondie profile image

      desert blondie 

      12 years ago from Palm trees, swimming pools, lots of sand, lots of sunscreen

      Very informative AND interesting to read! THanks so for sharing your experiences and lessons learned!

    • profile image

      John Leal 

      12 years ago

      Hi Lissie

      To your credit, you've picked up a lot of do's and dont's in 12 months, much of it surrounding the hype and "information overload" situation we encounter when attempting to set up a work-at-home business. Internet Marketing involves work, but it is a simple and fun system nevertheless, it just needs application and dedication. Most people jump onto an opportunity expecting to make money in 30 days, and when they don't they try something else, with the same result. But I think the main reason people fail is that they have a hard time sponsoring and promoting. I could go on...

    • Lissie profile imageAUTHOR

      Elisabeth Sowerbutts 

      12 years ago from New Zealand

      @Lupo - welcome, I remember there were 2 of us! I must admit I haven't spent as much time on Aaron's site as I should have. And yes I think there is going to be a big surge in new people on the Internet desparate to make money

      @Welcome Bruce. You know most people can live on a whole lot less than they think they need! Again I think your message is very timely for these "interesting times"

    • Bruce Elkin profile image

      Bruce Elkin 

      12 years ago from Victoria, BC Canada

      Excellent hub. Great info sources in the article, the sidebars, and in the reading list at the end. Much appreciated. I will be using your info to up my presence on the web and get my articles in front of more people, and get a little cash flowing my way. Thank you!

    • Lupo profile image


      12 years ago from Boston Area

      Hi Lissie.

      A nice straighforward post for someone thinking about jumping into the internet money making pool. I would guess that with world economies tanking, there is about to be an even greater influx of folks trying their hand at online buisiness ideas.

      Thanks for your post....

      (from your fellow contest winner....Aaron gave out two prizes for his Knol editing experiment).

    • Lissie profile imageAUTHOR

      Elisabeth Sowerbutts 

      12 years ago from New Zealand

      Hi PJ haven't seen you for a while - thanks for reading.

      Welcome Habmath glad it was helpful - I have another hub 1/2 written on a similar topic - keep an eye out for it!

    • HABMATH profile image


      12 years ago

      I am planning to start an online business soon .At the moment I am writing and collecting material to publish. This hub actually gave me info I needed.

    • pjdscott profile image


      12 years ago from Durham, UK

      Lissie - I'm glad I was not the only one taking your approach! Like you, I make a little more than simply paying for my domain and server expenses, but it's still a hobby and won't yet replace my profession.

      Some great ideas and, as ever, beautifully written and presented.

    • Lissie profile imageAUTHOR

      Elisabeth Sowerbutts 

      12 years ago from New Zealand

      Thanks Marian: subscribe to my blog too (feed in the hub) I put some of my personal stuff there too. Thanks for reading

    • Marian Swift profile image

      Marian Swift 

      12 years ago from San Francisco Bay Area

      Hi. Lissie!

      I'm slowly working my way beyond the procrastinatory process, and have been bookmarking your business Hubs as I find 'em.  About time I said thanks!

    • Lissie profile imageAUTHOR

      Elisabeth Sowerbutts 

      12 years ago from New Zealand

      I am now dealing with sorting out a business plan which is flexible enough - probably have to write a hub on that too!

    • JYOTI KOTHARI profile image

      Jyoti Kothari 

      12 years ago from Jaipur

      Yes. I agree with you. Most of the people come here for easy money having no business plan.

      Jyoti kothari

    • Lissie profile imageAUTHOR

      Elisabeth Sowerbutts 

      12 years ago from New Zealand

      @sally - its a degree program without any defined syllabus LOL No one expects to get a business degree in 3 months why do people expect that Internet Marketing will take that time !

      @ Jim: I am sure you were just having a coffee break -thanks for visitin!

      @Tottie: Its hard to without a full-time job - I really admire anyone who does this fitting in a job and a family - and people do - its just I couldn't!

    • Tottie profile image


      12 years ago from Australia , or China, or South Korea.

      You are so right. I enjoyed your hub and read it with great interest. I do enjoy reading your work. I will try and work harder at being successful at this. However, I work and study so time is an issue with me, but i know that if I spend a couple of hours a week on my internet business it will slowly improve.

    • profile image

      Jim Hickey 

      12 years ago

      Hi Lissie,

      Yet another Gem! This makes a fantastic overview of many things to be aware of from scams, expectations (especially over-expectations), the things that need to be learned and avoided. Fantastic information for anyone and now I'll even take your subliminal advice and get back to work ;).

      Thanks again and take care,

      Jim Hickey

    • Sally's Trove profile image


      12 years ago from Southeastern Pennsylvania

      Lissie, another great Hub about your online money making journey.

      The skills you listed almost constitute a degree program, don't they? I think most people who jump into internet marketing by pinching their noses shut, closing their eyes, and wishing that the bottom is further down than it is don't realize the tremendous amount of learning (and unlearning, too) that needs to take place. Thumbs up for this excellent reality check!

      Best regards, Sally

    • Lissie profile imageAUTHOR

      Elisabeth Sowerbutts 

      12 years ago from New Zealand

      pressingon step away from the refresh button NOW !

    • pressingon profile image


      12 years ago

      It's nice to know I'm not the only one checking my AdSense every I was getting worried I might be suspended for doing so. Thanks for taking the time to write this hub.

    • Lissie profile imageAUTHOR

      Elisabeth Sowerbutts 

      12 years ago from New Zealand

      @wandereh - I wonder why this beautiful/rich girl would be hanging out on the internet LOL - i wish you luck though. in the meanwhile keep building those webistes!

      @Hi John - I might even make it up to Perth - its not far from here!

    • JohnKhoo profile image


      12 years ago

      Hi Lissie, is me again.

      It seems to be you have learn a lot about how to make money online. Be persistent and i believe you can create a full-time income online. As you said, there is no free money online. Your effort, your time, and your investment will lead you to become one of the winners in this game eventually.

      Cheers. We can success together. By the time then, i will see you in Australia. ;) 

    • wandererh profile image

      David Lim 

      12 years ago from Singapore

      Couldn't have said it better myself. You have probably listed down all the major factors that is stopping somebody from making a real income on the web.

      I have recently realised that the only thing that is stopping me from making good money from the web is me. I already know all that I need, what I just have to do is to take action.

      But I do have to disagree with you in that there is no free money on the Internet except with the unfortunate demise of my long-lost Aunt Maude. I could find an insanely rich girl online, whisper sweet nothings in her ear (via Skype), and presto, free money! Improbable, but still possible.

      So, does anybody know an insanely rich and beautiful girl? :)


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