No matter who you are or where you're from, there's one thing that you have in common with the rest of humanity: You have limited resources. Simply put, you do not have all the time, money, contacts that you want. In order to remedy this situation, you must try to engage in the activities that will offer you the most rewards for the least physical and mental effort. This does not mean not working hard; it simply means that you must be efficient – otherwise you will waste your already limited resources in ventures that will not give you an adequate return.

One of the worst kinds of ventures to enter is a fraudulent one. For those who wish to make money over the internet, affiliate programs seem to be a great solution. Unfortunately, not all affiliate programs are legitimate, and some that are legitimate are likely to be low-paying. So what is there for an efficiency-minded internet worker to do? There is only one good answer: He will do his research and find the affiliate programs that pay the big bucks.

Here are three such affiliate programs:

Success University. Widely considered to be one of the most lucrative affiliate programs on the internet today, Success University essentially sells a personal improvement course culled from the works of some of America's most popular and well-respected authors and speakers. When Success University boasts of being able to change people's lives, it isn't kidding – there's enough material here to help millions of individuals reach their own personal version of success.

To make money with Success University, you will have to convince other people to sign up to the program. For each subscription you are able to get hold of, you will get a commission of anything from $20 to $40 dollar, depending on the current rank you hold in the organization.

Empowerism. Another very successful affiliate program, Empowerism is a training course that teaches people how to do business over the internet. With a track record going back to 1998, it is a stable company with good overall growth prospects, coinciding with the growing use of the internet worldwide.

To make money with Empowerism, you will have to recruit at least three people to start with on your 3x9 forced matrix. Every person in your matrix (which has almost 30,000 potential positions) earns you a dollar a month.

Host4Profit. Rounding up this trio of affiliate programs that pay big bucks is Host4Profits. Host4Profits offers all domain name owners the opportunity to earn money from the very beginning. Host4Profit is really a web domain host that pays you back for your contributions. Money is mostly made from referrals, around $10 each month per referral.

By joining these three excellent affiliate programs, you will be able to build the wealth and success that you truly desire.