Thank you for the information, it is very good. I am spending a lot of time at night trying to learn about affiliate marketing, search engine optimization and google adsense. I make tiny amounts of money per month with those (very tiny) so I'm still learning how to get better with that..longgg way to go.
I do have a Paypal account, the host of the site doesn't allow Paypal there but I will see about setting my own site up independent of it, and offering Paypal there. Good tip.
I will check the resources you listed. All I do these days is research when not working or sleeping. This is a full time job in itself figuring out this mess.
Sincere thanks for your help.
Carolyn