Writing Articles For Payment: Associated Content etc

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I need to preface this discussion by saying that I don't do this: I am not a member of AC, Helium, Constant Content etc etc. Part of the reason I've not joined places like AC is that I'm an Aussie so not in the list of paying countries etc. Having said that though, I do write a lot of articles - either to use as an advertising tool for my chosen site(s) or as a web page/blog post that I have monetised etc. Now since I'm not a member of any of that type of site there's a chance I'm wrong here - but I gather the way it works is you submit an article and if someone purchases it to use on their own site you get a one off payment of x amount of dollars, in some cases I also imagine it's a little like places like Squidoo etc where if someone clicks on an adsense etc you get a small payment. Now if that's correct I'd like to ask those of you who do this - do you only write for those types of sites or do you also write articles for your own sites where you can keep the full amount of income earnt - yes it may take a bit to initially reach the same payment you might receive for that one off payment, but it's a long term thing that will continually earn you income to the point where you will surpass the initial one off payment (did that make sense?) ) If you only write for those sites is there any reason you don't keep some for yourself? So you can in turn use them to sell chosen affiliate products etc. Of course if I'm wrong and you do receive an ongoing income can you let me know that too? :-)