Buddy,
I read your full Journal, and I am really happy that you have done so much hard work in order to make money online. I know you are newbie, so if you really want to make fast money, kick the Clickbank or other Affiliate Programs and join CPA.
There are many CPA People on this Forum who can help you get approved. If you can work hard, they will work hard to make you money.
You have capacity to write and create content, so go to Websites like Hub Pages or Squidoo and create new content with Keywords which have decent search volume. Use Adwords Keyword Tool for this purpose. Start writing content and deeply nest your niche. Also, try to write on daily so that within 30 days you will have 30+ Hubs or Squidoo.
Hub Pages have a utility to directly join Adsense and the approvals are fast, but only sign up once you have 30+ Hubs, you will easily make $30+ a day using Google Adsense. Then through some Affiliate Offers on this websites and voila, you will see money in ur CPA Account.
Thanks,
Sandeep