A focused approach for not-so-lazy!
You begin working (finding) your best niche -- that niche that's comfortable for you. Get the keywords by researching the free KW research tools. Workout a strategy (plan). There are plenty of good aff products for all the top niches. Go to eBay, Amazon, Clickbank, read magazines, and so on for the good niches and products...
Go to Clickbank, for example. Those products belong to niches that have good number of buyers (not necessarily for CB products, but those CB product creators have done most of the research work for people like you.) Look at their sales pages and find out why he is successful (would you like to buy his product just by reading what he has to say on his sales page?)... Don't think about the money to buy, just think, does he impress you? If he does, then that's what you'll also want to do to make money online... get the idea?
Then find good articles -- use sites like ezine*articles... you'll find good articles there which have been viewed 1000s of times... learn a few and see how the writer is trying to sell a product or service... then look at the various strategies, sites, etc the successful writer is using... try to "copy" his/her idea. Learn SEO at least.
If you can get targeted traffic in 1000s to your site and then convert a percent of those, you'll make lots of money. Simple!
This is just a skeleton (nut-shell) plan for you. It's up to you to get open the door and look at the real abundance that you can go and gather. Sitting in one place and waiting for someone to spoonfeed you isn't going to get you anywhere...
P.S.:
At present, you'll go nowhere!!! Why??? Because, you're sitting in front of a "gold-filled pot" -- lots of it -- real treasure ---
Where??? Here at BHW.
And you're still asking to for a suggestion??? !!! !!! !!!
Do you understand why you're not moving???
You don' have MS or MNF? OK, give me your best niche when you find it and I'll give you top 100 KWs using one of those 2, for you to move on. You have this week to take that important step forward.