If you write fiction, read Kris Rusch's business blog for this week, on licensing.
This is a whole 'nother way of looking at doing business with your fictional properties.
And as a side note, I've heard Kris and Dean mention here and there for years about how SFWA screwed them out of many thousands of dollars, but never heard the details. Now I know what happened. Wow. :/
But seriously, even if you don't feel you're in a position to take action on this right now, this is stuff you should know if you're a writer.