TIP:
Choose a referral banner that doesn't give up the whole site URL (or edit/make your own.) Many people will (for some reason) choose to type in the URL manually if they have the benefit of knowing it rather that clicking upon a referral link.
Leave 'em guessing a bit (make it a bit of a mystery) as to what site the banner is speaking of.
When speaking of sites, refer to them in a way that doesn't obiously intuitively disclose the URL (for example, if I was writing about
www.CashLagoon.com, I would say "Cash Lagoon" rather than "CashLagoon", or "CashLagoon.com".