Site links, referrals and blogs oh my!

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Very seldom do I click on links that members put in their discussions and one reason is because I've picked up viruses and trojans that way. Even our most unsuspecting friend can send us a virus unknowingly and it's not their fault it's just an internet fact of life. Especially if our virus programs aren't up to date. I also don't believe in referrals because I don't ask for them from anyone, including family and very close friends and don't appreciate being asked to be one. Not to mention clicking on someones referral link can give us pc problems. As far as blogs are concerned they are either so personal that they are boring and if I want to read about someone's life it would probably be someone I know or at least have some knowledge or interest in. If their not personal they are only about earning money online and getting referrals which takes me to the beginning of my discussion. I have written down and checked some of the site links members put in their discussions but only money making sites. They go into my bookmarks so I can look at them when I have the time. I have a file for mylot links only and it contains over 100 links. There's only so many hours in a day and I think it's a little crazy since all we have to do if we really are looking for these sites is search for these sites on our own. I've noticed that it's usually the newer members who do it and that's probably because they don't know what to start a discussion about. Please don't get on my case for this discussion. This is my personal feeling. I realize some people don't know where to start to find these sites and a lot of people need referrals.Do you think there are too many links given out? How many times have you put your link in a discussion? Do you get many referrals from them?