GetREF Is a program that I am fairly new to but I love the concept. It is basically where everyone can meet and do referral exchanges. Someone can post there Referral links and how much credits they will give someone for joining it. So I will start off by joining someones program so I can get credits to post mine and give to someone that signs up for my programs. Its really a great idea and they offer a listing of just about every money making program on the net.. Check it out, its FREE to Join, but you can upgrade if you like..