How to get those all important referals?

For all the programs there is a strict no-spam policy. If you do spam your account will be terminated together with all your referals you made, so don't spam. There are also a couple off  ways to cheat (there are some cheat progams) but again the same, if they found out you'll lose your account.
You can get legit referals by signing up your friends. Send them e-mails with your referal-id and ask them to sign up. Most off the paid-for-surf progams and paid-for-email progams have predefined links you can use in your e-mails, so signing up is just matter off seconds or minutes.
Second, you can make a website just like this one. All the necessary banners can be found on the advertisers website. You can use multiple banners at the same time with comfort using the multiple-display feature available in Windows 98. Just hook up a second monitor with all the banners you use and you have your primary monitor free to surf or doing whatever you like. You need to install a second video card to get everything working. A list with supported video adapters can be found on the microsoft website. Look in the bargains sections of newspapers etc to get a cheap video card and monitor.

Don't wait, start signing up now!!!!