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An excellent post by projectPHP at Cre8asiteforum, discusses what style of text links are most useful for the end user. The post was first discussing the forums own use of navigational internal linking but then broadens in scope on what actually makes a useful link.
The basic conclusion is never to use a click here style of linking but rather use descriptive words to what you would be linking to. For example, take a look at the discussion named Making Links Useful aka Where Does That Link Go??.
