just to add to it ... NEVER

EXample

My X-brother-in-law he NEVER learns and has had a PC for over 10 years..  ever time he calls me for PC help I have to tell him what and where the start menu and Taskbar is ....

and YES I have told him YOU need to sell your PC and never buy one again...

...and once again here I go.

Let's see.....I've said the following maybe 1000 times?  Maybe more......sigh

Don't EVER browse the internet using an account with ADMIN credentials, educate yourself on what your computer system's "Local Security Policy" is/does and then use it to lock-down things correctly.

Doing those two things alone will have a much much much much better effect of protecting your system from ANY attack than say running 3rd-party security software and/or hoping one doesn't click on the wrong thing.

the Monk

EDIT:  I routinely demo the above fact to clients of mine using a brand-new OS installation with no 3rd-party security installed.  Running limited user accounts and a properly configured LOCAL SECURITY POLICY prevents all but the worst malware from even getting onto your system and those that can get onto your system still can't actually DO anything since the restrictions imposed by a PROPERLY configured system security policy don't allow it.  There are plenty of ways to EFFECTIVELY secure a system so it in fact does NOT need 3rd party security software for anything other than a "second opinion" (for those nervous nellies).  Education, education, education........can't say it enough! 

@ the_Monk,

At the risk of sounding redundant can you explain to those out there who aren't familiar or just plain ignorant what the Local Security Policy is or rather how to configure it properly. Memory refresh.

Uvah:

But I'd read Simonski's article (link at the bottom). Technet stuff here is good too, but read his first. 

http://technet.microsoft.com/en-us/library/cc736685(WS.10).aspx 

http://technet.microsoft.com/en-us/library/cc739442(WS.10).aspx

http://technet.microsoft.com/en-us/library/cc755686(WS.10).aspx 

When you type in the search box "local security policy" you get:

 This article explains things (a few) : http://help.artaro.eu/index.php/windows-7/essential-windows-7-administration/local-security-policy-in-windows-7.html

But Shimonski's article here is really good:

http://www.windowsecurity.com/articles/windows-7-security-primer-part1.html