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Spyware and viruses, yeah I know they can all go to hell, but we got to admit they are all over the net ready to jump aboard your computer the moment you let your guard down.
First of all, straight off the bat I would recommend to get rid to your Internet Explorer browser and switch to Firefox. Firefox is much safer and is updated more frequently than Internet Explorer, it has won numerous awards for safety.
Also if your using windows from microsoft, make sure your computer is up to date (http//:windowsupdate.microsoft.com). Alot of us run our computer without the most recent patches that are available, and trust me, there are a alot of them.

To make sure your computer is running safe, make sure you have on your computer the three basic programs every computer should have, since I like stuff that say "FREE", and most likely you too. I will list items that are rated very highly in the antispyware game and are free:

Make sure you have a very good anti-virus program running at all times and is up to date. AVG, Avast, and AntiVir are very good programs and free. (you should have only one antivirus program running on your computer, more than one and it will cause problems).
Second, make sure you have a very anti-spyware program, Lavasoft's Ad-aware is very popular and good, but there are other ones like Ewido (very good) and Spybot Search & Destroy (Good)- (with anti-spyware, you can run more that one anti-spyware program-It will actually help out if one program misses a certain malware). You can also check out Microsofts own anti spyware program that will come standard in the upcoming Windows Vista, Windows Defender.
Last but not least, make sure you have a firewall running, alot of us neglect this step which is very important. Zonelab's ZoneAlarm is very good, my personal choice - it has alot of options like blocking which programs gain access to the internet. Windows has it own firewall, but it is no good. It has very basic protection. I would strongly recommend switching over to something like ZoneAlarm.

Remember all of the above programs are free but above all, they are very good-all of the mentioned programs have received numerous awards but if you got alot of $$$ and don't want to heed to the FREE programs above, be very careful and research the spyware and antivirus programs that you are thinking of installing on your computer. Do not make the same mistake I made with Spyaxe, instead of fixing my problems it made it worst, check out the list of a few of the rogue spyware programs here.
A good site to start your research is Wikipedia, certainly not the best but alot of useful information on the programs mentioned in this post.