The Internet _is_ risky, especially for Windows users, but there
are some safeguards:

1. Pay the people who advertise they will "protect" you.
2. Unplug your machines every three minutes.
3. Stay informed by subscribing to newsletters.
4. Subscribe to your ISP's anti-virus and spam filtering services.

Besides Microsoft's publications, below are two with samples of
content.  Foxfire users might be interested in Windows Secrets.

1. Panda Software, NIST IT security guide
   http://www.pandasoftware.com

2. Windows Secrets Newsletter
   http://WindowsSecrets.com/contact/

Richard Moody