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If you use Windows Internet Explorer, NEVER click on a rotating Banner Ad on a page (MTU does not display any ads).
Some banner ads have viruses in them that can download all sorts of things to your computer. ZoneAlarm Anti Virus or Security Suite will block these. Get it and install it.
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One thing I've found to be a lifesaver was stopping the use of Internet Explorer altogether and switching to Firefox from Mozilla. It's free and prevents about 98% of pop-ups and "spy ware".
I used to run Ad-Aware all the time and my average for a week of surfing the net was about 30-70 items found. After switching to Firefox I have gone up to 2 months without using Ad-Aware and when I did had under 7 items found.
The only time I use IE now is for sites that absolutely have to have it.