1) don't play with fire. No cracks, warez or random junk you found on the Internet.
2) don't use an Administrator-level user account for daily-driver stuff, use a Limited or Restricted-User account. Huge obstacle to that stuff getting onto the system in the first place.
3) corrolary to #2, make any other users of your computer use a low-privilege account as well.
4) patch all your software, ranging from WinAmp to Adobe Reader to Sun Java to Firefox and IE, everything. Plus Windows and Office, using the Windows Update and Office Update sites.
5) keep your firewalls up and your antivirus software on, fully-armed and up-to-date.
6) use pure mental rays to form letters on the screen without typing :Q