The silver lining is that you don't have to be a genius to avoid these common attacks either. Implement a few simple fixes, and you'll avoid most of the bad stuff out there.

Fix 1: Patch Over the Software Bull's-Eye

Have you turned off automatic updates for Windows and other programs on the rationale that "if it ain't broke, don't fix it?" Then consider this: Your programs may be very, very broken, and you don't know it. The days of big splashy viruses that announce themselves to PC users are over. The modern cybercriminal prefers to invisibly take control of your PC, and unpatched software gives them the perfect opportunity to do so.

Today, a hijacked Web page--modern digital crooks' attack of choice--will launch a bevy of probes against your PC in search of just one unpatched vulnerability that a probe can exploit. If it finds one, better hope your antivirus program catches the ensuing attack. Otherwise you likely won't even notice anything amiss as it infects your system.

Luckily, you can completely block the majority of Web-based exploits by keeping all your programs--not just the operating system or your browsers--up-to-date. Attack sites ferret out holes in seemingly innocuous applications such as QuickTime and WinZip as well as in Windows and Internet Explorer. So turn on automatic update features for any software that offers the service--it's your quickest and easiest option for getting patches.