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The single best strategy you can have is to use a solo partitioned Linux OS (like Ubuntu) for all Internet facing applications, like browsing & mail; not just banking. Then if you happen to pick up Windows targeted malware, it can't compromise your personal/sensitive data.
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The best antivirus in the world can't help you if a fraudulent website tricks you into giving away your security credentials. Phishing sites masquerade as bank sites, auction sites, even online
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