Be 98% Safe, Online... An ExtensiveGuide.

VIRUSES, TROJANS, PHISHERS, DIALERS, STEALERS, SPYWARE, ADWARE, MALWARE etc etc. the list is endless which can harm your system to the core and forcing a basic computer or internet user to cloud him/herself with the nightmares of system formatting.

All these said virtual micro-organisms can be safeguarded with just a few careful tips, tricks and softwares...

Firstly Some careful advise:
1. Dont consider Antiviruses, antispywares, browsers are install-and-forget tools. They also need your attension. Update the virus database regularly if not daily.
2. If u receive any mail indicating from your Bank Account.. BE ALERT.. cross check with the bank website and check the text "We dont send emails asking for ID n Password verification...". If this text is there then DONT proceed with the mail you rreceived. That can be a fraud.
3. If u are proceeding with an online payment where u have to input your debit card or credit card details.. be alert that no keylogger is running and also that the Firewall and Antivirus/Antispyware are running.
4. DONT CLICK on ads just like that. It would trigger an malicious script.. If u find an AD interesting, search for the website address and manually type and browse the site..

Secondly Some softwares,  
These are the most tested and proved effective softwares you can use it at first thought... and most of the softwares are free or open source...

1. Firewall 
(Comodo Firewall Free, or ZoneAlarm Free Firewall)
2. Antispyware etc 
(Windows Defender or Spybot Search and Destroy or AdAware Free, all free versions)
3. AntiVirus 
(Avast HOME or AVG Free)
and
4. USB security tool/s
(USB Disk Security-PAID)


Priority 1 
Firewall.
Comodo Firewall

Comodo Internet Security offers 360° protection against internal and external threats by combining an enterprise class packet filtering firewall, and an advanced host intrusion prevention system called Defense +. CIS subscribers also receive the Remote Malware Removal, PC Tune Up and Expert Installation and Configuration services AND enjoy secure connectivity from any wireless location with the TrustConnect service. When used individually, each product delivers superior protection against its specific threat challenge. If used as a full suite of packages, they provide total security for your computer.
> Download Comodo Firewall Free from www.comodo.com
>> You can try ZoneAlarm Free from www.zonealarm.com


Priority 2 
Antispyware Tool.

  
Spybot - Search & Destroy can detect and remove spyware of different kinds from your computer. Spyware is a relatively new kind of threat that common anti-virus applications do not cover yet. If you see new toolbars in your Internet Explorer that you didn't intentionally install, if your browser crashes, or if you browser start page has changed without your knowing, you most probably have spyware. But even if you don't see anything, you may be infected, because more and more spyware is emerging that is silently tracking your surfing behaviour to create a marketing profile of you that will be sold to advertisement companies. Spybot-S&D is free, so there's no harm in trying to see if something snooped into your computer, too.

Spybot-S&D can also clean usage tracks, an interesting function if you share your computer with other users and don't want them to see what you worked on. And for professional users, it allows to fix some registry inconsistencies and offers some extended reporting features.
> Download Spybot from www.safer-networking.org
>> You can try Adaware or Windows Defender from www.filehippo.com


Priority 3
Antivirus
Avast Home Edition

avast! is a package of applications that aim to protect your computer from a possible virus infection. If you use it correctly, periodically, and in coordination with other programs such as data backup utilities, it should ensure that you radically reduce the risk of your computer being infected by a virus, and thus avoid losing your private data.
> Download and register free from www.avast.com
>> You can try AVG also from www.filehippo.com


Priority 4
USB Security Tool
USB Disk Security - PAID

USB Disk Security provides 100% protection against any threats via USB drive, however, the majority of other products are unable even to guarantee 90% protection. USB Disk Security is the best USB antivirus software to permanently protect offline computer without the need for signature updates, but other antivirus software should update signature database regularly, and they cannot effectively protect offline computer.

This light and easy to use solution is 100% compatible with all software and doesn't slow down your computer at all. You pay USB Disk Security once and get it all, however, other antivirus products should be paid for updates every year.
> Download USB Disk Security trial from www.zbshareware.com
>> An free alternative is also available named USB Firewall, works the same. Get it by clicking here. 
>>>There are several other tools you can search online.. but this is the best.

I have been using these tools for the last couple of years and believe me till now i have experienced least problems.

wishing you less threats.
comments welcomed.