Programs won't help you, with a good browser configuration you won't have any problems. Just don't visit unknown sites and install these addons for your browser:
- NoScript
- AdBlock
It won't help you that much, but at least it'll keep you safer in some way.
P.S. Don't store any passwords in your browser, and make sure that cookies and history are cleared when you close the browser.
It's also good to have a separate PC/Laptop especially for transactions, and the other on for general stuff like browsing and chatting.
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