Apart from some of the essential tools like antivirus, anti-spyware, firefox, personal firewall, here are some of the must have tools that will help you protect against the various online threats.
Secunia PSI - check my earlier post on this
DVDburn and CDburn from windows Resource kit - a very simple command line utility to burn CDs and DVDs
sysinternals tools - a very handy set of tools
ccleaner
md5summer - check my earlier post on this
windows update - keep up to date with hotfixes and service packs
sigverif - this is a windows xp tool which verifies the file integrity of the windows files that are digitally signed by Microsoft.
Other tips,
Don't login as Administrator or as an admin user. This is the primary reason how malicious code received via email or some other means gets executed.
Use the firefox extensions no script, refcontrol, safecache and safehistory. Also use the firefox feature to create seperate profiles, one for regular use and one while logging to banking and other financial sites. This is a great way to guard against CSRF attacks
It is also a good idea to enable logging (successful and dropped connections) on the Windows Firewall and periodically check for any unusual activity.
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