Interesting article from Network World on the Top 5 security menace predictions of for 2008. In order
Top 5 security-menace predictions for 2008 - Network World
Unfortunately the most secure computer in the world is one that is disconnected, un-powered and buried under 100 tonnes of concrete, so while we use computers for all sorts of activities in a connected environment we are always going to be at risk, so I think people should be thinking about security almost as a risk mitigation exercise.
If you are a consumer, always run anti-virus software, always have your firewall on, always run Spyware and Malware protection. As a consumer one of the things you can look at is Windows Live OneCare, which encompasses Antivirus, Anti-Phishing, Antispyware etc.. You can check it out here at http://onecare.live.com/standard/en-us/default.htm, and get a free 90 day trial.
Also check out the Microsoft Security at Home site to keep yourself up to date on how to protect your computer, yourself and your family http://www.microsoft.com/protect/default.mspx.