What can I say except "Patch, Patch, Patch!!!"  Keep your operating system and programs up to date.  When Microsoft posts an update (another word for patch) for Windows, it is sometimes only a matter of hours before someone begin taking advantage of systems that are not updated.  That little yellow shield with the exclamation point in the lower right corner of your screen is there for a reason - click on it and keep your operating system is safe.  Of course, your anti-virus and anti-spyware software should be current as well, if not, you may be paying us or someone else to fix what you could have avoided in the first place.  This cannot be stressed enough - KEEP YOUR SOFTWARE UP TO DATE!