I resemble that remark!!! [smile]
To echo Oddball from Kelly's Heroes ...
"Oh, man, I just ride in 'em. I don't know what makes 'em work ..."
My two cents on this issue:
I am a firm believer that the best way to protect your computer and yourself from viruses, malware, phishing scams and other general internet nastiness, is to think twice before clicking on ANY unknown link.
This even includes email from trusted friends and family, especially the sort of email that has a chain of addresses a mile long (I never click on anything in these messages). This general rule also applies to any email from a bank, any website where you might have an account (Hotmail, Google, Yahoo, etc.), your favorite web store, or ANYTHING else that informs you that you need to update your information by clicking on a link from the email.
By being sensible and careful, along with using a good anti-virus/internet security software package, you have a much better chance to avoid these problems.