You may not be aware of the endless stream of invisible threats you expose yourself to every time you log on to the Internet.  In order to combat these dangers you really should have a quality anti-virus, anti-spyware and firewall installed on your system.  There are hundreds of new malicious threats created daily designed to infect your machine, steal your personal information, corrupt your files and generally cause great harm to you and your computer. 
There are also  keyloggers  to steal your personal information.

Viruses and spyware are also used to steal personal information from you such as your address, phone number, social security number and your mother's maiden name.  This information can be used for anything from stealing your money, applying for a loan, or using your details for forging fake passports and other important documents.  When the crime is detected by the authorities it is linked back to you. 

For those on a low budget there are various free anti-virus and anti-spyware programs available that do a decent job of protecting you.  However, if you can spare some money, it is strongly advisable that you purchase a quality Internet security package, which includes a whole array of defences to keep you adequately secure.  You generally get an anti-virus, anti-spyware, firewall, identity protection, email protection, parental controls which protects you and your family from all the major threats. 

Finding  keyloggers  on your computer is next to impossible unless you have professional help in the form of an updated spyware removal software system.  The real problem is that if you don't know that a keylogger is tracking everything you do then you won't know when the little darlin' has stolen your bank account passwords or your credit card numbers until a theft of your assets has been attempted.  And the discovery may only be made by you after your assets have been raided and depleted.

This is a big challenge to the internet community.