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My top recommendations
1) Set a secure password on ALL accounts on your computer(s). 2) Use an anti-virus (AVG, Trend Micro, Symantec), and Malwarebytes and Spybot, configured to auto-update and scheduled to run every day. 3) Create a new login, limited user, for your kids to use if you must let them use your computer or laptop. 4) Use a credit card solely for the Internet and nothing else.