Coffee in hand and a poor wind forecast - then read on...
First up consider the internet - who and how is the vast structure being funded?
Back in the very early days - it was public but now it is big business.
There are a few very big players in the background running server farms on mind boggling scales. The owners of the OPERA browser are one, Google has mirrored the complete internet. And then there is the ability to plug into leaks and soft spots.
Security on the internet boils down to vested interests (Banks, government agencies etc). How far does your personal vested interest go?
Before going on think at how rapidly the SSL (Secure Socket Layer) encryption algorithms have grown.. 48 bit dead buried 128 bit should be dead and buried, 256 bit is common and 1056 bit on specific protocols. Basically it is what protects your data by churning it up when it leaves your PC to the destination where the reverse occurs. There is a reason - those soft spots...
What can you do with out being a total geek...?
YOUR SOFTWARE / HARDWARE
1) on the home front protect the front door (your adsl router to the internet) at a minimum set a password not the default.
2) For your LAN / PC review this it will give you an insight at the least..
(although controversial and taken over by a bigger concern it appears to still run on being impartial)
www.matousec.com/index.html 3) Optionally go for anonimity on the internet... read this...
en.wikipedia.org/wiki/The_Onion_Routerwww.torproject.org/overview.htmlYou end up saying you have to trust someone - but do not under any circumstances sign-up for unsolicited PC protection products without at a minimum doing 15 - 30 minutes googling for 3rd party opinions...
YOUR HABITS

or

but willing to learn or

ring in for allcomers...
The subject of safe habits.... ah perhaps someone else wants to run with this...
Where is that wind?

??