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From my experience and others I've talked to who are security buffs, don't answer any spam mail--even if they ask you to reply if you want to unsubscribe--and don't forward any chain e-mails, etc.
The best rule is to delete w/o opening any mail you don't want. The latest wave of viruses can be activated in Outlook Express in the preview pane, even if you don't open the email.
At some point you should invest in a good anti-virus package and if you use broadband (i.e., cable modem or dsl) you should get a firewall like Norton's Internet Security.
You'd be amazed how many port scanners there are on the net scanning the major ISP carriers looking for places to access. I use AOL and get about 3 to 5 probes a night that my security program blocks.
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