Here’s a neat little tip I picked up from Webmasterworld.com. If you’re worried about catching an infection from a contaminated website, then create a new user on your Windows XP machine that doesn’t have administrator rights.
Start-Control Panel-User Accounts
Create a new account (JaneDoes, frinstance)
Set as “Limited” user
Then, when you plan on visiting suspect sites, logoff from your admin account and logon as JaneDoe. Now, most rogue installers that the suspect site tries to set in motion will not be installable because JaneDoe’s account doesn’t have install rights.
Please don’t rely on this for full protection. Get Spybot S&D (the genuine one) and use its Immunize function to protect your browser. Or, join 15% of US net users who have adopted Firefox as their browser of choice and make sure you keep a tight rein on sites that you allow to install software.