Computers are machines designed for the good of mankind but there are those who use them to harm people, steal valuable information like someone social security, bank accounts, etc.
To avoid these, the trick is you equip you self with information and knowledge and information to avoid hackers and phishers from accessing your computers, accounts, etc. These guys gets creative from day to day so keep yourself updated. You must also keeps computer's protections updated, having an un-updated anti-virus is worst than not having one.
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