My wife once clicked on a "you may have a virus click here" type thing, and the next thing we knew we had a virus, and the only way we could get rid of it was to pay for their software to get rid of the virus.
We took it to a computer shop, they cleaned out the harddrive, and had to reinstall all my stuff. Cost a bit of cash. The next time my wife did that, we bought a new computer. Now she's not allowed to click on ANYTHING!!!
Back up your stuff using Carbonite or one of those other "Cloud" based back up companies. It is worth the $100 for 3 years. We lost lots of photos to a virus. Baby pics of our 5 year old son. Wedding pics, all kinds of stuff.
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