If you are surfing the web using a Microsloth product with no external security then you are an absolute fool and a big contributor to internet fraud.
Even the Evil Empire allows you to configure your computer to multi user mode and has some ( not really effective ) parental controls to allow children to use their parents computer without damage to data or softwear.
As a minimum you should be using an EXTERNAL firewall on an EXTERNAL modem/ router after you have CHANGED THE ROUTER PASSWORD.
It is very easy to make a new user account .
Set it up as an administrator / owners ( whatever Microsloth call the master account ) complete with a stupid name with some non alphabetical characters in it ( ~!@#$%^"+=) use a strong password that is easy to remember like the lisense plate numbers and model numbers of your last 2 vehicles. Do not use this account except when you install new applications.
Once you have done this change the status of your current account to a child and apply parental control to it.
This will not stop people stealing your details, data & identity but it will stop them loading malwear into your computer and deleting/destroying your data.
This site ( or the web host ) has been hacked.
Vietnameese hackers are pinching the identity of genuine users, changing the members name then use this connection to post spam, I am sure you have seen it.
Surfing without protection is like walking blindfolded across a busy interstate and expecting the police to ensure you get to the other side safely .