This is an excellent overview of the malware topic (in relation to UAC) that I touched upon in previous blog post. Of course, solid anti virus/malware/spyware productions should be considered as a defense, but remember also that locking down your PC on the system (OS) level is important too: i.e. enabling UAC, the Windows Firewall etc. Learn how to use these tools, become familiar and the threat of malware will decrease for you.
"Fake antivirus products, when run, appear to carry out a scan of the user's PC and inevitably detect a series of infections which are actually false. The applications claim that in order to 'disinfect' the computer, users must buy the pay-version of the antivirus. If users fall for this ruse, they will be paying to remove malware which never really existed. The objective of the cyber-crooks behind these scams is, as in most cases, financial gain. Examples of fake antivirus products can be found here: http://www.flickr.com/photos/panda_security/tags/fakeantivirus/."
Increase in Fake Antivirus Products Caused Adware Figures to Grow in Q3, According to Panda Security
Read it Here!!