There are tons of sites out there that have pop-ups that are meant to look very official and some are even made to look as though they came from a program already installed on your computer. The above advice of "Fuck security, just don't click shit." is very solid. If you follow that, you'll be golden. All you'll need to do is use some antivirus shit here and there. I use AVG Free Edition. Not sure if there is something better out there, but I haven't had much of anything happen to my computer.
Just don't get fooled into thinking you've got tons of viruses or "malware" just because some pop-up said so. That is what those companies are banking on. They play on the fears of people that aren't very tech savvy. If you download anime-cat porn and go to those more unsavory websites, your chances of getting some sort of virus increase quite a bit.
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