But unfortunately it isn’t. It has virus code hidden in its background that IE isn’t protecting you from. While you’re looking at the site, the virus is downloaded onto your computer, he said. That’s one way of catching a nasty virus.

During the past two years, another prevalent way to catch a virus has been through downloads computer users share with one another, mostly on music sharing sites, Kuo said. On Limewire or Kazaa, for instance, teenagers or other music enthusiasts might think they’re downloading that latest Justin Timberlake song, when in reality they’re downloading a virus straight into their computer. It’s easy for a virus writer to put a download with a virus on one of these sites because everyone’s sharing with everyone else anyway.

Here’s one you might not have thought of. If you use Outlook or Outlook Express to send and receive email, do you have a preview pane below your list of emails that shows the contents of the email you have highlighted? If so, you may be putting yourself at risk.

Some viruses, though a small percentage according to Nachenberg, are inserted straight into emails themselves.

Forget opening the attachment. All you have to do is view the email to potentially get a virus, Kuo added. For instance, have you ever opened or viewed an email that states its "loading"? Well, once everything is "loaded," a virus in the email might just load onto your computer.

So if I were you, I’d click on View on the toolbar in your Outlook or Outlook Express and close the preview pane. (You have to click on View and then Layout in Outlook Express.)

On a network at work? You could get a virus that way. Worms are viruses that come into your computer via networks, Kuo said. They travel from machine to machine and, unlike, the classic viruses; they attack the machine itself rather than individual files.

Worms sit in your working memory, or RAM, Nachenberg said.

OK, so we’ve talked about how the viruses get into a computer. How do they cause so much damage once they’re there?

Let’s say you’ve caught a classic virus, one that replicates and attacks various files on your computer. Let’s go back to the example of the virus that initially infects your Microsoft Word program.

Well, it might eventually cause that program to crash, Nachenberg said. It also might cause damage to your computer as it looks for new targets to infect. This process of infecting targets and looking for new ones could eventually use up your computer’s ability to function, he said.

Often the destruction a virus causes is pegged to a certain event or date and time, called a trigger. For instance, a virus could be programmed to lay dormant until January 28. When that date rolls around, though, it may be programmed to do something as innocuous but annoying as splash popup on your screen, or something as severe as reformat your computer’s hard drive, Nachenberg said.

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