Speaking of modern browsers, now is the time to switch from Microsoft's Internet Explorer (IE) to something else. Why? Regardless of what you may think about Microsoft, the types of attacks being launched against IE now make it likely that your personal banking/credit card information will be stolen. If not today, then tomorrow, or next week. It's become a matter of when it will happen, not if it will happen. Prior to now, most attacks were from teenage boys trying to prove their manhood to their friends by owning as many other PCs as possible.
Bad as that may have been, now, Russian/Pakistani/Indian organized crime syndicates have begun to exploit security holes in IE to steal your banking and/or credit card information so they can steal your money and identity. If you've ever been a victim of such crimes you know that it takes years to clear the problems caused by these attacks.
So, there is no time to waste. Right now, go to Mozilla or Opera and download one of their browsers. Use them instead of IE and remember to be careful out there...