This comes directly from the Vipre newsletter. This is so so so important that I have cut and pasted it here. Some of the details below are for networks but home users are vulnerable. So read on [comments in red are from me].
Rogue Antivirus Product Wars
All antivirus companies are being hit with the next wave of malware: Rogue antivirus tools like Antivirus 2010. This code throws messages on the user's screen that they are infected, and "download here to get rid of the malware." Sure enough, that gets the Trojan installed.
Our CEO Alex wrote about this: "For what it's worth, as someone who is on the inside of an AV company and is intimately familiar with these threats, the reality is that no AV vendor, ESET, McAfee, Sunbelt, Sophos, Symantec, etc. can give you 100% coverage against it.
These new fake antivirus variants are some of the most vicious, polymorphic Trojans this industry has seen. They use extremely complex obfuscation techniques which make detection quite challenging by even the best antivirus engine. Many of these rogues are also service-side polymorphic. That means every time an exe is downloaded, it's recompiled on the server-side into a different piece of code. [this means it is mutating so anti-virus programs have a harder time detecting it when it is downloaded on to you machine]
And, there are about 75,000 new tier-1 pieces of malware coming out every day. So your AV vendor, realistically, is only going to be one layer of protection, no matter what the sales guy might say. (That being said, AV is a must. Just look at viruses like Conficker, Sality, Virut, etc. These are viruses that the industry does a pretty good job at, and if they get into your network and you don't have endpoint protection, it's quite messy.)
Key things to do are:
1. No Admin Privs. Try to run as many users on Limited User accounts as you can (always difficult, I know). It won't stop all infections, but it does make a difference -- probably 80% reduced infection vector. [this is for networks]
2. Patch aggressively. The key exploit vectors right now are PDF and Flash, then Windows/IE. When I browse the web, I obsessively check Adobe and Flash to make sure I'm fully patched, and I constantly check Windows update. It really is an absolute must. [Do your Windows, Adobe Reader and Flash updates but be careful....read on]
3. Educate yourself. The vast majority of infections these days are caused by social engineering. A user will get a funny video link on Facebook or some other social networking site, click on it, and it will say that they need to "install a special codec", or "update Flash". Or they will be doing a Google search and a malware site will have attached itself to an innocent keyword. The user will click and start getting crazy warnings that their machine is infected. This is the malware trying to get the user to install. If something does not look right, it probably is not right - DON'T CLICK ON IT! [if something starts downloading, shut off your computer immediately using the on/off button. Pull the plug if you have to. It takes too long to do start/shutdown. By then the download will have completed. Then try to remember what you were doing just before the download started. This will be where the malware was hiding waiting for you to click on something then boom, it started downloading onto your machine.]
4. Do malicious web filtering. There are tens of thousands of pieces of malware daily, but only a few thousand new malware sites a day. Many endpoint protection tools, including ours[Vipre], offer malicious web filtering.
5. Submit malware files to AV vendors. Most, if not all, AV vendors take customer submissions very seriously, and the internal escalations are always senior to anything else.
[6. Talk to your kids and other users in your household. Tell them what to watch out for, and if in doubt shut down immediately. ]