The Head Bartender is right on the mark here.
Here are my recommendations:
- Remove FLASH and Java from your systems. New vulnerabilities appear continuously.
- OK, we need FLASH for many photo sites; run FLASH only in Google Chrome which is a somewhat protected environment. Chrome will update it automatically.
- If you use an Android phone, seriously consider changing; Google and partners have to figure out how to update these timely
- Install all security updates on all devices immediately as their appear. Automatic updating is a good idea.
- Use a strong unique password at every site and login
- Use a password manager program to make this practical
- Don't click on links in emails. Ransom-ware is often distributed in an urgent-looking email, e.g. "Click here or you'll be fined $1000 for a toll booth violation."
Agree on everything here. For Android, consider looking into the Google Nexus line. They are (at the least) on par with Apple in terms of security.
Using a Mac does not absolve you of duty to purchase (and update) antivirus. ~10 years ago Macs were generally secure enough on their own. This is not the case as of 2015.
Using Chrome (on any device) is a good idea in general. Their Sandbox is fairly competent and should be a good first line of defense.
For Android phones, don't install anything that looks suspicious. Even if an app comes from the Play Store, take ~10 second to review the permission requests before installing. A music player has no reason to be peeking in your contacts list.
...and some other (perhaps more technical things):
If you have a windows 8/10 laptop with an SSD, considering encrypting your main drive. HDDs do tend to slow a bit with device-level encryption.
If you have an Apple laptop, make sure your OS is no further than 1-2 generations behind the latest. Running Snow Leopard in 2015 is a bad, bad idea.
Use a secondary email address for mailing lists and general sign-ups. Make sure this has a password that's not shared with your online bank account, etc.
Flash is actually not *too* bad in this age. Efficiency-wise it's a hog, but the true proverbial fault point is Java. Java needs to burn in hell. Don't install it if your work doesn't absolutely depend on it. Java has year-old, glaring security issues yet to be patched. Malware loves them.