Best program setup to prevent viruses/trojan

What are the best programs to use to protect yourself from being hacked or getting any viruses/trojans. What personal setup do you use?

>>1
This is what you should do:

1. Never use MSIE, use the latest Firefox.

End of list. Don't disable JS, you can be admin if you want, you can use AVG, which is free (don't have it resident, just scan anything you download or are given by somebody else via commandline or AVGCC), and you don't need host files to ban certain domains.