thanks for all the answers.
I am most concerned with spyware because of my bank account paypal and stuff I use. I am concerned that perhaps linux pcs get spyware and I just wouldn't know about it. With windows you know because there is so much free spyware and anti virus software installed but how would I know if someone is tracking all my files on linux?
I am with aol and my old windows pc came with aol anti spyware and norton anti virus but now I have none of that on my pc.
I am just concerned about people been able to see my files etc on linux.
No built in anti virus or spyware like windows.
Use a Live-cd then for online banking.