A trick to avoid getting hacked

I talked to a technical support representative recently when I was hacked. He said a lot of hackers use phishing software that "sniffs" your user id and password from things like your e-mail account. A way to avoid this problem is to regularly scan for trojans and scanning software. An easy way to foil such software is to have a text file on your computer with the user name and password already typed in, and to use the "copy" function to grab each of them, individually, and then the "paste" function to paste them into the login screen you're using. The hacker or software has a hard time following "Copy" and "Paste" keystrokes or mouse clicks (from the Edit menu at the top of your screen). Obviously, the text file should be well protected. I have created a file for all of my bank accounts and e-mail accounts, and haven't had any problems since doing so. Hope this helps others faced with this serious issue.