I think most of us are aware of the problems with a virus, Trojan horses, worms and Malware.
There have been some sites that I have visited that have pop ups, they are so annoying.
I am very aware of computer virus and keep my virus protection up to date.
I have not had a problem with phishing, but I do know of a person that has, he had a bad time trying to convince his bank that it wasn't him using a card, as it was oversea purchases and he was in australia at the time.