The problem: Today's cell phones are tiny computers with increasingly vast storage capabilities. The first generation of viruses and sneaky "Trojan horse" programs is just beginning to emerge. The Cabir virus, for example, targets phones that use the Symbian operating system, beaming itself to nearby devices via the Bluetooth link.

The solution: Simpler is better: Disable features (such as Bluetooth or software downloads) that create extra vulnerabilities. Otherwise, get ready for a world where mobile phones require antivirus and anti-spyware programs.