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If you're using Thunderbird you can set it so attachments aren't automatically downloaded which reduces the chance of getting a trojan/virus from emails. "Reduces" being the key word, because if you do download the attachment and open it well, you're on your own pal.
Under Tools > Account Settings > Server Settings check the "Fetch headers only" option.
I believe most email programs have that option but you have to check the particular one you use.
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