OK,
PP has agreed to refund one account. Now to convince about the other.
I scanned with ESET and got a reboot without me being able to see results. NTDLR is missing was the result of the reboot. It took me a few hours to remember that I needed to use a PS2 keyboard to access BIOS. All OK now.
I scanned with all of suggested software and got no serious problems. I dont know about ESET because it takes so long to scan that it finishes in the middle of the night and does a reboot without input from me. I think that I'll do a clean install at this point.
I have changed all passwords and encrypted a file that I use often and have moved it to a flash card. I will change LastPass master password after the reboot. Any further suggestionhs? Thanks everyone for the kind suggestions and advice.
Moderators
I am glad you are getting things reconciled with paypal."I scanned with ESET and got a reboot without me being able to see results. NTDLR is missing was the result of the reboot." This makes me curious as to what OS you are using?
Windows 7
Moderators
Just curious as to why Eset would come back with a NTLDR error when W7 has a totally different bootloader. I do believe I would open an elevated command prompt and do a "bcdedit" command and see if their are any rogue entries in the bcd store. If W7 is the only entry then this has to be an Eset problem.
What I meant to say was that after the reboot I had a NTDLR is missing problem but fixed it straight away. Still working with PP
I'm sure we've all heard the old saying about locking the barn door after the horse has escaped. That holds true, when it comes to Computer Security.
Or maybe you remember "an ounce of prevention is worth a pound of cure".? Both old saying were drummed into me as a child and stick with me today.
Being in the computer business since 1980, I've set my attention to both Computer Efficiency, and Computer Security.
A long time ago, I came to the realization that NO ONE program or Suite can 100% protect the home computer. So whatever program you currently use and have faith in, is probably no more than 50% effective in protecting you from the bad guys.
As time has gone on, the number and type of malware has grown from an acorn to a mighty oak.
So I use a 'Package' of anti-malware software to protect my own PC and many of those titles I share with my customers who have the ability and temperament to run them efficiently.
I saw the term "Key-Logger" mentioned earlier. I ran into a nice little FREE 'Anti-Keylogger' program from 'Zemana' that I currently use. It's pretty much self sufficient and requires very little attention from me. And should a Key-Logger ever try to set up shop on my PC, that little program will block it.
I've also seen 'Malwarebytes' mentioned. Not a bad little program but definitely NOT an Anti-Virus program, it misses as much as it finds, and it can be a handful for many users.
But they also put out a nice little, low maintenance program called, "Malwarebytes Anti-Exploit FREE", which I now run.
Probably the most effective program I run is "Super Anti-Spyware".
It not only removes PUP's that other programs miss, but it finds and removes "Tracking Cookies" not even seen by other programs.
Recently, I installed and ran "Super Anti-Spyware" for a customer of mine, and it found and removed 14,000 Tracking Cookies that were totally ignored by several other programs. No computer can be totally safe, with that kind of an overload of malware.
Be safe and secure!
TechnoMage 
A man with experience is never at the mercy of a man with an argument.
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