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I have "heard" that explorer is not the best option for sending secure information
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Pedantically speaking, it's more that it has, historically, been attacked heavily, including the kind that can keep track of where you go, and what you type. But some of that is in the nature of Windows, as well, which is why Vista (the latest Windows version) has been such a huge deal with it's security improvements (and annoyances!)
Myself, I use
Firefox, which is free and has a pretty good track record for fixing security issues. But, again -- if you have the wrong type of virus, or other computer break-in, no browser, no matter how secure, can help.
Layer your defenses. Get a good firewall, virus checker, spam checking, etc. Not saying the Internet is unsafe, but I am saying that, just as you'd not walk a dark street at night with your money hanging out, so too should you protect your PC against those who'd do you harm.
I can point to a few sources for info, if you're interested? I've been doing this techie stuff for *mumble**mumble* years, which doesn't mean you should listen to me! Just that I can try to point you to some places to help you get a tight grip on the issue. :)
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We have HTML format at work, so I have the same options of text modification (fonts, italics, etc) as I do in MS Word.
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Confused -- are you talking about email? If so, what email program are you using? I assume Outlook?