That is the question that Mozilla, the nonprofit organization that makes the leading alternative browser, hopes to answer this month when it releases version 3.0 of its Firefox Web browser. In some tech-industry circles, Firefox already is preferred over Microsoft’s (MSFT) Internet Explorer and Apple’s (AAPL) Safari, but it still isn’t used by most people, and Mozilla is hoping to broaden its appeal.

The new version will be released simultaneously for Windows and the Mac’s OS X operating system, as well as for Linux. While each of the three editions will have the visual style of the operating system on which it runs, all three will have the same features.

I’ve been using prerelease versions of Firefox 3.0 for months, and have recently been testing a near-final version and comparing it closely to IE and to Safari. I have tested it on multiple Windows PCs and Macs, on desktops and laptops, over slow connections and fast ones. I have tried it with well over 100 Web sites.

My verdict is that Firefox 3.0 is the best Web browser out there right now, and that it tops the current versions of both IE and Safari in features, speed and security. It is easy to install and easy to use, even for a mainstream, non-technical user. It can be downloaded, free, at mozilla.com by clicking on “Firefox 3 Sneak Peek.”

This situation may change. Microsoft is working on a new version of IE, scheduled to be unveiled later this year, with some impressive new features. And Apple is always working on new iterations of Safari, though it is secretive and hasn’t disclosed its plans. But for now, in my view, Firefox 3.0 rules on both Windows and Mac.

I couldn’t find any significant downsides to Firefox 3.0. Every page I tried rendered properly and rapidly on both platforms. I ran into only one glitch, in a preference setting. That problem appeared on only one of my four test machines and was fixable with the help of Mozilla, albeit via a geeky method.

In the one or two cases where Firefox lacked a feature I thought important, such as the “auto fill” feature in Safari that can quickly fill out an online form, I was able to find an add-on that did the trick from Mozilla’s vast library of add-ons, which are written by people all over the world. (One caution: Some existing add-ons won’t work with the new version until their authors update them.)

When Firefox first came out, it was the fastest browser, but it lost that title over the years. However, in my tests, this new third version of Firefox regained the speed crown. It beat IE 7 handily on my test Windows computers and edged Safari slightly on my test Macs.

For example, using a new Dell (DELL) XPS One desktop, I opened identical folders containing the same 16 bookmarks on both IE 7 and Firefox 3.0. IE took 37 seconds to completely display the 16 pages, but the new Firefox did it in just 23 seconds. On a new Apple iMac, I did a similar, but more daunting, test — opening identical folders containing 24 bookmarks. Safari rendered all of the pages in 36 seconds, but the new Firefox finished the job in 32 seconds.

The latest Firefox has a number of new and improved features. If you type any word or phrase into its address bar, the browser instantly searches your history and bookmarks for a possible match, to save you from typing or combing through your bookmark list.

The whole process of managing bookmarks has been vastly simplified. Every Web address is accompanied by a star icon at the right. To bookmark the site, you just click the star once. No other action is required. To specify where to file the bookmark, you click the star twice. You also can remove bookmarks by clicking the star. And you can tag bookmarks with key words, to make it easier to find them.

There are also smart bookmark folders, which gather your most visited sites, or most recently bookmarked sites, automatically into folders. You also now can more easily back up and restore your bookmarks, complete with tags.

Security is also improved. The old version of Firefox would warn you when a site you were visiting appeared to be a fake, designed to steal your identity. (IE has a similar feature, though Safari doesn’t.) But Firefox 3.0 now warns you about sites that are known for trying to plant viruses, spyware and other malicious software on your computer, a warning the other big browsers don’t yet provide.

With one click, Firefox 3.0 also provides details about who owns the site you’re visiting, and whether it’s encrypted, if the site owner has adopted a special type of security certificate.

My bottom line: Even though you already have a built-in browser, Firefox 3.0 can improve your Web experience.

• Find all of Walt Mossberg’s columns and videos online, free, at the All Things Digital Web site, walt.allthingsd.com. Email him at mossberg@wsj.com.

These types of attacks are called “social engineering,” and they are used by criminals to steal your money and identity, and to plant on your computer malicious software that can be used to keep ripping you off. Social engineering is the online equivalent of an old-fashioned con game, in which a crook frightens people with false warnings, or tempts them with false promises, and then robs them.

While viruses and spyware overwhelmingly afflict Microsoft’s (MSFT) Windows users and spare users of Apple’s (AAPL) Macintosh computers, social-engineering schemes can ensnare Mac users as well. There’s nothing inherent in Macs that makes their owners more resistant to falling for social-engineering scams.

The most common form of social engineering is called phishing, a one-two punch using both email and Web browsing to trick people into typing confidential information into Web sites that look like the sites of real companies, especially financial institutions. But these phishing sites are actually skillfully designed fakes that transmit your sensitive data to criminals, often in distant countries. Once these creeps have your passwords and account numbers, they can loot your funds and steal your identity.

Here are some tips to help you avoid being the victim of social engineering, updated from a similar column I wrote in 2006. It includes information on some antiphishing software that wasn’t available back then. But remember: Security software alone can’t save you from scams.

1. Never, ever click on a link embedded in an email that appears to come from a financial institution, even if it’s your own bank or brokerage and even if it looks official right down to the logo. The same goes for payment or auction services, like PayPal or eBay (EBAY). Don’t do this even if the email asserts that your account has a problem, or that the bank has to verify your information. And certainly don’t enter any passwords, Social Security numbers or account numbers directly in an email.

These types of emails are almost always fakes, and the links they contain almost always lead to phony Web sites run by criminals. The only exception might be a confirmation email from a brokerage firm concerning a trade you know you made minutes before. Even legitimate-looking addresses in emails or in the address bar of Web browsers can be fakes that hide the crooks’ true Web addresses. The lock icon on a Web site can also be falsified.

If you are truly worried about your account, call the bank or company, or go to its Web site by manually typing in its address or by using a well-established bookmark in your browser that you created yourself.

2. Don’t click on links to offers for free software or goods that you receive in an email, especially from a sender or company you’ve never heard of.

3. Never download software from unfamiliar Web sites unless you are absolutely sure you need it and it’s legitimate. Even if it claims to be a useful program, it may very well be a malicious application like a “key logger,” which can report back to crooks everything you type into your computer. If you really want the program, do a Web search on it first, to see if others have reported it as a malicious fake.

4. If a Web site tells you that you need to download special viewing software to see its videos, don’t do it. Even if it claims to be giving you legitimate viewing software, like Microsoft’s Silverlight, Adobe’s (ADBE) Flash or Apple’s QuickTime, don’t download it there. Go to the official Microsoft, Adobe or Apple Web sites to get these viewers.

5. Use a Web browser, like Internet Explorer 7 on Windows, or Firefox 2.0 on Windows or Mac, that includes built-in features to warn you about, or block access to, known phishing sites. The next versions of these two browsers will have even stronger features that will detect sites that are not only fake, but which are known to distribute malicious software.

Unfortunately, the third major browser, Apple’s otherwise excellent Safari for Mac and Windows, lacks any such antiphishing detection, though I expect Apple to add the feature in a future version. So, for now, Mac users worried about phishing should rely on Firefox.

6. Consider security software that tries to detect and block phishing sites. McAfee’s (MFE) free Site Advisor and paid Site Advisor Plus products do a good job. Symantec (SYMC) has similar features built into its large security suites, Norton 360 2.0 and Norton Internet Security 2008.

7. Educate yourself by reading about social engineering and phishing and how to avoid being a victim. Microsoft has a very good guide at: microsoft.com/protect/yourself/phishing/identify.mspx and Symantec has one at: symantec.com/norton/clubsymantec/library/article.jsp?aid=cs_phishing.

Follow these tips and you’ll be a happier — and safer — surfer.

Find all of Walt Mossberg’s columns and videos online, free, at the new All Things Digital Web site, http://walt.allthingsd.com.

• Email him at mossberg@wsj.com.