Yes.  
Heartbleed is a complicated situation.  Basically, there is nothing you can do 
about it, as the exploit is on the website -- not your computer.  The exploit is 
that in many situations, if it is present, heartbleed can steal the password to 
the website you are logging in to.  Here's what you need to know to make 
decisions about what you should do.
1.)  
Most Internet security applications cuurently will NOT detect heartbleed, 
because it does not reside on your computer. This may change -- but heartbleed 
is a "passive" exploit, and therefore difficult for your security app to 
detect.
2.) If 
you do not do any financial transactions over the Internet, and/or have no 
memberships with significant amounts of personal information about you on them, 
you really don't have much to worry about.
2.)  If 
heartbleed DOES give you a reason for concern -- you first need to find out if 
the website that concerns you is vulnerable to the exploit.  Here are two 
websites that claim to be able to check other websites to see if they are 
vulnerable to heartbleed...
If the website is vulnerable, that does 
NOT mean that they are infected with heartbleed -- only that they CAN be 
infected with it.  They will probably have instructions on what they prefer for 
you to do.  Most vulnerable sites are recommending that you NOT change your 
password until they have patched the vulnerability.
3.)  Because this vulnerability has 
existed for a while, the general advice on the Internet (and I strongly agree 
with it) is:
      
a.) Change all of your passwords for all sites .
      
b.) DO NOT use the same password twice.
Yes, 
this will be a major aggravation, but IMO, it is necessary for everyone for now 
and into the future.  This is not just because of the heartbleed virus, but 
because of major exploits that techies like me are seeing "coming down the 
road".  I am now working on a broad-range "Security Makeover" plan to offer my 
customers that will include how to manage multiple, non-duplicating passwords 
easily and safely.  I hope to be emailing you with details by 
mid-May.
Hopefully this will answer 
your most of your questions.  If not, just let me know...
