Cryptainer LE - Create an encrypted vault (folder) on your hard drive. (2000/XP/Vista 32bit)
EULAlyzer - Analyze software license agreements in seconds. (XP/Vista)
Hamachi - Hamachi allows you to set up a secure Virtual Private Network. I use it with UltraVNC (see below) to access my home computer from the office, hotels, etc. (XP/Vista 32/64bit)
KeePass - Free program to store passwords. Works great for websites! Saves a lot of time entering password, usernames, and sign-ins I prefer Roboform due to its more mature integration with Internet Explorer and FireFox. (XP/Vista)
PlacesBar Editor - When you save or open a file in Windows XP there is a box on the left with "places". My Computer, My Documents are usually there. This program allows you to modify the selection to any locations of your choice. (XP/Vista)
Loan Calculator - Free loan calculator. Easy to use. Detailed results. (XP/Vista)
Moffsoft Calculator - This program beats the calculator that comes with Windows hands down! Easy to use, and includes a virtual tape display so you can see exactly what you've entered and calculated. You can even print the tape. (XP/Vista)
Magic Jelly Bean Keyfinder - Should be in everyone's computer toolkit. Magical Jellybean Keyfinder will find and display product registration keys for every version of Windows from Win95 to Vista, as well as Server 2003 and 2008, and Office XP, 2003, and 2007. (XP/Vista 32/64bit)
Virtual PC 2007 - Free software from Microsoft that allows you to create and run other operating systems within Windows XP and Vista. This is great for testing software, browsing without fear of spyware, and many other uses. (XP/Vista 32/64bit)
PrinterAnywhere - Print to someone else's printer over the internet. (XP/Vista)
UBCD4Win - Ultimate Boot CD for Windows. Build a CD bootable copy of Windows. Great for troubleshooting, virus, spyware, and malware removal.
TextMaker Viewer - A free viewer for Microsoft Word and OpenOffice documents. (XP/Vista)
UltraVNC - Control another computer from the computer you are on. Your screen displays the screen from the other computer. It's just like you were there. You can transfer files too! (XP/Vista 32/64bit)