If you have seen the following message on your MSN, DO NOT download the file.
Hey, is this your picture? =Z http://www.msnimages.net/images/viewimage.php?=abc@hotmail.com
It is a virus. A quick google also show up a variation of similar virus involving the user downloading a unknown picture from MSN. In fact these virus have been around for quite sometime. So make sure it is really your friend sending you a picture!
To date, I have two friends whose computer is infected with the virus. Fortunately their Anti-Virus is able to bail them out though it is troublesome to do it. Thanks to Techie Talks for the reminder.