Also try setting 32 bit disk access on. Most desktop systems support this. I have read reports, however, that it may slow Windows down due to the necessary translation from 32 bits to the 16 bit code used in Windows 3.x. Rogue programs may use up memory legitimately, but then not release it when the program is closed. After many uses of such programs, Windows should be restarted in order to claim back lost memory.
Resources are another thing, apart from memory, which are used up by programs when they run.
If you get an error message saying 'An error has occurred in your application', or 'General Protection Error', the only thing to do is to shut down and restart Windows. The blame lies in bugs in the program you are using, or unexpected interaction between buggy programs. The likelyhood of these errors may be reduced by providing the machine with more RAM or virtual memory. General Protection errors may also be caused by incorrectly installed programs. This happened to me with OLE2 files.