Once you've learned the basic of poker, then PokerTracker or PokerOffice can be very beneficial. But if you are just starting out, just focus on the basics, you don't need the software yet.
As far as depositing, any of the big sites are safe (PokerStars, FullTiltPoker, etc). I don't know what cheat software you want to download (as they are a load of shit), but you can be confident in your deposit on these sites.
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