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What annual fee? For anti-virus software? If you're running windows I highly recommend Avira AntiVir personal edition, it has proven to be more effective than paid software time and time again. Along with some decent firewall software and web browser security add-ons, you're computer will rarely get infected or hacked.
pay the annual fee
I would say Comodo Firewall is just about the best free firewall available, but I wouldn't rely on any anti-virus software made by Microsoft.
Comodo