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Your knowledge of computers is not what will save you - and is pretty much irrelevant, though it may play a part in the antivirus protection you select.

Your personal activities are, historically, the clearest indication of the likelihood that you will become infected. Folks who venture into dark alleys should go prepared for what they may find there. You need to make sure that the antivirus product you employ is geared to the sites you visit.

Most well known sites employ antivirus scanning of their own to ensure that viruses are not proliferated from their site. If you frequent some of the more adventurous and perhaps questionable sites on the Internet then you must avail yourself of the highest level of of antivirus security available. This is where paying for Kaspersky would make sense.

If you largely visit well known and everyday sites on the Internet you are likely to find - as I and many others have - that avast will keep you safe for many years.