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Product: Paying for pre-installed bloatware anti-virus
Main downfall: It's disproportionately expensive and on the most part, useless
Reason to avoid: Would you ever trust bloatware? An anti-virus solution pre-installed on your desktop or laptop which says that it's protecting your computer (or not, they vary) but either way, it says that you need to stump up even more money than you've already spent, just to get it going? It's crazy. Uninstall it and forget about it. Push it to the very back of your mind and quash it down as if it never even happened. Think about a free anti-virus solution, because in many cases they're a lot better than the paid, subscription alternative.
Think about getting: a free anti-virus solution, because sometimes they're better than the paid versions.
Product: Cloud storage
Main downfall: Vulnerable to home and potentially foreign counter-terrorism and surveillance laws
Reason to avoid: There are plenty of reasons to avoid cloud storage. You could by accident breach the terms and conditions of the site rendering your account lost and useless. Another reason is that the data is out of your control, unlike an external backup drive. You can never be one hundred percent sure what's going on with your data, how secure it is or who it may be accessible to (such as the US Government, for example). Plus, you could end up paying through your nose for bandwidth costs, as download speeds are usually not bad but uploading stuff will cost a fair bit if you go over your allotted bandwidth.
Think about getting: a fully-fledged external backup drive instead.
Main downfall: Energy costs can be huge; noisy, pointless.
Reason to avoid: It is tempting, I will give you that. But even though in some cases they may not cost that much to buy or even run during the year, but with the state of cheap electronics in the United States (I've been there, I can judge) then the chances are you'll get an energy guzzler. Not only this, but they're noisy too - because a friend of mine had one in my first year of college and I could hear it from down the hall. Turn it off during the night? Yeah, if you want your beer to go cold. You could be spending your money on something more useful; like actual beer, in an actual bar, where there are actual people. A beer fridge just makes you unsociable.