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Reputable firewall and anti-virus programs are an absolute must-have - but don't trust the Microsoft built-in variety (in my opinion).
There are programs available which will scan email pre-download although I find that Outlook's spam filter does an adequate job, despite my distrust of Microsoft products. One easy solution to the spam/phishing email problem is to set up your email client to display emails as text only - not html. And don't trust any email that appears to be from your bank! Banks, as a general rule, do not send them and the few that do shouldn't expect you to click any links. The phishing emails from supposed banks stand out like a sore thumb when viewed as text only.
As for file backup I'll stick to the external hard drive option like BarryW as I, too, am highly sceptical of the on-line off-site solution.
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