1.   Because Golfsmith and others upgrade infrequently, the one-time cost of paying full price for new software is cheaper than the total of the yearly fees.

2.   But HMOs offer patients full medical care for a set yearly fee, most often, in New York, by contracting with existing doctors and hospitals.

3.   CNET charges Internet services a start-up fee, a yearly fee and takes a percentage of the revenue from ads placed on the site.

4.   HMOs, which care for patients for a fixed yearly fee, will incur fewer bills.

5.   The dozen funds Phoenix is offering its policyholders also have high yearly marketing fees.

6.   The trend continues among funds to charge investors yearly fees if their account balances fall below a specified minimum.

7.   The yearly fee gives subscribers access to the list.

8.   The students, from the University of Ghana and a nearby polytechnic, demonstrated Tuesday to protest a new yearly fee for campus residents.