I do two things. First, I burn important documents to CD multiple times. I have copies of all my programs and apps. Secondly, I email all my important stuff to different web-based emails I use. That way they are not only not getting lost from my computer, they are getting backed up on a server somewhere. Sure, there may be a danger of my data getting stolen from yahoo or whatever, but somebody could take my CD's too. I usually do a clean format/reinstall about once a year.