Are you backing up your files?
Check out this great Lifehacker posting on ways to back up your files. Data redundancy is important and necessary: "Your files should exist in at least two places, or it's no longer a backup - and your data is at risk."
There's also a comparative review of newer online backup/file-syncing tools like Dropbox and Mozy.
Here's a quick video description of Dropbox:
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