There are just some unforeseen events that are very hard to avoid... like a virus destroying all of your files! I hate it when that happens. You have to get your computer reformatted and start from scratch all over again. So what should you do? BACK UP ALL YOUR IMPORTANT FILES. Yes Back up! Create multiply copies! Now there are even websites where you can upload your files and be able to access them anywhere. Pretty cool huh? well one of these sites is the one by Elephant Drive. You can find the link on the right side below the firefox button. =)
Check it out, it might just be the right one for you.
If not, try searching on google or yahoo for - back up files online - or something similar to that. =)
back up your files!