Windows is good at hiding important files in locations you might forget to backup. One example is Outlook. Unless you move your mailbox or backup data in your profile in a hidden directory then you may not be backing up everything.
I usually set Windows to locate my documents in a particular location instead within my profile. And setup Outlook to store email files (offline ones) in my documents folder.
If you create a new account with admin rights, it should have access to the folders of your other user including the Documents and Settings foler.
Also make sure your backup is okay. Even backup drives can have problems. I'd periodically do a scan of important backups.
I've now got so much media that is important (videos from camcorder, pictures and music) that I now have a NAS which is mirrored. That will then be made to periodically backup to an external USB drive attached to the NAS. Sounds paranoid I know but I don't want to lose files.
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