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With usb thumb drives having large storage capacities now, it's easy to have several locations to keep important data.
My Quicken data is kept on the cloud, and also on a thumb drive. There is no personal financial info in that backup, so I can keep the thumb drive on my keys with no worry about someone getting my bank or credit card info. But if Quicken crashes, it's easy to restore the most current backup. I back it up every month after I pay bills.
The same with Calibre...I export the data every 2 weeks or so, and have it on 2 different thumb drives.
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