Another way to protect your hard drive from crashes is to purchase a good virus scanner, preferably by McAfee or Norton, and keep protection tools enabled and perform a full system scan of every file on your hard drive once a month.
Some other minor precautions that you can take are to enforce a SPAM guard on your emails and delete your temporary internet files every once in awhile. You should also keep your operating system up to date by downloading updates for it as soon as they come out. Windows makes this easy, but I am not sure how easy other operating systems make this or if they even provide this option.
If you are a person who downloads a lot of files from the internet, then you need to exercise caution in what you choose to download, as hard drive crashes are commonly associated with faulty software from unknown sources on the net.
Of course the best way to save you a headache if a hard drive crash happens is to back up your data regularly. Data loss is the reason a hard drive crash is so hurtful, so if you back up your data daily or whenever you work on it, then if a crash happens you will have no sweat on your back. I recommend you save your files to a rewritable CD/DVD or floppy disc as soon as you get done working on it, especially if the data is business related.
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