We use Carbonite, one son uses it, and another son uses Mozy. All seem to work as they say. I think about $50 a year. We don't keep passwords on the computer, but enter them every time. Don't know if this makes on line backup more secure or what. It's been years and we haven't had any problems. Both sons had to restore computers, one with Carbonite and one with Mozy and they were both pleased with the results.