1. Update & save my tree every month or so to a ged com. But this doesn't save the Photo's. So I use step 2 also.
2. I purchase a CD or flash drive of my family tree every year or so for the sole purpose of saving all my photo's & notes etc; This gives you a copy of your tree as of that time. If you loose your tree & can't get it back. You then have it on CD or flash drive whereas all your hard work is not lost.