If you’ve either recently upgraded your iPhone or iPad to iOS 8 or purchased a new iPhone 6, beware a setting that could literally WIPE OUT all of your iCloud documents.

Word on the street is that in the event you tap the “Reset All Settings” and reset your device from scratch as if it’s new out of the box, OUCH — your iCloud documents are permenantly gone! This also means if you have your iMac or Macbook synchronizing with iCloud, they’ll be gone from there, too, as soon as it next syncs up.

So as I always say, “BACKUP, BACKUP, BACKUP!” Things stored in the cloud aren’t immune from issues, even though they may seem to be. Have at least two backups of your most important files: on an external hard drive and in the cloud; or 2 externals, one of which is kept offsite.