Here is what I teach:

Mozy, Carbonite, FreeFileSync, Dropbox, are not Backups. They are Mirrored Copies of the working folders and files. You want to be using the Programs' Backup functions when a Program has it, such as Ashley points out for Lacerte. You put these somewhere safe, such as letting Mozy, Carbonnite, etc mirror these Special Files. That way, you are using your program to manage its own files the way it needs to manage them, and you are using a Storage routine to keep them in more than one place.