The fix hacked wordpress database Codex has an outline of what permissions are okay. File and directory permissions can be changed via an FTP client or within the administrative page from your hosting company.
Everything you have worked for will go with it should the server of your site go down. You will make no sales, get no visitors or signups to your website, until you have the website back up 32, and in short, you are out of business.
It represents a necessary task, while it's an odd term . We're not only being obsessive-compulsive here: servers go down every day, despite their promises of 99.9% uptime, and if you've had this happen to you, you know the panic is it can cause.
Along with adding a secret key to explanation your Home Page wp-config.php file, also think about altering your user password to something that's strong and unique. A great tip is to avoid common phrases, use letters, and include numbers, although wordPress will let you know the strength of your password. It's also a good idea to change your password frequently - say once every six months.
The plugin should be updated play nice, to remain current with the latest WordPress release and have WordPress and restore capabilities. The ability to clone your website (along with regular backups) can be helpful if you ever need to do an offline site redesign, among other things.