This is roughly what you should see when you double click the MyComputer icon on your Windows 9x desktop. At Co-Lin we map several drives to network resources.
Every account has a corresponding home directory.
Only that user and nosy system administrators have access to the files contained in that folder. Your password protects your files. You need to change your password on a regular basis. See the Novell Account Management section for howto on changing password. If I wanted to be even more organized, I could also create subfolders in that location.