installing without erasing will only overwrite the main system files. your 
personal settings (in /Users/<pathname> ) will not be altered. in fact, they 
might get backed up to a directory called "old-home:.

still, backing up is not a bad idea. you might find the system has inconsistent 
operation unless you erase and reinstall. part of this is from settings files 
in /System and /Library. by erasing, you set the system to "factory new". then 
you can import your /home from time machine and whatever apps you want to have. 

-Eric

On Jan 24, 2011, at 1:48 PM, Sarah Alawami wrote:

> Well it looks like my OS problem din't go away and I don't want to do it but 
> it looks like i need to reinstall. Well I think I'm doing pretty good after a 
> year of owning this thing. Anyway I don't want to loose anything. I am backed 
> up via time machine and I know how to work the installer but what is the 
> difference between installing with out erasing the disk and installing after 
> formatting the disk? and which is better. Also if I have to format the disk 
> How will I restore from the latest time machine back up using the OS10 disk?
> 
> Thanks all.
> 
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