My main picture folder
Further Divided by Month (with some "date unknown" downloaded pics)
And further into a shoot date folder
I use Picasa to upload. I like it because when I download my pictures onto my computer, I can simultaneously upload to my Picasa web albums, which backs up my pictures! I don't upload my pictures as often as I should, so being able to back them up, at the same time, helps me stay organized.
Within each shoot date folder, I divide the pictures by "fb" and not. "Fb" pictures are"facebook appropriate" pictures, mostly pictures that people want to see of themselves or are okay with others seeing them! How do you organize your photos?