[jr2]

1. Get an account at FileHO!  (Unlimited bandwidth, unlimited file size, and no time limit.)  -- Don't forget to activate the account, if you can't see the email, check your Spam or Bulk folder in your email.
2. Get FileZilla, a free Open Source FTP client.
3. Login to FileHO!, click on "Main", then click on "My FTP account"
    -take note of the site for FTP:

*If you want to use your FTP client, connect to xx.fileho.com with your login and password. After uploading complete get links in your account.

Now, in FileZilla, enter the site (eg s4.fileho.com), username, and password, hit "Quickconnect".
-You can now create folders in your FTP directory, and drag & drop from the local tree view on the left.

--Of course, I'm sure most of you already know of this, but for those who don't...
---Also, if anyone has better sites / programs, please post 'em! 
EDIT: And yes, Download Accelerators / Managers such as FDM do work.

[MP-Ryan]

SmartFTP or the FireFTP plugin for Firefox are both alternatives to FileZilla if people prefer them.  The FireFTP extension is actually a really handy one to have anyway.

[jr2]

I've got that one.. guess I could've used it, but I forgot I had it :