word wrap

how do I perform word wrap for a certain no. of columns on a file stored on disk, when reading the file to buffer, do I read 1 line at a time, a certain number of characters or the whole file itself to memory?
The input file is a txt file.
ups for replies
ups for the well formatted question. Providing us with a wealth of useful information including OS, Compiler, Console or Gui App etc.

http://www.cplusplus.com/forum/articles/1295/
What does ups stand for? (besides United Parcel Service).
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Uninterruptible Power Supply ??
"ups" as in "ups to you". A sarcastic way to say thanks.
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