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You must have a system for passwords. Here is an example:
1. Take a phrase that means something to you. The longer, the better. "I love dogs."
2. Replace certain alphabet characters with special ones and numbers and capital letters. 1L0v#D0gs
3. Add numbers that mean something to you somewhere in the beginning, middle or end. 1L0v#D0gs1925
4. To vary by website, add an associative word for that website. E.g. Wells Fargo, ticker symbol WFC. 1L0v#D0gs1925WFC
5. Next website, just change the associative word, e.g. For your life insurance, De@th.
6. If the website doesn't allow special characters, just change to capital.
7. If there is a limit on the number of characters, take just the initials of your special phrase.
8. In case of password change requirements, just change the number in step 3 every time.
All you have to do is remember your associative word. Everything else stays the same.
One other tip. Don't use your name as login name if possible. Don't use joesmith. Use smithjoe251 or some alias.
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