When passwords first were needed I had a simple one and I only needed one.
Then the hackers started hacking into accounts so the web sites started beefing up security. Now I need more letters. Then banks wanted yet more security so now I have to add numbers or funny little characters.
Then the shopping web sites want extra long passwords. So by now I have pages of user names and passwords. I can't seems to remember which user name and passwords belong to which sites. It would take days to go back and change them all to long, numbered and character filled passwords. I at least made a list of them all in Word and alphabetized them then printed them out. Whew!
They say we should change passwords for financial institutions every 6 to 12 months. That sounds like a part time job.
We should use at least 10 characters. and should consist of a few parts. Such as theskyisblue that can be changed to theskyisgrey. This way you can just change one chunk and not the entire password.
Who can really remember all the passwords or user names? You really only have to remember one if you create a Google document at docs.google.com. This is a secure account and you only have to remember one password.
When you set up the file, list all of your log-in information. You will be able to access it from anywhere in the WWW world.