Cryptography expert Bruce Schneier used to write his passwords down on a slip of paper and keep it in his wallet.

Today, he uses a free Windows password-storage tool called Password Safe that he designed five years ago and released into the open-source community. The desktop application lets users remember only one master password to access their password list.

But Schneier still recommends the paper method for people who don't have their computers with them at all times like he doe...

One of the best ways to protect your online security is to have strong passwords that you change periodically. But that's easier said than done. Coming up with hard-to-guess passwords is hard enough, but it's even harder to have separate passwords for different sites and to remember new ones after you change them.

One way to create a password that's hard to guess but easy to remember is to make up a phrase. You could type in the entire phrase (some sites let you use spaces, others don't) or y...