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A fixture of the web experience is the need to memorize a bunch of pairs of login / password. Using the same combination for all reliable resources just as much as the weakest of reliable sites. Because using the name and password of your bank on startup - bad idea.
For those of us whose memory is shorter than the memory of Superman, we offer several ways to work safely with usernames and passwords.
7 Ways to Manage Your Passwords [Mike Gunderloy]