Stay safe, reduce reliance on passwords

By Anick Jesdanun ,AP

NEW YORK — Mix upper and lower case letters in your password? Substitute the numeral 1 for the letter l? Throw in an exclamation point and other special characters? Who can remember all that for dozens of websites and services?

No wonder it’s tempting to turn to apps and services that promise to keep track of your passwords, either on your device or online. All you need to remember is your master password.

But these password managers are like treasure chests for hackers. If your master password is compromised, all your accounts potentially go with it. Services that store password data online are particularly troublesome because they are easier for hackers to break.

Don’t do it, I’ve been saying for years. Now, I hate to say, ��I told you so.��

LastPass, which offers a service that stores multiple passwords in encrypted form, says it has detected ��suspicious activity.�� Although it says it found no evidence that individual passwords or user accounts were breached, it’s advising users to change their LastPass master password.

I advise users to come up with a better system instead, one that relies less on just passwords.

Here are some tips:

All Accounts Aren’t Equal Instead of having to remember dozens of complex passwords, maybe you need to remember only a half-dozen.

Focus on accounts that are really important: Bank accounts, of course. Shopping services with your credit card information stored. And don’t forget email.

Who would want your mundane chatter? Well, email accounts are important because they are gateways for resetting passwords for other services, such as your Amazon account to go on a shopping spree.

What about Other Accounts? Maybe you don’t need to worry about a password for a discussion forum or a news site. Yes, there’s the embarrassment of someone posting on your behalf, but it’s not the same as stealing thousands of dollars. Yet if it’s a discussion forum you value, and you’ve established a reputation under that identity, you might want to prioritize that, too. That thinking applies to social-media accounts such as Facebook and Twitter.

For the rest of your accounts, it’s not as bad to turn to a password manager, but it might not be necessary. Web browsers from Apple and Google have built-in mechanisms for storing frequently used passwords. You even have options to sync those online if you use multiple devices. Google’s new Smart Lock feature extends that to Android apps, too, so you’re not limited to Web browsing. Many services also let you sign in with your Facebook or other ID instead of generating new passwords each time. Make sure the ID service offers two-step verification, as I’ll explain later. Turn that on.

Again, use these only for your less-important accounts. For the highly sensitive ones, choose a unique password and remember it. Write it down by hand and keep it in a safe place. If you must store it electronically, use password-protected files kept on your device �X not online.