Here's my solution: 1. Think of a 'stock phrase' that is simple for me to remember but likely to be unique, such as "angry dogs never jump for joy". 2. Write

Here's my solution: 1. Think of a 'stock phrase' that is simple for me to remember but likely to be unique, such as "angry dogs never jump for joy". 2. Write a simple program to generate 4 words at random, so it might generate "led show joke via" or "dean rock ranch ocean". 3. Generate a password by concatenating first letters of the stock phrase, the first two letters of the site name and the 4 random words. So the password for foo.com would be "adnjfjfo led show joke via" and the password for bar.com would be "adnjfjba dean rock ranch ocean". 4. As I generate the password I write down the site name and the 4 random words on a piece of paper which I keep in my wallet. So in our example I would write the following on the piece of paper: "foo.com=led show joke via; bar.com=dean rock ranch ocean" The approach is very secure because the owner of foo.com would have no way to discover my password for bar.com. And a thief who steals my wallet will not be able to access either site. Here's what I have found after several years of using this system: A) After a few months of use I often find myself memorising the 4 random words for the more commonly used sites, so I often don't need to refer to the piece of paper in my wallet when logging in. B) Many sites limit the length of the password - in these cases I generate 6 random characters in Step 3 instead of 4 random words. C) For sites where security is not so important I skip the four random words. So my password for foo.com would be "adnjfjfo"; for bar.com it would be "adnjfjba". This avoids me having to use the paper in my wallet, but still ensures that the password for each site is distinct.