You have probably heard about the recent Equifax data breach; you also probably received advice to take some action to protect yourself — buy a security monitoring service, such as LifeLock, or freeze your credit — so that no new accounts can be opened in your name. This is very good advice — BUT IT IS NOT ENOUGH!
You may also have been told to improve the passwords to your online accounts. This is VERY good advice. But did anyone tell you HOW to improve your passwords?? Probably not. There are very few easy solutions to HOW to improve your many passwords. BUT WITH A BIT OF EFFORT, YOU CAN CREATE GREAT PASSWORDS.
First, why worry about your passwords? Isn’t LifeLock good enough to protect against someone opening an account in your name or protect against identity theft? And, why would anyone pick on “me”, “I” am just one among millions, you might say.
So, A little story — I was working with a retired US Army Colonel who is an expert in cyber security. As you know, the Army and many parts of the US government have been targets of hacking and espionage. It is a real risk to the Army and the country. Terror risk is very high. He worked on those problems every day. The work was endless and important. But he told me an interesting fact: that the REAL risk from hackers is, and always was, the risk of losing your money, losing it out of bank accounts and other online accounts. As old as all time, the risk from thieves is about stealing your money! Modern hackers, working with large arrays of high-speed computers, can run millions of passwords a second to find and break the passwords to internet bank accounts. And, he said, they go after small bank accounts as readily as big ones, because they find the passwords so easy to break. With computer power, hackers can be into and out of an account in milli-seconds. They get your money and the banks and the Feds don’t have the resources to defend against “small attacks” or find the hackers and get the money back. Very likely, when your money is lost that way, it is gone for good.
Bottom-line: WE NEED TO PROTECT THE MONEY WE ALEADY HAVE! And MUCH better passwords can do that!
So, back to HOW to create and use better passwords.
Solving the problem depends on understanding the problem. Most passwords are too short, too simple, too much related to a personal fact — like a birthday or personal initials, and we repeat them too often from account to account. But to make them more secure and different, they become impossible to remember. So we all try to assure ourselves that some hacker would never go after ME, and we use simple, repetitive passwords based on some personal fact. AND THAT MAKES IT REALLY EASY FOR A HACKER WITH A COMPUTER TO SOLVE OUR PASSWORDS, HACK OUR ACCOUNTS, AND STEAL OUR MONEY.
BUT I HAVE FOUND A SOLUTION. IT TAKES A LITTLE EFFORT, A LITTLE MEMORY (BUT NOT MUCH) AND IT TAKES A WILLINGNESS TO SYSTEMATICALLY REVIEW AND CHANGE YOUR PASSWORDS TO CRITICAL ACCOUNTS. IT IS A SYSTEM THAT WORKS AND WILL PROTECT YOUR HARD-EARNED MONEY!!
TRY IT — please go to my courseware called THE MARSHELL PASSWORD SYSTEM, a unique solution developed by my good friend, Bob Marshell.