Safe Finances Online (part 3): Passable Passwords

Password protection is not an unbeatable system when it comes to Internet security, but it’s extremely common. Oftentimes it’s the only barrier between your sensitive data and the outside world.

Think of your online passwords like locks. The more elaborate the lock, the harder it will be to crack it.

Here’s how password cracking works, so you know what you’re up against: A hacker runs a program that tries thousands of passwords for logging into a website. Sometimes sites have security measures to prevent this, but others don’t.

The cracking program uses words from the dictionary, proper nouns, and potentially any common phrase. It will try combinations of numbers, and lower and upper cases.

So a strong password is one that is not easily accessible, i.e. would not be a likely Google search.

A very strong password: 5h#oo97Bs%152mU0s&3H”k

Notice how long this password is: over 14 characters. That is considered a good length for a tough password.

Notice too how it is a combo of lower and upper case letters, numbers, and symbols. There is no recognizable phrase or pattern.

But this password is tough to remember. One this tough is perfect for say, your bank. But for your email or Facebook account, you might want one that flows easier.

A medium-strong password: t3xh()Ma898989^

Perhaps you like the name of the town “Texhoma”, so you mutate that into the first component. Then you repeat some digits before adding an extra symbol.

Note that you shouldn’t use a word that has a personal connection (as if you were from Texhoma). Even if it’s mutated, it still shouldn’t be a short or common word (like “Fr33” or “1nT3rN3t”)

What to avoid. Avoid any phrases related to your personal life—your name, your address, your pet (which is very common), or your interests.

Avoid obvious combinations of anything: “abc123”, “qwertyuiop” “money$$$”.

And never use the password “password”. It is believed to be the most common password on the Internet, and thus the easiest cracked.

Need help? Microsoft offers a password checker for determining strength. However, the checker looks at form rather than content, so it can’t tell if you’re using words from your life.

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