Have these security pundits ever listened to themselves?

That advice is clearly unfollowable. I currently have account names and passwords for 87 Web sites (banks, airlines, blogs, shopping, e-mail, Facebook, Twitter). How is anyone -- even a security professional -- supposed to memorize 87 long, complex password strings, let alone remember which goes with which Web site?

So most people use the same password over and over again, and live with the guilt.

There are solutions. Most Mac and Windows Web browsers now offer to memorize passwords for you. But that feature doesn't work on all Web sites, and is generally of little help when you pick up your phone or tablet. At that point, the only person you've locked out of all your online accounts is you.

The only decent solution is to install a dedicated password memorization program (likeRoboformKeePassLastPass1Password, and so on). Last week, one of the best was just improved: Dashlane, now at 2.0. It's attractive, effective, loaded with timesaving features and available for Mac, Windows, iPhone and Android -- and it's free.

David Pogue gives a ringing endorsement to Dashlane 2.0. (read entire review/endorsement)