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Got password fatigue? You're not alone. The typical intensive computer user has 21 accounts that require a password, according to recent research by British online-security consultant NTA Monitor.

How do you protect teh virtual keys that can be used to access your bank account, brokerage account and travel site? Try these tactics.

Keep it long. The longer the password, the harder it is to crack. Use at least eight characters if you can.

Avoid dictionary words. Hackers use programs that test every word in the dictionary as a password - foreign words included. Stay away from obvious ones such as "password" or anything resembling the user name.

Dump Luke Skywalker. Character names from science-fiction movies and books are some of the easiest to guess. Names and birthdays also are a no-no. Those are the most obvious things for cybercriminals to try. Avoid pets' and kids' names and easily gathered data, such as Social Security numbers, phone numbers, home addresses and car models.

Vary the case. A mix of upper-case and lowercase characters makes the password stronger.

Make combos complex. Simply adding a couple of digits on the end of a word or putting two words together doesn't strengthen the password much. Insert characters such as #$%^&*()@ between letters.

Change it up. Vary your passwords at least twice a year, if not more often. Pick landmarks, such as the start of each quarter, to switch.

Use different passwords for each account. That way, if one is stolen, they're not all lost. Password thieves are known to get people to sign up for a fictitious Web site with a password, and then ask what other on-line services the user subscribes to.

Never write it down. It's easy to steal a password on paper.

Generate a "pass phrase". Compose your password by taking the first letters of a phrase or song title. "The big red wagon goes fast" is "tbrwgf." Make it tougher by slipping numbers and characters between the letters. For example: "tb9r&wg1f".

Test it. Visit the Web site www.securitystats.com/tools/password.asp to size up your "password strength" and see how to bolster it.

By Alex Frangos

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