Your Passwords Aren't As Secure As You Think; Here's How to Fix That

If you allow applications to save your passwords, anyone with physical access to your PC can decode them unless you're properly encrypting them—and chances are pretty good you're not. Let's walk through the right and wrong ways to store your passwords.

For the purpose of this article, we'll assume that the people you allow into your house are trustworthy enough not to hack your passwords, and your laptop has been stolen instead—but the tips here should apply to either scenario. Regardless of how you choose to save your passwords, you should make sure to use great passwords and even stronger answers for security questions......
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It's a good article to read but sadly to say it misses one "tip".....and it's the exact one that I find most comfortable with and that is to remember your passwords alone and not to use any password manager....that is what I recommend most users to do....

And for those of you who wonder why I choose to do that, I suggest you read this comment made by SDreamer:

I never used remember password option for almost anything. I also reccomend it to anyone I saw using it not to as well. The safest way I think is just to have a different password for anything, but realistically that might even lock yourself out, so I have passwords set up in "levels." For those really important things like online banking, or shopping, I have a common password for those that is pretty long, full of symbols, numbers, and letters of different sizes. Then for lesser items like forum passwords, I just use a simple password, throw in a couple numbers and symbols, but not as long, and totally unrelated to my other passwords. This way its easier to remember passwords, but still have security. I wouldn't even recommend a password manager, and just try to remember your passwords as extra edge. Then to top it off, change your passwords every so often, it can be a hassel, maybe use that password manager to remind you of where you have passwords, but don't put your actual passwords in it, but subtle clues to remind you of your password. That's how I handle my password security.
I use a similar strategy and so far so good....I know some of you will disagree but I find that's a nice balance between 'safety' and 'practicality'....I've never felt comfortable with the idea of using a 3rd party app to handle my passwords for me despite how 'safe' they claim it to be....with all those encryption, etc....my brain is still the safest place in my opinion