Use strong (long, random) passwords. Practice them.: "ite about it.
If you have a PayPal or other online banking account, your password is the only thing preventing someone else from logging in as you and stealing all your money.
If you use an online email service like Yahoo, Gmail, or Hotmail, your password is the only thing blocking someone else from reading all your mail, sending mail as you to people you know (or not), registering memberships"
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