Warning! The linked article contains obscenities but it is, nevertheless, an important article to help you understand how important it is to protect your online identities:
Kill the Password: Why a String of Characters Can't Protect Us Anymore | Gadget Lab | Wired.com
I use two-factor authentication wherever I can. My bank allows me to login with a PIN plus a randomly generated code from my mobile device. I have two-factor authentication set up for Gmail and Wordpress sites. I use Lastpass to generate and save complex passwords. That, too, is protected by two factor authentication with the option of using a physical token.
Kill the Password: Why a String of Characters Can't Protect Us Anymore | Gadget Lab | Wired.com
I use two-factor authentication wherever I can. My bank allows me to login with a PIN plus a randomly generated code from my mobile device. I have two-factor authentication set up for Gmail and Wordpress sites. I use Lastpass to generate and save complex passwords. That, too, is protected by two factor authentication with the option of using a physical token.