Geoffrey A. Fowler, a Wall Street Journal expert on personal technology,  offers some good advice (click the link to read his full article) — especially about using a password manager. Here are some observations from Fowler. It’s up to you how to respond to them. A lot of these password protectors have FREE versions:

“There’s a war raging between hackers and companies, and you’re caught in the crossfire. Every time a company gets hacked, you have to change your password. And don’t you dare reuse it somewhere else. Dreaming up a different password for every site and service is the only way to keep your stuff safe online, but it’s also a gigantic nuisance. There’s one thing you can — and should — do to…