Michael Fertik

The Internet makes it possible to check our bank balances at midnight or talk to a friend across the globe via Twitter. But the explosion in high-tech tools also means we need a passel of passwords -- and strong ones at that, because hackers get more sophisticated all the time.

If you're still logging in to all your accounts with your kid's name or your birthday as a password, CJ Romberger and Michael Fertik have some alternatives that will help keep your accounts safer.