One way to create a password that's hard to guess but easy to remember is to make up a phrase. You could type in the entire phrase (some sites let you use spaces, others don't) or you can use the initials of each word in the phrase, for instance, "IgfLESi85" for "I graduated from Lincoln Elementary School in '85." An even better one would be "MbfihswE&S" for "My best friends in high school were Eric and Steve." You get the idea--upper case numbers, letters, and symbols that are seemingly meaningless to everyone but you. Microsoft has an excellent primer on passwords and a password strength checker.

But even if you do come up with a clever and hard-to-remember password, don't use it for every site. Since lots of people do that, there's the risk that a sleazy site operator--or a sleazy person who works for a legitimate site--could use it to break into your accounts on other sites. Password managers

One solution is to use a password manager. There are several available programs and Web storage services, but the ones I'm most familiar with are RoboForm and Lastpass. These programs can generate passwords for you and remember them so you don't have to. Both programs are, themselves, password protected, though you have the option of running RoboForm without a password or having Lastpass remember its own password on your PC. That's OK as long as no one else has access to your machine. I recommend that you manually enter your master password on a laptop that could more easily fall into the wrong hands.