With the full knowledge that a major part of my personal economic history and info are already out "there" the question comes to mind:

What kind of password is the safest to use? What about user names?

If we have a multitude of passwords and usernames, is it stored on paper?, Disk? CD, DVD,? Memorizing is obivious but not to dependable for those of us who are short on memory brain cells.

Im just looking for honest opinions. I know the longer the better, but is longer the safest?

thanks
Jim