Look--just do the following for your passwords...works for me and I've never had any problems...

Just have a folder you save on your desktop or your my docs folder that is where you keep your passwords and usernames. Create a text file with notepad for each website, including all information, such as a full URL for logging in (copy/paste it), the username, the password, and any email or additional information you had to give in order to use it.

Have at least 3 email accounts...I use for my good personal stuff my comcast email account, for total junk I use my hotmail account, and for semi-good/semi-junk I use my Gmail account.

You don't need to encrypt or password your text files for each username/password simply because I use what I consider a fool proof way of 'encrypting' my own usernames and passwords.

What I do is, I use certain phrases in all my usernames and all my passwords. What I will do, is use a string of numbers or characters, and when I do this, I type in the first letter or number, but put X's in all the other spots. This indicates where my strings of numbers or letters are that I always use. You MUST always be consistent, and obviously, use strings of numbers and letters that you will remember.

Over time, you probably already use a consistent set of strings of letter and numbers in your usernames and passwords already. Especially if you work at a large company where you have to change your password to log onto the domain often.

For example, in all your usernames, you could use 2 or 3 strings of words. All your passwords could use the strings APPLE ... XEMMA ... DOLTING.

If you did this, then all your usernames (you probably can't always have the same usernames for all websites/whatever due to different restrictions and possibly some are going to be already used by someone else).

Lets say for www.whatever.com, I use a username of Dolting1947. Lets say there are 2 strings in that name that I use all the time everywhere if possible. The password for this website is Fortitude315CX. Well, just so happens I use the 3 strings, 'Fortitude' '315' and 'CX' exactly that way (case sensitive) in ANY/ALL passwords I use. For this website, the URL used is https://www.whatever.com/login?p=343. Email that you used to sign up is one of your accounts, DoltingCX@gmail.com (this is extreme, as you don't really need to encrypt your email, but it's just an example).

My Text file would look like this:
-----------------------------------

Whatever.com

Login URL:

https://www.whatever.com/login?p=343

username: Dxxxxxx1xxx
p/w: Fxxxxxxx3xxCx

email used: DxxxxxxCx@gmail.com
----------------------------------------------------------

You just creat this small text file for each and every website for everything you have. I think I have something like 60 of them...about 20 of them are financial sites, that I use to do on-demand online bill paying.

I just consistently 'code' all my usernames and passwords. I have challenged a few friends to try and figure out any of my usernames or passwords.....they can't...it's impossible. And they are all easy to remember because I use all the same 'strings' all throughout all of my usernames and passwords.

Like I said, I save a copy of this folder on each of my desktops, and also on a flash drive I normally keep in my pocket.

No need for this stupid IDvault thing like the government uses. Just because the Pentagon uses this, this in itself is reason enough to stay away from it!

Hope this method I use can be of use to somebody out there.