Spring-cleaning for your financial house

Five simple strategies will get your financial papers organized. Now's your chance to end the chaos forever.

Password Amnesia
Password Amnesia
Problem: So many passwords, you cannot recall the code you need
Time Involved: One hour to install program and input info

The Fix:
Having a hard-to-guess password and changing it frequently is your first line of defense for keeping your records safe, says Paul Stephens, a policy analyst at the Privacy Rights Clearinghouse, a nonprofit devoted to combating identity theft. But sometimes that can keep your records so safe that you forget how to access your own info.

The middle ground: a software storage program, such as Password Agent ($24.95) or Passwords Plus ($29.99), that lets you store dozens of PINs, passwords and account numbers directly on your hard drive. The information is encrypted (read: safe); you come up with one master password to access the rest (just don't forget that one).

The search feature makes looking up infrequently used log-ons a cinch. Better yet, you won't have to worry about creating passwords you can't remember (the best ones are randomly chosen strings of letters and numbers - forget the dog's name or the street you live on). Then print out all your passwords from the program and store them in your safe-deposit box, just in case your hard drive has a meltdown.

Too lazy to go out and buy an encrypted program? Well, don't just keep an unprotected list of PINs and passwords in a Word document on your computer desktop - a hacker or even an old-fashioned burglar can get into it, warns Stephens. Instead, write the information down in a notebook, then store that in a locked drawer.


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Most stock quote data provided by BATS. Market indices are shown in real time, except for the DJIA, which is delayed by two minutes. All times are ET. Disclaimer. Morningstar: © 2018 Morningstar, Inc. All Rights Reserved. Factset: FactSet Research Systems Inc. 2018. All rights reserved. Chicago Mercantile Association: Certain market data is the property of Chicago Mercantile Exchange Inc. and its licensors. All rights reserved. Dow Jones: The Dow Jones branded indices are proprietary to and are calculated, distributed and marketed by DJI Opco, a subsidiary of S&P Dow Jones Indices LLC and have been licensed for use to S&P Opco, LLC and CNN. Standard & Poor's and S&P are registered trademarks of Standard & Poor's Financial Services LLC and Dow Jones is a registered trademark of Dow Jones Trademark Holdings LLC. All content of the Dow Jones branded indices © S&P Dow Jones Indices LLC 2018 and/or its affiliates.