To stay within all the rules from the previous page I use a simple reminder trick. (Never write down your password).
Ok, I write down the phrase that reminds me of the password. Since I keep a list of all my accounts and passwords on my smart phone, I write down the phrase Car+House as the PW. For me, this is my favorite car name and number on my house. Chevyvolt15102. That meets all the limits from the previous page. I could also interlace the two Chevy15102volt. Should someone discover my accounts list, typing Car+House will never work.
PIN numbers: I write down "Pin+Forever" as my reminder phrase. My pin is parts of my US Navy services number that is unique to me, forever.
User ID's: Sometimes user id's are email addresses. I purposely have an extra email account called "KeepThis@address.com". I use it for everything not important. Most emails in that account I don't keep, and soon delete but it helps keep my important email account less cluttered of junk mail.
Update May 2012. Three common words. I have stumbled across this option in several places. It suggests combining three common words is as secure as anything else. Example: AlwaysBeHappy Phrase: ABH
