Does anybody have a good URL explaining that idea? It's been kicking around for many years. I've never seen a convincing writeup.
I've tried to do that in another mail - it's in the realms of philosophy more than strategy; like if you're a really security-aware person and take great care you can probably stretch the useful life of a password out to _years_ - but how typical are *you* in that instance?
Does your bank request/require that you change the PIN on your ATM card every few months?
ATM cards are not passwords, they are a coarse form of two-factor authentication - You have the card, you have the PIN. You have to possess both in order to transact - at least in in theory. Compare that with the secrecy surrounding the CVV - the "last three digits on the number on the back of the card" which you are "not meant to tell anyone" and which _will_ be different if your card is lost/stolen and reissued. Now _that_ is a password.
Security is a tradeoff. I think there are two cases for passwords. I'll call them important and junk. I'm willing to store the junk ones in a file or piece of paper that I'm careful with. I have to memorize the important ones.
You know, that's not bad. I am pro-paper for long passwords. I am even-more pro "password safes".
I'm only smart enough to memorize a few good passwords. If I change them every few months, they will be less good, or fewer of them.
It's harder as we get old. Use technology to aid with the heavy lifting. :-) -a