I do a couple of things to create my own passwords:
- I base the password on a name, friend or family, but I pick someone who is distant and who I don't converse with much, like a cousin twice removed. Generally a smart password has to have numbers and letters (2 upper case, two lower case, and a special character). So, if I pick, for example, John Smith, the password is J0hn!Sm1th. Or,
- I base the password on an address. Either some address I've lived at early in my life or a friend's address, especially if they live a long way from me so immediate friends won't know the address. So my friend living at 1240 Maple, the password might become 1240maple or 1240Maple (yeah, these aren't smart passwords, but you get the idea, and it wouldn't take much to create a smart password).
- These systems work especially well on those websites where your password expires after 90 days.
Anyone else want to weigh in?