Okay, thanks to the password thread I did a search and found Norton Identity Safe. I am just starting out generating passwords and using them. I am the guy that only had one password for everything, my email got hacked in India (I should think they were bored to death). At the time I was not banking online and did not have PayPal linked to my bank account, now I do. So is Norton Identity Safe and the Norton password generator good enough for an average Joe or is it really necessary to spend money on something that isn't free?