Low tech here - I have an encrypted and pw protected Word doc that holds all my usernames and passwords. I'm satisfied that my password is sufficiently long and complicated that you could watch me type it in and still not get it. The major disadvantages to this approach: 1) Word is somewhat slow to load, 2) I don't have it with me on the rare occasions when I'm not at either my home, work, or mobile computers (though I can always remote into my home pc). Major advantages: 1) it's free, 2) I can include notes, e.g., on some websites I have a login name which is different from my customer account number, or I can show discount levels or contacts.