Even if you have to keep a hand written list of passwords I recommend never using the same password twice.
Absolutely agree! And with tools likehttp://keepass.info/ that generate and keep passwords for you, there is really no excuse for not doing it.
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And when it comes to beefing up security for the future you should follow the advice of folks like ghia. He was fantastic at helping me work through my issues.
Yep, Ghia is D'Man!!! As a community we're so lucky to have him!!!