For non banking passwords management, I use LastPass coupled with a Yubikey to provide 2 step authentication. I've got two Yubikeys one for home another for work.
For banking pw management I use an IronKey. Therefore no banking pw are in the cloud.
Yes, I think I saw your earlier post about Yubikey - seems I remember 2 folks mentioning it. I also saw it referred to on the LastPass site.
Elaine, I think of Awardwallet almost like a separate password manager just for loyalty programs. You'd have to go to each loyalty program's website and create a new password with lastpass and whatever password manager you go with. Then you'd go back to AW and enter that new password.
I won't lie, creating all new secure passwords for every site you use is going to take some time. But the piece of mind you get with having secure, unique passwords for everything can't be beat. The next time some big site you use looses data, all you have to do is go there and change that one password. No worries.
Thanks for confirming how I thought it would work with AW. And yes, the startup time - and indecision on which program to use - is why I keep procrastinating. By telling myself "no MSing until you get this done!" I hope to finally, as we say around these (Nike) parts Just Do It.
I have been using roboform successfully for years. There are still complaints out there from roboform users who thought that they purchased s lifetime license only to have that pulled with a major new release. My biggest concern with roboform (and it may be true for all of them) is that you can't export your passwords. I have hundreds saved and it would be a massive task to switch to another product.
I did see both LastPass and OnePassword address this issue on their sites. Don't know about RoboForm but there are ways to import PWs from other PW managers to a new one.
LP is free and you can upgrade to premium for $1 a month, which I'd need to do.
1PW is $49.99 for a license that up to 6 people in a family can share. You can try it free for 30 days and add up to 20 PWs. If you decide not to pay for it, you retain access to the 20. There must be promo codes around since there is a space in the order form for one.
One issue with 1PW is I will need to upgrade to OS10.10 but that is probably a good idea anyway. The upgrade is free and came out in the fall, so hopefully the glitches have been worked out.
At this point I'm leaning to 1PW - I like that its newest release is designed for 10.10. I also found the website much more user friendly and packed with easy to understand info. I believe you buy it once, and then all upgrades are free. In the long run it will be cheaper than LastPass.
So if anyone has a promo code or link to a deal on 1PW, please post it.
Thanks again to everyone, even those who suggested a different PW manager. You all contributed to helping me puzzle this through. You all are awesome!