It’s true – just about every website that maintains one of your accounts requires a password. If you're active online with Amazon or Apple, you'll need a password. You sign in to your email accounts with a passcode. Want to access your Netflix, Pandora, and Spotify accounts? You'll need more passwords. And you may need to change passwords annually or every six months on some accounts. It's tough to remember every passcode and risky to write them down.