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Internet standards expert, CEO of web company iFusion Labs, and blogger John Pozadzides knows a thing or two about password security — and he knows exactly how he’d hack the weak passwords you use all over the internet.

Note: This isn’t intended as a guide to hacking *other people’s* weak passwords. Instead, the aim is to help you better understand the security of your own passwords and how to bolster that security.

If you invited me to try and crack your password, you know the one that you use over and over for like every web page you visit, how many guesses would it take before I got it?

Let’s see… here is my top 10 list. I can obtain most of this information much easier than you think, then I might just be able to get into your email, computer or online banking. After all, if I get into one I’ll probably get into all of them.

1. Your partner, child or pet’s name, possibly followed by a 0 or 1 (because they’re always making you use a number, aren’t they?)
2. The last 4 digits of your social security number.
3. 123 or 1234 or 123456.
4. “password”
5. Your city, or college, football team name.
6. Date of birth – yours, your partner’s or your child’s.
7. “god”
8. “letmein”
9. “money”
10. “love”

Statistically speaking that should probably cover about 20 per cent of you. But don’t worry. If I didn’t get it yet it will probably only take a few more minutes before I do…

Hackers, and I’m not talking about the ethical kind, have developed a whole range of tools to get at your personal data. And the main impediment standing between your information remaining safe, or leaking out, is the password you choose. (Ironically, the best protection people have is usually the one they take least seriously.)

One of the simplest ways to gain access to your information is through the use of a Brute Force Attack. This is accomplished when a hacker uses a specially written piece of software to attempt to log into a site using your credentials. Insecure.org has a list of the Top 10 FREE Password Crackers right here.

So, how would one use this process to actually breach your personal security? Simple. Follow my logic:

• You probably use the same password for lots of stuff right?
• Some sites you access such as your Bank or work VPN probably have pretty decent security, so I’m not going to attack them.
• However, other sites like the Hallmark email greeting cards site, an online forum you frequent, or an e-commerce site you’ve shopped at might not be as well prepared. So those are the ones I’d work on.
• So, all we have to do now is unleash Brutus, wwwhack or THC Hydra on their server with instructions to try say 10,000 (or 100,000 – whatever makes you happy) different usernames and passwords as fast as possible.
• Once we’ve got several login+password pairings we can then go back and test them on targeted sites.
• But wait… How do I know which bank you use and what your login ID is for the sites you frequent? All those cookies are simply stored, unencrypted and nicely named, in your web browser’s cache. (Read this post to remedy that problem.)

And how fast could this be done? Well, that depends on three main things, the length and complexity of your password, the speed of the hacker’s computer, and the speed of the hacker’s internet connection.

Assuming the hacker has a reasonably fast connection and PC here is an estimate of the amount of time it would take to generate every possible combination of passwords for a given number of characters. After generating the list it’s just a matter of time before the computer runs through all the possibilities – or gets shut down trying.

Pay particular attention to the difference between using only lowercase characters and using all possible characters (uppercase, lowercase and special characters – like @#$%^&*). Adding just one capital letter and one asterisk would change the processing time for an eight-character password from 2.4 days to 2.1 centuries.

Remember, these are just for an average computer, and these assume you aren’t using any word in the dictionary. If Google put their computer to work on it they’d finish about 1000 times faster.

Now, I could go on for hours and hours more about all sorts of ways to compromise your security and generally make your life miserable – but 95 per cent of those methods begin with compromising your weak password. So, why not just protect yourself from the start and sleep better at night?

Believe me, I understand the need to choose passwords that are memorable. But if you’re going to do that how about using something that no one is ever going to guess AND doesn’t contain any common word or phrase in it.

Here are some password tips:

1. Randomly substitute numbers for letters that look similar. The letter ‘o’ becomes the number ‘0′, or even better an ‘@’ or ‘*’. (i.e. – m0d3ltf0rd… like modelTford)
2. Randomly throw in capital letters (i.e. – Mod3lTF0rd)
3. Think of something you were attached to when you were younger, but DON’T CHOOSE A PERSON’S NAME! Every name plus every word in the dictionary will fail under a simple brute force attack.
4. Maybe a place you loved, or a specific car, an attraction from a holiday or a favourite restaurant?
5. You really need to have different username/password combinations for everything. Remember, the technique is to break into anything you access just to figure out your standard password, then compromise everything else. This doesn’t work if you don’t use the same password everywhere.
6. Since it can be difficult to remember a ton of passwords, I recommend using Roboform for Windows users. It will store all of your passwords in an encrypted format and allow you to use just one master password to access all of them. It will also automatically fill in forms on web pages, and you can even get versions that allow you to take your password list with you on your PDA, phone or a USB key. If you’d like to download it without having to navigate their website here is the direct download link. (Ed. note: Lifehacker readers love the free, open-source KeePass for this duty, while others swear by the cross-platform, browser-based LastPass.)
7. Mac users can use 1Password. It is essentially the same thing as Roboform, except for Mac, and they even have an iPhone application so you can take them with you too.
8. Once you’ve thought of a password, try Microsoft’s password strength tester to find out how secure it is.

By request I also created a short RoboForm Demonstration video. Hope it helps…

Another thing to keep in mind is that some of the passwords you think matter least actually matter most. For example, some people think that the password to their email box isn’t important because “I don’t get anything sensitive there.” Well, that email box is probably connected to your online banking account. If I can compromise it then I can log into the bank’s website and tell it I’ve forgotten my password to have it emailed to me. Now, what were you saying about it not being important?

Often times people also reason that all of their passwords and logins are stored on their computer at home, which is save behind a router or firewall device. Of course, they’ve never bothered to change the default password on that device, so someone could drive up and park near the house, use a laptop to breach the wireless network and then try passwords from this list until they gain control of your network — after which time they will own you!

Now I realise that every day we encounter people who overexaggerate points in order to move us to action, but trust me this is not one of those times. There are 50 other ways you can be compromised and punished for using weak passwords that I haven’t even mentioned.

I also realise that most people just don’t care about all this until it’s too late and they’ve learned a very hard lesson. But why don’t you do me, and yourself, a favour and take a little action to strengthen your passwords and let me know that all the time I spent on this article wasn’t completely in vain.

Please, be safe. It’s a jungle out there.

How I’d Hack Your Weak Passwords [One Man's Blog]