(January 31, 2012) One way to help lower personal and business cyber risk is to avoid using easy-to-crack passwords. Insurance Journal recently published a list of the 25 worst passwords for the year 2011. The research results were based on millions of actually stolen passwords that were made available online.

Having tough-to-guess passwords may not necessarily deter sophisticated, determined hackers. But they do make it much more difficult for amateur cyber thieves to breach online accounts. Here is the list of this year's worst online passwords.