Below are some tips in making an effective password. These are especially useful for whenever you set up an account where you will be using money transfers. I personally suggest following these for everything! My Runescape account was recently hacked so even small things like that can even get hacked.

1. Use 7-10 characters (letter).
2. Use a mix of letters and numbers known as alphanumeric.
3. Do not use pet names, relative names, etc.
4. Use a mix of lowercase and uppercase letters.
5. Don’t write down your passwords and leave them next to any-one computer.

Side tip: Make sure you log out of all accounts especially in a public place and on your cellular device.