Try Using a rhyme: I spy with my little eye.
So abbreviate it, then mix upper and lower case symbols and text or ASCII characters.
Nonsensical words are good. A dyslexic kid at school called a filing cabinet a "folong babbinel" So you could get something like "7olONG B4bbIn3L"
Or Lexus - L3xVus
The posibilities are endless - they're called "Strong passwords" couple these with "Strong Authentication and Secure ID" so no bugger is getting onto your system.
Indeed if anyone uses MSN - I suggest you go to ww.secway.com and download SIMP Lite. As MSN traffic is transmitted in clear text format across the web, SIMP will encrypt all your traffic. It is only useful however if the OTHER PERSON uses it too.