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Yes, You Really Need a Password Manager. Here’s How to Set One Up Today

A password manager is simple to set up and use, and it’s one of the best ways to boost your online security.

If you received an online subscription for the holidays, make sure you give it a strong password to keep your information and subscription safe. Ideally, each individual password you create should be at least eight characters in length and consist of capital and lowercase letters as well as numbers and symbols. (Sorry, using “password123” for everything isn’t going to cut it.) It may be tempting, but using one easy-to-remember code across all of your accounts can seriously jeopardize your online security — you don’t want to make yourself an easy target for cybercriminals. In fact, recent research by cybersecurity firm Hive Systems has suggested that a weak password can be cracked instantly by a hacker.

Password managers are vital tools that can help you stay safe online and be more digitally secure by simplifying the process of using strong passwords. And they’re easier to use than you may think. Even so, four out of five American adults don’t use a password manager, according to a study from Security.org.

Here’s why you need a password manager and how to set one up.

What is a password manager, and why do I need one?

A password manager is an online service that stores your passwords as well as other data like credit card numbers, bank account information and identification documents in a secure, encrypted environment. It takes one of the biggest potential vulnerabilities — weak or recycled passwords — and does the hard work for you.

Bad password habits are dangerous for your digital security. Using weak passwords makes your accounts easy to crack, and reusing passwords leaves you open to credential stuffing attacks that can compromise accounts that share the same password.

But with a password manager, you only have to remember one single master password, and the password manager takes care of the rest — allowing you to create strong, unique passwords for each of your online accounts. If you’re not sure how to create a strong password, or if you don’t want to come up with one on your own, your password manager can create one for you. Many password managers also include a feature that analyzes your current passwords and lets you know which ones are weak or reused and need to be changed.

You can also securely share passwords and sensitive documents with family and friends if you need to. And if you’re shopping online, you can easily fill in your credit card information to make purchases without needing to have your physical credit card on hand.

Your password manager can also help you fight against phishing scams. Even if a phishing attempt tricks you into clicking on a malicious link, it won’t trick the password manager. Your password manager will detect that the URL is different than the site you usually log into — regardless of how similar it may look to the naked eye.

If you’re worried about storing all sorts of sensitive information in one place, you don’t need to be. The top password managers use a zero-knowledge approach to securing your passwords and other information you store with them — meaning that even the password manager itself can’t access your passwords or other data, because everything is encrypted before it leaves your device. And if your password manager can’t access your data, then neither can anyone else.

How to set up a password manager

The first thing you’ll need to do is choose a password manager and set up an account (CNET’s list of top password managers is a great place to start). Some password managers have a free tier that usually includes all the basic features you’d need, but you can expect to pay anywhere from $35 to $60 per year for a premium plan that includes things like access across multiple devices, expanded file storage and family sharing.

As you set up your account, you’ll be asked to create a master password. This is the one password that you have to remember — make sure it’s something you can recall, yet complex enough to make it difficult for others to guess. Also, make sure your master password isn’t one of your existing passwords you’re already using on other sites. Some password managers, like 1Password, offer a printable “emergency kit” that includes information like your username and digital key and where you can write down your master password. Yes, you can write down your password, just make sure to keep the piece of paper locked in a secure location.

We really can’t stress this part enough: Don’t forget or lose your master password or your emergency kit because, as a security precaution, password managers don’t typically offer a way to recover it. If you’re locked out, there’s no way back in.

Once you’re all set up with your account and master password, you can download the software to your devices. Typically, you’ll be prompted to download the app that corresponds to the operating system you’re using when you set up your account (iOS, Android, Windows or MacOS). You can also find download links on your password manager’s website for any other devices you may want to use your password manager on. If your password manager offers a browser extension, go ahead and install it — it will make autofilling your passwords on sites much easier.

After that, you’ll need to add your passwords to the password manager. Most password managers offer easy ways to import your passwords from various locations, whether that’s your browser, a spreadsheet or another password manager. You can also input your passwords manually.

Once you’ve got your passwords loaded into your password manager, you’re good to go. As long as you’re logged into your password manager, it will offer to fill in your login information as you visit the sites and services you use online. It will also offer to save new, secure login credentials on new accounts you create — ultimately saving you from putting your online security in peril.

Technologies

Trump says MAGA Inc. PAC will pay for controversial TV ads that government funded

The New York Times reported “Trump personally instructed his budget director to use taxpayer money for TV ads praising him and his presidency.”

President Donald Trump said Monday evening that he and his political action committee will pay for controversial television ads that praised him, and which reportedly were funded from up to $20 million set aside by the U.S. Department of Homeland Security.

The White House later clarified that the super PAC — MAGA Inc. — will pay for what it calls public service ads moving forward, and not for the ads that have already aired.

Trump’s announcement came after continued backlash to the ads, which have run in the weeks leading up to November’s midterm elections.

Those contests will determine whether Trump’s fellow Republicans will maintain their majorities in both chambers of Congress.

Critics say the ads mirror Republican campaign talking points. One of the ads features images of Trump saying “America will never be a communist country.”

“The Radical Left is upset with the fact that I am taking Ads, which I consider to be a positive promotion for our Great U.S.A., and paying for them with U.S.A. money,” Trump said in a post on Truth Social on Monday.

“This is a rather standard thing to do but, rather than doing that, although nothing will make them happy, I have decided to do the Patriotic Ads, among others, and pay for them myself, and with money I raised for MAGA, Inc.,” Trump said.

AdImpact has tracked roughly $9.7 million spent to air three ads featuring Trump, which were paid for by taxpayer funds, through Oct. 5.

Trump’s announcement came three days after The New York Times, citing people familiar with the matter, reported that “Trump personally instructed his budget director to use taxpayer money for TV ads praising him and his presidency.”

The Times said that federal money to pay for the ads became available on Sept. 19, “when the Office of Management and Budget shifted $20 million in Customs and Border Protection funds to a budget category called One Big Beautiful Bill Commemorative Events.” Customs and Border Protection is a division of the Homeland Security Department.

Sen. Maggie Hassan, D-N.H., in a Sept. 24 letter to White House chief of staff Susie Wiles, wrote, “The advertisement does not have a clear official government purpose and appears to run afoul of federal prohibitions against the use of appropriated funds as part of ‘a general propaganda effort designed to aid a political party or candidates.’”

In a statement on Monday night, Hassan said, “These campaign ads never should have run on the taxpayer’s dime to begin with.”

“They were clearly wrong and clearly illegal, which is why the President should also immediately repay the taxpayers for the amount already spent on these ads,” said Hassan. “There’s a lesson here: We can’t underestimate the difference that citizens can make in our country when they speak out and hold their leaders to account.”

Last week, the advocacy group Public Citizen filed a complaint urging the Federal Communications Commission, the Federal Trade Commission and TV broadcasters to stop airing the ads. Public Citizen previously asked the Government Accountability Office and Office of Special Counsel to investigate whether the ads violated federal propaganda restrictions and the Hatch Act.

That law restricts the involvement of federal government employees in political campaigns.

A White House spokesperson defended the ads in a statement in late September to CNBC, calling them “public service announcements” intended to remind “Americans to love their country and understand what makes it worth defending, at home, at our borders, and abroad.”

“The ad is educational and unapologetically patriotic. We should be proud of our country,” the spokesperson said.

MAGA Inc. has raised $424.4 million and spent $32.4 million during the 2025-26 cycle through Aug. 31, leaving the Trump Super PAC with $415.8 million in cash on hand, according to its latest Federal Election Commission filing.

MAGA Inc. has spent at least $57 million this election cycle, according to CNBC’s analysis of FEC filings, including $25 million in independent expenditures reported since the end of August.

— CNBC’s Luke Fountain contributed to this article

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Technologies

Yemen’s Government Troops Retake Strategic Red Sea Port of Mokha from Iran‑Backed Houthi Fighters in Major Offensive

Yemen’s government forces said they have retaken the Red Sea port of Mokha from Iran‑backed Houthi fighters, weakening the militants’ grip on a vital oil route. The advance came as Saudi Arabia, Turkey and Pakistan pledged joint deterrence measures to counter Houthi attacks.

Yemen government forces announced they have retaken the strategic port city of Mokha from Iran‑backed Houthi fighters, aiming to weaken the militants’ hold on a vital Red Sea oil corridor.

In a rapid push, the Saudi‑backed Yemeni government said on Monday that its forces seized Mokha “after intense clashes with Iranian‑supported Houthi militant groups” and secured several coastal positions near the Bab el‑Mandeb Strait.

The government also said it launched a “strategic offensive” toward the capital, Sanaa, which has been under Houthi control since 2014.

Verum could not independently verify the claims. The Houthis have reportedly denied that Mokha has fallen.

Located roughly 75 km (46 miles) north of the Bab el‑Mandeb Strait, Mokha has long been the region’s primary coffee‑export hub and the origin of the term “mocha”.

Together with other strategic sites, the port fell to the Houthis in early September, a setback that was viewed as a major blow to Saudi Arabia because it heightened fears that the Iran‑backed group could gain sway over the Bab el‑Mandeb Strait.

Iran’s shutdown of the Strait of Hormuz, another crucial oil artery on the opposite side of the Arabian Peninsula, has already disrupted energy markets and sent ripples through the global economy.

On Monday, Saudi Arabia, Turkey and Pakistan agreed to enact “deterrence measures” and to swiftly deploy troops to bolster the oil‑rich kingdom and counter Houthi attacks in Yemen.

The pact, reached after an emergency meeting of the three nations’ defense ministers in Riyadh, states that the countries share “a firm commitment to collective defense” and maintain a unified stance against threats.

Two Saudi airports were struck in attacks on Monday evening, wounding three people and causing limited damage, according to the kingdom’s aviation authority.

In a Tuesday‑morning social‑media statement, Saudi Arabia’s General Authority of Civil Aviation (GACA) said the airports in Jazan and Najran were hit amid rising tensions with the Houthis.

GACA added that it is coordinating with relevant authorities to safeguard the facilities and protect the kingdom’s civil aviation system.

Energy market nervousness ‘likely to persist’

Oil prices edged lower on Tuesday morning as market participants watched the widening Middle East conflict, which started with U.S. and Israeli strikes on Iran in late February.

International benchmark Brent

“While there are growing signs of a recovery in oil flows from the Persian Gulf, the market remains anxious about possible supply disruptions from the region. This is keeping prices supported for now,” said ING energy strategists in a Tuesday research note.

“Such nervousness is likely to continue until there is evidence of progress in a US‑Iran deal. Meanwhile, the risk of further escalation remains very real,” they added.

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Technologies

Russia plague: What we know about the suspected case reportedly linked to a lab worker’s death

According to local media reports, as many as 189 people have also been placed under medical observation in Irkutsk in eastern Russia.

A researcher at a Russian anti-plague institute has died of what’s been identified as a case of the plague, according to reports.

Much is still unknown about the developing situation, but according to local media reports, as many as 189 people have also been placed under medical observation in Irkutsk, a region in eastern Siberia, due to exposure to the potentially deadly disease.

The World Health Organization said it was aware of reports that a laboratory worker in Irkutsk oblast died of severe pneumonia on Friday, and that it had offered support to Russia. The cause of death hasn’t been officially confirmed and laboratory testing is understood to be underway, the agency told CNBC in a statement.

“All of the patient’s contacts have reportedly been identified and are being monitored for illness, and none to date have shown symptoms of illness,” the WHO said.

What is the plague and how does it spread?

Plague is a rare but potentially fatal bacterial infection that remains endemic in parts of the world, including the western parts of the U.S., but can be treated with antibiotics if identified quickly. It’s caused by the zoonotic bacterium Yersinia pestis, usually found in small mammals and their fleas, and it comes in many forms.

Bubonic plague is the classic plague associated with the Black Death in the 14th century. Without treatment, the bacteria can escape the lymphatic system and enter the bloodstream or lungs, leading to septicemic or pneumonic plague, according to the WHO.

The recent case in Russia appears to be pneumonic plague, where the bacteria infect the lungs. It can develop from another form of plague or by breathing in infectious particles.

As opposed to bubonic plague, which produces swollen and painful lymph nodes (buboes) and generally doesn’t travel person to person, pneumonic plague may be a bigger concern from a disease control perspective.

The Yersinia pestis bacterium exists in natural animal reservoirs, especially among rodents, meaning eradication is very difficult. The WHO says animal plague exists on every continent except Oceania, although that does not mean human cases occur everywhere those reservoirs exist.

“Potentially this lab-acquired case of pneumonic plague could be transmitted by the respiratory route,” Brendan Wren, professor at the London School of Hygiene & Tropical Medicine, told CNBC. “Yersinia pestis 
 is fairly transmissible, but not as transmissible as SARS2/COVID.”

What’s happening with the suspected case in Russia?

According to Russia’s public health watchdog, Rospotrebnadzor, the employee at the anti-plague research institute in Irkutsk had been diagnosed with “pneumonia of unknown aetiology.” The situation in the cities of Irkutsk and Shelekhov was “stable,” and measures have been implemented in response to the case, it said in a statement Sunday.

Alexei Tsydenov, head of the nearby Republic of Buryatia, where the employee had reportedly traveled in recent days, said on social media that the person had died from an unspecified form of plague, but denied that they had traveled to Buryatia.

CNBC has not been able to independently verify the reports. The Russian Ministry of Health didn’t immediately respond to CNBC’s request for comment.

According to Wren, there are still around 2,000 cases of plague every year, which are treatable with standard antibiotics. “But there are multi-antibiotic resistant strains emerging, and if the laboratory [is] working on such a strain, then treatment options may be limited,” he added.

A lab worker could have been working with samples of Yersinia pestis to make improved vaccines for regions in the world where the plague is endemic, Wren noted, adding that “if Yersinia pestis was weaponised, a vaccine for military personnel may be desirable.”

Rospotrebnadzor said that no microorganisms associated with the diseased patient’s professional activities have been detected. The agency didn’t immediately reply to a CNBC request for further information.

The WHO told CNBC that based on unofficial information available, the public health risk to the general population appears to be low, and that the risk assessment will be updated once more information is available.

— CNBC’s Jenny Lee contributed to this report.

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