Best Password Managers of 2022


Pros
Pricing: Free or starting at .91/mo.

What Is a Password Manager?

A password manager is a piece of software that stores all your passwords for signing into your digital services, such as your bank or Netflix account.
Another excellent feature that highlights 1Password’s commitment to keeping its users secure is its Watchtower feature, which allows you to keep an eye on your accounts and receive an alert if there are any security issues. 1Password will then walk you through resetting your password to restrengthen your account security. A VPN allows you to browse the web while disguising your IP address; the result is a more secure experience that is perfect for banking or accessing other sensitive online accounts. We highly recommend using a VPN when using public WiFi (such as at a hotel) for such tasks, and we’re thrilled to see that Dashlane includes one with its services.
Pricing: Starts at .99/mo.

The biggest downside to Dashlane would have to be its pricing. While many other password managers offer premium services as low as a few bucks a month, Dashlane Premium will cost you at least .99 a month. That’s if you plan to pay yearly; if you opt to pay monthly, Dashlane Premium will run you .49 a month for a personal account or .99 a month for a family account.

Password Manager Best for What we love
1Password Best overall Easily shared
Bitwarden Free accounts Unlimited passwords
LastPass Businesses Families acct included

What Are the Best Password Managers?

However, most enterprise users will want to step up to the slightly more expensive Business plan at a month per user. The Business plan allows for unlimited users, Single Sign-on (SSO) support with Multi-Factor Authentication (MFA), and access to 100+ customizable security policies. An admin dashboard is also provided for keeping an eye on everything.

1Password – Best Overall Password Manager

One feature that we love from Keeper is the ability to save and restore your vault to a previous point in time. Let’s say there’s an issue and your password vault gets scrambled; with only a few clicks, you can restore everything how it was a few days, weeks or months ago.

  • Desktop App available for Mac, iOS, Windows, Android, Linux and Chrome OS
  • Easily share password information with others whether or not they have 1Password installed
  • Watchtower features alert to you to any security breaches that may occur involving your accounts
One feature that we love from Keeper is the ability to save and restore your vault to a previous point in time. Let’s say there’s an issue and your password vault gets scrambled; with only a few clicks, you can restore everything how it was a few days, weeks or months ago.

  • Excellent free version that allows users to store unlimited passwords
  • Unlimited ability to connect with and sync multiple devices
  • Encrypted export if you choose to switch password managers
One feature that we love from Keeper is the ability to save and restore your vault to a previous point in time. Let’s say there’s an issue and your password vault gets scrambled; with only a few clicks, you can restore everything how it was a few days, weeks or months ago.

  • Supports Single Sign-on (SSO) apps with Multi-Factor Authentication (MFA)
  • Employees gain access to LastPass Families for at-home security
  • Customizable security policies
One feature that we love from Keeper is the ability to save and restore your vault to a previous point in time. Let’s say there’s an issue and your password vault gets scrambled; with only a few clicks, you can restore everything how it was a few days, weeks or months ago.

  • Emergency Access feature in case of an emergency or death
  • Save and restore your vault to past points in time
  • Offers a free 30-day trial of its Unlimited tier before defaulting to the free version
One feature that we love from Keeper is the ability to save and restore your vault to a previous point in time. Let’s say there’s an issue and your password vault gets scrambled; with only a few clicks, you can restore everything how it was a few days, weeks or months ago.

  • Includes a VPN for better protection when using public WiFi
  • Automatic Password Changer feature to change potentially compromised passwords
  • Dark web monitoring for up to five email addresses
The primary downside to 1Password is the lack of a free version, which most password managers do offer. If you want to use 1Password, you’ll need to pony up at least .99 a month. for a personal account, or .99 a month for a family account that supports up to five people. Business and enterprise offerings are also available, starting at .99 a month per user.

  • More expensive than the competition


Pros
Like many other password managers, Bitwarden allows you to export your vault if you wish to make a backup or decide to move to a different password manager. In particular, we praise Bitwarden for allowing users to export their vault as an encrypted JSON file to keep it more secure.
Do you need to share information with others, such as your HBO Max or Disney+ login? With a few clicks or taps, you can share a password to a fellow 1Password user’s vault or create a secure web link to the password that expires within a set period.
The best aspect of a password manager is that you only need to remember a single master password to unlock your ‘password vault.’ All the actual passwords for your digital services can be complex yet secure, combinations of numbers, letters, and symbols as you don’t need to remember them—phew!
1Password is our top pick for the best overall password manager. If you are looking for the best solution to secure your passwords and manage your security online with ease, 1Password is an option you can jump into without much doubt.
When it’s time to sign in to your financial institution, favorite streaming video service or that fantastic cat blog you love, your password manager will ask you for the password for your vault, then automatically fill in the needed login information from right within your web browser or via a desktop app. Staying secure has never been easier with a password manager.

Frequently Asked Questions

Pricing: Free or starting at /yr
Why shouldn’t you use a password manager?

Cons
To throw in one mention of the personal plans, LastPass offers a free version that is a decent competitor to Bitwarden’s free offering. However, in the end, we still prefer Bitwarden’s free plan as it allows you to use multiple devices.

Cons

Pros
Finding the best password managers can appear challenging due to the various options available on the market—1Password, Dashlane, Keeper, and so many others.
While we’ve shared our top picks for the best password managers, there are still a few other options that you may want to consider. Sometimes, you’ll find an aspect of a password manager that simply doesn’t work for your digital life; these are some excellent alternatives in those scenarios.
The free tier supports only a single user, and there’s no option to store encrypted files in your vault; if you want to keep a few sensitive documents secure, you’ll need to look into the paid plan.
If you need assistance with creating a secure password for your vault, you won’t need to fret as a password generator is typically included with most password managers. With the use of a password generator, your secure password manager can automatically create a password for you that is more likely to stand up to malicious attacks.

For those looking into a password manager for business, you’ll need to ensure that the monthly price per user isn’t too prohibitive and that an internal system, such as Single Sign-on (SSO), is supported. LastPass has grown a reputation for being a platform that is secure within the workplace and adaptable.
Best Password Managers for 2022

10 Tips for Finding Cheap Cruises

For the millions of people out there who love hitting the seven seas, figuring out how to book a cheap cruise is like the holy grail of vacationing, even among people who really pride themselves in knowing how to find travel deals. But finding out how to get the best deals on cruises has been almost an art form for decades. So we scoured the web for several tried and true strategies to help you find the cheapest ways to cruise.

Cruises & COVID

The last couple of years have been a challenge for cruise-lovers. COVID practically brought the entire industry to a halt, and its comeback has been a challenge to say the least. But the uncertainty that’s hit the industry means that there may be serious deals out there to be had — or in the very least, more lenient cancellation policies. This is understandable given the CDC’s guidance in late December 2021 that people avoid cruises even if they’ve been vaccinated.

Buyer Beware

As just about every frugal traveler knows, sometimes, deals really are too good to be true… or at least not all they are cracked up to be. It’s important to read the fine print and be sure of what’s included and what’s not included in cruise deals you may find. When considering the cheapest way to cruise, you’ll want to think about airfare, meals, excursions, room type and location, and other amenities that could lead to upcharges. You’ll also want to pay close attention to cancellation policies and consider the costs and benefits of trip insurance.

Now let’s get started with the tips.

1. Read Cruise News

There are countless sites and blogs devoted to the cruise industry, staffed by both insiders and frequent cruise passengers. These sites cover both industry trends as well as specific deals and offers from particular cruise lines. In addition to finding cruise deals, they are great for learning about unique cruise offerings and locales. Some noteworthy sites include CruiseFever , CruiseHive and CruiseCritic .

2. Search the Travel Sites

CruiseDirect.com , CruisesOnly.com , Cruise.com and others are searchable databases of cruise offers. They are similar to Expedia, Travelocity and other general interest travel websites, except they are devoted to cruises. These sites typically have sections focused on cruise deals and may at times have exclusive offers that aren’t available elsewhere. Cruise line websites typically have their own deals section, as you’ll see here on Carnival , Princess and Royal Caribbean ’s sites.

3. Scan Social Media

The sites we’ve already mentioned and many others have social media presences on Twitter, Facebook and other platforms. They often broadcast limited time deals through these accounts, so following them could be a good idea. Some good examples are CruiseDeals on Twitter , Best Travel Deals’ cruise account on Twitter and the travel agent-led private Facebook groups Cruise Deals! and Vacation Packages & Cruises .

4. Look for Bundles

Both travel websites and cruise lines themselves often incentivise passengers to bundle a variety of services and amenities when booking. These cruise bundles can mean real savings. Some of the options that are typically bundled include airfare, meal and drink packages, transport to and from the ship, free wifi and more. When evaluating these packages, it’s worth taking the time to review each item, what it includes (there are various levels of perks available on ships, after all), if you really want everything in the bundle and what it would cost if you were to purchase the items a la carte.

5. Travel With Friends

If you got a big family, lots of friends or the idea of going on a cruise with your co-workers isn’t terribly off-putting, you might be able to score a group rate on a cruise. For example, Norwegian Cruise Lines features a group deal that states, “For every 10 passengers booked (5 cabins), 1 passenger cruises for free.” In addition, people traveling on group deals may qualify for bonus packages that include food and drinks, excursions, free wifi and more.

6. Book Well in Advance… Or Last Minute

Popular cruises, particularly the more luxurious ones, tend to fill up quickly. And the best rates are usually available when tickets first go on sale, which can be as much as a year and a half in advance. As tickets begin to sell, and the sail date nears, prices typically start to rise. The other benefit of booking early is that you’re more likely to get your choice of cabin and dining options. Early bookers may also get access to other special perks, like free airfare, upgrades and free drinks.

That said, there are also plenty of stories of people scoring incredible last minute deals on cruises. As the departure date grows closer, if a ship hasn’t sold out, the cruise line may offer serious incentives in order to fill up those empty rooms.

7. Sail During Shoulder Season

Determining peak cruising season when demand is the highest can be tricky because of all the variables involved. First and foremost, different parts of the world experience the seasons and corresponding vacations at different times. So peak season in one part of the world may be very different from peak season in another.

Many think that off-peak season, when demand is the lowest, is the best time to find a cruise deal, though that may not always be the case. If a cruise line cuts back on the supply of cruises too much because of seasonal drops in demand, there may not be many deals or even much availability to be found. That’s why many point to “shoulder season,” the period between the peak and off-peak seasons, as the best time to find deals on cruises. Keep in mind that the weather might not be as great as it is during peak season, but you’re also more likely to avoid crowds both on the boat and on shore excursions. You’ll also want to consider seasonality when looking for the cheapest days to fly to and from your cruise’s point of departure and return.

8. Check for Special Discounts

As the old American Express slogan goes, “Membership has its privileges.” Well, when it comes to cruises, sometimes it does indeed. You may find that belonging to a group like AARP could score you a cruise discount. In fact, American Express itself offers its cardholders cruise benefits . There may also be general discounts for seniors, military families, teachers, and even frequent cruisers.

You might also be able to take advantage of resident cruise deals if you live in a particular area. Carnival, for example, offers deals to residents of states including Arkansas, Arizona, California, Colorado, Iowa, Illinois, Indiana, Kansas, Massachusetts, Michigan, Missouri, New Jersey, New York, Ohio and Pennsylvania.

9. Pay in Full

Even if you’ve found a fantastic deal on a cruise, relatively speaking, in the end, vacations are expensive, so it’s important to consider your financial options. If you don’t have the funds to cover the entire costs of the trip, then you may want to consider waiting until you do. Keep in mind that if you put the trip on a credit card and carry that balance over from month to month, you’ll be paying relatively high interest rates, perhaps 20% or higher. That adds to the cost of the trip significantly, even if you’re using a rewards credit card. Some, as a result, opt to use personal loans for vacations, which typically come with lower interest rates than credit cards. But personal loans, though often more affordable than credit cards, aren’t free, and they’ll add to your vacation budget as well.

10. Maintain a Budget

When planning your cruise it’s important to drill down and really think through the budget. If you don’t have a truly all inclusive deal, you’ll want to to itemize everything, such as:

•   Cruise tickets

•   Flights

•   Ground transportation

•   Food and Drinks

•   Excursions

•   Souvenirs

•   On-ship entertainment

•   Gambling

•   Pictures

•   Travel insurance

•   Gratuities

•   WiFi

•   International Calls

•   Currency Exchange

There are plenty of great budgeting trackers that can help you monitor spending on vacations and more, but when it comes to vacation planning, it’s best to earmark the money before you’ve spent it, add a cushion of 10 or 20 percent to cover the unexpected, and then stick to it. You’ll enjoy the vacation more knowing that you’ve got it covered and won’t stress out when it’s over because you’ve spent more than you can afford.

The Takeaway

Taking a cruise doesn’t have to be expensive. If you’re wondering how to get cheap cruise tickets, there are luckily myriad ways you can get cruise discounts, ranging from going during off or shoulder seasons to bundling your vacation expenses.

The cheapest way to cruise is to avoid paying with credit cards, personal loans or other methods that will end up costing you in interest. So if you need extra help budgeting for that cruise vacation, SoFi Checking and Savings could help. With a SoFi checking and savings account you can set savings goals for your next vacation.

Learn how SoFi Checking & Savings can help you start planning your next cruise today.


Photo credit: iStock/nantonov

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