OK, this is a biggie for a lot of my seniors.
First, they are unfamiliar with the concept of providing security questions when signing up for an online account and so aren't particularly careful to choose their questions wisely.
And then when they actually need to use them to recover a password they don't remember the answer because it may have been years since the account was set up and the current answer to the question is not the same as the original answer.
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Case in point, one of my clients needed to recover her AOL password. When she set up the account umpteen years ago her challenge question was "What's your favorite restaurant?" She named her favorite restaurant. Then over the years she moved twice and experienced other major life changes. So when she needed to answer the security question she had no idea what her original answer was, and after repeated guesses we had to give up.
We finally contacted AOL by phone and managed to get her back into her account. The AOL rep was nice enough to explain that her initial guess was correct. We were just spelling it wrong. Ouch.
Another client's security question was "Where did you meet your spouse?" That one seems fairly straight-forward. But nope, she couldn't remember whether it was Wisconsin, Madison, the lake, at college or something else.
The takeaway here is that if you are asked to choose security questions when setting up an account, write them down. Because you are simply not going to remember them five years from now. Especially since many websites require you to choose multiple questions, and each website has different options.
Following the advice I gave in Senior Challenge #1 here's a good format:
Amazon.com
User ID = Gmail address, Password = 5432Helen
Security Question 1 - name of favorite sports team - jets
Security Question 2 - name of first pet - hammy
Security Question 3 - favorite hobby - curling