I've seen on several sites where people can list there referral id's to all the programs they belong to. I didn't study them but it seemed that they were using different user names/log in's besides the recommended use of different passwords. I began signing up for programs in April & used the same name where given the choice. However I wasn't able to work the programs regularly so some have deleted me, some I've learned thru studing the forums that I should drop. SOOOOOO, my question is should I be signing up with different user names as well as passwords???

I would say no.. cause since the user id is in the referral links anyway there is no way to keep that information private unless you never advertise which wouldn't be a good thing lol . Some people may do it and I too have been caught doing it.. but mostly I used the same id and just change my password for each program so they all have different passwords..

I agree with Tipsy, it would be Ok to use the same username but never-ever use the same password for other programs.

you also might want to get rid of gator and just write them down on a note pad