Twitter has told its account holders that they need to be smarter with their passwords.

BBC: Hacking group Anonymous latest victim of Twitter hack

Now bank executives say they need to be smarter when setting the initial interest rates on credit cards.

WSJ: Credit Cards Are Exception to Lower Consumer Rates

With the increase in mobile malware, consumers need to be smarter in how they protect themselves and where they click.

CNN: Check your phone: Nations with the most mobile malware

At times we were very naive and we need to be smarter.

BBC: England 0-0 Czech Republic

And obviously with the banking situation that we're in, you know, the money is at risk, and people need to be smarter about that.

NPR: Are Your Investments Safe?

In order to make the most out of the investments we make in technology we need to be smarter about the way we spend our money.

WHITEHOUSE: A Year of Change in Federal IT

"Patients need to learn to be a lot smarter and a lot savvier about their health care, " Geroulo said.

CNN: Five mistakes that will land you in medical debt

Recovery strategies also need to be enhanced so we don't necessarily have to train less just train smarter.

BBC: Total fitness from the land of Total Football

And naturally, we now have a smarter and more experienced Federal Reserve to step in and save us when need be.

FORBES: Review: The Little Book of Bulls Eye Investing