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The most practical advice I am reading about this for users is to consider easy options.
1. Stay off the internet as far as sites asking for username and password for a few days, or
2. If you must visit SSL sites (Usually indicated with HTTPS in the URL string) Change your password and consider implementing two tier security especially for online banking and bookkeeping applications, etc.
3. Change your password again in a few days when folks with SSL certificates have done what they can as far as patching what turned out to be a very basic programming flaw.
4. Break the habit of using the same username and password for everything. Rotate your passwords periodically.
5. Never let a site "remember" your password or username. It really is not that big a deal to type it in each time is it?
6. Be mindful of how much personal information you share in profiles and that you store in online accessible databases. Crooks cannot mine it if it is not there.
The problem with this is Heartbleed went undetected for as much as two years so if somebody was mining personal data, etc. they have had plenty of time to do it.
I hope everybody runs malware and virus checkers manually every month at least? It is sort of like vaccinations for kids. Your software reports back and strengthens against bugs and malware it finds if you let it and this helps us all. However, it seems Heartbleed leaves no traces.
Let us all not over react to this until we have reason to do so. This is not to say we should not take it seriously.