I'm using today's tip to remind everyone to activate two-factor authentication for your online accounts because it's still an excellent extra layer of protection that's effective. If you think about it, it's kind of like using your debit card where you have to have two-factors of authentication: your debit card as well as the associated PIN. Just think how dangerous it would be if your debit card didn't require a PIN in order to get money out of an ATM. IMHO, it's what anyone that is not using 2FA is doing with their online accounts. Once activated, a thief would be required to steal both your login credentials and your smartphone at the same time in order to sneak into your account. This security layer also provides you with alerts to know when someone has stolen your credentials, because you'll get a security code out of the blue on your smartphone. Virtually every major online account is now offering this extra layer of protection. To see which of your online accounts offers the protection along with how to activate it, visit" https://twofactorauth.org