News stories of data breaches, stolen identities, hi-jacked accounts and other cyber-crimes are at this point no more odd than those of fires or car accidents - they occur on a daily basis and don't seem to have any end-all solution in sight, at least not anytime soon. Just as one keeps a fire extinguisher and wears a safety belt for prevention and protection, so should one use every available tool to protect against cyber-crimes. One of the simplest yet most effective tools that can beef up your online security and privacy is two-factor authentication, also known as 2FA.