The online world has become too dangerous for us to keep protecting ourselves with no more than a username and a password. Especially when most of us choose stupidly simple passwords. Even if you choose a good one – upper and lower case, special characters, letters and numbers – you now need such a long one that no human can remember it. Tools like LastPass are great, but only if you also use ridiculously long passwords. Pretty much the best protection you can give yourself is a simple thing called two factor authentication. It’s simple, it’s free, and it’s very effective.