Two-factor may help…but cannot guarantee an absolute security. Check this: http://www.americanbanker.com/issues/178_111/new-breed-of-banking-malware-hijacks-text-messages-1059745-1.html
If you have no idea what this screenshot means, then your online accounts are not sufficiently protected.
Google Authenticator is a little smartphone app (iTunes; Play Store) that you can – and should – use to ensure that whoever logs into your account on Gmail, Dropbox, Tumblr and so on not only has your username and password, but also is in physical possession of your smartphone, i.e. is most likely to be you. This is important in general, but phenomenally important for your primary email account, since whoever gets into that has a good shot at full-scale identity theft if they want to.
Two-step verification means that when you login to Gmail from a new machine, after your usual username-and-password step, you are asked for a six-digit verification code; and you obtain the code – which changes constantly – by opening the Authenticator app on your smartphone. You only have to…
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cannedcat 