Using 2nd factor authentication with online accounts, like PayPal, can keep you and your money safe. A criminal might crack your PayPal password, but logging in requires a second thing like your cell phone, the criminal is stopped cold. "Second Factor Authentication" simply means requiring a second query, like sending a text message to your cell phone, to verify the person logging in is actually you. But what if you cannot receive a text message? Reading text messages while traveling in another country is tricky. What if you need to access an online account, like PayPal, but are locked out by being unable to answer the 2nd factor authorization step?