In my first article regarding increasing online security for normal people, I covered LastPass. Then in my second article I covered how to use a hardware dongle for Two Factor Authentication (2FA). I also use Google Authenticator for 2FA, which is an app that generates time sensitive security codes.
Google Authenticator is a very nice solution indeed, as it can help you generate security codes for any app/site that supports it. One of the main benefits with it is that they have sort of defined a standard that others can join, which many have.
For you as a user that means you can actually use the same app for many services, which in turn means you don’t have to install many and various solutions just to get your Two Factor Authentication going.