It’s safe to assume that your passwords have already been stolen and if you’re not using 2-factor authentication for email, Facebook and the like that your accounts will be broken into sooner or later.

Fact: Passwords alone are no longer effective. This is something both sides of the aisle can agree upon. 2014 went down as “the year of the breach,” when a Russian crime ring on its own stole more than 1.2 billion passwords.