For those of you who haven't heard about the Heartbleed Bug, please take a few moments to read on. This may be the most important security story of the year, or maybe ever. After you read, you may want to share this with everyone you know, because it's just that important.

For years, most people have used single-factor authentication to protect their online services. In other words, many websites only require one kind of information — something you know — to log in, usually just a username and password. Enabling two-factor authentication drastically reduces the risk of getting hacked.

In a world where news of security breaches and stolen passwords have become almost daily routine, it would seem as though passwords are on their way to becoming obsolete. Until they do, however, we still have to deal with them. The big takeaway? Using the same password on multiple websites and services is a bad idea.