Two Factor Authentication...Problems?

I put the following post on Spiceworks for comments and discussion.  We recommend two-factor authentication for more secure management of your online accounts.  This post is a caution about managing those accounts.

https://community.spiceworks.com/topic/1958091-two-factor-authentication-on-hover-com-and-other-sites-problems

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2016, the year of the Ransonmware exploit