The PayPal Security Key is a small electronic device, about the size of your thumb, that
generates a unique security code for your account about every 30
seconds. You use that code to access your PayPal account, and to help prevent
people that you don't know from doing the same. It's like a combination
lock for your account, except that the combination always changes.
I've had issues with PayPal security in the past. Nobody has broken into my account, but PayPal is really trigger happy when it comes to suspecting fraud and they've both frozen my account and made it very difficult to access while traveling overseas. As it's difficult to get somebody from PayPal on the phone, or even via email, I look at this as something which will make my life easier, not more work.
And it is easy. You simply hit the button when you log in, get the six-digit code, and attach it to your normal password.
How much? Right now, you can get it for $5, which includes postage. Get one now.