Although I've lived overseas in Japan for some time now, I still maintain a "presence" of sorts in my USA homeland in the form of bank accounts, credit cards, Paypal, etc. The Internet with its access-anywhere convenience makes this reasonably easy; however, I smacked into a challenge when seeking to boost the security of my online financial accounts. My ultimate goal was to setup multi-factor authentication wherever possible--a feature supported by most major online services, especially the money-related ones.
Some sites use handy token apps like "Google Authenticator" to provide the second authentication factor, but most I found use SMS--messaging the one-time password (OTP) to your phone upon login. The problem I have is that sites like Paypal require a USA phone number to send the SMS to. But I don't have a USA phone number because I live abroad. Am I forever doomed to answer recycled personal questions when logging in?