One feature I've always wanted for any site with a login, is the ability to send a text message to my cell phone whenever my login/pw is used, with an option to text back 'no' to deny the login and kick off the user.
This way, when I know it's me logging in, I can just ignore the text, but if it isn't me (some hacker in Germany, for instance), I can immediately bump them off, and I don't have to wait for the damage to be done to reclaim my account.