Friend of mine was in Australia and went to get onto her gmail account. Gmail asked for the answers to her security questions because she was signing on from a different country. She appreciated the added security and had no problem accessing her account.
But how many of us remember the answers to our security questions. I was born in New York City. I never remember if I answer the question Where Were You Born as New York, New York City or NYC. So I ran into problems a few times until I was casually speaking with a representative of my credit union.
She said (duh!) it doesn't matter what I give as the answers to my three security questions. The only point is that if I am asked for the answers, I enter the same text as I entered when first setting it up. In fact, the answers to all three questions could be the same word(s).
I have now chosen one easy-to-remember word. It is the answer to all of my security questions. Not very secure? I guess. But at least this way I know I can get into an account if/when I have to.