Was ist das eigentlich? Cyberrisiken verständlich erklärt
Es wird viel über Cyberrisiken gesprochen. Oftmals fehlt aber das grundsätzliche Verständnis, was Cyberrisiken überhaupt sind. Ohne diese zu verstehen, lässt sich aber auch kein Versicherungsschutz gestalten.
Beinahe alle Aktivitäten des täglichen Lebens können heute über das Internet abgewickelt werden. Online-Shopping und Online-Banking sind im Alltag angekommen. Diese Entwicklung trifft längst nicht nur auf Privatleute, sondern auch auf Firmen zu. Das Schlagwort Industrie 4.0 verheißt bereits eine zunehmende Vernetzung diverser geschäftlicher Vorgänge über das Internet.
Anbieter von Cyberversicherungen für kleinere und mittelständische Unternehmen (KMU) haben Versicherungen die Erfahrung gemacht, dass trotz dieser eindeutigen Entwicklung Cyberrisiken immer noch unterschätzt werden, da sie als etwas Abstraktes wahrgenommen werden. Für KMU kann dies ein gefährlicher Trugschluss sein, da gerade hier Cyberattacken existenzbedrohende Ausmaße annehmen können. So wird noch häufig gefragt, was Cyberrisiken eigentlich sind. Diese Frage ist mehr als verständlich, denn ohne (Cyber-)Risiken bestünde auch kein Bedarf für eine (Cyber-)Versicherung.
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(iStock) The sooner you decide you'll be studying abroad, the better, since you'll be able to work extra hours before you leave and start putting money aside. This will also be an important time to make a budget, so you aren't overspending during the semester. Create a rough budget to stick to before you leave, and then make any adjustments necessary once you get there. 4. Begin to learn the language of the country you'll be living inStudying abroad is a great opportunity to learn a new language. You'll get a better grasp of the language once you spend time around people using it, but it will be helpful to begin learning the basics before you go. 5. Research the country ahead of timeIf you are heading to a place you've never visited, or spent minimal time in, you'll want to conduct basic research on the country before you leave. Research on the country you are visiting so you'll know what to expect when you arrive. (iStock) TRAVELING SOON? 5 SMART TECH STEPS TO TAKE BEFORE YOU HIT THE ROAD Do research to determine landmarks and sights you want to see while you're abroad and find some information on the laws and proper etiquette in the foreign country. 6. Keep a travel journal during your stayOnce you arrive, get in the habit of writing in a journal at the end of each day. Write down everything you did, what you learned and what you're looking forward to. You'll be thankful you kept a journal to look back on after your trip. Also, take lots of pictures and create a scrapbook of your journey. If writing really isn't your thing, another option is to create a video diary of your trip, where instead of writing, you take a short clip on your phone or camera each day talking about what you did. You can combine this with pictures and videos of you exploring so you can show everyone back home. 7. Make friends, both within your program and localsStudying abroad affords you opportunities to meet many new people, both students in your program and locals. Locals can teach you so much about the country and can also help you learn the language. Studying abroad can introduce you to many new people you would not have met otherwise. (iStock) CLICK HERE TO GET THE FOX NEWS APP 8. Embrace every opportunity that comes your wayStudying abroad is a once in a lifetime opportunity, so take advantage of the experience at hand. Visit everything you wanted to visit, spend time fully embracing the culture and learn as much as possible. 9. Push yourself to be extrovertedWhile this is easier said than done, take studying abroad as a chance to be extra extroverted and eager to learn. If you sit back and wait for things to come to you, you're probably not going to have the experience you imagined. Ask questions, be present and enjoy every minute. Ashlyn Messier is a writer for Fox News Digital. |
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