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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Exam PreparationIf you are planning to take a graduate school entrance exam, take the time to prepare for it. Before registering for an exam, confirm with the graduate school program which test is required, if any. Some graduate schools don’t require entrance exams and others may waive the requirement. All test registrations require a non: refundable fee. Graduate School Entrance ExamsRemember, there are many test preparation courses, packages, and software out there. Always consider your free options before choosing those with a cost. Some additional free options are reading Comprehension – GRE Test Prep & Practice and GRE Daily Vocabulary. Why The Test Preparation Industry May Finally Get Out Of The ClassroomFocusing on SATs, LSATs or even the bar test seems unthinkable today as the world grapples with a global pandemic. Yet students are continuing to prepare in spite of the myriad other challenges they face during this crisis. The choices these students are making now will drastically change the future of the test preparation industry. That's a market predicted to reach more than $30 billion by 2021 while posting an expected 6% compound annual growth rate (CAGR) through 2024. As a test preparation company CEO, I'm making a bold prediction for my industry: Test preparation will never return to physical classrooms. I believe the current pandemic will finally erase all significant demand for classroom-based test prep. Here's why. Everything Is Changing, But Test Prep Will Change More As I argued in my exact Forbes article, the current, forced transition to distance learning will reveal many lasting benefits of remote education and reshape how they teach. For test preparation, however, I expect an even more drastic change. Classroom courses have irreplaceable benefits for students in some programs of study (e.g., the physical sciences). The value of any test preparation course, however, is dependent largely on just two factors: instructor quality and curriculum quality. Online Test Prep Means More Consistent Instruction Instructor consistency has long been a weakness of the test preparation industry. In 2008, before online prep was common, college admissions expert Richard Montauk wrote: "The major (LSAT prep) companies inevitably (given the huge numbers they employ) take on many instructors of less than stellar intellect…provide them with limited training and suffer from high instructor turnover." If you don't have classrooms, you don't have to hire subpar instructors to fill a classroom in a market where no top-notch candidates are available. While instructors whose test scores were as low as the 90th percentile or even below may be hired to teach classroom-based LSAT courses, online-first companies can afford to restrict hiring to 99th-percentile scorers (that's especially important for the LSAT, where many top law schools' lowest-scoring admittees reached the 97th percentile). A High-Quality Curriculum Works Anywhere As for curriculum quality, standardized tests are a known entity. The most drastic changes to the SAT in years had less to do with the test than with attempts to correct for intrinsic biases in testing. The LSAT may be doing away with logic games, but analytical reasoning will remain, albeit in a different form. The challenge, therefore, in creating an effective curriculum is twofold: First, you need to create a simple method that leads learners to correct answers, and second, you need to deliver course content in such a way that learners are able to acquire that knowledge. The research says, and has said for years, that online learning is as good as classroom learning and sometimes even better for knowledge acquisition. So, any high-quality test preparation curriculum should serve students as well or even better online vs. in-person. Market Manipulation Helped To Keep Classroom Test Preparation Afloat If remote test preparation is as good or better than classroom-based prep, why hasn't this transition already occurred? The answer may be that large companies don't want change. Take, for example, the massive 2007 class-action lawsuit accusing two dominant companies of illegally creating a monopoly to drive out smaller, higher-tech competitors. If the biggest players in any market collude to keep it from changing, change will be delayed until external factors intervene. Enter coronavirus. Industry giants will now have to scramble to catch up with online-first companies. The Other Side Of The Coin This industry shift carries with it a call to action for test prep companies to better serve their most economically vulnerable students. The New York Times found that absences increased more for poorer students following the forced transition to distance learning. Students of lower socioeconomic status own less reliable devices and lack access to broadband internet. If we, as an industry, shift away from the classroom and onto the internet completely, they must address these socioeconomic disparities. Otherwise, test prep will become exactly what critics claim it is: just another way for wealthy students to get an unearned leg up. Some suggestions for my peers in the test preparation industry: • Don't just offer scholarships — make them automatic. For students who have qualified for need-based assistance, like LSAC's fee-waiver, don't make them apply all over again. Just verify they've already qualified and then grant a scholarship. • Test your product offerings on low-cost devices. The Huawei P20 Lite, priced under $350, is among the world's most-used smart devices. If your course isn't usable on a cheap Android phone, it is inaccessible to much of the world. • Make your course work without data. What if a student's data plan is disconnected for nonpayment? Can they still use your app effectively by downloading enough course content from a Wi-Fi connection at school or work to later prep at home? • Provide free access to live instruction. It doesn't cost you much to offer office hours with top instructors via Zoom, but it can benefit your students enormously. • But don't use 'live online' as a stopgap. "Live online" requires students to log in at set times and watch instructors deliver content in real time via a webinar. By forcing students to learn at the same pace and on set schedules with limited access, this "innovation" actually shares many of the inefficiencies that plague the in-class model. Instead of this half-baked live online format, take the time to thoughtfully balance self-paced learning with free, live instructor support. Final Thoughts These are unprecedented times. In many ways more important than any standardized test score, the world has already changed for good. Both in test prep and in business in general, they must learn to adapt to a dramatically altered landscape. What are you doing to prepare yourself for change in your industry? If you'd like to chat about it, let's connect. Together, they are all stronger, even at a time when in-person togetherness is impossible. What the GRE Test Is and How to PrepareNo result found, try new keyword!be all set,'" says Dennis Yim, director of live online courses with Kaplan, the education and test prep company. 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