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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Military ASVAB-Arithmetic-Reasoning : ASVAB Section 2 : Arithmetic Reasoning exam Dumps

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Exam Number : ASVAB-Arithmetic-Reasoning
Exam Name : ASVAB Section 2 : Arithmetic Reasoning
Vendor Name : Military
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Military Reasoning Question Bank

Military Bank: Definition, Services Provided, and Benefits

What Is a Military Bank?

A military bank is a financial institution that offers services tailored to members of the armed forces. Military banks are popular among service people because they offer special financial products and services, perks, and benefits that are more suitable for military families' needs and lifestyles. Though some of these banks might target a broader audience, military banks primarily focus on military personnel and design banking products to serve them.

Key Takeaways

Military banks and credit unions offer services and products created especially for members of the armed forces.

Some military banks are located near or on military installations and offer services that accommodate those who are deployed or travel frequently.

Traditional banks target a broader consumer base but may offer products and services for military personnel, including veterans.

Members of the military must exercise due diligence when reviewing banking options and not assume that a military bank will be the best choice.

Understanding Military Banks

People who serve in the military, along with their families, have unique banking needs that military banking services are designed to meet. Frequent travel and relocation make features like fully refundable out-of-network ATM fees and remote check deposit valuable. An account that has no foreign transaction fees helps a servicemember deployed abroad.

Founded in 1922, USAA is one of the oldest U.S. military banks. Navy Federal Credit Union is the largest credit union in the world. Mainstream banks like U.S. Bank, Bank of America, Wells Fargo, Chase, and many others also have services specifically geared toward military members.

Some military banks require customers to have a military affiliation, either directly (active members or veterans) or indirectly (a spouse or dependent) to use their services. USAA is one example.

Benefits of Using Military Banks

In addition to providing services that are amenable to frequent travel and relocation, military banks often have branches and ATMs located at or near military bases. They also offer specialized products, such as VA home loans, that are only available to those who meet service requirements. Backed by the government, VA home loans are one of the very few 0% down payment loans available in the United States.

Some military banking benefits are available not only to current military members but also to former members, their spouses, surviving spouses, and children of the serviceperson.

Active-duty servicemembers and members of the National Guard or reserve who are called to active duty have certain financial protections under the Servicemembers Civil Relief Act (SCRA). Provisions of the SCRA provide benefits such as a 6% cap on interest rates for debts incurred before entering the military, delayed legal proceedings for mortgage foreclosure while a soldier is deployed, the right to terminate an auto lease early upon deployment, and more.

Best Military Banks

The following are among the best military banks and credit unions that cater to service members:

The Association of Military Banks of America, founded in 1959, is a nonprofit trade association of institutions specializing in banking services for military personnel and their families around the world. Its website offers a directory of military banks. The Defense Credit Union Council is a trade association representing credit unions operating on military installations.

Alternatives to Military Banks

Many benefits that military banks offer to military servicemembers are also available through regular banks. VA loans are one example. Members of the military should explore all banking options available to them and not automatically assume that a military bank will best serve their needs or that it has the lowest fees and best interest rates.

Two Israeli civilians killed in flashpoint West Bank town, Israel military says

CNN —

Two Israeli civilians were shot and killed on Saturday in the flashpoint West Bank town of Huwara, according to the Israel Defense Forces (IDF).

IDF soldiers have been pursuing the suspects and have set up blockades in the area, the military said in a statement.

The Magen David Adom (MDA) rescue service said they received a report of a shooting at 3:04 p.m. local time. Medics and paramedics arrived and performed CPR on two men – ages 60 and 29 – alongside IDF medics.

MDA paramedic Tomer Gusman said the victims were unconscious with gunshot wounds.

Huwara, south of Nablus in the occupied West Bank, was the scene of the fatal shooting of two Israeli settler brothers in February, following that night by revenge attacks by settlers on the Palestinian town.

The IDF has deployed extra troops in the town in the wake of the violence.

Videos taken in Huwara showed an ambulance and army vehicles at the scene, with a road checkpoint closed off to vehicles and traffic at a standstill.

Hamas, the Palestinian militant movement that runs Gaza and is increasingly popular in the West Bank, praised the attack without directly claiming responsibility for it.

Spokesperson Abdel-Latif al-Qanou said the shooting was “the product of the promise to defend their people and respond to the crimes of the occupation,” a reference to Israel.

In a statement released by his office on Saturday, Israel’s Prime Minister Benjamin Netanyahu said security forces were “working diligently to find the murderer.”

“I send my condolences to the family of the two murdered – a father and son – whose lives were cut short in such a cruel and criminal way during Shabbat,” Netanyahu said.

“The security forces are working diligently to find the murderer and come to terms with him, just as they have done with all the murderers so far.”

Two Israeli civilians killed in flashpoint West Bank town, Israel military says

By Abeer Salman, Amir Tal, Ibrahim Dahman, Heather Chen and Hadas Gold, CNN

(CNN) — Two Israeli civilians were shot and killed on Saturday in the flashpoint West Bank town of Huwara, according to the Israel Defense Forces (IDF).