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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Teacher-Certification CSET : California Subject Exams for Teachers ACTUAL EXAM QUESTIONS

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Exam Number : CSET
Exam Name : California Subject Exams for Teachers
Vendor Name : Teacher-Certification
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CSET test Format | CSET Course Contents | CSET Course Outline | CSET test Syllabus | CSET test Objectives

Test Detail:
The CSET (California Subject Exams for Teachers) is a series of exams designed to assess the subject-specific knowledge and teaching skills of prospective teachers in California. The CSET exams cover a wide range of subjects and grade levels. Here is a general overview of the CSET test structure, including the number of questions and time allocation, course outline, test objectives, and test syllabus.

Number of Questions and Time:
The number of questions and time allocation for the CSET exams vary depending on the specific subject and test level. Each test typically consists of multiple subtests, and the number of questions and time limit for each subtest can differ. On average, each subtest may have 40-60 multiple-choice questions or a combination of multiple-choice and constructed-response questions. The total test duration can range from 2 to 4 hours, depending on the exam.

Course Outline:
The CSET exams cover a wide range of subjects and grade levels, including multiple subjects exams for elementary teachers and single subject exams for secondary teachers. The course outline for each CSET test corresponds to the specific subject and grade level being assessed. It typically includes the following areas:

1. Subject Content Knowledge:
- Comprehensive coverage of the subject-specific content, concepts, and theories relevant to the exam
- Depth and breadth of knowledge in the subject area
- Understanding of the subject's key principles, theories, historical context, and applications

2. Pedagogical Content Knowledge:
- Knowledge of effective teaching strategies, instructional methods, and test techniques specific to the subject
- Understanding of how to design and deliver instruction that promotes student learning and engagement
- Knowledge of curriculum development and alignment with state standards

3. Subject-Specific Skills and Competencies:
- Application of subject-specific skills, including problem-solving, critical thinking, analysis, and synthesis
- Ability to apply subject knowledge to real-world scenarios and demonstrate proficiency in relevant skills
- Knowledge of subject-specific terminology, conventions, and best practices

Exam Objectives:
The objectives of the CSET exams are to assess candidates' subject-specific knowledge, pedagogical content knowledge, and their ability to apply that knowledge effectively in a teaching context. The exams aim to determine if candidates possess the necessary content knowledge and teaching skills required to teach the subject at the specified grade level. The specific test objectives may vary based on the subject and grade level being assessed.

Exam Syllabus:
The test syllabus for each CSET test provides a detailed breakdown of the subject areas, subtopics, and competencies that candidates should study. The syllabus typically covers the breadth and depth of the subject, including specific content areas, skills, and competencies that are relevant to teaching. The syllabus serves as a guide for candidates to focus their study efforts and ensures that the test covers the essential knowledge and skills needed to be an effective teacher in the subject area.

Candidates should refer to the official CSET test resources, including the test information guides and test preparation materials, for the most accurate and up-to-date information on the specific test details, course outline, test objectives, and test syllabus for their chosen CSET exam.

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Bihar Teacher Syllabus 2023: Syllabus PDF Download, test Pattern, and More

Bihar Teacher Syllabus 2023: BPSC released the notification of recruitment of 170785 Primary, PGT and TGT posts on the official website @bpsc.bih.nic.in. download BPSC Bihar Teacher Syllabus Pdf and test Pattern for Primary, Secondary, and Senior-Secondary

Bihar Teacher Syllabus 2023: The Bihar Public Service Commission has released the test pattern of the Bihar Teacher syllabus for primary, secondary, and senior-secondary posts. As the Bihar Teacher test is approaching, candidates must commence their preparation immediately.

With this, they should check the Bihar Teacher syllabus and test pattern to get insights into the topics, test format, question paper structure, etc. and maximise their qualifying chances. Going by the past trend and analysis, it is found that the overall questions asked in the Bihar teacher test were moderately difficult. Hence, one can predict questions to be moderately difficult in the upcoming exam.

In this article, they have shared the Bihar Teacher syllabus PDF for all the posts along with the test pattern, syllabus, and best books for the preparation.

Bihar Teacher Syllabus 2023

The Education Department of Bihar is going to conduct the Bihar Teacher 2023 exam. Check the detailed overview of the Bihar Teacher Syllabus 2023 in the table given below:

Bihar Teacher Syllabus 2023 Overview

Conducting Body

BPSC

Exam Name

Bihar Teacher 2023 exam

New grants support early childhood educator training

California State University Long Beach (CSULB) and California State University, Dominguez Hills (CSUDH) today announced $33 million in funding from the Ballmer Group, a philanthropic organization, to support programs designed to address the shortage of early childhood educators (ECE). These grants are intended to help close the emerging ECE teacher gap as well as provide living wage jobs for these educators.

California school districts need an estimated 12,000-15,000 credentialed ECE teachers to drive California Gov. Newsom’s expansion of early childhood education such as TK, or transitional kindergarten, experts say.

CSULB and CSUDH both have key programs that train early childhood educators, a profession long dominated by women of color in California. Whereas preschool teachers often exist on meager wages, TK teachers are paid the same as K-12 teachers. That’s why these programs should increase the economic mobility of ECE teachers who can use their new credentials to access jobs with better pay and benefits.

Wednesday, August 23, 2023, 10:52 am Gov. Newsom sends letters to districts about ethnic studies requirement as part of anti-hate campaign Wednesday, August 23, 2023, 7:53 am Can teachers tap into natural curiosity to fuel learning? Tuesday, August 22, 2023, 12:59 pm Affordable housing for teachers breaks ground in Palo Alto Tuesday, August 22, 2023, 11:15 am Orange Unified to consider notifying parents if students are transgender Tuesday, August 22, 2023, 11:15 am LA Unified plan would limit charter school co-locations

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No result found, try new keyword!By The Learning Network What can you show or tell us to help explain what it’s like to be an educator or student in secondary school right now? Submit in words, images, audio or video ...

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Warum sind Cyberrisiken so schwer greifbar?

Als mehr oder weniger neuartiges Phänomen stellen Cyberrisiken Unternehmen und Versicherer vor besondere Herausforderungen. Nicht nur die neuen Schadenszenarien sind abstrakter oder noch nicht bekannt. Häufig sind immaterielle Werte durch Cyberrisiken in Gefahr. Diese wertvollen Vermögensgegenstände sind schwer bewertbar.

Obwohl die Gefahr durchaus wahrgenommen wird, unterschätzen viele Firmen ihr eigenes Risiko. Dies liegt unter anderem auch an den Veröffentlichungen zu Cyberrisiken. In der Presse finden sich unzählige Berichte von Cyberattacken auf namhafte und große Unternehmen. Den Weg in die Presse finden eben nur die spektakulären Fälle. Die dort genannten Schadenszenarien werden dann für das eigene Unternehmen als unrealistisch eingestuft. Die für die KMU nicht minder gefährlichen Cyberattacken werden nur selten publiziert.

Aufgrund der fehlenden öffentlichen Meldungen von Sicherheitsvorfällen an Sicherheitsbehörden und wegen der fehlenden Presseberichte fällt es schwer, Fakten und Zahlen zur Risikolage zu erheben. Aber ohne diese Grundlage fällt es schwer, in entsprechende Sicherheitsmaßnahmen zu investieren.

Erklärungsleitfaden anhand eines Ursache-Wirkungs-Modells

Häufig nähert man sich dem Thema Cyberrisiko anlass- oder eventbezogen, also wenn sich neue Schadenszenarien wie die weltweite WannaCry-Attacke entwickeln. Häufig wird auch akteursgebunden beleuchtet, wer Angreifer oder Opfer sein kann. Dadurch begrenzt man sich bei dem Thema häufig zu sehr nur auf die Cyberkriminalität. Um dem Thema Cyberrisiko jedoch gerecht zu werden, müssen auch weitere Ursachen hinzugezogen werden.

Mit einer Kategorisierung kann das Thema ganzheitlich und nachvollziehbar strukturiert werden. Ebenso hilft eine solche Kategorisierung dabei, eine Abgrenzung vorzunehmen, für welche Gefahren Versicherungsschutz über eine etwaige Cyberversicherung besteht und für welche nicht.

Die Ursachen sind dabei die Risiken, während finanzielle bzw. nicht finanzielle Verluste die Wirkungen sind. Cyberrisiken werden demnach in zwei Hauptursachen eingeteilt. Auf der einen Seite sind die nicht kriminellen Ursachen und auf der anderen Seite die kriminellen Ursachen zu nennen. Beide Ursachen können dabei in drei Untergruppen unterteilt werden.

Nicht kriminelle Ursachen

Höhere Gewalt

Häufig hat man bei dem Thema Cyberrisiko nur die kriminellen Ursachen vor Augen. Aber auch höhere Gewalt kann zu einem empfindlichen Datenverlust führen oder zumindest die Verfügbarkeit von Daten einschränken, indem Rechenzentren durch Naturkatastrophen wie beispielsweise Überschwemmungen oder Erdbeben zerstört werden. Ebenso sind Stromausfälle denkbar.

Menschliches Versagen/Fehlverhalten

Als Cyberrisiken sind auch unbeabsichtigtes und menschliches Fehlverhalten denkbar. Hierunter könnte das versehentliche Veröffentlichen von sensiblen Informationen fallen. Möglich sind eine falsche Adressierung, Wahl einer falschen Faxnummer oder das Hochladen sensibler Daten auf einen öffentlichen Bereich der Homepage.

Technisches Versagen

Auch Hardwaredefekte können zu einem herben Datenverlust führen. Neben einem Überhitzen von Rechnern sind Kurzschlüsse in Systemtechnik oder sogenannte Headcrashes von Festplatten denkbare Szenarien.

Kriminelle Ursachen

Hackerangriffe

Hackerangriffe oder Cyberattacken sind in der Regel die Szenarien, die die Presse dominieren. Häufig wird von spektakulären Datendiebstählen auf große Firmen oder von weltweiten Angriffen mit sogenannten Kryptotrojanern berichtet. Opfer kann am Ende aber jeder werden. Ziele, Methoden und auch das Interesse sind vielfältig. Neben dem finanziellen Interesse können Hackerangriffe auch zur Spionage oder Sabotage eingesetzt werden. Mögliche Hackermethoden sind unter anderem: Social Engineering, Trojaner, DoS-Attacken oder Viren.

Physischer Angriff

Die Zielsetzung eines physischen Angriffs ist ähnlich dem eines Hackerangriffs. Dabei wird nicht auf die Tools eines Hackerangriffs zurückgegriffen, sondern durch das physische Eindringen in Unternehmensgebäude das Ziel erreicht. Häufig sind es Mitarbeiter, die vertrauliche Informationen stehlen, da sie bereits den notwendigen Zugang zu den Daten besitzen.

Erpressung

Obwohl die Erpressung aufgrund der eingesetzten Methoden auch als Hackerangriff gewertet werden könnte, ergibt eine Differenzierung Sinn. Erpressungsfälle durch Kryptotrojaner sind eines der häufigsten Schadenszenarien für kleinere und mittelständische Unternehmen. Außerdem sind auch Erpressungsfälle denkbar, bei denen sensible Daten gestohlen wurden und ein Lösegeld gefordert wird, damit sie nicht veröffentlicht oder weiterverkauft werden.

Ihre Cyberversicherung sollte zumindet folgende Schäden abdecken:

Cyber-Kosten:

Soforthilfe und Forensik-Kosten (Kosten der Ursachenermittlung, Benachrichtigungskosten und Callcenter-Leistung)
Krisenkommunikation / PR-Maßnahmen
Systemverbesserungen nach einer Cyber-Attacke
Aufwendungen vor Eintritt des Versicherungsfalls

Cyber-Drittschäden (Haftpflicht):

Befriedigung oder Abwehr von Ansprüchen Dritter
Rechtswidrige elektronische Kommunikation
Ansprüche der E-Payment-Serviceprovider
Vertragsstrafe wegen der Verletzung von Geheimhaltungspflichten und Datenschutzvereinbarungen
Vertragliche Schadenersatzansprüche
Vertragliche Haftpflicht bei Datenverarbeitung durch Dritte
Rechtsverteidigungskosten

Cyber-Eigenschäden:

Betriebsunterbrechung
Betriebsunterbrechung durch Ausfall von Dienstleister (optional)
Mehrkosten
Wiederherstellung von Daten (auch Entfernen der Schadsoftware)
Cyber-Diebstahl: elektronischer Zahlungsverkehr, fehlerhafter Versand von Waren, Telefon-Mehrkosten/erhöhte Nutzungsentgelte
Cyber-Erpressung
Entschädigung mit Strafcharakter/Bußgeld
Ersatz-IT-Hardware
Cyber-Betrug