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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HP HPE6-A66 : Aruba Certified Design Associate (ACDA) ACTUAL EXAM QUESTIONS

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Exam Number : HPE6-A66
Exam Name : Aruba Certified Design Associate (ACDA)
Vendor Name : HP
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HP (ACDA) questions


Best HP Laptop for 2024

HP sells a wide variety of laptops, and many models are available in multiple configurations to match your performance and budget needs. If you need help finding the right HP laptop, they can help. Here are the main considerations to keep in mind when shopping for a new laptop.


The search for a new laptop for most people starts with price. If the statistics chipmaker Intel and PC manufacturers hurl at us are correct, you'll be holding onto your next laptop for at least three years. If you can afford to stretch your budget a little to get better specs, do it. And that stands whether you're spending $500 or more than $1,000. In the past, you could get away with spending less upfront with an eye toward upgrading memory and storage in the future. But laptop makers are increasingly moving away from making components easily upgradable, so again, it's best to get as much laptop as you can afford from the start. 

Generally speaking, the more you spend, the better the laptop. That could mean better components for faster performance, a nicer display, sturdier build quality, a smaller or lighter design from higher-end materials or even a more comfortable keyboard. All of these things add to the cost of a laptop. I'd love to say $500 will get you a powerful gaming laptop, for example, but that's not the case. Right now, the sweet spot for a reliable laptop that can handle average work, home office or school tasks is between $700 and $800, and a reasonable model for creative work or gaming upwards of about $1,000. The key is to look for discounts on models in all price ranges so you can get more laptop for less. And like other vendors, HP is constantly rotating sales on laptops on its site.


If you'll be taking your laptop with you to class or work or just down to your local coffee shop most mornings, then you'll want a smaller and lighter laptop -- something with a 13-inch or 14-inch screen. If you're buying a laptop for your home or work and don't plan on traveling with it with any great frequency, then it might serve you well to get a larger 15-inch, 16-inch or even a 17-inch display that gives you more room to work, play and multitask. 


When deciding on a display, there are many considerations: How much you need to display (which is surprisingly more about resolution than screen size), what types of content you'll be looking at, and whether you'll be using it for gaming or creative endeavors. 

You really want to optimize pixel density; that is, the number of pixels per inch the screen can display. Though there are other factors that contribute to sharpness, a higher pixel density usually means sharper rendering of text and interface elements. (You can easily calculate the pixel density of any screen at DPI Calculator if you don't feel like doing the math, and you can also find out what math you need to do there.) They recommend a dot pitch of at least 100 pixels per inch as a rule of thumb.

Because of the way Windows can scale the display, you're frequently better off with a higher resolution than you'd think. You can always make things bigger on a high-resolution screen, but you can never make them smaller -- to fit more content in the view -- on a low-resolution screen. This is why a 4K, 14-inch screen may sound like unnecessary overkill, but may not be if you need to, say, view a wide spreadsheet. 

Text and the edges of images can look fuzzy on a lower-resolution display. Look for a Full HD 1,920x1,080-pixel resolution at minimum -- or a 1,920x1,200-pixel resolution on laptops with 16:10 aspect ratios that are taller than traditional 16:9 widescreen displays and provide more vertical screen space for work without significantly increasing the footprint. A Quad HD (QHD) resolution of 2,560x1,440 pixels (2,560x1,600 on a 16:10 display) will result in crisper text and images and will likely suffice on a 13- or 14-inch laptop display -- you don't necessarily need a 4K display.


The processor, aka the CPU, is the brains of a laptop. Intel and AMD are the main CPU makers for Windows laptops. Both offer a staggering selection of mobile processors. Making things trickier, both manufacturers have chips designed for different laptop styles, like power-saving chips for ultraportables or faster processors for gaming laptops. Their naming conventions will let you know what type is used. You can head to Intel's or AMD's sites for explanations so you get the performance you want. Generally speaking, though, the faster the processor speed and the more cores it has, the better the performance will be. 


The graphics processor, or GPU, handles all the work of driving the screen and generating what gets displayed, as well as speeding up a lot of graphics-related (and increasingly, AI-related) operations. For Windows laptops, there are two types of GPUs: integrated (iGPU) or discrete (dGPU). As the names imply, an iGPU is part of the CPU package, while a dGPU is a separate chip with dedicated memory (VRAM) that it communicates with directly, making it faster than sharing memory with the CPU.

Because the iGPU splits space, memory and power with the CPU, it's constrained by the limits of those. It allows for smaller, lighter laptops, but doesn't perform nearly as well as a dGPU. In fact, there are some games and creative software that won't run unless they detect a dGPU or sufficient VRAM. Most productivity software, video streaming, web browsing and other nonspecialized apps will run fine on an iGPU, though.

For more power-hungry graphics needs, like video editing, STEM and design applications as well as gaming, you'll need a dGPU; there are only two real companies that make them, Nvidia and AMD, with Intel offering some based on the Xe-branded (or the older UHD Graphics branding) iGPU technology in its CPUs.


For memory, they highly recommend 16GB of RAM, with 8GB being the absolute bare minimum. RAM is where the operating system stores all the data for currently running applications, and it can fill up fast. After that, it starts swapping between RAM and SSD, which is slower. A lot of sub-$500 laptops have 4GB or 8GB, which, in conjunction with a slower disk, can make for a frustratingly slow Windows laptop experience. Also, many laptops now have the memory soldered onto the motherboard. Most manufacturers disclose this, but if the RAM type is LPDDR, assume it's soldered and can't be upgraded. 

Some PC makers will solder memory on, however, and also leave an empty internal slot for adding a stick of RAM. You may need to contact the laptop manufacturer or find the laptop's full specs online to confirm. And check the web for user experiences, because the slot may still be hard to get to, it may require nonstandard or hard-to-get memory or other pitfalls, including voiding the warranty.


You'll still find cheaper hard drives in budget laptops and larger hard drives in gaming laptops, but faster solid-state drives have all but replaced hard drives in laptops. They can make a big difference in performance. But not all SSDs are equally speedy, and cheaper laptops typically have slower drives; if the laptop only has only 8GB of RAM, it may end up swapping to that drive and the system may slow down quickly while you're working. 

Get what you can afford, and if you need to go with a smaller drive, you can always add an external drive or two down the road, or use cloud storage to bolster a small internal drive. The one exception is gaming laptops: They don't recommend going with less than a 512GB SSD unless you really like uninstalling games every time you want to play a new game. 

HP Coupon Codes 2024

FAQ Are there active HP coupon codes available?

Yes, there are 24 HP coupons available to use on Hp printers, laptops, instant ink, and more this January 2024.

Can you stack HP coupons?

No, HP does not allow coupon stacking. During checkout, you can only use one coupon code at a time.

What’s the best HP discount code?

Save $210 off with their limited-time HP promo code this January.

Does HP ever go on sale?

Yes, HP offers weekly deals with discounts of up to 66% off on computers and accessories. You can find new deals every week, featuring laptops, desktops, monitors, and various accessories at discounted prices.

Does HP supply student discounts?

Yes, HP offers up to a 40% discount for students. To avail of the student discount, you can visit the HP Student Store and sign in with a valid academic email address. The discount will be automatically applied without the need for any additional discount codes.

Does HP participate in Black Friday?

Yes, HP actively participates in Black Friday. During this time, you can find great deals on laptops, gaming accessories, and desktop computers, making HP a top shopping destination for Black Friday deals.

About Your HP Coupon Code

Hewlett-Packard, commonly known as HP, is a leading PC manufacturer offering a wide range of products. Their product lineup includes laptops, desktops, gaming PCs, business PCs, and Z workstations. Additionally, HP sells ink and toners, laser printers, home printers, home-office printers, large-format plotter printers, HP Instant Ink, and scanners. For those in need of accessories, HP provides monitors, mouse and keyboards, docking stations, gaming accessories, software, and care packs. When making purchases on their website, you can apply an HP coupon code to enjoy additional savings on these products.

Shop Trending Electronics with an HP Coupon

When using an HP coupon code, you can avail additional savings on a wide range of products offered by Hewlett-Packard. Some of the products you can buy with an HP coupon include:

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  • By applying the HP coupon code during checkout, you can enjoy attractive discounts on these quality products from HP's official website.

    Huge Savings with During an HP Sale

    HP offers various sales and promotional events throughout the year, providing customers with opportunities to save on their purchases. Some of the common sales periods and events at HP include:

  • Black Friday and Cyber Monday: Typically held in late January, these are major shopping events with significant discounts on various HP products.
  • Back to School Sale: During the back-to-school season, HP often offers special deals on laptops, printers, and other school essentials.
  • End of Year Clearance: Towards the end of the year, HP may have clearance sales to make way for new products, providing excellent discounts on previous models.
  • Seasonal Sales: HP occasionally offers seasonal sales during holidays like Christmas, New Year, and other festive occasions.
  • HP Days: These are exclusive promotional periods when HP offers limited-time deals and discounts on a wide range of products.
  • Keep an eye on HP's official website and sign up for their newsletter to stay updated on upcoming sales events and special offers throughout the year.

    HP is committed to providing excellent customer service and support to its customers. If you have any inquiries, issues, or need assistance with your HP products, here are some of the ways you can reach their customer services:

  • Online Support: Visit HP's official website to access a comprehensive support center with helpful articles, troubleshooting guides, and drivers for your products.
  • Live Chat: Chat with an HP representative in real-time through their website to get quick answers to your questions.
  • Phone Support: You can call HP's customer support team at their toll-free number to speak with a representative and receive personalized assistance.
  • Email: Send an email to HP's customer support team, and they will respond to your query as soon as possible.
  • Social Media: HP is active on various social media platforms, where you can reach out to them for support and stay updated on the latest news and announcements.
  • Authorized Service Centers: If your product needs repair or servicing, you can locate an authorized service center near you for professional assistance.
  • HP values its customers and strives to ensure their satisfaction by providing timely and effective support for all their products.


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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 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.


    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:


    • 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


    • 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