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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AIIM IQ0-100 : Certified Information Professional ACTUAL EXAM QUESTIONS

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Latest 2023 Updated AIIM Certified Information Professional Syllabus
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Exam Number : IQ0-100
Exam Name : Certified Information Professional
Vendor Name : AIIM
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IQ0-100 test Format | IQ0-100 Course Contents | IQ0-100 Course Outline | IQ0-100 test Syllabus | IQ0-100 test Objectives


Test Detail:
The AIIM IQ0-100 Certified Information Professional (CIP) examination is designed to assess the knowledge and skills of professionals in the field of information management. Below is a detailed description of the test, including the number of questions and time allocation, course outline, test objectives, and test syllabus.

Number of Questions and Time:
The AIIM IQ0-100 Certified Information Professional test consists of 100 multiple-choice questions. Candidates are given a time limit of 120 minutes to complete the exam.

Course Outline:
The AIIM IQ0-100 CIP certification covers a wide range of courses related to information management. The course outline typically includes the following areas:

1. Information Management Fundamentals:
- Introduction to information management.
- Key concepts and terminology.
- The role of information professionals.
- Information governance principles and frameworks.

2. Records and Information Management:
- Records management principles and practices.
- Information lifecycle management.
- Records retention and disposition.
- Electronic records management.
- Legal and regulatory compliance.

3. Information Governance:
- Information governance frameworks.
- Policies, procedures, and controls.
- Risk management and mitigation.
- Privacy and data protection.
- Information security.

4. Information Organization and Access:
- Taxonomies and classification schemes.
- Metadata management.
- Search and retrieval techniques.
- Knowledge management.

5. Business Process Management:
- Business process analysis and improvement.
- Workflow automation.
- Process mapping and modeling.
- Business process integration.

6. Content Management:
- Content creation and capture.
- Document and content management systems.
- Collaboration and document sharing.
- Web content management.

7. Information Systems and Technology:
- Information systems architecture.
- Enterprise content management systems.
- Information storage and retrieval.
- Information security technologies.
- Emerging technologies and trends in information management.

Exam Objectives:
The objectives of the AIIM IQ0-100 CIP test are to assess the candidate's knowledge and skills in the following areas:

1. Understanding the fundamentals of information management.
2. Proficiency in records and information management principles and practices.
3. Knowledge of information governance frameworks and compliance requirements.
4. Ability to organize and access information effectively.
5. Understanding business process management concepts and techniques.
6. Competence in content management systems and technologies.
7. Knowledge of information systems architecture and emerging technologies in information management.

Exam Syllabus:
The AIIM IQ0-100 CIP test syllabus outlines the specific courses and competencies covered in the exam. The syllabus typically includes the following areas:

- Information Management Fundamentals
- Records and Information Management
- Information Governance
- Information Organization and Access
- Business Process Management
- Content Management
- Information Systems and Technology



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AIIM Professional testing

 

The Best Hearing Aids for 2023

We include products they think are useful for their readers. If you buy through links on this page, they may earn a small commission Here’s their process.

How they vet brands and products

Healthline only shows you brands and products that they stand behind.

Our team thoroughly researches and evaluates the recommendations they make on their site. To establish that the product manufacturers addressed safety and efficacy standards, we:
  • Evaluate ingredients and composition: Do they have the potential to cause harm?
  • Fact-check all health claims: Do they align with the current body of scientific evidence?
  • Assess the brand: Does it operate with integrity and adhere to industry best practices?
  • We do the research so you can find trusted products for your health and wellness.

    Was this helpful?

    Whether you’re looking for over-the-counter (OTC) or prescription hearing aids, we’ve got details on all the best options.

    OTC hearing aids Prescription hearing aids

    If you’re thinking about getting hearing aids or looking into new ones, you’re not alone. Approximately 37.5 million U.S. adults have some degree of hearing loss. Many people with hearing loss may benefit from assistive technologies, such as hearing aids.

    Shopping for hearing aids can be challenging, especially if you haven’t purchased them before. Some come with lots of options and settings, while others are simpler to use. They rounded up an array of options based on common concerns, including cost.

    Note that before choosing the right hearing aids for you, it’s best to speak with your doctor or a healthcare professional and ask for a hearing exam. They may refer you to a specialist and can help you decide if and what type of hearing aids you might need.

    For this roundup, they only chose hearing aids from manufacturers with solid reputations. Hearing aids are medical devices that must meet criteria approved by the Food and Drug Administration (FDA).

    We read scores of online consumer reviews and spoke with people who use some of them. They only chose hearing aids that consistently get more positive than negative comments.

    Most of the hearing aids on this list come with financing options, a manufacturer’s warranty, and a 30-day or greater risk-free trial.

    We looked at a wide range of features that are important to consumers, including:

  • invisibility, or being discreet to wear
  • Bluetooth connectivity
  • ease of use
  • adaptive noise reduction
  • tinnitus relief
  • custom fit options
  • price
  • ability to recharge
  • Pricing guide

    Hearing aid prices can vary significantly from retailer to retailer. We’ve indicated the price for single hearing aids. In some instances, these prices are bundled and reflect additional services like follow-up visits and hearing aid maintenance.

    Prices are estimated as follows:

  • $ = under $1,000
  • $$ = $1,000–$2,000
  • $$$ = over $2,000
  • OTC hearing aids Best hearing aids for natural sound
  • Accepts insurance: no
  • Style of fit: in-the-ear
  • Trial period: 45 days
  • Battery life: 12 hours, 35 hours with charging case
  • Availability: over the counter
  • Price: $$
  • Healthline's review

    The brand formerly known as Lively is now rebranded as Jabra Enhance. They call their Select 200 hearing aid their “most natural and immersive hearing experience.” It features streaming capabilities and a music mode, which can help Improve the sound of live music.

    While this isn’t the most budget-friendly pick on their list, Jabra Enhance does offer a 100-day trial period, a 3-year warranty, and free shipping and returns. If you’re unhappy with your experience, you can return it within the trial period for a full refund.

    This model is available in eight different colors, and it’s available to ship directly to consumers with personalized audiologist support.

    Pros & cons
  • includes Bluetooth connectivity
  • automatic volume control
  • 3-year warranty
  • other top picks have a longer battery life
  • includes Bluetooth connectivity
  • automatic volume control
  • 3-year warranty
  • other top picks have a longer battery life
  • Product details
  • Features: signal processing for audio clarity beyond just raising volume, four microphones to reduce background noise, miniaturized design
  • Battery type: rechargeable
  • Warranty: 1 year
  • Returns: returns within 45 days
  • Shipping: free shipping
  • Features: signal processing for audio clarity beyond just raising volume, four microphones to reduce background noise, miniaturized design
  • Battery type: rechargeable
  • Warranty: 1 year
  • Returns: returns within 45 days
  • Shipping: free shipping
  • Accepts insurance: no
  • Style of fit: receiver-in-canal
  • Battery life: 4-7 days, depending on use
  • Trial period: 45 days
  • Availability: over the counter
  • Price: $
  • Healthline's review

    If your hearing aids aren’t comfortable, you probably won’t wear them. Since they’re self-fitting, the Lexie B1 overrides that potential issue. They come with an ear measuring tool and domes in multiple sizes, so you’ll be able to supply yourself a professional-level hearing aid fitting at home.

    They’re also self-tuning. You can amplify quiet sounds to better hear conversations in noisy rooms, plus adjust treble and bass for crispness and tone.

    You can also use the Lexie app to store multiple hearing environment settings, like watching TV, parks, and restaurants.

    The Lexie B1 uses disposable 312 zinc-air batteries. If you prefer a rechargeable hearing aid option, the Lexie B2 is also available at a slightly higher price.

    Pros & cons
  • self-fitting
  • easy to adjust, button-controlled settings
  • discreet design
  • comes with a one-year warranty and a 45-day trial period
  • only available in gray
  • can't be used to stream music or phone calls
  • self-fitting
  • easy to adjust, button-controlled settings
  • discreet design
  • comes with a one-year warranty and a 45-day trial period
  • only available in gray
  • can't be used to stream music or phone calls
  • Product details
  • Features: self-fitting, Bluetooth enabled, directional microphone, wind and feedback repression, ambient noise reduction
  • Warranty: 1 year
  • Returns: returns within 30 days
  • Shipping: free shipping for Prime members
  • Features: self-fitting, Bluetooth enabled, directional microphone, wind and feedback repression, ambient noise reduction
  • Warranty: 1 year
  • Returns: returns within 30 days
  • Shipping: free shipping for Prime members
  • Prescription hearing aids Best prescription hearing aid for natural sound
  • Accepts insurance: based on purchase source
  • Style of fit: receiver-in-the ear
  • Battery life: rechargeable (25 hours)
  • Trial period: based on purchase source
  • Availability: prescription
  • Price: $$$
  • Healthline's review

    These receiver-in-the ear hearing aids have three microphones: two on the hearing aid itself and one at the opening of the ear canal.

    This technology is made to support your ability to pinpoint and localize sound. The ReSound ONE aims to mimic the ear’s natural ability to funnel sound into the ear canal.

    You can purchase this hearing aid as a rechargeable device or with disposable batteries.

    Pros & cons
  • can choose between models with rechargeable or disposable battery operation
  • designed to produce natural sound
  • very expensive compared with other options
  • can choose between models with rechargeable or disposable battery operation
  • designed to produce natural sound
  • very expensive compared with other options
  • Product details
  • Features: a microphone and receiver are in the ear to generate natural sound, including the sound of your own voice; directional sound identification supports one-to-one conversations in noisy environments; supports speech clarity in windy environments
  • Warranty: 1–4 years
  • Features: a microphone and receiver are in the ear to generate natural sound, including the sound of your own voice; directional sound identification supports one-to-one conversations in noisy environments; supports speech clarity in windy environments
  • Warranty: 1–4 years
  • Best invisible prescription hearing aids
  • Accepts insurance: based on purchase source
  • Style of fit: in-the-canal
  • Battery life: no batteries required; hearing aids remain in the ear for months at a time, and duration varies from person to person
  • Trial period: based on purchase source
  • Availability: prescription; find a provider
  • Price: $$$
  • Healthline's review

    The Phonak Lyric is placed directly into your ear canal near your eardrum by a trained hearing care professional, making the aids invisible. They use your ear’s natural shape and anatomy to localize sound.

    You can leave these hearing aids in your ears for months at a time without removing them.

    They also provide relief from tinnitus. Price is based on an annual subscription.

    Pros & cons
  • sit inside your ear canal so they're not noticeable
  • can remain in your ears for months
  • must be placed by a trained hearing care professional
  • sit inside your ear canal so they're not noticeable
  • can remain in your ears for months
  • must be placed by a trained hearing care professional
  • Product details
  • Features: uses your natural ear anatomy to generate natural sound, 24/7 tinnitus relief
  • Warranty: varies locally; 1 year limited international warranty at date of purchase
  • Features: uses your natural ear anatomy to generate natural sound, 24/7 tinnitus relief
  • Warranty: varies locally; 1 year limited international warranty at date of purchase
  • Best hearing aids for one-sided hearing loss
  • Accepts insurance: based on purchase source
  • Style of fit: receiver-in-canal
  • Battery life: rechargeable (1 day)
  • Trial period: available
  • Availability: prescription
  • Price: $$
  • Healthline's review

    This small, receiver-in-canal hearing aid has Bluetooth connectivity, so you can stream phone calls, music, and TV directly to your ear from other devices. They’re designed to provide enhanced hearing in noisy environments.

    They can also charge overnight for a full day’s worth of reliable hearing performance, plus they have a fast-charging option. In addition, they detect your voice and process it to generate a natural sound.

    Pros & cons
  • allows for content streaming
  • comes with a fast-charging option
  • available in 10 colors
  • other top picks offer longer battery life
  • allows for content streaming
  • comes with a fast-charging option
  • available in 10 colors
  • other top picks offer longer battery life
  • Product details
  • Features: bluetooth for media streaming; app for setting adjustments and communication with a hearing professional; face mask mode for clearer voice quality; directional hearing configuration
  • Warranty: 2 years
  • Features: bluetooth for media streaming; app for setting adjustments and communication with a hearing professional; face mask mode for clearer voice quality; directional hearing configuration
  • Warranty: 2 years
  • Best hearing aids for severe hearing loss
  • Accepts insurance: based on purchase source
  • Style of fit: behind-the-ear
  • Battery life: rechargeable (3–10 days)
  • Trial period: available
  • Availability: prescription
  • Price: $$$
  • Healthline's review

    These hearing aids are designed to isolate sound and focus on the person in front of you, to differentiate between speech and background noise.

    They use a technology that the manufacturer calls BrainHearing to scan your environment repeatedly, providing speech clarity and reduced listening effort. They can eliminate the feedback noise caused by close proximity to the speaker, such as whistling and static.

    They also have Bluetooth technology and direct streaming capability.

    Pros & cons
  • features Bluetooth technology
  • long lasting battery life
  • higher price point than other top picks
  • features Bluetooth technology
  • long lasting battery life
  • higher price point than other top picks
  • Product details
  • Features: provides 360-degree sound without static or whistling; scans your surroundings 100 times per second to reduce listening effort and enhance speech clarity
  • Warranty: 3 years
  • Features: provides 360-degree sound without static or whistling; scans your surroundings 100 times per second to reduce listening effort and enhance speech clarity
  • Warranty: 3 years
  • Accepts insurance: based on purchase source
  • Style of fit: behind-the-ear
  • Battery life: rechargeable (24 hours)
  • Trial period: based on purchase source
  • Availability: prescription
  • Price: $$$
  • Healthline's review

    These hearing aids come in two models based on your hearing loss level. A hearing care professional, such as an audiologist, will work with you to determine which model and performance level will be best for you.

    These hearing aids are powerful enough to produce clear, crisp sounds in noisy environments. This translates into less listening effort during conversations and during events like lectures and plays.

    They’re Bluetooth compatible with iOS and Android. You can use them for hands-free calling and for streaming media.

    They’re rechargeable and will hold a charge for 24 hours, even if you use them for streaming.

    The MyPhonak app lets you adjust and fine-tune your hearing aids remotely.

    Pros & cons
  • works well for people with severe hearing loss
  • comes in nine colors
  • Bluetooth compatible for hands-free calls and streaming
  • prices may vary based on the hearing care professional you work with and your geographic location
  • works well for people with severe hearing loss
  • comes in nine colors
  • Bluetooth compatible for hands-free calls and streaming
  • prices may vary based on the hearing care professional you work with and your geographic location
  • Product details
  • Features: Bluetooth streaming, remote fine-tuning
  • Warranty: varies locally; 1 year limited international warranty at date of purchase
  • Features: Bluetooth streaming, remote fine-tuning
  • Warranty: varies locally; 1 year limited international warranty at date of purchase
  • Best hearing aids for tinnitus
  • Accepts insurance: based on purchase source
  • Style of fit: behind-the-ear
  • Battery life: disposable (up to 7 days)
  • Trial period: available
  • Availability: prescription
  • Price: $$$
  • Healthline's review

    Tinnitus often accompanies hearing loss. Oticon More hearing aids come with Oticon’s Tinnitus SoundSupport system, which is controlled through an app. The app is compatible with iPhone and Android. It uses masking relief sounds that reduce your brain’s perception of tinnitus sounds. There’s a library of sounds to choose from, including white noise and ocean sounds.

    Oticon More hearing aids have a chip embedded in each device that has been trained on 12 million real-life sounds. According to the manufacturer, this supports your brain to make better sense of the sounds coming into your ears. The result is less listening effort and enhanced speech understanding.

    A variety of hearing programs includes MyMusic, which provides rich, crystal-clear sound when you’re listening to live music or streaming music from your device.

    Pros & cons
  • library of masking sounds provides tinnitus relief
  • available in two styles
  • comes with a risk-free trial
  • can only be purchased through an Oticon hearing aid specialist or audiologist
  • price may vary based on your hearing care professional and geographic location
  • library of masking sounds provides tinnitus relief
  • available in two styles
  • comes with a risk-free trial
  • can only be purchased through an Oticon hearing aid specialist or audiologist
  • price may vary based on your hearing care professional and geographic location
  • Product details
  • Features: tinnitus relief, no-wait custom fit, Bluetooth compatibility, telecare remote support
  • Warranty: 2 years
  • Features: tinnitus relief, no-wait custom fit, Bluetooth compatibility, telecare remote support
  • Warranty: 2 years
  • Best ready-to-wear hearing aids
  • Accepts insurance: based on purchase source
  • Style of fit: in-the-ear
  • Battery life: rechargeable (24 hours)
  • Trial period: available
  • Availability: prescription
  • Price: $$
  • Healthline's review

    These hearing aids eliminate the wait time typically required for custom-made hearing aids. They come with silicone click sleeves that click onto the hearing aids, providing a secure, custom-like fit.

    They’re Bluetooth compatible and can be used to make phone calls and stream media.

    Telecare remote support with a hearing care professional is available through the Signia app. You can also use the app to control your settings and volume. Settings can also be adjusted through a mini device you attach to your key ring.

    If you have one-sided hearing loss, you can use these hearing aids with a CROS Silk X accessory.

    Signia hearing aids come with tinnitus-relieving tools, including Notch Therapy. Notch Therapy can identify and reduce your tinnitus frequency. Sound masking is also used.

    Pros & cons
  • includes tinnitus relief tools
  • good for one-sided hearing loss
  • small, discreet size
  • prices may vary based on your hearing care professional and geographic location
  • no rechargeable option
  • includes tinnitus relief tools
  • good for one-sided hearing loss
  • small, discreet size
  • prices may vary based on your hearing care professional and geographic location
  • no rechargeable option
  • Product details
  • Features: tinnitus relief app, Bluetooth-enabled streaming, hands-free calling from any smartphone
  • Warranty: 2 years
  • Features: tinnitus relief app, Bluetooth-enabled streaming, hands-free calling from any smartphone
  • Warranty: 2 years
  • Hearing requires the transmission of auditory information from your ears to your brain, through the auditory pathway. Hearing loss may result from damage, injury, or issues affecting the auditory pathway or any part of the ear.

    Hearing loss can be unilateral (affects one ear) or bilateral (affects both ears).

    There are four types of hearing loss:

  • Sensorineural hearing loss: This is the most common type, and it may be caused by aging, loud noise exposure, ototoxic medications, or other issues. Sensorineural hearing loss is associated with issues in the hearing nerve or inner ear.
  • Conductive hearing loss: This occurs when sound can’t get through the outer or middle ear. This type of hearing loss is less common than sensorineural hearing loss. It’s usually corrected with medication or surgery rather than hearing aids.
  • Mixed hearing loss: This results from a combination of sensorineural and conductive hearing loss.
  • Auditory neuropathy spectrum disorder: This is a form of hearing loss that affects the way sound is interpreted by the brain. It’s usually caused by damage to the inner ear or hearing nerve.
  • Degrees of hearing loss

    In addition to type, hearing loss is categorized by degree. It’s common for people to not know the extent of their hearing loss, especially if it has come on gradually. That’s one of the reasons why testing by an audiologist or other type of hearing professional is valuable prior to purchasing hearing aids.

    Hearing loss levels can vary between each ear:

  • Mild hearing loss: It may cause you to miss some words in conversations that take place in noisy or quiet environments. Soft sounds of any type may also be challenging to hear.
  • Moderate hearing loss: It can cause you to miss most words spoken at a normal conversational volume in any type of environment.
  • Severe hearing loss: It eliminates your ability to hear normal-sounding speech. Loud sounds may be muffled.
  • Profound hearing loss: It eliminates your ability to hear any speech or external sound, except for very loud noise, such as sirens or fireworks.
  • There are several factors to consider when you’re choosing between hearing aid types. These include the severity of your hearing loss and your inner ear shape. Your personal preferences about hearing aid visibility and features like Bluetooth connectivity will also play a role.

    The main hearing aid types are:

  • Behind the ear (BTE): worn behind or on top of the outer ear
  • In the ear (ITE): worn in the ear canal
  • Receiver in the ear (RITE)/receiver in canal (RIC): components are placed in and behind the ear
  • Invisible in the canal (ITC): fit deeply inside the ear canal and are virtually invisible
  • Completely in the canal (CITC): worn within the ear
  • Many hearing aids are available in either rechargeable or disposable battery options. Your ability to handle small batteries and other hearing aid components is another important factor to consider.

    The main difference between prescription and OTC hearing aids is cost.

    Prescription hearing aids aren’t usually covered by health insurance and can be prohibitively expensive for many people. This can lead to uncorrected hearing loss and reduced quality of life.

    The cost of hearing aids, as well as the financial burden caused by needing to see and travel to a specialist, is the main driver of uncorrected hearing loss.

    To increase access to affordable hearing aids, the FDA issued a ruling that makes hearing aids available over the counter without a prescription. They range from around $200–$1,000 per pair.

    OTC hearing aids are approved for use in adults, ages 18 and over, with mild to moderate hearing loss. They may work best for people with sensorineural hearing loss rather than conductive or mixed hearing loss.

    You won’t need an audiogram, fitting, or prescription to get them. In addition to reducing the cost of the hearing aids, this ruling helps eliminate financial hurdles for people without health insurance and for those with high deductible plans.

    The FDA estimates that the new OTC hearing aid ruling will reduce the overall cost of hearing aids by around $3,000 per pair. However, they’re not right for everyone.

    If you’re considering OTC hearing aids but don’t know the level or type of hearing loss you have, consider seeing a specialist first.

    OTC hearing aids are available through many online retailers and brick-and-mortar stores like:

  • CVS
  • Walmart
  • Hy-Vee
  • Best Buy
  • Sam’s Club
  • Walgreens
  • Costco
  • Establishing the cost for a pair of hearing aids can be difficult to predict unless you’re ordering a pair over the counter. OTC hearing aids do not require a prescription or consultation with a professional, which can immediately save you money up front.

    Prices can vary for OTC hearing aids, but they’re generally under $2,000 and can go as low as $250–$300 for a budget pair. The downside of OTC hearing aids is that they won’t be customized to your specific hearing needs and your options are limited in terms of professional advice if they do not meet your needs.

    Going the prescription route will cost more, but you’re also more likely to find the right pair for your needs, and you can follow up and with your prescriber to discuss any trouble you’re having with your new pair.

    These consultations may vary in price. In some cases, they may be covered under your insurance plan or Medicare, so it is worth verifying with your insurance to see if the visit is fully or even partially covered.

    In general, prescription hearing aids are not covered by insurance plans, but some can be eligible for reimbursement through a health savings account (HSA) or flexible spending account (FSA).

    In fact, several of the hearing aids on their list state are FSA and HSA eligible. For a pair of prescription pair of hearing aids, you can expect to see prices from about $2,000–$3,000 on average.

    Hearing loss usually occurs gradually. You may suddenly realize you’ve been turning up the volume on your devices or TV for a while so that you can hear them better.

    If you’re having difficulty hearing and following conversations, especially in noisy environments, that may be a sign to have your hearing checked. Difficulty hearing while on the phone is another possible sign.

    The only way to know for sure that you need hearing aids is to have a professional audiological evaluation. You can also take an online hearing test, but these are not as conclusive or detailed as an test from a hearing care professional.

    It’s important to know your level of hearing loss before you buy. If you’re considering OTC hearing aids this is especially important, since OTC hearing aids only address mild to moderate hearing loss.

  • Hearing aids are not usually covered by insurance, so keep your budget in mind
  • If budget is an issue, look for hearing aids with fewer “bells and whistles,” like Bluetooth streaming
  • Hearing aids are not usually covered by insurance, so keep your budget in mind
  • If you have a condition that affects your grip or hand dexterity, avoid buying hearing aids that utilize hard-to-handle, tiny components or disposable batteries
  • It takes time to adjust to hearing aids. If this is your first pair, make sure they come with a money-back ensure and a risk-free trial period
  • Always check for a warranty and insurance options that protect you from loss or damage
  • Once you have identified your level of hearing loss, you can work with an audiologist or hearing care professional on the fit and features that will be beneficial for you. Things to consider include:

  • Trial periods and warranties: If you’re new to hearing aids or are trying out a new type, make sure you can return them if they don’t work for you.
  • Visibility: Some hearing aids are completely invisible. Others have small, unobtrusive wires or behind-the-ear parts that can be seen. Your hearing ability, hairstyle, and comfort are factors that may influence your choice.
  • Streaming capability: Bluetooth streaming enables you to listen to media and phone calls through your hearing aids, hands-free.
  • Budget: Hearing aids can be very expensive and aren’t always covered by insurance. Avoid looking to cut costs by buying used hearing aids or defunct models. Instead, look for hearing aids that work within your budget or those that come with payment plans.
  • Battery type: Hearing aids may be rechargeable or use very small disposable batteries. If you have issues with hand dexterity, you may be better off with a rechargeable model.
  • Noise reduction: All hearing aids reduce noise to some extent. Find out the level of noise reduction you can expect in the environments that are important to you, such as restaurants and windy natural settings.
  • Program changes and adjustments: Hearing aids may be adjusted via a remote control, app, or by touching the hearing aid itself.
  • Buying hearing aids online can be a convenient and budget-friendly option. However, it’s important to buy wisely.

  • Online hearing tests don’t supply as much information as professional testing. To get the most effective hearing aids for your type and level of hearing loss, consider getting a prescription, prior to purchase.
  • Only buy hearing aids from a reputable retailer with a good track record
  • Look for consumer-friendly features like free shipping and returns, a trial period, and warranty.
  • Check to see if they include access to a hearing care professional.
  • Hearing aid use has a learning curve. Talk with a hearing care professional to help you troubleshoot and tailor your experience.
  • How can I get a hearing exam?

    If you work with a healthcare professional such as an audiologist, they’ll supply you a full audiogram, or hearing test, which provides concrete information about your level of hearing loss.

    They can also explain the differences between hearing aid styles and make a recommendation about which style might be best for you.

    Audiologists may not offer the same variety of brands and styles that you might get from an online retailer.

    If you purchase hearing aids through an online retailer, you may have the option of taking an online hearing test. These tests may be accurate, but they may not be as comprehensive or personalized as some people would like.

    Should I get fitted for a hearing aid?

    Research from 2013 studied why a group of individuals chose not to wear hearing aids, and, along with other reasons, some people chose to opt out of wearing their aids due to an uncomfortable fit.

    To avoid this, make sure the ones you choose fit correctly and feel comfortable in your ears, even after all-day wear.

    Do my hearing aids need extra technology?

    Some people need certain technological functions added to their hearing aids, such as the ability to pair them with their phones. Others simply want to put their hearing aids in and forget about them. Choose hearing aids that accommodate your unique situation.

    What can I do if I have tinnitus?

    If you have tinnitus, look for a hearing aid that specifically addresses this condition. Many hearing aids come with apps that provide built-in tinnitus therapy sounds or reduce overstimulation.

    Are hearing aids covered by Medicare or insurance?

    Hearing aids can be expensive, and while not usually covered by insurance or by Medicare, it’s possible to find ones that work for you and ways to cover the costs.

    Shop around for the best price. Many online retailers and big-box stores sell hearing aids at deep discounts.

    Ask if the price you’re paying is bundled or unbundled. Unbundling the costs of your hearing aids may eliminate line items you have no use for.

    Hearing aids are an investment, so make sure to only purchase those that come with a risk-free trial of at least 30 days, as well as a manufacturer’s warranty.

    About 37.5 million U.S. adults have hearing loss and would benefit from wearing hearing aids.

    Getting fitted for hearing aids to make sure they fit properly, are comfortable, and match your preferred style is important. But the price and cost of meeting with a professional may be outside of your budget at the moment.

    In that case, OTC alternatives, while not specifically tailored to your needs, may be a more budget-friendly alternative


    Genetic Testing Before Pregnancy: What You Need To Know

    “We can now screen for over 500 different types of [disorders] depending on the company or test you are using,” says Dr. Keegan. “This gives us the opportunity to prevent the transmission of inherited genetic disorders through the technology available and a simple blood test.”

    The ACOG recommends considering family history and ethnicity, in addition to the most common genetic conditions, when deciding which mutations to include. Parents may also benefit from genetic counseling, which is a service that helps people understand the results of their tests and make informed decisions throughout the process.

    Here are some of the most common conditions identified through genetic carrier screening:

    Cystic Fibrosis

    There are currently almost 40,000 children and adults living with cystic fibrosis in the U.S . Cystic fibrosis is a disease that affects the lungs, pancreas and other organs. People who have cystic fibrosis have difficulties breathing. The mutation involved with cystic fibrosis causes a protein to not function correctly, which then causes mucus buildup in multiple organs throughout the body.

    Fragile X Syndrome

    About 1 in 7,000 males and about 1 in 11,000 females have fragile X syndrome, the most common cause of inherited intellectual disability . Fragile X is associated with lower than average IQ, developmental delays and other co-occurring health conditions including seizures, autism, hyperactivity, attention difficulties and more.

    Spinal Muscular Atrophy (SMA)

    One in every 6,000 babies is born with spinal muscular atrophy, or SMA, which is a group of genetic disorders that cause a weakening of the muscles . Symptoms may vary, but people with SMA may require physical and occupational therapy, support devices such as wheelchairs or assistance with breathing. Symptoms generally worsen over time and there is no cure.

    Tay-Sachs Disease

    Although anyone can be a carrier, Tay-Sachs disease is more common for people of Ashkenazi Jewish ancestry, as one in every 27 members of the population is a carrier for the disease . Symptoms may include deafness, blindness, seizures, decreased muscle tone, dementia and others.

    Sickle Cell Disease

    It is estimated that approximately 100,000 people in the U.S. have sickle cell disease . This inherited condition is most common in Black or African American people but can affect any race. Sickle cell disease includes a group of red blood cell disorders that can cause acute chest syndrome, anemia, blood clots or infections.


    America’s Test Kitchen: Take the comforting combo of bacon and eggs to an extravagant level

    French cooks prepare scrambled eggs slowly over low heat with butter, stirring constantly until they form small, velvety curds. This version has no added fat. (Save it for the bacon!) Stirring constantly and adding a touch of water at the end controls the egg proteins so that some form delicate curds while the rest thicken to a saucy consistency. Be sure to cook the eggs slowly; it should take 12 to 14 minutes total. For the luscious bacon, simply sprinkle sugar, rosemary, and black pepper over the pieces and bake.

    French-Style Scrambled Eggs with Rosemary Candied Bacon

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    Serves 4

    For the bacon:

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    12 ounces center-cut bacon

    1/4 cup packed light brown sugar

    1 tablespoon minced fresh rosemary

    1 teaspoon pepper

    For the eggs:

    8 large eggs

    1/2 teaspoon table salt

    3 tablespoons water, divided

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    1 teaspoon minced fresh parsley or chives

    For the bacon:

    1. Adjust oven racks to upper-middle and lower-middle positions and heat oven to 350 degrees. Line two rimmed baking sheets with aluminum foil. Cut bacon in half crosswise. Arrange bacon on prepared sheets.

    2. Combine sugar, rosemary, and pepper in a bowl. Sprinkle sugar mixture evenly over bacon. (Do not flip and sprinkle on the second side.) Use your fingers to spread sugar mixture evenly over each piece.

    3. Bake until bacon is dark brown and sugar is bubbling, 20 to 25 minutes, switching and rotating sheets halfway through baking. (If bacon on 1 sheet finishes cooking sooner, it’s OK to remove this sheet from the oven first.) Transfer bacon to a wire rack set over paper towels and let cool for 5 minutes.

    For the eggs:

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    1. While bacon cooks, use a fork to beat eggs and salt until blended. Heat 2 tablespoons water in a 10-inch nonstick skillet over low heat until steaming. Add egg mixture and immediately stir with rubber spatula. Cook, stirring slowly and constantly, scraping edges and bottom of skillet, for 4 minutes. (If the egg mixture is not steaming after 4 minutes, increase heat slightly.)

    2. Continue to stir slowly until eggs begin to thicken and small curds begin to form, about 4 minutes longer. (If curds have not begun to form, increase heat slightly.) If any large curds form, mash with spatula. As curds start to form, stir vigorously, scraping edges and bottom of skillet, until eggs are thick enough to hold their shape when pushed to 1 side of skillet, 4 to 6 minutes.

    3. Remove skillet from heat. Add remaining 1 tablespoon water and parsley and stir vigorously until incorporated, about 30 seconds. Serve with bacon.

    (For 25 years, home cooks have relied on America’s Test Kitchen for rigorously tested recipes developed by professional test cooks and vetted by 60,000 at-home recipe testers. The family of brands — which includes Cook’s Illustrated and Cook’s Country — offers reliable recipes for cooks of all skill levels. See more online at www.americastestkitchen.com/TCA.)

    ©2023 America’s Test Kitchen. Distributed by Tribune Content Agency, LLC.


     




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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