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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Medical RDN : Registered Dietitian exam Dumps

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Exam Number : RDN
Exam Name : Registered Dietitian
Vendor Name : Medical
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RDN exam Format | RDN Course Contents | RDN Course Outline | RDN exam Syllabus | RDN exam Objectives

Test Detail:
The Registered Dietitian (RDN) certification is a professional credential for individuals who have completed the necessary education and training in the field of nutrition and dietetics. The certification is administered by the Commission on Dietetic Registration (CDR) and is recognized in the medical and healthcare industry. This description provides an overview of the RDN certification.

Course Outline:
The RDN certification requires completion of specific education and training requirements in the field of nutrition and dietetics. The course outline may include the following topics:

1. Nutrition Sciences:
- Biochemistry and metabolism
- Nutrient composition and analysis
- Macronutrients and micronutrients
- Food science and technology

2. Medical Nutrition Therapy:
- Clinical exam and diagnosis
- Nutrition intervention and monitoring
- Disease-specific nutrition management
- Nutritional support and therapy

3. Foodservice Management:
- Menu planning and development
- Food production and service
- Food safety and sanitation
- Quality assurance and control

4. Community and Public Health Nutrition:
- Health promotion and education
- Public health programs and policies
- Community nutrition exam
- Nutrition counseling and behavior change

5. Research and Evidence-Based Practice:
- Research methodology and design
- Data analysis and interpretation
- Evidence-based practice guidelines
- Research ethics and dissemination

Exam Objectives:
The RDN certification exam evaluates the candidate's knowledge and competence in the field of nutrition and dietetics. The exam objectives may include:

1. Understanding of nutrition sciences and their application in health and disease.
2. Ability to assess nutritional needs and develop appropriate interventions.
3. Knowledge of medical nutrition therapy for various diseases and conditions.
4. Competence in foodservice management principles and practices.
5. Understanding of community and public health nutrition concepts and strategies.
6. Familiarity with research methodologies and evidence-based practice in nutrition.

Exam Syllabus:
The exam syllabus for the RDN certification may cover the following topics:

1. Nutrition Sciences and Biochemistry
2. Medical Nutrition Therapy and Clinical Assessment
3. Foodservice Management and Menu Planning
4. Community and Public Health Nutrition
5. Research Methods and Evidence-Based Practice

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Medical Dietitian dumps


How to drink more water: 10 tips to help you stay hydrated

Well, this isn't good: A large percentage of Americans don't drink enough water, and dehydration is especially common as people age. In fact, up to 28% of older Americans aren't meeting their hydration needs. The Centers for Disease Control and Prevention reports that water intake is "significantly lower" in older adults. Dehydration can lead to a range of health issues, registered dietitian Scott Keatley, co-owner of Keatley Medical Nutrition Therapy, tells us. "Water is the medium in which most of their metabolic processes take place," he says. "We have body systems to protect us from deadly dehydration, but a decrease in body fluid by only 2% decreases athletic performance, cardiovascular function and the body’s ability to regulate temperature."

No need to "faucet" — these products will have you happily engaged with your daily-water-intake pursuit. (Photo: Canva)

Luckily, dehydration is easily treatable by getting in more fluids. It can be a little tricky to figure out your exact hydration needs, but the U.S. National Academies of Sciences, Engineering, and Medicine recommends aiming for the following goals:

Worth noting: Those recommended numbers include hydration you get from water, other beverages and food.

To make sure you're staying hydrated, Keatley recommends that you "start by having a fair amount of fruits and vegetables, which not only have valuable nutrients but a significant amount of water." Naturally, you'll want to ensure you're drinking plenty of water — and coffee and tea can also help you reach your hydration goals, he says. "If my clients are very active or sweat more than the average person, they discuss increasing intake based on their specific needs," Keatley says.

Doing something as simple as carrying around a water bottle with you (and actually drinking from it throughout the day) can make a big difference, too. Just know this, per Keatley: "You don’t need a two-gallon jug to meet your needs." Instead, he suggests getting a bottle that can hold up to a liter or so of liquid. "Filled up twice, [it] will help you meet your hydration needs for the day and is small enough to be used if you go on long walks or hit the gym," he says.

Bottles with motivational time markers can also help you stay on schedule, Keatley says, adding, "Sometimes it’s nice to have a reminder to take a little bit of time and have a beverage." Keep in mind, though, that you don't need to go overboard with your hydration. "There is a point at which you’re not benefiting yourself by chugging water," Keatley says. His recommendation: Set a daily goal and "see how that works for you."

If you feel like you're not doing your best at hydrating regularly right now, take steps to fix it. Luckily, it's possible to turn dehydration around, and pretty quickly. These items can help ensure you're drinking enough during the day.


The massively popular 18-ounce Yeti Rambler keeps drinks cold for hours, thanks to a double-walled vacuum. It also features a "chug cap" for quick and easy drinking, and it fits in most cupholders. The stainless steel exterior is durable and won't dent in case you accidentally drop it.

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Want to create your own delicious sports drink on the go? Amazon's bestselling electrolyte mix is easy to use: Just dump a packet into your water bottle and enjoy. Choose from a slew of delicious flavors, including lemon-lime and acai berry.

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Not really a water drinker? This glass pitcher has a special infuser and lid so you can add your favorite flavors to your H2O. Try strawberries and mint, cucumber or almost anything you can dream up. It also makes a great non-alcoholic option at dinner parties. Worth noting: It's dishwasher-safe.

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Staying on pace to have enough water during your day can be tough — especially when you're busy. This frosted plastic bottle is BPA-free and features convenient time markers to help keep you on track for optimal hydration during your day.

$15 at Amazon


Want to keep your water bottle handy but don't feel like toting a huge purse? This water bottle holder is made from soft neoprene to insulate your drink. There are also a few zip pockets to hold your essentials. The adjustable and padded strap helps you to get that just-right fit.

$18 at Amazon


The only downside of toting a standard water bottle is that it takes up space you may not have available. This foldable "bottle" is crafted from flexible BPA-free plastic, making it a great choice if your bag tends to get crowded. It holds up to 23 ounces of water, and you can choose from a slew of pretty color combinations.

$10 at Amazon

Hidrate Spark

Sometimes you need a little extra push to get your hydration up to speed. This smart water bottle uses sensor technology to track your water intake. It syncs up to a hydration tracker app so you can see how well you're meeting your daily goals. It even glows to remind you to drink up.

$54 at Amazon


Sure, you could set a reminder to drink water on your phone, but this cute light straps onto your water bottle and uses smart detection sensors to remind you to drink water at least once an hour. Choose from a range of inspirational and quirky messages from "Don't be a cactus" to "You got this!"

$25 at Amazon


This Brita filter is massively popular, with nearly 43,000 perfect reviews. The BPA-free pitcher holds up to 10 cups of water, which can fill three 24-ounce water bottles before needing a refill. It's specially designed to fit on refrigerator shelves and has a locking lid that won't fall off when you pour.

$28 at Amazon


You'll need to work a little harder to stay hydrated during the summer months. Tote extra water bottles to the beach or pool with this insulated bag. It holds up to 10 gallons' worth of gear, so you can fill it with plenty of water bottles. Thick thermal foam ensures your stuff will stay nice and cool until you're ready to drink up.

$28 at Amazon

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What a dietitian who follows the DASH diet, which experts say is healthier than Mediterranean diet, eats in a day

Yogurt with healthy toppings is a great DASH diet breakfast.Arx0nt/ Getty

  • The DASH diet is better than the Mediterranean diet for heart health, according to experts.

  • Registered dietitian Rosanne Rust has been following the diet for eight years.

  • She told Insider what she likes to eat for breakfast, lunch, dinner, and dessert on the DASH diet.

  • A dietitian who follows the DASH diet, which experts say is even healthier than the hugely popular Mediterranean diet, has shared what she eats in a day.

    The Dietary Approaches to Stopping Hypertension diet is usually recommended for people who have high blood pressure — and so reduces the risk of heart attacks and stroke — but can also be followed as a generally healthy diet.

    The DASH diet includes lots of vegetables, fruit, legumes, whole grains, low-fat dairy products, nuts, and skinless fish and poultry, according to the American Heart Association. It also focuses on reducing salt, saturated fat, as well as red meat, alcohol, and added sugars.

    It's often compared to the Mediterranean diet, with the AHA naming it as even better for heart health earlier this year. While the Mediterranean diet allows for alcohol in moderation the DASH diet aims to keep it to a minimum. The DASH diet also addresses added salt.

    But Dr. Amit Khera, a professor of medicine and director of the preventive cardiology program at UT Southwestern Medical Center in Dallas who has helped draw up AHA guidelines, told the organization in 2019 that the DASH diet and the Mediterranean diet are more alike than they are different.

    Rosanne Rust, a registered dietitian who specializes in heart health and who's been following the DASH diet for eight years, told Insider about what she tends to eat on a daily basis.

    Breakfast: Yogurt with toppings

    Yogurt with healthy toppings is a great DASH diet breakfast.Arx0nt/ Getty

    For breakfast, Rust eats nonfat yogurt with berries, such as blueberries or raspberries, and tops them with some chia seeds or a little seeded granola.

    She said an easy way to make your diet "more DASH" is to try and add fruit or vegetables to any meal. A breakfast like this is better than just a slice of toast, because it contains a serving of dairy as well as nutrients and fiber from the fruit. Blueberries are great, because they are full of antioxidants, she said.

    Lunch: Flatbread with salad and tuna

    Tuna and salad pita sandwich.Jupiterimages/ Getty

    Rust likes to fill a flatbread, such as pita or naan, with hummus, lots of chopped vegetables, and sometimes tuna for lunch.

    When buying bread, she checks the nutrition label and picks one with low levels of sodium (or salt) so she's not eating too much. The AHA recommends that adults eat no more than 2,300 millligrams of sodium a day, and ideally less than 1,500 milligrams, to protect heart health.

    The AHA also recommends eating two portions of fish per week as it is thought to benefit cardiovascular health and lower the risk of stroke.

    Insider previously reported that Skipjack canned tuna, which is used in many light tuna products, is a smarter choice than other canned tunas because it contains lower levels of mercury, according to the FDA.

    Dinner: Vegetable stew

    Rust often has vegetable stew for dinner.rudisill/ Getty

    For dinner, Rust likes to have a stew with lots of vegetables, such as tomatoes, chickpeas, carrots, and celery. She sometimes adds ground turkey for protein, or makes a ratatouille instead of a stew.

    Cooking your vegetables can actually increase their benefits: cooked tomatoes release more lycopene, an antioxidant that helps protect against cell damage, than raw tomatoes, for example.

    Dessert: Homemade oatmeal crisp

    Oatmeal crisp with cooked apples.Anne DEL SOCORRO/ Getty

    Rust likes to make her own desserts at home so that she can control the amount of sugar in them, for example by only using two tablespoons if a recipe calls for a cup. She also likes to incorporate fruit into her dessert, again to maximize the amount of fruit and vegetables in her diet.

    She makes oatmeal crisp, which is cooked fruit baked with sweet, crumbly oats on top, which provide protein and fiber, with fresh apples or pears.

    Read the original article on Insider

    Dietitian Education Program (Coordinated Program in Dietetics)

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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