In all the hype over cybercrime and our rush to spend millions to prevent it, many people and businesses are failing to educate themselves on the basics. Just how easy is cybercrime? What is the payoff? And what are the real costs to consumers? Those are questions that somehow seem to get lost in the hustle of preventing it from happening. To understand more about what cybercrime is all about, take a look at “The real cost of cyber crime” written by Benjamin Dean, a Fellow at the School of International and Public Affairs at Columbia University, to understand why some of the best solutions may be the simplest. He suggests that basic encryption of sensitive data and two-factor authentication (a system that confirms the identity of a user by sending a code to another device that the account holder will have immediate access to, such as a phone) might be some of the most efficient solutions.