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Spanish SMEs will continue to invest in their digitization in 2023

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Despite the fact that Spanish SMEs are increasingly aware of the importance of investing in technology to be more efficient and competitive, their IT investment in 2023 will not be as optimal as would be desirable.

54.6% of Spanish SMEs has defined a digital strategy and 78.6% are applying it. In fact, 30% point out that they are quite or very affected by technological changes and 47.4% point out that they have already taken steps to go digital.

According to these data from the I Hiscox Report on SMEs and the self-employed in Spain, small and medium-sized companies in our country recognize the importance of technology for their businesses and to remain competitive.

However, this is not reflected in the investment that they carry out in their digitization, as well as to keep themselves updated. 50% of Spanish SMEs plan to invest only 10%, or less, of their annual budget for digitization in 2023.

23.4% of SMEs that have not invested in digitization will do so from 2023

Despite this low investment in IT, the report highlights that Spanish SMEs are increasingly aware of the importance of digitization. And it is that 23.4% of SMEs that until now have not invested in their digitization, will start to do so from next year.

Cyber ​​resilience, objective of Spanish SMEs

Another of the positive notes that emerges from the Hiscox report is the forecast that the percentage of SMEs that dedicate between 20% and 50% of the IT budget that they have in their digitization. Specifically, estimates suggest that this investment will grow from 16.5% of its budget this year, to 32.9% next 2023.

For the general director of Hiscox Iberia, David Heras, this 2022 has been a difficult year for many companies and, especially, for the SME segment with the appearance of new risks that have jeopardized the viability of these companies. However, these companies continue to bet on technology to adapt to changes and remain cyber-resilient.

“Despite the fact that there is still a lot of work to be done, it is encouraging to know that Spanish companies are betting more and more on their digitization and on being competitive in an increasingly demanding and challenging market.”

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10 million euros in the Eurojackpot

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Lotto24 AG is the leading German Provider of state lotteries on the Internet (Lotto24.de). Lotto24 brokers customers’ lottery tickets to the state lottery companies and the German television lottery. The offer includes Lotto 6aus49, Spiel 77, Super 6, EuroJackpot, GlücksSpirale, lotteries, keno and the German television lottery. In November 2016, Lotto24 was recognized by Focus Money / Deutschland Test as a Best Online Lotto Provider Awarded.

Is Lotto24 a reputable provider?

Yes. In addition to the company headquarters in Hamburg and a Trusted Shops certification with over 10,000 customer reviews, awards and test reports confirm the seriousness of the offer. In addition, Lotto24, as a public limited company traded on the Frankfurt Stock Exchange, is subject to extensive transparency obligations under capital market law in addition to strict gambling regulations.

Is it legal to play the lottery online at Lotto24?

Yes, of course. Lotto24 has the necessary permits from the responsible supervisory authorities in Germany. You can play the original lottery products LOTTO 6aus49, EuroJackpot, GlücksSpirale, Deutsche Fernsehlotterie and KENO online completely legally via the online platform Lotto24.de.

Is my data safe with Lotto24?

Your data is stored on servers in Germany. This is also confirmed by the TÜV Saarland with the seal award “Certified data protection”.

Is Lotto24 an official and licensed provider?

Yes. Lotto24 is the official partner of the German Lottery and Totoblock (DLTB) and hands over its customers’ lottery tickets to the state organizers in Germany. At Lotto24 you play the original.

Does Lotto24 have a payout guarantee?

Lotto24 brokers your lottery tickets to the state organizers in Germany. The payment of lottery winnings is therefore secured by the state. Especially with very high jackpots you can rely on a secure brokerage and the state organizers.

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Important for autumn and winter: These things should not be missing in any car

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Drivers should always have a spare canister of antifreeze for the windshield washer system with them. The canisters are available in several versions. 5 liter products are much cheaper, but take up a lot of space in the car.

If you have a small vehicle, you can also use 1-litre products. These are of course a bit more expensive. There are always offers in hardware stores or in online shops (e.g at Amazon).

You should definitely use antifreeze. Conventional products (usually green color) or plain water freeze quickly and are therefore not a good alternative in autumn and winter.

Where to store? Ideally, pack the antifreeze in the garage or in the trunk. Ideally, wrap the product in plastic wrap and seal the lid tightly.

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The best period panties: Comfortable, sustainable, saves tampons and pads

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When used correctly, period underwear gives a dry and clean feeling even with heavy menstrual bleeding. The reason for this is the insert consisting of several layers of fabric that is used in this underwear. The first layer is responsible for ensuring that the blood is absorbed quickly and there is no damp feeling. The second to fourth layer has an absorbent and antibacterial effect. Responsible for this are biocides, which not only prevent unpleasant odors, but also the growth of bacteria.

Depending on the model, the amount of blood absorbed corresponds to up to three tampons. How absorbent the period underwear is is usually stated on the packaging.

How to properly care for period underwear

Period underwear is often black. The unsightly blood stains are not immediately visible. And after use, cleaning involves a little effort, but is not complicated: you should first rinse out the blood residue with cold water in the hand basin. After this pre-cleaning, you can wash the panties in the washing machine at 30°C to 60°C as usual.

To ensure that the insert remains absorbent over a long period of time and is not damaged, you should note two things: fabric softener is taboo and period panties are not ironed.

Most manufacturers indicate a period of use of up to two years for their underwear. If you calculate how many tampons or pads you would have to buy during this time and throw away after use, it quickly becomes apparent that period underwear often proves to be a sustainable and, in the long run, inexpensive alternative.

Heavy periods: you can do that

If your bleeding is heavier in the first few days, or if you bleed heavily during your menstrual period, that should not be a reason not to wear menstrual panties. You can change your laundry more frequently, use additional tampons or pads, or try a menstrual cup. This combination saves the most money in the long term and avoids a large part of the waste that would otherwise arise.
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