The PRWIRE Press Releases http:// 2017-03-21T20:30:00Z MEDIA RELEASE: Moneytree Completes a JPY 1 Billion Funding Series B Funding Round 2017-03-21T20:30:00Z media-release-moneytree-completes-a-jpy-1-billion-funding-series-b-funding-round-2 MEDIA RELEASE 22 March 2017 Moneytree Completes a JPY 1 Billion Funding Series B Funding Round: SBI Investment and major regional banks join mega bank-affiliated venture  capital firms and a leading UK asset management company as investors Moneytree KK (Shibuya, Tokyo) has completed a Series B funding round that will drive its further expansion in the rapidly developing global fintech industry, including entering the Australian market within the coming months. The development paves the way for unprecedented connectivity across the financial services sector with Moneytree providing tools and services that enable individuals and businesses to aggregate and control all their financial data in a single place.  Moneytree will use the funding to add functionality to its popular personal finance management app, as well as to invest in deepening the capabilities of its Moneytree LINK platform (https://link.moneytree.jp) that connects financial institutions and customers through a permission-based data-sharing platform.  Moneytree CEO Paul Chapman said: “We are accelerating Moneytree’s growth to deliver seamless access to Japan’s financial services. In coming months, we will expand beyond the Japanese market and become a regional player, working for positive change, and cementing a position as the most trusted financial data portability platform.” Funds were raised from SBI Investment Co., Ltd., Fukuoka Technology Partners Co., Ltd., Hiroshima Venture Capital Co., Ltd., Senshu Ikeda Capital Company Ltd., and noted British asset management company Baillie Gifford & Co., as well as reinvestment from Series A round investors Mizuho Capital Co., Ltd., SMBC Venture Capital Co., Ltd., and salesforce.com, inc. The total amount raised exceeds JPY 1 billion. SBI Investment Co., Ltd. led the round.  The participation of British asset management company Baillie Gifford & Co. signals a significant step forward in Moneytree’s plans for overseas expansion.  Moneytree LINK has secured over twenty customer and partner companies since 2015. Japanese ‘mega banks’ Mizuho Bank Ltd and Sumitomo Mitsui Banking Corporation have adopted Moneytree LINK, with leading regional bank Senshu Ikeda also on the platform.  Moneytree LINK powers solutions from ten accounting software providers, making it the number one platform in the Japanese accounting industry. Moneytree will increase headcount across the organisation, including Development, Platform, Sales, Marketing and back office.  Mr. Chapman added: “As the fintech market expands rapidly, Moneytree remains focused on our core values of security, privacy, and transparency. As a platform, we will continue to maintain neutrality with regards to partner type, vertical, and even size.” -ends- About Moneytree Moneytree KK was founded in 2012 in Japan with the mission of bringing consumers, small businesses, and banks closer together. The Moneytree mobile app, introduced in 2013, allows users to automatically manage their bank accounts, credit cards, electronic money, mileage, points, and securities all together in one place on mobile and desktop. The app was awarded Apple’s App Store “Best of” in 2013 and 2014.  In 2015, Moneytree launched Moneytree LINK, a service that connects financial institutions and customers through a permission-based data sharing platform. It is aimed at creating value in the fields of accounting, finance, real estate rent management, automobile maintenance, expense settlements, invoice issuance, and asset management.  That same year, Moneytree received an unprecedented round of simultaneous investment by the venture capital arms of all three Japanese mega banks. Moneytree was also chosen by IBM as its first official Fintech API partner, and selected for MasterCard’s Start Path accelerator program.  Please address media inquiries to: AUSTRALIA Eric Robledo Honner TEL: +61 02 8248 3739 E-mail: eric@honner.com.au     JAPAN Kaori Kitakata Moneytree KK Communications Officer TEL: +81 03-4588-0621  E-mail: press@moneytree.jp URL: https://moneytree.jp MEDIA RELEASE 22 March 2017 Moneytree Completes a JPY 1 Billion Funding Series B Funding Round: SBI Investment and major regional banks join mega bank-affiliated venture  capital firms and a leading UK asset management company as investors Moneytree KK (Shibuya, Tokyo) has completed a Series B funding round that will drive its further expansion in the rapidly developing global fintech industry, including entering the Australian market within the coming months. The development paves the way for unprecedented connectivity across the financial services sector with Moneytree providing tools and services that enable individuals and businesses to aggregate and control all their financial data in a single place.  Moneytree will use the funding to add functionality to its popular personal finance management app, as well as to invest in deepening the capabilities of its Moneytree LINK platform (https://link.moneytree.jp) that connects financial institutions and customers through a permission-based data-sharing platform.  Moneytree CEO Paul Chapman said: “We are accelerating Moneytree’s growth to deliver seamless access to Japan’s financial services. In coming months, we will expand beyond the Japanese market and become a regional player, working for positive change, and cementing a position as the most trusted financial data portability platform.” Funds were raised from SBI Investment Co., Ltd., Fukuoka Technology Partners Co., Ltd., Hiroshima Venture Capital Co., Ltd., Senshu Ikeda Capital Company Ltd., and noted British asset management company Baillie Gifford & Co., as well as reinvestment from Series A round investors Mizuho Capital Co., Ltd., SMBC Venture Capital Co., Ltd., and salesforce.com, inc. The total amount raised exceeds JPY 1 billion. SBI Investment Co., Ltd. led the round.  The participation of British asset management company Baillie Gifford & Co. signals a significant step forward in Moneytree’s plans for overseas expansion.  Moneytree LINK has secured over twenty customer and partner companies since 2015. Japanese ‘mega banks’ Mizuho Bank Ltd and Sumitomo Mitsui Banking Corporation have adopted Moneytree LINK, with leading regional bank Senshu Ikeda also on the platform.  Moneytree LINK powers solutions from ten accounting software providers, making it the number one platform in the Japanese accounting industry. Moneytree will increase headcount across the organisation, including Development, Platform, Sales, Marketing and back office.  Mr. Chapman added: “As the fintech market expands rapidly, Moneytree remains focused on our core values of security, privacy, and transparency. As a platform, we will continue to maintain neutrality with regards to partner type, vertical, and even size.” -ends- About Moneytree Moneytree KK was founded in 2012 in Japan with the mission of bringing consumers, small businesses, and banks closer together. The Moneytree mobile app, introduced in 2013, allows users to automatically manage their bank accounts, credit cards, electronic money, mileage, points, and securities all together in one place on mobile and desktop. The app was awarded Apple’s App Store “Best of” in 2013 and 2014.  In 2015, Moneytree launched Moneytree LINK, a service that connects financial institutions and customers through a permission-based data sharing platform. It is aimed at creating value in the fields of accounting, finance, real estate rent management, automobile maintenance, expense settlements, invoice issuance, and asset management.  That same year, Moneytree received an unprecedented round of simultaneous investment by the venture capital arms of all three Japanese mega banks. Moneytree was also chosen by IBM as its first official Fintech API partner, and selected for MasterCard’s Start Path accelerator program.  Please address media inquiries to: AUSTRALIA Eric Robledo Honner TEL: +61 02 8248 3739 E-mail: eric@honner.com.au     JAPAN Kaori Kitakata Moneytree KK Communications Officer TEL: +81 03-4588-0621  E-mail: press@moneytree.jp URL: https://moneytree.jp   8common expands Federal Government presence with new Expense8 customer Department of the Prime Minister and Cabinet 2016-09-27T04:30:00Z 8common-expands-federal-government-presence-with-new-expense8-customer-department-of-the-prime-minister-and-cabinet Federal Treasury relationship yields new Expense8 customer – Department of the Prime Minister and Cabinet Total Contract Value for this customer contract is projected to be $395,000 for the 3 year period Latest milestone consolidates 8common’s position among the leading players in the Travel Expense Management space Sydney, Australia – 27 September 2016: Software technology group 8common Limited (ASX: 8CO), today announced it has received final sign off from the Department of the Prime Minister and Cabinet (PMC) to roll out its Expense8 travel and expense management enterprise software as a service (SaaS) solution. This win leveraged 8common’s relationship with the Federal Department of Treasury.   The initial contract is for a period of three years with provisions for extension for another two years. The PMC win will add to 8common’s committed Annual Recurring Revenue (ARR) and additional monthly transaction revenues with the pre-trip approval travel and receipt matching modules.   “We are very pleased with the positive feedback we have been receiving from the government sector regarding Expense8, 8common’s integrated travel and expense management SaaS solution,” said Nick Gonios, CEO of 8common Limited. “We look forward to working with the Department of the Prime Minister and Cabinet to drive greater process and cost efficiencies.”   The Department of the Prime Minister and Cabinet welcomes the implementation of Expense8 and is working closely with 8common. This milestone represents a key step toward their new travel and expense management operating model.   Expense8 is a leading travel and expense management product with an integrated software solution that streamlines the accounting, reporting, tax compliance (GST, FBT) and governance of employee generated expenses and corporate travel bookings. Tailored for each client, Expense8 provides organisations with all the tools needed for employees to plan and book business trips; and reconcile travel and corporate expenses.   Expense8 government customers include Federal Department of Finance, NSW Department of Education, NSW Police, whole of Northern Territory Government, and Transport for NSW.  About 8common Limited and Expense8 The 8common Group (www.8common.com) is listed on the Australian Securities Exchange (ASX:8CO). It is an enterprise software company delivering performance and productivity products to government agencies, large corporates and multinationals globally. Expense8 is a leading travel and expense management (TEM) product with an integrated software solution that streamlines the accounting, reporting, tax compliance (GST, FBT) and governance of employee generated expenses and corporate travel bookings.  MEDIA CONTACTS: Corrie McLeod/Amy Rathbone Espresso Communications 02 8016 22008common@espressocomms.com.au Transport for NSW migrates to Expense8 SaaS-based expense management platform 2016-07-25T00:14:33Z transport-for-nsw-migrates-to-expense8-saas-based-expense-management-platform Long-term customer Transport for NSW adopts Expense8 SaaS solution Three year contract will yield a minimum 23% ARR increase for this customer Sydney, Australia – 25 July 2016 – Software technology group 8common Limited (ASX: 8CO), today announced it has received final sign off from long-term customer Transport for NSW to migrate to the Expense8 expense management platform on a Software as a Service (SaaS) basis and has subsequently gone live.   Expense8 replaces the previous iCMS product that Transport for NSW, together with Sydney Trains, NSW Trains, and RMS, has been a customer of for 16 years. The three year contract will provide a positive impact to this financial year and beyond with a minimum Annual Recurring Revenue (ARR) increase of 23% for the customer contract.   Nick Gonios, CEO of 8common Limited, said “We are pleased to announce another longstanding iCMS customer has committed to an Expense8 migration in the cloud. It provides further evidence that our continued investment into product development is delivering value to both existing and new customers.”   Donna Rodrom, Transport for NSW’s Principal Manager Accounts Payable, said “Expense8’s cloud-based expense management solution provides a simple path to streamlining our procurement-card processes across Transports’ agency cluster enabling us to focus on gaining better visibility on procurement-card spend together with greater process and cost efficiencies.”   Expense8 is an integrated software solution that streamlines the accounting, reporting, tax compliance (GST, FBT) and governance of employee generated expenses and corporate travel bookings. Tailored for each client, Expense8 provides organisations with all the tools needed for employees to plan and book business trips; and reconcile travel and corporate expenses.   Expense8 government customers include Federal Treasury, Federal Department of Finance, NSW Department of Education, NSW Police and the Northern Territory Government.  About 8common Limited and Expense8 The 8common Group (www.8common.com) is listed on the Australian Securities Exchange (ASX:8CO). 8common Group develops enterprise Performance and Productivity software products that support government agencies, large corporations, multinational organisations and specialist professional verticals. 8common comprises of three core products: Expense8, Perform8 and Realtors8.   Expense8 is an integrated software solution that streamlines the accounting, reporting, tax compliance (GST, FBT) and governance of employee generated expenses and corporate travel bookings.  MEDIA CONTACTS: Corrie McLeod/Amy Rathbone Espresso Communications 02 8016 22008common@espressocomms.com.au A MODERN WORLD OF TOO MUCH CHOICE FOR 90% OF AUSSIES 2016-07-17T19:00:07Z a-modern-world-of-too-much-choice-for-90-of-aussies A new study has found almost 90 per cent of Aussies say they find making decisions increasingly difficult, due to more choice and less time, often resulting in ‘buyer’s remorse’. The ‘Decision Drivers Report by Choosi’ is the first in its series and aims to uncover generational shifts, barriers and drivers of our behavior in the modern world. The research uncovered Australians are more likely to seek advice from sources online than in person. In fact, the data shows we spend on average 50 minutes online seeking advice compared to 41 minutes receiving advice face to face. Further data shows we may be turning to online sources as a result of our increasingly busy lifestyles with more than half of Australians (51%) saying they have less time to make decisions nowadays. Senior Sales Manager and Choosi spokesperson Katrina Foster said, “Our research revealed an incredible amount about what is influencing not only how we spend our money, but who we trust to help us make the right choices,” she said. Advice from mum and dad fares the worst with the research showing they usually rank last as a decision making resource, while peers are usually chosen over family members as a source of information to make decisions (33% vs. 24%). “What is also interesting is how we rate ourselves as decision makers. While Baby Boomers strongly see themselves as the best decision makers compared to other age groups (86.1%), other generations do not agree. In fact they see Gen X as the best decision makers when it comes to purchasing both big and small ticket items,” said Mrs Foster. Despite the plethora of information available today, the research indicates the amount of choice we have access to may be making it harder to make decisions when it comes to purchasing in particular. “It is promising to see that less than 1 in 10 Australians feel out of control with regards to their finances with more than half (51.5%) putting a budget in place to purchase large ticket items. Whilst 54% of people would either put a budget in place (29.2%) or walk away (24.8%) from making a small purchase if they didn’t have the savings available,” said Mrs Foster. However, the data revealed that 50% of Australians are less rational with their spending and more frivolous when they are on holidays, whereas almost a third (32%) make more impulsive purchasing decisions whilst food shopping when they are hungry. Furthermore, the data revealed Australians are also less cautious with their spending when spoiling their children (24%) and shopping online (21%). Whilst it is clear emotions have a strong impact on our decision making, almost half of Australians (41%) admit that buying with our hearts instead of our heads is a key factor contributing to buyer’s remorse. One in three Australians (29%) say they have made a large purchasing decision that they have come to regret. Whilst another two in three Australians (70%) have bought things that they have never used. Michael Volkov, Consumer Behaviour Researcher from Deakin University said, “While history may tell us that family are our biggest influencers, as we’re spending less time at the dinner table and more time on our devices, we are increasingly placing our trust outside the family home.” “With access to so many websites, blogs, forums and social groups we are often faced with conflicting or too much information, which in turn causes analysis paralysis or worse, buyer’s remorse,” said Mr Volkov. It’s not only the big purchases we struggle with. For example, Choosi’s latest research shows buying a new tech gadget (36%) and even deciding on what to eat for dinner (28%) are more challenging than deciding where to live (22%). Choosing the right insurance however, tends to be the biggest struggle for most Australians according to the survey. Whilst we opt for online support to make our decisions most frequently, peer support is still highly valued with about three in five respondents (62.6%) claiming to have been influenced by someone, at least to some extent, when making a recent and important decision. “Online advice is so accessible and connects us to endless amounts of information in an instant, but it’s clear we risk making the wrong choice without the help from a source that we really trust,” said Mrs Foster. Supporting data is available at choosi.com.au https://www.choosi.com.au/blog/aussies-spoilt-for-choice-in-information-overload Media Enquiries Lucinda Bell Account Executive Hill + Knowlton Strategies p: 02 9286 1215 m: 0439 020 024 e: lucinda.bell@hkstrategies.com About Choosi Choosi provides information to help customers compare, choose and apply for a range of insurance products online and over the phone Choosi’s free comparison service lets you compare the benefits and prices of a range of popular insurers, so you can confidently choose cover that suits your needs, your budget and lifestyle. About the ‘Decision Drivers Report by Choosi’ In order to explore the role of decision making in modern Australian society, CoreData surveyed 1,000 typical Australians across the nation in mid-May 2016. The sample collection employed soft quotas to monitor representativeness of the Australian population. Hard quotas by state were also engaged to ensure all the main states were represented with sufficiently robust samples (NSW = 200, VIC = 200, QLD = 200, WA = 200, Remaining states/territories = 200). Plato Global Share Income Fund targets high income 2016-06-06T00:04:49Z plato-global-share-income-fund-targets-high-income ~~6 June 2016: The Plato Global Shares Income Fund (Fund) has distributed 4 per cent net income to investors in its first 6 months* and outperformed the benchmark by +1 per cent* net active performance since inception. Launched on 30th November 2015, the Fund is believed to be the first global share income fund in Australia that’s designed specifically for retirement income and is well positioned to meet its annual target of 6 per cent net income Managed by Plato Investment Management Limited, a retirement income equities specialist, the Fund is one of four high income equity funds managed specifically for the income needs of retirees in pension phase superannuation. Plato Managing Director, Dr Don Hamson said “We are delighted that we have to date proved our belief that global equities can deliver solid income without compromising returns. “Australian retirees and their advisers can be nervous about investing outside of domestic stocks, but this shouldn’t be the case. Global equities can provide excellent diversification out of Australia’s bank-heavy dividend market, and we believe the Plato Global Shares Income Fund will show that it is possible for global equities to provide strong income as well.  “With Australian interest rates low and the Australian equity market heavily dependent on a handful of stocks for its dividend income, global equities are a great way to balance out the home risk,” he added. To capitalise on the global opportunities, Plato has created two Funds - the Plato Global Shares Income Fund – an unhedged global developed equity income fund - and the Plato Global Shares Income Fund ( Managed Risk) which uses the Milliman Managed Risk Strategy™ to aim to stabilise portfolio volatility, capture growth in up markets, and defend against losses during major downturns.  These funds complement the existing Plato domestic equity income funds - the Plato Australian Shares Income Fund and the Plato Australian Shares Income Fund (Managed Risk). For more information, please contact 1300 010 311 or email distribution@pinnacleinvestment.com.au *All data is as at 31 May 2016.  Benchmark is the MSCI World (ex Australia, Net Returns Unhedged). Returns are quoted for the Fund’s F Class units and are net of fees. Past performance is not a reliable indicator of future performance and investment returns of less than one year should not be relied upon as any guide to future performance. Actual returns may vary from any target returns described in this document. -ENDS- Media Enquiries: Louise Nealon, CallidusPR T: (02) 9283 4114/ 0403 569 177 E: louise@calliduspr.com About Plato Investment Management Limited Plato Investment Management Limited is an investment management firm specialising in objective-based global and Australian equity investment solutions for wholesale and retail investors.  Plato has a particular focus on managing money for retirees who have distinctive tax and income requirements.  Majority owned and operated by its investment staff, Plato is supported by its minority equity partner, Pinnacle Investment Management Limited, a leading multi-affiliate investment management firm. For more information please visit www.plato.com.au Interests in the Plato Global Shares Income Fund (ARSN 608 130 838), Plato Global Shares Income Fund (Managed Risk) (ARSN 610 438 269), Plato Australian Shares Income Fund (Managed Risk) (ARSN 126 577 820) and Plato Australian Shares Income Fund (ARSN 152 590 157) (‘Plato Funds’) are issued by Pinnacle Fund Services Limited, ABN 29 082 494 362 AFSL 238371, the Responsible Entity of the Plato Funds. The Responsible Entity is not licensed to provide financial product advice. A copy of the most recent Product Disclosure Statement (‘PDS’) for the Plato Funds can be located at www.plato.com.au/retail-funds.  You should consider the relevant PDS and consult your financial adviser before making an investment decision. Plato Investment Management Limited (ABN 77 120 730 136, Corporate Authorised Representative No. 304964) (‘Plato’) is the investment manager of the Fund. Pinnacle Fund Services Limited and Plato believe the information contained in this communication is reliable, however its accuracy, reliability or completeness is not guaranteed. Any opinions or forecasts reflect the judgment and assumptions of Plato and its representatives on the basis of information at the date of publication and may later change without notice. The information is not intended as a securities recommendation or statement of opinion intended to influence a person or persons in making a decision in relation to investment. This communication is for general information only. It has been prepared without taking account of any person’s objectives, financial situation or needs. Any persons relying on this information should obtain professional advice relevant to their particular circumstances, needs and investment objectives.   Federal Treasury migrates to Expense8 SaaS based travel and expense management platform 2016-05-30T04:19:01Z federal-treasury-migrates-to-expense8-saas-based-travel-and-expense-management-platform Long-term customer Department of Treasury adopts Expense8 SaaS solution First Federal government agency to adopt Expense8’s integrated travel & expense management solution Three year contract will yield a minimum 36% ARR increase for this customer excluding the new pre trip approval process revenues   Sydney, Australia – 30 May 2016: Software technology group 8common Limited (ASX: 8CO), today announced it has received final sign off from long term existing customer the Federal Department of Treasury (‘Treasury’) to migrate to the Expense8 travel and Expense8 management platform on a Software as a Service (SaaS) basis.   Expense8 replaces the previous iCMS product of which the Treasury has been a customer for five years. The three year contract will provide a positive impact to the next financial year and beyond with additional features to be used by Treasury to enhance employee productivity and performance.   In addition, this agreement provides a platform for Treasury and 8common to collaborate and onboard more Federal Government agencies onto Expense8 under the Federal Government’s shared services initiative.   Nick Gonios, CEO of 8common Limited, said “This new milestone both extends and transforms 8common’s presence across Australian Federal Government.  It enables Treasury to drive greater process and cost efficiencies with their pre-trip approval (travel) and expense management needs together with having a unique shared service offering in partnership with 8common.”   Expense8 is an integrated software solution that streamlines the accounting, reporting, tax compliance (GST, FBT) and governance of employee generated expenses and corporate travel bookings. Tailored for each client, Expense8 provides organisations with all the tools needed for employees to plan and book business trips; and reconcile travel and corporate expenses.   Expense8 government customers include Federal Department of Finance, NSW Department of Education, NSW Police, whole of Northern Territory Government, and Transport NSW.  About 8common Limited and Expense8 The 8common Group (www.8common.com) is listed on the Australian Securities Exchange (ASX:8CO). 8common Group develops enterprise Performance and Productivity software products that support government agencies, large corporations, multinational organisations and specialist professional verticals. 8common comprises of three core products: Expense8, Perform8 and Realtors8.   Expense8 is an integrated software solution that streamlines the accounting, reporting, tax compliance (GST, FBT) and governance of employee generated expenses and corporate travel bookings.  MEDIA CONTACTS: Corrie McLeod/Amy Rathbone Espresso Communications 02 8016 22008common@espressocomms.com.au Expense8 helps NSW Department of Education to streamline employee expenses 2016-05-10T22:47:08Z expense8-helps-nsw-department-of-education-to-streamline-employee-expenses Sydney, Australia – 11 May 2016: Software technology group 8common Limited (ASX: 8CO), today announced it has kicked off the second stage roll-out of Expense8 on a Software as a Service (SaaS) basis to support the New South Wales Department of Education (DoE) Purchasing Card Solution.   The second-stage delivery will focus on onboarding card holders, driving usage and ensuring an orderly and timely roll-out. The first-stage delivery of the expense management solution went live in March, offering automated processes and excellent user functionality to DoE card holders.   Expense8 is on track to supply the expense management solution for around 5,000 card holders by the end of this year with further expansion expected in 2017 at the DoE corporate offices and across NSW public schools.   The contract with DoE was won by Expense8 following a public tender process, and is for an initial three years with provision for a two-year extension.   “Since the go-live in March, we have reduced the complexity and time required to manage card acquittal processes and card holder information and spend data that was previously managed manually. The solution is straightforward to use and navigate, which will make the onboarding of card holders much easier,” said Barbara Soiland, Director, Shared Services Business Services, DoE.   Besides DoE, Expense8 is working with many other government clients including the Federal Treasury, NSW Police Force, Australian Electoral Commission, Northern Territory Government, and Transport for NSW. Its solid expertise and deep experience in this sector place Expense8 in a good position to service one of its largest government clients to date.   “We are pleased with how the first-stage implementation went and it’s a great start to our partnership. We will continue to make sure that all hands are on deck as we prepare and work through the second stage go-live,” said Nick Gonios, CEO, 8common.   The NSW DoE is one of the largest single organisations, public or private, in Australia. The DoE delivers high quality, internationally competitive public education with a recurrent budget of $12.8 billion.   Expense8 is an integrated software solution that streamlines the accounting, reporting, tax compliance and governance of employee generated expenses and corporate travel bookings. Tailored for each client, Expense8 provides organisations with all the tools needed for employees to plan and book business trips, and reconcile travel and corporate expenses.  About 8common Limited and Expense8 The 8common Group (www.8common.com) is listed on the Australian Securities Exchange (ASX:8CO). 8common Group develops enterprise Performance and Productivity software products that support government agencies, large corporations, multinational organisations and specialist professional verticals. 8common comprises of three core products: Expense8, Perform8 and Realtors8.   Expense8 is an integrated software solution that streamlines the accounting, reporting, tax compliance (GST, FBT) and governance of employee generated expenses and corporate travel bookings. Perform8 is a survey and action planning solution that helps organisations leverage employee happiness to increase productivity and drive positive change. Realtors8 provides agents and brokers in North America and Asia with a web-based content management system that integrates multi-listing services systems (MLS) with unique property portfolio websites.  MEDIA CONTACTS: Corrie McLeod/Amy Rathbone Espresso Communications 02 8016 2200corrie@espressocomms.com.au House and Land Packages in These Perth Suburbs are Selling Fast 2016-03-24T03:14:47Z house-and-land-packages-in-these-perth-suburbs-are-selling-fast Perth, WA, 24 March 2016 - 4Land Property Group develops successful land estates in desirable Perth suburbs. From the beginning, their mission has been reflected in their motto: “Land you can afford in places you’d love to live.” They have eight successful land estates in Perth suburbs and one in Geraldton. They choose their locations using a variety of factors. While their algorithm isn’t available to the public, they have freely publicised the end result: a number of land estates that are in Perth suburbs which are earmarked for present and future capital growth due to their ample infrastructure as well as reasonable proximity and easy access to the Perth CBD. Currently, two of their communities are experiencing high demand, with one close to being sold out. Here is a description of the homes and homesites currently available in those two communities.Bellini MewsBellini Mews is located in Pearsall. As of this writing, two turnkey, finished homes are available from $459,000. Both homes are shining examples of contemporary style, with open floor plans. Each has a separate home theatre room. Both homes are designed to maximise space within a modern style that provides the illusion of even more space. Each home has a gourmet kitchen, dining area and living area that are seamlessly connected to an alfresco living area. Once these homes are gone, Bellini Mews will be sold out.Pafumi RisePafumi Rise is located in Landsdale, just north of the City of Wanneroo. The entire community is elevated, providing stunning views of Landsdale and the Darling Ranges. This land estate is one of the first in an area that is developing rapidly, positioning it for capital growth. Pafumi Rise consists of 58 elevated land blocks, within easy reach of the Kingsway City Shopping Centre, Whiteman Park, Kingsway Regional Sporting Complex, great schools and easy transport. Stage 1 of Pafumi Rise only has two blocks left and Stage 2 is selling fast. The two blocks in Stage 1 are now being offered at a discount. Lot 412 provides 451 sqm and is available for $340,000. Lot 414 is a 517 sqm block and is available for $359,000.The blocks in Stage 2 are between 505 sqm and 529 sqm. They are priced from $369,000-$393,000. Titles are now available for Stage 2 and nearly half of the blocks are already sold. Why These Communities are in Such High DemandMadeleine McErlain is the Marketing Manager for 4Land Property Group. According to Ms McErlain:“The secret to our success isn’t really a secret. We outwork everyone to identify and develop the best locations in the Perth metro area. Then, we offer the land at great prices. We are successful because we provide great value.”4Land Property Group offers house and land packages in Perth suburbs that are poised for both short-term and long-term capital growth. They provide affordable home sites in communities that are highly “in demand” due to their locations and the lifestyles those locations provide. To learn more about Pafumi Rise, Bellini Mews or any of their land estates in the Perth area, call Paul Skuse on 0413 686 100 or visit their website: http://www.4land.com.au/. Melbourne Property Investment Advisors 2016-03-22T21:05:23Z melbourne-property-investment-advisors Sell Your Real Estate Launch new service. The new service will help property investors  bridge the gap for those who need assistance when buying in the Melbourne property market. The service is combination of specialist who come together under one umbrella. Align property to your financial needs Property research ,location ,growth areas and diversification Property assessment – This is a physical inspection of the quality of the Building Property Discounts – listing of properties that are been discounted via distress sale or other reasons. Work with your accountant so a complete financial picture is created We only cover the property side of investing ,most of the time we recommend using a financial planner Help organising finance if needed. Property Negotiating Property Valuation Negative Gearing Positive gearing Specialist on hand in different fields Melbourne Property Investment Advisors Contact 0419 899 674 Prestigious Land Estate in Sinagra Offers Reduced Prices Until 31st March 2016-03-22T04:55:39Z prestigious-land-estate-in-sinagra-offers-reduced-prices-until-31st-march Perth, WA, 22 March 2016 - 4Land Property Group is an extremely successful developer of land estates in Perth suburbs. Their motto is, “Land you can afford in places you’d love to live.” One of their newest communities is already becoming one of the most “in demand” land estates in the Perth area. The estate is called Lago Vista and is located in Sinagra. Sinagra is a suburb which is located within the City of Wanneroo, 25 km north of the Perth CBD. Lago Vista is a prime location situated within a larger prime location. It is surrounded by high quality homes and is located near beautifully landscaped parks. Lago Vista has it all: reasonably-priced land and proximity to infrastructure with easy access to the Perth CBD and the Indian Ocean. And now, 4Land Property Group has made it even better by offering a $10,000 discount on all of the land blocks in Lago Vista. Lago Vista, Sinagra: What They OfferThe land blocks in Lago Vista are now priced from $219,000-$229,000. The blocks are from 263 sqm-304 sqm with frontages from 12m-13m. To make this offer even more generous, 4Land Property Group are including a $2,000 landscaping voucher and side and rear Colorbond fencing. All of these blocks are classified as “Class A” for homebuilding and all of the blocks are flat. This combination reduces your building expenses considerably. The blocks are NBN ready and zoned R40. Titles will be available in April 2016. Why Lago Vista is Already so PopularMadeleine McErlain is the Marketing Manager for 4Land Property Group. She has been directly involved in much of the growth of their land estates. According to Ms McErlain:“Lago Vista has been extremely popular so far, but we are not surprised. It is yet another in what is becoming an impressive string of successes for 4Land Property Group. It has always been our goal to provide affordable housing in locations that are primed for capital growth. We think Lago Vista and Sinagra fit that description perfectly.”Ms McErlain continued: “Lago Vista is a short walk to landscaped parks for children. It is within close proximity to Caporn Park. All of the blocks in Lago Vista are elevated, offering great views of Lake Joondalup. Lago Vista is an oasis of tranquility in which homeowners can live close to the city, but escape all of the noise and drama when they come home.”Ms McErlain concluded, “Lago Vista is rapidly becoming a special place where retirees, professionals and young families live together in a friendly, thriving community. The lifestyle is so great at Lago Vista that we can see the property values growing significantly in a few years.”4Land Property Group have developed eight successful land estates in the Perth area. They specialise in developing communities in locations that are primed for long term capital growth, while offering house and land packages that are often below the median price for an established home in the same area. To learn more about Lago Vista or any of their land estates in the Perth area, call Paul Skuse on 0413 686 100 or visit their website: http://www.4land.com.au/. Foresters and agribusiness managed investment schemes 2016-03-17T22:12:27Z foresters-and-agribusiness-managed-investment-schemes All members of the Institute of Foresters of Australia are required to abide by a strong code of ethics. The code can be downloaded from here: http://forestry.org.au/ckeditor/ckfinder/userfiles/files/IFA%20Code%20of%20Ethics.pdf The Institute of Foresters of Australia (IFA) has commended the Senate’s Economic Reference Committee for its report on Agribusiness managed investment schemes, tabled on 11 March 2016. Rob de Fégely, National President of the Institute of Foresters, said, ‘The IFA particularly supports Recommendation 12 which suggests that the International Organization of Securities Commission's (IOSCO) statement of principles governing integrity and ethical behaviour should apply and have force in Australia. ‘The Institute of Foresters regularly reviews its code of ethics and, in its 2016 review, will make note of the recommendation from the Senate’s Economic Reference Committee. ‘The Institute of Foresters of Australia is the only professional body for foresters and other forestry professionals and members can undertake a course of professional development leading to recognition as a Registered Professional Forester (RPF). ‘For too long, organisations and journalists have been touting individuals as “forestry professionals” when they are not Registered Professional Foresters and when they are not even members of the IFA. This practice needs to end now. ‘The Institute of Foresters of Australia manages a publically accessible website which includes a list of Registered Professional Foresters and we strongly encourage journalists and members of the public who are seeking forestry related advice to contact individuals from that list’, said Mr de Fégely. Media contact: Rob de Fégely. Tel: 0415 486 201 RFP List: http://forestry.org.au/registered-foresters/find-a-professional-forester Australians Still See Homeownership as the Great Australian Dream 2016-03-17T04:31:36Z australians-still-see-homeownership-as-the-great-australian-dream Rockingham, WA, 17 March 2016 - The Australian economy has had numerous ups and downs over the last 25 years. Upturns, downturns, booms, busts and even a Global Financial Crisis: it can all be confusing for someone who works hard for a living and just wants to buy their first house. Despite all of the financial uncertainty, however, Australians are investing the same percentage of their household wealth in their homes as they did in 1995: just over 50%. 2015: The StatisticsRecently, the CoreLogic Housing Market and Economic Update for February 2016 was released. The study summarised Australian wealth for 2015. According to the study, $6.4 trillion of Australian wealth is invested in residential property. The next closest was superannuation, in which $2.3 trillion is invested. $1.6 trillion is invested in Australian listed stocks and $0.7 trillion in commercial real estate.By household, Australians have 52.1% of their household wealth invested in their homes. Supers come in second at 21%. A Historical ComparisonIn 1995, just over half of Australian household wealth was in residential property. In 2005, just over half of Australian household wealth was in residential property. Now, as 2016 begins, just over half of Australian household wealth is invested in residential property. Since 1990, Australia has seen the RBA cash interest rate go from a high of 17.5% to the current record low of 2.0%. There has been a mining boom and a Global Financial Crisis (GFC). Housing prices have risen on the whole but it hasn’t always been consistent. No matter what the economy has done, though, Australians have been consistent in chasing the “Great Australian Dream” of homeownership. Mortgage Broker in Rockingham Reveals WhyJustin Smith is the principal mortgage broker at Smartline Rockingham. He has more than 28 years of experience in the finance industry. Due to his industry experience and keen observational skills, Mr Smith is uniquely qualified to explain why Australians are so consistent in their pursuit of the “Great Australian Dream,” no matter what the economy is doing. According to Mr Smith:“I believe there are two reasons Australians have been so consistent in our home investment percentages, despite the many fluctuations in the economy. The emotional reason is that it is deeply ingrained in us to want our own homes. We value our individuality so much and nothing says ‘individuality’ like your own home. But there is a financial reason that is even more important: a home is its own buffer against the twists and turns of the economy. As long as you can make your home loan payments during tough times, you are almost always going to profit on your home, as long as you hold it long enough and keep it properly maintained.”Smartline Rockingham is a firm of mortgage brokers serving the Rockingham area. They have been the leading mortgage broker in Rockingham since 1999. They have access to the credit products of 28 different lenders and are great at determining which lender can provide the right loan for any particular client. To learn more or to apply for a home loan, call Smartline Rockingham today on 1300 958 730 or visit their website: http://www.mortgagebrokersrockingham.com.au/ Plato Global Shares Income Fund rated highly by SQM 2016-03-15T00:35:38Z plato-global-shares-income-fund-rated-highly-by-sqm 15 March 2016: The Plato Global Shares Income Fund (“the Fund”) has been given a “Superior” “High investment grade rating” of 4 ¼ stars from independent research company SQM[i]. SQM noted the rating reflects the “highly qualified and deeply experienced portfolio management team” and the “specific dividend capture strategy that is relatively unique to the equity-income category.” In a strong start to the year the Fund has already delivered 1.7 per cent in net income in its first 3 months, and is well on its way to delivering its target 6 per cent net income in its first year, approximately 4 per cent higher than the typical yield on the MSCI World Ex Australia (global shares) Index. Plato Managing Director, Dr Don Hamson welcomed the rating which recognises the unique strategy developed for a very specific market. “The Fund has been designed specifically to deliver high levels of income in a sector which is not known for strong income”, explained Dr Hamson. “This suits the needs of retirees who require strong income to fund their retirement needs, but also need the diversification benefits of global equities to reduce the total risk of their investment nest egg”. The Plato Global Shares Income Fund is available on several platforms, and has been added to a number of Approved Product Lists. For more information, please contact 1300 010 311 or email distribution@pinnacleinvestment.com.au. -ENDS- Note to Editors: Dr Don Hamson, Managing Director, Plato Investment Management is available for interview Media Enquiries: Louise Nealon, CallidusPR T: (02) 9283 4114/ 0403 569 177 E: louise@calliduspr.com About Plato Investment Management Plato Investment Management Limited (‘Plato’) is an investment management firm specialising in objective-based global and Australian equity investment solutions for wholesale and retail investors. Majority owned and operated by its investment staff, Plato is supported by its minority equity partner, Pinnacle Investment Management Limited, a leading multi-affiliate investment management firm. For more information please visit www.plato.com.au This communication has been prepared by Plato Investment Management Limited (‘Plato’) ABN 77120730136 Authorised Representative No. 304964 of Pinnacle Investment Management Limited AFSL 322140. Interests in the Plato Global Shares Income Fund Class F (ARSN 608130838 APIR WHT0062AU), Plato Global Shares Income Fund Class A (ARSN 608130838 APIR WHT0061AU), collectively the Plato Funds, are issued by Pinnacle Fund Services Limited (ABN 29 082 494 362 AFSL 238371). The Product Disclosure Statements (‘PDS’) for the Plato Funds are available at www.plato.com.au/retail-funds. Any potential investor should consider the relevant PDS in deciding whether to acquire or continue to hold units in a fund. The issuer is not licensed to provide financial product advice. Please consult your financial adviser before making a decision to invest in a fund. Disclosure contained in this communication is for general information only and was prepared for multiple distribution. The information in this communication has been prepared without taking account of any person’s objectives, financial situation or needs. Persons considering action on the basis of information in this communication are to contact their financial adviser for individual advice in the light of their particular circumstances. Past performance is not a reliable indicator of future performance. Any projections and forecasts contained in the information are estimates only. Such projections are subject to market influences and contingent upon matters outside the control of Plato and therefore may not be realised in the future. Returns are not guaranteed. To the extent permitted by law, Plato disclaims all liability to any person relying on the information in respect of any loss or damage (including consequential loss or damage) however caused, which may be suffered or arise directly or indirectly in respect of such information. [i] The rating contained in this document is issued by SQM Research Pty Ltd ABN 93 122 592 036. SQM Research is an investment research firm that undertakes research on investment products exclusively for its wholesale clients, utilising a proprietary review and star rating system. The SQM Research star rating system is of a general nature and does not take into account the particular circumstances or needs of any specific person. The rating may be subject to change at any time. Only licensed financial advisers may use the SQM Research star rating system in determining whether an investment is appropriate to a person’s particular circumstances or needs. You should read the product disclosure statement and consult a licensed financial adviser before making an investment decision in relation to this investment product. SQM Research receives a fee from the Fund Manager for the research and rating of the managed investment scheme. Internet of Things and Increasing Digital Demand Signals Major Insurance Industry Disruption 2016-03-02T06:07:43Z internet-of-things-and-increasing-digital-demand-signals-major-insurance-industry-disruption Australia, 2 March 2016 – The World Insurance Report 2016 (WIR), released today by Capgemini, one of the world’s foremost providers of consulting, technology and outsourcing services and Efma, identifies multiple threats pushing the insurance industry toward massive disruption. The continued evolution of the Internet of Things (IoT), combined with changing behaviors and preferences from Gen Y customers, is driving the urgent need for insurers to undergo significant transformation or risk falling behind emerging competitors such as FinTechs. Capgemini’s Voice of the Customer Survey, covering more than 15,500 insurance customers worldwide, found that Gen Y customers are much less likely to have positive experiences with their insurers compared to other age groups, despite communicating with them more frequently. Gen Y customers have more interactions with their insurer across all communication channels, particularly digital ones. They interact with insurers up to 2.5 times more on social media than other customers and over two times more via mobile. Those interactions, however, are resulting in positive customer experience levels that are nearly 20 percentage points lower than those of customers in other age brackets, suggesting that Gen Y customers have higher expectations for the standard of digital channels than their older peers. Given that more than one-quarter of all customers plan to purchase or renew their insurance through digital channels in the next 12 months, customer experience levels among Gen Y customers is particularly concerning for the industry. In addition, nearly one-quarter of Gen Y customers say they would be likely to buy insurance from non-traditional technology-led providers, highlighting the threat from emerging competitors to the customer base of traditional insurers. “By not providing adequate engagement for digitally-advanced customers, carriers run the risk of pushing them toward a growing population of market entrants and non-traditional technology-driven competitors,” said John Mullen, Corporate Vice President and Global Insurance Leader for Capgemini. “Gen Y is clearly indicating that they do business differently and those insurers who respond to them on their terms will have a clear competitive advantage.” IoT Looms Large A more fundamental threat, or enabler, to the future of insurers is the coming wave of connected technologies, in the form of such innovations as smart home ecosystems, wearable devices and machine-enabled drones, robots, and cars. These IoT technologies are expected to transform traditional insurance business models, including everything from the way insurers connect with their customers to their fundamental assessment and management of risk. Yet despite this threat, insurers are significantly underestimating the degree to which connected technologies will be broadly adopted. Only 16 percent of insurers think customers will embrace driverless cars, for example, while 23 percent of customers express interest. More significant than age, affluence is the most compelling factor in determining customer uptake of IoT technologies. More than 45 percent of affluent Gen X customers are likely to adopt connected devices, smart ecosystems and wearables, compared to only 30 percent to 35 percent of younger, non-affluent Gen Y customers. Customers that are both Gen Y and affluent are the most likely to adopt connected technologies (50 percent). However, affluent customers are also more likely to purchase insurance from non-traditional technology-led firms. Nearly 31 percent of affluent customers globally say they are likely to purchase insurance from technology firms, a percentage that increases to 47 percent for affluent Gen Y customers. Redefining Risk In addition to its impact on customer connections, IoT is expected to have an even bigger impact on the core tenets of the insurance business. In a connected world, data provided by connected devices, smart ecosystems and wearables will increase risk transparency, a dynamic that will likely lead to new business models, especially in pricing and risk control. Risk ownership will also shift with connected technologies, as responsibility for actions, for example in the case of driverless cars, moves from car owner to car manufacturer. Finally and most important, IoT looms large in managing the level of risk exposure due to safer environments. This will shift premiums significantly, threatening some carriers, but providing opportunities for those who can understand the emerging risks that are inherent as the rate of technology change becomes more pervasive in the lives of people and commerce. Insurers must start preparing themselves for the transformation of the insurance business. The report advises insurers to build strong but agile foundations in the short term. In the medium term, they must sharpen their value propositions through strategic alliances and data-driven insights. Long-term strategies must focus on transforming the business to stay ahead of emerging risk profiles, new interaction models, changing customer behaviors and IoT’s expected disruption of risk selection, pricing, and loss prevention. “While already experiencing digital disruption, the insurance industry needs to brace itself for the massive, inevitable disruption brought on by Gen Y and the Internet of Things,” said Vincent Bastid, Secretary General, Efma. “Those insurers who make it a top priority to improve their ability to manage and leverage data and risk will be the most prepared.” The World Insurance Report 2016 features data from more than 15,000 insurance customers globally through Capgemini’s Voice of the Customer survey and exclusive Customer Experience Index (CEI), as well as findings from more than 150 insurance executive interviews. The report’s research covers 30 markets across North America, Europe and Asia-Pacific representing 93 percent of the global insurance market in terms of premium income. For more information visit www.worldinsurancereport.com About Capgemini With more than 180,000 people in over 40 countries, Capgemini is one of the world's foremost providers of consulting, technology and outsourcing services. The Group reported 2015 global revenues of EUR 11.9 billion. Together with its clients, Capgemini creates and delivers business, technology and digital solutions that fit their needs, enabling them to achieve innovation and competitiveness. A deeply multicultural organisation, Capgemini has developed its own way of working, the Collaborative Business ExperienceTM, and draws on Rightshore®, its worldwide delivery model. Learn more about us at www.capgemini.com. Rightshore® is a trademark belonging to Capgemini For further information please call or email: Shailo Rasanayakam Red Agency on behalf of Capgemini 02 9963 7759/ 0403 777 709 shailo.rasanayakam@redagency.com.au “Back to Basics” Approach to Investment Planning Mitigates Risk 2016-02-29T06:35:33Z back-to-basics-approach-to-investment-planning-mitigates-risk Perth, WA, 29 February 2016 - According to the Head of Multi-Asset Portfolio Management for AMP Capital, Debbie Alliston, it could make sense for investors to employ a “back to basics” approach to investment planning. The basics to which she refers: portfolio diversification and professional management of equity risk premium (ERP).*Low cash interest rates, not only in Australia but globally, have caused returns in many financial market investments to soften. Yields from bonds and other asset classes are currently low and Ms Alliston believes that growth will continue to be sluggish.*Globally, 2015 is expected to mark four consecutive years of positive returns in the global equities markets. However, some markets are better than others, leaving investors unsure of the future of their equities investments. Australian equities, after years of outperforming the global average, began underperforming in 2013 and continued through 2015. Ms Alliston doesn’t predict an upturn until at least 2017.*Equity Risk Premium (ERP)Equity risk premium means that investors are rewarded for their risk by a higher return on their investment. Since 1900, Australian equities were close to 6.0% ERP, compared to 4.5% from US equities. However, Ms Alliston predicts an Australian ERP of between 3.5% and 4.0% in Australia and 5.5% to 6.0% in Asia and other “emerging markets.”*Overall, Ms Alliston believes that equities will be what she terms an “asset of choice” due to returns that will be better than those of cash and bonds. She is not bullish on Australian shares, however, as they have underperformed global shares for five consecutive years.*DiversificationDiversification is a way to protect one’s portfolio from equity risk. Diversifying a portfolio means using different investments that are not all dependent on one set of economic conditions to prosper. When one economic indicator or market lags, another can “pick up” or at least remain constant, mitigating losses.*Ms Alliston mentions Government bonds, which can outperform equities in times of market corrections. Other examples are property, infrastructure, currency and private equity, all of which depend upon different factors for prosperity.*Back to BasicsMs Alliston feels that investors should examine their portfolios for diversification or the lack thereof. She believes that portfolio construction is a very specialised skill that can be used to maximise results for investors. She also believes that professionally managed multi-asset vehicles are a “sensible” investment.*Daniel Stevens is a financial planner for Approved Financial Planners in Perth. Approved Financial Planners are affiliated with AMP capital. According to Mr Stevens: “Ms Alliston is a great resource and one of many that AMP Capital provides for us. This allows us to give our clients the right financial advice. We agree wholeheartedly that a ‘back to basics’ approach and professionally managed multi-asset vehicles can help reward investors for their risk while mitigating potential losses.” *AMP Capital, Debbie Alliston. “Is it time to go back to basics?” 09 December 2015.Approved Financial Planners provide investment planning and a full menu of financial planning services. They have been a trusted name in Perth and are now affiliated with AMP Capital, giving them the resources of one of Australia’s largest investment firms to offer to their clients. To learn more or for a free consult, call 1300 787 274 or visit their website: http://www.approvedfp.com.au/.Approved Financial PlannersDaniel Stevens, Authorised Representative and Credit Representative of Approved Financial Planners Pty Ltd ABN: 52 116 910 528, trading as Approved Financial Planners, Authorised Representative and Credit Representative of AMP Financial Planning Pty Limited ABN 89 051 208 327, Australian Financial Services Licence 232706 and Australian Credit Licence 232706.General Advice WarningWhat you need to know.Any advice contained in teds of any particular person. Therefore, before making any decision, you should consider the appropriateness of the advice with regard to those matters.