The reserve bank's review of card payments is quite interesting reading; you can read it here.

It is a long report, but one section I think is well worth reading is titled Ïssues for the Review," which you can read here.The facts are that since the introduction of interchange fees, although the rate on standard cards has fallen, the rates on premium cards have gone up.

These rates are now averaging about .5%, which is much higher than many countries like in Europe.

Premium cards make up about 30% of the market, and as the report states

Based on the hierarchy of interchange rates, the cost of the high interchange rates for consumer premium and commercial cards falls entirely on small merchants and other merchants that do not benefit from special rates.

The report also says that it is worth quoting in full.

The Bank estimates that the average credit card interchange rate for non-preferred merchants (i.e. those not benefiting from strategic or other preferential rates) was more than 50 basis points higher than the interchange rate applying to preferred merchants in the December quarter of 2014. For MasterCard and Visa debit cards, the average interchange rate paid by the non-preferred group of merchants is estimated to have been around 12 cents per transaction higher than the rate applying to the preferred group. These differences in interchange rates have a corresponding effect on the merchant service fees faced by the two groups which is in addition to the higher margin that acquiring banks would normally apply to small merchants relative to large merchants. For both debit and credit cards, the tendency has been for the differences in interchange fees applying to the two groups to have widened significantly since merchant specific rates were first introduced.

That why I was happy to read this release from tyro titled "Reserve Bank to save the poor $500m in bank fees." The $500 million is the difference between 0.5%, which is in Australia and 0.3%, which is in Europe now.

It makes interesting reading too, apparently the fees for small business for cards are up to ten times higher than for the big retailers, and the gap is growing.

I hope you give tyro your support on this issue. You can read their report here. Something has to be done about this.
 

A report by the

Based on the hierarchy of interchange rates, the cost of the high interchange rates for consumer premium and commercial cards falls entirely on small merchants and other merchants that do not benefit from special rates.

If you want to make a submission to the ACCC about The Magazine Publishers of Australia request for their pilot program, you need to do so by the close of business today. You need to go here and quote in the title of your email "Magazine Publishers of Australia - amended application for authorisation"

I think if you are making a submission you should keep in mind that the ACCC has already issued a draft determination that proposes to grant this pilot program, so I am fairly certain that whatever the ACCC decides to do the pilot will go ahead.

If so, I do not have a problem with that. Whatever I think of the existing arrangements of magazine distribution in Australia. I have no problem with the magazine companies doing a trial with 40 volunteer shops. Maybe they will come up with something. It is up to them to prove something? The only issue I have is that if a trial is done as now proposed, I think it is questionable whether it is open and transparent making it at best useless and possibly even harmful.

So our submission in relation to the requested variation.

Dr Richard Chadwick
General Manager, Adjudication
Australian Competition and Consumer Commission
23 Marcus Clarke Street
Canberra ACT 2601

Dear Dr Chadwick

Re: Association of Magazine Publishers of Australia Inc application for authorisation A91472 – follow up from Conference

Thank you for giving us an opportunity to participate in the conference held on 23 April 2015.

We see positives and negatives in the new proposed plans for the trial. What particularly does disturb us is this comment made by Paul Holm in his letter dated 5 May 2015, to you.

“Transparency of Pilot Outcomes

My client is engaging a data analytics company to analyse the results of the pilot. My client proposes to provide the ACCC with a copy of this report immediately following its being provided and agrees to this being placed on the Commission’s public register. The aggregate results will also be shared with the newsagents through the Australian Newsagents Federation and will be shared individually with each store participating in the trial.”

From the way it is worded, it appears only the aggregate results will be shared with the ACCC and newsagents through the Australian Newsagents Federation (ANF) and individually to each shop participating in the trial. Without raw figures, it's very hard to confirm as all we know is what we are told. It leaves many people out of it such as many magazine distributors, retailers including newsagents. It also leaves many such as us and tower systems who both expressed interest in helping to monitoring the trials plus any other data analytics organisation anyone else would like to add out. It is also unfair as the only one capable of doing data analytics is a company selected by the MPA to analyse what happened as presumably they will get this raw data to comment on these trial's outcome.

As such we do not see how it could be said that the proposed trial is going to be a *fully transparent process* and that *all data from the Pilot is available to all parties*.

This is not my interpretation of what the MPA, the ACCC and Bauer Media stated should happen at the ACCC conference.

Yours sincerely

Bernard Zimmermann
Director
POS Solutions

If you wish to follow the discussion, click here.

Please do not hesitate to contact me should you require any further information.

One welcome surprise in this budget was the increase of the instant asset write-off from $1000 to $20,000 for SMB. Once we had a $6,500 instant asset write-off and when too many took advantage of it, it was taken out by the government because it was too expensive. So we were all stunned that they put it back plus they made it $20,000 much more than before.

This means that any businesses whose annual turnover is under $2 million can claim an immediate tax deduction for $20,000 rather than having to depreciate this amount. It is extraordinarily generous as it is quite a sum of free money. The government estimates that it will cost them $1.75 billion for the next two years. Going by my experience it cannot last as people are going to jump on it. Among what can be claimed are computers and software purchased for business use.

I would suggest that you talk to your accountant as it is a generous offer.

We certainly will be putting out an advertisement to notify our clients of this unexpected development.

Let, firstly, start off by defining what a subagent is. They are resellers who take consignment stock from you to sell to other people. If they sell it, they share with you the commission on the sale, if they do not sell it then they return the stock and pay nothing. We have a whole section in our software to handle this.

Now let us say whenever you get a weekly delivery of a particular stock item, you give 10 of these items to a subagent to sell. Sweet!

A problem can arise however when you get a short delivery of this stock, with a promise of another delivery shortly. Say your supplier does not have enough stock so they send you what they can and promise to send the balance soon. This is what is called a split delivery.

How do you handle the consignment stock when you do not enough stock now? What most people do is supply some say six immediately and put four on reserve to issue out to the subagent when they get the stock. Our system can do this quite easy.

In practice, it never as simple as that nothing ever is. What happens if this consignment stock sells out immediately, which is quite possible as they are short supplied. In this case, the subagent will probably be back immediately to get more stock. Alternately the subagent may sell little this week, so they do not want any more. Furthermore, it can get very nasty if others like supermarkets have plenty of stock, and you do not. I have known people to go to the supermarket to buy stock at retail prices just to get the stock so as not to disappoint good customers.

The problem becomes not as such a computer problem but a people problem.

A few people on Friday asked us about setting up a rewards program using our software in their store. We are trying to help as much as we can.

I would suggest to everyone if you are interested in setting up a rewards program to do the following steps.

1) If you are a member of a group contact them first. Most of these groups have a marketing officer who can help you. If they do not they can certainly put you on to someone who can. These people have been around, and they know a lot of people.

2) Your software provider can advise you on what your software can do. You have already paid for your software so you may as well get as much out of it as you can. They should also be able to put you on to people that use their software that have set up such programs.

3) There are professional organisations that can advise you. The two that I recommend are:

News to Business. These people have been involved in small business loyalty marketing for fifteen years. I have been to some of their lectures, and I know many other people who have too and nobody ever said that they did not learn much for them.. He also has some free videos on his site that should give you some good ideas.

If you are in WA, I recommend Jurek Leon, he talks often on the business shows on TV, he presents to newsagent groups, Lotterywest and shopping centres. He has a free newsletter which are well worth subscribing. I read it every month.

Both of these people have a track record of success in this field over many years.

Overall people are reading about 10% fewer newspapers then last year, although in Victoria, it's a bit less of a drop, mainly because The Age in Melbourne up about 5.2% conversely in South Australia, the drop is a bit higher than the average.

The results are here.

A new automatic script number 2067 will automatically update your Weekly Times.

I got asked today about rewardle

I know of it, but I have never seen it in our market space except in cafes. What happens is that many cafes have a rewards card, generally, something like buy nine coffees and the tenth is free. So when you come in and buy your coffee, they stamp your card. When the card is filled you get your free coffee. The problem is that consumers complain that sometimes the cards have not been stamped often because they did not bring in their coupon. Because rewardle comes with a card and an app on a smartphone, the consumer can have their sale recorded using their smartphone, and because it is being counted by a third party, the count is verified. Also, their points are safe, even if they lose their phone, as the points are stored in the cloud. This is the basic as there are several other reward programs that rewardle can handle.

I better say here that one reason I have not had much contact with rewardle is that our software already does all this and much more.

So how much does rewardle cost a merchant, I am not sure but in the back of my head, I think its $49/month for a small shop. I could be wrong about that.

I have noticed the rating on the google app is not highly rated at 3.4. As a rule of thumb, I rarely would touch an app with less than a rating of 4.

Furthermore, it has few reviews only 419, you can read the reviews on google play. The users' views seem to be very mixed on this product.

One point I would certainly recommend is before going into any agreement you check what happens if, for any reason, you terminate your use of the Rewardle Platform, in particular, on whether you and/or your clients still have access to their point score.

Also if you are seriously looking into this, another product to check out is eCoffeeCard

I hope this helps.

Click here for the current MPA – Application for Authorisation A91472

It will be interesting to see what others have to say about it. This is my personal view after reading it.

It has positives such as, they intend to look at historical sales. Early returns, will be allowed if it is a weekly, fortnightly or monthly title, that does not help if it one of those on pilot wants to return something that is not one of those magazines, which actually came up at the ACCC meeting.

I liked that they do admit that there will be some excess supply. I do feel its best to take a chance to make a sale rather than lose a sale. The only way to do that is by oversupply. Oversupply can be reduced, but it cannot be eliminated.

I was a bit unsure what they mean by the term "the above category management principles" since they have not mentioned anything to do with categories. Not that I am particularly worried about it as the most important point is the historical sales, if a magazine does sell in an outlet who cared what category it is in?

I thought it was strange in the way analytics was proposed to be used. If I read it correctly analytics will be used to analyse the results but not to calculate the quantities being issued. Why? If you are going to use many factors, including historical sales, surely you should use analytics. That after all is what it is designed to do. Having said this the pilot result is proposed to be analysed by a data analytics company.

Which comes to what I see as a negative. I do not see how the pilot is going to be transparent. I am not sure about whether the ACCC will get the raw figures, but it appears only the aggregate results will be shared with the newsagents through the Australian Newsagents Federation (ANF) and individually to each shop participating in the trial. Without raw figures, it's very hard to confirm much as all you know is what you are told. It leaves many people totally out of it such as many magazine retailers and newsagents who are not with the ANF and so will not have access and there were quite a few of those at the ACCC meeting. It also leaves many such as us and tower who both expressed interest in monitoring the trials plus every other software provider out, something actually that was not my interpretation of what the MPA and Bauer Media stated would happen at the ACCC conference.

The rest of the stuff I have no views positive or negative on.

I briefly discussed a few days ago some of the features of the preview screen, what I did not show you is some of the power that it has. Many systems in the marketplace are single dimensional, yes they can give you reports but only standard reports. If you want something different, you need to go to your software supplier or start calculating by hand. Since almost always this cannot be done in real time, it gets frustrating that you have spent so much on a computer system, and you are on manual.

Okay let us look at the power of the preview screen in our point of sale.

Let say I want to do some rearranging of the stationery shelf, and I need to know what sells well in my shop with the five pockets next to the coloured markers by Textas. So I go into our point of sale and do a report here.

So we can see now we have a list of the items that sell with our Textas coloured markers listed by sales quantity. Fine but what say I wanted to see, which is making the most profit. Now I could go through the profit column looking it up after all potentially I could have pages to look though. This is where people start getting frustrated particularly if they are trying to get the top 5 as here.

But check out the export option button on the left marked with red. Now if I click that for excel my report is put into excel, and it looks like this, still in the order of quantity but I can ask excel to sort it by profit.

Once I sort this report, I have my answer, it actually took me a matter of seconds to do. As you can see the crayola markers, whiteboard are the most profitable, and it's something I would not have imagined. Not only do I have my top 5; I actually have my leading 23 all sorted in order of profit. I could make it more complex, a common ordering system used in retail is by quantity and profit.

This is just a brief look at the infinite number of reports you can create using our point-of-sale system. I will show you a few more soon.

The Magazine Publishers of Australia executive director Mary Ann Azer in an interview stated that they were revising their submission to the Australian Competition Consumer Commission (ACCC). They dispute the claim made at the meeting that supermarkets pick their magazine stock, but state that supermarkets choose their range. Something I can believe as supermarkets would tend to say, this is your allocated space, fill it, and it better be good. Whether such a model is transferable to a magazine specialist like a newsagency is an interesting question. What exactly does the MPA mean by range is another? The Wikipedia here thinks they are the same but does the MPA; I am not sure?

What they are proposing is for the shops on trial "redesigning those stores, looking at category education, how you revamp the shelf, look at the adjacencies and the category and use all the shopper insights to develop the layout of the magazines in these stores,” something that I hope people here keep an open mind on. Surely it would be interesting to see what they come up with?

The MAP also claims, "We have the support of the Australian Newsagents Federation (ANF),” which I thought was interesting. When I was at the meeting, the ANF seemed to be giving qualified support.

Finally as I stated in my early posts and at the ACCC meeting the MPA is not ready to start these tests and Azer did state in the interview on behalf of the MPA "it was the MPA itself who had pushed it back from a planned April start to a May 25 start date......We ourselves pushed it to May 25 because we had a lot of data to analyse.”

The full interview is available here.

This is something that I am sure you will find very useful. Sometimes what you want to do is run a report with slightly different options to see what happened. Say I decided to examine my basket sizes by department this year compared to last year. What I can do is run the report as here.

So in this case I want to check the basket sizes in January of this year. Now when the preview of results comes up, what I do is adjust it on screen using the mouse so it is out of the way. Next I go back into this report above which has all the setting still highlighted and change the year 2015 to 2014. Then I let it calculate the report again giving me a new preview screen.

I then adjust the two previews, so they sit side by side so they look like this. Click on the screen for more detail.

I can then examine the changes over time. Of course I could compare for time, department, stock item, etc etc etc

Pretty swish!

This is scheduled for release July this year, and it appears that Microsoft is hoping that lots of people will move to it. Since the general dissatisfaction with Windows 8, has resulted in many people waiting, now the computer natives are restless for change, so I think many will take up the offer which is particularly attractive as Microsoft is offering a free upgrade for Windows 7 and newer users who move quick.

For those on early windows like XP, there is no upgrade path, which is fine by me. I would recommend anyone with an XP computer now to seriously think of getting a new computer, particularly if it's a server. Note just because they are old does not mean they cannot be used, what we commonly do is take the old servers, upgrade the windows on them and turn them into register and work stations.

Now business users, tend to be a bit conservative. They have to be as it takes a while to bed an operating system down. Windows 7 took about 10 months before Microsoft released 7.1, and everyone was happy to run with that. I would expect something similar here. If Windows 10 bombs like VISTA, then it could be as much as eight years before everyone is happy with it. So I am expecting that Windows 10 will be for us in a major way at least 10 months away. That is not to say if what we have experienced in the past occurs some of our users will be on Windows 10 at the date of release. Lucky for these people unlike many of our competitors we stick very closely to the Microsoft standards.

Our first impressions on testing is that Windows 10 looks pretty good, but it will get some getting used too as there are quite a few new functions. Some of them are really excellent like they have a little indicator under each icon on the task bar to indicate if the application is running which I think is great. It maintains the original icon, without adding another icon for a running program thus freeing up space on the task bar….pretty good. Still it looks like it will be a support headache as there is a huge number of options. If something goes wrong as everyone will have it set up differently it will be hard to explain what to do. The wording has also changed, which means some of us are going to have to learn some new words, for example ‘My Computer’ is now ‘File Explorer', which sounds familiar….

Overall it's much easier to use then Windows 8 but not Windows 7. So those on the more recent version of Windows may want to move quicker.

About our software, it appears to run on some quick tests. In fact, everything underneath seems to be the same as Windows 7, RDP, VPN, Domain Config, network settings, firewall and sharing. On first inspection, we don’t see any reason why we would have any specific Windows 10 issues. When we get closer to the actual release I will be able to tell you more.

Have a nice day,

Everyone loves a bargain. That is why so many shops have a shelf with bargains filled with discounted priced items for example damaged goods, magazine that have not been returned in time and/or discontinued items. It is a great way of moving such stock. Make a bin, for example, with a sign all items for $5.

Unfortunately, what sometimes happens is that these items as they have the same barcode as the undamaged items in the shop will if read on a scanner come up with the wrong price. What I recommend is that you put a label on these items so when its read by the scanner it will have the correct price. You will also be able to monitor how this bargain bin is going.

I was not too happy about an article published which I think is misleading. To quote an Australian Prime Minister Bob Hawke "And here let me make one point so that even our opponents can understand it; and let me make it beyond all their power's of misrepresentation and distortion."

The figures I released on their discount voucher system as plainly stated here came out of their system, not ours so whatever our systems features, the comparisons to their system and the alleged twenty key differences is concerned, it is irrelevant. It is a blind.

That it is expensive, as you can see from the above image, they gave $4,475.89 discounts on $98,299.79 sales = 4.6%.

http://www.forbes.com/sites/hbsworkingknowledge/2014/02/24/six-myths-ab…

"Indeed, grocers like Tesco, Sainsbury’s, Kroger, Safeway, and Stop & Shop give back 1-2 percent of the total spent to their card-carrying shoppers. Stores in other categories—Staples in office supplies, Barnes and Noble in books, Best Buy in electronics—offer similar rewards. Boots, the UK-based pharmacy and beauty supply retailer, offers a substantial reward of 4 percent, but that rate is more exception than rule."

So this cost of 4.6% is over the exception.

I think there is a very real argument here to say that people can become used to discounts. It become addictive. If you give them freely and advertise their prominence on your checkout, you are feeding this addiction. You actually training people to purchase from you because you have a discount.

Update: I note that they responded to this report not with facts but an evasion. If they want to get some credibilty I suggest that they show exactly how we have used their data incorrectly and/or inaccurately.

I was asked today just how big a job is categorisation of magazines such as what the MPA and Bauer Media were talking about recently at the ACCC conference. The answer is, its big.

In Australia a small reseller of magazines per year goes though between 1500 to 2000 titles. Title Tracker when I saw it last had a very extensive list which had about 5000 titles available in Australia broken down into more than 50 categories. It also had a section on special interests.

If the MPA were to redo it as stated they would they are looking at a couple of man-months of work. That is before they can even start the trial. If they do not do this then no retailer is better off then we are now.

That does not include the demographics of the shops as they stated and the analytics.

The demographics of a shop are not easy or particularly accurate to determine. They, firstly, need to identify the feeder area for the shop. Afterwards check through the census reports to see what demographics this area has. Then they need to determine the traffic passing though. Trains, trams and freeways give little for marketers while a busy main roads often give much. They also need to check who works in the area, for example a large office block nearby can change the demographics of a small shop. It takes a townplanner quite a while to do this. You also need to check the competition because if there are two or three shops in the area you need to determine what part of the market the one you are measuring has.

A typical analytic project like this one often the analysts need a month just to get started. You tend to do run after run after run until you start getting something that makes sense. It's often a case of exhaustion. We have done enough let's just proceed with what we have.

Here what you would need to do is see what retail customers (demographics) have bought based on what actions they have taken previously in this case using the data from XChangeIT. You need a lot of skill as its quite complex. People that do this, earn big bucks as to do, for example, a statistical customer segmentation to understand retail customer needs and their intentions is not easy. Then they need to determine the optimal number of magazine segments and do what we call a market basket analysis to identify the cross sells. Sometimes you suggest people move items from one category to another simply because it sells better in another category. You then have the start of your categorization, which brings us to my earlier point.

An interesting point is that Fairfax did a smaller but in many ways a similar study to this many years ago and found that the retailer was more accurate then their analysts. The retailer was accurate to 5%, the analysts to 10%.

I am willing to keep an open mind, to be fair but somehow I doubt this will be done.

At the recent ACCC Pre-decision Conference, which I attended, which I spoke twice apparently longer than anyone.

In response to a comment made by me that the current MPA magazine category management system was designed for advertising and was out of date, Eugene Varricchio, who is the Director of Operations and Retail Sales in Bauer Media stated the current magazine category management system for magazines was out of date, that little work has been done on it for 10 years and much work had to be done on it.

This I thought was a very interesting comment because how does anyone in light of this comment explain the following points in the application by the Association of Magazine Publishers of Australia Inc. (MPA) where it states that the pilot which was to be started no later than April 2015, in other words, it was supposed to be already going without this tool being available?

Yet the importance of magazine category management is stated many times and yet it is not ready now.

On page 15

Implementation of category management guidelines that demonstrate clearly how magazine layout, retail layout and category adjacencies can deliver better newsagency return on investment (sales and profit).

Demonstrating the potential return on investment obtained by magazine category management and the key significance of magazines as a customer sales driver.

Identify the core skills a newsagent requires to manage the magazine category effectively.

page 16 goes on

Improved magazine category management

Maintainance of successful category performance post-pilot

page 19 states

Stores to have the magazine category relayed to current MPA guidelines

Stores to be provided with existing MPA Category Header cards

I note it here as food for thought.

One big difference and benefits of our point-of-sale system over numerous others in the marketplace is its focus ordering system that allows demand automatic ordering. This can generate profitable effects virtually instantly often within the first few days of execution If say you get a run on a certain item, it will be picked up immediately by the ordering system which will firstly calculate a projected sale (focus) and then compare it to the available stock on hand figure, take into account the ordering requirement, safety stock and issue a order with almost zero work.

Some of the advantages of doing this are:

• Reduced holding costs - as you are not holding that much in stock.
• Lower ordering costs - as you are buying only what you need.
• Improved throughput rates - as you are ordering only what you need.
• Decreased stock out occurrences - as the computer is checking continuously
• Overstock wastes - this is often caused by people overestimating what they require.
• Improved stock accuracy - you have a continuous check on your stock.
• Higher customer satisfaction - you have the stock you require.

The magazine distributors have requested the ACCC that they be allowed to do a magazine distribution trial. This resulted in many responses from many interested parties. As a result they decided to make a hearing. I was invited to attend.

I found the meeting quite unnerving, as I am not used to talking on a video link there is no feedback and you wonder does anyone hear you, is it working even? This is what you see but the meeting is elsewhere.

There is much interest in this meeting as many people are concerned that they will lose their right to early return, which is the main mechanism, they have to control their magazine stock. Something that is not immediately on the table, although it may be a long-term goal of this trial.

As the discussion progressed, I think much of the problem appears with magazine distribution today in that there are two separate systems. The first group get what they are given and the second (supermarkets) that are allowed to pick and chose what they get. This puts the first group at a disadvantage because few think the magazine distributors are doing a good job. One telling statistic, I thought that was quoted at the meeting is that magazine sales are falling by 6 to 7% a year for many years but the magazine stock being sent out in dollar terms has not changed in the past five years.

The other issue is many people at the meeting felt offended, that here they were very experienced retailers, and it appeared to them based on some of the comments made by the magazine distributors that their experience was being deprecated. I felt similar as I felt our (POS Solutions) experience in analytics and category management was also being so treated.

On the trial itself, I do not think there was any problem with the participants. The majority view was clearly anything being done is better than nothing.

Newsxpress, a newsagent marketing group asked for the right for a trial that would allow newsxpress to select the magazines for some of its members so effectively moving the members in this trial from group one to group two and then use this trial to compare with the magazine distributor's trial. I doubt they will get that. The magazine distributors said it was too much work, something I doubt as all they have to do is move these people over to a supermarket model. Another problem with this is whatever the result of this newsxpress trial; it is not a solution for most people only for Nextra, Lucky Charm and Newsxpress members. That it would work I have no doubt as if one could cherry-pick magazines, I am sure more could be sold. If so, the reasons why the magazine distributors would not want such a trial are interesting to speculate too but another time.

My view is that the ACCC will let the trial proceed, which I have no problem. The people after all are volunteers who presumably can drop out if they want to. I am also fairly certain that these people in the trial will be allowed to early return.

My concern which I spoke about at the meeting was that the results of the trial if based on previous history of such trials, will be selectively released at best. Since during the meeting, the ACCC chairperson did support this as a valid concern and the magazine distributors did agree that they would do this, I think something will happen. My concern is just how much information will be released. I want it all, and I want it public. There is no point in knowing if you cannot talk about it.

Now there is a lot of interest with my clients on whether to move their accounting from a computer to online. It is a good time for the consumer as there are quite a number of good choices now. MYOB Essentials, Xero, Intuit QuickBooks Online, Reckon One, Saasu and Sage. We at moment are waiting to see what our clients do.

Here is my view on the market now.

MYOB

I think it is nice and easy to use the software. It is fairly easy to automate the bank into it. I would budget to use it about $40 a month which includes payroll. Press this link here for details

Xero

It is also a nice program, which has some big improvements coming particularly with the dashboard. People say its confusing at the start to use but after a while its good.

You are probably looking at about $50 to $60 a month for the basic package. What you also might consider is the integration which we have not looked at but one of our competitor's charges about a $1000 plus $35 a month on top for this function. Together it makes it a very powerful package.

Click here for more details

Reckon One

I have not seen it yet, as we're just invited to go to the launch but from what I am hearing its possibly the best one. Apparently, it has a really good dashboard. Pricing is difficult to establish now but it looks very much that the user will be able to nominate exactly what they want and the charges are determined from that.

Click here for more details