The future of Investment Advice with Clover CEO Harry Chemay

Before founding the fintech startup Clover, Harry Chemay had spent over a decade as a financial planner advising individuals, before shifting to asset consulting where he advised institutions such as superannuation funds and university endowments. In the process, he arrived at the conclusion that the financial advice industry was primarily geared towards helping older Australians plan for retirement, while not engaging with younger Australians and those with modest means.

Harry concluded that “part of the reason is financial advice is very expensive to provide.”

It was made expensive by the need for highly trained professionals and onerous compliance requirements due to the highly regulated nature of the profession.

Fintech startup Clover promises to make investing more affordable and accessible (Image: supplied)

Fintech startup Clover promises to make investing more affordable and accessible (Image: supplied)

In the meantime, the advent of algorithm-driven robo-investing in the US was bringing down the costs of investment advice by cutting through the traditional inefficiencies of the process and making investing much more affordable and accessible. Harry and co-founders Sahil Kaura, Darcy Naunton and Warren Burns, with backgrounds in financial planning, investment management, venture capital and technology respectively, decided to try and bring the robo-investing technology to Australia. Harry, Sahil and Darcy had previously worked together in the investment consulting division of Mercer. Their vision was to create an automated advice and investment management solution that invests client funds into diversified portfolios of Exchange Traded Funds (ETFs) that track market indices, while charging much lower fees as compared to traditional investment products. This led to the birth of Clover.com.au.

In our Startup Melbourne podcast, I spoke to Harry at length about the financial theory and technology behind this next generation investment product and the journey of Clover till this point.

Modern Portfolio Theory and ETFs

While robo-investing and robo-advice are relatively new, the financial underpinnings of this technology can be found in Modern Portfolio Theory, first articulated by Harry Markowitz in 1952. According to this theory, which has been the cornerstone of modern finance, it is possible to create an optimal investment portfolio through effective diversification of investment assets that maximises the return for a given level of risk. What this theory also predicts is that it is virtually impossible for a single investor to beat the market after fees and costs.

Harry Chemay explains, “With so many talented people looking at the news and imputing that news into share prices every second of every trading day, the average investor really has no chance against the global 24x7 system of money management.”

So the sensible thing for retail investors is not to try to beat the market but to harvest the return of the market through products such as Exchange Traded Funds or ETFs that are listed on the stock exchange and try to replicate benchmark indices. Indices refer to financial and stock market indices such as the S&P 500 in the US and S&P/ASX300 in Australia.

What ETFs essentially do is hold a combination of assets (such as shares) from a particular market that helps it to track a market index and move up and down with it. There are over 150 ETFs available in Australia that track the Australian and international stock markets, bonds, cash and real estate. This allows for the creation of robust investment portfolios by buying and holding a combination of ETFs. The other big advantage of ETFs is that they charge low fees as they do not involve active fund management, which helps in lowering trading costs and increasing tax efficiency. This intrinsic efficiency and cost-effectiveness of ETFs is the fundamental basis for Clover’s investing technology.  

Clover's enables clients to monitor their investments through a beautifully designed interface (Image: supplied)

Clover's enables clients to monitor their investments through a beautifully designed interface (Image: supplied)

Clover’s Investing Technology

Harry explains the technology behind Clover in the following terms, “Our algorithms matchup investors to an appropriate diversified portfolio that we have researched and composed, and we will invest for that client on their behalf.”

Clover’s makes investing fun and convenient by helping clients invest in ETF portfolios based on their financial goals and time horizon through a beautifully designed website right from the comfort of their living room at whatever time they choose. This spells a significant departure to traditional financial planning when one would have to physically go into a financial planner’s office during work hours for a consultation.

Being targeted at younger Australians who haven’t quite saved up a nest egg as yet, Clover is aiming to reduce the barrier to entry into investing by having a small initial requirement of $5,000 for new customers joining the platform.

Harry acknowledges, “But the key thing for us is not that $5,000 is going to make them financially secure, it's the ability to save and to be consistent and disciplined about saving on a regular basis that helps to turn modest initial contributions into something of a nest egg.”

Furthermore, by basing their investments on ETFs and algorithms and avoiding active fund management, Clover can significantly reduce costs involved in managing client funds. Clover is currently free for new users until June 2017, when they will begin charging for the service. Fees start at $7 a month (excluding GST) for accounts under $10,000, or from 0.45% to 0.75% per year (excluding GST), depending on the size of the portfolio above $10,000. There are no additional advice fees, account opening fees, or brokerage fees for Clover clients.

Future of Financial Advice

Like all other industrial sectors being enhanced by technology, the introduction of robo-investing by fintechs such as Clover is changing the financial advisory landscape after several decades of stagnation. Interestingly enough, this change will not necessarily mean an end to the traditional financial advice as it is now, but expand the pie as affordable, on-demand platforms allow more millennials to get started on investing earlier on in their lives.   

For aspiring fintech founders, Harry emphasises the importance of training and experience before venturing into this exciting as well as highly regulated and specialised field.

Referring to recent research by EY, Harry concludes, “I think the median age of fintech founders was 41, which is significantly higher than what you would expect for most tech companies; but that’s because a lot of fintech founders have had at least one and often times up to two decades in finance before they have gone out and founded their fintech startups.”

 

Shu and Startup Melbourne would like to wholeheartedly thank Harry Chemay for his inputs towards the article and the podcast.

Disclaimer: This article is for information only and in no way constitutes financial advice.

 

Posted on January 11, 2017 .

Jules Lund talks about how TRIBE connects everyday influencers with brands

Influencer marketing is a huge social media phenomenon that is here to stay. I have already covered how a social media platform like Instagram can be harnessed to generate incredible brand awareness and rapid growth within a very short period. 

As one of Australia’s most celebrated TV and radio personalities with 15 years of success under his belt, Jules Lund is also one of the nation's most prominent social media influencers. Thus, he knew all too well the existing inefficiencies in the way brands traditionally connect with influencers for sponsored content.

Media personality turned tech founder Jules Lund with his TRIBE team (Image courtesy Jules Lund)

Media personality turned tech founder Jules Lund with his TRIBE team (Image courtesy Jules Lund)

In Episode 6 of our podcast, we speak with Jules on his startup TRIBE that is simplifying communication between brands and social media influencers. We also get some of his insights of being a first-time founder and where the future of social media is headed. 

Ideation of TRIBE

While working on the Fifi and Jules Show at Southern Cross Austereo, Jules with his passion for graphics design and visual content helped build up the social media assets of the company and consulted with some of the top media companies. His strength in social media engagement led to many requests for sponsored posts at which point he experienced first-hand how convoluted the process of brand and influencer engagement can get without a proper channel for communication.

Jules explains,”I was dumbfounded at how difficult it was to do a simple task….The brand would go to the agency, the agency would go to Southern Cross Austereo’s sales team, sales team would go internally to tactics, tactics would go to my agent and my agent would come to me. And it would be a simple request like, ‘Can you put a URL in there to push to our website?’ ”

The issue was not with either the influencers or brands as both knew what to do. Content creators have built their tribe based on the content they have produced and refined over a period while brands have a well-thought-through strategy on how they want to engage with social media audiences. Thus, Jules set out to create a technical interface layer that brings these parties together and enables a transparent and efficient transaction.

How does the platform work?

TRIBE is all about simplifying the workflow for influencer-driven ad campaigns sponsored by brands. 

After signing up to the platform, a brand puts out their specific requirements in the form of a project brief of the kind of content they are after on Twitter, Facebook or Instagram. This attracts submissions from influencers from which the brand can pick the ones that they like and once approved those are instantly out on social media and the influencer gets paid the agreed price for their post. The advantage of TRIBE is that a brand can very quickly crowdsource amazing content from influencers using a product in different settings and different ways without having to spare the time and expense of doing multiple elaborate setups to test what works. 

Jules does not necessarily believe that influencers with millions of followers are the best bet at having a great marketing campaign. On the contrary, the TRIBE platform is looking for everyday Australians who have built a following of 3000 or more by providing incredible value to their community of followers or their ‘tribe’.

Jules was able to leverage his enormous body of relationships and experience and convince the value that marketers could derive by simply putting out a project brief on the platform at no cost that is seen by thousands of influencers around the country and results in submissions and great PR at no risk.

Since its launch in September 2015, TRIBE has worked with over 500 brands including Nike, Adidas and Disney, and has a pool of over 7000 passionate and talented content creators on their books.

The Tribe Team

Jules is very much the founder and creator of TRIBE and is 'across all that is happening'. Not having a tech background did not hinder him from tapping into his graphic design training and visual intellect as well as how his vision of a brand-influencer marketplace to create a user experience that is uncomplicated and geared towards optimum efficiency.

Nevertheless, Jules had the humility and foresight to bring together a team that complemented his strengths with their own abilities. Thus Jules happily handed over the keys to the operational and management functions to CEO Anthony Svirskis as he focusses on creating a strong narrative based marketing strategy.

As a first-time founder, he also credits his excellent team of advisors whose credibility in the market was crucial in raising funds to build and expand the platform and bring together the team.

Jules’ hiring advice is, ”In many ways, if you are having a meeting or they are presenting to you as a part of the recruitment process, and you feel a bit threatened, that is a good thing. It shows that they are going to have ownership, they are independent and they are not totally going to rely on you.”

Foreign Expansion

In the 12 months since its founding, Tribe has shown over 20% month-on-month growth and generated $1 million in revenue for content creators on their platform. For Jules and the team, it is just the 'right amount of pressure' to be tackling foreign expansion at this stage and he is very optimistic of the new markets that TRIBE will be reaching out to in the coming months.

At the close of Series A, TRIBE has raised $5.35 million in their Series A round for expanding overseas. The team has brought on an experienced analyst who is looking at 53 markets on certain key metrics including social media penetration, trust in influencer marketing, the cost of market entry and ease of doing business.

Future of Social Media

While Tribe is a fantastic startup, they are not the only ones trying to break into the vast and lucrative creative influencer marketing space. We have earlier covered Nichify and there are several others such as HypeTap, Influencity and Flamebit. Jules believes that this interest in the space is by itself validation of the big opportunities for TRIBE in the fast changing advertising landscape. 

Jules also sees a significant untapped opportunity in the beautiful image and video content that average Australians are creating with their smartphones and tablets, telling the stories of the brands that they love, trust and recommend to their friends and family. This content is of incredible value for bigger brands to fuel their social media engagement and can offer additional income streams in the same way Uber and AirBnB has done in the transport and accommodation industries.

If you are a brand or an influencer and would like to check out this exciting new self-service marketplace, please visit www.tribegroup.co

Posted on December 13, 2016 .

An update on Melbourne Startup Week

Last week, between 28 November - 2 December 2016, Melbourne Startup Week was in town and hosted 35 events at various locations around the city such as the York Butter Factory, Collective Campus, Slack, and Revolver Creative

With the vision of encouraging local entrepreneurs, Startup Week, a Techstars program, worked with the Melbourne startup community to bring together 24 speakers who ran sessions on a wide range of startup relevant topics including intellectual property management, startup insurance, design and emerging technologies. Over 400 attendees participated in these learning sessions that also had a heavy emphasis on networking and relationship building.

The Startup Week comes on the back of the Melbourne Startup Weekend, a two-day hackathon (also a Techstars program) that saw enterprising teams solve problems based around the retail tech theme.

I attended a couple of events, one focused on fintech and the other on virtual reality. These are two great emerging technological trends that will be having a profound impact on two very different industries and provide glimpses of how technology will evolve in the future.

 

Clover and the future of financial advice

Clover is a fintech startup that is disrupting the financial advice industry which, at present, is mainly centred around retirement planning and often tends to miss out on serving younger people who are often put off by high upfront costs, lack of transparency and inflexibility. Clover is harnessing the power of algorithm-driven robo investing to create customised passive portfolios of Exchange Traded Funds (ETFs) matching each customer’s needs. The processes of portfolio creation, rebalancing and reinvesting are completely machine driven, which allows Clover to charge lower transaction fees relative to other funds that are managed by portfolio managers.

Clover co-founder and CEO Harry Chemay has a firm belief in the emerging technologies of robo investing and robo advice and how these will change the financial advice landscape by reducing administrative overheads while making investment advice much more precise and efficient. By offering a low entry point to investors and offering a richer user experience, Clover is hoping to attract young millennials who are high earning and need effective investment strategies to meet life goals such as entering the property market and raising a family, but are not necessarily thinking of retirement.

Harry also predicts that robo advice along with blockchain technology will reshape the needs for workers in the finance industry over the next decade, possibly making many types of roles redundant. However, the most complex and personalised form of advice will still be a person-to-person service, at least in the foreseeable future.

Whilst fintech is an incredibly exciting and certainly growing space within the tech sector, Harry acknowledges that it is also radically different because of the enhanced compliance requirements that need to be met in order to operate within the highly regulated financial sector.

 

Building a Virtual Reality App in 120 minutes

In the VR workshop run by the Nathan Beattie of Melbourne-based VR studio Virtualex, at ACMI X, participants were taken through the creation of a VR app under two hours on the Unity Development platform using code in C Sharp. As someone who is relatively new to the idea of virtual reality, it was a great introductory workshop on how easily one can pick up the essential skills of designing VR applications.

Virtual Reality is already well known in the gaming world and is becoming more mainstream with architects, advertisers and real estate companies showing an increasing interest in the technology for providing product demonstrations and building walkthroughs for their clients. There are also applications of VR in the travel industry as well as movies that are still waiting to be fully explored.

As the tech industry gathers steam in Melbourne, we will see more and more events happen around the city that provide opportunities to aspiring and seasoned entrepreneurs to learn from other experienced experts while connecting and growing as an ecosystem.

Posted on December 5, 2016 .

Instagram marketing hacks from Gretta van Riel

Instagram, with a network of over half a billion followers and reaching 59 percent of 18 - 29 year-olds in the US, is undoubtedly one of the most valuable mediums for marketing to the young and tech-savvy generation. A distinctive phenomenon within Instagram marketing is the rise of influencers, everyday amateurs who are often great in product and lifestyle photography and manage to attract a faithful following. They are in a prime position to recommend their favourite brands to their target audience.

Chris Joannou speaking with Gretta van Riel for Startup Grind Melbourne's fireside chat

Chris Joannou speaking with Gretta van Riel for Startup Grind Melbourne's fireside chat

Four years ago, Melbourne entrepreneur Gretta van Riel was one of the early entrants into this platform. In this very short period, Gretta has created several successful companies by harnessing the power of Instagram and has cumulatively amassed over 17 million followers across her ventures. Gretta spoke to Chris Joannou of Startup Grind on 24 November 2016 about her adventures with Instagram and shared some of her tried-and-tested hacks.

Gretta's first venture, SkinnyMe Tea

Gretta began her career as a digital marketing manager and soon found that she had limited opportunities to feel challenged in her role. In her spare time, she discovered how it was possible to create a non-personal following around products like her wardrobe and later sell off selected items such as her designer handbag.

This gave her the idea to start her first Instagram-based eCommerce business SkinnyMe Tea (SMT), a 'teatox' product that helps with weight loss. Gretta initially did all the manufacturing, packing and shipping from home during nights and weekends, whilst juggling her full-time job. The Instagram account grew to over 600,000 followers under a year and very soon Gretta was making her monthly wage in a day. That was a signal for Gretta to quit her day job and focus fully on her entrepreneurial dreams. She has never looked back since!

SMT now has over 350,000 customers and has been featured on Elle and The Four-Hour Workweek. 

Dropbottle

Dropbottle came out of SMT and Gretta's intuition that the market was looking for a stylish and robust bottle of carrying detox water. Dropbottle is a long glass bottle that can be filled with healthy fruit and water and comes with an infuser and handle. Apart from having a splendidly photographed Instagram, what has helped the rise of the Dropbottle is being handpicked by Oprah as one of her favourite things of 2016.

 

The Fifth Watches

The Fifth Watches is the only company that Gretta has co-founded, pairing up with her friend Alex McBride. It started with the idea of monetizing Alex’s design and architecture blog which finally ended up being a brand of limited edition watches.

The 5th has an interesting business model based on exclusivity around timing. The online shop displays products all the time but only opens to customers on the 5th of each month for 5 days creating a sense of urgency and scarcity about the products. This trend seems to be working very well as the team has expanded and so has the Instagram following to over 440 thousand.

Nichify

After several much simpler products, Nichify is Gretta's first tech offering that builds upon her experience as an influencer to form multi-directional relationships between brands and influencers.  For Gretta, Nichify has been ‘the hardest to build and also has had the most personal involvement’. Analytics on her existing base of 17 million followers indicate that there is 200 million inreach and over a billion outreach amongst the connections. This is what Nichify is looking to leverage. The unique value proposition of Nichify is that it is not a marketplace but focuses on building relationships. The beta version, which is free, is due to release in Jan and Gretta is working with only 15 brands at this stage.

While Gretta acknowledges that not having a technical background makes things difficult and so a technical cofounder can be a good idea, she has been able to hire a dream team to pull together the beta version in six months.


So what are some of the Instagram Marketing and Business hacks from this sensational serial founder?

 

#1 Collaborating with Influencers

Collaborating with other influencers within an industry is the best way to grow one's following. The best influencers to work with in the industry are those with 20 to 50 thousand followers as they have a lot of room for organic growth.

#2 Shoutout for Shoutout (SFS) or Share for Share

Networking with other influencers can be easily done through mutual shoutouts and reposts of shared images. The SFS technique works best between accounts with similar numbers of followers and can help both accounts grow through reaching out to each other's following.

#3 Repost top posts

Searching a hashtag is a great way to find what are the top posts on the subject. Reposting the top posts attracts both likes and follows.

#4 Follow and unfollow

Gretta spent hours each afternoon following others and then unfollowing them the next day that helped to grow her Instagram as people got interested to find out who the person was.

#5 Instagress - automatic following and unfollowing

For those who are time poor, liking, commenting and following can be easily automated using the online tool Instagress.

#6 Buy other Instagram accounts

Instagram accounts are prime real-estate and can be bought as well. This gives a business ready access to followers and content that can be subsequently built on.

#7 Scarcity and Exclusivity

Always having an element of scarcity and exclusivity around one's product offerings, such as a limited edition or limited time release creates urgency in customers' buying decisions.

 

Lessons Learned

In spite of all her success, in her years of entrepreneurship Gretta has also had to learn from her mistakes, which she lovingly refers to as ‘million dollar MBAs’!

For SkinnyMe Tea, the Instagram following grew from 0 - 600,000 within one year, all the while Gretta was operating as a sole trader and did not have the foresight of creating a company. So the marginal tax rate of her business was incredibly high in the first year.

With rapid growth of SkinnyMe Tea, it was hard to keep up with the production in-house and for a brief period, Gretta sourced her product from Chinese manufacturers. However, the quality did not live up to the standard and several batches of high-value stock had to be wasted. This prompted her to choose quality Australian manufacturers who have been her suppliers ever since.

SMT had to work with Therapeutic Goods Administration (TGA) to get regulatory approvals or they risked a multi-million dollar fine for not being regulatory compliant.

Gretta has an incredible amount of energy and enthusiasm in the way she has built her brands. Instead of finding the product-market fit which a lot of other entrepreneurship mentors talk about, Gretta’s approach is to create a market and then launch a product. The Instagram platform provides a powerful tool for engaging with young people who spend several hours a day on their mobile phones. Once effectively engaged through great content, followers can be funnelled into choosing an exclusive product that provides something tangible to remind them of the creative brand that they like and love so much on their phone screens.

 

Posted on November 28, 2016 .

sleepbus Founder’s Mission to End Australians Sleeping Out on the Streets

How the sleepbus story began

Just over eighteen months ago in the Melbourne suburb of Saint Kilda, entrepreneur and business consultant Simon Rowe had a chance encounter with a homeless man sleeping on the sidewalk covered head-to-toe in a white doona and oblivious of passersby stepping over him. The man explained to Simon how he preferred to sleep during the day in a crowded place rather than risk his safety trying to get a night’s rest. It brought back memories of Simon’s own homelessness as a teenager when he had to sleep in his car for four months before he could save enough for accommodation. At the urging of his two older children, Simon set out on a mission to tackle the problem of cost-effective and safe nightly shelter for some our nation’s most vulnerable people.

sleepbus has a very positive and innovative brand to help raise awareness and resonate with audiences (Image: supplied)

sleepbus has a very positive and innovative brand to help raise awareness and resonate with audiences (Image: supplied)

The sobering ABS statistics from 2011 indicate that there are over 105,000 homeless in Australia with over 6% of them (or 6,300) sleeping rough on any given night. To get to the crux of the issue, Simon went undercover as a homeless man and spent some sleepless nights at the shelters. What he found was serious overcrowding, lack of safety and privacy and strict rules around not accepting people involved with drugs, alcohol, mental health conditions and even pets. With existing policies around affordable housing several decades away from having any real impact, and brick-and-mortar shelters rather expensive and not easily adaptable to the needs of the homeless, Simon saw this opportunity to come in with a radical solution.

The sleepbus Project

Simon undertook extensive research over a twelve month period on different solutions and found inspiration in the San Francisco-based nonprofit Lava Mae that brings free showers and toilets on buses to the homeless. This took him down the pathway of creating a fresh business strategy around sleep pods in buses that would provide for the need of safe sleeping spaces and would be cool and innovative enough to resonate with the younger generation.

The sleepbus is equipped with 22 sleep pods, each with a lockable door, quality bedding and sheets, lights, climate control, charger and intercom. There are even eight climate controlled pet kennels underneath the bus for guests with pets. The bus is also equipped with two toilets.  All pods have a TV with free-to-air television and a channel dedicated to support services. 

The sleepbus mantra is “Sleep changes everything”. Simon further explains, “The idea is if everybody can get a good night’s sleep, then with a clear head in the morning, the pathways out of homelessness and pathways out of that situation might be a little bit easier to find and that’s my hope.”

A caretaker is employed on-site to stay throughout the night and monitor the guests. All guests have intercom access to the caretaker, and there are security cameras for added safety. Each bus can provide 8030 safe sleeps per year which can have a tremendous impact in the lives of those who would otherwise be sleeping rough.

Schematic diagram of a sleepbus showing its ingenuity and purposefulness (Image: supplied)

Schematic diagram of a sleepbus showing its ingenuity and purposefulness (Image: supplied)

Operational Model

sleepbus is designed to complement existing services for the homeless and expand capacity in a very cost effective manner. Simon’s estimate indicates that sleepbus can provide safe nightly sleeps for as little as $27.50 per day on a complimentary basis, which represents a  cost saving of up to four times relative to traditional brick-and-mortar establishments.

Simon has also instituted a few lean strategies around how the bus is going to be built. The fit-out process which is inspired by Ford’s manufacturing methodology is designed in such a way that  4 buses can be completed in 4 weeks largely without the need for any skilled labour. Thus, there is a potential for providing opportunities to young people and supporting their entry into the workforce.


Funding for sleepbus

With the cost of purchase and fit-out of each bus being $60,000, Simon has several strategies us his sleeve for raisings funds for the sleepbus project. Simon launched a GoFundMe crowdfunding campaign in February 2016 with the aim of raising $20,000 for a pilot. The target was reached within 4 days with the story raising global interest and a significant portion of the funds coming in from the UK. The Age and Sydney Morning Herald also picked up the story, and the goal was bumped up to pay for the first bus and the launch of the pilot program. In total, sleepbus has raised over $115,000 to date, and this makes receiving traction for future buses a lot more feasible.

As Simon explains, sleepbus operates on a 100% model, “I have two accounts, the corporate account and the donations account. All public donations goes into the donations account and 100% of that money goes into building buses and putting them on the road and operating them, and we track it.”

The innovative donation tracking allows for greater transparency for donors who can login online and check which bus their money has gone into and vital statistics about the bus such as the number of sleeps it has provided.

The Power of Generosity

What Simon has experienced first-hand throughout the project is the incredible generosity people have in the community. Simon was living on his savings, spending every available minute on his dream sleepbus when he received a call from a company in the building industry who were willing to cover his wages for the next three years without asking for anything in return. Similarly, some corporates have been generous enough to open up their spare meeting rooms for sleepbus to use as office space and volunteer accountants have come on board to help with finances.

sleepbus Founder Simon Rowe (Image: supplied)

sleepbus Founder Simon Rowe (Image: supplied)

 

The Future of sleepbus

The sleepbus is now waiting for the final sign-offs before the pilot can officially begin. The first bus has been allocated a spot on Fitzroy Street in Saint Kilda, and there are already orders for buses from all over Australia. Simon has bold plans for scaling up the project to 319 buses over the next 6 years, the number that would take to get every person across Australia off the street. Being the first of its kind in the world, several other nations such as the UK, Ireland, Spain, France and Germany are seriously considering how the same model can be applied within their communities. Therefore, Simon believes that there is a great opportunity to make an impact on a global scale through international partnerships and training.                                                                                                                                                    

All in all, sleepbus is an incredible example of a social enterprise tackling an issue that is close to the heart for many around Melbourne and Australia. Simon has come up with an innovative solution that comes as a breath of fresh air for thousands of people in need. It will be very interesting to follow the progress of the project in the coming months and years.

 

To stay in touch with the sleepbus Project or to donate to their amazing program, please visit http://www.sleepbus.org/.

 

Posted on November 21, 2016 .