In the late 19th and early 20th century, with the transition from free capitalism to monopoly capitalism, the factory itself had undergone complex and profound changes. Constantly adopt new technology to make the production rapid development; The scale of production keeps expanding, competition intensifies, and a large-scale monopoly enterprise is produced. The separation of rights and ownership and the formation of a professional management stratum; The scientific management system has been established, and a series of scientific management theories have been formed to make the enterprises mature and become modern enterprises. Are you thinking of starting your own business, but concerned with the price? A smart move that could save entrepreneurs money with all the latest technology is working virtually-from the comfort of your home. When you think of starting your personal home based business, the first thing that arrive at your head will probably be time savings and funds while spending plenty of sparetime with the fam as well as the flexibility of developing your personal schedule. Economist lynde hull explained that the benefits of capital in different periods of time would be interest. According to linde hull, interest in a specific period and the difference between the expected consumption is savings (during the period of the growth of capital), and returns the sum of consumption and savings are given period of time. The international monetary fund cut its growth forecast for the UK to 1.6 per cent this year from 1.7 per cent in October and is expected to grow by 1.5 per cent in 2018. One of the popular features of online/Mobile banking is SMS banking services which are operated using both push and pull messages. Push messages are the types the bank chooses to send to a customer's cellphone without the customer initiating a obtain the knowledge. For example push messages may be either Mobile marketing messages or messages alerting an event which happens in the customer's banking account, like a withdrawal of funds from your ATM or possibly a payment while using the customer's credit card, etc.