Pull messages are the ones which can be initiated with the customer, by using a mobile phone, for obtaining information or conducting a transaction staying with you account. Examples of pull messages for information have an account balance enquiry, or requests for current information like forex rates and deposit rates of interest, as published and updated with the bank. The views of munoz and sprawus Are you thinking of starting your individual business, but concerned with the price? A smart move that will save entrepreneurs money with all the latest technology is working virtually-from the comfort of your own home. When you consider starting your personal home based business, first of all , visit the mind will probably be time savings and money while spending plenty of leisure time with the fam and also the flexibility of earning your own schedule. Microsoft's Surface Pro, Surface Laptop, Surface Book and Surface Studio are the main products of Microsoft's Surface series, but there is a clear difference in the share of the devices. The Surface Pro products account for the highest share (79.9%), the Surface Book (7.5%), Surface Laptop (2.0%), and Surface Studio (0.2%). , BMO capital markets of U.S. rates strategy director Ian Lygen is described: "we believe that prices change due to interest rate debt investors don't want to stand in front of a sell-off on the eve of the end of catch a falling knife." There is no ambiguity in the objective of the concrete plan. For example, business sales managers intend to increase sales by 15 percent over the next six months, and he will formulate specific procedures, budget plans, and schedule schedules, which is the concrete plan. Guideline plans only some general guidelines and action principle, favors the actors free disposition, it points out that the key but don't limit actors on the specific target or specific action plan. For example, a specific plan to increase sales may require a 15 per cent increase in sales over the next six months, while a guidance plan may limit sales by 12 to 16 per cent over the next six months. Compared with the guidance plan, the concrete plan is easier to carry out, assess and control, but lacks the flexibility, and its requirements for clarity and predictability are often difficult to satisfy.