It’s been years and years Fannie and Freddie took their throne as the one that formed a rapid, secondary market for mortgage loans by standardizing terms. Later they package the loans into securities that carried a payment guarantee. At the beginning, the plan worked well, the investors who had decided to purchase securities provided money for new mortgage, but its good fortune ended when the home prices collapsed.

It brought Fannie and Freddie undone by loans so everything was considered to be too risky afterward. Responding to this situation, the government has supplied more than $1300 billion to honor their debt and loan guarantees. People have tasted so many advantages they received from Fannie and Freddie, with the failure the company suffered from people start predicting how their life would be without the company.

The current action taken comes with the purpose to shrink the market in government-backed loans by turning the company to be less attractive relative towards still-scarce private-label loans. Fannie and Freddie has increased the charges for most loans with terms longer than fifteen years, this terms are still applied for borrowers who obtain perfect credit scores and 25% equity.

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The environmental issue like global warming has become serious issue and many people attempt to prevent the worse from happening by doing everything to save the nature as hard as they could. Even it is not only society who concerns about global warming, many sectors or fields also take part in saving the environment through many ways.

In economy, there is particular alternative taken to participate in reducing the impact of global warming through Green Industry. Positively, world’s industry walks gracefully into something called Green Industry nowadays. Therefore, the marketing strategy through Green Industry seems like turning into “a must” for those who work or participate in affiliated field. It is also another option carried out in order to draw consumers’ attention as many of them are now more educated and care to the environment.

With the high care toward the space they are living on, consumers start making use environmental issue as one of devices to select product quality that flooding their market. Moreover, the tremendous change of climate triggered by the increasing amount of carbon on the atmosphere, consumers’ awareness of environment leads to more environment-friendly development.

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Small businesses, especially the online ones, are hard to be separated from the technology nowadays. The more enhanced technology obviously influences how the small businesses’ pick their direction in the future.

The businesses even obtain many advantages from these technological advancements and there are some predictions regarding what influences these technologies will bring many entrepreneurs in 2011.

On the first prediction, there will be significant growing use of smartphone by many small business owners this year. They use smartphones on a daily basis and it improves the business with mobile technologies.

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