credit unions offer micro loans. we do a lot of micro loans up to $50,000. this is -- we check credit. we need a business plan. then we look at the three-year tax return and that statement. we do a lot of home care and mom-and-pop shops. we also do start ups. we asked for approval through documents. we work a lot with people who do not know how to file taxes properly. we are mainly focused in san francisco. we are small. we focus mainly on the tenderloin, chinatown, bayview, visitation. we do a lot of expansion. people start small through the credit union and then want to go to the bank. we know we are limited. we cannot afford to give out a big loan. starting from the credit union, we educate them about filing taxes properly and then moving on to the bank, a small one, expansion, and we work with the bank. the bank and credit union are similar. we do allow tax returns, projections. credit unions do not charge an additional loan or processing fee. processing time, on a small loan, -- consumer loans probably a few days. because we require a business plan, som

, 87%, but most of the micros are minority and women owned businesses.an go further than that and say that historically because of some institutional setbacks in our society, women and minorities have a harder time getting credit. it goes on and on. they remain small. i urge you to take this opportunity of this mindset and try to figure out a way to bring more work to the smallest, the micros, more set-asides and possibly some changing of the thresholds. >> chair: thank you very much. are there other members of the public who wish to speak on item number one. seeing none public comment is closed. (gavel) though i have a motion to amend the legislation as read in the record? >> so moved. >> seconded and we can do that without objection. this helps to address from component of the prompt payment process; other areas where we do think that we have room to move, we have room to look at what we require prime contractors to do with regards to submission, once they receive an invoice from a subcontractor. we have a lot more work to do around transparency and ho

just some highlights working down between the micro pile contractor and among the bracing at the far west end, the lower right-hand photograph shows you what is left after the micro piles are complete. those are the tensioning rods that run through the middle of the micro pile and will tie into the slab that will be poured in the below-grade structure and affect that whole down progress or the whole down design on the mat slab. zone 2 continuing bracing and excavation. they have gotten to 1st street in the left-hand picture. zone 3 they are excavating under the fremont bridge. the archaeologists are always on standby and those are areas that hadn't been disturbed in the top surface and they continue to find little things in that. and the overall picture of the east end where the buttress work is going on. the red circles now represent the buttresses shafts that have been eliminated. and the green obviously the completed,elo yellow in progress and we'll be up over 174 by tomorrow. you can see the production curve as we are just about right on where we should be. the quality control wo

one of the largest micro car checks up for sale.will show you some of the coolest rides, robert? >> reporter: thanks, bill. check out this drag racer. one of four cars in the world modelled after a hot wheels car. this one can you drive. it will be sold today as part of the largest collection of micro cars ever assembled and you will not believe the prices. that coming up next. >>> one of the world's largest collections of very little cars, very profitable cars, is going on the auction block this weekend. now with the micro cars, cnbc's robert frank. >> they are so darn cute and prices will wow you. it is amazing. micro cars have been the poor kuz cousin of auto collecting but not any more. the micro cars collect goes on sale today. sold by a candy mate. he collected 200 cars that could fetch in total more than $6 million. micro cars were built after world war ii when europe was short of money and materials but they are not cheap any more. here are some of my favorite. this 1958 fmr tiger, one of the fastest quote mezerschmidts in t

it operates one of the nation's largest individual development, programs, a leading provider of micro loans in california, and has a robust community real estate finance unit. next, we have the ceo of ne community federal credit union. since 1988, she has been the ceo of northwest community federal credit union. under her watch, the credit union group to over 1600 members. it has become the national model for institutions seeking to provide financial education and banking services to the low- income communities. last but not least, we have our conditional lender represented here by wells fargo. mark cyrus is the senior fda banker for the region -- the senior sba banker. he held businesses choose the best loans for the growing business and focus on a comprehensive understanding of their goals for their business. mark is responsible for helping entrepreneurs with sba loans every step of the way. i would like each of you to speak a little bit about what your organization does and, more importantly, address the audience here and let them know what your looking for when you are hoping to f

president is talking micro. let's talk about what it does.s our roads repairs our bridges, pays for our police and soldiers. wait a minute. those programs need to be supported. you're talking about social security and medicare, school funding. >> michael: it goes deeper. >> micro win force the democrats, and micro wins. >> michael: when you're talking about first responders, that is a page out of ronald reagan reagan/george w. bush. it makes me cringe on one hand, but then it worked for them. is this a smart thing to do. >> the american people are willing to pay money for certain government services. those services are things that they depend on every day. police. firefighters are the two most important in their mind. when that fire happens when that crime happens they want toes services right away. i don't know if it's a republican or democratic thing. i don't think it's skin tall. it's what the people are paying for. >> michael: i don't know if it's cynical, but it feels manipulative. >> why is it different. >> michael: it felt different to

this video from general dynamics one of the leading defense contractors in the us about their new micro drones that are about to hit the market. might grow in their vehicles or. will play an important role in the future warfare the urban battlefield calls for tools to increase the war fighters situational awareness and capacity to engage rapidly or syslog and with minimal collateral damage and they will be integrated into future reinforced layered sensing systems these systems may be airdropped for hand launched depending on the mission requirements. i'm sorry that plane just shoot out a bunch of little tiny drones terrifying really there are by and so these micro air vehicles or m. avi's are designed to deal with urban battlefields with the rapid precision the question is what urban battles are military fighting that they need this kind of creepy technology and for not shooting these things down there about this big. small slice of a maybe allows them to be plain sight once in place and then they can enter a low powered extended surveillance mode from missions lasting days weeks this m

environment more help ensure success on the battlefield of the future unobtrusive pervasive lethal micro air vehicles the capabilities of the future war fighter unobtrusive pervasive and a lethal so welcome to the brave new world kids and watch out for bugs because the next time you try to kill a fly it might kill you first. visit to. the go. don't for. how most fights. move to the traditional. food surprising new adventures. of lost. foreigners to celebrate the biggest holiday of the year. by train over new. miracles. live. live. live. live live. live live. live. live. live. live. to speak. to. her. live. i wish. you luck misleading good. luck. just say. it and. i come out bottom and a little.

>> as a micro lender, we expect the principles, the corporate form, to provide guarantees. >> personal guarantees. >> the same. 20% ownership in the company. [inaudible] >> [inaudible] >> i heard something about sba guaranteed loans. maybe i missed something. does that have to do with the sba guaranteeing the entity? >> the question on the sba guaranteeing a entity as the order of the business, whether it is a corporation or partnership, for any small business lending, you should expect to be guaranteeing that long personally. as a small-business owner, from a lender's point of view, we want to see that you are as invested in the business as you are asking the bank to be. the idea that non recourse loans, the way you describe it, loans that you get without having yourself personally liable is not the way it works. you should assume you will guarantee the loan regardless of the structure of your business. the good news, though, for businesses like you are describing, internet business, is that the capital requirements for that type of business is generally small. you are able to get you

when it is a requirement of 50,000 or less, i tend to call of the micro guys to help me out. that is right in their box. for us, the capacity for us to do the smaller side is not there as much as it is for them. on getting a loan through my side of the bank, i do not require an account to do that. we would like to have it, but i do not require it. >> last question for the opportunity fund and a critic representative. are you a cdfi? is san francisco and s.p.a. in support of cdfi's being established in san francisco? >> yes, we are. we were founded in 1999 with a small business loan. that is how we started our tenderloin office. >> opportunity fund is a certified cdfi, so we are providing a benefit to low and moderate-income communities. he is the city establishing support for new cdfi's? >> mark wanted to address that, in support of cdfi's in the city. >> we have a wealth of partners in the city. s.p.a. is just now rolling out a program for r -- will be the case by the summer. let me get one last point and on the question about relationships to lenders. the question was, do h

let me mention ap geny and found an important bank and the inventor what we call the micro credit and helped the city recover from the big earthquake of 1906. guy mo roller who was the founder, established the opera in san francisco, by the way there's an italian directing the opera and laurence fergetty and 93 and good friend of the community. he is the father of the b generations and the guy that started the culture revolution of the 60's and 70's so in many ways italians have made lasting contribution to this city and the silicon valley. there is an important engineer that developed the first micro prosser for intel, so it's a tremendous foundation to celebrate italian culture 2013. also i was reminded by our pastors that san francisco gets its name from an italian man and holly man. it is noted. >> >> for kindness and compassion and generosity and i think these are traits that this city has adopted and made its own traits , so this is not to be under scored, not to be forgotten. what are we going to do in the coming year? basically we have three principles, three guidelines. we wa

remove offensive content but the authors were anonymous and punished so french jews brought the popular micro-blogging site to trial the court decision in january asked the company to divulge the names of people behind the tweets the fight against racism has nothing to do with the violation of freedom of expression it is an american concept and it cannot be applied in france in the way it is understood in the us we just wanted this part of our life to obey this country's legislation which prohibits public racism but not everyone agrees if freedom is limited they say it's no longer freedom jeremy of jewish origins himself is one of them he says greater liberty shouldn't bring more restrictions but a different approach to controlling the internet you have twitter a private company that may be acting as a judge. deciding what is legal and what is not and removing content which is censorship so i agree that this content should be combated but i don't agree that the private companies such as twitter should implement private or censorship of free speech online this is a major risk today this story has spark

in one country isn't ok you know this and that's getting twitter in trouble fronts has ordered the micro-blogging site to reveal the personal data of users who posted what were deemed to be hate messages will pay a hefty fine but twitter is an american for writing on the u.s. laws. examines now the implications of a move which could open the censorship floodgates. two democracies stumbling over the concept of freedom the french court has called on twitter to help censor hate speech on the website in france because it violates its laws the tweeter is an american company and the american constitution sets no limits to freedom of expression given that the french words as we wired to do that the question is how can the french enforce this judge those decision when the union of jewish students of france took the issue to paris cotton october they wanted to stop away with and to semitic messages posted under the hashtag on bones we are a good jew it was the third most popular tagged subject of the time the number of insulting jokes reach thousands but these people all of whom have at least once been at

micro-chip's gear is used in the automotive and industrial markets. also helping tech stocks was apple's 1.4% gain. shares have seen some buying this week after their steep fall since late january. and hewlett-packard gained 2.6% was the best among dow stocks. late today the largest outside investor in dell said it does not support the $24 billion deal to take it private. southeastern asset management owns about eight and a half percent of dell. it said the deal "grossly undervalues the company." boeing warned customers that deliveries due very soon of its dreamliner 787 could be delayed. regulators are still working to identify and fix the lithium batteries catching fire. shares dipped 1.1%. earlier this week shares were less than a dollar away from a new 52 week high despite the problems with the dreamliner batteries. a day after new jersey governor chris christine got behind an effort to legalize online gaming in the garden state, caesars shares continued climbing. the stock rallied 38.1%. volume increased almost 20 fold. the proposal would allow a

and, you know, without knowing him, one would assume, based upon that piece, that he micro manages.t speaks to whether he wants to scale the business or not, and if he wants to i'll ask, he has to figure out how to hire great people. >> that's one of the issues of hiring. if you're hiring someone to service a fish tank, you're sending them out on their own. how do you know they're good? >> he has people sending e-mails showing that the tank is clean. but there should be someone other than him reviewing those. it seems like that's something that can be pushed down the chain a little bit. yes, he should go with them the first few times, but in the end he maybe needs to look at his hiring and sort of bring it up a step. >> think of some sort of training renl men that allows -- you know, there's consistence out of expectations as dkimberl said before and have it set. but to have a manager would also be the head of service for this kind of a business. >> this was a good piece. nice conversation. thanks, you guys. >>> some small business owners will be watching the festivities on the osca

we went out with the -- we spearheaded the micro joc where it's a micro set aside for small businesses. and we've looked at bonding issues on joc. so, we've done a lot to really make joc, you know, palatable to a lot of small businesses. and what miguel mentioned, we are very proud about that. i think the issue, you know, as far as the audit is concerned is actually pointing out some things that we acknowledge and there are some thing we want to fix. there are some things we don't agree and we've said much that we don't agree, i think on one issue. but we i think -- we will take the responses of the contractors and also the gordon group and the ah auditor to make sure we address their issues. but i think overall it's a great program. it gives us the ability to do projects faster and save the rate payers money. >> i think local business is being the contractor is a very important step. it's very hard to find in any other municipality, quite frankly. all right, thank you. >> thank you. >> appreciate it. any other comments, public comments on item 5? commissioner vietor. >> there's a lot

ademas, la suave micro-corriente proporciona una energia termica a las areas dermicas debajo de la superficiela temperatura puede ayudar a mantener la apariencia natural y saludable de la piel. tambien genera oxigeno enriquecido, el cual baÑa la piel mientras lo usan, y reconoceran el aroma; es esa fragancia fresca que se percibe despues de una tormenta. el oxigeno enriquecido, es un limpiador natural y ayuda a darle una apariencia tersa y juvenil. >> en la industria del entretenimiento es muy importante que tan joven te ves. y con dermawand siento que tengo la oportunidad de competir. lo uso cada noche rigurosamente. mi piel brilla, queda tersa. es una sensacion maravillosa, fresca y cuando termino siento que he hecho lo mejor que puedo hacer por mi piel, y al verme en el espejo, se que lo hice... me encanta, no puedo dejar de repetir lo mucho que amo dermawand. >> use dermawand donde quiera que su piel este opaca y poco atractiva... en su cuello, su escote, atras de sus brazos. con una buena crema reafirmante, lograra maravillas detras de sus piernas. tambien, si se ha hecho una cirugia cos

micro for $400. n. what is alaska? you're right.

its unique micro-clean formula kills 99.99% of odor causing bacteria and helps dissolve stains cleaning in a better way than brushing with toothpaste. that's why dentists recommend polident. [ male announcer ] polident. cleaner, fresher brighter every day. >>> welcome back, here's the five-day forecast with marty >> it's going to be pretty mild for the weekend. we tacked about tomorrow's potential. 47 saturday, 40 saturday. sunday is going to be a cold february day with temperatures down in the mid-30s. other than this, pretty much at or above norm. i'll throw it back inside. >> >> open two more shopping days, marty bass. >>> don't miss our prime time lineup at 9:00. we'll have live coverage of president obama's state of the union address and followed by -- >>> if love is a battlefield, your banking account is a casualty especially around valentine's day. according to a new study, $18.6 billion will be spent on valentine's day this year. researchers say the average men are spending twice as much as the average women. >> not at our house. >> >> we are defying the odds at our house >> tha

now in micro pack. you may be muddling through allergies. try zyrtec-d®.ul relief of nasal congestion and other allergy symptoms -- all in one pill. zyrtec-d®. at the pharmacy counter. the freshenator. the buddy system. the do si go. the two-handed tango. el cleaño. [ female announcer ] nothing leaves you feeling cleaner and fresher than the cottonelle care routine. try it. then name it. uh, hey. i'm bob. lked at the tax store. i did your taxes. well, i thought you were a tax expert. ( female announcer reading ) ...than all major tax stores combined. >>> welcome back. kelly ripa, elon musk and music from the mowglis. a dad made a video of his son making shots. it became a viral sensation. almost 9 million views on youtube. then they got cocky. they went on the "today" show. and titus shot like a 2-year-old. so that night on the show, i pointed that out. and the next day titus' dad responded with this. >> hello, jimmy kimmel. trick shot titus' dad here. i caught your show the other day. i saw that up titus stinks without editing. now, i could point out that

y les cuento que dc united, termino un micro ciclo de trabajo acÁ en el area para viajar a la florida mejor clima y para participar en el clasico de disney, su primer partido serÁ maÑana contra el rowdies de tampa bay, el miercoles 13 se enfentaran al sporting de kansas city y cierra el sabado 16 contra el impact de montreal. el ultimo partido de pretemporada sera el 20 de febrero cuando enfrenten al union de filadelfia. dc united que ya no tendra a andy najar tendra su primer partido de la temporada regular de la mls el sabado 2 de marzo y de vista en houston contra el dynamo. uno de los objetivos principales de los grandes clubes de europa es fichar al jugador de la selecciÓn de brasil, neymar. algunos medios seÑalaron que el manchester city le ofreceri Ía un cheque en blanco para que la joya de la "verdeamare lha" fichara con ellos, sin embargo, el barcelona ya tendrÍa blindado al jugador y si algÚn club quisiera arrebatÁrselo tendrÍa que pagar 120 millones de euros a los blaugranas. de acuerdo con mundo deportivo, barcelona, ya tendrÍa un trato con en el jugador para cuando decida

its unique micro-clean formula kills 99.99% of odor causing bacteria and helps dissolve stains, cleaning in a better way than brushing with toothpaste. that's why dentists recommend polident. [ male announcer ] polident. cleaner, fresher, brighter every day. >> closing arguments are under way in the case of michael johnson. he is charged with killing a doctor like a teenager phylicia barnes. the 16-year-old was reported missing in december 2010. one year later, her body was found floating in the susquehanna river. stay tuned to 11 news and wbal for the latest. forget all the flacco frustration, never mind the quarterback controversy. joe is now a super bowl mvp. 11 touchdowns, zero interceptions, and won mvp trophy. >> it has not sunk in. crazy. tough to put into words. i do not even think it has sunk in that we are here, let alone one the thing. >> i am a joe flacco fan. i was a fan of him always. for him to come in and make some of the throws that he made, that is what we have always seen. coach >> john harbaugh appeared on "today -- >> coach john harbaugh appeared on "today," and prai

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its unique micro-clean formula kills 99.99% of odor causing bacteria and helps dissolve stains, cleaning in a better way than brushing with toothpaste. that's why dentists recommend polident. [ male announcer ] polident. cleaner, fresher, brighter every day. >> tonight at 5:00, it was late breaking in the last half hour -- perry hall shooting suspect robert gladden jr. will remain in the adult court system. police are releasing new details about the murder of a 2-year-old child in annapolis. how detectives say that chelsea booth killed her daughter. and the storm affecting the baltimore region today. that is tonight at 5:00. and now your maryland lottery numbers. >> happy friday. i am sarah fleischer from 98 rock. time to play your pick three games. we would get to your pick four game in just a moment. the bonus match 5 doubler is back to visit your favorite retailer and play bonus matched five today. bob diamond is set to go with your pick four numbers. the maryland lottery -- let yourself play. >> the storm is beginning to pull to the northeast in a little bit. we may see should now ou

its unique micro-clean formula kills 99.99% of odor causing bacteria and helps dissolve stains, cleaning in a better way than brushing with toothpaste. that's why dentists recommend polident. [ male announcer ] polident. cleaner, fresher, brighter every day. >> is clean up time after blizzard conditions hammered the wind west on monday. dozens of cars ended up in digits in minnesota and at least two people were killed due to dangerous weather conditions. the same storm battered north dakota, leaving slick roads. some had to be shut down after several rollovers and crashes. we now know what caused the engine room fire that left thousands stranded at sea. a coast guard says a leak in the fuel return line started the blaze. the fuel oil sprayed onto some hot surface and caught fire. it was supposed to be a four day trip but the engine room fire but the ship disabled and stranded for five days. investigators in florida are trying to figure out what cost to gas pumps to burst into flame. a driver passing by this station in florida capture this video. some vehicles were near the claims -- near

y les cuento que dc united, termino un micro ciclo de trabajo acÁ en el area para viajar a la floridaa participar en el clasico de disney, su primer partido serÁ maÑana contra el rowdies de tampa bay, el miercoles 13 se enfentaran al sporting de kansas city y cierra el sabado 16 contra el impact de montreal. el ultimo partido de pretemporada sera el 20 de febrero cuando enfrenten al union de filadelfia. dc united que ya no tendra a andy najar tendra su primer partido de la temporada regular de la mls el sabado 2 de marzo y de vista en houston contra el dynamo. para finalizar les cuento que asesores anticorrupciÓn de la fifa pidieron hoy al presidente de la organizacion joseph blatter que "demuestre liderazgo" y no debilite los esfuerzos para reformar el organismo rector del fÚtbol mundial. hasta aqui los deportes, feliz fin de semana para todos. no nos cambien...en seguida regresamos con tada la informacion del entretenimi el washington autoshow 2013 ha traido no solo tecnologia automotriz sino tambien a varias estrellas como es el caso de randy orton... además de ser una estrella de

its unique micro-clean formula kills 99.99% of odor causing bacteria and helps dissolve stains, cleaninga better way than brushing with toothpaste. that's why dentists recommend polident. [ male announcer ] polident. cleaner, fresher, brighter every day.

now in micro pack. you may be muddling through allergies. try zyrtec-d®.ul relief of nasal congestion and other allergy symptoms -- all in one pill. zyrtec-d®. at the pharmacy counter. the freshenator. the buddy system. the do si go. the two-handed tango. el cleaño. [ female announcer ] nothing leaves you feeling cleaner and fresher than the cottonelle care routine. try it. then name it. uh, hey. i'm bob. lked at the tax store. i did your taxes. well, i thought you were a tax expert. ( female announcer reading ) ...than all major tax stores combined. (woman) 3 days of walking to give a breast cancer survivor a lifetime-- that's definitely a fair trade. it was such a beautiful experience. (jessica lee) ♪ and it's beautiful (woman) why walk 60 miles in the boldest breast cancer event in history? because your efforts help komen serve millions of women and men facing breast cancer every year. visit the3day.org to register or to request more information today. it was 3 days of pure joy. ♪ and it's beautiful has oats that can help lower cholesterol? and it taste