in general, to the lenders, what type of vanity do you traditionally see approach you for loans, an llc, corp., and who is liable, for whose borrowing the money? >> as a micro lender, we expect the principles, the corporate form, to provide guarantees. >> personal guarantees. >> the same.

in general, to the lenders, what type of vanity do you traditionally see approach you for loans, an llc, corp., and who is liable, for whose borrowing the money? >> 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,

an episode of the big bang theory at 10:30, then eyewitness news at 11:00. send comments to comments@captioncolorado.com captions by terry james, caption colorado, llc. >>> andinally this noon starbuck's plan to put extra -- put an extra something special n your coffee experience gained new steam. the brand is expanding their locations where beer and wine is offers. starbuck's is doing a test run in the pacific northwest for over a year. that is served in the afternoon and evening. >> i am surprised they don't have bailey's because you know who would love bailey's in their coffee? >> it certainly does. >> it really does. it gives it this nice nice smoothness. >> i know, right? >> i like it myself. >> you could put a few extra things in there too. >> or just strong coffee. >> or just strong coffee. >> have ,,,, on my journey across america, >> or just strong coffee. >> have ,,,, i've learned that when you ask someone in texas if they want "big" savings on car insurance, it's a bit like asking if they want a big hat... ...'scuse me... ...or a big steak... ...or big hair... i think we have our answer. geico. fifteen minutes could save you fifteen percent or mor

>> caption colorado,llc 300 -- >> caption colorado, llc comments@captioncolorado.com >> pelley: tonight, troops move in to rescue an american town. in a strange winter, cordova slaska, is under 15 feet of snow, while most of the lower 48 are clear. cerns out there's a reason. aen tracey and cynthia wars are covering. undefeated mitt romney rolls into south carolina. can his conservative opponents stop him there? jan crawford and bill whitaker report. who's killing iran's nuclear scientists? another died today. david martin is on the story. and the first lady talks to gail king about life under the spotlight. >> that's been an image that people have tried to paint of me since, you know, the day barack announced that i'm some angry black woman. captioning sponsored by cbs this is the "cbs evening news" with scott pelley. ov pelley: good evening. ns begin tonight in an mesh town where the military has set out to move mountains, mountains of snow. cordova, alaska, population 2,200, is buried under more than 15 feet of snow that has fallen iter the last few weeks. now it has started raining, making the snow even heavier

an elderly man wound up 3,000 miles from home. we'll have that and much more at 6:00. >> caption colorado, llc c comments@captioncolorado.com & %f0 >> pelley: t a >> pelley: tonight, it's a battle for the nomination. romney's lead evaporates in south carolina. but could an ex-wife stop the gingrich momentum? reports from dean reynolds, jan crawford and john dickerson. allen pizzey at the italian cruise ship disaster. new audio tape raises more questions about the captain. new guidelines for heart patients-- dr. john lapook with everything they need to know about sex, but may be afraid to ask. and did the rules of war cost a wounded soldier his life? >> my husband laid there, wondering why nobody is coming to get him. >> pelley: david martin on whether changing those rules could save lives. captioning sponsored captioning sponsored by cbs elles is the "cbs evening news" with scott pelley. >> pelley: good evening. >> pelley: good evening. mitt romney has just found out that you can't count on anything in politics, not even the elections you win. today iowa republicans took away his victory in the caucuses, and his lead heading into

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geniuses start working on because i can deteriorate an entire block value on purpose deliberately and be protected by the courts. they flip from llcto llc which starts the legal clock running all over again. is a wholly un-american way way to treat your neighbor and yet the cause of this preoccupation with people's private property rights, we allow entire neighborhoods to be penalized. and so what i would like is for people who are a lot smarter than me who are legal beagles to start working on ways to take robert he from people who are purposefully gaming the system to the expense of all the other people working harder and playing by the rules. it's wrong and it should stop and somebody has to figure out a way around our love affair with private property because it's not private property, it's a purposeful, diminishment of everybody else's private property. so who can we turn to to change the laws? >> let me comment i saying that i'm not an attorney, so that is totally out of my realm. but, as far as i know we are on the ground seeing what communities are doing. we are taking actions on tax foreclosure so -- [inaudible] >> i will

geniuses start working on because i can deteriorate an entire block value on purpose deliberately and be protected by the courts. they flip from llc to llc which starts the legal clock running all over again. because of this preoccupation with people's private property rights, we allow entire neighborhoods to be penalized and so what i would like is for people who are a lot smarter than me who were legal eagles to start working on ways to take property from people who are purposely gaming the system to the expense of all the other people who are working hard and playing by the rules. it is wrong and it should stop. somebody has to figure out a way around our love affair with private property because it's not private property. it's a purposeful, diminishment of everybody else's private property, so who can we turn to to change the laws? .. one is the challenge all of you are dealing with on a daily basis its families in trouble, servicing errors that you've taken through your office is on a day-to-day basis. it's in negative equity, all these things are up front and center in your mind. the other side of this is the future of housi

llc comments@captioncolorado.com >>> good morning to our viewers in the west. it is thursday, january 12th, 2012. we have a bad cold and a worst voice, i'm charlie rose. an uproar after the governor of mississippi pardons killers and other criminals as he walks out of office. our own jeff gloor has the late-night developments. >> i'm gayle king. when i see you at 8:00. bravos andy cohen stops by. >> and i'm erica hill. the republican candidates get tough in south carolina and someone who knows all about that, senator john mccain is with us on set. the government shuts down the importing of orange juice over safety concerns. >> but first as we do every morning, we begin with a look at today's "eye opener" your world in 90 seconds. >> any future governors, you don't do this thing. you have to read the law before you do that. >> a mississippi judge steps in to keep criminals behind bars after an outgoing governor grants nearly 200 pardons. >> including more than two dozen convicted of murder, manslaughter or homicide. haley barbour gave no reason. >> he ran the state like boss hog. >> that's the coward's way out if you ask me. >> the military investigates s