businesses understand how to get started in business, how to develop business plans, how to be able to put yourself in a position of planning for your business as much as running your business. a big part of what we do is the technical assistance and counseling work we do for folks interested in starting a business or those in the early stages who really need advice about where to go when you run into the wall, about financing, marketing, managing your business. that is an important role we play as well. another role we play is helping small businesses understand how to do contract thing, particularly with the federal government, but in a more general way, with all the public sector players. one of the things that small businesses always need is customers. one of the big customers out there is the public sector, but one of the challenges is the public sector on every level, federal, state, and local, are always difficult for small businesses to understand how to navigate the process of getting certified to do business, finding the right sources to be able to talk to and understand h

we are doing business with small businesses. we had $2 billion in procurements during the time i have been mayor. we have done 20% of those with small businesses. we are trying to live it in atlanta. >> there are a lot of resources available around the small business saturday movement. materials you can crank out. ways to put things on youtube and facebook. do you find small businesses are taking advantage of it? >> we are. we have a roll to play in educating people. we co-led a white house initiative that focused almost exclusively on entrepreneurship. we are starting a woman's entrepreneurship center in atlanta that is going to incubate 20 women owned businesses. we think we have a role to play in getting the word out. our programs and conversations like the one we are having now is so important. that's why i want to be a part of it. >> what do you think small businesses in your area and around the country can do to capitalize on small business saturday? >> they can advertise, advertise and use every means available. this real

[laughter] ♪ small business, why not have a small business? cannot live my life without you take my dreams i know you will use them and money, i know you will never money lose them, a business that shines i know you will make lots of dimes. and i know you will always do good, the part, it take my business cards, and take this and go all of the way ♪ and ♪ stand tall in your small business i know you are going to make it big time, and i want you to stand tall, in your small business will not fall, and you will make business though great now, and you can, business, stand tall in your business, small make it, and you will have in all ♪ thanks. president o'brien: thank you. next speaker. >> hello, my name is michael. i am a gay bar lager -- a gay blogger, and i am here about the problems of property. the harvey milk flag is on public property. unfortunately, it is controlled by a bully. the bully is the head of the merchants of upper market. this bully recently it stopped us from having a meeting with amy brown. she is the interim city administrat

business. the third c is capital itself. basically, how much of yourself had the-- how much capital haveu invested? if you are a startup, and generally, 30%. if you are an expansion, you are looking to expand your restaurant, that is generally around 20. the fourth c is capacity. capacity is pretty important. that is the ability to repay your loan. if we are going to be looking at a debt service, we look at a percentage of 1.25. for start-ups, we like to see startups near 1.25, generally closer to 1.5. the fifth c is collateral. i will put it to you this way. on a startup, we like to say 25% to 30% in the form of cash or real estate that has fungible equity in it. a purchase of real estate will count as collateral. pretty much, at wells fargo, we have this process streamlined. i am the front end. after i review the alone, i put it together, put it into underwriting. they will review the file and see if there is a loan file. then you have the of loan) who works with you through the end. so the a

business cards.illboards, and this guy even has a tattoo with the funny shaped square bar code. >> scan like this. >> they're called qr codes, short for quick response, and they are revolutionizing the way we get information on just about anything. here's how they work. all you do is create the code, more on that later, and put it some place where your customers will see it. they, then put their smartphone over the code and scan it. a special web page featuring your unique content instantly comes up. >> the most important step for a small business is to provide a great payoff to the consumer for interacting with a qr code. so make sure you provide special content that is not accessible otherwise. whether that's a special offer. or a special video that you can't access. that really rewards the consumer for going through the exercise of actually scanning the code. >> for the small business owner, the opportunity to crack the code, and tap this new market is relatively easy. >> they're very inexpensive

that's all coming up next on "your business." >>> small businesses are revitalizing the economy, and american express open is here to help. that's why we are proud to present "your business" on msnbc. >>> hi there, everyone. i'm j.j. ramberg and welcome to "your business." where we give you tips and advice to help your business grow. many of you have asked us what it takes to get your product onto the shelves of a major retailer. and so today, we're taking a closer look at that process through the eyes of a company in california. from almost the very beginning, this business pursued some of the nation's largest retailers in an effort to get them to stay yes. ♪ >> they started out with 16 items in our store. and they now have over 50. >> just an incredible brand. and we're so excited to have them as a partner. >> walgreens and target are both saying yes to yes to inc. >> it proved to be very successful for us. that's why we brought it inside the stores and kept it online, as well. >> the response immediately was phenomenal. but over time, the line has grown dramatically. >> walgreens'

-- but this is for how business can engage in business. that's pretty well winded down and so -- we'll be discussing the next phase will be really working with our neighborhood commercial corridors and how we work to market and promote them. so i'll conclude and submit the rest in writing to you. >> thank you. no further comment in this. next item, please prsm >> commissioners, the next item, i apologize from including it from the previous month. i believe i do have to call it and then we can move on. that was discussion of possible action to approve the office of small business 2011-2012 budget. that was approved by you last month. >> ok. next item. >> commissioners. item 13. legislative policy committee report. >> i was not aable to attend though i would like to defer to commissioner o'brien for any comments he might want to make. >> i'm not going going to make any comments. i'll refer to next month. >> next item. >> commissioners, item 12. committee report. >> we have nothing to report. >> item 15. outreach committee report. >> we did n

business minded. to impress your business partner. is a changing world. business. and with. international investment. on the thirty fifth. one thing is for sure business. trips so the something. great. comfortable. unique. so different but the. moscow. twenty years ago in the largest country. to serve two places of the. us had been trying. to teach began a journey. where did it take the. wealthy british style the sun and some time to. market on scandal find out what's really happening to the global economy for a no holds barred look at the global financial headlines tune in to cause a report on our. morning news today violence is once again flared up. these are the images the world has been seeing from the streets of canada. china operations to rule the day. it is senator rushes to vote through a plan to clear the way for a new government once silvio berlusconi steps down but many say the dead reduction measures are too late to keep one of the largest economies from falling into food stamps and greece and portugal. bombing for billions companies from countries that took part

businesses. then you don't have good jobs for the coal mines themselves. regulations does not help jobs. that is absurd. host: it sounded like you were talking more about the permitting process. does that deal with regulations? caller: the permitting process deals with regulations. i personally wrote 13 coal permits, of which 100 jobs on average were created at these 13 coal mines. we have a situation -- i am not making the argument that regulation creates jobs. it created one job for me at the time. now it is now there's not the one job doing permits, because you are not calling to get paid typically unless you're permit gets approved. there's not going to become a business unless the coal companies see a permit for getting their permit approved. most importantly, there were so many jobs on the backside of the actual approval, which now apparently have been completely shut off by the obama administration, which is totally anti-coal. you cannot even see those coal mines today. it's been reclaimed

around we're really doing business with small businesses. and we had about $2 billion in procurements during the time i've been mayor. we've done more than 20% of those procurements with small businesses. so we're trying to live it every single day in atlanta. >> there are a lot of resources available around the small business saturday movement. materials you can print out, ways to put nings on youtube, on facebook, do you find that a lot of small businesses are taking advantage of it? >> well, i find that they are. but you know, we have a role to play in educating people. i mean, we co-led a white house initiative that focused almost exclusive on entrepreneurship. we are starting a women's entrepreneurship center in the city of atlanta that's going to incubate more than 20 women-owned businesses. so we're focused on small and women-owned businesses, minority businesses. but we think we have a role to play in getting the word out. that's why programs and conversations like the one that we're having right now is so important. and that's why i

it is fortifying the business tax in the business registration of affirmation. thank yokim: thr the presentation. supervisor mirkarimi: i think this is a smart move, long overdue. the asseessor's office has been challenged and addresses have been provided by p.o. box. is there a way, especially those that might be absentee that on businesses from afar but are managed locally? i am curious if there is any data on the reality? >> for the licenses, the license itself, they will have to be a review of that. for the businesses, this will help us because for the business certificate that they have to maintain through the city, there might be a site in the city that is one location, but if they are a large corporation, we might be sending something back to the york. -- new york. supervisor mirkarimi: that is where the risk is where they are less responsive, going to p.o. boxes instead of specific addresses. that has been the charge for the city to collect in a more compliant away. >> if they are more than 30 days delinquent, by operation of law, there permit expires. s

is one of those business nations where business is booming. there for the majority of our guests are business travelers. they have here a business center they have conference rooms we have eleven. inference rooms and meeting rooms as well with all the facilities technical facilities. everywhere. everywhere businesspeople feel truly. truly at home entry room your met with a fragrant smell polish good interior and natural fabrics. this is a destination for royalty top foreign politicians celebrities in the jet setting and eat at. the ritz carlton hotel here ours is sixty six suites popular with other women from. all around the world everything is a tip for a special service is. printed document it's. menus all the. cons you can think of including various docking stations and a fully functional. there's a wide range of services for business travelers. private secretaries business centers where you can rent your office or office equipment conference schools and legal services also many major companies realize the growing need for language support

for business. travel if you want to stay close to the city center a lot you hotel in moscow as you are by the streets is a great choice yeah really is a thriving financial and shopping center it's also walking distance of the capital's major sites among marks the five star property group is part of korea's largest luxury hotel group and features three hundred more than swanky restaurants banquet halls and the spa. because. business services are provided in our canal grounds then i'd say meeting rooms an ability to organize a video conference and also a translator and think with the resources. the crew has quit is a project from a successful businessman and last i got a lot of it in two thousand and one he founded the crocus city complex a mosque is ring road to emmaus now hundreds of thousands of people a week visit the city within a city as it's called when for both business and pleasure the complex includes a business hotel and a large international exhibition center called crocus expo that featu

enterprise businesses. the department manages 50,000 lane miles of highway, 22,000 employees statewide. my operation here in district 4, it covers the nine bay area counties. as you can see in the map. which is about 7,000 lane miles of highway. we have the toll bridges that we operate. we have just under 4,000 employees. our budgets, our capital program ongoing at the present time with 155 contracts, it's about 4.6 billion. so there's a lot of work that is going on, and a lot of that is due to the toll bridge program. half of that is the repair of the various toll bridges that we have, and of course the biggest project, one of the largest public works projects in the nation is the span of the bay bridge that we're working on. in the district, we work with all of the 101 cities, with all of the nine counties that covers the bay area, with seven self-help counties, including the san francisco county transportation authority. we work with the 26-plus transit agencies that are in the region and with the condit

our client is business. the business. would like. it is a vibrant place to say the least and bordeaux will be the last of any this is his worries business moves quickly and many high end deals are made visits to the. city's elegant restaurants hectic meetings can even end up in the city's. mentioning soho rooms a must party scene that's if you get in the face control here suit and tie all glamorous dress aside is. one way to gain access is to be invited. into that group such as nations small world business club to name just a few. such. business minded. to impress your business partner. is a changing world. business. and with. international investment. in the thirty fifth. city one thing is for sure business. trips so it's something. great. to. come to. you. so different but the. moscow. downloads the official ante up location on the phone called touch from the stops to . watch on t.v. life on the go. video on demand ati's mind bold colors and r.s.s. feeds now in the palm of your. questions on t.v. dot com. and . in moscow top storie

for business. travel if you want to stay close to the city center the lottery hotel you are by the street is a great choice the area is a thriving financial and shopping center it's also one of the capital's major sites and landmarks a five star property group is part of korea's largest luxury hotel group and features three hundred more. swanky restaurants banquet halls and spa. various business services are provided in our club lounge the right to meet and ability to organize a video conference and also a translator and secretary services. crocus group is a project from a successful businessman. thousand and one he founded the crocus city complex a moscow's ring road and. now hundreds of thousands of people a week visit the city with a list city as it's called went for both business and pleasure the complex includes a business hotel and a large international exhibition center called crocus expo that features dozens of conference halls the complex also boasts a concert hall several shopping malls r

the lower income business people, the lower income businesses. that being said, i will support this. and the support to the work of supervisor cohen and president chiu. president o'brien: do you know what the legislation has, i am trying to remember, which would not be the first time. did we have anything to monitor the impact? i seem to recall there was something to do reporting to see how this affects things. >> correct. i brushed over what was new but in terms of the amendments, supervisor david chiu did have in his legislation for businesses to report on their expenditures. so, so that is still there. businesses will still be required in the amount of what they are making. the defined the details of what they will need to report on is still yet to, but the idea is to stay with your hra account, what are reimbursable expenses under your plan so that we can monitor and track that. we want to reiterate to the fact that the employee notification, the time of the employment and on a regular basis as also codified in the legislation. i want to than

administrative, business, and tax regulations, a business license fees. amending various sections of the san francisco business and tax regular -- regulation code, administrative code, fire code and police code. we have opening remarks by -- your file is the file number along with the legislative digest. >> good evening. my name is catherine and i am from the office of the david chiu who is the supervisor sponsor. as a business honor, and he has been focused on policies and legislation that will streamline the requirements that small businesses have to comply with. the legislation is one part of these efforts. for the past year, we have been working with the tax collector and city attorney and departments on a project to consolidate annual business. it is commonplace for businesses to receive multiple bills for the licenses they hold. this situation is confusing and inefficient. the proposed legislation will enable a consolidated bill to licensees and establishes march as the due date for all fees collected. they have to post the amount of fees on their w

our client is business. the business. is a vibrant place to say the least and will be the last of any this is his worries while the business moves quickly and many high end deals are made visits to the bank in the city's elegant restaurants hectic meetings can even end up in the city's various glitzy nightclubs. mentioning soho rooms a must party scene that's if you get in the face control here suit and tie all glamorous dress aside is. one way to gain access is to be invited. into that group such as intonations small world and the british business club to name just a few. such as so. you can night. and business minded. to impress your business partner. is a changing world. business. in the russian capital and with. foreign interests. as a few international investment. exhibitions. in the thirty fifth. city one thing is for sure. a trip to the russian capital is something. great. comfortable. journey. so different but the only one. false go. twenty years ago the largest country in. the suitable. one hundred more to come h

business partners invest in your business and new orleans invests in my business. people on the street, in the community, my friends, the businesses here. i mean, they want me to succeed. and, you know, and in ways that are beyond just capital investment. >> stick around. when we come back, we tell you what you need to know to export your products overseas. and what name did they choose for the playground business? we go back to asheville, north carolina, as we complete our small business makeover. shazi: seven years ago, i had this idea. to make baby food the way moms would. happybaby strives to make the best organic baby food. in a business like ours, personal connections are so important. we use our american express open gold card to further those connections. last year we took dozens of trips using membership rewards points to meet with farmers that grow our sweet potatoes and merchants that sell our product. vo: get the card built for business spending. call 1-800-now-open to find out how the gold card can serve your business. >>> earlier we introduced you to

the business tax. this is a tax that penalizes the cost of hiring folks and is only paid by want out of 10 companies and san francisco. 90% of our businesses do not pay their fair share. i've also been a sponsor of the vehicle license fee. i was very disappointed when governor brown yesterday decided to veto the legislation that would have given the localities the opportunity to decide whether to get revenue from that source. i've been a big proponent of getting revenue from dark fiber. under the streets of san francisco, we have an infrastructure that we could license to the private sector, that we could control from the public sector. we could stand to bring in millions of revenues from that. i want to expand that. >> one of the major beekeepers and our city through the local economy are the city planning and building inspection departments. i think we can do a much better job of being caught. norris. -- we could do much better job of being business owners. it is construction jobs, it prevents people

the office of small business has consulted with many small businesses, and the small business community recognizes that it is a stakeholder in providing meaningful health access along with noticing, reporting, and finds that the two-year accrual basis rollover will accomplish the goal in improving health access, and the commission strongly in forces the amendment. the small business community also recognizes that the january 1 will poll is a critical issue and must be addressed as soon as possible. the commission thanks supervisor cohen and david chiu for incorporating the recommendation to insure this issue is resolved beginning with calendar year 2012. in conjunction with the broader community, the sbc finds ending this condition promptly is essential to providing meaningful health care access to employees. the remaining amendments the small business commission support. i and the commission are also committed in working with office of labor standards enforcement as we implement this legislation and monitor businesses so they are utilizing the hra's and work with businesses to increase

that is about 900 or 800 businesses. 60% of those businesses are small businesses.is not wells fargo. it is small businesses on an economic level. while we do not agree with all of the amendments in the current legislation, we understand that this is a process. you do not get everything you want. what you try to achieve is a principal compromise. that is what this does. it addresses key issues that have been identified. it addresses the do not get sick in january problem that supervisor campos identified. it identifies the issue of notice to the employees. quarterly notices in writing of how they can use their benefits, what the benefit covers. that is going to be significant in raising the utilization rate. absolutely employers should be telling their employees what that benefit is. it also addresses the issue of consumer pride. if an entity is telling people that they are charging a fee for health care, they need to spend the money on health care. i want to clarify. it was the golden gate restaurant association that litigated against the city. that is not our inte

the office of small business, we have clients that come in with exciting and innovative business models that frequently do not easily fit into these singles zoning categories or we have entrepreneur is taking over an existing restaurant, only to find that their concept is not permitted and they have often discover this after signing a lease. as noted in my letter, simply stated, the current code is over complex, discourages compliance, and cannot prevent businesses from reaching their prodigious. since two dozen men, the small business commission has supported the implementation of many of these regulations. our offices work with supervisor mirkarimi and your staff on creating a limited life performance permits. the small business commission agrees that the findings are the cornerstone recommendation of number three, pertaining to overhauling the regulations for eating and drinking uses. small business commission finds that planning staff's proposal before you today is consistent with these recommendations, and we strongly recommend that the planning commission and the board of supervis

we go for business suits. we're a business operation, we're family. we give a lot of service that the others just can't do. that weekend is really good for us. it starts off the season, and hopefully, it'll be good. >> reporter: look no further than the book business to see the effect of competition. this season is the first in more than a generation without borders group. it went bankrupt after the last holiday season. at independent chain books and books, store manager march swanberg anticipates a good weekend. >> for saturday, it's going to be big. today is going to be big. we've had customers all throughout the week saying well be here. we'll be here for you on saturday supporting you. so, the expectations are big. very promising. >> reporter: one reason for that optimism may be an effort called small business saturday created by american express to spark shopper activity. >> if small businesses start to fall like they have in the past, everyone's just going to be dealing with internet type businesses that are so impersonal. i think it's very impo

our small businesses simply cannot afford to do business that way. and with that i would like to allow my colleague from california to come forward, mr. dunham. -- mr. denham. mr. denham: thank you for your leadership on this issue. we can't afford any more of the overregulation. regulatory burdens from new rules just this year alone have cost american taxpayers $93.2 billion. and one sfuddy found that each million dollars increase in the federal regulatory budget costs 420 jobs. overregulation costs us jobs around the nation. and let me just speak from my own perspective. 12 years ago i started denham plastics. something that my wife and i borrowed an incredible amount of money to start a vision that we had, supporting the agriculture industry with a plastics company. you know, it has been a tough road to hoe as a small business owner. certainly comes at great risk to our family. but it was a vision that we had, that we believed that without government intervention we can succeed in not only creating new customers but new jobs. but one regulation wo

business. 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, --