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

no es mÍo este micro.o positivo de un restaurante fast food, eso también es noticia, ¿no? subway es el primer restaurante con comidas certificadas por la american heart association, cumpliendo con las estrictas normas que van más allá de las calorías. busca el "heart check" en muchas comidas fresh fit de subway. subway. come sabroso y fresco. ...n muchas comidas fresh fit de subway. music: swells presentamos el layaway gratis de kmart. que mejor que ahora para ir de compras. >> bravo! [aplausos] >> valedor, ya estÁ. nuestro programa de la hora pico: >> se vistiÓ de plata y oro. >> porque estuvo con nosotros... >> el mÍstico ¡ [aplausos] >> te lo juro de dios que es el luchador al que mÁs admiro al que masÉ quiero... >> ya cÁlmate, cálmate en buena da. >> cÓmo te sentirÍas... (risas) >> muy bien. gracias a dios. me siento muy a gusto. como en mi casa. creo que todos ustedes me apoyaron mucho y... me gustÓ estar con ustedes y mÁs que nada gracias por la invitaciÓn. >> gracias a ti, sinceramente. si no tienes

if we cannot, i look for the micro guys to help me out with the smaller loans. it is a collateral loan that we cannot do, i do what i can. we are here to lend. >> thank you. hopefully, people have their question cards. i am going to open it up to the audience. if you have written a question down, please give it to us so we can start compiling them. if i see a repeat questions, it will help to expedite the process, answering those questions that people want answered. we have some of the best and brightest minds here. don't be shy. if you could do us a favor and use the microphone so that everyone can hear your question. >> you had mentioned about assistance in public contracting. for small companies, one of the issues is bonding. what do you do on that? >> for all public contracts, public agencies need to see that there contractors have bonding in order for them to demonstrate they can complete the contract. sba provides an insured bond guarantee to those who do bonding to small businesses on public contracts. so there is an sba program on a maturity bonding, sim

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

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

i think the question is about what are the regulations around here to peer food, some of the new micro on to buy nor opportunities like food carts, etc. -- micro entrepreneur opportunities. >> i think that is really forward thinking. looking at food trucks, we streamlined the permitting process to make that quicker and better and faster process. that was obviously a very open process to make sure we resolve some of the tensions with others in the space. i think what you are talking about are things like underground sf, which i would be part of. i personally think it is a great idea, but obviously, we need to protect public health, and i think it is an area for more discourse and look at how we manage that, how we ensure safety in our communities, get, allow for this micro entrepreneurship and innovation happening at an individual level where people may want to make jams or jellies or some of the cool idea about food -- >> chocolate. chocolate. >> [inaudible] there is legislation that has been introduced in the state of california called the california homemade food act. i am actually c

micro climbed nearly 6.5%, a three-week high. google's dominance in online search is raising some eyebrows at the federal trade commission. regulators are reportedly looking into filing an antitrust case against the company. travel and shopping sites are allegedly concerned by rising advertising expenses to get better placement. shares in google have been backing off there an all-time which they hit last week. they ended down nearly $7. travelzoo is trying to strengthen its market position in the online travel space. it's reportedly exploring the purchase of a hotel booking site to beef-up its offerings. travelzoo also said it would miss quarterly profit expectations when it reports results on the 25th. investors bailed on the news. the stock sank almost 15% back towards its lows for the year. some encouraging news in the drug development arena. u.s. regulators approved the use of celgene's breast cancer drug to also include treatment for one of the most common forms of lung cancer. shares of celgene advanced about 1%. biogen i-d

is filled with micro greens. >> the micro green business has increase to the point that we now have a dedicated house for it. >> a ruffalo basil red russian kale. just two weeks after planting, they are ready to eat. vapo90% of his sales go to chefs, but consumer demand is up after usda and university of maryland researchers discovered for the first time how much nutrition is packed into these seedlings. they measured the levels of vitamins a, k., c. the results were surprising. >> the nutrition level in the young seedlings are 4-6 times higher than their mature counterparts. >> we knew it was not a fruit because we hadn't -- a flip because we had enough replications of the study again and again. >> radishes, red cabbage and cilantro scored highest overall. all 25 micro greens are packed with nutrition. the researchers suggests adding them to sue, salads and sandwiches. for more about the micro greens you might want to incorporate into your diet, go to our website. pamela brown abc 7 news. >> how about that? the smaller the vegetable, the better. >> you will have to suck them down l

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

advanced micro devices tonight cutting its third-quarter revenue estimates by 10%. it blames the sluggish global economy for weak sales across all of its product lines. tomorrow, our friday "market monitor" guest say2013 will be a year of revitalization for the u.s. and emerging markets. he's jim paulsen of wells capital management.

a chip maker advanced micro devices is slashing 1800 jobs nearly 15% of the work force. the cuts announced as amd reports revenues dropped 25%. the qp blames a market for losses. amd is the second largest maker of micro processors of pcs. >> more corporate earnings by blue chip companies sent wall street to its worst day since june. all three were off about two%. saying that tumble closing just 13,344. nasdaq gave back 67. s and p fell 24 points. >> transportation officials using new technology to fight congestion here in the bay area. the goal here is to reduce traffic time and congestion for the nearly 300,000 car that's travel along i 80 every day. when completed project will include new technologies including variable speeds and lane use signs. and metering lights based on traffic flow. >> this will help us better monitor traffic, communicate information to a central location and respond to changing conditions while advising drivers of conditions ahead. >> it affects traffic and expected to be finished by 2014. >> it's due or die for san francisco giants tonight in s

also helping to educate the distinction between the micro lender, our bank, and our larger financial institutions and how those lending -- what is the difference in how this entities will lend, in addition to the sba loans that are available. also in response to the economic crisis, which hit a couple of months after we open our doors, the mayor reinstated the revolving loan fund, and we partnered with tmc working solutions, which is a micro lender, to provide a loan fund for start of an existing businesses to help them. today, that loan has given out 23 loans, and they are averaging around $15,000 or $25,000 each. another unique thing that the city is doing in terms of helping our businesses and dealing with capital needs is as a city, sometimes, we implement regulations, and you would think that might require some substantial capital for small businesses to do an understanding that a lot of our very small businesses may not have the capital means to be able to implement those regulations. a new one that has just been implemented is there is the fats, oils, and greece requirements t

>> inquiring minds including the presidential campaigns want to know because of something called micro targeting. this is the new frontier in personalized campaigning. it works by finding often baffling correlations between the stuff you like and who you're likely to vote for. here's abc's john donvan. >> are you ready to go? >> as this tight election heads towards a photo finish in 15 days there are two presidential campaigns taking place. there's the one you saw tonight on the debate stage. it's also there in the tv ads and the big speeches. but then there is the other campaign, a stealthier one where messages get tailored just for you and are delivered not in front of the tv cameras but right to your mailbox. >> they'll have a prediction of the likelihood you're a gun owner so the campaign with can make sure when they're talking about gun rights they're sending it to someone who likely owns a gun. >> their neighbor will get something else, get something not at all. >> reporter: called microtargeting sass sasha eisenberg brighter of "the victory lap." >> you can have a different conv

. >> it is down to micro-managingng and micro-issug these folks. republicans had a better ground game in 2004, and a lot of people think that is why they won that close electio and it fell into disrepairhey are building it back up now, bbut i don't think they are anywhere near where obama is yet. >> which candidate as the mt enthusiastic and engaged, most dedicated supporters colby? >> that is a hard one to answer. i think that clearly after the first debate, the republican party had really enthusiastic supporters. romney did d do well comred to obama. there was disappointment with prident obama in n thee democratic ranks aer the first debate. i think he has start to regain some of that with the last two performances, but that has said --he first debate has had a tremendous impact. >> but wherever obama goes, you hear him say, out and vote, you have to vote. >>>> on the votes that have low turnout rates. blacksand hispanics are people that he needs, and that catapulted h to the top in 2008. remember, there was a big turnout in 2 2008. those people

we're passionate about the idea of micro entrepreneurship. we have created over 1000 jobs for people in san francisco to set their own schedules, say how much they want to be paid, do what they want to do. we're proud to be here, part of the sharing economy, and hearing from you guys as well. >> i am the director of public policy at air b &b. it is an online community market place where residents can lift their haul -- list their homes for rent when they are out of town. i am travelling next week and plan on listing my apartment for rent to a visitor. these hosts are in 19,000 cities. the use the income to afford the increasing cost of living, whether paying off your mortgage, paying rent, or expanding income. travels who use the service are looking for a different experience from a hotel. we have hosts in every single neighbor had in the city -- neighborhood in the city that offers authentic experiences. the hosts take pride in being unofficial ambassadors of their neighborhoods. the visitors enjoy the experience. the state average of five n

. >> it comes down to micro- managing and micro-issuing these folks. the republicans have a better ground game in 2004, and a lot of people think it that is why they won that close election, and it fell into disrepair today are building it back up now, but i don't think they are near where obama is yet. >> which candidate has the most enthusiastic, the most in gauge, the most dedicated supporters, colby? >> that is a hard one to answer. i think that clearly after the first debate, the republican party had enthusiastic supporters there. romney did it do well compared to obama. there was disappointment with president obama within the democratic ranks after that first debate he has started to regain the next two performances, but that first debate had a tremendous impact. >> wherever he goes, you hear him say that you have to vote. >> he counts on groups that have low turnout rates paid blacks, hispanics, young people, people he needs and that catapulted him to the top in 2008. there was a big turnout in 2008. those people lacked passion and he needs to f

it showers your whole mouth with rich micro-active foam.of germ-killing bubbles seek out hard to reach places and help kill the sources of bad breath then rinse clean away leaving a cool tingling that just won't quit extreme clean from aquafresh. take the feeling of clean to the extreme. on gasoline. i am probably going to the gas station about once a month. last time i was at a gas station was about...i would say... two months ago. i very rarely put gas in my chevy volt. i go to the gas station such a small amount that i forget how to put gas in my car. [ male announcer ] and it's not just these owners giving the volt high praise. volt received the j.d. power and associates appeal award two years in a row. ♪ >>> welcome back, everybody. some breaking news now in our continuing coverage of hurricane sandy. this from the borough of queens, new york, where a fire there has destroyed at least 50 homes. no word yet on exactly what sparked the fire. strong winds, though, from the storm are making it difficult for the nearly 200 firefighters on t

more and more micro brewers are entering the scene.there were only four. the micro brewers are operating in a saturated beer market with overwhelming competition from large, traditional german breweries. the research and teaching institute says more and more customers are looking for something unique. >> people feel there must be something more. and also in germany, i think, we have so much deep history in beer brewing that also the people want to have -- that participate in this passion for beer. >> the micro brewing trend came to germany from the u.s. for phillip, it is a chance to live out his passion. he let me sample his current array of brews. >> this is the special beer, right? >> special beer. it changes every one to to two weeks. it depends on the amount, what depose out from the tap. >> okay. so i have to try this one, as well. i'm sorry. normally, i don't drink at work, but i know this is part of the job today, to drink at work. that's very good. and with micro breweries like hops and barley thriving, it seems inevitable, ma

it showers your whole mouth with rich micro-active foam. thousands of germ-killing bubbles seek out hard to reach places and help kill the sources of bad breath then rinse clean away leaving a cool tingling that just won't quit extreme clean from aquafresh. take the feeling of clean to the extreme. on gasoline. i am probably going to the gas station about once a month. last time i was at a gas station was about...i would say... two months ago. i very rarely put gas in my chevy volt. i go to the gas station such a small amount that i forget how to put gas in my car. [ male announcer ] and it's not just these owners giving the volt high praise. volt received the j.d. power and associates appeal award two years in a row. ♪ >>> welcome back, everybody. some breaking news, now. our continuing coverage of hurricane sandy. this from the borough of queens, new york, where a fire there has destroyed at least 50 homes. no word yet on exactly what sparked the fire. strong winds, though, from the storm are making it difficult for the nearly 200 firefig

weaker than expected demand-- that's what advanced micro devices said tonight as it cut third-quarter revenue estimates. the computer chip maker says a sluggish global economy is hurting sales across all product lines. amd now sees revenues falling 10% to around $1.3 billion. the shares ended the regular trading session up slightly at $3.20 a share. for the year, they're down 41%, and in after-hours trading tonight, they fell below $3. the a.m.d. warning comes as we see personal computer sales in a nosedive. two research firms are out with new data showing p.c. shipments in the latest quarter fell more than 8% from a year ago. that's the steepest drop in a decade. is it because consumers and businesses simply are holding off buying computers until the launch of windows 8 later this month, or are desktops becoming obsolete? erika miller reports. >> i use my phone for pretty much everything-- work; talking to family, you know, around the world; facebook, of course; twitter, social media, things like that. >> reporter: sound familiar? we americans love our smart phones and tablets, and w

abc's nick watt shows us life inside the micro home of the future. >> reporter: sick and tired of yourd quarters. then stretch out and look at this. a teeny sliver of 166 square feet, just 36 inches wide in places. shaq might squeeze through the front door, but i'm thinking he'd get stuck in that bathroom. there's a table for two, cozy by candlelight. but a bed just for one. "i think plenty of light is most important," says the experimental architect jakub szczesny. designed for this guy, etgar keret, an israeli writer reclaiming his polish roots and how much space do we really need? the tiny house movement is gaining some traction. here's the poster boy. this micro apartment in san francisco, toured by our own ceclia vega. >> you can almost in the bathroom reach something in the fridge. >> reporter: that place is just 150 square feet. the world's population is exploding, we're getting bigger. will we soon be vacationing in japanese-style capsule hotels, driving the miniscule peel p50, and stroking descendents of mr. peebles, the world's smallest cat? the average family home in the u.s

he used micro targeting. reason reams of information about people. >> if they own a gun what magazines. >> we had a micro targeted voter file in which we had 225 pieces of micro level information about them. >>> republicans today drive ford muss takes audi. democrats honda civic hybrid a volvo or nis son lease. they watch conservatives like dancing with the stars and modern family. >> you don't have to pay taxes for the rest of your life. >> liberals are more likely to watch law and order for 30 rock. >> tonight pbs will not be the worst thing on television. it will be john stossel. >> who is with >> not surpriseded liberals watch that. >> tells you things like if you want to reach an independent swing women voter by the house of guard check if you want to reach a republican leaning most likely to vote independent swing mango by the golf channel. >> he found many are christians who woch the tv preachers who might vote for bush. >> in the name of jesus. >> in ohio in 2000 bush got 8 percent of the african amer

when you examine the fundamental stocks, you are playing what's known as the micro. when you take into account the big data numbers like the purchasing manager's index, you're making a macro analysis. again though like the idea of fighting the fed this micro/macro dichotomy might mean nothing to you unless you took ec 101. let's put it in terms that everybody can understand. anyone who's been to a museum or taken an art class knows that for years artists tried to paint pictures as if they were perfectly -- let's say they tried to capture the exact look. like a kodak camera. okay? that's called realism as the painters are indeed realistic. but as art progressed in the late 19th and early 20th century, you tend to get more -- let's say impressionist, less realist and then expressionists as the artists struggled to get beyond the four walls of the canvas, they took impressionism into the logical conclusion and coming up with spots and dots. my modern art class in college was affectionately known as. hmm, okay. what does this have to do with investing? you want to consid

this i think obama's definitely the cutting edge of romney's pretty advance on using data and for micro targets campaign two thousand and two for governor was really the first campaign by a candidate to use sort of modern data and microtargeting the obama campaign or innovators on the use of these randomized experiments to measure the actual empirical an empirical terms the effect of what they're doing but we're trying to use democratized and so now obviously your local state legislative campaign or everyone have access to the same data and sophistication that the obama campaign has but. these scores are becoming the currency for everybody who's trying to make a determination about which types of voters they should be talking to and when they talk to voters in your experience is this more about servicing truly the electorate or is it more about figuring out ok this is what's important to this person so i can just tell him what they want to hear on. that and they'll be good to go well i mean i think those might be the same thing i mean i think campaigns are rich in knowing more about you

it's a do or die game he cares about. >> right how >> i hope you can join me tonight coming up, a micro but e are spacious compared to the world's skinniest house. >> and then at 11:00 lance armstrong making his first public appearance tonight since that scathing report on performance-enhacing drugs. it's coming up at 9:00 and 11:00. >> on to sports, so far, so good. >> looking good for giants. >> you told me you're wearing orange tonight. >> that is the difference. >> that is the key. >> was she just late to jump on the band wagon? >> giants surviving in the championship series. nobody out jam in the second. also has a bunt single. right now giants reading in the 6th if they win they'll be back here on sunday. giants catch buster posey just naichled national league player of the year and there is a serious ankle injury led the league in batting at 336 the average. and on to football niners pounding out a winme ended withy strange play and a jim harbaugh decision people in vegas were screaming b russell wilson goes back to pass back in the end zone officials called a chop block. that is