second require the open space for the micro units be shared open space rather than private open space and third it would require common interior space provided for the units . the cap as well as the open space requirements is not applicable to student housing projects and this is before the commission so that you may recommend adoption, rejection or adoption with mod ifdz to the board of supervisors. the department is recommending disapproval of the proposed ordinance but have modifications for you and the board of supervisors to consider if it is adopted so i would first like to outline the proposed change and move on to the department's recommendation. the planning code doesn't define efficiency dwelling units. so-called efficiency dwelling units are defined only in the san francisco building code based on the set of criteria that include providing living area with minimum size of 220 square feet, individual cooking facilities and a separate bathroom and clozet. legislation that is currently pending at the board of supervisors would amend the definition of efficiency dwelling units

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

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 coordinating the campaign for it, and it would legalize the sale of certain home it but adams

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.

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

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

y s espera que los supervisores aprueben pronto esta reforma para que los micro apartamentos salgan aimo año. >> y en san francisco se prohíbe andar desnudos en las calles y si por tercera vez de reincide se pagara con cárcel. >> el fiscal comenta que este programa es para que los jóvenes y menores de edad que están presenciando violencia puedan tener ayuda sicologico para reducir el daño. >> no se toma en cuenta el estaus migratorio para participar. >> hay controversia entre la reacción de los padres de familia y el parroco que permitio que el es convicto sexual infantil ayudara como voluntario de eventos infantiles. >> en un comunicado de prensa la diocesis pidió perdon por haberle dado autorizacion. fuimos en búsqueda de respuestas para saber quien autorizo al hombre pero ya hay nuevo parroco en la iglesia. >> todos debemos perdonar que es lo que jesús no enseño >> y eso se lo enseño el pastor? >> si. >> y hector 'el macho' camacho fue víctima en puerto rico por una balacera esta grave en el hospital, recibió un balazo donde tenga secuelas porque llego una bala a la columna se pens

we have many, many micro units in san francisco right now and it's called roommate situation. this is referred to a little bit in public comment. how many 3 and 4 bedroom apartments do we have in san francisco where there are three, four, five, six or more roommates packed into those apartments, one or two living in a small bedroom with 3, 4, 5, 6 people sharing one bathroom, sharing one kitchen, maybe no living room converted into a bedroom. that's called a micro unit situation where you don't even have your own private bath and bedroom. this will provide people with their own living space and their own private kitchen and bathroom. i also completely agree with the point that was made that we need more family housing. we absolutely do. and we should be supporting that. but almost 40% of san francisco ans live alone as i mentioned at the beginning. and we need to be focusing on that segment of the population as well * . the two are not mutually exclusive. so, colleagues, this is a good compromise piece of legislation. although i agree with mr. cohen and with the planning commi

---los supervisores rechazaron imponer un limite al numero de micro-apartamentos que podran ser construidosel titular de la comision de vivienda habia solicitado el limite ya que asegura que es un nuevo fenomeno para san francisco y no se sabe su impacto a largo plazo. ---el tipico micro- apartamento tendra un espacio total de 220 pies cuadrados, lo equivalente a un estacionamien to para un auto mediano. blanca ---ahora vamos con las imagenes del dia... take pkg video 1 t48 aptn ecuador donkey a este burrito que llega con corbata y guardaespald ---recuerde que continuamos trabajando para informarle en vivo a las once.. take vo ---enterese como las tortillas estan ayudando a muchas familias mexicanas que han sido afectadas por el crimen cu ---ademas, detienen a uno de los hombres mas buscados de oakland.. enterese de que es acusado y donde lo capturaron ---no lo olvide, le esperamos a las once. take vo recuerde mantenerse en contacto con nosotros... ---telemundo48.com ---twitter ---facebook top gfx --y tambien si usted se quiere comunicar con nosotros llamenos a nuestro numero telefonico de

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

it's micro units proliferates in our city and particularly we're concentrated in areas such as south of market. that included the potential for escalating rents in the neighborhood, displacing families who currently live there. a drain on public resources with the increased density, et cetera. and i'm happy to say that we brought those concerns to supervisor wiener and were able to sit down and produce this compromise proposal. i'm grateful to the supervisor for hearing our concerns and working with us to craft something that i think we can all live with. what this does is allow us to try this experiment. maybe it will really be helpful in serving a certain market niche. maybe it will relax the pressure on the housing market. but in case those horrible things that we dreaded happening were to occur, it will not happen in a large scale with a large impact on our communities. and it was just too much of a risk to go whole hog and unbrideled on this. so, thank you very much for, again to supervisor, and to all my housing advocate partners for sitting down and working this one out. i thi

. >> abc 7 newsuqh explains a bill to allow so called micro apartments is headed to the mayor's desk.s like a legislation had a winding road to get where we are today. >> asking for a vote, scott weiner spelled out compromises to allow tiny apartments with only 150 square feet of living space, 220 if you count a kitchen ask closet they've been called micro apartments.. >> some call them shoe box apartments as well. >> sarah from the housing xrgst the tiny apartments initially, fearing they'd replace units for families. >> we don't want it to become like singapore. families have been displaced to go to go back to change laws to keep it at 375 square feet. >> weiner agreed they will be forq6o=d construction only. so land lords can't chop up a building. he expects these to rent for 1500ses today $2000 a month. >> for people, having that lower cost option is difference between being able to stay in the city or not. >> the supervisor worries new buildings could cause population in her crowded district to swell by another 30%. >> i do hope that if units do go forward they're tried out. >> w

supervisor scott wiener along with supervisor david chiu has been talking and negotiating and the micro units and efficiency dwelling units is what the city really needs. we understand there is a lot of single people in san francisco but we still have a lot of questions in regards to that. what is their income bracket? if this is the kind of housing that they really need? those things haven't been conducted with the public, so therefore we feel having a cap on this legislation will provide first assessing if this is the type the housing the public really wants to have, two making sure that we have land for real affordable housing units for families. we must not forget families are leaving san francisco because the rent is so high for them. they need support from your leadership as commissioners. you look at all of our neighborhoods, the land available for affordable housing. that's why the whole city made sure prop c which is allocated for affordable housing passed to ensure that we do have affordable housing for the different sectors, for the different needs in the community, so we hop

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

i think that always customizable and sort of micro news twitter is amazing.ia we've ever seen that can be incredibly micro, just what's happening on your street or everyone around the world reacting to this. you could have been in china and could have known what everyone in brooklyn was feeling. it's both like expands space and time and contracts it. if you didn't follow anyone on the east coast, you could have not seen anything about it or it could have been your entire feed. i think that's one thing that makes it so powerful. >> another thing is where you can't talk back to your tv unless you want to sit in your living room and yell at the set, you can twitter. you don't have to own a television or printing press. is that also part of its a lure, particularly in a time of crisis or emergency where everybody wants to feel plugged in? >> yeah, absolutely. let's not forget too it was a way to check in and know if your loved ones were okay. a good part of my staff was on the east coast and i knew as long as they were filing stories, they were okay. but in the w

now if that's a micro kochl for the state, what does it mean? >> well, early voting favored obama and ohio in 2008. mccain won the state on election day. obama carried the state comfortable bli, but not on election someday. >> here is romney today in iowa talking about people getting handouts. >> paul and i have not promised you a bigger check from the government. and we haven't promised to take from some people to redistribute to you. >> your response. is this another last ditch effort to appeal to sentiment? >> at this point even a dog whistle doesn't breakthrough. there's too much white noise out there. what matters at this point is the ground game. it's can you find the right people? the republican playbook is they have the intensity. there are enough people who hate the president that they will show up anyway. you're seeing two very different philosophies of how you get people to go out and vote. the obama campaign is trying to find the actual individual to vote. you still have to have people go out and vote. this is a long way from being o

secondly, the gentle micro current delivers thermal energy to the dermal areas under your skin's surfacend increasing dermal skin temperature may help support the skin's natural, healthy look. and it gives off enriched oxygen, which bathes your skin while you're using it. now, you'll recognize the smell: it's that fresh, clean after-a-rainstorm fragrance. enriched oxygen is a natural cleanser and it helps give you a glowing, youthful appearance. >> the entertainment business is all about how young you look. and with the dermawand, i feel like i have a fighting chance. i use it every night faithfully. my skin glows. it's all uplifted. it smells good. it's just a great, fresh feeling and when i'm done, i feel that i've done the very best thing that i possibly can for my skin, and when i look in the mirror, i know i have... 'cause i just, i love it. i can't tell you enough about how much i love my dermawand. >> use dermawand anywhere you've got faded, unattractive skin-- on your neck, your chest, the back of your arms. with a good firming cream, you'll do wonders for the back of your legs.

blanca ---la construccion de los llamados micro-apartamentos fue aprobada por los supervisores de saneso se tuvo que modificar el codigo de construccion de esa ciudad para incluir que el espacio minimo para construir uno de estos apartamentos sea de 150 pies... algo asi como el tamaÑo de un estacionamiento para un coche. ---estos apartamentos tendran cocina, baÑo y espacio para un "closet". ---el plan piloto constar de 375 unidades blanca ---nueva pausa pero al volver, take vo ---continua la polemica por el ataque a dos agentes de estados unidos en territorio mexicano.. segment ends guerra de declaraciones entre la policia federal y procuradora por el caso del ataque a 2 agentes de estados unidos. blanca --raul torres nos tiene los detalles de los que dicen las 2 partes. 00:19 00:32 01:03 01:09 take pkg cesar ---vamos con ariel rodriguez y el pronostico del tiempo.. blanca ---adelante ariel.. roll weather open take pkg cesar ---pausa comercial pero antes, un avance de domina la accion.. take sot segment ends blanca ---llego la hora de domina la accion con ramon diaz.. cesar ---adelant

regenerist micro-sculpting serum for firmer skin in 5 days.retty heavy lifting for such a lightweight. [ female announcer ] olay regenerist. throughout our lives. one a day women's 50+ is a complete multivitamin designed for women's health concerns as we age. it has more of 7 antioxidants to support cell health. one a day 50+. body washes with paper that reacts like skin. if others can strip this paper, imagine how harsh they can be to your skin. oh my gosh. [ female announcer ] dove is different. its new breakthrough formula changes everything. new dove. this is care. you...you think these disguises will... no. [ male announcer ] salty. sweet. and impossible to resist. woman: oh! tully's. how do you always have my favorite coffee? well, inside the brewer, there's a giant staircase. and the room is filled with all these different kinds of coffee and even hot cocoa. and you'll always find your favorite. woman #2: with so many choices, keurig has everyone's favorite. i just press this button. brew what you love, simply. keurig. >>> michael jacks

micro sculptor is in dc today to be honored at washington's annual gayla.ates tiny sculptures in the eye of a needle. he works under a micro scope and uses a huge an eyelash to paint the sculptures. >> it's her magesty's crown. >> sometimes he uses gold. grains of sand. it's amazing. >> incredible. he said he can hallow out a human hair. >> all right. >> there's your 7 da

>> we have so many micro districts and pockets of different the used within two or three blocks. answering the question for one house may not always be the same as answering that question for different house. >> give us an idea. if you get a view, it will be different -- >> shore. the value of a simple remodel verses a very fancy kitchen remodel in a house that might be worth more than a condominium. those things can matter. it can make a difference. >> we have a request from one of our viewers to make sure we talk about -- home-improvement results and building taxes. >> accessible. >> the other thing that might be brought out his people over- improved. there is a fine line. i recommend that my client or anyone talk to realtors before they start. it is a good idea to get an idea of that neighborhood, that house, and how it can be done. >> page 22 of the handout, spend an hour with the pro. talk about what the value means and how it will add value to your home, or if it will be over spending on something that maybe you can do without. >> exactly. >> it is very important to know wh

it has micro-particles. enters the bloodstream fast and rushes relief to the site of pain.isit fastreliefchallenge.com today for a special trial offer. fire bad! just have to fire roast these tomatoes. do you churn your own butter too? what? this is going to give you a head start on your dinner. that seems easier sure does who are you? [ female announcer ] new progresso recipe starters. five delicious cooking sauces you combine with fresh ingredients to make amazing home-cooked meals. ♪ ambiance [ female announcer ] new progresso recipe starters. your head-start to home cooked. tintroducing a revolutionary new prit new mascara.starters. clump crusher...crusher. 200% more volume. zero clumps. new clump crusher from easy, breezy, beautiful covergirl. >>> i'm milissa rehberger. here's what's happening. hamas militants fired more than 100 rockets in today. the israelis continue to respond with air strikes. vice president joe biden assured new jersey residents that the federal government won't abandon them on a tour of damage to the jersey shore. and the final installment of the

take a look at advanced micro. went to the post, looking at advanced micro devices.loring options. could it mean the whole sale of the company, they are struggling to find a role, they have stiff competition in the industry but today giving back a lot of those games. let's take a quick look at the dow jones industrial down 10 points off of our lows of the day. 12,673. cheryl and dennis, talked about 13,000, some 14,000, so now some are just hoping for a santa claus rally. dennis: thank you, nicole. reno, nevada, is betting big on expanding into online gambling. joining us now for small business, big ideas, ceo of 3g studios. moving right into the time where we are reading all of these headlines, poker shut down by the fed, returning hundreds of millions of dollars. is this legal yet? >> it is legal as of now in nevada. we expect at least a dozen states to approve it next year if the fed don't get in our way. dennis: that is a very big if, isn't it? the entire council videogame business, that is where you started, you actually did "rockstar" for the playstation three.

live monitoring results and opinion as they happen to a live stream of instan instantaneous l time micro blogging. >> stephen: for the lablogging. >> jon: that is just the appetizer, jon and let me demonstrate. this is a sweet right here. this is an actual real time tweet. it says i personally voted for mitt romney. so it's that single tweet is any indication, jon, get used to saying president romney because he's going to win tonight in a landslide. >> jon: that's fascinating. >> that just happened jon moments ago and i'm explaining it to you now in real time. this is only a start. the election center has full capabilities through a protest we call cross screen transferability which allows us to recontexturallize our real time info for monitorrization. jon, there's no denying that is now physically bigger, you can't deny that. [laughter] >> jon: it is bigger and appears to be somewhat useless. >> i'm not even done, jon. watch this. i found click, boom. okay, real time insta instagram. it doesn't even stop. i just tweak it again while simultaneously posting that image. so if you go to one