syrett is the founder and ceo of pantegrion capital focused on seed and early stage investments and steve strauss is the senior columnist at "usa today" small business and he is the founder and ceo of the self-employed dotcom. so good to see both of you guys. all right let's go to the first question. it came in an e-mail and it says i am in the second trimester of my business. i need financing for marketing and advertising. at this stage which would be best, crowd funding, a microloan or a private bank loan. where do you think they should start? >> i think if you have a sense of a direct relationship with your marketing spend and the revenues it generates then loans could be a really good thing, because you have some confidence that you could easily pay those loans back and you don't have to give up equity. however, if you don't have that sense of that causal relationship, then crowd funding could probably be a better outlet for you. because, the campaign itself is really an exercise in marketing and advertising. the one caveat i would say to that is that it takes a hell of a lot of work and if y

steve pagliuca co-owner of the celtics. we will be back with more. strauss celtic will the talking gains. ♪ >> for some of the top headlines around the world. the slowdown in defense spending hurt rolls-royce holdings profit in 2014. the company, which makes airplane engines, says this year's earnings will be hurt by the collapse in oil prices. rolls-royce is forecasting a lower profit for 2015 and is expecting fewer orders from the offshore oil and gas industry. the french bank societe generale is feeling the pension of russia's shrieking economy. they plan to cut about 1500 jobs as of smaller profits. according to a person with knowledge of the situation. they have more than 20,000 workers in total in russia. the chinese smartphone maker is taking its first depth to the u.s. market. they will open an online store in the u.s., but it will not sell smartphones here. here is their global vice president. >> the u.s. is a trendsetting market. we have new headphone products it a beautifully designed, high quality stereo hi-fi headphones. we would love to get fee