favor of the small businesses. but does it in a way that does not would create a rift but brings conversation to the table. he also has great ideas to save small businesses. you could not do better except for possible -- possibly monetta is looking great out there. supervisor kim: thank you. >> hello. i am the small business representative on this route -- south of market stabilization fund. before i speak to henry karnilowicz, who i support as well, i do not envy the tough decision you have to make. i want to speak to how much i appreciate the work that ms. white and mr. ortiz-cartegena has done. i appreciate the work that day and the applicants have done. in speaking to an speaking henry karnilowicz, he is a rare. i have been going too small -- south of market small-business and at meetings and he is always the first one there, always beats me to a. i do not think there is anyone in the community who is more passionate about surveying -- serving all the operators there. pabst -- not entrepreneurs there. -- and the

the u.s. small business administration. the small business administration covers not only san francisco proper but the bay area. the severed his third district is responsible for a business loan portfolio of 12,000 loans worth $4.2 billion. in 2009, the sba approved $500 million in lending. next, we have the executive director of the san francisco small business office. she was in san francisco in 1986 to open the buffalo exchange limited store, and in the 13 years she worked for buffalo exchange, tennis district manager, she held her open the company from four to 11 stores. in 2009, the mayor appointed her as executive director to the office of small businesses. next, we have the ceo of opportunity funds. he has combined his background as a community organizer with an education from stanford to develop an innovative, not-for- profit financial incision that uses market principles to affect systemic change. it operates one of the nation's largest individual development, programs, a leading provider of micro loans in californi

i am the producer for small business week, which is a partnership between the office of small business and the commission, the chamber of commerce, the sba, the golden gate is disassociation, -- golden gate business association, a number of organizations, african american chamber of commerce, so we take advantage of national small business, and we convene of the small business organizations to gather and celebrate the impact now small businesses have on a community and to partner with corporate partners to create networking opportunities throughout the week to highlight small businesses, so this is the eighth year of small business week in san francisco. we are the largest small- business week in the country. there are 4000 people who attend the event throughout the week. of we have 52 free workshops, and we do a number of mixtures throughout the week -- mixers throughout the week. the last two years we have been trying to build on our success and build a program to go from region when i came on board a few years ago we had 800 people attending our gala event, and last year we have 140

between many small-business owners and the small business commission. one of the challenges is, how do as a small business commission become relevant for some of these businesses? it is a number of businesses but it includes many women, minority-owned, immigrant-owned businesses that do not interact a lot with the small business commission. i am wondering if you can say something about what your interest and thoughts are in terms of reaching out to those communities. >> i do not have any of the answers. that would be a group effort necessarily. one of the pleasures of district elections is that you know your residence and you know your small business owners. i would rely largely on the board of supervisors and their staff to help reach out to those communities. that is my short answer. return to use -- for support. supervisor kim: next, monetta white. same format. again, your experience in terms of how it is relevant to the small business commission. also supervisor campos'question. >> good afternoon. i am a small minority-owned business owner. we have a

and not the white owned businesses >> guest: it was very difficult. starting the experiment trying to gauge how the community would respond. of the worst anticipated was at the from the black community. this issue is not new. many preach buying black so we thought they would say that is nice. good luck. that was the worst we thought those outside the community if anything would see this as a classic giving back story. to see people making their way back is and that a great american story? we do not think they would see it another way that we're militants trying to take down wal-mart. that was not apply to. we didn't say anything negative about the white businesses but self-help economics from course to give the story luster to get into the media, we know in the beginning of water the media would focus only supporting black businesses is that the same in affluent family dissent -- deciding to spend their money in the community of course, that would elicit a negative response. fortunately they spent time with our family

the panel. again it is open forum.com/business. u can e.t -- e-mail your questions to yourbusiness@msnbc.com. >>> if you don't have weeks or months to wait for answers go to our website to get you in touch with the market through online chats. after specifying the customer you are looking for, you can go to one-on-one chat room interviews. if you want feedback from a logo or file pitch, you can share files through a gutcheckit.com. each interview costs you $35. for more information on the show, go to our website openforum.com. we will have web content to help your business grow. follow us on twitter as well. don't forget to become a fan of the show on facebook. we love to get your feedback. next week, you may think that there is no room for the small business entrepreneur in the world of cable television, but you'd be wrong. >> i can't own a great big company, but i have the same entrepreneurial spirit, and i own it, and i control it. >> meet one of the hundreds of small business owners who own and operate small scale cable tv syste

from four years ago, the latin business network, we work with the chambers of commerce, and another business immigrant in other areas of california and other cultural centers, and i support mario west because he is a good guide. he brings money to the city to educate, to own a business, and to develop products for students. the people are at giving jobs today and making small business or san francisco, getting good jobs for the neighborhoods. thank you so much. supervisor kim: thank you so much for being here. >> good afternoon, supervisors. i'm a small business owner, but today, i'm here representing three chambers of commerce, hispanic chambers of commerce. the latin american and caribbean business chamber of commerce, the nicaraguan american chamber of congress, and the salvadorean american chamber of commerce, of which i had been the vice- president, and i'm still a member. i'm speaking on behalf of the three of them in support of mario west. one of the reasons why we decided to support mario -- and i have four copies here of a letter of support from the three chambers. one of the reason

that invest in the chinese businesses. then he goes to the chinese on the grocery store then they invest in the chinese business people who put their products on the shelf. everyone in the store it is a chinese. that contributcontribut es to the local tax base to keep the property values up. we don't have the benefit of those basic things in the black community. the of peace the chinese kid can go to that grocery store to see that owner to think i can be a business person. of black kid could never go to see an owner that looks like them. everyone is white. all the customers are black. when they apply for a job, they see somebody who does not look like them. that says you can shop here, live here view are not entitled to be an owner even in your community. that explains a social crisis, why we don't have jobs, why the kids choose their gangs over college why kids dropping out of school. everything in that six hours. it is less about pacifying hour ago and more of a crusade. the more we have chances like this to talk about th

to support the business. also, they relied on home equity lines of credit, which in many cases do not exist anymore, also as a source for financing their business. as far as doing public contracting, one thing about public contract in that you can count on is the city of san francisco will stay in business and pay its debt, just later than you would like it to be. when you're doing public contract thing, if you will, cash cycle -- when you do the work and when you get paid is something you have to factor into your understanding of capital needs. so you have to figure that into the process. usually, that is figured into the pricing. but it is also the case that would you also probably need is a line of credit. depending on whether you feel your credit situation is where you want to go to a bank like wells fargo or another regulated bank, and line of credit, or work for a working- capital type of loan, which is something you look to do, the opportunity fund. you probably want to try both avenues. as far as your

the businesses are depressed and people that own the businesses are depressed and the businesses that are fighting are not owned by the west side so they make their money and they don't have to deal with the west side reality. this woman was exactly why we needed the experiment and what our project was called because we need to support her and make sure that there is more demand for the businesses and they can shine, but as long as we don't support our businesses we are going to be much better than that. >> host: we are going to go to a quick break. thank you. also a huge sector in the experiment in the entire story. eugene robinson and author of "the washington post" calls the electors in the black community this integration. does the experiment -- is their experience in a place like this show the idea for the one black community no longer exists would you have any balance about that as you went through this and the tractor that we are seeing across the lines? >> guest: we are a huge fan and so happy that he has been able to push this issue into the dialogue because it is something t

>> we have the sales act where it covers -- i like the new business opportunity rule. it's expanded in scope. it now covers -- well, first of all it says they only have to make a payment before the threshold was a payment over $500. under our law a payment over $300 paid within the first six months. under the new federal law it covers the work at home schemes. so i think that's really a good thing. our law does not cover that but the business opportunities that have traditionally or starkly been covered will still continue to register and they will still be required to file a disclosure document required under our act. captions copyright national cable satellite corp. 2008 captioning performed by vitac

the good news, though, for businesses like you are describing, internet business, is that the capital requirements for that type of business is generally small. you are able to get yourself further along and share in revenues with a smaller amount of credit need. that is where we see a lot of businesses and personal service or internet business get started, and generate revenues and be able to show growth without needing any capital, like a brick and mortar business might. >> my name is terry said. i have a retail business in san francisco for 22 years. i have a 5 04 -- 504 loan. it took me three years to get. we need more capital. i tried to get a line of credit from wells capital. i was decline. where does someone like myself go? i have a loan, i need additional funding. >> did you try through the sba? >> i already have an sba loan. i went to wells fargo for a line of credit and they would not give me one. >> i can speak to you about it. when we look at funds that are needed, the biggest thing we look at our cash flow. i can address that with you. unless there is an issue, at that p

currently the head of the business roundtable. president obama will be before your group tonight and talking to the nation's top ceos. what do you want to hear from him? >> he will come in and it will be off the record conversation. i think america's business leaders want to hear from the economy to get the economy moving for rapidly. what are some of the plans and decisions. we have some advice. we are ready to release tomorrow morning a taking action for america. a ceo plan for economic growth and job creation. i think like a lot of americans, ceos worry about a country where the unemployment rate has been above 8% the last three years and gdp is at 1.7. we need to pick up pace. we need to compete globally. these are many companies that are out competing and you are seeing faster growth rates around the world. we would like to see what we could do in the united states to keep up pace. >> on the competition front, what will the business roundtable be saying to the president tonight? >> we have the roundtable which is unique. it is

getting the fuel to grow my business is essential. and there are connections on the the follow-up which is great. i managed to get two different mentors, a retired ceo's, amazing people who mentor five hours a month for free. i am really, really grateful for the support. i encourage you to keep doing this. if you want to see this type of growth in san francisco business, you need to help fuel the growth through the small business was because i cannot get the bank funding that i needed. that is just my two sons and my small story. thank you. supervisor chu: thank you. >> what i want to bring your attention is that the mayor's office of economic development first has to get some facts right, ok? san bruno avenue, we talk about san bruno avenue where all the businesses really are, district 9. right off the bat the targeted areas are district 9, a tan, and 11. that correction is important.

with a marking up with the department of small business -- we have been working with the department of small business. this project started when we heard from neighborhood merchants. unfortunately, they had access issues, visibility access issues. we have been working closely with many of our partners year today to educate about these -- many of our partners year today to educate about these issues. also in terms of board guidance. i want to thank all of you for coming. many of you may have assistance. i know many merchants could not be here. please do it share this information with other merchants in the area. we have virginia from the office of small business. we have roger from the bar association. no carla johnson from the office of disability. -- we have carla johnson from the office of disability. i want to especially it acknowledge my colleague to help us get the resources and brought legal expertise to the table. i do not want to take too much of your time. thank you for coming. >> thank you, supervisor chu. i want to express my admiration for a supervisor chu's commitment to y

bigger the business the more of those public investments they are bringing to bear to make their business success possible so and as a result it's only right and fair that they pay progressively more to support those structures and that's why when the business leaders we profile in this book hear about progressive taxes whether it's an estate tax or a millionaire's tax or ending the bush tax cuts for the wealthy they're more than happy to step up in the to the plate and say yes tax me more i'm willing to pay more and it's not about punishing success it's about a responsibility to pay back to society that made their success possible it's about paying it forward to the next generation is the same opportunities. the the american media by and large seems to be ignoring this message and back job creators as you know people throw that word out in its. never i never heard of challenged by you know meet the press kind of show never and and yet it's such a obvious canard. how do how do we have your book is a great st

the red, yellow, green business which got to eventually. but what was the right thing to do? at the moment the right thing to do is what police and fire did which was to get everybody out of there and do search and rescue and so that worked really well because they had actually rehearsed that in august and that's what fire and police did and that's what emergency response was. nobody really knew that much about recovery or thought about it. but the first thing that happened is everybody leaves after 24 hours. they're fine with that. then after 48 hours people kind of dust themselves off and get up and say, you know, i got some medicine in my apartment unit downtown or i'm a business and i've got all my records that i need to get. or what am i going to do? all of a sudden at one time multiple needs emerge, and these come into conflict with the fundamental value of keeping everybody safe. so the earthquake was on tuesday, and it wasn't until friday that the world figured out that loma prieta was not next to san francisco and oakland, that it was down near santa cruz and watsonv

vo: get the card built for business spending. 00-now-open to find out how the gold card can serve your business. >>> many grocery shop er zhave gone from paper or plastic to reusable bags. today's elevator pitcher has come up with a way to make those bags even more pragmatic. >> hi. do you guys ever forget your reusable bags? >> i do. >> all the time. >> up to 90% of shoppers forget them, however, two-thirds remember their shopping list. i'm dan russo, inventor of this bag. it incorporates your shopping list, pen, coupon clip, with a bag that lives on your fridge with its built-in magnets. we launch in september to an overwhelming response. we projecting our first year of sales at $300,000, currently seeking a $250,000 investment with an expected five year investment. around the globe single use bags are being outlawed which as you know our industry is growing by law. soon we'll have three guarantees in life. death, taxes and reusable bags. available at shopping bag.com and retailers nationwide. >> thank you very much. >> dan, i a

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vo: get the card built for business spending. ll 1-800-now-open to find out how the gold card can serve your business. >>> the most effective customer loyalty programs master customer engagement in innovative ways, and one cool way is by leveraging the media power of four square. we have a communications coach for some of the most admired brands out there, and he's the author of power foursquare, seven innovative ways to get your customer to check in wherever they are. >> for anybody that doesn't know what foursquare is, can you give a quick some re? >> it's a media app that makes your world a much more interesting place. you download the free app to your smart phone and you canter any venue in where you are and share the check in, and share it with friends. they know where you are and what you are doing, and it becomes a game as well. >> so from the small business perspective, this is great, because you, carmine, come into my ice cream shop and you check in and everybody knows where you are and that's free marketing for me. >> th

scott sanchez: the name of the business on the building would be a business sign. there are some signs downtown that are clearly above 100 feet. those are grandfathered in, particularly under the planning code. when you change the business son, you need to comply with current code. but there was something in the 90's that allowed a few signs. the u.s. bank sign is one that is legal. they were able to change to washington mutual. other way around. under the proposal, it would lower it down to 40 feet. commissioner borden: i guess my point is it would not make sense for a building that is 150 feet to have a sign at 40 feet. >> the current code limits it at 100 feet, no matter what size the building is. there are a few exceptions. but mostly, if it is above 100 feet, it is not conforming. commissioner borden: i would say that otherwise all the other signage should have no problem. i know that at some other point we should have a conversation about this. i know for a lot of the technology companies, they like having signage on their building to call out who they are. th

so now the local businesses are gone. our top talent is in corporate america and not wanting to be entrepreneurial. and the money keeps leaving our community. all of that work to cripple us. we can change all those things. it would be a hard and slow process but the point is it started with integration. and with a integrated society we could bring enough of our money back, enough of our businesses back to fix what's going on in our community. >> host: not all of your experiences with black-owned businesses were positive. >> guest: i thought you were going to -- >> host: i know. [laughter] >> host: so i think we should talk for a couple minutes. we'll take a break in a few minutes but, you know, i'm curious about your first visit to jay's fresh meat. and i know there are other businesses like that, that weren't the best businesses. that weren't places necessarily that you wanted to shop at. what made you go through with that shopping trip? >> guest: well, we went into this real gung ho, really optimistic, hoping that the ja

let me talk about the business opportunities and the economy. iraq is set, if it can keep its political and security situation stable, to explode. it's got a per capita income of about 31, 3200. which is very, very low even for, well, low to the rest of the region and low compared to much of sub-saharan after friday california on the other hand its hydrocarbon reservings, 140 billion barrels known, probably 30 billion if not more in the kurdish area. plus, huge tracks of unexplored terrain west of the country. bring it up close to saudi arabia's 240 billion of oil reserves, and in addition iraq has unquestionably more natural gas, so in terms of hydrocarbons it can compete eventually and underline eventually, with saudi arabia. it's got plans of the next eight or nine years to increase oil exports up to very optimistic 11 million barrels a day. we think if they are lucky they will get 8 or 9. but nonetheless they have got an extraordinary process under way with 14 international oil companies to develop their southern fields, they have got tremen

i was hired to help grow the business. the approval of this would help us to continue to grow blazing saddles and all of the associated benefits to the city, the employees that was just discussed, as well as local residents, with continued neighborhoods enhancements. one other important stipulation is the noise and pollution of this it car which is not our primary business and a very small percentage of what we do at a blazing saddles. this needs to be taken into account when the local residents were taken into account. thank you. >> thank you. next speaker. >> i have been involved for the past 12 years. i am in support of this project. you can go to any of their locations and see how they do business and see that they are an outstanding citizens and they care about their people and anything they are involved in, they can be around anything they care and they do the research. i am in favor and i look forward to it happening. >> thank you. >> i live on north point and i moved up here because i fell in love with the character

what are the entities that do the third party verification? is this a business? how did they get funding to do that work? >> one of the major third-party providers are a nonprofit organization that has fairly stringent standards. they actually testified at the small business commission. what i will probably do is and fight them to our next meeting said that you can hear more about that and maybe have them brief you beforehand. you had asked questions about the philadelphia experience. it is my understanding that the tax policy just went into effect so i don't think that we will have any data on that. part of my interest in moving this sooner rather than later is that i want san francisco to p a west coast destination or capital for this movement and this world which is why we're looking to see what happened in philadelphia. i hope that san francisco can follow suit. we to encourage that kind of social responsibility. >> just to really make clear, i think it would be important to know when we are seeing small corporations or even larger corporations and their main

the meetings. we're all for san francisco small business. we would like to lower a little bit, once they do that, for stories, 50 foot buildings, they would be staring at my living room. i don't have the luxury to close curtains on my living-room bay window. also, privacy. also some privacy, just try to compromise. we are trying to raise a family and allow them to grow. this is also affecting the neighbor. we do appreciate blazing saddles. this is what we face against every day. this is what we face every day. this logo was permanent and it took up two spaces on the street. now, they will expand their business. we will see that there will be more parking problems i don't think they have any kind of converter. this will create more pollution. we have been tolerating it all of these years and we want them to reach some kind of compromise. that is it. thank you. >> good evening, commissioners. i basically raised in san francisco. i was going around fisherman's wharf when i was 8 or nine years old. it was run down and kind of cd. the whole area w

administered by the 14 city departments that impact small business. as drafted by the small business commission, it specifically states within four months of the offices opening, the office shall issue a report that analyzes existing laws, regulations, rules, procedures and responsibilities of all city departments that impact small businesses and make recommendations regarding the streamlining and consolidation of such department of functions to the office of small business. as of today, four years later, the office has not issued that report nor made any such recommendations and executive branches not yet engaged in efforts to streamline or consolidate the functions of the 14 city departments from which 80,000 small businesses must seek approval to do business in san francisco. will you commit to carry out the mandates of the proposition to streamline the city government? mayor lee: i know that you share the belief that small-business is an economic corner store -- cornerstone of our city and creates thousands of neighborhood jobs. you and i should be