Northmarq has successfully arranged a $26.4 million refinancing for the 735 St. Clair apartment community in Portland, Oregon, consisting of 212 units.
The Newport Beach Debt + Equity team at Northmarq, led by Joe Giordani and including Scott Botsford, Brendan Golding, Alvin Cao and Stuart Oswald from the Seattle office, facilitated the refinancing process. As a direct lender with Freddie Mac accreditation, Northmarq secured a permanent fixed-rate loan for Fairfield – the borrower.
This transaction includes a 5-year fixed term with an initial period of three years interest-only payments followed by a 35-year amortization schedule to maximize proceeds. The prepayment penalty is structured as yield maintenance for the first three years and then decreases to only 1% in subsequent years. According to Giordani: “Fairfield’s timing was impeccable as we were able to lock in low rates on their behalf during this process when market conditions were favorable.”
Located in southwest Portland’s Goose Hollow neighborhood near downtown area attractions such as restaurants and shops,the impressive 24-story apartment complex offers studio apartments along with one- and two-bedroom options ranging from approximately650 square feet up to over1000 square feet each.
Flashcard Subject: Chapter One
Q: What are some examples of nonverbal communication?
A: Facial expressions
Body language
Gestures
Eye contact
Tone of voice
Q: How does culture influence communication?
A:
Culture influences communication through shared beliefs,
values,
norms,
and behaviors that shape how people communicate within that culture.
Different cultures may have different ways of expressing emotions or showing respect which can impact how individuals interact with one another.
Cultural differences can also affect nonverbal cues such as body language or gestures used during conversation.
Additionally cultural norms regarding personal space or physical touch may vary between cultures leading to potential misunderstandings if not understood and respected.Flashcard Subject: Chapter 1
Q: What is a business?
A: An organization that produces or sells goods or services in an effort to make a profit.
Q: Profit
A: The amount of money left over after all expenses are paid.
Q: Expenses
A: Costs incurred by businesses during their operations, such as wages, rent, supplies and utilities.
Q: Revenue
A:
The income generated from the sale of goods or services.
Revenue = Price x Quantity Sold.
For example if you sell 10 items at $5 each your revenue would be $50 ($5 x 10).
This does not take into account any discounts given to customers for sales promotions (e.g., buy one get one free) which would lower the overall price per item sold.
In order for a business to make a profit they must generate more revenue than expenses. If their expenses exceed their revenues then they will experience losses instead of profits.
If revenues equal expenses then there is no profit made but also no loss experienced either – this situation is known as breaking even (or zero-profit).
Businesses can increase profits by increasing prices charged for products/services sold; decreasing costs/expenses associated with producing/selling those products/services; selling more units without changing prices/costs; introducing new products/services that have higher margins/profitability rates than existing ones; etc…
Profit = Revenue – Expenses
For example if you had total revenues of $1000 and total costs/expenses were only $800 then your net income/profit would be equal to $200 ($1000-$800). On the other hand if your total costs were greater than your total revenues say costing you$1200 while only generating$1000 in sales/revenues then you’d end up with negative earnings/losses totaling -$200 (-$12000 +$10000).
Q:
What are some examples of non-profits?
A:
Non-profits are organizations that do not operate for the purpose of making a profit. Instead, they use their funds to support a specific cause or mission. Some examples of non-profits include charities, religious organizations, and educational institutions.
Flashcard Subject: Chapter 1
Q: What is psychology
A: The scientific study of behavior and mental processes.
Q: Behavior
A: Any action that can be observed or measured.
Q: Mental Processes
A: Internal states such as thoughts, feelings and motives that cannot be seen directly but must be inferred from observable behaviors.
Q: Goals in Psychology (4)
A:
S:Sociocultural Approach- Emphasizes social interactions & cultural determinants on behavior & mental processes.
B:Biological Approach- Examines how genes influence our physical structure & function which affects our personality traits/abilities/disorders/etc..
C:Cognitive Approach- Focuses on how we think/perceive/process information to solve problems/make decisions/store memories/etc…
P:Pyschodynamic approach – emphasizes unconscious thought process/conflicts early childhood experiences/repressed urges/wishes/desires etc…
There is also the evolutionary perspective which focuses on natural selection/adaptation/survival instincts etc…and humanistic perspective which stresses individual choice/free will/self actualization/human potential/growth/meaning/purpose in life etc..
The goals are description/explanation/prediction/control (DEPC) AKA understanding/causality/generalizability/influence(DECG).
Description – accurately describing what people do/think/feel by observing/measuring/recording it systematically/objectively using operational definitions/concepts/theories/hypotheses/methods/tools/procedures/designs/statistics/data analysis/critical thinking skills/logic/scientific method/falsifiability/testable predictions/reliability/internal validity(cause-effect relationship)/external validity(generalizibility)/replication/studies/experiments/observations/surveys/case studies/interviews/questionnaires/tests/etc…
Explanation – identifying the causes of behavior & mental processes by developing theories/hypotheses/models that explain how/why people behave/think/feel as they do. Theories are broad explanations that integrate many findings into a single framework to help us understand/predict/control human behavior and mental processes.
Prediction – forecasting what will happen in the future based on past observations/findings/data/trends etc…using statistical analysis/tools/methods/procedures/designs/studies/research methods/theories/hypotheses/etc..
Control- modifying/manipulating/influencing factors/causes/events/situations/people etc..to produce desired outcomes/results/effects/consequences using scientific knowledge/evidence-based practices/interventions/treatments/preventions/applications/applied research/basic research/statistics/data analysis/critical thinking skills/logic/scientific method/falsifiability/testable predictions/reliability/internal validity(cause-effect relationship)/external validity(generalizibility)/replication/studies/experiments/observations/surveys/case studies/interviews/questionnaires/tests/etc…
Q: Description
A: Accurately describing what people do, think, or feel by observing/measuring/recording it systematically/objectively using operational definitions/concepts/theories/hypotheses/methods/tools/procedures/design/statistics/data analysis.
Q: Explanation
A:
Identifying the causes of behavior and mental processes by developing theories, hypotheses or models to explain how and why people behave/think as they do.
Q: Prediction
A:
Forecasting future events/outcomes based on past observations/findings/trends using statistical tools/methodologies such as surveys/experiments/studies/research designs
Q: Control
A:
Modifying/manipulating/influencing factors/causes/events/people to produce desired outcomes/results/effects through evidence-based practices/applications/applied research/basic research/scientific knowledge/interventions/treatments/preventions.
Flashcard Subject: 3.1
Q: What is the difference between a cell and an organism?
A: A cell is the smallest unit of life, while an organism can be made up of many cells.
Q: What are some examples of unicellular organisms?
A: Bacteria, protists (amoeba), yeast
Q: How do multicellular organisms differ from single-celled organisms in terms of structure and function?
A:
Multicellular organisms have specialized cells that perform specific functions for the survival and growth of the organism. These specialized cells work together to form tissues, organs, and organ systems that carry out essential functions such as respiration, digestion, movement etc. Single-celled organisms do not have this level of complexity or specialization.
Flashcard Subject: APUSH Chapter 5 Vocab
Q: Paxton Boys
Theme 2- Development & Interaction Between Cultures
Theme 4- Creation & Transformation Of National Identities
Definition-The Paxton Boys were a group who led a revolt against Native Americans in Pennsylvania in response to Pontiac’s Rebellion.
Significance-Pontiac’s Rebellion was sparked by British policies following their victory over France during the Seven Years’ War which caused tension between colonists on frontier settlements with Native American tribes who felt threatened by encroachment on their land.This event highlights tensions between colonists seeking expansion westward at any cost versus those advocating for peaceful coexistence with Native Americans.It also demonstrates how conflicts with indigenous peoples shaped colonial identity as well as relations within colonies themselves.(1763)
Agriculture/Trade/Industry/Social Structure/Economic Systems/Cultural Practices/Race Relations/Native American History/Warfare/Territorial Expansion/Frontier Settlements/
Native American Resistance/Anglo-French Rivalry/British Imperial Policies/Pontiac’s Rebellion/Military Alliances/Colonial Identity
A:
Q: Regulator Movement
Theme 3- State Building, Expansion & Conflict
Definition-The Regulator Movement was a rebellion in North Carolina against corrupt officials and high taxes.
Significance-The movement highlighted tensions between backcountry farmers and wealthy planters who dominated the colonial government. It also demonstrated how colonists were willing to take matters into their own hands when they felt that their rights were being violated by colonial authorities.(1765)
Social Structure/Economic Systems/Cultural Practices/Race Relations/Frontier Settlements/Taxation/Government Corruption/Class Tensions/Violent Resistance/
Colonial Government/North Carolina History/Land Disputes/American Revolution/Patriotism/Loyalism/Self-Governance/Democracy/Mob Violence/
Popular Protest/Political Participation/Civil Unrest/Warfare/Military Alliances/British Imperial Policies/Territorial Expansion/Frontier Life/Settler Colonialism/New World Colonies/American Identity
A:
Q: Albany Plan of Union (1754)
Theme 1- Interaction Between Humans & The Environment:
Definition-A proposal by Benjamin Franklin for a unified government among the thirteen colonies during the French and Indian War.
Significance-The plan was rejected by both British officials as well as colonial assemblies, but it laid out ideas for future attempts at unity among colonies. This event highlights early efforts at intercolonial cooperation which would eventually lead to calls for independence from Britain.(1754)
Governmental Structures/Economic Systems/Social Structure/Cultural Practices/Race Relations/New World Colonies/British Empire/Native American History/Warfare/The Enlightenment/Iroquois Confederacy/Diplomacy/Pan-Indian Resistance/Common Defense/Common Interests/Hierarchical Power Structures/Settler Colonialism/Joint Military Strategy/Opposition To British Rule/American Independence Ideals/U.S Constitution/U.S History/Colonial Identity
A:
Q: Seven Years’ War (1756-1763)
Theme 4- Creation & Transformation Of National Identities:
Definition-A global conflict between Britain and France over colonial territories in North America, Europe, and India.
Significance-The war resulted in British victory but also left the empire with a large debt which led to increased taxes on colonists. This event highlights how conflicts with other European powers shaped American identity as well as relations between colonists and Native Americans.(1756-1763)
Warfare/Economic Systems/Social Structure/Cultural Practices/Race Relations/New World Colonies/British Empire/Native American History/Warfare/The Enlightenment/Iroquois Confederacy/Diplomacy/Pan-Indian Resistance/Common Defense/Common Interests/Hierarchical Power Structures/Settler Colonialism/Joint Military Strategy/Opposition To British Rule/American Independence Ideals/U.S Constitution/U.S History/Colonial Identity
A
!["1,320-Unit Office-to-Residential Conversion Now Available for Leasing" # 2016 AMC 12B Problems/Problem 18. ## Contents. 1 Problem 2 Solution 1 3 Solution 2 4 Solution 3 5 Solution 4 (Official MAA) 6 See Also ## Problem. Let $a$, $b$, and $c$ be positive real numbers such that $a^2+b^2+c^2=2$. What is the maximum possible value of [frac{a^3}{(1-a^2)^2}+frac{b^3}{(1-b^2)^2}+frac{c^3}{(1-c^2)^2}?] $textbf{(A)} frac{3}{2}qquadtextbf{(B)} frac{27}{16}qquadtextbf{(C)} frac{3}{2}sqrt{2}qquadtextbf{(D)} frac{9}{4}sqrt{2}qquadtextbf{(E)} 6$ ## Solution 1. By Cauchy-Schwarz Inequality](https://cremarketbeat.com/wp-content/uploads/2025/01/NY-SoMA-exterior-entrance-25-Water-Street-Manhattan.jpg)
