#james staples

[justinspoliticalcorner]

Frat Member Kicked Out Of Group After Making Monkey Noises At Black Woman During Protest

“The racist actions in the video were those of an individual and are antithetical to the values of Phi Delta Theta," the fraternity wrote th

Nick Visser at HuffPost:

A fraternity member who directed monkey noises at a Black University of Mississippi student during an anti-war demonstration was kicked out of the organization on Friday after video of the encounter spread on social media. “Phi Delta Theta General Headquarters is aware of the video regarding the student protest at the University of Mississippi,” the organization wrote in a statement on Sunday. “The racist actions in the video were those of an individual and are antithetical to the values of Phi Delta Theta and the Mississippi Alpha chapter.” “The responsible individual was removed from membership on Friday, May 3.”

The confrontation took place during student demonstrations at the University of Mississippi, or Ole Miss, on Thursday. Protesters gathered to voice their opposition to the U.S.’ support of Israel during the country’s ongoing war against Hamas following the Oct. 7 attacks, part of a growing wave of demonstrations on university campuses around the country. As a small group of students chanted “Free Palestine” and “Stop the Genocide,” they were confronted by a far larger bloc of counter-protesters. Videos of the encounter showed the counter-protest group growing aggressive, surrounding and yelling at the demonstrators. In a disturbing moment, a white student is seen making monkey noises directed at a Black woman as others taunt and cheer.

Videos of the counter-protesters were shared widely on social media and prompted support and adulation from Republicans. Mississippi Gov. Tate Reeves (R) said the response “warms my heart.” Rep. Mike Collins (R-Ga.) added his own cheers as the Black student was jeered, writing: “Ole Miss taking care of business.” Jaylin Smith, 24, told CNN she was the woman in the video. The Daily Mississippian, the university’s student newspaper, reported she was called “Lizzo” and various obscenities, with some chanting “Lock her up.”

James Staples, the man who was behind the racist monkey noises at a Black woman named Jaylin Smith during protests against Israel's genocide of Gaza, got booted from Ole Miss's Phi Delta Theta fraternity.

[ammonitetestpatterns]

james staples, poynts and spots: molecular revolutions, mystical desires, and the pearl-poet, 2019.

[jamespstaples]

Real Estate Career Paths

Real estate is a dynamic field, offering a variety of career paths. Professionals can choose from agent, broker, and property management opportunities.

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Many states require property managers to obtain certification. Commercial property managers must obtain the Certified Property Management designation from the Institute of Real Estate Management (IREM). Residential property managers require the Accredited Residential Manager from the IREM.

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Accredited peers must vouch for the professionals to receive the designation of Counselor of Real Estate. Candidates must have at least 10 years of experience in real estate, with at least three years as an advisor.

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The multifaceted nature of real estate allows individuals to specialize in niches. Investors, banks, and renters hire real estate professionals to help them navigate the real estate market. Networking can accelerate their career and help enhance customer experiences.

[jamespstaples]

Mezzanine Financing Bridges the Gap in Real Estate Capital

Mezzanine financing is a combination of debt and equity that serves as a bridging tool between senior debt and equity, usually covering up to 20 percent of a real estate project's total capitalization. For developers with limited capital, mezzanine financing offers an entry point to complete projects without sacrificing too much equity.

Ranked below senior debt, mezzanine financing has a secondary status characterized by both its higher risk profile and greater returns compared to traditional loans. Interest rates typically range from 9 to 20 percent, with some investments yielding returns as high as 30 percent annually. These elevated rates reflect the increased risk mezzanine lenders take on by accepting a secondary position in payment priority.

Unlike other capital structures, mezzanine financing is characterized by a hybrid quality. Though functioning more like debt, it has embedded equity instruments--typically in the form of warrants--that give lenders an option to convert their debt into an ownership position in the property if the borrower defaults. Mezzanine loans don't function like traditional mortgages, which are linked to the physical property. Instead, they are tied to the borrower's equity interest in the property-owning entity.

This structure grants a unique protection to lenders. In the event of default, mezzanine lenders are entitled to foreclose on the borrower's equity stake and gain managerial control of the project rather than physical possession of the asset itself. This foreclosure right remains subordinate to senior lenders but takes priority over equity investors.

Mezzanine financing offers several major advantages to real estate developers and sponsors. It is cheaper than raising additional equity, which would have the effect of diluting ownership. It features interest-only payments during the term, with principal due at maturity; this preserves cash flow during critical development and stabilization phases. Mezzanine loans have five-year or longer maturities, giving developers adequate time to execute their business plan.

The structuring flexibility that is available through mezzanine debt allows developers to customize their capital stacks to address specific project requirements. Developers commonly use mezzanine financing to fund gaps in capital, particularly when traditional lenders raise their lending requirements or there are unexpected development expenses.

From an investor perspective, mezzanine debt offers an attractive risk-adjusted return profile. It offers higher yields than senior loans and more security than single equity investments. Investors typically receive contractually bound interest payments on a predetermined schedule with set maturity dates, thus creating predictable cash flows.

However, mezzanine financing is not without disadvantages. For borrowers, the higher interest rates increase the overall cost of capital. Loan agreements often contain restrictive covenants limiting additional borrowing or refinancing options. Lenders may require board representation or impose financial ratio requirements that borrowers must maintain.

Investors in mezzanine positions stand to lose their investment if the borrower defaults and the amount left over after paying the senior debt holders is not sufficient. Moreover, setting up mezzanine financing is time consuming: It can take up to six months of negotiation.

Market conditions greatly impact the environment of mezzanine financing. During credit crunches, when conventional banks become more restrictive in lending, demand for other sources of finance grows. In this situation, opportunities can exist for mezzanine lenders to earn higher returns while offering lifeblood capital to good borrowers. In contrast, when interest rates fall substantially, borrowers can refinance mezzanine debt, replacing it with lower-cost funds.

The creditworthiness of the borrower, underlying asset quality, and market fundamentals remain essential considerations for successful mezzanine financing arrangements. Lenders will generally inspect the developer's history of completing comparable projects on time and within budget. Good project fundamentals and a clear repayment plan are necessities for achieving good terms.

[whitesinhistory]

The University of Mississippi is investigating a student who has gone viral for mimicking a monkey toward a Black woman participating in a pro-Palestinian protest.

The university has opened a student conduct investigation after the protesters were met last week by actions that appeared to convey "hostility and racist overtones."

The student, identified as James "JP" Staples, was caught on video making the sounds and gestures has also been removed from his fraternity. Phi Delta Theta General Headquarters released this statement.

"The past few weeks have been challenging for many colleges and universities across the United States as they struggle to balance the protection of free speech with maintaining appropriate and respectful discourse among demonstrators and others within the campus community.

As part of that community, Phi Delta Theta recognizes that freedom of expression is part of the collegiate experience; however, the Fraternity is committed to upholding its principles as a private membership organization.

After reviewing the incident, it was determined that the individual's behavior was unacceptable. The action in question was offensive, outside the bounds of this discourse, and contradictory to our values.

In partnership with local alumni, undergraduate leadership, and the university, disciplinary due process was initiated which resulted in the removal of membership. The situation will continue to be monitored in cooperation with any further investigation."

About 30 pro-Palestinian protesters were demonstrating in a barricaded zone Thursday when an estimated 200 counterprotesters surrounded them. Some held American flags, Donald Trump flags, and others dressed in red, white, and blue.

Mississippi frat boy who made 'monkey noises' at black protester named

Finance major James 'JP' Staples was named by the NAACP as the student filmed hopping from foot to foot and grunting like an ape at Jaylin S

source @rolandsmartin