Need on 4-12 teacher didn't explain and just gave us the homework

Which expression is the factored from of 2/3x + 4?asap

Set $r$ is a set of rectangles such that (1) only the grid points shown here are used as vertices, (2) all sides are vertical or horizontal and (3) no two rectangles in the set are congruent. if $r$ contains the maximum possible number of rectangles given these conditions, what fraction of the rectangles in set $r$ are squares? express your answer as a common fraction.

Kevin's bank offered him a 4.5% interest rate for his mortgage. if he purchases 3 points, what will be his new rate?