Douglas E. Noll Professional Mediator

Clovis, CA (PRWEB) November 28, 2011

Professional Mediator and author Douglas Noll exposes the driving force behind America’s current civil political and economic unrest, and how this dissension differs from other civil uprisings throughout U.S. history in his book Elusive Peace: How Modern Diplomatic Strategies Could Better Resolve World Conflicts (Prometheus 2012).

“In Elusive Peace I point to distributive justice as the explanation for America’s current polite uprisings and conflicts. Distributive justice is based on a three-legged stool of equity, equality, and take. People desire to be honored grinded on their contributions. People understand the more profits they do, the more they should be payed. And, people infer they all should be entitled to a like share of the benefits. People too reason that those who cannot sufficiently act care of themselves should be supported. If any of the legs of equity, equality and necessitate are away of balance, citizens experience a sense of injustice,” explains Noll.

“To apply distributive justice to today’s circumstances one must realize that numerous family homes are worth less than the loans against them. The American consumer economy is upside down. People perceive a social disconnect between the elite wealthy segment of society and everyone else. With the disparity in wealth between the top 1% and the rest of America, a major portion of citizens feeling a strong enough sense of distributive injustice to take action in the form of protests and joining forces through social media,” Noll says.

Elusive Peace: How Modern Diplomatic Strategies could Better Resolve World Conflicts is a historic review of peace negotiations during pivotal world conflicts with U.S. involvement, outcomes, and makes a case for the ideal strategies needed to create sustainable and successful outcomes to resolve conflict. Noll explains the dynamics of how neuropsychology, cultural beliefs, dogmas, fears and biases play a role in peace negotiations. Noll makes a case for having highly skilled mediators at peace negotiation tables in order to better resolve conflicts at home, in business, politically, culturally, and across the world.

About Doug
After a successful 22 year trial career, Douglas E. Noll found litigation to be a wasteful way to resolve conflicts, and earned his Masters Degree in Peacemaking and Conflict Studies. Today, Douglas is a nationally recognized mediator, international peace advocate and speaker, and professor. He hosts The Doug Noll Show, a weekly radio program dedicated to giving a voice to international peacemakers. His current pro bono project Prison of Peace trains murderers committed to life sentences in the largest women’s prison in the world to become peacemakers and mediators.

Noll was recently selected from a worldwide search as one of 194 mediators to be included in the International Who’s Who of Commercial Mediation. Doug is the 2012 President of the California Conflict Resolution Council.

Professionally, Doug is a Distinguished Fellow of the International Academy of Mediators, a Distinguished Fellow of the American College of Civil Trial Mediators and on the American Arbitration Association panel of mediators and arbitrators. Doug was one of the first U.S. mediators certifiable under the international mediator standards established by the International Mediation Institute based in The Hague, Netherlands. Noll is a board member of Mediators Without Borders.

He is an author of the books Elusive Peace: How Modern Diplomatic Strategies Could Better Resolve World Conflicts (Prometheus, Spring 2011), Sex, Politics & Religion at the Office: The New Competitive Advantage (Auberry Press 2006), with John Boogaert, and Peacemaking: Practicing at the Intersection of Law and Human Conflict (Cascadia Publishing House 2002), and numerous chapters and articles on peacemaking, restorative justice, conflict resolution and mediation. Doug has been recognized as one of the Best Lawyers in America by U.S. News & World Report and is a Northern California Super Lawyer in Alternative Dispute Resolution. He has mediated over 1,500 conflicts, including business disputes, clergy sexual abuse cases, victim-offender criminal cases, and large litigated cases. His particular interest is in deep, intractable conflicts where emotions are running high.

Elusive Peace shows why we can no longer afford to allow political, diplomatic, and military leaders mediate peace accords. For more information visit http://www.elusivepeace.com. For media inquiries contact dianeden(at)centurytel(dot)net, or 503-678-1356.

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BurlingtonMortgage.biz

Wilmington, NC (PRWEB) November 25, 2011

BurlingtonMortgage.biz reports that mortgage rates have been largely unchanged throughout the month of November with home loan pricing hovering just above the record low levels reached in early October. Mortgage lenders are responding to increased demand for US Treasury Bonds with extremely competitive mortgage pricing. On November 17th, 2011 30 year mortgage rates as low as 3.625% (Points: 1, Fees: $ 1995, APR: 3.789%, Lender: AimLoan.com) were posted on BurlingtonMortgage.biz. Advertised 15 year mortgage rates went as low as 2.875% (Points: 1.727, Fees: $ 1995, APR: 3.273%, Lender: Amerisave Mortgage Corporation.)

Sustained low mortgage pricing was also reported by Freddie Mac, a government sponsored enterprise that purchases residential mortgage loans in the secondary market, in its weekly Primary Mortgage Market Survey(R). In the report published Thursday, November 17th 30 year fixed rate pricing was shown to average 4.00% during the previous week (.7 points), up just .01% from the report one week earlier. The mean 15 year bushelled mortgage rates too lifted .01% to 3.31% (.7 points.)

The mean 5/1 ARM pricing besides changed by simply .01%, but fell that amount to 2.97% (.6 points.)

“We continue to see a high volume of homeowners refinancing and taking advantage of these incredibly low mortgage rates,” said Shaun Hamman, VP of Residential Lending at American Financial Resources, a National mortgage lender. “Lots of people are choosing to move to a 15 year loan. They’re often surprised to see that their payment doesn’t go up as much as they might think, and the interest savings are so substantial it can make a huge impact on their overall net worth down the road,” he continued.

Below is a sampling of interest rates for a variety of loan programs listed on BurlingtonMortgage.biz on 11/17/2011. Rates are subject to change. Please visit the site to view the criteria used in the survey.

30 Year Mortgage Rates ( Points)
Loan Depot – 3.875% Note Rate, 3.956% APR, $ 1950 Fees in APR
Atlantic Mortgage & Funding – 3.875% Note Rate, 3.875% APR, $ Fees in APR

20 Year Mortgage Rates ( Points)
Integrity First Financial Group – 3.875% Note Rate, 3.981% APR, $ 1845 Fees in APR
AimLoan.com – 3.625% Note Rate, 3.739% APR, $ 1995 Fees in APR

15 Year Mortgage Rates ( Points)
National Mortgage Alliance – 3.250% Note Rate, 3.374% APR, $ 1700 Fees in APR
Amerisave Mortgage Corporation – 3.250% Note Rate, 3.395% APR, $ 1995 Fees in APR

30 Year FHA Mortgage Rates ( Points)
Atlantic Mortgage & Funding – 3.750% Note Rate, 3.751% APR, $ 10 Fees in APR
New American Mortgage – 3.875% Note Rate, 3.933% APR, $ 1395 Fees in APR

About BurlingtonMortgage.biz
BurlingtonMortgage.biz is a website that offers information regarding mortgages and personal finance. BurlingtonMortgage.biz is owned by CMG Equities, LLC based in Wilmington, North Carolina.
For more information, visit http://www.burlingtonmortgage.biz/.

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London (PRWEB UK) 25 November 2011

Following a recent article in the Daily Express , which highlighted some of the debt problems increasingly encountered by people entering retirement, National Counties Building Society is pleased to offer a mortgage tailored to the needs of borrowers at or in retirement, looking to deal responsibly with their outstanding debt. Its [10 year fixed rate mortgage product offers an interest rate of 4.19% fixed until 30/11/2021 which, coupled with National Counties’ personalised underwriting assessments, may allow existing homeowners to avoid trading-down or having to take out a lifetime mortgage.

By making the product available to customers up to the age of 75, this is one of the few remortgage products which actively seeks to help borrowers well into their retirement. With a competitive fixed rate of 4.19% available to borrowers needing to borrow no more than 25% of the value of their property, the building society is directly supporting existing home owners who are entering retirement and, for whatever reason (for example, a shortfall on an endowment maturity), have been unable to fully repay their existing mortgage or other debts.

The NCBS 10 year fixed rate mortgage product allows customers to withdraw equity from their existing chief residence (minimum property value £200,000), borrowing up to £250,000, with the re-assurance of fixed monthly payments and the structured repayment profile ensures that the initial debt is reduced steadily to zero over the 10 year term.

Keith Barber, Associate Director Business Development at National Counties Building Society, said: ”Recent rises in the cost of living coupled with increasing demands on family finances to help support younger generations and lower returns from pension funds than we’ve been used to in the past mean that it is understandable that increasing numbers of people are approaching or are in retirement with mortgages and other loans outstanding. Our new 10 year fixed rate mortgage product can help people put in place a structured and affordable repayment plan which offers the reassurance of known monthly repayments due to the fixed interest rate.

‘We move our lending responsibilities very earnestly and our undergone underwriters singly valuate each application. This approach enables us to stare at each case on its merits. We are committed to offering solutions which will support being homeowners at a time when family finances are under pressure.’

More information on National Counties’ 10 year doctored rate mortgage is uncommitted at http://www.ncbs.co.uk/mortgages/mortgages/standardmortgages/mortgages-fixed-rates.aspx

National Counties’ 10 year fixed rate mortgage is available now and potential borrowers can request an Agreement in Principle via the building society’s website or by contacting the Customer Centre team on 01372 747771.

Ends

Terms and conditions available on our website at http://www.ncbs.co.uk/mortgages

Note to Newsdesk

National Counties Building Society is based in Epsom and offers a range of competitive savings and mortgage products to over 50,000 customers throughout the UK via post, telephone and the internet. Its assets exceed £1.1 billion and its capital ratio (reserves: total assets) is amongst the highest of building societies in the UK, providing security for its customers and much envied financial strength.

For further information contact:

For National Counties:
Emma Avery, Product Development Officer, telephone 01372 845429, email product(at)ncbs(dot)co(dot)uk

Jessica Harris/Kate Durant, Marketing & Communications Officer, telephone 01372 845 409, email marketing(at)ncbs(dot)co(dot)uk

Joanna Wood, Marketing and Communications Manager, telephone 01372 845333, email marketing(at)ncbs(dot)co(dot)uk

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Numbers Guy helps get a dream home with home equity loans. Check out Xceed Financial’s new financial avenger – Numbers Guy. Brought to you by Xceed Financial Credit Union – www.seekmore.org

alturl.com When you look towards a home purchase loan, you’ll need to fully understand the interest rates. They are never the same and will vary among the different financial institutions, as well as from time to time.alturl.com
Video Rating: / 5

Foster City, CA (PRWEB) November 16, 2011

Rates on the most popular types of mortgages were fairly flat from the previous week, according to HSH.com’s Weekly Mortgage Rate Radar. The average rate for conforming 30-year fixed-rate mortgages rose by a single basis point (.01 percent) to 4.14 percent. In contrast, conforming 5/1 hybrid ARM rates dropped by 4 basis points, closing the Wednesday-to-Tuesday wraparound weekly survey at mean of 2.98 percent.

“Low mortgage rates are a key ingredient to making the expanded HARP program a success,” said Keith Gumbinger, vice president of HSH.com, referring to the Obama administration’s expanded Home Affordable Refinance Program. The details of the expanded HARP – which is expected to bring relief to up to 1 million homeowners over the next two years – were rolled out to lenders yesterday.

“Details of the expanded refinance program are just coming away, but the enhancements seem very likely to bring both lenders and borrowers to the table. Among the changes are lower costs for borrowers, easier income qualifications and greater liability protection for lenders,” Gumbinger added.

Average mortgage rates and points for conforming residential mortgaging for the week ending November 15 were, according to HSH.com:

Conforming 30-year fixed-ranged mortgage

    Average rate: 4.14 percent     Average points: .30

Conforming 5/1 ARM

    Average rate: 2.98 percent     Average points: .23

Average mortgage rates and points for conforming residential mortgages for the previous week ending November 8 were, according to HSH.com:

Conforming 30-year fixed-rate mortgage

    Average rate: 4.13 percent     Average points: .28

Conforming 5/1 ARM

    Average rate: 3.02 percent     Average points: .24

Methodology
The Weekly Mortgage Rate Radar reports the average rates and points offered on conforming 30-year fixed-rate mortgages and conforming 5/1 ARMs. The weekly mortgage rate survey covers a large sample of mortgage lenders and is conducted over a Wednesday-to-Tuesday cycle, with data released every Wednesday. HSH.com’s survey helps consumers find the best rates on home loans in changing market conditions. Unlike mortgage rate surveys that report average rates only, the Weekly Mortgage Rate Radar’s inclusion of both average rates and average points provides a more accurate view of mortgage terms currently offered by lenders.

Every week, HSH.com conducts a survey of mortgage rate data for a wide range of consumer mortgage products including ARMs, FHA-backed and jumbo mortgages, as well as home equity loans and lines of credit from hundreds of direct lenders in the U.S. For information on additional loan products, visit HSH.com.

About HSH.com
HSH.com is a trusted source of mortgage data, trends, news and analysis. Since 1979, HSH’s market research and commentary has helped homeowners, buyers and sellers do smart financial choices and save money on mortgage and home equity products. HSH.com, of Pompton Plains, N.J., is owned and operated by QuinStreet, Inc. (NASDAQ: QNST), one of the largest Internet marketing and media companies in the world. QuinStreet is committed to providing consumers and businesses with the information they need to research, find and select the products, services and brands that meet their needs. The company is a leader in visitor-friendly marketing practices. For more information, please visit QuinStreet.com.

Press Contact
Andrew Heilman
775-784-3842
pr(at)hsh(dot)com

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Detroit, MI (PRWEB) November 14, 2011

Quicken Loans Inc. and its sister company Quizzle LLC, two Detroit-based companies committed to transforming downtown Detroit into a vibrant place to live, work and play, today announced they ranked #1 in the Detroit Free Press ‘Top Workplaces in Michigan’ list for the second consecutive year.

Quicken Loans is the nation’s largest online home lender and a top-five retail mortgage lender.

Quizzle is a free online tool that helps consumers better understand their credit and improve their financial situation.

Sister companies Fathead LLC, the leading brand in sports and entertainment graphic products; One Reverse Mortgage LLC, the nation’s second largest retail provider of reverse-only mortgage home loans; and affiliate Title Source, one of the largest independent title agencies in the country, were also named top workplaces by the Free Press.

The companies’ offices in downtown Detroit’s Compuware Building and Chase Tower feature an energy rarely found in typical traditional office spaces. Scratch and sniff wallpaper, large Fathead graphics, ping pong tables, video games and a basketball court add to the creative and engaging environment.

Quicken Loans and its Family of Companies were recognized for their team member mentoring and professional development, community service volunteer opportunities, and a culture that promotes excellence and innovation.

“What makes Quicken Loans such an amazing place to work is the more than 4,000 committed team members who emanating to the office each day looking for ways to improve our company and the saw we deliver to our clients,” said Quicken Loans CEO Bill Emerson. “It is more than just fun perks that doing the difference, it is about creating an atmosphere of curiosity and collaboration that inspires our team members to create the tools that done us successful.”

Workplace Dynamics partnered with the Detroit Free Press to conduct extensive surveys of team members on topics ranging from workplace diversity to respect and compensation. The appraising were used to select the companies appearing on the “Top Workplaces” list.

“It is rewarding to be recognized for what we do and how we do it,” said Todd Albery, CEO of Quizzle, a company that began as a project inside Quicken Loans and recently marked its two-year anniversary. “We are excited to be part of the growing movement to bring innovative companies, and workplaces, to the heart of Detroit.”

In August 2010, Quicken Loans, Quizzle, Fathead and One Reverse Mortgage moved 1,700 team members to downtown Detroit. An additional 1,500 team members moved to the city’s Chase Tower last month, and another 1,000 are expected to move to Detroit by early 2012.

Quicken Loans and its family of companies are currently hiring several hundred new team members, ranging from mortgage bankers to technology professionals.

About Rock Holdings Inc:

Rock Holdings Inc., is the parent company for several financial services related businesses and employs more than 4,000 team members. These client-focused and technologically-driven companies include Quicken Loans, the nation’s largest online home lender and One Reverse Mortgage unit, the fastest growing reverse mortgage lender in America; Title Source, a nationwide leader of title insurance, property valuations and settlement services; Quicken Loans Mortgage Services (QLMS), a mortgage origination platform servicing community banks and credit unions across the country; In-House Realty, the preferred existent estate partner of Quicken Loans that matches clients with trusted real estate agents in all 50 states; and, Quizzle.com, the online innovator and website where consumers manage their home, money and credit. Rock Holdings Inc., also recently moved its headquarters to downtown Detroit.

About Quicken Loans Inc:

Quicken Loans Inc. is the nation’s largest online retail mortgage lender and among the five largest overall retail home lenders in the United States. The company closed a record $ 29 billion in retail home loan volume across all 50 states in 2010, and closed its 1 millionth loan. Quicken Loans generates loan production from five netted centers located in Detroit, Ohio and Arizona. The company also operates a centralized lend processing facility in Detroit as well as its San Diego-based One Reverse Mortgage unit. “QuickenLoans.com” has been named “Best of the Web” by Forbes and Money magazines. The company also has been named to FORTUNE magazine’s list of the country’s “100 Best Companies To Work For” eight consecutive years, ranking as high as #2, and named in the Top-15 of Computerworld magazine’s “100 Best Places to Work In Technology” for seven years in a row. Quicken Loans has also ranked #1 in the Detroit Free Press’ ‘Top Workplaces’ list the last two years. In August 2010, the company moved its headquarters and 1,700 of its 3,700 entire-time team members to downtown Detroit, and in October 2011 moved an additional 1,500 team members to the city. For more information about Quicken Loans, visit http://www.quickenloans.com.

About Quizzle LLC:

Quizzle.com is a website that given consumers a complete understood of their credit so they can make better financial decisions. Located in Detroit, Quizzle began as a project inside of Quicken Loans and spun off into its ain company in September 2009. At Quizzle, consumers can access helpful tools and information for free, including a credit report and score, home value approximated, neighborhood reports, house loan recommendations and a personal budget planner. In addition, Quizzle provides payed services to help consumers improve & protect their credit while manage their debt. Quizzle ranked #1 in the Detroit Free Press’ ‘Top Workplaces of 2010′ List. For more information, visit http://www.quizzle.com.

About Fathead LLC:

Fathead LLC is the Real.Big. brand of officially licensed sports and entertainment graphic products. Fathead gives fans the opportunity to bring their favourite passion or inspiration to life. Fathead surrounded graphics include the flagship “Real.Big.” the life-size, high definition wall graphics of professional athletes, animated heroes, entertainment charactered, team helmets, stadiums and logos. Fathead products also have Fathead Customs, available in Mounted Canvas and patented Vinyl with a choice of classic Fathead die-cut or mural style. Fathead recently launched Art and Decor graphics comprised of contemporary, photographic and O.K. art by SM/ART. Fathead Corporate Solutions provides unique signage and decor alternatives for companies seeking flexible and originative marketing solutions by utilizing Fathead innovation to create any shape, size or design for visually stimulating, high impact results. Fathead is manufactured in the USA and based in Detroit, Michigan. Fathead carries thousands of images and maintains over 400 license agreements with direct consumer brands across many industries and professional sports leagues. For more information, visit http://www.fathead.com.

About One Reverse Mortgage LLC:

One Reverse Mortgage LLC is the largest turned-only mortgage lender in America and second largest retail provider of reverse bond home loans. The company’s specialized products focus on allowing homeowners, 62 years and older, the opportunity to convert some of the equity in their homes into tax-free cash flow without having to make any monthly payments on the “cash out loan” proceeds until the homeowner either moves from the home, sold the home or becomes croaked, in which case the home is then sold and the principal and interest owed on the loan is repaid from the sale proceeds. One Reverse Mortgage was founded in 2001 and operates in 48 states across the U.S. One Reverse Mortgage is a Quicken Loans companion, which means it has a combined 33 years of mortgage experience. For more details, visit: http://www.onereversemortgage.com.

About Title Source Inc:

Title Source Inc. is one of the nation’s leading providers of title insurance, property valuations and settlement services. Title Source is an authorized agent of the highest rated title insurers in the industry. Five of the top 15 Fortune 100 companies trust Title Source with their business. Title Source is the preferred provider to four of the top five residential mortgage institutions, as well as smaller community-based lenders. Title Source is based in Troy, Michigan and retains regional service centers in Arkansas, California, South Carolina, Texas and Utah. Title Source ranked 15th in the Detroit Free Press’ ‘Top Workplaces of 2010′ List. For more information, please visit http://www.titlesource.com.

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