Roger Schlesinger
The Mortgage Minute Guy

Mortgage Minute Guy

Roger Schlesinger, originator of the nationally-renowned Mortgage Minute, has been helping educate his clients to meet their real estate financing needs for over 25 years. Roger’s “Mortgage Minute” is heard daily on a multitude of stations across the nation and has become the driving force in Roger’s consumer-oriented, “mortgage education” approach to residential lending.

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It’s Time to Act, Fast

Posted on February 2, 2014

Unemployment in America is extremely frustrating to those of us who can easily realize that the government is the major cause of the problem. If Congress, the Senate and the White House could take a long needed, but unearned vacation, say five or six years; when they returned unemployment wouldn't be the problem. Deficit spending wouldn't be a problem either because the aforementioned trio is the root cause of deficit spending.

The Obama administration believes that the more laws they pass, the more restrictions they introduce, the more roadblocks they build, the better the country will become. Unfortunately they are wrong and their solutions are even worse. Our country is definitely lacking statesman who want the best for the country and nothing for themselves. What we have is just the opposite.

We are moving too fast in the wrong direction and it needs to stop. Right now we have the lowest participation rates for labor in decades. Almost 4 out of every 10 people who could work haven't a job and aren't really looking for one. We have to put an end to the frivolous habits of our leaders: spend until it hurts! (Us not them). We need the special interest groups to find new interests; especially interests that don't hurt or slow down our economy.

Here is the stumbling block that doesn't seem to bother our leaders: unemployment.

Instead of doing everything we can to create jobs in the right industries we have a government that is against fracking but applauds our energy independence from fracking. We yield to the environmentalists who want the forest untouched and then fight forest fires which rids us of our timber and prime lands when the untended trees are ripe for forest fires. There are many more examples but I believe you see the point.

On a long term problem, education, we keep throwing money at it, watch our children's children's competitiveness spiral downward against the rest of the world while the administrators and union's pensions increase.

It was just announced that we increased our debt with China by over $10 billion in the last few months to $1.3 trillion and we even owe Brazil 1/4 of a trillion dollars. Try and find a country we don't owe money! Does owing the world fit in your comfort level?

Has your standard of living increased? I don't think so since Gallup just released a poll showing 45% of the public feel they are worse off today than a year ago!

It is time to TAKE OUR COUNTRY BACK! Send them on vacation and let them do what they want. We must tell them as they leave town not to touch our money and our future. We will pay all the mandatory bills and none of the discretionary bills. If we can keep them on vacation for the entire six years there will not be any discretionary bills, because they won't be in Washington to champion their causes.

When they come back we have to be ready with new rules:

1. Deficit spending is outlawed.

2. If they work for the people (we need to remind them that they do) and they break a law, or worse demonstrate lack of ability, they are released from the position.

3. No more laws passed by them that exempt them. Ever!

4. They get the same health insurance we have and for retirement social security. If that isn't enough they certainly can have IRA's that they set up.

5. They travel on our airlines at their cost unless they have an assignment in which case they can go on military planes. A fact finding mission in Patagonia is not an assignment.

The list is just a beginning which we can vote on during the 6 years they are being the biggest help they can be to us: leaving us alone! Although the world will be around forever, America's survival isn't looking great. We need to change that NOW!

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Number One Freedom

Posted on February 2, 2014

The goal of the modern progressive party is equality for all. Does that mean I will be as rich as Bill Gates is now, or does it mean that Bill Gates is heading for an awful drubbing, and will be as "rich" as I am, right now? I will sign on immediately to the first proposal but I doubt Bill Gates will sign onto the second proposal. Why should he? He almost single handedly changed the world; I changed the way a few thousand people paid their mortgage. Hardly equal under any approach to even the playing field!

But let's take a closer look. About 25 years ago I settled on becoming a real estate broker after working in finance and being a real estate developer specializing in refurbishing old commercial and residential buildings. I began the new venture as interest rates started falling from double digits to around 6 percent. Once I started, I realized that real estate financing was the best option for me and formed a company. Over the last 20 years I employed at least 100 people and together we enriched each other's lives. I sold the company in 2007 and the majority of my employees and associates are still in the business doing very well. I now have another small company that is doing fine.

Now did Bill Gates do anything different than that? He didn't invent the computer or the internet, but he certainly developed a better way to use both. He started a company and also an industry. For every 10 employees I have had he has had tens of thousands.

He gives annually more to charity than I will ever earn. I may give more, percentage-wise, than he does - but I doubt it. More to the point he makes millions of people better from his gifts and the world is better for his accomplishments.

The one equality Bill Gates and I shared is the ability to do what we wanted, when we wanted and we each created to our ability. My life has been a dream because I could make as many mistakes as I could afford and still go on. I dare say this freedom to be or do what you want was exactly the same for Bill Gates as I experienced. We both were FREE to do what we wished and that is all you should ever want!

Am I envious of Bill Gates, hardly! Do I salute Bill Gates, absolutely! Now you can see that the equality this country is now seeking will never work and worse, will kill those who have the dream, the desire and the work ethic it will take to keep us the number one country in the world. Aside from the fact that redistribution of wealth is just legalize stealing it also kills initiative. If we kill initiative in the medical industry we soon will be going to Canada for our catastrophic illness, instead of the way it is today.

What we do not need in this Country is politicians talking about their kind of equality: making sure everyone has equal pay and eventually equal worth. What we do need is businessmen or women who know the one thing that made us great and will keep us great is to have the freedom to follow our dreams and watch them grow into a beautiful reality. THAT IS WORTH FIGHTNG FOR ABOVE EVERYTHING ELSE!

So lets drop the thought of universal equality and count our blessings for the freedoms we do enjoy today, and hopefully forever.

P.S. I have never met or talked with Bill Gates but that doesn't mean I can't appreciate him.

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