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    <title>Roger Schlesinger's Townhall.com Column</title>
    <description>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 over 400 stations across the nation and has become the driving force in Roger's consumer-oriented, "mortgage education" approach to residential lending. </description>
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      <description>TownHall.com, Where your opinion counts.</description>
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    <copyright>Copyright (c) 2009 Townhall.com, A Salem Communications Web.  ALL RIGHTS RESERVED</copyright>
    <webMaster>jim.dearras@townhall.com (Jim De Arras)</webMaster>
    <pubDate>Mon, 21 Dec 2009 21:16:28 GMT</pubDate>
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      <title>Time Has Not Run Out!</title>
      <description>As we reach the end of another year we realize that many things we had planned to do remain as they were when we added them to the list, and in some cases the time to accomplish this task has passed.  If you were going...</description>
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      <pubDate>Mon, 21 Dec 2009 21:16:28 GMT</pubDate>
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      <title>The Recession is Over?</title>
      <description>If you're out of work or your hours have been drastically reduced, then I don't have to tell you about the recession. Likewise, if you've lost your home, you know we're far from out of the woods. But if you're among the...</description>
      <link>http://www.townhall.com/columnists/RogerSchlesinger/2009/12/11/the_recession_is_over</link>
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      <pubDate>Fri, 11 Dec 2009 18:44:12 GMT</pubDate>
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      <title>Consecutive Term? I Think Not!</title>
      <description>
 

When the Framers of the Constitution determined that elected representatives should be allowed to serve consecutive terms in office, they couldn't have foreseen anything like the multi-year, multi-million dollar...</description>
      <link>http://www.townhall.com/columnists/RogerSchlesinger/2009/11/19/consecutive_term_i_think_not!</link>
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      <pubDate>Thu, 19 Nov 2009 18:14:59 GMT</pubDate>
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      <title>Could You Get Trampeled?</title>
      <description>Crowd psychology is interesting, especially when it comes to investors, who generally move in the opposite direction from the one in which they're being led.  When an action is taken to try and change market behavior,...</description>
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      <pubDate>Thu, 22 Oct 2009 15:45:00 GMT</pubDate>
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      <title>Will They Read the Bill?</title>
      <description>   I remember as a high school student, once in a while, actually more than once in a while, waiting until the night before an exam to begin studying. By that time, it was too late to read the book, so I used Cliff Notes</description>
      <link>http://www.townhall.com/columnists/RogerSchlesinger/2009/10/16/will_they_read_the_bill</link>
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      <pubDate>Fri, 16 Oct 2009 19:17:33 GMT</pubDate>
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      <title>Icebergs Are Everywhere</title>
      <description>Like the icebergs that sunk the Titanic, hidden dangers lurk in the murky depths of the American economy. They are as difficult for our economists to see as they were for the captain of the Titanic. Our economy is...</description>
      <link>http://www.townhall.com/columnists/RogerSchlesinger/2009/10/13/icebergs_are_everywhere</link>
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      <pubDate>Tue, 13 Oct 2009 15:35:00 GMT</pubDate>
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      <title>Navigating Through the Mortgage Morass</title>
      <description>Applying for and obtaining a mortgage loan used to be a routine matter. Not any more. The politicians have chimed in and turned the process into something akin to the struggle between good and evil. Now you need a guide...</description>
      <link>http://www.townhall.com/columnists/RogerSchlesinger/2009/10/08/navigating_through_the_mortgage_morass</link>
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      <pubDate>Thu, 08 Oct 2009 18:40:00 GMT</pubDate>
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      <title>Taking Time to Get It Right</title>
      <description>When I was a young man graduating from college, more years ago than I choose to admit, I interviewed with various prospective employers. I remember the International Business Machine (IBM) recruiter telling me that the...</description>
      <link>http://www.townhall.com/columnists/RogerSchlesinger/2009/09/29/taking_time_to_get_it_right</link>
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      <pubDate>Tue, 29 Sep 2009 15:30:09 GMT</pubDate>
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      <title>From Out of the Wilderness Come</title>
      <description>Now that I have your attention.. In a normal economy, most people who sell their houses (with the exception of those relocating for lifestyle or career reasons) plan to move up to bigger, better, or more...</description>
      <link>http://www.townhall.com/columnists/RogerSchlesinger/2009/09/21/from_out_of_the_wilderness_come</link>
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      <pubDate>Mon, 21 Sep 2009 16:05:00 GMT</pubDate>
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      <title>It's Time to Make the Move</title>
      <description>On May 11th of this year, I wrote a column "The Real Estate Market Has...", stating I believed that the bottom had been reached in some areas of the country for residential real estate and suggested that you begin...</description>
      <link>http://www.townhall.com/columnists/RogerSchlesinger/2009/08/26/its_time_to_make_the_move</link>
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      <pubDate>Wed, 26 Aug 2009 21:33:49 GMT</pubDate>
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      <title>If You Don't Know It, Don't Try and Run It</title>
      <description> 
Now that we have seen "amateur night at the Bijou," starring the President and the Congress, maybe we can realize that knowledge of a subject should be somewhat of a prerequisite to running anything: ice cream truck, </description>
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      <pubDate>Fri, 21 Aug 2009 22:11:34 GMT</pubDate>
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      <title>Are We Afraid of Results?</title>
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An answer is what every question needs, a result is what every experiment needs.  So why aren't we concerned with results?  The only thing that seems to be interesting to the general public is a quick blush of results...</description>
      <link>http://www.townhall.com/columnists/RogerSchlesinger/2009/08/12/are_we_afraid_of_results</link>
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      <pubDate>Wed, 12 Aug 2009 22:09:35 GMT</pubDate>
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      <title>Government Mistakes Are Our Problem?</title>
      <description>As strange as it might be, it has come to my attention that the government has, on occasion, over promised and under delivered.  Freely translated:  they overestimated results and underestimated costs.  It's really a...</description>
      <link>http://www.townhall.com/columnists/RogerSchlesinger/2009/08/06/government_mistakes_are_our_problem</link>
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      <pubDate>Thu, 06 Aug 2009 15:20:13 GMT</pubDate>
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      <title>Our Fifty States: Really United?</title>
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I was struggling with the answer to the question of state unity, and the only clue I have that stopped me from saying "no" unequivocally is the fact that we can travel from state to state without a passport... for...</description>
      <link>http://www.townhall.com/columnists/RogerSchlesinger/2009/08/03/our_fifty_states_really_united</link>
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      <pubDate>Tue, 04 Aug 2009 01:12:07 GMT</pubDate>
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      <title>Trying to Hit a Moving Target</title>
      <description>This title might suggest this is a militaristic column or worse, as in terrorism of some sort.  So let me put your mind at ease and confess this is only about the mortgage industry, which in reality makes the first two...</description>
      <link>http://www.townhall.com/columnists/RogerSchlesinger/2009/07/24/trying_to_hit_a_moving_target</link>
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      <pubDate>Fri, 24 Jul 2009 19:18:50 GMT</pubDate>
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