Anyone here worried about the U.S. housing crisis?  Homes are worth quite a bit less than they were worth just a year ago.  Foreclosures are rising at a very high rate.  And, interest rates are about to go up.  That doesn't look good for anyone who owns a home and it doesn't look good for the economy as well.  With gasoline over $4 a gallon and food prices on the rise, things could get really nasty.  And, if the U.S. economy goes down, so will the economies of the rest of the world.  I think the real root of the problem is that Americans don't know how to save their money and prepare for times like this.  What do you all think?