The housing market, the stock market, the banking industry... oh woe is me... Enough already. Everybody chill out. This is most certainly not the end of the world. If there is one guiding principal that we can all follow here it is KISS or Keep It Simple Stupid for the uninitiated. Where did all of these problems we are experiencing now start? (Complex) Greed. Can't afford to put 20% down on a house, that's no big deal. Just sign here and we'll get you that house of your dreams. No need to know the details, after all you deserve that house, right? Granted, you have done nothing to earn it, (like save money), but this is America and you want it now. That was then and this is now. Those details about your interest rate and payments seem to be pretty important now. Perhaps some folks should have been paying better attention in class...

Try as I may, Ken Rockwell (the photo guy) explains way better than I can why we all need to cool it.

No More Whining