These are crazy economic times, the Dow Jones went from 14,000 to 6,500 and back to 10,000. If you own a home you have seen the value drop from20% to 50% depending on what part of the country you live in. This is the first time in modern history that home values have dropped nationally, yes, various pockets of the countrys homes have had down economic times before, but that has been region specific based on unique economic conditions in each area. But this is the first time that Americans have s