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    The rapid increase in home values has proven to be as good as lottery winnings for homeowners in many areas. But look out - old tricks may no longer fool anyone.

    The real estate boom has bailed out many folks who have been caught between higher bill payments and flat incomes. These homeowners have been able to tap their increased home equity to support a life style that they really could not afford. Home equity has provided the juice that has been keeping our national economy afloat.

    Home equity loans have allowed home owners the chance to pull out cash that they then spent on new cars, furniture, vacations and other luxuries. Another boost to their life styles was generated when ho

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    The real estate boom has bailed out many folks who have been caught between higher bill payments and flat incomes. These homeowners have been able to tap their increased home equity to support a life style that they really could not afford. Home equity has provided the juice that has been keeping our national economy afloat.

    Home equity loans have allowed home owners the chance to pull out cash that they then spent on new cars, furniture, vacations and other luxuries. Another boost to their life styles was generated when h

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    . These homeowners have been able to tap their increased home equity to support a life style that they really could not afford. Home equity has provided the juice that has been keeping our national economy afloat.

    Home equity loans have allowed home owners the chance to pull out cash that they then spent on new cars, furniture, vacations and other luxuries. Another boost to their life styles was generated when h

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    has provided the juice that has been keeping our national economy afloat.

    Home equity loans have allowed home owners the chance to pull out cash that they then spent on new cars, furniture, vacations and other luxuries. Another boost to their life styles was generated when h

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    out cash that they then spent on new cars, furniture, vacations and other luxuries. Another boost to their life styles was generated when home owners refinanced using adjustable-rate mortgages that cut their monthly payments. They seemingly had more ready cash to spend.

    Consumers who had buried themselves under a mountain of credit card debt have been able to evade foreclosure and bankruptcy by quickly selling their homes. With the proceeds from the sale they've been able to pay down at least some of their debts and gain some financial breathing room.

    All that was yesterday! Take a close look at what's happening today. In many areas of the country real estate prices are flattening

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