For those of us who are complete nerds and sat on the edge of our seats to see if The Fed would decide to raise the overnight lending rate again in their most recent meeting, we were both let down and excited  – no change, of course.  For those of us who aren’t quite so nerdy but do, in fact, care about  what interest rates are doing and will be doing, I wanted to take this moment and interject a little . . . calm.  Let’s take a look at a handful of things, okay? While interest rates today are creeping in the upper 4s to lower 5s, please remember that back in 1981 ( yes , I realize many of you were not even born, but I’m not asking for a show of hands) interest rates peaked just over  18.5% .  Yes, you read that correctly  – about FOUR TIMES the rate we’re dancing with at the mortgage disco today.   The average price of a new home back in 1981 was $83,000.  On a fixed-rate, 30-year mortgage for such a house, the principal and interest payment at 18.5% would be approximat