How real is global warming?

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We constantly hear about global warming and how it will result in catastrophic events like rising sea levels and the destruction of our coastal cities and the loss of large areas of landmass. But how real is global warming and how worried should we be? I don't pretend to understand the scientific arguments for or against global warming. Like most people I have little choice but to take the word of the experts - but which experts because not all of them agree as to the cause or global warming? For every climate scientist who insists that the human race is responsible for global warming you will find one who insists that we are not and that any perceived rise in global temperatures is due to natural causes (ie: the sun and the Earth's orbit around it) and is part of a normal cycle of variation in temperature which has been happening ever since the planet was created. I understand that the scientific community is rarely in complete consensus about anything but, considering how important this issue is, I find it very disturbing that a consensus hasn't been reached. Could money have something to do with it? I don't want to malign the scientific community but I do know that money for research projects can be hard to find but with global warming (and anything to do with the environment in general) governments seem to be throwing money at the ''problem'' and hoping to find a cure. The trouble is that this could be a very expensive ''cure'' for a condition which doesn't actually exist! I guess it depends on which ''experts'' you choose to believe.