i get the freezing to, or random restarts, sometimes during hte game, most of the time when i quit and save and go to the region view though, see sig for sys info
i love the game, me and my lil pro have work up a population of about 10,000 so far... the trip is to not listen to your sims for the first few years, only buy stuff that brings in tax revenue(ie industry, commercial, and residential) the more people, the more money, as long as you have jobs, never stop zoning residential, they may say they want schools and clinics, but only buy them once you start making $400and up, takes a while, but thats the easiest way not to get into debt after playing for 15 minutes...
i build in this order:
power
industrial
about 4 blocks worth of houses to begin with
commercial(between houses and jobs, but leave a buffer for the industry, comerce and residents hate polution)
roads, not streets, between everything
after i start making more money then i spend(after your residents give enough taxes)then make ONE clinic
same for water
same for schools
i don't worry about crime, you still have pie throwers and nudity even with a police station, so don't waste your money, and fires happen so rarly i don't place one till it happens
then expand your education.... get better jobs