personal indebtedness. On 21 Jan 2007 O’Connor penned an article "Jade Cowen and the Big Housing Bother that needs to be voted off". Here he urged his readers, "... There is only one answer to all this. We must stand firm. Don't sell right now. This is as bad as it gets, and while it's scary, important decisions shouldn't be made in a time of panic. Hang on a year. Don't be pushed around by Cowen and smug buyers who think they're in the driving seat..." Soon after that on 11 Feb 2007 O’Connor advocated in another piece, "Shout from the rooftops: house prices are rising", his opinion that "... Furthermore the economy looks healthy, demand for houses will increase as we continue to add about 100,000 people a year to our population, and as there are fewer people per household, more households are needed for the same number of people. And job creation continues apace too. All of these actual factors point to a healthy property market. And by healthy we mean house prices going up...". In July 2007, O'Connor penned what became his most notorious article, "The smart, ballsy guys are buying up property right now", advising his readers to invest in property, saying that "... the really smart and ballsy guys are the guys who are buying when no one else is... " and, ".... if I wasn't already massively over-exposed to the property market by virtue of owning a reasonable home, I'd be buying property...". Later on, post-collapse of the Irish property market, O’Connor wrote on 14 June 2009, "... As a homeowner, in massive negative equity, who knows a lot of other homeowners who are in massive negative equity, I want to know why John Hurley, Governor of the Central Bank of Ireland, has a job. I want to know who the f--ck John Hurley thinks he is. He and his Central Bank cronies have made a complete balls of this country. I want John Hurley fired...". And on 10 January 2010 he wrote an article, "No use cursing day we mounted property ladder" where he lamented the media's role in the bubble - "... All those paper millions that made us all feel so rich are gone, and now we curse the day we ever got on the ladder, we curse the ancestry that gave us this obsession with the land, and we curse