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HOLA441
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1
HOLA442

1) Market view - Bear. Market will drop by at least 30%

2) Market position - Waiting to purchase. Not first time buyer

3) Area of country - Herts, just outside N/W London

4) Occupation and Employer - Independent financial adviser. Mortgage broker

Self- Employed

5) Highest level of education - Financial Planning Cerificate 1, 2, 3. Cemap

6) Age - 40 plus (Blush!)

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2
HOLA443
3
HOLA444
4
HOLA445
1) Market View - Bear (Market drop of 30% over approx 3 years)

2) Market Position - STR (move with work)

3) Area of Country - Bedfordshire

4) Occupation and Employer - confidential

5) Highest Level of Education - PhD

6) 40

Welcome back waiting4! (I assume its you the original...I notice from your join date that you've been lurking for a wee while now!) B)

Topher Bear

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5
HOLA446

1) Market View - Bear

2) Market Position - Owner (formerly west london. Equity built up in the UK and "transported" to OZ into Aussie dollars goes a long way, and buys you something bigger tha a shoebox)

3) Area of Country - Sold Up to move down under as the UK & its economy, IMHO, is going down the gurgler

4) Occupation and Employer - Network Manager/telecoms

5) Highest Level of Education - ACCA

6) 38

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6
HOLA447
7
HOLA448

1) Market view - Bear (20 - 30 % depending how long the slowdown lasts)

2) Market postion - OO (poss looking to trade up)

3) Area of Country - Midlands (Birmingham)

4) Occupation and Employer - IT (developer)

5) Highest Level of Education - A-Levels

6) Age - 37

7) Britney or Kylie - Kylie

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8
HOLA449

1) Market view - Bear (way too much debt out there !!)

2) Market postion - BTL bail out in Aug 2004, Owner Occupier/debt free

3) Area of Country - South East London

4) Occupation and Employer - Contrating ACA

5) Highest Level of Education - BSc Maths

6) Age - 35

:D

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9
HOLA4410
10
HOLA4411

1) Market view: Uber Bear

2) Market postion: Sold to travel

3) Area of Country: Cairo, Egypt(formerly Leigh on Sea, Essex.

4) Occupation and Employer : Former Japanese Corp. Banker

5) Highest Level of Education: A-levels (parents couldn't afford to send me to college, thats my story and I am sticking to it)

6) Age (or age group): 32

p.s. The trip is going well. Cairo traffic is erm.....exciting. We have an apartment now in Mohandiseen, and have started arabic lessons. Hello to everyone who know doubt remembers me.

If you want a trip to Egypt and you are not a madman, contact me through tthe e-mail in the members area.

Nice to see you are still all fighting the good fight, and the wife loves all the snide comments about Ms Allsop.

p.p.s. I am now bald, :blink: , as a right of passage of not having any responsibilities, the wife shaved my hair off last night so I could avoid a trip to a cairo barber and look like all the other men in this country, who all seem to support their own national version of the 'Lionel Blair'. I now look like a British soldier, which is perhaps not the best look to have walking the streets of the middle east.......

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11
HOLA4412
12
HOLA4413

1) Market view - Bear

2) Market postion - Owner Occupier with 2 properties paid for and rented out pile of cash from sales in 2002/03

3) Area of Country -South East

4) Occupation and Employer - Senior Manager (professional practice)

5) Highest Level of Education (A Levels) in last stage of professional exams

6) Age - 52

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13
HOLA4414

1) Market view (Bull or Bear) - BEAR

2) Market postion (Prospective FTB, Owner Occupier, STR, BTL, etc) - FTB

3) Area of Country (South East, London, Wales, etc) - Worcestershire

4) Occupation and Employer (leave employer blank if confidencial) - Company Director

5) Highest Level of Education (GCSE, Degree, PhD, etc) - PhD

6) Age (or age group) - 27

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14
HOLA4415
15
HOLA4416
16
HOLA4417

1) Market view (Bull or Bear) BEAR

2) Market postion (Prospective FTB, Owner Occupier, STR, BTL, etc) STR

3) Area of Country (South East, London, Wales, etc) BERKSHIRE

4) Occupation and Employer (leave employer blank if confidencial) FINANCE

5) Highest Level of Education (GCSE, Degree, PhD, etc) DEGREE PLUS PROFESSIONAL QUALS

6) Age (or age group) 35

Practically all respondants are bear. Could we all be convincing each other that the falls are just about to happen, but our information to back this view is actually just ourselves regurjitating stories?

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17
HOLA4418

1) Market view (Bull or Bear) - BEAR 20%-30%

2) Market postion - Prospective FTB

3) Area of Country - Rural Hamps!

4) Occupation and Employer - Princ. Software Engineer, Government/MOD

5) Highest Level of Education - BEng, MEng + several really dull IT qualifications!

6) Age - 29

Wow and I thought I was qualified, most of the guys on here make my sh*t look crap!! Must try harder. . .must try harder. . . . . :(

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18
HOLA4419

1) Market view: Bear (20% falls)

2) Market position: Prospective FTB

3) Area of Country: Bristol

4) Occupation & Employer: Commerial Officer (gruaduate fast track scheme), Ministry Of Defence

5) Highest level of eduction: Degree (BA Hons) currently studying professional qualifications in purchasing and supply

6) Age: 23

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19
HOLA4420
Practically all respondants are bear. Could we all be convincing each other that the falls are just about to happen, but our information to back this view is actually just ourselves regurjitating stories?

This is BBBs and TTRTRs argument, but the fact that so many people are being drawn into this forum and growing everyday, suggests that we are not a minority hoping against hope, that we are well educated, earn decent wages and yet find ourselves in a situation we find bemusing. now either TTRTR is right and we are entering a new era where home ownership is no longer the norm, but something we eventually inherit from our parents (if they haven't spent it all on foriegn holidays in retirement!) or that the situation is out of whack.

the educational level and salary level of most on this board seems to suggest above average and in the top (say 30% plucked out the air), and if we are struggling then what hope the rest of society?

If you can search through a lot of dross (which has been spread by a certain few bulls AND bears) there are some really good facts on this board, which should convince a moderately educated person that this is not right.

now I'm waffling I'll stop!

Take Heart and keep the faith!

Topher Bear

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20
HOLA4421

1) Market view: Bear (10% nominal at least - should rationally be more)

2) Market position: STR (Though other factors too)

3) Area of Country: Warwickshire

4) Occupation 'Resting' (Previously in oil for multiple majors)

5) Eduction: M.Eng (Though who does engineering anymore)

6) Age: 35

Overall happy renting, but edgy and impatient!

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21
HOLA4422
22
HOLA4423

Topher Bear

I don't know that inheritance will get us out of the mire if this is a new paradigm (which I doubt).

Due to the governments beloved IHT and the ever closing loopholes it'll all have to go back to them anyway.

This is one reason I can't understand why people are so willing to pay ever increasing prices for the same house? In my way of thinking the government has managed to extract as much of our current and future earnings through direct tax, indirect tax, high houseprice stamp and stoking the consumer boom all at once, while most people walk around in credit fuelled ignorance.

Sorry starting to rant again.

ps are there instructions somewhere to tell me how to quote properly? Not only Joe public who's being thick this morning.

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23
HOLA4424
24
HOLA4425

1. Only Human but i like bears more than bulls.

2. Renting for last 2 years in Milton Keynes.

3. IT Support Analyst with MCSA & MCSE (Microsoft Certified Systems Engineer)

4. saving loads and hard to get a nice house which i think will drop 20 -30 percent in 3 - 5 years.

5. Turkish and no i dont have a kebab van. Dad used to have a kebab shop though

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