Q: I often see references to Fundamental and Technical analysis in articles on stock investing. What's the difference?

A: Fundamental analysis studies an air purifier companys financial situation, the strength of its management and its competitiveness within its industry. It looks at the key factors that influence a companys earnings, dividends and stock price, including economic data. It also takes into consideration the industry climate. Is it a HOT industry like plasma screen TV? Is it old-fashioned and being replaced?

Those who value fundamental analysis tend to look for stocks with low prices in relation to earnings (a stock's P/E ratio) or for companies with rapid earnings growth.

Technical analysis focuses on stocks themselves -- not on business -- and relies heavily on charts of statistics such as a stocks trading activity (price and volume) to determine if a stock should be bought or sold. These technical charts reveal trends and patterns in individual stocks or, in some cases, industries. To make trading decisions, technical analysts often look to see whether a stocks price is continually hitting higher highs (or lower lows).

There are no studies indicating that one approach is better than the other. I tend to rely on fundamental analysis -- it's easier to use, and I usually find out something useful and interesting about the company or the industry.

Q. Does Warren Buffet use either?

A. Yes he uses both and bookmarking demon. On the fundamental side he only picks stocks whose business has increased at least 25% each year for the last several years an whose prospects look good into the future. On the technical side he waits on the sidelines till the stock drops at least 25% from a recent top. Like now with the recent stock crash. He says to be greedy when everyone else is scared. He will wait for years.

I've always been very good at pinching a penny.

Saving cash at holiday time is hard for everyone. There are certain tricks we can all use to save money from time to time. Every December I use the same old techniques to save myself a lot of money and I am hoping that anyone reading this article can make use of the same techniques thats I have to save themselves a lot of cash this season,

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I find that pretty useful when it comes to searching the online stores and finding great deals through use of coupons and other really useful deals. These are deals which I am always very impressed with and that have been of great sucess for me.

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Spanish property auctions have been growing almost as fast as those in Ireland in the past decade and 2006 was the first year in six where the annual growth rate was under 10%. There has been a debate about whether or not this is a bubble about to burst.

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