Colin Twiggs is the leading commentator at Incredible Charts (http://www.incrediblecharts.com/) where he writes the Trading Diary (http://www.incrediblecharts.com/free/trading_diary/trading_diary.php), with more than 70,000 subscribers. His specialty is blending fundamental analysis of the economy with technical analysis of stocks, markets, commodities and currencies. Focusing on the role of the Fed and banking credit as primary drivers of the economic cycle, Colin successfully forecast the October 2007 bear market — eight months ahead of the sub-prime crisis. Born in Durban, South Africa in 1958, Colin qualified as a chartered accountant with KPMG before joining international investment bank Investec. After an interesting career in a variety of trading and operational roles, he moved to Australia in 1998, to concentrate on full-time trading. Starting with a background in fundamental analysis, his approach has evolved to mainly technical analysis of stocks, commodities and currencies. Colin, his wife Gaye and four children live in SE Queensland. A keen golfer, Incredible Charts offices are conveniently sited next to a major golf course. He also retains an interest in surf lifesaving and swims regularly. Apart from sport, his interests include history, ethology and preservation of our natural environment. He also supports two major charities, the Leukemia Foundation and the World Wildlife Foundation, for whom Incredible Charts provide free advertising. His time is spent writing the Trading Diary (http://www.incrediblecharts.com/free/trading_diary/trading_diary.php), consulting on further development of Incredible Charts (http://www.incrediblecharts.com/), and researching new material for the website.