About The Two Headed Quarter

The Two Headed Quarter is an indispensable lifetime guide for consumers. Useful, informative, and highly entertaining, it exposes everyday consumer deceptions and provides real-world tips and tactics to help consumers make better financial decisions.

Praise for The Two Headed Quarter

"If you liked Freakonomics, you'll absolutely love The Two Headed Quarter! A fascinating look into how clever marketing and advertising techniques are used to manipulate consumers.”

- Lynnette Khalfani, author of The Money Coach's Guide to Your First Million and the New York Times bestseller Zero Debt: The Ultimate Guide to Financial Freedom

“If every consumer read The Two Headed Quarter, we'd have con artists and fraudsters on the run in no time.”

Bob Sullivan, MSNBC journalist and author of Gotcha Capitalism: How Hidden Fees Rip You Off Everyday and What You Can Do About It

"A no-nonsense guide to the technically legal yet inordinately deceptive practices of modern advertising: "low, low monthly payments", "zero percent interest", and many more offers too good to be true "only if you buy today!" Chapters cover how to apply reasonable estimations in one's approach to financial planning, the mathematics of income growth and investing, how to carefully evaluate loans, and much more. Though mathematically astute, The Two Headed Quarter is written to be thoroughly accessible to lay people and is very strongly recommended for readers of all economic and financial backgrounds.

- Midwest Book Review

“Ever had the feeling that a deal you were being offered was too good to be true? Joseph Ganem uses his physicist’s eye to scrutinize the bewildering tactics used to extract money from consumers. On one level the book is a practical guide to avoiding being taken for a ride at the shops, the banks or the casino–Ganem included worksheets to calculate the true cost of loans and mortgages, for example. But he uses this setting to subtly introduce some of the tools of the physicists’ trade: order of magnitude calculations, statistical and systematic errors, and the math of exponential growth. Although the financial examples are taken from the US, the clear thinking will be appreciated by all.”

—Physics World