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Praise for The Two Headed Quarter

Praise for The Two Headed Quarter

“Physics teacher Joseph Ganem applies his mathematical expertise to the realm of money and finance in The Two Headed Quarter: How to See Through Deceptive Numbers and Save Money on Everything You Buy, 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


“If you liked Freakonomics, you'll absolutely love The Two Headed Quarter! Joseph Ganem provides a fascinating look into how clever marketing and advertising techniques are used to manipulate consumers. Read this book to avoid being financially duped—and to understand what's really behind the numbers—anytime you borrow money, save, spend or invest your hard-earned dollars.”

—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


“Ever had the feeling that a deal you were being offered was too good to be true? In The Two Headed Quarter: How to See Through Deceptive Numbers and Save Money on Everything You Buy, Joseph Ganem of Loyola College, Maryland, 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


“My whole family enjoyed reading and discussing this book. The author makes mathematics very understandable. He provides fascinating insights on how numbers can be used to manipulate perceptions of reality. A must read.”

—Joseph Procaccini
Reviewer on Amazon.com


“Want to know how to avoid being ripped off or tricked by deceptive claims? Buy this book, read it and pull it down from the shelf to review relevant sections before you borrow money or make large purchases. Helpful and humorous, with some tables that I found helpful.”

—D. Sewall
Reviewer on Amazon.com




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