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IPPY Medal

The Two Headed Quarter won a gold medal in the category "Finance/Investment/Economics" of the 2008 Independent Publisher Awards . For more information and a complete list of winners and medalists visit Independent Publisher

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The Two Headed Quarter was a Finalist in the category "Business: Personal Finance" of the National Best Books 2007 Awards. For more information and a complete list of winners and finalists visit USA Book News.

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Check out the answers to these questions:

Do you burn more money than you save buying cheaper gas in your area?

How far should you drive to buy cheaper gas?

How far should you drive to save money?

Is money saved when you buy on sale?

Is it worth going to work?

Does 0% financing save you money on a car?

How do interest rates effect loan payments?

Praise for The Two Headed Quarter

Joseph Ganem accepts the gold medal

Joseph Ganem (right), author of the Two Headed Quarter accepts the gold medal from Jim Barnes (left) at the Independent Publisher Awards ceremony in Los Angeles, California on May 30, 2008.

"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

"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

“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

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