Book That Guides Consumers During Dire Economic Times Wins Award

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The Two Headed Quarter, an indispensable guide for financially strapped consumers, wins a gold medal in the 2008 Independent Publisher Book Awards.

All financial decisions require consumers to compare numbers. I want to completely change how consumers think about the numbers they compare.

A book that is a survival guide for consumers during this time of economic disaster, continues to receive accolades. The Two Headed Quarter: How to See Through Deceptive Numbers and Save Money on Everything You Buy has won a gold medal in the category Finance/Investments/Economics in the 2008 Independent Publisher Book Awards. Previously the book had been named as a finalist in the 2007 National Best Books Awards in the category Business: Personal Finance. Information about the award is available at the book's Website

Authored by Joseph Ganem, a professor of physics at Loyola College in Maryland and published by Chartley Publishing of Baltimore, The Two Headed Quarter exposes how numbers fool consumers when they make financial decisions. Dr. Ganem reveals the special insights physicists have when looking at numbers--secrets that will revolutionize the way consumers decide to buy.

The economic meltdown now officially affects all of us in everything we the supermarket, at the auto dealership, and in choosing mortgages, credit cards, and investments. The secrets found in this book can help readers save literally thousands of dollars during these lean times. In fact the subprime mortgage crisis shows that not knowing these insights has led to complete financial ruin for many hard-working people.

According to Dr. Ganem, "All financial decisions require consumers to compare numbers. I want to completely change how consumers think about the numbers they compare." To help change the way people think Dr. Ganem has also authored a gallery of free online calculators along with articles and money-saving tips at Visitors will find surprising answers to questions about the total cost of commuting to work, financing homes and cars, and buying items on sale.

The Two Headed Quarter takes its title from a common magician's prop--a device that presents a false choice because it comes up heads no matter which side it lands on. By not revealing the whole story a two-headed quarter deceives people in the same way that numbers are used to deceive many consumers. Dr. Ganem, a math wiz with a sharp eye for numbers, takes an often humorous look at the real meaning behind many common financial offers.

Deceptive numbers in loan agreements contributed to the current unraveling of the financial services industry. Dr. Ganem says about the financial crisis: "I find it deeply ironic that financial services companies now attribute their failures to consumers who did not understand agreements designed not to be understood. Now these same companies are shocked to discover that no one understands the agreements."

For more of Dr. Ganem's commentary on the current financial crisis see his Blog at To schedule an interview or book Dr. Ganem as a speaker, contact him directly at 410-617-2048.


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