Splitting Pennies Book

Splitting Pennies BUY

.. books to increase your Financial IQ

Currency is all around you, even now, as you read this webpage.

You have had a feeling all your life, something is wrong with our world.

Something about our economic system just doesn't add up.

Where does all the money go?  The government?  What do "They" do with it?

Every minute, our money is worth less and less.

We are forced to work more, and more; to compensate for this discrepancy.

Who is to blame?  How does this system function?

Is there a way to profit from it?

Is there a way to protect ourselves from this financial Matrix?

What does the future hold?

Splitting Pennies answers all this and more.  Splitting Pennies is the defining doctrine describing our global financial system through the prism of its mechanism: Forex.  Increase your Financial IQ or enjoy a story of modern finance.  Click here to read our Introduction Letter.

October 2020 Update - With the mainstream media becoming hijacked by special interests, it's more important than ever for people to understand money and markets.  So we have re-released Splitting Pennies and have negotiated new distribution relationships with local bookstores and big chains as well.  Also our new publisher Crediblock.com is working on marketing to a new audience; disruptive fintech.  See blog post from Crediblog.

March 2018 - Splitting Markets released - A complete compilation of complex currency civilization Get it here or click below.

December 2017 Update:  Due to the overwhelming popularity of Bitcoin, we wrote a sequel to Splitting Pennies appropriately named Splitting Bits.  Get it here:




"Splitting Pennies is the pocket guide designed to make you a Forex genius!"

BUY THE BOOK on Amazon - click here

Splitting Pennies cover

Splitting Pennies is available at:

Globally Amazon - Lulu - Barnes & Noble - Local Bookstores - Ed's Editions (Columbia, SC) - Books and Books (Miami, Coral Gables, FL) - Park Road Books (Charlotte, NC)

IT'S NOT NECESSARY TO HAVE A KINDLE TO ORDER A KINDLE BOOK.  Amazon provides a browser based reader.

Bookstores, Libraries, Universities, Corporations - get Splitting Pennies from Ingram ISBN 9781329992351.

Splitting Bits - Understanding Bitcoin and the Blockchain

Splitting Pennies Owners, Register here to get Penny Splitter Forex Strategy and more

WARNING!  This work is registered with the Feds! 

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Here's some recommended reading, from Joseph Gelet, author of Splitting Pennies.  You have to disable your ad-blocker on this domain to see our listed titles.

Splitting Pennies Recommended Products

Get the Penny Splitter Expert Advisor Robotic Automated Algorithmic Forex Strategy for only $15/month or purchase outright for $89 from the Meta Trader Marketplace

Splitting Pennies Research

Petrodollar recycling refers to the phenomenon of major petroleum-exporting nations – mainly the OPEC members – earning more money from the export of crude oil than they could feasibly invest in their own economies. The resulting global interdependencies and financial flows, from oil producers back to oil consumers, can reach a scale of hundreds of billions of US dollars per year across a variety of currencies, heavily influenced by government-level decisions. The phenomenon is most pronounced during periods when the price of oil is historically high.


The Triffin dilemma or paradox is the conflict of economic interests that arises between short-term domestic and long-term international objectives for countries whose currencies serve as global reserve currencies. This dilemma was first identified in the 1960s byBelgian-American economist Robert Triffin, who pointed out that the country whose currency, being the global reserve currency, foreign nations wish to hold, must be willing to supply the world with an extra supply of its currency to fulfill world demand for theseforeign exchange reserves, thus leading to a trade deficit.

The use of a national currency, such as the U.S. dollar, as global reserve currency leads to tension between its national and global monetary policy. This is reflected in fundamental imbalances in the balance of payments, specifically the current account, as some goals require an outflow of dollars from the United States, while others require an overall inflow.

Specifically, the Triffin dilemma is usually cited to articulate the problems with the role of the U.S. dollar as the reserve currency under the Bretton Woods system. John Maynard Keynes had anticipated this difficulty and had advocated the use of a global reserve currency called 'Bancor'. Currently the IMF's SDRs are the closest thing to the proposed Bancor but they have not been adopted widely enough to replace the dollar as the global reserve currency.

In the wake of the financial crisis of 2007–2008, the governor of the People's Bank of China explicitly named the reserve currency status of the US dollar as a contributing factor to global savings and investment imbalances that led to the crisis. As such the Triffin Dilemma is related to the Global Savings Glut hypothesis because the dollar's reserve currency role exacerbates the U.S. current account deficit due to heightened demand for dollars.


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