How to Ruin the United States of America
          Ben Steincan be seen talking about finance on Fox TV news every week. He has written about finance forBarron’sandThe Wall Street Journalfor decades and contributes regularly to the AARP’sModern Maturity(nowAARP: The Magazine). He was one of the chief busters of the junk bond frauds of the 1980s, has been a long-time critic of corporate executives’ self-dealing, and has written several self-help books about personal finance.       Phil DeMuthis an investment psychologist with a longstanding interest in the stock market. He has written forThe Wall Street JournalandBarron’s,as well asHuman BehaviorandPsychology Today.His opinions have been quoted ontheStreet.comandFortune Magazineand is president of Conservative Wealth Management in Los Angeles.