Knowing what to do with your money is more important than ever. Gitman/Joehnk/Billingsleyas market-leading PERSONAL FINANCIAL PLANNING, 13E, provides students with the tools, techniques, and understanding they need to define and achieve their financial goals. The book follows a life-cycle approach--addressing financial plans, assets, credit, insurance, investment, and retirement--as individuals and families progress through life. The latest updates reflect the most recent financial developments and research--from new tax laws and the latest financial data to professional financial advice that considers the impact of the recent global financial crisis. The 13th edition is packed with new information relevant to todayas students--for example, changing spending habits for the better, knowing the right questions to ask a financial adviser, using tips on budgeting and planning for retirement, knowing what to look for when choosing a bank, knowing whether to buy or lease a car, knowing whatas important when buying your first home, and choosing the right credit card. All-new features teach you to use todayas critical financial tools and technology, including financial planning software. CFP practice questions provide valuable practice. The CengageNOW online learning system helps you complete your homework and achieve the grade you want. Important Notice: Media content referenced within the product description or the product text may not be available in the ebook version.Consumers find credit and debit cards more convenient than cash or checks, and the number of other benefits (e.g., rebates and frequent flyer miles) continues to grow. ... Exhibit 6.5 provides an example of a bank credit card application.
|Title||:||Personal Financial Planning|
|Author||:||Lawrence Gitman, Michael Joehnk, Randy Billingsley|
|Publisher||:||Cengage Learning - 2013-02-27|