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Personal Financial Planning (12TH 11 - Old Edition)by Lawrence J. Gitman
Synopses & ReviewsPlease note that used books may not include additional media (study guides, CDs, DVDs, solutions manuals, etc.) as described in the publisher comments.
In the midst of today's constantly shifting financial environment and ever-changing lives, personal financial planning is more important than ever before for life success. PERSONAL FINANCIAL PLANNING, 11e creates a solid framework with the tools and techniques to help you better understand, define, and achieve your financial goals. The book follows a life-cycle approach, covering financial plans, assets, credit, insurance, investment, and retirement as you progress through a lifetime. Written in a conversational style with an inviting design and focus on decision making, this edition reinforces solid financial principles with expert advice, helpful tools and examples of both financial successes and failures drawn from actual life. You learn how to effectively use the financial calculator and Internet as critical financial tools. Numerous resources and additional financial insights on this edition's valuable companion website further your learning. Financial Planning software that corresponds with the text provides the first step in your continued personal financial success. The innovative new CengageNOW online learning system helps with homework and achieving the grade you want while focusing your study on the areas you need most. Personal financial planning at its best begins with Gitman/Joehnk's Personal Financial Planning, 11e in your hands today!
In the midst of today's shifting financial environment and fast-paced, changing lives, solid financial planning is more important than ever. Gitman/Joehnk/Billingsley's market-leading PERSONAL FINANCIAL PLANNING, 12E provides your 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 a lifetime. The latest updates throughout this edition reflect the most recent financial developments and research — from new tax laws to professional financial advice that considers the impact of the recent global financial crisis. This edition's inviting new design incorporates opening vignettes, cases, and numerous examples from life as well as a proven, integrated learning system to ensure understanding. Step-by-step features teach students to use today's most critical financial tools and technology, including financial planning software. CFP practice questions provide valuable practice. A complete support package, including CengageNOW online course management system, helps you put the best in personal financial planning in your students' hands.
In the midst of today's ever-shifting finances and changing lives, a strong personal financial plan is more important than ever before. This market-leading PERSONAL FINANCIAL PLANNING, 12E equips you with the tools and techniques you need to better understand, define, and achieve your financial goals. The book follows a life-cycle approach that prepares you to plan and make decisions about assets, credit, insurance, investment, and retirement as you progress through life. The latest updates throughout this edition reflect the most recent financial developments — from new tax laws to the impact of the recent global financial crisis. Brief advice from financial experts, helpful technology software and tools, and examples from actual life prepare you for personal financial success.
About the Author
Lawrence J. Gitman is an emeritus professor of finance at San Diego State University. A prolific writer, Dr. Gitman has more than 50 articles in a variety of leading finance journals, such as Financial Management, Financial Review, Financial Services Review, Journal of Financial Planning, Journal of Risk and Insurance, Journal of Financial Research, Financial Practice and Education, and Journal of Financial Education. He has also authored or co-authored numerous major textbooks covering principles of managerial finance, introduction to finance, corporate finance, personal finance, and investing topics. An investment book, co-authored with Michael Joehnk, was selected as one of 1988's ten best personal finance books by Money magazine. Dr. Gitman is an active member of numerous professional organizations and is past president of the Academy of Financial Services, the San Diego Chapter of the Financial Executives Institute, the Midwest Finance Association, and the FMA National Honor Society. In addition, he is a Certified Financial Planner and a Certified Cash Manager. Dr. Gitman served as vice-president with the Financial Management Association, as a director of the San Diego MIT Enterprise Form, and on the CFP? Board of Standards. He received his B.A. from Purdue University, his M.B.A. from the University of Dayton, and his Ph.D. from the University of Cincinnati. He and his wife have two children and live in La Jolla, Calif., where he is an avid bicyclist.Dr. Joehnk is an emeritus professor of finance at Arizona Sate University. In addition to his current teaching position, he has taught at the University of Wyoming, Texas Tech University, and the University of Tulsa. In 1999, Dr. Joehnk served as Visiting Professor at the University of Otago in New Zealand. He has written extensively in the areas of investments and finance, and has more than 40 articles published in both academic and professional publications. Dr. Joehnk has authored and co-authored several books, including highly successful college-level texts on investing and personal finance. His investments text was recognized as one of 1988's ten best personal finance books by Money magazine and has been translated into Spanish, Russian, Greek, and Mandarin Chinese. In addition to his academic credentials, Dr. Joehnk conducts off-campus training programs and executive development seminars in the U.S. as well as overseas. He has consulted for a number of business firms and financial institutions on a variety of topics in investments and finance, and has served as an expert witness in the area of fixed-income securities.Dr. Billingsley is a finance professor at Virginia Tech University and is an award-winning teacher at both the undergraduate and graduate levels. His research, consulting, and teaching focus on equity valuation, risk management and derivatives-based strategies, and regulatory finance. In 2006 he published a financial analysis book with the Wharton School. In addition, his research has been published in refereed journals, including the Journal of Portfolio Management, the Journal of Banking and Finance, Financial Management, the Journal of Financial Research, and the Journal of Futures Markets. As a consultant, Dr. Billingsley has served as an expert witness on equity valuation, capital cost estimation, and economic damages analysis. His consulting clients include BellSouth Telecommunications, the United States Telecommunications Association, LECG, Sprint and others. A CFA charter-holder, Dr. Billingsley has taught CFA examination review courses at multiple levels for the last 15 years throughout the U.S., Europe and Asia. He is the author of Portfolio Management, Equity Investments and Alternative and Derivative Investments in Candidate Study Notes, Volumes 3 and 4.
Table of Contents
Part I: FOUNDATIONS OF FINANCIAL PLANNING. 1. Understanding the Financial Planning Process. 2. Developing Your Financial Statements and Plans. 3. Preparing Your Taxes. Part II: MANAGING BASIC ASSETS. 4. Managing Your Cash and Savings. 5. Making Automobile and Housing Decisions. Part III: MANAGING CREDIT. 6. Using Credit. 7. Using Consumer Loans. Part IV: MANAGING INSURANCE NEEDS. 8. Insuring Your Life. 9. Insuring Your Health. 10. Protecting Your Property. Part V: MANAGING INVESTMENTS. 11. Investment Planning. 12. Investing in Stocks and Bonds. 13. Investing in Mutual Funds and Real Estate. Part VI: RETIREMENT AND ESTATE PLANNING. 14. Planning for Retirement. 15. Preserving Your Estate.
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