Description
Cengage Learning India Planning Your Personal Finance12Ed by Michael D. Joehnk Randy Billingsley Lawrence J. Gitman
In the midst of todays shifting financial environment and fast-paced changing lives solid financial planning is more important than ever. Joehnk / Billingsley / Gitmans market-leading PLANNING YOUR PERSONAL FINANCES 12th International Edition 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 editions 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 todays 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. Features: 1.THOROUGH UPDATES EXAMINE THE IMPACT OF THE RECENT GLOBAL FINANCIAL CRISIS ON PERSONAL FINANCIAL PLANNING - Students clearly see the effects of todays financial and economic crises on areas contemporary personal financial planning based on the latest research and input from practicing professionals and leading instructors. However The book continues to emphasize how key principles of personal financial planning - saving diversifying investments watching expenditures and borrowing carefully - remain valid. 2.NEW AUTHOR RANDY BILLINGSLEY BRINGS AWARD-WINNING EXPERIENCE AND FRESH PERSPECTIVE -Dr. Randy Billingsley - adds a fresh voice