Higher Education

PFIN 4, 4th Edition

  • includes CourseMate, 1 term (6 months) Printed Access Card
  • Lawrence J. Gitman San Diego State University - Emeritus
  • Michael D. Joehnk Arizona State University
  • Randall Billingsley Virginia Tech
  • ISBN-10: 1305271432  |  ISBN-13: 9781305271432
  • 464 Pages
  • Previous Editions: 2014, 2012, 2011
  • © 2016 | Published
  • College Bookstore Wholesale Price = $52.50
  • Newer Edition Available
  *Why an online review copy?
  • It's the greener, leaner way to review! An online copy cuts down on paper and on time. Reduce the wait (and the weight) of printed texts. Your online copy arrives instantly, and you can review it anytime from your computer or favorite mobile device.

If you prefer a print copy to review, please contact your representative.

About

Overview

Created by the continuous feedback of a "student-tested, faculty-approved" process, PFIN4 delivers a visually appealing and succinct print component, tear-out review cards for students and instructors, and a consistent online offering with CourseMate that includes an eBook in addition to a set of interactive digital tools proven to increase retention and outcomes. PFIN4 provides clear, approachable content and additional tools to help you further engage students in learning and understanding personal finance.

Features and Benefits

  • Every 4LTR Press solution comes complete with an engaging print textbook, tear-out review cards, an interactive digital solution (CourseMate), and an eBook--all of which were directly influenced from student focus groups and surveys and from interviews with faculty and students.
  • Shorter comprehensive chapters in a modern design present content in a more engaging and accessible format without minimizing coverage for your course.
  • Tear-out review cards at the back of the student edition provide students with a portable study tool containing all of the pertinent information for class preparation.
  • Instructor Prep Cards at the back of the Instructor's Edition make preparation simple with detachable cards for each chapter, offering a quick map of chapter content, a list of corresponding PowerPoint® and video resources, additional examples, and suggested assignments and discussion questions to help you organize chapter content efficiently.
  • Every 4LTR Press solution comes with CourseMate, the interactive digital component that offers a full suite of unique learning tools that appeal to different learning styles. Quizzes, video podcasts, and more are only a click away.
  • Additionally available via CourseMate are Smart Sites, a list of links where finance students can get the most current information related to chapter material; Money Online links to relevant websites and companion exercises that are useful for personal financial planning; Concept Checks, an online section that asks each student to answer a series of question to check his or her comprehension of material in the chapter; and Critical Thinking Cases for each chapter.
  • You get all of the content and resources you expect with a supplements package that is second to none, including a Cognero® test bank, new quizzing, and new PowerPoint® slides--all easily accessible online via your Cengage Learning instructor account.

Table of Contents

Part I: FOUNDATIONS OF FINANCIAL PLANNING.
1. Understanding the Financial Process.
2. Using Financial Statements and Budgets.
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, ETFs, and Real Estate.
Part VI: RETIREMENT AND ESTATE PLANNING.
14. Planning for Retirement.
15. Preserving Your Estate.

What's New

  • Nearly every worksheet in the book has been updated and revised, providing you and your students with fresh, timely content to work from.
  • Exhibits throughout the text reflect up-to-date financial information.
  • Trade and investment company/broker rankings included in the text are all up to date.
  • To keep the text visually engaging for students, many new photos and graphics have been included throughout as useful reference points.

Alternate Formats

Choose the format that best fits your student's budget and course goals

To customize your learning solution, contact your Learning Consultant for more information.

  • Print-Only Bundle

    ISBN-10: 0538480262 | ISBN-13: 9780538480260

    List Price = $.00  | College Bookstore Wholesale Price = $.00

Learning Resource Bundles

Choose the textbook packaged with the resources that best meet your course and student needs. Contact your Learning Consultant for more information.

Bundle: Text + CourseMate, 1 term (6 months) Printed Access Card + LMS Integrated for CourseMate, 1 term (6 months) Instant Access

ISBN-10: 1305786114  | ISBN-13: 9781305786110

List Price = $77.95  | CengageBrain Price = $77.95  | College Bookstore Wholesale Price = $57.50

This Bundle Includes:

  • PFIN 4
    List Price = $69.95  | CengageBrain Price = $69.95  | College Bookstore Wholesale Price = $52.50
  • LMS Integrated for CourseMate, 1 term (6 months) Instant Access
    List Price = $74.95  | CengageBrain Price = $74.95  | College Bookstore Wholesale Price = $74.95


Print Option: PFIN 4 (with CourseMate Printed Access Card)

ISBN-10:  1305596846  | ISBN-13:  9781305596849

List Price = $69.95  | CengageBrain Price = $69.95  | College Bookstore Wholesale Price = $52.50

This Bundle Includes:

  • PFIN 4
    List Price = $69.95  | CengageBrain Price = $69.95  | College Bookstore Wholesale Price = $52.50
  • 4LTR Press Print Option Sticker
    List Price = $.00  | College Bookstore Wholesale Price = $.00


ePack: Text + CourseMate, 1 term (6 months) Printed Access Card + LMS Integrated for Aplia™, 1 term Instant Access

ISBN-10:  1305942108  | ISBN-13:  9781305942103

List Price = $83.95  | CengageBrain Price = $83.95  | College Bookstore Wholesale Price = $62.50

This Bundle Includes:

  • LMS Integrated for Aplia™, 1 term Instant Access
    List Price = $79.95  | CengageBrain Price = $79.95  | College Bookstore Wholesale Price = $79.95
  • PFIN 4
    List Price = $69.95  | CengageBrain Price = $69.95  | College Bookstore Wholesale Price = $52.50


Bundle: Text + CourseMate, 1 term (6 months) Printed Access Card

ISBN-10:  133707103X | ISBN-13:  9781337071031

List Price = $69.95  | CengageBrain Price = $69.95  | College Bookstore Wholesale Price = $52.50

This Bundle Includes:

  • PFIN 4
    List Price = $69.95  | CengageBrain Price = $69.95  | College Bookstore Wholesale Price = $52.50
  • LMS Integrated Sticker
    List Price = $.00  | College Bookstore Wholesale Price = $.00


Supplements

All supplements have been updated in coordination with the main title. Select the main title's "About" tab, then select "What's New" for updates specific to title's edition.

For more information about these supplements, or to obtain them, contact your Learning Consultant.

Instructor Supplements

Put all the instruction tools you need at your fingertips with this all-in-one resource. The website includes instructor resources that accompany this title, such as new PowerPoint® lecture slides.

CourseMate, 1 term (6 months) Instant Access  (ISBN-10: 1305274369 | ISBN-13: 9781305274365)

Enhanced CourseMate brings course concepts to life with interactive learning, study, and exam preparation tools that support the printed textbook.

List Price = $69.95  | CengageBrain Price = $69.95  | College Bookstore Wholesale Price = $69.95

Aplia™, 1 term Instant Access  (ISBN-10: 1305393074 | ISBN-13: 9781305393073)

Aplia significantly improves outcomes and elevates thinking by increasing student effort and engagement. Developed by teachers and used by more than 1 million students, Aplia assignments connect concepts to the real world and focus on the unique course challenges that students face.

List Price = $79.95  | CengageBrain Price = $79.95  | College Bookstore Wholesale Price = $79.95

LMS Integrated for CourseMate, 1 term (6 months) Instant Access  (ISBN-10: 1305668871 | ISBN-13: 9781305668874)

This access code will provide your students with seamless access to their CourseMate resources from within your campus Learning Management System. Students will be prompted to enter this access code the first time that they click on a link in your course that includes Cengage content.

List Price = $74.95  | CengageBrain Price = $74.95  | College Bookstore Wholesale Price = $74.95

LMS Integrated for Aplia™, 1 term Instant Access  (ISBN-10: 1305665880 | ISBN-13: 9781305665880)

This access code will provide your students with seamless access to their Aplia resources from within your campus Learning Management System. Students will be prompted to enter this access code the first time that they click on a link in your course that includes Cengage content.

List Price = $79.95  | CengageBrain Price = $79.95  | College Bookstore Wholesale Price = $79.95

Student Supplements

CourseMate, 1 term (6 months) Instant Access  (ISBN-10: 1305274369 | ISBN-13: 9781305274365)

Enhanced CourseMate brings course concepts to life with interactive learning, study, and exam preparation tools that support the printed textbook.

List Price = $69.95  | CengageBrain Price = $69.95  | College Bookstore Wholesale Price = $69.95

Aplia™, 1 term Instant Access  (ISBN-10: 1305393074 | ISBN-13: 9781305393073)

Aplia significantly improves outcomes and elevates thinking by increasing student effort and engagement. Developed by teachers and used by more than 1 million students, Aplia assignments connect concepts to the real world and focus on the unique course challenges that you face.

List Price = $79.95  | CengageBrain Price = $79.95  | College Bookstore Wholesale Price = $79.95

LMS Integrated for CourseMate, 1 term (6 months) Instant Access  (ISBN-10: 1305668871 | ISBN-13: 9781305668874)

This access code will provide you with seamless access to your CourseMate resources from within your campus Learning Management System. You will be prompted to enter this access code the first time that you click on a link in your course that includes Cengage content.

List Price = $74.95  | CengageBrain Price = $74.95  | College Bookstore Wholesale Price = $74.95

LMS Integrated for Aplia™, 1 term Instant Access  (ISBN-10: 1305665880 | ISBN-13: 9781305665880)

This access code will provide you with seamless access to your Aplia resources from within your campus Learning Management System. You will be prompted to enter this access code the first time that you click on a link in your course that includes Cengage content.

List Price = $79.95  | CengageBrain Price = $79.95  | College Bookstore Wholesale Price = $79.95

Meet the Author

Author Bio

Lawrence J. Gitman

Lawrence J. Gitman is an emeritus professor of finance at San Diego State University. He received his BA from Purdue University, MBA from the University of Dayton, and PhD from the University of Cincinnati. A prolific author, Dr. Gitman has published more than 50 articles appearing in FINANCIAL MANAGEMENT, the FINANCIAL REVIEW, JOURNAL OF FINANCIAL PLANNING, JOURNAL OF RISK AND INSURANCE, FINANCIAL SERVICES REVIEW, JOURNAL OF FINANCIAL RESEARCH, FINANCIAL PRACTICE AND EDUCATION, JOURNAL OF FINANCIAL EDUCATION, and other scholarly publications.

Michael D. Joehnk

Michael D. Joehnk is an emeritus professor of finance at Arizona State University. In addition to his academic appointments at ASU, Dr. Joehnk spent a year as a visiting professor of finance at the University of Otago in New Zealand. He received his BA and PhD degrees from the University of Arizona and his MBA from Arizona State University. A Chartered Financial Analyst (CFA), he served as a member of the Candidate Curriculum Committee and of the Council of Examiners of the Institute of Chartered Financial Analysts. He also served as a director of the Phoenix Society of Financial Analysts and as secretary-treasurer of the Western Finance Association and was elected to two terms as vice president of the Financial Management Association. Dr. Joehnk has authored or co-authored more than 50 articles, five popular books, and numerous monographs. In addition to co-authoring several books with Dr. Gitman, Dr. Joehnk wrote the highly successful paperback tradebook INVESTING FOR SAFETY’S SAKE. He also has served as editor and contributed to several other prominent books. His articles have appeared in FINANCIAL MANAGEMENT, JOURNAL OF FINANCE, JOURNAL OF BANK RESEARCH, JOURNAL OF PORTFOLIO MANAGEMENT, JOURNAL OF CONSUMER AFFAIRS, JOURNAL OF FINANCIAL AND QUANTITATIVE ANALYSIS, AAII JOURNAL, JOURNAL OF FINANCIAL RESEARCH, BELL JOURNAL OF ECONOMICS, DAILY BOND BUYER, FINANCIAL PLANNER, and other publications. Dr. Joehnk served a six-year term as executive co-editor of the JOURNAL OF FINANCIAL RESEARCH. He and his wife live in Flagstaff, Arizona, where they enjoy hiking and other activities in the nearby mountains and canyons.

Randall Billingsley

Randall Billingsley is a finance professor at Virginia Tech and an award-winning teacher at both the undergraduate and graduate level. His research, consulting, and teaching focus on equity valuation, risk management and derivatives-based strategies, and regulatory finance. He holds an M.S. in economics and a PhD in finance from Texas A&M. In 2006, he published a financial analysis book with the Wharton School. In addition, his research has been published in many professional journals, including the JOURNAL OF PORTFOLIO MANAGEMENT, JOURNAL OF BANKING AND FINANCE, FINANCIAL MANAGEMENT, JOURNAL OF FINANCIAL RESEARCH, and JOURNAL OF FUTURES MARKETS. He is the former vice president of the CFA Institute. At Virginia Tech he advises the Student-Managed Endowment for Educational Development, which manages an equity portfolio of about $5 million.