Higher Education

MindTap® Finance, 1 term (6 months) Instant Access for Garman/Forgue's Personal Finance, 12th Edition

  • E. Thomas Garman Professor Emeritus, Virginia Polytechnic Institute and State University
  • Raymond E. Forgue University of Kentucky
  • ISBN-10: 1305502698  |  ISBN-13: 9781305502697
  • © 2015 | Published
  • College Bookstore Wholesale Price = $136.00
Experience MindTap



MindTap™ Finance for Garman/Forgue’s Personal Finance, 12th Edition is the digital learning solution that helps instructors engage and transform today's students into critical thinkers. Through paths of dynamic assignments and applications that you can personalize, real-time course analytics, and an accessible reader, MindTap helps you turn cookie cutter into cutting edge, apathy into engagement, and memorizers into higher-level thinkers.

Additional Product Information

Features and Benefits

  • Control what content students see and when they see it with a learning path that can be used as is, or matched to your syllabus exactly.
  • Create a unique learning path of relevant readings, multimedia, and activities that move students up the learning taxonomy from basic knowledge and comprehension to analysis, application, and critical thinking.
  • Integrate your own content into the MindTap Reader using your own documents or pull from sources like RSS feeds, YouTube videos, websites, googledocs, and more.
  • Use powerful analytics and reports that provide a snapshot of class progress, time in course, engagement, and completion.
  • Empower students with the information to know where they stand at all times--both individually and compared to the highest performers in class.
  • Help students stay organized and efficient with a single destination that reflects exactly what’s important to you, the instructor.
  • Automatically grade assignments and quizzes.

Content and Assets

The MindTap Learning Path guides students through readings, multimedia, and activities designed to follow the learning taxonomy from basic knowledge and comprehension up to analysis and application. By hiding, rearranging, or adding your own content, you control what students see and when they see it and match the Learning Path to your course syllabus exactly.

1. ENGAGEMENT ACTIVITY. These short, participation-based activities start out each chapter of the MindTap learning path as tools to help you pull students into considering the material to be covered applies to them before they dive into it in detail.
2. MEDIA-RICH MINDTAP READER with CONCEPTCLIPS and SELF-CHECK QUIZZES: Students have varying learning preferences, but in order for you to get further in the class time you have, it’s important for them to be familiar with key terms and chapter content. In addition to eReader tools that allow them to capture highlights and notes in a common location for easy review and an app that will read the text aloud to them, students will find interactive tools that support learning key financial terminology – like the new ConceptClips. Developed by Dr. Mike Brandl of The Ohio State University, these vocabulary animations provide students with a memorable and humorous auditory and visual representation of the important terminology for the course. Each ConceptClip has an accompanying short self-quiz so students can check their understanding before moving on. Additionally, each section of text ends with a short reading comprehension self-check quiz for students to use to check their understanding and stay engaged as they move through the material.
3. ASSIGNMENT. Challenge students to apply the concepts they’ve learned with these problem sets, written to assess them on the key topics covered in each chapter and to provide immediate feedback and explanations as they work.
4. CRITICAL THINKING ACTIVITY. Here’s a chance to test your students’ understanding and to encourage them apply what they’ve learned. In these activities, they’ll be introduced to a short, real-world scenario and asked questions about what to do. These provide opportunities for students to to prove to themselves that they understand the chapter’s material, and how it will be important to their own financial future.

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.

  • Printed Access Card

    ISBN-10: 130550268X | ISBN-13: 9781305502680

    List Price = $136.00  | College Bookstore Wholesale Price = $102.00

Efficacy and Outcomes


"MindTap's greatest strengths are the progress tracking and the ability to add [your own] materials that are gradable."

— Stephen Brusnighan, Kent State University

"I'm convinced that the higher course ratings and grades were, in large part, a result of students' engagement. It was an unmitigated success."

— Robert Black, SUNY Maritime College

"Almost across the board, students using MindTap improved on the main learning objectives of the class ...I've never seen any results like this."

— Carey Roberts, Arkansas Technology University

"MindTap was very useful – it was easy to follow and everything was right there."

— Student, San Jose State University

"I'm definitely more engaged because of MindTap."

— Student, University of Central Florida

"MindTap puts practice questions in a format that works well for me."

— Student, Franciscan University of Steubenville

Meet the Author

Author Bio

E. Thomas Garman

A renowned author, advisor, and academic, Garman is a Fellow and Distinguished Professor Emeritus of Virginia Tech University, where he directed the National Institute for Personal Finance Employee Education. He subsequently founded the Personal Finance Employee Education Foundation. Author of 40 book's and 200 academic research articles, Garman directed several award-winning research studies that link the financial fortunes of employers with the financial health of their employees. Research consistently shows that decreasing employee financial distress and improving personal financial well-being creates better workers. Garman's research has been the most cited in the field for over 20 years. He has worked for a U.S. senator in Washington, D.C., in economic development in West Africa, and for a national non-profit credit counseling organization. He is an elected Distinguished Fellow of both the Association for Financial Counseling and Planning Education and the American Council on Consumer Interests. Garman has served on advisory boards for the Board of Governors of the Federal Reserve System, International Board of Standards and Practices for Certified Financial Planners, American National Standards Institute, National Foundation for Credit Counseling, U.S. Food and Drug Administration, and National Advertising Review Board. His consulting includes work for Profit Sharing/401(k) Council of America, Manulife Financial, AT&T, U.S. Navy, U.S. Army, and U.S. Department of Defense. His work has been featured in hundreds of publications, including USA Today, New York Times, The Washington Post, The Los Angeles Times, and U.S. News & World Report, and he has appeared on National Public Radio and NBC Nightly News.

Raymond E. Forgue

Raymond Forgue retired after 28 years as an associate professor in the Department of Family Studies at the University of Kentucky. He served as chair of the department and acting dean of the College of Human Environmental Sciences. Forgue taught various courses in consumer studies, personal finance, and insurance. His professional service has included the presidency of the American Council of Consumer Interests and the Association for Financial Counseling and Planning Education. Since retirement he has continued to write and consult on personal finance education training for the Accredited Financial Counselor certification program, AARP, and other organizations. Forgue serves on the Boards of the Personal Finance Employee Education Foundation and the National Association of Personal Financial Advisors.