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Personal Financial Planning 14th Edition

Randy Billingsley, Lawrence J. Gitman, Michael D. Joehnk

  • Published
  • Previous Editions 2014
  • 656 Pages
Starting At 140.00 See pricing and ISBN options

Overview

PERSONAL FINANCIAL PLANNING, 14E, provides the framework and context for solving key personal financial planning problems. Using numerous examples, practical illustrations, and a lot of common sense and intuition, instructors will find both appealing substance and style that will effectively engage the student. The 14th edition is packed with information relevant to 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 what’s important when buying your first home, and choosing the right credit card. A complete support package, including CengageNOW, Aplia, or MindTap online course management system, saves you time as you put the best in personal financial planning in students’ hands.

Randy Billingsley, Virginia Tech University

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.

Lawrence J. Gitman, San Diego State University - Emeritus

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, Arizona State University

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.
  • THE MOST CURRENT UPDATES AVAILABLE REFLECT THE LATEST TAX LAWS AND FINANCIAL DATA. The latest updates to this leading text incorporate all of the newest tax laws with special sections on tax preparation as well as recent personal examples and contemporary financial advice. The latest financial data, figures, and tables keep your course up to date as you present text content.
  • HIGHLIGHTED PRACTICAL EXAMPLES. Each chapter has a series of highlighted practical examples that illustrate everyday applications of the covered material. Examples include the impact of starting an IRA early, calculating the maximum affordable mortgage, credit card choice trade-offs, homeowner’s insurance policy coverage limits, evaluating mutual funds and exchange-traded funds, and the use life insurance in estate planning.
  • THE “FINANCIAL IMPACT OF PERSONAL CHOICES” EXAMINES AN IMPORTANT DECISION RELATED TO EACH CHAPTER. New to the 14th edition is the Financial Impact of Personal Choices feature, which presents a personal financial planning decision related to an important topic in each chapter and evaluates the outcome.
  • THOROUGH UPDATES BRING A MORE PERSONAL TOUCH TO THE SUBJECT MATTER. A friendly tone helps relate big financial ideas to students’ everyday lives, based on the latest research and input from practicing professionals and leading instructors. The book continues to emphasize how key principles of personal financial planning--saving, diversifying investments, watching expenditures, and borrowing carefully--remain valid.
  • CRISP, EXCITING, AND FRIENDLY NEW DESIGN ENCOURAGES STUDENTS’ UNDERSTANDING. Based on feedback from current instructors, financial planners, and students, this edition incorporates numerous updates and a fresh design to ensure that the book presents financial information in a clear, concise, and understandable manner. Updated, practical sidebar discussions provide useful tips and guidelines, and numerous learning features reinforce the inviting, meaningful design.
  • TIMELY, UPDATED “FINANCIAL ROAD SIGNS” AND “FINANCIAL PLANNING TIPS” OFFER HELPFUL HINTS AND VALUABLE SUGGESTIONS FOR FINANCIAL DECISIONS. These brief, helpful “Financial Road Signs” and “Financial Planning Tips” suggest what students should consider when implementing parts of a financial plan and making personal financial decisions in today’s times. Students will find invaluable advice on developing budgets, handling student debt, doing online banking, purchasing vehicles, using debit cards, buying health or life insurance, investing, avoiding online job search mistakes, and much more.
  • STUDENTS WILL RELATE TO CHAPTER CONTENT IMMEDIATELY. A How Will This Affect Me? feature appears at the beginning of each chapter. The feature explains in plain language why students should find the chapter’s topic relevant to their life, engaging students from the start. Each chapter also opens with a series of statements presented as Financial Fact or Fantasy in the related chapter material. Each statement is critically evaluated as fact or fantasy in the context of the relevant material.
  • UPDATED END-OF-CHAPTER FEATURES ENSURE COMPREHENSION AND PRACTICAL APPLICATION. Useful Summaries at the end of each chapter relate review back to Learning Goals, and Financial Planning Exercises and Critical Thinking Cases allow students to test and apply their understanding of the material. “Applying Personal Finance” outside-of-class projects or exercises and Worksheets corresponding to end-of-chapter problems help students manage their personal finances. And the Financial Impact of Personal Choices feature presents a personal financial planning decision related to an important topic in each chapter and evaluates the outcome.
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.
MindTap
Each MindTap product offers the full, mobile-ready textbook combined with superior and proven learning tools at one affordable price. Students who purchase digital access can add a print option at any time when a print option is available for their course.

This Cengage solution can be seamlessly integrated into most Learning Management Systems (Blackboard, Brightspace by D2L, Canvas, Moodle, and more) but does require a different ISBN for access codes. Please work with your Cengage Learning Consultant to ensure the proper course set up and ordering information. For additional information, please visit the LMS Integration site.

Standalone Digital Access — Ultimate Value

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Aplia
Aplia is an online learning solution that increases student engagement with automatically graded assignments and detailed explanations.

This Cengage solution can be seamlessly integrated into most Learning Management Systems (Blackboard, Brightspace by D2L, Canvas, Moodle, and more) but does require a different ISBN for access codes. Please work with your Cengage Learning Consultant to ensure the proper course set up and ordering information. For additional information, please visit the LMS Integration site.

Standalone Digital Access — Ultimate Value

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Digital Access + Print — Flexible Value

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CengageNOWv2
CengageNOWv2 combines the way students use textbooks and online resources to learn, study and complete homework, allowing them to achieve ultimate success in this course in a digital world.

This Cengage solution can be seamlessly integrated into most Learning Management Systems (Blackboard, Brightspace by D2L, Canvas, Moodle, and more) but does require a different ISBN for access codes. Please work with your Cengage Learning Consultant to ensure the proper course set up and ordering information. For additional information, please visit the LMS Integration site.

Standalone Digital Access — Ultimate Value

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Textbook Only Options

Traditional eBook and Print Options

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Cengage provides a range of supplements that are updated in coordination with the main title selection. For more information about these supplements, contact your Learning Consultant.

FOR INSTRUCTORS

Web Site with Instructor's Manual, Test Bank and PowerPoint®

ISBN: 9781305636798

Cengage Learning Testing, powered by Cognero® Instant Access

ISBN: 9781305636811
Cengage Learning Testing Powered by Cognero® is a flexible, online system that allows you to: import, edit, and manipulate content from the text’s test bank or elsewhere, including your own favorite test questions; create multiple test versions in an instant; and deliver tests from your LMS, your classroom, or wherever you want.

Instructor's Edition

ISBN: 9781305636620