Personal Financial Planning
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!
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2008 Thomson Learning amount annual annuity assets auto automobile average balance bank benefits bonds borrow broker budget calculator capital gains cash value Chapter checking account common stock Consumer Loans Copyright 2008 Thomson cost coverage credit card debit card debt deductions deposit disability dividends earnings employee estate planning estate tax example Exhibit federal fees filing finance charges financial goals FINANCIAL ROAD SIGN health insurance homeowner’s insurance company insurance policy interest rates investors Item itemized deductions lease lenders liability load funds long-term ment month monthly payments mutual funds NASDAQ offer options paid percent period personal financial planning portfolio premium protection purchase rate of return real estate retirement planning Rights Reserved risk sell shares Social Security spouse statement there’s tion transactions types What’s whole life insurance Worksheet yield to maturity you’ll you’re