Personal Finance, 12th Edition
- E. Thomas Garman
- Raymond E. Forgue
- ISBN-10: 1133595839
- ISBN-13: 9781133595830
- 608 Pages | Hardcover
- Previous Editions: 2012, 2008, 2006
- COPYRIGHT: 2015 Published
PERSONAL FINANCE 12E offers a practical, student-friendly introduction to personal financial management. Using a structured, step-by-step approach, this market-leading text helps students learn how to save and invest, manage student loans, file taxes, decrease credit card debt, and plan for the future. Real-life scenarios, covering a wide range of financial challenges, enable students to appreciate the relevance of key concepts, and useful advice from personal finance experts helps them apply those concepts in their own lives. Many math-based examples clearly illustrate the critical importance of achieving long-term financial goals through investing. Building on the success of previous editions, the new Twelfth Edition continues to engage students and focus their attention on critical concepts they need to succeed in class and to manage their finances wisely for a lifetime.
Part I: FINANCIAL PLANNING.
1. Understanding Personal Finance.
2. Career Planning.
3. Financial Statements, Tools, and Budgets.
Part II: MONEY MANAGEMENT.
4. Managing Income Taxes.
5. Managing Checking and Savings Accounts.
6. Building and Maintaining Good Credit.
7. Credit Cards and Consumer Loans.
8. Vehicles and Other Major Purchases.
9. Obtaining Affordable Housing.
Part III: INCOME AND ASSET PROTECTION.
10. Managing Property and Liability Risk.
11. Planning for Health Care Expenses.
12. Life Insurance Planning.
Part IV: INVESTMENTS.
13. Investment Fundamentals.
14. Investing in Stocks and Bonds.
15. Investing Through Mutual Funds.
16. Real Estate and High-Risk Investments.
17. Retirement and Estate Planning.
All supplements have been updated in coordination with the Main title.
Please see Main title page for new to this edition information.
The companion website for Garman/Forgue's Personal Finance 12e has everything you need to enhance instruction in your course. Access the site at www.cengage.com. Here you'll find PowerPoints, the Instructor's Resource Manual, the Solutions Manual, and a number of student-focused tools like Excel calculators, flashcards, a glossary, and tutorial quizzes.Cengage Testing, powered by Cognero® Instant Access (ISBN-10: 1305084721 | ISBN-13: 9781305084728)
Cengage Learning Testing Powered by Cognero is a flexible, online system that allows you to: Author, edit, and manage test bank content from multiple Cengage Learning solutions; create multiple test versions in an instant; deliver tests from your learning management system, your classroom or wherever you want!My Personal Financial Planner with Worksheets (ISBN-10: 1285096630 | ISBN-13: 9781285096636)
My Personal Financial Planner is a printed handbook for students to use in planning and organizing their personal finances. This booklet, which is bundled with the main text, contains worksheets, schedules, and planners for financial planning. Some of the worksheets in the planner allow students to do the same calculations and planning exercises as covered in the book. Others are for use in developing their own financial plans and activities. These worksheets and calculators are not intended as "busywork" for students. Rather, they represent the nuts and bolts of a student's own personal financial plan. My Personal Financial Planner has been thoroughly updated to reflect changes made in the text.MindTap Finance, 1 term (6 months) Instant Access for Garman/Forgue's Personal Finance (ISBN-10: 1305502698 | ISBN-13: 9781305502697)
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. Attention: This MindTap contains Flash-based content. Due to the year-end retirement of Adobe Flash, we will no longer support this unique digital solution after November 30th. Please contact your Cengage Sales Representative to find an alternative Flash free MindTap. https://www.cengage.com/repfinder/LMS Integrated for MindTap Finance, 1 term (6 months) Instant Access (ISBN-10: 1305502701 | ISBN-13: 9781305502703)
Cengage Learning provides Learning Management System (LMS) integration with our MindLinks service. This service is designed to deliver an optimal user experience through the learning management system (LMS) already used by the institution--facilitating learning retention and contributing to better learner outcomes. Our collaboration with LMS industry leaders helps drive advanced features like gradebook integration, while the fluid pedagogical design contributes to more teachable moments.
My Personal Financial Planner is a printed handbook used for planning and organizing your personal finances. This booklet, which is bundled with the main text, contains worksheets, schedules, and planners for financial planning. Some of the worksheets in the planner will allow you to do the same calculations and planning exercises as covered in the book. Others are for your use in developing your own financial plans and activities. These worksheets and calculators are not intended as "busywork;" rather, they represent the nuts and bolts of your own personal financial plan. My Personal Financial Planner has been thoroughly updated to reflect changes made in the text.MindTap Finance, 1 term (6 months) Instant Access for Garman/Forgue's Personal Finance (ISBN-10: 1305502698 | ISBN-13: 9781305502697)
MindTap Finance for Garman/Forgue's Personal Finance, 12th Edition provides you with the tools you need to better manage your limited time -- you can complete assignments whenever and wherever you are ready to learn with course material specially customized for you by your instructor and streamlined in one proven, easy-to-use interface. With an array of tools and apps -- from flashcards to note taking -- you'll get a true understanding of course concepts, helping you to achieve better grades and setting the groundwork for your future courses.LMS Integrated for MindTap Finance, 1 term (6 months) Instant Access (ISBN-10: 1305502701 | ISBN-13: 9781305502703)
This access code will provide you with seamless access to your MindTap Finance 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.