Main Content for Cengage Brain Product Section
Use Email, Facebook, Twitter and more to share this product information with your friends.
Product Details

Personal Financial Planning, 12th Edition

Personal Financial P…,9781439044476
       
  • A new edition of this text is available here

  • AUTHORS: Gitman/Joehnk/Billingsley - ©2011

  • ISBN10: 1-4390-4447-3

  • ISBN13: 978-1-4390-4447-6

In the midst of today's shifting financial environment and fast-paced, changing lives, having a strong personal financial plan is more important than ever for success in life. The market-leading PERSONAL FINANCIAL PLANNING, 12E equips you with the tools and techniques you need to better understand, define, and achieve your financial goals. The book follows a life-cycle approach that prepares you to make financial plans and decisions about assets, credit, insurance, investment, and retirement as you progress through life. The latest updates throughout this edition reflect the most recent financial developments and research -- from new tax laws to the impact of the recent global financial crisis. Written in a conversational style with a new, inviting design, 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 technology for financial planning, including the Internet and financial planning software. The innovative CengageNOW online learning system helps with homework and achieving the grade you want. Put the power of personal financial success in your hands with PERSONAL FINANCIAL PLANNING, 12E.

Additional versions of this product's ISBNs

  • ISBN10: 1439044473

  • ISBN13: 9781439044476

Content here is associated with the currently displayed main product. Tab through the options to make your selection. If the selected product has any additional options, they will be show after you select a product.

Purchase Options

List$285.95

Purchase Options

$228.49

Save $57.46!

FREE eBOOK while your book ships!

FREE SHIPPING on orders over $25!

New book. Ships in 3-5 days.

New book. Ships in 3-5 days.

New book. Ships in 3-5 days.

from$45.49

Save up to $240.46!

  • $45.49

    Save $240.46!

  • $50.99

    Save $234.96!

  • $56.99

    Save $228.96!

  • $65.49

    Save $220.46!

  • $70.99

    Save $214.96!

FREE eBOOK while your book ships!

Select the radio button next to "Rental" to see rental access lengths and savings amounts.

New book. $3.99 shipping. Ships in 3-5 days. FREE return shipping.

Rental Information

  • Shipping for rentals is offered via UPS Ground for a flat rate of $3.99 and UPS or FedEx express shipping for $9.99.
  • Rentals are eligible for the free 14 day eBook offer which allows you to gain immediate access to the eBook while your rental ships.
  • Refunds are available within 30 days of purchase. They must be in a saleable condition.
  • You can cancel a rental within the first 30 days of your start date.
  • You may extend your rental due date for 15, 30, 60, 90 or 130 days after the first 30 days of your rental but before the due date.
  • You can convert your rental to purchase after the first 30 days but before your rental due date.
  • To return your rental, simply print out the prepaid UPS label provided by CengageBrain and drop off your package to the nearest UPS package drop off location. We recommend dropping off your rental at UPS at least 5 business days before your due date.

Select the radio button next to "Rental" to see rental access lengths and savings amounts.

New book. $3.99 shipping. Ships in 3-5 days. FREE return shipping.

Rental Information

  • Shipping for rentals is offered via UPS Ground for a flat rate of $3.99 and UPS or FedEx express shipping for $9.99.
  • Rentals are eligible for the free 14 day eBook offer which allows you to gain immediate access to the eBook while your rental ships.
  • Refunds are available within 30 days of purchase. They must be in a saleable condition.
  • You can cancel a rental within the first 30 days of your start date.
  • You may extend your rental due date for 15, 30, 60, 90 or 130 days after the first 30 days of your rental but before the due date.
  • You can convert your rental to purchase after the first 30 days but before your rental due date.
  • To return your rental, simply print out the prepaid UPS label provided by CengageBrain and drop off your package to the nearest UPS package drop off location. We recommend dropping off your rental at UPS at least 5 business days before your due date.

Select the radio button next to "Rental" to see rental access lengths and savings amounts.

New book. $3.99 shipping. Ships in 3-5 days. FREE return shipping.

Rental Information

  • Shipping for rentals is offered via UPS Ground for a flat rate of $3.99 and UPS or FedEx express shipping for $9.99.
  • Rentals are eligible for the free 14 day eBook offer which allows you to gain immediate access to the eBook while your rental ships.
  • Refunds are available within 30 days of purchase. They must be in a saleable condition.
  • You can cancel a rental within the first 30 days of your start date.
  • You may extend your rental due date for 15, 30, 60, 90 or 130 days after the first 30 days of your rental but before the due date.
  • You can convert your rental to purchase after the first 30 days but before your rental due date.
  • To return your rental, simply print out the prepaid UPS label provided by CengageBrain and drop off your package to the nearest UPS package drop off location. We recommend dropping off your rental at UPS at least 5 business days before your due date.

from$56.99

Save up to $228.96!

  • $56.99

    Save $228.96!

  • $65.49

    Save $220.46!

  • $70.99

    Save $214.96!

  • $79.49

    Save $206.46!

eBook rental

Select the radio button next to "eBook" to see eBook access lengths and savings amounts.

Highlight, take notes, search, print, online/offline & mobile access.


eBook rental

Select the radio button next to "eBook" to see eBook access lengths and savings amounts.

Highlight, take notes, search, print, online/offline & mobile access.


eBook rental

Select the radio button next to "eBook" to see eBook access lengths and savings amounts.

Highlight, take notes, search, print, online/offline & mobile access.


each$10.99

eChapter Options
  • FREE
    Table of Contents (and additional FREE Content)
  • FREE
    eChapter 1: Understanding the Financial Planning Process
eChapter rental

Select the radio button next to "eChapters" to see eChapter purchase options.

Highlight, take notes, search, print, online/offline & mobile access.

The table of contents & first chapter are free with your purchase of other eChapters. They will automatically be added to your "My Home" page after completion of your purchase.

Learn more about eBook and eChapter rentals

eChapter rental

Select the radio button next to "eChapters" to see eChapter purchase options.

Highlight, take notes, search, print, online/offline & mobile access.

The table of contents & first chapter are free with your purchase of other eChapters. They will automatically be added to your "My Home" page after completion of your purchase.

Learn more about eBook and eChapter rentals

eChapter rental

Select the radio button next to "eChapters" to see eChapter purchase options.

Highlight, take notes, search, print, online/offline & mobile access.

The table of contents & first chapter are free with your purchase of other eChapters. They will automatically be added to your "My Home" page after completion of your purchase.

Learn more about eBook and eChapter rentals

Bundle products are listed below
Free materials are listed below

Looking for free content that accompanies your Cengage Learning textbook?

CengageBrain offers two types of free content:

  • Companion web sites
  • Demo chapters and preview content within CourseMate

The amount and type of free content available will depend on whether the book comes with a companion web site or CourseMate. To get started accessing your content, click the “access now” button. You can either access your content immediately or save it to My Home.