(BQ) Part 1 book "Personal financial planning" has contents: Understanding the financial planning process, developing your financial statements and plans, preparing your taxes, managing your cash and savings, making automobile and housing decisions, using credit,.and other contents. | PERSONAL FINANCIAL PLANNING Lawrence J. Gitman, CFP® • Michael D. Joehnk, CFA • San Diego State University Arizona State University 11e Personal Financial Planning, Eleventh Edition Lawrence J. Gitman and Michael D. Joehnk VP/Editorial Director: Jack W. Calhoun Manager of Technology, Editorial: John Barans Art Director: Bethany Casey VP/Editor-in-Chief: Alex von Rosenberg Sr. Technology Project Editor: Matt McKinney Cover & Internal Designer: Ann Small, A Small Design Studio Sr. Developmental Editor: Susanna C. Smart Manufacturing Coordinator: Sandee Milewski Cover & Internal Illustrations: Peter McDonnell Illustration Marketing Manager: Jason Krall Production House: Lachina Publishing Services Photography Manager: Deanna Ettinger Content Project Manager: Starratt Alexander Printer: Courier Kendallville, Inc. Kendallville, Indiana Photo Researcher: Deanna Ettinger COPYRIGHT © 2008, 2005 Thomson South-Western, a part of The Thomson Corporation. Thomson, the Star logo, and South-Western are trademarks used herein under license. ALL RIGHTS RESERVED. No part of this work covered by the copyright hereon may be reproduced or used in any form or by any means— graphic, electronic, or mechanical, including photocopying, recording, taping, Web distribution or information storage and retrieval systems, or in any other manner—without the written permission of the publisher. Library of Congress Control Number: 2006909335 Printed in the United States of America 1 2 3 4 5 08 07 06 05 ISBN 13: 978-0-324-42286-5 ISBN 10: 0-324-42286-5 For permission to use material from this text or product, submit a request online at . For more information about our p roducts, contact us at: Thomson Learning Academic Resource Center 1-800-423-0563 Thomson Higher Education 5191 Natorp Boulevard Mason, OH 45040 USA For our children: Zachary, Jessica, and Caren LJG For the twins, Grace Hesketh Joehnk and Rhett Weaver Joehnk, because they’re so
