(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, using consumer loans,.and other contents. | th Edition 12 PERSONAL FINANCIAL PLANNING Lawrence J. Gitman, ., CFP® – San Diego State University Michael D. Joehnk, ., CFA – Arizona State University Randall S. Billingsley, ., FRM, CFA – Virginia Tech Personal Financial Planning, Twelfth Edition Lawrence J. Gitman, Michael D. Joehnk, Randall S. Billingsley VP Editorial Director: Jack W. Calhoun Publisher: Joe Sabatino Executive Editor: Mike Reynolds Senior Developmental Editor: Laura Ansara Developmental Editor: Mike Guendelsberger Senior Editorial Assistant: Adele Scholtz © 2011, 2008 South-Western, Cengage Learning 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, information storage and retrieval systems, or in any other manner—except as may be permitted by the license terms herein. For product information and technology assistance, contact us at Cengage Learning Customer & Sales Support, 1-800-354-9706 For permission to use material from this text or product, submit all requests online at Further permissions questions can be emailed to permissionrequest@ Marketing Manager: Nathan Anderson Marketing Coordinator: Suellen Ruttkay Director, Content and Media Production: Barbara Fuller-Jacobsen Content Project Manager: Emily Nesheim Media Editor: Scott Fidler Senior Frontlist Buyer: Kevin Kluck Production Service: Integra Copyeditor: Matt Darnell ExamView® is a registered trademark of eInstruction Corp. Windows is a registered trademark of the Microsoft Corporation used herein under license. Macintosh and Power Macintosh are registered trademarks of Apple Computer, Inc. used herein under license. © 2011 Cengage Learning. All Rights Reserved. Library of Congress Control Number: 2009942102 ISBN-13: 978-1-4390-4447-6 ISBN-10: 1-4390-4447-3 Compositor: Integra Senior Art Director: .
