Randy Billingsley – författare

Billingsley/Gitman/Joehnk’s market-leading PERSONAL FINANCIAL PLANNING, 16th Edition, provides the tools, techniques and understanding you need to define and achieve your financial goals. Numerous examples and practical illustrations reinforce a common-sense approach. Interesting features and insightful financial planning tips work with current updates to keep content both timely and relevant.New content guides you in using today’s financial tools and technology as you learn how to improve your spending habits, ask a financial adviser the right questions, budget effectively, choose the right bank, determine whether to buy or lease a car, select the best credit card, recognize what's most important in buying a home, invest wisely and plan for retirement. In addition, MindTap online learning system is available to assist in completing homework and mastering key skills.

Knowing what to do with your money is more important than ever. Gitman/Joehnk/Billingsley’s market-leading PERSONAL FINANCIAL PLANNING, 13E, International Edition provides students with the tools, techniques, and understanding they need to define and achieve their financial goals. The book follows a life-cycle approach--addressing financial plans, assets, credit, insurance, investment, and retirement--as individuals and families progress through life.The latest updates reflect the most recent financial developments and research--from new tax laws and the latest financial data to professional financial advice that considers the impact of the recent global financial crisis. The 13th edition is packed with new information relevant to today’s students--for example, changing spending habits for the better, knowing the right questions to ask a financial adviser, using tips on budgeting and planning for retirement, knowing what to look for when choosing a bank, knowing whether to buy or lease a car, knowing what’s important when buying your first home, and choosing the right credit card. All-new features teach you to use today’s critical financial tools and technology, including financial planning software. CFP® practice questions provide valuable practice. The CengageNOW online learning system helps you complete your homework and achieve the grade you want.