Personal Finance 12th Edition

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.

About the Author

A renowned author, advisor, and academic, Garman is a Fellow and Distinguished Professor Emeritus of Virginia Tech University, where he directed the National Institute for Personal Finance Employee Education. He subsequently founded the Personal Finance Employee Education Foundation. Author of 40 book’s and 200 academic research articles, Garman directed several award-winning research studies that link the financial fortunes of employers with the financial health of their employees. Research consistently shows that decreasing employee financial distress and improving personal financial well-being creates better workers. Garman’s research has been the most cited in the field for over 20 years. He has worked for a U.S. senator in Washington, D.C., in economic development in West Africa, and for a national non-profit credit counseling organization. He is an elected Distinguished Fellow of both the Association for Financial Counseling and Planning Education and the American Council on Consumer Interests. Garman has served on advisory boards for the Board of Governors of the Federal Reserve System, International Board of Standards and Practices for Certified Financial Planners, American National Standards Institute, National Foundation for Credit Counseling, U.S. Food and Drug Administration, and National Advertising Review Board. His consulting includes work for Profit Sharing/401(k) Council of America, Manulife Financial, AT&T, U.S. Navy, U.S. Army, and U.S. Department of Defense. His work has been featured in hundreds of publications, including USA Today, New York Times, The Washington Post, The Los Angeles Times, and U.S. News & World Report, and he has appeared on National Public Radio and NBC Nightly News. Raymond Forgue retired after 28 years as an associate professor in the Department of Family Studies at the University of Kentucky. He served as chair of the department and acting dean of the College of Human Environmental Sciences. Forgue taught various courses in consumer studies, personal finance, and insurance. His professional service has included the presidency of the American Council of Consumer Interests and the Association for Financial Counseling and Planning Education. Since retirement he has continued to write and consult on personal finance education training for the Accredited Financial Counselor certification program, AARP, and other organizations. Forgue serves on the Boards of the Personal Finance Employee Education Foundation and the National Association of Personal Financial Advisors.

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