Pfin ,
7th Edition

Randall Billingsley, Lawrence Gitman, Michael Joehnk

ISBN-13: 9780357033616 | ISBN-10: 0357033612

Copyright 2020

| Published 2019

| 448 pages

List Price USD $80.00


PFIN7 relates personal finance to students’ day-to-day lives. It provides decision-making frameworks and up-to-date information on key topics that include buying a home or car, setting up and maintaining a budget, handling student loans, insuring your life, health and property, investing to meet goals like retirement, and doing your taxes. Learn Personal Finance Course YOUR Way with PFIN! PFIN’s easy-reference, paperback textbook presents course content through visually-engaging chapters as well as Chapter Review Cards that consolidate the best review material into a ready-made study tool. It's your course, so study it your way with MindTap. Read or listen on any device, learn and study the topics needing extra attention and get your professor's notes instantly. Set reminders so you're always confident and prepared. -Make your own flashcards to study for quizzes -Read or listen to your book, plus add highlights and notes -Get mobile access to study whenever, wherever

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Meet the Authors

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Randall Billingsley is a finance professor at Virginia Tech and an award-winning teacher at both the undergraduate and graduate level. His research, consulting, and teaching focus on equity valuation, personal investments, and regulatory finance. Dr. Billingsley holds the Chartered Financial Analyst (CFA), Financial Risk Manager (FRM), and Certified Rate of Return Analyst (CRRA) professional designations. He received an MS in economics and a PhD in finance from Texas A&M. In 2006, he published a financial analysis book with the Wharton School. In addition, his research has been published in many professional journals, including the JOURNAL OF PORTFOLIO MANAGEMENT, JOURNAL OF BANKING AND FINANCE, FINANCIAL MANAGEMENT, JOURNAL OF FINANCIAL RESEARCH, and JOURNAL OF FUTURES MARKETS. He is a former vice president at the CFA Institute. At Virginia Tech he advises the Student-Managed Endowment for Educational Development, which manages an equity portfolio of about $5 million.

Lawrence J. Gitman is an emeritus professor of finance at San Diego State University. He received his bachelor’s degree from Purdue University, his M.B.A. from the University of Dayton and his Ph.D. from the University of Cincinnati. Dr. Gitman is a prolific textbook author with numerous best-selling books, and he has written more than 50 articles for various finance journals. An active member of numerous professional organizations, Dr. Gitman is past president of the Academy of Financial Services, the San Diego Chapter of the Financial Executives Institute, the Midwest Finance Association and the FMA National Honor Society. In addition, Dr. Gitman is a Certified Financial Planner® (CFP®). He formerly served as a director on the CFP® Board of Governors in addition to functioning as vice-president–financial education for the Financial Management Association and as director of the San Diego MIT Enterprise Forum. Dr. Gitman has two grown children and lives with his wife in La Jolla, California, where he is an avid bicyclist.

Michael D. Joehnk is an emeritus professor of finance at Arizona State University. In addition to his academic appointments at ASU, Dr. Joehnk spent a year as a visiting professor of finance at the University of Otago in New Zealand. He received his B.A. and Ph.D. degrees from the University of Arizona and his M.B.A. from Arizona State University. A Chartered Financial Analyst (CFA), he served as a member of the Candidate Curriculum Committee and of the Council of Examiners of the Institute of Chartered Financial Analysts. He also served as a director of the Phoenix Society of Financial Analysts and as secretary-treasurer of the Western Finance Association. He was also elected to two terms as vice president of the Financial Management Association. In addition, Dr. Joehnk was the editor of Institutional Asset Allocation, which was sponsored by the Institute of Chartered Financial Analysts and published by Dow Jones-Irwin. He also has contributed to the Handbook for Fixed Income Securities and to Investing and Risk Management, Volume 1 of the Library of Investment Banking. In addition, Dr. Joehnk served a six-year term as executive co-editor of the Journal of Financial Research. He and his wife live in Flagstaff, Arizona, where they enjoy hiking and other activities in the surrounding areas.

  • All figures, data and exhibits have been updated through the second quarter of 2018.
  • NEW MindTap: MindTap® is the digital learning solution that powers students from memorization to mastery. It gives you complete control of your course—to provide engaging content, to challenge every individual, and to build their confidence. Empower students to accelerate their progress with MindTap.
  • Coupled with straightforward course management, assessment, and analytics for instructors, PFIN with MindTap engages students of all generations and learning styles, and integrates seamlessly into your course, setting the stage for thinking critically about Personal Finance Course.
  • Tear-Out Review Cards at the back of the Student Editions provide students a portable study tool containing all of the pertinent information for class and test preparation.
  • Shorter, comprehensive chapters in a modern design present content in a more engaging and accessible format that increases the number of students who read the chapter without minimizing coverage for your course.
  • Every 4LTR Press solution comes complete with an engaging print textbook, tear-out review cards, an interactive digital solution, which offers study tools and the full text narrative, all delivered and influenced by a deep understanding of student’s workflow and learning styles. Available as print with online, print only, or online only, students have their choice of format all at the same affordable price.
  • PFIN7 has numerous features that relate personal finance to students’ day-to-day lives. These include “You Can Do It Now” on personal financial actions students can take now, “Financial Impact of Personal Choices” that illustrates the financial effects of key personal decisions, “Financial Planning Tips”, “Behavior Matters” on the behavioral aspects of personal finance, and “Planning Over a Lifetime” on financial planning over the life cycle. It present students with essential decision-making frameworks and up-to-date information on key topics that include buying a home or car, setting up and maintaining a budget, handling student loans, insuring your life, health and property, investing to meet goals like retirement, and doing your taxes.
  • Instructors should adopt PFIN7 instead of competing products because of its effective emphasis on decision-making frameworks and numerous features that make it more relevant to students’ day-to-day lives.

Table of Contents

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1. Understanding the Financial Process.
2. Using Financial Statements and Budgets.
3. Preparing Your Taxes.
4. Managing Your Cash and Savings.
5. Making Automobile and Housing Decisions.
6. Using Credit.
7. Using Consumer Loans.
8. Insuring Your Life.
9. Insuring Your Health.
10. Protecting Your Property.
11. Investment Planning.
12. Investing in Stocks and Bonds.
13. Investing in Mutual Funds, ETFs, and Real Estate.
14. Planning for Retirement.
15. Preserving Your Estate.

Cengage provides a range of supplements that are updated in coordination with the main title selection. For more information about these supplements, contact your Learning Consultant.

Cengage Testing, powered by Cognero® for Billingsley/Gitman/Joenck's PFIN,Instant Access

Cengage Testing, powered by Cognero® is a flexible, online system that allows you to import, edit, and manipulate content from the text’s test bank or elsewhere, including your own favorite test questions; create multiple test versions in an instant; and deliver tests from your LMS, your classroom, or wherever you want.

Instructor's Companion Website for Billingsley/Gitman/Joenck's PFIN

Everything you need for your course in one place! This collection of product-specific lecture and class tools is available online via the instructor resource center at www.cengage.com/login. You'll be able to access and download materials such as PowerPoint presentations, images, instructor’s manual, videos, and more.

Cengage Testing, powered by Cognero® for Billingsley/Gitman/Joenck's PFIN


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  • ISBN-10: 0357033612
  • ISBN-13: 9780357033616

Price USD$ 80.00


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