eBook: Personal Finance, 13th Edition

E. Thomas Garman, Raymond E. Forgue

Copyright 2018
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eBook: Personal Finance 13th Edition by E. Thomas Garman/Raymond E. Forgue

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Overview

PERSONAL FINANCE 13E 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 Thirteenth 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.

Meet the Authors

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E. Thomas Garman

A renowned author, advisor and academic, Dr. E. Thomas 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 books and 200 academic research articles, Dr. Garman directed several funded research studies that link the financial fortunes of employers with the financial health of their employees. His research consistently showed that decreasing employee financial stress and improving personal financial well-being led to positive outcomes for workers and employers. Dr. Garman has worked for a U.S. senator, in economic development in West Africa and for a national non-profit credit counseling organization. He is a Distinguished Fellow of both the Association for Financial Counseling and Planning Education and the American Council on Consumer Interests. Dr. 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 record of 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. Dr. Garman’s 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 E. Forgue

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. Dr. Forgue taught various courses in consumer studies, personal finance and insurance. He has also served as president of the American Council of Consumer Interests and the Association for Financial Counseling and Planning Education. Since retirement, Dr. Forgue has continued to write and consult on personal finance education training for the Accredited Financial Counselor certification program, AARP and other organizations. Dr. Forgue serves on the Boards of the Personal Finance Employee Education Foundation and the National Association of Personal Financial Advisors.