Personal Financial Planning Author:Lawrence J Gitman, Michael D. Joehnk This text, now in its tenth edition, is clear and concise with shorter chapters that allow for flexible course organization without compromising coverage. Designed as a mid-level approach to personal financial planning, this text is written in a conversational style with many real-life examples. The life-cycle approach, practical applications,... more » and decision-making focus are reinforced with expert advice, helpful tools, and real-life examples.« less