With today's constantly shifting financial environment and rapidly changing lives, introducing your students to the dynamics of the personal financial planning process is more important than ever before. Gitman/Joehnk's leading PERSONAL FINANCIAL PLANNING, 11e helps your students build a solid framework for financial planning with the concepts, tools, and techniques they need to define and achieve their financial goals. The book follows a life-cycle approach, covering financial plans, assets, credit, insurance, investment, and retirement as individuals and families progress through a lifetime. This edition reflects the cutting edge of personal finance planning with the latest on tax laws and professional financial advice with new videos, electronic worksheets, updated problems and cases. Written in a conversational style, this edition's inviting new design focuses on decision making, anchored by an integrated learning system designed to ensure understanding. Examples drawn from actual life emphasize both financial successes and failures. Step-by-step features throughout the book teach how to effectively use the financial calculator and Internet tools that are critical in business today. Personal Financial Planning software helps students solve specific chapter concepts, worksheets, problems, and cases. Numerous resources and learning tools, such as chapter-opening vignettes, mini-cases, and CFP practice questions, on this edition's companion website reinforce your instruction. This edition's thorough support package now includes the innovative CengageNOW online course management and learning system that saves you time in planning and grading while guiding your students with personalized study plans. Put personal finance at its best in your students' hands today with Gitman/Joehnk's Personal Financial Planning, 11e. For valuable information on pricing, previous editions, changes to current editions and alternate formats, please visit www. cengage. com/highered to search by ISBN#, author, title or keyword for materials in your areas of interest. - 104.99