Personal Finance , 14th Edition E. Thomas Garman – TESTBANK

Test Bank For Personal Finance , 14th Edition E. Thomas Garman

1. ISBN-10

   0357901495
2. ISBN-13

   978-0357901496
3. Gain a practical understanding of personal financial management with Garman and Fox’s PERSONAL FINANCE, 14th EDITION, a leading resource in the field. This edition presents a step-by-step approach to help you save and invest wisely, manage financial risk, plan for taxes, reduce credit card debt, and alleviate financial stress throughout your life. Financial planning can be challenging, but this book provides actionable items to guide you. “Notes from our future selves” based on extensive research in personal finance highlight cognitive and implicit biases that can influence financial decisions, helping you avoid common pitfalls. The book includes many math-based examples to illustrate concepts such as trading present consumption for future goals. With the latest updates and learning tools, this edition prepares you for personal financial success.
   

   About the Author

   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.