This text for personal financial planning adopts a life-cycle approach to
financial planning. The writing style, designed for readers with diverse
educational backgrounds, is informal and relatively non-technical. The emphasis
is on practical application and decision making. Concepts are reinforced with
diverse real-life examples, up-to-date information, expert advice, and a problem
solving format. Easy-to-complete worksheets are integrated into the text. New
"Surf's Up" Internet Exercises have been added. The result is a quality text
that is current and provides a thorough, conceptually sound treatment of the
subject for both students and instructors alike.