01721cam a2200277Ii 450000500170000000800410001702000180005802000150007603500210009104000440011204100080015610000220016424500580018625000120024426000290025630000350028550000210032052008920034165000250123365000290125865000420128765000280132965000260135765000360138370000240141920151105153747.0051115s2014    at a   frb    001 0 eng d  a9781133595830  a1133595839  a(OCoLC)899221755  aCo-BoUCMbspacSaul NiñodSaul Niño0 aeng1 aGarman, E. Thomas10aPersonal financecE. Thomas Garman, Raymond E. Forgue  a12th ed  aAustraliabCengagec2014  axxiv, páginasbilustraciones  aIncluye índice  aPersonal Finance 12ed 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 Twelfth 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. 7aFinanzas personales  7aÉxito en los negocios  7aInversiones xAspectos psicológicos 7aPresupuesto de capital  7aSeguridad financiera  7aAdministración de créditos 1 aForgue, Raymond E.,