accommodate the diverse lifestyles of today's learners. PFIN employs a life-cycle approach to personal financial management, addressing financial plans, assets, credit, insurance, investment, and retirement as individuals and families progress through a lifetime. This cutting-edge text also reflects the most recent financial developments and research, from new tax laws and the latest financial data to professional financial advice that considers the impact of the recent global financial crisis. Combining an eye-catching design and reader-friendly content, this innovative text engages student interest with opening vignettes, interesting cases, and numerous real-life examples, as well as a proven, integrated learning system to help students readily master course material. In addition, step-by-step features teach students to use today's most critical financial tools and technology, including Internet resources and financial planning software.

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