Hello World, this is a test. ×

Dear Customer, If you wish to purchase more than 5 copies or in bulk, please contact our bulk purchase department at [email protected]



Please enter your login details


Forgot Password?

It happens, just reset it in a minute

Sorry, incorrect details. ×
Welcome back pal! ×



Please enter your User Name, email ID
and a password to register

No CVV Stored

Our website will not store CVV of your card.

Safe & Secure

Our website is secured by 256 bit SSL encryption issued by Verisign Inc, making your shopping at Sapnaonline as secure as possible.

International Shipping

at best shipping prices!

If you need any of your orders' to be delivered outside of India, please reach out to us via our contact us page with the product details and delivery location for us to quote you the best possible shipping price. You can also drop in a mail at [email protected]

Notify Me

We will send an email as soon as we get it in stock.

Write a Testimonial

Few good words, go a long way, thanks!


Personalize Gift card

We will send an email to receiver for gift card.


Track Order

Enter Order ID & Email Address to track your Order.

Check Your Sapna Gift Card Balance

(Card can be redeemed only at Sapna Retail Outlets)

Reminder: Free shipping if your order is above `199
Notification Alert
We offer free shipping for all orders above `199. To avail this offer, add another item of `0 or more from our wide range of quality books available at SapnaOnline.com

Reset Pincode

Submit a Review

Sorry, incorrect details. ×
Human Resource Management
Review Rating

(Click on below image to change)

Human Resource Management

(Click on image to Zoom)

Human Resource Management


Published by Cengage Learning | Language - English | Binding - Paper Back

Average Rating (200 Customers)

` 550 (5% off) ` 523

+ The price is inclusive of GST.
+ Free Shipping (for orders above `199).


In the midst of today's shifting financial environment and fast-paced, changing lives, solid financial planning is more important than ever. Joehnk/Billingsley/Gitman's market-leading PLANNING YOUR PERSONAL FINANCES, 12th, International Edition provides your students with the tools, techniques, and understanding they need to define and achieve their financial goals. The book follows a life-cycle approach - addressing financial plans, assets, credit, insurance, investment, and retirement- as individuals and families progress through a lifetime.The latest updates throughout this edition reflect the most recent financial developments and research -from new tax laws to professional financial advice that considers the impact of the recent global financial crisis. This edition's inviting new design incorporates opening vignettes, cases, and numerous examples from life as well as a proven, integrated learning system to ensure understanding. Step-by-step features teach students to use today's most critical financial tools and technology, including financial planning software. CFP practice questions provide valuable practice. A complete support package, including CengageNOW online course management system, helps you put the best in personal financial planning in your students' hands.


1. THOROUGH UPDATES EXAMINE THE IMPACT OF THE RECENT GLOBAL FINANCIAL CRISIS ON PERSONAL FINANCIAL PLANNING - Students clearly see the effects of today's financial and economic crises on areas contemporary personal financial planning, based on the latest research and input from practicing professionals and leading instructors. However, the book continues to emphasize how key principles of personal financial planning - saving, diversifying investments, watching expenditures, and borrowing carefully - remain valid.

2. NEW AUTHOR RANDY BILLINGSLEY BRINGS AWARD-WINNING EXPERIENCE AND FRESH PERSPECTIVE -Dr. Randy Billingsley - adds a fresh voice of experience in today's financial planning. Dr. Billingsley has earned awards for his undergraduate and graduate instruction. His timely research, first-hand experience in working with top organizations as a financial consultant, and his knowledge of the CFA exam enable him to contribute significantly to this edition's strong coverage of personal finance topics.

3. CRISP, EXCITING, AND FRIENDLY NEW DESIGN ENCOURAGES STUDENTS UNDERSTANDING - Based on feedback from current instructors, financial planners and even students, this edition incorporates numerous updates and a completely fresh design to ensure the book presents financial information in a clear, concise and understandable manner. Updated, practical sidebar discussions throughout this edition provide useful tips and guidelines, while numerous learning features reinforce the inviting, meaningful design.

4. THE MOST CURRENT UPDATES AVAILABLE REFLECT THE LATEST TAX LAWS AND FINANCIAL DATA - The latest updates to this leading text incorporate all of the newest tax laws with special sections on tax preparation as well as recent personal examples, and contemporary financial advice. The latest financial data, figures, and tables keep your course up-to-date as you present text content.

5. THE LATEST COVERAGE ADDRESSES TODAY'S MOST PERTINENT FINANCE TOPICS FOR STUDENTS - This edition examines the latest significant financial developments as well as topics most important for your students. The book presents the Credit Card Act of 2009 for consumers, new information on managing personal finances in tough economic times, sections on purchasing automobiles and housing with new market developments, sources of reliable financial information on the Internet, investments and savings in the midst of recession, the impact of health care reform on insurance, and more.

6. FRESH, NEW "MONEY IN ACTION" FEATURES EXPAND ON CHAPTER TOPICS - Brief "Money in Action" boxes with corresponding Critical Thinking Questions present a variety of interesting information that helps enrich the text discussions. Features highlight actual financial planning ideas, real experiences and businesses practices, and events. For your flexibility, many of the previous edition's "Money in Action" boxes now appear on the text's companion web site.

7. TIMELY, UPDATED "FINANCIAL ROAD SIGNS" OFFER HELPFUL HINTS AND VALUABLE SUGGESTIONS FOR FINANCIAL DECISIONS - These brief, helpful "Financial Road Signs" suggest what students should consider when implementing parts of a financial plan and making personal financial decisions in today's times. Students will find invaluable advice on developing budgets, student debt, online banking, purchasing vehicles, using debit cards, buying health or life insurance, investing, avoiding online job-search mistakes, and much more.

8. INTERNET "SMART SITES" GUIDE READERS TO VALUABLE WEB SITES THAT BROADEN UNDERSTANDING - Six to eight "Smart Sites" in each chapter direct students to carefully selected Internet sites that further explore key financial planning concepts discussed in the book. Students gain important new insights into the topics. Additional discussions give students a better understanding of how today's Internet and personal computers assist in the various phases of personal finance planning.

9. INTEGRATED LEARNING SYSTEM ANCHORS AND GUIDES EFFECTIVE LEARNING - Each chapter opens with six clear Learning Goals that link the chapter's material to specific learning outcomes. Learning Goals match to chapter headlines, summaries, and end-of-chapter problems to direct learning. Corresponding "Concept Checks" at the end of each major section ensure students thoroughly understand the material before moving ahead.

10. UPDATED END-OF-CHAPTER FEATURES ENSURE COMPREHENSION AND PRACTICAL APPLICATION - Useful "Summaries" at the end of each chapter relate review back to Learning Goals, while "Financial Planning Exercises" and "Critical Thinking Cases" allow students to test and apply their understanding of the material. "Applying Personal Finance" outside-of-class projects or exercises and "Worksheets" corresponding to end-of-chapter problems help students manage their own personal finances. Improved "Money Online" links connect students to useful Web sites and provide Web-related interactive exercises.

Table Of Contents:

1. The Process of Planning your Finances
2. Financial Statements
3. Preparing Your Taxes
4. Savings and Cash
5. Shelter and Transportation
6. Credit Use
7. Loans
8. Life Insurance
9. Health Insurance
10. Property Protection
11. Planning.
12. Stocks and Bonds
13. Mutual Funds and Real Estate
14. Retirement
15. Estate Preservation
APPENDIX A: Table of Future Value Factors
APPENDIX B: Table of Future Value Annuity Factors
APPENDIX C: Table of Present Value Factors.


Book: Human Resource Management
ISBN-13: 9788131516386
Product Code 9788131516386
Binding: Paper Back
Publishing Date: 2012
Publisher: Cengage Learning
Number of Pages: 592 
Language: English

Customer Reviews

Loading reviews. Please wait...
Check Delivery Status
Dispatched in 4-7 working days.
Check Delivery Status
Available options for this porduct
Availability In Stock
Hurry up!!! Start Shopping. Before stock lasts.
Guaranteed service
Assured best in class service and support.
International Shipping available
If you need any of your orders' to be delivered outside of India, please reach out to us via our contact us page with the product details and delivery location for us to quote you the best possible shipping price. You can also drop in a mail at [email protected]