Personal Finance, Student Value Edition

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  • Edition: 8th
  • Format: Loose-leaf
  • Copyright: 2018-01-17
  • Publisher: Pearson

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Supplemental Materials

What is included with this book?


NOTE: This edition features the same content as the traditional text in a convenient, three-hole-punched, loose-leaf version. Student Value Editions also offer a great value; this format costs significantly less than a new textbook. Before purchasing, check with your instructor or review your course syllabus to ensure that you select the correct ISBN. For Student Value Editions that include MyLab™ or Mastering™, several versions may exist for each title -- including customized versions for individual schools -- and registrations are not transferable. In addition, you may need a Course ID, provided by your instructor, to register for and use MyLab or Mastering platforms.

For courses in introductory personal finance.

A blueprint for securing your financial future 

Personal Finance: Turning Money into Wealth empowers students to successfully make and carry out a plan for their financial future. By introducing the 10 fundamental principles of personal finance in a way that leaves a lasting impression, this text offers students lifelong tools that will help them effectively cope with an ever-changing financial environment. The 8th Edition reflects recent changes in the world of personal finance, including new tax laws, the economic downturn, weakness in the labor markets, the explosion of student loans, and the rise of credit card debt.  

Personal Finance: Turning Money into Wealth, 8th Edition is also available via Revel™, an interactive learning environment that enables students to read, practice, and study in one continuous experience. 

Also available with MyLab Finance

By combining trusted authors’ content with digital tools and a flexible platform, MyLab personalizes the learning experience and improves results for each student. 

NOTE: You are purchasing a standalone product; MyLab™ Finance does not come packaged with this content. Students, if interested in purchasing this title with MyLab Finance, ask your instructor to confirm the correct package ISBN and Course ID. Instructors, contact your Pearson representative for more information.

If you would like to purchase both the loose-leaf version of the text and MyLab Finance, search for:

0134830210 / 9780134830216 Personal Finance, Student Value Edition Plus MyLab Finance with Pearson eText -- Access Card Package

Package consists of:

  • 0134730852 / 9780134730851 Personal Finance, Student Value Edition
  • 0134732057 / 9780134732053  MyLab Finance with Pearson eText -- Access Card -- for Personal Finance

Author Biography

Arthur J. Keown is an Alumni Distinguished Professor and the R. B. Pamplin Professor of Finance at Virginia Polytechnic Institute and State University. He received his bachelor’s degree from Ohio Wesleyan University, his MBA from the University of Michigan, and his doctorate from Indiana University. An award-winning teacher, he is a member of the Academy of Teaching Excellence at Virginia Tech, he has received five Certificates of Teaching Excellence, the W. E. Wine Award for Teaching Excellence, and the Alumni Teaching Excellence Award, and in 1999 he received the Outstanding Faculty Award from the State of Virginia. In 2016, he was named to be one of 10 Alumni Distinguished Professors on campus and the first and only Alumni Distinguished Professor in the Pamplin College of Business. 

Professor Keown is widely published in academic journals. His work has appeared in Journal of Finance, Journal of Financial Economics, Journal of Financial and Quantitative Analysis, Journal of Financial Research, Journal of Banking and Finance, Financial Management, Journal of Portfolio Management, and many others. Two of his books are widely used in college finance classes all over the country --  Financial Management and Foundations of Finance: The Logic and Practice of Financial Management .

Professor Keown is a Fellow of Decision Sciences Institute and served as Department Head for 12 years. In addition, he has served as the co-editor of both the Journal of Financial Research and the Financial Management  Association’s Survey and Synthesis Series. He was recently inducted into Ohio Wesleyan’s Athletic Hall of Fame for wrestling. His daughter and son are both married and live in Houston, TX, and on Jeju Island in South Korea, while he and his wife live in Blacksburg, VA, where he collects original art from Mad magazine.

Table of Contents


1. The Financial Planning Process 

2. Measuring Your Financial Health and Making a Plan 

3. Understanding and Appreciating the Time Value of Money 

4. Tax Planning and Strategies 


5. Cash or Liquid Asset Management 

6. Using Credit Cards: The Role of Open Credit 

7. Student and Consumer Loans: The Role of Planned Borrowing 

8. The Home and Automobile Decision 


9. Life and Health Insurance 

10. Property and Liability Insurance 


11. Investment Basics 

12. Investing in Stocks 

13. Investing in Bonds and Other Alternatives 

14. Mutual Funds: An Easy Way to Diversify 


15. Retirement Planning 

16. Estate Planning: Saving Your Heirs Money and Headaches 

17. Financial Life Events—Fitting the Pieces Together 

Appendix A: Compound Sum of $1 

Appendix B: Present Value of $1 

Appendix C: Compound Sum of an Annuity of $1 for n Periods 

Appendix D: Present Value of an Annuity of $1 for n Periods 

Appendix E: Monthly Installment Loan Tables 

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