Gaya APA

Gitman, L, J., Joehnk, M, D. (1999). Personal Financial Planning (Ed.9). Singapore: Heinle & Heinlee Thomson Learning.

Gaya MLA

Gitman, Lawrence, J.., Joehnk, Michael, D.. "Personal Financial Planning". Ed.9 Singapore: Heinle & Heinlee Thomson Learning, 1999. Text.