APA Style

Gitman, L, J, J, M, D, B, R. (2012). Personal Finance . New Tech Park, Singapore: Cengage Learning.

MLA Style

Gitman, Lawrence, J.;, Joehnk,, Michael, D.;, Billingsley,, Randall. "Personal Finance". New Tech Park, Singapore: Cengage Learning, 2012. Text.