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, Seventh Canadian EditionJACK R. KAPOOR
College of DuPage
LES R. DLABAY
Lake Forest College
ROBERT J. HUGHES
Dallas County Community Colleges
LEWIS STEVENSON
Brock University
ERNEST J. KERST
Sheridan College
ARSHAD AHMAD
McMaster University
JORDAN FORTINO
McMaster University
,Personal Finance
Seventh Canadian Edition
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ISBN-13: 978-1-25-965065-9
ISBN-10: 1-25-965065-0
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Printed and bound in Canada.
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, About the Authors
JACK KAPOOR
College of DuPage
Jack Kapoor is a Professor of Business and Economics in the Business and Technology Division. Dr.
Kapoor has taught Business and Economics at College of DuPage since 1969. He received his B.A.
and M.S. from San Francisco State College and his Ed.D. from Northern Illinois University. Professor
Kapoor was awarded the Business and Services Division’s Outstanding Professor Award for l999–2000.
Dr. Kapoor is known internationally as a co-author of several textbooks including Business: A
Practical Approach (Rand McNally), Business (Houghton Mifflin), and Focus on Personal Finance
(Richard D. Irwin/McGraw-Hill).
LES DLABAY
Lake Forest College
Les Dlabay teaches in the Department of Economics and Business at Lake Forest College, Lake
Forest, Illinois. Over the past 25 years he has taught more than 30 different courses in high school,
community college, university, adult education, and teacher preparation programs. Dr. Dlabay has
developed a wide variety of textbook materials, student activity guides, instructor manuals, testing
programs, audio-visual materials, and software packages in the areas of Personal Finance, Consumer
Economics, and International Business.
Dr. Dlabay has served as a consultant to corporations, educational institutions, and government
agencies. He has presented more than 140 workshops and seminars in over 20 states to encourage
teachers to actively involve students in the learning process with video presentations, newsletters,
interviews, and Internet research activities.
ROBERT HUGHES
Dallas County Community Colleges
Robert Hughes teaches Business, Management, and Finance courses at Dallas County Community
Colleges. In addition to Personal Finance, he has written college texts for Introduction to Business,
Small Business Management and Entrepreneurship, and Business Math and currently has five books
in publication. Dr. Hughes received his bachelor’s degree from Southern Nazarene University and his
master’s and doctorate degrees from the University of North Texas.
LEWIS STEVENSON
Brock University
Lewis Stevenson is a part-time lecturer at Brock University. He has taught both Corporate and Per-
sonal Finance at the undergraduate level since 2007. Lewis graduated from Brock in 1991 with a
Bachelor of Business and Economics degree. Lewis has been working in the financial industry since
graduation; he attained the CFP designation (Certified Financial Planner) in 2003, and provides a full
range of financial planning advice and services to his clients.
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