Cita APA (7th ed.)

Garman, E. T. (1994). Personal finance (Fourth edition.). Houghton Mifflin Company.

Cita Chicago (17th ed.)

Garman, E. Thomas. Personal Finance. Fourth edition. Boston: Houghton Mifflin Company, 1994.

Cita MLA (9th ed.)

Garman, E. Thomas. Personal Finance. Fourth edition. Houghton Mifflin Company, 1994.