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ISBN: 9781260091939 is an International Student Edition of Focus on Personal Finance 6th Edition by Jack R. Kapoor, Les R. Dlabay, Robert J. Hughes, Melissa This ISBN 9781260091939 is Textbook only. It will not come with online access code. Online Access code (should only be purchased when required by an instructor ) sold separately at other ISBN The content of of this title on all formats are the same. Focus on Personal Finance is a brief, 14-chapter book, covering the critical topics in Personal Finance courses. This 4-color, paperback text is designed and written to appeal to a range of ages, life situations, and levels of financial literacy. A unique aspect of this text is its active approach. This text will not only get your students thinking about their current situation and financial goals, but also encourage them to put these in writing to use as a guide and revise over the course of their lives. Sections are oriented around specific action-items for students. The more a student involves themselves in the assessments, exercises and worksheets provided, the more they will discover about their current habits and how to improve them for greater financial freedom. Students have many different financial goals, but none are more important than having a basic understanding of financial issues and peace of mind with regard to their decisions. The ultimate goal of Focus on Personal Finance is to get students to this point as a first step to achieving the many financial goals they have set for themselves.