Reflection: Personal Finance Basics
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Citations are used to reference material from another source. When paraphrasing material from
another source (such as a book, journal, website), include the authors last name and the
publication year in parentheses. When directly quoting material word-for-word from another
source, use quotation marks and include the page number after the authors last name and year.
Using citations to give credit to others whose ideas or words you have used is an essential
requirement to avoid issues of plagiarism. Just as you would never steal someone elses car, you
should not steal his or her words either. To avoid potential problems, always be sure to cite your
sources. Cite by referring to the authors last name, the year of publication in parentheses at the
end of the sentence, such as (George & Mallery, 2016), and page numbers if you are using word-
for-word materials. For example, The developments of the World War II years firmly
established the probability sample survey as a tool for describing population characteristics,
beliefs, and attitudes (Heeringa, West, & Berglund, 2017, p. 3).
The reference list should appear at the end of a paper (see the next page). It provides the
information necessary for a reader to locate and retrieve any source you cite in the body of the
paper. Each source you cite in the paper must appear in your reference list; likewise, each entry
in the reference list must be cited in your text. A sample reference page is included below; this
page includes examples (George & Mallery, 2016; Heeringa et al., 2017; Smith et al., 2018;
USA swimming, 2018; Yu, Johnson, Deutsch, & Varga, 2018) of how to format different
reference types (e.g., books, journal articles, and a website). For additional examples, see the
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References
George, D., & Mallery, P. (2016). IBM SPSS statistics 23 step by step: A simple guide and
reference. New York, NY: Routledge.
Heeringa, S. G., West, B. T., & Berglund, P. A. (2017). Applied survey data analysis (2nd
ed.). New York, NY: Chapman & Hall/CRC Press.
Smith, P. D., Martin, B., Chewning, B., Hafez, S., Leege, E., Renken, J., & Smedley Ramos,
R. (2018). Improving health care communication for caregivers: A pilot study. Gerontology
& Geriatrics Education, 39(4), 433-444.
USA swimming. (2018). Retrieved from https://www.usaswimming.org/
Yu, M., Johnson, H., Deutsch, N., & Varga, S. (2018). She calls me by my last name:
Exploring adolescent perceptions of positive teacher-student relationships. Journal of
Adolescent Research, 33(3), 332-362.
