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<xml><bibliography><APA>Mukda Kowhakul. (2019) Personal Factors Affecting to Financial Planning of Thai People. Rangsit University:ม.ป.ท.</APA><Chicago>Mukda Kowhakul. 2019. Personal Factors Affecting to Financial Planning of Thai People. ม.ป.ท.:Rangsit University;</Chicago><MLA>Mukda Kowhakul.  Personal Factors Affecting to Financial Planning of Thai People.  ม.ป.ท.:Rangsit University, 2019. Print.</MLA></bibliography></xml>
