@incollection{, 4A2D6D17F5848915416AAEBDC978D000 , author={{Muhammad NaumanSadiq} and {Government colleges Azad kashmir}}, journal={{Global Journal of Management and Business Research}}, journal={{GJMBR}}2249-45880975-585310.34257/GJMBR, address={Cambridge, United States}, publisher={Global Journals Organisation}1851317 } @incollection{b0, , title={{The courage of misguided convictions}} , author={{ BBarber } and { TOdean }} , journal={{Financial Analysts Journal}} 55 , year={1999} } @incollection{b1, , title={{Maintaining life satisfaction. The role of positive cognitive bias}} , author={{ RACummins } and { HNistico }} , journal={{Journal of Happiness Studies}} 3 , year={2002} } @book{b2, , title={{The penguin guide to personal finance}} , author={{ ADutt }} , year={1999} , publisher={Penguin Books India (P) Ltd} , address={New Delhi} } @book{b3, , title={{The authority bias}} , author={{ CEvatt }} , year={2008. 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