Psychological traits of an individual have substantial impact on their investment decisions had it being stock market investment decision or other investment decisions. The researchers on the subject of behavioral finance have shown that number of such inherent psychological traits do have power to influence the investment decisions of individual investors. From the perusal of review of previous literature, few biases seems to have good influence on the rationality of investors, however, very less number of studies have focused on pessimism and mixture of overconfidence and optimize biases. It is against this backdrop that in present study a modest attempt has been made to analyze how these psychological traits deviates the individual investors from their rational behavior. In order to study the same primary data was collected through a well-structured questionnaire and in order to test the formulated hypotheses T-test and F-test were applied. Further, to evaluate the impact of these biases on individual investors' rationality regression analysis was used. Keywords: Psychological Traits, Rationality, Overconfidence, Optimism, Pessimism.

Purpose – Design/Methodology/Approach – Findings – Practical Implications – Originality/Value – Keywords: Credit cards are a popular medium of payment for consumers today.Alarge number of past studies have been conducted in the area of credit cards in India and abroad that emphasis on various dimensions likes attitude, awareness and acceptance. However, very few studies have been conducted on the demographic and the socio- economic factors affecting the consumer's perception towards the acceptance of credit cards, particularly in the state of Jammu and Kashmir. Therefore, the present study aims to explore a set of factors affecting the acceptance of Credit cards among customers in Jammu region. The study on the empirical findings of a customer survey through the use of a structured questionnaire was administered on a sample of 250 respondents based on convenience sampling technique. This study explored different dimensions such as bank policies, payment policies, flexibility, perceived risk, and so on that affects the acceptance of credit cards usage particularly for the banking sector in Jammu region. This research paper provides an in-depth understanding on the factors affecting the usage of Credit cards which could be used by banking sectors of Jammu region where the credit card usage is widespread phenomenon.The study could also help the banking industry to understand their target customers, their preferences and the effect of their policies on credit card application and use. This study throws light on the credit card usage, particularly in Jammu region in context of banking industry. Therefore, it would work as a roadmap for banking executives, marketing managers and policy makers to craft appealing marketing strategies to better promote the utilization of Credit cards. Credit cards; Acceptance; Usage; Banking; Demographics; Socio-Economic.

Abstract Keywords: Volatility in gold price occurs due to several factors that include Sensex which is a free float market-weighted stock market index of financially sound companies listed on Bombay Stock Exchange (BSE). Gold prices are the result of a complex interplay of a host of factors. Therefore, it is not an easy to make a correct appraisal of its movement, and the task becomes all the more difficult when other macro economics variables depict a lot of volatility. Sensex and dollar price also influence the gold price in India in one or another way. The researcher tried to study the relationship among these three variables in given period of time with help of some significant statistical test i.e. Correlation, Augmented Dickey Fuller (ADF), Unit root tests, Co- integration test&Granger Causality test. Gold, Volatility, USD, Sensex, Variables, Unit root, Granger Causality test.