Waymond Rodgers is a C.P.A. and Chair Professor in the School of Business at the University of Hull, UK. He is also the El Paso Community Chair Professor at the University of Texas, El Paso, and at the Naval Postgraduate School in Monterey, California. Previously he was a Professor at the University of California, Riverside and Irvine, USA and has worked as an auditor with Ernst & Young and PriceWaterhouseCoopers, as well as a commercial loan officer with Union Bank. He has consulted with Bank of America, Citibank, Santander Bank, and Union Bank in the areas of commercial lending, corporate social responsibility and intellectual capital. His primary research areas are auditing, commercial lending decisions, decision modeling, ethics, trust issues, intellectual capital, and knowledge management.Timothy G. McFarlin is an Attorney at McFarlin LLP with expertise in a variety of practice areas including real estate law, debt reorganization, bankruptcy, businesslitigation, and consumer law and mortgage litigation.

• Chapter 1. Understanding the Decision-making Process in Personal Investment.- 1.1 Generally Accepted Investment Principles.- 1.2 Financial Goals and Investment Category.- 1.3 Decision Process Models.- Chapter 2. Six decision pathways on personal investment decision.- 2.1 Expedient pathway.- 2.2 The Ruling Guide pathway2.3 The Analytical Pathway.- 2.4 Revisionist Pathway.- 2.5 The Value-Driven Pathway.- 2.6 The Global Perspective Pathway.- Chapter 3. Real Estate Market Investment Decisions and the Economic Downturn.- Chapter 4. How the Recent Economic Downturn Differs From Previous Downturns.- Chapter 5. The Real Estate Market Investment.- Chapter 6. Irrational and Rational Homeowner Considerations.- Chapter 7. Foreclosure and Options for Avoiding Foreclosure.- Chapter 8. Conclusion.

Waymond Rodgers is a C.P.A. and Chair Professor in the School of Business at the University of Hull, UK. He is also the El Paso Community Chair Professor at the University of Texas, El Paso, and at the Naval Postgraduate School in Monterey, California. Previously he was a Professor at the University of California, Riverside and Irvine, USA and has worked as an auditor with Ernst & Young and PriceWaterhouseCoopers, as well as a commercial loan officer with Union Bank. He has consulted with Bank of America, Citibank, Santander Bank, and Union Bank in the areas of commercial lending, corporate social responsibility and intellectual capital. His primary research areas are auditing, commercial lending decisions, decision modeling, ethics, trust issues, intellectual capital, and knowledge management.Timothy G. McFarlin is an Attorney at McFarlin LLP with expertise in a variety of practice areas including real estate law, debt reorganization, bankruptcy, businesslitigation, and consumer law and mortgage litigation.

• Chapter 1. Understanding the Decision-making Process in Personal Investment.- 1.1 Generally Accepted Investment Principles.- 1.2 Financial Goals and Investment Category.- 1.3 Decision Process Models.- Chapter 2. Six decision pathways on personal investment decision.- 2.1 Expedient pathway.- 2.2 The Ruling Guide pathway2.3 The Analytical Pathway.- 2.4 Revisionist Pathway.- 2.5 The Value-Driven Pathway.- 2.6 The Global Perspective Pathway.- Chapter 3. Real Estate Market Investment Decisions and the Economic Downturn.- Chapter 4. How the Recent Economic Downturn Differs From Previous Downturns.- Chapter 5. The Real Estate Market Investment.- Chapter 6. Irrational and Rational Homeowner Considerations.- Chapter 7. Foreclosure and Options for Avoiding Foreclosure.- Chapter 8. Conclusion.

Waymond Rodgers is a C.P.A. and Chair Professor in the School of Business at the University of Hull, UK. He is also the El Paso Community Chair Professor at the University of Texas, El Paso, and at the Naval Postgraduate School in Monterey, California. Previously he was a Professor at the University of California, Riverside and Irvine, USA and has worked as an auditor with Ernst & Young and PriceWaterhouseCoopers, as well as a commercial loan officer with Union Bank. He has consulted with Bank of America, Citibank, Santander Bank, and Union Bank in the areas of commercial lending, corporate social responsibility and intellectual capital. His primary research areas are auditing, commercial lending decisions, decision modeling, ethics, trust issues, intellectual capital, and knowledge management.Timothy G. McFarlin is an Attorney at McFarlin LLP with expertise in a variety of practice areas including real estate law, debt reorganization, bankruptcy, businesslitigation, and consumer law and mortgage litigation.

• Chapter 1. Understanding the Decision-making Process in Personal Investment.- 1.1 Generally Accepted Investment Principles.- 1.2 Financial Goals and Investment Category.- 1.3 Decision Process Models.- Chapter 2. Six decision pathways on personal investment decision.- 2.1 Expedient pathway.- 2.2 The Ruling Guide pathway2.3 The Analytical Pathway.- 2.4 Revisionist Pathway.- 2.5 The Value-Driven Pathway.- 2.6 The Global Perspective Pathway.- Chapter 3. Real Estate Market Investment Decisions and the Economic Downturn.- Chapter 4. How the Recent Economic Downturn Differs From Previous Downturns.- Chapter 5. The Real Estate Market Investment.- Chapter 6. Irrational and Rational Homeowner Considerations.- Chapter 7. Foreclosure and Options for Avoiding Foreclosure.- Chapter 8. Conclusion.