Thryft Singapore

If numbers seem like a foreign language to you, this book promises to bridge that gap. It's the kind of read that empowers non-financial executives to make informed business decisions without getting lost in a sea of accounting jargon. Imagine feeling confident about your company's financial health and strategic planning after mastering the essentials laid out by Robert Rachlin.

This book is a must-read for anyone looking to gain a comprehensive understanding of accounting and its role in decision-making. With its clear and practical approach, it simplifies complex concepts and equips readers with the tools needed to make informed business decisions. Whether you're a student, professional, or entrepreneur, this book is an invaluable resource that will enable you to apply accounting principles effectively and drive success in your endeavors.

Accounting for Non Accounting Students is the perfect addition if you need to grasp the fundamentals of financial and management accounting. This book assumes no previous accounting knowledge, and with its clear writing style, combined with real world examples, it offers what you need to help you advance in your studies. Alongside the book, you can visit the new Accounting for Non-Accounting Students companion website at pearsoned.co.uk/dyson to access a comprehensive range of student-learning resources, including additional questions, web links for further reading and a glossary of key terms.

This book will be a great asset for accounting students and professionals as it provides a comprehensive overview of both financial and managerial accounting. The 109 cases presented throughout the book will help readers understand how the concepts can be applied in real business scenarios. The book has been updated to reflect the latest changes in accounting and covers broader issues of control and corporate strategy.

This book is an excellent read for anyone interested in gaining a deep understanding of the process of acculturation. The authors have synthesized research from various ethnic groups and theoretical background to provide insights into the psychological and social consequences of acculturation. The book covers topics such as individual and family processes, psychosocial adjustment and health. It is a great resource for researchers and practitioners alike.

This book is perfect for a busy project manager looking to prepare for the PMP exam. It provides a concise study guide that covers all the necessary topics and includes practice questions at the end of each chapter. The unique feature of this book is that it is specifically designed for those with limited time, making it easy to fit into a busy schedule. Users will appreciate its clear and straightforward writing style, along with its practical tips for exam day.

If you are a fan of the Red Hot Chili Peppers or just love music, this autobiography by Flea will give you an inside look at his personal and professional journey. The book is filled with raw emotion, humor, and insight into the life of one of the greatest bassists of all time.

Across the black waters is widely regarded as outstanding among the earlier novels of mulk raj it has been translated in 11 european languages, with the british council adapting this war-time novel overlooking the claims of classics like all quiet on the western front , into a play to mark the 80th anniversary of the end of world war i, anand has finally got the recognition that has eluded this novel

Adopted by an Otori Lord, orphan Takeo rises to become a closely held member of the Tribe and finds his love for Maruyama heir Shirakawa Kaede challenged by dissembling clans and fractured allegiances. Reissue.

In his black-walled fortress at Inuyama, the warlord Iida Sadamu surveys his famous nightingale floor. Constructed with exquisite skill, it sings at the treat of each human foot. No assassin can cross it unheard.The youth Takeo has been brought up in a remote mountain village among the Hidden, a reclusive and spiritual people who have taught him only the ways of peace. But unbeknownst to him, his father was a celebrated assassin and a member of the Tribe, an ancient network of families with extraordinary, preternatural skills. When Takeo's village is pillaged, he is rescued and adopted by the mysterious Lord Otori Shigeru. Under the tutelage of Shigeru, he learns that he too possesses the skills of the Tribe. And, with this knowledge, he embarks on a journey that will lead him across the famed nightingale floor - and to his own unimaginable detsiny...

Recommended for women seeking to improve relationships. Provides a humorous and honest insight into men's thought processes and offers practical advice on dating and navigating relationships.

This book is perfect for those who want to redefine their role as a leader by making small changes that can make a big impact. The author guides readers through strategies to diversify their network and become more playful with their self-concept. The book is packed with self-assessments and practical advice to take immediate action towards becoming a better leader.

In his phenomenal #1 New York Times bestseller Act Like a Lady, Think Like a Man, Steve Harvey told women what it takes to succeed in love. Now, he tells everyone how to succeed in life, giving you the keys to fulfill your purpose. Countless books on success tell you what you need to get that you don’t already possess. In Act Like a Success, Think Like a Success , Steve Harvey tells you how to achieve your dreams using the gift you already have. Every one of us was born with a gift endowed by our creator—something you do the best at with very little effort. While it can be like someone else’s, your gift is yours alone. No one can take it away. You are the only one who can use it—or waste it. Steve shows how that gift holds your greatest chance at success, and the fulfillment of your life’s mission and purpose. He helps you learn to define your gift—whether it’s being a problem solver, a people-connector, a whiz with numbers, or having an eye for colors. He makes clear that your job is not your gift; you may use it in your work, but it can also be used in your marriage or relationship, your community, and throughout every aspect of your life. Throughout, he provides a set of principles that will help you direct your gift. “The scriptures say your gift will make room for you and put you in the presence of great men,” Steve reminds us. This book is your roadmap to identifying your gift, acknowledging it, perfecting it, connecting it to a vehicle, and riding it to success. Because Success is the gift you already have.” Funny yet firm, told in Steve’s warm and insightful voice, and peppered with anecdotes from his own life, practical advice, and truthful insights, this essential guide can help you transform your life and achieve everything you were born to.

Act Now! is a great read for anyone looking to turn their innovative idea into a successful business. Kevin Harrington shares his valuable insights and strategies for creating a winning product, marketing it effectively, and choosing the right spokespeople and timing for infomercials. Harrington encourages readers to act quickly and persist through challenges, reminding us that success is achievable with the right mindset and determination.

If you're drawn to the tumultuous times of post-Civil War England and enjoy a story brimming with suspense and historical richness, then "Act of Oblivion" could be a compelling read for you. As you follow the intricate game of cat and mouse between the hunted and the hunter, Robert Harris's meticulous research and narrative skill will immerse you in a world where the moral landscape is as fickle as the political one. This book offers more than just a chase; it provides a window into the consequences of actions during one of history's most charged moments.

The fallout from a horrific Washington explosion has just begun -- and so has CIA superagent Mitch Rapp's hunt for a killer with a personal agenda.In the final weeks of a fierce presidential campaign, a motorcade carrying candidate Josh Alexander is shattered by a car bomb. Soon after the attack, Alexander is carried to victory by a sympathy vote, but his assailants have not been found. When CIA director Irene Kennedy and Special Agent Skip McMahon receive damaging intelligence on Washington's most powerful players, they call on Mitch Rapp -- the one man reckless enough to unravel a global network of contract killers on an explosive mission that leads back to the heart of our nation's capital...and the inner sanctum of the Oval Office.

Paperback. Pub Date :2006-05-02 512 English HarperCollins UK The new thrill a minute blockbuster from bestselling author Dale Brown.International terrorists. funded by a corrupt petroleum company. are attempting to destabilise the Global economy and profit from rocketing oil prices.Responsibility for tracking down the terrorists lies with one man. Jason Richter.But how effective can one man beA ruthless group of petroleum company owners known as the Consortium. are financing an international terrorist organisation. their mission is to stage a series of attacks around the world in an effort to destabilise the global economy and profit from sky rocketing oil prices.It comes down to Jason Richter and his group of seasoned military veterans to track down the terrorists before they strike at the heart of America itself . Introducing an exciting new cha...

Acting That Matters is a must-read for any actor committed to advancing their craft and technique. The book offers a unique approach to acting that prioritizes the text over emotion, allowing for more powerful, precise performances. With expert tips on auditioning, cold reading, and taking direction, this book is an invaluable resource for both working and aspiring actors and acting teachers.

Get ready for a hilarious romp behind the scenes of a fundraising adaptation of Pride and Prejudice. With sharp wit and a lovable protagonist, Jasmin Field, this book will have you laughing out loud and rooting for love to conquer all. With a captivating blend of theater drama and delightful comedic moments, "Acting Up" is perfect for anyone who enjoys a charming, light-hearted romantic comedy.

So I agreed to play the part of Esther Rackham in a film about the heist that gave River Heights its name, and there was all this trouble on the set, and I figured out who was behind it. Case closed, right? Wrong! Once the camera starts rolling, a huge fire breaks out on the set, setting back production again. We're running out of time and funds. At least the fire turns up a key clue about who started it, but I'll have to continue juggling acting and sleuthing. Because it might be up to me to save this film from going up in flames....

Praise for Active Alpha"Active alpha is the quest for every sophisticated investor. This book covers all of the key alpha sources currently mined by active managers, reduces the complexity of the subject, and helps the investor get started in the right direction."-Mark Anson, Chief Executive Officer, Hermes Pensions Management Ltd."Long-held traditional methods for investing large portfolios are giving way to new processes that are designed to improve productivity and diversification. These changes find their locus in the sometimes overly mysterious world of absolute return strategies. In this book, Alan Dorsey demystifies that new world and provides a guiding pathway into the future of professional portfolio management. This is an important read for any investor who plans to succeed going forward."-Britt Harris, Chief Investment Officer, Teacher Retirement System of Texas"With great lucidity, Alan Dorsey's book, Active Alpha, fills an important void by identifying the relevant institutional features of this complex subject and by providing a unifying analytic framework for understanding and constructing portfolios of alternative assets. For anyone investing in the alternative class, from the new student to the experienced practitioner, Active Alpha is a necessary read. I am recommending it to everyone I know with such an interest, and it is destined to become a much thumbed reference on my shelf."-Steve Ross, Franco Modigliani Professor of Financial Economics, Sloan School, MIT

This book is a great read for educators looking for practical and innovative ways to teach literacy across all subject areas and grade levels. With a focus on digital, media, and global literacies, the book equips readers with the tools necessary to help students succeed in today's ever-changing world. The collaborative planning and curriculum mapping strategies outlined in the book are helpful for schoolwide implementation of literacy skill building. Highly recommended for educators looking to innovate their literacy instruction.

Active Poetry - 2 is a great read for those who enjoy contemporary poetry. The collection features works that are expressive, engaging and relatable. Readers are likely to find enjoyment in the unique and personal perspectives offered through the poems.

Active Poetry 1 is a great read for those who want to experience poetry in a unique way. With music accompanying the poems, users will find themselves immersed in a world of rhythm and rhyme. The uniqueness of this book lies in its ability to make poetry accessible, enjoyable and relevant to the modern reader.

Description: Political activisim in Singapore is a crucial aspect of Singapore's nation building. These books remind us why we fight so hard in Singapore - after all, there is no place like home.

In 26 conversations with 26 naysayers, The Naysayer's Book Club is aimed at reflecting the spectrum of naysaying in Singapore's civil society. Each person is interviewed against the backdrop of his or her bookcase, putting front and centre a life of ideas and imagination.

In The Art of Advocacy in Singapore , 37 activists, many of them winners of the Awards, write about their causes and discuss the strategies shaped and lessons learnt as they practise the delicate art of advocacy in Singapore. Reflecting the nature of civil society, there is a diversity of voices. Some give a more personal account, while others describe the institutional experience of advocacy work. Some essays are short and sweet, others long and detailed. They appear ordered alphabetically by the cause.

Consists of: The Naysayer's Book Club (Like New), The Art of Advocacy in Singapore (Well Read)

Recommended for those seeking insight on early Christianity. Offers a compelling portrayal of the challenges and triumphs of the early Christian church.

Acts: Adventures of the Early Church is a great read for anyone who wants to understand the beginnings of the Christian church and how the Holy Spirit played a role in shaping its growth. What sets this book apart is how it delves into the various activities and events of the early church, making it an engaging and informative read for both scholars and casual readers alike. Through this book, readers can gain a deeper understanding of the Holy Spirit's role in Christianity and how it influences modern-day believers.

Acts of Faith is a captivating novel that explores the journeys of two siblings, and the challenges they face as they break free from the expectations of their family and pursue their own passions. Readers will appreciate the fully realized characters and the insights into the complexities of family dynamics. With vivid prose and a deep understanding of human emotion, Erich Segal offers a powerful and moving story that will stay with readers long after the final page.

"Acts of Love" is a warm embrace for anyone who believes in the timeless nature of affection and the serendipitous ways in which we can discover it. It’s a tale that intertwines the vibrancy of the past with the unexpected opportunities of the present. If you've ever found yourself captivated by the hidden life stories of others or the transformative power of art, this novel is likely to resonate deeply with you.

Katrina Marino is about to become America’s most infamous murder victim. This is Katrina’s story, and the story of her killer. It is also the story of Katrina’s neighbours, those who witnessed her murder and did the terrified Vietnam draftee; the woman who thinks she’s killed a child, and her husband who will risk everything for the truth; the former soldier planning suicide and the man who saves him. And others whose lives are touched by the the elderly teacher whose past is catching up with him; the amateur blackmailer who’s about to find out just what sort of people he’s been threatening; the corrupt cop who believes he is God’s ‘red right hand’. Shocking and compassionate, angry and gripping, ACTS OF VIOLENCE is a sprawling, cinematic tour-de-force, a terrifying crime novel unlike any other.

If you're looking to deepen your understanding of Acts, Tom Wright's guide offers an accessible and insightful exploration. It's like having a conversation with a wise friend who knows the historical background and can offer thought-provoking questions to help you reflect. Whether you're studying alone or with a group, this book could bring new dimensions to your Bible study experience.

How to locate over 400 acupuncture points, and how they work. Find out how acupuncture works and how to treat yourself with acupressure.

Acute Medicine is the central part of foundation and specialist general medical training and is one of the most rapidly expanding UK hospital specialties. Acute Medicine: Clinical Cases Uncovered combines patient cases and outcomes, drawn from real-life experiences, with reference to the curriculum for Training in General (Acute) Medicine. It provides self-assessment MCQs, EMQs and SAQs to give medical students, junior doctors, nurses and allied healthcare professionals the perfect preparation for life on the wards.

Author: Chris Roseveare
Format: Paperback
Number of Pages: 254
Publisher: John Wiley and Sons Ltd
Publication Date: 30 Mar 2009

Ad Astra is a witty, informative and beautifully illustrated guide to all things space travel. It provides an in-depth look at the history of space exploration, but is also a comprehensive practical guide to leaving the planet. From learning about the history of rocket science and space travel to understanding the requirements to leave earth, Ad Astra is a must-read for space travel enthusiasts. The book provides fascinating anecdotes, interesting facts and incredible illustrations that would appeal to both intrepid space explorers and armchair dreamers alike.

Published two weeks after his seventieth birthday, Ada, or Ardor is one of Nabokov's greatest masterpieces, the glorious culmination of his career as a novelist. It tells a love story troubled by incest. But more: it is also at once a fairy tale, epic, philosophical treatise on the nature of time, parody of the history of the novel, and erotic catalogue. Ada, or Ardor is no less than the supreme work of an imagination at white heat.

This is the first American edition to include the extensive and ingeniously sardonic appendix by the author, written under the anagrammatic pseudonym Vivian Darkbloom.

Author: Vladimir Nabokov
Format: Paperback
Number of Pages: 624
Publisher: Random House USA Inc
Publication Date: 18 Jan 2011

"Adam and Eve & Pinch ME" is a gripping psychological thriller that explores the darkest corners of obsession and desire. Rendell masterfully weaves together the stories of five women who all fall under the seductive spell of Jeff Leach, only to reveal the sinister and twisted web that he is weaving around them. With unexpected twists and turns, this book is perfect for fans of dark psychological thrillers and those who enjoy exploring the complexities of human relationships. Highly recommended for those who want to delve into the darker side of the human psyche.

"Adam Bede" is a timeless classic that explores the complexities of love, relationships, and social norms. George Eliot's vivid depictions of rural life in 18th century England, coupled with her empathetic and nuanced characters, make this book an engaging read for lovers of classic literature. Readers who enjoy stories with intricate plot twists and deep character development will find "Adam Bede" to be a rewarding experience.

Recommendation: Adam Bede is a classic novel that captures the essence of life in the English countryside with vivid descriptions and relatable characters. It is a timeless story of love, betrayal, and the dire consequences of one's actions. Fans of classic literature and historical fiction will enjoy this thoroughly engrossing read.

This book is a must-read for those who love exploring different cultures through their food. With vivid descriptions and mouth-watering details, "Adam Goes To Italy" is a culinary journey that takes readers through the beautiful country of Italy, exploring its delicious food and local traditions. You'll find yourself completely immersed in the Italian culture, from the bustling streets of Rome to the quiet Tuscan countryside. It's a delightful read that will leave you craving Italian cuisine and itching to plan your own trip to Italy.

In this comic novel of political intrigue, Adam Gorozpe, a respected businessman in Mexico, has a life so perfect that he might as well be his namesake in the Garden of Eden—but there are snakes in this Eden too. For one thing, Adam’s wife Priscila has fallen in love with the brash director of national security—also named Adam—who uses violence against token victims to hide the fact that he’s letting drug runners, murderers, and kidnappers go free. Another unlikely snake is the little Boy-God who’s started preaching in the street wearing a white tunic and stick-on wings, inspiring Adam’s brother-in-law to give up his job writing soap operas to follow this junior deity and implore Adam to do the same. Even Elle, Adam’s mistress, thinks the boy is important to their salvation—especially now that it seems the other Adam has put out a contract on Adam Gorozpe. To save his relationship, his marriage, his life, and the soul of his country, perhaps Adam will indeed have to call upon the wrath of the angels to expel all these snakes from his Mexican Eden.

Adam Lyal is fast becoming one of Edinburgh's most famous characters. No mean feat considering he was executed for highway robbery in the city's Grassmarket on the 27th March 1811.His book comes to us 177 years after his demise and is based on his well-known nightly Old Town 'Witchery' walking tour. Inside you will find many authentic stories from Edinburgh's long and gory past. There are dark accounts of violence and crime, vivid descriptions of hangings and executions, information on plagues and disasters, and finally haunting tales of witchcraft and the supernatural.As on his tour, Mr Lyal uses these stories to bring some of the character and atmosphere of the Old Town back to life. Visitors and locals alike are sure to enjoy the dark and wild side of Edinburgh's history in Adam Lyal's Witchery Tales

"Adam Robots" is a buffet of speculative wonder, ideal for those who enjoy their narratives short, sharp, and constantly surprising. Adam Roberts crafts each tale with intellectual rigor and a twinkle of humor, sketching futures that are as thought-provoking as they are entertaining. Diving into his stories is like exploring an intriguing mosaic of 'what-ifs', perfect if you value variety and innovation in your science fiction reading diet.

"Adam's Story" could be a good read for anyone who likes heartwarming stories about family and self-discovery. This novel follows Adam, a missionary who tries to convert his long-lost grandparents to the Mormon faith. Along the way, he rediscovers his roots and uncovers the story of his mother, who died when he was a baby. This novel is a touching tale of family and faith that will leave readers feeling uplifted and inspired.

Author Q&A with Tim Harford [image] So are you an economic missionary, or is this just something that you love to do? It began as something that I love to do--and I think I am now starting to get a sense of it being a mission. People can use economics and they can use statistics and numbers to get at the truth and there is a real appetite for doing so. This is such a BBC thing to say--there’s almost a public service mission to be fulfilled in educating people about economics. When I wrote The Undercover Economist, it was all about my pure enthusiasm for the subject; the book is full of stuff I wanted to say and that is always the thing with the books: they are always such fun to write. Do you think that people these days are generally more economically literate? People are now aware of economics for various reasons. There are the problems with the economy--there is always more interest in economics when it is all going wrong. Where is the border line in your new book between economics and sociology? I don’t draw a border line, and particularly not with the new book. The Undercover Economist was basically all the cool economics I could think of and The Logic of Life was me investigating a particular part of economics. All of the references in The Logic of Life were academic economics papers that I had related--and hopefully made more fun. This new book, Adapt, is very different. I have started by asking what is wrong with the world, what needs fixing, how does it work--and if economics can tell us something about that (which it can) then I have used it. And if economics is not the tool that you need--if you need to turn to sociology or engineering or biology or psychology--I have, in fact, turned to all of them in this book. If that’s what you need, then that’s where I have gone. So I have written this book in a different way: I started with a problem and tried to figure out how to solve it. What specific subjects do you tackle? To be a bit more specific, the book is about how difficult problems get solved and I look at quick change; the banking crisis; poverty; innovation, as I think there is an innovation slow-down; and the war in Iraq. Also, I look at both problems in business and in everyday life. Those are the big problems that I look at--and my conclusion is that these sorts of problems only ever get solved by trial and error, so when they are being solved, they are being solved through experimentation, which is often a bottom-up process. When they are not being solved it is because we are not willing to experiment, or to use trial and error. Do you think companies will change to be much more experimental, with more decisions placed in the hands of employees? I don’t think that is necessarily a trend, and the reason is that the market itself is highly experimental, so if your company isn’t experimental it may just happen to have a really great, successful idea--and that’s fine; if it doesn’t, it will go bankrupt. But that said, it is very interesting to look at the range of companies who have got very into experimentation--they range from the key-cutting chain Timpson’s to Google; you can’t get more different than those two firms, but actually the language is very similar; the recruitment policies are similar; the way the employees get paid is similar. The “strap line” of the book is that “Success always starts with failure.” You are a successful author… so what was the failure that set you up for success? I was working on a book before The Undercover Economist… it was going to be a sort of Adrian Mole/Bridget Jones’ Diary-styled fictional comedy, in which the hero was this economist and through the hilarious things that happened to him, all these economic principles would be explained--which is a great idea--but the trouble is that I am not actually funny. Another example would be my first job as a management consultant… and I was a terrible management consultant. I crashed out after a few months. Much better that, than to stick with the job for two or three years-- a lot of people say you have got to do that to “show your commitment.” Taking the job was a mistake--why would I need to show my commitment to a mistake? Better to realise you made a mistake, stop and do something else, which I did. That idea that “failure breeds success” is central to most entrepreneurs. Do you think we need more of it in the UK? I think that the real problem is not failure rates in business; the problem is failure rates in politics. We need a much higher failure rate in politics. What actually happens is politicians--and this is true of all political parties--have got some project and they’ll say, “Right, we are going to do this thing,” and it is quite likely that idea is a bad idea--because most ideas fail; the world is complicated and while I don’t have the numbers for this, most ideas are, as it turns out, not good ideas. But they never collect the data, or whatever it is they need to measure, to find out where their idea is failing. So they have this bad idea, roll this bad idea out and the bad idea sticks, costs the country hundreds, millions, or billions of pounds, and then the bad idea is finally reversed by the next party on purely ideological grounds and you never find out whether it really worked or not. So we have this very, very low willingness to collect the data that would be necessary to demonstrate failure, which is the bit we actually need. To give a brief example: Ken Livingstone, as Mayor of London, came along and introduced these long, bendy buses. Boris Johnson came along and said, “If you elect me, I am going to get rid of those big bendy buses and replace them with double-decker buses.” He was elected and he did it, so… which one of them is right? I don’t know. I mean, isn’t that crazy? I know democracy is a wonderful thing and we voted for Ken Livingstone and we voted for Boris Johnson, but it would be nice to actually have the data on passenger injury rates, how quickly people can get on and off these buses, whether disabled people are using these buses… the sort of basic evidence you would want to collect. Based on that, are you a supporter of David Cameron’s “Big Society”, which in a sense favours local experimentation over central government planning? Well, I have some sympathy for the idea of local experimentation, but what worries me is that we have to have some mechanism that is going to tell you what is working and what is not--and there is no proposal for that. Cameron’s Tories seem to have the view that ‘if it is local then it will work.’ In my book, I have all kinds of interesting case studies of situations where localism really would have worked incredibly well, as in, say, the US Army in Iraq. But I have also got examples of where localism did not work well at all--such as a corruption-fighting drive in Indonesia. Is the new book, Adapt, your movement away from economic rationalist to management guru? Are you going to cast your eye over bigger problems? The two changes in Adapt are that I have tried to start with the problem, rather than saying, “I have got a hammer--I’m going to look for a nail.” I started with a nail and said, “Ok, look, I need to get this hammered in.” So I have started with the problem and then looked anywhere for solutions. And the second thing is that I have tried to do is write with more of a narrative. This is not a Malcolm Gladwell book, but I really admire the way that people like Gladwell get quite complex ideas across because they get you interested in the story; that is something that I have tried to do more of here. I am not too worried about it, because I know that I am never going to turn into Malcolm Gladwell--I am always going to be Tim Harford--but it doesn’t hurt to nudge in a certain direction. On Amazon, we recommend new book ideas to people: “If you like Tim Harford you may like…”, but what does Tim Harford also like? I read a lot of books, mostly non-fiction and in two categories: people who I think write a lot better than I do, and people who think about economics more deeply than I do. In the first category I am reading people like Michael Lewis, Kathryn Schulz (I loved her first book, Being Wrong), Malcolm Gladwell and Alain de Botton. In the second category, I read lots of technical economics books, but I enjoy Steven Landsburg, Edward Glaeser (who has a book out now which looks good), Bill Easterly… I don’t necessarily agree with all of these people! When I am not reading non-fiction, I am reading comic books or 1980s fantasy authors like Jack Vance.

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A new, evolutionary explanation of markets and investor behaviorHalf of all Americans have money in the stock market, yet economists can't agree on whether investors and markets are rational and efficient, as modern financial theory assumes, or irrational and inefficient, as behavioral economists believe--and as financial bubbles, crashes, and crises suggest. This is one of the biggest debates in economics and the value or futility of investment management and financial regulation hang on the outcome. In this groundbreaking book, Andrew Lo cuts through this debate with a new framework, the Adaptive Markets Hypothesis, in which rationality and irrationality coexist.Drawing on psychology, evolutionary biology, neuroscience, artificial intelligence, and other fields, Adaptive Markets shows that the theory of market efficiency isn't wrong but merely incomplete. When markets are unstable, investors react instinctively, creating inefficiencies for others to exploit. Lo's new paradigm explains how financial evolution shapes behavior and markets at the speed of thought--a fact revealed by swings between stability and crisis, profit and loss, and innovation and regulation.A fascinating intellectual journey filled with compelling stories, Adaptive Markets starts with the origins of market efficiency and its failures, turns to the foundations of investor behavior, and concludes with practical implications--including how hedge funds have become the Galapagos Islands of finance, what really happened in the 2008 meltdown, and how we might avoid future crises.An ambitious new answer to fundamental questions in economics, Adaptive Markets is essential reading for anyone who wants to know how markets really work.