Selasa, 26 Oktober 2010

[D311.Ebook] PDF Ebook Adaptive Markets: Financial Evolution at the Speed of Thought, by Andrew W. Lo

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Adaptive Markets: Financial Evolution at the Speed of Thought, by Andrew W. Lo

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Adaptive Markets: Financial Evolution at the Speed of Thought, by Andrew W. Lo

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Adaptive Markets: Financial Evolution at the Speed of Thought, by Andrew W. Lo

A new, evolutionary explanation of markets and investor behavior

Half 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 Galápagos 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.

  • Sales Rank: #1818 in Books
  • Published on: 2017-05-02
  • Original language: English
  • Dimensions: 9.30" h x 1.60" w x 6.10" l, .0 pounds
  • Binding: Hardcover
  • 504 pages

Review
"Mr. Lo makes a convincing argument and he also uses the book to lay out some interesting ideas--such as a huge, diversified fund that would invest in a range of potential cancer treatments."--Economist

"[A] remarkable new book. . . . Lo's book will be read and read widely. . . . His insights should allow investors and regulators alike to manage risks better. They should read it."--John Authers, Financial Times

"This new book will become another essential read for anybody interested in financial markets. . . . [It] is a thoroughly interesting and enjoyable read. It is not technical, the explanations are super-clear, and there is some excellent story telling."--Enlightened Economist

From the Back Cover

"Andrew Lo combines wonderfully broad scholarship and a delightfully instructive style to present dramatically new perspectives on how markets work and how they can be regulated more effectively. This important book will teach and entertain, and should influence those charged with keeping markets healthy."--Simon A. Levin, Princeton University

"Adaptive Markets will appeal to anyone who distrusts dogmatic economic theories and thirsts for a coherent view of how market economies produce both great gain and great pain for societies. Andrew Lo integrates a deep understanding of finance with a broad knowledge of biology, psychology, and ethics to offer a tantalizing vision of how financial engineering could become a powerful force for a more just, healthy, and prosperous world."--Peter Hancock, President and CEO, AIG

"We tell stories, we learn from them, and we make them up. In this magnificent book, Andrew Lo explains how our attraction to stories drives markets, explains past catastrophes, and suggests future opportunities for world-saving financial engineering. And he packages it all in fascinating stories of his own."--Patrick Henry Winston, Massachusetts Institute of Technology

"Andrew Lo is a brilliant financial economist, visionary innovator, bold contrarian, gifted writer, and an unrelenting idealist. These traits are evident in this wonderful book, which traces the 'evolutionary explosion of financial innovation' that began with Vanguard's creation of the first index mutual fund in 1974, tracking the S&P 500 Index. I continue to hold to index funds, but Dr. Lo's book persuades me to keep a mind that is open--or at least ajar--to the new world of investment technology, investor preferences, and transaction efficiency, and to the wisdom of those who are smarter than I am."--John C. Bogle, founder of the Vanguard Group and the First Index Mutual Fund, and author of The Little Book of Common Sense Investing

"This is a wonderful book. Andrew Lo traces a journey in which he reconsiders rationality in economics, moving from the efficient market hypothesis to his own Adaptive Markets Hypothesis through psychology, neuroscience, biology, and studies of financial innovations and crises. The book presents many valuable findings and is also full of emotion--enthusiasm, joy, frustration, and pain. It is itself a manifestation of the important finding that rational thinking and emotion go together."--Nobuhiro Kiyotaki, Princeton University

About the Author
Andrew W. Lo is the Charles E. and Susan T. Harris Professor at the MIT Sloan School of Management and director of the MIT Laboratory for Financial Engineering. He is the author of Hedge Funds and the coauthor of A Non-Random Walk Down Wall Street and The Econometrics of Financial Markets (all Princeton). He is also the founder of AlphaSimplex Group, a quantitative investment management company based in Cambridge, Massachusetts.

Most helpful customer reviews

5 of 6 people found the following review helpful.
Comprehensive and compelling
By JC Reader
Kind of a unifed field theory for economics. A compelling argument for a more comprehensive view of both how economics does work and how it "should" work.

5 of 5 people found the following review helpful.
Amazing plethora of ideas beautifully linked!
By Marcio Paulino Neto
This is the capstone of a very elaborate work by one of the best professors I had. Anyone with a spark of curiosity and appreciation for high doses of pure wit will take delight.

7 of 10 people found the following review helpful.
Great book. Must read!
By Ray
Fantastic book! It provides a new perspective to financial markets, the history and evolution of the debate whether one can beat the market. It will completely change how you look at markets. It's a must for both academics and industry practitioners.

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Minggu, 24 Oktober 2010

[U422.Ebook] Ebook Free CHE GUEVARA ON REVOLUTION: A Documentary Overview, by Ernesto Che Guevara

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CHE GUEVARA ON REVOLUTION: A Documentary Overview, by Ernesto Che Guevara

  • Sales Rank: #7533698 in Books
  • Published on: 1969
  • Binding: Paperback
  • 255 pages

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Sabtu, 23 Oktober 2010

[B534.Ebook] Free PDF The Science of the Rishis: The Spiritual and Material Discoveries of the Ancient Sages of India, by Vanamali

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The Science of the Rishis: The Spiritual and Material Discoveries of the Ancient Sages of India, by Vanamali

A complete introduction to Sanatana Dharma, the spiritual science of the Hindu sages

• Examines how many core concepts of Hinduism, including Brahman, Atman, bhakti, karma, and reincarnation, relate to modern science

• Explores the scientific discoveries of the rishis, ancient Vedic sages, and how they have only recently been rediscovered by Western scientists

• Reveals the concepts of quantum physics hidden within the Vedas, the Bhagavad Gita, the Upanishads, and the Puranas

Called “the scientists of Hinduism,” the rishis of ancient India were the scribes of the Vedas. They developed the spiritual science of Hinduism, Sanatana Dharma, as their way of ensuring the constant renewal and progress of India’s spiritual tradition and culture. Sanatana Dharma permeates every aspect of Hindu culture, from religion to the arts to the sciences. Woven within its Vedic texts lie all of the essential concepts of quantum physics and other modern scientific discoveries.

Providing a complete introduction to the science of Sanatana Dharma, Vanamali reveals how the core concepts of Hinduism, including Brahman, Atman, bhakti, karma, and reincarnation, relate to modern science and how the scientific discoveries of the ancient rishis have been recently rediscovered by the West. She examines the scientific principles within the classic stories and texts of India, including the Vedas, the Bhagavad Gita, the Upanishads, and the Puranas. Within the teachings of the ancient Puranic sages and saints such as Valmiki and Vyasa and legendary physicians and mathematician-philosophers such as Aryabhatta and Varahamihir, the author reveals great scientific truths--not those believed by the ancient world, but truths still upheld by modern science, particularly quantum physics. She explores Desha and Kaala (Space and Time), Shankara and his philosophy of Advaita Vedanta, and the Hindu sciences of mathematics, astronomy, and Vedic astrology.

In illustrating the scientific basis of Hinduism and the discoveries of its sages, Vanamali provides a window into the depths of this most ancient spiritual way of life.

  • Sales Rank: #361001 in Books
  • Published on: 2015-02-05
  • Released on: 2015-02-05
  • Original language: English
  • Number of items: 1
  • Dimensions: 9.00" h x .60" w x 6.00" l, 1.21 pounds
  • Binding: Paperback
  • 256 pages

Review
“Vanamali is an outstanding teacher of Vedanta and an eminent scholar having dedicated her entire life for the cause of Sanatana Dharma. The book is a treasure for posterity.” (Rama Narayanan, private secretary to chairman, Public Accounts Committee Parliament of India)

”It’s not often that you read about Newton’s third law of motion and karma in the same book. But for Hindu contemplative Vanamali the two are intimately related. … she makes a passionate, and sometimes lyrical, case for the connections between ancient Indian wisdom and contemporary scholarship…“ (Publishers Weekly, January 2015)

“The Science of the Rishis is a wonderful resource for anyone interested in furthering their knowledge of this ancient religion. Vanamali beautifully simplifies Hinduism’s complex concepts and treatises into digestible chapters that offer something new for both the expert and the uninitiated.” (Nitya Menon, first secretary, Embassy of the Republic of Singapore, Washington, D.C.)

“Vanamali’s writing is a Pancajanya, inviting all bharatas to bask in the luminous wisdom of their venerable heritage. Mataji’s writing is a divinely inspired, ecstatic pilgrimage to the feet of India’s great rishis. Vanamali passionately illuminates the rishis liberating revelations as the Himalayan summit of human consciousness, with an unparalleled power to transform men and women into gods and goddesses!” (Bruce Burger, founder of Heartwood Institute and author of Esoteric Anatomy: The Body as Consciousne)

“The Science of the Rishis is informative, inspirational, and a compelling read. I would recommend it to any serious student of Hinduism as well as a casual reader who is trying to broaden his knowledge.” (Gopinath Pillai, ambassador at large, Ministry of Foreign Affairs, Singapore)

About the Author
Mataji Devi Vanamali has written 8 books on the gods of the Hindu pantheon, including Shakti, Hanuman, Shiva, The Complete Life of Krishna, and The Complete Life of Rama, as well as translating the Bhagavad Gita. She is the founder and president of Vanamali Gita Yoga Ashram Trust, dedicated to sharing the wisdom of Sanatana Dharma and charitable service to children. She lives at the Vanamali ashram in Rishikesh, northern India.

Excerpt. � Reprinted by permission. All rights reserved.
Twashtaaya Namaha!

Chapter 9
Desha and Kaala
(Space and Time)

In religion, India is the only millionaire--the one land which all men desire to see and having seen once by even a glimpse, would not give that glimpse for all the shows of all the rest of the globe combined.
--Mark Twain

Time is the most mysterious of god’s powers. We really don’t know how or why we calculate time. It has always been one of Nature’s untameables. Even though the mind has created it, the mind cannot understand it.

Time finds no place in Advaita Vedanta though space gets some prominence. Space is a positive entity. It is a product. On the contrary, time is a nonentity. It is not a product. In reality, there is nothing like time. Advaita Vedanta says that it is purely a mental concept. In the absence of any activity or event, there cannot be any mental concept of time. With the occurrence of more than one event, the mind constructs the concept called “time.”

Classical physics had always postulated that Time and Space were eternal realities. Space and time as independently existing realities were absolutes for Newton. He considered atoms to be the elementary building blocks of the universe. They were presumed to be absolutely solid, impenetrable, indestructible, and unchangeable. He believed in the strictly causal nature of physical phenomena. So it was a big shock to the classical physicist to hear Einstein’s theory of matter. Hardly had they recovered from this shock when came the second shock with his theory of relativity. Einstein and many of the scientists who came after him proved that time and space are relative. This is a shocking idea to us, bound as we are to our clocks and time schedules.

The fact that Time and Space are not eternal verities but convenient suppositions of the mind were well known to the rishis. They declared that human life is completely conditioned by the three upadhis (conditionings) known as desha, kaala, and nimitta--space, time, and causation. Everything we see in the world exists in space for a certain period of time and has a cause. This is how the mind works. Without these three upadhis, the mind cannot function.

Einstein said that one cannot talk about space without bringing in time. All measurements involving space and time are devoid of absolute significance. The example of a pair of twins, who are twenty years old, is given. One twin goes in a spacecraft that goes at 9/10 of the speed of light. He returns to Earth when he is forty-six years old but finds that his twin has already turned eighty!

The same phenomenon is described in our Puranas, which shows that they were well aware of the fact that velocity reduces time. In the Bhagavad Purana, the king called Raivathan goes with his daughter, Revathi, to the world of Brahma and stays there only for the duration of a few minutes, but when he returns he finds the whole world has changed and none of the people he knew existed anymore. They were already dead and gone. Moreover, he finds that people have shrunk in size whereas he and his daughter were very tall. He could not find anyone who could match his daughter in size so as to be able to marry her. At last he found that the only man who could match her was Balarama, Lord Krishna’s brother. There are many other instances that show us that the ancients were well aware of the fact that time and space and velocity are irrevocably bound together.

The moment we demarcate ourselves as belonging to a specified place and time, that moment we separate ourselves from our roots, we bring suffering on ourselves. We are the creators of time and space. When we bring energy to conscious awareness, through the act of perception, we create separate objects that exist in space through a measured continuum called time. By creating time and space, we create our own separateness.

Brahman alone is said to be sat, or pure existence. Brahman is beyond time. Hinduism does not declare the world to be asat, or nonexistent. The jagat, or world, is mithya and not asat. It is called mithya because it has a dependent and relative existence. It is not eternal and timeless, but it exists on the substratum of the Brahman. The universe has a beginning and thus it also has an end. Time starts with the beginning of the universe and ends with its dissolution. Space is born with the origin of the universe and expands and contracts, finally dissolving with the dissolution of the universe. Thus, the universe is known as mithya. Brahma Satyam, jagat mithya (Brahman alone is Real and the world unreal) is what our scriptures say.

Without change and movement nothing can exist even for a moment. The stars are revolving, the planets are rotating, the galaxies are moving, and the whole universe is expanding. This is applicable to the subatomic world also, where every particle is constantly in motion. This movement is what gives rise to the illusion of space and time! The Sanskrit word for the world is jagat--that which is ever moving and ever changing. By giving the name jagat to the world, we can realize that the ancients knew this important fact.

Even though they denied any absolute existence to time, the rishis had their own method of calculating time since it is an obvious fact of our human life. Sanskrit has had words starting from micro seconds to millennia. They knew of light-years. The life span of Brahma, the creator, is known as a kalpa, which is the longest period of time that we can think of--millions of light-years. They also had words to describe the minutest period of time, less than the blink of an eye. They knew about atoms, which were called anus, and even particles, which were called paramanus.

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9 of 9 people found the following review helpful.
Vanamali's views on the scientific vision of the Rishis
By VATSALA SPERLING
Vanamali has written an 'authoritative' book explaining many aspects of Sanatana dharma (Hinduism), the religion practiced by over a billion people on earth. With thirteen chapters and a rich glossary for Sanskrit words, Vanamali has attempted to bring to life the very foundation of Hinduism and she has succeeded brilliantly in doing so.

For a casual observer, Hinduism and its beliefs and practices can be quite mysterious and confusing. It has 33 million deities, three main gods (Brahma - the creator, Vishnu - the preserver and Shiva - the destroyer) and innumerable goddesses. All of these heavenly beings make sure that the creation will not follow an easy to understand linear model, but a cyclical model in which the four epochs (yugas) will come one after the other, and this cycle will go on and on. There is no beginning and no end. Even for the Indians who have been born and raised in India, the many details of their faith are hard to fathom. When people of other faiths decide to study Hinduism out of curiosity or inherent interest, they are so bewildered by the apparent complexity that they cannot help declaring that Hinduism is based on “Mythology” after all.
Unfortunately, Hinduism has, for a long time, tolerated the label of being a faith that is based on "myth". Every other faith has a book, Quran, Bible, Guru Granth Sahib and Torah are some of the examples. Where is the book - the one book - that contains everything that Hinduism stands for?
Vanamali presents this idea in her book, The Science of the Rishis, that Hinduism has a whole treasure trove to offer, not just one book. She describes that the very foundation of Hinduism rests on the Vedas. Four in number, the Vedas are not any one person’s composition based on his imagination or fantasy, but these are understood to be ‘‘revelations” that the sages and wise men of the ancient times, the Rishis, received right from the Creator, the primal force of Nature. This happened way before any form or method of writing was invented. The Rishis, aware that what was revealed to them by the Creator was for the benefit of the entire humankind and all of nature, chose to teach the Vedas to their disciples by way of oral transmission. In fact, that is how the Vedas are learned even today. The guru sings it from his memory. The student sings along, absorbing the accent, the emphasis, the tune, the energy of the words, and commits all these to his memory, promising to his guru that he will not alter even a syllable while reciting the Vedas for the rest of his life and while teaching his students how to recite the Vedas exactly as he had learned from his guru. Besides the Vedas, Vanamali mentions that there are ten Upanishads, several puranas and at least two very well-known ittihasas namely, Ramayana and Mahabharata. All these treaties, beginning from the Vedas, contain all the information that is necessary for living a life in harmony with nature.
These rich and deep treasures, the Vedas and the texts mentioned above, are also filled with the discoveries made by the Rishis. These wise men were not only full of empathy and wisdom, but they were also very practical and intellectually smart people and Vanamali calls them, the scientists of Hinduism as they presented to the humankind the very first system for understanding mathematics, astronomy, astrology, space and time, and the very secret of the creation.
In a straightforward manner, Vanamali connects the various concepts of modern mathematics and quantum physics to what has already been described in the Vedas. From Rig Veda, Vanamali brings out a calculation for the speed of sunlight - it travels at the rate of 186,000 miles per second, and this has been proved recently in the ‘modern’ age. Based on Vedic knowledge, Aryabhatta, an astronomer from 476 CE, calculated the value of pi, time taken by the spherical earth to complete one rotation on her axis, length of the solar year, causes of lunar and solar eclipse, and all of these he did a few thousand years before Copernicus.
The Rishsis also came up with very precise methods for attaining prosperity on the material plane, gaining good physical and mental health, and well as gaining spiritual realization. Vanamali mentions that the various treaties put forth by these Rishis contain in them the information on astronomy, atomic science, medical science and surgery, astrology, aviation, architecture, art, mathematics, natural sciences, nutrition, exercise and yoga, psychology, metallurgy, palmistry ……this list is very long.
In my view, the beauty and fire of this book is based on the way Vanamali has handled the connection of these treaties to the modern sciences. Drawing from both eastern and Western scholars, and based on her own very in-depth understanding of the literature and treaties of her faith, Vanamali has shown that Hinduism is based on a very “scientific” model – it is not based on “myth” and the books and treaties that form the foundation of Hinduism are not a poet’s imagination simply, they are based on facts of life and can be corroborated scientifically and that the Rishis of the ancient India were in fact scientists as well as spiritualists.
The rest of the book is devoted to elaborating and making sense of the concepts like karma, bhakti, maya, leela, mantras, and the very goal of Sanatana dharma. I would rather not spoil your fun…. You can discover these treats when you read the book.
I am delighted that Vanamali took it upon herself to speak up for what constitutes the very foundation of Sanatana dharma. She has debunked the un-informed and false claim that it is all based on “myth”. The foundation of Sanatana dharma is actually the history of the ancient India, and this history is based on the science as revealed to the Rishis of ancient India.
I strongly recommend this book to the students of Hinduism and those who wish to understand what keeps India alive, vibrant and relevant today.

1 of 1 people found the following review helpful.
A Unique Book of Hindu Spirituality
By The Peripatetic Reader
There are many books written about Sanatana dharma, the code of righteous living according to Hindu scriptures. What makes this book unique is that it strives to explain three aspects of Hindu spirituality:

First, it is a concise and essential explanation of the basic tenets of sanatana dharma

Second, it relates these tenants to principles of modern science only recently “discovered”

Three, it posits that the ancient rishis were the world’s first “scientists.”

The author, Vanamali, a renunciant with her own ashram in India, succeeds quite well in balancing these three elements to her book.

Vanamali begins her treatment by discussing sanatana dharma as presented in its major works: the Vedas, Brahmanas, Puranas, the Gita, Mahabharata. She explains the sanatana dharma presented in the major paths to liberation, the paths of jnana (knowledge) and bhakti (devotion). The sanatana dharma is also explained through common doctrines in Hinduism.

Always she ties in the sanatana dharma with modern scientific concepts. While there have been many books on the scientific implications of Vedic dharma, and many books just on sanatana dharma, this book is the most perfect, balanced, blending of the two. For example, the doctrine of karma corresponds to Newton’s Third Law of Motion, for any action, there is a opposite and equal reaction. This is how karma works. Reincarnation is seen as corresponding to the conservation of matter and energy. The Hindu concept of consciousness corresponds to both to how the world is perceived through the prisms of Relativity and Quantum Mechanics. Relativity is perception based on relations; quantum mechanics is perception based on probabilities.

Vanamali never forgets mentioning the sanatana dharma. Science and sanatana dharma are in reality two sides of one coin. This is an insightful presentation of Hindu wisdom.

2 of 2 people found the following review helpful.
Five Stars
By Christine Donahue
The best book that I have ever read.

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Minggu, 17 Oktober 2010

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Diccionario con Pronunciación (Spanish Edition), by Audio Visual Language

Diccionario (Dictionary) con Pronunciacion Ingles Espa�ol, posee mas de 4500 palabras con la pronunciacion escrita. Este Diccionario le va a ense�ar las palabras mas usadas en el idioma Ingles, ademas como usted las puede Pronunciar en Ingles correctamente

  • Sales Rank: #954772 in eBooks
  • Published on: 2016-01-19
  • Released on: 2016-01-19
  • Format: Kindle eBook

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Sabtu, 16 Oktober 2010

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  • Sales Rank: #456941 in Books
  • Published on: 2016-01-04
  • Original language: English
  • Number of items: 1
  • Dimensions: 10.80" h x .60" w x 8.40" l, .0 pounds
  • Binding: Paperback
  • 320 pages

About the Author
McGraw-Hill authors represent the leading experts in their fields and are dedicated to improving the lives, careers, and interests of readers worldwide

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Kamis, 07 Oktober 2010

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Unmarked book with light wear, stamp on 2nd page

  • Sales Rank: #5216628 in Books
  • Published on: 1971-04-02
  • Original language: English
  • Number of items: 1
  • Dimensions: .0" h x .0" w x .0" l, .0 pounds
  • Binding: Hardcover
  • 304 pages

About the Author
Eden Greig Muir is a digital photography and video enthusiast, web designer, practicing architect, and Director of Computers at Columbia University's Graduate School of Architecture where he co-founded the Digital Design Lab with Rory O'Neill.

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0 of 0 people found the following review helpful.
A standard reference work
By anonymous
The book ranks among traditional references for Shakespeare studies. Schoenbaum co-edited and consulted for the update on the old version.

Solid as ever.

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Selasa, 05 Oktober 2010

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  • Sales Rank: #3336320 in Books
  • Published on: 2015-08-14
  • Original language: English
  • Number of items: 1
  • Dimensions: 8.50" h x 1.14" w x 5.50" l, 1.26 pounds
  • Binding: Paperback
  • 452 pages

Review
I knew that Howard Parsons was sort of a mermaid expert going into this. Okay, so there's no doctorate one can obtain to officially qualify for such a title, but if there was, this author would have the certificate, the trophy, the PHD, the Monopoly board game mermaid edition, and some sort of Nobel Prize. Urban Mermaid is unlike any other mermaid book I've ever read. His book isn't even a half-cousin to any of them. There are no off-the wall names, there's no royalty, there are no sparkles, there's no slack-jawed human. What there is is warmth. Urban Mermaid crosses more genres than any Mer book I've ever read, and what is so cool about it is that paranormal romance and fantasy don't even get a look-in! It's a satire, a romantic comedy, a coming of age, a blue-collar romance, and in the end just a beautiful story about ordinary people meeting, falling in love, and trying to overcome obstacles together, when one of those people just happens to have a tail sometimes. The characters are not too perfect to be true they're the average Mr. and Miss, and I am so grateful for that. Howard doesn't need tsunamis and royal weddings and octopus-people or seahorses named Glimmer to make you fall in love with his characters. They are realistic, flawed, lovely, and practically peel themselves off the page and wiggle into the sea with their believability. Pulling off a hero in this day and age who isn't loaded or fabulously wealthy, or more kinked than a home perm, is a hard task but Mr. Parsons does exactly this, and with a lovely, graceful writing style that only the most refined writers can cultivate. --S.K. Munt, author of The Fairytail Saga

This story illustrates Howard Parsons' extensive research and all of the years he's spent reading and reviewing other Mer tales. The author has sketched out Colony Island in such a way, that I can see the little shops, the beachfronts, and also the Mer who secretly make up this quaint beach town. The mermaid mythology in Urban Mermaid is completely unique and unexpected. Pen and Peter have a love story all their own. Congratulations, Howard Parsons. You've created a very distinct little world with a seemingly normal and average couple who turn out to be anything but by the story's end. --Emm Cole, award-winning author of the Merminia series and The Short Life of Sparrows

The story was presented in a fresh and bold new way, while still managing to incorporate some traditional mythology. Urban Mermaid was an enjoyable read, and I found myself delving deeper and deeper into the story and feeling emotionally invested rather quickly. Howard Parsons portrays a colorful picture of figures and places you can tangibly feel. It is a love story between Penelope and Peter first and foremost, but that doesn't mean that love comes easy. They face everyday problems that are timeless family, work, stations, stigmas, etc. This is definitely not the childhood bedtime story many of us remember when we think of 'mermaids'! It is much sexier, edgier, and faster paced. Urban Mermaid is smartly written with the added benefit of breaking away from many of the clich�s that are common with this theme of story, while still maintaining the core folklore most mer fans are hoping to see. If you are craving an entirely new mermaid experience, by all means, read this book. --Paige Blue, author of Finding Summerland

About the Author
Howard T. Parsons was born in Petersburg, Virginia during the final days of King George VI’s reign. He grew up and attended school in nearby Hopewell, VA. The eldest son of Lucile and Howard T. Parsons, Sr., he attended North Carolina College in Rocky Mount and graduated in 1974 with a Bachelor of Science in Biology. Although his interests lay in Virology and Marine Biology, the need to earn a living led him to the field of Information Technology. During his stint with the Michie Company in Charlottesville, Virginia, he developed the TOOL programming language, and in 2008, wrapped up a thirty-year career in legal publishing. Howard recently retired from his position as a software engineer with the Dematic Corporation and lives in The Parsonage in Charlottesville with his wife and the latest two moggies in a long line of house cats. His interests include pipe collecting, Scottish highland games, railroads, and heraldry.

Most helpful customer reviews

0 of 0 people found the following review helpful.
A fresh version of mermaids, and a fun spin on boy meets girl!
By Amazon Customer
Howard Parsons' extensive research and all of the years he's spent reading and reviewing other Mer tales shines through in his take on a subject that has been done so many ways. This is such a fresh version of mermaids, and one that I think most readers will not only find pleasantly surprising, but will appreciate for it's nuances.

The author has sketched out Colony Island in such a way, that I can see the little shops, the beach fronts, and also the Mer who secretly make up this quaint beach town. The Mer people of Colony Island feel like old friends and neighbors, and I think the backbone of the community gives this story as much warmth as the love story at the forefront.

The mermaid mythology in Urban Mermaid is completely unique and unexpected. If you came away from this story thinking it was somehow both fantasy and contemporary romance, you'd be right on both counts. These creatures from an ancient and feral race seamlessly blend into a modern landscape, and Pen and Peter's very human problems of joining two different lifestyles against the backdrop of fins just makes it all the more fun.

Pen and Peter have a love story all their own. Congratulations, Howard Parsons. You've created a very distinct little world with a seemingly normal and average couple who turn out to be anything but by the story's end. Mermaid fans and those who want a truly new spin on girl next door meeting the man of her dreams should pick this one up. I have a feeling that the visually detailed and carefully crafted background of Colony Island is well suited for many more stories. I can't wait to read them!

0 of 0 people found the following review helpful.
Charming story
By Daniel Casey
Urban Mermaid mixes the mundane and the fantastic creating a mermaid story that goes beyond mere fairytale but never abandons the charm of the genre. The couple’s meet-cute, their developing romance, and the meet-the-parents interlude leading up to the inevitable provides little in the way of surprise but never disappoints.

Read more of my review here: [...]

1 of 1 people found the following review helpful.
A believable take on mermaids, and an optimistic world view in this contemporary romance
By Pete Tarsi
I received an ARC (Advance Reader Copy) from the author in exchange for an honest review.

Being a YA author, I read a lot of YA fiction, and I'm a big fan of mermaids. Many YA mermaid stories often center on teen girls learning they’re part mermaid princess or on mermaid royalty coming on land to experience or escape. There’s usually a hint of romance involved, but being YA, it’s typically clean teen romance. Urban Mermaid is NOT a YA mermaid fantasy book.

When I read books geared for adults, I tend to gravitate towards fast-paced thrillers like those written by Dan Brown, or to science fiction like Michael Crichton or horror like Stephen King. I rarely read straight-up contemporary adult romance, and that’s the genre where Urban Mermaid fits the most. Though there’s the supernatural element of characters being mermaids, this book wouldn’t really be classified as a fantasy story.

Penelope Tench has just been hired as the assistant comptroller for a publishing house in the city. She lives away from her home—a community of mermaids and mermen called Colony Island—because there doesn’t seem to be a suitable mate for her there. In the mermaid world Parsons has created, finding a mate is crucial to a mermaid’s happiness. Needing to periodically get her fins wet, Penelope is lying in the water underneath a dock and contemplating her future.

Without warning, there are footsteps on the dock above her. Instead of staying there silently waiting until the man leaves, she reveals herself—tail and all—to him and plants a kiss on him that leaves him breathless. The moment is described so well that it wasn’t difficult to get lost within it…and secretly dream that I was at the receiving end of a mermaid’s kiss.

When Penelope starts her new job, she finds that she works in the same office as the man she encountered the day before! At this point, I was eager to see all the tension and complications this would cause. He introduces himself as Peter (hey, that’s my name! I can live vicariously through him!) and assures her that her secret would be safe with him. I immediately questioned why he wouldn’t exploit the situation—after all, he discovered a magical creature and could make a fortune—but then I realized that as a mermaid aficionado, I’d probably do the same. Despite his offer, Penelope is skeptical and tries to keep him at arm’s length, creating this initial conflict of the book.

But this really isn’t a conflict-driven story, and I’ll admit I was a little thrown by that at first. I had expected from the word Urban in the book’s title that the book would be about Peter and Penelope hiding the truth of her identity from the city dwellers. Instead, the story is relationship-driven, and it chronicles a budding romance and courtship, showing the reader that true love comes from accepting all facets of your partner and how strong communication can overcome relationship problems.

Though there’s the fantasy element of Penelope being a mermaid, the inner workings of this story are so real. The characters feel like real people going through real relationship issues. The level of detail given to describe Penelope’s home of Colony Island made me feel like I was driving through an actual seaside town. The culture of these mermaids is fully realized, with their history stretching all the way back to Greek mythology—another subject I enjoy—and author Parsons did his research but made it his own.

In the end, what I admired most about the book was the world view Parsons presents—a world view to which we should all aspire. When Peter and Penelope choose to get married, the mermaid community embraces the human traditions surrounding weddings and other holidays. Meanwhile, Peter literally throws himself into mermaid culture. One of Parsons’ underlying themes is that we should embrace our cultural differences and realize that our anatomical differences are minor—we’re made up of more or less the same DNA. Peter delivers a beautiful speech about it regarding mermaids and humans. I wish our world was more understanding and accepting like this, but until it is, we’ll have to look to the tails from Colony Island.

Even without conflict elements I was anticipating, the optimistic world view made Urban Mermaid rise above the tide to FOUR STARS.

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