While New Years resolutions have probably dipped, many people are still trying to adopt new health routines, and yoga is a popular choice due to its accessibility and long-term benefits. Jasmine Nicole and Kiyona Miah, founders of the Black Yogis of South Florida, emphasize the immediate physical and emotional relief yoga can offer when practiced with an open mind. 

Yoga, rooted in Indian philosophy, unifies breath and movement to promote both mental and physical well-being. Beginners should focus on simple practices like breathwork and meditation rather than being intimidated by advanced poses. 

Finding the right instructor can enhance the experience, and online resources like YouTube provide accessible options for practice. The Black Yogis encourage mindfulness, advising new practitioners to pace themselves and prioritize presence over performance.

Finsum: The accessibility of Youtube for yoga cannot be understated particularly with those geared towards new or first timers. 

Invesco announced the monthly dividend payments for two of its closed-end funds: Invesco High Income Trust II and Invesco Senior Income Trust. Both funds are maintaining their current monthly dividend rates, with no change from previous distributions. 

The dividend for Invesco High Income Trust II is set at $0.09641 per share, while Invesco Senior Income Trust will pay $0.04301 per share. Under their Managed Distribution Plans, these funds may distribute more than their income, including returning capital to shareholders, which could affect their long-term performance. 

Investors should keep in mind that these returns may not be directly linked to the funds' investment success and may be impacted by market fluctuations and tax regulations. 

Finsum: This might be a great option for investors looking to add income to their portfolio and may compensate for the lack of liquidity. 

Separately managed accounts (SMAs) are quietly transforming asset management, offering a personalized alternative to mutual funds and ETFs. With 30% growth over the past two years, SMAs are projected to reach $3.6 trillion by 2027, driven by tax advantages and lower investment minimums. 

Unlike mutual funds, SMA investors hold individual securities, allowing for tailored portfolios based on specific preferences. Customizations, such as tax optimization and covered call strategies, can enhance returns for certain investors.

While fees may be higher, SMAs offer flexibility and control, especially for high-net-worth individuals. As technology evolves, the accessibility and customization options of SMAs are expanding rapidly.

Finsum: We have seen how the technology has really lowered the fees of these more customizable asset classes and we expect this trend to continue. 

Value investing has fallen out of favor in a market dominated by FAANG stocks, but there are strong indicators suggesting a revival is possible. Currently, value stocks are priced significantly lower than their growth counterparts, trading at only a fraction of the cost. 

Even though they’ve lagged behind, the core business metrics, such as earnings, have remained competitive with growth stocks, implying the downturn isn't tied to company performance. 

Moreover, in times of rising inflation, value stocks historically outperform, and with inflation likely to stay above central bank targets, this could boost their appeal. Growth stocks shine in long bull markets but tend to struggle in bear markets or early recoveries, making value stocks a safer option during uncertain times.

Finsum:  For those looking to diversify, gradually increasing exposure to value-focused investments could offer solid returns as value stocks regain prominence.

When autumn arrives, golf courses across the U.S. are draped in vibrant hues of orange, red, and yellow, making each round a visual delight. From the crisp, cool air of New England to the scenic mountains of the Ozarks, fall is one of the best times to tee off. 

• Sugarloaf Golf Club in Maine, with its challenging mountain terrain and sweeping views of brightly colored maples, offers a truly unforgettable experience.
•  In Massachusetts, Crumpin-Fox Golf Club sits in serene isolation, with its standout par fours and natural beauty enhanced by the Berkshire Mountains' autumnal splendor. 
• Further south in Missouri, Ozarks National at Big Cedar Lodge combines dramatic ridgelines, sinkholes, and thrilling holes with panoramic views that are brought to life in the fall. 

Ideal playing conditions, warm days, and colorful backdrops make these courses a must-visit for golfers seeking both challenge and beauty before winter sets in. 

Finsum: Whether it's the foliage or the perfect fairways, autumn golf is an experience not to be missed.