Unless an investor has access to “incredibly high-qualified professionals,” they “should be 100 percent passive - that includes almost all individual investors and most institutional investors.

A minuscule 4 percent of funds produce market-beating after-tax results with a scant 0.6 percent (annual) margin of gain. The 96 percent of funds that fail to meet or beat the Vanguard 500 Index Fund lose by a wealth-destroying margin of 4.8 percent per annum.

Active management strategies demand uninstitutional behavior from institutions, creating a paradox that few can unravel. Establishing and maintaining an unconventional investment profile requires acceptance of uncomfortably idiosyncratic portfolios, which frequently appear downright imprudent in the eyes of conventional wisdom.

Most active mutual funds are more interested in collecting fees than in boosting returns for investors.

When you look at the results on an after-fee, after-tax basis over reasonably long periods of time, there's almost no chance that you end up beating the index fund.

Don't let what other people say disturb your mind. Be happy.

Practicing yoga is a constant evolution. The Ashtanga system can appear very rigid, with its predetermined sequences, but actually there's great freedom within its structure. From the repetition, we learn to find depth in the minutiae of the actions and the wonder of breath and prana.