Insights
Articles on real estate, personal finance, and emerging markets. Each summary is original; follow the link to read the full piece at its source.
Higher borrowing costs have cooled bidding wars across Nassau and Suffolk, but they have not crashed prices. David breaks down why well-priced homes still move quickly, where buyers gain real leverage, and how to time an offer without trying to call the exact bottom of the market.
Read the full articleMerrick sits at the intersection of every force shaping Long Island real estate: limited inventory, strong schools, and commuter access. A close look at one town reveals patterns that apply far beyond its borders.
Read the full articleA persistent lack of listings has done more to hold up prices than interest rates have. This piece explains the structural reasons sellers are staying put, and what it would take to unlock supply.
Read the full articleWhen days on market stretch out, preparation matters more than ever. A clear, step-by-step approach to pricing, staging, and negotiating that protects sellers from the most common mistakes in a softer cycle.
Read the full articleThe purchase price is only the beginning. David walks through how Long Island property taxes compound over a holding period, why the assessment matters as much as the rate, and how to challenge an unfair bill.
Read the full articleVolatility is not the same as risk. A framework for constructing a portfolio that can absorb shocks, stay invested through drawdowns, and still compound meaningfully over a full market cycle.
Read the full articleThe strategies that actually build wealth over decades are almost never exciting. Why disciplined, low-cost, broadly diversified investing keeps beating the clever alternatives, and why that is harder to accept than it sounds.
Read the full articleCorrections are routine; predicting them is not. A grounded guide to separating signal from noise during a pullback, deciding when to act, and recognizing the headlines that are designed to make you trade.
Read the full articleThe old rule of thumb was never meant to be a plan. David outlines a more flexible approach to withdrawing from savings, one that accounts for variable returns, longevity, and the order in which returns arrive.
Read the full articleBefore asset allocation, before tax optimization, before anything else, a cash buffer does the work that nothing else can. How to size it, where to hold it, and why it is the foundation every other decision rests on.
Read the full articleFractional ownership on a blockchain promises liquidity for an illiquid asset class. David separates the genuine structural advances from the marketing, and explains what would have to be true for tokenized property to matter to ordinary investors.
Read the full articleYou do not need to trade cryptocurrencies to be affected by them. A plainspoken overview of the infrastructure changes working their way into settlement, record-keeping, and access, and why they matter even if you never hold a token.
Read the full articleStablecoins are pitched as the bridge between traditional money and digital markets. This piece explains how they are backed, where the risks hide, and what a regulated version could mean for payments.
Read the full articleA small allocation can change the profile of a portfolio, for better and worse. David offers a measured framework for sizing exposure to digital assets, deciding what counts, and revisiting the decision as the category matures.
Read the full articlePast the Hamptons traffic, the North Fork offers a slower, quieter version of coastal Long Island. A practical guide to wineries, farm stands, and waterfronts that reward travelers willing to look past the obvious destinations.
Read the full articleSpending more time in fewer places changes what a trip costs and what it returns. David makes the economic and experiential case for slow travel, and how to plan one without turning it into a logistics project.
Read the full articleThe best decisions in both markets and trips come from understanding a place on its own terms. A short essay on why context beats data, and how to cultivate the kind of local insight that compounds over time.
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