David Van Singel - Central Florida Real Estate Agent

David Van Singel - Central Florida Real Estate Agent Do you dream of owning a home? I can help put you on the path.

05/29/2026

I know you would rather have a straight one-size-fits-all approach where I say "You should have $X of life insurance". It's not a service to you with that approach. The young father with a stay at home wife and 3 kids has vastly different needs than a retiree with $800k in the bank. Personally, I would recommend you figure out what your liabilities are (mortgage, auto loan, etc.) and have enough to cover them a couple times over. Anything above that would be how you want to leave a legacy for your heirs. Now, this is only a starting point. YOU need to figure out what you're comfortable with. Don't let some random guy on the internet tell you exactly how much insurance you should get.

05/28/2026

If you feel like a stock is still undervalued and it's doing the job you have for it in your portfolio, you could be missing an opportunity. If I gave you a coupon for 20% off on a stock, you would take it in a heartbeat but if you have a little money in it suddenly, you don't want to be in that stock if it's down? Help that make sense. Now, on the other hand, if you feel like this stock is overvalued now and it doesn't have a place in your portfolio anymore, yeah, it may make sense to sell out of that stock. When it comes to buying or selling those positions, you need to come up with the answers yourself because it is your money. I can't and won't make that decision for you.

05/28/2026

Thank you to mortgage news daily for the rate survey! It's my opinion that if we get a lasting deal in the Middle East, we'll see rates come down and this will help inflation. From there, I feel that The Fed will then indicate they're willing to lower rates. I estimate that IF all this other stuff goes as I described, towards the end of the year, I wouldn't be surprised to see the 30 year fixed rate below 6% or even below 5.75%

05/26/2026

Sometimes, if you want to lower your tax bill, it isn't always about how much you earn, it is how you earn it. For the current year, if a couple filing jointly didn't sell any stocks (and thus not trigger any capital gains) and they made $98,000 in qualified dividends, they pay $0 in federal income tax. Now, it will take a long time for someone to get to a portfolio that generates that much in a given year in dividends but it does certainly help that you keep more in your pocket at the end of the day.

05/25/2026

Now, you may ask that if a veteran wants to get a house and not pay a down-payment, wouldn't they pay some sort of mortgage insurance? They actually don't. Given that it's a loan backed by the VA, they insure it so there is no form of mortgage insurance either.

05/23/2026

You might think this is me preaching from an ivory tower. It's quite the opposite. When we moved out of our apartment, we had the landlord say that we broke stuff that we didn't but we didn't have the proof available and so they took our whole security deposit. A smart person learns from their own mistakes, a wise person will learn from other people's mistakes. I hope you choose to be wise.

05/22/2026

I am not advocating that you never care about the future. If you've watched for any period of time, you know that I do advocate for the future however, that doesn't mean you should sacrifice the entirety of the present either. Sure, you might know the mathematically best way to handle your finances but if you don't have a specific goal in mind or don't live in the middle, what is it really for?

05/21/2026

EBITDA is also a great equalizer. Some companies may use an accelerated depreciation schedule or potentially have more creative accounting practices. EBITDA cuts through that to more concrete numbers. If you find a company has fast growing EBITDA, they may be worth a significant look to see if that company fits inside your portfolio.

05/20/2026

Thank you to Mortgage News Daily for the rate survey. I think it's fair to assume that this will end at some point. So, we can postulate what will happen afterwords. Also, anyone that is trying to infer a political stance in that commentary, I'm not trying to get political.

05/19/2026

If I told you that you could save more money by shifting your discretionary spending, I think you would be happy to do that. If I told you to save more for the sake of not spending money, realistically, people ignore that. Now, you can argue that I'm telling you to save money but that doesn't grab the attention as much as the current title. You can choose to believe this or note but if you can con yourself into saving more money, I don't think future you will hate you for it.

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1170 Celebration Boulevard
Celebration, FL
34747

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