Dan J. Harkey

Educator & Private Money Lending Consultant

Welcome to DanHarkey.com

Master Private Money Lending & Personal Growth with Expert Guidance

With over 50 years of experience, Dan J. Harkey has helped thousands navigate the complexities of real estate finance, private money lending, and personal development. Whether you’re an investor, entrepreneur, or seeking financial wisdom, Dan provides actionable insights to help you succeed.

Giving back to the real estate community and helping others is a proven method of developing lasting and sustaining relationships and friendships.

Dan brings a wealth of knowledge spanning back to 1972. In addition to a life teaching credential, and has owned and operated a successful real estate sales company, mortgage company, escrow company, general insurance brokerage, and property management company.

Dan J. Harkey is a distinguished real estate consultant and educator who has given 350 seminars and written hundreds of insightful articles, all designed to improve the lives of his student partners.

Start Exploring Dan's Expert Articles on Business Growth, Private Money Strategies, Real Estate, Finance, and Personal Development

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How Can Dan Help You Today?

Private & Hard Money Lending Insights

  • Understand market trends, risk assessment, and profit potential
  • Learn proven strategies to maximize returns
  • Gain exclusive access to expert analysis from an industry veteran

Real Estate & Economic Trends

  • Navigate the evolving landscape of real estate finance
  • Make informed investment decisions with expert guidance
  • Stay ahead with in-depth economic insights

Reinventing Yourself & Personal Growth

  • Overcome challenges and embrace change with confidence
  • Develop resilience and unlock your full potential
  • Discover strategies for long-term personal and professional success

What Others Are Saying

Dan provides the reader with a vast amount of useful information. Based on his life experience in the lending and real estate fields, I consider him a source of sound, consistent information.

— Bob Hawkins

Why Learn from Dan?

  • 50+ Years of Experience in real estate finance & lending
  • 350+ Seminars & Hundreds of Published Articles
  • Successful Entrepreneur – Mortgage, escrow, insurance, & property management
  • Proven Track Record – Helping investors & professionals build wealth

Dan's Latest Articles

Articles written by Dan Harkey contained in the website are for educational purposes only and are not intended to be comprehensive. Some articles contain opinions expressed by Dan Harkey that may be inconsistent with the views of others.

Dan Harkey’s articles are Not to be construed or relied upon as legal or accounting advice. Each subject written about is complex and may require the advice of qualified professionals in the subject areas discussed.

Qualified professionals typically include, attorneys, accountants, appraisers, architects; and environmental, soils, structural, and civil engineers. Consultation with title insurance and escrow officers; with construction, development, and other business experts may also be appropriate.

The Subconscious Mind: The Hidden Engine Driving Personal Motivation

When it comes to motivation, our conscious decisions often take the spotlight: setting goals, making plans, and pushing ourselves forward. However, it’s the subconscious mind that truly drives our daily behavior, wielding an astonishing 95% of our actions. These are the patterns and beliefs that operate beneath our awareness. If we’ve ever found ourselves sabotaging our own goals or struggling to stay consistent, the answer likely lies in our subconscious. Understanding and harnessing this hidden power can put us in the driver’s seat of our own lives.

Ever Wondered What ‘Irrational Exuberance’ Means in the World of Finance and Beyond?

“Irrational exuberance” refers to unjustified or overly optimistic investor behavior that drives asset prices far beyond their fundamental value. In other words, it’s when enthusiasm and speculation in markets become detached from economic reality.

Systemic Barriers to Learning Critical Thinking in U.S. Public Schools: What to Do About Them

When was the last time we heard of one or more classes designed to help children function in society, such as business mathematics? How about classes that contain education on obtaining a job, budgeting, awareness of the business, and profit-motivated industries, as opposed to public financing, and where public funding comes from, taxation, hidden taxation, inflation, and the reduction of the purchasing power of their hard-earned dollars from their wages?

Irrational Exuberance Was First Used to Describe an Overly Optimistic Business Environment

“Irrational exuberance” refers to unjustified or overly optimistic investor behavior that drives asset prices far beyond their fundamental value. In other words, it’s when enthusiasm and speculation in markets become detached from economic reality.

Motivation Isn’t a Mood—It’s a System. Build It Like One.

When we discuss motivation, we often envision conscious decisions, such as setting goals, making plans, and propelling ourselves forward. However, the staggering revelation that up to 95% of our behavior is driven by subconscious processes—patterns and beliefs that operate beneath our awareness-opens a fascinating window into our minds. If we’ve ever wondered why we sabotage our own goals or struggle to stay consistent, the answer likely lives in this powerful, yet often overlooked, part of our mind.

Humor for Emotional Health: What Science Says

Humor is often described as “the best medicine,” but this isn’t just a cliché—scientific research increasingly supports the idea that laughter and humor play a vital role in emotional and physical well-being. From reducing stress hormones to improving cognitive function, humor is a powerful, evidence-based tool for mental health.

The Four Components of American Enterprise--interdependent—competing forces--and Why They Matter

The U.S. economy runs on four interdependent components: workers, consumers, government, and the Federal Reserve. Understanding their roles—and how they interact—helps explain both growth and volatility. This is a shortened version of an article of the same title.

The Four Interlocking and Competing Forces Driving—and Distorting---the American Economy—and Why They Matter

The U.S. economy is driven by four interdependent components: workers, consumers, government, and the Federal Reserve. Understanding their roles—and how they interact—helps explain both growth and volatility.

Debt Monsters-Credit Cards-Locked into A Spiral of Dread

The current state of credit card defaults is not just a concern; it’s alarming. We’re witnessing the highest rates in 14 years, a stark reminder of the 2007-08 meltdown.

Credit Card use can be beneficial. It can also become a curse to deal with. Consumer habits will dictate whether it is advantageous or a curse.

Credit cards can be powerful financial tools, but they come with both advantages and disadvantages.

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